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

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts that are still reporting on my Credit Report : DSNB BLOOM-XXXX-Balance $ XXXXDate Opened : XX/XX/2005 DSNB BLOOM-XXXX-Balance $ XXXX Opened : XX/XX/2005 DSNB BLOOM-XXXX-Balance $ XXXXDate Opened : XX/XX/2005
Complaint sub-issue: Information belongs to someone else

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt is not mine

My dog was enrolled in XXXX XXXX XXXX vet plan, this is true, no dispute HOWEVER, XXXX XXXX XXXX Breached their Duty of Care to my Pet, negating to provide proper XXXX services when scheduled and it is my contention waiting for them to reschedule caused my pet further damage. 

My dog had XXXX and was to have XXXX checked and removed and also had developed what we later found out was a XXXX, which began on her XXXX and ultimately spread everywhere. She had her XXXX on XX/XX/XXXX..her appointment at XXXX was XX/XX/XXXX which was approximately two weeks and they called and cancelled as they had some doctors leave their employ and were unable to see my dog who needed to be seen. I did let the girl who called know that XXXX needed to be seen and she advised they were arranging for vets to come in and would call me. I never got a call, XXXX in spite of the collar we had for her and the XXXX got worse. I called the Bureau of Veterinary Medicine and found her old doctor who was aware of her severe health history and eventually took XXXX to see her, by that time, I had spoken with a doctor and used home remedies like XXXX to relieve some of the symptoms but XXXX was XXXX by this point. Once I got all of this done and the doctor was finally able to see XXXX it cost me XXXX and this was a discounted price because they knew I had saved XXXX through a animal rescue and did not have this kind of money. 
The credit agency is performing a service however, they have been informed that they should not be trying to collect this debt. If this debt appears on my credit report, I have sought legal representation and will dispute same with documentation. If they file in a court of law, I will also file suit against XXXX XXXX XXXX for neglect and damages done to my dog. A complaint has been filed with MD state against the clinic involved and XXXX XXXX XXXX in general. I have explained to the collection agency who calls non-stop, that I will pay a bill, but I will gladly meet them in court before I pay this billl as their client breached our contract by breaching their duty of care to my pet and their veterinary oaths hanging on their wall. I will never deal with them or with XXXX ever again. There are too many venues around who actually care about pets. I used to spend all of my pet money in XXXX as well as my friends, the animal rights people and boyfriend. I have not even begun to publish the complaints I have about how my Hope was handled and how I was harassed by both XXXX and this credit agency for money. 

Thank you for your time, XXXX XXXX
Complaint sub-issue: Public record information inaccurate

I was a victim of identity theft in XXXX XXXX. A public lien was placed on my acct. I was able to provide proof to the reporting agencies and sent them a copy of the paperwork over 2 months ago ( again ) as I was just reminded of this again when I checked my reports. Nothing has been done about this and they are still reporting the lien on my credit report. I have the proof from the XXXX of XXXX XXXX and they wo n't remove it from my report. Looking to get this matter resolved as I 'm trying to buy a home.
Complaint sub-issue: Information is missing that should be on the report

my XXXX  XXXX account is not update on my credit reports it hurting my credit
Complaint sub-issue: Other problem getting your report or credit score

XXXX and XXXX I have contacted equifax in regards to my credit report pulling is blank. My 2 different mortgage companies can not access the report. I have submitted documents and talked to numerous representatives. Nothing has changed but them keep telling to send documents of my identity over. I have been faxing for about 10 days now.
Complaint sub-issue: Funds not received from closed account

In Early 2022, I opened a Citi Gold account from one of the referral links online, I received a deposit of over XXXX in the initial few weeks. Product was Citi Gold account and I had provided all personal information to the bank before opening. 

On XX/XX/XXXX XXXX XXXX  in the morning I received two consecutive emails from Citi Bank stating all my accounts with Citi will be closed without stating any reasons etc. I called the bank next day and they said nothing they they can help me with and that I have to wait for the letter to come in mail. I told them all transaction on my account are legit and there is no fraud or anything I noticed. Citi gold account comes with special privileges where in dedicate reps are assigned to each customer, None of my assigned manager made any contact with me over several months of account opening. 

My checking account got suddenly blocked by Citi stopping me to be able to use my own funds leading me to use high interest loans for financial commitments. I am very disappointed by the treatment provided and lack of professionalism by Cit bank staff including Senior Account reps. 

On XX/XX/XXXX ( letter dated XX/XX/XXXX ) I received a letter from Citi stating they noticed some fraudulent activity with my account and I need to call a number provided on it, when I called that number they connected me to another Citi group who then directed me to go to a local Citi branch and they cut the call on me abruptly when I asked who should I meet at the local Citi branch. This is the worst customer experience I ever had with a largest bank in the United states. 

To resolve the problem, I would appreciate if my account rep from Citi bank should contact me and inform me on next steps. I am fine with closing the account but have no idea what happens to my funds in my checking account. Some minimum level of customer care is expected.
Complaint sub-issue: Attempted to collect wrong amount

i check my credit report and notice a collection from JEFFERSON CAPITAL SYSTEM on XX/XX/2020 with an alleged debt of XXXX $ that i don't owe or never sign up for this account with XXXX direct marketing.I sent them a letter requesting validity of the alleged debt  in question along with other information on XX/XX/2020 in which i have not receive anything as of yet.I also attached a copy concerning this complaint.
Complaint sub-issue: Problem with statement of dispute

I submitted a credit inquiry dispute online for impermissible access to my credit report and asked Equifax to investigate & remove it from my credit file. Their response says the inquiry is a factual record of file access and suggested I write to the company that accessed my credit file at the address provided. I sent the letter via Priority mail, & it was returned to me undeliverable as the forwarding has expired. I contacted Equifax and spoke with 6 representatives who told me that they can not remove the record from my file. I told them that the company that pulled my credit report was closed by government action ( easily found online ). They told me to call their phone number to request that the inquiry be removed, even though the agent said they know the company XXXX XXXX XXXX XXXX was put out of business by government action for improper licensing, etc. The FCRA says that Equifax has the responsibilty to resolve this issue, and they refuse to abide by Federal Law.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2019, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes and concerns. 
Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Complaint sub-issue: Information belongs to someone else

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be deleted. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected or removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX  placed an inquiry on my Equifax credit file dated XX/XX/2022. and it's against federal law ( Fair Credit Reporting Act - 15 U.S. Code 1681n ( a ) ( 1 ) ( B ) for an entity to view a consumers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not request personal credit from you and only requested business credit using my EIN and not social security number. Furthermore, I was told supplying my social would be a soft pull and used only to verify my identity however, this is now a hard pull on my credit report for credit I never personally applied for.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

In XX/XX/2015, I closed my business because I was selling my XXXX. I had called the XXXX branch of PNC bank to let them know that I was going out of business and asked if my daughter could close the account for me since I was going for XXXX  XXXX. They said I had to come in. Several days after my XXXX, my daughter brought me to the bank in XXXX to close the account. The girl in the office who could have been XXXX or one of her associates, said that they would be closed as soon as the last check came in. This obviously never happened! Someone didnt do their job! I have received a notice early on and was told it was a mistake. Over the years, I have told PNC Bank that I dont owe anything and I want them to stop calling me! They called me XXXX at night and harassing me! I finally asked my daughter to take over and talk with them because I was becoming ill and having XXXX XXXX. My daughter worked with them and found as many records and she could and brought them to the bank in XXXX, for them to do an investigation. To date, they have not given me any answers but continuously ask me other questions about names and dates I can not remember. My daughter called and told them to send our records back and that we are going to file a complaint.
Complaint sub-issue: Reporting company used your report improperly

XXXX. In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX section XXXX A Section XXXX have the right to privacy. 

XXXX. XXXX XXXX XXXX Section XXXX A. XXXX. It also states a consumer reporting agency can not furnish account without my written instruction.
Complaint sub-issue: Problem with fees charged

US Bank is purposely making enrolling in auto pay very difficult resulting in late fees. Us Bank 's website is also misleading and causes storing of my checking account to delete its self further creating difficulty making on time payments.
Complaint sub-issue: Their investigation did not fix an error on your report

. XXXX XXXX XXXX, account number : XXXX. XXXX XXXX XXXX XXXX states under the remarks section that this debt was Purchased by Another Lender ; Transferred-To Another Office which acknowledges that they surrendered any legal right to collect the debt in question. Please see attached XXXX, and XXXX credit entries. I am demanding Equifax remove these entries immediately or provide me with your verification documents. Because your investigation findings conclusion of verified. You are legally obligated to provide me with the documents that you used to verify my legal ownership of this debt. 

This has clearly been sold to XXXX XXXX ( XXXX ) XXXX see attached XXXX Credit Report.
Complaint sub-issue: Information belongs to someone else

I tried to dispute the following accounts with reporting agencies and creditor several times without success: The following account are been reported in my Credit Report without me having any knowledge or authorization for these accounts: 1. XXXX XXXX XXXX XXXX: $XXXX Status: Charge Off, Date Opened: XXXX - 2. XXXX XXXX XXXXXXXX XXXX XXXX: $XXXX 3. XXXX XXXX XXXX XXXX XXXX  : $XXXX Status: Charge-Off, Date Opened: XXXX4. XXXX/XXXX | XXXX : Balance: $XXXX Status: ChargeOff, Date Opened: XXXX5. XXXX XXXX | XXXX  Balance: $XXXX Status: Charge-Off, Date Opened: XXXX6. XXXX XXXX/XXXX | XXXX Balance: $XXXXNon of this creditor have reached out to me or send me any type pf communication regarding these charges and resolution steps as required by the Fair Debt Collection Practices Act (FDCPA). The dispute service online on Equifax  has been unavailable for month and the phone costumer service technicians refuse to take the dispute over the phone.
Complaint sub-issue: Account information incorrect

