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

On XX/XX/ I send a registered mail letter to credit bureau they have not responded. Second letter XXXX XXXX see attached
Complaint sub-issue: Information belongs to someone else

On XX/XX/2022, I sent a formal complaint and dispute letter notifying XXXX of an inaccurate account showing on my credit report file. Under FCRA section 609 XXXX had 30 days to investigate and either verify and validate the account or remove it from credit file. XXXX has now exceeded and surpass the designated time frame given under federal laws and FCRA guidelines. The account in question is as Follows XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I HAVE BEEN A VICTIM OF IDENTITY THEFT ABOUT THREE TIMES IN THE LAST FIVE YEARS AND HAVE ALERTED THE CRA. THERE HAS BEEN NUMEROUS FRAUD ALERT PLACED ON MY CREDIT FILE DUE TO THIS. MY MAIN PROBLEM WITH THE CREDIT REPORTING BUREAU IS THAT THEY HAVE REFUSED TO DELETE THE ENQUIRIES EMANATING FROM THESE FRAUDULENT ACTIVITIES.
I CALLED ALL THE BANKS AND OFFICES THAT ACCESSED MY PROFILE ABOUT THE UNAUTHORIZED ENQUIRY. I HAVE ALSO ASKED INFORMED EQUIFAX FOR A DELETION OF THESE ENQUIRIES WITH NO SUCCESS.
FIND BELOW THE INFORMATION OF THE UNAUTHORIZED ENQUIRY : 1. XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2.XXXX XXXX  XX/XX/XXXX 3.XXXX XX/XX/XXXX ( Bank can not find any record of this inquiry ) 4 Name of Company Date of Inquiry XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX 5XXXX : XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Debt was paid

I was admitted to the hospital and was never sent a bill before the amount was sent to collections. Once it was sent to collections i paid the amount due but they refuse to show a paid collection or remove the item from my credit report so it still shows a large balance for a collection thats been paid.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

While checking my most recent credit report, I noticed credit inquiries that I did not authorize. I did not authorize anyone employed by these companies to make any inquiry or view my credit report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with Fair Credit Reporting Act, the following Accounts Have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Reporting company used your report improperly

Equifax got hacked and from the website they set up, it looks like I potentially got affected. I am displeased and am trying my best to get myself protected with credit freezes ( and additional monitoring of any identity theft ).
Complaint sub-issue: Public record

I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. 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 " Means Test ''. I am a XXXX and under Public Records Law no agency may divulge my personal information for commercial use. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. 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: Information belongs to someone else

I have absolutely no idea what these accounts are, I have never opened a account with this creditors and want this removed. I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts.
Complaint sub-issue: Contacted me after I asked not to

I am constantly being bothered and harassed by a company called  True Accord!!!!  The guy named  XXXX  called me at work about a debt I know nothing about requesting credit card information. I advised him I could not talk he called my job.     After that I have received calls on my cell phone and I receive at least  XXXX  emails from them a day. They are being very aggressive and threatening to sue me if I do n't resolve the matter before   XXXX   XXXX       I have received  XXXX  emails from the following individuals below just in the month of  XXXX  and today is only the  XXXX !!!     I have received emails from  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  They also said they are called  XXXX   XXXX
Complaint sub-issue: Problem with rewards from credit card

Hard to deal with US Bank. Have multiple issues. First, in XX/XX/2019 US Bank was running promotion promising {$15.00} credit for {$75.00} but never received. Contacted the bank rep who admitted they had problems with the offer and promised a resolution would be mailed to me. In few weeks I got letter explaining {$10.00} and some change was the bonus ( it was supposed to be {$15.00}??? ) and I thought it was a credit from a promo running BEFORE XXXX. 

Now, have applied for a new card on XX/XX/XXXX. Still waiting for the card in the mail. Meanwhile getting bombarded with email and calls daily asking to activate the card ... which I did not receive and when calling customer service they just revolving around " what your credit card # '' question. How would I know if I did not receive it? You should ask yourself why instead? It had been 2 weeks since ...
Complaint sub-issue: Problem accessing account

