Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.
Complaint sub-issue: Their investigation did not fix an error on your report

I received federal student loans to help pay for college tuition, The loans were in deferment until after I graduated. I had a credit score of XXXX at the end of 2017 and when I applied for an apartment I was informed my credit score had dropped into the 500 's. The reason was there are 8 Federal loans through XXXX XXXX XXXX XXXX that had been reported late for more than 4 months, The total amount of the loans is approximately {$46000.00}. I was never notified by XXXX XXXX when the loans came due for repayment. Once this was discovered, XXXX XXXX was contacted and the issue was resolved, or so I thought. Since I have contacted them, all payments have been on-time. I have disputed this with the credit bureaus as I feel I should not be penalized due to this situation. The disputes upheld the late payments. Student loan debt is hard enough, but to have it ruin my credit through no fault of mine in unacceptable.
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of XXXX XXXX. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I am not on this loan but they are still reporting it to the credit bureaus. My licence was suspended at the time so I could not cosign on the loan. The car is in my wife 's name only. I attempted to dispute through the credit bureaus but that has not worked.
Complaint sub-issue: Didn't receive enough information to verify debt

I sent a validation goodwill letter to both Discover & XXXX originally dated on XX/XX/XXXX asking them to verify the late payments that are showing on my credit report since I never been late on any of my payments. Since I did not hear anything back from them within that 30 day time period I sent them no response letters to each creditor Discover and XXXX XXXX and I sent Section 609 letters to each credit bureaus dated on XX/XX/XXXX and XX/XX/XXXX asking them for proof of the late payments that were being reported on my credit report. After I sent that I received a response from the credit bureau and each creditor. My response from the bureau included a copy of my credit report : XXXX sent me an update in which they changed only in regards to Discover not XXXX XXXX, but XXXX and XXXX  did not update anything. I received a letter from XXXX XXXX and Discover stating they need information from me such as the letter and copy of my credit report in which I sent. Furthermore I sent both creditors what they wanted this included a form from Discover verifying my personal information and XXXX XXXX requested I provide them a copy of the letter they sent with my credit report showing the late payment and then both creditors sent back letters stating they will not be updating anything and I need to provide more information completely ignoring my request.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I placed an order via the drive thru at XXXX. I did not get what I ordered. I attempted to contact XXXX and got no response. I disputed the charge with the bank and they asked for the same information 4 times while not conducting any type of investigation.
Complaint sub-issue: Didn't receive enough information to verify debt

On at least four separate occasions between XXXX and early XXXX, I have requested ERC provide proof that they are legally allowed to collect this debt. I have yet to receive any documentation from ERC, yet they have continued to report this collection account on my credit report.
Complaint sub-issue: Company closed your account

Citibank is ESSENTIALLY IGNORING ME. I have now 7 letters from my Electronic Bill Payment Service stating that there was an incorrect payment address. I will send that to them. They're being HUGELY negligent to my issue and have IMPACTED MY CREDIT. I need HELP ON THIS ISSUE. 
In summery- they CLOSED A PO Box WHERE I WAS MAKING MY PAYMENTS LAST YEAR, the 2nd month into the pandemic. I received notices of RETURNED PAYMENTS and fixed the address by calling CITIBANK. 
They accused my of DELINQUENT PAYMENTS and CLOSED MY ACCOUNT. 
They are in error. They will not admit it.
Complaint sub-issue: Debt is not yours

Good Afternoon, Please remove debt, submitted complaint through CFPB portal which company responded to have debt removed. 

Company letter attached and CFPB full complaint. 

Thank you.
Complaint sub-issue: Their investigation did not fix an error on your report

I am formally requesting with this CFPB complaint to remove the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, the Credit Bureaus are obligated to finish their investigation within 30 days ; please do so, otherwise they will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Complaint sub-issue: Unable to open an account

Dear XXXX, I am writing to present a case that is related to an unsuccessful saving account opening, which could be resulted from the bank 's internal miscommunication or potential internal misbehavior. The bank 's denial, due to a loose tracking and review of a previously closed case, is blocking my right to access my other credit card and checking accounts, as well as the request to open a saving account. 

