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

XXXX XXXX XXXX MT XXXX XXXX XXXX TN XXXX EQUIFAX EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX XXXX RE : Social Security Number : XXXX and account reported from ONEMAIN XXXX account # [ XXXX ] ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND CERTIFICATE EACH EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL. 
XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I already reached out to EQUIFAX and to the creditor and notify them of their error posting for this account. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. No proof that this account belonged to me was given. No documentation was ever sent/received. The purpose of a time frame was to assure customers that disputes are taken so seriously that results must be completed within a reasonable time. They have failed to provide documentation and proof.
Complaint sub-issue: Their investigation did not fix an error on your report

Hello, it has come to my knowledge that the information reporting on my credit is Noncompliant according to the XXXX XXXX Compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to XXXX XXXX compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
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 {$19000.00}, {$12000.00}, {$28000.00}, {$2600.00}, {$0.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 

-- AUTO ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Their investigation did not fix an error on your report

Concerning CFPB complaint XXXX LexisNexis admitted that I filed disputes about incorrect information on their consumer report containing information about me. LexisNexis stated that disputes were filed XX/XX/XXXX. This dispute was directly related to an identity breach and social security variance that was addressed with LexisNexis as well as all other credit reporting bureaus. XX/XX/XXXX it was discoverd that the disputed items were not deleted by LexisNexis as asked and my request to " Cease and Desist '' ( OPT OUT ) of the sharing of my information was not granted per my rights under FCRA. XX/XX/XXXX and XX/XX/XXXX corespondence sent certified mail to LexisNexis were subsequently ignored and no resolution to innacurate data was accomplished only letters that stated " they could not verify identity '' even though clearly legible copies of both state issued drivers license and social security card were sent with each certified mail corespondence. LexisNexis stated in its last complaint response that they mailed a Consumer Disclosure Report ( LNCDR ). No such report has ever been mailed to me. I have sent affidaivts and identity information in order to remove incorrect address and public record information pertaining to me as per my rights under FCRA. LexisNexis has been asked several times to : 1. Give me a description of the procedure used to determine the accuracy and completeness of disputed including the business name and address, and telephone number of any furnisher of information contacted.They have refused each request. 
2. To furnish notification of the deletion of disputed information to any person or company whomever has received a LexisNexis consumer report. XXXX has refused. 
3. To " CEASE and DESIST '' sharing of my personal information with ANY third party ( OPT OUT ) because they DO NOT HAVE MY CONSENT to compile or share this information. LexisNexis has refused. 
At this time XXXX is in direct violation of my consumer rights under FCRA.
Complaint sub-issue: Didn't receive notice of right to dispute

On XX/XX/2019 I called EOS CCA collection agency to work something out with my collection wich I did not know about till I checked XXXX XXXX I tried to negotiate but the only way I could was if I postdated my payments which I thought was illegal. they did offered me a discount to settle the account but the only way was to pay in full or to postdate my payments I also asked if they could either mail me or email me the offers they were giving me before I made a payment but again the only way to get it was if I postdate then payments they were asking for. 

the offers were one payment for {$1400.00} or postdate 3 payment {$400.00} before XX/XX/2019 and {$650.00} a month later and final {$650.00} the following month
Complaint sub-issue: Trouble getting a working replacement card

I lost my card and reported a fraudulent transaction in XX/XX/XXXX. I requested a new card then and am yet to receive it! There is money on my account but I can't access it because I don't have a card. I can't even login to the website to request a transfer to another bank because my online account is inactive due to a " problem with my card. '' Ever since I first called to report the card lost or stolen ( and supposedly was sent a new card - they verified my address and everything ), whenever I call I just go around in circles because it asks for my card number ( which I don't have ). I also filed a complaint with the BBB and they called me in response to that, but they called from a blocked number, so I didn't answer. And the voicemail they left just told me to call the number on the back of my card - but I don't have a card to look at the number of!! And so I called the general number I was able to find online but after going around in circles due to not having a card number, I reached someone a couple different times and either got hung up on or disconnected. The next several times I tried to call, it said my wait time would be upwards of 30 minutes, I could only wait about 15 due to already wasting time on the needless phone tree.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX BANK XXXX XXXX Open Date XX/XX/XXXX Balance : {$130.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$12000.00}, XXXX XXXXXXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : {$0.00}.
Complaint sub-issue: Information belongs to someone else

My complaint is with A company called VANCE AND HUFFMAN LLC ( XXXX XXXX XXXX ) presented on credit score since XX/XX/2018. Also I have disputed this account once for Fraud. The amount due is {$1500.00}
Complaint sub-issue: Account status incorrect

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX XXXX XXXXXX/XX/2008
Complaint sub-issue: Account status incorrect

The Mortgage lates on my credit report should not be on there. 

I contacted the creditor due to COVID and they told me they would not report this on my credit report due to an agreement and being on unemployment from COVID. 


