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

1. XXXX XXXX XXXX XXXX Account listed not mine information listed inaccurate 2. Bankruptcy reporting Account listed not mine information listed inaccurate- violation of the Fair Credit Reporting Act.
Complaint sub-issue: Debt was paid

I have made continous payments toward my XXXX XXXX account and the agreement was to have these items removed and they were not.
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX  XXXX
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. There are several items listed on my report that do not belong to me. I have tried several times through disputes to have them removed ; yet they are still on my report. XXXX XXXX XXXX remains on XXXX and Equifax report. XXXX remains on XXXX, Equifax and XXXX reports. XXXX XXXX remains on Equifax report. And unauthorized inquiries remains on all three. I have attached my ID Theft form. Please remove these items within four business days as legally obligated under the FCRA. All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).
Complaint sub-issue: Attempted to collect wrong amount

I have an auto loan with XXXX XXXX XXXX.My payments are not behind. When I made the last payment there was no late charges shown on my account. I got my XXXX Statement and the was a late charge of $ XXXX.Surprised today to see that they included the XX/XX/XXXX payment with the current payment for XX/XX/XXXX together. This is illegal to do since XXXX is not here. Then they locked my account and I was unable to do the correct payment on line. 
I need assistance with this company since they are unfair with their credit practices. 

The correct AMOUNT DUE FOR THE MONTH OF XXXX IS {$700.00} SINCE XXXX WAS PAID. 

THE XX/XX/XXXX STATEMENT HAS NOT BEEN DONE!
Complaint sub-issue: Problem making or receiving payments

I opened two accounts online with Citi on XX/XX/21 and initiated bank transfers for XXXX $ and XXXX $ to fund the accounts. On XX/XX/21 Citi 's online banking system did not show the transactions so I called and spoke to two Citi representatives on XX/XX/21. One advised me that the transactions had been rejected, and another advised me that I did not initiate any transfers and that no money would be withdrawn from my initial accounts. Given the conflicting information I was provided, I closed the accounts. On XX/XX/21 Citi withdrew the money from my initial accounts despite being assured that no transactions had been processed and having closed both accounts. On XX/XX/21 I noticed the money had been withdrawn from my initial funding account. I called to understand where my money was currently. Again, I received conflicting information. First, I was told that the transactions had been rejected ( by one rep ) and should be returned to my initial accounts within 4 business days. Then, I was told by different representative that they received my money on the closed accounts and would be mailing a check to refund the money. 

I would expect a banking institution to be able to tell me where exactly my money is and provide consistent answers across representatives.
Complaint sub-issue: Problem with fees

XXXX XXXX under alleged Home Depot Card : XXXX XXXX XXXX XXXX, closed in XX/XX/2019 after merchandise was paid in full received today their account statement with additional fee charges. Several times I authorized my husband XXXX XXXX to represent me and spoke with Home Financial Services. There has not been any willingness to correct the error since months ago. The finances charges were disputed since day one. But greed has persisted on their part. 
Complaint Number XXXX, filed with consumer.ftc.gov is my complaint and attest all the facts that have transpired. Home Depot Credit Services and Home Depot have alleged that they do not have any connection and that the fees are automatic. So they keep harassing me with account statements after fees where disputed from the day that we received their first statement. 
Due to their attitude my husband account with Home Depot XXXX XXXX XXXX XXXX was also requested to be closed.. Home Depot now have alleged to compliant XXXX that they do not recognize me as a previous customer. Dishonesty is evident and they have tried to hide the evidence But they playing with the accounts numbers to say that they have to respect customer privacy, an spurious defense. 
In XX/XX/XXXX per XXXX request, at XXXX received an e-mail where I personally authorized my husband to represent me. 
Our mail address XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX still receiving their mails which they say that do not share with my husband. So again I am authorizing my husband XXXX XXXX ( XXXX ... XXXX ) to receive future financial information and to also indicate what they have already done and haver shared financial information with him orally and in writing. So this is another excuse. 

XXXX XXXX XXXX Signed
Complaint sub-issue: You told them to stop contacting you, but they keep trying

Hope that you can help. 

I am a XXXX with 30 years in the business. 

We have a home equity with Key Bank, for which we continue to get harassing phone calls at two or three days past the due date. Generally I pay at the end of the grace which is five days. 

I sent XXXX a letter, which requested under the fair debt collections act that they send any request via XXXX Mail and do NOT contact by phone. They have previously acknowledged the receipt of the letter. 

I have also verbally requested that they cease and desist. 

