Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status incorrect

Your company is deliberately passing reporting obvious inaccurate information. This is my third or fourth time requesting a Line by Line investigation, and or that these accounts be deleted because they are inaccurate. You and I both know that you are Not doing a proper investigation In Accordance With ( XXXX ) the Fair Credit Reporting Act. How many times do I have to bring the fact that you are reporting Inaccurate information to your attention, which you and I both know is a Blatant violation of my federally protected rights. I prefer to work this at the lowest level, but you are leaving me no choice. I need these corrections to be made and inaccurate accounts deleted. Incorrect Names : XXXX XXXX XXXX. Correct Name : XXXX XXXX XXXX. Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX Correct Address : XXXX XXXX XXXX XXXX, TN XXXX. Incorrect Employment : XXXX. Correct Employment : XXXX XXXX XXXX. XXXX accordance with 15 U.S. Code 1681s2 - ( b ) ( 1 ) ( D ) Responsibilities of furnishers of information to consumer reporting agencies this information must be deleted if the investigation finds that the information is incomplete or inaccurate, report those results to All other consumer reporting agencies to which the person furnished the information and that maintain files on consumers on a nationwide basis. Accounts Deleted off other Credit Reports : XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX. XXXX XXXX Account # XXXX. Incorrect Inquiries : XXXX XXXX XXXX XXXX & XXXX. These accounts and inquiries have been deleted from my XXXX and Equifax Credit Reports. In accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, ( D ) Automated reinvestigation system ; Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency XXXX report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies. XXXX the Fair Credit Reporting act, these accounts are in violation of my rights. 15 U.S.C 1681 section 602A States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681a-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. I am tired of asking the credit bureaus to delete these inaccuracies and to stop violating my rights.
Complaint sub-issue: Account information incorrect

Please be advised that this is my SIXTH WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your fifth re-investigation, you stated in writing that you verified that these items are being report correctly. 
Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these account? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. 
XXXX XXXX XXXX XXXX XXXX  as, XXXX defines Verify as 1 ) To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. 2 ) to confirm or substantiate by oath or affidavit ; to swear to the truth of. and verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure is to assure good faith in averments or statements of a party. 
What this means is that your company must be willing and able to produce a document in your files that proves the account ( XXXX ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( XXXX ) and all that has ever transpired for the alleged account ( XXXX ), under oath and under the penalty of perjury. 
As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). 
You have ignored my request to provide me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Physical Proof of Verification XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I'm not familiar with the below inquire on my credit and should be removed based off Section 604 of the Fair Credit Reporting Act Section 604 - This section is about the situations in which consumer reporting agencies may provide a consumer report. These situations are also called the " Permissible Purposes '' to obtain a report. The section also lists some purposes where a consumer report may not obtain a report, e.g. marketing, curiosity, law enforcement NOT VALID New Inquiry A new inquiry has appeared on your credit report. Here are the details of this inquiry : Date Reported : XX/XX/2018 Alert Type Inquiry Processed Date XX/XX/2018 Inquiry Date XXXX Inquirer Name XXXX CARD Address XXXX XXXX XXXX, XXXX, DE, XXXX End User Text EIS/
Complaint sub-issue: Problem making or receiving payments

I made a timely payment on my online banking on X/XX/17 to  XXXX for my life insurance policy. My bill pay set up apparently had an old address in the system which was no longer good. [ That was an oversight on my part. ] Since the address was old and the mail was no longer being forwarded to the new address, it was returned to my bank. Citibank NEVER notified me that the payment had a problem. I was not aware that this payment was returned to my bank for want of a better address until I received a letter from XXXX notifying me that my life insurance policy had lapsed. Now it is cancelled and they want me to re-apply. I do not think it should be acceptable in 2017 that a major banking institution would not be required to provide me with notification in writing that a payment I sent out was returned. This should be a requirement. Their answers was basically that they are sorry but because I did not have a box checked in my online banking that I wanted to have an email sent to me when this particular circumstance arose I was out of luck. Mind you, I had NOTHING checked one way or the other as I never utilized this set-up. They were free to contact me via mail, email, phone, etc. but did not and I have been harmed irreparably. I would like you to force them to institute proper policies and procedures for their customers.
Complaint sub-issue: Their investigation did not fix an error on your report

In XXXX of 2023 I noticed my excellent credit score had taken a severe decline. Upon checking into it, I noticed there was an item on my credit report that was erroneous. A collection agency, AFNI, INC., had reported that I was delinquent on a payment of {$1200.00} to XXXX XXXX XXXX. This is totally false. I do not have any financial relationship with XXXX XXXX XXXX. I called AFNI to try to resolve the error, but of course they " were experiencing higher than normal call volume ''. Not only was I unable to contact them, they have never, ever, contacted me prior to or after placing the item on my credit report. I called XXXX to dispute the item but their " investigation '' verified the information to be accurate. That is not true. I had the same situation a few months ago, and I believe it was also from XXXX XXXX XXXX but a different collection agency. It was removed from my report. I suspect the first agency just sold the same bogus debt to another agency. 
I can not attach any supporting documents because there was never any relationship between me and XXXX XXXX XXXX so nothing exists.
Complaint sub-issue: Not given enough info to verify debt

A company I worked for had a business credit card account with XXXX Bank XXXX for 12 years. After 12 years of never reporting this information on my credit report, XXXX reported the account as a charge-off on my personal credit report in XX/XX/2015 without advising me first. I had never even opened the account. The Company paid and closed the account in full and XXXX and their collection agency indicated the information would be removed from my report or showed as Paid In Full with no derogatory information. The account now shows as paid but is reporting as derogatory still despite several calls and assurances from them this would be taken care of. I have exemplary credit besides this and it is impacting my credit. XXXX claims they have reported the information to XXXX correctly yet XXXX has not updated and will not provide any response.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Direct express debit card : Within two months I've had to file a claim with this company for fraudulent transactions. Both claim filings we're delayed due to the fact you can't get though the company through phone because it's gives a message that the call volume is high and then it hangs up on you. When I did get through to them which for both took anywhere between 3 to 30 days of calling constantly to get a live representative which is the only way to file a claim. The first claim was filed in XX/XX/2019 for {$320.00} which I tried to settle the matter with the company first. The claim was made due to the fact that the company processed a payment without my permission. I never signed up for recurring payments and when I used the card before to make a payment with them it was one time payments only. I'll was told by direct express that my claim was denied on the 10 day due to conflicting information. The second claim was filed on XX/XX/XXXX for {$760.00} because my card was stolen by someone that I had to know because they stole my card and took everything off. When I did get through to make a complaint I was told that making a police report wasn't necessary but would be a help. I filed then claim and sent all requested paperwork in. On the 10 day they told me it was denied due to conflicting information. The second claim and same results. I tried to file an appeal on the second claim and was told I can't file an appeal and received no detailed claims on the the claims results after requesting. Direct express makes no efforts in investigating claims. It's very hard to get through on their phone lines and when you do get through they transfer you XXXX or XXXX tomes to departments that don't know what they are doing. Even after filing a police report for the second claim they told me that they couldn't reopen the claim and the police would have to get my money back.
Complaint sub-issue: Loan sold or transferred to another company

My car loan was sold from BBVA Compass to PNC when PNC bought out BBVA Compass. Upon transfer, PNC showed my loan to be a XXXX  month auto loan when it was an XXXX  month loan from the beginning. Our loan should have been paid off in XX/XX/2022, but I have been forced to make continued payments of {$540.00} each month thereafter due to their incorrect information. I have attempted to contact them several times with no resolution. I have requested documentation, which they did send and that documentation confirms that my loan was XXXX  months, not XXXX. They attempted to charge me an additional XXXX XXXXXXXX more than the total amortized payments on my original contract and the contract was never modified or refinanced, so PNC is simply just trying to steal money at this point and no one @ PNC cares to help fix my account.
Complaint sub-issue: Reporting company used your report improperly

I do not know this company XXXX XXXX nor ever did business with this company. Equifax list 6 accounts ... XXXX, XXXX, XXXX, XXXX, XXXX, XXXX on my credit report. They did NOT provide me a HIPAA release that releases my medical information to a 3rd party, they are in VIOLATION of my HIPAA rights. This is a clear FCRA violation. Since 2020 I asked for Equifax to provide their method of verification who Equifax contacted to verify these accounts, what the payments are for, HIPPA documents with my original signature, collections license number court documents that allows XXXX XXXX to continue to pursue this debt in Florida, was this account purchased or are they collecting on the original account holders behalf and has not received anything. XXXX and XXXX both have deleted these accounts already. They also violated my rights under 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
Complaint sub-issue: Reporting company used your report improperly

I need to make sure you have my correct business information for my business registered as XXXX XXXX XXXX XXXX in the state of California. I have called but have not been able to get someone to help me with this.
Complaint sub-issue: Other problem getting your report or credit score

Unable to change and add personal statement.
Complaint sub-issue: Public record information inaccurate

I took a look at my credit and notice there is a bankruptcy reporting to my credit that is not mine. I have never filed for bankruptcy and ask that you have this incorrect information removed from my credit report.
Complaint sub-issue: Information is not mine

I recently found that my identity has been used in an attempt to purchase a vehicle. I have not requested any loans for automobiles in XXXX of 2015 around XXXX XXXX. Someone has inquired about my credit XXXX times. I requested proof of request and the information is not being provided and is currently hurting my abilities to obtain a home loan. It seems to be some type of auto group in the XXXX area of Florida.
Complaint sub-issue: Information belongs to someone else

There are XXXX accounts on my credit report that do not belong to me I have tried disputing these with the bureaus as well as the furnishers but nothing is being done I need to remove these from my credit report since I have not signed used or know what these accounts are!! 

Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account
Complaint sub-issue: Account status incorrect

XXXX XXXX shows charged off in 2018 on my three credit reports. After the charge off XXXX XXXX shows account open and late payments on the same account. I have disputed due inaccurate information with all three credit bureaus. The bureaus refuse to remove the inaccurate information and XXXX  XXXX  refuses to remove inaccurate information for years now. This is affecting my credit score for years now. This is against the Fair credit reporting act. This company is knowingly keeping false information on my credit report.
Complaint sub-issue: Threatened to sue on too old debt

I was sued me for more money than I owe. My car was sold after the repossession. The sale price was not deducted from the balance. The statute of limitations has expired and they have garnished my pay check.
Complaint sub-issue: Reporting company used your report improperly

TeleCheck from Fiserv is a check acceptance company. TeleCheck and XXXX XXXX XXXX have been providing undisclosed and fake information to XXXX about me XXXX XXXX to Decline valid charges using XXXX  XXXX XXXX XXXX account ending in XXXX. 
I have been targeted by XXXX XXXX XXXX at financial institutions like Fiserv, Telecheck, and XXXX XXXX XXXX who are attempting to destroy my Business and Personal Financial reputation with false debts and credit information. 

1 ) There is no legitimate reason my XXXX and any other online Transactions should be Declined by Telecheck. The average deposits in the checking account being used is over {$10000.00} USD. 
2 ) TeleCheck has refused to provide me, XXXX XXXX, with a Consumer Report and more than 3 requests have been made for this information on the Telecheck website XXXX ) TeleCheck has not provided a Decline Code to XXXX or me XXXX XXXX the Consumer to properly investigate the reasons for this discrimination and harassment. 
4 ) These fake Declines are illegal Hate Crimes perpetuated by XXXX XXXX XXXX working in established Financial Institutions targeting XXXX and other People of XXXX. 

Please investigate and have Telecheck release all details related to the unsubstantiated Declines. These false declines are unfairly ruining my financial reputation. These issues have been reported to Telecheck using Complaint Codes XXXX and XXXX.
Complaint sub-issue: Debt is not yours

North American Recovery is reporting on my credit report for a very old debt that was actually paid by my insurance over 6 years ago. This is erroneous and I have been disputing it and nothing has been done. 
The bureaus and NAR are reporting inaccurate information that is old & past the statute of limitations as well as it was paid already by insurance.
Complaint sub-issue: Information is missing that should be on the report

Discover I have filed Multiple disputes with the credit bureaus as well as the CFPB on your company and you still havent deleted the item that I am disputing its the Discover account XXXX I explained to you that the transferring of this debt was missing in which you have yet to fixed I will need for you to delete this account from all credit reporting agencies 2nd violation you are not noting the required noticed of dispute with out this information the account must be remove immediately this is a federal law that you must delete this account for failure to do your job Fcra 611 and They are debt practice and act 806b
Complaint sub-issue: Trouble getting, activating, or registering a card

My first card was mailed XX/XX/2022 and I never received it. On XX/XX/2022 at XXXX I requested a replacement card be expedited and was told I would receive the card in the mail by XX/XX/2022. The website stated my card would come in XXXX days but customer service had no definitive information regarding the card at all. I do not have access to my funds and it has become a burden to live without income. I can not pay my bills, or buy groceries. This is unfair to me and anyone else experiencing this. Card holder services US Bank Reliacard not having answers or solutions is unacceptable.
Complaint sub-issue: Public record information inaccurate

XX/XX/2019 my wallet is stolen.The perpetrator tried to open two credit card accounts under my name XXXX XXXX, I had the two credit cards removed from my credit history with XXXX. I notice on my credit history a bankruptcy on my account under the name and a middle initial ( XXXX XXXX XXXX XXXX, I had XXXX and LexisNexis investigate this matter. My name is XXXX XXXX XXXX XXXX, No middle Initial. I called the bankruptcy court and i was informed that The U.S. Bankruptcy Court, XXXX XXXX   of California does not report information to any credit reporting agency. In accordance with the Fair Credit Reporting Act, 15 U.S.C. 1681 c ( a ) 1, LexisNexis and XXXX are refusing to remove and delete this bankruptcy.
Complaint sub-issue: Problem making or receiving payments

My stimulus payment is dated XX/XX/XXXX per the IRS transcript information. The payment has not yet been applied to my account. In addition to this, KeyBank held my paycheck that was to be applied in XX/XX/XXXX until XX/XX/XXXX which cause overdraft. I confirmed with my employer that the payment date was XX/XX/XXXX due to the pay date falling on a holiday ( XX/XX/XXXX ). I contacted KeyBank several times and they stated it was dated the XXXX, which is not true. So in addition to the overdraft that is now being resolved as my paycheck was applied today ( XX/XX/XXXX ), I still do not have the stimulus applied. It is dated the XXXX and should be applied today. 

There are numerous people that have received theirs, but mine has not been applied.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Purchased a car and realized the company abuse my credit by asking more than one back for approval leaving me with way too many inquiries
Complaint sub-issue: Account status incorrect

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

XXXX  XXXX Balance : {$150000.00} XXXX XXXX  XXXX Balance : {$31000.00} XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Information belongs to someone else

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 


XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX XX/XX/2022
Complaint sub-issue: Didn't receive notice of right to dispute

Sallie Mae sold off my debt, knowing that they have in their policy that US Veterans that are XXXX, at XXXX XXXX, which is how the US Department of Veteran Affairs considers unemployable veterans, lied to debt collectors. This has tarnished my credit score and I have attempted to resolve this matter with them.