Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

This is my 3rd time filing a complaint in regards to my credit reporting for my US Bank Mortgage. In my previous complaints, US Bank acknowledge that I was given false information and agreed to suppress XXXX and XX/XX/2022 payments. But they did not address the negative reporting of XX/XX/2022 payment and as this payment was also due to the false information that was given to me, the negative reporting for XX/XX/2022 should be suppressed too. The fact that US Bank continues to drag this on is very concerning. It shows that this company does not care about its consumer and will just say anything to get you off the phone. As to save time I have attached the previous disputes and screenshot of my credit report showing the negative reporting for XXXX. Please remove all negative reporting for XXXX, XXXX, and XX/XX/2022.
Complaint sub-issue: Information belongs to someone else

I am a victim of Identity theft. I have provided proof of my ID, Identity theft report from the Federal Trade Commission and a letter citing all the fraudulent accounts on my credit report. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.
Complaint sub-issue: Attempted to collect wrong amount

Afni, Inc. purchased a disputed debt from another debt collector. The debt status as disputed was known to Afni , Inc . The debt was removed from my credit reports because it was disputed and legally not owed. 

Despite the foregoing, Afni, Inc. submitted false statements to the consumer reporting agencies falsifying that the debt exists and is owed.
Complaint sub-issue: No notice of investigation status/result

I disputed several items on my credit report with Equifax. The items are not mine. Equifax never sent the results of my disputes. They sent me a letter listing several inquiries that they stated they disputed and that they updated my address. I never disputed the inquires or my address information. Equifax ignored the disputes that I sent. It has been 60 days since my disputes on the Erroneous, inaccurate accounts.
Complaint sub-issue: Reporting company used your report improperly

I have several hard inquires on my Equifax report that I have no clue where they came from. I have dispieted this information with Equifax over 4 months and no result. I recently submitted and FTC because I do not have any other options when I am lost on these inquires. They have violated my rights to privacy and fairly considering my report during their investigation. 

15 U.S.C 1681 section 602 A. state 's I have a right to privacy 15 U.S.C. 1681 section 604 A. section 2 also states a consumer reporting agency can not furnish my account without written instructions.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692B not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt I did not give anybody written instructions. 

Every account on my FTC report is a HARD INQUIRY that I did not authorize
Complaint sub-issue: Old information reappears or never goes away

Department of Education and all 3 credit bureaus along with Nelnet continue to report older information over 8 years old that has been paid/closed/settled for 7 years or more. I want these items removed.
Complaint sub-issue: Right to dispute notice not received

On XXXX XXXX, XXXX, I sent a certified letter to XXXX XXXX. XXXX, vice president/trial counsel of XXXX XXXX XXXX XXXX, assignee to Credigy Receivables requesting them to verify a debt that has started in XXXX, but until now I have not received anything from them. They placed lien on my property in XXXX and XXXX but failed because the SSN who owes the debt was not mine. They also tried to foreclose on my property thereafter, and that also failed. This debt was not even ever in my credit report. What should I do next? Will you please help me?
Complaint sub-issue: Funds not received from closed account

Hello, I opened a checking account with citibank last month, made an opening deposit of {$30000.00} from my XXXX money market acount for a {$400.00} bonus promotion. About 2 weeks later I got a notification from citibank that they had closed my account and that I would be receiving a letter in the mail with the reason why. It has been almost a month since then and I have received no letter. I ended up going into the branch and they told me the account was closed due to fraud. There has been zero fraud in my account and I even showed the citi banker the transfer that came out from my XXXX account to fund my new citibank checking account. Citi is now refusing to give me the money back and I fulfilled the terms of the promotion as well so I am also demanding the {$400.00} bonus that is due to me for depositing the {$30000.00}. There was no fraud in my account, I have used this XXXX savings account for almost a year now and have had no issues with any other bank. Please get this resolved with Citi, they are thieves. Everyone I speak to at Citi customer service hangs up on me. 

Thank you, XXXX XXXX
Complaint sub-issue: Other problem getting your report or credit score

I do not have a freeze on my EQUIFAX credit file, however my mortgage company is unable to obtain my report - my mortgage may not process due to this. I have been calling for several weeks and have promised a return call to assist but this never occurs
Complaint sub-issue: Public record information inaccurate

LexisNexis is reporting a XXXX account on my report that has been paid and is reporting it as not paid. They are also reporting two tax liens that have been paid and they are reporting it as not paid. This needs to be removed asap. I have included the documents that show it has been paid. The court also does not provide this information to them. 

Amount : {$5600.00} File Date : XX/XX/XXXX Judgment Type : SMALL CLAIMS JUDGMENT XXXX XXXX XXXX XXXX XXXX XXXX : XXXX, GA Filing # : XXXX Date Last Seen : XX/XX/XXXX Filing Book : N/A Release/Satisfied N/A Date : File Date : XXXX Type : Amount {$14000.00} XX/XX/XXXX FEDERAL TAX XXXX XXXX XXXX SUPERIOR COURT XXXX XXXX XXXX XXXX XXXX GA Filing # : XXXX Date XXXX Seen : XX/XX/XXXX Filing Book : XXXX Release/Satisfied Date : N/A Filing Page : XXXX File Date : XXXX Type : Amount {$330000.00} XX/XX/XXXX FEDERAL TAX XXXX XXXX XXXX SUPERIOR COURT XXXX XXXX : XXXX, GA XXXX XXXX XXXX XXXX Date Last Seen XXXX XX/XX/XXXX XXXX Book : XXXX Release/Satisfied Date : N/A Filing Page : XXXX
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I have a Bankruptcy report on my credit report. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately.

