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

According to the Fair Credit Reporting Act, 15 U.S.C. 1681g ( a ) ( 1 ) ( A ), before any and all accounts you post you are required by federal law to verify all information in my file through physical verification. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see written confirmation of the consent by way of a contract with my wet-ink signature giving consent to the furnisher to communicate with a corporation outside of their corporate control. Under FCRA 15 U.S.C. 1681a ( o ) ( 5 ) ( A ) ( i ) ( iii ) I demand to see Verifiable Proof you have in my file of the accounts listed below. Your failure to positively verify these accounts will hurt my credibility and my ability to obtain credit. Under the FCRA, 15 U.S.C. 1681i ( 5 ) ( A ( i ) unverified accounts must be deleted 1 Please remove the following inaccurate address from my credit report : XXXX XXXX XXXX XXXX XXXX WI, XXXX XXXX XXXX XXXX XXXX # XXXX You have previously verified this account as accurate. However, the high balance amount is not reporting accurately and must be removed from my report. 

XXXX XXXXXXXX XXXX XXXX # XXXX You have previously verified this account as accurate. However, the high balance amount is not reporting accurately and must be removed from my report. 

Please remove all non-account holding inquiries over 30 days old.
Complaint sub-issue: Can't close your account

During the weekend of XX/XX/XXXX I received a call on my cell phone from someone identifying themselves as Citibank employee from the Fraud Department Telling me my citibank ATM was being used at XXXX to make a purchase in the {$800.00}. The had my last XXXX of ATM and my cell hone. I called the number showing on my cell and it was Citibank. I talk to them. They said they would send me a new card in the Mail. On Tuesday as I did not receive my card I called Citibank they said nothing was ordered but the fraud was clear. I called again on Saturday ( was sick that week in bed and could not talk ) and I was told my account had been hacked and the account was not accessible they could not talk to me. I went to Citibank XXXX XXXX in person and with XXXX forms of ID asked them what was going on. XXXX XXXX, a personal Banker told me it was standard procedure and that XXXX  account had been hacked so they do not want to talk over the phone. 
She looked at my accounts and I had XXXX with Citibank and was a customer for XXXX  years. She was going to close the XXXX other account an open a new one. Then she said she'd better call to make sure she could do that. When she called they said we should wait until Tuesday ( Monday was a Holiday ) and we should have gotten an answer. I asked if the XXXX accounts not hacked could be frozen. She did. I return Tuesday, Wed., Thurs. and there was no answer. Friday she called the fraud Department and they said as all accounts were frozen I could not get access to any funds. Actually they said they would not do business with me and I would receive a letter in 30-60days. This left me with not a cent. The Banker sent another message to try to get this resolved. I went again non Sat. no answer. I borrowed money from my partner and went open an account in another bank. I called Cal HR ( I work for the state of CA- correctional dept. ) and put a stop to my direct deposit. meanwhile I try to get funds from Citibank and I was hung up on when I asked how I pay my bills. 
As I did not see any check in the mail, I called calHR today and was told my paycheck went to my account at Citibank. leaving me yet again another month with no money. I called Citibank and got the same song and dance : " we will send you a letter in 30-60 days and we are closing your accounts. '' I can not get access to any of my funds leaving my to borrow from people. 
No one have wanted to talk to me, explaining what is going on. No one has offered any solution, no one has offered to give me access to even a cent. I have a fair amount of money in my accounts and I leave on borrowed money. This can affect my credit! Yet Citibank refuses to talk to me. Why are they kicking me out? Why do they need my money to investigate the hack? Why are they keeping the money on the XXXX other accounts, which were untouched? 
I have no document to give you as Citibank won't even talk to me.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2022 I sent Equifax Information Services a hand written letter disputing five items on my credit report. This letter was sent via certified mail with signature receipt requested. I received the signature receipt back with a stamped date of XX/XX/2022. Equifax had thirty days from this date to review and verify the information being disputed, which they did not. As of XX/XX/2022, I had not received any correspondence from them. I sent another certified letter on XX/XX/2022, explaining that they did not respond within the thirty days allotted to them and that I was requesting the items under dispute be immediately removed from my credit report. I finally received a report of their initial investigation several days later but well after the thirty day time frame. After receiving my second letter requesting removal of all disputed items, they simply opened a reinvestigation and ignored my request to have them deleted. As of today, these items remain on my credit report from Equifax Information Services.
Complaint sub-issue: Investigation took more than 30 days

I submitted a dispute in on XX/XX/XXXX. I received a response denying my dispute a week later. I then mailed in a method of verification request for this dispute. The letter was mailed certified and was signed for on XX/XX/XXXX. I had not received a response within the 15 days required by law. Therefore, on XX/XX/XXXX ( over 30 days after the letter had been signed for ) I mailed in a letter demanding this item be removed since the FRCA had been violated. This letter was signed for on XX/XX/XXXX. They still have not removed this item or given me a response. The person on the phone told me they did not have to do this investigation. Completely unprofessional.
Complaint sub-issue: Account status incorrect

On XXXX Dignifi Received Electronically a payment in the amount of XXXX, as of XXXX Dignifi reported my account as 30 days late to the credit bureaus and had not posted the payment. 

