Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

The attached Dispute was provided and ignored. 

Proof of identification from Category 1 Social Security Card and Category 2 Drivers License was supplied and ignored in previous dispute request. The previous submission is attached. The Category 1 AND CATEGORY 2 PROOF IS INCLUDED IN THE LAST PAGES OF THE LETTER AND ATTACHED TO THIS COMPLAINT. 


THIS IS NOT A REPORT OF IDENTITY THEFT XXXX  has ignored ALL previous attempts citing that the use of Law verbatim, formatting, and font implies that my dispute communication is from some other party than myself. This is very frustrating. 

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. 


I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX XXXX/XXXX  - Account : XXXX Creditor : XXXX XXXX XXXX - Account : XXXX Creditor : XXXX/XXXX  - Account : XXXX Creditor : XXXX XXXX XXXX - Account : XXXX Creditor : XXXX   XXXX XXXX - Account : XXXX BALANCE {$1000.00} Creditor : XXXX   XXXX XXXX - Account : XXXX BALANCE {$8500.00} Creditor : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  - Account : XXXX BALANCE {$2400.00} ( DUPLICATE ) Creditor : XXXX XXXX XXXX - Account : XXXX BALANCE {$3500.00} Creditor : XXXX XXXX XXXX - Account : XXXX BALANCE {$2400.00} ( DUPLICATE ) This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021 I sent Equifax a letter via certified mail and received a signature upon delivery on XX/XX/2021 as shown by the attached signature image and a screenshot of tracking history provided by the postal service. I have needlessly sent a second letter to an updated address since I briefly believed that their failure to respond was due to not having received the dispute letter mailed on XX/XX/2021. However upon receiving the proof of signature by an agent, I now know that thats not the case. 

In both letters I demanded that 2 credit lines and 2 hard inquiries be deleted from my report since Under 15 USC 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

I never gave EQUIFAX written consent to report anything on my consumer report, no consent is identity theft.

In accordance with 15 USC 1681i. ( a ) ( 1 ) ( A ) - if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency 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 delete the item from the 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 reseller.

Clearly, federal law requires Equifax to respond to my dispute within 30 days of the dated return receipt, which I have attached. They have failed to respond within that time period in violation of my consumer rights via the FCRA and must now delete the disputed items of information mentioned in the original letter, which I have also attached.
Complaint sub-issue: Was not notified of investigation status or results

Hey what the XXXX? i received your letter about you closing my complaint but why the XXXX would you do that?? who else would be complaining about my own disputes besides me? hey please take action, I have been waiting for almost 2 months now and the inaccurate items are still on my report! please get those negative items deleted
Complaint sub-issue: Information belongs to someone else

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items will be deleted immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

Equifax did not do their due diligence to protect my credit information, and their systems were compromised for at least 2 months in summer of 2017. I am among a list of millions of Americans who are likely affected by this data breach. I am freezing my credit to prevent potential damage, but I ca n't know for some months if any damage was done before my actions.
Complaint sub-issue: Was not notified of investigation status or results

Hi, I can't believe you guys are taking advantage of me. I am really upset the credit bureaus have not responded back to me about my investigation. I sent a letters and it's more than 60days. I need this account deleted or updated. These are the items I demanding to be deleted immediately : Bankruptcy court name XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

EQUIFAX is erroneously reporting my account held by XXXX XXXX XXXX XXXX XXXX Current report has my XXXX account listed under Adverse accounts stating the account as two months late payments. This is adversely impacting my credit score by over 50 points. XXXX Bank sent EQUIFAX a letter stating account should be stated as CURRENT and should be reporting as PAID AS AGREED WITH NO PREVIOUS DELINQUENCIES ( see attached letter from XXXX XXXXk sent to myself and XXXX on XX/XX/XXXX XXXX.
Complaint sub-issue: Debt was paid

AES ( American Education Services ) continues to bill me for a student loan that I have paid for back in XXXX, 2015. 

PHEAA conducts its student loan servicing operations commercially as American Education Services. 

AES continues to contact me regarding a pass due bill that I don't owe via email and telephone. In addition, they have put this past due bill on my credit report. I tried contacting them and they didn't even want me to send them the invoice that it was paid in full, they just insisted that I owe them. The dates discussed based on the timing that I attended school and the monthly amount of my payment arrangement were identical to the payments I was making.
Complaint sub-issue: Personal information incorrect

I have asked for my credit report to be accurate, removing delinquent accounts or providing proper debt validation as well as taking down all proper addresses, work places and phone numbers except for what is current. I have been a victim to fraud and do not want all these addresses and numbers that are incorrect on my credit report. I have written several letters and have been ignored every time.
Complaint sub-issue: Fee problem

Hi Team, I had opened a XXXX priority banking account with the citibank branch located at XXXX XXXX XXXX, New York, NY XXXX. This account had a bonus scheme which said that if an average balance of {$50000.00} was maintained for 3 months and email enrollment was made, {$500.00} would be credited as bonus. 

