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

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit report. I never received any notifications in regards to the investigation results. It has now been over 30 days. I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute XX/XX/2021 30 day demand XX/XX/2021
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 an account without my written instructions.
Complaint sub-issue: Credit denial

On XXXXi applied for an auto loan from XXXX XXXX XXXX XXXX XXXX  in XXXX.I was told I was denied by pnc bank.i contacted pnc bank to know reasons of denial and was told factors on my credit.i explained to pnc that these are factors but are not determining factors.according to law cfr 12 part 1002 b no applicant can be discriminated against for any aspect of a credit transaction.pnc bank also are in violation of usc 15 1611 1-3 of willfully and knowing violation being under the truth in lending act.
Complaint sub-issue: Problem making or receiving payments

bank has made it so im not able to link my account to any other payment site.
Complaint sub-issue: Trouble with how payments are being handled

I have paid over $ XXXX this year and my balance does not drop because when I pay additional above my payment the company will not apply it to the principal balance. Even my mortgage company does not do this. How am I ever supposed to pay the loans off when I 'm paying $ XXXX in a year and see no reduction in my balance? This is a predatory lending practice and should not be allowed - especially with student loans. NelNet is the company my loans are with right now. They refused to apply my extra payment amount differently or provide a refund so I could apply it to different debt.
Complaint sub-issue: Account status incorrect

I AM A VICTIM OF IDENTITY THEFT AND THE ACCOUNTS LISTED ON MY C.F.P.B REPORT DOESN'T BELONG TO ME
Complaint sub-issue: Account status incorrect

This collection from XXXX XXXX has two issues. It is from over 7 years ago and they are trying to collect on equipment that I returned. I returned it with their self shipping label, and they refuse to provide it to me to validate that the equipment was returned. If they would just look into their system, and pull up the records they would clearly see that is was returned.
Complaint sub-issue: Problem with personal statement of dispute

I submitted a dispute to all three credit bureaus regarding items on my credit report. I just checked my credit score and it has dropped my credit score by XXXX points or more. The justification for the change is bogus. This is retaliation for the disputed letters I sent to them regarding information on my credit report and not notifying me of their investigation. All three credit bureaus deliberately acted against my personal credit account. My payment history has been the same and what they are doing is affecting me to purchase a vehicle. They should not be able to do this to consumers. I made a prior discrimination complaint against XXXX for XXXX disparities for their credit reporting practices against minorities. My credit score dropped then too.
Complaint sub-issue: No notice of investigation status/result

The following XXXX accounts were not properly investigated by Equifax and they remain inaccurate and illegally reported to my file. XXXX XXXX # XXXX and XXXX XXXX # XXXX were not properly investigated and I was not given ANY proof or evidence of any reinvestigation that resulted in these items being verified. They are not verifiable and are still inaccurate and contain incorrect information within the reporting. Equifax should not be allowed to report them to my file as the inaccuracies are affecting me financially. I requested absolutely any evidence to be shared with me regarding their investigative duties and i fear that nothing was ever done to properly verify these items because they remain incorrect and i still have not received any documentation or procedures to show any sign of a reinvestigation. I have contacted the furnishers and they have assured me that no one has contacted them to conduct a reinvestigation on the accuracy or completeness of these XXXX accounts. i have spent so much money corresponding with them via certified mail and they continue to give me no answer and no proof. please help me.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXDOFED, # XXXX XXXX/DOFED, # XXXX XXXX/DOFED, # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DOFED, # XXXX XXXX/DOFED, # XXXX XXXX/DOFED, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DOFED, # 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 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: Talked to a third party about my debt

Contacting businesses around community asking if I am employed there.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX 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 XXXX 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 XXXX 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 XXXX now im XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help
Complaint sub-issue: Problem with fees