As of XXXX the payment still has not be processed, my bank has reached out my banks payment processor has reached out multiple time to Dignifi without response.
Complaint sub-issue: Their investigation did not fix an error on your report

How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
They also violated my rights numerous times. 
The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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: Credit inquiries on your report that you don't recognize

I have requested Numerous times that Equifax remove unauthorized inquires on my credit report, I have gotten generic letters sent back stating they basically wont delete. 
The mortgage inquires- I never allowed my account to be ran my mother in law was going to sign on a house not anything to do with me, I knew at the time I was no where near reading to apply. 
XXXX, my fiance has an account with them, I NEVER put my social down for them to run, the only thing associated to me was my debit card for a down payment for his account to be opened- XXXXl XXXX I did not authorize XXXX XXXX XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed the late payment status reported on XXXX XXXX XXXX, XXXX XXXX ', XXXX XXXX with the credit bureaus for several attempts, to no avail.. They did not give me evidence or verification as to why they will not overturn the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Complaint sub-issue: Public record information inaccurate

Several outdated addresses- XXXX XXXX  and two addresses in which I have never lived or used for credit purposes- one in XXXX XXXX  where I have never been as an adult, dont know anyone who lives at this address and the other an apartment which I have never lived at, also dont know anyone whom has lived here or lives here. I have been at my residence since XX/XX/2009.
Complaint sub-issue: Information belongs to someone else

Please remove the following accounts from my credit file, I do not owe this company nor have I have any contract with them. Please remove, XXXX {$940.00}
Complaint sub-issue: Information belongs to someone else

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft DSNB MACYS Account Number : XXXX This is not mine.
Complaint sub-issue: Account information incorrect

I never gave Equifax Permission to furnish this information on my consumer report on my behalf. I am demanding Equifax remove all following information in attached letter from my consumer report. 15 USC 1681 ( b ) Permissible Purpose - Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Equifax please provide a contract between you and I bearing my wet ink signature to furnish this information onto my consumer report. In absence of such contract remove all items in letter attached.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the Account that is still reporting on my Credit Reports and need to UPDATE completely from my Credit Report : XXXX XXXX Balance Owed : {$0.00} Date OpenedXXXX
Complaint sub-issue: Deposits and withdrawals

On XX/XX/XXXX, I opened an online savings account with Citi. On XX/XX/XXXX, when I attempted to contact Citi to obtain an identification code to be able to access my account, I was told that a code could not be provided for 14 days. It is an unfair, deceptive and abusive practice to permit a person to open a savings account, receive funds from the applicant, but then not permit an applicant to have access to those funds for 14 days. It also seems to constructively be a violation of the Expedited Funds Availability Act. Even though the institution may state that funds are available in the account, if the institution, Citi, has an internal practice that constructively prohibits access to those funds for a time period in excess of the time period permitted by Regulation CC, that would seem to be a violation of law.
Complaint sub-issue: Card opened as result of identity theft or fraud

- Someone appears to have fraudulently applied for and received a Visa credit card in connection with my Fidelity investment account - I discovered this today when I received an account statement in the mail ( physical mail ) addressed to : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX - Note that this is very similar to my address, which is : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX- The account number on the fraudulent card is XXXX XXXX XXXX XXXX - I wasn't able to determine exactly when the account was opened, but it was likely in XXXX of XXXX of 2021 - This person appears to have made purchases totaling {$270.00} from XX/XX/2021 and XX/XX/2021 - I have reported this to Fidelity and they are investigating - Fidelity also told me that the email address associated with the fraudulent application is XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

On  XXXX    XXXX   I submitted a dispute requested for the account  XXXX   XXXX   XXXX   ``   XXXX   XXXX   XXXX  '' that was paid {$500.00} and showing  XXXX  balance in collection be deleted from my credit report. No results. Account is still showing in collection with Equifax
Complaint sub-issue: Other problem getting your report or credit score

My credit report DOES NOT appear in the Equifax system. I have lived in the United States now for more than ten years and have credit reports with XXXX and XXXX ( good credit scores, 750+ ). I have credit cards with XXXX XXXX  XXXX ( since XXXX ), XXXX ( since XXXX ), and several store cards ( XXXX, XXXX XXXX, etc. ). My total credit limits exceed {$50000.00} across these cards. I also have an auto lease with XXXX XXXX XXXX I am now applying for a home loan not having the Equifax report show up is an obstacle. 

I spoke with Equifax agents 4-5 times who asked me to send them my social security card, drivers license, and lease copy for residence proof. I did that three times : twice via USPS in XXXX and once via fax in XX/XX/XXXX. They claim to never receive it, or, it does not show up in their system. 