I satisfied all the conditions, but still at the end of 3 months no bonus was credited into my account. Upon inquiry it was told to me that the bonus would be credited 3 months after the conditions have been satisfied, this is odd as none of the other XXXX banks I have accounts with have such conditions. Rather they had automatically credited the bonus into the account when the condition was met. I still waited, and even after the 3 months were over, no bonus was give. Upon inquiry 4 months later, I 'm told I need to fill up a Tax certification form without which they would not be able to grant me the bonus. I was asked to submit a XXXX or XXXX to the branch. I did that yesterday ( XXXX ) and today i get a mail from XXXX saying I need to fill up XXXX and the attached mail doesnt even have the correct form it has a XXXX for enterprises, which implies they again are misguiding me in terms of the form to fill up, so that the process is delayed further and they can happily use my funds without the fulfilling their responsibility. What I am unclear about is, if this form was so important why was n't I asked to fill it up when I opened the account? Why did they wait 7 months to realize they needed this form. The staff is unaware of the conditions and this creates unnecessary harassment. 

I 'm not the only one facing this issue. Another one of my friend who had referred me has been facing the exact same problem, she has submitted the form multiple times, and the customer care keeps on flip-flopping saying that they have not received the form. 

I 'm appalled that a big bank such as citibank would resort to such measures to hold on to peoples 's funds. Now I am in need to withdraw my funds, but ca n't as if I reduce the balance I would be charged a penalty. How is this justified? The bank did not keep its side of the promise but is now charging {$30.00} a month for insufficient balances. 

I would have let it go if it had been only a one off case with me, but I can see that another person is being harassed on the same grounds.
Complaint sub-issue: Information belongs to someone else

Everything that's on my credit b is false I have no credit the only thing wrong with my credit is is hospital fees and Some school debts and 2 bank accounts that I overdrafted.i have had 1 car rental repossession and that's it If needed I can produce evidence that I had no knowledge of any of the things I'm seeing on my credit report these are my ex girlfriends who used me and abused my kindness and have to stolen me. from me and have lied on me and drug my name thru the mud.they have had all these cars, clothes, houses and
Complaint sub-issue: Information belongs to someone else

I have inquiries on my report that are not mine, I am attaching a FTC/Police report. With proof of my identity, please remove these inquiries right away. It is not right.
Complaint sub-issue: Information belongs to someone else

I have fraudulent accounts on my credit file and would like them removed. Providing you with identity theft report. I have already provided a police report. XXXX XXXX XXXX is still on my credit report after I have contacted them and you numerous times. XXXX has verified inaccuracies and removed. Why won't you Equifax?
Complaint sub-issue: Reporting company used your report improperly

PNC Bank XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX To Whom It May Concern : While checking my most recent credit report, I noticed a unauthorized and fraudulent credit inquiry made by this company. 

Inquiry was made on XX/XX/XXXX by PNC Bank. 


I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

- Please validate this information with this company and provide me with copies of any documentation associated with this account bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that this fraudulent inquiry be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I got a call from XXXX XXXX  collection department stating that my payment was not received. I explained to the customer service collections rep ( XXXX XXXX, Sunday XX/XX/XXXX at XXXX XXXX. She stated that XXXX XXXX  charged me a late fee because my payment was due on the XXXX. I explained to her that I had called into XXXX XXXX before and request that my due date be change after the XXXX of the month because that's when I receive my pay. I asked her to remove the late payment, she told me that they already removed one previously. I explained to her that she should look at the account to see when the late fee was removed because that would have been the date that I called in to request the due date change. XXXX XXXX  continued to argue back and forth and overtalk me, I couldnt get a word in edgewise. XXXX XXXX  charged me late charges for since XX/XX/XXXX. If I requested the due date change, why would they not change my due date and continue to charge me late fees. My I made 2 payment in XX/XX/2018 which should have brought my account in good standing. At that time, I requested that Macys change my due date. Nothing was done, they continued to charge me late charge every month. This is illegal and unethical. I had a XXXX   account in the past, I had the same kind of billing problems which forced me to close my account. The payment should have been corrected in XX/XX/2018. That was the date that I called to move the payment date behind the XXXX  of the month which is when I get paid. XXXX XXXX  never moved the date, but continued to charge me late payments. Today, after calling 3 people and being on the phone 2 hours, I got a person by the name of XXXX XXXX  Collections Supervisor XX/XX/XXXX ( XXXX ), who told me to make a payment of {$48.00} ( I made the payment ), he told me that this amount would catch up my payment, then told me to make another payment by XX/XX/XXXX of {$59.00}. I asked him why would I be making {$59.00} payment, when the payment was only {$27.00}. He stated that that payment would catch me up. That was he initially told me about the {$48.00} payment. XXXX XXXX is running some type of scam. They are tricking people into believing that if they make a payment, that they will be current, only to find out once they get your payment, you account is not in good standing. This is unethical and illegal. Looks like a bait and switch. They should be fined for this type of action.
Complaint sub-issue: Old information reappears or never goes away

