Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2022, I mailed Equifax a letter disputing XXXX as erroneous ascertified mail with return receipt requested. I received notification that Equifax had received the dispute letter in the mail XXXX. I have not received a response from Equifax as of XX/XX/2022. In accordance with Section 611 ( a ) ( 5 ) of the Fair Credit Reporting Act, Equifax has 30 days to investigate disputes. Equifax must delete all disputed accounts from my report if they are unable to verify the information within the 30-day time frame permitted by federal law. The disputed and unverified accounts must immediately be deleted. Failure to do so could result in a {$1000.00} fine per item that is not removed. 

In accordance with federal laws, a Consumer Reporting Agencies shall only furnish information in accordance with the verbal or written consent of the consumer to whom it relates. Reporting a consumer 's personal or financial information without prior consent is a direct violation of 15 U.S.C 1681 ( a ) ( 4 ) and is a violation of 18 U.S.C 1028A.

I have enclosed the original letter outlining the disputed accounts. 

Since I am prepared to pursue this matter in XXXX Court, if I do not receive formal notices that these unverified accounts have been removed, I will file a lawsuit for identity theft, invasion and deprivation of privacy, defamation of character, and for impermissible purposes. Please be advised that as part of the legal proceedings, I will be seeking monetary damages for the numerous violations committed against me, the consumer, a natural living person. These compensations are non-negotiable as I have already given you the opportunity to remedy this matter. I'd like you to send me a free updated copy of my new credit report after you've removed these account ( s ).

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. 

Thank you in advance, XXXX XXXX
Complaint sub-issue: Company closed your account

Citi bank savings account was closed without prior communication. No access to account and I was told a check will be mailed in 30-60 days. Several calls where made to the bank but no one gave a reason and no one could expedite the process to receive a check.
Complaint sub-issue: Their investigation did not fix an error on your report

I am a victim of Identity theft. My social security has been used to open credit cards with XXXX and XXXX XXXX. XXXX has validated that credit cards were opened up with my personal information without my consent. I reported the identity theft to the police and reports were made. I disputed all accounts with all three credit bureaus who continue to report the accounts are negative or charged off. 

I am requesting the XXXX accounts be removed for all three credit agencies that are reflecting as negative which are indeed not my accounts. The XXXX XXXX account that is also reported as a charge off be removed because that is not my account, that was opened with my personal information that was stolen. 

Enclosed are copies of the letters I received from XXXX and XXXX XXXX validating my personal information was used to open the accounts without my consent. I am enclosing police reports validating that I am a victim of Identity theft. 
Please remove all accounts listed on my credit reports pertaining to XXXX and XXXX XXXX. 
Sincerely, XXXX XXXX XXXX : XXXX letters confirming my personal information was used without my consent and my social security number was used to open these accounts. Police reports
Complaint sub-issue: Can't close your account

I received a Cash App debit card ( which is a logo trademark of Square Inc. ) which I did not sign up for. I received it in the mail on XX/XX/2020. I do not want this account and I want it shut down. I did not authorize an account to be open. I tried to call the company and they have no telephone support and the message says I need to go online. How can I go online if I have no account set up!!
Complaint sub-issue: Information belongs to someone else

In XXXX of XXXX, I reported to Equifax that an attempt to open a credit card account had been fraudlently attempted, after receiving a text from a credit card company saying my application had been approved, when I had not applied for any card. This fraud activity was proved and resolved, with removal of that credit card from my credit report. I placed an alert on my credit accounts after this, but I received no alert from any of the three credit agencies regarding these fraudulent addresses on my account in between XX/XX/XXXX and XX/XX/XXXX. I recieved word from a family member that they had experienced fraud in XX/XX/XXXX, so I checked my credit report again at this time, finding two addresses that are not associated with me. I reported to XXXX on XX/XX/XXXX a dispute to my credit report that there exists two addresses on my credit report that I have never been associated with : these are a XXXX XXXX XXXX XXXX XXXX XXXX XXXXa and XXXX XXXX XXXX XXXX XXXX XXXX XXXX did not agree that these were disputable addresses because I did not have a police report or FTC report to go along with the dispute.
Complaint sub-issue: Debt is not yours

Hello I hope you guys can help. I have been dealing with this debt for 8 years and no matter how much time goes by I just can NOT get these guys to take this off my credit. After 6 or 7 years ( I forget which ) creditors have to take old debt off your credit report. Legally their are NOT allowed to continue to ruin my credit for the rest of my life over one thing that happened in XXXX. I had gotten some things from XXXX XXXX XXXX XXXX and my house was broken into and all the items stolen then I lost my job and was unable to pay for the items. Well it's been 7 years and they can't just continue to try to collect on that forever and ruin my life over it, it's past the statute of limitations and they're still putting this on my report. It even said on my credit report that it would have to be removed XX/XX/XXXX and they somehow got that date removed now it doesn't have any date for removal. They have to take this down they don't have a choice it's illegal to continue to do what they're doing to me and I need help!
Complaint sub-issue: Account information incorrect

