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

XXXX XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX SSN : XXXX To XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX VA XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, you Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report. Per the credit reporting, it states account type as an open account, account status as open, and payment status as late 120 days. I have enclosed a copy of my credit report showing proof. 

Per violation, you are reporting an account as open, but its late 120 days, which you never received no payment from me, not only you are reporting inaccurate information, but you are also reporting an account that you have no legal right to collect. 

Per XXXX  reporting and XXXX, it states account status as derogatory, balance as XXXX, and payment status as collection/ charge-off, how is this possible, you are reporting payment status as collection/charge-off and other as late 120 days. Per violation, you can not report different information between credit agencies, which make the information invalid, delete per violation. 

I do not have a written, or verbal contract agreement with your company. I did not sign a contact with your company to collect a debt. 

Based on US contact law, I should only pay the original company and do not have to pay the collection agency. 

By law you must delete this inaccurate account from my credit reports because you have no legal right to collect. Please note, I will seek legal action for defamation, which is hurting my financial situation and causing me pain and suffering. For your records and proof, I have enclosed a copy of the credit reporting. 

Delete this account from my credit report immediately, or I will seek legal action. 

Do not send me copies of credit card statements, as this do not validate the right to collect
Complaint sub-issue: Information belongs to someone else

This is my 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 alleged fraud or extortion. 




XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have submitted several letters to all 3 credit bureaus- Equifax XXXX XXXX XXXX and XXXX disputing this Account with ( XXXX XXXX ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. They have failed to present me with proper documents that show their method of verification. They also failed to show me original documents bearing my signature with this account. 
This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. ONLY ONE BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL 3 BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. THIS ACCOUNT IS ALSO REPORTING A " LATE-PAYMENT STATUS '', WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE.

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account.

All 3 credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus and ( XXXX XXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2022 I disputed a charge on my Discover business card in the amount of {$210.00}. I uploaded relevant documentation at that time. On XX/XX/2022 I called as to the status of my dispute. On XX/XX/2022 I received notification that Discover found in favor of the merchant. I interpret XXXX as the credit card company has 90 days to resolve a dispute. This is beyond 90 days. I did my due diligence providing extensive documentation and calling before the 90-day deadline to check on the status of the dispute. I called Discover on XX/XX/XXXX and spoke with a supervisor who informed me that Discover has 120 days to resolve a dispute. That is not my read of XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Back in XXXX Equifax reported on my credit XXXX XXXX. of Health for late child support payments, I also in XXXX, submitted a dispute stating that I had no owed nor late payments with XXXX and account was closed as of 2015. I also sent via fax and upload a Certified letter from the XXXX Credit branch backing my claims. XXXX came the account was completely removed, and stayed that way until recently now there are two duplicate accounts showing for the samething. I contacted Equifax about the error and made a dispute against the duplicate also a week ago but the original account has been put back on my report, and its been four months since I disputed it, I just want to get this all resolved so I can move foward.
Complaint sub-issue: Their investigation did not fix an error on your report

This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached my FTC report that was sent on XX/XX/2021 which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!
Complaint sub-issue: Their investigation did not fix an error on your report

I DEMAND that you ONLY RETAIN VALID CERTIFIABLY METRO 2 format COMPLIANT DATA that is REQUIRED REPORTING per my state 's and or applicable federal reporting laws regarding the late payments
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX XXXX for XXXX $ dollars been paid in full, refernce number XXXX none of the reporting agencies have removed it from or showed paid on my report
Complaint sub-issue: Information belongs to someone else

I would like to remove the inquiries that are were maid with out my written consent. Along with accounts that been falsly opened for year 's under my account.
Complaint sub-issue: Information belongs to someone else

I submitted a letter to the 3 Credit Bureaus to correct this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Kindly discard the following accounts immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX XXXX {$2600.00} XX/XX/XXXX XXXX XXXX XXXX {$1800.00} XX/XX/XXXX XXXX XXXX {$96.00} XX/XX/XXXX XXXX XXXX {$480.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$16000.00} XX/XX/XXXX
Complaint sub-issue: Account status incorrect

I send letters to Credit Bureaus for months and I don't seem to get anywhere! They refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Complaint sub-issue: Problem with fees

XXXX XXXX XXXX XXXX XXXX As stated on my letter XX/XX/2018 the refund has not been credit to my account as stated by Citi due to they sold it to a collection company. As stated we are issuing a full refund. statement credit of {$370.00} that has been applied to my account and will appear on my statement as stated by Citi as they sold it to a collection company that account needs to be bought back due to the fact that there was a dispute then when they had the account to there fee 's that they never took in to account.
Complaint sub-issue: Problem with personal statement of dispute

On XX/XX/2017 I had an unexpected job loss. I continued to make regular payments and eventually entered into a Hardship repayment for 3 months. I was told that the payments during hardship period would be added to the end of the loan. When repayment ended, I was told that I had to pay {$1200.00} because I defaulted on the agreement. My payments show that I made the timely payments. I was also MISLED with information that the shortage of payments would be added to the end of the loan. I made good faith payments until I went back to work and then ultimately paid off the loan. 

I would like to have the 90 day late payments removed from my credit report. 

