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

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights. The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process. 

The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ). 

The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1- ( XXXX XXXX  # XXXX ) Has violated my rights 2- ( XXXX XXXXT # XXXX ) Has violated my rights 3- ( XXXX XXXX # XXXX ) Has violated my rights 4- ( XXXX XXXX # XXXX ) Has violated my rights 5XXXX XXXX XXXX # XXXX ) Has violated my rights
Complaint sub-issue: Didn't receive enough information to verify debt

Sent notarized debt validation letter on XX/XX/XXXX, Via Certified Mail Requesting -The amount the respondent claims is owed -An explanation showing how the amount was computed -Copies of any documents with proof I agreed to pay the alleged amount -The identity of the original creditor -Confirmation that the account has not crossed the statute of limitation ( SOL ) period -Evidence that they are a licensed and registered debt collector -Evidence of license numbers and registered agent Included in the letter was notice it had 10 days to Respond from receipt date of the notice and if not then account must be deleted completely from report ( s ) ( XXXX, XXXX, XXXX, XXXX XXXX it is now XX/XX/XXXX and they have fallen outside of allotted time frame to Perform per notice and my report ( s ) ( XXXX, XXXX, XXXX, XXXX XXXX still reflect the negative and damaging reporting. No attempt has been made to correct the errors or provide the requested information, nor request for additional time to do so. Note that respondent has also been contacted multiple times. I also note the company is not licensed or registered in my state nor has provided proof of such information as requested.
Complaint sub-issue: Their investigation did not fix an error on your report

In the last month, 2 student loans were put on my credit reports as delinquent. I immediately filed disputes with all 3 credit bureaus. XXXX and XXXX removed both accounts from my credit reports as soon as I filed the disputes. Within minutes of filing the disputes. Equifax on the other hand did not. Ive filed multiple disputes with Equifax regarding these 2 accounts and they keep saying the information is accurate and wont remove these accounts from my credit report. 1 of the accounts was opened in XX/XX/XXXX, and the other opened in XX/XX/XXXX. The first reported delinquency for both accounts was on XX/XX/XXXX. They have the first reported delinquency as XX/XX/XXXX. This is inaccurate. These accounts are over XXXX XXXX XXXX, and the first reported delinquencies happened over 18 years ago. Once I filed the first dispute they also fraudulently removed the original loans starting dates from my credit report, to make it look as though the loans were more recent than they are. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ACCOUNT # - XXXX Principal - {$3000.00} Interest - {$2400.00} Total Balance - {$5400.00} LXXXX XXXX XXXX  XX/XX/XXXX - XX/XX/XXXX First reported Default - XX/XX/XXXX Debt transferred - XX/XX/XXXX Current debt Holder - XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, IL XXXX XXXX. ( XXXX ) XXXX XXXX XXXX XXXX debt holder - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  - XXXX ACCOUNT # - XXXX Principal - {$4500.00} Interest - {$3600.00} Total Balance - {$8100.00} XXXX XXXX  - XX/XX/XXXX - XX/XX/XXXX First reported Default - XX/XX/XXXX Debt transferred - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. ( XXXX ) XXXX
Complaint sub-issue: Card was charged for something you did not purchase with the card

I havent been able to use my card because it just keeps declining. The person has been using my card for months, I think. All I see are random charges from XXXX. Again I havent been able to use it because its all gone
Complaint sub-issue: Was not notified of investigation status or results

XX/XX/2021 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to Equifax, XXXX, XXXX. 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/2021. 

