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

I have a loan with XXXX XXXX XXXX XXXX. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all three ( XXXX ) credit reporting agencies & they too are withholding any verifiable proof, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or update the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I believe their records are wrong & Id like this matter handled ASAP. Please update to paid as agreed/never late. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/2021 Balance : Balance : {$17000.00}.
Complaint sub-issue: Information belongs to someone else

My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX, # XXXX and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I need you to remove the following fraudulent accounts off my Credit file : XXXX XXXX XXXX XXXX XXXX Balance : - XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$9400.00} XXXX XXXX  XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Balance : {$8500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$580.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}. UNder the FCRA section 605b, you are required by law to remove these accounts off my Credit file since these accounts resulted due to my identity being stolen.
Complaint sub-issue: Reporting company used your report improperly

The Credit Bureaus never did a proper investigation '' according to the FCRA The term " investigative consumer report means a consumer report or portion thereot in which intormation on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this Also, they have violated my rights even more. 

In accordance with the XXXX XXXX XXXX Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible it the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal. 

They also violated the law because according to 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.

I did not give anybody written instructions.
Complaint sub-issue: Deposits and withdrawals

XX/XX/21 Opened Citi Accelerate Savings account online and funded account via ACH transfer from my external personal checking account. 

XX/XX/21 Initiated a wire transfer online as Citi to send of the funds back to my originating external checking account, to eventually be transferred to my brokerage account. The wire was placed on hold, and never processed. 

XX/XX/21 Received an email from Citi wire transfers, requesting I call them for verification. 

XX/XX/21 Called Citi to verify wire. Representative told to call back XX/XX/21. 

XX/XX/21 Called Citi ( XXXX ) as requested, verified my identity as requested, and I was told account is under internal review which takes up to 48 business hours to complete. 

XX/XX/21 Called Citi ( XXXX ) for an update, and they told me they sent an email to internal fraud requesting update. 

XX/XX/21 Called Citi ( XXXX ) for an update, and they said they would send an email to their supervisor to expedite the issue. 

XX/XX/21 Account is still locked, with no access to funds. Cant use ATM card, or initiate an external transfer. 

When looking at complaints about Citi on XXXX, I see that this is a common complaint about Citi. Canned responses from customer service, and deadlines for responses not being met, locking people out of their accounts, with no recourse.
Complaint sub-issue: Account status incorrect

I had an account that was closed in XXXX of 2014 but they have put late pays on my report after the account was closed. I have tried to get the late payments removed by disputing the accuracy with the credit bureaus but haven't had success.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2020 went to dealership to purchase a vehicle Dealership had me fill out application .They check my credit and told me I needed someone else to add to application. I did not want to add anyone else I stressed this to them and told them I would try somewhere else later.I left.The next morning XX/XX/2020 they called me and said I could come pick up vehicle and I didn't need anyone else on application. I went and signed paper work and got vehicle. I recently checked my credit report and seen I had 3 hard inquires on the same day XX/XX/XXXX XXXX knew of dealership checking my credit didn't know of the other 2 hard inquires put on my credit report that same day.I think dealership should take hard inquires off my credit report also because the next day they called me to come pick up the vehicle
Complaint sub-issue: Old information reappears or never goes away

XXXX XXXX XXXX XXXX LATE PAYMENT Balance details Balance on XX/XX/XXXX - Original loan amount {$500.00} Account info Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Unsecured Loan The bank continues to add this report back to my credit file over and over, which continues to bring my score down!
Complaint sub-issue: Problem with personal statement of dispute

Equifax Credit Agency committing intentional identity fraud without thoroughly investigating. I received a XXXX XXXX Notice for someone who is not me and is using my information for a personal unsecured loan that I closed and paid in full without no late payments. The fraudster 's name is XXXX XXXX XXXX, phone # XXXX. I do not know this person at all. This lady is fraudulently claiming and using my U.S. XXXX XXXX that I am paying for on a monthly basis and I have proven documents to show that the XXXX XXXX belongs to me- XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX is a fraudster who is trying to steal my identity behind the scenes claiming that my XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX belongs to her. Equifax did not thoroughly conduct an investigation and have listed my XXXX XXXX information on the above fraudster 's Equifax profile. I am going to file charges against XXXX XXXX XXXX XXXX and the bureau for intentionally allowing this thief to use my XXXX XXXX information without getting legitimate proof. I would like to file a complaint against Equifax. I have a monthly subscription with Equifax to prevent this issue from happening with XXXX XXXX. I am very upset!
Complaint sub-issue: Debt was result of identity theft

AFNI INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : The Office of Registered Agent for AFNI INC From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that give you rights to collect in my state.

