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

On XX/XX/21 I mailed a certified letter to Equifax ( USPS tracking number XXXX-delivered on XX/XX/21 ) demanding that the only information on my credit report should be my current address. I just looked at my report and noticed they have an erroneous address listed along side my current address. IT NEEDS REMOVED IMMEDIATELY. Why are they not following the FCRA? This request was made due to me being involved in numerous data breaches and concerns of identity theft. I will attach my letter sent to them, the erroneous address showing on my report, and the confirmation the letter was sent via Certified Mail and delivered. My " formerly known as '' name is also erroneous and needs immediately removed.
Complaint sub-issue: Account status incorrect

Please be advised that this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages  that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that   you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you cant and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you cant verify aft er two written requests is also evidence of your willful disregard of Federal Law. When  we go to litigation and through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you dont have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the  Court will order you to delete them. You say that you have reinvestigated these accounts but youve admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ). I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can no t be verified. I request that you do this immediately. The law is very clear as to the civil liability and the remedy available to me  ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand that you delete all of the accounts listed below immediately & provide me with a copy of an  updated and corrected credit report showing that these items have been deleted.   Name of Account :  XXXX   XXXX   XXXX   XXXX  :   XXXX   XXXX   XXXX   XXXX   XXXX  Account Number :  XXXX
Complaint sub-issue: Can't close your account

I downloaded an app called digit to help me manage my money and savings. Its a legit app, I even researched it before I downloaded it. I closed my checking account with my bank that I was using through digit. When you use the digit app it can automatically transfer money into a savings account through them. So when I closed my bank account I wanted to withdraw my money that Digit had automatically saved. Easy enough I had to verify my routing number and account number and they would send me a check. I did verify my account and the app kept refreshing me to the home page. I did this several times on different days and got the same results, so I decided to contact digit. What I found out was that they did not have a help hotline only an email address. Irritating, but I emailed them. My first email I sent was in XXXX on the XXXX, I received an automated email back saying that they would be in touch within 48 hours. I checked my email all week and nothing. I never received any phone calls either, so I emailed a second time on XX/XX/XXXX, again same automated message. And again no real response to my emails. So I emailed again for a third time on XX/XX/XXXX and the same thing happened. I have now emailed Digit again today on XX/XX/XXXX, I have emailed a total of four times over the course of two and a half weeks and each time they said they would be contacting me within 48 hours. Im very  frustrated and would just like my money back l. It shouldnt be this hard to contact support.
Complaint sub-issue: Reporting company used your report improperly

i am a consumer by law and my information dealing with two accounts that were posted on my report without my consent. it was brought to the company attention multiple times nothing has been removed.
Complaint sub-issue: Account information incorrect

To Whom It May Concern : I pulled my credit report today and after an analysis, I've found some information that needs to be disputed. I'm not sure how to do this other than to send a letter to you and ask for it to be investigated or for you to look into all of this, because I don't understand why it's reported inaccurately to begin with. Aren't you supposed to ensure its accuracy prior to the information being reported on the actual report? I thought that when a creditor sends their accounts to be reported, you're supposed to check their documentation. At least, this was what I read. 

Please also send me a new credit report reflecting the changes that you've made so that I can make my own determination and compare it to the original. I'd also like to see any paperwork that was furnished by any creditor or agent of any company performing the investigation. 

XXXX  XXXX Delete this account because Date of Last Activity does not show the same on all three credit reports. 
Delete this account because Date Opened does not show the same on all three credit reports. 
Delete this account because High Credit does not show the same on all three credit reports. 
Delete this account because Last Reported does not show the same on all three credit reports. 
Delete this account because Date of Last Payment does not show the same on all three credit reports. 
Stop reporting this due to FCRA non-compliance of inaccurate data being furnished on the consumer report XXXX XXXX  XXXX Delete this account because Date of Last Activity does not show the same on all three credit reports. 
Delete this account because Date Opened does not show the same on all three credit reports. 
Delete this account because High Credit does not show the same on all three credit reports. 
Delete this account because Last Reported does not show the same on all three credit reports. 
Delete this account because Date of Last Payment does not show the same on all three credit reports. 
Stop reporting this due to FCRA non-compliance of inaccurate data being furnished on the consumer report
Complaint sub-issue: Company closed your account

