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

Equifax has consistently verified and reinserted the following accounts on my Equifax credit report. Case # XXXX Case # XXXX The above mentioned accounts were deleted on XXXX XXXX 2016, Equifax confirmation number XXXX. I am demanding that Equifax delete above mentioned cases from my file. I am not asking Equifax not to reinvestigate so they can stall for another 30 days. I have contacted XXXX County Courthouse to speak to them about this matter and they stated they have no recollection or knowledge of Equifax performing an investigation. If these accounts are not deleted, I will pursue any legal remedy at my disposal.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have not authorized any company to pull my credit. I believe Im a victim of identity theft, Im investing all my privacy violations these inquiries negatively affecting my rights of privacy. Nor does this affect my past pattern of behavior according to 15 USC 1681 c-2 these accounts must be removed in 4 days.
Complaint sub-issue: Account information incorrect

I just filed a dispute with XXXX. a few of my accounts which I paid off and have a XXXX balance they are still showing I owe that balance. how can this be dealt with improper information which it effects my credit and it's been a good two weeks since these payment balances were made. A few of the accounts show a XXXX balance but there are others that don't.
Complaint sub-issue: Debt is not yours

I WAS XXXX! CONTINUE TO BE XXXX! As a natural person who is federally protected. I am notifying you that you have help damage my name and my reputation. Your corporation has offensive activities towards me as a consumer, such unauthorized use that did not serve me any benefit. I have been violated as such, the truth and lending act XXXX XXXX XXXX ILLEGAL TO COMMUNICATE, XXXX XXXX XXXX XXXX PRACTICES OF DEBT COLLECTIONS you violated my privacy and only I deem what is private to me AND you COMMUNICATIONS TACTICS ARE ILLEGAL! XXXX XXXX XXXX XXXX VALIDATION OF DEBTS you do not have permission to say I owe anything because as natural person and according to the XXXX I validate debts because I am original consumer. This does NOT allow debt collectors to obtain a copy of " original contracts '' as I DO NOT have contracts with TRUE ACCORD, you do not have granted that permission. As per XXXX, you violated me, your corporation is criminally liable pursuant XXXX XXXX XXXX because your corporation willingly knew that you were complying to a transaction that is fraud. It is a violation as per XXXX XXXX XXXX XXXX for XXXX parties to come together and conspire against MY rights as consumer. READ XXXX XXXX XXXX & XXXX ( XXXX ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses. the law is created to protect me the CONSUMER! You are illegally communicating with me for debt not owed.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX Potentially negative Date openedXXXX Balance {$5100.00} StatusOpen. {$430.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date openedXXXXXXXX Balance- StatusPaid, Closed. 
XXXX XXXX XXXX Potentially negative Date openedXXXX Balance {$500.00} StatusCollection account. {$500.00} past due as of XX/XX/XXXX. 

The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX CREDIT CARD : # XXXX, XXXX XXXX CREDIT CARD : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Reporting company used your report improperly

Accordance with the Fair Credit Reporting act XXXX  Account # 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: Information belongs to someone else

Citibank has recently put a collection account on all 3 credit bureaus just recently without warrant and proof that this account belongs to me. This account has never showed on my reports then suddenly shows up with dates that I never opened this account. The amount is for $ XXXX. I have called citibank recovery directly and to no avail they have not helped nor shown me proof that this account does belong to me as it has severely damaged my credit and my ability to buy a home in the coming months. This needs to be resolved immediately as I will take legal action against the company.
Complaint sub-issue: Information belongs to someone else

The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Old information reappears or never goes away

You are reporting a PO box and I don't have one I lived at my address for 42 years where the XXXX you get this po box from remove at once and remove my personal statement
Complaint sub-issue: Trouble using the card to pay a bill

Yes on XX/XX/XXXX my card was locked out I can not get into my card I can not do anything it is now going on on the XXXX XXXX XXXX I have been out in the heat I've been in my van I haven't had a bath I haven't done nothing because I'm 350 miles from home while I'm walked on my card and the bank does not want to unlock it because oh they didn't update my information when I called it in in XXXX so they're saying it's my problem they didn't update anything my email my phone number nothing so and oh guess what my ID 's expired because of covid and I've got an appointment to get into get my ID but it's at the end of XXXX so they can't use my ID because oh they said it's because it's expired the other Banks use it but not this one so I don't know what to do I don't know what to say all I know is this bank is stealing people 's money
Complaint sub-issue: Reporting company used your report improperly

Dear Discover Bank Pursuant to The Gramm-Leach-Bliley Act ( GLB Act or GLBA ) is also known as the Financial Modernization Act of XXXX. You are in direct violation of my consumer rights. Financial institutions covered by the Gramm-Leach-Bliley Act must tell their customers about their information-sharing practices and explain to customers their right to " opt out '' if they don't want their information shared with certain third parties. I XXXX XXXX the consumer never gave Discover Bank any written, oral, air any other means of correspondence that they could share my personal information with any third parties. You have shared my personal private information including my name, social security number, address, phone number, account number and other personal information with several third party companies. Financial institutions found in violation face fines of {$100000.00} for each violation. XXXX, XXXX, XXXX are all third party non-governmental for profit companies. Please have my information removed immediately from their records and any other third parties in which you have provided my private personal information. You are also in violation of United States Privacy Act, as I gave you no consent to share any of my private information with these companies. They are not backed by, bonded or have any affiliation with any government agencies. 

All Rights Reserved Without Prejudice U.C.C 1-308, Notice To Agent notice knowledge U.C.C. 1-202
Complaint sub-issue: Other problem getting your report or credit score

This matter pertains to the Equifax credit reporting agency. The problem is this - my credit file has been entirely deleted. It is not accessible by myself or other creditors, and it's been this way for the last 6 weeks or so. When I first discovered that pertinent information was missing from my file, I called Equifax to report it. Shortly after I called, my credit file was completed deleted - there was no information on it. I have repeatedly called Equifax about this problem and they continue to do nothing. I even called the corporate office and they told me that nothing could be done. Two days ago, I applied for a mortgage with a credit union and they've informed me that nothing came back from Equifax, that the file was blank.
Complaint sub-issue: Investigation took more than 30 days

I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$2900.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Complaint sub-issue: Debt is not yours

On XX/XX/20 we left XXXX XXXX XXXX XXXX managed by XXXX XXXX due to poor living conditions and lack of maintenance. There were three ( 3 ) types of mold found around two ( 2 ) bedroom window seals and the HVAC was leaking. Maintenance did not make repairs until two ( 2 ) months after the initial complaint. 

We had only lived at XXXX XXXXXXXX XXXX XXXXXXXX for three ( 3 ) months and on XX/XX/20 I receive an email in my junk box about a debt that is owed. The email was from XXXX XXXX or Central Billing. Regardless it is hard to make out. I called management to inquire about the debt and they stated it was to replace carpet. From XX/XX/20 to XX/XX/20 I tried to solve this issue with XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX XXXX/Central Billing and they stated it was from pet urine. The whole carpet had to be replaced and {$510.00} is the balance left after deposits were taken into account. 

We have pictures, videos, and mold report of the apartment before and after we left and tried to reason with the above companies the debt is not valid and subsisting. 

On XX/XX/20 both my wife and I receive a call from XXXX XXXX about a debt, but the person on the phone wanted sensitive information to verify our identities. We did not provide it and they subsequently ended the call. 

Less than two ( 2 ) weeks after move out the above companies have placed a non-verifiable debt in collections that can not be proved. We never had a move out inspection and we felt we had to move because of the mold and HVAC. After two ( 2 ) months of no action, we left and I feel the companies are asking for money they are not owed.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent out 4 different letters dating back as far XX/XX/XXXX to XXXX, Equifax and XXXX   the latest being XX/XX/XXXX and another one I am sending out today XX/XX/XXXX. 
I wrote to XXXX, Equifax and XXXX to remove the following accounts ( listed below ) from my report if they did not provide me documents or validation of the debt. The company has failed to remove any account and responded back as " verifed accounts ''. Therefore, since they failed comply with FCRA sections 609 and 617, they were supposed to remove the debts immediately. XXXX has not provided any documentation, they did not confirm who verified the information or what company. They have refused to remove the following accounts : XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX, Both Bankruptcies XXXX even after I provided a letter from XXXX XXXX and the local Bankruptcy court stating they dont report to Bureau 's so how can XXXX, XXXX and Equifax not correct or comply with the Law if they have no documentation that I am the actual person in charge of the debt or anything else. I called and spoke with a lady named XXXX today XX/XX/XXXX ( XXXX ) to inquire about my recent notices-she stated they do not remove things from my credit report and to file a police report.
Complaint sub-issue: Charged too much interest

I have always paid my XXXX Citibank card in full. A Citibank representative told me that if I dont pay in full, that I would only be charged interest on the remaining monthly balance for the number of days left in the month. My due date is the XX/XX/XXXX. On the XX/XX/XXXX, I paid the remaining {$100.00} on my 2000+ monthly balance. Citibank charged me interest on the full balance. They reversed it after I called, but said that I will be charged interest on {$4500.00} for the month of May EVEN IF I pay the balance in full by the XX/XX/XXXX because I have to pay in full for two months in order to not be charge interest. So, because of a mere {$100.00} left on my XX/XX/XXXX bill, they want to charge me interest on 2000+ for one month and +4500 for the next month. This is excessive and o my Benefits Citibank. Moreover, my billing cycle doesnt end until the XX/XX/XXXX.
Complaint sub-issue: Account status

An account was paid off in 2011. Collection agency that had the account ( XXXX ) has now sent all XXXX credit bureau 's XXXX letters stating that the account is paid in full but none of none of the credit bureau 's will mark it as paid. I have now opened XXXX investigations with no change from credit bureau. I need this resolved so it can quit negatively affecting my credit.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make a consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.
Complaint sub-issue: Problem with personal statement of dispute

I applied for a CitiBank Credit card. CitiBank turned me down due to FALSE information of a bankruptcy and unpaid credit accounts. 

I contacted CitiBank repeatedly and CitiBank swears that the info they have in their data base about me is correct, for a Bankruptcy and credit unpaid accounts going back to 1993. No one ever sent me any collections information. It has never gone to the credit bureaus. I then complaint to corporate and a so called employee from so called executive office, insists that the records they have are mine. And when I applied for a card for my son ; since, I'm his administrator, XXXX reported me to the Department of the Aging for Financial abuse against my son because I caller not very smart. The Department of the County of XXXX XXXX and myself wasted a week trying to take care of such false report by CitiBank. 

I have a Sears CitiBank Credit Card also.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2019 with a balance of {$12000.00} -This is not my account.
Complaint sub-issue: Funds not received from closed account

On XX/XX/XXXX my account was blocked without notice from Citibank. At the time there was {$1000.00} in my account. Friday, XX/XX/XXXX my payroll was directly deposited into my account from my job. The total amount of the deposit was {$2700.00} ... at the time the balance in my account was {$3700.00} My account was still blocked and I was unable to access my money. I called the bank several times and was hung up on with the phrase " your account is under review and I can't talk to you! '' This went on for several weeks. 

I was unable to pay my XXXX rent due to my XXXX paycheck and other funds being held without cause. I went into the bank to get help and was told that my money was returned to my employer and I should ask them to reissue. 

As of XX/XX/XXXX XXXX  has confirmed that Citibank never sent my payroll + the {$1000.00} that was in my account. 

Due to this my credit cards were frozen until I provided an explanation for why my payments were returned. I was unable to buy groceries and pay my utilities. 

To date : XX/XX/2021 I still have not received my {$3700.00} that was stolen from account by the employees of Citibank. 

I am a small business owner and this has ruined my business for the Summer. I have lost so much money not being able to set up at the XXXX market with my organic products. This one gross act by the bank has costs me nearly {$20000.00} in revenue at the XXXX 's XXXX.
Complaint sub-issue: Problem getting your free annual credit report

Upon attempting to obtain my credit report online, website states it's unable to do so and directs me to obtain it via mail. No reason given as to why. 

Furthermore, Equifax ask for identity verification info from over 12 years ago.
Complaint sub-issue: Public record information inaccurate

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 an account without my written instructions XXXX has reported incorrect information on my credit report. XXXX XXXX XXXX does not inform of bankruptcy to any credit bureau. XXXX also has too many names associated with my credit report that are incorrect. My married name WAS XXXX XXXX and I am currently divorced I am XXXX XXXX XXXX currently now. I have included a PDF that shows everything highlighted that needs to be deleted.
Complaint sub-issue: Investigation took too long

I submitted a dispute in writing to Equifax on XX/XX/2016. Not only did they not produce proof that the credit file in question belongs to me, Equifax DID NOT respond at all. They have exceeded the allotted 30 days to respond to my dispute.
Complaint sub-issue: Debt was paid

US Bank {$30000.00} SECURED CREDIT CARD. A this SECURED credit account was closed PRIOR to the secured amount. US Bank continued to keep the credit card account open and USBank charged late charges over limit charges and reported false and inaccurate information - then charging off an account that was and had been closed prior to the secured card limit
Complaint sub-issue: Information belongs to someone else

I have accounts listed on my credit repair that doesn't belong to me. I never gave anyone access to personal information to apply for these accounts listed below. 



XXXX XXXX -opened XX/XX/XXXX amount {$930.00} XXXX XXXX opened XX/XX/XXXX amount {$790.00} XXXX XXXX XXXX opened XX/XX/XXXX amount {$0.00} XXXX XXXX -opened XX/XX/XXXX amount {$0.00} XXXX XXXX XXXX XXXX opened- XX/XX/XXXX amount {$3900.00}
Complaint sub-issue: Information is missing that should be on the report

i am not able to see my accounts in Equifax from XXXX  XXXX. 
it is showing in my phone that it hasn't been updated since XXXX of 2018. 
i had to call them and open up about 8 dispute to fix everything including my name S.S and date of birth, after I did all that there still an issue and i am not able to see my accounts and I am not able to apply for home loan because all the banks telling me there is an issue with Equifax. when i call Equifax they say everything is okay on their end. but when i receive a letter from Equifax my name is still wrong on it. i have been trying to buy a single family house for me and my family but i am not able to because if Equifax. I've sent them my S.S card picture my D.L picture and any other documents that they asked for. the problem is still not fixed. I've ran my credit about 3 times because they told me it was fixed when it wasn't. my score went down from XXXX to about XXXX because of it. 
please help. 

attached is what i sent to them. and what i got back from them. i am also attaching what i got when bank ran my credit,