Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: No notice of investigation status/result

I noticed an unknown public record on my report, showing under Equifax and XXXX. I wrote letters two times to both bureaus, asking to investigate this information and to have it removed from my report. I was waiting 45 days between letters as I was directed, but unfortunately they did not respond. No investigation was made and the Public record is still showing on their reports and affecting my credit badly. I am unable to move forward financially as a result of it and causing me a lot of XXXX.
Complaint sub-issue: Information belongs to someone else

The credit card companies such as XXXX XXXX and XXXX XXXX are reporting accounts to XXXX illegally. These are fraudulent accounts and needs to be blocked by the bureau permanently as I fight to get these off my report. I am a victim of identity theft and the credit card companies are being very hard to deal with. I am the victim here and I am being made to feel as if I do not matter and they can do what they want. I am retaining an attorney to sue them separately. 

In the meantime my credit should not have to suffer as the Credit reporting agencies have the power to delete and block them. I request they do so. Attached is a copy of the police report as well.
Complaint sub-issue: Information belongs to someone else

The account reporting from XXXX XXXX is not my acount. Account number XXXX
Complaint sub-issue: Account status incorrect

I have complained previously about XXXX XXXX reporting a 30 days late ( in XX/XX/XXXX ) on actually day 29 ( not 30 days late ) wthe furnisher received notice of a credit dispute from a credit reporting agency, and ( 2 ) the furnisher thereafter acted in willful or negligent noncompliance with the statute.XXXX is in direct violation of federal laws. all the agencies have done asked the XXXX ( furnisher of the report ) to verify the information and XXXX verifies they are reporting correctly however that is FALSE. 
15 U.S.C. 1681s-2 ( b ) imposes a duty on furnishers of information to investigate disputed information after receiving notice of a dispute concerning the completeness or accuracy of information from a consumer reporting agency. the furnisher ( XXXX XXXX received notice of a credit dispute from a credit reporting agency, and XXXX XXXX  ( the furnisher ) thereafter acted in willful or negligent noncompliance with the statute. still reporting on day 29 instead of day 30... XXXX has willfully neglected to report correctly and therefore is in violation of 15 U.S.C. 1681s-2 ( b ). 
All there agencies named here ( XXXX, Equifax, XXXX ) pursuant to 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, have failed to establish or follow reasonable procedures, and for failure to delete inaccurate information.

ee 15 U.S.C. 1681e ( b ) ( " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. " ) ; 15 U.S.C. 1681i ( outlining procedures for credit reporting agencies to follow in the case of a disputed accuracy ). See also XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX ) ( " XXXX XXXX claims against XXXX under 15 U.S.C . 1681e ( b ) and 1681i are due for dismissal because those provisions apply only to consumer reporting agencies. " ). 
If the agencies continue to not properly investigate the late 30 days reporting incorrectly by the XXXX on XX/XX/XXXX ( late 30 days ) I am left no option but to bring a federal lawsuit for damages against each agency under Fair Credit Reporting Act ( " FCRA '' ) for injury to reputation or creditworthiness for over a {>= $1,000,000}. 
XXXX can not report alate 30 days date, when they had payment in their possession on day 30. 
XXXX continues to reprot a late 30 days in XX/XX/XXXX which is incorrect information
Complaint sub-issue: Information is missing that should be on the report

After reviewing my annual credit report I noticed that you have violated the FDCPA as well as FRCA the required noticed of dispute is missing this information has to be enter within 30 days of a completed investigation or it has to be deleted from the consumer credit file Equifax and XXXX when XXXX XXXX XXXX remove this violation please send me a updated copy of a credit report
Complaint sub-issue: Problem during payment process

This is a complaint to Citibank regarding my payment on XX/XX/XXXX, paying off my balance in full and receiving confirmation in that regard.
On XX/XX/XXXX, I called Citibank regarding payments I had made previous to XX/XX/XXXX that Citibank had reversed. I have still yet to see the ACH reversal codes in this regard as I have requested via fax. On that particular phone call, I spoke with a representative in the payments investigatory department or equivalent named " XXXX '' about this issue as the previous representative was unable to assist me.
XXXX agreed to submit my payment over the phone from my financial institution in the form of a check draft or direct ACH payment. This was performed at approximately XXXX XXXX You can pull the recorded call to review that conversation.
On XX/XX/XXXX, four days later, I spoke online via secure chat with a representative " XXXX '' inquiring about why my balance was at XXXX, as well as the payment due section ( {$0.00} due ), but my available credit was not yet showing up at {$1000.00} where it should. I have copied this conversation to a Word document and will attach it to the appropriate section of this submission.
In this chat, I was clearly informed my payment to Citibank in the amount of {$990.00} has been cleared and received by Citibank, paying off the account balance in full. I specifically asked if Citibank has been paid this said amount and was told ( see the chat transcript ) " Yes, XXXX '', that they have been paid this amount.
This behavior is unacceptable. If I am told my payment has been received, Citibank has been paid, and effectively my account is paid in full, that is what I expect just as any other Citibank account holder would expect. I am demanding an explanation as to why I was lied to in this regard, and when my account balance will show as paid as I was previously informed.
Complaint sub-issue: Account status incorrect