You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity theft. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation for Monetary damages.

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. If you lack understanding of this paperwork, forward to your ATTORNEY. By : XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have called three times nothing been done but let it sit on my credit its only hard inquiry and soft that I didnt authorize. XXXX XXXX XXXX XX/XX/XXXX USBank XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXXXX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017
Complaint sub-issue: Their investigation did not fix an error on your report

In spring XXXX, I began contacting XXXX to learn more about the pros/cons of requesting a forbearance. When I decided it was right for me, I requested to put the forbearance in place. At the time, I had auto pay setup also to ensure that my payments were not late. XXXX either switched auto-pay systems or upgraded, I do not recall. I do recall inquiring about it with a customer service rep that informed me that my details would transfer over, no need to worry. Months later, I recall receiving mailings and calls offering student loan payment assistance. However, every time I called XXXX, the customer service rep would tell me that my balance was XXXX. I received another round of calls/mailings offering assistance, called XXXX " balance XXXX ''. Several times, I did this. I suspected that the calls/mailings were some type of identity theft issue, like the kind XXXX XXXX and XXXX XXXX XXXX previously contacted me about in relation to my cards with those respective companies. By the time we got to the point where I was told the customer service reps were 'looking at the wrong screen ', damage to my credit had already been reported ; however, XXXX sent me an approval letter for my forbearance request covering the exact timeframe they reported adverse payment details to the credit bureaus. <P/>I was so exhausted dealing with XXXX, and in disbelief that they would not correct/reverse the erroneous report { to the credit bureaus }, I did not know what to do. I did not know who to contact for help, how to get help, or if anything could be done. Until I looked into the CFPB last year. I thought too much time had passed to fix it, although it bothers me that this is the only blemish on my credit. All other 19 accounts, of various types, over 20+ years no late payments! Please help me fix this error. Over XXXX XXXX  I was clearing out a box of documents to shred and came across the forbearance approval letter from XXXX. Once again, I am hoping to correct this error to ensure that my credit score is updated to accurately reflect my character and to demonstrate the seriousness and responsibility I apply to paying all of my obligations on time and in full.
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$500.00}
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2022 I sent a letter to Equifax asking them to look into inaccurate information that I found on my consumer report. There has been no response and no updates that these accounts are in dispute, it has been over 60 days since and still no response. My information was compromised because of the Equifax data breach and I want these accounts deleted immediately as they have cause me great stress.
Complaint sub-issue: Information is not mine

the XXXX items are not minds, they was opens in a name that is similar to minds and when I looked at my credit report I saw them was on it, XXXX have tried a lot of time to get the credit companies to remove them but they keep coming back seeing they are minds ... and I keep asking how did they verifty the items are minds
Complaint sub-issue: Their investigation did not fix an error on your report

I do not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? there is no full account number, how is this listed with no account number? whe was last activity of the acount? if this was charged off then there needs to be a cancellation of debt 1099, you can not collect on debt that has been charged off i need accurate data points NOT REPORTING ACCURATELY ACROSS ALL BUREAUS please remove I have been sick with XXXX for a year and alot of abuse was done to my credit15 U.S. Code 1681i - Procedure in case of disputed accuracy 15usc i1681i XXXX XXXX ( Installment ) Accounts - negative accounts - Summary XXXX XXXX XXXX Last Updated XXXX, XXXX Payment Status Charged off as bad debt Worst Delinquency None Reported Balance {$120.00} Credit Limit XXXX XXXX XXXX Closed Date XXXX XXXX XXXX XXXX Open Date XXXX, XXXX Last Activity XXXX, XXXX Terms Scheduled Payment High Balance {$1400.00} Loan Type Unknown Responsibility Individual Account Company Name XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Comments Unpaid balance charged off
Complaint sub-issue: Threatened or suggested your credit would be damaged

