Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Old information reappears or never goes away

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 
XXXX, GA XXXX VERIFICATION OF DEBT Re : Account # XXXX Dear XXXX XXXX XXXX Division I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PROTECTION ACT, I have the right to request and receive validation of the debt.

I have also attached a copy of my Equifax credit report in which you are fraudulently reporting.

Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt.

4 ) The Agreement that grants you authority to collect on this alleged debt. 
5 ) A copy of your state license, including license number. 
Do Not contact me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only. 

Sincerely, XXXX XXXX XXXX Certified letter XXXX Main Office Address : XXXX XXXX XXXX XXXX 
XXXX, GA XXXX Phone : XXXX XXXX Fax : XXXX XXXX Office Hours : 
Mon., Tue., Th., Fri.:XXXX XXXX XXXX XXXX
Wed. :XXXX XXXX XXXX
Sat. XXXX XXXX  XXXX XXXX  Drive-Thru Available
Shared Service Center Location Mailing Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX Send Us A Message Shared Branching Locations Find Thousands of Shared Branching Locations Nationwide Call XXXX ( XXXX ) Visit XXXX XXXX XXXX to find a Shared Branching location near you. 

Report Lost / Stolen Visa Cards Available 24 Hours Lost/Stolen Visa Debit Card : XXXX XXXX Forgotten Debit Card PIN : XXXX XXXX Lost/Stolen Visa Credit Card XXXX XXXX XXXX ATM Locations Find aSurcharge-Free ATMnear you. 
( Select Full Service/Deposit to find deposit-taking ATMs near you. ) Credit Union Call Center Hours : Mon., Tue., Th. :XXXX XXXX XXXX XXXX Wed.:XXXX XXXX XXXX XXXX Fri.:XXXX XXXX XXXX XXXX Bill Pay Help Line Visit XXXX Access Online Banking Choose Pay Your Bills Phone : XXXX XXXX Bill Pay Support Hours Monday Friday:XXXX XXXX  XXXX ( EST ) Locate and Contact Us In your area XXXX - Main Office Address : XXXX XXXX XXXX XXXX 
XXXX, GA XXXX Phone : XXXX XXXX Fax : XXXX XXXX Office Hours
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. And as a result, false and inaccurate information were posted on my credit report. The Federal Law requires you to delete ALL accounts and inquiries which resulted from Identity Theft within a maximum of 4 Business Days from the receipt of a Identity Theft Report in accordance to the Fair Credit Reporting Act Section 605 ( b ).
Complaint sub-issue: Reporting company used your report improperly

In 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 instructions. 

The following Accounts : Loan Account Holder : XXXXXXXX XXXX XXXXXXXX XXXX Monthly Payment : {$670.00} Loan Account number : XXXX Amount on Loan : {$17000.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
XXXX
Complaint sub-issue: Reporting company used your report improperly

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States , if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 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 to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 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, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Deposits and withdrawals

I signed up for a checking account with US bank about four months ago.

$ 5000 monthly limit for external transfers, {$1000.00} daily trasnaciton limit. I am unable to make external transfers out of my account and need to be able to pay rent from my ( external ) XXXX checking account. US Bank won't let me withdraw my money to the XXXX account. 

When transferring, I get a message saying " The transfer amount you have entered exceeds the daily limit for XXXX XXXX XXXX XXXX. '' But I am not over the limit, which is $ 5000 monthly and {$1000.00} daily. 

I called the bank customer service line four times and they were unable to resolve my issue. First I was told the limit would not be raised, and that I could only do {$1000.00} a day. I bregrudingly accepted that and resolved to send {$1000.00} a day. The first {$1000.00} transfer was successful, and received in my external account, but I've been locked out of being able to make transfers since then when I sent that transfer request on XX/XX/XXXX. I cant even transfer in XXXX segments. After calling three times and the issue not being resolved, I filed a complaint and let the bank know on XX/XX/XXXX that a complaint has been made.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccurate on my Credit Reports. 
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, XXXX and Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC 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 that are reporting on my Credit Reports : XXXX XXXX XXXX  XXXX : {$24000.00}.
Complaint sub-issue: Was not notified of investigation status or results

Hello, on XX/XX/2021 I mailed my letter regarding illegitimate items on my credit report. To this day, it's been over 30 days now, and I have yet to receive any response. I feel completely taken advantage of because I'm being ignored of my disputes. Within section 611 ( a ), it's plainly states that with the failure to investigate any item within 30 days gives reason to immediately remove those disputed items from the credit report, and it's been well over 30 days, so the inaccurate items in which I've disputed should be removed immediately or I will file for litigation as a result to the stress and loss that's been caused to me. Previously, my information was impacted by the Equifax Data breach, and may have got into the wrong hands and person.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2021, I bought a flight ticket ( XXXX XXXX ) for my cousin XXXX XXXX XXXX, using my Discover credit card on XXXX ( travel agency ) website. The ticket fare was {$1000.00}. 
We reached airport on XX/XX/2021 at XXXX XXXX  to check in the flight, but the XXXX XXXX agent mentioned that there were issues with the XXXX XXXX transit and did not allow my cousin to check in the flight that evening. My cousin 's father ( XXXX ) passed away in XXXX and she had to travel. Because of the flight agency, she could not see the last rites of her father. Also, the agent from XXXX XXXX confirmed that the ticket is cancelled and the refund will be issued through the third party travel agency ( XXXX ) We came back and requested the travel agent XXXX ( Confirmation # XXXX ) for the ticket refund. They did not give me refund saying that we did not show up at the airport. 
I called my credit card ( Discover ) and claimed for the ticket refund. They took 30 days for the claim process and still did not give me refund for the ticket that was not used.
Complaint sub-issue: Personal information incorrect

