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

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

Here are the following date disputes was sent, XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022 XXXX
Complaint sub-issue: Information belongs to someone else

NUMEROUS TIMES I HAVE REACHED OUT TO XXXX  AND TO EQUIFAX IN REGARDS TO THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. I HAVE SENT THEM MY IDENTITY THEFT REPORT NUMEROUS TIMES, I HAVE SENT THEM NOTARISED DOCUMENTS, I DON'T UNDERSTAND WHAT IS THPINT OF ASKING FOR DOCUMENTS AND ANY CIVIL COURT REGULATIONS WHEN AT THE END OF THE DAY YOU ARE AT THE MERCY OF THE BUREAU AGENT, OR SOMEONE AT XXXX SITTING BEHIND THE DESK MAKING DECISIONS. THSI ACCOUNT IS FRAUDULENT IS NOT MINE AND SHOULD BE REMOVED FROM MY CREDIT REPORT.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX  are reporting incorrectly that I am 120 days past due on loans with the XXXX  XXXX - partial account number XXXX. This account reflects a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.
Complaint sub-issue: Deposits and withdrawals

I used a promo code when opening this account and should have received a {$150.00} bonus. I was informed by this bank today via telephone I would not receive the bonus. I had no choice to contact the bank by phone because they were ignoring my secure messages in the online portal. Please review the following correspondence with this bank in which I was told I would receive the bonus by the end of XX/XX/XXXX : XXXX XX/XX/XXXX XXXX XXXX   EST Good morning, it is now the end of XXXX. Please tell me when I will receive my new account bonus. Thank you. 
XXXX XX/XX/XXXX XXXX XXXX EST Ok, thank you! 
Customer Service XX/XX/XXXX XXXX XXXX  EST XXXX XXXX, We show that you opened your account on XX/XX/XXXX. The promotion on your account will take effect after 3 months if there has been no overdrafts on the account. You are currently on track to receive these benefits at the end of XXXX. 

Please reply to this message if there is anything else we can help you with. You may also call Customer Service at XXXX, Monday Friday, XXXX XXXX and Saturday XXXX -XXXX  Eastern time, or visit a financial center near you, which can be located at XXXX XXXX XXXX. 

Thank you for your message and we hope you have a great day, XXXX XXXX. 
Customer Solutions XXXX XX/XX/XXXX XXXX XXXX EST {$150.00} for new accounts after a direct deposit, thank you Customer Service XX/XX/XXXX XXXX XXXX  EST XXXX XXXX, We would love to inform you about when your bonus will be implemented in your account. However, I will need to know what the promotion was to be able to credit the account. If you will please respond with the promotion we will be able to properly credit your account. 

Please reply to this message if there is anything else we can help you with. You may also call Customer Service at XXXX, Monday Friday, XXXX XXXX and Saturday XXXX -XXXX  Eastern time, or visit a financial center near you, which can be located at XXXX XXXX XXXX. 

Thank you for your message and we hope you have a great day, XXXX XXXX. 
Customer Solutions XXXX XX/XX/XXXX XXXX XXXX EST Hello, Please send tell me when I will receive my account bonus. 
Thank you
Complaint sub-issue: Problem making or receiving payments

I received a text on XX/XX/28 at XXXXXXXX XXXX with a US Bank logo asking if I had initiated a large XXXX transfer. It looked legitimate and I responded no. Almost immediately I received a call from " US BANK '' Customer service #. Again, it looked legit. I was persuaded to " reverse '' the payment and in the course of 15 hours lost {$2400.00} to this scam as I was scammed out of every dime I had except {$43.00}. When I asked the " banker '' what was the timeline to see my funds returned and was told 45 minutes. After 1 hour I called US Bank and found that there was no pending reversals and that all of my $ $ was gone. 

I immediately filed a fraud report with US Bank over the XXXX XXXX transactions. I filed a police report, and when I went to my local US Bank with the report information I was treated like the criminal. My account had a 10 day hold on it, during this time I never received ANY communication from US Bank. I had to repeatedly call in to ask a status, I felt that there were no real notes in my file because I had to repeatedly tell the reason my accounts were frozen and I was treated mostly with a non-caring department and felt that I had been judged and discarded. I pointed out that in 10 years with US Bank I had never placed such a claim and why wasn't it questioned when out of the norm. 

