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

On ( XX/XX/ ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure 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 promptly. I demand 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.
Complaint sub-issue: Problem using a debit or ATM card

I have unauthorized transaction on my TCF Bank Account and I filed a dispute with TCF and send them an affidavit statement of the dispute and my dispute was declined. They did not give me temporary credit nor investigate the claim XX/XX/2020 XXXX {$2200.00}
Complaint sub-issue: Problem accessing account

I am not allowed to link bank account with external vendor XXXX as bank has disabled this feature.
Complaint sub-issue: Account status incorrect

During the Coronavirus Pandemic, I requested a forbearance plan in order to allow for tenants that were not paying rent. This plan allowed us to retain tenants in our rental homes when they were unable to make rent payments. At the time of the Forbearance Plan request the mortgage was in good standing/paid on time. 

30 days before the end of the forbearance ( XX/XX/XXXX ), I requested a post forbearance solution ( flex modification ) from XXXX XXXX via telephone. The agent submitted the request and advised me to call back in 2 weeks ( XX/XX/XXXX ). I called back on or around XX/XX/XXXX. I asked whether I could make a payment as the ending of forbearance would be XX/XX/XXXX and the agent advised I could only pay back the full amount of forbearance ( {$11000.00} ). I explained I had requested a Flex Modification for the post forbearance solution. The agent said to call back in 2 weeks as there was no response yet to the post forbearance solution request. 

I called XXXX back at a minimum every 2 weeks from XX/XX/XXXX until the post forbearance solution was approved on or around XX/XX/XXXX. Each call I asked to make a payment while awaiting the Flex Modification approval in order to protect my credit. I was told by the XXXX agent on each occasion that XXXX could not take any payment except for the full forbearance amount ( {$11000.00} ) and was advised to not make any payment until the Flex Modification was approved. Each time I called the XXXX agent advised me that the XXXX system was not able to receive any payments except the entire Forbearance sum until the Flex Modification was approved. 

The Flex Modification was approved by XXXX Loss Mitigation in the first two weeks of XX/XX/XXXX. Beginning XX/XX/XXXX, the first of three post forbearance Trial Payments were made on time in accordance with the solution agreement ( all 3 trial payments were on time ). 

Even though the mortgage was in good standing and paid on time prior to forbearance in XXXX and all requirements were followed under the CARES Act regarding mortgages in good standing post forbearance : XXXX reported to the credit bureaus Payment History PPA : Partial Payment Arrangement. This Payment History Rating/Remark effectively dropped my Credit Score from XXXX to XXXX in XXXX of XXXX. I urgently request that the PAYMENT HISTORY Rating/Remark of PPA : Partial Payment Arrangement is updated to to " OK '' as the current remark is not warranted or applicable based on the guidelines of the Pandemic Forbearance for a XXXX mortgage.
Complaint sub-issue: Debt was result of identity theft

There is a account being reported by the Merchant XXXX XXXX CARD. Being reported on all 3 of my credit reports indicating a debt owed in the amount of {$800.00}. I never had a account with XXXX XXXX CARD. I am a victim of identity theft this account was open fraudulently. I have filed a dispute with XXXX and XXXX, and I still DISAGREE with their investigation results. I have filed a identity theft report at identity theft.gov and I have filed a police report regarding this matter. The information of me being a victim of identity theft has been reported since 2017 to all 3 credit reporting agencies. As there is a personal statement added to my credit file. I really would appreciate it if you could REMOVE THIS FRAUDULENT ACCOUNT FROM MY REPORT it is being reported as a closed account with debt owed. {$800.00}. Please remove the account in entirety.
Complaint sub-issue: Debt was paid

XXXX XXXX / XXXX keep harassing me about an unreturned cable modem box, even though I have submitted documentary evidence ( XXXX Receipt ) that I did return the cable modem box. 

They have filed collections notices with the three credit bureaus even though I submitted them the proof. 

Now today ( XX/XX/2019 ), I get a call from another Collections Agency IC System Inc.

regarding this issue. 

I
Complaint sub-issue: Didn't receive terms that were advertised

On XX/XX/XXXX, I opened a Citibank checking and savings account with the agreement that I'd be given a {$400.00} bonus. Citibank 's requirements : " Within 30 days of opening your account deposit {$15000.00} New-to-Citibank funds between the new checking and savings accounts.

Maintain a minimum balance of {$15000.00} between the checking and savings accounts for 60 consecutive calendar days. 
Get {$400.00} deposited to your account! '' By XX/XX/XXXX, I met the requirement of depositing {$15000.00} in my checking account. 
I have kept the {$15000.00} in my checking account to this day of XX/XX/XXXX. My balance never dropped below {$15000.00}. After 60 days, I called Citi to check on the status of the bonus, and confirmed that I have met the requirements. The customer service rep said I'd have to wait 90 days from the day I met the requirements. After 90 days I called again to check the status, and was given another delay. They said they'd open an investigation. Their investigation determined : " Unfortunately, your account does not qualify for this promotion because the linked savings account closed. '' Well, Citibank closed my savings account without my consent! They closed it because it had a {$0.00} balance. It was closed after 90 days due to inactivity. I had already met the requirement of keeping a {$15000.00} balance between my checking and savings account for 60 days, so it's irrelevant that it was closed after 90 days. 

Furthermore, the document they sent me explaining why they denied the bonus was incorrect in saying I opened the accounts with the {$50000.00} balance requirements. I opened the accounts with the {$15000.00} requirements for the {$400.00} bonus. 

Citibank customer service phone number is impossible to connect to anyone who can help. One rep tried to transfer me to a " supervisor '' and I was placed on hold for more than an hour.
Complaint sub-issue: Reporting company used your report improperly

MY CREDIT SCORE : ON XX/XX/XXXX XXXX, ON XX/XX/XXXX XXXX, -2.

ON XX/XX/XXXX XXXX, - 22 ON XX/XX/XXXX XXXX, -7 ON XX/XX/XXXX XXXX -31 IT APPEAR TO ME THAT THEY HAVE LOST TRACK OF THE BUSINESS, WHEN ON XXXX THEY TOOK 22 POINTS OFF ME I CLOSED XXXX XXXX CHECKING ACCOUNT THAT I HAD SMALL BALANCE AND I WAS NOT USING IT, AND I CLOSED TWO OTHER CREDIT CARD WITH XXXX BALANCE TO IMPROVE MY CREDIT SCORE BUT TO MY SURPRISE IT HAS RESULTED TO LOSS OF ADDITIONAL 31+7=38 POINTS, I HAVE OVER 30 YEARS OF CREDIT HISTORY AND HAVE ALWAYS KEPT MY CREDIT CRISTAL CLEAR NOW ALL OF A SUDDEN THEY ARE RUINING MY CREDIT SCORE I GUESS JUST BECAUSE I JUST TURNED XXXX OFFICIALLY MAKES IT ELDERLY ABUSE, PLEASE HELP!!!
Complaint sub-issue: Account information incorrect

Notice to agent is notice to principle, this should serve as a written notice to the Equifax that I XXXX XXXX need immediate action taken, and a copy of my consumer report within 7 days. It appears as adverse action has been taken against me, please check the following accounts for 100 % completeness and accuracy so my consumer report is fair and equitable to me : XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX. These accounts and their history should be removed or reported positive.
Complaint sub-issue: Debt resulted from identity theft

AFNI , INC . 
ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you AFNI, INC. or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : AFNI, INC. or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX XXXX XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed items which do not belong to me. I researchedand found out that under section 605b of the FCRA CREDIT BUREAUS are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report and the bank 's records ( learned through more research both parties require ). Please remove these files listed Below : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, NV XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XXXX XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXXXXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; If you feel there is a possibility these items belong to me I will require all documentation that bears my signature XXXX another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If XXXX, EQUIFAX and XXXX do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021, I sent a letter to the credit reporting agency regarding inaccurate, misleading and unauthorized information on my credit. To this day over 35 days, i have never received a response and this is frustrating. I was told that if i sent a letter the credit reporting agency must investigate and reply to my requests. If the reporting agency fails to investigate, it must be deleted from my credit report. I request these items to be deleted since i am being ignored from the reporting agencies. In addition, i was affected by the equifax data breach that happened and my info must have landed in the wrong of the wrong person.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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 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: Information belongs to someone else

