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

I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Complaint sub-issue: Was not notified of investigation status or results

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy ( if any ) from my credit report immediately.
Complaint sub-issue: Account status

I see multiple inquiries on my XXXX credit report I did not authorize.I called the agencies listed and they state they did not run these inquiries.
Complaint sub-issue: Can't get other flexible options for repaying your loan

The school I attended is closed. It is on the list from the Department of Education for student loan forgiveness. 
XXXX XXXX XXXX XXXX, who was the owner of the XXXX XXXX XXXX XXXX plead guilty XX/XX/XXXX to charges of bank fraud and tax evasion. 
I was persuaded to get a private loan through XXXX  XXXX XXXX and promised a {$4000.00} grant by expediting the loan at a certain date. ( XX/XX/XXXX ) What I was not told was the loan would start accruing interest the moment it was dispersed. School did not begin until the end of XX/XX/XXXX. My loan was originally {$57000.00}. By the time my loan entered repayment the amount had grown to {$61000.00} ( XX/XX/XXXX ). The grant money was no benefit. 

Payments started XX/XX/XXXX. In over twelve years I have paid over {$26000.00} in interest alone. There is no set APR and the rate continues to rise.
Complaint sub-issue: Investigation took more than 30 days

A collection company that never notified me of an alleged debt reported the debt ( {$110.00} ) to the credit reporting agencies. After disputing the report, all of the reporting agencies removed the item from my credit report except for Equifax. Equifax 's investigation process is severely defective : their website is inaccessible ;  they do not answer phone calls ; their investigation took longer than 60 days and then closed with no contact with me. At no point in the several months that I have been trying to get this resolved has anyone even attempted to contact me.
Complaint sub-issue: Contacted your employer

You are trying to contact me at my job.
Complaint sub-issue: Didn't receive terms that were advertised

I opened a US BANK account that with the promo code XXXX. This promo code promised a {$200.00} account bonus for opening a elite money market account. I have attached the terms of this promotion as an attachment. 

In XX/XX/XXXX, I called a couple days after my account was created to verify that the account had the promo attached to it. I was told that the promo code was attached to it. In XX/XX/XXXX, I called again to verify the promo code was attached to my account and the customer service representative said that the code was not attached to my bank account. Therefore US BANK would not grant me my bonus that was promised at account opening.
Complaint sub-issue: Debt is not yours

I received an alert that a collections account had been added to my credit report by " IQ Data International " for " The XXXX. '' This debt is NOT VALID. There is no debt owed and they have violated both the FDCPA and Texas Property Code. 
FDCPA Violation 808. Unfair Practices Notice of Debt ; Contents 'IQ Data International Never sent a dunning letter. They are required to notify me of any alleged debt along with the contents of the alleged debt. This fraudulent debt being added to my credit report has also caused a FDCA violation for reporting of inaccurate information. 
Texas Property Code Violations Sec. 92.201. DISCLOSURE OF OWNERSHIP AND MANAGEMENT Failed to disclose information - Disclosure to a tenant under Subsection ( a ) must be made by giving the information in writing to the tenant on or before the seventh day after the day the landlord receives the tenant 's request for the information Sec. 92.202. LANDLORD FAILURE TO DISCLOSE INFORAMTION o A landlord is liable to a tenant according to this subchapter if : o ( 1 ) after the tenant or government official or employee makes a request for information under Section 92.201, the landlord does not provide the information ; and o ( 2 ) the landlord does not give the information to the tenant before the eighth day after the date the tenant, gives the landlord written notice that the tenant may exercise remedies under this subchapter if the landlord does not comply with the request by the tenant for the information within seven days. 
Sec. 91.001. NOTICE FOR TERMINATING CERTAIN TENANCIES o Law not followed after notice given Sec. 92.101 through 92.110 o Landlord Never mailed my security deposit or an itemized list of deductions. They had 30 days to mail this information from the date of me vacating the premises per Texas Property Code.

