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

I found unverified items on my credit report and according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report. I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from ( Your Name ) credit reports. I demand the account be verified or removed immediately! The law is very clear as to the Civil liability and the remedy available to me for the " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. 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. I demand the following accounts be verified or removed immediately. 

1. XXXX, XXXX  XXXX XXXX 2. XXXX  XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX  XXXX 5. XXXX XXXX XXXX 6. XXXX  XXXX  XXXX  XXXX I want the name, address, and telephone number of the person at the source you contacted and an affidavit under declaration of penalty of perjury from that individual, in other words a fact witness. The Method of Procedure as mandated by 15 USC section 1681 ( i ) ( 7 ) or FCRA section 611 ( a ) ( 7 ). I will expect you to complete your investigation within 30 calendar days from the date you received this dispute or the item being disputed will be unverifiable and subject to deletion. Please note that your Credit Reporting Agency is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on Abusive Acts or Practices. ( Section1031 of the Dodd-Frank Act ) Thank You,
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX CONTINUES TO REPORT A 90 DAY LATE ON MY CREDIT FILE. THIS IS INCORRECT. THIS ACCOUNT HAS BEEN CHARGED OFF ON XX/XX/2019. THIS INFORMATION IS FACTUALLY INCORRECT. THIS ACCOUNT WAS ONLY VERIFIED FOR MY NAME AND ACCOUNT NUMBER. THE ACCURACY OF THIS ACCOUNT HAS BEEN REPEATEDLY IGNORED. 
THE CREDITOR REFUSES TO GIVE THE CREDIT REPORTING COMPANIES PROOF OF THE LOAN DOCUMENTS, DATES OF DISCHARGE, PAYMENT HISTORY, AND CORRECTLY REMOVE INACCURATE UPDATES TO ALL CREDIT AGENCIES. 
I AM FORCED TO FOLLOW UP WITH THE CFPB, FTC, EQUIFAX, XXXX, AND XXXX MULTIPLE TIMES. THIS HAS RESULTED IN COUNTLESS HOURS OF EMAIL, AND PHONE CONVERSATIONS. I BELIEVE THIS CREDITOR CREATES THESE OBSTACLES TO RESTRICT CONSUMERS FROM A PROPER RECOURSE TO THE NEGATIVE FILINGS. 
REPEATEDLY REPORTING C/O EVERY MONTH NOT INDICATING WHEN/IF THE ACCOUNT HAS BEEN SOLD NOT REFLECTING A {$0.00} AFTER TRANSFERRED/SOLD ( DOUBLE JEOPARDY ) REPORTING INCONSISTENT BALANCES ACROSS BUREAUS DATE OF FIRST DELINQUENCY ILLEGALLY BEING CHANGED CHANGES AFTER 180 CHARGED OFF STATUS
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPT ED USDOE/XXXX  US DEPARTMENT OF EDU US DEPT. OF EDUCATIO XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPT ED USDOE/XXXX US DEPARTMENT OF EDU US DEPT. OF EDUCATIO Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPT ED USDOE/XXXX  US DEPARTMENT OF EDU US DEPT. OF EDUCATIO
Complaint sub-issue: Information belongs to someone else

I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 
These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Complaint sub-issue: Investigation took more than 30 days

I sent a letter to XXXX, XXXX, and Equifax on XX/XX/2022. Its been well over 30 days, I still have received anything back. 


According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, XXXX, and Equifax have 30 days to respond to my dispute. 

This a violation of my rights
Complaint sub-issue: Account information incorrect

XXXX  XXXX  XXXX  LLC Date Opened : XX/XX/XXXX on XXXX. XX/XX/XXXX on Equifax XXXX XXXX : {$500.00} on XXXX. {$0.00} on Equifax XXXX Reported : XXXX XXXX. XXXX Equifax Date Last Active XXXX XX/XX/XXXX on XXXX. XX/XX/XXXX on Equifax Date of Last Payment : XX/XX/XXXX on XXXX on Equifax This account is being reported with two different dates of last activity, payments, reported, credit limit, and date opened. If this account is being reported by the same source, why is everything different? Need it deleted for being inaccurate reporting from my XXXX and Equifax. 

This is a violation of reporting false information BY XXXX  on my credit report
Complaint sub-issue: Right to dispute notice not received

This complaint is against MSW Capital, LLC., I sent a certified/return U.S mail request for " notice of right to dispute '' to there business office location MSW Capital , LLC . XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. I sent it on XXXX/XXXX/XXXX they signed for it on XXXX/XXXX/XXXX. XXXX XXXX has stated they have had this account since XXXX. MSW Capital LLC is a debt collector. 