The Lending Club sent me a letter of explanation, which is different from what the representatives in their customer service area are telling clients.
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ XXXX5 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor. The account listed below should be corrected straightaway : XXXX XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

To summarize my chief points/complaints to the CFBP regarding the subject bank : 1 ) The Company sent several letters, amid the COVID crisis, to my PO Box at an address that was subject to a severe lockdown order, and despite these difficulties, I replied fully, immediately, and appropriately. 
2 ) The Company has disregarded my explicit and documented request to submit informational requests via hard copy mail, which I believe is my right under the Fair Credit Billing Act. 
3 ) The Company has made no additional information requests of me, and has reapplied the disputed items with no written explanation. The oral explanations offered over the phone are inaccurate, nonsensical, and also completely unreasonable expectations for customer behavior in the midst of a national and local crisis. 
4 ) The Company phoned me on Friday XX/XX/2020, ostensibly to discuss its concerns, but provided me not even a single business day to respond before rebilling the account on XX/XX/2020. 

Please see attached detailed account of my dispute with the Company.
Complaint sub-issue: Received bad information about your loan

This involves complaint XXXX which was closed prior to proper resolution.

I applied for XXXX Annual Recertification on XX/XX/XXXX. On XX/XX/XXXX, my XXXX application was denied. Yesterday, XX/XX/XXXX, complaint XXXX was closed incorrectly based on the company 's response.

My wife 's XXXX application was approved on XX/XX/XXXX. My wife is not employed. How can her XXXX be approved and mine be denied when we are married filing jointly?

The only thing that changed in terms of income in the last year was the Trump tax bill. My income at XXXX XXXX only increased moderately due to working full time at XXXX XXXX and XXXX for two months due the necessity of replacing the engine, alternator and rack and pinion on our 2008 XXXX XXXX, a {$7300.00} expense. I remain a XXXX XXXX XXXX XXXX at XXXX. I will be in a similar position next year as I worked full time at XXXX XXXX during the Trump federal government shutdown. My wife remains XXXX.
Complaint sub-issue: Debt was result of identity theft

I was rejected for an apartment due to XXXX reporting a fraudulent account for an apartment that I have never lived at. I disputed to account with them and I am demanding that they remove it immediately as it is hindering me from getting approved for an apartment
Complaint sub-issue: Account status incorrect

This XXXX 's account # XXXX is Paid-in-Full and Closed. However, Equifax CRA and Experian CRA continue to incorrectly report as Open.
Complaint sub-issue: Other problem getting your report or credit score

I am unable to retrieve my credit report or score from Equifax. I recently disputed some information on my credit report and received the results back via mail. The Credit report I received from them states there is a Temporary Update Freeze on file. I cant access my credit report, or score online through their website, or any other website that reports credit information. The last update provided on their website is from XXXX, and when I try to refresh it shows no information available. I have called them to ask about it and nobody can provide any information, which is harmful because If I have to apply for credit and they check with Equifax the company im applying with will not be able to get any information. I have included screen shots of what it shows when you try and access information in my Equifax file from 3 different websites including Equifax
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 {$1700.00}, {$3300.00}.

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 ) -- COLLECTION ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account.
Complaint sub-issue: Other problem getting your report or credit score

Inquiries XXXX XXXX through XX/XX/XXXX were not provided full credit report and score. No score. No correct trade lines. 
XXXX did not advise until XX/XX/XXXX of issue. 

Ive been consistently denied credit for over 1 year and misinformed by XXXX until recent. My bank did not open trade lines and renew because of this.
Complaint sub-issue: Problem with fees charged

ally bank has a 10 day notice policy on totaled vehicles ( from insurance company ). I have clear documentation from ally 's own website showing i contacted them 6 days after the accident and my insurance also contacted them on the 7th day to pay off the loan in full. My insurance attempted multiple times to pay the loan off as shown in documents i have from XX/XX/XXXX and XX/XX/XXXX. i have documentation from XXXX showing they attempted to pay ally on XX/XX/XXXX the total amount but could not because the lien holder could not produce the title. Ally made no efforts to collect regular payments for the months of XXXX, XXXX, XXXX, XXXX and XXXX because they were fully aware of the claim being processed. In XXXX i began recieveing bills from ally for my normal car payment. They claimed it was for interest accrued while they waited for payment from XXXX. XXXX did not receive the perfected title until XX/XX/XXXX even after multiple attempts 4-5 months prior. Ally is refusing to accept documentation in any form other then mail. their customer service department has passed me around for 20+ hours on the phone with no changes, no willingness to help, and ive been hung up on multiple times. They are trying to force me to use gap insurance to pay over {$700.00} in charges that shouldn't be there in the first place. A quick review of their XXXX page will show this is the standard at their business. I also attached a document showing where ally refunded a payment of {$230.00} which brought my balance back up to {$7800.00} which was the exact amount payed to them in full ... proving they were totally aware of the situation on their own website. No one i spoke to could see that info until i brought it up and once i did i was told they would not comment on it.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I have repeatedly asked Equifax to investigate and remove all fraudulent and/or unauthorized inquiries from my Equifax Report.
Complaint sub-issue: Reporting company used your report improperly

I am a natural person. I am a living human being. I have the rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681, And they violated my rights numerous of times. I demand the accounts listed below be removed because XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to 15 USC 1681 ; I have the right to privacy and I did not give Equifax written permission to furnish these accounts
Complaint sub-issue: Funds not handled or disbursed as instructed

I opened account in XX/XX/XXXX, made 3 deposits of XXXX, total amount XXXX, left the money in for 60days, this should have qualified and was also confirmed by customer service to meet the {$500.00}. Savings bonus offer ... .called two months ago and they said need to be 60days, then within 90days after u would receive bonus ... here we are almost 7 months later and nothing has been added to the account ... XX/XX/XXXX statement
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 un 15 U.S.C. 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. 1681 c ( a ) ( 5 ) Section states : no consumer reporting agency may make a 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 7 years. 

XXXX, XXXX : Account # XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX : Account # XXXX