As per Sec. 91.001. NOTICE FOR TERMINATING CERTAIN TENANCIES. My notice included my move out date ( XX/XX/2021 ) and my forwarding address for my deposit and any final invoices. The XXXX never mailed a final invoice nor refund my deposit which is required under Sec. 92.103
Complaint sub-issue: Information belongs to someone else

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft report
Complaint sub-issue: Problem getting your free annual credit report

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Complaint sub-issue: Personal information incorrect

my current address is wrong on my equifax report. I have never lived in XXXX XXXX KS.
Complaint sub-issue: Debt was result of identity theft

I received a letter from a XXXX XXXX XXXX , XXXX. saying that I owe them {$14000.00} on behalf of XXXX XXXX XXXX. As Ive already explained umpteen times to XXXX XXXX, the charges that make up this balance ARE NOT MINE!!! I will not pay a XXXX of this because I do not owe this. They said to write within thirty days if this debt is invalid. So this is my letter and the CFPB is my witness. The debt is invalid!!!
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Credit Bureaus have not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX  Inquired on XX/XX/XXXX XXXX - XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XXXX XXXX, XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Subject Fair Credit Reporting Act 609 I want from Equifax The Original Contract Pay off disclose Interest pay disclose Balance History Payment history Credit insurance From XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

These negative accounts and unauthorized inquiries are inaccurate and wrong. 

REMOVE ALL THE LATE PAYMENTS REMARKS FOR OPEN ACCOUNTS AND DELETE ALL THE CLOSED ACCOUNTS INCLUDING THE INQUIRIES. INVESTIGATE WITH LAWFUL ACCURACY. 

XXXX XXXX XXXX - {$0.00} - XXXX XXXX XXXX XXXX XXXX - OPEN - XXXX XXXX  XXXX XXXX XXXX OPEN - all XXXX XXXX XXXXXXXX - OPEN - all XXXX XXXX XX/XX/2022 Equifax XXXX XX/XX/2022 Equifax XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX IXXXX XXXX XXXXXXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX I will never stop filing complaints against you because I know my rights!

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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: Information belongs to someone else

The inquiries and companies listed are unauthorized and unrecognizable. There is now a lock on my credit as well. 
-XXXX XXXX ; Inquiry Date XX/XX/XXXX -DISCOVER FINANCIAL SER ; Inquiry Date XX/XX/XXXX -XXXX XXXX ; Inquiry Date XX/XX/XXXX XXXX ; Inquiry Date : XX/XX/XXXX -XXXX XXXX ; Inquiry Date XX/XX/XXXX -XXXX  XXXX Inquiry Date : XX/XX/XXXX
Complaint sub-issue: Frequent or repeated calls

Car accident witch the other driver was at fault and company wanted medical insurance information which was provided but it wasnt resolved ... so I was stuck with a bill that I didnt know I had until the phone calls
Complaint sub-issue: Reporting company used your report improperly

The attached accounts were created without my knowledge and charges were made without my knowledge
Complaint sub-issue: Information belongs to someone else

Hello my name is XXXX XXXX, I recently reviewed my credit report and notices a few unauthorized accounts. I have tried resolving the issue on my own but can't seem to have them removed which is why I am now reaching out to you. These accounts are affecting my approval for a new vehicle, which I'm in desperate need of. Please review promptly and have them removed from my report. 
Thank you.
Complaint sub-issue: Charged too much interest

In XXXX, two ( 2 ) payments were made in the amount of {$2000.00} and {$400.00}. The payment amounts should have been applied to a balance subject to interest rate of {$430.00} that expired on XX/XX/XXXX however it was not. On the XXXX statements the full amount subject to the balance transfer offer 4 was added to standard purchase rate in the amount of {$1100.00} calculating an interest charge of {$13.00}. 

The allocation of payments should be to the balance transfer first in accordance with Regulation Z. This is an unfair and deceptive practice. I want the {$13.00} and any other interest charged in XXXX having to do with the balance transfer offer 4 that should have been paid off credit to my account. The only interest I should be paying is the .99 % balance transfer that expires on XX/XX/XXXX and any purchases made.
Complaint sub-issue: Can't use card to make purchases

I was sent unauthorized charges due to an XXXX error on XXXX 's behalf. 
Disputed the charges, resolved the issue. 
Due to the issue, I unlinked my card and closed my account in order to not have any more charges sent. 