On XXXX XXXX I received a response from pro collect that they would settle for XXXX instead of XXXX. Which I was thankful for that. But I called and reached out to Mrs. XXXX as it stated to in the response, reaching her was difficult I called on multiple days and none of the representative would transfer me to her.. so I submitted a complaint on here again and left a number and Mrs. XXXX called and we talked bout resolving the balance. I told her that I couldnt pay the balance of XXXX in full because I was out of work due to covid 19 and she gave me until Friday to email her on what I could do regarding balance. I emailed her letting her know I still wouldnt be able to pay balance in full. I never received a reply back to the email nor a call. I have been calling still trying to resolve the matter and nothing. I am being told I would need to speak with mr. XXXX which I will not do because he is very rude and unprofessional. I just want to settle and get debt resolved.. this debt is stopping me for being approved for a place to stay ... all Im asking for is some compassion and understanding.
Complaint sub-issue: Reporting company used your report improperly

I took a look at my consumer report recently and I was extremely puzzled which caused anxiety upon me. In accordance with the Fair Credit Reporting Act XXXX, XXXX and EQUIFAX has violated my rights.

-15 USC 1681 ( a ) ( 4 ) : states that I have a right to privacy as a federally protected consumer.

-15 USC 1681b ( 2 ) : states that a consumer reporting agency can not furnish an account without my written consent or oral instruction.

-15 USC 1681 ( a ) ( 3 ) : it is an obligation not an option, that any consumer reporting agency exercise their grave responsibility with fairness, impartiality and respect for my right to privacy 15 USC 1681 ( b ) my consumer report is not equitable to me because of the unlawful negatively furnished accounts. 

Here are the errors as follows : 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 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 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 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 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: Problem cancelling or closing account

After subscribing for some time to Equifax monitoring, I decided that the service was simply too expensive to continue. After logging in, and searching ENDLESSLY for a cancellation feature, I FINALLY found it by doing a website search. In order to cancel your account, you MUST call Equifax ... what a HASSLE!!! OK I called Equifax ... .navigated a confusing number of options on who to call. Called but was told I needed to go to another option, dialed back wasting more of my valuable time. I then waited on HOLD listening to bad music for nearly 15 minutes!!!!! After finally talking to the operator, they asked me all sorts of questions, in fact it was my feeling that they were trying to find a question that you may not remember from the sign up process ... ..totally needless in my opinion and unnecessarily simply to cancel an account. When I could not remember one of the numerous questions I thought they were not going to allow me to cancel. Luckily I had the name of my fictitious pet name written down!!! Then they started to ask me all sorts of never ending questions of why I wanted to cancel ... ..THEN ... they started to try to sell me on staying or subscribing to another product and telling me all of the negatives why I should not cancel. Finally I lost my patience and demanded that they just cancel the service. I felt bad for this person who is obviously trying to do their job, but this was just too much. 
Is it not bad enough that we the consumer MUST PAY to monitor ERRORS that they collect on our files? For the high cost that I must pay, there should be at least an EASY WAY to cancel your service. 
I believe that cancelling an account you are paying for should be EASILY ACCESSIBLE without going through their labyrinth to discourage people from actually completing the cancellation. 
I guarantee you that many people would have given up putting this off to another day, and that I believe is the intent of this ridiculous process.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX {$520.00} In XXXX I had previously informed the bureau that this account was unknown and the account was opened in direct result of identity theft which occurred from the loss of my identification in XXXX. The reply I received from this credit bureau was that this account was verified which is contradicting the statement received from the creditor who has confirmed in writing that the account was found to be opened fraudulently and that they have contacted both Equifax ; XXXX and XXXX XXXX to remove the account but the account is still being reported and is causing extreme hardship. I had requested that the file be removed on numerous occasions and XXXX XXXX but this reporting bureau has failed to remove it and for this reason I quest the assistance of the CFPB.