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

On XX/XX/2021 I sent a letter regarding my rights that were violated on behalf of the consumer reporting agencies and it has been 60 days later and I have still not received a response. This is really disheartening and Im starting to feel like Im being taken advantage of and my disputes are being ignored. The law specifically states in Section 611 ( a ) that a failure to investigate these items within 30 days gives a reason to immediately be removed from my credit report and its been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the embarrassment of my reputation and the XXXX this has caused me.
Complaint sub-issue: Other problem getting your report or credit score

My credit score is wrong I should scores already because I don't see nothing on my reports.
Complaint sub-issue: Received bad information about your loan

I WAS APPROVED FOR TOTAL AND PERMANENT XXXX DISCHARGE OF MY STUDENT LOANS OF {$63000.00}, ON XX/XX/2020 BY XXXX AND THE DEPARTMENT OF EDUCATION. ON XX/XX/2020 XXXX REQUESTED THE TOTAL AMOUNT OF MY LOANS FROM FED LOAN SERVICING, NUMBER XXXX SO THAT MY STUDENT LOANS CAN BE PAID IN FULL. AFTER SPEAKING WITH XXXX ON XX/XX/2020, THEY STATED THAT THEY ARE WAITING FOR THE LOANS TO BE TRANSFER BY FED LOANS SERVICING. WHEN I SPOKE WITH FED LOAN SERVICING, THEY STATED THAT THEY ARE WAITING ON DEPARTMENT OF EDUCATION TO SEND OVER INSTRUCTION FOR THE PROCESS. XXXX CAN BE REACHED AT XXXX. EVERY MONTH FED LOAN SERVICING IS REPORTING TO THE CREDIT BUREAU THAT I OWE {$63000.00} TO THE DEPARTMENT OF EDUCATION FOR FEDERAL STUDENT LOANS. FED LOANS SERVICING CAN REPORT THAT I OWE, BUT WILL NOT TRANSFER THE LOAN AMOUNTS TO XXXX SO THAT THEY CAN BE REMOVED FROM MY CREDIT REPORT AS OWING PAYMENTS. FED LOAN SERVICING NUMBER IS XXXX. IT HAS BEEN SO CHALLENGING THAT THIS COMPANY WILL NOT COMPLY WITH THE SYSTEM TO REMOVE MY LOANS AND XXXX HAS THEIR CHECK IN THEIR HANDS? I AM BEGINNING TO VIEW THIS WITH A DIFFERENT LENS. MAY BE ITS BECAUSE IM XXXX AMERICAN IS THE REASON THEY ARE NOT RESPONDING TO MY APPROVED APPLICATION FOR TPD DISCHARGE ON XX/XX/2020.
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 XXXXXXXX Balance Owed : {$0.00}
Complaint sub-issue: Debt is not yours

I received a letter from FMA Alliance , Ltd indicating I have a balance due to them as a result of an unpaid balance with XXXX XXXX XXXX XXXX in the amount of {$290.00}. I sent a letter requesting them to validate the debt, as I'm unaware of any such debt. The request for debt validation was sent to FMA Alliance on XX/XX/2019 and has not been responded to.
Complaint sub-issue: Information belongs to someone else

These are not my accounts. I have never lived at the address where some rental place is saying. I am a victim of identity theft. I have provided my personal documents with my information and I can assure you that I am not a mortgage company nor am I a credit repair company.
Complaint sub-issue: Debt is not yours

On XX/XX/18, My wife and I went to the Best Buy Mobile store in XXXX, FL to change our cell phone service from XXXX XXXX XXXX to XXXX XXXX. At that time, we agreed with the terms to buy one XXXX XXXX and get the second one free. However, we couldn't finalize our contract due to a compudter problem. We were asked by the Best Buy employees to return the next day to complete our contract. When entering the Best Buy Mobile store on XX/XX/18, we were told that both of our new XXXX XXXX 's would be free due to the computer problem from the previous day. We were also told the the store would have to eat the cost ( {$690.00} plus tax ). Of course we agreed to the new terms. For 8 months from XX/XX/18, XXXX XXXX did not bill us for phones. In fact, they gave us a discount for bringing our new XXXX to the new XXXX XXXX Plan. Then on XX/XX/18, we added our daughter to our XXXX account. The phone she added was an XXXX XXXX, and was fully paid for. As a result, XXXX determined that we were not being charged for our XXXX XXXX 's, and backed billed us {$480.00} in XXXX. Before this, we were paying {$60.00} or less for our two lines. I was a bit upset that we were to pay for phones that we were told were free by Best Buy. I called XXXX XXXX several times about this, and finally talked to XXXX corporate ( Mr. XXXX, phone # XXXX ). He told me that XXXX needed reimbursed, and since Best Buy Mobile made the mistake, that they needed to give us a credit, or that they needed to pay XXXX. Then I contracted Best Buy at XXXX about what happened. Best Buy started a file ( XXXX # XXXX ), and referred me to there supervisor XXXX XXXX. For 2 1/2 weeks we emailed numerous times. Thru our emails, she told me that Best Buy Mobile mis-coded our phones as being unlocked. It is now my understanding, that after 8 months of not paying for our phones, that we are to pay 100 % for there mistake. I don't think this is not good business practice, and is why we're asking for help. We previous submitted this same complaint to the Federal Trade Commision, but they recomemded to send our complaint to you. We told Best Buy that honest mistakes do happen, and would be willing to pay something. It seems to me, if a codeing error was made, that it would have been a simple fix. Best Buy Mobile employee are experts when it come to mobile phone, why would they just say there was a computer error, and say our phone were free. If you need any additional information, I'm available. XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX, phone # XXXX
Complaint sub-issue: Reporting company used your report improperly

Recently while conducting a monitor of my credit report I discovered that XXXX XXXX has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware there is a debt from XXXX XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPAA authorization.

1. Please provide breakdown of fees including any collection costs and medical charges 2. Provide a copy of my signature with the provider of service to release my medical information to you.

3. Cease any credit bureau reporting until debt has been validated by me.

4. Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA.

Please note that falsification of the information you received from any medical provider can be perceived as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.
Complaint sub-issue: Their investigation did not fix an error on your report

Fair Credit Reporting Act 15 U.S.C. 1681b Ignorance of the law is no excuse!

I am the natural person consumer and original creditor.

I am evoking my specified remedy as the consumer and original creditor and I demand your company to remove and delete all negatives/ collections from My Consumer Report.

Your company is governed by the Fair Credit Reporting Act and must abide by the laws set forth and 15 U.S.C. 1681b permissible purpose of consumer reports.

( A ) subject to subsection ( c ), any consumer reporting agency May furnish a consumer report under the following circumstances and no other : ( 1 ) in response to the court order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with Section 5318 of Title 31 or section 3486 of Title 18.

( 2 ) in accordance with the written instructions of the consumer to whom it relates. 
This 100 % cruise I am the consumer and original creditor and I have not given my written instructions to your company to furnish any information on my consumer report and I demand a full removal and deletion of all negative accounts. 
I know my rights as a consumer and your company is in violation of my right to privacy. Failure to respond satisfactorily with deletion will result in legal action against your company for which I will be seeking {$1000.00} per violation. 
I am the consumer and I have a right to privacy and my Consumer Report is not public record. As well the Fair Credit Reporting Act makes it clear your company can not furnish public information without my written instructions. I demand you to stop infringing on my right to privacy and delete all negative and collections from My Consumer Report immediately.
Complaint sub-issue: Account information incorrect

I am currently reaching out to the CFPB for help regarding an account with XXXX XXXX that hat has caused me severe XXXX economic and XXXX problems. In XXXX I spend XXXX dollars with XXXX and paid it back without a problem, in XXXX my business was disrupted because of covid and I was closed down unexpectedly. This caused me to miss 3 monthly payments with XXXX. I reached out to XXXX explaining my problem, and requested a payment plan but was denied that option. In XXXX a member of management from XXXX reached out to me and after learning of my situation, transferred me to a Claims Specialist to further assist.. The specialist went over various options, so I chose the more affordable for me. I am attaching a copy of the agreement with this complaint. I was promised no interest and no late fees, and a report to the credit bureau. After making 3 monthly on-time payments XXXX promised to reinstate my account. 
This agreement has been breached by XXXX. I have gotten charged interest, and late fees, and incorrect information has been submitted to the credit bureau. Thius has caused me a great number of problems, including a decrease in my credit score. I have tried getting this fixed on more than 12 occasions, including 4 with XXXX, but XXXX refuses to correct the information. This company is abusing its power and is breaching its agreement with me. The negligence of XXXX XXXX has caused me the opportunity to qualify for a loan that would have saved my business and home. 
XXXX has shown no mercy and has refused to correct the error. XXXX has automatically deducted the payments from my checking account and refused to report this to the credit bureau. I need help against this monster of a company that has caused me so much pain and suffering.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/21 I purchased a used car from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MN, XXXX. Their phone number is XXXX. I wrote a check for payment-in-full for the vehicle, and was told the only way they could accept a check was if they ran a credit report, and that the credit report had to be over 700. They could have called the bank for confirmation of funds or asked for a cashiers check but the did not. I don't know why they had to run a credit report when I wasn't taking out a loan, but the said they did. I ended up with a 55 point drop in my credit score for a credit inquiry that didn't need to be run!
Complaint sub-issue: Information belongs to someone else

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. This needs to be removed or I will file a lawsuit.
Complaint sub-issue: Investigation took more than 30 days

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 The credit reporting agencies were given 30 days to produce all verifiable documents of this account on XX/XX/2021 in accordance with the statue 609 FCRA. That was 107 days ago. 
And now they are wanting another 60 days?? 
I believe my rights are being violated in accordance to the 611 and 623 FCRA. 