I also verbally informed them that they are not in compliance with the law, yet they persist ...
Complaint sub-issue: Their investigation did not fix an error on your report

There is hard inquiries on my credit report twice for the same company, XXXX XXXX XXXX for XX/XX/2018 and XX/XX/2018. When I call the company, they state my credit was only pulled once. When I disputed the second inquiry with Equifax, they did not remove it. I applied for internet service on XX/XX/2018. I authorized my credit to be pulled one time to assure my creditworthiness to XXXX XXXX XXXX for a new account. There would be absolutely no reason for them to pull my credit a second time the very next day. This needs to be corrected immediately. Since I have contact both the company and the credit reporting agency already, I am at a loss as to how to get this error removed.
Complaint sub-issue: Reporting company used your report improperly

XXXX # XXXX NAME : XXXX XXXX XXXX OWED : XXXX 15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish account without my instructions 15 USC 1681 Section 602 A States I have the right to privacy
Complaint sub-issue: Information belongs to someone else

The below information is reporting to my credit, there is a total of 4 accounts that either need updated or removed from my credit report. One account is my car loan, and it is my account but is not reporting the correct payment history, and the other three accounts do not belong to me at all. All details of these accounts are below and the details as to what is being reported to my credit report. 

XXXX : is my car loan, but I have never been late and I want these late ( s ) removed from my credit report. 

XXXX XXXX XXXX XXXX : this account doesn't belong to me, please see all details below XXXX XXXX : this account doesn't belong to me, please see all details below XXXX : this account doesn't belong to me, please see all details below XXXX Opened XX/XX/XXXX Balance {$21000.00} Payment {$520.00} Account # XXXX AUTO, This is my account, but I was never late on my payments, the late are below that they are reporting to my credit all three credit bureau XXXX XX/XX/XXXX Incorrect info XXXX XX/XX/XXXX Incorrect info XXXX XX/XX/XXXX Incorrect Info XXXX XXXX XXXX XXXX   Opened XX/XX/XXXX Balance {$470.00} This account doesnt belong to me Account # XXXX Type of Account Unknown XXXX XXXX Opened XX/XX/XXXX Balance {$2500.00} This account doesnt belong to me Account # XXXX Type of Account Unknown XXXX Opened XX/XX/XXXX Balance {$260.00} This account doesnt belong to me Account # XXXX Type of account CREDIT CREDIT
Complaint sub-issue: You told them to stop contacting you, but they keep trying

Dear Manager, This debt has to first of all be billed properly to our medical insurance company.

Third request!

Stop calling us during the national emergency of covid-19!!
Complaint sub-issue: Account status incorrect

This account was paid in 2021 and the company refuses to remove the degoratory mark on my consumer reports. 

The report shows I currently owe money to your company that I have already repaid.
Complaint sub-issue: Didn't receive enough information to verify debt

A collection popped up on my credit reports about 6 months ago. I didnt know about this debt and when I figured out where it came from I disputed it three times because the debt came from a credit card company that I didnt apply for ( identity theft ). I requested validation of my debt and the original contract, and that was over 60 days ago and havent received any validity of the debt. XXXX keeps saying its validated and I requested a copy of their investigation and it hasnt been sent yet. I dont owe this debt but they are reporting that I am.
Complaint sub-issue: Old information reappears or never goes away

XX/XX/12 - Filed a dispute with XXXX / equifax information reported incorrectly on XXXX XXXX credit accounts and asked for removal off of credit report.
Complaint sub-issue: Didn't receive enough information to verify debt

This agency has a legal responsibility to provide information to verify this debt so as is my right to be furnished, I demand all the original contract, terms and entire payment history as well as the proof of bond agreement and XXXX as well as a letter of assignment on this account from date of opening or it is not in compliance to FCRA XXXX XXXX XXXX XXXX and is to be deleted immediately According to the FDCPA, I have a legal right to cease and desist and I am exercising that right now which also calls for the account to be deleted from the reports as otherwise it is an attempt to collect on the debt and a violation of my legal rights. 
This account is also dated more that XXXX XXXX XXXX and therefore even being on my credit report at this point is a violation that I will be bringing to the attention of the proper authorities as well.
Complaint sub-issue: Other problem getting your report or credit score

I have spoke with several different Equifax employees on XX/XX/XXXX, XXXX for two hours each time on the phone regarding why is my credit score not showing a credit score and no update since XX/XX/XXXX. Then on XX/XX/XXXX I receive a email from Equifax stating that I can review my credit report and score. I contact the lender to see if I was able to be pre-approve. The lender sent me a email saying he has never seen this before there is nothing showing up. But the other two creditors are reporting my scores. So I called back again and was on hold for 30min to see if the problem can be fixed. The representative stated that its nothing he can do and hung up in my face. Equifax is holding me up from getting my pre-approval and I missed out on several home that I no I could have qualify for
Complaint sub-issue: Didn't receive enough information to verify debt

The credit bureau did not respond within 30days. They also reported the accounts was updated and did not provide verification.
Complaint sub-issue: Information belongs to someone else

I have sent several packages certified mail with the following documentation requesting my credit reporting statutes be enforced. 

My credit report I received from your company. The fraudulent items are circled. 
A copy of my Police Report Identity and FTC Affidavit. Proof of my identity and utility bill.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within 4 business days. 

Equifax refuses to block fraudulent items from my credit report. My credit reporting statutes must be enforced if sufficient information is provided under FCRA605b. Also, code 15 USC 1692g states no one can verify an alleged debt but the original creditor which is me ( XXXX XXXX XXXX ). There is also a medical collection on my credit report. or them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Implied consent was never given on my behalf. Therefore, my request is twofold validation of debt and HIPAA authorization. I have asked Equifax to validate the debt and received no response. 
I have attached proof the items were delivered successfully, and XXXX just refuses to support my credit reporting statutes. 

Equifax refusing to remove this information immediately is a violation of the following : Per public law 104-191 Sec 1177 this is a violation per 15 USC 1692e ( 2 ) ( A ) ( iii ), 15 USC 1694f ( 8 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681 ( a ) ( 2 ) ( A ) ( iii ), 15 USC1692 ( k ).
Complaint sub-issue: Their investigation did not fix an error on your report

I sent letters to the Equifax Credit Bureau. The date of the last letter was on XX/XX/XXXX And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX Balance {$15000.00} XXXX XXXX, IN XXXX Balance {$3500.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$2400.00} XX/XX/XXXX 2018
Complaint sub-issue: Account information incorrect

Block and remove the following accounts on the FTC report I attached to this complaint.
Complaint sub-issue: Information belongs to someone else

due to covid i recently obtain a copy of my credit report and noticed accounts that i did not authorize.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX  account name and number 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 ) had 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 : States consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Problem with statement of dispute

I have disputed the same XXXX ( XXXX ) derogatory entries with Equifax XXXX times and I have only received resolution to XXXX of the XXXX disputes. While taking 9 months of submitting the same proof over and over, ( which obviously was correct since Equifax finally removed XXXX of them ), I still have XXXX inaccuracy outstanding. Second, Equifax has breached my privacy by providing my statement and credit information to someone who is a complete stranger to me. Equifax has sent my credit report information to an address that I have never had on file nor lived at in my entire life. They have also attempted to bamboozle me and dupe the public by providing me and other innocent consumers an address for their corporate office for filing a dispute that is not accurate. I have pictures to prove they are handing out a wrong credit dispute address for their XXXX and to prove that they have mailed my personal information to someone else 's address and not any of my last XXXX addresses.
Complaint sub-issue: Information belongs to someone else

This is my XXXX attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} and XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} or XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Complaint sub-issue: Funds not received from closed account

Ive had problems with Citibank since my account was opened. Over the last week. Ive been corresponding with company via Email in which it Completely contradicts some of their previous statements regarding this issue of me receiving my funds. 

These replys from the company state my account was in normal status and I should have been able to get my funds allocated to me ; in the time I needed them. ( as they were my funds. ) But Citibank didnt provide me this opportunity and I verified my identity on every level possible. 

I was treated as if I was scum on a shoe. And now in this reply from Citibank that I attached to this complaint. its stating they closed my account. But opened it to get a deposit but closed it again. But I was trying to get my money from them once I seen my XXXX went to their account. And was denied continuously. I should have gotten at least that part of my money back. As my account was closed and they werent accepting any more deposits. 

So if my account was active during the beginning of XXXX Why was my wire transfers denied out if my account. My XXXX access restricted. Why did they deny me the chance to activate my debit card ; so, I couldnt go to a ATM. Why havent I still gotten my check from my account closing. 

Citibank is gaining interest off my money. As I accumulate XXXX  of not having my funds in a pandemic. Due to this institution denying me because of the color of my skin. But after my account was supposedly closed. They still accepted a XXXX into that account. Even tho I received multiple emails of my account closing. And any deposits into the account would be returned. But they kept a XXXX. This bank is refusing to give me my funds. And I want this complaint to be public record with all images applied for future references to this matter. 

But the bank has yet to release my funds!!!! 


But I was bamboozled into opening my account. I had it for 3 days. The same day I switched my direct deposit. I had my email on my account status the next day. 

Ive been contacting this bank religiously trying to get my funds. Its all recorded how they treated me. I went to the branch and was denied. They told me my account had a block and they cant get it off. The banking official said they can do it on the phone. I explained the Fraud department said they couldnt either but I can visit a branch and you could allocate them and I was shoed outta their bank. 

They are playing with me. Opening and closing my account as they please and denying me my money ; Still!!!! This has been going on since XXXX. Im begging you to please help me.