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

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX  v. XXXX XXXX Corp., No. XXXX ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance.
Complaint sub-issue: Debt was result of identity theft

On or around XXXX of 2019 a personal loan account was opened with Upgrade in my name, with my wife as a co-borrower. I never applied for this loan or received the proceeds of this loan. I completed and sent an identity theft affidavit to the creditor, as did my wife. We were told that a police report would need to be filed naming which named Upgrade, which we did. Them upon submitting, we were told we actually needed to submit two separate police reports ; one for each of us. So we went back to our local police station and did so. I have provided this company everything they have asked for and done so in a timely manner. Upgrade removed the charge off from my wifes consumer report, but it remains on mine. I have repeatedly contacted the company to inquire about the status and disposition of their internal investigation into my claim and every time Ive been given the runaround. Ive been asked to resend documents that I have a record of already having been sent. I have been told to call phone numbers that nobody picks up and in spite of all my efforts, which are above and beyond what is necessary, the company still reports a charged off account on my personal credit report. Ive attached the documentation thats been sent to them, both the identity theft affidavit and the police report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Several companies have tried to pull my report and I did not give them access to do so. I also have old accounts on my credit report that were closed and should should have been removed. XXXX XXXX, XXXX and XXXX XXXX XXXX are the only one I authorized to run my credit. I have disputed with all of the credit bureaus and nothing has been removed. I have sent letters and none of them can provide information verifying that these inquiries are mine. Yet they still remain in my report. I have also reached out to XXXX and they agreed to removed the {$130.00} from my credit report but it is still there, this was a part of my XXXX  bankruptcy.
Complaint sub-issue: Reporting company used your report improperly

LexisNexis Still has my information, I called and asked to opt out, AND DELETE all information in my name. They said they would mail out a report of all items on my report, on XX/XX/XXXX they mailed me a letter saying " unable to process request ''. im under no opbilation to send them any of my personal documanets. I HAVE NO CONTRACT WITH LEXISNEXIS. I want ALL my information removed forever, this is a private company with my personal information REMOVE IT.
Complaint sub-issue: Unable to receive car title or other problem after the loan is paid off

On XX/XX/2021 - I mailed a cashier 's check issued by XXXX XXXX to CarMax Auto Finance for the early payoff balance of my vehicle : {$10000.00}. 

On XX/XX/2021, I checked the balance online and the account hadn't been updated yet. The cashier 's check was received by CarMax Auto Finance, endorsed ( XX/XX/XXXX ), and deposited into their XXXX XXXX account. 

I've made multiple calls to CarMax and trips to my local XXXX branch, attempting to resolve this issue. The explanations I have been receiving from CarMax have been changing throughout this process. In addition, after each contact iteration, CarMax hasn't provided any status update or new information. In fact, I have been promised multiple times that they would call me back, or email me- which never happened. Perhaps this is the company response when you try to pay off a vehicle early? 

XX/XX/XXXX : Call to CarMax ( XXXX ) Spoke with XXXX : She told me " They received the check. It's just a posing error. You will not be penalized. Your account will be updated shortly and title will be mailed to you ''. 

XX/XX/XXXX : Spoke with ( XXXX ) : She told me " The check was returned as a fraudulent check ''. I asked her for additional information, and she didn't have any. I asked to speak to the finance department. She told me they don't have a phone number or an email address. They only have a fax number and they will not provide any verification of receipt. 

Spoke with manager XXXX : He told me the cashier 's check was returned for fraud. I asked him for additional information. XXXX told me that he didn't have any. I gave him the cashier 's check information ; Date endorsed, XXXX XXXX account number, etc. He insisted this was my issue. I asked him if he could investigate on his end and he refused. 

I faxed the bank information I had to the CarMax Auto Finance fax number. 

On XX/XX/XXXX, I called CarMax and spoke with XXXX. Then spoke with Sr Manager XXXX XXXX. This time I was told my bank put a stop payment on the cashier 's check. I emailed her copies of the endorsed check, bank statement, etc. She guaranteed she would contact me in 2 days on XX/XX/XXXX. I was never contacted. 

