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

I first reached out to bank XXXX, XXXX XXXX, after he sent letter threatening to charge me late fees despite the financial hardship I was experiencing due to covid lockdowns and a sudden onset of congestive XXXX XXXX and XXXX XXXX later discovered was causing the congestive XXXX XXXX. I made many good faith attempts to settle alleged debt with other means. With no luck there, I then asked the bank to validate the alleged debt with an accounting ledger to ensure the alleged debt was actually lawful as I protected by the Federal Government as a XXXX. The bank then reported the charge off and so called late payments to XXXX, Equifax and XXXX. They also hired debt XXXX not once, twice but 3 times to harass and threaten me.
Complaint sub-issue: Account status incorrect

I recently looked at my credit report and found billing issues totaling less than 15 U.S. Errors in billing code 1666 ( b ). Failure of the creditor to accurately record an obligation on a statement, a payment made by the debtor, or a credit given to the debtor. a miscalculation or other accounting-related error made by the creditor on a statement. As far as I'm aware, the creditor didn't send me a statement 21 days in advance, thus there should never be any late payment on this account. Because there are obviously billing errors, I demand to see concrete evidence from the creditor 's bank account that I failed to pay and was flagged as being past due. The relevant account is shown below : XXXX XXXX XXXX Balance Owed : {$0.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I have complained to Equifax about the following inquiries several times. These are NOT authorized. Their investigation is general very quick with a response that they are a factual part of a record. However, I did not at any point authorize dozens of inquiries. I'm in active chapter XXXX bankruptcy and am not even allowed to apply for credit. Numerous complaints and calls to Equifax have gone unanswered and they have never at any time provided proof that I authorized the inquiries listed below. Per the Fair Credit Reporting Act I would like these removed ASAP as they are detrimentally affecting me and they are not authorized. 

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

See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.
Complaint sub-issue: Their investigation did not fix an error on your report

Someone broke into my car and stole my personal identification information and now attempting to open accounts in my name. I have been a victim of identity theft and the information on the report needs to be removed
Complaint sub-issue: Was not notified of investigation status or results

I disputed a bankruptcy that LexisNexis has listed on my consumer report and they are continuously reporting to the credit bureaus. On XX/XX/2021, I received a letter from LexisNexis stating the LexisNexis investigated and verified that the information was accurate and true. The letter from LexisNexis goes on to inform me that under the Fair Credit Reporting Act ( FCRA ), I have the right to request a description of the procedure used to determine the accuracy and completeness of the disputed information. On XX/XX/2021, I sent a letter certified mail to ensure deliverability requesting LexisNexis provide me their investigative procedure ( Method of Verification ). On XX/XX/2021, at XXXX XXXX. the letter was delivered and the fifteen ( 15 ) days to complete re-investigation and response with the Method of Verification began. As of XX/XX/2021, the 15-day grace period given to respond to my request expired without a response to my request. On XX/XX/2021, I contacted Lexis Nexis via telephone at XXXX and the service rep placed me on hold, and I stayed on hold until the phone hung up. LexisNexis has failed to provide me with the information they informed me I was entitled to under the Fair Credit Reporting Act. Therefore, I would like LexisNexis to delete the unverified item from my consumer report and refrain from continually reporting the unverified information to the credit bureaus.
Complaint sub-issue: Their investigation did not fix an error on your report

The credit reporting agencies did not correct my score to where it should have been up in XXXX of XXXX, even though the letter I had sent stated that the school loans was all discharged as far back as XX/XX/XXXX. Also Equifax took my credit score down another 55 points after the results from my dispute with CFPB. I have notice that they went up 55 points and then they went back down 55 points. This needs to be investigated to see why this is happening, and why my scores don't reflect the discharge letter that I sent in to show how far this corrections should have been completed.
Complaint sub-issue: Account information incorrect

Fraudulent inquires and inaccurate account information
Complaint sub-issue: Information is missing that should be on the report

On XXXX XXXX, 2017 I logged into XXXX XXXX and I see that my XXXX XXXX account and my XXXX XXXX account is not showing up on my account and has cause my length of credit history to go down and my credit utilization has gone up due to these accounts being removed from my account.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3300.00}, {$1000.00}, {$500.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX XXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$500.00} -This is not my account.
Complaint sub-issue: Fee problem

Discover bank ( online savings account ) charged me a {$30.00} insufficient fee while I have enough balance on my account. Their weird accounting system held my deposit for excessive amount of days. Instead of paying out a payment using my balance, they claimed I have insufficient fund, not honor the payment, and charged me a {$30.00} fee. I've contacted them at least 3 times though their online messaging system but every time their response is like a robot, quoting me a lot of fancy words without working on my issue. I even warned them the last time I'm going to report to XXXX  but they still refuse to cooperate. 

I first tried to file a compliant to XXXX but they said banking is out of their coverage so I figured you guys are the correct place to file compliant.
Complaint sub-issue: Account information incorrect

I have a late payment XXXX and XX/XX/2017 .XXXX XXXX XXXX account # XXXX.The information is incorrect .Please delete the late payment information.
Complaint sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finish

I returned a leased vehicle to Volkswagon ( VW ) Credit in XX/XX/XXXX. In XX/XX/XXXX, I received a tax bill from VW Credit for that leased car in the amount of {$1100.00}. The county said the whole-year bill was {$790.00}, which VW Credit paid . Volkswagon did not provide my county with a return date, as theyd presumably planned to bill me for the whole year + several hundred dollars. Note : I paid end-of-lease fees separately ; this bill was solely for county taxes. When I provided my county with proof of when the leased vehicle was returned ( which I obtained from XXXX ), my county sent a refund to VW Credit in the amount of {$590.00} ( {$330.00} and {$250.00} ) around XX/XX/XXXX, having satisfied the actual tax bill of {$200.00}. VW Credit cashed the checks for {$590.00} on XXXX XX/XX/XXXX. I sent my check of {$200.00} to VW Credit to satisfy the tax bill and reimburse VW Credit on XX/XX/XXXX, and as requested, the check was sent to XXXX XXXX XXXX XXXX XXXX. VW Credit has repeatedly sent me bills for ( varying amounts, but more recently ) {$310.00}. VW Credit has been completely unresponsive as I have attempted to remedy this matter with them. After repeated attempts to contact them, and after receiving several bills, I sent a cease and desist letter, and they continue to send bills. I have filed a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX which they completely ignored, and they continue to send bills. I emailed VW Credit through the XXXX  site, and they did not respond. I do not owe VW Credit any money, and want them to acknowledge my payment for the tax bill, and that I do not owe them any money.

VW Credit has an XXXX rating with the XXXX  and I was not even ABLE to file a complaint through the XXXX website -- the site would not submit the form.
Complaint sub-issue: Their investigation did not fix an error on your report

VIOLATION TO CONSUMER FCRA AND METRO 2 XXXX # XXXX TXXXX 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
Complaint sub-issue: Information belongs to someone else

In XXXX of 2021 this year I talked to a representative at Equifax in the fraud department to dispute inaccurate information being reported. I asked for the account to be deleted because I noticed that their is no company name, address or any contact information to actively dispute this account. 15 U.S. Code 1681, plainly states that inaccurate credit reporting gravely affects fairness, and the respect for the consumer 's right to privacy. This is fraudulent activity and it's very hard to deal with emotionally, I demand this account be deleted, I do not validate this debt!
Complaint sub-issue: Problem during payment process

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on FSTPROGRESS. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the Fair Credit Reporting act XXXX Account # XXXX General Rev has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 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 hand written instructions. In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX. XXXX, XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 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 hand written instructions.In accordance with the Fair Credit Reporting act XXXXXXXX  Account # XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 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 hand written instructions.In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 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 hand written instructions.
Complaint sub-issue: Trouble with how payments are being handled

For years I made payments on my student loans through XXXX. Then one day I got a phone call from a XXXX XXXX, a customer service representative for XXXX XXXX. He started to give me a sales pitch on a public service loan forgiveness program for people who work in the public sector. He explained that I would have to reapply every year and there would be a {$100.00} fee to do that and then there would also be a monthly {$19.00} fee involved as well. I found this a little strange and immediately felt uneasy. He also said the requirements of the program were to make 120 timely payments and the remainder of my loan balance would be discharged. This interested me as my loan total is approximately {$75000.00}. So, I decided to go forward with getting signed up for this new program and having my loans transferred from XXXX to XXXX XXXX. I called my bank today, XXXX XXXXXXXX XXXX, to get the date of when I first started making payments on my loans on this new program. The representative gave me a date of XX/XX/XXXX and an amount of {$130.00}. On XX/XX/XXXX that payment was increased to {$240.00}. So, in essence, I have been making monthly, timely payments on this new PSLF program since XX/XX/XXXX, but it feels like my money is going nowhere and my balance has hardly gone down. Something just doesn't feel right. When I recently recertified, I did not provide supporting documentation with my application ( proof of income ), so I got an email saying my payment was going to go up to {$910.00}. I was outraged by this and sent them a copy of my paystub. They responded that they received my supporting documentation, but I STILL keep getting responses saying that balance of {$910.00} is due, but I have continued to make my regularly scheduled payment of {$240.00}. Can someone help me or tell me what is going on?
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed incorrect information on my credit report and Equifax continues to report this incorrectly for months. 

This incorrect reporting is causing great harm to my score XXXX betterment of life. I have asked to be shown how this information was verified and I have not received anything to address that verification process. 

Again I will attach photos of the incorrect information that shows on my credit. 

This bureau continues to have bad business practices and the CFPB continues to allow it.
Complaint sub-issue: Problem with customer service

On XX/XX/XXXX, I called Citi Bank regarding a letter received about being enrolled in an Optional Debt Program without my consent. The letter gave no information other than the last four digits of a account number, a tracking number, and a reference number. I had to go online to locate a customer service number to inquire as to when this occurred and the account number. I called Customer Service ( XXXX ) XXXX-XXXX and spoke to XXXX. She read a scripted message referring me to the " refund website to file a claim ''. I asked for further information and she said she had none and also refused to give me the Corporate Office phone number or address. When I told her I ca n't research my records without a account number or time frame she hung up on me. I called back and asked to speak to a Manager and was transferred to XXXX. She also read from a scripted message and said they had no other information. I then realized that this problem sounded like the Consumer Fraud problem that happened at XXXX XXXX and they must be trying to correct something they did illegally. I now see that they were also caught adding illegal charges to their customers since XX/XX/XXXX and have to pay out a large sum of money to current and former customers. It 's a shame that Banks have done this for years and do n't have to provide records to the customers who want to verify for themselves how much they are owed. Why should we trust them now for a refund when they claim to have no information on the account? How do we know they are suddenly honest? Is there a way to verify my account as the letter says " our records reflect you were enrolled in a Credit Protection program without your consent ''. Should n't they have to provide me with the information since it 's still in their records? 
They should also train their employees in Customer Service how to talk and handle customers, but of course why should they care if they cheat and lie themselves. 

XXXX XXXX Reference # XXXX
Complaint sub-issue: Account information incorrect

Conns is reporting information on my credit report. I have asked for proof of the debt and they have failed to supply such proof. The account itself also has several inconsistencies that cause me to question the account. The high balance is inconsistent across the 3 major credit bureaus. The date of last activity is also inconsistent. If this were my account how can it be possible to have different dates of last activity. This account is reporting as a collection/chargeoff and there is a past due balance listed on the account but no one can provide proof. There are also differences in the date of the last payment made. I have written the company as well as the bureaus, however no efforts have been made to remedy the problem or respond.
Complaint sub-issue: Problem with personal statement of dispute

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX. XXXX. XXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX ( XXXX ) XXXX - Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Dear Sir or Madam : As of XXXX. XXXX. XXXX it is still displayed on all three of my credit report files, XXXX, Equifax XXXX XXXX. I was also notified that I could not use XXXX XXXX, XXXX of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my FICO credit report, the items I dispute on the attached copy of the report I received.The information on my credit report displays a Wrong FICO SCORE XXXX Rates my fico score as XXXX, Equifax shows my FICO score at XXXX and my XXXX FICO score is XXXXThis is inaccurate because of all the fraugent items that's displayed on my account. I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 
Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/XXXX. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX, Thank you
Complaint sub-issue: Account information incorrect

I am pleased to see some improvements on my report and some of the accounts which I have disputed were removed. However, there are still remaining accounts on my report which are fraudulent and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any accounts listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which are being posted on my report. 
XXXX XXXX XXXX XXXX : {$2400.00} XXXX XXXX XXXX XXXX : {$0.00}