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

I have contacted XXXX, XXXX, and Equifax 6 or 7 times in the past few months challenging the 100 % accurate reporting as required by law of this account and each time they say its verified as accurate... i do not believe they are conducting a proper investigation,,,,,,, first off i dont even know where this account came from... .secondly it is duplicated on my report it is literally reporting twice... i have included a copy of proof... ..this is definitely a violation of my consumer rights
Complaint sub-issue: Debt is not yours

I closed XXXX account XX/XX/XXXX in XX/XX/XXXX i learn my credit score has been impacted by an unpaid bill over {$300.00}. i was never late a payment in 6 years with XXXX but now this bonus.I never received mail. I am not convinced I owe this because I have not had a phone active with XXXX since XX/XX/XXXX XX/XX/XXXX. the collection agency called a couple dozen times a day. i switched carriers because XXXX coverage was bad and they would not fix the gaps. i was missing calls.
Complaint sub-issue: Account information incorrect

Dear CFPB, I recently started using a Fidelity Visa ELAN card that I have had since XX/XX/XXXX as it offered more points. I did not realize the limit was low ( {$7500.00} ) as compared to my other cards. I had XXXX  XXXX  and XXXX charges applied. On XX/XX/XXXX I was notified by XXXX  that there was a change on my credit score-my CREDIT SCORE dropped form XXXX to XXXX ... .72 points!! I then became aware of the limit and paid the entire balance ( which was not yet due ) by Fidelity bill pay on XX/XX/XXXX which was processed on XX/XX/XXXX. I have contacted Elan and been on the phone for hours. There is NO concern for this outcome and apparently they will not notify the Credit Bureaus until XXXX of the zero balance. I have no information how long it will take to regain my credit -- -- I was considering a new home this fall and now have to postpone as I don't know how a XXXX score would affect a mortgage. 

WARNINGS TO OTHERS : 1. I have numerous Fidelity accounts and history but they do not have ANY ability to assist with problems with ELAN- you are on your OWN! 
2. ELAN customer service explanations were uncaring and vague- no advise. 

QUESTIONS : 1. How long will it take now for my credit score to return to XXXX? 
2. How does it affect your credit score to discontinue the ELAN credit card? Are you better off leaving it at XXXX unused until ELAN discontinues it? 

Thanks CFPB for your assistance in advance. I read so many bad reviews for ELAN on XXXX  and XXXX XXXX that I see I am not alone ... ..
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

XX/XX/2021 On XX/XX/2021 I sent a letter through email to CITIBank. The email is below. There has been zero communication with me that this is being investigated. According to the Federal Trade Commission The creditor must acknowledge your complaint, in writing, within 30 days after receiving it, unless the problem has been resolved. This has not happened. CITI has sent me NOTHING regarding the investigation. CITI is breaking the Fair Credit Billing Act. I will be filing a complaint with the Federal Trade Commission and the XXXX XXXX XXXX  Any creditor who fails to follow the settlement procedure may not collect the amount in dispute, or any related finance charges, up to {$50.00}, even if the bill turns out to be correct. For example, if a creditor acknowledges your complaint in 45 days 15 days too late. I will NEVER pay this. I expect these charges to be off of my account. 


XX/XX/2021 Dear Sir or Madam : I am writing to inform you about the fraudulent/scam charges on my Citi Credit Cards XXXX I am requesting that all charges be taken off my account that are related to XXXX and that any finance charges be credited from the months of XXXX XXXX 2021. I would also like to receive an accurate statement. This company has stolen my money, identification, and account numbers, without me having a full understanding that this is a sweepstakes/scam. This company does not do what they say they will do and is based out of XXXX, which is another thing this company doesn't disclose. There are so many things this company is doing that are against United States law. They don't have customers pay taxes on their winnings, they can not provide winning/loss ratios, and they dont pay out winnings in full. I also requested that this company exclude me from their services, and they did not. These things are against the law! There are numerous reports on the XXXX XXXX XXXX website that report this company as fraudulent. Also, if you believe this isnt a scam, or you or the company doesnt plan on refunding the money I would like a proof of purchase provided to me for all of the charges that I am disputing. You can also close the credit cards if you or the company doesnt plan to cooperate. I can not pay this amount of money and I will not pay it. If you dont reverse the charges, you can sell the debt to a collections agency because I am not paying it. Please investigate this matter and correct/reverse the fraudulent charge as soon as possible. I would appreciate a response from you in writing and sent through secure messages. I will seek an attorney if absolutely necessary. I will also be reporting this to the FTC, CFPB, and hope your company follows the FCRA. I am sincerely disappointed and surprised that CITI lets this company use your services. Thank you for your assistance.
Complaint sub-issue: Other problem