At this point, without verifiable evidence, the am ex account must be removed from my report immediately! It is affecting my ability to get a mortgage.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax, XXXX and XXXX have all but ignored my requests for actual proof that the accounts belong to me and that I am the person who made the charges against my accounts. Each credit services company refuses to show me how they have verified information on my credit report, who verified the information and who reported the information to them. In addition they have refused to provide me with a copy of the original signed credit request in accordance with the fair credit reporting act. I have been fighting with them since XX/XX/2014 against 4 bad reports on my credit report and they refuse to budge or work with me. In addition to this, instead of going directly to the creditors, they are using 3rd parties such as XXXX XXXX to verify the accounts which is again in direct violation of the fair credit reporting act.
Complaint sub-issue: Account status incorrect

XXXX XXXX was charged off without giving me a creditor to pay or contact. Now, I have a negative item I am unable to remove or pay. Please remove.
Complaint sub-issue: Their investigation did not fix an error on your report

I immediately checked my Credit Report to see if the previously disputed accounts were already corrected, but to my disappointment, the Credit Bureaus have not yet corrected my Credit report. I previously sent a letter last XX/XX/2022, requesting that the Credit Bureaus investigate and correct the information being reported by some accounts on my Credit Report. I investigated my Credit Report and notice the following : a ) there are accounts being reported as late even though the accounts have never been updated and the balance is XXXX ; b ) the Accounts being reported as charge offs still indicates its balance, as far as I know, charge off accounts should no longer report balances on a credit report ; and c ) there accounts that are removed or not being reported on some of the Credit Reports and it makes me wonder why do some of the Credit Bureaus still indicate the removed accounts? I came to a conclusion that to correct my Credit report, the Credit Bureaus must remove the accounts reporting erroneous information on my Credit Report. Once again, I am requesting the Credit Bureaus to please remove the following erroneous accounts if the Credit Bureaus are not able to verify them for themselves : XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} DEPT OF ED/XXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF ED/XXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00}
Complaint sub-issue: Attempted to collect wrong amount

On XX/XX/XXXX ... Procollect Inc placed a debt from XXXX XXXX XXXX for {$6700.00}. 
XXXX XXXX XXXX # XXXX, XXXX, TX XXXX XXXX. 

I have called them repeatedly and requested proof of this debt because I left the apartments in XXXX, the property manger refused to complete a walk through to verify the 2-bedroom apartment was left in great condition. Now in XXXX, the rudest collection agency is harrassing me over a debt I never knew I had. I visited a non profit credit counseling agency to get help with this company and refused to talk to the authorized 3rd party advocate. They are bullying me for this debt that they refuse to verify. 

Why do I owe {$6700.00}? Why is this on my credit report and why wont they send me proof? This collection agency does not have a license to do business in the state of TN and Im reaching out because I can't seem to get anywhere with them.
Complaint sub-issue: Billing problem

I Consumer XXXX XXXX, Sent a notice of billing error pursuant to 12 CFR 1026.13 to Ally Financial to their financial Disputes, address that is listed on their website at Ally Financial INC. XXXX XXXX XXXX XXXX, MN XXXX. On XX/XX/2021 I have noticed several billing errors in the truth in lending disclosure section of the " Retail Installment Contract and Security agreement ''. The first one being the number of payments as well as the number of payments seems to be inaccurate on the payment schedule. 16 CFR 433.1 ( d ) which describes a purchase money loan in regards to the truth in lending disclosure as defined as " A cash advance which is received in return for a finance charge within the meaning of the truth in lending act and regulation Z, which is applied in whole or substantial part, to purchase of goods or services from the seller who ( 1 ) refers consumes to the creditor or ( 2 ) is affiliated with the creditor by common control, contract, or business arrangement. '' Under Regulation Z also known as the truth in lending the itemization of payments should mirror the finance charge amount as it is the dollar amount the credit will cost me. '' The next Billing error is the downpayment on the itemization of the amount financed. The {$3000.00} downpayment placed under section f which refers to net trade in is a violation of 7 CFR 1436.10 ( c ). The downpayment may not include any trade in, discount, rebate, credit, deferred payment, post dated check, or promissory not to the supplier or contractor. The next Billing error can be seen on the amount of credit provided to me or on my behalf. There is no authorized representative other than the appointed attorney in fact by the consumer to receive any credit on the consumer behalf of the consumer. I am demanding additional clarification including documentary evidence of the procedures used to come up with these itemized amounts in accordance with Generally Accepted Accounting Principles ( GAAP ). These billing errors are assumed to be a willful intent to mislead me the consumer and or to deceive me the consumer of the character/ amount of the alleged debt pursuant to 15 USC 1692e. All obligations and securities are owed to the United States Pursuant to 18 USC 8. DO NOT hinder nor delay the delivery of the consumer goods associated with the transaction.
Complaint sub-issue: Their investigation did not fix an error on your report

