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

I have submitted a dispute on three accounts in collection with Equifax in XX/XX/2020. I have not received a status update its noted pending. Most recently, I submitted another dispute to the companies for incorrect reporting, since I do not owe the amounts reported. Both XXXX   and XXXX  has removed these three collections off my credit report after I submitted the dispute XX/XX/2020. After speaking with a rep at Equifax they refuse to take immediate action by removing these accounts from my credit report but rather stated I should submit another dispute which I have done last week. However since I havent received a status update within the timeframe of my dispute ( 30 days ) these collections should be removed immediately from my credit report and Equifax refuse to do so which is impeding my credit score.
Complaint sub-issue: Investigation took more than 30 days

Several laws where broken by under the FCRA under your company I can't get a job I can't Obtain Credit, Housing, Car loans this has cost me financial injury.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/XXXX to XXXX and Equifax to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX and Equifax are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXX XXXX Balance : {$670.00} ; XXXX XXXX XXXX FL XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX
Complaint sub-issue: Reporting company used your report improperly

I received a copy of my credit report and found the following item ( s ) to be in error. You also do not have any permissible pupose to furnish my personal information to any third party.

15 USC 1681b Permissible purpose 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 instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

The physical description of the person they delivered the summons to for XXXX XXXX and XXXX XXXX doesn't even match mine. These guys are collecting on straw man accounts. They haven't been able to provide a single signature on the accounts in question. To me, the copies of the bills are fake, the letter stating I was being informed that my information was being sold to XXXX XXXX and XXXX is made up, nobody can provide me with delivery confirmation receipts or certified mail receipt. Aren't even able to provide copies of payments they claim were made to the account. Where are copies of canceled checks or bank account numbers associated with payment? These guys steal money from people without any proof. I was able to create/duplicate these bills very easily with software. I think that's all they did and now they're just hoping people fall for their scam. 

Why does your website look like a XXXX XXXX XXXX put it together? You guys steal enough money that you should try hiring a decent web designer so, maybe people don't question your legitimacy. These guys are nothing buy thieves. 

I don't know who the blonde with perfect eye sight was that you gave the summons ' to but, it most definitely wasn't me. 

XXXX also is now illegally reporting my address to someplace in New Jersey and XXXX XXXX and Johnson Mark are now sending collection notices to my attorney 's personal residence. They don't even have my address because I'm afraid they will continue harassing me on these bogus debts. 

I have had to move as a result of their clients illegally sharing my address with people. 

XXXX XXXX  actually just freely handed out my attorneys address before I even mentioned anything about an address. This is why nobody has my actual physical address and nobody will. This is also how identity theft happens. These are accounts are all a result of identity theft and after dealing with these scam companies, I now understand why identity theft is so rampant. They just freely give out PII without any verification.
Complaint sub-issue: Information belongs to someone else

There are inaccurate debts on my credit report which is hindering my choice of getting housing for my XXXX  and I. I have disputed these inaccuracies for three years, and the credit collections have yet to send me the original contract bearing my signature and what method is being used to verify these false debts. These credit collection companies are not adhering to The Fair Credit Reporting Act. It's been three years that I've been requesting the validity of these debts belonging to me, and they can't verify anything. I DO NOT WISH FOR ANY INFORMATION TO BE VERIFIED VIA E-OSCAR!!! Please speak to real people so that I can get real results!!! These inaccurate reportings are hindering me being a mother and providing housing.
Complaint sub-issue: Public record information inaccurate

CoreLogic disclosed information to XXXX XXXX XXXX. I call and requested a copy of the report. I was told that it was not on file. I am requesting a copy of file from CoreLogic and a deletion of my file from all credit bureaus, XXXX, XXXX, XXXX. I have placed a security freeze on my CoreLogic information XX/XX/2018 the information was solicited XX/XX/2018.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/XXXX, I said in my dispute : I did receive medical care but I had XXXX because I was XXXX  and unable to work! This debt was incurred because the insurance coder at the medical facility entered in my insurance info incorrectly or failed to enter it in. I never received any bill or other communication from this facility so I thought the bill was paid by Medicaid as it should have been. Now they have turned it over to collections when I was never even notified. I tried to contact the hospital to get them to run my insurance info but they wouldn't because this was in XXXX. It is their employees fault and I am not responsible for this debt! I had no income due to XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This is in collections, the only collection I have. Collection Agency : XXXXXXXX XXXX XXXX Original Creditor Name : XXXX XXXX XXXX XXXX Amount {$520.00}. 

Company responded on XX/XX/XXXX : Company 's Response Thanks for sharing this information. We are closing your account and returning it to our client so it can be properly handled there. We are also deleting the account from the credit reporting agencies. 