Around XX/XX/2018, I ordered two items from XXXX 's using my XXXX 's credit card. I rarely use that card and had forgotten I had ordered anything from them. I had received the items, but since it was nearing the beginning of the school year, and I XXXX, I often buy clothes for school in XX/XX/XXXX, and I lose track of where they come from. I never received any kind of billing notice - either through my email or the postal service. Today ( XX/XX/2018 ), I saw a notice online of a change in my credit rating due to the non-payment of the XXXX 's card. When I called XXXX 's ( I had originally thought this was a fraud incident ), they informed me that the original {$110.00} bill was now {$180.00} due to late fees. This had happened to me several years ago, but for some XXXX reason, I opened another line of credit with them a couple years later. XXXX 's insisted I had been sent notice of the bills, but I never have. When I was talking to one of the associates early in the process of trying to resolve the issue, I was asked if I wanted to establish a verbal password in case someone ever tried to call and pass him/herself off as me. I agreed. the associate said I would get a notice on that in my email. She made sure she had my email address correct. That email never came. That was 6 1/2 hours ago.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Key Bank approved a fraudulent charge of {$140.00} on my Master Card ending in XXXX. I had ordered a teeth whitening product online from XXXX and paid {$8.00} up front on my MC with a guaranteed " TRY BEFORE YOU BUY '' trial period, which begins 10 days after I receive the product. I received the product on XX/XX/2018 but XXXX charged my CC {$140.00} on XX/XX/2018. Thus, they wrongfully charged my CC a full 6 days before my " TRY BEFORE YOU BUY '' trial period of 10 days had ended. I called XXXX XXXX on XX/XX/2018 when I noticed the {$140.00} charge to dispute it, but their representative told me they wouldn't reverse the charge. I asked to speak with their supervisor, but they told me their supervisor was not available. After I got off the phone with them, I called Key Bank 's Credit Card Dispute line and told them I'm disputing the charge. 

Key Bank mailed me the attached Dispute form letter on XX/XX/2018 asking me to respond back to them by XX/XX/2018. I mailed them my attached response letter on XX/XX/2018 disputing the {$140.00} charge ( see attached Certified Mail Receipt ). 

Key Bank then mailed me the attached letter on XX/XX/2018 stating that the {$140.00} charge was a valid charge, even though I told Key Bank that I tried to avoid the {$140.00} charge by calling XXXX  to cancel within my 10 day guaranteed " TRY BEFORE YOU BUY '' trial period.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Looking over my credit report and notice some a hard inquiries that I do not recognize and are all over 90 days old and this : 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: Was not notified of investigation status or results

Sent in three dispute letters to all credit report agencys regarding account XXXX XXXX ) account is not mine, please delete it. Put a fraud alert on my account due to my name being used, credit agency is not verifying these accounts.
Complaint sub-issue: Didn't receive notice of right to dispute

THE PROPERTY OF XXXX XXXX XXXX XXXX, AZ WAS OWNED BY MY OWNED WHO PASSED AWAY XX/XX/XXXX. XXXX XXXX DID NOT ALLOW ME TO PURCHASE THE PROPERTY INSTEAD LED IT TO FORECLOSE. I PAID ALL THE TAXES AND INSURANCE FOR YEARS. TO DATE THE FORECLOSING COMPANY DID NOT SEND PROPER NOTICE OF THE CURRENT FORECLOSURE SET FOR XX/XX/XXXX AT XXXX. MY MOTHER HAD XXXX 2 YEARS PRIOR TO THE ORIGINATION OF THIS LOAN. ALL DISBURSEMENT OF FUNDS ARE UNKNOWN.
Complaint sub-issue: Received bad information about my loan

AES is reporting 120 days late remarks on my credit report for XXXX accounts AES/XXXX and AES/XXXX. I completed a student loan rehabilitation program years ago and paid loans on time monthly as soon as I became employed ( I lost my job and defaulted on loans prior to rehabilitation ) in any event i was told after XXXX mos of on time that loan would be out of default and derogatory lates will not be reported and I made actually more than XXXX months because AES was paid in full as I consolidated with myfedloan servicing because I 'm now a fed employee. The accounts are still reporting derogatory 120 days late yet AES /pheaa is showin current closed and paid AES/XXXX and AES/XXXX accounts need to stop reporting old late payments as promised and they defaulted before statute of limitations and should be removed from repeats
Complaint sub-issue: Debt is not yours

I have already disputed this account with Hunter Warfield. I submitted proof of previous disputes showing not my account. I disputed with all Credit reporting agencies and this account was removed. I have included the same payment agreement for credit card authorization or check deposit that I included within my last dispute that resulted in the removal of this account. I have also sent a verification of debt sent by Hunter Warfield showing original account # XXXX yet original creditor shows acct # XXXX. This is a direct violation of my rights and I request the immediate removal of this account from all credit reporting agencies whom has been notified. Hunter Warfield is required to notify me within 5 days prior to re-insertion. That did not happen. They also have this information on record per previous disputes, yet still reporting this account to credit reporting agency.
Complaint sub-issue: Personal information incorrect

XX/XX/2022- XXXX I disputed an account that is reporting on my credit report. Hunter Warfield, Inc is reporting a account that is not affiliated with me. I requested a notification letter from Hunter Warfield through the Consumer Financail Protection Bureau. I attached that letter with this complaint as proof. Please check the address that is on the letter. I do not have a previous nor present address of XXXX, NC XXXX. Therefore Hunter Warfield DID NOT NOTIFY ME as the LAW requires. Fair Debt Collection Practices Act law 15 U.S code 1692g states clearly that a creditor must recieve notification before a debt collector puts information on a consumers file. Please check my addresses on my XXXX credit report. Reinvestigate this account please.
Complaint sub-issue: Received bad information about my loan

I believe I have Genesis loans from XXXX Colleges and would like to know if they were included in the CFPB settlement.
Complaint sub-issue: Information belongs to someone else

This is my second-time requesting 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 from my credit report : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1300.00}
Complaint sub-issue: Received bad information about your loan

My previously serviced, XXXX, XXXX XXXX XXXX XXXX XXXX student loan amount of which is {$8200.00} and {$1000.00} & {$22000.00} which equals the total of : {$12000.00} was consolidated into my Great Lakes dept of Education student loan balance on XX/XX/2009. 

I also notice that the same amount of {$8200.00}, {$1000.00}, & {$2200.00}, the total then {$12000.00} show up on my credit report as a separate line item, when it was consolidated. 

XXXX was bought and sold multiple times, to XXXX, and the last was XXXX sold from one financial institution to another, that information has cluttered my credit report. because it was purchased many times over. 

However, it is duplicate information meaning the same loan is posted more than once by the same lender, it shouldnt be listed as multiple accounts. 

During that time it appears that mishandling of the student loan was improperly handled and reported as a separate loan. 

I believe the credit reporting agency, XXXX, and XXXX and XXXX   mishandled the reporting of the consolidated loan, to a separate loan and line item. 

This is producing duplicate information meaning the same loan that is consolidated is showing as a separate loan, which is unacceptable, it needs to be removed because it is already included in the Great Lakes dept of education balance.
Complaint sub-issue: Information belongs to someone else

This is my second-time requesting 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 XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX A ) XXXX Balance : {$7400.00} XXXX CARD XXXX Balance : {$16000.00} XXXXXXXX XXXX  XXXX Balance : {$4000.00} XXXX XXXXXXXX Balance : {$9100.00}
Complaint sub-issue: Their investigation did not fix an error on your report

Discover keeps reporting debt when I was given a 1099c. And Discover refuses to state on my report that when I filed my 2020 taxes debt was reported. Discover will not change information on my credit reports. Also I need proof of the dates that Discover claims I was late. Please provide records of the late payments Discover is claiming as I dont remember the late payments.
Complaint sub-issue: Debt is not yours

Someone with the same name as me, the same date of birth, who failed to pay the balance of their account and failed to return the equipment to XXXX ( XXXX XXXX ). 

This is the second time XXXX  has misreported a collections account as me. A few years ago I saw an account show up on my credit report as in collections. I disputed the account with XXXX, and within a few weeks it was removed. This time when I disputed this new account in collections, XXXX said that they confirmed it was my account, so I contacted the collections company I.C. SYSTEM INC. on XX/XX/XXXX to gather all the information I could on the account and see how this could be resolved. I spoke with a XXXX ID # XXXX who confirmed that the only information that matched mine was my name XXXX XXXX, and my date of birth, XX/XX/XXXX. The service address, phone number, email, is different. XXXX told me to contact XXXX and submit a fraud case. 

I contacted XXXX, opened a fraud case ( XXXX fraud case # XXXX ). The agent I spoke with confirmed that the social security number on the service account the collections account is regarding does not match my social security number, so I disputed the collections account with XXXX again, uploaded scanned copies of my driver 's license, social security card, and passport. XXXX closed the dispute on XX/XX/XXXX with the findings that I.C. SYSTEM INC. confirmed the collections account is me. So when I saw this today ( XX/XX/XXXX ) I called I.C. SYSTEM INCXXXX at XXXX XXXX  EST to ask how they are confirming the account belongs to me. The person I spoke with said that when XXXX investigates the dispute, they just confirmed the information that they have, which in this case, is just the name XXXX XXXX and the date of birth XX/XX/XXXX. I.C. SYSTEM INC. said they do not have this person 's middle name and they do not have this person 's social security number. 

