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

At this point I don't know what to do anymore. I'm sitting here crying while typing this complaint. This is my second complaint, I was accuse of not being me? I've been going through this process way too long and I can't take it anymore. I'm in distress and I truly feel like I'm being taken advantage of and I feel like I am being ignored. In my first complaint XXXX responded saying I wasn't me I'm sick of going back in forth. Again, I submitted a dispute XX/XX/2020 and have yet to recieve any indication that my disputes are being investigated and I haven't received any results. In section 611 a it's stated that a failure to investigate the items I disputed within 30 days is a reason to remove those items from my credit report and it's now been over 40 days. I demand that these accounts be deleted immediately or I will be filing for litigation due to the stress you have caused me and my family.
Complaint sub-issue: Didn't receive advertised or promotional terms

On XX/XX/2020 XXXX XXXX shut down my frequent flyer account. After filing a complaint with the DOT, XXXX XXXX cited the reason was " These actions specifically involve abuse of the AAdvantage Program through gaming behavior, used to circumvent the Citibank/AAdvantage card enrollment bonus eligibility restrictions, particularly that bonus miles are not available if you have received a new account bonus in the past 48 months. These restrictions are outlined in the Citi/AAdvantage card promotional bonus offer terms and conditions, as well as at the top of each application page. '' This language was not present on the mailers I applied through. I have had numerous Citi AAdvantage Platinum credit cards over the years and non of my applications contained any 48 month restrictions. All the miles in my account which were awarded through Citibank were confiscated. Representatives at Citi have suggested I reach out to XXXX XXXX, but XXXX XXXX has not been helpful in coming to a resolution. I would like Citi to either get my miles back which were awarded as part of my credit card sign up bonuses or admit that I did nothing against any bonus eligibility restriction rules.
Complaint sub-issue: Account status

My XXXX account is current, I have been paying for a long time every month on time. The only credit agency that does n't have the information accurate is Equifax. I have disputed several times and they state they verified which is not true. Please help. 
Account is US DEPT OF EDU XXXX
Complaint sub-issue: Reporting company used your report improperly

According to the Equifax website, my personal information may have been compromised in a data breach, putting myself and 209,000 other people at risk. I would like restitution for mishandling of my personal data.
Complaint sub-issue: Public record information inaccurate

I have previously disputed this item with you And you stated these items to be accurate and verified by the bankruptcy court. I personally contacted the bankruptcy court and they responded with a written statement that they do NOT report any information to creditors or credit bureaus in this case you guys are lying or just not fixing these errors either way you are breaking the law Fcra section 611 15 USC and every inaccurate item reporting should be permanently deleted immediately.
Complaint sub-issue: Information belongs to someone else

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand that the following accounts be verified or removed immediately : 1. This Account WAS NOT Authorized by me. 
XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt was paid

I had cable service from XXXX XXXX that was contracted through XXXX XXXX. All billing for my cable service was received from XXXX. I never had an account directly with XXXX XXXX. Upon the end of service, I received a bill from XXXX that reads FINAL BILL more than a year ago. The FINAL BILL showed that I overpaid the account by more than {$50.00}. However, XXXX XXXX created an account after service ended and continues to send me fraudulent bills via collection agencies attempting to collect at first {$230.00}, then {$140.00}, and recently {$98.00}. On XX/XX/XXXX, I contacted XXXX via certified letter to dispute the debt, provided a copy of FINAL BILL proving balance was not owed. This collection company stopped contacting me after the letter was sent. Then I received collection attempts from XXXX XXXX XXXX in XX/XX/XXXX and XX/XX/XXXX. Again, I sent a certified letter to dispute the debt, provided a copy of the FINAL BILL providing the balance was not owed. This collection company also stopped contacting. 
However, on XX/XX/XXXX, another collection company called Allied Interstate has sent me a letter attempting to collect the debt. Will all collection companies across the USA attempt to collect an alleged debt on a fraudulent account for the rest of my life? Will I be required to send certified letters every 6 months when XXXX XXXX sells the fake account to another collection agency until the statute of limitations passes ( another 5.5 years from now )?
Complaint sub-issue: Debt is not yours

Case # XXXX Please Do not closed this complaint unless this issues is resolved I have never had a XXXX XXXX account I have asked this company to please Validate this debt and they have failed to do so! I 'm asking again Re : Acct No XXXX To JEFFERSON CAPITAL I am  writing this letter in response to the phone call/letter received from you on XXXX17. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. <P/>Please provide me with the following : 1.Agreement with the creditor that authorizes you to collect on this alleged debt 2.The agreement bearing my signature stating that I have agreed to assume the debt 3.Valid copies of the debt agreement stating the amount of the debt and interest charges 4.Proof that the Statute of Limitations has not expired 5.Complete payment history on this account along with an accounting of all additional charges being assessed 6.Show me that you are licensed to collect in my state ; and.Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. <P/>Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. <P/>Thanking you, XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

I submitted a letter by mail XX/XX/2021 asking for a method of verification on an unduly inaccurate collection account reporting to my credit. The company failed to provide me with a method of verification within 30 days of receiving this request
Complaint sub-issue: Debt was result of identity theft

XX/XX/2019 certified mail via USPS I submitted : CA acknowledgement ; Notary 's Cert of Service ; Presentment under Notary Seal ; & an UCC 11 Lien Search showing no debt or liens in commerce nation wide. 
DISCOVER BANK:XXXX Amount {$200.00} A fraudulent account.
Complaint sub-issue: Reporting company used your report improperly

I received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following15 us code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Meaning that if you do not have or havent gotten any written instructions from me ( the consumer ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instruction to furnish any of the following accounts. Secondly according to the 15 us code 1681.The law clearly states 1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. I sent out a letter To Verify The Accuracy On Credit Report and I did not get a response. So I send out another letter just in case they didn't receive it still no respond. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. I have the list of accounts that are inaccurate and its in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. Below are the names and account numbers who are in violation, and need to be removed off my report, not closed status, but REMOVED. 

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* REMOVE ALL INQUIRIES FROM MY CREDIT REPORT XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. 
XXXX Account # 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: Their investigation did not fix an error on your report

I have repeatly asked EQUIFAX to please send me validation of said acct ; XXXX XXXX - I do not have nor have I ever had any business w/XXXX XXXX- Additionally, I have requested they provide the name, address, and telephone number of each person contacted regarding this alleged acct. along with a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

I have requested that any automated response or e-Oscar verification is unacceptable. 
I have asked for a reinvestigation AND their Method of Verification several times. I am/have made a final goodwill attempt to have EQUIFAX clear up this matter. 

The listed item is entirely inaccurate and incomplete and represents a very serious error in EQUIFAX reporting. I have advised them that I will be reporting them to the Consumer Financial Protection Bureau and the Attorney Generals office. 

They continue to be NON-COMPLAINAINT according to the FCRA sections 603, 604, 609, 611, and 623, BY SENDING MY THE SAME AUTOMATED RESPONSE : The information you disputed has been verified as accurate, however, information unrelated to your dispute has been updated. Account # XXXX The results are : WE VERIFIED THAT THIS ITEM BELONGS TO YOU. THIS ACCOUNT HAS BEEN UPDATED. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *CLIENT NAME. 

WHERE IS THE ORIGINAL SOURCE OF INFORMATION THAT WAS PROVIDED TO THEM? 

My Next and only recourse is to file a Civil Penalty Claim for their willful non-compliance.
Complaint sub-issue: Problem with fees

An unauthorized amount of money {$600.00} was withdrawn from my bank account. This resulted in an overdrawn account and fees for return of all my bills set up on automatic deduction. I contacted the company, was ensured I would have my money right away and never received it. The fees continue to be charged to my overdrawn account and has created a nightmare on top of leaving me no gas money to even go to work, no money for groceries and no money for food for my pets. I am extremely irate.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This process and request were taken care of by me and there is no third party involved. After months of processing and making follow-ups to EQUIFAX with regards to my request of getting this unauthorized inquiry to be removed from my Credit Reports XXXX Nevertheless, I have neither heard anything from Equifax nor received any kind of response. Consequently, I have decided to reach out to you to ask for some assistance and help. Equifax hasn't complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that they are to provide any documents and respond to the complainant within the given period of time allowed by the law. Otherwise, failure to comply with these should result in the removal of the items in question. Below is the unauthorized inquiry : XXXX XXXX XXXXDate of Inquiry XX/XX/2020 XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I made request to setup auto pay on my auto lease in XX/XX/2020, and made the necessary steps to do so. The auto payment was not deducted in XX/XX/2020. I was notified via email the payment was due, so I paid the account manually that month. 
In XX/XX/2020, I once again made request to setup auto pay on my auto lease. The auto payment was not deducted in XX/XX/2020. I was notified via email the payment was due, so I paid the account manually that month. 
The auto pay was not deducted in XXXX, but there was no notification. 
This happened again in XXXX. On XX/XX/XXXX, I received a notification on my XX/XX/XXXX credit monitoring that I was 30 days over due for XXXX. I went online that day to the XXXX online payment system, and submitted payment for XXXX, XXXX, and XXXX. 
I am requesting that this be removed from my account, and it be marked current. This has now had an effect on my personal credit lines account balances being lowered. 
I have no late payments on my report from any line of credit. I made effort in good faith the elect auto pay so the account would no be delinquent. I am also surprised that this would be reported in the hardship times of COVID.
Complaint sub-issue: Reporting company used your report improperly

I sent Nelnet an Affidavit of Truth on XXXX XXXX that was notarized, and sent through certified mail. The USPS shows that they received it on XXXX. I received an email today indicating that they received my Validation of Debt request. This was not a validation request, it was an Affidavit stating 7 facts of fraud and willful disregard for my privacy, and consumer rights under the FCRA & FDCPA. This company continues to operate in violation to Federal Law in regard to my 2 accounts.
Complaint sub-issue: Reporting company used your report improperly

From XX/XX/2020 until the current date of XX/XX/2020... XXXX, XXXX XXXX  Equifax have continually made erroneous reports of late child support payments on my credit report with inaccurate dates without my permission hurting my credit report.
Complaint sub-issue: Reporting company used your report improperly

I have sent multiple disputes to the 3 majoXXXX credit bureau requesting to have my credit file corrected from all inaccuracy. 

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 instruction. 

Reporting a debt as charged off, when it was settled or paid off. 

Reporting late payments when your payments were timely. 

Reporting old debts as new ones. 

Reporting that an account was active after it was voluntarily closed by a consumer. 

Inaccurate statement of balance due. 

Failing to have a reasonable procedure for you to report identity theft ( or supplying credit information on an account where identity theft was previously reported ).
Complaint sub-issue: Information belongs to someone else

I called EQUIFAX on XX/XX/2022 at XXXX to report inaccurate information from alleged creditor name by XXXX BANK. The alleged creditor XXXX BANK is a third- party collector which is a violation of 18 U.S.C . 1028A AGGRAVATED IDENTITY THEFT, which is lawful to contact a third party with my private and personal business. I, the consumer never gave EQUIFAX permission to take my information. 

EQUIFAX have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. This account is not mine not is the alleged debt, nor did I have a contract to do business with XXXX BANK. EQUIFAX has failed to provide XXXX, the consumer with any accurate validation in writing pursuant to the FAIR CREDIT REPORTING ACT, 15 USC 1681g, I expressed my right for full disclosure to me of all the documents they have recorded and retained in the consumers file at the time of requested concerning the alleged account to support EQUIFAX claims on my credit file. 

Furthermore EQUIFAX has claim they are doing an investigation Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc., who may have information of any items on the consumer file which you will have to show me proof via affidavit of fact under penalty of perjury ; Which EQUIFAX is in violation because I was not given any type of these reports in this investigation. 

Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer with regards to the confidentiality, accuracy, relevancy, and proper utilization of such information. As a consumer I demand you remove the accounts listed below Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) which comprehensibly states that the only permissible purposes of consumer reports by any consumer reporting agency furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer to whom it relates.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX is reporting an erroneous late on my credit file and it must be removed. I recently checked my credit and noticed a XX/XX/2020 late reporting. I have had this account for a while and have yet to be late. I was very confused as I had made my payment online on time for that date. I always make my payments online and usually have no issue however, it looks like they never took out the payment? The funds where there, I had paid the bill online but they didn't process it and I get reprimanded for a mistake that I did not make? The payment was made on time and this late must be removed, this is not my error.
Complaint sub-issue: Public record information inaccurate

There is a public record on my credit file that does not belong to me, My name is XXXX XXXX not XXXX XXXX, and that public record has another persons name on it. I want the data furnisher which is not the court, to explain to me why is this public record on my credit file and where did they get it from. My credit file says that the company providing the bureaus with this public record information is called Lexis Nexis. I dont know who this company is and I dont know how this public record was put on my credit file. The FCRA states that a consumers credit file need to be 100 % correct without any errors. I want Lexis Nexis to delete the public record immediately.
Complaint sub-issue: Frequent or repeated calls

The debt the creditor is trying to collect is out dated
Complaint sub-issue: Debt is not yours

On XXXX. XXXX, 2019, ENHANCED RECOVERY COMPANY add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA ENHANCED RECOVERY COMPANY has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Complaint sub-issue: Information belongs to someone else

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. DPT EDXXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There ere also several inquiries as well : 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