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

On ( XX/XX/2022 ) 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. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Account status

I applied for a vehicle loan, The dealership said I was currently past due and had XXXX open autos. I do not I have XXXX. I went to the credit union she showed me that they were reprting correctly. I went to annual credit report.com all XXXX bureaus were reporting correctly. 
The only place reporting incorrectly is credco corelogic. Thier defense is they get thier information from credit bureaus, My point is The vehicle they are reporting is A paid out vehicle, It has been reporting correctly through thier system for years I have proof they reported it correctly before. I do Not have but XXXX open auto its through XXXX XXXX. They seem very unwilling to correct the problem and are putting it off on bureaus and Credit union. But I have proof that bureaus and credit union have it correct. 
Please help in any way you can This has directly affected my score and I have numerous inquries. I also have been turned down for an auto loan.
Complaint sub-issue: Their investigation did not fix an error on your report

This is my second time filing a complaint with Equifax. I will be following up with the Consumer Financial Protection Bureau and filing a civil lawsuit for defamation of character. The following accounts listed below are fraudulent and I request that the information be blocked from my report. Under Section 1681c-2 of the FCRA, I meet all the requirements for a block of the fraudulent information on my report. My identification which is attached to this letter, a copy of my identity theft report, which is also attached, the information that I request to be blocked is listed below. This information is not relating to any transaction of mine. The accounts that are fraudulent on my report are listed below. There are more but the FTC report only allowed me to list 5. I have also attached a Notarized letter stating it is in fact me sending out this dispute. This letter will be sent certified with signature. I expect that the accounts be blocked within 4 days of receipt. It is illegal to do what youre doing to us consumers.
Complaint sub-issue: Their investigation did not fix an error on your report

In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX 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: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX -open XXXX XXXX XXXX Balance Owed : {$470.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance Owed : {$61.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXL XXXX Balance Owed : {$3600.00} XXXX XXXX XXXX Balance Owed : {$640.00}
Complaint sub-issue: Didn't receive terms that were advertised

Around XX/XX/2019, i was solicited with an online offer from Citibank to establish a " Citibank account '' package and deposit {$15000.00} into the account, maintain it for 60 days along with direct deposit activities and i would receive {$400.00}. I have maintained my end of the deal and fulfilled the requirements. I followed up 4-5 times with citibank customer service reps by chat, phone and email and they notated my account to be eligible for the bonus and will be credited accordingly. 4 months later, i received an email saying i am not eligible for the promotion.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2017 I went into Best Buy just to inquiry about a price of a XXXX laptop at the moment I did not have the full cash to buy the laptop as yet. During the conversation with a Best Buy sales representative he told me that I could get the laptop on finance without having to pay full price for the laptop he told me I could get the laptop if I apply for the best buy finance card and pay it of over time. 

The option that the sales person gave to me sounded interested at the time. I ask the sales associate if the application would be a hard inquiry on my credit report and to his responds he said no that the application would be a soft inquiry and that if I was accepted it would be instant. I ask the representive if he was sure and he said I didn't really wanted to do it at the time because I know my credit was just being built and told him that I would be deny to his response he said that it would not affect my credit if I was denied and that he has seen people that has just start building their credit who got approved for the card. 

At that time the sales rep convinced me and I entrusted him with the information he provided to me the it would not be a hard inquiry on my credit report. A couple months later to my surprised I am seeing the hard inquiry on my credit report from Best Buy and I felt like I was tricked with the old sales tact of bait and switched. 

I have reached out to Best Buy to see what they could do to get my report off and they gave me the run around. The information that came up on my credit report is CBNA/BBY with the contact information XXXX XXXX  XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX and I have seen the hard inquiry on my XXXX credit report I am not sure if it is on the other two credit bureau.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX-XXXX Inquired XXXX XX/XX/2021 XX/XX/XXXX
Complaint sub-issue: Transaction was not authorized

I received a debit card in my name and the company the it was opened under is not helping me Upgrade Debit Card I called the number on the back of the card XXXX I was transferred numerous times and no one can help me
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/19, purchased a dining room table in the amount of {$1100.00} from XXXX XXXX ( XXXX, FL location ) using my Citicard. Company delivered furniture on XX/XX/19 in damaged condition. Per company 's policy, I immediately took pictures of damage and filed a claim online ( claim # XXXX ). Over the next two months, the company made 3 separate appointments to repair table ; only to not show up ( or even call to cancel appointment on two occasions ). Simultaneous with complaint, I notified Citicard that the charge of {$1100.00} is being disputed until the table has been repaired. Citicard issued temporary credit. When XXXX XXXX was unable to repair table ( or even show up to do so ), they appeared at my house without notice on XX/XX/19 to pick up the table. I then received a copy of a memo from XXXX XXXX ( ref XXXX ) advising " credit memo to pick table up. '' However, apparently XXXX XXXX never coordinated that credit memo with Citicard. 
Citicard issued a memo on XX/XX/19 advising " regrettably, we are unable to assist you with this dispute. '' I sent a detailed letter to Citicard at their XXXX XXXX, SD address ( only address supplied by them ) detailing the nature of my complaint and again requesting their assistance since they reversed the credit to my account. Never received a response to this memo or my other written communications to them. Citicard is now showing me in arrears for the {$1100.00} charge plus accumulated interest. Note that I always pay my credit card balances in full each month and have an excellent XXXX credit score. 
I subsequently cancelled my long-held Citicard ; yet, they still are showing me with an outstanding balance. Sincethe table was picked up by the vendor, a credit memo issued but not acted upon, why are they not crediting my account in full? It is impossible to receive an answer from Citicard other than " you have to deal with the vendor directly. '' Needless to say, the vendor -- XXXX XXXX -- does not respond either. 
If you want copies of the multiple letters and memos, I can furnish them.
Complaint sub-issue: Threatened to sue you for very old debt