Today is XX/XX/2021 and Its sad i still haven't even heard back from these Companies yet.
Complaint sub-issue: Problem during payment process

On XX/XX/XXXX, i tried to transfer money from my citibank XXXX XXXX to credit card ending by XXXX Via mobile app in the amount of {$1600.00}. 
On the first 2 attemps, it poped up with server technical error msg, payment did not go through. I tried another time, finally the transfer went through with confirmation #. However, later i found out the payments went tripled from my XXXX. Since the quite big thousands dollars, i asked to reverse 2 additional payments. Reverse not take out cash. However, it turned out that customer rep on message tool said i need to call in order to make a request. 
The purpose of designing Message tool is to reduce customer waiting time with call center. But it turns out not as convenient as it should be .... on XX/XX/XXXX around XXXX, Rep said they canot trace the the source of payment to XXXX  from my XXXX  by ( XXXX XXXX. Next, XXXX said she canot refund even though asking with supervisor .... being a Credit card great user for ober 15 years, This is so ridiculous to be told that i need to call in order to get immediate refunds what was caused due to your citibank app server connectivity since i only got one confirmation #.. 

It took me 30 mins on the line to be connected for live Rep. But she firstly said she only can send me a check. Am i gon na be the one victim of many suffering from your citibank technical issue? I only asked the extra payments which were transferred from your citibank checking account, not even any outside bank account nor any uncleared, potentially bounced check payment. You citibank treat customer 's bloody money as " XXXX '' ... that is thousands dollars not houndres XXXX. I need money for medical bills and foods. 
I am extremely disappointed about client experience and citibank policy and procedures violates FED fairness to all customers. I think citibank should no longer offer any credit product to any customer.
Complaint sub-issue: Personal information incorrect

I have reached out to all 3 credit bureau to update my personal information on my credit profile. I will attached documentation to prove the removal of incorrect information. I also just found out that several inquiries are also on my report that are fraudulent. According to the FCRA section 611 ( a ) ( 5 ) ( B ) it's a violation to insert deleted items back on to my credit.
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXXXXXX 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: Confusing or misleading advertising about the credit card

I responded to an email offer from  XXXX  +  XXXX   XXXX   XXXX  XXXX  XXXX  for free merchandise ( there is a small shipping charge  ) i f I took a survey. I took the survey and ordered the " free '' merchandise. Later learned from a friend, who did the same, that this is a scam that continues to send additional ( expensive  ) ite ms paid for wit h Automatic Recurring Charges to th e VISA card.   XXXX  I saw no statement that additional purchases and an  " Automatic Recurring Charge ' ' would be set up on my  VISA card but one  was.   XXXX  I cancelled t he VISA card  and will reestablish  XXXX  valid recurring charges on the new account. Think I 've handled it but just want to let you know this is going on.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX XXXX ; XXXX 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 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 15 U.S.C 1681C. ( a ) ( 5 ) Section States : 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 crime which antedates the report by more than seven years.

15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Reporting company used your report improperly

I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX has violated my rights. Regarding alleged account # 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 an account without my written instructions. 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove in 4 days.
Complaint sub-issue: Didn't receive advertised or promotional terms

XX/XX/2019 : Received a preapproved credit card offer in the mail. Upon going online to accept the card, I was asked to enter some 'identifying ' information. Upon submission, I was told I'd hear back in 7-10 days for the status of my submission. I called customer service at the toll free number, they told me they only do a soft CB pull and then do a hard pull after to see if I'm approved! IT IS MY UNDERSTANDING YOU CAN NOT SEND A PRE-APPROVAL AND THEN WORK THE CUSTOMER AS AN APPLICATION SUBJECT TO APPROVAL! BAIT AND SWITCH.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2018 I observed a collections on my credit report from Equifax. I contacted XXXX XXXX XXXX and requested verification/validation ( attached ) and received a generic letter ( attached ). On XX/XX/2018 I filed a complaint with CFPB ( attached ) and they received the same generic letter. I again filed a complaint with CFPB and they did not receive a response. I forward all information to all credit bureaus and the account was removed except for Equifax. They stated that XXXX XXXX XXXX provided verification/validation. I have requested that information several times from Equifax and have not received any type of response.
Complaint sub-issue: Need information about my balance/terms

Discover Student Loan # XXXX. I 've been trying to refinance my student loan ( at 9.375 % to a lower rate with another lender ) but I 've been getting stonewalled by Discover. I spoke with multiple representatives at Discover requesting " Lenders ' 45-day Payoff statement '' mailed or emailed to me and each time I 'm being told that my request will be emailed up the chain-of-command. After 1-month of multiple requests I called yet again today only to get the same response. Without the statement from Discover my new lender would not process the loan and i have a limited window of opportunity to complete my paperwork. Please help!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Information belongs to someone else

Strictly for XXXX XXXX XXXX, EQUIFAX, XXXX, XXXX. PLEASE REMOVE ANY OTHER ADDRESS LISTED OTHER THAN THE LISTED ADDRESS THANK YOU. Here is a final letter and the final attempt to reach out to you. I would like for you to know that all letters and conversations between us have been previously recorded. I have sent in previous certified letter since XX/XX/XXXX and I havent gotten a response on my case. Your company has violated my rights within The Fair Credit Reporting Act within sections 609, 611, 612, 623, and several others. I am seeking a total of {$3000.00} for damages and the detriment to my personal credit file. Your company is reporting erroneous information and I am unaware of it. This is the final good will letter and will contact the attorney generals office in Florida, make sure your company is placed on public records file. If you think that youre going to get away with this you are wrong and I know all of my rights. I asked for several documents in XX/XX/XXXX of last year. I asked for original contracts with my signature, by law if you didnt respond within 30 days the erroneous accounts listed were to be removed and you continuously report it. XXXX XXXX XXXX THANK YOU XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Complaint sub-issue: Banking errors

6 months ago I put through disputes. They never credited. 2 weeks ago I put through disputes. They shut only card and never sent new card at all.
Complaint sub-issue: Public record information inaccurate

You are in violation of the law, and putting me at risk. You should not have this on my report due to items/the information does not include nor does it provide complete details on me, the consumer, which would put me in further at risk of identity theft. In order to be on my credit report, it should provide all of the following : name, address, social security number and/or date of birth. They do not. Beginning in XX/XX/2017, Equifax, XXXX and XXXX will no longer include records of tax liens if there are not at least three identifiers : name, address and either social security number or date of birth. My tax liens do not include all three or four identifiers, Therefore the state tax liens should be removed from my credit report immediately.
Complaint sub-issue: Account information incorrect

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 account listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which is being posted on my reportXXXX 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: Debt was result of identity theft

To whom it may concern, This is a formal request to remove, and delete the following inaccurate account from my credit report : DSNB/MACYS ACCOUNT # XXXX The DSNB/MACYS ACCOUNT # XXXX being furnished to the credit bureau is being disputed as I am a victim of identity theft. Credit reporting laws require collectors, and credit bureaus to only report accurate credit information. I have no knowledge of this fraudulent entry on my credit report. I have never opened any accounts with the account number listed on my report. I have never opened an account on the date referenced on my credit report associated with this account number. Per the Illinois Collection Act, 225 ILCS 425/9.4, ( a ) Upon receipt from a debtor of all of the following information, a collection agency must cease collection activities until completion of the review provided in subsection ( d ) of this Section : ( 1 ) A copy of a police report filed by the debtor alleging that the debtor is the victim of an identity theft crime for the specific debt being collected by the collection agency. ( 2 ) The debtor 's written statement that the debtor claims to be the victim of identity theft with respect to the specific debt being collected by the collection agency, including ( i ) a Federal Trade Commission 's Affidavit of Identity Theft, ( ii ) an Illinois Attorney General ID Theft Affidavit, or ( iii ) a written statement that certifies that the representations are true, correct, and contain no material omissions of fact to the best knowledge and belief of the person submitting the certification. This written statement must contain or be accompanied by, each of the following, to the extent that an item listed below is relevant to the debtor 's allegation of identity theft with respect to the debt in question : ( A ) A statement that the debtor is a victim of identity theft. ( B ) A copy of the debtor 's driver 's license or identification card, as issued by this State. ( C ) Any other identification document that supports the statement of identity theft. ( D ) Specific facts supporting the claim of identity theft, if available. ( XXXX ) Any explanation showing that the debtor did not incur the debt. ( F ) Any available correspondence disputing the debt after transaction information has been provided to the debtor. ( G ) Documentation of the residence of the debtor at the time of the alleged debt, which may include copies of bills and statements, such as utility bills, tax statements, or other statements from businesses sent to the debtor and showing that the debtor lived at another residence at the time the debt was incurred. ( H ) A telephone number for contacting the debtor FCRA section 609 ( e ) states that businesses must comply with the law when notified of possible identity theft. Please investigate this matter thoroughly
Complaint sub-issue: Didn't receive enough information to verify debt