I have been fighting to have this removed for over a year now. At this point, the debt should have been removed per the collection companys information theyre providing me but I have disputed this debt with Equifax multiple times & they keep coming back saying the debt has been verified by the collection agency as accurate! The collection agency doesnt even have the debt anymore & they have requested for Equifax to remove it multiple times & they wont. The debt is from XXXX & has surpassed the statute of limitations for Virginia at this point. I want it removed from my Equifax credit report.
Complaint sub-issue: Debt was paid

debt paid through insurance, I have no knowledge of this debt
Complaint sub-issue: Personal information incorrect

Name and address is not correct if sent in a dispute letters XX/XX/2021 and haven't received a response. This is causing great stress.
Complaint sub-issue: Debt was paid

Re : Collection of previously negotiated bill from Jefferson Capital SYST Dear Consumer Protection Bureau, XXXX XXXX XXXX XXXX XXXX, MNXXXX ( XXXX ) XXXX Statement shows up on an XXXX credit report as trying to collect a bill - Account number XXXX - about which I originally Contacted XXXX to remove from my reports, as that account was paid in full and this was years ago. 

I would like to suggest that XXXX and Jefferson Capital SYST eliminate the paid XXXX bill and I would appreciate having the claim erased from my credit reports. 

Thanks for your help. 

XXXX XXXX
Complaint sub-issue: Company closed your account

I have been a Citi credit card customer for 28 years. I have an active, recurring monthly charge on the card. Today ( XX/XX/2021 ), I tried to log into the account to see if the new monthly charge had come in. I see a message that says that the account is closed. I call Citi and they say that they sent me an email ( one only ) on XX/XX/2021 notifying me that cards without a US address would be closed on XX/XX/2021. I have two addresses on file, one overseas and one in the US, as I am back and forth between both countries. Citi confirms to me on the phone that they see the US address and notes that I had even updated it in XX/XX/2021 from one state to another. Yet, they still closed my account. They inform me that they will need to run another credit report to open my account ( closed for exactly one day! ) and that it will take 5 business days ( starting Monday as today is Saturday ) for them to investigate my address (!?! ). I tell me that my one monthly recurring charge will be booked in the next five days and ask for a solution. They tell me that I will just have to contact that company and have the charge booked to another credit card. There is so much wrong about this whole story ( only one email notice, a policy that would not seem to apply to me, lack of effort / empathy to offer a solution to a long term customer ... ), but it is just bad PR for the bank.
Complaint sub-issue: Public record information inaccurate

On XX/XX/XXXX, First Progress Credit Card reported a NEW bankruptcy on my credit reports at all three bureaus. They claimed a balance of {$160.00} was still owed. 

The facts of the matter are these : I did file bankruptcy in XX/XX/XXXX in which the balance owed to First Progress was listed. The bankruptcy was discharged in XX/XX/XXXX ant the their debt was discharged also.

First Progress has no right under law to report a new bankruptcy as of XXXX XXXX where no such bankruptcy filing exists, and may not claim an outstanding balance when such debt was discharged in XX/XX/XXXX. 

In my opinion, this is a revenge filing and an attempt to collect on an uncollectible debt. All such reporting to credit bureaus should be immediately removed and the Company censured for this kind of illegal behavior.
Complaint sub-issue: Can't close your account

The name of the credit card comp any is Citi, p hone number  XXXX . In  XXXX   XXXX  and  XXXX   XXXX  I had several phone conversations with them regarding charges for purchases that I did not make. They agreed that I should not be charged and, at my request, closed the account.     Then, on  XXXX   XXXX ,  XXXX , I received an email fro m Citi informin g me that I owed money on a card. Remember, my account had been closed in  XXXX , plus I never and do not have a card ending in the  four digit s shown on the email. I called immediately and was transferred twice and complained to  Citi about th is. Finally, a customer service rep put me on hold for an hour while he " checked into it ''. He said there was no one in the office that could help me at that time but he would call me back the next day. He never did.     Then on  XXXX   XXXX ,  XXXX , I received yet another email telling me that my charges have INCREASED TO {$97.00}. The amount of money is not the issue. The issue is this is fraud. If I pay it, what assurance do I have that they will not continue to charge me for more cards that I do not nor never did have?     I called  Citi a gain on  XXXX   XXXX ,  XXXX . They told me there was not even a record of my complaint regarding the  XXXX   XXXX ,  XXXX  email but that the " system '' indicated I owed money on this card I never had. Again, there was no one in the office that could help me.
Complaint sub-issue: Debt was paid

XXXX XXXX XXXX sent {$130.00} to my credit and i had medicaid insurance at the time to cover my medical expenses
Complaint sub-issue: Reporting company used your report improperly

ALL THE ACCOUNTS I LIST HAS VIOLATED MY RIGHTS 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  In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

ALL THE ACCOUNTS IN THIS MESSAGE BELOW HAS VIOLATED MY RIGHTS 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 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 crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-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: Information belongs to someone else

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX ... XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Complaint sub-issue: Didn't receive enough information to verify debt

In review my XXXX  report ; I found this debt was from a eviction from a private landlord, i.e. Original Creditor : XXXX XXXX XXXX that was over 7 years ago ; it went to court in Washington State and there was a judgement ; to which was never resolved due to major discrepancies with this landlord that was not following laws. 

