Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Personal information incorrect

I XXXX XXXX has Incorrect personal XXXX is showing on my credit report. 

This letter is a formal complaint that you report inaccurate and incomplete credit information. 
I am XXXX that you have included the information below in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore, needs to be removed immediately. 

Remove Names XXXX XXXX, XXXX XXXX XXXX XXXX Remove Names And addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX It has been over 30 days and has caused me great hardship, 1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting Congress makes the following findings : ( 1 ) The banking system depends on fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence, which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to ensure that consumer reporting agencies
Complaint sub-issue: Didn't receive enough information to verify debt

While checking my credit reports, I noticed a collection account from XXXX XXXX, I have written to this company several times asking them to validate said debt and have not received any correspondence back from them. This negative account is affecting my credit.
Complaint sub-issue: Account status incorrect

Section 4201 of the Cares Act amends Section 623 ( a ) ( 1 ), of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ). Now, a furnisher of data to the consumer reporting agencies that allow its customers to defer payments, make partial payments, modify credit terms, or make other arrangements for its customers affected by Covid-19 should not report the account delinquent, but should continue reporting as current, unless the account was delinquent before Covid-19 related deferral or modification, and has not been subsequently brought current. These new reporting requirements are retro to XXXX XXXX, 2020.

Due to Covid-19 forbearance program regulations, its states that no late payment are to be reported to the financial credit bureau during this time covers forbearance period. I have late payments on my report, I want removed because I am a victim of Covid-19 and legally should not have them there.

I have late payments on my report, I want removed because I am a victim of Covid-19 and legally you should not have them there.

Please remove late payments/change to paid as agreed.
Complaint sub-issue: Debt is not yours

I have contact the company every month since XX/XX/2018. I've asked them to supply me with documentation bearing my signature of a contract that we have for goods or services, and they have failed to do so. 

The company is claiming that I owe them {$1900.00}, which is untrue.
Complaint sub-issue: Reporting company used your report improperly

Equifax is reporting the same account to my credit twice for the same exact amount of {$3200.00}. The lender is XXXX XXXX XXXX XXXX. Even though it's showing two different account numbers, there's no way I can owe the same lender the exact same amount on an account. There's another account being reported by this same lender in the amount of {$4800.00} with an account number of XXXX. This same account is being reported also in the amount of {$3200.00} with the same account number. There is a total of three accounts being reported by Equifax and this company. 


Also, there is an account being reported by Equifax with 35 chargeoffs with an account number of XXXX. 

Equifax is also reporting an account from XXXX XXXX XXXX with Account number XXXX in the amount of {$0.00}.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax have violated my consumer rights. According to 15 USC 1681i ( 5 ) ( B ) ( ii ) ( iii ) and 15 USC 1682g Equifax have reinserted negative items onto my credit report illegally. I demand that the negative accounts from XXXX XXXX that was previously removed be deleted and blocked. It is illegal to keep the negative accounts on my file without any written consent of reinsertion. I know my laws and I will make sure they are enforced. Attached is my XXXX report showing the accounts were not there but and XXXX report when they were first reinserted. 
XXXX XXXX. {$60000.00} XXXX XXXX. {$5000.00} XXXX XXXX. {$100.00}
Complaint sub-issue: Their investigation did not fix an error on your report

Removal inaccurate information from my personal information. I have tried three times ( too remove inaccurate employee information and its stated on the the credit file removal occupational ( this is such unethical on their part when I took the time to write and email to remove the inaccurate employment information. To just delete the information thats inaccurate
Complaint sub-issue: Debt is not yours

I just had this wrongful debt of {$410.00} removed from my credit report from another agency. It was complaint # XXXX from XXXX XXXX XXXX XXXX XXXX. - they responded with their wrongdoing and apologized and had this debt removed. However. I C SOLUTIONS seems to have been sold the debt and it is now back on my credit report and I am receiving calls again. This has already been resolved and I would like this removed as it is negatively effecting my credit and once again receiving multiple calls and it is interrupting my entire life daily!!
Complaint sub-issue: Didn't receive enough information to verify debt

On XX/XX/2022, My last attempt to resolve this issue I requested Equifax, please send me copies of the documents that each credit bureau have in my files as of this date that their company used to verify the accuracy of the accounts listed below along with a complete compliant detailed breakdown of the three segments of the Metro 2 requirements including The Header Record, containing 18 fields, which ensures that the information was identified correctly by your bureau, The Base Segment, containing 49 fields, which provides the specific account information for me, The Trailer Record, Containing 47 fields, which summarized the data submitted to your bureau specific to my particular file. As of XXXX XXXX I have not received verification of alleged debt and alleged debt is still negatively reflected on my credit profile.
Complaint sub-issue: Their investigation did not fix an error on your report

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Late and I never missed a payment. Please provide me with enough proof as evidence that I have been late on this account. If you don't have enough evidence, kindly update the late remarks immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. My request for the correction and removable of the incorrect information about my inquiries has been diligently neglected by EQUIFAX. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be removed completely from my credit report : XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ;
Complaint sub-issue: Their investigation did not fix an error on your report

I have a inaccurate 30 day late payment marked with grain technology for the month of XX/XX/2021. I made the payment for XX/XX/2021 and XX/XX/2021 on time and I am including both bank statements to show proof of payments
Complaint sub-issue: Trouble getting a working replacement card

They submitted my new card on the XXXX and it has been 11 days I have not received it my bills are due I need to pay them I have a title loan out and they have not sent me my new card what am I supposed to do I need my card
Complaint sub-issue: Debt is not yours

I looked at my credit report and found a collection for $XXXX from TEK Collect, this account does not belong to me.
Complaint sub-issue: Their investigation did not fix an error on your report

The Bureaus have taken longer than 45 days to properly investigate my complaint and remove erroneous information from report. This is Violation of the FCRA.
Complaint sub-issue: Information belongs to someone else

{$780.00} on XXXX wrote several letters and tried calling for removal
Complaint sub-issue: Was not notified of investigation status or results

According to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), states that the term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility except the term consumer report does not include a report containing information solely as to transactions or experiences between the consumer and the person making the report. 
I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.
Complaint sub-issue: Banking errors

I opened a checking and savings account with Citi bank with promotional offer that if I deposit XXXX on to savings and if I have direct deposit for 3 months on to my checking account I get bonus of XXXX $ within 90 days of opening and maintaining balance..I called customer care after 90 days and their representative told me it will be 120 days..I waited till 120 days then called again..this time the person told I have to wait for 150 days to get the money ..after 6 months nothing happened and i closed the account..citibank are the real cheaters
Complaint sub-issue: Debt is not yours

Reporting inaccurate information to all credit reporting companies. Never made contact by mail nor a phone call which is in Violation of the FCRA, Violation of the FDCPA ; and Defamation of Character. Original account holder XXXX XXXX, amount {$1000.00} open date XX/XX/2019.
Complaint sub-issue: Company closed your account

XXXX, an online bank for business checking, closed in XXXX. They have routed all questions to a single phone number ( no email, etc ) with BBVA. I need my historical statements so that my accountant can reconcile my old accounts. I have called BBVA multiple times and been told the paper statements would be expedited to my address. They have not. This is seriously holding me up as a business owner. BBVA has made no attempt to do anything other than the standard " mail paper statements '' process. I am being denied access to information about MY account.
Complaint sub-issue: Debt is not yours

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I've disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

Accounts : 1. XXXX XXXX XXXX XX/XX/2016 {XXXX} 2. XXXX XXXX XX/XX/2016 {XXXX}
Complaint sub-issue: Their investigation did not fix an error on your report

there is XXXX  XXXX opened on my name which is fraudulent and it is not mine. i tried to dispute the item several time but they keep verify the account. i informed the XXXX but nothing has been changed. during 2018 I had XXXX XXXX on my XXXX which i had to go back home for XXXX. the XXXX XXXX XXXX  and XXXX bank promised to keep my account current during my treatment which i was out of job. i still paid an amount they said to keep my account current but they still reported miss payment. the XXXX XXXX XXXX also took my car during that time and did not stand on their promise. i disputed with explenation but the status never changed since i came back to united states. these reports happen during 2018.
Complaint sub-issue: Deposits and withdrawals

While attempting to purchase lunch on XX/XX/2020, my card was declined several times. After making a call to my bank, I was told that my identity needed to be verified. No prior contact by phone or mail was done about this matter. I have been with them for over a year with no issues. I was told by a supervisor that I needed to submit my ID and current bill, which was done immediately, and that the hold on my account would be lifted in 1-2 business days. Now as of today XX/XX/2020 I am being told that it will take up to 10 business days. I have no money because this is my only account, how can I continue to survive like this? Please help
Complaint sub-issue: Their investigation did not fix an error on your report

After checking my credit report I have found numerous inaccuracies and violations. I have contacted Equifax multiple times to correct these errors but to no avail, as they seem not to be conducting a proper investigation. I have sent certified letters on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX all of which have not been able to correct these errors. Below are the account & numerous inaccuracies along with violations ( FCRA, FDCPA ). 

