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

XXXX XXXX XXXX has closed my line of credit as a retaliation under the XXXX. 

Pursuant to the Fair credit Billing Act XXXX hasnt taking care of the bill error regarding the billing errors requested in XX/XX/2020 concerning a timely requested under the FCBA. 

The payment was withheld regarding the disputed amount pursuant to the Fair credit Billing Act. 

In Or Around XX/XX/XXXX, XXXX issues a letter saying that the requested made in XXXX was untimely but credited the disputed amount. 

On XX/XX/XXXX, without my consent regarding permissible purposes under section 609 of FCRA, the XXXX Equifax and XXXX released credit information without my consent. 

Do to my XXXX XXXX XXXX has closed my account regarding my credit report without consent regarding permissible purposes under the FCRA.
Complaint sub-issue: Credit denial

This company has denied me a loan when I have a 700+ credit score, 0 % debt to income ratio and a {$10000.00} monthly income. I have paid multiple car loans and dont have any missed payments on my credit report. This company gives loans to clients who make less money, have more debt with a lower score. I feel as if I have been discriminated against because of my age and color. They dont want a XXXX year old XXXX man buying a brand new XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX  Account # 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 XXXX XXXX Equifax Account # : XXXX XXXX XXXX Bureau Code : Individual Individual Individual Account Status : Open Open Open
Complaint sub-issue: Didn't receive enough information to verify debt

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that RECEIVABLES MANAGEMENT would verify the debt. So I took it upon myself to ask RECEIVABLES MANAGEMENT for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Complaint sub-issue: Account status incorrect

I contacted the student loan agency about me being in deferment and I was still reported late. They said it will be updated but nothing happened. The credit bureau didn't follow guidelines and still reported me late.. I came to this country with a vision to succeed. I would never be late on my bills. I work hard to survive and make it.Please help with justice to get these 13 lates removed from my report. Its actually one loan but its reported different on my report. I contacted the student loan to verify. Im beibg reported late 13 times. Please help to update my report
Complaint sub-issue: Information belongs to someone else

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$0.00} XXXX XXXX {$300.00} XXXX XXXX {$12000.00}
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/22, I submitted a dispute to my credit card company regarding a charge from XXXX XXXX lines that was applied however the charge was paid in cash. The credit card company responded back on XXXX that the dispute was closed without properly resolving the issue and providing zero evidence from XXXX XXXX  of the transaction. These charges were paid for in cash while on the cruise ship. The cruise ship app which lists all transaction history is no longer accessible while not on the ship. It has now been 30 days since this was originally disputed and the charge is still showing and again with zero evidence of the monies being owed from XXXX or Citibank. At this point the charge needs to be removed before I pursue legal action to remedy the situation. Failure to remove the fraudulent charge will result in a lawsuit. I will be contacting the Texas Attorney General to pursue legal action if this matter is not resolved and the charge is not removed permanently within 48 hours. I will be pursuing legal action against both Citibank and XXXX XXXX XXXX. Please see attached check that was refunded to me for overpayment.
Complaint sub-issue: Investigation took more than 30 days

Dear Bureaus, I have submitted multiple FTC reports and police reports requesting the removal of some accounts that were fraudulently open under my Name. You have completely ignored my request after many attempts. You have taken over 30 days to resolve my issues and have also not provided me with an actual investigation other than just saying " we have verified with the data furnisher '' I have been demanding proof and have not received. You are committing a violation which I am protected by the Congress under the Fair credit reporting ACT FCRA. Below I will state my issue one more time! 


I, XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ) The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1.. 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 Delete this account immediately, unless you want to be held {$1000.00} per violation 2. XXXX  XXXX XXXX # XXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation 3.. XXXX XXXX # 517805 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 Delete this account immediately, unless you want to be held {$1000.00} per violation 4.. 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 Delete this account immediately, unless you want to be held {$1000.00} per violation 5. XXXX # XXXX XXXX5 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 Delete this account immediately, unless you want to be held {$1000.00} per violation 6.. 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 Delete this account immediately, unless you want to be held {$1000.00} per violation 7. 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 Delete this account immediately, unless you want to be held {$1000.00} per violation
Complaint sub-issue: Sent card you never applied for

XX/XX/XXXX I received a card in the mail noted as a XXXX  XXXX  in my name : XXXX, exp XX/XX/XXXX in which I am unaware of any affiliation with a DC.gov card with U.S. ReliaCard Bank ( USBANK ). The phone number on the documentation listed cardholder services as XXXX. When contacting the organization, I was asked for my birthdate and social security number which I clearly would not provide. 

The customer service representative would not provide any information as to the legitimacy of the card or who they represent unless I provided the personal information requested. 

I did not request any XXXX card listed. Their return address on the very official-looking paperwork is District of Columbia XXXX XXXX XXXX XXXX, XXXX, IN XXXX. I am happy to provide any and all information that I have received.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX Balance : {$610.00} ; XXXX XXXX XXXXXXXX Balance : {$510.00} ; XXXX XX/XX/XXXXXXXX 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 XXXXXXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Information is missing that should be on the report

FEDLOAN {$2500.00} XXXX. I have reached out to FEDLOAN in reference to this account. The account is reporting inaccurate information. 90days late payment without it ever reporting 30 or 60day late.which is a violation of fair credit reporting act.
Complaint sub-issue: Debt was paid

I ran my credit report as I am in the process of purchasing a home. I notice there was a negative mark on my credit report for a unpaid debt for XXXX XXXX, a cable company. I contacted XXXX XXXX to solve this issue. 

The original creditor, XXXX XXXX sent me an invoice for the amount of {$270.00}. Payment was sent immediately to them, payment cleared the bank on XX/XX/2019. Per the rep, the account was paid in full now. 


On XX/XX/2019, ERC, collection agency send me a Collection Notice for the amount of {$82.00}. On XX/XX/2019 I sent ERC a dispute/validation letter for this amount ( sent via certified mail ). They sent me an old invoice of {$510.00}, which does not explain a detail explanation of the amount of {$82.00}. 

On XX/XX/2019, I called ERC to let them know that the account was paid in full. The gentleman at ERC has not intentions of doing anything about the situation, they still want this amount to be paid.
Complaint sub-issue: Information belongs to someone else

information on my account is not accurate, credit bureaus reporting misleading and wrong information.
Complaint sub-issue: Didn't receive notice of right to dispute

XXXX notified me of an alleged debt with XXXX XXXX XXXX. If did not recognize a debt therefore, I sent the debt collector a letter, and asked for verification of the debt.. XXXX made no additional communication addressing the problem. On XX/XX/2021, I received notification from the XXXX app that my credit report had been updated with Enhanced Recovery Collections. I conducted research on the company and obtained their contact information. I was informed that ERC has been in possession of the file since XX/XX/2021. There was no correspondence regarding this purported debt. I was presented with wrong contact information on file with Enhanced which is why they were unable to contact me. According to what I was told, the search revealed that those were the most established locations and phone numbers. I never resided at the address, and the phone numbers were at least 15 years old. How valid is this debt, if the creditor did not have my address? What happened with XXXX? ERC, did not have the correct information. This tactic impacted my credit report and score. The 30 days have passed. Am I able to send verification of debt letter?
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Reporting company used your report improperly

Last year I discovered a false account with XXXX, XXXX XXXX, XXXX XXXX, US Dept of Ed and XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but they denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but they refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine
Complaint sub-issue: Threatened or suggested your credit would be damaged

Hunter Warfield placed a collection debt on my credit report thus ruining my credit for a charge of {$3800.00}. Concession Charge Back {$720.00}, Insufficient Notice Penalty {$1800.00}, Keys and Locks {$60.00}, Lease Termination Fee XXXX, Move Out Check List Charges {$36.00}, Rent XXXX. My ex wife kicked me out the apartment on XX/XX/2020, I called XXXX the leasing agent on XX/XX/XXXX to inform her what happened, she was so rude on the phone and hung up on me. l informed Hunter Warfield I moved in with my ex wife XXXX XXXX and I did not sign any lease prior to XX/XX/2020. The lease I signed was in XXXX/XX/XX/2020 which did not take effect till XX/XX/2020. l asked XXXX XXXX in XX/XX/2020 to send me a copy of the lease I signed prior to XX/XX/2020, have received nothing as yet. l always paid our rent on the Ist of every month.l don't owe XXXX XXXX XXXX  anything. 
Thanks
Complaint sub-issue: Reporting company used your report improperly

I tried to find out from the creditor that used the information they said they received from the credit reporting company. The company did not send new information they sent a month or two old information in my credit file. By doing this one of my credit card company lowered my credit limit after I made my new payments to all of my creditors. 
Now one credit card company is showing my account as over the limit. It wasn't over the limit with XXXX and XXXX billing cycle because my limit wasn't lowered until I paid my bill a third down. Something is illegal going on. 
I sent 2 attachments : the 1st shows XXXX XXXX that's the company reduced my limit that makes my account appear over the limit you can see where they got paid the {$1000.00} and you can see all of my other debts got paid substantially as well who did not lower my limits ; the 2nd is a copy of XXXX credit report showing I am not over my creditblimit before I made the {$1000.00} payment to XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

My wife and I have been a victim of identity theft. We have never filed for bankruptcy or had the need to do so. We have been trying to remove this from our reports since we first found our 5-6 years ago. These accounts on my report and bankruptcies are not mine. Please remove these items from my report.
Complaint sub-issue: Public record