I ordered a copy of my report in XX/XX/2022 and I found out that credit reporting agency still indicate my dispute of information in my credit report. As of todays date, the Equifax to answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX I believe it was reporting in error.
Complaint sub-issue: Trouble with how payments are being handled

Essentially I dont have the funds available for room and board and I essentially borro0wed enough to deal with this issue and nothing is being done about it in fact i feel my civil rights have been obscured.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX shows on these dateXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXXXXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX No actions were taken by the company
Complaint sub-issue: Threatened to arrest you or take you to jail if you do not pay

a rather unfamiliar company contacted my ex wife 's father, my aunt, my mother, and my sister, my workplace and my home phone to try and collect a debt that i am unfamiliar with and it is NOT LISTED in my credit report one, and two threatened severe legal action in an abrasive demanding tone and hung up on me only to call me 5 more times that day.. i demanded the documentation for the debt as per my right to know who i owe and how much and was told that she didnt have the account information and would not mail me the papers.. in my eyes it is not in my credit report or debt report at all and the amount is pretty heinous over {$1000.00} for a " payday '' loan but i dont qualify for ANY loans ... im recovering from a divorce and dont qualify for lending or financing anywhere
Complaint sub-issue: Funds not handled or disbursed as instructed

I opened a checking account online & it told me I was approved. I got the welcome package paperwork & received a debit card & an ATM card. I set up direct deposit with the company I've been working at for 17 year. It was deposited into my new Citibank account but when I called to activate it, they told me there were some identity issues but would not let me provide anything other than the driver 's license and social security card I provided when opening the account. They told me they were moving the money over to savings & that I have to wait 30-60 until my account closes & then another 15 business days before I will receive my money. This is unacceptable because it is their fault. They could have rejected the deposit & sent it back to my employer. It has now been a month with a XXXX XXXX XXXX  child, and I still don't have my paycheck. Nothing is being done.
Complaint sub-issue: Information belongs to someone else

I recently had my credit profile pulled. Upon looking at this report I have noticed there are accounts that are not mine AND accounts reporting late payment history
Complaint sub-issue: Information belongs to someone else

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Complaint sub-issue: Talked to a third party about my debt

I was contacted on my personal cell phone number regarding an alleged debt owed by my girlfriend. She has been receiving harassing phone calls from this entity for weeks. The caller identified as XXXX from EOS CCA ( http : //www.eos-cca.com/ ) but he refused to provide additional information regarding the purpose of his call, the nature of the alleged debt, how my number was obtained, or any other matter. He called from XXXX. There is no legitimate debt to collect and this contact of third parties ( i.e., myself ) is totally unwarranted. Neither I nor my girlfriend have had any business interaction with EOS CCA and there is no reason why they should be harassing us with repeated phone calls.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

1. There is a hard inquiry on my credit from a company named " Corelogic ' on XX/XX/XXXX, 2. There is a hard inquiry on my credit from a company named " XXXX XXXX ' on XX/XX/2019 XXXX
Complaint sub-issue: Account information incorrect

I recently pulled my credit report from all 3 bureaus and found many errors that I have requested to be updated or removed and the bureaus are not doing as I ask. They will simply put a statement that says " Meets the requirements of the FCRA '' but it does not meet the requirements when section 602 is being violated. I ask for physical, documented proof that these accounts are mine and they REFUSE to provide the information requested. 

1. A company by the name of XXXX XXXX is reporting a XXXX  XXXX account that has been turned over for collections. They list is as being opened on XXXX but no inquiry shows up on my files to show that I even applied for an account with XXXX XXXX because I never had an account with them that was a sole account of mine. When I call this company they will not provide me with the original contract, why? Because NO CONTRACT exists. The credit bureaus are in pure violation of Metro 2 Compliance that specifically says all information being reported to the credit bureaus must meet certain and proper formatting and they do not. Much of the information is missing and this is a Metro 2 Compliance violation. This account with XXXX funding is only listing XXXX no one can legally contact XXXX XXXX with such account information and therefore it is incomplete and a major violation. 

XXXX. XXXX XXXX is reporting an account, once again the bureaus say it meets the requirements of the FCRA, I am demanding written proof, meaning a hand signed contract that says this account is mine. I have never had verizon and yet they are reporting this on my files. Also incomplete and missing information makes it very hard to validate so once again a Metro 2 Compliance violation is taking place. The only thing being reported is a partial account listed as XXXX this is not a valid account number and needs to be removed immediately or send me verification in the form of a signed contract from the creditor showing this is mine. 

XXXX. Also they each have many old addresses being reported on my files along with many names that are incorrect and need to be removed. The only thing that should be reporting is my current address of XXXX XXXX XXXX Colorado XXXX, CO XXXX, and XXXX names XXXX XXXX and XXXX XXXX XXXX. 

Immediately removal of the above information is demanded or I want them investigated for FCRA Violations. 

