Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. XXXX XXXX - XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$1700.00}, XXXX XXXX XXXXXXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$25.00}.
Complaint sub-issue: Called before 8am or after 9pm

Step 1 : What is this complaint about? Regional Acceptance has continued to call me daily. They called me at XXXX pm and when asked why they are calling so late they will hang up the phone. This is not the 1st time that they have harassed me during sleeping hours.
Complaint sub-issue: Their investigation did not fix an error on your report

I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reported accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX
Complaint sub-issue: Was not notified of investigation status or results

On ( date ) I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not revived a response yet. I feel that I am being taking advantage of and being ignored of my disputes. Section 611 ( a ), it is clearly 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 litigation due to the stress you caused me. My information was also impacted by equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Charged too much interest

I have two accounts with Citi card that I have had issues with for years. I recently paid off both cards and am still getting a bill for just over a hundred dollars on each. I have confirmation numbers from choosing to pay off the entire balance but Citi cards is just trying to continue to take money from me. They have impossible to use customer service and I have spent hours trying to get someone on the phone. They outsource their customer service to other countries and when you finally do get someone you are not able to get your issues resolved because none of them have the ability to actually do anything. So I paid thousands of dollars to get out from underneath these two cards and they are still making sure I can't. I need help.
Complaint sub-issue: Fee problem

Far past two years, Citi bank charged me {$12.00} a month fee. Two years ago they told me I should have a direct deposit into my citi bank account and that will waive any monthly service fee. So I set up a direct deposit. Today I noticed they have been charging me fee s for over a year. When I called ( XX/XX/2020 ) they said '' You should have a bill pay as well to waive the fee. My argument was that '' about two years ago you said I should have only direct deposit but now you are asking me to pay bill through your website? She said " Yes. Although I pay Citi credit card bill through my Citi checking account but that does not qualify for them. Two different answers by two different individuals. One of phone agent said " go ahead and complain but I am not giving you any refund, this is our policy ''. Citi bank needs to disclose all fee info to their customers and get their consent. I am hopeful that CFPB will resolve my issue with Citi Bank.
Complaint sub-issue: Don't agree with fees charged

Charged by XXXX for XXXX semester ( XXXX 2004 ). I was n't allowed to attend that semester by the XXXX at the time due to lack of finances on their record. Or at least, that what I was informed. I did not attend classes because teachers also did not have me n their rosters. When I attempted to attend classes when the semester began, I was directed to financial aid where I was then told I did not have the finances. Only to be charged in later years for the loan for that semester when I was no longer attending school. I have accumulated delinquencies & am now paying debt on a loan I never received.
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it XXXX that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I called Equifax want times and trying get a item removed from my credit file and they took more than 30 days and it still remains on my credit file and they refused to remove it and they have a police report on there system so I called today on XX/XX/2019 and they refused send me a credit report and gain access to my credit file and told I need top send in some documents which I already did back in XXXX ... and I have two fraudulent accounts which is XXXX XXXX card services and XXXX XXXX card and I provided a police report back in XXXX and Equifax refused to accept it and I haven't gotten a credit report from them ....
Complaint sub-issue: Information belongs to someone else

XXXX  CONTINUE TO VIOLATE " FCRA '' SECTION 604, 605,607, 609 AND 623 ( a ) with reporting accounts not mines and sent in letter and document proof 2x from creditor stating the same to remove accounts errors from credit file " NOT MY ACCOUNTS '' ... '' XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX '' ... REMOVE ALL FRAUD ACCOUNTS
Complaint sub-issue: Information belongs to someone else

Equifax and XXXX  have failed to acknowledge my dispute and correct my credit report. XXXX has failed to acknowledge my dispute by continuing to send a copy of my credit report, oppose to verifying my disputed and violating my rights under the FCRA.
Complaint sub-issue: Investigation took more than 30 days

I am requesting your assistance in the verification of the removal of the disputed data from my credit report I feel that this account are adversely affecting my credit report and costing me thousands of dollars this year. This is not a regular dispute and I have also filed a complaint with the federal trade commission and the better business bureau because to my knowledge I do not recall any of these accounts. I would like my problem fixed. The process has already done enough damage and I would like this issue fixed at once.I have sent not one but two letters without any proper indication of results. These accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report and it has been over 60 days so they should be deleted promptly Please send an updated credit report as proof that these items have been removed.I also had several unauthorized names and addresses on my credit report that needs to be now. I am hoping you will resolve this matter without the need for unnecessary complaints and litigation. Thank you for your attention to this concern.
Complaint sub-issue: Frequent or repeated calls

since XXXX/XXXX/2015 ( DYCK O'NEAL Keeps calling, I get a call everyday to every other day to maybe XXXX days. I have a print out of the phone calls coming in. I have them blocked on phone because it happens so much.
Complaint sub-issue: Was not notified of investigation status or results

On ( XX/XX/2021 ), I wrote a letter informing the bureaus of inaccurate information on my credit report. Now to date over 30 days later I still have not heard back from them and feel like I am being taken advantage of. It clearly states in Section 611 ( a ) that after 30 days any items on my report not verified must be removed indefinitely. They have failed to do so. I demand that these items are removed immediately, if this matter is not handled I will be forced to push this matter into litigation due to the trouble I am having with this situation. My information was also impacted by the equifax data breach a while back so my information could be in the wrong persons hands.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to delete this inaccurate information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXBalance : {$560.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXXBalance : {$180.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXBalance : {$440.00} XXXX XXXXBalance : {$1400.00} XXXX XXXXBalance : {$1200.00} XXXX XXXXXXXXBalance : {$2500.00}
Complaint sub-issue: Public record information inaccurate

Dear Consumer Finance, My name is XXXX XXXX XXXX. 

I recently, obtained a copy of my Equifax Credit Report for XX/XX/2018. I notice on my credit report that, XXXX / XXXX had stated that, the courthouse verified my bankruptcy at the Court house. So, I written to the court house to confirm the information about the " verification '' made by XXXX / XXXX statement on my Equifax Report. 

See attached Documents A week later, I received a letter responding back to me saying this -- " Please be advised that the U.S. Bankruptcy Court is not responsible for verifying or validating information from consumers ' credit files ''. The letter, also went on to say -- " As indicated on the Court 's website, the Court receives many telephone calls about bankruptcies unfairly appearing on consumer credit reports. 

The Court does not report bankruptcies to the credit bureaus and does not get involved in disputes regarding credit reports. The Fair Credit Reporting Act ( 15 U.S.C. 1681 ) is the law that controls credit reporting. '' I then sent a certified letter to ALL the credit reporting bureaus, XXXX XXXX, Equifax and XXXX  a copy of the letter from the court house to show them the evidence -- that the courts, do not verify information for credit reporting companies. 

I asked the each credit bureau to " remove the information - that is incorrect, untrue, mis-leading or false, " they are reporting on my social security number. I also so told them -- by law the Federal Law they are in violation of the Fair Credit Reporting Act - Section 623 ( a ) ( 3 ). 

I have written to asked them to remove the fraudulently information from ALL my Credit Reports. Please assist me in correcting the information on ALL my credit reports, XXXX XXXX, XXXX and Equifax. 

Sincerely, XXXX XXXX XXXX XXXX, See Attached documents.
Complaint sub-issue: Don't agree with fees charged

This was previously submitted and I received my XXXX control number meaning that you have received all of my articulate and lengthy response. My case number is XXXXfor some reason no matter how many times I have. Submitted my responses I am prevented by this website to proceed with the remainder of the form. If consumers can not submit serious issues. Through you site efficiently then we have no way to submit our very serious violations
Complaint sub-issue: Debt was result of identity theft

There is a collection account for XXXX XXXX that was opened in XXXX of this year for {$910.00}. I did not open this account. I have AT & T. This was fraud. I'm asking for the removal of this collection account. Thank you.
Complaint sub-issue: Debt is not yours

XXXX XXXX XXXX XXXX I owe {$45.00}. I believe that this is not my debt. CSO Financial , Inc., the debt collector, claims that I owe this money.
Complaint sub-issue: Information belongs to someone else

I decided to get my credit pulled due to a bill XXXX collections 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.
Complaint sub-issue: Reporting company used your report improperly

XX/XX/2019 I notified Equifax of the discrepancies stating my accounts were pays as agreed, however still listing as negative info. On XX/XX/19 I received an alert from XXXX XXXX in regards to an inquiry, I then contacted XXXX XXXX who is unable to validate a request came in on my social security number, After reporting this to Equifax, they have lowered my credit score while updating comments that were inaccurately reporting on their behalf to begin with. I seek immediate remedy and resolve in this matter as Equifax & XXXX XXXX who denies any involvement, is in violation of the Fair Credit Reporting Act & Fair Debt Collections Practices Act, 15 USC 1692g Sec.809.
Complaint sub-issue: Funds not handled or disbursed as instructed

XXXX rented from XXXX for {$150.00} on XXXX and returned for full refund the same day. As of XX/XX/2021, the funds have still not been returned.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There are unauthorized inquiries on my Equifax credit report. Situation was brought to credit bureaus attention with no resolve. My consumer rights have been violated.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020 I sent a letter regarding in accurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet so my concern seems not a priority. I feel as though Im being taken advantage of as well as ignored of my disputes. Section 611 ( a ), it plainly states that the Failure to investigate these items within 30 days gives a reason to immediately remove these from my credit report its been over 60 days so they should be deleted promptly. I demand these accounts to 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 XXXX have gotten into the wrong hands.
Complaint sub-issue: Was not notified of investigation status or results

I have contacted XXXX XXXX XXXX via Validation of debt letters and via phone call to ( XXXX ) XXXX but have not received the validation necessary of leaving this erroneous account on my credit reports. Additionally, while the account is listed as a charge-off, they continue to increase the balance. I have attached the dispute letters sent to them along with the letters sent to the credit bureaus. I have not received the required verification for having the accounts on my credit reports and this erroneous account must be removed as XXXX XXXX XXXX  has violated the Fair Credit Reporting Act. 