Attached the following documents Address verification from corporation reports, letter sent to MSW Capital LLC XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX, copy of return receipt certified US mail
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

This letter is a formal dispute for a charge on my account for the amount of {$320.00}. I should not be held responsible for these charges because I never received the services from the merchant XXXX XXXX XXXX / XXXX. I paid for the package on XXXX and I attempted on many occasions to contact the merchant to make my vacation package reservations and ultimately to cancel my services without success. As of today, I still have not heard back from the vendor. When I booked my package, the merchant promised to make it easy and convenient to book my travel dates and to make my vacation the very best it can be. At this point, based on my experience with the merchants customer service and given the fact that I was never able to get through to a reservation agent, I prefer not to do any business with them at all. I am requesting that you please investigate the situation as soon as possible and that the charges of {$320.00} and finance charges related to the disputed amount be credited to my account Please be aware that whether I cancelled or not, when I called the merchant to get my services, they were evading me. Enclosed are copies of documentation supporting my position and the terrible and unprofessional experience with this merchant. Last update XXXX XXXX, 2017, Citibank claimed that they mailed me documentation from the merchant which I never received. They asked me to go online and check the letter that was in my electronic correspondence and I did, unfortunately, the letter had a due date of XX/XX/XXXX. I do n't think it is fair that this merchant get paid for services that were not provided. As of today, X/XX/2017, I have not received services from the merchant or the documentation for me to review. I reaffirm that I did not receive any service from the merchant. I am also confirming that the merchant is unwilling to provide the service.
Complaint sub-issue: Other problem getting your report or credit score

I had applied for and received a HELOC in XX/XX/XXXX through XXXX XXXX. At that time I received notification that my credit score was XXXX supplied by Equifax. Subsequent to that I refinanced my primary mortgage and in order to do so, I needed to close out the HELOC, which I did on XX/XX/XXXX. In XX/XX/XXXX, after I had refinanced my primary mortgage, I applied for a HELOC with XXXX Bank again. On XX/XX/XXXX my credit score was reported by Equifax to be XXXX which XXXX Bank used to lower my tier and increase the rate. 

I made several calls to XXXX Bank and to Equifax to obtain the exact information sent from Equifax to XXXX Bank on XX/XX/XXXX and XX/XX/XXXX because my credit report did not show any major events in that time period. In fact, in that timeframe, the closing of the primary mortgage had been reported but the new loan ( the refinanced mortgage ) had yet to show up on the credit report. So how could only that information cause an almost XXXX point decrease in my credit score. 

I was told several times from Equifax that they only provide the information and the score is calculated by the bank, XXXX Bank in this case. I was hung up on and told that they could provide my current credit score but not the score as it existed on XX/XX/XXXX. I was even told that there was no hard inquiry from XXXX Bank on that date, which a look at my credit report will show is a lie. All this time they knew that erroneous credit scores had been reported. 

This was not just an error, this was a deliberate attempt to mislead a consumer and to obfuscate the failure of Equifax.
Complaint sub-issue: Attempted to collect wrong amount

XXXX I purchased a refrigerator, microwave oven and a television from Conn 's Plus Appliances. They delivered the items a week later. Upon delivery I expressed that I did not want them to install the microwave or the television because it was to expensive and I had someone else install the tv. Two days later my husband returned the microwave because it was not the one I originally selected and it was the wrong size and did not fit the inlet space over my stove. They charged me a restocking fee for returning the microwave and have NEVER adjusted my original bill to reflect the deduction for the returned microwave or deducted the charges for the installation of the tv. I payed the monthly bill ( late 2 times ), initially they were harassing me and calling me at work. I asked them not to call me at work and they stopped. XX/XX/XXXX I tried paying the balance off but it is incorrect and I refused to pay the incorrect balance. My payment is due on the XXXX of the month and they call at least 10 times a day for the payment. My husband and I have been to the store and no one is ever there that we can speak with. When they call me at home and I inquire about an adjusted ( corrected ) bill, they say they are transferring me to customer service and the line goes dead. I am at my wits end. I am considering getting a lawyer. I 've tried reaching someone at their home office in Texas, to no avail. I went to their website and it was full of complaints ( I submitted one also ). Please help me get resolution in this matter ASAP! 

Very, very DISGUSTED P.S. My initial monthly payment was late because I was told the first payment was not due till XX/XX/XXXX but it was actually due on XX/XX/XXXX ; I requested my payment date be changed to the XXXX of the month and that was a big hassle also.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

In XXXX I qualified for Social Security XXXX benefits which were transferred to an account with a Direct Express prepaid card. I was incarcerated in AZ in XXXX and the SSI benefits continued to be transferred and were then later reported as an overdraft. Due to my incarcerated I never received these benefits or had access to them. During this time someone accessed my account and withdrew over {$3000.00} using my stolen Direct Express card. After being released Social Security sent an overpayment bill requesting repayment, when I accessed my account the money had been removed without my authorization. I reported the fraudulent activity with Direct Express, they denied my claim in XXXX, XXXX because I had not filed a police report. The website claims to are liable for this type of fraudulent activity, I included evidence and proof to Direct Express Consumer Complaint Department but this was all denied. Several attempts to contact consumer services have lead nowhere. Once I contact a service representative and verify who I am, I end up transferred or on hold for hours only to be transferred again. Most recently I called XX/XX/XXXX and remained on hold for over an hour and half. I was transferred to a completely different company ( go services ), transferred back again and told I was unable to verify because I did not know the phone number used to create this account ( 3 years ago while experiencing homelessness ) and told me there was no way to verify without this phone number. When I first attempted to report the fraud, Direct Express blocked me from the account and I have been unable to access it since. The company claims to repay money transferred fraudulently with a loss up to {$500.00}, however they refuse to acknowledge my reports. Currently, I am unable to repay my SSI because that money has been stolen and Direct Express refuses to help solve this claim dispute. The customer service have been completely unhelpful and I feel that they just do not want to repay this money that is rightfully mine.
Complaint sub-issue: Fee problem