XX/XX/XXXX : Called CarMax and spoke with XXXX. There are no new account notes on file. I requested to speak with a manager. I was told none was available. 

I've went to my XXXX branch multiple times throughout this process. The Regional Manager assures me, there are no issues with the cashier 's check.
Complaint sub-issue: Banking errors

I experienced fraud transactions on my acct with us bank, several were credited back but others werent. I expressed to US Bank I didnt authorize the transactions because I have been dealing with a an illness thats required me to have treatment and at times Ive spent multiple days in the hospital. On XX/XX/22 a rep called me asking for me to send my medical paperwork to them if not they would reverse provisional credit. I informed her that it would take me more time and she said I needed to do it by end of day Ive been sick, my XXXX causes me to exp weakness multiple days of throwing up and Ive been in and out of hospital. I dont understand why US bank is asking me for my medical docs as my doc stated its a HIPPA violation, I expressed this multiple times to them and no resolution and I havent received my funds back.
Complaint sub-issue: Debt was paid

I was referred to XXXX ( XXXX ) by my insurance company after I XXXX. XXXX had me come in six times for very short consultations and XXXX each time. I was not told upfront what the copay was. A few weeks after my appointments, I learned that the copays ranged from {$60.00} to {$80.00} per visit. I was shocked because many of the visits were only XXXX minutes each with a nurse practitioner. When I was presented with my bills ( totaling {$300.00} ), I tried to dispute the claims, and spent hours on the phone with my insurance company and with XXXX. In the end, I ended up paying the XXXX invoices totaling {$300.00} because they would not budge with the copay amounts they were charging, and my insurance would not cover it. I sent XXXX the six payments in XXXX XXXX. By then, my payments had already gone into collections and I was receiving mail from a debt collector between XX/XX/XXXX-XX/XX/XXXX. I talked with them on the phone on three separate occasions, verifying that I had indeed paid the {$300.00}. Finally, after several months of hearing from them, they stopped contacting me. The last time I talked with them, they verified that they noted the debt was paid and that I would not be contact by them again. However, in XXXX XXXX, I was contacted by a new debt collector, called " IC System ''. They maintained that I had not paid the {$300.00} in debt. I called them up right away and said that it had indeed been paid in XXXX XXXX, and I asked that they clarify this with XXXX because I did not want to keep getting harassed after I had paid. On XXXX XXXX, XXXX, I received a letter from IC System that XXXX said I had not paid the debt, and that they were still waiting on it. So today I sent them proof that I had paid, through my XXXX XXXX bank statement showing scanned copies of the XXXX deposited checks. I sent a cover letter along with this proof asking that they please stop contacting me and that they wipe my credit clear of this debt because I had paid it within 3 months of receiving the original invoices. This entire ordeal has been very time-consuming and frustrating because I paid the debt nearly a year ago and am still being harassed about it.
Complaint sub-issue: Personal information incorrect

Date : XX/XX/XXXX To whom it may concern, I am writing to update/correct my personal information on file with your company. 

Please update my address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Florida XXXX Please update my name XXXX XXXX My only social security number is XXXX My only correct date of birth is XX/XX/XXXX My only employer is XXXX XXXX  I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report as they as they are not deliverable to me by the U.S post office and they are not reportable as per the FCRA, since they are inaccurate. 
Sincerely,
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I sent Equifax a " Method of Verification '' request regarding the alleged bankruptcy they have on my credit report. 

On XX/XX/XXXX Equifax sent me the results of their supposed verification and claim they verified it as accurate from a third party source of XXXX. 

On XX/XX/XXXX I sent Equifax copies of a letter from XXXX stating the bankruptcy in question was deleted from my report. I also sent a copy of the XXXX consumer report public records section showing NO bankruptcy. I asked Equifax to delete this from my credit report as it was not properly verified as they claimed. 

On XX/XX/XXXX Equifax again sent me another letter stating they again verified this bankruptcy through XXXX. 

On XX/XX/XXXX I sent Equifax another follow up dispute again with the letter and consumer report from XXXX showing NO bankruptcy being reported, again I asked them to follow FCRA laws and DELETE this UN-VERIFIED bankruptcy. 

