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

I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still that inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INCORRECT INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Inquiries ; XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX I XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$19000.00} ; XXXX XXXXXXXX Balance : {$410.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX, CA XXXX ;
Complaint sub-issue: Information belongs to someone else

These accounts are not my accounts they are FRAUDULENT Im not the XXXX  XXXX XXXX e.g XXXX XXXX, I dispute all of the accounts listed below as FRAUDULENT ACCOUNT XXXX/XXXX {$2200.00} # XXXX/JOINT ACCT, XXXX XXXX  XXXX XXXX {$1300.00} # XXXX, XXXX XXXX XXXX XXXX {$390.00} # XXXX AS FRAUDULENT ACCOUNTS and the Inquiries are disputed as FRAUDULENT Inquiries as FRAUD XXXX XXXX XXXX-XX/XX/XXXX &XX/XX/XXXX, XXXX  XXXX, XXXX XXXX, XXXX , XXXX  XXXX and the FEDERAL TAX LIEN # XXXX XX/XX/2017 {$31000.00} I DISPUTE ALL OF THE ABOVE ACCOUNTS AS FRAUDULENT.
Complaint sub-issue: Account status incorrect

XXXX XXXX is showing as a negative on my XXXX Account and it has been paid in full. The Loan is number XXXX. I would like to have this removed from my credit report. 

thanks, XXXX XXXX
Complaint sub-issue: Attempted to collect wrong amount

I have reached out to all the credit reporting agencies such as XXXX, XXXX and Equifax and tried to dispute the over {$1900.00} claimed on my credit report that I owe XXXX XXXX XXXX. Just recently I've tried to get this erroneous fraudlent debt removed. The credit bureau agencies kept saying per XXXX this debt is valid and true. I have always maintained my stance this is not True. I have been failed by the system. I have been fighting this for over 3 years. Its affected my quality of life renting apartment paying outrageous deposits, higher interest rates etc. Finally just this year XXXX XXXX XXXX managed by XXXX XXXX XXXX have admitted to the error that it was a Giltch in their system. This error was listed on my credit XX/XX/XXXX they claim the error was found XXXX but as late as XX/XX/XXXX XXXX claimed I owed over {$1900.00} even though it should be {$180.00}. It makes it seems like this was a deliberate violation that everyone is cohoots with. How can this happen? I thought all debt were to be validated. I want the bill to be completely expunged for my pain and suffering. See complaint # XXXX where the XXXX of XXXX claims it can take up to over 90 days to correct this items with the credit bureau XXXX This is slanderous, devious and Not right at all. I want this debt immediately removed from my credit. The credit bureau need to have better business practice to safeguard consumers. I will go to the Attorney General Office to file a complaint against all the Credit reporting agencies and seek further guidance what my rights are from a Attorney. How did the original creditor find the discrepancy in XXXX and Nobody knew.
Complaint sub-issue: Their investigation did not fix an error on your report

Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX  and financial XXXX, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Complaint sub-issue: Lender trying to repossess or disable the vehicle

I had 2 years paying for my vehicle, and out of nowhere the financial company called Merficap repositioned the car a black XXXX XXXX XXXX I have not been able to get my car back and apart they have put a debt in my credit bureau. 

paid $ XXXX monthly and they have reported my credit for the total value of $ XXXX and aside an extra debt {$1300.00} These people who will send photos of evidence extorted XXXX $ extra to give me my car The owner of the company is XXXX XXXX
Complaint sub-issue: Right to dispute notice not received