I have contacted Equifax a total of 5 times about incorrect information on my credit report. I contact them last on today XXXX XXXX XXXX XXXX Because I have lots of hard Inquiries on my credit report that does not belong to me. So were made twice in the same day, month from the same place. When ever I call they keep telling me its nothing they can do, that the inquiry has to stay on my account for 2 years. I have ask to have my address and phone number undated and also have not had any success with that. I rep, that I spoke with last was very nasty to me and told me it was nothing he could do to help me.
Complaint sub-issue: Old information reappears or never goes away

I am submitting you this CFPB Complaint today to have you, once again, to correct my Credit File from erroneous reporting of accounts and information. Under the Fair Credit Reporting Act, I am entitled to request from you an investigation and have the erroneous information corrected as soon as possible. I am submitting this Complaint once more to demand of you to correct my Credit file by updating or removing the following accounts from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also, on my previous Complaints and dispute letters, I have been requesting that you send me copies of documents resulting from your investigation and up until now, I received nothing! Your inability to prove me with my requested documents should have resulted in the correction or deletion of the disputed accounts.
Complaint sub-issue: Reporting company used your report improperly

In 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 instructions
Complaint sub-issue: Information is incorrect

XX/XX/2020 after reviewing my personal credit report ; an unauthorized inquiry from GFS II LLC located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX showed on my XXXX credit file. I'm requesting signed verification or an immediate removal from all credit reporting agencies in accordance with the Fair Credit Reporting Act.
Complaint sub-issue: Information belongs to someone else

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$420.00}, XXXX XXXX XXXX XXXX Balance Owed : {$2400.00}, XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance Owed : {$550.00}, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.
Complaint sub-issue: Debt is not yours

On XX/XX/2023, I received a letter sent to my home address from GB Collects, ostensibly located at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, claiming that I owe XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} for an invoice dated XXXX XXXX, 2023 ( one week ago ). ( See attached letter. ) In her letter, XXXX XXXX XXXX of GB Collects states, " After repeated requests, we have not heard from you regarding the above delinquent balance of {$120.00}. '' I have never heard from anyone at GB Collects on any matter before and XXXX XXXX XXXX has an automated service that no one answers when I attempted to call them regarding this supposed debt. I am not aware of any debt owed to XXXX XXXX XXXX as I always pay my co-pays when I'm at the doctor 's office ( and my co-pay is never anywhere near {$120.00}.
Complaint sub-issue: Their investigation did not fix an error on your report

I have wrote letters asking for an investigation of a couple accounts that's listed on my credit report. I either get stall letters from XXXX stating that I don't have a credit profile or I can't use a third party. I have never used a third party and I have sent letters with legal documents to correct my personal information so I can get a proper investigation. I have informed XXXX, equifax, AND XXXX  of the accounts in question and they send me letters just saying the account was verified. I asked for the method of verification along with additional information and they continue to send me letters stating the investigation is complete and verified. They don't tell me how it's been verified. Also, they are reporting different information from other credit bureaus. I have submitted disputes about this as well and asked them to delete these accounts, if all bureaus are getting the same information from the same company they should not be reporting different information within all 3 bureaus.
Complaint sub-issue: Information belongs to someone else

I HAVE CONTACTED XXXX XXXX AND THEY TOLD ME THAT ANYONE CAN GET A POLICE REPORT AND FILE A CLAIM. SHE MADE IT SEEM THAT REGARDLESS IF I DID AN IDENTITY THEFT THEY WOULD STILL LEAVE IT ON MY REPORT BECAUSE THE CLAIM THEY HAVE ALL MY INFORMATION
Complaint sub-issue: Old information reappears or never goes away

I cancel my phone service with XXXX on XXXX and they still reporting on my credit scores as XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report.
Complaint sub-issue: Company closed your account

Hi, I called to obtain available retention offers for my Citi AAdvantage credit card and the representative inadvertently closed my account. She misheard my request to listen to retention offers as an authorization to close my account. She did not ask for confirmation to close my account and admitted fault after submitting the closing request. 

Representative name : XXXX XXXX tracking number : XXXX
Complaint sub-issue: Personal information incorrect

I have written and requested to all of the 3 reporting Credit Bureaus that each file update my name, with correct spelling, hyphenation and initial along with current address and name of employer so that my information matches equally and nothing has been done. I have multiple aliases and addresses and my name spelled incorrectly I feel that my identity can be at risk. I have provided them with the proper documentation showing the address as well. Please advise them to make the proper changes to my credit report. 

