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

report to XXXX XXXX XXXX XXXX. Still not on my cr report i dispute the collection. XXXX   XXXX put on both XXXX XXXX equfax collections. XXXX  never bill me since XX/XX/2018. I took the free trail for 30 days and return all equipment. Now in XXXX I am in collections. now they say its a installment fee. Sales dept in XXXX when i order it, they said there is no install fee. I am tried of their lies just to get a sale, com, promo. This unfair business practice needs to stop. I want the XXXX off my acct.
Complaint sub-issue: Account status incorrect

I disputed an account with Ally Financial that was reversed in my favor but I have had no increase from this being taken off my credit score. This account is showing on my credit history as a XXXX XXXX  account and is killing my credit. I would like this to be removed completely off my score and score increased from the negative reporting it has caused on my credit. Thank you
Complaint sub-issue: Investigation took more than 30 days

I have disputed negative items on my report multiple times almost close to XXXX times the bureaus have not sent me no letters to verify these items on my report I have not been given anything I have been calling and been giving the run around repeatedly this is very disheartening because I can not get my house until my credit is fixed please look into this matter immediately
Complaint sub-issue: Unable to open an account

I applied online to Citibank to open a checking account. I filled out all applicable information and was told I'd get a decision in the mail. On XX/XX/19, I received a denial letter from Citibank stating they couldn't get past my credit alert on my XXXX report. My current telephone number is on my alert to verify it's me applying for accounts. The Citibank customer service rep stated the back office needs the alert removed on my report. I told them my current information is also on the alert to verify it's me. Every other company has this policy to proceed. The CSR couldn't say. I think this is ridiculous as It takes weeks to write to XXXX and remove it. I believe Citibank is discriminating against me and not recognizing what all other companies do.
Complaint sub-issue: Account status incorrect

I ve been dealing with this matter since 2015 to present. Its a run around with XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX : XXXX XXXX its reporting inaccurate information to credit agencys As of this date, I am challenging the accurate of my student loans ; yet not all student loans are closed and 2 is pending to transfer the loans to another claim office, and then the inaccuracy reporting that shows on my credit reports as well. Meanwhile as to reviewing my credit report, again its shows 2 open student loan accounts, and as a result its lowering my credit score added. However, I ve tried several times to track down the various loan holders and its always a dead end. Nonetheless, XXXX XXXX XXXX does claims they ve tried to retrieve my last two loans from both XXXX XXXX XXXX and XXXX XXXX XXXX, yet this process will take from 30-150 days and when the debt companies do fail to reply, then they will resubmit the same process again. Nevertheless, theyre given the run around and its effecting my credit reporting overall. However, below is an ongoing Value Chain process with my current student loans activity : The XXXX XXXX XXXX sold my loan to a XXXX XXXX XXXX, then wholesaled to another debt company called, XXXX XXXX XXXX XXXX then resold to XXXX XXXX, and finally the loan should ve came to XXXX and XXXX Disability Agency that would ve closed all accounts, yet were never received.
Complaint sub-issue: Account information incorrect

I have asked for these dates to be verified as they are all reporting different dates. These dates need to be verified along with proof of ownership, or removed effective immediately XXXX XXXX : date opened incorrect, closed date incorrect, last payment incorrect Rent debt automated : Date of last activity incorrect, date opened incorrect, original creditor incorrect name, account states open when it has been closed XXXX XXXX XXXX date opened incorrect, states open when its closed, original creditor incorrect name/spelling XXXX XXXX  : date reported incorrect, Balance owed incorrect, states open when closed, original creditor incorrect name/spelling XXXX XXXX : Incorrect open date, states open when closed, original creditor incorrect name/spelling XXXX XXXX XXXX States open when closed
Complaint sub-issue: Credit inquiries on your report that you don't recognize

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

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  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: Overdrafts and overdraft fees