US Bank charged an Analysis Service Charge in my business checking account with them without any reason. 
I called an spoke with a very rude Manager, her name is XXXX XXXX ( Customer Service Manager ) I asked information but she refused to provide information because she said that she can only have access to a personal checking account, not true because I called before to the same customer service and they assisted me with my business account issues. 
Next day in the morning I called and spoke with an agent in the business customer service depto, he said that fee was charged by error in my account and he would request for a refund. 
I waited 2 days with my account overdraft and the fee was not refunded, I am not able to call the business depto because they working hours matches with my working hours and when I finish my work they are close, so the day that I had to call them, I called off to my work losing profit because the issue that US Bank caused me. 
After waiting 2 days for the refund I called Us bank again and the same lady XXXX XXXX came to the line more rude than the first time and I just was looking for answers of why I was lied before about the fee refund. 
I lost money not working because this issue and still not resolved. So probablyI will have to call off tomorrow against just to call Us Bank to see what is going on with that Analysis Fee which is not included in the fees description at the time of my account was open.
Complaint sub-issue: Debt is not yours

XXXX XXXX is claiming I owed them and sold the debt to a collector who has refused to respond to certified mail regarding this debt. I do not owe XXXX any money, I was out of contract when I cancelled my plan with them in XXXX, I believe XXXX or XXXX, I would have to check my records further to confirm the year.
Complaint sub-issue: Information is missing that should be on the report

Equifax refuses to update my credit report and include my new credit card accounts with XXXX XXXX, XXXX XXXX  and XXXX XXXX. 

I've had these accounts for 3 months now. 

We're in the process of filling a class action lawsuit against Equifax.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again 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: Termination fees or other problem when ending the lease early

Hi there, We leased a XXXX XXXXs from the XXXX XXXX in XX/XX/XXXX, which was financed by US Bank. The Lease ended XX/XX/XXXX, in which we returned the vehicle. We have never had a late payment. Returning the vehicle was a nightmare in it's own right, with the US Bank Lease department calling multiple times with threats stating that we never returned the car, eventually confirming that it was returned. We called multiple times in XX/XX/XXXX asking for confirmation that the account was closed and everything was in good standing. 

Fast forward 1 year. It's now been a year and US Bank is calling stating we owe {$600.00} for end of lease fees, and that they have been sending us notifications for the last year, which they haven't. When attempting to access our US Bank account, the account online has been closed and we have no access to the account or any of the statements in question. They are also unwilling to provide us with any of the 'statements ' they state they have been sending us monthly for the last year. Additionally, upon review of both my XXXX account and XXXX, the US Bank account is listed as closed as of XX/XX/XXXX, with a XXXX balance and all payments made in full. However, US Bank is still calling stating that we owe this money threatening to send us to collection.
Complaint sub-issue: Their investigation did not fix an error on your report

This is my second time writing you to update my personal information. I submitted a dispute on XX/XX/2022 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : First & Last Name 2. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX, XXXX SSN : XXXX Address : XXXXXXXX XXXX XXXX  XXXX NY XXXX
Complaint sub-issue: Was not notified of investigation status or results

Information was never sent that account was in dispute and Im sending new documents showing that its in dispute and needs to be removed while under investigation by the CRA.
Complaint sub-issue: Account information incorrect

XXXX damaged my credit score over the years by showing my two student loans opened in XX/XX/XXXX but did not report my first payment until XXXX. My payment history will show that my actual first payment was in XXXX. The Fair Credit Report Act will show that I am entitled to 100 accurate credit reporting. They withheld years of my payment history which lowered my credit age from 18 years to only 5 years on my credit report and the First Report date is how my score is mainly calculated so by XXXX failing to report my correct first payment date in XXXX forward I have suffered financially because their fraudulent and false information lowered my credit score. Also my loan was paid off from consolidation on XX/XX/XXXX but they reported me for having a higher balance on XX/XX/XXXX to the credit bureaus
Complaint sub-issue: Their investigation did not fix an error on your report

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/XXXX to remove these items, which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # 's XXXX ; XXXX ; XXXX & I am including it again. 
XXXX XXXX XXXX Balance : {$440.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$14000.00} ; XXXX XXXXXXXX Balance : {$58.00} ; XXXX XXXX  Date of inquiry XX/XX/XXXX ; XXXX Date of inquiry XX/XX/XXXX ; XXXX Date of inquiry XX/XX/XXXX ; XXXX XXXX Date of inquiry XX/XX/XXXX