Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Complaint sub-issue: Was not notified of investigation status or results

XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX {$0.00} 15 U.S. Code 1666 XXXX Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Complaint sub-issue: Their investigation did not fix an error on your report

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 XXXX credit bureau to validate these accounts ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not permissible to fail to validate the following reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and update : XXXX XXXX XXXX XXXX XXXX AL XXXX, MOHELA/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$22000.00}, MOHELA/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00}, MOHELA/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, MOHELA/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, MOHELA/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, MOHELA/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00}, MOHELA/DOFED XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX, MOHELA/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}, MOHELA/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}
Complaint sub-issue: Account status incorrect

I live in XXXX, FL and was affected by Hurricane Irma in XX/XX/2017. During that time I contacted XXXX XXXX and was advised that I can be placed on a 3 month forbearance plan that would NOT adversely affect my credit due to the natural disaster assistance. I accepted the plan and made payments accordingly. However, to my surprise, XXXX reported my XX/XX/2017, XX/XX/2017 and XX/XX/2017 payments late. This is an error and a violation under the Fair Credit Reporting Act. 

I am requesting for the 3 late marks to be removed as it has caused my credit score to drop drastically and is causing problems with the purchase of my first home. I expect this issue to be corrected promptly and I need notification of the same. 

You may check the phone records to review calls where I was advised that my credit would not be affected once I was placed on this forbearance. 

I contacted XXXX to resolve this issue and the agent said, I apologize that you were misinformed but there is nothing we can do. This is unacceptable and I feel that I was tricked into getting in the forbearance plan by the agent. If you look at my credit history all of my payments have been timely period to the 3 late marks reported in XX/XX/2017, XX/XX/2017 and XX/XX/2017.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Someone hacked into my Discover credit card account on XX/XX/2019 and made a transfer of {$8400.00} to a XXXX Bank account XXXX in MN. Discover added a transfer fee of {$330.00} to bring the total to {$8700.00}. 
I reported the fraud to Discover Security in late XX/XX/2019. They called me saying that I had verbally approved the transfer so no fraud occurred. Not recalling me doing this I asked them to text me the recording of the call, but they refused, saying it was propriety information, needing a subpoena. 
I filed a fraud report to the Internet Fraud unit of the local XXXX XXXX department. The investigator contacted Discover Security who told the same story that I approved the transfer, so no fraud occurred, so no crime to investigate. 
I filed a complaint with the Internet Crime unit of the FBI in XXXX, and have never had a reply or response. 
Neither XXXX XXXX or Discover Security found out what XXXX Bank account holder received the transfer to get it back, or who hacked into my credit card account, nor did they try. 
Discover focused solely on blaming me ( without disclosing evidence ) and refused to credit the fraud amount to my credit account.
Complaint sub-issue: Their investigation did not fix an error on your report

Hello my name is XXXX XXXX and my personal information was leaked and effected by the data breach that took place in 2017. I wrote a complaint prior but I was emailed that the companies could not find me in there system. I have been experiencing extreme hardships with these fraudulent accounts on my credit report for some years now. I have tried to dispute the issue with the three bureaus but it has been nothing resolved. I've been directed to you guys in hopes to getting these accounts finally removed and end this long and tiredsome process. Thank You.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

The agents at IQ Data reached out to me at my place of work on Wednesday, XX/XX/2020 for a contested debt amount of XXXX, and when I told them I can not take calls from work and I need to speak to them after I get off of work, the agent repeatedly badgered me about why I wasn't able to just transfer funds. When I explained that I was the only one at work and I can not have my phone out at work, the agent stated he found it hard to believe I was the only one at my place of employment and that he doesn't understand why I won't just take care of the debt right then and there. He repeatedly raised his voice and talked over me, even though I asked multiple times to talk later since I was at work. I told him it was inappropriate to take up phone time at my job, especially when I am not to be conducting personal business at work, and that I had patients in the lobby to attend to, as I work at a chiropractor 's office. I am the only front desk and the doctor is the only other employee at this location. I eventually had to hang up as the agent refused to listen to my requests to not be called at work and continued to raise his voice and argue with me. He also asked why I had to wait until I got home to transfer the money since they close so close to the time I would get home.
Complaint sub-issue: Problem with customer service

