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

I sent an initial letter on XXXX this year and sent a follow up email last XXXX but received no response from XXXX and TXXXX. I have sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure and negligence to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted punctually. I urge these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. 

They are in violation of Fair Debt Collection Practices Act because they did not prove validity of the debts, they failed to provide evidence to support ownership of the debt, they did not furnish the paperwork required to show 100 % proof that I own the debt.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Equifax lower my score by 79 points with no reason. 
XXXX lower my credit score by 73 points with no reason.
Complaint sub-issue: Don't want a card provided by your employer or the government

I received numerous emails and subsequently a debit card in the mail that I did not apply for under my previous married name for unemployment benefits through the XXXX XXXX. I have called the US Bank number provided on the card and had the card de-activated but wanted to make you aware of the situation in case this is a broader hit to numerous consumers.US Bank number provided on card is XXXX Credit allowed {$40000.00}. Credit card mailing address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. If you require additional information, you can contact me at XXXX. I was also insistent on not providing them with my SS #, as they requested.
Complaint sub-issue: Account status

I use Credit Karma to keep an aprized of all action on my credit. Through Credit Karma I was offered a Pre-Approved XXXX I applied, and got an approval within less than XXXX seconds. I have allways understood that pre-approved things ussually do not result in a Hard Inquiry. Well they must have done XXXX in less than XXXX seconds. The next morning I checked my score on Credit Karma. My score had dropped XXXX points for XXXX, and XXXX points for XXXX. I do not recall giving permission to run a hard-inquiry, and everywhere I looked, a hard inquiry should only cost me XXXX points. Not nearly XXXX. I had just lost another XXXX points over not renewing a XXXX acount. I had 10 years of XXXX XXXX with XXXX. 10 years ago, it was only XXXX XXXX, Now it is an XXXX, XXXX, and XXXX XXXX XXXX, with yearly dues, high-interest, inadaquet reporting to credit agencies. Since I owed no money, I decided NOT to renew or Upgrade my card. The next day, all 10 years of credit history was gone, as well as XXXX points to XXXX XXXX, etc. I had a credit score in the middle XXXX, for which I needed to get an apartment. Now, over XXXX points later, I cant get approved for XXXX. This is ridiculous. I pay all my bills on time, phone, cable, yet none of that counts. These companies have not a care in the world, ruining peoples lives. They allways try and blame someone else. Credit-Karma, then, XXXX XXXX. I would be happy with just the XXXX points taken. Why am I an exception for every rule these companies themselves make? 
The XXXX date I do have is XX/XX/XXXX. That is the day that my XXXX, and XXXX points were taken by the XXXX XXXX. XXXX Score XXXX was used. That is mostly what I have. Oh yeah, the credit companies told me on the phone to take it up with Credit-Karma and XXXX. Credit Karma told me to take it up with the XXXX Agencies. Both XXXX XXXX and XXXX XXXX have yet to reply after more than XXXX e-mails to their XXXX resolution Department. What else can I do but complain to you, and keep on living in a mold-infested apartment for XXXX years while I gain it all back?
Complaint sub-issue: Information belongs to someone else

I have these accounts that are not mine adn iwant them to be removed. 

1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

2. Identity Theft XXXX Account Number : XXXX This is not mine.
Complaint sub-issue: Frequent or repeated calls

I had a loan with XXXX XXXX and after trying to work with them in 2017 to see what I could do to make payments since I couldnt afford them. I was told to apply for a forbearance or deferment right away without getting the option to see about an income driven repayment plan. Not only was I not aware of this but I was told I needed to pay {$50.00} dollars to be put into a forberence state which I couldnt afford to pay since I was living paycheck to paycheck just trying to survive. After all this happened, I stopped answering there phone calls for a short time to reset my thoughts and see about options. The very next time I communicated with them. They were rude, disrespectful and wouldnt let me talk without them talking over me. At the end of the phone call. I told them to stop calling me and to leave me alone. No sooner then the very next day, I started getting phone calls from them day after day after day. I answered quit a few times and told them to stop calling me especially since I was at work the majority of the time but still had no luck. The very last time they called me, I recieved a letter in the mail a couple days later saying they sold my loan to another company. My loan at the time with XXXX XXXX was around 5,800 dollars. By the end of everything when the loan sold, its over 8,000 now.
Complaint sub-issue: Frequent or repeated calls