My credit score with all three major credit reporting companies has been over XXXX until XXXX when Equifax dropped my score by XXXX points from XXXX to XXXX even though nothing in my life regarding my finances/debt had changed. I called Equifax on XXXX and was on the phone being passed around to 5 different people for over an hour and was told that they could find absolutely no reason why my score dropped and they could not understand that it had happened ( the call was apparently recorded so they can listen to it ). I then asked that my credit score be but back to where it was ( XXXX ) and was told that there was nothing they could or are willing to do. This is ridiculous as I have worked so hard to get my credit where it is and to have it go from excellent to fair for no reason is ludicrous. There is something wrong here as Equifax is the only one of the three companies that dropped my score, again even though nothing in my financial status has changed. It seems unfair that they can just do what they want and make credit scores whatever they want. I requested 4 times to speak with a supervisor but was never put through to one.
Complaint sub-issue: Account information incorrect

In XX/XX/2021, XXXX updated that my account was closed ( see attached ). I thought they had closed my account as a result of me consulting a lawyer to request that i exit the contract based on deception on their behalf. Therefore, I thought that this account was closed and XXXX had stopped collecting. However, on XX/XX/2021, XXXX reported to the credit bureaus that I was 30 days past due on this account. This was highly confusing and misleading since they had reported that this account was closed. Thus I made a payment to bring this current up to date. I am submitting a dispute on my credit report on the basis that this account is reporting closed at one of the credit bureaus but yet XXXX is still collecting and also on the basis that the balance is incorrect, because this account is now current. I have attached all of the supporting documentation to support my claims above. A fair resolution is for XXXX to stop collecting since they reported that this account was closed or if they can't do this, then to bring this account up to date as current due to misleading the customer into believing the account was closed by reporting this on my credit report and that they had stopped collecting. A fair resolution is for XXXX to stop collecting since they reported that this account was closed or if they can't do this, then to bring this account up to date as current immediately due to misleading the customer into believing the account was closed by reporting this on my credit report and that they had stopped collecting.
Complaint sub-issue: Problem with customer service

I co-signed my daughters college tuition loan, since her father couldn't and she needed the money for school. Before completing her first year, she dropped out of school. The loan is being repayed by my daughter, myself, and her father. Our personal agreement is that we split the loan into 3 payments.

I am about to make a large payment ( my portion of the loan {$5000.00} ) and we are trying to request that I be removed as co-signer on the account, since my daughter does work full time, has her own apartment and is basically taking care of herself. I am in the process of paying off all my outstanding credit as I am going to begin looking to purchase a new home.

One of the questions on the co-signer release form is asking if we are providing her diploma or a certificate of completion. When calling into  Sallie may and talking to XXXX, she advised that if we do not provide this that they will decline removing me as the co-signer for this loan. 

How can she provided this information if she quit school? How is this fair to the consumers? Why is Sallie Mae not allowing the primary applicant to remove the co-signer at their own request. 

I want to be removed from the loan as a co-signed, but Sallie Mae is refusing to do so. 

Is there any help I can get with this, as the practices seem a little fishy and I believe this is out of scope with government guidelines regarding loans.
Complaint sub-issue: Banking errors

I contacted XXXX XXXX on XX/XX/XXXX when I noticed a charge. The charge was from XXXX and I had not received the item as scheduled. I tried to contact XXXX, but could not due to the XXXX rioting in XXXX. I thought my order wasn't delivered because of the mess. I emailed and called XXXX. Finally I received a letter from them saying I wasn't billed and the transaction was not completed and to contact the Bank for any issues with funds. I did this and TCF still has not recovered my funds as promised. 
I have been chasing my money since then and TCF won't stop with their errors. They recently changed their banking hours, started back dating debits with no descriptions, charged overdraft fees despite all the mess with their systems and merger. The reps take no accountability at all.
Complaint sub-issue: Reinserted previously deleted info

On XXXX/XXXX/2015 XXXX XXXX Equifax reported that XXXX remove a debit on my credit in the amount of {$3000.00}, Then after checking my credit report I notice Diversified had recycled the debt on XXXX/XXXX/2015 in the amount oh {$3000.00} I do n't feel this way doe doing business is fair or correct, as long as the the debt is being sold ther will never be an experationa date.
Complaint sub-issue: Public record

Hi! To give you a brief recap, XX/XX/XXXX the IRS had incorrectly assessed a tax lien in the amount of {$130000.00} and which was then subsequently filed/recorded in XXXX separate county clerk offices ( XXXX in XXXX & XXXX in XXXX ) which created XXXX public tax records against me. When I finally became aware of these liens I had one of my attorneys research the matter and it was determined that these liens should have NEVER been filed against me personally. A formal dispute was filed with the IRS XX/XX/XXXX and they subsequently agreed XX/XX/XXXX that these liens were improperly assessed against me and they were immediately released ( see attached correspondence ). 