Rent Recover XXXX, LLC posted a collection item on my credit report. I called to inquire about the item and a representative XXXX were extremely rude and disrespectful and insulted me several times. I told her the information she had was wrong and that I would email her an up to date contract that shows I do not owe anything. She refused to accept the notarized contract and called me unintelligent enough to understand. She also refused to allow me to speak with her supervisor before hanging up on me. I have no responsibility to this debt as the real lease agreement was broken by the property owner. I have pictures that show there was no property damage and the real lease agreement is public record filed with the XXXX XXXX XXXX XXXX XXXX under the property address XXXX XXXX XXXX XXXX XXXX IL. Rent Recover refused to acknowledge the real lease agreement and insulted me numerous time. They never sent a notice about this debt before posting it to my credit report. There communication tactics are horrible. They make false statements and never accept real documents. XXXX should be fired and Rent Recover should be closed down.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX is erroneously reporting I have an account open and only provided negative information painting my payment history in a negative light which has directly caused me to be declined by XXXX XXXX for a loan consolidation in XX/XX/2017 on an account for which Ive timely paid for 5 years and over $ 100K.
Complaint sub-issue: Debt was paid

I owed a credit from XXXX. A few months after miscommunication, the account transfered to XXXX XXXX XXXX XXXX. First week of XX/XX/XXXX, i called XXXX XXXX to pay all my remaining balances. I double checked if everything was all paid and they said yes. But a few months after, XXXX XXXX still sending me statements and balances on my credit report. I called XXXX XXXX again to confirm i already paid everything and they said yes, and eventually XXXX will stop collecting debts. Yet, the balance still showing and showed that i've been missing payments which led my credit score to go down.
Complaint sub-issue: Application denied

XXXX the date of XX/XX/2022 I sent the CEO of Discover an email stating my complaints about being denied and was sent back a packet showing everytime that applied for credit and was denied showed so many diff reasons why I couldnt extend credit to them. I know my rights so in my letter I stated which laws they broke then also sent them a letter on XX/XX/2022 stating about what adverse actions that were takin violating my rightXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ignored when I sent this letter but when I sent that letter on XX/XX/2022 about punitive they sent me back a packet stating they have no violated any laws under there policy and there policy does not supersede federal law
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Provide Equifax with a statement provided from the Ftc stating they must block items on my credit report stating they must block the items that are fraudulent. Last chance. This time I do intend to sue for defamation or character and knowingly reporting false information. Will not tolerate blatantly being disrespected by Equifax. Will not contact you because there will be no proof of call. Block information or I will sue no more games Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated 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 updated as soon as possible. 
XXXX XXXX XXXX Balance : {$510.00} ; XXXX XXXX XXXX XXXX Balance : {$30000.00} ; XXXX XXXX  XXXX XXXX Balance : {$40000.00} ; XXXX XXXX Balance : {$41000.00} ; XXXX XXXX Balance : {$33000.00} ; XXXX XXXX XXXX Balance : {$470.00}
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX
Complaint sub-issue: Confusing or missing disclosures

This is about Citibank 's " New account opening '' process online, which poses a serious hazard to its banking customers in the unfortunate event, there is a bank run or financial crisis, as the consumer will not have any Citibank account details to file a claim with FDIC. 
The complaint is about Citibank NOT sharing the Account number immediately at the time of account opening, despite all verifications having been completed, T & C signed and account funded. Citibank proceeded to withdraw funds from customers funding account, but will not provide any details on the Citibank account to which it is posted. 

On XX/XX/2020, I opened a Citibank Checking and Savings account ( referred to as " Citibank Account Package '' ) on XX/XX/2020 using the internet via the following link posted on Citibank 's website " https : //online.citi.com/US/ag/open-cs-acct/index? formCode=deposit-ao & GS=IL & product_list=regular_checking, citi_savings & package=citibank_account & ProspectID=DA908B4B663E4463925A7CF970304571 & Promo_ID=4GZ7YTFGUDCVAT ''. 
The website took me through all the FIVE account opening steps, collecting personal information, ID verification, Employment and Income, Agreement & Disclosure. At the final step, after funds transfer was initiated, the website failed to provide me with my new Citibank ACCOUNT NUMBER. The bank proceeded to withdraw funds from my funding account the following day ( XX/XX/2020 ), but still did not provide any details on my new Citibank account. There was no electronic communication either with account number. I reached out to Customer Service on XX/XX/2020 and the Supervisor was not able to provide new CITIBANK account details. She stated I should wait for my debit card which is sent by regular US mail. After which I would need to register online to get my account number. 
This is a serious risk to its consumers if there were a need to retrieve funds for any emergency or in case of banking crisis.
Complaint sub-issue: Old information reappears or never goes away

Disputed a particular account, the account was removed and then added back on account after receiving notification that it was removed.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act : Account Name : XXXX XXXX Account Number : XXXX, has violated my rights. 

