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

on XX/XX/2021 addresses has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting incorrect is XXXX XXXX XXXX XXXX  XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX these addresses are undeliverable by the US Postal Service AND SHOULD BE DELETED/REMOVED IMMEDIATLEY to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of addresses that are reporting are not deliverable by us postal service and has not been approved by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it. 
XXXX AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt
Complaint sub-issue: Deposits and withdrawals

XXXX I made my deposit into Citibank atm like I do every Friday. Their machine had an issue and couldn't do anything with my check and kept it. I called number they said take 45 days to fix ... .this voliates the 7-9 days max a bank can hold my funds ... .there fault for faulty arm machine. I want to see legal actions as now my rent will be late, my phone bill, my electric bill ... they bank should be responsible for their faulty issues
Complaint sub-issue: Account information incorrect

After chapter  XXXX  completion my credit report is full of spiteful errors from creditors. Please review the following documents. I recently completed my chapter  XXXX  and all creditors should be listed correctly with a zero balance.  Review  carefully and follow the law.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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 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: Fees charged for closing account

After attempting the close an account with Comerica Bank 5 years ago, the company kept the account open and did not transfer the funds as requested. Instead they deducted XXXX $ a month for 5 years without notification till they overdrew the account. 

Once notified of the overdraw, they demanded that we wire money to make the account whole before they would close it. We acquiesced and sent money to close the account, however the bank then charged a wire transfer fee and again refused to close the account till we paid even more money to close the account. 

This has been a complete scam and waste of our time and money.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I did not authorize nor did I benefit from the below listed inquiries. Whoever authorized these companies to access my consumer report and place these hard inquiries is in violation. I am reporting them, and I want them blocked and removed from my consumer report. 

XXXX  XXXX XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX  - XX/XX/2022 XXXX XXXX XXXX  - XX/XX/2022 2022
Complaint sub-issue: Information belongs to someone else

Well, I believe happened a big mistake and I became a real victim of identity theft. I kindly ask you to help me because of I do not recognize these accounts. I am requesting that you delete information off from my credit report because I am not connected to any of those accounts like absolutely. These accounts are definitely not mine. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions.
Complaint sub-issue: Information is missing that should be on the 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 XXXX ( A ). It is not permissible to fail to validate these reporting account 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 correct XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Complaint sub-issue: Account terms

I had tax lien on my report, and it has been taken care of, have a release form and also the court has in on file. I want to know where do I mail it to? so it can be clear from my credit report, I can not find any phone number or address on website.
Complaint sub-issue: Information belongs to someone else

VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX XXXX AND EXXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX XXXX  AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

While reviewing my credit report, I saw multiple unauthorized credit inquiries displaying that I have no recognition or knowledge of. I made numerous means of contact via writing and by phone to all companies requesting to them to investigate the unauthorized inquiries and for them to contact the 3 Credit Bureaus to have them permanently delete/remove these inaccuracies from my credit report. I was informed over the phone that they have no way of getting those unauthorized inquiries deleted and for me to make direct contact to the credit bureaus to start the disputing process. Many of these companies, initially gave an issue with verifying any of my information because they wouldnt accept the given information found on my credit report, they wanted my full/ last four digits of my Social Security Number which I refused to provide due to my rights under the FCRA laws. I contacted Equifax several times by via phone and mail requesting for these unauthorized inquires to be removed from my credit report because either them or any of these companies listed were unable to provide me with any signed statements or contracts to indicate the origin of this collection debt/inquiry, to resolve this matter, since I have never had any dealings at any of these companies at the date of these unauthorized inquiries. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a consumers credit report without a " permissible purpose, '' so performing a " hard inquiry '' on my credit file ( s ) without my permission is a willful violation of the law. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Also, I will like to have a new copy of my credit report to reflect these changes/ removal of the unauthorized inquiries. Here are the unauthorized inquiries that needs to be removed/deleted from my credit report : XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, and XXXX XXXX on XX/XX/XXXX.
Complaint sub-issue: Account information incorrect

File number : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Request to remove inaccurate information Dear, Equifax Information Services LLC Company Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/2020 Account Type : REVOLVING Reason for Dispute : Last Payment date/Closed Date Incorrect/Current/Previous Payment Status Incorrect. This account has the wrong information, I would like this account removed from my credit file. 
The balances are way too high, I never spent that much on that account. 
This is a prepaid card, this is not a credit card, I would like this removed from my credit file of Equifax. I do not spend off of this account, this needs to be deleted immediately.
Complaint sub-issue: Information belongs to someone else

fcra not mine : XXXX XXXX - Closed 2 late payments Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XXXX XXXX XXXX  Account type Secured Loan
Complaint sub-issue: Account terms and changes

I have credit monitoring service with Equifax. Today I called to lock my credit reporting down as I received a notice from the IRS that my SSN has been breached. When I called, my call was picked up in XXXX XXXX. Equifax has an offshoring contract with a company in XXXX XXXX taking SSN, mother 's maiden name, address, and phone number with access to my credit file. This is in direct violation of the FCRA. When speaking with the representative, I also found they had a number on file that was not my phone number and refused to tell me where that information came from. Getting intouch with anyone in the US that works at Equifax is virtually impossible. As victim of identiy theft in the last year, the questions Equifax asks for verification are the same questions my hackers had. Anyone can call in and pretend they 're me. I know this, because this happend in the breach that promted me to pay for the extra protection.There is no additional security provied for the {$20.00} a month I must pay. 
The entire practice of Equifax and their credit monitoring must be looked into. The IRS, XXXX and others encourge this service that adds to up a great deal of money up for Exquifax, and money the consumer is FORCED to pay because there is no other option. But my information is not secure. It is offshore and without my permission!
Complaint sub-issue: Can't close your account

