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

Greetings, CFPB, and all military families and civilians, this is numerous complaints that I have sent to the CFPB, FTC, OFFICE OF THE COMPTROLLER and as well to the credit bureaus. 
This is my situation everyone, since no one is willing to help me with my serious complaints against this company XXXX  for their malpractices, abused, selling of my informations, reporting inaccurate informations on my credit report and having all of my personal information in the XXXX by their call center that is located in that country. I called in regards to that issue as well because I received a scam phone call from someone in the XXXX stating that they are calling me from the VA REGIONAL office in XXXX XXXX Florida to go over my XXXX claims, so I called the VA office to verify if they have offices in the XXXX helping veterans and they responded to me NO. So, the next day I went ahead and file a police report to safeguard myself. I also reported the incident to XXXX   and the rest of the bureaus. 
Now, today XX/XX/2019 at XXXX XXXX I called XXXX again the seventh time within a month time frame to find out what is going on with all 51 fraudulent inquiries showing on my report and as well for the legal letter I sent them on XX/XX/2019, they transfer me 6 times and every time I got an individual they took my information and says that I have to transfer you to another department, to a supervisor, to a supervisor in the fraud specialized team. Now, mind you I have been on the phone for 30 minutes waiting and being transfer to talk with someone that can really help me resolve my problems with this company. I finally got someone by the name of XXXX XXXX a supervisor on the specialized fraud team that was so rude, unprofessional, and just outright argumentative to my report, he kept saying that I have to wait for 30 days, my legal letter doesnt mean anything because by law the bureaus have 30 days to respond, so I told him sir I have been waiting for 120 days and all that transunion keep on responding to the CFPB is that I am a victim of fraud. 
Now, the CFPB says, that it will help consumer, however I need to know how I am being helped? Are they tired of receiving my complaints, do I need to contact my state representative, Congress to help me with this matter because it is completely unfair and unjust people. Anyone, that is reading my complaint please help or any suggestions that you may have in order to get my complaints for 120 plus days resolved. I had supposed to close on a home XX/XX/XXXX, however due to the inaccurate informations that XXXX  is reporting, my family will loose out on a roof over their head. I need help and that is why at times people take drastic measures because no one is willing
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

This final t refuses to call me their executive office always calls me instead they email me Im not happy with their response they have not taken care of my concerns I recently applied for a credit line increase on my Exxon Mobils account and was declined for ridiculous reason which has nothing to do with my credit even though it was pulled without my consent the reason on the letter insufficient time since last review which doesnt make any sense since I never requested a line increase in last 6 months I never got this I dont understand them I called customer service they refuse to help me and their executive office too
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/21 I sent letters to each bureau. I have not received a response yet. I feel like I'm being ignored about my disputes. Section 611 ( a ) plainly states 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 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Complaint sub-issue: Received bad information about my loan

I have been paying for many years ( probably over 3-4 years ) between {$400.00} and {$500.00} per month in student loans to Great Lakes and other Federal agencies and institutions, and I owe today more than I did when I started paying. I have not missed any payments, and I called to verify why and they stated that in all those years making over {$400.00} in payments PER MONTH only ~ {$4000.00} went to the principal. They also said that I should pay more money if I want the balance to go down and offered no real advise as to how I can get this balance to go down quickly. They said that my balance goes up hundreds of dollars a month. I asked for help and their only solution was to get me to pay more. I started with ~ $ XXXX about 4 or more years ago and today I owe basically the same amount or more after thousands in payments. This amount will keep going up.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX XXXX XXXX Account # 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

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

I asked all three credit bureaus to do a verification of everything on my credit report, and they did, except for ( Equifax ). XXXX and XXXX did so and stated everything was accurate. I did a thorough research myself and found improper inaccuracies on the credit reports to include Equifax, even after they did their own thorough research. 

I found improper inaccuracies on the accounts listed below ; XXXX XXXX Acct # XXXX. 
Date opened : XXXX Address ID : XXXX XXXX  XXXX XXXX Acct # XXXX. 
Date opened : XXXX Address ID : XXXX XXXX XXXX XXXX XXXX Acct # XXXX. 
Date opened : XXXX Address ID : XXXX XXXX XXXX Acct # XXXX. 
Date opened : XXXX Address ID : XXXX 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 a account without my written instructions
Complaint sub-issue: Didn't receive notice of right to dispute

In XX/XX/2020, I XXXX XXXX extended credit to Best Buy Citibank. For a year I have been deceived into making payments. Best Buy has been harassing me, calling me multiple times a day during unusual times. Best Buy did not receive any consent from me to contact me. In XX/XX/2020 after extending this line of credit, Best Buy never notified me that this was an attempt to collect a debt nor did they notify me of the right to validate or dispute this alleged debt. This is a violation of the Fair Debt Collections Practices act. Not only does Best Buy engage in unfair abusive debt collection practices, but they also furnish false and deceptive reports to XXXX XXXX and XXXX. I never gave them permission to report anything to my consumer reports and they did not inform me of my right to opt out. This is a transaction in which a finance charge is involved using my open ended credit plan, therefor Best Buy requesting payments by cash, check or mail is deceitful and a violation. I have attached and Affidavit of Truth, Debt Validation and a Cease and Desist letter to Best Buy. These documents contain over 10 violations with proof. Upon receipt of these documents, Best Buy has 30 days to respond. If a response is not received, this account and alleged debt should be closed and Best Buy is to cease any further attempts to collect.
Complaint sub-issue: Account status incorrect

Due to COVID-19 I was unable to make payments. The {$40.00} that was due has been paid in full. That information is no longer delinquent.
Complaint sub-issue: Reporting company used your report improperly

Credit Agency is not complying with Complaint as requested Per CFPB.
Complaint sub-issue: Their investigation did not fix an error on your report

This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached the letters and FTC report that was sent on XX/XX/2021 which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!
Complaint sub-issue: Company closed your account

XXXX up XXXX is holding funds that are in my account for 90 days. They 90 days has passed. They sent an email saying my funds would be realized within XXXX business days of XX/XX/2023. It is now XX/XX/2023 and I have yet to receive the {$3000.00} in my account. I would like my funds to be released to the bank account on file.
Complaint sub-issue: Debt was result of identity theft

I closed my account in XXXX 2017 due to identity theft and home burglary. Now the credit card company Citi bank tries to collect {$1500.00} that was previously resolved due to fraud. I do n't owe this amount. Plus, when I closed the account, my balance was {$0.00}
Complaint sub-issue: Don't agree with the fees charged

Dear Sir or Madam : I graduated from school in XX/XX/XXXX and shortly thereafter I consolidated my loans and began paying them. For the last 14 years I have never missed a payment and I have never been late. Since I have lived overseas several times over the last 14 years the address on file for my loan information has been my fathers house. The only communication I received from my loan company was a XXXX once a year. 

On XX/XX/XXXX I received three emails from my sister who takes care of my father in Connecticut. Each email had an attachment. The first attachment was a letter dated XX/XX/XXXX from my loan servicer XXXX  with a notice stating that my payment on XX/XX/XXXX was being returned because there was a new servicer. The second attachment was a letter dated XX/XX/XXXX from a company called Nelnet stating that a " borrower benefit has been removed from your account ''. There was no mention of what the benefit was, or why it was removed. The third attachment was a letter dated XX/XX/XXXX from Nelnet demanding that I pay double my normal student loan amount. 

The following day I called Nelnet to inquire about the mysterious borrower benefit that was being removed and I was told that the " benefit '' removed resulted in a 1 % increase in my interest rate that was equal to more than {$10000.00} over the life of the loan. The reason that it was removed was because my payment was late. When I told them that I had sent all my payments and I have records showing that the XXXX payment was made on time they said that it did not matter. It was my fault because I should have known that the servicer had changed. I told them that I never received any notice of the change and they said that it was still my fault. When I asked what can be done to resolve this they said that they would take it under advisement but there were no guarantees that anything would be done. I immediately made the missed payment over the phone. 