Account Name : XXXX XXXX XXXX Account Number : XXXX, has violated my rights. 

Account Name : XXXX. XXXX, XXXX Account Number : XXXX, has violated my rights. 

Account Name : XXXX XXXX XXXX Account Number : XXXX, has violated my rights. 

Account Name : XXXX XXXX Account Number : XXXX, has violated my rights. 

Account Name : XXXXXXXX XXXX Account Number : XXXX, has violated my rights. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX, 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 an account without my written instructions
Complaint sub-issue: Account terms

Equifax And XXXX XXXX Are Reporting Negative Information On My Credit Report That Is Over 10 Years Old And Closed Over 10 Years Ago. I Have Tried To No Avail To Get This Damaging Information Removed By Contacting Equifax And XXXX.
Complaint sub-issue: Account information incorrect

I pulled my consumer report as of XX/XX/2022, and notice that the following account has inaccurate information and needs to be updated immediately. 

XXXX XXXXXXXX XXXX XXXXXXXX has the following errors : The date opened is different across the three consumer reporting agencies No of Months ( Terms ) is different across the three consumer reporting agencies The date last reported is different across the three consumer reporting agencies Date last active is different across the three consumer reporting agencies Two-year payment history has late payments but the status shows current and is different across the three consumer reporting agencies.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 

I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that  they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
Complaint sub-issue: Reporting company used your report improperly

I am deeply concerned by the recent Equifax data breach. Equifax 's negligence has allowed the personally identifiable information of 140,000,000+ Americans to be stolen. This includes names, date of birth, social security number, past addresses, and loan information. This breach poses a serious threat to all of those affected. The practice of using social security number for loan verification purposes is deeply flawed system and requires swift and immediate overhaul. 

Currently, the only way to protect oneself by placing a credit freeze with each of the three credit reporting firms. This is an arduous process, in which the credit reporting firms attempt to sell identify theft protection at every turn. To make matters worse, if a consumer does freeze their credit they are required to pay the firm in the future to lift the freeze. 

To summarize : 1 : Americans have no choice but to allow these credit rating firms to collect their private information. 
2 : The credit rating firms allow citizens ' private information to be stolen. 
3 : The victims have little protection, if any, and now have a lifetime of worry ahead of them. 
4 : The victims of this crime have to pay the very same firms who leaked their information to protect them. 

Please take action to rectify this grave injustice and protect the American public. Credit rating verification should not be in the hands of these reckless firms. It should reside with government.
Complaint sub-issue: Collected or attempted to collect exempt funds

XX/XX/2006 student loans that were paid off by XXXX XXXX, when they transferred to XXXX my account was obviously not properly updated in XXXX XXXX records. I have paid my loans off and get calls daily, letters that they will garnish my checks. Took my refund from taxes That I have paid OFF previous to the transfer of XXXX  My credit score is getting major impacted on these collections to ECMC. I KEEP DISPUTING THESE CLAIMS AND STILL ON MY TEPORT. I WANT THEM CLOSED AND OFF MY CREDIT REPORT. IT IS UNFAIR TO MAKE FALSE STATEMENTS WHEN THEY HAVE BEEN PAID OFF. THANK YOU
Complaint sub-issue: Information belongs to someone else

XXXX  company is reporting an account on my credit report that I never opened! currently this account is in collections, I have reach out to them and they have done nothing! Still reporting as a collection on my credit report.
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX, XXXX  XXXX and XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX
Complaint sub-issue: You told them to stop contacting you, but they keep trying

Conn 's rep called 4 times per day even after I paid the bill Conn 's is known to charge you {$2000.00} and actually report you owe {$4000.00} on furniture Harrassed me at my job
Complaint sub-issue: Don't agree with the fees charged

I have been paying on my student loan since XXXX. The original load was {$8300.00} on XX/XX/XXXX. 