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Complaint sub-issue: Information is missing that should be on the report

Account satisfied / not owed / not mine falsely and repeatedly reported. Equifax denies I am the complainant and does so repeatedly to avoid accountability of regulators in violation of license and law. 

No moneys owed. Attached find record indicating same. Yet no documents contrary to nothing owed or substantiating complaint have ever been provided.
Complaint sub-issue: Account information incorrect

I faxed my social security card, front of my driver license and back of my driver license with a letter yet again requesting Equifax to remove dispute remarks from my credit report. The XXXX XXXX acct in the amount of {$500.00} was opened this year I believe back in XXXX and has never been disputed by me. I totally agree with the balance on the account and the payment history of this account therefore I want the customer dispute remark removed ASAP. The XXXX account in the amount of {$500.00} is still showing with dispute remarks that this account was previously disputed and that is incorrect. I agree with the balance and the payment history of this account therefore again I want all dispute remarks removed from this account ASAP. Finally, XXXX XXXX  XXXX is listed as consumer dispute which is also incorrect. I agree with the balance and the payment history on this account and therefore want all dispute remarks removed from this account ASAP. This is now the 2nd request made to Equifax to have this information removed from my credit report to no avail. Please remove all dispute remarks from my credit report immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be updated or corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items will be repaired immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

Greensky Financial Obtained a copy of my credit report on XX/XX/2019 without my permission. I did not authorize this company to obtain my credit report
Complaint sub-issue: Was not notified of investigation status or results

This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
EQUIFAX and the account name is XXXX XXXX balance {$2800.00} account # XXXX 30 days late in XX/XX/2021, XX/XX/2021, and XX/XX/2021.
Complaint sub-issue: Received bad information about your loan

I and my employer, the XXXX XXXX XXXX, have provided XXXX XXXX information on my employment with the tribe several times to qualify for the public service forgiveness option. They have continually rejected my application on false premises, saying I or the employer did not include information I am positive was sent to them. I have worked as a paralegal or title analyst for decades and understand how to fill out forms accurately. These pretextual denials of my renewal status on this program are infuriating.

My account number with XXXX XXXX is XXXX XXXX XXXX and I am trying to renew after one year in the program.
Complaint sub-issue: Information belongs to someone else

I'm demanding that the following fraudulent accounts inwhich derived from identity theft be removed & blocked from my credit files. 

1. XXXX/ XXXX  {$71.00} 2. XXXX  {$100.00} 3. XXXX XXXX XXXX {$470.00} 4. XXXX XXXX XXXX {$83.00} 5. XXXX  {$760.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

On XX/XX/2020 I received mail from U.S Bank ReliaCard with a debit card attached. I did not authorize nor did I apply for any account and/or benefits associated with this account.
Complaint sub-issue: Problem with fees

Today, I spoke with a XXXX at Citi/Sears about my account. She said my interest rate will NOW begin to tack on as of XX/XX/2020 and fees. I explained that my fixed income as a retired, XXXX XXXX XXXX was NOW even more limited with medical and RX bills. She didn't care and said the fees will start and will not delay or defer the fees. With COVID still around for an unknown time, I wanted to defer fees, late fees and payments for a set period until we get past the COVID issues. She was unapologetic and uncooperative. I asked for a supervisor and XXXX put me on hold for 14 minutes per my cell screen and upon return, she said nothing more could be done. I asked for the superior 's name today XX/XX/XXXX at XXXX XXXX and XXXX said, " I don't have her name '' this is ridiculous and abusive. I want to file a complaint with the other complainants against CITI ... ... 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX
Complaint sub-issue: Account status incorrect

Equifax is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 7 complaints informing Equifax that I was a victim of identity theft. Equifax is failing to block or remove the account from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged account, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent account, an affidavit from the FTC website & provide a photo ID for their records. Equifax has claimed the account listed below has been verified and is accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the account blocked/removed : XXXX XXXXXXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

It was reported on my credit reports that I was late 60-90 days late on my student loan # XXXX with XXXX XXXX XXXX XXXX XX/XX/XXXX-XX/XX/XXXX. I applied for a forbearance due to XXXX and out of work for 3 months which was approved by XXXX until XX/XX/XXXX. I sent XXXX an inquiry as to why they reported to the credit bureaus that I was late and they sent me a letter stating that they did not report any late payments to the credit bureaus. I demand this account be removed from all 3 of my credit reports
Complaint sub-issue: Account status incorrect

In XX/XX/2016, I traded my XXXX for a new vehicle. The account was in good standing and completely paid off. The account has shown closed and paid in full as of XX/XX/2016 on all three credit reports since then. A few months ago, my Equifax monitoring alerted me for delinquent reporting. When I looked, it was the XXXX XXXX reporting a 30-day lay for XX/XX/2016. I have tried to get this corrected several times already to no avail. At this point, I am ready to escalate if needed. This is starting to create issues and question my creditworthiness and integrity. I have been denied for business credit, and personal credit limits decreased significantly siting delinquency. I was never late with this account, and I find it ridiculous that this randomly appeared on my credit report 6 YEARS AFTER THE ACCOUNT WAS CLOSED.
Complaint sub-issue: Information belongs to someone else

I was informed by my banker ( 10 years ) that I was not approved for a personal loan I was needing because of derogatory items on my credit history. I then decided to pull my credit and I noticed several unknown items. Please remove these fraudulent accounts from my report. Thank you. 

XXXX XXXX {$330.00} XXXX XXXX {$1100.00} XXXX  XXXX {$1500.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$8500.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Reporting company used your report improperly

I am making a complaint to CFPB in reference of inaccurate information on my credit report. I have spoken to Equfax on numerous occasion and was infomred that the issue has been resolved and investigated. If this was the case then the information would have been corrected. The following accounts are still inaccurate and is having an advserse effect on my credit. Accoridng to U.S.C. Sec 1681i ( a ) this is an infracation of the Law. The folling accounts are inaccurate and this proof was also provided to Equifax and was properly repported in XXXX. XXXX XXXX XXXX # # # # # # # # # # # # # XXXX, XXXX XXXX # # # # # # XXXX which is accuatley on my credit report 2 times for the same account having an adverse effect. as well as XXXX XXXX XXXX
Complaint sub-issue: Received bad information about my loan

So I disputed an account on my credit report and it was returned as the address not being good. I sent it to the address on my credit report and it was returned to sender. This means the account is not verifiable and a violation of the FCRA.
Complaint sub-issue: Right to dispute notice not received

I was recently made aware of a current lawsuit against a collection company known as EOS CCA located in XXXX, MA. They currently have an open account from XXXX XXXX XXXX as of XXXX XXXX, XXXX for a balance of {$220.00} established in XXXX. I have in the past disputed this account and then eventually paid it in XXXX. Of course that was with a different bank account I had back then with no proof of payment. I have yet to receive any communication from this collection company or an option to dispute. This continuously keeps attacking my credit. Any advice or help would be appreciated. 

Thank you.
Complaint sub-issue: Funds not handled or disbursed as instructed

On XX/XX/2022 a {$300.00} Deposit was sent online to the XXXX XXXX, XXXX  located at XXXX XXXX XXXX XXXX. XXXX, GA XXXX | XXXX XXXX XXXX XXXX | XXXX, We decided to go to another location, due to the Company stating if he had a Guarantor or Co-Signer he would be over qualified so we decided to cancel the application. Which XXXX the Company that referred us to them stated they would have to return the deposit back to us since the deal was cancelled. Approximately 3 to 4 weeks went by and I followed up with XXXX the Apartment Complex regarding our refund. They stated it had been mailed and cashed. I informed them that we hadn't received anything and confirmed my address, they stated that's where it was mailed, and they sent me a copy of the signed check! Of course it wasn't my signature. At this time, we still haven't received the refund from Synovous Bank and the Apartment Complex is giving us misinformation and nothing definite regarding the deposit refund. Also, whomever Forged my Signature and Cashed the check needs to be held accountable and funds paid with interest. I have spoken with the Manager XXXX XXXX, again nothing has been taken care of at this time.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I reviewed my credit report on XX/XX/2020 and I noticed a collection account from ERC on my credit report for XXXX XXXX bill. I was unaware that I had a balance with XXXX so, I contacted XXXX. Although I didnt remember owing XXXX for service, I submitted and XXXX accepted the payment. Since XXXX accepted the payment, they should have recalled the account from the collection agency -ERC. I filed a disputed via XXXX  for the collection account and ERC verified the debt as valid debt and a valid account for collections.
Complaint sub-issue: Transaction was not authorized

My account was hacked and they used my ENTIRE paycheck. Over {$800.00} in XXXX day. The charges are all from businesses in XXXX, XXXX or XXXX. I am in XXXX. I can prove I never left. Also, looking at my previous charge pattern, I dont eat out. I dont know how XXXX person could make XXXX different restaurant purchases and XXXX different movie theatre purchases in a few hours. 

This happened on a Friday. Everyone gets paid on Friday. These charges happening after I got paid is not indicative of any special awareness of my account balance. Friday is payday for everyone. 

I was not aware of the charges until I got an insufficient funds message. The thiefs obviously just kept charging until something got declined. I immediately froze my card and XXXX more charges tried to come through after that. 

You are FDIC insured for this sort of occurrence. Why is my claim being denied when its so obviously fraud??? The transaction pattern is definitely indicative of fraud. XXXX restaurants and XXXX movie theatres in 1 day?! 

I just opened this XXXX account and this is my second direct deposit and someone drains my account?? Ive had my XXXX account for years and never had any issues. So this is a security issue on your end and I need my money back.