On XX/XX/XXXX, I deposited a check via BB & T s mobile banking app. It was set to be released on XX/XX/XXXX. On XX/XX/XXXX, I realized I was hit with 6 overdraft fees. I spoke with someone in my local branch ( XXXX, SC ). I was informed that when I submitted the check, instead of them not making the funds from the check available, the deduct the amount of the check deposited from my available balance. Not only did they deduct that amount, but they sent my account into a negative balance. Meaning any bill payments set to post on that day, received an overdraft fee on XX/XX/XXXX. I had funds in the account to cover any purchase/bill payment prior to depositing my check. Now they will not waive those overdrafts. They also took my entire first check causing me to be late on house bills.
Complaint sub-issue: Old information reappears or never goes away

I have reported to the credit bureaus that information on my credit report was wrong and full of fraud but they have yet to correct this information or update it. Its been well over 30 days.
Complaint sub-issue: Investigation took more than 30 days

CFPB, WHY DID YOU CLOSED ALL MY COMPLAINTS? PLEASE STOP AND MOVE IT FORWARD. 
CFPB, I am filing this complaint so please don't send me form letter stating someone else did it for me. I have been trying for several months to get this account off from all 3 credit bureaus. There was a vacuum demonstration that I attended conducted by XXXX XXXX XXXX but somehow my credit was pulled without my verbal or written consent. I received the attached letter stating that I was not approved to purchase this overly priced vacuum but somehow this outrageous amount was sent to all 3 credit bureaus as collection. I have not signed anything authorizing a check or any purchase agreement or even receive the vacuum. I am asking for a full validation of this account as its not mine. Under FCRA, I am entitled to such request. Additionally, I need to know what right XXXX XXXX  has the right to collect on this account under the Fair Credit and billing act. I believe XXXX XXXX XXXX fraudently submitted an application in my name. Even though it was denied and they continue to bill me for service not rendered. 

Disputed account XXXX XXXX XXXX Account number XXXX Original creditor : XXXX XXXX XXXX of this account is paid off Balance on XXXX XXXX, 2022 {$4600.00} I am in the process of filling a DOJ and FTC complaint for fraud
Complaint sub-issue: Reporting company used your report improperly

I contacted LexisNexis to have me removed from there system XX/XX/2021. 
I contacted the United States Bankruptcy Court to request a letter as to if they report to LexisNexis and requested a credit report from XXXX, XXXX and XXXX to show that LexisNexis is reporting a bankruptcy and indicating the information was provided by the courts, I requested LexisNexis provide me the source of there information and they will NOT provide the source as requested, they keep asking me to send the same info a DL and current bill, I have sent the attached information 2 times and now to you!
Complaint sub-issue: You told them to stop contacting you, but they keep trying

date of loan XX/XX/XXXX amount of vehicle XXXX they took it to court on the XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

please be advised this is my 3rd official complaint against XXXXToday XX/XX/2022 I received a letter from Equifax which confirmed that every complaint was Accurate and that every negative item on my consumer credit report must be deleted and removed. Every late payment must be removed and everything item shown as closed must be reported paid in full or deleted. Equifax letter states They received my request regarding my consumer report and they are unable to locate a credit file for me for one of the following reasons : 1. I have not applied for credit recently 2. I have not actively used credit in the past 10 years 3. I have not lived in the United States or have not been issued a U.S. Social Security Number. 
However when I called Equifax today XX/XX/2022 to confirm that the accounts were indeed non-existent, they said that the accounts were still reporting on my consumer profile. ( didnt they just say I didnt have an account? ) This letter I Received From Equifax is Enough Evidence that Equifax have indeed violated 15 U.S.C 1681 section 602 which state I have the right to privacy. & 1681 Section 604 A Section 2. It also states the consumer can not furnish an account without my written instruction. 15 U.S. Code 1681c-1-Identity Theft prevention, Fraud alerts which they clearly disregarded. I have provided police reports, identity theft reports and they simply ignore all my requests to delete the items. 