For several years, I have had my payments auto-debited. {$140.00} is deducted from my checking account monthly. In XXXX of XXXX, my auto-debit continued, but the amount applied to interest changed dramatically. I was current on my loans- in fact, a few months ahead of the loan schedule. There were no issues with payments. I had an APR of 5.125 %. 

In XXXX of XXXX, without warning, the amount of my {$140.00} payment applied to interest went up to {$45.00}. In the following 4 months, XXXX XXXX, 100 % of my payment was applied to interest. So, in fact, my principal actually increased during those months. 

Payments stopped from XXXX XXXX XXXX XXXX XX/XX/XXXX, auto-debit resumed with {$140.00} going entirely to interest. In XX/XX/XXXX, {$77.00} went towards interest. I contacted Nelnet 's help chat function who told me they were pre-charging interest. I asked if I would get a refund if I paid off the account, and I was told no. My balance should be HUNDREDS of dollars lower as that is how I originally set up my auto-debit. I trusted the terms of the payment would not be changed without my consent. 

I would never pre-pay interest on a loan. For over a decade, I paid {$140.00} every month as an amortized loan where the principal continued to be adjusted. I am disgusted that I made my monthly payments and my principal only increased for several months. Now I'm being charged interest on that increased principal.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2019 at XXXX XXXX, I mailed off to " XXXX  '' ; FTC Report, Police Report, Credit Report & a letter stating the fraudulent accounts that was reporting on my credit report. " XXXX XXXX XXXX  '' {$1800.00} account as of XX/XX/2019, is still reporting and has not been removed from my credit.
Complaint sub-issue: Account information incorrect

I sent a dispute letter last month requesting that you remove the following inaccurate accounts or that you update the inaccurate information, and it was ignored. I would like to know what your method of verification was as well as the documentation to prove you performed an independent investigation. 
Where is the proof this investigation was done? Why cant you send it to me? I am re-disputing these accounts. 

XXXX  XXXX XXXX delete this account for inaccuracy because the high balance is {$350.00}, and {$0.00}, last verified date XX/XX/XXXX for XXXX and XXXX has No date reported. 
The date of last activity for XXXX XX/XX/XXXX, for XXXX XX/XX/XXXX, Date reported for XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX Date opened for XXXX XX/XX/XXXX and XXXX XX/XX/XXXX Closed date for XXXX XX/XX/XXXX and for XXXX there is no date at all. 

XXXX XXXX Last verified by XXXX XX/XX/XXXX, XXXX no date, Equifax XXXX date, Date of last activity XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Date reported is inaccurate XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Equifax XX/XX/XXXX, The date opened is inaccurate XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Equifax XX/XX/XXXX, Balanced Owed is inaccurate XXXX {$5900.00} XXXX {$5900.00}, Equifax {$6300.00}, Creditor Type : XXXX has Finance/Personal, XXXX XXXX XXXX XXXX EquifaxXXXX XXXX Dealers XXXX this is inaccurate. 

Last Payment is inaccurate XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Equifax XX/XX/XXXX, Term Length XXXX 62 month, XXXX 62 months, Equifax has no term reported, Last payment XXXX XX/XX/XXXX, XXXX, Equifax XX/XX/XXXX XXXX Past Due Amount : XXXX {$1500.00}, XXXX : {$1500.00}, Equifax : {$1000.00} Please Block and delete this account for inaccuracy Please send me a new credit report Thank You