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

OnXX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

equifax has items on my credit report that are not mine name is not mine : XXXX XXXX please delete. 

inquiries are not mine : please delete. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status

Social security Admin. reporting my overpayment as not paid is incorrect. Paid on time.
Complaint sub-issue: Application denied

Hi my name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached denial from KEY Bank and response from their bank office. I have been reading the law lately and According to 15 U.S.Code 1692d1692d Debt collector may not engage in any conduct ( no restriction ) which will harass, oppress or abuse any person in connection with the collection of a debt. Oppressing a right would be conduct not allowed from 1692d. Credit is the right granted and protected by federal law. If any debt collection caused a denial of credit this allows for damages. 

Notice, it is a fact, affiant is aware, credit is a right granted to me as a creditor under the Truth in Lending Act and KEY CORP does not have right to oppress or abuse any part of my character which would restrict or prohibit my right to extend credit. KEY CORP has oppressed my right to extend credit which is a violation of 15 U.S.Code1692d, see Exhibit A, and B. I will also be submitting my findings to the attorney general for further investigation. I would really like for us to come to an agreement and understanding.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00} XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$8900.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$940.00} XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXXt Account # XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy. 

15 U.S.C 1681 Section604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Debt was paid

ERC recently sent a bill from 8 years ago on behalf of XXXX XXXX XXXX. This bill was issued in California and by California Statute of Limitations, all debt after 4 years is null and void. I explained this to ERC and sent them documentation, yet I am being still being sent letters. I am writing to enforce the FAIR DEBT COLLECTION ENFORCEMENT ACT as well as ask that this collection agency be reported for misleading the public. This debt is not valid in the State of California as it is past the Statute of Limitations.
Complaint sub-issue: Debt was paid

Matter of fact there is no debt at all. After researching blogs online I came across, this company is a scam. My credit report is showing collection requested by XXXX. I called the XXXX and they very well confirmed that I 've no dues at all since I closed an account. 
My question to Bureau is, despite XXXX of similar complaints, how come this company is in existence. How to dispute and remove such disaster that has no roots ( base of claiming collection ). 

This is the company I am talking about. 

XXXX 

Why do they exist? Are they legit? And only combination ( pattern ) is with cable company only. That even is XXXX. 

This needs to stop. It took years to sharpen credit number and all of a sudden this disaster damaged number like anything. 

I never received any reminder or follow up letters as per law that tells that I owe any amount to XXXX. XXXX I paid it on time. This collection has came after a year and a half I discharged services from XXXX. 

Please do needful and please reply to my email, how can I remove this from my credit report. 

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

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, As 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 purpose.
Complaint sub-issue: Trouble with how payments are being handled

I am the cosigner of my son 's ( living with me ) private student loan provided by the XXXX XXXX of Maine ( State government agency ). During the pandemic, my son 's studies were ( and still ) interrupted due to him not being able to continue with his FAA check rides due to social distancing and being in a cockpit. Since " studies '' have not resumed for this duration, I am assuming perhaps this was the trigger to begin repayment. With student loan suspension, student loan forgiveness, and the fact my son 's studies have " suspended '' and not halted, the schedule of when student loan repayment obligations would begin was a mystery. No notice had been communicated to me or my son ( although FAME stated Firstmark claimed they did ), and I began to receive " cold call '' type inquiries from a company called " Firstmark Services ''. They would call, and announce it concerned " my '' student loan. Inquiring as to what they were concerned about ( at this point, I have no indication this is not a sales or phishing call ) that ask for my social and/or date of birth. I tell them that I am not about to divulge this information over the phone, especially since they can not provide one piece of information that validates they are talking about a " real '' subject they have a right to talk to me about. I have had no information that Firstmark is anybody we have ever dealt with or did I know that they were FAME 's servicer. Just as when I closed my refinance of my mortgage, I was deluged with calls claiming they need to talk to me about my mortgage. Cold calls to sell me on insurance, due to the fact of the public nature of my loan. These borderline fraudulent type calls appear common and accepted as of late. I told them multiple times to mail me, if they expect me to believe this is an official communication. One call they claimed it was my loan, and I did hang up since it is not and with the wrong name. I eventually received a " NOTICE OF RIGHT TO CURE '' letter.. one that contains strong language describing the urgency of the situation. I went to the FAME office to inquire, and they informed me at that time that Firstmark is their servicing company. My son did contact them, and attempted to establish automatic payments from his bank account. These " automatic payments '' rarely continue month to month, and I appear to receive my son 's billing notifications through my own personal email. They have failed incredibly bad on keeping payments, contact information, and credible notifications timely, organized and retained. I have no doubt, despite their severe negligence on keeping things straight, that they have made a mess of both my ( cosigner ) and my son 's credit report, and I have no trust they have their record keeping straight or accuate.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX 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: Debt is not yours

BC SERVICES has, by mistake, put the utility debt of another tenant on my account increasing my balance from {$420.00} to {$2500.00}. As of  XXXX / XXXX / XXXX  I have had a past due balance with   XXXX   XXXX   XXXX    Utility Division for  account number  XXXX  in the /amount of  XXXX .  BC Services bega n collections shortly thereafter ; see attached invoice dated  XXXX / XXXX / XXXX  in the amount of {$360.00}. I moved to  XXXX  in  XXXX   XXXX , I did not have the ability to pay the past due balance and my utilities where managed by  XXXX   XXXX  until  XXXX  of  XXXX .   BC SERVICES has, by mistake, allocated the utility debt of another consumer on my account increasing my balance due from {$420.00} to {$2500.00}. I have provided documentation of my account history t o BC Services  XXXX   XXXX  via fax. I have requested a verification of the information from the original creditor . BC Services forwarde d an account ledger from   XXXX   XXXX   XXXX   with the correct balance due of {$360.00}. However  BC Services is still  attempting to collect a balance of {$2500.00} from me.
Complaint sub-issue: Was not notified of investigation status or results

I'm stating a claim " THESE ACCOUNTS ARE INACCURATE, INCOMPLETE, AND UNSUBSTANTIATED ACCUSATIONS AGAINST ME ''.
Complaint sub-issue: Problem using a debit or ATM card

In XX/XX/16 there were a total of XXXX unauthorized transactions on my account. Two purchases totalling in {$570.00} and 5 atm withdrawals totalling in {$1100.00}. As I was away on a business trip, I called Citibank as soon as I return and made them aware of the unauthorized transactions they didn't process my claim separately I was returned the {$570.00} immediately however the {$1100.00} they refused to return to my account despite that fact that all these charges happen at the same time they chose to approve some and deny others, it's now been two months of me calling the bank providing police reports and speaking to agent however Citibank refuses to Simply look at their cameras at their own branches and see that I am not the one who made these purchases. Due to the ongoing pandemic I have been out of work for 2 months and now my account is in the negative because Citibank has taken away their temporary credit
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed an unverified inaccurate bankruptcy on my credit report with the XXXX, XXXX, and XXXX and all 3 keep reporting the bankruptcy is verified by the data furnisher LexisNexis. As of XX/XX/21 LexisNexis did an investigate and said there in no bankruptcy in there fields ( see enclosed letters ). But this can't be true, because all 3 credit bureaus keeping coming back said its verified as accurate from the data furnisher lexisnexis. I have tried numerous times with each credit agency to remove the inaccuracy from there files and said lexisnexis has verified as accurate. XXXX XX/XX/21 # XXXX, XXXX, XX/XX/21 XXXX certified bankruptcy. XXXX XX/XX/21 # XXXX # XXXX, XX/XX/21 # XXXX verified as accurate. XXXX XXXX, and XX/XX/21 file # XXXX all still referencing the bankruptcy in there files verified as accurate. Not one time has any dispute come back NO bankruptcy and the common denominator here is LexisNexis.
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX  XXXX Balance : {$12000.00} XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  ; XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX, NC 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 XXXX XXXX XXXX XXXXXX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Funds not received from closed account

I sent XXXX payment from my citizens bank to my TIAA account {$1000.00} I have proof it was received into account- citizens bank gave me details it was received : Trace number XXXX Confirmation number : XXXX When I called tiaa they said they dont have it but you do so please investigate and send me check of money ASAP
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting Act XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : 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: Personal information incorrect

I am writing this complaint with concerns of fraudulent addresses that appear on my credit report that I have never lived at. It is possible that it might be a relative sharing a old address not mines. Please remove delete the following : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
Complaint sub-issue: Investigation took more than 30 days

Sent  certified letters with signature required to credit reporting agency Equifax, received and signed for on   XX/XX/XXXX     @   XXXX  . This was for request of validation of said debt. Company response was " This item has been updated to report satisfied/released. '' Company did not mark disputed on reports according to Federal Law FCRA  623  ( A ) ( C ).
Complaint sub-issue: Called before 8am or after 9pm

I.Q. Data International Inc. has repeatedly called and harassed me at ridiculous hours, very late at night and extremely early in the morning. They are violating Fair Debt Collection Practices Act ( FDCPA ). The 'debt ' is fake and I do not owe it. I even offered to settle this fake debt just to end the harassment and get it off of my otherwise excellent credit report. In my repeated attempts to settle and end the harassment, IQ Data 's sleazy reps told me on recorded phone lines that I would have to provide " financial information '' which I started to do but they would not tell me what they needed to know. They force people to answer one question at a time going deeper into personal Information with no end in sight. IQ Data refuses to outline what they need to know or why it matters or what settlement is possible. This company should be fined or shut down as I am sure they are taking advantage of many unsophisticated victims. 

I. Q. DATA I N T E R N AT I O N A L, I N C.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX and XXXX are reporting duplicate entries on my credit report for the XXXX partial account number XXXX in the amount of {$2700.00}. ( Please see page 2 of the attached credit report. ) This incorrect reporting is harming my credit score.
Complaint sub-issue: Information belongs to someone else

hello my name is XXXX XXXX XXXX I've reported to buearuse several times about addresses that are not mine on my credit to have removed they did not remove also there's soft inquiries on my credit that are incorrect and they have not removed also I told them I'm in a process with buying a house several times I've told them the charge offs that where settled between me and the collectors I've asked to have removed they told me show proof and they will removed not just I showed proof the collectors I settled the debts with told then I've settled my accounts and to have it removed not only the associates and manager 's refuse to remove off of my credit even though they told me they would if I showed proof when I did including false addresses as well on my credit I've Ben denied for a home because of this
Complaint sub-issue: Information belongs to someone else

Someone at my old address of 5 years ago committed identity theft and opened a discover card under my name. I filed a report at XXXX and sent the report to all three credit bureaus. The others bureaus deleted the fraud but XXXX refuses to honor it as it remains on my credit via XXXX only.
Complaint sub-issue: Debt was result of identity theft

This complaint was the result of their non-compliance to my request and for their refusal of getting the accounts, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned accounts for they were found erroneous and unauthorized.
Complaint sub-issue: Was not notified of investigation status or results

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back. 

I want the items I disputed in my letters to be removed off my credit ASAP. I am trying to buy a house soon and need the bureaus to respond. Please help me out.
Complaint sub-issue: Reporting company used your report improperly

When I went to the car dealership I was told that my credit would only be pulled by one company however multiple companies pulled my report without my authorization resulting in me having multiple inquiries without my consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem getting my free annual report

This evening ( XXXX/XXXX/15 ) I accessed www.annualcreditreport.com and ordered my annual free credit report from Equifax. But the site displayed only the Credit Summary ( no details on accounts ), and when I clicked the " Save as PDF '' option, the site cut me off with a screen saying " We 're sorry, for your protection we are unable to deliver your Equifax Free Annual Credit Report online. Request by mail. '' I 'm sure if I mail in the request, Equifax will claim they do n't owe me a free report because they " already gave it to me '' by showing the Summary on the screen. I protest this unfair deprivation of file disclosure. I have a right to my whole report. Please insist that Equifax mail my whole report to me immediately at the address in my credit report. Thank you very much.
Complaint sub-issue: Information is missing that should be on the report

I have been regularly paying a private institutional loan to this company since XXXX 2018, but the loan has never appeared on my credit reports. When I asked a representative as to why the loan or was not appearing on my XXXX XXXX report, the company did not have an answer. After reviewing all three of my credit reports, I found that UNISA, INC. was not listed or accounted for on any of them.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00}, XXXX  XXXX Date Opened XXXX XX/XX/XXXX Balance : {$1.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.