My debt is from Americollect in the amount of XXXX dollars. The debt was opened up according to their reports on XX/XX/2022. Per the new law that took affect XXXX XXXX2022 the time to report negative debt on credit reports increased to 1 year. Medical doubt less than XXXX dollars shall not reported to the credit bureaus.
Complaint sub-issue: Information belongs to someone else

I requested my credit report and noticed inaccurate information reporting on my credit report. XXXX XXXX is reporting a acct that is past the statue of limitations of 7 years, Reporting multiple addresses for XXXX XXXX and inaccurate dates I mailed a dispute letter asking to verify this information to XXXX XXXXXXXX XXXX XXXX. I  received a return letter stating unclaimed/ unable to forward. I then noticed that XXXX XXXX is reporting a different address for their company to each credit bureau. You can only have1 address reporting to all bureaus.. 


I Mailed a dispute letter/ Asking how are the bureaus " Equifax XXXX XXXX XXXX and XXXX '' is verifying this inaccurate information. " The only letter I received back is verified ''. 
With no signature, No Dates of proof this acct belong to me.
Complaint sub-issue: Debt was result of identity theft

i had fraudulent charges on a Sunoco credit card issued by Citibank with account number XXXX. I have had repeated conversations with representatives of Citibank in which they acknowledged that the charges are fraudulent. Nevertheless, they keep sending me invoices and keep reporting the account as delinquent. They have even informed the credit reporting agencies, on more than one occasion, that the charges were fraudulent resulting in restoration of my credit score. But then they send more invoices and falsely report the account as delinquent yet again. This has been going on for months and I've spent hours with their representatives. They're impossible. 

Please help! 

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

I have a loan with XXXX XXXX XXXX and JEFFCAPSYS ( Original Creditor : XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX, XXXX XXXX XXXX and JEFFCAPSYS ( Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX HAS consistently REPORTED FRAUD ACCOUNT NUMBER XXXX ON MY CREDIT TO CAUSE GREAT AND MALICIOUS HARM TO MY FINANCIAL WELL BEING. THEY PURPOSELY FUNDED A FRAUDULENT CHECKING ACCOUNT UNBEKNOWNST TO ME AND ALLOW THE PERPETRATORS TO BENEFIT OFF THE ERRONEOUS MISTAKE. 

ON TOP OF THAT AFTER READING THE FCRA THEY CONTINUE TO INTENTIONALLY ATTEMPT TO CAUSE GREAT AND MALICIOUS HARM BY REPORTING IT AS A CHARGE OFF WITH A BALANCE OF {XXXX} WHICH ACCORDING TO LAW IS A BLATANT VIOLATIONS OF MY CONSUMER RIGHT ACCORDING TO THE FCRA IF THIS WAS MY ACCOUNT WHICH IT IS NOT AND HAS NEVER BEEN.FURTHERMORE ACCORDING TO THE FCRA ALL CHARGEOFF REPORTED MUST REFLECT A XXXX BALANCE AND NO PAST DUE