Sincerely, XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

To whom it may concern, I am writing because XXXX XXXX facility has paid medical bills through North Carolina Medicaid on my behalf. However certain accounts were left off of the billing cycle. During this time frame myself and newborn recieved medical services from North Carolina Medicaid. The accounts are as follows : $ XXXX XXXX, XXXX XXXX $ XXXX XX/XX/XXXX The company refuses to provide me billing information dating to the times I was pregnant and a client up until my XXXX was released from the XXXX. In which the XXXX bill was covered by Medicaid which range from XX/XX/XXXX-XX/XX/XXXX. 

2nd company- XXXX Department of Social Services I applied for XXXX Medicaid XX/XX/XXXX, verification of XXXX was requested by department of XXXX Social services . I provided verification on XXXX of XXXX. I was sent an approval letter. The department of social services can not locate or providde a copy of the approval letter. For XXXX or family medicaid.
Complaint sub-issue: Their investigation did not fix an error on your report

I contacted LexisNexis for a method of validation of bankruptcy. LexisNexis is reporting to XXXX and XXXX that I have a bankruptcy. According to the FCRA they have 15 days to respond to me the consumer. They are to provide me with a discription of the procedures used to determine the accuracy and completeness of the information listed on my consumer report. They are required to follow reasonable procedure to assure maximum possible accuracy. They are in noncompliance of the FCRA regulations.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX we filed a CFPB complaint against all ( 3 ) credit bureaus XXXX, Equifax, and XXXX  as follows : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX " We filed a federal lawsuit against ( 5 ) major banks on XX/XX/XXXX regarding our mortgage for mortgage fraud which are XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  which later was revised to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, vs XXXX  XXXX XXXX XXXX XXXX, et al., Defendants ~ Case No. # XXXX XXXX filed on XX/XX/XXXX IN THE UNITED STATES DISTRICT COURT FOR THE SOUTHERN DISTRICT OF TEXAS XXXX DIVISION ~ Judge XXXX XXXX XXXX On that very same day XX/XX/XXXX I requested a flag to be put on both our credit reports for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in which I precisely gave XXXX, XXXX, and Equifax the Federal Case Number # XXXX XXXX to freeze and stop any derogatory credit reporting until our case would be settled in court. We won our suit and it closed on XX/XX/XXXX. However, all ( 3 ) credit bureaus allowed ( 8 ) credit accounts to be closed on my wife XXXX XXXX XXXX and ( 6 ) credit cards for XXXX XXXX XXXX which negatively impacted our credit scores with high interest rates and impossible to get loans much needed for many years. They did all of this damage to us while we had not settled in federal court yet and the flag should NEVER have been lifted while pending matters were in federal court allowing XXXX to report that we were up to 18 months and greater that we were behind on our mortgage payments while we were in a federal court fighting for our rights by law. This was negligence on behalf of all ( 3 ) credit bureaus to have allowed such damages to occur. '' " The response from all ( 3 ) credit bureaus was identical that they couldn't find XXXX on our credit report. XXXX had been removed after Judge XXXX XXXX ordered them to take off the derogatory credit and correct it and it took months before they finished taking it off so by this time we had been affected greatly and we're still struggling to repair our credit. We would like a response when all ( 3 ) credit bureaus will make restitution and repair our credit immediately. "
Complaint sub-issue: Reporting company used your report improperly

So I sent a letter off on XX/XX/2022. Here is my tracking # XXXX. To remove personal information that I do not want on my credit report. According to the fair credit reporting Act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Complaint sub-issue: Was not notified of investigation status or results

I requested that the information on my credit report be looked into and I also requested an official copy of my credit report but I was ignored in my initial reach out. When I did not receive a response I sent follow-up letters and again still did not get a response. 

I now have reason to believe that I am getting ignored by the credit bureaus due to their negligence to respond to my request and that goes against my rights under the FCRA.
Complaint sub-issue: Debt was result of identity theft

I have sent in numerous of letters an FTC reports to this company regarding this fraudulent account that was opened in my name. This company has completely ignored my request to have this account removed or investigated properly. This account is hindering me from moving forward in my life. This matter needs to be addressed and fixed expeditiously!
Complaint sub-issue: Account status incorrect

See attached PDF. Settle this matter properly and remove the accounts of all 3 reports or I will seek litigation. This is my final attempt for them to correct their facts. Remove the accounts!
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is still reporting on my Credit Reports and needs to update this late account from my reporting : XXXX XXXXXXXX-Balance {$0.00}
Complaint sub-issue: Billing dispute for services

There were many disputes unanswered with My Bank PNC and my job at XXXX .. A portal at XXXX  made without my consent a compensation change and payment election were chosen, after that I had nothing but problems I did not even know my routing number changed when BBVA was changed over to PNC XXXX A account by the name of XXXX XXXX with a different routing number was being used. Loan payments sent through my account for private banking XXXX which I never initiated, shares from my credit union at the time were bargained with. Which I was unaware of. My email was hacked as well as my telephone. I went to address these issues numerous times only to be dumb downd by the bank executives.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX  and XXXX are reporting incorrectly a collection in the amount of {$7600.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX