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

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over XXXX days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated XXXX XXXX ( XXXX ) XXXX ) by failing to mark this disputed account as disputed XXXX ( XXXX  ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating XXXX XXXX per the XXXX opinion.
Complaint sub-issue: Frequent or repeated calls

Two calls per day during work hours. Phone number used is XXXX. I have no account with this company so this is unsolicited communications. Any debt is invalid and any negative reports on my credit should be removed promptly.
Complaint sub-issue: Account information incorrect

IN REGARDS TO : CONNS CREDIT CORP : XXXX XXXX XXXX XXXX, TEXAS XXXX ; I SENT A CERTIFIED LETTER RECEIVED XXXX XXXX 2017 BY AGENT XXXX XXXX THROUGH USPS. I REQUESTED THE VALIDITY OF THE 2 ACCOUNT DEBTS THAT APPEAR AS DUPLICATE ACCOUNTS. I KNOW NOTHING OF AS THEY ARE REPORTING. INFORMED THEM THAT IF ANY NEGATIVE MARK IS FOUND ON ANY OF MY CREDIT REPORTS BY THEIR COMPANY DURING THE IVESTAGATION OF VALIDATION WOULD BE A VIOLATION OF THE FAIR REDIT REPORTING ACT. IN WHICH THEY REPORTED A FEW DAYS AFTER RECEIVING MY REQUEST OF VALIDATION TO VERIFY MY PROOF OF BURDEN. I HAVE NOT RECEIVED ANY CORRESONDENCE LETTERS FROM CONNS CREDIT CORP YET. I 'VE GROWN TIRED AND VERY ANGRY WITH THE WAY I 'VE HAVE BEEN TREATED BY CONNS CREDIT CORP. THEY HAVE VIOLATED ALL FAIR CREDIT REPORTING PRACTICES. MY NEXT STEP IS TO FILE WITH BBB, FTC, ATTORNEY GENERALS OFFICE, TEXAS COMPTROLLERS OFFICES AND SO UNTIL THE MATTER IS RESOLVED.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hi I took a look at my credit report and I noticed a hole bunch of inquiries that I did not authorize I tried contacting the bureaus but they are giving me issues saying i need to contact each and every creditor me as a human being simply don't have enough time in my life to do so between work and family i would like for all the inquiries that i did not authorize to be removed from all three bureaus immediately thank you.
Complaint sub-issue: Didn't receive notice of right to dispute

On XX/XX/XXXX I disputed this XXXX bill of {$66.00} with XXXX XXXX having already disputed with someone else and mailed information to the company proving that I was not in the area at the time they were trying to collect the debt. Nothing happened except they passed the debt to another company. 

On XX/XX/XXXX I received another collection notice from Afni, Inc. only this time they do not give me my rights to dispute the debt and are now trying to collect a XXXX amount of {$66.00} and a notice that they will take a discounted amount of {$43.00}. 

I am attaching a disputed letter to Afni, Inc, disputed letter to XXXX XXXX and a copy of the collection notice from Afni, Inc.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX reported my deceased grandfather 's mortgage on my credit report. We clearly do not have the same Social Security Number, Date of Birth, and living status ( he passed away and I am still alive ).
Complaint sub-issue: Account status incorrect

Dept of Ed/ Nelnet XXXX amount due {$1800.00} is reporting XXXX days past due. This is incorrect as I am currently attending XXXX XXXX XXXX XXXX. 

Dept of Ed/Nelnet : amount due {$1000.00} is reporting XXXX days past due. This is incorrect as I am currently attending XXXX XXXX XXXX XXXX. 

Dept of Ed/Nelnet : amount due {$1500.00} is reporting XXXX days past due. This is incorrect as I am currently attending XXXX XXXX XXXX XXXX. 

The wrong address was on file. I have not lived there for over 6 years. The wrong phone number was also on file. I have updated all account information so that I receive proper notifications. I am currently on a repayment plan and my next due date is not until XX/XX/2018. I do not have any past due fees reporting on my Nelnet account.
Complaint sub-issue: Information is not mine

My personal information was leaked or stolen in late XXXX and has been used to obtain medical accounts, loans, and education in my name. I was barely legal I 've been aware of this but had no resource or way to fix it. Tried disputing accounts, tried locking my credit, tried calling the places, and even changing my social. Was n't until last year I did more research on how to take control of this. My wife and I both have been affected and have managed to buy stuff given this, and when we spoke to the police department they did n't have many answers just to either go to the credit bureaus or change my name because they said it was common? I 've been compiling evidence or proof against the creditors and credit bureaus because they do n't seem to care or they think I 'm lying. Figured this was my last stop or just wait seven years I guess for this to fall off my credit.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I contacted the listed creditors, and they have NO proof I initiated these inquiries, nor written authorization and have failed to provide any permissible purpose. I disputed these inquiries with Equifax over the phone and received no resolution.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize
Complaint sub-issue: Their investigation did not fix an error on your report

In late   XX/XX/XXXX  ( twice ) I made sure to set myself up into an income base payment plan over the phone, because I knew I would be losing my Job in  XX/XX/XXXX . They were able to defer my loan and I would be all set. Come  XX/XX/XXXX  I noticed my credit report showed that I was 90 days ( and some 120 days ) late. This was all supposed to consolidated into one loan, and deferred. I have disputed this several times with both the credit bureaus and with   XXXX   XXXX   XXXX   ( who manages the loan for   XXXX   XXXX   XXXX   ) but they will not comply or admit fault and remove the negative remarks from my credit report. I issued a summons in small claims court, but they had their lawyers move it to Federal court -- -which I can not afford an attorney to handle in Federal ( they knew what they were doing ). All I want is for them to do the right thing and remove the negative remarks off my credit. I have a job now, and intend on paying my loans back, but be cause of my job loss, I had to eat away at my savings, and dipped into my credit cards. I 'm stuck and struggling to get by now.
Complaint sub-issue: Debt was result of identity theft

XXXX has attempted to collect XXXX for an account that Ive explained was opened fraudently. Every six months to a year a different collection agency is assigned and the debt is reported as a collection. I filed a complaint XX/XX/21 and XX/XX/21 about this debt and each time it was removed from my credit report. The last collection company, XXXX that advised they would not pursue the debt sent me a XXXX Fraud letter and advised me to complete it and send to XXXX. I did so and heard nothing further until today when I received a credit alert that XXXX is back at it again. There has been no communication via telephone or USPS from the most recent collection agency I.C. Systems. Not only does this violate my rights as a consumer this is pure harassment. Ive done everything in my power to resolve this and XXXX continues. I have no knowledge of this account, I never made one payment to this account and could not tell you the phone number/s associated with this account.
Complaint sub-issue: Funds not received from closed account

Discover closed my Cashback Debit account out of nowhere. I had my rent money in there and when I called to see why my card was declining, they let me know that they closed my account and couldnt give me any reasons why. Im facing possible eviction now and they expect me to just sit here and wait for 60 days to receive my funds to come in the mail.
Complaint sub-issue: Debt was paid

On XX/XX/2017 I paid off {$49000.00} to D & A Services and promised they would remove all negative information from all my credit reports, they did not do it! Previously this debt belong to XXXX XXXX XXXX XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have a fraud alert on my account that will ( currently ) not allow me or companies to open an account without verification. On XX/XX/XXXX I requested a loan for my HELOC that I thought was maturing this year. A HELOC in which I used to pay my employees. The HELOC was orginally borrowed to purchase property in Wisconsin. 
With all that on XX/XX/XXXX Equifax showed a credit score of XXXX, I was never contacted by the company that made this inquiry and later believe that it was a " hard pull! '' The credit bureau currently lists that I have a total of 3 hard pulls, I reached out to the company and they deny this occurred. ( see email ) They forwarded me the credit file that specifically shows that I have a fraud alert and yet they were able to make such an inquiry. My credit score is currently XXXX. 
Equifax states : Lack of recent revolving account information Too many consumer finance company account Lack of recent bank revolving information Lack of recent installment loan information Lets begin with facts : I have a fraud victim extended alert that does not allow myself or any potential creditor to access my credit record without verification from me. 
1. This did not happen on XX/XX/XXXX ( see email attachments ) Lack of recent revolving account information : 1. This is not a " consumer '' issue, and XXXX reports my revolving account on the XXXX of each month and my HELOC currently shows near correct until they send out again for XXXX? BOTH ACCOUNTS HAVE BEEN UPDATED ON MY Equifax CREDIT FILE AS OF XX/XX/XXXX! 

Too many consumer finance company account 1.There are no active or outstanding consumer financial accounts on my credit. I am currently seeking litigation against net credit for fraudulent interest accrual when I borrowed in addition to my HELOC to purchase property in Wisconsin My vehicle broke down and the cost was {$6500.00} for transmission, rear end and other problems. The company offered a one year free interest.

Lack of recent Bank revolving information : 1. AS of XX/XX/XXXX my XXXX XXXX account is up to date on Equifax credit report as well as on XX/XX/XXXX Lack of recent installment loan information This code either means that your accounts have not been active recently or you don't have that type of account! Which is it? This is not a consumer issue but a loaner responsibility
Complaint sub-issue: Their investigation did not fix an error on your report

Since XX/XX/2019, I have been trying to repair my credit and clear my credit report of any false accounts. 

My first letter was sent to XXXX  certified mail receipt number : XXXX XXXX XXXX XXXX XXXX. 

My next letters were sent on XX/XX/2019. On that day I sent a letter to XXXX  asking their method of verification in " verifying '' the accounts on my report. I also sent letters to Equifax and XXXX  certified mail receipt numbers XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, respectively. I also sent letters to two creditors asking for validation of the debt they say I owe them. I sent XXXX XXXX XXXX a letter certified mail receipt number XXXX XXXX XXXX XXXX XXXX, and I sent XXXX XXXX XXXX XXXX a letter certified mail receipt number XXXX XXXX XXXX XXXX XXXX. The two collection companies were unable to validate my account and the bureaus did delete those accounts from my report. 

I then sent letters on XX/XX/2019 to the bureaus, as well as, the bankruptcy court that is listed on my report. The bureaus have said they have verified the bankruptcy shown on my report with the bankruptcy court itself certified mail number : XXXX XXXX XXXX XXXX XXXX. In the letter I sent to the bankruptcy court, I asked them if they report to the bureaus. I received a letter back from them stating that they do not report or verify anything to the bureaus, which proves they are lying. I also sent a letter to XXXX, Equifax, and XXXX stating that the court does not verify anything with them. 

On XX/XX/2019, I sent a letter to XXXX  and XXXX. The letter I drafted was a basic dispute letter I wanted to send so I could include the response I had received from the court stating I know that they don't get information from them. I sent those letters certified mail number XXXX XXXX XXXX XXXX XXXX to XXXX  and number XXXX XXXX XXXX XXXX XXXX to XXXX. I also sent letters to the collectors that now hold two new collection accounts that have been placed on my report. I recognize neither, so I inquired  for validation of the account and debt they say I owe. I sent a letter certified mail receipt number XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX, and a letter certified mail receipt number XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX. I have yet to receive a response from either of those collections agencies even though it has been well over 30 days. 

The bureaus and the collection companies XXXX XXXX XXXX and XXXX XXXX XXXX have broken the law regarding my right as a consumer to work on repairing my credit. You can view every letter I mentioned above attached down below.
Complaint sub-issue: Trouble with how payments are being handled

The servicer is insisting that their " system '' does not allow them to apply overpayments without creating a " paid ahead '' status. I do not consent to being in a " paid ahead '' status, and wish for my full monthly parent to be due, regardless of whether or not I've made an overpayment.
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 an account without my written instructions
Complaint sub-issue: Public record

I previously disputed the status of a credit card XXXX that i had in XXXX that was included in my CHXXXXBK and discharged on XXXX/XXXX/XXXX. I disputed this 2X 's with Equifax and then again with CFPB. I was advised in my CFPB Complaint that this account is showing included in CHXXXXdischarge and the information provided to me was incorrect. 

This account is still showing in the revolving status, please see attachment stating Equifax Credit Report XXXX. Equifax also provided false information to not only me but also to CFPB please see attachment stating '' XXXX Credit Card CFPB Complaint '' stating that they closed this account and they did not. 

I 've disputed this matter countless times, this is affecting my credit which is directly affecting my life. These are not the only inaccuracies i continue to face with this reporting company, this matter needs to be dealt with the up-most priority as this is a constant agitation to me as well as to my family.
Complaint sub-issue: Received bad information about my loan

I am seeking information about my Genesis loans through XXXX in XXXX, PA. I have heard about all of the loan forgiveness because of the XXXX XXXX settlement. I was one of the many students who were talked into the lending scheme brought on by these schools and Genesis lending company. I was charged horrible interest payments that I could n't afford, while still in school. As well as, pulled out of class because I could not afford payments. Horrible interest rates still haunt me, along with unreasonable monthly payments. I am already on deferment, on which they still require me to make minimum payments. I have a loan balance of {$21000.00} and have no idea how I will be able to keep up with this. I feel as though I was a victim as well as other students who have already had their loans forgiven. The way the company went about handing these loans out to young students who know nothing about them, was wrong. My loan servicer XXXX told me that Genesis has already handled the persons eligible for forgiveness and passed me along to their company. So my question is, why was I considered not eligible? I attended school in XX/XX/XXXX-XX/XX/XXXX and suffered just like everyone else who attended these scheming schools. Please help!
Complaint sub-issue: Their investigation did not fix an error on your report

I filed a dispute with XXXX about account number XXXX reported by the XXXX XXXX XXXX XXXX.in a amount of {$880.00}. I told XXXX that I dont owe any money to the company reporting this Item and I want this to be out of my credit report because it is negatively impacting my score and my credit. I attached all the proof that I do n't owe any money to XXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

This account is close/charged off account and is still reporting a increasing balance and passed due
Complaint sub-issue: Information belongs to someone else

This is XXXX XXXX who is submitting this CFPB complaint myself. ELAN CACS CC account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. Please investigate and remove it from my personal credit file. Thank you. 

( ELAN CACS CC XXXX )
Complaint sub-issue: Debt was paid

Having previously had this same fraudulent debt forwarded back to the merchant by XXXX, XXXX on X/XX/2017, XXXX XXXX has reassigned the debt to XXXX. XXXX, making it clear that XXXX will not be deterred by Complaints to State & Federal authorities from using every resource at its disposal to pursue its criminal extortion tactics as far as the law permits.
Complaint sub-issue: Debt is not yours

Equifax sent me confirmation # XXXX about my account with XXXX XXXX XXXX stating that the creditor is currently reporting a XXXX balance for the said account ( Account Number #  XXXX ). Upon researching the paperwork that Equifax sent to me the account number XXXX still shows a balance of XXXX. This is against the FCRA and against the Law and its disturbing to know that Equifax does not handle their paperwork correctly. If this is n't corrected like its suppose to be as stated by Equifax I will take measures to take them to court. This is unexceptionable and its ruining my credit.
Complaint sub-issue: Funds not received from closed account

it is second time that I am complaining about this issue and still after more than 3 months from the time that the Citi bank closed my account, still i did not receive my remaining funds from my account. 
that is really frustrating and i contact them several times and every time they promise they will send new check and nothing happen yet. 

last time i contact them XX/XX/2023 and their agent provide another reference number for me. 
i am attaching their last letter and manually add new reference number on that. 

they cause a lot of damage to me and my family financially and I am not sure why they are playing with people and using their money and hold their money for several months. 
here is my account information. 

Citi Checking account : XXXX
Complaint sub-issue: Non-sufficient funds and associated fees

I was charged a {$15.00} fee from my checking account at PNC on XX/XX/2020. I was not told what the fee was charged for, and I did not receive an alert that it was charged -- I only discovered it when looking over my bank statement after the fact. When I contacted the company, they told me that the fee was charged due to insufficient funds in my account, despite the fact that I had over {$8000.00} in my combined checking and savings accounts at the time. I received no alerts or warnings that the funds in my account were below the required amount ; I was not even aware that there was a required minimum amount. PNC 's representative ( who, I should add, did the best she could given the situation ) told me that this would have been in the literature I received when opening the account. But I opened the account eight years ago when I was XXXX years old, and as far as I can tell the minimum balance requirements are not clearly stated anywhere else.
Complaint sub-issue: Account status incorrect

This company continues to report an account that was removed and has no way to upload the documents. so i can show proof that this account was in litigation and should be removed as per court order
Complaint sub-issue: Was not notified of investigation status or results

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, U S DEPT OF EDXXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX, XXXX Company Inquiries : XXXX XXXX/XXXX XXXX XXXX
Complaint sub-issue: Transaction was not authorized

I open account on coinbase couple days XXXX from account was transfer next day they try another XXXX but i didnt have insufficient funds so they couldnt when i email them sayings that they disbaled my account i open 3 cases every case after day or two is closed and sayong can not be restore please help there is no phone number to contact or anything
Complaint sub-issue: Attempted to collect wrong amount

XXXX XXXX  are currently handling my private student loans from Citibank. I recently became concerned with their service when they began requesting payment while I was still attending XXXX school. Based on citibank 's policy, All payments are deferred while in school. XXXX claimed there was a time limit regarding deferment but could not provide a written document supporting this. It was clear that this policy could not be substantiated. XX/XX/2020, I requested to have my promissory notes from all three loans currently being handled by XXXX XXXX in order to verify if the deferment policy was listed on my signed documents. I only received two documents and was told that one was a mastery note ( that regarded three loan pay outs ) and the other was for only one. However, later I was informed in a phone call ( XX/XX/2020 ) that three promissory notes existed and would be sent immediately. This would prove to be false and I was sent only the two promissory notes again. Upon reviewing the notes, I found that I had checked a box that stated 'MAKE NO PAYMENT WHILE IN SCHOOL '. Also, I saw that there was a discrepancy between loan amounts on promissory note and what was being charged by Citibank based on XXXX 's records. I believe I have been charged for an amount that I did not fully receive and therefore also charged interest based on a wrong principle amount ( original loan balance ). I will be attaching both promissory notes that I have a received and letter from XXXX that shows what principle ( or what should be original loan amount ) and interest they have on file.