On XX/XX/XXXX Equifax sent me the same letter stating this bankruptcy was once again verified through XXXX, and also a letter stating they would not re-investigate this dispute.
Complaint sub-issue: Was not notified of investigation status or results

I sent a letter to the credit bureau to investigate my credit report where there is one account showing which is not mine. It has been over 30 days since I sent the letter but I still have not been notified of the investigation status or results. The agency has not complied with their 30 days notice of completing a investigation.
Complaint sub-issue: Account status

REFERENCE NUMBER XXXX I had a joint tax lien of XXXX, The IRS granted me full innocent spouse relief, the lien was later withdrawled per IRS and XXXX XXXX XXXX. Equifax took off the other lien but are still reporting this lien. I have sent them everything proving I do not have this lien faxed and online, all the paperwork, I have called them and XXXX XXXX XXXX said they are NOT reporting this. I do n't know what to do I do not have this lien.
Complaint sub-issue: Problem with rewards from credit card

On XXXX XXXX XXXX, I was purchasing my Airline tickets on XXXX XXXX website ( XXXX ). During checkout process for my airline tickets, I was presented with a XXXX XXXX XXXX XXXX XXXX XXXX XXXX promotion, with offer comprises following 2 rewards. 1. {$100.00} statement credit on purchase of XXXX XXXX air tickets. 2. 60,000 Bonus miles on making purchases of {$3000.00} in the first 3 months of applying the credit card. I liked the offer and agreed to apply for the card as part of my checkout process on XXXX. My application was instantly approved and the tickets were charged on this newly applied card. I was also provided with a temporary credit card that I could use until my physical creditcard was received. I made charges worth more than {$3000.00} on this credit card in the next 30-45 days. It 's been 2 statements and I did n't see {$100.00} statement credit on my credit card statement ( as per reward 1 above ). I also did n't receive 60,000 Bonus miles yet. I called Citicard and they told me I am not eligible for the above offers. I have disputed this with the Citicard as well. I am not agreeing to their decision as I was NOT informed about this ineligibility during my credit card application process ; nor I was made aware of any exclusions by asking me to read any specific *attached strings* or taking my confirmation. Not only that, I was not made aware of this exclusions all the way till I charged {$3000.00} on the card and after waiting for weeks, when I called them asking about why I have not seen {$100.00} statement credit and when will I get Bonus miles credited to my Aadvantage number ; thats when Citi customer service told me I am ineligible to get the Bonus miles. I have disputed this with Citicard customer service and am still waiting to hear their new response.
Complaint sub-issue: Reporting company used your report improperly

Agency reporting chapter XXXX bankruptcy and bankruptcy dismissed. 
However US bankruptcy courts does not release information to third parties. Based on this information must be deleted from my report.
Complaint sub-issue: Attempted to collect wrong amount

I found out tonight that there is a blemish on my credit report for a debt in collections. I never heard of this collection agency, who claim I owe a debt to a cable company, XXXX. XXXX did quote me a cost, two years ago, then raised the cost without my knowledge, added “late fees”, and continued to be a problem over-charging me to amounts I never agreed to. I made many calls to attempt to get this corrected, to no avail.I discontinued the cable service over a year ago, as I recall.The cable co is deceitful, and so is this collection agency who nevet contacted me.
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or correct them immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021
Complaint sub-issue: Investigation took more than 30 days

You have not responded to my requests in the 30 day period which is a clear violation of the FCRA delete the accounts.
Complaint sub-issue: Account status incorrect

