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

hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX  days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im homeless XXXX cant provide to my XXXX year old daughter and i started doing my research and XXXX XXXX XXXX i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Information belongs to someone else

Looking over my credit report I noticed there were some late payment showing and due to the pandemic/hardship I was not able to make those payments ontime. The following accounts are listed that show late payments for 2020 : XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/XXXX I received a credit score drop of 17 points because XXXX  is reporting that my student loans balance increased from discover student loans, I immediately called and inquired as to why this happened because I am still a full time student and the loans should be in deferment until I graduate. I was told the issue would be looked into within a 2 week time frame. On XX/XX/XXXX I received an other credit score drop of 30 points for the same reason, I called again to discover student loans and was told my inquiry was not resolved and they would submit an other ticket. Once again they said it would take an other two weeks.
Complaint sub-issue: Investigation took more than 30 days

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days. Also, I am aware that the credit bureaus have been given an additional 15 days due to COVID-19 and that time frame has also passed. I have not received any investigation results and it's well past 60 days.
Complaint sub-issue: Their investigation did not fix an error on your report

I spoke with a representative with XXXX XXXX XXXX an offered me a re-age program to pay {$93.00} a month on my XXXX credit card. My account wasn't past due. The representative stated I wouldn't be reported to the credit buero because I was offered a program to pay for 3 months the {$93.00} not my normal minimum payment. Well after paying the {$93.00} for 3 months, I was reported to the credit buero 30 days past due with no indication or notice I was late, after the representative told me I wouldn't be reported its was a safe program XXXX offered to help pay off you credit card balance. I spoke with XXXX  and they said they don't record there calls, and they would try to fix it. Well they reported me current for the next month, but the 30 points I lost on the score didn't return. I would like a apology for them misleading me and my score dropping 30 points at no fault of mine.
Complaint sub-issue: No notice of investigation status/result

Recently I disputed item XXXX with Equifax. They verified it as accurate, which I found very hard to believe. Pursuant to the Federal FCRA, I invoked my rights to understand how they investigated this incorrect item. Equifax failed to respond to this lawful request.
Complaint sub-issue: Old information reappears or never goes away

This is a minor issue as this account is scheduled to fall off my report next year. XXXX XXXX has charged off and closed an old account and sold it to a collection agency. Since they no longer have a vested interest in this account, im respectfully asking them to remove it from the three credit reporting agencies. I have another account with them in good standing. I understand that they are not obligated to remove it from the three credit reporting agencies.
Complaint sub-issue: Investigation took too long

EQUIFAX has failed to provide me with a copy of any original documentation for example, a consumer contract a with my wet-ink signature on as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. 

Please be advised that EQUIFAX HAS NOT under Section 611 ( 5 ) ( A ) of the FCRA - EQUIFAX are required to " ... promptly DELETE all information which can not be verified. '' Under The FCRA in Section 609 ( c ) ( 2 ) ( E ) it states : " A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified. '' Copies of copies are not a form of Validation, and by Law are not considered proof. Under the Fair Credit Reporting Act, unverified, invalid accounts must be removed. EQUIFAX is unable to provide me with a copy of the verifiable/validated proof that you have on file, within 30 calendar days from receipt of this notice, by law you have to immediately remove the aforementioned item in dispute from my credit report.
Complaint sub-issue: Debt was paid

This was paid to XXXX XXXX after seeing in collections this bill was handled five years ago and it keeps appearing. The other two CRAs have erased it from my report but it Continues to be reported here. I have also sent them a letter to verify the collection and they have not responded as yet.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$4700.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$1200.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Reporting company used your report improperly

I have been disputed with XXXX, XXXX, and Equifax on numerous occasions, and they have not responded to ANY of my requests AT ALL. Each and every letter was mailed certified, and tracking from USPS proves each letter was received by all three agencies. I am tired of being treated unfairly! I informed them over and over again that my credit report has many inaccuracies. I also informed them that I have reason to believe that my right to privacy is being violated. II believe that my personal and private information has is being shared with and disclosed to third parties without my consent. I am sure this is against the law, because no consent means that it is identity theft. These are the items listed on my report that I have been requesting a thorough investigation for : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Reporting FIVE TIMES! ] ; XXXX XXXX XXXX XXXXXXXX [ Also reporting FIVE TIMES! ] and XXXX XXXX XXXX XXXX ; Also, XXXX XXXX XXXX XXXX [ No account number listed on my reports ] is reporting SEVEN TIMES! Please send them a dispute request as well. Lastly, DEPT OF EDUCATIONXXXX XXXX is reporting EIGHT TIMES! I never had any missed payments, but they are reporting that I did. Please have them change the status supposed late payments of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to reflect paid on time. ONLY if they choose not to correct the status of those dates, please have them remove all eight accounts for reporting inaccurate data. They have two of the late payments listed as 90 days, and the other two late payments as 120 days. How is this possible?? Isn't there supposed to be 30 day and 60 day first? How is ONE alleged missed payment reporting both 90 and 120 days late?? Overall, this matter has been causing me entirely too much stress. I could have also saved valuable resources such as time, energy, and money fighting this issue.
Complaint sub-issue: Information belongs to someone else

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under my name. This item is UNKNOWN to ME. I dont get why youre claiming this is fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be a claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute IsFrivolous or irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. 
Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15U.S.C. 1681o ] a person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Deposits and withdrawals

On   XXXX   XXXX   2016 i was  XXXX  and sent to   XXXX   for   XXXX   XXXX   got out of  XXXX  on   XXXX   XXXX   2016 on the   XXXX   XXXX   XXXX   i went to my bank to get money and to find out i had   XXXX    to m y name i tell the bank i want to make a complaint that my money was gone that i should have  XXXX  in there not  XXXX  i filed a fraud on account and made a police report in two towns in  XXXX  and in  XXXX  colorado on the   XXXX   XXXX   2016 by the middle of  XXXX  to the   XXXX   XXXX   XXXX   tcf said i have lost my money and they will not pay me back my  XXXX  that was stolden from my account im going to keep fighting because im not in the wrong and this bank is please help me get my money back
Complaint sub-issue: Information belongs to someone else

Never lived at the address below and my name is incorrect. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXl XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

I was a victim of identity theft and I have no acknowledgement of these accounts
Complaint sub-issue: Reporting company used your report improperly

Americollect is in violation of my HIPPA rights. I reached out to the company over 30 days ago and no response. I requested validation of the alleged debt and haven't received anything.
Complaint sub-issue: Information belongs to someone else

XXXX 's client XXXX XXXX is an identity theft victim. Her information was used without her consent to apply for credit cards. A XXXX XXXX XXXX card/XXXX XXXX card was applied for X/XX/2016 however the application was not approved but the fraudulent inquiry was found on her Equifax credit report. A dispute of this inquiry was sent to XXXX XXXX XXXX as well as Equifax however the inquiry was verified as " accurate '' even though a police report was provided indicating this activity was fraudulent which is a violation of the FCRA.
Complaint sub-issue: Reporting company used your report improperly

XX/XX/21 several companies including roadie, XXXX, XXXX, XXXX, ran a background check via checkr an I was denied employment. I contacted each company an explained that checkr does not have my written consent to store my credentials.
Complaint sub-issue: Reporting company used your report improperly

Please help all my Consumer Rights has been Violated.

15 USC 1681b ( 2 ) In accordance with the written instructions of the Consumer to whom it relates 15 USC 1681A Respect for the Consumers Right to Privacy 15 USC 1681O Civil liability for negligent noncompliance 15 USC 1692C C
ommunication in connection with debt collection 15 USC 1692D ( 2 ) Harassment or abuse 15 USC 1692E ( 2 ) ( A ) Fale or misleading representations
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX a dispute letter was sent out, highlighted in red multiple inaccuracies. By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970. ( 5 ) Treatment of inaccurate or unverifiable information If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Complaint sub-issue: Attempted to collect wrong amount

