Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a dispute on XX/XX/2021 regarding inaccurate and unauthorized items on my credit report. I received a response from XXXX  XXXX XXXX and Equifax stating that items in dispute have been verified however, in order for validation to occur, according to 15 U.S Code 1681 ( a ) ( e ) ( exhibit attached ) ; this law states that when a consumer investigative report is conducted ; factual information should not be included and an interview has to be conducted with my neighbors, friends or associates according to the FCRA 15 USC 1681 ( a ) ( e ) and this did not occur therefore the inaccuracies were not validated. Delete these inaccuracies and unauthorized items from my credit report immediately as you are civilly liable for reporting unauthorized, inaccurate information on my consumer report and each violation according to 15 U.S Code 1692k ( exhibit attached ).
Complaint sub-issue: Reporting company used your report improperly

Equifax put ineffective security measures in place, which led to a breach that puts myself and millions of others at potential risk. Furthermore, very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Complaint sub-issue: Debt was result of identity theft

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the documentwhether it's a charge off? The balance is in fact wrong, please make sure toreverse it to XXXX or remove the item fully. Please also produce documentationto verify all the charges and credits in this supposed account that caused tothe extremely high credit figure you might have displaying on my account. Mydemand to present this records is a standard information demand in accordance withmy rights honored within the fair credit billing act. If you fail to give thesedetails per my civil rights petition, please make sure you quickly remove thisspecific wrong posting.
Complaint sub-issue: Problem accessing account

I have been unable to access my Ally Bank account for an entire month. When trying to log in, I experience error codes on both desktop and the mobile app. Desktop error code is always " Request can not be processed. '' On mobile app, it is " Online Access Temporary Blocked. You've entered an incorrect username or password too many times '' ... This app error occurs on the first attempt to login after waiting several days since my last attempt. 

I have tried resetting my password. I have called several times and spoken with various representatives who have reset my username and password without success. They've stated that this is a known issue for certain customers, and that there is no known resolution date. 

Ally is an online only bank. I can not access my money, period. I can not view transactions, make a deposit, make or edit transfers, send money with XXXX, or even view my account balance. This is totally unacceptable, and seems like it should surely be illegal! What can I do??
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a living being, i have rights under 15 USC 1681 Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed be removed.

According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts.

15 U.S. Code 1681- Congressional findings and statement of purpose : ( a ) Accuracy and fairness of credit reporting ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

I have requested to have the following items properly investigated and removed from my credit report as they are not accurate and should not be on my report. Also my score does not accurately reflect my report.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has continued to allow XXXX XXXX XXXX to manipulate data on my credit report which has resulted in my credit score being dramatically affected in a negative way. I have multiple times disputed this with Equifax. The amounts of what is being reported as owed would change a few cents on multiple occasions making this account look as if it is recent when in fact the account is 7 years and 6 months old and should not be on my credit report anymore. As well as the payment dates have been manipulated. Both other credit bureaus have removed this account as it is too old to show on my credit report. Equifax removed it recently in the past 2 weeks and then put it back on my report. Equifax has been very uncooperative and refuses to see that this should no longer be on my report. Every time I have disputed this with Equifax my credit score has plummeted. They have penalized me every time this account was disputed. And my credit score again just dropped 120 points. A 7.5 year old account in now way should be affecting credit this adversely even IF it was still on my credit.
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I started a dispute with XXXX and Equifax. Equifax mailed a prove of identity, for th4 name XXXX XXXX XXXX. I am XXXX XXXX no middle initial, I don't have a XXXX for middle initial. I received dispute results from XXXX with information that I have no knowledge of, that does not belong to me.
Complaint sub-issue: Used obscene/profane/abusive language

I was called from an unknown number and was told they were a " Legal processing center, '' and there was concern about a legal case I was involved in. I asked for the name of the legal processing center and they led me to believe it was a governmental organization. The person speaking said his name was  XXXX   XXXX . He gave me a case number and the name of "  CFM   XXXX   XXXX  , ''  with a phone number. I called the phone number,  XXXX  "  XXXX   XXXX  '' answered the phone and was speaking in cryptic language about my " case '' which had a " red flag '' attached to it. I asked if it was an attempt to collect, and he said " collect what sir? '' I said, " Is this a collections call? '' and he said " NO, THIS IS N'T A COLLECTIONS AGENCY. '' I was led to believe there was a legal issue that I had to address because they blatantly lied to me. Knowing tha t collectors are not supposed to implement tactics like this, I did not believe they were collectors and therefore did  not supply them with any information.
Complaint sub-issue: Debt is not yours