I had a vehicle financed with  XXXX   XXXX   XXXX   XXXX . At one point my loan was issued to a particular  XXXX   XXXX  account manager. During the time this employee managed my account, he would constantly harass and call my husband and I, yell, scream, make insulting comments about our financial ability to pay for the car, and was overall verbally abusive. I came to the point where I did not answer phone calls from  XXXX   XXXX  because I refused to be subjected to this type of abuse at the hands of a major financial companies employee. I filed several complaints with the  XXXX   XXXX   XXXX   XXXX   Office of the President.  Nothing was resolved. Towards the end of  XXXX ,  XXXX   XXXX  added a {$200.00} insurance charge to the monthly payment claiming I did not have insurance on the vehicle. I was attending school out of state and was not aware of the additional charge tagged on ; however, we continued to make the normal monthly payments. The paid additional surcharge was calculated as nonpayment. The account manager put the car up for repression in  XXXX   XXXX . As a result, my husband and I immediately redeemed the vehicle and prevented the repression by refinancing the loan with a different financial servicer,  XXXX   XXXX   XXXX   XXXX   XXXX  in  XXXX   XXXX . The car was redeemed, the  XXXX   XXXX  loan was paid in full, and I kept the vehicle. I filed appropriate complaints with  XXXX   XXXX   Office of the President  and other agencies. Again, nothing was resolved.      XXXX   XXXX   XXXX   XXXX  reported the redemption as a repression to a consumer credit agency. The account is still incorrectly reported as a repression rather than a redemption with the account paid in full and closed. I have contacted both the credit agency and  XXXX   XXXX   XXXX   XXXX . to have the inaccurate report removed. I confirmed with a  XXXX   XXXX  customer service agent that the account states the loan was paid in full, transferred to a different financial institution, and closed. Nonetheless, the account was incorrectly reported as a repossession. I am having a difficult time correcting the matter with  XXXX   XXXX  and on my credit report. Apparently, there is no one in the dispute resolution department that I can speak to verbally to confirm the information. After being subjected to unlawful emotional and verbal abuse as a paying customer, I am still enduring financial harm due to the inaccurate report to the credit bureau. This is a mistake on the part of  XXXX   XXXX , yet I am having to spend an inordinate amount of time contacting the financial institutions, issuing paperwork, and documenting all the communication. I fear  XXXX   XXXX  will continue to provide incorrect information and subject me to financial and professional harm.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/XXXX and XX/XX/XXXX I sent a letter disputing 2 collections reported by the same company. I have yet to see any documentation regarding these account nor their investigation.
Complaint sub-issue: Reporting company used your report improperly

PERSONAL INFORMATION UPDATE LETTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 


I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX, XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX Sincerely XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

Upon review of my credit report prior to applying for a mortgage loan, it was discovered that there were several inconsistencies on my credit report. Disputes were then submitted with Equifax advising of the discrepancies with a request to either A ) verify the information provided or B ) remove said items from the credit report ( this was on XX/XX/2020 ). I had given thirty days to respond otherwise I would be following up. Well after thirty days with no response and no reflection of change on my credit report, I had decided to send a method of verification request to the credit bureaus on XX/XX/2020 with a request to remove the items if they were unable to provide an update on my dispute AND/OR a method of verification as they have already exceeded the timeframe allotted within the FCRA. Responses were then received advising of little or no change however no method of verification was provided to confirm the credit data furnishers were accurate. A letter in follow up to my Method of Verification request was then sent via certified mail and submitted online in the month of XXXX requesting that the inaccuracies be removed from my credit report which return receipts had confirmed were received as of XX/XX/2020. As it has now been a little less than a month since my last request and over four months since my first request, I am submitting a formal complaint in hopes that the CFPB can provide assistance inn the matter as these inaccuracies require to be removed in order qualify for a home loan. I look forward to your response.
Complaint sub-issue: Account information incorrect

I spoke to XXXX and disputed fees. I then advised AFNI that the charges were wrong on the account and advised I am disputing the balance and I want all reporting to cease and desist as it is improper. They still refused to work with me and for months they have reported a bad debt to my credit bureaus report and they argued that they could not remove the wrong reporting.. Stating they had rights ...
Complaint sub-issue: Their investigation did not fix an error on your report

I have recently been informed that there is negative information reported by ENHANCED RECOVERY COMPAN Reported : XX/XX/2019 {$220.00} in the file you maintain under my Social Security number. 
No contract exist ... Account was settled with creditor ( no valid claims ) I want it removed. False information is being reported.

I challenge the accuracy, compliance and reportability of these listings.

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX