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

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Account Number : XXXX Please remove it from my credit report. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Account Number : XXXX Please remove it from my credit report. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Account Number : XXXX Please remove it from my credit report. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Account Number : XXXX Please remove it from my credit report.
Complaint sub-issue: Funds not handled or disbursed as instructed

I tried to withdraw funds from my US Bank account through XXXX XXXX. I scheduled a transfer for {$4000.00} and it was withdrawn on XX/XX/XXXX. The transfer did not complete successfully and the funds are stuck in limbo somewhere. The funds have been missing for an entire month. The trace number for this transaction is XXXXXXXX XXXX  XXXX  told me they are helpless to do anything and I would have to file a dispute through US Bank. I did so and my dispute was rejected because I authorized the transaction. I have to recourse and no way to recover my funds.
Complaint sub-issue: Reporting company used your report improperly

These Consumer Reporting Agencies have continued to abuse my right to privacy, as well as unauthorized use of my non public information having no direct consent from me, which constitutes Identity Theft. I have never given written authorization to share any of my personal information, including BANKRUPTCY to any third party entities. The reporting of this information has caused me to suffer severe defamation of character and discrimination as it has been creating unjust treatment, higher rates and fees upon the extension of credit. The information has also caused me great embarrassment as it is being reported without my consent and I was unaware of such reporting and now current and potential creditors have viewed me less favorably. I. have suffered from marital instability due to the financial stress and burden this adverse information conveys. UNITED STATES BANKRUPTCY COURT XXXX XXXX XXXX NEW YORK - They do not report to any consumer reporting agencies. Meaning that these low down dirty consumer reporting agencies ASSUMED they had the AUTHORITY to FISH the Pacer network for consumers BANKRUPTCY records then furnish and profit of the HARDSHIPS, PAIN and SUFFERING hard WORKING AMERICANS are going through. This is DISHONORABLE to say the least, and should be ELIMINATED.
Complaint sub-issue: Trouble getting a working replacement card

I received this gift card as a  XXXX  gift in  XX/XX/XXXX . I opened the card that day, never used. I did not try to use the card for close to a month? When I did finally try to use it, I kept getting an error with the card telling me I was not able to use it or it was denied. I tried the card i n  XXXX  sep arate stores total thinking it was the store.   I finally called the number on the back. The company told me the card had a   XXXX    balance and when I spoke to the customer service agent, they looked up that the card was used on I think either   XX/XX/XXXX   XX/XX/XXXX   or  XX/XX/XXXX , in California. Not only did I not have the card in the mail as of yet, but I live in Oregon.     I filed a complaint, the  US Bank/ Visa company said they would have me fill out the paperwork. I filled out the paperwork. We are now at  XX/XX/XXXX  and I still have not received my replacement card.   I have called and  US Bank/ Visa said they are still researching the card. I have already been told over the phone they saw charges of the card used in a state I do n't live in. I do n't understand why this has been impossible to get my replacement card.   i feel like  US Bank/ Visa is acting fraudulently by keeping the money from the card and refusing to send a replacement.     This is a  Vis  a Debit Gift Card    XXXX    XXXX  issued by  US B ank
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent about my accounts dated last XX/XX/2021. However, any modes of response or coordination were not taken on their end. Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, XXXX5 USC Sections 1681i within the time allowed by law and continuously reported as unverified information on my Credit Report. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX- XXXX {$0.00} XXXX  XXXX {$290.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I never gave any written or verbal consent to XXXX, Equifax, or XXXX  to report any information onto my consumer report. I believe if NO consent is given then it is committing identity fraud for furnishing information without my permission pursuant to 15 USC 1681b : Permissible purposes of consumer reports, Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Complaint sub-issue: Account status incorrect

The car was returned on XX/XX/XXXX and the last payment on the lease through XXXX or XXXX XXXX was made on XX/XX/XXXX and the receipt along with the California DMV are attached to this showing the last payment made on XX/XX/XXXX and the car changed title on XX/XX/XXXX. the account number is XXXX with XXXX XXXX XXXX and my name is XXXX XXXX XXXX. 
So first the account needs to show closed on XX/XX/XXXX and secondly there ca n't be a past due at all for XX/XX/XXXX as all of the lease payments were made prior to lease end  on XX/XX/XXXX. 
They are trying to show a late for {$36.00} for something that is not a payment but a milage assessment that was done after the car was submitted and we did n't even get the bill for the difference until well after so the late needs to be removed for XX/XX/XXXX. 
XXXX/XXXX when I spoke with them told me that they were sending a letter to the bureaus to remove the late which was incorrect in XX/XX/XXXX but that still has n't happened, and they would not provide me a letter. 

