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

*******see attachments for detail supporting******* Dear Manager at the Credit Bureau ; Im a little shocked today! Can you help? Btw, happy XXXX XXXX! 

I just refreshed my credit report once again and honestly, I was shocked and surprised that these 3 negative accounts are still reporting on my credit report. I dont understand how is it possible that you actually stated that you VERIFIED this account as ACCURATE. As you can see the screenshots below, and Ive circled the inconsistencies, misleading and incomplete info on the way its reporting. Its my understanding that you must conduct a reasonable and thorough investigation not the computerized 2-digits number through e-oscar. I can not accept pre-printed template results, and this shows that youre NOT in compliant with the consumer laws. Saying that you verified, is a binding & legal contract that I can hold you against. I can promise you that its impossible that you verified these accounts below on the screenshots because they are reporting 3 different dates of LAST ACTIVE, LAST PAYMENT, LAST REPORTED, OPENED DATES, inconsistencies with payment history and payment status, etc. Its impossible and this is in violation of FCRA! Even the High Balance and actual balance is questionable! Also, wasnt both XXXX, XXXX, and XXXX sued before for not compliant with FCRA by FTC and Cfpb? Especially XXXX, for not applying for the payment currently into the consumers account? Im sure they were sued and forced to pay the consumers and removing the derogatory remarks!!!!
Complaint sub-issue: Their investigation did not fix an error on your report

I have the right to a fair credit report that is 100 % accurate and the information being report must be correct. 
In accordance with the Fair Credit Reporting act XXXX the following company has violated my rights. 

Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX FCRA Section 611 ( 15 U.S.C. 1681I ) states inaccurate and non-validated information MUST be deleted from the consumers file in accordance with paragraph ( 5 ) ( A ). 

I come to CFPD as a last resort for help addressing this on going grossly negligent matter. I wrote to the original creditor and all 3 bureaus disputing the accuracy of the improper accounts mentioned above, that is negatively affecting my credit accounts. The accounts are being reported in error. XXXX XXXX XXXX made an mistake in reporting the account. 

The company and all 3 bureaus named in my complaint claim an investigation verified the debt. Which only matched my name with the accounts above. My dispute is simple. i accept that i was late with my payments and became delinquent due to financial hardship from the effects of XXXX aftermath. However XXXX XXXX XXXX emailed me and stated that should i make a payment they would not charge off my account. I made that payment for more than the asking minimum. Then later paid the accounts off in full. I was under the impression the payment would stop my accounts from being charged off. I only discovered the charge-off when i was denied a personal loan. The credit bureaus had the accounts i paid reported as charge off unpaid. After my 3rd dispute the bureaus adjusted the reporting to paid charge off. My complaint is the original creditor misrepresented the facts to the bureaus and continue to provide a false statement. Which the bureaus continue to report inaccurate information. 

The response i received to my complaints from the reporting agencies was to only update the account as " disputed ''. Instead of deleting the inaccurate information. Not once did anyone provide me with anything that proves their claim. To my understanding creditors must provide proof of claim. Nothing provided to me shows the full payments i PAID were not received ( such as a returned check etc ) and therefore the companies would have proved they were not paid and i indeed owe the debt being reported. 

I have included evidence to support my claim. I also included an email that was repeatedly sent to me in error for a person named XXXX XXXX XXXX, an attempt to collect a debt she owed. In spite of me informing the collection company they are sending her collection emails to my personal email account and to correct their records. However they continued to harass me sending multiple emails for the wrong person. I understand errors happen and mistakes can be made, but when errors defamate my credit worthiness, i demand they promptly be corrected. I will continue to dispute this improper reporting until it is deleted.
Complaint sub-issue: Personal information incorrect

