Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved and deleted as soon as possible. 
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 XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021
Complaint sub-issue: Personal information

report shows my address as XXXX XXXX XXXX. I have never lived there. My correct address is XXXX XXXX XXXX. Equifax refuses to correct.
Complaint sub-issue: Information belongs to someone else

THE XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Complaint sub-issue: Information belongs to someone else

I sent in all required documents by mail to the three credit bureaus in XX/XX/2019. They have failed to respond with in the stated requirements of the fair credit reporting act section 605b. I am a victim of identity theft and in desperate need of these items being removed from my report.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX  XXXX The requested investigation did not provide the documentation or update my credit report therefore they ... XXXX XXXX XXXX XXXX  have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715,719. I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Complaint sub-issue: Information belongs to someone else

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 XXXXXXXX XXXX -US DEPT ED XXXX 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 an account without my written instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

Dear Sirs : I opened a loan with XXXX XXXX in or around XX/XX/XXXX. I made my payments on time until XX/XX/XXXX when i experienced some financial difficulty. I made up all payments for two months missed in XX/XX/XXXX, and I have not missed a payment since then. I have contacted my local XXXX XXXX in XXXX, VA due to the credit reporting error and they agree with me that it is incorrectly reporting to the credit bureaus or the credit bureaus are incorrectly reporting it. The local branch sent me the account ledger showing my payments have been posting correctly. I believe this is a violation of the FDCPA. The loan is reporting in collection and charged off as of today and has been reporting since last XX/XX/XXXX to be in collections. This is incorrect per the local branch and my evidence.
Complaint sub-issue: Frequent or repeated calls

Ive been getting calls and they do n't leave a message. I 've had a comminication issue witg this company im the past
Complaint sub-issue: Information is missing that should be on the report

I Have disputed the accounts multiple times since XX/XX/2021 but they still have not deleted the inaccurate accounts neither have they done a reinvestigation to show a notice of dispute for any of the accounts
Complaint sub-issue: Their investigation did not fix an error on your report

To Whom It May Concern : I have recently been informed again that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. I challenge the accuracy, compliance and reportability of these listing on my credit reports. 

XXXX XXXX XXXX Opened XX/XX/XXXX {$7100.00} Original creditor : XXXX XXXX  PUBLIC RECORDS Reported on XX/XX/XXXX {$0.00} Overview Reference Number XXXX There is no contract, no valid claims ... account was settled with original creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

Ok so on XXXX I sent all 3 bureaus about some of the unknown and inaccurate things on my credit report. I can't even believe it but it's been well over 30 days and honestly about 60 DAYS NOW AND I HAVENT GOTTEN A RESPONSE OF MY DISPUTE AT ALL! I even sent a second dispute letter that is notarized just in case they didn't think it was me! I don't like being taken advantage of but by ignoring my disputes that's exactly what's going on here! I have called and nobody even has a confirmation number for me! Section 611 ( a ) states that a failure to investigate disputed items within 30 days gives a reason to immediately remove those items from my credit report and it has been about 60 days so they should be deleted promptly. I demand that the accounts are deleted expeditiously or I will have to file for litigation due to the stress you have caused me and my family. My info definitely got impacted by the data breach at Equifax! Please note that it may be in other hands!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 an account without my written instructions.
Complaint sub-issue: Account information incorrect

My XXXX credit card has not been updated on my XXXX report since XX/XX/XXXX. XXXX and XXXX always update accordingly. Thats how I know the creditor provided XXXX with an update. This is and ongoing issue and my credit file needs to be updated per statement. Ive tried to dispute online but of course XXXX website is not allowing me too.
Complaint sub-issue: Account status incorrect

In XXXX of 2022 my credit card was stolen so I reported this and closed the account. There was a fraudulent charge of XXXX that went 30 days past due because I was not aware and under the impression the card was closed. The fraud department did an investigation and determined it was fraud and so the 30 day late was to be removed from my XXXX after 4 phone calls speaking with several supervisors I was assured the late would be removed and 2 months later it has not. I was also told a letter would be mailed to clear this late and that was not.

I need help resolving this so I can get my fico score back up. 

Company XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX  Accounts : XXXX XXXX XXXX  XXXX # XXXX, XXXX XXXX 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 XXXXXXXX, DEPT OF EDUCATION/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 an account without my written instructions.
Complaint sub-issue: Frequent or repeated calls

The company General Revenue XXXX called my workplace and disclosed information on me and my debt. My work does not allow these calls and they have asked them not to call.
Complaint sub-issue: Problem getting your free annual credit report

I want XXXX XXXX, XXXX XXXX XXXX and Sage Stream to mail me a complete copy of my free annual credit/consumer report.
Complaint sub-issue: Card was charged for something you did not purchase with the card

My Citi Bank Costco credit card was stolen from my gym locker on XX/XX/2021 between XXXX and XXXX. The credit card was used to make a {$500.00} purchase from a XXXX location. Citi Bank alerted me to the likely fraudulent activity via the Citi Bank App. I attempted to use the app to lock the card and report the card as stolen. The app was unable to lock the card of course and gave an error message. I called Citi Bank and reported the card as stolen and the charges as fraudulent. I successfully reported the card as stolen via phone at XXXX on XXXX. A provisional credit was issued to my account. Following an investigation, the credit was reversed and I was held liable for this {$500.00} charge from a stolen credit card. The reason for this reversal is that a request for additional information was mailed to me with a due date in XXXX. I called and provided this information after the requested due date on XX/XX/XXXX. 
I should have called sooner, but I still reported the card as stolen within hours of having it stolen. The credit should never have been reversed and the information they required was not relevant to the fact that the card was stolen.
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 Account # XXXX, XXXX  XXXX XXXX XXXX Account # XXXX, and XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Acct # 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 an account without my written instructions.
Complaint sub-issue: Information belongs to someone else

I sent over inquiries that wasnt done by me. Im victim of fraud. Activities that was done online. All the other Credit bureaus removed it but Equifax. We been going about this for two months. Also I been victim of their data breach. They told me to call the creditors. Creditors telling me Equifax supposed to remove those inquiries.
Complaint sub-issue: Personal information incorrect

Hello, My name is XXXX XXXX, i have been trying to resolve problems in my credit report over a year. I found out that all the addresses and employments information in my report were incorrect and need to be removed. These problems need to be solved as soon as possible because it's gradually affect our family 's situation. Our family life have turned up side down since the COVID-19 start the fire in US. There are no income to stay at home and keep distances from people. Here are the addresses and employments information. 
**** ... .***** _EMPLOYMENT INFO *XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX ADDRESSES REPORTED 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

not mine : all FCRA violtions XXXX XXXX XXXXXXXX XXXX TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX CARD Account Dispute Reason Selected Edit Payment never late Comments Edit send proof of late payment RemoveXXXX  XXXX Account Dispute Reason Selected Edit Payment never late Comments Edit never late send proof RemoveXXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account RemoveXXXX XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account
Complaint sub-issue: Right to dispute notice not received

they have place a debt on my credit reports of XXXX and did not call me or speak to me. plus they did not send me any verification of this debt. contract or anything.
Complaint sub-issue: Not given enough info to verify debt

I show a debt to XXXX/XXXX on my credit report that I know I had insurance for ... so to begin with I called the hospital to verify this unpaid bill. XXXX said that they do not show any unpaid bills for me and instructed me to call the collection agency and ask for a detailed information sheet on this debt so that I can dispute it properly. I first called XXXX collection co ( XXXX ) which was very pleasant and professional, the lady on the phone said no problem we need to send for that information and when we get it we will forward it on to you. THEN I phoned ARMADA corp ( XXXX )., let me tell you they are unprofessional clowns. I first was transferred at least four times before reaching the GEM of an agent that I did .... I did not get her name but she is working out of their XXXX, Wa office and XXXX is the supervisor. I asked for the same detailed list from them and they acted like it was near impossible, finally she said that I would have to submit a letter to them in writing requesting this information, I explained to her and several other employees of XXXX that it is their job to prove this debt and that I was requesting it by phone and she said she would " see what I can do '' which is not acceptable so I requested to speak to her supervisor who was conveniently unavailable and then she hung up on me. I called back and spoke to a different person in the same office who said that the first lady that I just spoke with was now UNAVALIABLE. I again expressed my desire to dispute this debt and that I was requesting this formally NOW on the recorded phone line. I was finally told that XXXX would have to call me the following day which is today ( XXXX/XXXX/2016 ) and I received no call from Anyone at XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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
Complaint sub-issue: Didn't receive notice of right to dispute

This company reported an account from XXXX on XX/XX/2020 in the amount of {$1000.00}. This collection agency is in violation of FDCPA 809 ( a ) for not providing a collection notice within 5 days after initial communication. This was not done 5 days after reporting it to the Credit reporting agencies.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have spent many hours online following the directions to dispute inaccurate information on my Equifax credit report and on multiple occasions now when you get to the end and hit submit it tells you they're having problems identifying me and try ago later, or says you timed out, try again later, etc. There's always an excuse for them not to accept any disputes to their credit report, when in fact there are several. I never had any issue disputing discrepancies with XXXX, but Equifax makes it an impossibility
Complaint sub-issue: Account information incorrect

i sent Equifax 3 different letters dealing with negative items that on my report on XXXX THAT are inaccurate and incomplete and should be remove as such.I have attached the 3 copies below for further viewing and assistance.
Complaint sub-issue: Threatened to arrest you or take you to jail if you do not pay

On XX/XX/XXXX I was issued a summons from XXXX XXXX. I had made a good faith payment of XXXX in XX/XX/XXXX. I had tried to keep communication with them and hoped they would work with me. I live with mom and dad and they have severe health issues and I had another mailing address for them to mail and get in touch but they did not honor it.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8300.00}, {$14000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account.
Complaint sub-issue: Problem making or receiving payments

On XX/XX/2022, I used Citibank 's " Pay Bills '' online banking service to remit a payment to my landlord for that month 's rent, in the amount of {$1600.00}. 

I input my landlord 's name, her physical mailing address, and the check amount. I did not enter any electronic banking information. Citibank 's bill payment service allows you to enter a payee 's name and information, and the bank will mail out a physical check in the amount ( s ) indicated to settle the bill.

For my landlord, Citibank 's system indicates specifically that " this payee will be paid via check sent via US mail to a US mailing address. Please allow at least 5-7 business days for payment to be received. '' Later in the month, I was alerted by my landlord that she never received the check. I called Citibank customer service to inquire, and they walked me through the transaction. The bill payment transaction shows a status of " paid '' as of XX/XX/2022. However, I only ordered the check on XX/XX/2022. 

The customer service representative explained that " paid '' means the check has been cashed. How is it possible that a physical check was ordered, printed, mailed, and cashed all within one day? This is not physically possible. The representative acknowledged that.

The representative suggested that it was possible Citibank electronically transferred the funds. But I never provided Citibank with any electronic banking information, so how did they know where to transfer the funds to? I called my landlord, and she said to me that she hasn't received the funds electronically, either. I asked her to double check on the specific date mentioned ( XXXX XXXX ), she confirmed that she received nothing. 

Where did Citibank send my money? I did not authorize any electronic transactions, nor did I provide Citibank with any electronic banking information. How is it possible Citibank, of its own volition, initiated an electronic transaction without my authorization, apparently to a complete stranger? 

My landlord needs her rent money. I need my bills paid. Citibank needs to rectify this ASAP. I called them and the best they can do is " investigate, '' with no clear timetable for completing the investigation. They refuse to credit me any funds in the meanwhile.
Complaint sub-issue: Reporting company used your report improperly

Lexisnexis I want to first or foremost warn you that myself and  XXXX are in legal Ligation aka lawsuit. You should not be interfering in any pending legal matters. Number one your violating a court order and legal matter! Number two your violating the FCRA for improper use of my credit report I have never asked you to  conduct any investigation on behalf of myself XXXX  XXXX or anyone I came to you directly and only you! I have reached out XXXX  XXXX and their attorney after receiving notice of a change to the XXXX credit report! Awaiting their response! Lexisnexis If their attorney or them come back and make one mention of your name making any changes to the credit report I will be left with no choice but to bring legal action against you! This is unlawful and very unprofessional on your behalf! I have attached proof via the CFPB that you were the only one who did this and I demand you to remove the information from XXXX until after trial! Would be the right and best thing that you could do! Or face the serious consequences! I have also attached the letter that you sent via US mail stating that you contacted XXXX and this information will be used against you! I will always notify the courts and my attorney letting them know that a 3rd party vendor lexisnexis has interfered in a pending legal court Proceedings!