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

In Late XX/XX/2018 I contacted XXXX, Equifax and XXXX and informed them that the Chapter XXXX & and Chapter XXXX listed on my credit report needed to be removed in accordance with FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) which states, information which can not be verified is required to be promptly deleted. I also included a letter from the United States Bankruptcy Court Eastern District of Wisconsin Office of the Clerk Office. The letter was submitted to support my case that the Bankruptcies should be removed and to show that the Bankruptcy Court does not report directly to any third party agencies.

All three credit agencies responded to my dispute and stated that the information listed on my report had been verified by the furnisher ( XXXX ) and that the information would remain on my credit report. I contacted the credit agencies again and filed a second dispute. I also informed them that I applied and completed a security freeze with the agency ( XXXX ) they claimed verified the Bankruptcies. 

Again, I was told by all three credit agencies that the information was verified by XXXX and was accurate. I contacted XXXX by phone and email and was told that they never verified the information with XXXX, XXXX or Equifax. XXXX also stated that they could not verify any public records because of the security freeze I applied for in XX/XX/2018. 

I then filed a dispute directly with XXXX who claimed to get the information directly from the Bankruptcy Court. In response to my direct dispute with XXXX they sent me a letter which stated that they can not verify any public records after a security freeze is in place. 

I filed a third and a fourth dispute with all three credit agencies. I included a copy of the letter from the United States Bankruptcy Court and I included the letter from XXXX. 

Again, I was told that the information was verified even though, I submitted a letter from the agency they stated verified the information stating it is not possible to verify the Chapter XXXX and the Chapter XXXX listed on my credit report. 

In accordance with FCRA Section 609 ( a ) ( 1 ) ( A ) information that can not be verified must be promptly removed. I have shown and proved that the Chapter XXXX and the Chapter XXXX listed on my credit report can not be verified ; Therefore, the Chapter XXXX and the Chapter XXXX should be removed.
Complaint sub-issue: Reporting company used your report improperly

XX/XX/2022 I sent out a letter to all three bureaus asking them to provide the method they used to retrieve their information. They responded that they receive their information from XXXX XXXX and bankruptcy court in XXXX, MT. XX/XX/2022 I sent another letter to all three bureaus disputing the information and that they were violating my rights. The information came back as verified by all three bureaus. My information was frozen with XXXX XXXX as of XX/XX/2022 and my bankruptcy was deleted with them XX/XX/2022. I was sent a print off from the bankruptcy court website by the clerk of court, proving they did not provide these companies with my information. This notice of complaint will also be sent my attorney general.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed XXXX XXXX with Equifax on multiple occasions. I also disputed again on XX/XX/XXXX. XXXX is paid off and Equifax has it as a derogatory mark and it should be paid status. This XXXX is against compliance and Equifax is also against compliance. This will be my last compliant filed before I sue for not following FCRA laws.
Complaint sub-issue: Funds not received from closed account

My checking account with CitiBank was closed by the bank without any visible reason on XX/XX/XXXX. Meanwhile Ive had a check deposited on XX/XX/XXXX which went on hold. On XX/XX/XXXX I received the letter from the CitiBank Fraud department stating that my account is being closed and that it is going to take 30-60 business days and if I have any funds available ( which was my check ) it will be returned to me by the mail with the official check. It is XX/XX/XXXX and I still havent received my funds. I called them already 6 times and they kept lying to me that the check is going to be sent tomorrow, still nothing. I went to the branch which gave no results either because the banker has no info and has to contact the same department as I. I called them in again today and they said that they need more time to verify, I could not get the answer WHAT actually they need to verify, but I am sure that 7 month is more than enough to verify whatever they need. That long funds withhold caused me a huge damage, especially during the pandemic times, I am in a really difficult financial situation right now and I can not get my money.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