XXXX - Date of Last Activity is incorrect, High Credit inaccurate, Showing a Past Due on a Charge Off account. 

XXXX - High Credit incorrect, Showing a Past Due {$55.00} on a listed Collection/Charge Off account, Date of Last Activity inaccurate, Date of Last Payment is incorrect, Payment History is inaccurately reporting. 

XXXX XXXX - Showing a Past Due {$180.00} on a Collection/Charge Off account, Date of Last Activity is incorrect, Payment History is reporting inconsistently. 

unauthorized inquiries XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX Its my understanding each item on my credit report should be reporting 100 % accurate. The FCRA states its the SOLE responsibility of Equifax to conduct a proper investigation and the validity of each item or it must be removed. Equifax refuses to remove the above adverse accounts for inaccuracies they are falsely reporting.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXXXXXX, XXXX  XXXX, XXXX  XXXX, XXXX  XXXX, XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX/XXXX  XXXX , XXXX/XXXX XXXX, XXXX XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : 01 XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : 05 XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : 07 XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX/XXXX   XXXX, XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX/XXXX  XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I have tried to dispute all of the fraudulent inquiries on my Equifax report and have been unsuccessful over five times. I even called and someone was going to fix it and never did. I am a victim of identity theft and all the other bureaus have protected me except Equifax! I am very frustrated, stressed and overwhelmed by all of this : the companies fraud inquiry that is showing up is : XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX
Complaint sub-issue: Information is missing that should be on the report

I have a Citi Bank credit card account for over 14 years one of my oldest accounts, that has stopped reporting to credit bureaus which have affected my credit score and credit history, especially now that I was looking to get a new mortgage.

How can you help?

I have talked to Citibank much time, they told me they have email credit bureaus with my account information, but is still not showing in my credit reports. 

Thanks, XXXX XXXX XXXX XXXX Here is my account Information : Member Since XX/XX/XXXXAccount number ending in : XXXX Billing Period:XX/XX/XXXX-XX/XX/XXXXRevolving Credit limit {$20000.00} Available Revolving credit {$20000.00} Account number ending in XXXX TTY-hearing-impaired services only XXXX XXXX   XXXX XXXX XXXX, SD XXXX Includes {$1100.00} cash advance limit
Complaint sub-issue: Personal information incorrect

To Whom It May Concern XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address and phone number XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX All application as not been turn down do to my address not on my credit file I HAVE BEEN LIVING IN THIS ADRESS SINCE XX/XX/XXXX Have enclosed a copy of two bills Please delte this number on my allert its not my number XXXX Please delete the address bellow they are not my address ADDRESS : XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX, FL XXXX - REPORTED XX/XX/XXXX Please correct this phone number on my fraud alert to XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my state issued ID and a paystub statement with my Name and current address. 
XXXX XXXX ss # XXXX dob XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Complaint sub-issue: Account status incorrect

My XXXX XXXX  by XXXX  was reported as 30 days late on credit reports when I was not able to make a payment to avoid it. XXXX claims to been doing system updates for over a week now and people have not been able to log to account, make payments online or over phone for several days and therefore were not able to make payments by due date. I wanted to make payment by due date and pay past due amount to avoid late payment on report but was not able to as their system has been so messed up and got reported. XXXX  has complaint after complaint on social media about all this and they just keep giving everyone the same automated answers over and over and no real clear answers. People are worried about a data breach or something as none of us have ever seen a system update take a week or longer where sites and phone lines all go down with no one able to do anything.
Complaint sub-issue: Personal information incorrect

There is Several different ways that I am listed on all three credit Bureau. I would like this corrected. So to clarify my name, it should be XXXX XXXX XXXX DOB XX/XX/XXXX and address is XXXX XXXX XXXX XXXX XXXX, GA XXXX. I am recently divorced and my maiden name has been granted back to me in my divorce decree. If the other personal info can be removed. This would be appreciated