I opened high interest online savings account in XX/XX/2020 in mid XXXX they closed it without reason or given explanation. I'm told that they will mail me a check after 60 days which means XX/XX/XXXX-XX/XX/2020 which is ridicules. This is my hard earned saving XXXX and now I don't even have access to it. Please help.
Complaint sub-issue: Debt was result of identity theft

I am XXXX XXXX and I would like to request you investigate my Discover bank account with account number XXXX. I am a victim of Identity Theft. I am writing to request that you block the following fraudulent information from my credit report
Complaint sub-issue: Problem with personal statement of dispute

There are incorrect late payment on my credit with this company resulting in me not being able to purchase a home that I was already approved for and then went under contract and because of this I can no longer purchase a home and am not without a place to live
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Noticed suspicious activity ( {$9800.00}, excluding international fees, late fees and interest charged by Citi ) on XX/XX/21. The suspicious activity was mostly large fees in XXXX. My wife and I were shocked that fees from so far away from our home were even allowed to be made in the first place. Our kids have cards with other major banks who would never allow such a circumstance without prior notification by them. Period. 

Received notice by mail from Citi XX/XX/21 about the suspicious activity. 

On XX/XX/21, attempted to call Citi again after noticing the issues. Citi sent a letter confirming we no longer dispute the charges, which is unequivocally incorrect. Reopened dispute. 

Received suspicious activity notice XX/XX/21 from Citi. 

Unbeknownst to my family, Citi and/or the fraudulent party opened a Checking Account in our name and {$2500.00} debited from our principal ( only ) checking account. Somehow, another phone number ( not in our area code ) was somehow added to out account. 

Made contact with Citi Identity Theft Department XX/XX/21. Theft dept stated they would investigate. 
Notified XXXX XX/XX/21. 

Completed Affidavit of Fraud, signed, notarized XX/XX/21, specifically identifying the fees not charged by myself. 

Numerous calls and other communications with Citi through this time, in which Citi did not offer solutions, did not treat us with respect while working through this terribly stressful situation ( including apparently muting me on the phone while trying to find a solution ). 

Sent Addendum email to Citi on XX/XX/21 attempting to seek a resolution. 

We have gone back and forth more than the above. Citi has told us that these charges ( and accrued fees, interest, etc. that is not our responsibility ) will be settled in a couple billing cycles. We still have not reached a resolution. 

This has been one of the most troubling and interrupting experiences we have ever had. We feel powerless and that our credit card company is not listening to us, does not have our interests in mind, and is in fact disregarding entirely the impact that has had to our family. They are blocking most or all of our card purchases, which has been just another stressful experience. 

There are more aggrievances than can be written here that we have carefully documented and communicated with Citi. They are not listening, do not care to, and we need help.
Complaint sub-issue: Information belongs to someone else

I have been a victim of identity theft. Please review the FTC attachments.
Complaint sub-issue: Their investigation did not fix an error on your report

I have tried several disputes with the credit bureaus about late payments, and collection accounts on my credit report that is inaccurate or not mines. I have ask them to validate the accounts with written signatures stating that I own the accounts and they have fail to do so. 
The accounts are : XXXX XXXX  XXXX. 
XXXX XXXX XXXX XXXX  XXXX XXXX Credit Card US Bankruptcy which I have never filed Bankruptcy.Filed in XXXX Collection account XXXX XXXX  which is not mine this fraudulent account was open in XXXX. 
XXXX XXXX  XXXX Open in XXXX balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX Open in XXXX XXXX I have made several attempts on getting these account removed and nothing has happened.
Complaint sub-issue: Problem using a debit or ATM card

SOMEONE STOLE, MY PUA OHIO UNEMPLOYMENT BENFITS WITHOUT MY PERMSISSION AND IT HAVE CAUSED ME TO NOT HAVE MY MONEY, THERE WAS AN ACCOUNT TAKEOVER, AND ALSO IT CAUSED ME TO BE IN DEBT TO US BANK. I DID NOT ALLOW THIS PERSON TO DO THIS TRANSACTION AND USE MY ACCOUNT, IT WAS DONE WITHOUT MY KNOWLEDGE AND I DON'T KNOW WHO DID IT.
Complaint sub-issue: Their investigation did not fix an error on your report

