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

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account XXXX : XXXX XXXX XXXX Account Number : XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, aswillful negligence and non-compliance with federal statutes. Please correct or update the account : XXXX XXXXXXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX  XXXX Balance Owed : {$5900.00}
Complaint sub-issue: Problem with rewards from credit card

Citi claimed that the bonus will be post on my account by XX/XX/2021. While it is already mid XXXX and not a penny of the {$700.00} bonus has been post.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX is now in default after Not adopting reasonable procedures designed to ensure that each periodic statement including the information included by section 1637 ( b ) of this title is mailed or delivered to the consumer no later than 21 days BEFORE the payment due date and NOT removing ALL late payments in all consumer reports PURSUANT TO TITLE 15 U.S. CODE 1666b purpose, unless the creditor has adopted reasonable procedures designed to ensure that A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any each periodic statement including the information required by section 1637 ( b ) of this title ... ; 1. First default : Each periodic statement did not include the information included by section 1637 ( b ) of this title is mailed or delivered to the consumer no later than 21 days before the payment due date. 1a. This includes finance charges which is the sum of ALL payments INCLUDING late payments according to Section 1637 ( b ). No statement was given by the deadline, 21 days before the bill was due that included a " potential '' late payment fee prior to the payment was due. Notice Title 15 U.S. Code 1605 Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit ..., This is a notice of default for XXXX XXXX XXXX XXXX as the affidavit sent in support of my claim was not rebutted and my demands in cease and desist were not met as failure to provide the information required by TITLE 15 U.S. CODE 1666b. This is an opportunity to settle this dispute by providing my request of remedy due to the wrongdoings against me ( Violation of TITLE 15 U.S. CODE 1666b ).
Complaint sub-issue: Account status incorrect

Key Bank is reporting an erroneous debt on my credit file that I do not owe. This debt is really old. Not only is it past the statute of limitations but it is also past the credit reporting limit per the FCRA guidelines. I do not owe this debt and it needs to be removed off my credit file.
Complaint sub-issue: Debt is not yours

I am filing a complaint against MG Credit as I do not have a signed contract with their company. This company is reporting negative information to the credit bureau which is impacting my credit worthiness. I have also attached the search results for Florida which is not showing an active license for this collection agency. According to the state of Florida Attorney General office they most have an license in order to collect in Florida. 

Please have this collection agency submit an active copy of their license to collect in Florida. If the company can not provide, I am requesting this negative account to be removed from my credit file as well as not sold to another collection agency.
Complaint sub-issue: Information is not mine

I have XXXX issues that I have talked to Equifax about and nothing has changed. 

1 : First all my father and I have the same name and address so some of his stuff got reported to my credit. I did however get his accounts taken off BUT XXXX of his inquiry 's stayed on. I disputed it but Equifax left those XXXX on. XXXX was XXXX financial and XXXX XXXX. XXXX XXXX is XXXX 2015 and the XXXX loan ( NOT CREDIT CARD ) from XXXX 2015. 

2 : I had XXXX accounts I DID NOT dispute was taken off my credit and I would like them back. Equifax told me to call the merchant. The merchant told me since the account was paid in full and in good standing and closed Equifax would have to put it back.. The XXXX accounts i want back on my credit are XXXX : XXXX also known as sterling XXXX XXXX : was capital one/ XXXX XXXX. Please ADD those XXXX accounts back to my credit.
Complaint sub-issue: Account status incorrect

I am in the middle of purchasing a home and late payments from Nelnet keep popping up on my XXXX and XXXX  reports. I have reached out via phone and email repeatedly over the last 3 months and received no response. 

I was delinquent in my student loans back in XXXX due to being laid off 4 times in a 2 year period. However, since then I have successfully rehabilitated my loans back in XXXX and they have been transferred to XXXX to be serviced. I can't understand for the life of me why Nelnet is now reporting late payments in XXXX and XXXX. I need this fixed ASAP! 

I have disputed this every month with XXXX and XXXX and for some reason, someone at Nelnet keeps verifying that I'm late. How is it possible that I am late to a company that doesn't hold my debt? And as recent as XX/XX/XXXX?
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately any or one, I would like it removed immediately. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 15 U.S.C. XXXX XXXX Account # 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information ImIs inaccurate. The following inquiry needs to be removed immediately : by the provision of the Fair Credit Reporting Act, i demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify I understand that under 15 U.S.C. Sec 1681i ( a ), they must complete this reinvestigation within 15 days of receipt this complaint.
Complaint sub-issue: Information belongs to someone else

I have these accounts that are not mine and i want them to be removed from my credit. 


1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

3. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

4. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

5. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine.
Complaint sub-issue: Information belongs to someone else

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX, and Equifax Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : 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 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 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: Didn't receive enough information to verify debt

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.

I respectfully request each investigation to be reported to XXXX XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Complaint sub-issue: Can't get flexible payment options

I was in school for a long time. I received an XXXX degree and wanted to further my education. I went on and received a XXXX degree and then went on to receive my XXXX which again had another XXXX within the program. I owe XXXX in debt XXXX for federal loans and XXXX private loans. I should have not finished college. One of my private loans I had to make payments while I was in school. During this time my husband lost his job. So I was in a program which then I had to take private loans to manage everything. My last semester I was considered part time and My loans all became due. I had to take a test to get my licensed to get a good job and it took me about 4 months by then I had XXXX judgement and most of my loans were sold. So when I finally got out and was licensed I had no idea where all my loans were. I had XXXX with AES and I asked them to give me one payment. They would not do this I had several payments everywhere I was so far behind just getting out I only paid a few of them. Now I had that judgement from educap which they sold my loan to a attorneys office. It has been 5 years almost and they just now garnished my wage. I also same time now have another XXXX National Collegiate sold to attorney and they are garnishing my wage I do n't know what to do I am unable to consolidate due to my credit score. I am considering bankruptcy. However, I have spoke with XXXX diff attorneys and received XXXX different scenerios. Please help. XXXX XXXX,
Complaint sub-issue: Their investigation did not fix an error on your report

It is completely unacceptable that after continuous disputes sent on XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and opportunities I've given to Equifax XXXX XXXX XXXX XXXX  XXXX continue to report inaccurate and unverifiable information to my credit reports. I feel completely violated of my rights and they aren't following proper procedures by deleting errors from my reports. 

The credit bureaus continue to report the following items below in total error and refuse to remove them as a result of their claimed investigation that they clearly didn't do.. I have sent multiple letters since middle of XX/XX/XXXX, each month and they continue to report false negative items on my report. There are inaccurate addresses and employer information listed on my reports. I provided them with full proof of address and proof of photo ID as they require Multiple inaccurate inquiries that I did not authorize EVER and were not applications I submitted for credit or loans. These errors of inquiries I did not make or authorize with XXXX XXXX XXXX XX/XX/XXXX - I didn't authorize this and its inaccuarate old info that needs to be removed from my report XXXX XXXX XXXX XX/XX/XXXX - I didn't authorize this and its inaccurate old info that needs to be removed from my report XXXX XX/XX/XXXX - I didn't authorize this and this information is inaccurate The other accounts they continue to report in total error that need to be deleted from my credit reports are XXXX XXXX Acct XXXX, AD XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX SVCS # 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 XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX I have not XXXX ANY verification of how these bureaus have verified that this information is accurate on these accounts with the original company that they claim furnished this info to them and clearly see errors in how they are being reported. There is no justification and this ridiculous. As a knowledgeable consumer, I think its terrible how they use all these stalling measures and act like I'm not who I say I am to avoid having to be held accountable to removing these errors ASAP from my reports. This is affecting my life unnecessarily.
Complaint sub-issue: Their investigation did not fix an error on your report

My grandmother went to get a car around XXXX and she was not approved because of her credit was limited so she asked me to cosign for the car. Unfortunately she XX/XX/XXXXon XXXX of XXXX and we tried to notify the dealership about the problem and they never responded and told me that it was now my problem. They later came to reposes the car without even notifying me or calling me back. Now it popped on my credit report as a repossession and I never even had a chance to make any types of arrangement. I feel like this was handled with complete lack of faith to help from the bank. I even sent them proof
Complaint sub-issue: Investigation took more than 30 days

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.
Complaint sub-issue: Account information incorrect

I have setup Autopay with VW Credit since the beginning of my loan in XX/XX/2021. Starting XX/XX/2021, I began having issues with them taking the money out of my account and was never notified. I continued to make my payments on time. In XXXX I made a payment for the XXXX payment multiple times as well as a {$1300.00} payment in XXXX to cover the XXXX payment that VW Credit kept giving me issues with. For some reason they are reporting a late on my credit for XXXX now. I have no idea why or how this is possible. I have had such a hard time with VW Credit that I turned my lease in early due to how unprofessional they have been. They do not take all measures to contact clients if they have issues collecting payments. They do not call, e-mail and send letters which they legally must do when trying to collect payments. When I called and asked they how come they do not call clients, their responses is that they only send letters or e-mails through the portal which always come in late. They sent me a notice for XXXX 's payment on XX/XX/XXXX which was not within legal reasonable time for me to make a payment since XX/XX/XXXX was a short week due to XXXX. I also did not receive the letter from XXXX until XX/XX/XXXX. Also, the payment was due XX/XX/XXXX ( for XXXX to be considered " late '' ) which is a National and BANK Holiday which means it would not have been processed on the XXXX of XXXX. I ended up getting this disputed off the report after many complaints and e-mails to VW. Now, I am getting a XXXX late payment which is not true. I made a {$1300.00} payment on XX/XX/XXXX and it was pulled from my bank on XX/XX/XXXX. This means that I made my XXXX payment. I turned in my lease on XX/XX/XXXX and today is XX/XX/XXXX, which means I can not have a late payment in XXXX since it was made and we are not 30 days past XX/XX/XXXX. This bank has been XXXX to work with and the reason I terminated my lease with them after 6 terrible months. Now my credit reports are showing a late for XXXX and they are not repsonding to my calls.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have several unauthorized/ unverifiable hard inquiries that Ive been disputing since they appeared on my account. Some have been reported to my XXXX  as well. With documentation they have been removed. Ive went through every single channel and outlet and equifax is making it impossible to remove these inaccurate information. Ive contacted each and every single creditor to these account and they havent and been unable to verify these inaccuracy. My credit rights are being violated and Im making a formal complaint. 

These are the hard inquiry that needs to be removed immediately because its making it hard for me to obtain anything credit related XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

Jefferson Capital System XX/XX/2020 debt collection in the amount of XXXX never received any form of validation letter via mail or electronic from this company.
Complaint sub-issue: Their investigation did not fix an error on your report

When I checked my Complaints # XXXX, XXXX, and XXXX, I discovered that you have closed my complaints last XX/XX/22. Again, the 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX Balance : {$15.00} ; XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX  XXXX Balance : {$660.00}
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 ( a ), 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 e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I have contacted Americollect, twice in 2019 and earlier this year about this situation. I explained to them that I had no debt with their business. And to send a copy of the agreement that I signed. I never done business with them before. They never produced the contract. So a few months go by they are still on my credit report. So I repeated the same phone call to them. Still no response. A year later it's been showing up on my report as customer dispute. The account was fraudulent and they refuse to get off of my credit reportting. I really hate their bulling tactics and unprofessional approach. I'm sure this is not the way things operate.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a loan with HONOR FIN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and HONOR FIN with no successful resolution. XXXX and XXXX  are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX.
Complaint sub-issue: Debt is not yours

I do not know why am I getting charge for this amount.