3.
Complaint sub-issue: Problem with personal statement of dispute

I cancelled XXXX XXXX summer of XXXX due to their system being unreliable. I paid the final bill which i have a copy of and also returned their equipment. 

They said if had to pay {$290.00} additional for cancelling the contract before end of term. I told them since they could not supply reliable stable service they had breached their contract. I told them i would pay the final bill of {$110.00} and return their equipment. Which it did. 

they turned me over to a collection agency which has been harassing me for several months now. They reported me to XXXX and they placed a derogatory item on my credit report. 

I asked XXXX to remove the item as I do not owe XXXX XXXX anything. XXXX owes me {$1000.00} rent for leaving their antenna on my roof which they have not removed after several written requests. 

I asked XXXX be required to remove the item and their collection agency be ordered to stop calling me. The agency is : AFNI, INC. 

Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Account Number : XXXX I also want XXXX to pay me {$1000.00} rent for their equipment on my roof they have failed to remove. 

Best regards, XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I want to report some hard inquiries that are not mind the frog I called the credit bureaus and they told me that I needed to get a report done and so Im doing that right now XXXX is the first one XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX phone and inquiry happen XX/XX/XXXX Connection cord is XXXX XXXX  XXXX XXXX in XXXX XXXX XXXX, XXXX XXXX FL XXXX no phone number available inquiry was XX/XX/XXXX The next one is a XXXX Inquiry is XXXX the address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone number is XXXX XXXX not sure if I previously reported these so Im gon na letting you know ahead of time XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone number XXXX this inquiry was on XX/XX/XXXX Next one is XXXX XXXX XXXX  address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NV XXXX telephone XXXX XXXX next one is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX Texas XXXX one phone number XXXX XXXX XX/XX/XXXX The next one is the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX number XXXX inquiry XXXX XXXX
Complaint sub-issue: Information belongs to someone else

XXXX XXXX is reporting on all 3 of my credit reports I never have opened any accounts with XXXX XXXX I reached out to XXXX XXXX asking them to remove this account from my credit reports. They were unable to locate any accounts with any of my information. Was told they are a prepaid card and dont report to credit bureaus but yet they have a account posted on my bureaus that is negative affecting my credit
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

XX/XX/XXXX XXXX XXXX and XXXX starting call me and my relatives misrepresenting themselves as a law firm hired by US bank to collect on a d debt and that if i dnt pay the amount they would sue me in court and report my debt to all credit reporting agencies. This harassment was so unprofessional and needs to stop. The calls to me and my relatives needs to stop. The treats of ruining me needs to stop and this collection agency needs to stop representing themselves as a law firm working for US Bank. I have never been informed of this debt that supposedly took place in 2010 11 years prior. I have never had any correspondences in the past about this matter until this company XXXX XXXX and XXXX contacted me and my relatives and sent me a email. I tried to locate the company with the address they provided on the letter in the email and no company could be found a this address. the receptionist is states they are many law firms but wouldn't clearly identify themselves. I don't even believe this debt is mine.
Complaint sub-issue: Account status incorrect

The account was closed by the guarantor and paid off in full but still reporting negatively.
Complaint sub-issue: Investigation took more than 30 days

I have submitted disputes to you and didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you
Complaint sub-issue: Information belongs to someone else

Affidavit Of Truth To Update Information XXXX XXXX NOTICE AND DEMAND TO UPDATE INFORMATION From : XXXX XXXX Street Location : XXXX XXXX XXXX XXXX City & State : XXXX , PA XXXX To : DISCOVER FIN SVCS LLC Address : XXXX XXXX XXXX City & State : XXXX XXXX DE XXXX Zip Code : XXXX REF : Your correspondence purporting to allege LATE PAYMENT DISCOVER FIN SVCS LLC Account # XXXX NOTICE OF CLAIM UPDATE NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT APPLICABLE TO ALL SUCCESSORS AND ASSIGNS *******SILENCE IS ACQUIESCENCE******* _____________________________________________________________________ I XXXXXXXX XXXX XXXXXXXX , A XXXX, non-Adverse, XXXX, non- combatant party and Executor with FULL LIFE am in possession of your recent voluntary submission of evidentiary documents. 
DISCOVER FIN SVCS LLC is in violation of 15 U.S. Code 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
DISCOVER FIN SVCS LLC have reported to XXXX, XXXX, and XXXX a late payment on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : 1. Update all payments to exceptional 2. Apologies to me in writing Failure to comply will result in a violation 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Complaint sub-issue: Public record information inaccurate

LexisNexis has not properly investigated the public record items below. I am requesting they be removed from my report pending a thorough review.
Complaint sub-issue: Information belongs to someone else

I am sending this final goodwill letter in regards to a reoccurring problem by the credit bureaus and creditors continue to place inaccurate information and errors on my credit file. I have contacted each credit bureau by mail sending certified letters, previous recorded phone calls with supervisors and managers that I have on record, a complaint with the FTC, a law suit filed against all 3 credit bureaus along with a separate law suit against the creditors listed in the letter I have attached to this complaint. This is my final attempt to reach you. Please read the letter carefully and take it as a serious matter. It is not a threat, its a final good will letter.