While other credit bureaus subsequently removed these from my credit file, Equifax has continued to improperly list them. I have made at least XXXX ( XXXX ) formal disputes with Equifax including sending a certified letter to Equifax 's CEO contesting these items and, simply put, have achieved nothing doing so. I 'm not sure if the CEO even looked at my letter but no one at Equifax who reviewed my online dispute seems to understand that these items should be completely removed from my credit file when the IRS itself determined that these liens were, in fact, improperly assessed against me. I 'm not sure where the disconnect lies nor why the Equifax team who handles disputes can not understand the distinction of what happened here. I was told by each of the Equifax representatives I spoke to that I would have to obtain individual releases from each of the county clerk offices where the IRS liens had been filed and this makes absolutely no sense! The IRS sent out lien release letters directly to each of the respective county clerk offices and simultaneously sent me copies of such releases ( see attached ). Equifax is improperly reporting these liens as being satisfied/paid. Again, these liens never should have been assessed against me and the IRS confirmed this. Equifax should completely remove these XXXX derogatory and improper public records from my credit report. 

Thank you in advance for any assistance you can provide in helping to rectify this situation. Sincerely ... XXXX XXXX
Complaint sub-issue: Didn't receive terms that were advertised

On XX/XX/XXXX, I applied for a business checking account at a branch location in XXXX, XXXX  on XXXX XXXX. The account was officially opened on XX/XX/XXXX. 

On XX/XX/XXXX, a deposit of {$15000.00} posted to my account. I have left the amount in the account, untouched, through the date of this complaint, XX/XX/XXXX. That is, I have not made any withdrawals on the account, nor been charged any fees that would reduce my balance. 

Per the terms of their new business checking account bonus, I should have received a {$500.00} bonus for XXXX ) opening an account on or before XX/XX/XXXX, XXXX ) depositing {$15000.00} within 30 days of account opening, XXXX ) and maintaining the balance for 60 consecutive calendar days as of the date of deposit. The bonus will then be credited to my account within 90 days from the end of the month in which the requirements were completed. 

Based on this timeframe, I met the 60-day balance maintenance requirement on or around XX/XX/XXXX and the bonus should have been credited to my account within 90 days as of XX/XX/XXXX. This would mean the bonus should have been credited no later than XX/XX/XXXX. 

I contacted the branch XXXX, XXXX, at the XXXX XXXX Citibank in XXXX, CA on XX/XX/XXXX via phone call. She confirmed I met the requirements and said the bonus will be paid within XXXX business day. On XX/XX/XXXX, I contacted customer service who said to contact the branch XXXX again. On XX/XX/XXXX, I spoke with XXXX again via a phone call, and she recalled that I qualified and said she would call me back but never did.
Complaint sub-issue: Their investigation did not fix an error on your report

In XX/XX/2018, and again on XX/XX/2018 and again in XX/XX/2018, I filed a dispute with XXXX  for XXXX XXXX account listed on my credit report. I got a generic response back of validated, that the account was correct and validated. I asked for the credit bureau to supply me with documentation on how exactly this account was validated according to the Fair Credit Reporting Act. They failed to do so and it has been well over 30 days. I requested for XXXX  not to use the XXXX  or automated system in validating this account. I have extensive reason to believe that this account was not validated according to the Fair Credit Reporting act section 609 a 1 a. Also I have reason to believe that the credit bureau XXXX has violated the Fair Credit Reporting act again by failing to validate the debt within the investigation period of 30 days according to Fair Credit Reporting Act 611. I have repeatedly requested the alleged signed original contract that XXXX  has on file for me because I have contacted this XXXX XXXX XXXX and they have yet to provide me with a signed original contract as well with in FCRA guidelines. I believe since this account can not be validated that according to the Fair Credit Reporting act it should be removed from my credit reports immediately. I have contacted XXXX  via certified mail # XXXX and again via cert mail XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I spoke with XXXX concerning a credit dispute. They did a wonderful job of filing my dispute ( s ) and gettting them removed from my account. However i checked my credit file and as of XX/XX/XXXX, by credit score took a nose dive from XXXX to under 530. My score dropped by 121 points. I couldnt understand why my credit score would drop by 121 points after negative items were deleted. 
Again, positive items were NOT removed but negative items, which means my score should have went up substantially. When I talked to the Customer Service Rep at XXXX they told me that my score possibly dropped because of the " activity on my account '', in particular, I was told that when XXXX went in to remove the unlawful inquiries and did the " dark web '' monitoring, that all this monitoring may have resulted in my score dropping my 121 points??? 

The rep then asked me if I wanted to continue credit monitoring and I cancelled. I told them I dont understand how my account being monitored for suspcious activity would result in my credit score dropping? 

Could you please investigate why my score dropped my more than 121 points with NO positive accounts being deleted and only negative accounts. 

Again, I can I see if positive accounts were deleted however they were not, it was ONLY negative accounts, which means my score should have went up and not down.. 

Lastly, I was told my the rep that there computers/alogirithm is responsible for info and he doesnt understand why my score dropped as well. 

Because of this drop in score, my recent XXXX Loan Application  may be in jeopardy, along with other XXXX  interests.
Complaint sub-issue: Information belongs to someone else

I ordered a copy credit report with XXXX XX/XX/2022 and after receiving a copy of my report, I called your department because I saw some UNVERIFIABLE account on my personal profile ; I noticed that there was a CHARGE OFF account on my credit report. This is disappointing because I have been paying XXXX  to get a report every month and I have been disputing fraud account on my credit report all this time on my personal profile on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with this account listed below, so please help me remove this charge off from my personal profile. A copy of my Utility Bill, drivers license, and Income Tax Return are all included in this written request. Please check payment history, date open, last activity and Status of DISCOVER FINANCIAL SERVICES LLC Account XXXX I believe it was
Complaint sub-issue: Information belongs to someone else

There are 11 XXXX XXXX XXXX account number XXXX in the amount of {$1300.00}, {$3100.00}, {$3800.00}, {$7500.00}, {$3800.00}, {$7600.00}, {$4900.00}, {$5900.00}, {$1000.00}, {$1800.00}, {$3200.00}. This loan is no only of mines and in litigation. These accounts violates my consumer rights 15 usc 1681b ,15 usc 1692j, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f, and 15 use 1681 ( b ) ( A2 ) - costume law I need for u to remove all.
Complaint sub-issue: Public record information inaccurate

I have contacted both XXXX, XXXX and Equifax about the reporting of ( 2 ) fraudulent Chapter XXXX Bankruptcies that are showing on my credit files. When I contacted Equifax they refused to do a proper investigation of the matter and only submitted a request to verify my correct personal information with XXXX, and this does not constitute a proper fraud investigation when I have informed both Equifax, XXXX and XXXX that my information was compromised as a result of identity theft. These bankruptcies also show that they were filed in the state of S.C., however I have never resided in the state of S.C., so it is impossible that I could have ever filed a bankruptcy in S.C. as that would be prohibited. I have never in my life filed any bankruptcy but I have always lived in the State of Georgia so there as many reasons why these bankruptcy records are fraudulent. I have sent both XXXX, XXXX and Equifax my personal statement of these facts, a copy of my police report to prove this was fraud and both of them continue to report information that they know is fraudulent. It is also impossible to file ( 2 ) bankruptcies in a one year period yet both of these agencies claim that I did, but his is 100 % false. These are not my bankruptcies and neither agency are doing proper fraud investigations they are only verifying my name and social security number, and that is improper when I have told both companies I was the victim of identity theft where my information was compromised and uses. <P/>The bankruptcy numbers are as follows : Case XXXX filed XX/XX/XXXX Case XXXX filed XX/XX/XXXX
Complaint sub-issue: Deposits and withdrawals

On XX/XX/2020 I received a refund on my CITI Bank account from XXXX for XXXX, XXXX, XXXX, for 4 roundtrip tickets to XXXX for myself and my husband ( because of COVID-19 flights got cancelled ). On XX/XX/202 CITI Bank withdrew an amount of {$1000.00} from my account. I have called CITI Bank many times and spoke to different supervisors who promised to credit the amount of {$1000.00} to my account and as of yet CITI Bank have not credited the amount to my account. I am asking for the return of {$1000.00} from CITI Bank. I also spoke to XXXX finance department and they informed me that XXXX did not withdraw the amount from the CITI account as they said they had given me the refund and there is no reason to take the funds back. The last I spoke to CITI they advised me that the amount of XXXX was refunded to my account but an amount of XXXX was withdrawn which CITI bank has failed to honor.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX Inquired on XX/XX/2021 2021
Complaint sub-issue: Attempted to collect wrong amount

I have been trying to dispute the late payments and debts that are being reported by the collection company and original creditor multiple times for about 4 months. Procollect and XXXX are reporting the same debt and same late payments. Procollect is the collection agency that purchased the debt and reporting late payment every month. XXXX has the same accounts on my credit with same amount owed, same account number and reporting late payment every month instead of listing as sold and charge off updating the amount of the charge off and late payments affecting my credit every month. Please help.