My name is XXXX XXXX my SS # XXXX my DOB id XX/XX/XXXX I have found several addresses on my credit file that are not mind, I have only one address that is XXXX XXXX XXXX , XXXX GA XXXX. I have had issues in the past with my ID being compromised do to fraudulent addresses appearing on my files. Please remove/delete the following addresses : XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX , XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX
Complaint sub-issue: Information belongs to someone else

To : Consumer Financial Protection Bureau, Equifax is continuously noncompliance of the Federal Law, and keep violating my rights as consumer of this Federal Corporation. As the XXXX XXXX XXXX please I request you to stop them with their misinterpretation of my consumer report. Thank you
Complaint sub-issue: Information is not mine

I applied for a XXXX credit card they sent me a letter in the mail saying that Equifax was the one who gave them the credit information. So I went to the Equifax website, It said I took out a mortgage loan in XX/XX/XXXX ( I have n't ever owned a house! ) It said I had a retail card in XX/XX/XXXX it listed places I do not shop at, which I have not ever seen and a bank card? I do n't even have a bank account. I need to know who is doing this stuff and why they are doing it me! I could n't believe what I 've seen on here!! I want to know where this all took place what addresses are they coming from? Because I will take them to court they will get locked up. This is n't fair I 've always avoided using these things because I want to keep my credit clean now that I want to use my credit I ca n't this is unreal!!! I 've always used cash for everything. XXXX!! I called Equifax @ the end it hung up on me when I asked it to repeat the confirmation number and was " supposedly '' referring me to someone I could speak too. I want all the addresses and I.D . 's looked @ the names of the people who took this mortgage in, the names and the addresses of the people who had the retail and the bank card because this is some XXXX. oh and my " free report '' was not available online. -how convenient.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I have had 3 instances of large purchases being made on my Home Depot credit card. I have disputed the fraudulent purchases with the credit card company. On Friday, XX/XX/XXXX I received a letter saying that I was found to be liable for one of the fraudulent purchases. 

The purchase date was XX/XX/XXXX, in the amount of {$6100.00}. It was an in-store purchase at a store I've never been to. The card transaction says " XXXX '' and I think it's a store in XXXX XXXX. I disputed the transaction and the security investigation found that I am liable for the charges. 

There have been multiple large in-store purchases. I believer that there is someone, probably a store employee, that has stolen my information and is using it to make these purchases. 

The second issue that I'm having is that every time I've called to dispute one of these transaction, I ask that the card be shut down so that no more purchases can be made on it. I don't know if there is someone else asking that the card be re-issued or if they are just not honoring my request, but the card has remained active even after I have asked multiple times that it be closed. I have been of the understanding that the card has been closed and I don't find out otherwise until another fraudulent purchase has been made.
Complaint sub-issue: Reporting company used your report improperly

accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Charged too much interest

I believed I paid my balance in full on my Citi card in early 2020. I then received a letter in XX/XX/2020 stating I had past due interest and fees, which they said rolled over after I paid in full. I paid {$190.00} on XXXX which citi customer service ensured me was the final, final bill and covered all interest and fees owed. I now received another letter dated XX/XX/2020 stating I owe more interest. I called and they said I owe {$1.00} which they can not write off nor reverse. I spend a lengthy amount of time on the phone speaking with two different associates which Im sure cost citi more than {$1.00}. I want them to XXXX  out the account once and for all. I would close the card but Im afraid it would adversely effect my credit score. Can you help remedy this situation?
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX, I placed an order for a {$100.00} e-gift card on my XXXX 's account. At that time, my account was flagged for fraud. I called XXXX XXXX Fraud Prevention department and they cleared my account and tried to replace the order for me. However, after several attempts they were unable to do so but the charge of {$100.00} still shows against my account. I have called everyday ( sometimes more than once ) to try to clear this up, but no one at XXXX XXXX is willing to help. I just keep getting transferred to different departments.
Complaint sub-issue: Debt was paid