XXXX  is asking me to file a police report claiming identity fraud, but I do not believe this other XXXX XXXX used my identity to open an account, I think XXXX  ( XXXX XXXX ) is improperly reporting the information to their hired collections company I.C. SYSTEM INC. 

I have an active service account with XXXX and I believe they're misreporting that information. 

It is extremely frustrating that this is the second time XXXX has done this, docking my credit score, taking up a lot of my personal time, and causing me undue stress.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reporting a Bankruptcy that is not on the other credit bureaus and has not proven or validated with any paper work
Complaint sub-issue: Debt was result of identity theft

XXXX XXXX XXXX is listed on my credit for {$1600.00} for a XXXX XXXX account. Back in 2013 I was a victim of identity theft. I have called and wrote numerous letter stating this account was opened without my permission, asking for assistance on how I can get this removed. My identity was stolen back in 2013, and this account was opened. I have sent validation letters, good will letters and also I sent in my police report to this company with a response to nothing. This company has called me several times about the debt as well.
Complaint sub-issue: Information belongs to someone else

I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

US DEP ED XXXX {$12000.00} DPT EDXXXX XXXX {$2200.00} XXXX XXXX {$2400.00} XXXX XXXX {$280.00} XXXX XXXX XXXX {$50.00} XXXX XXXX  XXXX {$550.00} XXXX   XXXX {$7000.00} XXXX XXXX  XXXX {$460.00} XXXX XXXX XXXX {$760.00} BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00}
Complaint sub-issue: Information belongs to someone else

I was at XXXX XXXX  today XX/XX/20 and they ran my credit to see if I could finance some phones but I was told that I was denied because there were several accounts in negative standing appearing on my credit. I had no idea what accounts they were talking about so I got a copy of my credit report and I saw about ten accounts with negative payment history that don't even belong to me. I did not open any of these accounts nor did I allow anyone to open them in my name. I am not affiliated to any of the companies I listed on this report nor did I gain anything from these accounts such as money, goods, services or any other benefit and I never made any payments towards these accounts. I'm not sure who is responsible for these accounts but I have already filed a police report.
Complaint sub-issue: Was not notified of investigation status or results

I sent a dispute letter on XX/XX/2020 about the inaccurate and wrong things on my credit report. Its been over 40 days and I have not received any word back about my credit report. I think I'm being ignored and my dispute is being disregarded. 611 ( a ) States that if a credit reporting company has not completed an investigation in 30 days the information being disputed should be deleted. Its been over 40 days, so I demand that these accounts be deleted at once or I will file for litigation due to the hardship Ive had to experience. My information was also impacted by the Equifax data breach and may have gotten into the wrong hands.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Im writing to dispute information on my credit report. 
This information, in my credit inquiries from this companies : XXXX  XXXX XXXX, inquired on XXXX ; XXXXXXXX XXXX  XXXX XXXX on XXXX ; XXXX, XXXX on XXXX ; XXXXXXXX XXXX XXXXXXXX, inquired on XXXX ; XXXX XXXX NA, inquired on XXXX ; XXXX  XXXX on XXXX ; XXXX XXXX XXXX XXXX XXXX on XXXX ; XXXX XXXX inquired on XXXX ; XXXX XXXX XXXX, inquired XXXX XXXX ; XXXX BANK, inquired XXXX XXXX ; XXXX XXXX, inquired XXXX XXXX XXXX XXXX XXXX, inquired on XXXX ; XXXX  XXXX inquired on XXXX ; XXXX XXXX, inquired XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX BANK, inquired on XXXX XXXX XXXX XXXX XXXX, inquired on XXXX XXXX XXXX XXXX  XXXX, inquired on XXXX ; XXXX XXXX XXXXXXXX, inquired on XXXXXXXX XXXX XXXX XXXXXXXX,, inquired on XXXX ; XXXX is inaccurate because I did not request credit with them.