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

I recently filed a complaint, your ID number XXXX. 

The investigation for this account on my credit report has exceeded the 30 days allowed for investigation. I have attached the images below confirming when my original letters were submitted to all 3 Credit Bureaus which confirms the dates of receipt. 

Per the FDCPA, under law, if a credit reporting agency fails to complete an investigation within 30 days, the account/and or trade line must be removed. 15 U.S. Code 1692g
Complaint sub-issue: Problem with additional products or services purchased with the loan

On XX/XX/XXXX I purchased a used XXXX XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX ; XXXX, FL XXXX. On XX/XX/XXXX the car stopped on the highway unexpectedly, I assumed it may have been the battery and had the vehicle towed to XXXX XXXX XXXX XXXX located in XXXX, Fl. In the interim I reached out to XXXX XXXX ( Dealer warranty ) at XXXX to notify them of the vehicle status. On XX/XX/XXXX I received notification from XXXX of XXXX XXXX that the Catalytic converter was missing and it appeared to have been sawed off/stolen. I believe the vehicle was sold to me with this part missing and a proper inspection would have discovered this issue. I brought this to the attention XXXX XXXX XXXX on XX/XX/XXXX and was advised to have XXXX XXXX XXXX XXXX file a claim with XXXX XXXX to review for repairs. I was notified by XXXX on XX/XX/XXXX that the warranty company would not install a new catalytic converter. I was then instructed to file a claim with my insurance company for theft, although I am quite certain that the part was missing when they sold me the car. Now I am stuck with a vehicle at the repair shop and a bill totaling {$3900.00} to add a missing part. I believe the dealership took advantage of me and knowingly sold me a vehicle that was not properly inspected which could have resulted in a major accident.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting Act 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 instruction.
Complaint sub-issue: Their investigation did not fix an error on your report

I initiated a complaint against XXXX  XXXX XXXX in ( XX/XX/2022 ) questioning whether I agreed to a payment arrangement that destroyed my good credit. I made this complaint to the three credit agencies, EQUIFAX, XXXX AND XXXX who came back and verified that I indeed agreed to a payment arrangement that destroyed my good credit without providing information on this verification. There is no evidence with my signature and/or voice recording that will substantiate a verified claim. So how did these agencies verify this complaint?
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, XXXX 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.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( 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 be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$5000.00} ; XXXX XXXX XXXXXXXX Balance : {$2700.00}
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Money was taken out of my account by Direct Express that was suppose to go to my mortgage company through XXXX XXXX but there was an error and the mortgage company was never paid. My problem is trying to get Direct Express to put it back in my account.
Complaint sub-issue: Account status

My government student loans are reported separately as open and closed accounts on my credit reports from Equifax, XXXX and XXXX. The " closed '' accounts report negative information, whereas the loans are reported again in the " green '' and positive separately. I want the negative ones removed.
Complaint sub-issue: Their investigation did not fix an error on your report

My rights to privacy have been violated pursuant to 15 USC 1681 ( a ) ( 4 ). I did not give anyone written permission to furnish any accounts on my consumer credit report. According to 15 USC 1681b ( a ) ( 2 ). I initially demanded to have those accounts to be permanently removed but they did. They added remarks to the accounts I requested to be removed instead of deleting the accounts. I am demanding for the accounts to be removed and deleted from my consumer report.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have made a total of 9 complaints on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and responded on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX They had an address on file to be verified and true it took 6 complaints to remove. Seems like noone at this comapny like to do there job as a result I have contacted CEO XX/XX/XXXX and will continue to do so till all false and misleading information is removed from my report
Complaint sub-issue: Threatened to sue you for very old debt

I have told them that I have never had any account with Citibank until recently and that if they could please send me documentation I would take the appropriate steps. They become abusive and threatened to arrest me and that I will be sued in court.
Complaint sub-issue: Reporting company used your report improperly

I checked my credit reports and found I have unverified accounts listed on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. The Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer-generated inquiry, or third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Complaint sub-issue: Account information incorrect

Per Consumer Financial Protect Bureau Section 1026.56, Requirements for over-the-limit transactions for Discover Card ending in XXXX ; permission was never requested from Discover nor given to allow for the over-the-limit-fraudulent transactions. In addition, Discover did not have methods in place to prevent the multiple fraudulent payments that allowed continuing purchase that allowed the credit limit to be exceeded for purposes of theft. Hopefully Discover is now protecting their clients from thieves. Moreover, a proper investigation didnt include the methods of payment used to make the fraudulent payments. Discover states they will not share this information or do not have. This is America. Any information can not be withheld from the consumer if the consumer will then be held responsible. The theft resulted in account being closed, charged off, and then exceeded my ability to make a lump sum payment, and prevented me from continuing payments per my original and signed agreement. Thus my account is not accurate nor being reported accurately per requirements of the FCRA. Discover did not follow Section 1026.56 of Consumer Financial Protection Bureau.
Complaint sub-issue: Card opened as result of identity theft or fraud