Figured coinbase issues were solved so I sign up, verify identity, payment info ... and they will not unblock me to make purchases. I submitted tickets and were told I'd receive a message back in a few days with no response.
Complaint sub-issue: Account information incorrect

On XX/XX/XXXX, I noticed a drastic decline in my credit score. Upon thoroughly reviewing my XXXX report, I noticed an account with XXXX XXXX reporting completely inaccurate balance information. 

The balance on the loan with XXXX XXXX is at {$0.00}. However, XXXX is currently reporting the balance as {$38000.00}. 

This reporting error has caused major damages to my fico score ( 40 point drop ) due to the direct effect to my utilization. 

I sent a letter in XX/XX/21 requesting this error be updated upon receiving the notice of this error. 

That letter was certified and is recorded as being received by XX/XX/21. 

As of today, XX/XX/21, this error is still being reporting as it previously was on on my profile ... in error.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX ran a hard credit report without my consent. I did not request any credit or loan from them. I went to open a momeymarket account for savings only and did not want any other products. I was not told that they would do this. I called them but have not gotten a explanation. I want them to immediately correct this.
Complaint sub-issue: Reporting company used your report improperly

Pull up a copy of my credit report same there were some accounts that reflect inaccurate and incomplete information and we'll need them removed the following accounts in dispute are listed below in capital letters. XXXX XXXX I have not been late as many times as it is reporting I will post proof in the documents below. There are also two medical bills when I know it's illegal to report my public health information without my consent XXXX XXXX HOSPITAL/XXXX  XXXX XXXX XXXX XXXX multiple late fees are on account 's and several accounts I do not know or never done business with and I will be filing a separate complaint with the police report for these accounts as well.
Complaint sub-issue: Threatened to sue on too old debt

I. XXXX Law Firm/Attorney 's ) sent me a letter dated XX/XX/XXXXstating 1 ) they had been retained by INSERT ORIGINAL LENDER, 2 ) notice of opportunity to contact within 30 days to dispute the debt, and 3 ) a statement they are a debt collector. The letter was delivered uncertified. 

II. I responded on XXXX/XXXX/XXXX. In that letter, I asked XXXX XXXX XXXX FIRM/ATTORNEY 'S to validate the date. The letter stated to respond to a specific Notary Public ( who would verify and validate receipt of said validation ) within 30 days. The letter was sent by certified mail and received by XXXX XXXX XXXX ATTORNEY 'S on XXXX/XXXX/XXXX. 

III. I also pulled down my credit report and saw that this debt had been charged off. 

IV. I was served with a lawsuit on XXXX/XXXX/XXXX by XXXX XXXX XXXX FIRM/ATTORNEY 'S regarding this matter. 

Go here and file a complaint against the law firm after you. 

ISSUE : This firm stated they were retained by Small Claim XXXX, That claim is patently false, since the debt was charged off. If Insert Original Lender was still pursuing this debt, it would not be at that status, so this firm has made a false statement regarding its disposition on this matter. Further, this firm has stated they are a debt collector further down in the letter. This indicates that they obtained this debt as third party debt collector. 

The statements made by XXXX XXXX XXXX in the letter are fraudulent and misleading, and intended to intimidate. Further, XXXX XXXX XXXX has extended this fraud into court.
Complaint sub-issue: Information belongs to someone else

To Whom It May Concern, I am looking through my credit report file on XX/XX/XXXX I noticed some inaccurate information. The following information is inaccurate ... I never made any of the following. Was not authorized by me. 

Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I also have a Derogatory mark showing on my credit report. I was told this would be removed. I will send you a picture of it still being up on my report. This should be removed. Any questions feel free to reach out to me.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

CREDIT WAS APPLIED FOR IN MY NAME THAT WAS NOT ME
Complaint sub-issue: Information belongs to someone else

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX XXXX Inquired on XX/XX/2019, DISCOVER FINANCIAL SERVI Inquired on XX/XX/2019, XXXX XXXX Inquired on XX/XX/2019. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Complaint sub-issue: Account information incorrect

Complaint against Discover card account number ending in XXXX For Inquiries XXXX XXXX XXXX, XXXX XXXX XXXX UTXXXX I have been an excellent client of Discover card for over 20 years. I never missed a payment in my history not only with Discover but with all the other credit cards. I purchased XXXX for XXXX XXXX XXXX In XXXX CA account # XXXX for {$100.00} on XX/XX/2019. The services offered by XXXX XXXX  was not reliable and I called to cancel the order immediately. discover issued a credit of the same amount on XX/XX/2019, took the credit back on XX/XX/2019 and on XXXX onwards started charging penalty of various amounts still as of this month. I had multiple communication by phone and 6 communications by emails. But the irresponsible behavior of Discover and unaccountability of XXXX XXXX ignored all of my emails, never responded to me continuing to charge me late fees and are continuing to report it to the credit reporting agencies. My excellent credit history with a top credit score has been dropped from XXXX to XXXX. Discover and XXXX XXXX has violated all rights under the fair credit act fair credit reporting Act. I hereby request the respected FCFB to investigate this matter and help me to have them issue credit for all late charges and take all corrective actions, penalties to correct any related errors in my credit history. 

Attachment communications with Discover discover statements from XXXX copies of the credit reports
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. 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. 

XXXX XXXX XXXX XXXX {$3100.00}
Complaint sub-issue: You told them to stop contacting you, but they keep trying

Today ( XX/XX/2018 ) I received a call from ERC asking for XXXX XXXX. This is the first time they have called asking for this person. The calls have been going on for years now and I repeatedly keep asking them to remove me from their list but it continuously keeps happening. It may not be the same company each time since the numbers are always different and from different states occasionally. I am an XXXX XXXX military member and find it exceptionally aggravating getting calls throughout the day ongoing for several years now. Please help me remove my number forever since I am a XXXX and changing my phone number would be detrimental to achieving my XXXX mission.
Complaint sub-issue: Account status incorrect

I have a business account that is showing on my personal credit - it should not be reporting on my personal report and if it was going to be, someone should have sent to me what I believe is known as a dunning letter so that i can have the opportunity to address the information, edit, acknowledge or correct.     I have had this business account for quite sometime and it was never reporting on my personal report and now ironically it is, plus it is reporting inaccurate information.     For the record when a consumer uses business credit it has a totally different standard -- for example you are not penalized for using the credit, therefore if It had ever been reporting on my personal credit, or disclosed that it may be, I would have never used more than 40 % of the credit so that my credit score would not be impacted. This is unfair and is causing me great harm this account has caused my credit score to be impacted in a very negative way. Ihave never been late on this account and it is showing late and a higher than what is acceptable for personal credit and there is no way to differentiate between personal and business credit on a personal credit profile, and as i said earlier I was never notified of the addition. And anyone who knows me, know that i am  XXXX  about my credit and work very dilligently to pay everything on time and within the guidelines so that my score is never impacted negatively.
Complaint sub-issue: Information belongs to someone else

XXXX  has been really bad about getting my disputes in CFPB XXXX XXXX XXXX  XXXX  XXXX XXXX violations : XXXX filed number for ftc The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved  on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of  that Act REMAINING COMPLIANT UNDER NEW LEADERSHIP Published XX/XX/XXXX Welcome to XXXX! 

XXXX XXXX With the turn of the calendar, the U.S. now has a new Congress and, as of XX/XX/XXXX, a new President. Many are speculating what these developments mean for the automobile finance industry. More specifically : What changes will be made to the leadership, structure or focus of the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC )? 
How will state and local regulators respond to what happens in Washington D.C.? 
What does this mean for dealers and XXXX XXXX? all know company violated the ftc laws