It appears that Discover card employees have retaliated once again due to my past CFPB complaints and have refused to close and purge my Discover account. On XX/XX/18 XXXX XXXX  I called to cancel my Discover after never resolving issues on my account and getting incompetent lip service from corporate employees. XX/XX/18 XXXX XXXX XXXX in XXXX claimed my account was closed and was clueless when the account would be purged. I finally dig deeper and found that Discover employees had entered incorrect information into my account to further delay closing the account and perhaps damage my credit rating. Here '' s what is entered on my account center : " You've previously initiated a credit bureau fraud alert on this account. If you'd like to make an update to your account, '' Let us make sure we all understand the English language fully and clearly ... I wanted my card cancelled and my account closed. Discover employees refused!!!!!!!!!!!!!!!!! I can only conclude that this is Discover Card 's way of retaliating for my prior CFPB complaints.
Complaint sub-issue: Account information incorrect

The following account is reporting INACCURATELY. 

XXXX XXXXXXXX XXXX Account Number : XXXX This account should not be considered late for 90 days 55 times. This account has been charged off since XX/XX/2014 yet is still reporting late. Please prove that this account was in fact able due for a payment on those dates after and prove that the owner of the account had legal right to collect payments for those alleged late dates or REMOVE THE ACCOUNT FROM MY REPORT. 

This account was also removed from XXXX I have requested paperwork proving the accuracy according to section 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are reporting incorrectly that I am 60 days past due on XXXX - partial account number XXXX. ( Please see page 4 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Complaint sub-issue: Not given enough info to verify debt

This letter is being sent to you in response to the above reference account that Alpine Credit INC. has reported and listed on all three major credit reporting agencies ( XXXX, XXXX, and XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and Validation is requested. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " Validation '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any documents that show I agreed to pay what you say I owe ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; Provide me with your license numbers and Registered AgentAt this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) this action might constitute Fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against Alpine Credit INC. for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of characterIf Alpine credit INC. is able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days investigating this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.
Complaint sub-issue: Account information incorrect

I previously filed a complaint XXXX which was resolved to my satisfaction by XXXX 's XXXX XXXX. The resolution involved updating the 3 Credit Reporting Agencies with accurate information regarding XXXX tradelines. After correctly reporting these to all 3 bureaus, XXXX reverted to the prior incorrect reporting with Equifax and XXXX. XXXX remains accurate. I left phone messages with the person who previously handled the complaint, with no returned calls. Therefore, I am re-filing this complaint. Under the FCRA, XXXX  has exhausted the 30 day period to correctly post the tradelines and I am requesting deletion of both accounts pursuant to 15 U.S.C. 1681 ( a ) ( 1 ).
Complaint sub-issue: Credit inquiries on your report that you don't recognize

WENT TO DEALER TO ATTEMPT PURCHASE OF VEHICLE REPORTED THAT XXXX WAS ONE CREDIT COMPANY PULLING MY REPORT I RECEIVED MULTIPLE UNAUTHORIZED INQUIRES ON MY REPORTS SINCE 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: Their investigation did not fix an error on your report

My XXXX XXXX credit card is reporting as an adverse account on all 3 credit reports. This account was never paid late back in XX/XX/XXXX. I have rectified this with XXXX XXXX  over the phone over a year ago. Now this account shows as account this is paying as agreed and current. I have been requesting and disputing this information to please be corrected. It should be reporting under accounts that are satisfactory. Instead its reporting as paid as agreed and current but listed on my report as account that is potentially negative and will go to a positive in the year XX/XX/XXXX. This is ridiculous. And having it report under the wrong category is affecting my credit score. I am mailing out a letter to XXXX XXXX again today. It is also reporting twice on my report now instead of once. It should not be reporting twice. Its looking like I have 2 negative when its the same account. I am also complaining about the XXXX XXXX XXXX account that has been deleted off my equifax report because it was confirmed to be deleted however XXXX is still not removing it. And XXXXXXXX XXXX XXXX XXXX  also was to be deleted but is still reporting.
Complaint sub-issue: Transaction was not authorized

I had some money stolen from my account on XX/XX/2XXXX XXXX XXXX XXXX  I file a disputed because I did not know the money was credited back to my account until cash app brought it to my attention and cash denied my dispute saying I authorized the transaction so I been requesting documents asking to show I authorize this transaction where cash app refuse to send me documents I had some information stolen from me that was in my phone pouch my cash app card my debit card my house key my driver license and also I have an email where my pin was change where somebody use my device to change my pin while I was sleeping over a friend house
Complaint sub-issue: Public record information inaccurate

My Equifax credit report is showing to creditors that I have a bankruptcy on my report. This bankruptcy was valid but had reached the 10 year limit in XXXX of 2019. The credit report no longer shows the bankruptcy under the Public Records section for me to dispute, but is still showing up in the main screen, still affecting my ability to get credit, and still affecting my credit score when it should have been cleared and removed 9 months ago. There was no way to dispute this on the website, I called 3 times to question it, 2 of them I asked for a call back and when they did I just got a recording showing they could not connect the call. The third time I waited on the phone for over 3 hours ( I checked the call timer ) with nobody answering.
Complaint sub-issue: Card opened as result of identity theft or fraud

I have to ask Discover to send proof of the account being opening by me and it's now 90 days all they will send is a letter full of accusation and a signed application or electronica application with IP address information. This is a violation of the Fair Debt Collection Practice Act. I am asking for proof of debt no a statement or letter of accusation. I am will take an Affidavit sworn by Discover that this account is mind.
Complaint sub-issue: Account status incorrect

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report 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, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX/XXXX  Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX/XXXX  XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX/XXXX