Mortgage company XXXX XXXX has reported me delinquent on 2 separate occasions despite being on Covid forbearance both times. This has severely and negatively affected my credit. Once reported the the me through a long cumbersome process despite it being their fault ( twice ). They also insist that I have to make a lump sum payments on the 2 payments that I misses during forbearance despite informing them that I want the payments added to the end of the loan as the CARES Allows. They refuse to do this. 

I need assistance in dealing with this unresponsive and unhelpful mortgage company.
Complaint sub-issue: Not given enough info to verify debt

Enhanced Recovery Corp. reported a debt in the amount of {$220.00} on behalf of XXXX XXXX XXXX to the XXXX major Credit Bureaus ( XXXX, XXXX, XXXX ). I paid the amount ; however, the delinquency date reported is inaccurate and is affecting my credit score immensely. Enhanced Recovery Corp. is refusing to correct this since they 've already been paid. 

Prior to Enhanced Recovery Corp. a different collection agency was contracted by XXXX XXXX to collect. This debt has been moved around by numerous collection Agencies. The year of delinquency should be 2013.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$120.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$490.00} XXXX XXXXBalance : {$1400.00} XXXX  XXXX Balance : {$6300.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$80.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXXBalance : {$100.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXXBalance : {$1000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXXBalance : {$790.00} XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem with personal statement of dispute

Equifax credit bureau received my certified mail dated XX/XX/2020. To investigate a report on my credit file about a Bankruptcy. I have a letter from the court stating that they don't report anything to the credit bureau. I also freeze all my information through XXXX. I received a letter from Equifax that they have verified. That is misleading and fraud by not really contacting the bankruptcy court to verify such information.
Complaint sub-issue: Account information incorrect

In XX/XX/XXXX I spoke with a XXXX 'XXXX representative to pay off may account in full and close my account. I received a letter from XXXX XXXX confirming my account had been closed, per my request. Months later I received a bill for interest on the account and was told by a representative that it was an error and would be removed. For several months I received the same bill and each time was told that it was a mistake and it would be handled with no affect on my credit. Several months later I again contacted them but by e-mail to get their response in writing. I was informed in writing that their mistakes would be removed from my credit report. I still have a mistake on my credit report, showing a late payment occurring in XX/XX/XXXX, which is six months after my account was closed. After at least 6 phone calls and e-mails XXXX XXXX has not removed this from my credit report and this appears to be a malicious act on their part. Please see all attached documentation from XXXX XXXX, including their written promise to clear my credit report. This is 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. 
Account name : XXXXXXXX XXXX XXXX  XXXX, Account name XXXX XXXX XXXX XXXX XXXX, Account name : DPT EDXXXX # XXXX, Account name : DPT ED XXXX # XXXX, Account Name : XXXX XXXX  XXXX, Account Name : XXXX # XXXX, Account Name : XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXXXXXX 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: Debt was paid

I have had a medical debt that is not mine reporting on my XXXX  credit report from LJ Ross in XXXX Michigan. Its been 6 years now.. I disputed this on my credit over and over. I haven't used the XXXX XXXX for almost 12 years. I do not owe the amount they are listing on my credit report and it is Destroying my credit score. THey have not responded to any attempts I've made to contact them through the years. This is so old that there is no way I would even have any documentation of my last bills paid with XXXX XXXX almost 12 years ago.
Complaint sub-issue: Reporting company used your report improperly

I sent a letter to Lexis Nexis on XX/XX/2021about inaccurate, incorrect information they are reporting to credit reporting agencies. This information was provided to a potential employer and has caused me to not gain employment because of the inaccurate false public information they have on my report. I'm not sure how they were able to provide this inaccurate information becuase I contacted the court and they told me they DO NOT report information to credit reporting or any third parties companies. This is a violation to my right to privacy and I want this information to be deleted from their system and any other agencies such as XXXX, XXXX, and XXXX. This company had no permission to report anything concerning my information. Under the FCRA law no consent is identity theft. It is not fair that you can just snoop around my business that has nothing to do with you. I never asked or gave you my consent written or by mouth to report any of my information. if you fail to comply I will file legal action for XXXX  you have caused me
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  the following accounts/inquiries has violated my rights, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX  XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX - XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX XXXX  XXXX : XXXX. XXXX, XXXX + XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX XXXX  XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX 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.