I received a letter of response that didnt address anything that the complaint was about. I instead received a letter that was basically an untruthful cover the company response. XXXX clearly didnt read the complaint but instead attempted to justify the lies, incorrect information, and false impersonation of your staff. On XX/XX/XXXX I called and gave my social security number so I didnt refuse to give my account number. The issue of an employee misrepresenting themselves as a manger and claiming to call me about a false investigation was never addressed. I have received several calls since XX/XX/2018 so the attempt to use something from XX/XX/2018 is a ridiculous cover up. I have called and asked for months to have the number for Credit Protection! I even had one person  tell me someone will co tact me in regards to it! XXXX the fake manager stated he was investigating the matter as he saw. The refusal and lies need to be properly addressed. I had agents state there was no credit protection and the phone call from XX/XX/XXXX is proof of that.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the fair credit reporting act XXXX  account # XXXX has violated my right 15 usc 1681 section 602 state i have the right to privacy 15 usc 1681 section 604 a section 2 : it also state a consumer reporting agency can not furnish a account without my written instruction 15 usc 1666B ; a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Complaint sub-issue: Credit inquiries on your report that you don't recognize

These credit imquiries are unauthorized and need to be removed from my credit report immediately.
Complaint sub-issue: Information is missing that should be on the report

Equifax deleted all of my positive information on my credit report I have called to try and resolve the matter and I have got nothing Equifax is working with the banks to destroy people 's credit so Banks can charge higher interest and receive kickbacks I have included my credit report updated XX/XX/XXXX where it shows my old mortgage provider and my old car provider on my credit report I'm asking for method of verification on the reason why they removed them and asking for them to put them back on my credit file these accounts I have over 20 years of credit history I'm also asking for internal transcripts on the handling of my file
Complaint sub-issue: You told them to stop contacting you, but they keep trying

XXXX calls REPEATEDLY : EVERYDAY, SEVERAL TIMES A DAY, ANYTIME OF DAY OR NIGHT and has been doing so for at least a year. I reported them before ; they stopped calling periodically. Since then, I HAVE BLOCKED THE number. With the initial call, I responded that I have no debt with their company, please remove my number, and that our number is on the Do Not Call Registry. All for nought! This has got to stop! This is a household of elderly persons -- if anyone really gives a XXXX -- with one who is XXXX XXXX!! This is s-o sad that taxpaying citizens must endure such horrific ( and unnecessary ) harassment!! Getting rid of landline phones is not an option for the majority of ELDERLY persons!!!
Complaint sub-issue: Investigation took more than 30 days

I sent letter certified to both Equifax and XXXX over 45 days ago regarding inaccurate accounts that are reporting that XXXX has already removed due to not being able to properly verify these account. I was under the impression that all reporting must be accurate as this is not the case. This is causing me more stress in my life and I would like to this matter to be resolved and not just an update that they are still working on it. According to the FCRA if inaccurate unverfiable information is not completed within 30days of receipt of the letter it must me removed. I have tracking information showing they have received my letter Equifax tracking # XXXX and XXXX  tracking # XXXX I thought you guys assist in protecting the consumers because its past 45 days and I should not have to deal with something reporting inaccurately that is no fault of my own. How is it that XXXX  was able to get this done and these two bureaus are not where is the accountability
Complaint sub-issue: Their investigation did not fix an error on your report

Im extremely mad with Equifax because they are not following the law, I have four accounts ( that are reporting to the other two credit bureaus ( XXXX XXXX ), ( XXXX XXXX XXXX ), ( XXXX XXXX ) and a other ( XXXX XXXX XXXX  ), Are these for accounts are reporting tool or three credit Bureaus as per each creditor.XXXX XXXX, XXXX are reporting these accounts but Equifax fails to report these accounts. I called Equifax multiple times letting them know about the issue also letting them know that they arent reporting anything since XX/XX/2018 they are noncompliant to the law
Complaint sub-issue: Investigation took more than 30 days

I am reaching out because I am actively working on my credit. I ordered a copy of all 3 credit reports and read over everything carefully, then on XX/XX/2020 I sent in letters to all 3 bureaus, listing each individual account and account number, and asked them to please verify all of the accounts that are on my reports and if they can not verify them may they please remove them from my report. It has been 30 days and they have not informed me of any proof or verification of the accounts. I then on XX/XX/2020 sent all 3 bureaus a certified 30 day demand to comply letter asking them to please remove the accounts from my credit report since they were not able to verify them. I have not heard anything from XXXX, Equifax, or XXXX, so this is why I am reaching out to you to file a complaint to see if you can get the problem fixed as soon as possible, Thank you.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2021 I saw a credit file added to my credit report with a late payment. Upon further investigation, I had discovered that my identity was stolen. 

A bank account at XXXX XXXX was opened in my name ( Which I was able to close and remove from my credit ), and a loan was taken out from Upgrade , Inc in my name. The loan was deposited into a bank account I hold ( which I have since changed the information on ) and subsequently the creditor was unable to get payments out of this account. 

I reached out to the company ( Upgrade financial XXXX ) and filed a case for Identity theft ( XXXX ). They have since disregarded all calls for proof of the information furnished to initiate the loan, and are continuing to report this on my credit. 

I have filed all FTC paperwork, affadivit, police report, and statement along with the required information and they still refuse to remove this from my credit. I have filed with all three bureaus in writing and they removed the debt. Thirty days later, they reinstated the debt citing that Upgrade has provided proof.

My requests for proof have gone unanswered and they are not responding to my phone calls.

I was advised through a consultation with an attorney to file a complaint with you.

I will be following up with a certified letter citing all the facts of this to Upgrade and requesting the data they are using to " Certify '' this debt as mine be furnished to me under the rights afforded to me by federal law.
Complaint sub-issue: Information belongs to someone else

EQUIFAX keeps reporting items that I gave no consent to and I demand that they be removed..They were never given permissible permission and according to 15 USC 1681a 3 & 4 that is a violation.. 
Bank XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Deposits and withdrawals

XX/XX/2018 Deposited via ATM {$1800.00} at a PNC Bank Branch in XXXX, VA into my PNC checking account. After taking my funds, the ATM immediately displayed a temporarily out of service error and my debit card was ejected shortly after. However, my account was not credited to reflect this deposit. I went into the bank to resolve this issue, but none of the employees at this bank branch has access to ATM. My only recourse is to file a dispute. The dispute takes up to 10 days to be resolve and for this entire time, I don't have access to my funds. Because of PNC 's faulty ATM, I don't have access my funds for days.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I have repeatedly benn called by Conns stating that I am past due. My credit report states that I am current with payments. I have talked to management in XX/XX/2020, XXXX XXXX and XX/XX/2020. They told me each time to disregard calls from as this was a technical error. Now i have been reported to the credit bureau without due cause and my credit score has gone down. I am seeking legal action at this time. They call frequently relative to this matter.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

You Have 2 New Inquiries 2 new inquiries were added to your report in the last 60 days, which indicates that you recently applied for credit. 

XXXX Inquiry Date : XX/XX/2019 Phone # : XXXX XXXX XXXX XXXX The above inquiry was made of me at XXXX in connection with a fraudulent, unauthorized ( not me ), and therefore entirely illegal application for credit with subject merchant unbeknownst to me until informed by XXXX. I have attempted to pursue, rectify and address the above malfeasance and transgression with the subject merchant to no avail. Therefore, I am resorting to CFPB for protection and redress.
Complaint sub-issue: Problem during payment process

Auto pay and bill pay would not go thru for payment. Mailed in payment but it was returned to me. 

Reached out to company to advise that I switched financial institutions to make sure payments could be received thru auto pay and bill pay. 

I was told account was cancelled and threatened to make the payment by the XXXX or account would stay cancelled. 

I informed representative I could go to any authorized XXXX location to ensure payment was received in timely manner. 

I was then told that my payment would be taken and I could reapply for the accounts to be opened.
Complaint sub-issue: Information belongs to someone else

Someone opened a fraudulent account in my name and needs to be deleted
Complaint sub-issue: Their investigation did not fix an error on your report

Between XXXX, XXXX, Equifax and XXXX XXXX my credit has gone down due to 2 payments of {$35.00} each and today one payment of {$41.00} it says on XXXX XXXX not made to XXXX. I havent even gotten my XXXX card yet. Ive called them twice before and again today. They claim to fix my balance and report that to the credit bureaus.but not has changed and Im fact gotten worse. My credit dropped XXXX points today with the reporting of {$41.00} by XXXX and in the comments even states that they havent received the first payment. Ive called XXXX and equifax who both say they see no balance because one is not even due. Which would be correct since I have not received my first card on that account yet. But my credit score definitely dropped XXXX points because of it. I disputed it with XXXX and their investigation concluded that IT WAS VALID AND I AM RESPONSIBLE FOR THIS DEPT that according to XXXX does not exist. I know its confusing.
Complaint sub-issue: Didn't receive services that were advertised

This company offered a service that they did not deliver. I filed a complaint with the XXXX  and received a refund from Simplio Labs. I am attaching all complaint I made against this company. I provided my updated credit report in which the type of business of this company is not listed.
Complaint sub-issue: Account information incorrect

I was out of country from XX/XX/XXXX to XX/XX/XXXX and when i come back to state i've noticed that my credit score was huge dropped and i look into my account and i had a late payment history which doesn't make sense to me so I looked up my credit report and I noticed that XXXX XXXX XXXX XXXX  reported late payment of {$8.00} dollars on my report which I didn't use this card over the 1 year period and I did set up Auto Payment to avoid any missing payments all of my credit card company includeXXXX XXXXXXXX XXXX XXXX I called and explained that It's not possible to late payment occurredin my account and they said it was some kind of unusual membership charge and that charge can not be processed using auto payment system which is nonsense and I told them I was out of country more than 6 months and I never use credit card during the period and I requested them to reinstate my account status as a current so that my credit scores back but they declinedmy request. This is an absolutely unfair act and I do not deserve XXXX points dropped because of the unusual membership charge or whatever they call it. Please help me on this matter.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX sent me notice for a collection that I do not owe. I have been trying to contact them to resolve the debt and they have been extremely rude and will not help me. I need this removed off my credit, I do not owe this.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent several letters disputing the account that I allegedly had with XXXX XXXX XXXX. I sent these letters to Equifax. We sent these letters with evidence showing that XXXX  XXXX XXXX was been reported inaccurately on my credit report. Despite the numerous letters sent to Equifax they have failed to address the situation. We asked them to delete XXXX  XXXX XXXX from my credit report based on the information provided and they have failed to do so. I then exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) requesting there method of verification for the XXXX  XXXX XXXX account that was been reported on Equifax account. Today XX/XX/2021 and to this date Equifax has not provided me with its method of verification for the XXXX  XXXX XXXX account that is been reported on my credit report. The law states the credit bureau should ensure that the consumer gets the method of verification within 15 days after they have gotten the request. More than 15 days have passed and I have not gotten the method of verification. This is a clear violation of FCRA. 
For this violation i can sue Equifax for damages and if Equifax fails to delete XXXX  XXXX XXXX from off my credit report then I will seek legal redress to do so. 
I am submitting a copy of the letter that I sent to Equifax and a receipt showing the date that they got the letter.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX, I signed a settlement agreement with XXXX XXXX  to voluntarily vacate a rental property located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, by XX/XX/XXXX. The settlement agreement stipulated To the extent permissible by applicable law, XXXX shall remove all negative reporting entries regarding the subject loan number XXXX from Borrowers credit report. 

In XX/XX/XXXX, XXXX reported the following negative information on my Equifax credit file : XXXX XXXX  XXXX XXXX Balance : {$410000.00} Date of Last Payment : XX/XX/XXXX Past Due Amount : {$91000.00} Account Status : 120+ DAYS PAST DUE XXXX XXXX has not only breached the settlement agreement, but have caused compensatory and general damages. I was in the process of refinancing the loan on my principle residence in order to regain financial stability when XXXX XXXX reported foreclosure activity on my credit file. As a result of the negative reporting, I have been denied a refinance because of the foreclosure activity on my credit file and it has greatly impacted my credit score negatively. My credit score has decreased by 79 points because of the foreclosure activity reported on my credit file. 

It was critical for me to refinance my home because I lost income due to COVID. More importantly, it was critical for me to refinance my home in order to continue to support XXXX  XXXX who are in XXXX and dependent upon me for their college tuition and housing. My childrens college tuition and housing was jeopardized when I was denied a refinance. My family and I have been seriously impacted financially because XXXX  actions and breach the settlement agreement. 

I have filed 2 disputes with Equifax with an effort to get the foreclosure activity removed from my credit and XXXX XXXX responded to the dispute by verifying that the current status if being reported correctly. XXXX has verified to Equifax that the prior paying history is being reported correctly. I have also attempted to get this matter resolved by contacting your Loss Mitigation and Customer Resolution Departments and no one can or will assist with resolving this issue. 

Attached to this letter is the settlement agreement and a copy of 2 letters from Equifax with the dispute results. 

Lastly, XXXX XXXX  have failed to remove my name from title of the subject property and have pushed out the sell date to XX/XX/XXXX. This is the second time the sell date has been pushed out. Im inundated with phone calls from mortgage rescue companies inquiring about the subject property, which has caused unnecessary aggravation and stress.
Complaint sub-issue: Information belongs to someone else

I have been a victim of identity theft, accounts have been opened in my name, I'm requesting this information to be blocked from my credit report in accordance with the FCRA.This has cause a great damage to my ability to get a better job as well as get funding .Please remove thesee item as stated in the attached letter and all non-account holding inquiries from my credit report, an FTC identity theft affidavit been filed, it will be attach to this complaint.
Complaint sub-issue: Public record

State Of California lien filed in error XX/XX/2012 was released also on XX/XX/2012.