Through a sophisticated and complex scam on XXXX XXXX, where the perpetrator was able to garner all of our private information ; Citibank transferred {$2000.00} from our savings at Citibank to an account the crook set up at XXXX. The scammer was able to breach Citibank 's own site with a number to call the fraud dept. It's a long story ; but the long and short of it was : We froze our acct. as soon as we realized what was happening. We filed a dispute on the {$2000.00} withdrawal. We were told to open a new account and have the rest of our savings transferred into it from the existing compromised account. The Citibank fraud dept. replaced the {$2000.00} as well ( that was good ) ; but now we, after 20 hours + on the phone with customer rep after customer rep who could not get us access to our own account have given up on the phone contact. We did not realize that Citibank only has a brick and mortar location in 12 states. We are in WA state. The nearest Citibank location is about 1,000 miles away in CA or NV. We deal with 2 other ( local ) banks and had no problem changing those accounts and accessing the new accounts with our new usernames and passwords. After giving up on the phone contact ( which seems to be routed to a foreign county with reps we can not understand, and don't know-or care-about what to do ) we have taken to sending certified letters asking as to how we might access our own account. This has been going on for over 5 weeks. The FTC and XXXX XXXX Sheriffs Fraud dept. have been notified.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/XXXX Square Capital LLC conducted a hard inquiry against my credit history via XXXX. I have no business, nor ever had business, with Square Capital LLC and immediately notified Square Capital LLC on XX/XX/XXXX requesting details regarding their hard inquiry. They would not provide any details regarding the inquiry. I opened a case with them for details on the query against my credit history and indicated it could be fraud. Despite XXXX ( XXXX ) follow-up emails and phone calls to Square Capital LLC no onXXXX will provide me any details nor will they remove the hard inquiry from my credit history.
Complaint sub-issue: Their investigation did not fix an error on your report

The credit bureaus continue to report inaccurate items after there investigation. im attaching supporting documentation with all information.
Complaint sub-issue: Debt was result of identity theft

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX. XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWARE THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA AN ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGANIZATION BELOW : CC : XXXX XXXX ASSISTANT DIRECTOR OF ENFORCEMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSIT INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : XXXX XXXX XXXX  CC : STATE REGULATORY AGENCY
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I found these unauthorized inquires on my credit report. 
XXXX  XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Credco XXXXXX/XX/XXXX Credco/XXXXXXXX XXXXXXXX  XX/XX/XXXX Credco XX/XX/XXXX
Complaint sub-issue: Talked to a third-party about your debt

I am late on my payment from the XXXX and they reached out to one of my references and indicated I was late on my loan payment to them. When I called and asked XXXX, the collector not to contact my references her response was thats my job I know that the requirement for collecting can be contacting my references- if I dont respond and they can ask to get in touch with me- but she shouldnt be violating the law by telling them it is in regards to a delinquent loan payment.
Complaint sub-issue: Account information incorrect

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for I purpose. XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

I have submitted disputes to you and I didn't get a response within 30 days and y'all are required by law to do so. Please investigate my disputes. Please. Thank you.
Complaint sub-issue: Frequent or repeated calls

Repeated calls and states I have a debt. Will call at work, cell phone for work and home phone not stop fromXXXX to XXXX. Need to stop the calls and send me a letter instead
Complaint sub-issue: Don't agree with the fees charged

I called Mohela about my parent plus loans to see about loan forgiveness status put on hold sent to representative XXXX asked if my loan had to be consolidated to qualify. She said yes and asked some questions told me it would cost {$790.00} to do this. Said I needed 2 weeks paystubs and XXXX form. Had me go to my FSAide acct change my password so they could do the paperwork. I faxed forms they asked and have heard nothing. I tried to call the number see gave me if I had questions. It is no longer in service. I called Mohela today when I got a letter stating they were carrier of loans and need to start repaying XX/XX/23. I'm think why is it showing 3 loans and no consolidation. Representative said we don't charge and have no record of you being transferred. I said I was and what transpired. She told me to call XXXX to see if they had can acct for me to see if legit or scam. They said can see they are processing consolidations buy not my server and couldn't help me about the fee charged. I was told should not of been charged. My bank statement says XXXX XXXX {$790.00}. I am going to call then tomorrow about who took money if they have address or number. I was told to report here and change my fsaid password. I still need to call student.gov to report this also. I can't afford to lose {$790.00}.
Complaint sub-issue: Reporting company used your report improperly

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Please update my name to : XXXX XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Complaint sub-issue: Debt is not yours

XX/XX/XXXX Sent a letter to the 3 credit bureaus to remove a debt from Hunter Warfield Inc. off of my credit report and provided supporting documentation. 
XX/XX/XXXX Made a payment in error due to a mistake and trying to clean up credit report to move into an apartment immediately. 
XX/XX/XXXX XXXX and XXXX sent me a letter stating that Hunter Warfield Inc. was deleted from my credit report based off of the letter and supporting documentation I sent to them. 
XX/XX/XXXX I emailed Refund Request for Payment to Hunter Warfield Inc. and provided supporting documentation that the payment was made an error. 
XX/XX/XXXX I faxed Refund Request for Payment to Hunter Warfield Inc. 
XX/XX/XXXX I called for Refund Request for Payment to Hunter Warfield Inc. and requested verification letter. I was informed by the Supervisor that they were waiting on a response from the original company and needed an answer from the client. 
XX/XX/XXXX Hunter Warfield Inc. emailed need me stating " in need of additional time to conduct an investigation. As soon as we have a response from our client, we will complete our investigation and promptly forward our response and any applicable documentation to your attention. " XX/XX/XXXX Hunter Warfield Inc. emailed verification letter. 
XX/XX/XXXX I emailed requesting for an update on the status of my refund. 
XX/XX/XXXX I emailed requesting for an update on the status of my refund. 
XX/XX/XXXX I emailed requesting for an update on the status of my refund. 
XX/XX/XXXX Hunter Warfield Inc. emailed need me stating " in need of additional time to conduct an investigation. As soon as we have a response from our client, we will complete our investigation and promptly forward our response and any applicable documentation to your attention. 
XX/XX/XXXX Hunter Warfield has received the resolution to your dispute and we are unable to process a refund due to the fact that you voluntarily paid the account. The deletion from your credit has already been processed and if you have more questions regarding the process, please contact the credit bureaus for further assistance. 
XX/XX/XXXX I informed Hunter Warfield Inc. that I will be contacting a lawyer and the federal trade commission in regards to this matter wrongfully practice.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Citicank is stating that I have an account ending in XXXX, but I have no records of this account and it is not showing up in my Citibank website. I have called Citibank multiple times to try to resolve this but they have not sent me any information on this account. I have requested them to sent me all documentation showing how & why they believe this is my account. I told them I don't have any problem paying, but there is no statements, billing, nothing on this account. This has been going on since XX/XX/2018 when I first called them about this. I have also, called XX/XX/2018, XX/XX/2018 & XX/XX/2018 about this account and requested statements, documents, etc on it but have not received anything on it. Citibank reps have called me only to request payment on this account, and I again requested the information but have not received it.
Complaint sub-issue: Can't decrease my monthly payments

I have been trying to enroll in an income based repayment plan for 2 months. The first time I tried the loan company said they needed my tax information when typically in the past they electronically obtained it. This year, ironically I had to submit the document by mail, email or fax. I faxed the information and they wrote me telling me they could not enroll me in a program because they did not receive tax information. So I resubmitted an application to enroll in the plan and they said I was approved but told me I needed to fill out the, application again! My  XXXX  payment is due on   XXXX   XXXX   and it appears as if they are stalling me on purpose to ensure that I reach repayment status and end up in default. I can not afford to pay {$2000.00} in repayment. This is unfair to me as a borrower. I am depressed and going to see a psychiatrist because of this issue. This will ruin my life and I will certainly be in default by the end of the year if I can not enroll in this program.
Complaint sub-issue: Not given enough info to verify debt

XX/XX/2016 I sent a letter form to JVS Group requesting information about a debt that was on my credit accounts. I requested information regarding the alleged charges, who authorized them to collect, amount allegedly owed by me. I did not receive the requested information to this date of writing. However I did receive a very rude and obnoxious letter from them telling me not to contact them again and they sent out the verified information, which is incorrect. I have not received the information that I requested from them. I will attach the letter I received from this company along with this complaint.
Complaint sub-issue: Information belongs to someone else

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and Equifax Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : 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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$370.00} XXXX XXXX  XXXX Balance : {$5100.00}
Complaint sub-issue: Account information incorrect

XXXX Equifax and XXXX has cause me a lot of pain and grief due to wrong information on all three credit reports. I have accounts that should be closed with XXXX balance owed for XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Because these three credit reporting agencies has caused me not to be able to get credit. In the beginning I had a XXXX Credit Score now my Score is XXXX. 

I want all three credit reporting agencies to correct my Credit Report so I can get the Credit I deserve. 

Waiting for your reply. 

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

Im accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
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 15 U.S.S 1681 ( a ) ( 5 ) section : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedated the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite the several written requests that I had sent, there were no changes done on my credit report that I had previously disagreed with. This is unacceptable on my part since I am planning to take up a new credit soon and these items are hindering me from getting new credit. 

I have tried to dispute the late payments and I have not been successful. 

Account : XXXX XXXX XXXX  XXXX {$49000.00}
Complaint sub-issue: Information belongs to someone else

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to XXXX 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions
Complaint sub-issue: Deposits and withdrawals

PNC will not allow me to transfer funds into online banking apps.