In 2013, I applied for a payday loan from a fraudulent company that is presumably based overseas. I applied for a loan of XXXX dollars and never received the money. I canceled my application and was then harassed by the fraudsters that ran the company. They called me nonstop for a month straight, threatened my life, tried to extort me. Last week I received a phone call from Crestwood Management a scam law firm that represents this " payday loan '' company. I talked to a woman over the phone named XXXX. She told me that I am XXXX in debt, for the loan I never received in the first place. And applied for almost 9 years ago. Apparently, I will receive a summons in the mail tomorrow, I was notified of this via text from phone number XXXX. I was told to call XXXX if I needed more info. I called and they tried to set me up on a payment plan of XXXX dollars for 10 months for this loan which I never received. 

I am also notifying the XXXX XXXX XXXX and the local authorities of this scam.
Complaint sub-issue: Their investigation did not fix an error on your report

They did not resolve the issue. I have been attempting to get access to my Equifax credit report online. This has been ongoing ISSUE for months. I submitted a complaint with the CFPB TWICE ALREADY, THIS IS MY Fourth COMPLAINT. I have been unsuccessful with Equifax themselves. They responded back that the issue had been resolved IN MY PREVIOUS COMPLIANTS. Which is incorrect the issue has not been resolved. I am still trying to access my credit report. I have disputed some items and I am still unable to view them because I do not have any access. THIS IS NOW MY THIRD ATTEMPT TO CORRECT THIS ISSUE. I CAN NOT ACCESS MY EQUAFAX ACCOUNT. PLEASE SEE ATTACHMENT BELOW. I AM ASKING THAT THE CFPB LOOK MORE INTO MY COMPLAIN EVERYTIME I TRY TO LOGIN INTO EQUAFIX IT DOES THE SAME THING. YOU CAN SEE THE ATTACHEMENT PLEASE ADVISE HOW TO MOVE FOWARD. I HAVE USED THE RESET BUTTON AND I AM UNABLE TO ACCESS MY CREDIT REPORT
Complaint sub-issue: Investigation took more than 30 days

I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thanks you.
Complaint sub-issue: Was not notified of investigation status or results

I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus XXXX, XXXX and equifax to delete said accounts and i am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. these accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. please help resolve this matter because it is illegal to report these accounts without written signature.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/XXXX I sent credit dispute letters to XXXX, Equifax and XXXX asking to Validate the debt for 4 accounts I saw on my credit report. I did not receive any return communication by mail from them. 
On XX/XX/XXXX I sent another letter letting them know I had not heard from them and I wanted an investigation started on the 4 accounts. I did not receive ay return communication by mail from them On XXXX  I have sent another letter by certified mail letting them know I have not received a reply about the results of the investigation in to the 4 accounts. This is causing a hardship because it is preventing me from buying a home for my family. Very soon we will have to find a new place to live. 
I thought the credit bureaus had 30 days to respond with the results of their investigation. if so they are in violation.
Complaint sub-issue: Information belongs to someone else

I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again
Complaint sub-issue: Application denied

I am writing to you to escalate an extremely serious unfair credit card decision by Citibank. This was regarding my new XXXX XXXX XXXX credit card application. Recently I applied for this XXXX XXXX XXXX credit card online, but it was declined by credit card department. Today a representative ( XXXX XXXX XXXX ) from Citibank executive office called me and explained why this application was declined. The reason that XXXX XXXX gave me was that I opened two new cards over the past 12 months ( not with Citibank, but with other banks ).

First of all, I have outstanding credit score and credit history that you can see in my credit report. Secondly, I know many of my friends who opened even more than two new cards in 12 months but were still approved with new card application by Citibank. Apparently, Citibank treated me very unfairly as opposed to other Citibank customers. This is seriously against US Federal Law of Fair Credit Act. I suspect Citibank credit card representative XXXX XXXX XXXX had discrimination against me because I am minority when she made such a decision. 

I must request Citibank to re-review and approve my application as fair decision compared to other customers. 

For your information, my application ID with Citibank is XXXX.
Complaint sub-issue: Funds not handled or disbursed as instructed

On XX/XX/21 Citibank closed out my account I was a customer for 3 or 3 1/2 years now until this day XXXX they still have not told me why or what happened ( I have a idea but they did not do a investigation or anything they just close my account ) basically they sent me a letter saying they would mail me a check for the funds remaining in my account which was between {$2800.00} - {$3000.00} in that range/area I ent to the branch in XXXX They have been acting funny about my funds Ive called and visited the branch XXXX XXXX XX/XX/XXXX and XX/XX/XXXX they said they can not issue me any funds I have to wait for a check In the mail. I received a letter XXXX saying if I needs my funds sooner I can go into the branch.I called the fraud or what ever department listed on said letter they said I was always able to go into the branch and get my funds. On XXXX I got back into the XXXX  branch again and when I did they told me on XXXX they already mailed out a check. I spoke to Citibank representatives I called 5 times XXXX XXXX XXXX XXXX and today XXXX and I spoke to supervisors 3 time every time I speak to them I ask when am I getting my check and exactly how much will it be? They keep saying its a confidential matter and they cant discuss it any further with me and hung up and this has been 5 times and I felt that its XXXX for a supervisor or representative to hang up on a customer. Im XXXX  at this point. And that was my loan and credit card company money I need my money ASAP my credit score has dropped and I now have have missed payments smh
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since XXXX a stickler for research, I found that under section 605b of the FCRA the XXXX credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If the credit bureaus feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify XXXX % accuracy that each account is XXXX XXXX true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Was not notified of investigation status or results

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 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 Company Inquiries : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Old information reappears or never goes away

Yes, I am a victim of a mistake by XXXX XXXX XXXX XXXX. They made a mistake on my case by explaining how their arrears dates work. I was under the clear impression that I was only one month behind on Child Support because I made my payment on XX/XX/2018. However, it was never explained to me that if the payment does not get into their system by the first of the month, it automatically goes into arrears! 
It takes my XXXX XXXX autopay about 4-5 days to go through their system. They went ahead rudely and illegally submitted my case to collections which hit my credit report- lowering it and causing a huge problem now with getting the collection off. I immediately called them and put thebalance on my credit card and paid them up in full but now I have a mistake on my credit report! I need help with this.
Complaint sub-issue: Personal information incorrect

My personal information is being reported as inaccurate and this is a direct violation of the FCRA. My personal information should be updated immediately to counter fraudulent accounts or inaccurate information from being reported on all XXXX of my credit reports, My name should be reported as it reads on my Hawaii XXXX issued Drivers License and it reads as follows and all other names should be deleted immediately, XXXX XXXX XXXX XXXX is my birth given name and should be the only name that shows on my XXXX, XXXX, and Equifax XXXX XXXX, nicknames, know as names, or other names should all be deleted immediately, also my address is XXXX XXXX XXXX, Apt XXXX XXXX Hi, XXXX, all other address should be deleted immediately in accordance with the FCRA, also my Birth Date is XX/XX/XXXX and should be updated immediately on XXXX which only has XXXX reporting as my birth date, also update my place of employment as XXXX XXXX XXXX Co XXXX and it should show on all XXXX Credit Bureaus XXXX, Equifax, and XXXX all other places of employment I want to deleted off my credit reports immediately for inaccurate reporting. Also, update my phone number to my personal phone number XXXX and delete all other erroneous phone numbers on my credit reports Thank You I will upload my Valid Drivers License and Social Security Card my XXXX XXXX, and a Utility Bill as Proof of Identity and Residence
Complaint sub-issue: Investigation took more than 30 days

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX SS # XXXX I am writing in regards to some discrepancies I noticed on some of the accounts on my credit report from Equifax. I have asked Equifax to investigate these accounts and have not received any investigation results or changes. I have sent a letter XX/XX/2022 and another XX/XX/2022 and no response. 

XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXXXXXX - Originally XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX - Originally XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX  - Originally XXXX  XXXX  Account XXXX XXXX XXXX This inaccurate information on my credit report has been effecting me and would like it removed. 

Thank you, XXXX
Complaint sub-issue: You never received your bill or did not know a payment was due

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX 2018 - 30 DAYS LATE??? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Complaint sub-issue: Information belongs to someone else

I've contacted Equifax XXXXXXXX and XXXX I was able to dispute everything that needed to be disputed on my credit file with XXXX and XXXX however Equifax gave me a hard time and told me I would be unable to dispute so I am filling the complaint with you guys in regards to this matter there has been fraudulent activity on my credit file and it needs to be removed There is over 50 inquiries on my credit file accounts opened that I never opened nor have any knowledge of and accounts that should have been removed due to the pandemic that have not been