This makes me very unhappy, as I'm trying to re-finance my house to get a cheaper payment and this is making it very hard.
Complaint sub-issue: Didn't receive services that were advertised

Equifax unsafely stored my data and as a result it was stolen.
Complaint sub-issue: Billing problem

Two weeks ago I spoke with a collections representative from Ally financial in regards to a partial payment that came back returned. I advised that the payment was denied by my mother 's bank for suspicious activity. I was then told that as long as the partial payment of {$190.00} was paid my XX/XX/19 then the account would be in good standings. I advised that I would make my payment online on that day. Last week, I received another call from the collections department in regards to my loan. I repeated the same information to this representative that I stated to the last. Making them aware that I will keep my promise to pay by Monday XX/XX/2019. Again stating that the payment would be made online. Today I attempted to go online to make my payment only to find that my account information is no longer available and I am unable to make my payment as I had previously promised. I called in and spoke with 5 different representatives. The first two representatives hung up on me because they became frustrated and was unable to answer my questions. The 3rd representative transferred my over the online team which then transferred me back to customer service where I spoke to a 4th representative. Which then attempted to assist me and then the line was disconnected again. I called back and requested for a supervisor. I was then connected to a front line manager named XXXX ID # XXXX. I was told that I do not have access to the online and can't make payment for 6 months due the reverse payment. I attempted to make a payment via a 3rd party vendors which is a payment options that is available to me to make payment with a lower fee, however this option via XXXX and also via XXXX XXXX. Both are considered to be an acceptable payment option for this company. However, I have been blocked from making payment via the 3rd party vendors by Ally financial which they have on their website as payment options that can be done online or over the phone. The only option that I was given was the more expensive option of XXXX. XXXX and XXXX XXXX offer a fee of less than {$5.00} to submit a payment to Ally financial online. XXXX charges {$20.00} processing fee to send funds to Ally Auto. So currently I have not access to view my account details, statements, previous payments, nor do I have access to view my account in order to make the payment and ensure that it's applied to the correct account. I was told my XXXX that my account will be escalated and someone will get back with me in 24 hours. My account will be reported to the credit bureau tomorrow, which will cause a negative score on my credit as Ally Auto will report my account being passed due for 30 days due to this partial payment. This is unacceptable!
Complaint sub-issue: Debt was paid

I paid a medical bill to XXXX XXXX on XXXX/XXXX/16. I received a letter the end of XXXX dated XXXX/XXXX/16 stating that my account was past due. I contacted and faxed proof that it was paid and have now received a notice from a collection agency, RMB , Inc . I contact them and tried to explain that this was indeed paid and the gentleman was very rude. I have called XXXX XXXX again and faxed everything again. Was told that the girl that handle credit card payments was on vacation.
Complaint sub-issue: Information belongs to someone else

There are several items reporting on my credit file that does not belong to me. I need your assist in getting these items removed. The following items is reporting on my credit report as a result of fraud : XXXX XXXXl - reporting on my Equifax report XXXX - XXXX - reporting on my XXXX  report Unauthorized Inquiries : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX XXXX granted me credit a line of XXXX 2016. Payments are continually report negative late payments on credit file. Funds are available in savings and not checking. Instead of removing available funds ; the company furnish inaccurate information on credit file. With this type of reporting continues to enable credit worthiness and growth in score. According Federal Reserve Board this is illegal. In addition, during multiple late payment reporting, a protection instituted by XXXX in case my health becomes compromised and unable to work Requesting all late payments to removed from tradeline
Complaint sub-issue: Their investigation did not fix an error on your report

I issue a dispute to equifax regarding XXXX account. This account doesnt belong to me. Ive tagged a photo showing the account was removed, if this account was removed and is all of a sudden reappearing on my account thats reinsertion! I received no notice or notification of reinsertion. Thats a violation Im asking for a removal of this account from my credit indefinitely. XXXX and XXXX have followed suit and removed account why XXXX is still showing it Im not sure
Complaint sub-issue: Old information reappears or never goes away

My student loans should be in income based repayment status, but Great Lakes refuses to update. Each time I call to get this corrected or request additional information - I am told to have my attorney reach out. I do not have an attorney and have advised Great Lakes of this on multiple occasions. I am not in bankruptcy and do not have an attorney. I mailed in my IBR recertification over a month ago and Great Lakes acknowledged receipt. 

What they are doing is unlawful and predatory. They're unwillingness to update account to {$0.00} payment in income based repayment is costing me multiple months towards my repayment calculator. 

I again spoke with XXXX ID # XXXX today and nothing changed. This company needs to be investigated and a class action consumer lawsuit filed due to their illegal ways.
Complaint sub-issue: Trouble with how payments are being handled

My loan was transferred from being provided by XXXX XXXX back to Discover onXX/XX/XXXX. 

My recurring auto-payment amount was changed without notification. 

I was unable to alter this on the Discover website ( as I had been with XXXX XXXX ). After calling to alter the amount ( which was a slow, unclear and laborious process ) I managed to change it back onXX/XX/XXXX. 

I checked back to discover website on XX/XX/XXXX to find that my auto-payment amount had been changed again without notification. 

I am really frustrated by how difficult and unhelpful Discover have been to deal with.
Complaint sub-issue: Problem with fees

I have it in writing that after spending  XXXX  dollars in 3 months, that my annual fee will be waived.     I have this promise by  XXXX  and  XXXX  and it is documented also.     I called in at  XXXX  and was told not  one  thing is in the notes by  XXXX  on  XXXX  at  XXXX  and she was also so rude and even said there are so many notes on your account and you call in all the time like I have no right to be helped.     She told me to I had to go and pull the letter for proof to her and was so rude and said I needed a date as she did not wish to go through all of my notes. She basically poked fun of me in many ways and when I asked her to talk slower, she had an attitude all the way.     I then was forced to call back and the offer is noted on my account effective  XXXX   XXXX .     Please look into this on the rudeness of  XXXX  please.
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/2018. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/2018.
Complaint sub-issue: Debt is not yours

Please be advised I requested validation of said stated debts from listed debt collector ( s ). I received a response that clearly violates my HIPPA rights.The collector ( s ) did not provide me a HIPPA release that releases my medical information to them, therefore by providing such information these companies are in violation of my HIPPA rights. Documents were received in response to a dispute asking for validation in which the listed companies have not provided me the services, charges, and cost WITH a signed HIPPA release. 
- On XX/XX/2021 I received a letter in an attempt to validate a debt from company XXXX XXXX XXXX XXXX XXXX for a alleged debt amount of XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Colorado XXXX. 
XXXX XX/XX/2021 I received a letter in an attempt to validate a debt from company AR Resources , Inc. for an alleged amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, PA XXXX.
Complaint sub-issue: Problem with fees

I received a vm from total visa stating i was behind on payments. After logging in to my account i found out i was behind. Total visa failed to provide me with a bill or any statement since febuary 2019. When i called to ask why i didnt receive a statement by mail or email. I was informed my account was suspended. When i asked why they said bc my mail was returned. So i asked why they didnt contact me and i wasnt given an adequate response. My next question was if my account is suspended how am i being charged an annual fee? Response : thats just how it works youre suppose to keep up with your own bills. Ok ... why wasnt i informed by mail, email, or call. I cant pay a bill youre not sending me statements for. So on top of the annual fee i was charged a late fee and interest on that late fee. I payed the annual fee but told them i should not be responsible for any other fees occurred bc of their failure to provide me with a statement or bill. I was told it would be sent for review to have charges removed. Never heard anything from them. Im still racking up interest on the remaining balance and they refuse to help. Ive since requested my account to be closed bc i made the payment and its not closed. The is unacceptable business practice. Ive only used this card once and every payment has been on time, except when they decided to not inform me of charges occurred. After speaking with them i still have yet to receive anything by mail. My address is the same it never changed.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I received a text on my phone in reference to my free XXXX trial was active and they were going to draft my card for a monthly fee on the XXXX of XXXX. So I reached out to a so called XXXX number at XXXX, and they act as if they were XXXX and they logged into my XXXX account without my consent, and I was able to see my account with all of my debit cards info. Then they needed to do a few things to verify me, so it sounded suspect, and I ask why did all this need to be done to cancel a simple subscriptions, he told me some lame stuff like all this had to be done for the first time to make sure all my info was not used. So he logged into my phone app, and he as which card usually pay for thing with on XXXX, and I told him because my XXXX account was open on my screen. Then he asked for my full debit card number and I did verified that and he kept asking me to logged into my bank account from my phone and told him I will not never do that. Then I start to questions why was this taking so long to complete a simple task and he kept saying it needed to be done one time only. Then he ask me to go to play store and add a pay app for verification and I did, and then afterward I got real suspect, and he told me that there were going to be a transaction on my account that was gon na be debit and credit back. They also asked to up load a picture of front and back of DL as part of verification. Then he said log into your account and I did on my pc, and two entries were taken out. So I told him I did not authorize him to do any transactions on my account and that I was gon na call my bank fraud department, which I did, and cancel the transactions and the debit card. But he kept saying that it would be credit right back, but did not explain why the transactions was needed to verify my XXXX account. So I have reach out to XXXX, and the XXXX company that I did downloaded to my phone for the fraud transaction to let them know these debit entries should have never taken place. I was told that these were needed to verify my debit card with XXXX. I also told them that my bank fraud will be contacting them as well on these unauthorize transaction.
Complaint sub-issue: Seized or attempted to seize your property

Quall Cardot is a debt collection agency parading themselves as a law firm that apparetly has the ability to take money from me that I have in a checking account to use as they see fit. 

I had {$3400.00} taken from a bank account that I needed to pay my rent, taxes, and other obligations. This collection agency took my money without my consent, or providing me with notification ahead of time. They said they were unwilling to work with me on a payment plan regarding the {$3400.00} -- however, they would be willing to set up a payment plan for other obligations I have. This company would not tell me when, how, or how much money I owed -- but they said there was absolutely no way I would ever get the {$3400.00} they already took back from me.