Predictably, today I was notified that the " benefit '' would not be reinstated and that I was being penalized {$10000.00} because of the missed payment. 

I believe that this was a calculated move by Nelnet to increase my interest rate in an attempt to force higher payments. I hope that you will help resolve this so other students are not victimized in the same way. 

Thank you for your assistance in this matter. 

Yours truly, XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/XXXX of 2020 XXXX XXXX  XXXX illegally ran my credit through four different credit bureaus in my attempt to purchase a vehicle I did not authorize by physical signature electronic signature verbal agreement or any other type way shape or form to allow them to do any other Financial inquiries into anybody but XXXX XXXX and there's even a duplicate of XXXX XXXX there was four different credit bureaus that they ran my credit through trying to obtain financing for my vehicle when I paid half the vehicles value down in cash they illegally violated the Fair credit reporting act and went against state and federal regulations that disallow them from creating environments that would damage my credit so badly that I've been affected monetarily in the long run without realizing that this had happened this seems to be reprimanded and fixed immediately
Complaint sub-issue: Contacted me after I asked not to

I have disputed this debt and asked them not to contact me. However, their letter states that even though the debt was disputed I need to disputed it again or they will assume the debt is now valid.
Complaint sub-issue: Information belongs to someone else

I HAVE TRIED TO RESOLVE THIS ACCOUNT THAT IS NOT MY ACCOUNT MY NEXT STEP IS FILE A LAWSUIT IN COURT
Complaint sub-issue: Used obscene, profane, or other abusive language

Though I am trying my best to get this debt taken care of they have been rude, disrespectful, and even advised me to take out a loan to pay them which I can and will not do. I went into full detail with a woman named XXXX about my situation, have made a payment and wanted to work out making payments to get this taken care of, but they have basically tried to bully me into making a payment in full that I can not make.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Utility company improperly wrote off balance. Write off was reversed, with all bureaus receiving notice from utility company on XX/XX/2022. To date, bureaus have not removed the writeoff and despite calls, can not confirm if they have the reversal or note. 

Its been over 60 days and no one seems to care about correcting this. 

I am being financially harmed and demand they reverse the write off as the utility company requested.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later. I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress 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: Their investigation did not fix an error on your report

I disputed incorrect information being reported concerning an XXXX XXXX XXXX and XXXX XXXX who bought the alleged debt. 
The details of which are included in a previous complaint. Equifax continues to allow proven false information to be reported by night adjustment I have provided documents proving the information is not accurate and requesting an investigation however that investigation consisted of asking the agency if the information was accurate and of course they would say yes as they reported it. They did not ask for any documents showing the debt is accurate even after I supplied documents showing the inaccuracies. Both XXXX and XXXX removed the in accurate information. XXXX XXXX  is a preditory agency and knowingly reports false information trying to bully people into paying what they don't owe. After disputing and supplying proof Equifax should do due diligence and actually investigate if they are going to continue allowing the reported information to remain not just ask a question. The information is false and they are responsible to remove false information not ignore the proof I submitted when XXXX XXXX  has submitted nothing showing the validity nor can they I have request that information repeatedly to no avail I would be happy with the implied proof or remove from my report immediately.
Complaint sub-issue: Information belongs to someone else

Im a victim of fraud, I have fraudulent accounts and fraudulent addresses on my credit report that I dont recognize nor did I authorize!!!! Ive sent a identity theft affidavit along with docs verifying my identity and Ive called 5-10 times and counting and the three credit bureaus refuse to remove the fraudulent accounts and addresses on my credit report dispute the fact that I have provided all the documentation they requested!!!
Complaint sub-issue: Debt was result of identity theft

Stated XX/XX/2016 I owe {$2400.00} in debt to Pro Collect I cant get any information on it dont even know where the debt from. Seem like I cant get accurate information on it.
Complaint sub-issue: Information belongs to someone else

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so.
Complaint sub-issue: Trouble getting information about the card

Stimulus Card Issue : XXXX - Money Network Financial , LLC I was informed a card for the stimulus payment was mailed to me in XX/XX/2021. I have never received a card. This is the second payment - {$600.00}. 

I received a letter from : XXXX XXXX XXXX  XXXX, XXXX. XXXX XXXX, XXXX, NE XXXX because I have not activated my card!!! 

I have attempted ten ( 10 ) times to contact them at the number provided : XXXX. 

Regardless of the phone prompts used, it always ends with their automatic reply to hang up. Several times I have advanced after providing the last six ( 6 ) digits of my social security number and my zip code. A recorded message responds with a phrase that states a replacement card will be provided please allow 7 - 10 days for mail processing. and shipping time, and then it hangs up. This has gone on for 45 days. 

I have used up all available options except my elected representatives in Washington. 

COMPLETELY UNRESPONSIVE AND I WANT THIS RESOLVED ASAP
Complaint sub-issue: Account information incorrect

A company called XXXX is saying that I have a closed account with them and owe {$700.00}. The account was opened this year. I reported the fraud and tried to dispute the transaction and they wont help me.
Complaint sub-issue: Information belongs to someone else

Equifax posted a account on my credit report that doesn't belong to me and which has not been verified. XXXX XXXX XXXX under the direction of XXXX submitted and alleged debt that I owe without giving me proper notification. I was never allowed to review this alleged debt to see if I was the correct person it who owed it or if it was a situation of fraudulent activity. XXXX XXXX XXXX stated that it sent to my address a debt letter, but the address they sent the letter to was an address that I moved from in XX/XX/2012. I have moved three different times since I lived at the address they claimed to have sent their debt letter. I am currently a XXXX customer, whom have my current mailing address. There is no reason why there could be a mix-up in my current address. Again, I am denying that this debt belongs to me and I am asking that it be removed from my credit report immediately.
Complaint sub-issue: Account status incorrect

On XX/XX/2021 I received a notice of late payment identifying a mortgage amount with which I was unfamiliar. The notice indicated I was late on a payment of {$5200.00}. My monthly mortgage payment up to that point was {$4500.00}. The change was apparently due to an increase in my mortgage escrow. I never received notice of the change. As such, my regular payment was made but it Key identified it as late because was short. When I called, on XX/XX/XXXX, I realized this and asked the agent to advise me as to how much I needed to pay to make up for any shortage. He told me i needed to pay {$680.00}. I paid it. 

Evidently, the indication from KeyBank to pay {$680.00} was incorrect. Unbeknownst to me, I also owed for XXXX as the escrow had increased for that month as well. The agent failed to indicate all amounts due at the time and I only paid one payment of {$680.00}, despite the fact that two such payments were due. In addition, the agent failed to apply the payment so it evidently sat in my account as an unapplied payment. When I independently checked my credit I noticed a late payment identified by KeyBank to the credit reporting bureaus. I called and asked for that reporting to be corrected as being in error, however, was told that would not be done. 

This is infuriating. In addition to contacting the CFPB, I will be reaching my state 's attorney general 's consumer complaint department. Please rectify the erroneous reporting to the credit bureaus immediately.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a 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 ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Complaint sub-issue: You never received your bill or did not know a payment was due

Card 's internal servers are constantly down. Customer support staff place me on hold. Every attempt I made to connect with an agent they deflected and sent me over to another department without actually addressing the problem. The agents were clearly only concerned with informing me repeatedly that I missed a couple of payments. 

Furthermore, there internal communications system is constantly undergoing routine maintenance. This limits the consumer 's ability to communicate and make payments in a timely manner. My credit card accounts are not an accurate representation of my integrity and my willingness to settle.