Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the XXXX Credit Bureau XX/XX/XXXX to REMOVE this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor. 
DEPT OF ED/NELNET XXXX XXXX : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} XXXX Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened XXXX XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX XXXX : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened XXXX XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX
Complaint sub-issue: Information is missing that should be on the report

I ran a credit check Q4 of last year and realized 2 of the 3 major credit reporting bureaus were missing my education loan accounts. XXXX   and Equifax do not see my XXXX  open accounts as existing,XX/XX/XXXX reports them correctly. 

I then contacted XXXX thinking this was a reporting error on their side. They got back to me stating they are indeed reporting, otherwise XXXX  would not be getting the reports and the " fixing '' needed to be done on the credit bureau side. 

I called XXXX  and their Dispute Dept. representative told me that XXXX is a " subscriber '' and they are receiving no information from them regarding my account. They also mentioned that I would need speak with them and have them get in touch with XXXX directly. Calls to Equifax were futile as I kept being put on hold and the line would drop. 

I then called XXXX back and was escalated twice to different supervisors and each level also confirmed they are indeed reporting the data and they do not know what else they can do. 

I need the CFPB to moderate the exchange as neither group seems to be able or willing to coordinate a problem solving relationship regarding my particular issue. 

As an additional note, XXXX is confirmed to have all the necessary documentation for this case.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020 I sent a letter to XXXX, Equifax, and XXXX about the inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response from anyone. I feel like I am being ignored and taken advantage of regarding my disputes. This has really caused me a lot of stress as I have been unable to move on with my life.Please help me. Thank you.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020 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. I feel I am being taken advantage of and being looked over in my disputes in detail. According to section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove items from report, it has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted the Equifax  data breach and may have got into the wrong hands.
Complaint sub-issue: Funds not handled or disbursed as instructed

Back in XXXX of 2021 I was awarded grant funds from SBA in the amount of XXXX. Citi without warning disabled my account and stopped me from accessing my funds even though I pleaded with them at the time that I was in another country and was trying to get home so my daughter could get medical attention. They did not care. Once I was able to get home after borrowing money from family I received a letter in the mail that stated I had 10 days to prove my XXXX was my own. Upon me calling to submit my documents they told me it was too late and the account was going to be closed. I got the run around for 3 months even though they told me the account would be closed 30 to 60 days it took 90 days to close. They told me the funds that were granted to me were returned to the SBA and I waited for months to receive reimbursement. Finally after calling so many times Citi admitted that they still had the money even after telling me they didnt for months. I was then told that in order to get my money I would need to go to my nearest branch and pick up funds. I pleaded with them and told them there were no branches in the state of GA and that my nearest active branch was in fact in Florida XXXX Florida. After constant calling I decided to finally go and see if I could pick up the remaining of my funds of {$10000.00} The banker XXXX told me it was not possible so a trip taken for nothing I wasted hundreds of dollars and Citi reps or the company still had no mercy they then proceeded to say changing their entire story that the SBA needed to have a subpoena sent for me to get my funds or they would keep my funds indefinitely. I attempted to have this done Turns out SBA could do nothing for me. As they have stated many time the money is supposed to be sent back to the treasury then to them once declined by the bank. No one could understand why Citi held on to my funds the way they were doing they never had any real answers as to why my accounts were closed but still had not sent my money even though the accounts are literally closed and they stated if I did not get subpoena they keep my funds indefinitely. This has been the worst experience of my life and I want justice I'm tired of calling speaking to their rude nonchalant representative who are just so nasty. I want justice I want my money and I want compensation that I spent months and months trying to make it without the money that was awarded to me! I need that money now and needed it then!
Complaint sub-issue: Their investigation did not fix an error on your report

I sent in disputes along with the police report and XXXX, XXXX, & EQUIFAX continues to report these accounts that I do not recognize. Some of these accounts were reported as fraud with the police.
Complaint sub-issue: Account status incorrect

I've had several fresh start accounts with XXXX. One of the accounts had a credit limit of {$200.00}. I opened this account in XXXX of XXXX and I paid this account in full XXXX of XXXX. Instead of the Credit Reporting Agencies stating on my consumer report the account is paid in full an in good standing, it's states it's included in a bankruptcy and has been charged off. I've requested that this account be investigated and corrected in the past, but it remained the same. My last name was XXXX when I opened the account.
Complaint sub-issue: Account information incorrect

My credit reports from XXXX, XXXX and Equifax are reporting missed payments for my XXXX Credit Card Account which is false. The two missed payments are dated on two separate occasions in 2019. These missed payments are false and need to be corrected, as they are impacted my credit worthiness. I have called XXXX and to no avail they are saying they are accurately and can not reverse. I have submitted a dispute with all three credit bureaus and are waiting for replies.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. some one broke into my Dad 's house years ago and stole everything including my personal information. I been reaching out using dispute letter sending them in certified with my correct information correctly spelled name birthday social address and demanding fraudulent account to be deleted from my credit report. my last letter I sent in was XXXX/XXXX/2021 certified with copies of my FTC report Drivers license Social security card and bank statement. nothing has been deleted or removed I will be attaching copies of the document I sent in to this report.
Complaint sub-issue: Information belongs to someone else

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items from my report. 
DEPTEDXXXX {$3000.00} DEPTEDXXXX  {$4800.00} XXXX {$250.00}
Complaint sub-issue: Their investigation did not fix an error on your report

PLEASE INFORM ME AS TO WHY THIS ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORTS. I HAVE ATTEMPTED SEVERAL TIMES TO DISPUTE THIS ACCOUNT OFF AND NOTHING HAS BEEN DONE ABOUT IT, NEITHER IS IT VERIFIED OR ACCURATE WHAT SO EVER. THE ACCOUNT FOR XXXX LOOKS LIKE IT'S FROM XX/XX/2017 WITH A BALANCE OF XXXX, REPORTING 60 DAY LATE PAYMENTS. PLEASE INFORM ME AS TO WHY IT'S STILL ON THERE.
Complaint sub-issue: Reporting company used your report improperly

THIS ACCOUNT HAS VIOLATED MY RIGHTS ( ( XXXX XXXX ) XXXX U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) XXXX 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 XXXX years. 

15 U.S.C. 1681XXXX XXXX XXXX XXXX XXXX XXXX ) 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: You told them to stop contacting you, but they keep trying

XXXX XXXX has called my job where I work in a call center. So any of my coworkers can get the call and they are trying to track me down. The problem with this they number they are calling for my job they are not supposed to call that number because they number is for internal use only. When I explained that to XXXX he continued to talk over me in a very rude and condescending manner. He basically told me it 's their job to track me down and they have a right to call my job if they can not reach me on my personal number. I asked him to stop calling my job and to take my jobs number out of their system. He would not provide me proof of this and continued to be condescending to me. They can cause me to lose my if they do n't stop calling my job. It is adding stress to me that I do n't need.
Complaint sub-issue: Information belongs to someone else

I am writing to delete the following information in my file. These items I need deleted contain inaccurate information and must be deleted as soon as possible. I am a victim of identity theft and did not make these charges. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Card opened as result of identity theft or fraud

I am a victim of identity thief and that should have never came by verified. I recently went to Equifax 's site to see if my information was compromised in the actual breach and it was. Attached are documents with my claim number XXXX for compensation for damages done to my credit BY THE BREACH. 

The accounts and addresses below are not mine and were opened fraudulently. Please delete them from my credit report Permanently!! 
XXXX- opened XXXX XXXX XXXX XXXX- {$390.00} XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX- $ $ {$06.00} XXXX XXXX  Account No. XXXX XXXX XXXX XXXX Account No. : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX AND PLEASE MAKE SURE THAT MY CREDIT REPORT IS NOT FROZEN OR LOCKED. I HAVE BEEN TRYING TO PULL MY CREDIT SCORE FROM DIFFERENT PLACES THAT OFFER IT FOR FREE BUT COULD NOT. PLEASE SEND ME A FULL DETAILED READING OF MY PERSONAL CREDIT REPORT SO I CAN KEEP AN I ON MY CREDIT. 

By law part of my Compensation approves, Four years of specially negotiated, three-bureau credit monitoring and identity protection services through XXXX and an additional six years of one-bureau credit monitoring and identity protection services through Equifax XXXX The XXXX monitoring has a comparable retail value of {$24.00} per month and has a number of features that are typically not available in free credit monitoring services offered to the public. ( App. 6, 33-43 ). 
The one-bureau credit monitoring shall be provided separately by Equifax and not paid for from the settlement. 
I received A copy of my credit report and The ADDRESSES AND FRAUDULENT ITEMS ARE HIGHLIGHTED on a printed screenshot so theres no confusion about accounts nor companies that I am disputing. 

DO NOT PLACE A FRAUD ALERT NOR ANY FREEZES ON MY CREDIT REPORT.. 

Section 605B of the Fair Credit Reporting Act, which requires you to DELETE the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Complaint sub-issue: Card was charged for something you did not purchase with the card

When I originally opened my card there was a problem reconciling the balance vs what I actually charged and paid. I called in to have it resolved and it was fixed however, they were unable to tell me why there was a difference ( in their favor ) in what was actually on my statement, what I charged/returned and what the balance actually was. Fast forward to today, I have been attempting to order items since XX/XX/XXXX. The first order was cancelled, I called to find out why, I was told it was cancelled due to an error. I resubmitted the order on XX/XX/XXXX, it was cancelled again. Still without reason. Now I notice that my balance isn't adding up. I asked for a review, no one can tell me how to get that done. I was given a {$50.00} gift card for my trouble, however my account is not corrected. On XX/XX/XXXX my 3rd order of the same product was AGAIN mysteriously cancelled. I was on the phone and emailing for hours. No reason. I again asked for my account to be fully reviewed. I was told that the transaction did not go through on my account so my balance was correct. This is absolutely wrong. My balance has shown different amounts every time I've logged in yet there are no actual transactions on my account. Today was the final straw. I asked specifically for an investigation and executive review and was told that they were unable to help and I needed to again call the credit department. I advised that I am not making another call. I've spent endless hours on the phone with XXXX 's no one takes responsibility and sees an issue through to correction. Since I had an issue with the very first transaction, I asked for a full accounting and review of my account debits and credits since account opening. I believe XXXX 's is incorrectly accounting charges and returns. The discrepancy is very slight and not obvious nonetheless, it is an amount of money that is not rightfully XXXX 's. Any transactions made to an account must be shown on the transaction history and statement. This is consistently not the case with XXXX 's.
Complaint sub-issue: Debt is not yours

Dispute was sent to Collection agency to resolve the issue and as of to date, credit bureau is still reporting unverified account on my consumer credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

mailed my info and a copy of the unauthorized, incorrect and incomplete account ( s ) numbers and amount ( s ) stated on my credit report to all three major credit reporting agencies disputing the correctness, completeness and authorization of the account ( s ). I did get a response within thirty ( 30 ) days. They stated they could not find my account ( s ) and therefore could do nothing about the disputes. i rechecked my credit reports from all three credit reporting agencies and nothing has been changed. i have gone back again and started more disputes online again. The information on my credit reports are inaccurate, incomplete and as well as unauthorized. The companies reporting the information on my credit reports to the credit reporting agencies i have NEVER done business with and DO NOT have my authorization for anything! The information that is being reported is incorrect! I want the unauthorized, incomplete and inaccuracies removed immediately!
Complaint sub-issue: Didn't receive enough information to verify debt

Grant & Weber claim I owe {$10000.00}. I have never received written notice of the debt or how the debt was incurred.
Complaint sub-issue: Account status incorrect

I have tried to work directly with Moneylion for resolution of the issue with their listing on my credit reports that is listed incorrectly due to their error. However, as I write this complaint realtime, my issue has yet to be resolved. Moneylion stated that they did an AUD Update on XX/XX/2020. However, it has been ample time for this to have been corrected but, the credit bureaus, specifically XXXX  has confirmed that they have not received anything from XXXX  since their last update on XX/XX/2020 in which they reported the error. Currently, Monelion has  failed to fix the issue because they are somehow under the impression that they have fixed the issue and clearly, they have not as neither of my credit reports for XXXX, XXXX, and XXXX  reflect the correct status of my Paid in full {$0.00} balance account MoneyLion Loan # XXXX. As of today 's date, XXXX  is still reporting my account 30 Days Past Due with a {$86.00} balance with a last update of XX/XX/2020. This loan does not have a balance as it was paid in full and there has not been a 30 Day delinquency. As of today 's date, XXXX  is showing this account as open with a {$290.00} balance which is not correct. This account has been paid in full and closed with a {$0.00} balance for two months but my credit report does not reflect that. As of today 's date, XXXX  is showing this account as open with a {$290.00} balance which is not correct. This account has been paid in full and closed with a {$0.00} balance for two months but my credit report does not reflect that. 
I received a call for once regarding this issue from a XXXX XXXX on XX/XX/2020 from the Complaints department. They feel as though the AUD update they say they sent on XX/XX/2020 has fixed the issue when in fact, XXXX  has advised they have not received anything from Moneylion since XX/XX/2020 when they reported the error and nothing since. I spoke with XXXX XXXX later that day and then her manager XXXX XXXX who assured me that she would work with the credit reporting manager to get the issue resolved. I advised them that XXXX  advised me that they would need to contact the Creditor Maintenance department via phone which is different from consumer customer service, yet, they have failed to do so as the issue is still not resolved. They just keep saying they sent the update and that they have done their part. This is impacting me negatively and delaying my approval for loans and other credit based activities in which Moneylion has yet to resolve. This error that Moneylion has been negligent by causing and failing to fix has caused me hardship, impacted me  negatively, financially, as well as caused me to be declined for a disaster relief loan for my XXXX  due to the error with my personal credit which is used as the guarrantee. I have provided screenshots, and neither of the people who I spoke with over the phone as well as email have not responded or acknowledged my concerns regarding my credit files still containing the error that they reported.
Complaint sub-issue: Didn't receive notice of right to dispute

In accordance with the Fair Credit Reporting act XXXX  Account, # XXXX, has violated my right 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under on open end consumer credit plan as late for any purpose.
Complaint sub-issue: Card was charged for something you did not purchase with the card

XX/XX/2017 XXXX-XXXX  XXXXUSD A guy who declared as a XXXX staff attacked my computer, made it blocked and cheated me to give him my XXXX  card information so that he can purchase and install a security software for me. <P/>The phone number in the attached .txt is reachable and a company called them " XXXX '' but called " XXXX  '' by others would answer this phone. Also, it seems that a bunch of fraud companies are using this number : XXXX. They are all XXXX people
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX has claimed that Account ending in XXXX has been charged off {$2900.00} I have requested that they send me validation that is competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay them. Letters were sent on XX/XX/18, XX/XX/18. At the time these credit cards were opened, i had just gone through a XXXX Bankruptcy and did not open new cards. These cards must have been opened fraudulently and against my name and without my approval.