Cbna/Sears I have never had an account with them note have I ever shopped in/from Sears in-store or via internet this has to be a mistake
Complaint sub-issue: Trouble getting, activating, or registering a card

Trying to activate a new card but when I call the number on the card and puts me on hold and ask to wait for the next worker. I have call on XX/XX/20 from XXXX to XXXX, XX/XX/20 at XXXX to XXXX and called on XX/XX/20 at XXXX to XXXX and I have not gon na a single person. There is no other way to activate the card and so im stuck at what to do cause now my money won't have anywhere to go.
Complaint sub-issue: Overdrafts and overdraft fees

Thank you for letting me share with you my extreme disappointment with US Bank. I used the above account to only transfer funds every two weeks to my ex wife. The amounts have varied becoming less since my divorce was 12 years ago and did not include bonus payments. My divorce decree ended on XX/XX/2021 and there was only XXXX cents in the account. It was to my great surprise to receive notification on XX/XX/XXXX that US Bank went into an overdraft line of credit to wrongfully transfer {$2100.00} to my ex wife against my wishes. I never set up overdraft protection on this account and had the experience with this account in the past that if I did not have enough money in the account that I would receive an angry message from my ex that she did not receive her money. 

After made aware of this mistake, I spoke to various people at US Bank requesting that they claw the funds back because it was one US Bank account to another US Bank account. I was told by XXXX XXXX NMLS XXXX to speak with the branch manager, XXXX XXXX NMLS XXXX. She was extremely unhelpful and provided me with a pamphlet, Your Deposit Account Agreement effective XX/XX/2021 and stated that US Bank had the authority to place overdraft protection. Again, I opened this account 12 years ago and would never have agreed then or in 2021 to provide overdraft protection on this account. I also spoke to XXXX XXXX, my corporate personal banker who also stated that there was nothing that he could do to rectify this situation. 

I have been a US Bank client for the past 27 years and could not believe how dismissive each and every interaction that I had with these representatives of US Bank. After being threatened with overdraft fees and collection agency, I decided to close the account with XXXX XXXX on XX/XX/2021 and paid the amount of {$2100.00}. It is my viewpoint that it cost me {$2100.00} to do business with US Bank and will do my best not to find myself in the same situation in the future. 

Thank you for reading to the end. 

Sincerely,
Complaint sub-issue: Card was charged for something you did not purchase with the card

XX/XX/2022 my Sallie Mae credit card was fraudulently used in XXXX  at a XXXX XXXX to purchase over {$900.00} in products. I live in XXXX and have never been to XXXX outside the XXXX XXXX. Sallie Mae approved this large {$900.00} transaction in a different state when the credit card hadn't even been used the prior 2 months. The XXXX XXXX employees allowed a purchase to be picked up without verifying ID or credit card. I did not authorize or approve this transaction, nor did I share my personal and credit card information ( other than typical online purchases ) with anybody to allow for this transaction to happen. I reported the fraudulent transaction to Sallie Mae immediately. They cancelled the card, sent out a new one, and started the investigation. A month passes and I receive an email from Sallie Mae stating that they believe this was a valid transaction. And because I know it's not, I am disputing their investigation. Under no circumstances will I pay this bill to Sallie Mae. I will take them to court over this if I must, they will not ruin my flawless credit history with their inept investigation. A week before this Sallie Mae fraud I also had 3 other credit cards that were fraudulently used- XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In the attached letter I add more info.
Complaint sub-issue: Their investigation did not fix an error on your report

Reporting Agencies and failing to comply with the Federal regulation. I previously ordered a copy of my u [ dated Credit report from XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX, and XXXX has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. I am urging the Credit Reporting Agencies to check the payment history, date open, last activity and Status of the Accounts ; XXXX XXXX Balance Owed : {$340.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$160.00} XXXX XXXX XXXX Owed : {$2500.00}, as I believe these accounts are reporting in error.
Complaint sub-issue: Account status

I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received. 
This item ( identify item disputed by name of source, XXXX XXXX. ) is ( inaccurate ) because ( describe what is inaccurate or incomplete and why This ITEM WAS A CHARGE OFF XX/XX/2011 ). I am requesting that the item be deleted ( or request another rapid score ) to correct the information. Enclosed is a copy of the my recent of my credit report, item # 2, supporting my position. Please re-investigate this matter and ( delete or correct ) the disputed item as soon as possible. Also the collection agency are still reporting payments late since 2011 until now.
Complaint sub-issue: Their investigation did not fix an error on your report

Hi I didn’t apply for a discover card dated back XX/XX/XXXX and I didn’t accept this card in my name and it has two phone numbers it don’t belong to me in my name .... and discover completed there investigation and find it that I was responsible for this account but they never called me or send me any letters at all and I didn’t apply for this card ... but I wasn’t held responsible on two previous discover accounts and I have the letter and the proof they send me in the mail on XX/XX/XXXX on another discover account ...Discover has been giving me a hard time and they have rude customer service and they never ask for police report and never called me ... I want this account to be temporary removed off my credit report while they do there second investigation ....
Complaint sub-issue: Reinserted previously deleted info

On XX/XX/2017 I sent all XXXX credit bureau letters to verified or removed items from my report According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Its 30 days later and still have n't got any response.
Complaint sub-issue: Investigation took more than 30 days

As a federally protected consumer, I am aware that you lack legal standing ; you can not hire an attorney to represent you. I will seek a default judgment, and you will join a class action lawsuit seeking damages for violations, stress, and mental anguish, as well as at least 1 % of the company pursuant to XXXX XXXX OR ANY OTHER AMOUNT OF DAMAGES PURSUANT TO XXXX.
Complaint sub-issue: Investigation took more than 30 days

I first disputed inaccurate inquiries with equifax and they came back verified. I then sent a method of verification request exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). According to federal law they must provide a response within 15 days of receiving that letter. Well I have proof via USPS CERTIFIED MAIL that equifax received my letter on XX/XX/2022 and here is the tracking number XXXX Till this day XX/XX/2022 i have not received any form of communication with the credit reporting agency equifax thus they took longer than 15days which in fact is a VIOLATION OF FCRA. I demand they remove the inaccurate unverifiable inquiries by these lenders XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX if not i will gladly enforce litigation and take equifax to small claims court in XXXX XXXX MN for playing with my privacy and credit report and for violating federal law. I will request {$1000.00} per inaccurate unverifiable items and i am 100 % certain i can prove to a judge these items are inaccurate and equifax has violated law. 

IF Equifax does not respond appropriately to the CFPB complaint and correct the errors on my credit report within 14 days A lawsuit against equifax WILL be FILED IMMEDIATELY.
Complaint sub-issue: Their investigation did not fix an error on your report

The company has responded that it is still working on your issue and my credit score dropPed 70 points cause i reported this to CFBP?
Complaint sub-issue: Account information incorrect

XXXX  XXXX # XXXX is reporting an account to my credit with a balance that should not be on there. This has been paid off for some time and is still reporting a balance and I need this removed off of my credit.
Complaint sub-issue: Debt is not yours

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, in fact exists.
Complaint sub-issue: Trouble with how payments are handled

My loan payments have not been applied according to my instructions to apply any excess payments towards a principal, rather than future payments. 

On XX/XX/XXXX, I received my monthly bill totaling {$370.00} for my student loan payment due XX/XX/XXXX. 
On XX/XX/XXXX, I provided FedLoan Servicing directions on how to apply my payments toward my student loans. I used the CFPB template to provide these instructions On XX/XX/XXXX, I received notice from my loan servicer that these standing instructions were approved. 

On XX/XX/XXXX, I made a payment towards my student loans of {$400.00}. This was {$24.00} in excess of my bill. None of the payment was applied to the principal on my loans. 

On XX/XX/XXXX, I received a bill for {$370.00} due XX/XX/XXXX. Which included the statement " You previously made payments in excess of the amount that was due. Therefore, you currently have a reduced payment due this month. '' This is counter to my instructions that any excess payments be made to the principal, not future payments. 

On XX/XX/XXXX, I contacted my student loan servicer to request that they change how my payment was applied, in accordance with my instructions. 

On XX/XX/XXXX, I received a response from my loan servicer which read " Your Standing Instructions for all future payments have been approved, however, there were no additional funds from your payment of {$400.00}, submitted on XX/XX/2017, to be used towards any of the principal balances as it was applied to the outstanding interest on the account. When we receive a payment, we apply it to any outstanding interest and the remainder is applied toward the principal balance. Interest accrues daily based on your principal balance. The lower the principal balance, the less interest that accrues. ''
Complaint sub-issue: Information belongs to someone else

I have disputed the error of XXXX XXXXXXXX three ( 3 ) times, reporting I falsely owe this company {$2300.00} to XXXX XXXX  hospital. I have contacted XXXX  hospital and because they DO NOT request IDENTIFICATION upon registering consumers, I have been SELECTED to pay unknown medical bills for services I have NEVER used. I am entitled to an accurate credit report and this company is reporting FALSE information under my name.
Complaint sub-issue: Their investigation did not fix an error on your report

I do not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? there is no full account number, how is this listed with no account number? whe was last activity of the acount? if this was charged off then there needs to be a cancellation of debt 1099, you can not collect on debt that has been charged off i need accurate data points NOT REPORTING ACCURATELY ACROSS ALL BUREAUS please remove I have been XXXX XXXX XXXX  for a year and alot of abuse was done to my credit15 U.S. Code 1681i - Procedure in case of disputed accuracy 15usc i1681i Tab/Sunbit Tab/Sunbit ( Installment ) Accounts - negative accounts - Summary XXXX XXXX XXXX Last Updated XXXX, XXXX Payment Status Charged off as bad debt Worst Delinquency None Reported Balance {$120.00} Credit Limit XXXX XXXX XXXX Closed Date XXXX XXXX XXXX XXXX Open Date XXXX, XXXX Last Activity XXXX, XXXX Terms Scheduled Payment High Balance {$1400.00} Loan Type Unknown Responsibility Individual Account Company Name Tab/Sunbit Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Comments Unpaid balance charged off
Complaint sub-issue: Information belongs to someone else

XXXX XXXX and XXXXXX/XX/XXXX are the same account and are not supposed to be on my report and its the same account but on the report 2 times ... That is illegal and is causing damage to my score. The accounts need to be removed. has been removed from My credit report FromXX/XX/XXXX after it found the account was not mine. XXXXXX/XX/XXXX has been removed from My credit report From XX/XX/XXXXafter it found the account was not mines.XXXX XX/XX/XXXX has been removed from My credit report From XX/XX/XXXX after it found the account was not mines.XXXX suntrust credit cards has been removed from My credit report From XX/XX/XXXXafter it found the account was not mines.both cards XXXX and XXXX XX/XX/XXXX has been removed from My credit report From XX/XX/XXXX after it found the account was not mine. XXXX XX/XX/XXXX has been removed from My credit report From XX/XX/XXXXafter it found the account was not mine. XXXXXX/XX/XXXX inquiry has been removed from My credit report From XX/XX/XXXX after it found the account was not mine. 

syncb inquiry has been removed from My credit report From XX/XX/XXXX after it found the account was not mine. 

regions inquiry has been removed from My credit report From XX/XX/XXXX after it found the account was not mine. 

XX/XX/XXXX have been removed from My credit report From XX/XX/XXXX after it found the account was not mine.
Complaint sub-issue: Investigation took more than 30 days

i have reached out several times i have sent police reports and identity theft reports please help
Complaint sub-issue: Information belongs to someone else

I am demanding these accounts to be removed from my credit report. It has made it extremely difficult to get approved due to these delinquent accounts.
Complaint sub-issue: Received bad information about my loan

Citibank is reporting the wrong default date. I graduated XXXX, I had a 9 month grace period before I was in default I never made a payment. My default date should have started XXXX/XXXX/XXXX on all XXXX of my loans. They are not reporting it as such on my credit. I want them to correct that date. my 7 year period has ended.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

When I tried to purchase tickets on XX/XX/10, this AA credit card offer showed up. It showed that I would get additional miles and {$200.00} credit. When I receive the statement, there was no credit applied and no additional miles were received. Citi is committing fraud asking customers to open card and then coming up with excuses not to apply credit. 

See the attached for the offer that showed to me and other consumers. It's wrong!
Complaint sub-issue: Was not notified of investigation status or results

I submitted a letter on XX/XX/2021 about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 60 days. I feel as though I'm being used and that my complaints are being ignored. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.