Certified mail receipt number XXXX XXXX XXXX  XXXX
Complaint sub-issue: Card opened as result of identity theft or fraud

I found out I am a victim of identity theft, I contacted the company but they have yet to fix this fraud that has hurt me. Please see attachments. My ssn and dob are XXXX and XX/XX/1995.
Complaint sub-issue: Their investigation did not fix an error on your report

I am unclear why my equifax score is below 800 but my XXXX XXXX score is over 800. I pay my bills ahead of time and have no late or missed payments. My fica score is around 833. I dont know how equifax came up with this score.
Complaint sub-issue: Personal information incorrect

In XXXX, I sent letters to the three credit bureaus concerning incorrect addresses reporting to my credit report. The address since, has not been removed. Having such addresses report on my consumer report, and I do not live or have any affiliation with the listed addresses.
Complaint sub-issue: Fee problem

In late XX/XX/XXXX I got a letter in the mail to open account with them and get {$200.00} if I do a direct deposit and maintain a minimum balance. I had my check going into 2 banks already I added them in for {$200.00} to start with. It takes two 14day cycles to see your action. I month and a half I tried to log in and I could not because of the demands they ask to you put this and that before they will talk to you. With difficulty to get to talk to them or been able to log in. I was very much discouraged to make contact. Bank location was 10-15 miles from my home. I let it go since this account was meant to save only. I never withdrew any thing during its life. 

Some how I got into the account 2 months later and checked that the deposit was in. I increased to $ 1000+ a check. Then I left it alone till now when it has 32000 in it. When looked at it after that long they have charged me {$50.00} times 2 for low balance as maintenance fee when i did not have any activity in my account. I have never withdrawn from XX/XX/XXXX to XX/XX/XXXX. I asked them to at least refund my {$100.00} fee if they are not going to give me {$200.00} gift they were going to give. 

On XX/XX/XXXX I called and I was promised some one will call me back. I waited till Wednesday, Still no call back but I called they again took the message. Today XX/XX/XXXX, I called again and held on phone for 32 minutes and they still say that they cant help me. They call themselves privileged team for privileged accounts. 

I am going to the branch and close the account by XXXX today.
Complaint sub-issue: Information belongs to someone else

Hi, I XXXX XXXX mailed out on XX/XX/XXXX, XXXX XX/XX/2022 and XX/XX/2022 correspondences to Great Lakes Educational Loan services via certified with return label pertaining to the student loan debt listed on my credit report across all 3 bureaus. XXXX listed one of my student loans as charged-off and US Dept of Education is not responding in which the servicer Great Lakes is acting on their behalf as they serviced the loan. It's to my understanding I asked this company for the original instrument of indebtedness in return for full payment of these loans in which I will attach below. Till this day XX/XX/2022 I have not seen the requested documentation I have requested in direct and immediate exchange in which if they are able to provide this I will accept payment in direct and they have failed to provide anything pertaining to this document or speak about this in exchanges between us.
Complaint sub-issue: Reporting company used your report improperly

I have potentially been impacted by the recent Equifax security breach where millions of consumer 's private information was stolen.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # 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: Investigation took more than 30 days

My wife and I sent investigation requests to the credit bureaus in early XXXX. We have yet to receive our deserved responses.
Complaint sub-issue: Personal information incorrect

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. I need the following addresses removed from my credit report they are not mine : XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX FL XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX OH XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I created a dispute under the FCRA 15 US Code 1681 B that reporting agency did not have my written consent to publish such information and with no consent per 15 US Code 1681 C1 that is identity theft.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I've already spoken to Equifax as well as filed an complaint for each inaccurate inquiry that was wrongfully allowed on my credit report. Here 's the list of the unauthorized inquiries : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 
My credit report being updated and accurate is my right as a consumer. Please investigate this matter because my solo efforts have not produced any results.
Complaint sub-issue: Information belongs to someone else

XXXX XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$13000.00} Status Account charged off. {$13000.00} written off. {$13000.00} past due as of XX/XX/XXXX. 
XXXXXXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$7000.00} Status Account charged off. {$5800.00} written off. {$7000.00} past due as of XX/XX/XXXX. 
XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$9000.00} Status Account charged off. {$8900.00} written off. {$9000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$11000.00} Status Account charged off. {$11000.00} written off. {$11000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$11000.00} Status Account charged off. {$11000.00} written off. {$11000.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$52000.00} Status Account charged off. {$52000.00} written off. {$52000.00} past due as of XX/XX/XXXX. 




XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family quit removing the stuff XXXX  no one asked you to remove stick to the request nothing more!!!