I filed bankruptcy on XX/XX/2018. In XXXX Discover started reporting a new account opened with a balance and 30 days late. This account was not opened by me. They never had any contact with myself or my attorney, never sent a statement and as far as I know even if they did they shouldn't due to bankruptcy protection. It's now XXXX and they are reporting an even higher balance and I now have 120 days late reporting to my credit. When I called they stated it was a charge that was posted a day after the bankruptcy filing. I can't confirm this charge since I've never seen any documentation but even if this is true. They can't fraudulently open a credit account and start billing/reporting during bankruptcy proceedings. I've asked the credit bureaus to remove this and they have not. Since Discover can not provide any proof of communication they should be removing this account and really should be communicating via my attorney. What I'm asking for is this account be removed and that they are in some way responsible for violating the laws that protect consumers from this type of behavior. If this is a true debt owed then they need to communicate via statement and give me proof of the debt along with a proper way to pay the debt. I've attached the document showing the credit bureau stating the discrepancy remains even though Discover can not provide any proof. It also shows them reporting late payments and a second account opened during bankruptcy.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX showing up on credit not mine
Complaint sub-issue: Information belongs to someone else

I contacted Equifax Credit reporting agency back in XXXX, I notified them about a incorrect hard inquiry on my credit report. I placed a freeze on my credit and included a fraud alert. They refuse to contact the company XXXX XXXX to resolve the issue. I contacted Equifax three times. I keep getting a run around and incorrect dispute filings on behalf of the representatives. This is unfair business practices. I also spoke directly with XXXX XXXX that the inquiry was not made by me. I was notified that they had a different address and phone number, and it is indeed fraudulent activity. I shared this information with Equifax and they refuse to do anything to assist, even contacting the creditor. This seems to be a very unfair practice by Equifax, as other credit bureaus do not have this item listed on my report. I was directed by the Federal Trade Commission to report this action by Equifax.
Complaint sub-issue: Information belongs to someone else

The accounts and inquires listed on FTC report I had nothing to do with.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX XXXX XXXX XXXXXXXX Balance {$15000.00} XXXX XXXX, IN XXXX Balance {$3500.00} XX/XX/XXXX XXXX XXXX  XXXX Balance {$2400.00} XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX
Complaint sub-issue: Other problem getting your report or credit score

I paid my car loan off on time and paid off other bills on my credit report and my credit score drop down very low from XXXX to XXXX when you pay bills off on time how they take my score down .now I can not get a car loan because my sore is very low .I was told my score will go up it went down.I talked to the XXXX credit XXXX, XXXX, XXXX. I talk to them aroundXX/XX/XXXX-XX/XX/XXXX ..
Complaint sub-issue: Didn't receive enough information to verify debt

Sent a letter requesting original documentation with original signature for the alleged item. It's been 90 days, have not received any documentation. If the original documentation can not be provided- Please remove alleged item.
Complaint sub-issue: Account status incorrect

incorrect info on my reports 1.XXXX XXXX XXXX XXXX 2019 says missed payment. ( i was never late } 2. XXXX XXXX XXXX : stated XXXX 2019 says missed payment. ( i was never late }
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 items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance : {$8900.00}, XXXX XXXX XXXXI Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXXXXXX 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 XXXXXXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Problem using a debit or ATM card

On XX/XX/XXXX my personal banking account debit card info was hacked and stolen, our main account was cleaned out of funds and the bank finally stopped authorizing additional purchases due to fraudulent activity it determined. I was never noticed and I have alerts on everything on all of our accounts for just this sort of problem. A fraud claim was filed with US Bank ; claim number # XXXX immediately upon us discovering our account had been compromised. It was a nightmare and a lot of leg work on my part to fix this. Im already a victim of identity theft and have been protected ( allegedly ) by XXXX  XXXX XXXXXXXX for many years and still have had problems with exposure of my personal records. I contacted XXXX concerning why I wasnt notified of another breach and they told me that the bank ( US Bank ) never reported it to them. A representative of US Bank informed me they only report fraud on their bank issued credit cards and dont always report theft or fraud on personal accounts. OMG, what good is XXXX or any other Identity Theft and Credit monitoring service if the banks dont report all fraudulent activity. Sounds like a upcoming lawsuit to us. Please help, my identity was first stolen in XXXX and several more times since including the XXXX XXXX breach that exposed ALL of my personal information. I would like investigations into US Bank and XXXX and the other two Credit agencies. No one is really protected!
Complaint sub-issue: Termination fees or other problem when ending the lease early

My initial complaint ( # XXXX ) was responded to me by US Bank. In their response to me they state in paragraph 2 " This fee would have also been removed if the dealership had purchased the vehicle from US Bank at the end of the lease term. Our records confirm that the dealership did not purchase the lease vehicle, and it was returned to the possession of US Bank. '' ( I have attached a copy of that letter ). I am also attaching a copy of my sales receipt showing that the vehicle was " traded-in '', a copy of the payoff sheet to US Bank, and a copy of the check payment made to them from the dealership. The documentation I provided clearly states that US Bank was not truthful in their correspondence to me and I would expect a refund of the {$20.00} payment that I did make to them in good faith while waiting for reconciliation of this matter.
Complaint sub-issue: Was not notified of investigation status or results

I initially sent a series of correspondence to the Credit Reporting Agencies as well as the Actual Creditor.

I am fully aware of how reporting works and found proof of non-compliance in accordance to the E-Oscar and Metro 2 format method ignoring to report. 

Please see attached documents of proof of me sending the letter. In addition to that, please note that they are neglecting my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ). 

It is very serious that you please investigate and resolve as this is destructive to my character and is obstructing my potential to obtain loan.
Complaint sub-issue: Can't temporarily postpone payments

AES is servicing debt from a XXXX but I never signed anything from XXXX, I have no proof that they still own the debt which is required. I have asked for proof but AES claims they only service the loans but they should have that information before they collect any money from someone. I need proof that AES is suppose to collect on this loan and all negative credit marks should be removed by law since no one ever inform me that XXXX purchased this debt. I talked with the credit bureaus and they told me that AES must have this information in order to collect on this loan. I never received and I have recorded calls to prove it. I also recorded other calls and they did not give the mini Miranda on the last XXXX calls with them which I have recorded as proof because I do not trust AES, they are criminals and should be arrested. AES often gives out bad information, their automated system gives out the wrong amount which I have recorded and the supervisor on XXXX/XXXX/15 acknowledged the system was incorrect but they never fixed it. This is illegal per federal law therefore all credit marks should be removed. I need all of the credit marks removed so I can get the loans consolidated with a new company that I trust. XXXX XXXX keeps claiming that I am lying even though I have the recorded calls to prove it. The reps clearly do n't know what they are talking about, XXXX told me they did not have to send me proof that XXXX owns this debt even though they send letter saying I owe every month.
Complaint sub-issue: Information belongs to someone else

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Personal information incorrect

On XX/XX/2021 I contacted equifax via telephone to inform them that my personal name was incorrect. 

They refused to update to correct name.
Complaint sub-issue: Problem with fees

I have a Citi XXXX XXXX card ( ending in XXXX XXXX which I no longer use. I'd called to request that the card be cancelled months ago only to learn in XXXX it was not. There was a balance from a forgotten recurrent charge ( one no longer charged to the card ) so I paid the balance in full on XX/XX/2021 and closed the account and cancelled the card. I had a {$0.00} balance as of that day. I called and had the card cancelled and the account closed. 

Despite carrying a {$0.00} balance, closing the card and cancelling the account, I was charged a {$2.00} interest charge and a {$40.00} late fee XX/XX/2021. 

I was unaware that there was anything to be paid on the card as I had not used it in months and carried, to my knowledge, a {$0.00} balance. 

I was charged another {$.00} interest charge and another {$40.00} late fee on XX/XX/2021. I currently have a balance of XXXX on a closed account with no charges and a {$0.00} charge balance. 

I called Citi to resolve the issue on XX/XX/2021. The representative I spoke to did not resolve the matter then either the call dropped or the representative disconnected. These charges seem predatory. I don't know what further action I could have taken to avoid these fees. As it was, the balance was {$0.00} and the account and card were closed. 

Thank you for your assistance. 

XXXX, XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2019 Equifax dropped my credit score by 29 points due to an a late payment alert on XXXX XXXX XXXX. This account was closed, paid in full, in XXXX of 2019 so there was no payment to have even been made. I contacted Equifax about the issue, and on XX/XX/2019 my score was only updated one point! As this was an error on their part I should have received all 29 points back. Equifax hung up on me, refused to let me speak with a manager several times, then told me I had to pay {$7.00} if I wanted to know my credit score. The same issue happened with Transunion, but they updated my score to the original number immediately. After going in circles and getting no where I am hoping you will be able to get my score updated back to the original score before XX/XX/2019 when it was dropped 29 points. I spoke with XXXX ( employee # : XXXX ) and XXXX ( employee # : XXXX ) from Equifax who were the most rude and unprofessional people I've ever worked with. Please help to fix this error as I shouldn't be punished for their mistakes.
Complaint sub-issue: Reporting company used your report improperly

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
XXXX there is some inaccurate information reporting. 
Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX there is some inaccurate information reporting. 
XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX  Date of inquiry : XX/XX/2022 Delete this account.
Complaint sub-issue: Debt is not yours

Attn : yopuI have a XXXX XXXX bill that I have been trying to dsipute for the last 3 years. The credit bureau are saying the info from XXXX is accurate and updated. The bill does not belong to me whatsoever. Please address the matter with the reporting agency XXXX, XXXX  and XXXX. They are making it so difficult for me to move along with this debt. That does not belong to me. I just recieved dispute letter back from XXXX XX/XX/2018 It states the account has been verfiered as accurate.Outcome ) Updated??

Thank You
Complaint sub-issue: Information belongs to someone else

Im a victim of identity theft someone had opened and applied for student loans two of them. XXXX is the collector.
Complaint sub-issue: Account status incorrect

XXXX XXXX keeps telling me that they contacted XXXX XXXX XXXX XXXX to remove the information since XXXX of 2017 I have call them month after month and XXXX and Equifax have yet to remove the wrong information and when I got the letter from XXXX XXXX XXXX I disputed the letter within the 30 days by law.
Complaint sub-issue: Can't use card to make purchases

I have been a XXXX  member since XX/XX/2019 as an Executive member with number XXXX and also had a Citi credit Card with number XXXX XXXX XXXX. I made payments arrangement via XXXX website where i was paying minimum $ 39 monthly .Then i decided to increase my payment to {$150.00} a monthly via my XXXX  XXXX XXXX Account XXXX I was paying regularly and on time since my payment via my XXXX  XXXX XXXX account was set up on the same day my wages are deposited. Then i decided to close my payments via XXXX account since, i was making two different payments i was unable. I called XXXX and they informed me the payment has been deleted and that i will only be paying on my card via my XXXX  XXXX XXXX Account. After a couple of months i noticed that i was been charged {$44.00} on my account i called Citi and they told me it a return payment ; then i informed them that i always get email confirmation of my payments on the day my direct deposit was paid into my account. Little did i know that Citi did not delete the other minimum payment account of {$39.00} which they had informed me they had deleted. 
In XXXX i reported that my card was missing. I received a new set of cards, activated them but when i went to XXXX to make purchases, my card was rejected. Then i called XXXX and they told me my card was closed!! I asked for what reason they told me i have one or two missed payments in the last six months. But then i told them i do pay regularly because, my payments are tied to my direct deposit so there was no way i could miss my payments. Not knowing that Citi did not delete the {$39.00} payments which was the other payment i was doing. In essence I was making two different payments on my credit card. So when they told me my card was closed i was shocked!! and i felt i was not treated fairly like all other customers. I strongly feel that i have been targetted. For what reasons i have no idea. Prior to this incident, i had complained that i was not treated fairly when my credit limit was arbitrarily reduced without notice after i had made some huge purchase when i moved from XXXX  to XXXX. That affected my credit score as such i reported that i was not been treated fairly and that i was targetted as a customer which against the laws.