I have closed accounts on my credit report from more than 7 years that the credit bureaus will not remove. I also have credit accounts on my credit report originating XX/XX/XXXX even though I was born in XX/XX/XXXX. 

XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XXXX XXXX  XXXX : XX/XX/XXXX
Complaint sub-issue: Account status incorrect

These two companies were filed on a bankruptcy and not removed from my credit report : 1. Judgement case -- Case # XXXX Filed -- XX/XX/XXXX Amount -- XXXX XXXX -- XXXX XXXX XXXX -- XXXX XXXX XXXX Court -- XXXX Circuit Court, XXXX XXXX 2. Judgement case -- CASE # XXXX Filed -- XX/XX/XXXX Amount -- XXXX XXXX -- XXXX XXXX XXXX -- XXXX XXXX   Court -- XXXX County Court ( XXXX ) XXXX XXXX Both cases were filed with a bankruptcy and granted at : Bankruptcy Chapter XXXX -- DISC Case # XXXX Filed -- XX/XX/XXXX Lact -- XX/XX/XXXX Attny -- XXXX XXXX XXXX XXXX -- ( XXXX ) XXXX   Court -- Federal District Court Cases # XXXX and case # XXXX   are still on my credi report and need to be removed so I may purchase housing.
Complaint sub-issue: Application denied

This complaint relates to the completely unsatisfactory handling of complaint # XXXX by Citi Bank. Please refer to this this complaint and the documents I attached to it.
1. They sent me a letter requesting further info. However, due to the fact that I travel for work it may take up to three weeks for me to respond to anything sent to me by 'snail mail '.
2. Regarding the further info they requested : a. I DO NOT know the precise date of the incident. I believe that it was sometime between mid XX/XX/XXXXto the beginning of XX/XX/XXXX.
b. I DO NOT believe the person taking my application actually submitted it. He just said I was declined and did not even offer a reference number. This is probably why the company has no record of it. I did not even think of asking him for a reference number at the time.
c. I DID provide my social security number to the Citi Bank representative I spoke to regarding the complaint ( XXXX XXXX ). But as I said. I DO NOT believe the representative taking my application actually submitted it. Due to this, my social security number will be of little benefit in locating the application.
3. Everything in the original complaint still stands. This includes my proposed resolution. I thought that Citi Bank would be a little more responsive in settling this matter without me seeking legal counsel.
The best way to reach me due to the limited access I have to my ground mail is via email. XXXX If it is necessary to call me please leave a DETAILED message regarding the info requested. This will prevent us having to play phone tag. I can then leave a detailed response via voicemail if no one answers.
Thanks XXXX XXXX
Complaint sub-issue: Public record information inaccurate

My bankruptcy info is not accurate, My case # is incorrect and my discharge date, I will like this be removed for inaccuracies.. Thanks
Complaint sub-issue: Problem with personal statement of dispute

I have disputed 2 medical charges that ended up on my credit report with all 3 credit bureaus. XXXX   and XXXX have responded and stated that I was correct and these were not my bills nor could have provide valid proof and they have removed these from my credit record. Equifax on the other hand keeps saying that the charges are valid and will not remove nor prove signature they are mine. I show proof of ID and sign EVERY time I get anything medically done. Equifax has dropped my credit another XXXX points yesterday because of this and it is truly aggravating and destroying my credit that I have worked very hard on. Please show valid proof or remove these from my credit and store my points XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX {$240.00}
Complaint sub-issue: Public record

This public record is more than seven years old and is not mine. It is with Equifax and I can not seem to get it removed. I keep getting the run around. The account is with Unifund for the total {$16000.00} of Public Record Details Docket Number with XXXX XXXX, TN XXXX Court Status Pending Amount {$16000.00}. 
I need to have them remove it from Equifax immediately.