I had a secured card. They decided to cancel my card. My security deposit was XXXX. When I talked to them ( Citibank ) they informed me that the XXXX would go against the balance. I was never sent a bill for anything else owed. The amount due was XXXX but I had no idea I owed that. Now in XXXX. They say I owe XXXX and all of that is Fees and Interest. If I new I only owed XXXX cents anyone in there right mind would of paid right away. Since I didn't know about amount now they expect me to pay this. I informed them of my frustration and here is where I am at. I don't mind paying XXXX and one fee and interest if need be. But not XXXX.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX Account name : XXXX XXXXXXXX Account name : XXXX XXXX, Account name : # XXXX Account name : # XXXX Account # XXXX Account XXXX XXXXXXXX Account XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a dispute by mail to EQUIFAX regarding an inaccurate 60 day late payment XXXX XXXX is reporting which is having a negative impact. EQUIFAX continues to send a generic response stating it was verified and validated as accurate but fails to provide the supporting documentation and method of verification requested. The fact that this generic response is being sent confirms no actual research/investigation was actually conducted. I am requesting EQUIFAX completes an ethical and actual research and delete the late payment.
Complaint sub-issue: Threatened to arrest you or take you to jail if you do not pay

I received a call from XXXX threatening to have me arrested. They also called my daughter and my employer. The calls and messages were very threatening. They told me to call XXXX. When I called the number, I was told I was being sued and it was a debt from XXXX XXXX  XXXX. I had previously been called about this same debt by D2 management. 
When D2 management refused to send me proof of debt, I contacted the XXXX. The responses I got from the company were not satisfactory and very rude. It seems as though D2 management gave this debt to the company that called me today. Neither company can provide me written proof of debt. I called XXXX XXXX XXXX directly, and they informed me that I don't owe them anything. I don't know the name of the company that called me today.
Complaint sub-issue: Information belongs to someone else

Equifax has been listing me as deceased on my credit report despite multiple phone calls and certified letters informing them that XXXX XXXX and XXXX XXXX  have mixed my deceased fathers accounts with mine. These accounts are : XXXX XXXX # XXXX and XXXX XXXX # XXXX. I have sent them proof of life including my current XXXX passport, social security card and my current utility bill but they have failed to remove these XXXX inaccurate accounts. I have attached a photo of these XXXX accounts from my most recent credit report ( XX/XX/XXXX, Confirmation # XXXX ) along with XXXX of the past certified letters sent XX/XX/XXXX. Despite my requests and evidence to prove this is a mix file and I am not dead, Equifax has ignored me, continued to list me as dead and violated my FCRA rights.
Complaint sub-issue: Their investigation did not fix an error on your report

The credit bureaus refuse to remove the following derogatory remarks after they have been unsuccessful at verifying any of the below. They defy all of the Credit Reporting laws and continue to defame my character as they have experienced data breaches which have compromised my privacy and security. I have just about had it with all that's going on with these bureaus and was advised to reach out to you all prior to litigation. Furthermore the newer law regarding credit laws, The Comprehensive Credit Act of 2020 section 401 specifically states that no items on my credit report for which no agreement / contract has been provided should at all show up on my credit report. However, the bureaus refuse to do anything regarding complying with these laws as well. I've had it and was advised to reach out to you all prior to litigation. 

XXXX  unauthorized Inquiries : XXXX/XXXX, XXXX/XXXX XXXX, XXXX/XXXX XXXX, XXXX/XXXX, XXXX XXXX Equifax Collection : Breaks Hippa laws, not mine, no contract, ( ILLEGAL DATA ) falsely reporting about me : XXXX XXXX {$170.00}. I've never entered into agreement with these folks, who are they? Is the data breach what caused this issue? 

XXXX, unauthorized Inquiries : XXXX/XXXX, XXXX/XXXX, XXXX  XXXX, XXXX XXXX. There are late payments also reporting for which I've required proof to be shown to me as I do not have on my end anywhere that I paid late for two accounts listed as XXXX XXXX XXXX whether the account was either opened or closed. I had been adamant about providing on time payments. This is a violation of my character which defames me.
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 XXXX and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXXXXXX Date Opened XX/XX/2017 Balance {$7900.00}