I have been on 4-to 5 long calls with their agents and nothing resolves.
Complaint sub-issue: Account status incorrect

I had a lease with XXXX from XXXX XXXX XX/XX/2021 and completed the terms of the lease full ( attached you will find a paid in full email sent to me from XXXX XXXX XXXX XXXX. XXXX then disabled my autopay and ability to make payments as the terms of the lease were met in full. I then signed a contract for a lease extension from XXXX XXXX XX/XX/2021 ( attached you will find the lease extension contract effective XX/XX/2021 ). XXXX XXXX XXXX claims that they sent me various letters on XX/XX/2021, XX/XX/2021, and XX/XX/2021 asking me to return my lease vehicle ( these are all letters that I never received and I would like PROOF that these letters were actually mailed or emailed and not sitting in their database ). It makes no sense that XXXX would send me letters to return a lease vehicle after having a signed lease extension on XXXX this means that XXXX broke their contractual agreement and incorrectly documented that they sent me notices to return my vehicle based on the old contact and not the new one. 

XXXX also reported that they spoke to me on the phone on XX/XX/2021 asking me to return the vehicle which is untrue ( I would like a transcript of the call ). I actually called XXXX ( they did not call me when we spoke ) asking why my payments are being blocked for my new lease extension agreement through XX/XX/2021. On that phone call XXXX indicated that they had a delay in processing my lease extension contract and it was THEIR fault that my payment is not going through for the lease extension. XXXX informed me that they would escalate in order to process the lease extension paperwork since it was their mistake. 

XXXX then wrongly repossessed the vehicle that I was contractually entitled to have until XX/XX/2021 and additionally unfairly reported this information on all 3 credit bureaus even though the paperwork processing mistake was THEIRS and not mine. XXXX has since reported it as a charge off for {$190.00} which is the cost of the wrongful repossession and not the cost of any car payment I missed. 

I have disputed this several times for over a year over the phone and in writing. This unfair credit reporting has cost me {>= $1,000,000} in lost mortgage loans, car loans and business loans due to the impact this has caused my credit score. If my credit report is not made clean by XXXX I will be pursuing legal action and enforcing my rights under consumer law.
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent the first complaint to Macy 's and Bloomingdale 's. I receive a letter from your company thru the CFBP. XXXX XXXX has her name on the bottom of the letter. I have made several attempts to call her during office business hours at the provided number of XXXX ext.XXXX. I have been unable to get in touch and unable to proceed with leaving a voicemail. 

The current date today is XX/XX/2020. I would like a response from XXXX XXXX with the appropriate phone number and fax. 

XXXX XXXX can now respond to the letter that I'm have attached for your viewing.
Complaint sub-issue: Trouble with how payments are handled

On or about XXXX XXXX, XXXX, I paid my student loan in full in the amount of {$2400.00}. By letter dated XXXX XXXX, XXXX, I was advised by XXXX XXXX / American Education Services : " Congratulations! This letter is to inform you that the loan ( s ) on the reverse side of this letter is paid in full? No further payments are required on this loan ( s ). '' Notwithstanding the above, on or about XXXX XXXX, XXXX, I received a voicemail from a representative of American Education Services indicating that there " was a problem with [ my ] account and that I should contact [ him ] as soon as possible. '' Despite my immediate return phone call and voicemail message, I did not receive any further correspondence until XXXX XXXX, at which time I received an invoice indicating that I now have a current balance on my account of {$6200.00}. Shockingly, no information was ever provided to me, and it is my understanding that - without my knowledge - interest was accumulating on this " closed '' account during this time period as well. It is my understanding that payments may have been misapplied by XXXX XXXX / AES, for which XXXX / AES now claims that I have the aforementioned balance on my account. Upon speaking with XXXX representatives of AES on XXXX XXXX, I was informed that " [ I ] was never sent a letter confirming my payoff of the above account '' and, to my disbelief, was advised that no mistake had even occurred. Upon speaking with a supervisor, I was informed that a mistake had in fact occurred, however, XXXX / AES had only discovered same XX/XX/XXXX - my investigation reveals that this information was not truthful or accurate. Despite my letter to AES of XXXX XXXX, XXXX, I still have never received any explanation of what transpired, any correspondence in this regard, or even the courtesy of an apology.
Complaint sub-issue: Reporting company used your report improperly

I did not consent to nor did I authorize the below information to be reported on a consumer report about me : XXXX. XXXX XXXX XXXX XXXX XXXX. Carmax XXXX. XXXX XXXX XXXX XXXX. These inquiries were Not initiated by me : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXXXXXX XXXX XXXX. XXXX. 

Your company do not have my written instructions to furnish a report on me. Correct this issue by deleting the about accounts and inquiries or else I will file suit in the United States District Court.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the complaint, 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, XXXX XXXX Sections XXXX 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 accounts and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I previously disputed the inaccurate accounts that are in my credit report last XX/XX/2021 but to no avail the credit reporting agencies did not fix my problem nor did they investigated or gave me a response. On top of that, they did not verify if the accounts they are reporting are even right! I know that they should be reporting with maximum accuracy but they are clearly not and it's hurting my credit score big time. Please help me resolve this with them as I am losing my patience and I don't know what else to do.
Complaint sub-issue: Information belongs to someone else

I am writing to delete the following information in my file. The items I need deleted and blocked from being reported to credit file are listed in the report I am a victim of identity theft and did not make the change. I asked that the items be deleted and blocked to correct my credit report. I reported the theft of my identity to the Federal Trade Commissions Identity Theft Affidavit. Please delete these items as soon as possible, thank you for your time.