I used to have XXXX.. I wanted to switch to XXXX due to them having better service and them being able to buy me out of my contract ( XXXX ) .. Everything was paid and NOTHING was owed WHATSOEVER! I get a letter in 2017 from a company called " XXXX '' asking me for 73 dollars and some cents ; I don't remember the exact amount, but they were shaking me down for money from XXXX, I called XXXX customer service and asked them what was going on and asked them if i had owed anything and if I was on ANY bad terms with them ; they replied no and that everything looked green on there end.. I have disputed this XXXX " debt '' for a long time asking for validation and proof, and I AM getting no where with my letters I have been sending to XXXX/XXXX/XXXX! Please help! I refuse to pay something I don't owe, and if i were to owe something, how come I cant get SOLID PROOF?
Complaint sub-issue: Credit inquiries on your report that you don't recognize

These all need to be verified for accuracy. This is the companys job to investigate their validity. My information was breached by several companies and these are not my inquiries. They need verified and if not verified, they need removed
Complaint sub-issue: Information belongs to someone else

LOST MY INFORMATION MONTHS AGO. 
I HAVENT HEARD BACK FROM ANYONE.
Complaint sub-issue: Problem during payment process

XXXX has been non-compliant with removing the unverified account SEARS/CBNA which has been deleted by XXXX and TXXXX. XXXX   and XXXX  have both completed their research and determined that SEARS/CBNA was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Complaint sub-issue: Their investigation did not fix an error on your report

I HAD 2 COLLECTIONS ON MY CREDIT REPORTS AND TRIED 4 TIMES TO GET THE ITEMS REMOVED FROM EQUIFAX BUT EXQUIFAX REFUSES TO REMOVE THE ITEMS. TXXXX AND XXXX REMOVED THE ITEMS ON MY FIRST ATTEMPT WRITING TO THEM. 
EQUIFAX REFUSES TO REMOVE THE ITEMS I DEMANDED TO RECEIVE VERIFABLE PROOF 4 TIMES FROM EQUIFAX BUT EQUIFAX REFUSES TO COMPLY WITH FEDERAL LAW. ALL EQUIFAX SAYS IS THAT IT WAS VERIFIED. THE TWO ITEM I WANTED REMOVED WAS XXXX XXXX THAT WAS REPORTING A BILL FROM XXXX XXXX FOR XXXX DOLLARS. THE SECOND ITEM WAS FROM XXXX XXXX XXXX REPORTING A BILL FROM XXXX XXXX FOR XXXX DOLLARS.
Complaint sub-issue: Debt is not yours

HI EOS CCA ; This account is reporting against provisions of fcra, and it continues to report incomplete and misleading information and therefore, its an unverifiable account. I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Complaint sub-issue: Sued w/o proper notification of suit

Aqua finance, XXXX and there investment banks are harassing my family again. The harassment had lessened for a while but recently on XXXX/XXXX/15 Monday the harassment started up again! These companies are being protected that 's why it 's so hard to bring them to justice. It 's a lot of money being passed around. Monday 's date has a major significance to our harassment case and for those families that have been victimized by these companies. I think your office knows what we are referring to, nobody is above the law and we 're glad our U.S. Government is cracking down on these crooked companies and politicians! Back to the harassment on XXXX/XXXX/15 in the back parking lot of XXXX XXXX on XXXX 1 of there stooges was literally stalking me his plate number is XXXX XXXX. While I was waiting to p/u my client he pulled up next to me and just watched me clearly trying provoke me. When I left for a minute, he left too and when I came back so did he. The only difference was he parked right behind me. When I started to back up to leave and p/u my client, there stooge backed up extremely fast at the same time clearly tried to wreck our car. If had succeeded I would not have been able to work! That was obviously there plan and they have been committing these types of harassment tactics ever since. These companies conducted these types of felony harassment tactics a few yrs ago and we relayed these acts to the Texas attorney generals office in our complaint letters. On today Thursday XXXX/XXXX/15 I was trying to type up a new complaint update and print it out to be mailed to your office and literally watched my email get deleted right before my eyes. All our complaints have been deleted and that 's why I 'm trying to go through your site again. The last XXXX times that I tried to submit a complaint through your site, I typed up a full complaint and got all the way to the end only to have my complaint blocked! We will not abandon our home and will not be forced to abandon our home. We will protect ourselves by any and all means! If and when our case goes to court, we will get all forms of media involved and that includes everybody that will listen! If your dept checks the camera at that XXXX XXXX back parking lot, you will there stooges come within a hairs length of hitting our car and they have been doing so everyday! We appreciate all your departments help but we wo n't stop until these companies are brought to justice!
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX I HAVE SEVERAL UNRECOGNIZED ACCOUNTS SHOWING ON MY CREDIT REPORT. I AM DISPUTING THE FOLLOWING ACCOUNTS XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX. I HAVE REQUESTED DOCUMENTATION A FEW TIMES IN XX/XX/XXXX AND XX/XX/XXXX. I NEVER GET ANY CLEAR ANSWERS OR PAPERWORK. THESE ACCOUNTS ARE FRAUDULENT. I DISPUTE THEM UNDER FCRA 623, 611, AND 605B.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

In reference to my previous complaint # XXXX. Citibank stated in their letter of XX/XX/XXXX that the {$3000.00} credit would become permanent after XX/XX/XXXX. I have contacted the credit card many times in the last week and was unable to have that money credited to my checking account. I was able to get the previous credit that was permanent transferred to my checking account but not the {$3000.00} Thanks again for all your help. It has been over a year! 
Regards, XXXX
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/22 to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX, XXXX, CT, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Information belongs to someone else

the following account two ( XXXX XXXX ) accounts are reporting under my name, which are not mine, these are someone elses information reporting under my name, and could be an ID theft issue which i have been disputing with equifax who have not been helpful at all. please as a consumer i need you r help to have these inaccurate two loans removed from equifax credit reporting, appreciated
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

In XXXX, I became aware that my son had been using my XXXX account. I called XXXX several times notifying them that my son was using my account. They changed my password, but he still got in. They deactivated my devices and changed my password again, but by that time he had my full card info. He got it by going into my XXXX account. He then opened a new account and attached my card to it. I then called the credit card company and told them. They told me that they would put a text alert on the account so that I would know if it had been used. The representative put the alert of the wrong account ( I have two accounts at Citibank -- the one I inquired about and a balance transfer account ). I did not want to close my account as I thought we had managed the problem through the secondary verification/fraud alert and I was about to leave on a two-week vacation in XXXX ( I notified them of my dates to be away at the same time ). While I was away, my son made {$3700.00} in XXXX charges. I called the credit card company again ( this time from XXXX ) and they finally put a fraud alert on my card and assured me that I would be reimbursed for the charges. After that call ( the third or fourth call I made ), every time the card was used, I received an email. If they had put a fraud alert like this on the correct account the first time I called, there would not have been {$3700.00} in charges. 

Also, when I called in before I went on my trip, I gave the company the dates I would be in XXXX. I do not understand how someone using my XXXX account repeatedly in Hawaii did not trigger a fraud alert when i let Citibank know I would be out of the country for 2 weeks. There were XXXX charges on XXXX while I was away -- none of them were made by me. 

Citibank now refuses to refund any of the money saying that I have to file a police report. They have tossed me back and forth. I have spent hours on the phone. One person hung up on me when I asked for the contact info for someone I could write to about this. Customer service supervisors refused to speak with me and refuse to take any responsibility for not issuing a fraud alert when I notified them of the activity on my account. My son is XXXX, but he is also XXXX. He has a severe, diagnosed XXXX XXXX problem. At this point, he can not work and has no ability to pay the money back. No one will be served by putting him in jail. 

The whole thing could have been stopped simply -- if Citibank had put a fraud alert on the account the first time I called in.