I filed a complaint with Equifax Credit Reporting bureau on XX/XX/XXXX. I received notification that the dispute was resolved on XX/XX/XXXX. The dispute was concerning a public record from a judgement placed by XXXX case ( # XXXX ) which was filed on XX/XX/XXXX. It is currently classified as " satisified '' as of XX/XX/XXXX. This judgement should have never been placed on my credit report because it was filed and placed on my credit after I filed the bankruptcy and the bankruptcy was discharged on XX/XX/XXXX. I filed disputes with XXXX and XXXX and they both removed the judgement from my credit report. I contacted Equifax via phone and spoke with both a representative and a supervisor. The supervisor was rude and stated no matter what documentation I provide whether it is from a court or any other entity they would not remove this discrepancy/incorrect information from my report. I would like for this to be removed from my credit as soon as possible please and thank you
Complaint sub-issue: Reporting company used your report improperly

I am a live single human being typing this narrative! 

In accordance with the Fair Credit Reporting Act. 
The list of accounts below have violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACOUNT # XXXXXXXX XXXX ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXXXXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX  ACCOUNT # XXXXXXXX XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXXXXXX XXXX ACCOUNT XXXX XXXX Have violated my rights 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 an 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 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 the information is inaccurate
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights. 

- 15 U.S.C 1681 section 602A section 2 : states I have a right to privacy.

- 15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

- 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 of any other adverse item of information other than records of convictions of crimes which antedates the report by more than XXXX years. 

- 15 U.S.C 1681 s-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 reasonanble cause to believe that the information is inaccurate. 

XXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXXXXXX : XXXX XXXXXXXX XXXX XXXX  XXXX and XXXX XXXX XXXX : XXXX, XXXX, and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX and XXXX
Complaint sub-issue: Information belongs to someone else

Previously filed complaints not resolved. The wrong name, XXXX XXXX, with an address in XXXX still show-up on my credit report. The fact that the false collection shown by these agencies is now removed, doesn't nothing to fix the underlying problem. The next time this XXXX  has a late charge or collection it will again show-up on my credit report because her information is falsely shown on my credit report!
Complaint sub-issue: Attempted to collect wrong amount

on XX/XX/2021, i sent PLAZA SERVICES, LLC a letter requesting for the validity of the alleged debt of {$3200.00} that i do not owe or had dealings with.i have not heard from them and i need for them to remove it from all 3 CRA 'S.
Complaint sub-issue: Investigation took more than 30 days

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding an alleged Bankruptcy Account Case Number : XXXX. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged Bankruptcy Account. I have even requested documents to be provided to prove that the payments were indeed in the Bankruptcy Account. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?
Complaint sub-issue: Didn't receive enough information to verify debt

On XX/XX/XXXX I received an email from a company I had never contacted or done business before indicating that they purchased a debt and I was to make monthly payments to them. I notified them once on XX/XX/XXXX, and again on XX/XX/XXXX that I wished for them to provide verification of this debt. 

They did not respond to those requests. 

Earlier this month I noticed they had reported an account in my name as delinquent. I contacted them to try and resolve this issue. After much back and forth they sent me verification of the debt on XX/XX/XXXX, and I received it on XX/XX/XXXX. I withheld payment as the debt was never verified, and the now refuse to alter their reporting.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have no knowledge of the following inquiries on my reaccredit report 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: Contacted employer after asked not to

Hi, I have asked to not be contacted at work because I am not allowed to receive personal phone calls or visits of any kind. The person I spoke with on the phone today stated that they would call my work even though I agreed to use their website to set up a payment plan.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I am a federally protected consumer and the original creditor. I am not obligated to Carmax auto finance alleged debt. The Federal law states that any person sending you a " bill '' is in violation to your consumer rights. Carmax auto finance is in violation to FCRA, FDCPA, and TRUTH AND LENDING ACT. Carmax continues to collect on this alleged debt and has been negatively reporting on my consumer credit report. I did not give carmax auto finance DIRECT consent to report on my consumer credit report pursuant to 15 usc 1692c ( a ).
Complaint sub-issue: Account information incorrect

Equifax Credit Report confirms XXXX XXXX XXXX  Account STATUS OPEN opened XX/XX/2004 Limit {$6.00}, XXXX XXXX Bal. THIS APPEARS AS AVAILABLE CREDIT PREVENTING MORE CREDIT. * Also Credit Report confirms NO PAYMENT HISTORY HAS BEEN REPORTED BY THIS CREDITOR. I believe THIS FIX WILL INCREASE MY CREDIT SCORE when accurately reported by XXXX XXXX XXXX. I HAVE EXCELLENT CREDIT THEY DO NOT REPORT? I request this status be closed AND I request my good credit BE REPORTED TO ALL 3 CREDIT REPORTING COMPANIES.