On business day 9 I called in to discover US BANK DENIED ALL CLAIMS. How did they investigate and solve without speaking to me? 

I am a XXXX XXXX for my mother and when this happened, had I not had good friends, we likely would not have had food because after the incident I had {$43.00} combined from 3 accounts. 

XXXX said to report it to FBI. 

I want to go to my local news " investigates '' reporter and blast it to all since at this point I am being told I have no other recourse. 

It seems to me that if the BIG XXXX banks created and own XXXX, they are benefiting from " passing the buck '' and we little people have been swept under the rug. 

When I told them that I felt my rights had been violated per the CFPB, I was told that US BANK has a vast attorney base and they absolutely would know if my rights had been violated. And they had not. 

I feel that a class action law suit may be the only alternative I have to recoup my $ XXXX I am XXXX XXXX XXXX and work XXXX jobs. My mother draws {$1000.00} a month in SS benefits so we are not people with ample assets to recover from such a hit. 

This has affected me both XXXX and XXXX and I have no respect at all for US BANK or any other financial institution. 

I have documentation of the denials and I can go obtain the police report that include photos of the alleged bogus text messages and phone calls received from the " customer service '' number if necessary.
Complaint sub-issue: Changes in terms from what was offered or advertised

MONTH EXPIRATION DATE OF THE DEBIT PREPAID MASTER CARD ACCOUNT IS OLIGARCH XXXX XXXX XXXX BREACHES FORGER WIRE FRAUD FEDERAL ACT OBSTRUCTION OF JUSTICE ANTITRUST LAW TROJAN HORSE COSPIRATORS PURJURY R.I.C.O. ACT 1970 SYSTEMATIC XXXX DISPARITIES APARTHEID COLLUDE-COLLUSION ON XXXX.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. My information was exposed in a data breech. The information is inaccurate and have no relation to the accounts reporting .I opt out of any company policies as this is to be handled under FCRA LAW. I will be following up with each company to make sure this is handled in a timely fashion. 

XXXX XXXX ( {$8100.00} ) # XXXX XXXX XXXX ( {$430.00} ) # XXXX INQUIRIES : XX/XX/XXXX XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX XXXX XXXX failed to validate debt, because Under the laws of the CFPB and KY UCC 9.506 and state XXXX and XXXX, I have contacted XXXX XXXX XXXX myself and have been unable to get them to validate the above referenced debt along with a copy of the required notices by the KY UCC 9.506. 
I have requested information on how the debt was verified by Equifax along with the supporting documentation that they have I have enclose copies of my requests to the XXXX that was sent XX/XX/XXXX, asking them to validate my debt, along with proper notices required by KY UCC 9.506. I have also included copy of the original tracking receipt and confirmation of delivery. I was given no response by XXXX to validate the debt or Equifax
Complaint sub-issue: Charged too much interest

I have been charged interest 3 months in a row for the purchases I did not make. They keep charging me interest for {$13.00} as a standard purchase interest for a month where i did {$2200.00} payments and {$0.00} purchases. I called them to sort it out and they say I have to make the payments but my balance has 0 % APR until XX/XX/2020. If I need to pay off my statement balance why is the promotional offer give in the first place with a end data? 
I think this is scam
Complaint sub-issue: Information belongs to someone else

I was taken advantage of due to malpractice while several laws were being broken under FCRA by your company. This has caused the financial injury, defamation of character, unable to get a job, and the inability to apply for credit under my consent and authorization. This has hurt my ability to obtain credit. My family and I are suffering due to this. You are indirect violation of the FCRA if these unauthorized inconsistencies are not removed. This leaves me exposed to being a victim of fraud again. Your company is breaking the law! The dates on the accounts that need to be remove are reporting different dates, that is a huge FCRA violation. Thank you for understanding these violations and these inaccurate fraudulent accounts that do not belong to me.
Complaint sub-issue: Their investigation did not fix an error on your report