I am filing this complaint because I cant help but feel a little cheated here. My credit score has dropped by over 90 points as a result of this collection from ATG credit. This is all stemming from a medical collection that I thought insurance was going to cover. The whole medical billing process is a mess and Im now being severely punished for something I had no fault in. Im trying to purchase a property and Im unable to qualify for the home loan program because my credit score is too low. I paid this collection once I was able to ascertain that it was  valid and that it indeed was my liability. Throughout that process I think its worth mentioning that I kept receiving nothing but conflicting information and this is what ultimately led me to delay the process of making the payment. I already pay quite a bit of money every month for insurance so who would want to pay more without verifying information? 

In addition to this, I was also informed by a supervisor that once the account is paid, that the damage to my credit score will be reversed. This simply isnt true as I have come to find out that the Version of the Credit score that is utilized in Mortgage lending will punish you the same amount regardless if the collection account is paid or unpaid. This is really a travesty, I am unable to fulfill a lifelong dream of purchasing a home over a small medical collection. 

I am asking that they submit a request to remove this account from my credit reports so I can move forward with the purchase of my home.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX, and I am the author of this complaint, there is no one acting on my behalf. This is not a validation of debt request, and no response in that manner is requested, however- if you attempt to, please understand that then I request full disclosure on the method of verification, and sources of such validation, in addition to the disputed items listed below, The Tradeline in question is the XXXX - XXXX, where the following items are incomplete/and or inaccurate. 

1. Date of Last Activity- is Blank, and should not be 2. Date of First Delinquency, is inaccurate and can not be supported by the incomplete Pay History 3. The Payment History is incomplete, and then inaccurately representing this tradelines final state 4. " R '' is never reported in Pay History 5. Comments says Repo, but Payment History does not support this 6. The Date of last Payment is wholly inaccurate 7. The DOFD - FCRA Date - then, is wholly inaccurate 8. Date Closed is BLANK but is required, as per compliance Account says Status Closed - but, payment history and Tradeline data do not support it 9. Charge off amount - is Blank, and can not be when Status - is Charge off - Sold Rules are mandated by Metro2 - XXXX XXXX, Creditor Please resolve the tradeline to be accurate - or delete it. 

Attachments XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX  hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Complaint sub-issue: Reporting company used your report improperly

After extensive research I have become aware that your company is in direct violation of a number of federal and state laws including the FCRA, Fair Debt Collection Practices Act. Your company is in violation of Title 18 U.S. Code 1951, Interference with commerce by threats or XXXX and my XXXX amendment right to privacy. Im seeking immediate relief for the inaccuracies and damages caused by your company. Below is a list of accounts that your company has published WITHOUT my written consent Collections XXXX XXXX XXXX- {$460.00} XXXX XXXX XXXX- {$620.00} Inquiries XXXX XXXX ( Bank ) XX/XX/XXXX 2022
Complaint sub-issue: Reporting company used your report improperly

I am a victim of an old creditor ( XXXX XXXX ) running my credit without my authorization. In addition, when I disputed the claim the banks response was that I gave a verbal approval, based on past relationship. The initial request from XXXX XXXX ( XXXX XXXX ) to refinance my mortgage happened on XX/XX/2020. My response was no, because at the time I had additional obligations that may have prevented me from exploring this. He asked me if I could send him some bank or pay information and I declined to respond. What XXXX did not know is that at the time of the call, a team member from my job was in the room, heard the entire conversation, and the denial of running my credit. On XX/XX/2020, I received a credit alert from my credit profile that a hard inquire from Credit Plus ( XXXX XXXX  ) had been pulled. I immediately emailed XXXX and asked him to explain why this has occurred and my objection to this unauthorized action. He never replied to the email ( see attached ). On XX/XX/2020 I also reached out to a Consumer Law firm to get advice on how this could occur and ask for support in the matter. Several days of no response from XXXX XXXX and then on XX/XX/XXXX, an erratic message from XXXX stating that he knows I wasn't sure, but you were ok with me checking and that a refinance looked good. On XX/XX/XXXX, he called again begging for me to work with him. I never spoke to XXXX anytime other that the call on XX/XX/XXXX or XXXX, which was initiated by him, stating that I am unsure and I would get back to him on what I decide. XX/XX/XXXX, I wrote a dispute statement to Credit Plus to fix this error, as my efforts with the credit bureaus weren't successful. XXXX responded with false claims that I gave verbal approval, as stated earlier. I am truly disappointed about the power merchants have in reviewing and running a consumer profile at leisure. Then to send this fabricated statement back in response is a second violation of my rights. Please assist me in removing this authorized inquiry from my profile.
Complaint sub-issue: Problem making or receiving payments

Online transfer for {$300.00} from spend XXXX PNC to XXXX on XX/XX/20 has not reached the receiving bank for more than 25 days. 
PNC says the transfer has been completed on XX/XX/20 XXXX says they do not have any proof from PNC of the transfer.
Complaint sub-issue: Attempted to collect wrong amount

XXXX XXXX is the name of the company. It is an app that is designed to help people get out of credit card debt. They have marked a late payment on my XXXX credit report two times. The first time I asked them to take it off after making a payment to them of over {$1000.00}. I had some financial difficulties and after paying the large amount asked them to remove it. The second time, was on XX/XX/2022. I had paid what was due on XX/XX/2022. This was NOT a late payment. I asked them to remove it and they said they would not. Both late payments need to be taken off my credit report.
Complaint sub-issue: Information belongs to someone else

i was a victim of identity theft and notified XXXX XXXX  and XXXX. i also attached my police report and identity theft affidavit. XXXX  and XXXX  removed the fraudulent account but XXXX  still haven't removed the accounts.
Complaint sub-issue: Was not notified of investigation status or results

AFTER FILING A COMPLAINT ON XXXX IN REGARDS TO THIS ON GOING ISSUE OF UNKNOWN COLLECTION ACCOUNTS, INQUIRES AND ADDRESSES REPORTING ON MY CREDIT REPORT. I HAVE REQUESTED A REINVESTIGATION AND REQUESTED A DESCRIPTION OF HOW THE INVESTIGATION WAS CONDUCTED ALONG WITH THE NAME, ADDRESS, AND TELEPHONE NUMBER OF ANYONE CONTACTED FOR INFORMATION. THIS WAS SENT ON XXXX. 

I CONTINUE TO SEE INQUIRES ON MY XXXX REPORT THAT I DON'T HAVE AN ACCOUNT WITH NOR DID I AUTHORIZE OR CONSENT THE USE OF MY CREDIT FOR THOSE PURPOSES. IF YOU HAVE A CONTRACT WITH ME & THOSE COMPANIES PLEASE PROVIDE THEM. MOST ARE DUPLICATES. XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX


I ALSO CONTINUE TO SEE COLLECTION ACCOUNT OF WHICH I HAVE YET TO RECEIVE ANY SIGNED CONTRACTES I HAVE WITH THE COMPANY AS WELL AS THE COLLECTION AGENCY SHOWING PROOF THAT I OWE THEM ANY DEBT.

OPENED - XXXX XXXX XXXX - XXXX  OPENED - XXXX XXXX XXXX - EQUIFAX

EMPLOYERS - XXXX XXXX XXXX  - XXXX  
ADDRESSES - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX
XXXX XXXX XXXX - EQUIFAX

I HAVE UPDATED ALL MY CURRENT INFORMATION AND ANY OLD INFROMATION SHOULD BE REMOVED & UPDATED.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX and XXXX still turns me down what do they need a perfect score cra violation for reason and hippa XXXX has XXXX up my report totally this need to be corrected right away
Complaint sub-issue: Reporting company used your report improperly

Equifax has broking the law again the same account has been put back on my credit profile XXXX XXXX ( LATE PAYMENT ). I filed a complaint on XX/XX/2022 and Equifax removed the account now they put it back for some reason. the complaint number is XXXXThey continue to violate the FCRA. Pursuant to 18 usc 8 I own no debt. Equifax violated my consumer right to privacy pursuant to 15 usc 1681b2 Equifax has no permission to report ANYTHING using my information pursuant to 15 usc 1681A. The accounts in question is XXXX XXXX  ( LATE PAYMENT ) Me being the Consumer my rights have been violated and I want that late payment removed immediately.
Complaint sub-issue: Investigation took more than 30 days

I have reviewed a copy of my credit report and I show company XXXX XXXX XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.