I have continually tried to contact fedloans.gov to confirm that my PSLF form has been submitted and receive information regarding my loan payments. each time that I call, if I stay on hold, I am on hold for over an hour and when the phone is finally answered it automatically hangs up on me. If I request a call back, it has taken as long as 3 hours to receive that call, and no one answers the line when I pick up the phone.
Complaint sub-issue: Account status

delete all XXXX XXXX collections from all XXXX credit bureaus, for the debt was paid in full.
Complaint sub-issue: Information belongs to someone else

Multiple Accounts on my Report that I am not familiar with
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021, I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Complaint sub-issue: Didn't receive notice of right to dispute

ENHANCED RECOVERY CO # XXXX I'm unware of these accounts and did not have the opportunity to dispute them. Please provide Validation of Debt, Assigment of Debt, and Method of Verification. 

Please provide the " certfied mail receipt '' showing I have recieved the notification, per the law. 

Please all request listed of you will be in violation of the FCRA.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act 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  Account # XXXX DEPT OF ED/XXXX  Account XXXX 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 a account without my written instructions.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Original Transaction : XX/XX/22 XXXX XXXX XXXX Event charge Dispute with Discover on XX/XX/22 Case Number XXXX I bought a ticket to a XXXX XXXX XXXX event. The event was a scam, as there were no XXXX XXXX XXXX  when i got there. I filed a dispute with Discover and they did not refund us as the merchant had set the terms of no refunds and they wouldn't escalate the dispute. No refund terms are null and void if the service they advertised were never delivered. I never received what i paid for and Discover refuses to refund my money. I would like to officially file a complaint against the company to request a full refund.
Complaint sub-issue: Deposits and withdrawals

I transferred XXXX XXXX XXXX XXXX XXXX XXXX XXXX to Discover savings account through an ACH initiated from Discover Bank on XX/XX/22. The transfer occurred on XX/XX/22 and funds arrived on XX/XX/22. The funds were subtracted from my XXXX XXXX XXXX XXXX. 

The funds are on an extended hold at Discover till XX/XX/22 and no explanation has been provided for the delay in funds availability. 

The accounts have been open for several years.
Complaint sub-issue: Account status incorrect

AES is reporting I am 90 days late on my credit reports when clearly on XXXX XXXX XXXX 's website it states that all student loans are suspended at this time. This is harming my credit and credit score. 
Student Loan Payment Pause Extended Through XX/XX/XXXX On XXXX XXXX, XXXX, the U.S. Department of Education ( ED ) extended COVID-19 emergency relief for student loans through XX/XX/XXXX. The emergency relief includes the following measures for eligible loans : a suspension of loan payments a 0 % interest rate stopped collections on defaulted loans Have questions? Find out what loans qualify and get additional information about the COVID-19 emergency relief for student loans.
Complaint sub-issue: Information is missing that should be on the report

You must remove this account that I disputed previously I did sent you the letter through certified mail but you failed to removed accounts that are unverifiable they are not attached to any address of mine so how are the accounts verified.
Complaint sub-issue: Their investigation did not fix an error on your report

Please refer to previous closed complaint # XXXX ( Kindly re-open it ) Company closed the complaint without reading the DISPUTE PART. ( I did no shopping with any of XXXX 's card - I had no idea card existed on my name ). 

XXXX did not issue me credit card on XX/XX/2016 or later .. (  When i applied in store I was told by XXXX XXXX associate because of computer issue they couldn't tell me weather my credit card application was approved or not ) I DENY using any XXXX  's credit card to buy anything..So this {$110.00} ( they asking me to pay me FRAUD!! ) My suspicion is XXXX 's own employees misuse customer 's cards and they did in my case. XXXX should investigate this incident. 

I am collecting data from other XXXX customer 's who had gone through similar FRAUD in that store.
Complaint sub-issue: Debt was paid

I do not own this this to Sezzle I have already paid in full they told me they would take it off and have not yet after six months please help
Complaint sub-issue: Was not notified of investigation status or results

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Complaint sub-issue: Information is missing that should be on the report

I just noticed on my recent XXXX  credit report and also when I pulled my credit on XXXX XXXX that XXXX XXXX XXXX is NOT reporting my paid loan which I have had with them and paid on time for three years now!!! They were reporting it!!! This is causing my credit score to drop as it looks like I have only had credit established for a year and a half which is untrue and it is also pulling my score down due to looking like I don't have a auto loan plus my perfect pay history for this amount of time is also pulling my score down, which is causing me to have to borrow at subprime rates when I have paid perfectly for most of my life!!!!! 