This company continues to call my place of employment after I told them my manager has requested no more phone calls be made to this number. They are also calling and not even saying the name of who they need to speak to. Some times it is a blank pause and then a hang up. There is aggressive language and behavior when calling, and I have never experienced a loan company like this. I have asked this company numerous time to stop calling and I will deal with business over the number I provided them. We are settling the debt as we speak and they are still calling. I do not want them calling my job any more.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX Name XXXX XXXX XXXX account # XXXX, 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
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

My debt to Citi Cards CBNA in the amounts of {$5700.00} and {$3900.00} were discharged in Chapter XXXX Bankruptcy Court on XX/XX/2018 case # XXXX. I have tried unsuccessfully to have this matter corrected by reaching out to Citi Cards with supporting documents that I will also attach to this complaint. Citi Card did not contest this discharge so this should not show as charged off or owed
Complaint sub-issue: Personal information incorrect

XXXX XXXX Former Address : XXXX XXXX XXXX XXXX XXXX XXXX FLORIDA XXXX I have never lived at this address nor does anyone else. This address belongs to a Drs Office Complex. I have called and complained and was told it would be corrected for over a year now ... and here it still sits. I spoke to them on the phone, corrected this on the phone BUT they want ME to send proof of where I live! I told them to send a letter to THAT address ( which is much easier for me ) and to see that it WILL come back to the sender! OR send me a SELF ADDRESSED STAMPED envelope to me! I'm getting really upset that this hasn't been taken care of in over a year!!
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/XXXX to remove ( personal information, address, accounts name & account Number ) that is 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/block any accounts or information not later than XXXX business days. Ive already included this in my previous complaint # XXXX XXXX, and XXXX & I am including it again., 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Information is missing that should be on the report

After receiving my credit report, I am not happy when I noticed these inaccurate items in it, they are injurious to my score and I want them to get removed as soon as possible.
Complaint sub-issue: Information belongs to someone else

These accounts were all in default with  120+  lates -- transferred and closed ... I disputed with the credit bureaus and told them that there are multiple duplicate student loan accounts on my credit report and if they ca n't determine which ones are duplicate and original, that they must delete them all ... .Yet, I have duplicate student loans on my report and it looks as if I had multiple loans and I had originally borrowerd {$3500.00} now my loans are totaling {$7500.00}. Now it looks like I have numerous loans and I do n't.
Complaint sub-issue: Their investigation did not fix an error on your report

In the month of XX/XX/2021, I sent several disputes to Equifax, with regard to incorrect and inaccurate furnishing of information. Equifax proffered that they corrected the report to reflect all disputed items were deleted. 

In response, Equifax forwarded a report ( dated XX/XX/2021 ) showing no inquiries were included. 


However, on XXXX XXXX, 2021, I submitted an application for a personal XXXX XXXX  Credit Card. On XXXX XXXX, 2021, XXXX XXXX  denied said application, stating in part that " Too many recent inquiries are recorded on your credit bureau report ''. 

Equifax is in violation of 15 USC 1681e " Accuracy of report '' ; whereas, Equifax is providing one version of a credit report to me, ( the consumer ) and a different version to the potential credit grantors.
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent letters to this company seeking that they validate the debt. They have failed to do so. This company sent 1 statement which does not itemize the amount of debt they say I owe them. I have never heard of this company, nor have I ever did any business with them. I have requested copies of any and all letters sent to me on behalf of this company. I have not received copies of all statements, invoices, receipts, summaries of account nor any document that bears my original signature. How then can this company say I owe them but yet they have nothing to substantiate their allegation. This erroneous, inaccurate item should not be reflected on my credit reports.I have contacted this company as well as the credit bureaus ( XXXX, XXXX, and XXXX ) seeking debt validation ( see attached ). This company continues to report this inaccurate, erroneous item to the credit bureaus. Why are they reporting that this account has terms of 1 month. Where is the proof that I agreed to terms of 1 month with this company? This company is violating my consumer rights as well as the mandates of the FDCPA.
Complaint sub-issue: Account information incorrect

My credit score dropped by over 100 points from XX/XX/XXXX to XX/XX/XXXX. 
I have reviewed my credit report and all 3 scores from the main credit bureau. There are 2 accounts in question - my student loan account and my XXXX XXXX credit card. 

I was severed from my job in XX/XX/XXXX. My unemployment benefits ran out in XX/XX/XXXX and at the same time, my APR for that XXXX XXXX credit card increased from 0 % to 19.5 %. I was making payments, on time, but because of the increased credit rate, it put me over the credit limit and the payments I was making were still considered " late '' because I couldn't pay the entire amount. 

If you review both the student loan and credit card history, I have made timely payments for 3+ years. While I had an unfortunate circumstance due to the job loss and lack of income, that should not have affected my credit score by over 100 points in 30 days. The accounts previously mentioned are both current and have been since XXXX and XXXX and are in good standing. In reaching out to all 3 credit bureaus, I can not get an answer on WHY my credit score dropped so significantly in such a short amount of time. Also, due to Covid/Job loss, I would expect some grace would be given in this cirucmstance.
Complaint sub-issue: Problem accessing account

Between the priod of XX/XX/XXXX and today XX/XX/XXXX I have been unable to access my Online banking account. I have followed the proper steps each day to access my account to no avail. I also have received every run-around excuse possible, with extensive promises of expected retun phone calls from XXXX, also to no avail. I have advised that an online Registration issue exist which does not allow me to access my bank accounts online, with no realistic promise of a resolution. When I try to Register my bank debit card online through Citi.com, I receive an error message which states " Looks like something went wrong. Please contact Customer Support for help ''. I believe I need your departments assitance to resolve this access issue as the Citi bank " Customer Service depart '' does not seem capable of resolving this issue. I have reached out to XXXX XXXX in the Citi Executive Response Unit again for assistance as she is quite aware of the previous CFPB complaint # XXXX which was submitted XX/XX/XXXX and was assumed, incorrectly, to resolve this debit card online access issue.
Complaint sub-issue: Card opened as result of identity theft or fraud

In or about XX/XX/2019, I notice credit was established under my name without my approval. I contested this account with the credit bureaus and the creditor stated that this account is valid. I provided the creditor a notarized affidavit and XXXX Police complaint that this account was fraudulently established under my name. But, the creditor rejected the documents. The creditor is not supporting me in this matter and it is getting quite frustrating that my life has been compromise and no matter what I do administratively, it has been denied. I want to escalate matter to show a least a face to the XXXX Police and I requested the creditor to provide identifying information from the creditor so, I can see who established the account and that information was not provided. I was informed from the agent that, my name, social security number, date of birth and address is all what is needed. Photo identification is not required to open this account. I can not afford attorney and due the claim is over {$10000.00}, I can not represent myself in this matter in court. We conclude that our mail box was compromise and while we are at work the culprit check our mail boxes for the cards and had our information to active the cards. Since then, I had place fraud alerts with all the credit bureaus that requires ID verification.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. i submitted my identity theft report to Equifax to have the information blocked according to the ftc that i have the right to do. I was not given a reason why they refused to block the information. Instead they keep disputing the information with the consumer and it comes back verified. I have been trying for months to get this issue resolved but to no avail. the accounts are XXXX XXXX XXXX and a XXXX XXXX account.
Complaint sub-issue: Their investigation did not fix an error on your report

I see multiple 90 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Complaint sub-issue: Debt was paid

I 'm writing because I have paid this debt, and it is still showing on my credit report. They wrote the letter that said payment was received and it was paid in full. Payment was received on XXXX /XXXX /2016. Why is it still showing on my credit report please remove it thank you.
Complaint sub-issue: Investigation took more than 30 days

In 2019, I ( XXXX XXXX ) entered Into a consumer credit transaction XXXX, ( American Student Assistance ) became serving provider a consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 usc 1605 is the sum of all charges in a consumer credit transaction, because I know the finance charge is the sum of all charges I was not expecting a bill, XX/XX/2019 I received a bill which is a violation of 15 usc 1692k, 15 usc 1692 b2 also the company failed to provide me with a right to rescind which is a violation of 15 usc 1635, also failed to provide me with option to opt out of all credit reporting 15 usc 6802, ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is By willfully doing this American Student Assistance has violated many laws according to truth and lending & FDCPA .Also all consumer credit transaction are not supposed be reported without my consent 15 usc 1681b permissible purpose company failed to provide me with opt notice which is a violation of Gramm-Leach-Bliley Act. I have attached my invoice and License.
Complaint sub-issue: Account information incorrect

I have already disputed these accounts and collections XXXX XXXX  but they do not delete me I don't know why I need someone to help me I have already disputed XXXX XXXX and nothing that erases from my credit three XXXX XXXX and three closed accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/XXXX, I received a letter from U.S. Bancorp dated XX/XX/XXXX stating that they were unable to open a checking account for the Plaintiff. The application id was XXXX. As per the letter, the adverse action happened on or around XX/XX/XXXX. However, I never applied to open a new bank account with the bank. I sent an 609e requests which was delivered to them via certified mail on XX/XX/XXXX, XXXXI received a call from XXXX ( Phone number XXXX XXXX XXXX ) confirming that the letter was received. As of now, U.S. Bancorp to provide documents required under 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ) has passed.
Complaint sub-issue: Account status incorrect

Initially reported company to CFPB XX/XX/2019. Company assured that they would correction their error of reporting that I was 30 days late. Company did NOT correct report but yet reported me as now being 90 days late. This has caused me not to be able to send my son to college this semester because his student loan was denied because of the false reporting. Im out of {$7500.00}. This is beyond stressful and illegal
Complaint sub-issue: Account status

XXXX is on my credit that that was originally opened like in XX/XX/XXXX maybe, nonetheless, CREDCO bought the acct in XX/XX/XXXX and it should be out of credit report
Complaint sub-issue: Billing dispute for services

XXXX XXXX-ACCOUNT # XXXX WHY is account reporting different dates of last activity, different dates that the account was opened and different dates of last activity as well as a past due of amount of {$4300.00} all are being reported inaccurately by the provisions of the Fair Credit Report the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 compliance regulations, I have a right to a fair and accurate credit report, and you are to remove any information that is not true, accurate and compliant. Under the law FCRA USC 15 1681 EACH ALL UNPROVEN, INCOMPLETE, UNTRUE, INACCURATE INFORMATION MUST BE PERMANENTLY DELETED.
Complaint sub-issue: Account terms

Equifax is reporting my balance incorrectly on my Equifax Credit Report. This error lowers my credit score and causes a denial of a student loan.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021 I mailed via USPS tracking a letter addressing my concern on a XXXX XXXX  account # XXXX of what was reporting on my credit file. It was received by Equifax on XX/XX/2021 I failed to get any response I once again mailed out a letter letting Equifax know that it was reporting questionable data and yet they ignored my initial letter and my second letter as well. At this point after never responding and doing a proper investigation the derogatory listing needs to be removed.
Complaint sub-issue: Problem getting your free annual credit report

On XXXX XXXX I attempted to get my credit report on Equifax web site and it said the information did not match their records. Equifax has not updated my student loans accounts XXXX XXXX XXXX/XXXX accounts. 

They where consolidated on XXXX XXXX and my Equifax report still shows balances and that the fifteen accounts open with balances. 

This is negligence on their part and I am writing this complaint because they have not updated my report to reflect the account closed and paid.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions
Complaint sub-issue: Information belongs to someone else

I am a victim of fraud and identity theft, I have been disputing fraudulent accounts for years now. I have sent in police reports to each credit agencies and have not been successful in getting the fraudulent information removed. They have taken things off and put them back on again. I have done everything on my end to resolve this issue which is ruining me getting loans, a home and credit. This is a ongoing issue with the credit agencies.
Complaint sub-issue: Personal information incorrect

i have moved out of XXXX XXXX XXXX for the past one year yet the equifax refused to update my to my new current address. 
my old address ; XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX and my new address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX