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

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XX/XX/XXXX YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Complaint sub-issue: Account status incorrect

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies. 


I would like this account to be legally deleted from my credit report as i have taking the step from credit litigation against you guys.
Complaint sub-issue: Their investigation did not fix an error on your report

I contacted XXXX  two times on XX/XX/18 and XX/XX/18 regarding unverified accounts : XXXX/XXXX  XXXX ; XXXX XXXX XXXX ; XXXX/XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; and XXXX XXXX XXXX XXXX. Despite two written request, the unverified items listed still remain on my credit report in violation of Federal Law. XXXX and other credit bureaus are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of the first investigation and subsequent reinvestigations, they stated in writing that the items were " Verified '' and they were being " Reported correctly and/or updated ''. Who verified these accounts? Who did you talk to? What documentation was received to do accurate updates? What were the dates and times of these actions? What contract did you receive bearing my signature to confirm these accounts are indeed mine and not someone else with my same alias? They have failed to prove me with any original documentation as required under 609 ( a ) ( 1 ) ( a ) and section 611 ( a ) ( 1 ) ( 1 ). I want them to be advised under section 611 ( 5 ) ( 1 ) of the FCRA - they are required to " ... Promptly DELETE all information which can not be verified ''. I demand the following items be verified accurately and myself provided with required documentation or for these items be be DELETED permanently from my credit file.
Complaint sub-issue: Debt is not mine

I was advised by the Internal Revenue Service that my social security number and other confidential information were compromised. Sometime in XXXX to XXXX my personal details were stolen and have been used up to XXXX XXXX when a security alert had been placed on my credit files. These fraudulent accounts range from medical ; utility accounts and credit card accounts and must be deleted from my history. I forward the details of these accounts in question and a copy of the Identity Theft Affidavit and I have had no response from both the credit bureaus and the creditor/collections agent.
Complaint sub-issue: Trouble with how payments are being handled

I have been called about repayment of my student loan from a different service to find out it must be a scam. The first number I programmed in the phone is no longer in service. I had gotten a text today saying my payment is due in 2 days. The number that they gave today is XXXX XXXX XXXX. The text also tells me that it is student Apex. What is the best way to stop there payments?
Complaint sub-issue: Old information reappears or never goes away

I have been monitoring my credit reports with credit karma since 2013 and for the past 5 years they have ruined my credit with multiple infractions; including but not limited to reposting old closed credit accounts as new open debts, marking late or missed payments on accounts and never dropping them after our Leander reached out to them on several occasions with proof of on time payments made. The offered loans and credit cards that I never would have initially applied for if they weren't guaranteeing excellent approval odds, just to be denied and lose credit points. They have been the reason my score is constantly up and down because a lot of the reports have inaccurate information even though I am constantly sending them disputes on the old/paid/closed accounts, inaccurate approval statuses and inaccurate payment status history. This company is unethical and needs to be monitored more carefully.
Complaint sub-issue: Account status incorrect

I recently applied for a store credit card. XXXX sent me a letter in the mail saying i was denied because of a low credit score. They said my score is 250 points lower than it really is. I also never requested them to send me my score, it was just printed on the letter I received in the mail.
Complaint sub-issue: Received bad information about your loan

I applied to AES ( American Education Service ) for Covid-19 relief and was told that my two federal loans were not eligible for interest free forbearance as stated by the CARES act as signed into law by President Trump. 
I noticed primarily that in order top even apply, I had to spend over a half hour just to find the application page ; furthermore, the forbearance was only applicable for 3 months instead of 6 as the relief act states. 
I called and asked about the issues and was told that : 1 ) my loans were not eligible for the 6 month forbearance ( I have 2 federal loans listed ) 2 ) also, my interest during forbearance would continue to accrue during this period and just that the interest would not be capitalized at the end of the forbearance. 

I don't believe that is intent of the Covid-19 relief act and honestly is not really relief. I know others whos servicers are doing completely opposite with the same type loan which is no payment until XXXX and no interest during this time. 

Please look into auditing and addressing this with AES as they are not obeying Presidential mandate.
Complaint sub-issue: Information belongs to someone else

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXXHWARFIELD ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Complaint sub-issue: Information is not mine

I have XXXX late Medical Bills only on my Equifax report {$1000.00}, {$35.00}, {$35.00}, {$35.00}, and they have been removed from XXXX but having no assistance from Equifax I am a XXXX and XXXX Vet and also have XXXX and Medicare Insurance I see the VA for free and even If I use outside the VA I pay nothing because I am primary on both of my medical insurances. I have used medical outside the VA before and because of my Medical coverage I pay nothing. I have tried on several occasions to contact Equifax with no results and no response. I have used XXXX for Equifax, XXXX, and your agency and only been able to to get responses from XXXX which immediately removed the medical bills and your agency which sent me to this site any assistance in this matter would be of great help to have these bills removed from my credit report. again Thank You
Complaint sub-issue: Problem getting my free annual report

XXXX and Equifax both are telling me that I need to furnish proof of my identity in mail in order to view my free annual report. I have gone through this exact process before by both of these bureaus in XXXX 2013 and despite sending them both a driver 's license photo and a piece of government mail with the address on the letter, they still do not recognize me. XXXX had no problems. Obviously the other XXXX bureaus are very mistaken about me. This is leading to tremendous problems and is repeatedly been an issue when attempting to open lines of credit.
Complaint sub-issue: Account status incorrect

Although my credit report correctly reflects payments made on time for each month within my credit file, Equifax continues to report a negative payment status and negative worst delinquency of 120 days past due for XXXX XXXX XXXX Acct # : # XXXXXXXX. I am not sure if Equifax has somehow merged my information with someone with a similar name or birthdate that also happens to have an account with XXXX XXXX XXXX, but the negative status and worst delinquency information that continue to be reported by Equifax are erroneous and damaging to my credit scores. When this account was open, payments were always made on time. This account has never been paid late and I have requested on multiple occasions ( in writing ) that Equifax make the necessary corrections to their records, with no resolution. This erroneously negative information has caused far-reaching consequences to my credit scores as it pertains to credit that has been extended to me or oftentimes denied.
Complaint sub-issue: Information belongs to someone else

I did not authorize or make these changes on my profile regarding these fraudulent inquiries. Please see attached FTC report and I will be looking forward to the updated report.
Complaint sub-issue: Received bad information about your loan

Im trying to determine the date that my request was submitted to TREASURY and the amount as well. I call Nelnet almost weekly, and they cant give me a correct date and amount. Sometimes I get XX/XX/XXXX, XX/XX/XXXX, XXXX and they never give me the amount. When I first called and made the request, the customer service did not give any information of what was actually submitted. 

My initial call was on XX/XX/XXXX, and within that time I have convinced a few of my friends to request as well. They have requested mid-XXXX and early XXXX. They have already had their balance reinstated and some have gotten their checks already. Im wondering if my request has not been fully submitted or if its been sitting on somewhere. My first call has been ten weeks already.

I want to know the date it was submitted to Treasury or whoever is in charge of the reinstatement, and I want to know the amount the original customer service person requested.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a dispute to the following credit Agency : XXXX They are incorrectly reporting a medical debt collection under my name and social security number. It has been more than 30 days and has not been resolved. XX/XX/XXXXwas their deadline. I called and was told that it was not removed. The collection happens to be under a person with the same first, last name and DOB as myself. Her address is also being reported incorrectly under my social security. The debt is for XXXX  for a medical debt reporting inXX/XX/XXXX.

I called the Sarma Agency before submitted the original request through XXXX  and they could not find it because the social securities are different and I also called the Medical Doctor and they have no record of my name and social security number. I now have to file a fraudulent report with XXXX  and they are asking me to file a police report. This is not my error. It is the credit agency for reporting it incorrectly.

My report number with XXXX  is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My XXXX  report does not show item or address.

My XXXX  report does not show item or address
Complaint sub-issue: Banking errors

I deposited funds totaling {$15000.00} XX/XX/20 to qualify for Citibank Bank 's {$500.00} bonus. I met all of the qualifications and the bonus was not paid. I called Citibank numerous times and they had an excuse each time. and they were not able to pay the required bonus by XX/XX/20, nor were they able to tell me why. XXXX XXXX Phone number XXXX The accounts involved Account # XXXX. 

Here are the terms of the offer Earn {$400.00} when you open a new checking account and complete the following requirements : Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. 
Maintain a minimum balance of {$15000.00} in your eligible linked checking account for 60 days You can also get an extra {$100.00} on the {$400.00} bonus when you complete one qualifying direct deposit each month for two consecutive months within 60 days of account  opening, for a total of {$500.00}. 

Please help me. XXXX XXXX XXXX
Complaint sub-issue: Application denied

I applied to Home Depot for a credit card to finance wall to wall carpeting.  This credit card offers interest free financing and $XXXX credit toward the purchase.  I already paid the measuring fee of $XXXX.     Before the purchase was complete I was advised that I had been declined for the credit card.  No reason for the denial was given.  I later received a letter from Home Depot Credit Services citing the reason for denial as “History of delinquent credit obligations”. I was referred to XXXX  for information on which Home Depot relied for this denial. I did not receive any adverse action notices.     I reviewed the credit report from XXXX and my record is absolutely clean.  All accounts I have open are in good standing with no delinquencies reported.  Four years ago I was forced to file bankruptcy, and even then I paid my credit cards up to the filing date so there were no delinquencies.  I have worked hard to re-establish my credit and now have a Good credit rating.        Under ECOA, it is unlawful for any creditor to discriminate against any applicant with respect to any aspect of credit.  I am a female senior citizen with a veteran spouse.  Denying credit for a blatantly false reason is unlawful and discriminatory.  There was no reason for this denial and Home Depot’s callus disregard for the facts of my credit has now gained me a credit inquiry to damage my credit further.  To deny me credit was reckless and a willful disregard for the truth. It was unwarranted and their decision should be reversed.  In their response I ask that they file only a truthful statement and that they refrain from adding any additional requirements or reasons for the credit denial.     And finally, I respectfully request they stop the Robocalls to my home everyday telling me to complete my carpeting purpose.  This is completely negligent on their part in not maintaining a check and balance against purchase/credit transactions.     This case has been referred to CFPB because they stop unfair, deceptive and/or fraudulent business practices.
Complaint sub-issue: Reporting company used your report improperly

I applied for credit line increase on my VISA card ending XXXX. Request was denied on XXXX XXXX, 2017 simply because I did not yet make 12 monthly payments ( not related to my credit ). However, needlessly Cardmember Services afterwards on XXXX XXXX, 2017 made a hard inquiry against my credit and even advised " ... the consumer reporting agency played no part in our credit decision ... '' This was improper and clearly needless hard inquiry that did not play any role in creditor making decision which was already made for other reason.
Complaint sub-issue: Debt is not mine

This was oponed without my concern for a relative my name is is incorrect which is not my real last name. 
The person Hows opened this acccount is on jail. 
I do n't have to paid something that is not mine. 

Thanks
Complaint sub-issue: Information belongs to someone else

This is my FURTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX 2017, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.
Complaint sub-issue: Their investigation did not fix an error on your report

I contacted Equifax via mail on XX/XX/2021 asking them to remove 7 hard inquiries from my credit report. I received a response to my dispute on XX/XX/2021 claiming that the disputed inquiries were factual record of file. I again reached out to Equifax on XX/XX/2021 asking the company to do an actual investigation because I was not confident that they did an actual investigation in the 1st place. With the original complaint from beginning to end was around 7 days ( sent XX/XX/XXXX, response received XX/XX/XXXX via mail for both ), which isnt enough time to actually reach out to reporting companies and get a response. I asked the company for proof of their investigation along with proof of authorization and they sent me the same letter that they sent in the beginning without any of they information requested showing proof of investigation. I am enclosing a copy of both letters along with Equifax response to both. Please contact me if you need further information
Complaint sub-issue: Old information reappears or never goes away

I am presently in process of purchasing a home and my Lender came back to me asking for more information on properties that I " Own '' and I did not list on my application. I was told that they appeared on a " XXXX report ''. The property addresses are XXXX XXXX XXXX XXXX XXXX FL XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX. Like so many others I got caught in the XXXX crash and, unlike so many others, maintained my properties through the short sale process. I successfully negotiated short sales transactions with No Deficiencies on both of these properties. 

Am attaching a copy of the XXXX report dated XXXX. For whatever reason the short sales at XXXX XXXX and XXXX XXXX that were completed on XX/XX/XXXX and XX/XX/XXXX respectively continue to be reported resulting in a High probability of loss due to fraud. I NEVER engaged in fraud or deception with any lender prior to, during, or after the XXXX Crash. Nor will I do so moving forward. 

This is old and outdated information. I survived the 7 years it took to get these off my credit report. Now it is many years past those 7 years and this is still being used unfavorably. I continue to be damaged as a result of this illegal and unethical reporting. 

Please get this information removed from the XXXX system at the earliest possible time.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus XXXX XXXX, 2022 to update these pieces of 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 # XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXX Balance : {$6900.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Complaint sub-issue: Overcharged for something you did purchase with the card

On XX/XX/2018 I contacted Citibank to dispute a transaction on my mastercard. Citibank refused to dispute the transaction and insisted I call back at a later time. I complained and Citibank responded by cancelling my card. They have since agreed to reopen it, but want me to wait seven days to fix their mistake which is unacceptable to me. I have several bills paid each month with this card and need it active immediately. I also need the {$51.00} charged by XXXX XXXX immediately corrected to {$48.00} that I should have been charged. 

Also I was forced to change the user name to access my account online several years ago and want it immediately changed back to the previous user name.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have sent Equifax 2 certified letters to remove inquiries that I didnt authorize, one letter a month, we are now at month three and nothing has been done to resolve thisEquifax refuses to remove or even dispute these findings, they are breaking the law and I had enough of the credit companies always strong arming the consumerdo what they please instead of what the law reads ... now these inquiries are listed here ... .XXXX , XX/XX/XXXX ... ... .XXXX, ..XX/XX/XXXX... ... .XXXX, .XX/XX/XXXX ... ... XXXX XXXX, ..XX/XX/XXXX ... ... .XXXX  ..XX/XX/XXXX, ... ... XXXX, ..XX/XX/XXXX, ... ... XXXX XXXX, ..XX/XX/XXXX
Complaint sub-issue: Didn't receive terms that were advertised

PNC bank. Was promised {$500.00} bonus for virtual wallet performance ( 3 in 1 account ) with deposits totalling {$5000.00}. I deposited {$5000.00}. 
I made multiple calls to get my {$500.00} bonus. 
I contacted them on XXXX. 
I even spoke to the executive team several times. 
I emailed the executive team the flyer, that showed the terms for the {$500.00}. They promised to give me the {$500.00} bonus several times, but have not over the past 5 months. 

They also do not let me transfer my money out. They imposed arbitrary ( in my opinion ) monthly limits of {$2000.00}. Why can I not transfer my money out? 

I finally closed my account today.