Trying to get a re-fi and this false late is causing problems, and XXXX/XXXX needs to get this removed now from all 3 bureaus for XX/XX/XXXX and I was never late on the account. 

Thank you.
Complaint sub-issue: Keep getting calls about my loan

I have received 8 calls in the today since XXXX XXXX and it is now XXXX XXXX. this is absolutely uncalled for. I already told them I would make the payment Friday and they advised they do n't do promise to pay. why would you call me 8 times in the matter of 8 hrs. to hear the same thing I have told XXXX reps.
Complaint sub-issue: Information belongs to someone else

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The report included this language but XXXX is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedyand the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you 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. This account ( s ) is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXXXXXX XXXX Date Opened XXXX. XXXX, 2016 XXXX : {$0.00}
Complaint sub-issue: Information belongs to someone else

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX to : Equifax Equifax XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 Re : Unauthorized Credit Inquiry To Whom It XXXX Concern : I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. The following inquiries, I believe are or may be part of FRAUD : Inquiry : XXXX  Date of Inquiry : XXXX Contact : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXX XXXX Date of Inquiry : XXXX Contact : Not Available Inquiry : XXXX Date of Inquiry : XXXX Contact : Not Available Inquiry : XXXX XXXX XXXX XXXX XXXX of Inquiry : XXXX Contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX  Date of Inquiry : XXXX Contact : Not Available
Complaint sub-issue: Didn't receive enough information to verify debt

I received a notice dated XX/XX/2022 in XXXX from XXXX XXXX XXXX regarding an alleged debt. 

I called XXXX to dispute the debt on XX/XX/2022, but the representative could find no reference to the alleged debt even when I provided the reference number. 

I then disputed the debt via certified mail on XX/XX/2022. Tracking showed that certified mail was received by XXXX on XX/XX/2022. 

I received no response until today XX/XX/2022, when a new company, TrueAccord, attempted to collect the debt via email. They made no mention of my dispute. TrueAccord 's email did not make it clear what their affiliation is with XXXX XXXX XXXX and whether or not they are one and the same ; therefore, because TrueAccord attempted to collect the debt without providing the requested proof ( a request which was received over 60 days ago ), I am reporting both companies.
Complaint sub-issue: Received bad information about your loan

This relates to public service loan forgiveness and credits for the 120 student loan payments that must be made. I am complaining again since the response by Fed Loan servicing was that they will send me a copy of a print out from years ago to address my complaint. Insufficient. I now attach a print out clearly showing dozens more payments toward public service loan forgiveness than the lender shows ( thus making it necessary fgor me to work YEARS LONGER ). I have made payments of over {$800.00} a month for years and have been forced into countless forbearance situations to allow the 3 different lenders servicing my loans since XX/XX/XXXX to address many transitions and failures along the way. I am not getting proper credit for payments I made. I want fed loan servicing to make adjustments to the credits for payments made during forbearance. I am NOT ASKING FOR CREDIT THAT PREDATE THE XX/XX/XXXX PROGRAM. Do n't make that part of your absurdly inadequate response. I can not get a record of payments before XX/XX/XXXX but just since then I show 41 full monthly payments made. I am showing 19 payments made. THAT 'S NOT EVEN 2 YEARS and is a joke as far as even closely resembling accurate records of my payments. It 's not even I request records going back to the beginning of my enrollment and for proper credits to be issued and for the errors of the lender to not prevent credit ( things like putting me in the wrong program, failing to notify of program changes, it taking 4 months to make a determination or a year to transfer records where during those times no payments would be credited ). I will have to join the class action lawsuit requesting judicial relief if this can not be resolved.
Complaint sub-issue: Problem getting your free annual credit report

XXXX XXXX will not give you free report. They take you to a page asking For credit card information and tell you it cost {$24.00} to get your credit report. Then if you scroll backwards it takes you to another page that says its {$9.00}. After spending XXXX minutes filling out all this information and going back-and-forth you still do not get a credit report
Complaint sub-issue: Was not notified of investigation status or results

on XX/XX/2020, i mailed a letter asking for verification of accounts listed on my credit report because I was recently denied credit. I never received a response so I mailed another letter o XX/XX/2020. It has been almost six weeks since the last letter and I still haven't received a a response.
Complaint sub-issue: Other problem getting your report or credit score

I have been unable to obtain my credit report from Equifax for over 2 years. My most recent call to them was on XX/XX/XXXX. I can not access my equifax.com account and lenders can not pull my report. Instead, a message to call the consumer care center appears. The care center stated there's an " internal block '' on my credit, however, it wasn't placed by Equifax per their representative. They asked me if I recall being a fraud victim and I said no I have never been a fraud victim. They can't tell me who placed this " internal block '' on my credit. Finally claiming that I placed the block or " maybe a creditor placed the block ''. When I tell them I did not place block, and I did not authorize anyone to place a block on my behalf so I'm requesting they remove it, they stated I must send copies of personal identification information ( birth certificate, social security card, and driver 's license ) via FAX or MAIL. When I told them I refuse to send those documents to a company that had a major security breach and would like a physical address where I can resolve this matter, the representative put me on hold for greater than 30 minutes ( my lendor can confirm this ) and never spoke on the line again. I have had this same experience In XX/XX/XXXX. I want this " internal block '' with codes XXXX and XXXX removed. I want my access to my online account back. I did not place an " internal block ''. Who would place a block on only ONE of their credit bureau accounts? It is ONLY on Equifax and ONLY with Equifax that I have this problem. It is absolutely unacceptable that I can not see or access my own credit report.
Complaint sub-issue: Information is not mine

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. Also attempted to contact XXXX, XXXX, XXXX, etc. per the address listed on my credit report and the letter got returned. I sent it to the bureaus and they ignored it. Please help if you can thank you.
Complaint sub-issue: Account status incorrect

ON XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX REPORTED IN CORRECT INFORMATION TO THE CREDIT BUREAUS. 

EXAMPLE : CREDIT REPORT FOR ACCOUNT NUMBER XXXX, DATE REPORTED XX/XX/XXXX. 

ISSUE 1 ) STATUS IS INCORRECT AS THE STATUS SHOULD BE PAID CHARGE OFF AS THE ACCOUNT HOLDER MADE A SETTLEMENT TO PAY OF THE ACCOUNT IN THE AMOUNT OF {$960.00} ON XX/XX/XXXX. ATTACHED PAID RECEIPT DATED XX/XX/XXXX. 

ISSUE 2 ) CREDIT REPORT STATES LAST PAYMENT ON XX/XX/XXXX, THIS IS INCORRECT AS THE PAID RECEIPT STATES PAYMENT XX/XX/XXXX. 

ISSUE 3 ) CREDIT REPORT STATES DATE OF MAJOR DELINQUENCY FIRST REPORTED ON XX/XX/XXXX. THIS IS FALSE AS THE ACCOUNT WAS PAID IN THE SETTLEMENT ON XX/XX/XXXX. 

ISSUE 4 ) COMMENT SECTION STATES ACCOUNT PAID FOR LESS THAN FULL BALANCE. THE SECTION SHOULD READ ACCOUNT WAS PAID ON SETTLEMENT AGREED BY CREDITOR. 

ISSUE 5 ) THE 81-PAYMENT HISTORY IS INCORRECT AS THE CO STATUS FOR XXXX XXXX, XXXX, XXXX IS FALSE AS THE ACCOUNT WAS PAID ON XX/XX/XXXX. 

ISSUE 6 ) THE 81-PAYMENT HISTORY IS INCORRECT IS INCOMPLETE AS IT FAILS TO STATE FOR YEARS XXXX, XXXX, XXXX, XXXX. 






ON XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX REPORTED IN CORRECT INFORMATION TO THE CREDIT BUREAUS. 

EXAMPLE : CREDIT REPORT FOR ACCOUNT NUMBER XXXX, DATE REPORTED XX/XX/XXXX. 

ISSUE 1 ) STATUS IS INCORRECT AS THE STATUS SHOULD BE PAID CHARGE OFF AS THE ACCOUNT HOLDER MADE A PAYMENT IN FULL IN THE AMOUNT OF {$300.00} DATED XX/XX/XXXX. ATTACHED PAID RECEIPT DATED XX/XX/XXXX. 

ISSUE 2 ) CREDIT REPORT STATES LAST PAYMENT ON XX/XX/XXXX, THIS IS INCORRECT AS THE PAID RECEIPT STATES PAYMENT XX/XX/XXXX. 

ISSUE 3 ) CREDIT REPORT STATES DATE OF MAJOR DELINQUENCY FIRST REPORTED ON XX/XX/XXXX. THIS IS FALSE AS THE ACCOUNT WAS PAID ON XX/XX/XXXX. 

ISSUE 4 ) THE 81-PAYMENT HISTORY IS INCORRECT AS THE CO STATUS DATES IS FALSE AS THE ACCOUNT WAS PAID ON XX/XX/XXXX. 

ISSUE 5 ) THE 81-PAYMENT HISTORY IS INCORRECT IS INCOMPLETE AS IT FAILS TO STATE FOR YEARS XXXX, XXXX, XXXX, XXXX.
Complaint sub-issue: Keep getting calls about your loan

I have been paying monthly on my Sallie Mae acount for awhile and they continue to call my cosigner, a XXXX XXXX XXXX woman, my grandmoher XXXX times daily starting at XXXX XXXX. I pay XXXX per month on the account. My grandmother is now having XXXX XXXX, possible XXXX or a XXXX XXXX. I have asked that they stop calling her and I have written to Sallie Mae and requested that they stop calling her.
Complaint sub-issue: Public record

There is Public Record Information on my credit profiles that I feel is inaccurate in its filing. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " XXXX XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization. By Consumer Rights law I am entitled to know of the entity that has verified the information. This derogatory is holding my identity and credit under " XXXX XXXX '' for 10 years, where is that written as law, when there was not a satisfied action? The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Complaint sub-issue: Old information reappears or never goes away

Notice, it is a fact, that, I, XXXX XXXX have been a victim of practices that violate my rights as a consumer. 

Notice, it is a fact, that, I, have made many attempts in good faith to remove the accounts listed from my consumer report and the accounts have remained for over 12 months. 
Notice, it is a fact, that, I, have been denied the right to travel using a vehicle because these accounts remain on my consumer report. 
Notice, it is a fact, that, I, have been denied a home due to the fact that I have these accounts on my consumer report. 
This entire process has caused me nothing but stress and hard times enduring these denials. Not only for me but my family as well. These bureaus have been in the wrong and are breaking the law!!! Accounts that have been removed have been laced back on my account. If one bureau removed everyone has to follow! I threatened to send my certified mail stamps and documentation to CFPB and they finally removed the accounts but the accounts reported right back on my account! These accounts need to be removed, If these accounts are not removed. I will use my documentation and the law to pursue remedy for each violation which is well over {$XXXX} that I have counted in this last year since each violation is worth {XXXX}. I never authorized any credit bureau to furnish a report on my behalf so you are committing identity theft. This is my last time contacting your bureau in good faith. 
If they are not removed, I will no longer extend my credit or allow Equifax, to furnish a report for me. I would like to state that pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reports. By Equifax, allowing these inaccuracies to be furnished on my consumer report it has cost me to lose confidence in the banking system. If Equifax, and XXXX wants to continue doing business with me they should delete this inaccurate from my consumer report like XXXX has.
Complaint sub-issue: Trouble with how payments are handled

Submit a request to loan servicing company to apply excess payment to principal. Request was denied as it was against policy.
Complaint sub-issue: Debt is not mine

A company claiming to be Macy 's debt collection service continues to call from XXXX -- XXXX saying I owe money. I have not charged anything on a Macy 's account.