I am going to sue them and all of the credit reporting agencies and WILL contact XXXX XXXX to help me do so if they don't get my accounts corrected NOW and going forward!!! it is the CFPB 's job to make sure they are all reporting correctly and if they do not to sue them themselves and fine them for breaking the FCRA!!!! FIX MY REPORTS and sent me a physical copy of each report from XXXX, XXXX  and Equifax showing all is correct as well as a copy to the CFPB for my file with them, do not close this complaint until all is correct!!!!!! This will be the last car loan I will take out with XXXX XXXX XXXX due to all of the problems associated with it too!!! I want the credit reporting agencies held accountable for their mistakes as well, financially!!!!!
Complaint sub-issue: Information belongs to someone else

i have reached out to Equifax on several attempts in the last 6 months to rectify my credit. I have sent certified letters that reflect letters have been received. I have had no success with speaking with or in writing.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Good afternoon, I have applied for a mortgage and rate shopped with three lenders. According to the Consumer Financial Protection Bureau, shopping around for a mortgage will not have a negative affect on my credit score as it is considered 1 inquiry as long as it is done in a 45 day window. My credit score has dropped on all 3 of my credit checks for mortgages. I called all 3 credit bureaus and was told that that only applied if it was the same mortgage company. One tech even hung up on me. I even quoted the information on the CFPB website and was told that was incorrect. I am not able to dispute or have them correct the information so that it won't affect my score 3 times. The inquiries are : XXXX XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX XXXX  Mortgage Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX
Complaint sub-issue: Debt was result of identity theft

Back in 2013, my purse was stolen containing all of my personal belongings. It was from this moment on that I have had items appear on my credit report. I ignored these for the most part out of ignorance. However, these have grown to become a big problem on my personal life. I have been combating fraudulent accounts on my credit report for months now, and for the most part, these have come off. 
However, I still have BK and an account that refuses to come off of my Equifax report. I have called Equifax multiple times to let the know that these are not mine. I have talked to the creditors. I have submitted documentation over and over ; And these are YET to come off! 

Please submit this complaint to Equifax and XXXX ( EQ has stated they are getting their info from XXXX )
Complaint sub-issue: Their investigation did not fix an error on your report

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. 
You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 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. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly REPAIR all information which can not be verified. 

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

I have been submitting letters since XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my final attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XX/XX/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 XXXX XXXX
Complaint sub-issue: Debt is not yours

I called XXXX in early XX/XX/XXXX to setup internet access. The sales rep and I negotiated the service package and price I'd be paying and set up a date for their technician to come install my service ( XX/XX/XXXX ). Following that call, I then called XXXX and got a better service package for a lower rate than XXXX, which I decided to take. I then called XXXX back and asked them to cancel my previous order. I believed my order was indeed cancelled since the technician did not show up on the scheduled installment date of XX/XX/XXXX. But in XX/XX/XXXX, I received mail from XXXX saying I owed them {$40.00} for a month of internet service. I called XXXX again and explained to them the situation - that I received a bill for an amount I did not owe. I explained that I had cancelled my order before installment and they confirmed that my services were never installed and agreed to close my account and wipe out the debt. I then received another bill from XXXX in XX/XX/XXXX for {$72.00} which I ignored because I believe I had already settled the issue with them. 

In XX/XX/XXXX, I received mail from XXXX XXXX XXXX XXXX, a debt collection firm, saying that XXXX had sold them my debt in the amount of {$72.00}. I wrote them within 30 days disputing the debt and asking for proof that XXXX had sold them my debt. They responded in XX/XX/XXXX with copies of monthly bills from XXXX for my account. I replied to them again specifically asking for " all copies of documents between them and XXXX that incontrovertibly show that XXXX sold them a debt that they ( XXXX ) claimed belonged to me ''. XXXX XXXX XXXX never responded after that. 

In XX/XX/XXXX, I again received mail from another debt collector ( Afni, Inc ) regarding my {$72.00} XXXX debt. It would seem that not only did XXXX XXXX XXXX fail to invalidate my debt, but my debt had again been purchased by another collector.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is incorrectly reporting me as an Authorized User on the XXXX XXXX partial account number XXXX. ( Please see pages 13 and 14 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX  and XXXX  however, Equifax has not removed this from my credit report. I have contacted the bureau to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.