I applied for the Citi Accelerate Saving Account on Citi 's website on XX/XX/XXXX and funded the account with my Citi checking account ( {$1500.00} XXXX right after the opening. Starting from XX/XX/XXXX morning, Citi blocked my access to my credit card, checking and the new saving accounts without any notification. 

On XX/XX/XXXX, I tried to communicate with their Twitter Ask_Citi agent, Online Chat agent, Customer Service agent, New Account Creation agent and New Account Fraud Service agent. Through the texts, messages and phone calls, I understood my access to all my accounts was blocked due to the failure of that new saving account creation. Their New Account Agent and New Account Fraud Service agent told me the failure was due to a " negativity of one account '' related to my current address. New Account agent directly told me " Citi is losing money on this account. '' I checked all my documentations related to Citi and realized that " negativity of one account '' can be traced back to my checking account application in winter XXXX. I keep all letters and checks to show I do not owe Citi a cent and vice versa. 

The New Account Fraud Service agent heard my statement and told me Citi is going to send me another debit card, but has to cancel my saving account due to that " negativity '' record, which would be on file for five years. I immediately expressed my concern toward this record because : first, it obviously introduces inconvenience to me when I have transactions with Citi ; second, Citi could possibly use the record to claim their benefit or even call for third-party collection. I insisted this false record should be removed to avoid future problems. The New Account Fraud agent refused my request for further escalation and hung up my phone call directly.

I express my wish to provide the copy of all crucial documents to help Citi clear the internal errors. However, through my communication with so many agents, I see no Citi 's agent is taking ownership to help client resolve an existing issue. This is deteriorating consumer 's rights and creating a very deep fear. I don't know who else can help and therefore I would like to seek help from this platform. If you know anyone else who can help, please pass that information to me. 

Thank you for your help.
Complaint sub-issue: Information belongs to someone else

I disputed the inquiry because I noticed it was on my credit report and I did not authorize this inquiry. To dispute this inquiry, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the inquiry was listed, in an envelope sent to the creditor of the inquiry and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, XXXX, and XXXX XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the inquiry, and thus the inquiry must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this inquiry on my credit report because the inquiry was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this inquiry from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The information for this inquiry listed on my credit report is : CREDITOR : XXXX, INQUIRY DATE XX/XX/2021 CREDITOR : XXXX, INQUIRY DATE XX/XX/2021
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX XXXX there is no XXXX party involved in the filing of this complaint and this complaint has not been made in error.
Complaint sub-issue: Deposits and withdrawals

On Thursday XX/XX/XXXX I attempted to make a {$25.00} transfer from my XXXX XXXX account to my XXXX account. However a system error caused the transfer to be processed twice. 


I waited a few days to see if the transaction would fall off my account as it was " Pending '' in my Spending account. However, on XX/XX/XXXX the transaction was still shown as pending on my Spending account but my investment account showed it had been returned for XXXX, insufficient funds. I contacted Digit regarding this requesting that they investigate and my case was escalated with their engineering team. 

To this date I still do not have access to the {$25.00} that has been pending since XX/XX/XXXX at XXXX PM. I have made numerous follow-ups requesting additional information and on XX/XX/XXXX I received the following : I '' do want to assure you that we have been partnering with our engineering team to see what was going on. To explain a bit more, the transfer from XX/XX/XXXX has been returned correctly. The funds from that transfer should be back in your account. In addition, you created a manual transfer of {$25.00} later in the day on XX/XX/XXXX, and that transfer was successful. This means that the amount you are seeing in your account should all be correct. '' This is incorrect. My Digit XXXX account currently shows a {$0.00} balance, a pending {$25.00} withdrawal to my investment account, and does not allow me to make a transfer of {$25.00} as it shows my available balance is {$0.00}. I've forwarded a subledger for my account showing all of my transactions minus the pending {$25.00} withdrawal to Digit and it shows I still should have {$25.00} in my account. This needs to be corrected immediately, it's been nearly a month that this has remained pending and I have not been given access to my funds. 

While {$25.00} isn't a lot of money it's the equivalent of a credit card payment for many folks and the fact that a system error has caused my money to be unaccessible for over a month and for their engineering team to say that it's all fixed and my balances are correct is troublesome to say the least. 

I don't want system errors to cause others to be out of money, potentially even more than just {$25.00}, and Digit has failed to properly address the situation within a reasonable time, thus I have no choice but to seek the help of regulators like the CFPB
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX  and XXXX  are reporting incorrectly tha I am ( 90 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Complaint sub-issue: Problem getting your free annual credit report

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX  and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Complaint sub-issue: Their investigation did not fix an error on your report

I couldnt find the right response. So Im explaining here! Im trying to fix my credit score and a couple of things went off of my report.my score went down for no reason.i bet if a paid for XXXX boost it would not have gone down the credit reporting seems corrupt to me thats my complaint!!
Complaint sub-issue: Investigation took more than 30 days

XX/XX/XXXX Over the last several years, XXXX, Equifax, XXXX has put inaccurate, unverifiable, invalid and obsolete items on my credit report. Ive disputed all of them with no answer, result, or information regarding these issues. 
As Ive been researching and learning ways to fix/protect myself against these negative items, I have uncovered not only that what theyre doing is unethical, but illegal. Over the last several months I have personally sent letters disputing these negative items with explanations but continue to be ignored. 
I have sent my final letters, over 30 days ago and once again a couple of days ago, pointing out that they are in violation with the FCRA, sections 601-629, without a response or resolution. 
I am extremely frustrated, anxious and appalled that it is so easy for these big private companies to take advantage of the public. Because of this, I am urgently reaching out to you to ask for your help and support in resolving this issue. Anything you can do to resolve this and hold them accountable for these unethical practices will be truly appreciated. 

XXXX XXXX XXXX  Amount Owed : {$1100.00} in Collections : XX/XX/XXXX Last Verified Date : XX/XX/XXXX No action. 

XXXX & XXXX XXXX XXXX Amount Owed : {$230.00} Placed in Collections : XX/XX/XXXX Last Verified Date : XX/XX/XXXX No Action. 

XXXX XXXX XXXX Amount Owed : {$1400.00} Placed in Collections : XX/XX/XXXX Last Verified Date : XX/XX/XXXX No Action. 

US DEPT OF EDUCATION Closed Charge Off Amount : {$1600.00} XXXX XXXX XXXX Bank Inquiry for Individual XX/XX/XXXX No Action. 


XXXX XXXX XXXX  Banks Inquiry for Individual XXXX XXXX, XXXX No Action.
Complaint sub-issue: Didn't receive enough information to verify debt

PMAB , LLC has been contact me and reporting to my credit report.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I applied for a student loan through  XXXX   XXXX   XXXX  back in  XXXX  and I placed specific stipulations on the loan. I requested the student pay interest during school, I asked to be notified if the loan goes delinquent and I ask the loan be denied if   XXXX   XXXX   XXXX   XXXX  does not agree to the terms.  XXXX   XXXX   XXXX  removed my stipulations from the documentation and forged my signature to push the loan through. In  XXXX  I applied for a car loan and  American Education Services  came up on my negative credit category for a delinquent loan. I was never notified about the loan not being paid. I have been calling and writing  XXXX  merican Education Services ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , and National Collegiate Trust to get my name removed since I did not agree to or sign for the loan in question. They continue to effect my credit in a negative manner and have refused to address the issue. I filled out a fraud packet in  XXXX  and sent it in but they returned it saying they did not accept the information I entered and that I did not complete the packet to their satisfaction. They have since requested me to fill out another fraud packet but I believe they are only trying to waist time and gather my current contact information. I can not fill out another fraud packet knowing they refused the first one. I have spent 11 years and over 200 hours on the phone trying to get someone to address the matter. I am still in touch daily with AES and can not get in touch with NCT. I have looked in to hiring a lawyer but I was told since it is a government office ti would cost more in fees then the loan. I am looking into a class action  suite and h ave not ruled that possibility out but I need something done to resolve my credit.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

STATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Improper use of your report We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 

YOUR COMPLAINT XXXX. XXXX XXXX has incorrect hard inquiries on my Equifax, XXXX, and XXXX credit report. They are showing inquires from XX/XX/XXXX and XX/XX/XXXX. Inquiries that I did not authorize I do not know what XXXX XXXX is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquires from my Equifax, XXXX, and XXXX report. The inquiry date is XX/XX/XXXX. I would like this inquiry removed immediately as I did not authorize it.