CFPB claims that you take action to halt illegal debt collection practices CFPB claims to enforce and take actions against predatory companies & practices That violate the Law and returned billions of dollars to harmed consumers.

CFPB claims to root out deceptive or abusive acts or practices by writing rules, supervising and enforcing the Laws and monitor financial markets.

CFPB will you enforce the Laws on my behalf and Halt illegal debt collection practices and make Equifax, XXXX and XXXX pay for the damages they have done to my consumer report and my life and for breaking the laws?
Complaint sub-issue: Problem with rewards from credit card

On  XXXX   XXXX ,    2017  I booked  XXXX  tickets to  XXXX  for  XXXX  Thank You Points through the Thank You Rewards Portal. Nowhere on the Reward booking page did it state that middle names of the passengers must be included on on the booking. The airline is  XXXX   XXXX  is fraudulent and demands that the ticket be cancelled and re-booked in order to add a middle name.  XXXX   XXXX  and  Citi cla im that they can not edit the name on an airlines ticket and the customer must pay {$160.00} to cancel the airline ticket. This practice is fraudulent, criminal and highly misleading. None of these details were disclosed at the time of booking . Citi T hank You and the ir 3rd pa rt travel booking service is knowingly doing business with a crooked and deceitful airline in order to cheat customers and not disclose key details at the time of booking. I conta cted Citi  on  XXXX   XXXX ,  2017  and they claimed there is nothing they could be but charge {$320.00} total to cancel my tickets and refund the reward points.
Complaint sub-issue: Problem making or receiving payments

XX/XX/2020, I tried to link my PNC bank account to XXXX so I can do online trading for personal investments. I was denied. Not sure why. Its my money and I would like to do what I want with it.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I purchased a graphics card on XX/XX/2021 at XXXX XXXX  on XXXX for {$510.00}. On XX/XX/XXXX, the seller added a tracking number. I checked my XXXX XXXX, and to my surprise, the tracking number said the item arrived on XX/XX/XXXX! 

I did not receive any package the day before, so I decided to do some investigative work. I called UPS and provided the tracking number, and my name and shipping address. The representative on the phone confirmed the package did not arrive to my address, but shared the same city. 

After doing some XXXX, it seems to be a common scamming tactic. The scammer uses a random tracking number that goes to the same city as the buyer. Since the tracking website only provides the city for privacy reasons, automated systems show the package as delivered. 

After frustrating attempts with both XXXX and XXXX to try and get my money back, I finally filed a charge-back with Citi. The representative on the phone assured me that Citi would reach out to collect more evidence from me. 

However, Citi closed my case in the favor of the scammer without ever reaching out to me to get my side of the story.
Complaint sub-issue: Information is not mine

I looked at my credit report the other day and noticed that there was a new account on it. It only showed up under equifax and has not shown up on trans union. The new account does not belong to me. It is a XXXX XXXX XXXX credit card that was opened in 2004 and has a balance of XXXX, with a previous balance of XXXX. I have never banked with XXXX XXXX XXXX, do not have a credit card with them, and do not have an account that dates back to 2004. This card does not belong to me, but is showing up on my credit report. I am worried that this was cause problems and would love for this issue to get fixed asap. I appreciate your understanding and help with this matter. Thank you so much!
Complaint sub-issue: Reporting company used your report improperly

I recently obtained a copy of my consumer report and noticed a company Lexis Nexis has violated and infringed upon my consumer privacy rights, according to 15 USC 1681 ( a ) ( 4 ). 15 USC 1681 ( a ) ( 4 ) states that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy. Lexis Nexis did not have permissible purpose nor written instruction to obtain my consumer report per 15 USC 1681 ( b ), per 15 USC 1681 ( b ) ( a ) ( 2 ) in accordance with the written instructions of the consumer to whom it relates. This is also a terrorism offence, per 18 USC 1028 ( A ) ( 2 ), my consumer identification was used unlawfully and without consent to obtain information from XXXX  which is a violation of my federally protected consumer rights, lastly I have reached out to the courthouse and they notified me that they do not share personal information with 3rd parties such as Lexis Nexis.
Complaint sub-issue: Information belongs to someone else

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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. This CFBB Complaint is to notify you if you do not REMOVE the listed items on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I was making monthly payments to XXXX. I received a letter in the mail from General Revenue Corporation and immediately began making payments. This is the same account, XXXXXXXX XXXX. Ive never missed a payment. The new account holder calls me weeks after receiving the letter in the mail and the rep said if I dont pay the entire balance by XX/XX/XXXX then she will report it to the credit bureaus. The letter has options to make payments towards it. She even pulled up my payment that I first made. I didnt know the account was being transferred so I immediately made a payment to remain in good standing. I have made 3 payments toward the account since receiving the first letter and now its been reported before XX/XX/XXXX and without accepting my payments.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX  XXXX acct # XXXX, XXXX XXXX acct # XXXX and XXXX  XXXX XXXX acct # 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

On XXXX XXXX, 2021 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II 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 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: Public record information inaccurate

I had filed a complaint. Mohela responded saying that the public records had been corrected and my loans were forgiven so I closed the compliant but when I checked the databases my loans did. It show XXXX as the said they did. They are also trying to deny paying back all the months thats Ive been in forbearance as they stoped counting in XXXX and told me it would take too long to re certify and apply but there has been no break in employment this whole time for me and they know it. I have XXXX payments and they want to only count XXXX
Complaint sub-issue: Account status incorrect

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE SHOWING LATE PAYMENT HISTORY. THE ACCOUNTS LISTED BELOW UNDER, ACCOUNTS TO AMEND, WERE NEVER LATE.
Complaint sub-issue: Investigation took more than 30 days

This is a follow up response from my original complaint with CFPB # XXXX Thank you CFPB for your help in this matter however, if you check the date with Equifax this complaint was filed XX/XX/2022. I have been waiting over 7 months for a response. I have suffered great hardship from the failure of Equifax to respond. I had no choice but to file a complaint with the CFPB. 

According to the FCRA Law under section 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) ( 1 ) ( A ) it states : In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Also section 611.Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) ( A ) ( i ) ( ii ) 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. 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. 

As you can see Equifax clearly broke the law and disregarded the rules and regulations under the FCRA. I have included a copy of disputed letter sent to Equifax on XX/XX/2022.
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, XXXX XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2022 I sent notice to XXXX XXXX XXXX that I am disputing a negative, inaccurate, unvalidated tradeline they are reporting under my social security number to Equifax. Unfortunately, XXXX XXXX XXXX did not respond to my dispute OR mark the tradeline they are reporting to Equifax as disputed within 30 days of receiving my formal dispute which is a violation of the FCRA. 

I sent a follow-up dispute on XX/XX/2022 notifiying XXXX XXXX XXXX XXXX their violation of federal law by not responding to my formal dispute in a timely manner. As of today, XX/XX/2022 they have yet to formally respond to me, apparently they think they can ignore my claims against them with the assumption that I'll just go away. I am here to tell them that I will not go away! I am demanding they delete the tradeline they are reporting as over 120 day past due, with a balance of {$1500.00}. 

The Fair Credit Reporting Act states that I have a right to dispute inaccurate information that a furnisher reports under my social security number, and the furnisher is required by law to respond to the dispute, notifiy the credit bureau they are reporting to, AND prove that they are reporting facutal information. XXXX XXXX XXXX has violated the law by failing to do all of what the federal law spells out regarding handling my dispute. 

In addition to that, I have disputed this tradeline directly with Equifax and they claim to have verified the account which I highly doubt considering how unresponsive the furnisher is to me. 

If they continue down this path, and fail to delete the negative tradeline they are reporting as over 120 days past due with an unpaid balance of {$1500.00}, I will be seeking {$1000.00} per violation and they will be required to appear at a venue local to me to defend themselves.