Equifax is reporting XXXX XXXX Account # : XXXX. This account was not on my credit report before. I Have never gone into any business with this account or have any knowledge of this account, Equifax show no history of this account or any data its suppose to be shown as per the FCRA. I have filed a Identity Theft Report and advise Equifax to comply with U.S. Code 1681c-2- Block of Information Resulting from Identity Theft, or I would not hesitate to notify my States Attorney General and file suit here in Pennsylvania against Equifax XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I am a 100 % XXXX XXXX. My Federal Student Loans have been discharged due to my XXXX. None of these Federal Student Loans were ever late or in repayment status prior to my XXXX XXXX effective date of XX/XX/2013. 

During the administrative work with SSA and US Dept. of Education and XXXX to process my XXXX discharge the loans were placed in late payment status. XXXX sent me a letter to correct this with all 3 credit bureaus. 

I submitted the letter from XXXX to all 3 credit bureaus and all 3 have refused to remove any late payment reporting on these Federal Student Loans. I have disputed the accounts to no avail with all 3 credit bureaus.
Complaint sub-issue: Information belongs to someone else

I was a victim of identity theft from XX/XX/XXXX- on or about XX/XX/XXXX. The fraudster initiated numerous credit inquires by using my social security number, address, and name. I disputed the accounts through Equifax but they were deemed valid. The following accounts are fraudulent and need to be removed from my credit history : **XXXX XXXX IS VALID** XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX/ XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Deposits and withdrawals

Checking and Savings account was opened online with Citibank in XX/XX/XXXX. Soon after, I received checkbooks for my checking account. 
I deposited a {$10.00} check from my Citibank into another bank account ( my account at this other bank ) ( dated XXXX XXXX, transaction into other bank took place on XXXX ), only to be told by the other bank that my check was asked to be returned by Citibank ( on XXXX ) as my Citibank checking account had the status of being blocked or frozen in XX/XX/XXXX. 
Upon calling Citibank customer service over telephone, I was informed that the service of using checks from my checking account was not activated. I asked for the activation on XXXX during the same phone call. The agent informed me that I would have received in my welcome pack in XX/XX/XXXX, instructions to 'activate ' the function of using checks from my checking account. 
I had not received any such instructions or warning notice with my checkbooks. I checked my account online on citibank.com and could not find any link to activate checkbooks or this basic checking feature of my checking account. 
The other bank charged me check return fees ( {$10.00} ) as from their point of view, I sent them a check which couldn't be cashed. 
I think it is ridiculous that despite opening the checking account successfully online with Citibank, requesting and receiving check books for said checking account, I am supposed to 'activate ' this basic and core feature of a checking account, while such a basic requirement is not done automatically by the bank upon account opening. 
This is an anti-consumer practice. Citibank has provided no such instructions on their website for this checking account that I could find and I can not find any such letter with instructions from XX/XX/XXXX, even though I keep such physical correspondence from the banks I have a relationship with. Citibank only keeps e-documents for 12 months from their release, so they don't have any documents from my account opening from XXXX that I can download to verify their claims.
Complaint sub-issue: Problem with fees

Citi had a system failure when I requested my stolen card to be shut down and Citi failed to and the thief accrued charges due to Citi 's failure. Citi then refused to refund me my auto payment which included fraudulent charges so I was forced to revoke the stolen charges via my checking account. Citi then proceeded to charge me extra on top of that for revoking the charges to get my money back. 

Amounts : XXXX XXXX : {$25.00} AAadvantage : {$25.00}
Complaint sub-issue: Account status incorrect

I had to re apply for a deferment I sent emails with the required documents, but  XXXX  " never received it ''. It took them months to finally get what I was sending to them. When it was received they back dated my deferment and made it current. They never updated my credit report to reflect they update. I tried speaking with someone there and they are reluctant to help.     The dates in questions is   XXXX   XXXX   XXXX   XXXX