I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Equifax and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts listed below. I believe it was reporting in error. 
XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX Balance : {$5800.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$7200.00} XXXX XXXX XXXX Balance XXXX {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico 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 n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three 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 n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 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 n now im XXXXXXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/XXXX {$490.00} XX/XX/XXXX {$270.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$110.00} XX/XX/XXXX {$140.00} XX/XX/XXXX {$77.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$52.00} There are no contracts, no valid claims ... accounts were settled with original creditors by insurance carrier and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow.  Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.
Complaint sub-issue: Information is missing that should be on the report

I recently refinanced my mortgage with XXXX XXXX XXXX and that decision has ruined my credit. My mortgage was refinanced in XX/XX/2018 and Homebridge reassigned the mortgage to XXXX. My mortgage shows on my credit report as paid off. The new loan does not appear. This is the only installment loan on my report, I paid off both of my car loans in XXXX of the same year. Therefore my credit mix is skewed and my points have dropped from XXXX to now XXXX. 
I have called both companies and requested that they report this loan and each just refers me to the other. No one cares about the impact this is having on my credit. 
At this point most of my credit lines have been reduced and other cards have been cancelled by my lenders. I am a co-signer for my elderly mothers apartment. She is entering into a new lease and I can not co-sign because my credit has been ruined by this company. They have such little regard for customers. 
I have never missed a payment in my life, have never filed for bankruptcy, no public collections. And here it is that my credit is being ruined because a loan that I have been paying on time for the last eight years is simply not being reported. 

None of these companies are doing anything about it despite contacting them numerous times. 

My hope was only to reduce my mortgage payments on my loan but this has turned into such a nightmare.
Complaint sub-issue: Account information incorrect

All accounts are medical bills that should not be on my credit report. They sold my accounts to a 3rd Party which is illegal and violation of HIPPA.
Complaint sub-issue: Used obscene, profane, or other abusive language

I got a call from unknown number XXXX. I did not answer as I was at work. The number then called my boyfriend. I got on the line and a gentleman told me he was trying to serve me papers and was not sure what it was about but to call number XXXXI was not able to get to that number so called the XXXX back and told they could connect. This caused red flags as it was the same guy and he did not offer to connect me before. I was connected to a man named XXXX. He told me he was collecting for a debt I owed. I explained I was at work and unable to talk but could call back, XXXX told me he had to have me pay XXXX plus today or they would call my HR. I told him to do what needed to be done and the call ended. 5 minutes later XXXX called my work number XXXX. I advised that he could not call this number as it was my work number and they had my personal cell to call. XXXX said I could not tell him not to call. I asked if he was a collection agency and he said no. I advised that if he was a collection agency I have the right to tell him not to call my job, he said I sounded XXXX and asked me to transfer him to HR. I told him no and to verify my employment to use the work number. He asked if I had that number I told him no but he could XXXX it, I told him I did not know the employer code but if he went to the site and typed in the name he could find it. At that point XXXX screamed at me to transfer him to HR. I stated did you just yell at me on my job phone. I told him this call is being disconnected and hung up.
Complaint sub-issue: Reporting company used your report improperly

In 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. 


XXXX  : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXXXXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX : # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Problem using a debit or ATM card

A week prior to XX/XX/XXXX I went into XXXX XXXX XXXX to ask if they can fix my son 's computer to play video games on it. I specifically said for games such as XXXX and XXXX. The clerk said yes and left it with him. On XX/XX/XXXX received a call stating it was ready and paid the {$420.00}. XX/XX/XXXX and XXXX same clerk who repaired it was on the phone with us walking us thru how to fix it since XXXX   nor XXXX  could not load on computer. We followed the clerk 's instructions on how to fix it via some instructions he found on XXXX and after 2 days it still did not work. XX/XX/XXXX, I went into XXXX   XXXX XXXX asking for a refund and they refused. I gave their merchandise back ( have pics to support this ) and stated I will dispute thru my bank ( us bank ). I called in to dispute the charge and US Bank filed it as fraudulent as I later found out. I specifically explained to US Bank that we are filing a dispute for not receiving the product/service. We were told by US Bank we would receive paperwork in the mail to further explain our dispute and any supporting evidence. We received the refund in about a week. We didn't receive any paperwork as described so we called in. US Bank kept transferring us from dept to dept and stated that they had to refile our dispute. Again we stated we are filing a dispute based on not receiving a product/service. Again, they filed it as fraud as we found out later. A month later we receive a notice stating that after their investigation they didn't discover any fraud as the transaction was done by pin and US Bank withdrew the {$420.00} from my account. I called in again and found out the 2 disputes filed were fraud when I never stated it was fraud. US Bank stated they would refile the claim again. US Bank explained the funds would go back into my account in about a week however the funds never appeared. Multiple calls were made week after week asking when the money would be returned to my account and no one could give an answer. Multiple times as I was on hold for over an hour and transferred from dept to dept as no one could give me a solid answer. Finally, got a hold of someone and they stated based on the type of transaction that was done ( by pin ) it was not fraud. Again i explained I never once said it was fraud I am disputing the fact that I didn't receive my product/service. US Bank stated because 60 days had gone by at this point there's nothing they could do for me as it was too late to file a dispute and to seek legal advice. This claim was handled incorrectly for 60 days and then US Bank covers themselves by stating it's too late to dispute it at this point. This is unfair and I deserve my {$420.00} back for not getting the product/service I paid for. I barely found out about cfpb or I would have filed this a long time ago.
Complaint sub-issue: No notice of investigation status/result

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I have disputed. Being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA - " They are required to promptly delete all information '' which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank you.
Complaint sub-issue: Reporting company used your report improperly

I am a victim of the equifax breech. In XX/XX/XXXX I put in my request to be re-embursed for my part of the settlement. In XX/XX/XXXX they wanted proof of my credit monitoring. I gave them that. I started noticing I was getting credit alerts from them, which, I unsubscribed from. I DID NOT want any credit alerts, I never asked to be given that instead of cash. I think they are beyond arrogant to think ANYONE wants them, the company that did not have my consent to ever give out my personal information, monitor their credit. It's honestly an insult. I want my cash settlement.
Complaint sub-issue: Their investigation did not fix an error on your report

According to the FCRA, it is a violation to report inaccurate information on a credit report, Under the FCRA section 623, it is a violation for the bureaus to still report inaccurate information aften being provided proof of inaccurate reporting, and they can be sued for the extent of damaged incurred by the wrong party.

Furthermore, under FCRA section 605 ( C ) Running of the reporting period, if a creditor, collection agency or CREDIT BUREAU try and RE-AGE your account by updating the date of last activity on your credit file in the hopes of keeping negative information on your account longer it is a violation punishable by {$1000.00} in fines I have enclosed copies of my credit report, and on all the " alleged collections, because they have not been validated by the collection company, ALL the dates of last activity has RE-AGED According to the FCRA, a collection account is suppose the reflect the last date a payment, XXXX, XXXX  and Equifax are in violation of my rights and is subjected to a law suit under these laws/
Complaint sub-issue: Account status incorrect

My credit files contain accounts both past the statue accounts as well as absolute inaccuracies. 
1.XXXX XXXX  Paid as agreed, XXXX balance. 
2. Medical bills XXXX XXXX ( Paid ) falls under the XXXX 3.XXXX XXXX paid as agreed. 
4.Direct and Federal Loans are being reaged. They are reporting delinquent after 7 years. 
5.XXXX XXXX this is not my account. Also show bankruptcy. 
6. XXXX XXXX XXXX as agreed. History reporting inaccurately. Never 30 day delinquent XXXX through XXXX in XXXX. 
7. XXXX XXXX Paid as ageed.
Complaint sub-issue: Their investigation did not fix an error on your report

ATTACHED TO THIS COMPLAINT IS A IDENTITY THEFT POLICE REPORT REGARDING UNAUTHORIZED INQUIRIES. WHEN I CONTACT THESE COMPANIES, THERE ARE NO OPENED ACCOUNTS IN MY NAME. SOME WERE CLOSED DUE TO FRAUD. I AM SUBMITTING MY POLICE REPORT PER THESE COMPANIES REQUESTS. SEE ATTACHED. THIS POLICE REPORT HAS NOT BEEN ALTERED IN ANYWAY, IT IS AUTHENTIC FROM THE POLICE DEPARTMENT.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. The accounts XXXX XXXX XXXX and XXXX CARD which appear on my credit report, does not relate to any transactions that I have made. It is the result of identity theft