On XX/XX/2019 the original creditor XXXX XXXX XXXX sent this uncollectable debt to PUGET SOUND COLLECTIONS. This can not be collected, the original creditor knows that and the collection agency should know that.
Complaint sub-issue: Charged too much interest

about a month ago I filed a complaint to discover card through this same company and they want to give me a lower interest rate on things I will buy not what I already bought .That isn't helping me pay this off why cant they lower the interest rate on my bill I am trying to pay off.The rate is 20.49 % on purchases and 26.49 % on the cash advance I had to take out so out of the XXXX I am paying XXXX is going on the principal.so how am I ever supposta pay this off and I cant believe the government doesnt step in and do something about the high interest rates
Complaint sub-issue: Information belongs to someone else

I applied to CitiBank for a XXXX XXXX XXXX. The letter of denial is 100 % lies or incorrect information. They say XXXX  is saying all that ; however, XXXX and XXXX  don't have a direct person that can help me. I also have a XXXX CitiBank Visa. I have 100 % payments on time record. My score with Equifax is XXXX! 
CitiBank is falsely saying : XXXX. I have filed a bankruptcy, I NEVER HAD! 
2. CitiBank says I have existing and previous accounts with XXXX that have a history of late payments ; this includes credit cards.

3. The credit privileges on my existing accounts ( s ) are currently restricted. 

All of the above reasons are all false. CitiBank says the information is based on XXXX XXXX XXXX 2002, XXXX, TX XXXX. I have tried to contact XXXX and Experience ; however, they are not reachable. I've even tried to contact corporate, XXXX XXXX XXXX. And when I requested a report, XXXX told me I have already a login. I tried to login and they told me it was incorrect. I requested the password and login, but XXXX never sent the email I gave them XXXX.
Complaint sub-issue: Investigation took more than 30 days

This is my 2nd request with the CFPB. 

On XXXX I sent a letter to XXXX, Equifax, and XXXX regarding inaccurate and negative information on my credit report. 

It has currently been 53 days and I have yet to receive a response. I feel like I'm being taken advantage of and my disputes are being ignored. 

Section 611 ( a ) plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. 

It has been over 53 days so they be deleted promptly. 

I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. 

My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Unable to open an account

I have tried multiple times this year to open a virtual wallet account both online and in the branch to no avail. I was told I had a previous account that I needed to pay off, and have done so nearly a year ago and yet I still can not open an account and no one know tell me why, I have pulled the credit report agency they use and there is no negative information listed.
Complaint sub-issue: Card was charged for something you did not purchase with the card

Used atm to get XXXX cash, receipt shows requested XXXX dispensed XXXX ... .Transaction is not approved! ... ..communication error when receiving data. They are saying it will take up to 10 days for me to get my money back. Which they refunded the fees immediately when it was not approved but they are keeping my XXXX for 10 days ... .This is not right, they have all information and copy of receipts to show money was not given but the don't want to give me my money back right away, but they gave me the fees right away ... this does not make any sense of why they are holding my money when it should of never been taken in the first place and they know it. That money was for bills and now I'm having to pay XXXX everyday I don't pay the XXXX back ... .I borrowed this money to pay this bill and they are keeping it for no reason at all and it is causing me XXXX a day everyday they keep it. So, I want them to be responsible for these fees I'm accumulating because they won't return money they know is due me now.
Complaint sub-issue: Delay in processing application

On approximately XX/XX/XXXX I applied for. Sallie Mae credit card from an email solicitation. On XX/XX/XXXX I received an email with an attached document from Sallie Mae stating " we could not validate your identity '' and they had not opened the account. I called Sallie Mae that same day and they instead stated the reason was " the application had expired ''. I had received no communication from Sallie Mae regarding the application from the time of applying until the XX/XX/XXXX email. I was told on the XX/XX/XXXX phone call I would need to apply again which would result in a second hard credit inquiry to my credit report.
Complaint sub-issue: Reporting company used your report improperly

On XXXX Equifax dropped my credit score XXXX point due to a {$2.00} decreased via my ( secured safe building acct } ( XXXXXXXX XXXX ) On XXXX Equifax only gave me XXXX points for the same reason they decreased my score by XXXX points. please see attached
Complaint sub-issue: Account status incorrect

XXXX XXXX fka XXXX has reported my mortgage late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The home was sold and closed on XX/XX/XXXX. I have been told that it will be updating my credit report. As of now it has still NOT been corrected, nor will they provide me a letter stating that it is their error and that it is being corrected. I am trying to obtain a new mortgage and can not move forward because of them
Complaint sub-issue: Debt is not yours

HI ERC & XXXX XXXX ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXXXXXX XXXX XXXX for code of ethics violations.
Complaint sub-issue: Investigation took more than 30 days

I have filed a dispute in regards to the incorrect items on my credit report. It has been over 30 days and I haven't received any investigation results.