I had two credit cards with XXXX XXXX XXXXXXXX, both of which have been coded as bankruptcy. Although my report does n't officially show a bankruptcy ( because i have never filed bankruptcy ) it does state under the notes that accounts were discharged in bankruptcy, and this information is inaccurate. My mother was  the person who filed bankruptcy. I have brought this matter to XXXX XXXX XXXX in various opportunities within the last 2 years, to no resolution. Nobody is willing to help me. I have been turned down for credit, and the only reason is because my report states that XXXX XXXX XXXX reported an account in Bankruptcy. In the past, credit agencies have closed their inquiries because they state that I do not have a BK on record, however, when you did into the XXXX XXXX XXXXXXXX accounts, the notes they provided indicate that there was a bankruptcy, and this is picked up when i apply for credit. These accounts have also been closed for many years. Please have them remove these accounts from my credit altogether.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting act XXXX Account # listed below has violated my rights. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Hotel and travel ) XX/XX/XXXX XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX Currently on-time 1 Missed Credit cards XXXX XXXX XXXX Currently on-time 3 Missed Other loans XXXX XXXX XXXX Currently on-time 4 Missed XXXX XXXX Currently on-time 4 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXXXX/XX/XXXXXXXX XXXX XXXX, XXXX XXXXXX/XX/XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX, XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department of ed/XXXXXXXX Department of education XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602A. 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 witout my written instructions.
Complaint sub-issue: Account opened as a result of fraud

XXXX from Direct Express Debit XXXX XXXX ( XXXX XXXX XXXX XXXX, valid thur XX/XX/XXXX. ) send me a debit card. I call their customer service XXXX on XX/XX/XXXX, at XXXX, that I never apply for the card. All the customer service ask and repeated for my social security number only and then they hang up. I did a little research on the web that this is a fraud and now I do n't know what to do now that they had my social security number. The debit card as comerica bank on top right of the card.
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable Here is the account that is mentioned : XXXX XXXX XXXX : {$27000.00}
Complaint sub-issue: Threatened to arrest you or take you to jail if you do not pay

A debt collector is saying he can take away my business license and property over my employees debt. He is calling 2-3 times a day, and only when the employee is not at work. I'm XXXX years old. He says he's sending the sheriff out to close my business down. My employee only gets paid monthly but he is calling everyday. The company is called Commercial Adjustment in XXXX, XXXX. He not only calls the business, but calls my personal cell phone. His harassment calling me on my cell phone almost caused me to have an accident in my car.
Complaint sub-issue: Debt is not mine

I moved from XXXX in XXXX XXXX and paid all debts off including XXXX XXXX. I began receiving mail and calls from XXXX trying to get over {$400.00} from me claiming I told them to put my account on hold for 9 months. I sent mail and called XXXX to tell them they messed up and I never asked for a " hold '' on my account since I did n't even know where we 'd be living let alone what tv or phone services we 'd need. We used XXXX XXXX while we lived in XXXX from XXXX XXXX to XXXX XXXX and I have a letter proving this fact. I recently found out XXXX sent me to Allied Interstate Collections and it affected my credit score. I 've explained this again to XXXX and the collection office and I 'll be sending the documentation to Allied as well. I WILL NOT BE BULLIED into paying any money I do n't honestly owe. Both XXXX & Allied tried to scare me into paying and I was very clear that I ALWAYS pay what I owe and that I would not pay them a dime. They are thieves.
Complaint sub-issue: Account status incorrect

XXXX and XXXX are reporting duplicate accounts for the same account that has been paid in full.
Complaint sub-issue: Their investigation did not fix an error on your report

I'm " XXXX XXXX, '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX XXXX Balance : {$900.00}
Complaint sub-issue: Was not notified of investigation status or results

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

I called and notified Equifax by phone that I had inquiries on my credit report because I believed to be fraudulent and they've sent me back their dispute findings were verified but I did not get any verification of how it was verified or something very very my signature authorizing someone to in view my credit these are fraudulent inquiries on my credit report and I don't understand how they could be verified
Complaint sub-issue: Problem with the interest rate

Sallie Mae approve me as a co signer@12.5 interest on both variable and fix rate for $ XXXX for 1 year with monthly payments over {$540.00} for 144 month. My son may need this loan for 4 years meaning $ XXXX with payments over {$2200.00} monthly after he graduates. I called them and they said thats a system approval and nothing they can do. My credit is over XXXX and their advertisements shows rates from 1.5 percent. How my son will pay this amount after graduation. This is not right. We are setting my son to have stress to make this payments. This is predatory XXXX XXXX  when you set up an individual for failure.