On or about X/XX/17, I was contacted by Discover regarding a credit card account opened in my name. I advised that that I had never opened such an account and verified my personal information. They indicated that they would open an investigation into the matter. I received a notification from them dated X/X/17 that they had completed their investigation and determined that no fraud had taken place and that they were opening a new account in my name and would be sending me statements, and that I would be responsible for approximately $ 9k+ in charges. <P/>On X/XX/17, I contacted the credit reporting agencies to advise them of the identity theft and to determine if other accounts had recently been opened in my name and found that there had been, with XXXX XXXX, XXXX, and XXXX XXXX XXXX. In contacts with the aforementioned creditors, they were far more helpful and immediately closed the fraudulent accounts and absolved me of any responsibility for repaying any of the fraudulent charges. <P/>On X/XX/17, I contacted my local police department, who assigned a case number and opened an investigation. All of the aforementioned creditors, including Discover, were provided with the police department case number and contact information. This information has also been provided to the credit reporting agencies. <P/>In the meantime, I just got an email advising me " my '' new card was being sent to me. I continue to get collection calls from Discover ; each time I respond to them advising them that I never opened an account with them. I then get transferred to their " fraud '' department, and each time the tell me that I am liable for charges associated with the fraudulent account. <P/>It should be noted that I have never received a credit card or any statements from the aforementioned credit providers at my physical address. Correspondence from Discover was mailed to that address only after they found my real phone number and called me about the account and I provided them with the correct physical address. Upon contacting the other creditors, it was also determined that they too had been provided fake email addresses and phone numbers.
Complaint sub-issue: Reporting company used your report improperly

These companies have violated my rights in accordance with the Fair Credit Reporting Act. In accordance with the Fair Credit Reporting Act convergent accounts Americollect INC, Accounts Management, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX have violated my rights.

15 U.S.C 1681 Section 602 A : States i have a right to privacy.

15 U.S.C 1681 Section 602 A Section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Problem with fees

I was called by the credit card issuer ( Citi Bank ) for payment of late fees and interest yet was never provided with a statement of charges and amount due. I requested this three times from the issuer over a period of two weeks without receipt of a mailed statement. Meanwhile, US mail was received daily at the address on file with the credit card issuer. 

I also attempted to log in to my account online to review statements and was not able to login due to continuous technical issues on the company 's website. After hours of time over numerous phone calls with the company 's phone support staff no one was able to resolve providing access to view my account and statements online. 

I was promised by phone staff that I would receive statements in the mail by certain dates which have been passed and no statements have yet to be received. 

It is unfair for me to charged interest and late fees as well as negative credit ratings by Citi for statements that they have never been able to provide via the internet or US Mail or any other means that I have requested, including via electronic mail.
Complaint sub-issue: Account status incorrect

ON XXXX the XXXX XXXX I went to purchase a new car and I was advised the that XXXX XXXX XXXX XXXX Reported to Equifax that my car was a charge off and they were unable to do anything. I took a look at my report and sure it was correct On XXXX XXXX it was reported that my car was a charge-off in XX/XX/XXXX and that the last payment that they had received was on XX/XX/XXXX which is totally incorrect the last payment was made on my car on XX/XX/XXXX bring my total car balance to XXXX with the next payment due on XX/XX/XXXX. I then contacted XXXX in regards to this and it was stated to me by XXXX working in the loan center that yes my account was marked as a charge off and she is not sure why. Then I was connected to XXXX in collections and she stated to me that I was current and she had to look into why the account was marked as a charge off. This is really horrible what I am experiencing with ABNB I have had this car for 3 years with 1 late payment by 11 days back in XX/XX/XXXX for XXXX that was added to my XX/XX/XXXX payment I constantly have to contact XXXX as regards to reporting incorrect information. I have also attached my report with the information that XXXX has reported.
Complaint sub-issue: Their investigation did not fix an error on your report

I reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX, XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

I was taken advantage of due to malpractice, while several laws were being broken under the fcra by your company. This has caused me financial injury, defamation of character, not being able to apply for credit or a sba loan during the time of the pandemic. Under this crisis you have hurt my ability to obtain credit.
Complaint sub-issue: Information belongs to someone else

I was getting ready to inquire on purchasing a new home and of course I had to check my credit. Upon doing so, I have found several fraudulent accounts and addresses that don't and never have belonged to me. These accounts date back years and are spread out through various account types. I am disputing these fraudulent accounts with the three credit bureaus as of today, XX/XX/XXXX.
Complaint sub-issue: Overdrafts and overdraft fees

BB & T Bank has charged me the following overdraft fees and fees to my account : On XX/XX/2018, they charged me {$36.00} in overdraft fees. 
On XX/XX/2018, they charged me {$36.00} in overdraft fees. 
On XX/XX/2018, they charged me {$36.00} in overdraft fees. 
On XX/XX/2018, they charged me {$36.00} in overdraft fees. 
On XX/XX/2018, they charged me {$100.00} in overdraft fees. 
On XX/XX/2018, they charged me a {$15.00} ACH Transfer Fee. 
On XX/XX/2018, they charge me {$35.00} in " Service Charges ''. 

BB & T is engaging in flagrant and abusive overdraft fee and other charges, which is keeping my account balance low. They are also holding the smaller purchases so that they can keep adding more overdraft charges. Between XX/XX/2018 and XX/XX/2018, BB & T Bank has charged me {$300.00} in overdraft fees and other transfer fee and service charges. BB & T is intentionally adding overdraft fee charges to my account to make more money from my bank account. BB & T is abusing the overdraft fee charges. They are not doing me a favor by adding excessive overdraft fee charges to my account, and instead they are intentionally adding overdraft fee charges to keep my account low and to make more money from my account. I called their customer service and they said they couldn't help me. I also called their " executive phone number '' and they did absolutely nothing for me.
Complaint sub-issue: Their investigation did not fix an error on your report

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem getting your free annual credit report

I've used XXXX for the 3 credit bureaus since, I think, XXXX. Never any problems with hundreds of other web sites. I've used the latest version of XXXX on XXXX XXXX since XXXX. All patched and working perfectly. 

XXXX and XXXX credit reports have always been available on-line. 

Equifax was last available in early XXXX. That's right -- their web site has said the credit report is not available on-line, in so many words, in XXXX, XXXX, and now XXXX. 

They have a legal obligation to provide the credit report, and I should think that a functioning web site is part of that obligation.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX   XXXX , credit line is STILL showing on CR even after previous Equifax response says " verified to be deleted by credit  grantor  ''. Please REMOVE invalid credit line ( that was re-added to my credit report w/o notification per FCRA )
Complaint sub-issue: Information belongs to someone else

there is an account on my credit report for a XXXX phone bill that is not mine.i have spoke to XXXX  in begining of XXXX when i found it on my credit report and they even said it was not my account and that i had to contact the collection company to starighten thing out.so i called and i didnt get an answer so i called and called for weekes and i finally talked to someone and they said that i would be taking care of so i waited a month and nothing was still done so i contacted them again and same thing they said it would be taken care of, now almost 3 months into this it still isnt off my credit report and i cant get ahold of the collection company they wont call me back or answer when i call so i tryed to dispute it with the credit report company and they wont remove it either.so im pretty stuck on what to do now on how to go about getting this account off my credit report.everyone seems to be dragging their feet on this and not doing anything to help me get this account off my credit report!
Complaint sub-issue: Was not notified of investigation status or results

I submitted a report and it was resolved but I am not able to see the results of my dispute.
Complaint sub-issue: Investigation took more than 30 days

This collection agency has violated HIPPA. I have never giving this company consent to obtain my medical records. This is unauthorized accessing of XXXX. I demand this account is deleted immediately from my credit report.
Complaint sub-issue: Investigation took more than 30 days

XXXX XXXX keeps sending my check back to me then marking it late adding fees and calling non-Stop. They have done this all year. My father passed away in XX/XX/XXXX, so all assets were frozen I advertise and was paying bills out if my own pocket. XXXX took my XXXX card and put it in my name plus added the business name onto it, we have had this commercial bank account since XX/XX/XXXX. Anyone I speak to at XXXX is just repeating the same thing this ya an attempt to collect a debt. I have copies of all the checks sent back and I even received a letter from them stating they would not take off interest or Late fees. NOT FAIR! Ive never been late they know whos payment it is, I mail it back and they mail it back to me. Not sure what to do but my patience are wearing thin we are going on 7 months! And XXXX XXXX is another one I have my deed in Lou of foreclosure paperwork and because I contacted you they added on to additional months that theyre saying were never paid when the house didnt even belong to me at the time my husband was responsible for paying the mortgage because I moved out and had a XXXX XXXX   during the course of our 90 day divorce he was responsible for the mortgage payments and he squatted. and XXXX XXXX is another one I have my deed in Lou of foreclosure paperwork and because I contacted you they added on to additional months that theyre saying were never paid when the house didnt even belong to me at the time my husband was responsible for paying the mortgage because I moved out and had a XXXX XXXX   during the course of our 90 day divorce he was responsible for the mortgage payments and he squatted XXXX XXXX has read my decree and they have my deed in Lou of foreclosure that I paid for myself XXXX my ex-husband paid nothing towards it he wanted it to go into collections so between these two banks we need to get this straightened out
Complaint sub-issue: Information belongs to someone else

Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.
Complaint sub-issue: Account information incorrect

I have a credit repair company helping my husband and I repair our credit. They have sent disputes to all 3 credit Bureaus, XXXX  and XXXX  have updated our credit report accounts however Equifax has not. When I have called Equifax they said they never received anything from the company. When I have asked why they haven't updated our credit reports with updated information about our creditors accounts ( because last month we have paid down a lot of our dept. They told me that whenever they get the updated information from our creditors they will. When I told Equifax that I knew that they have the updated information because XXXX and XXXX  have updated their information. I got that I have to file a dispute. So I did. But I feel Equifax is not doing their job correctly. Something needs to be done. 
Thank you XXXX