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

After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. 
I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly  investigated. I have yet to received anything back from them.
Complaint sub-issue: Account status incorrect

I submitted payment for the alleged 30 day late payment on my record. The creditor indicated their is no proof for this, thus they can not make an adjustment.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2021 Credco and global lending service looked at my credit report without my permission. called the companies and they dont have my information in there system to verify that i approved them to look at my credit report its 2 inquiries in my report which im trying to get removed i out in a dispute with XXXX and they havent verified from the companies that i authorized them to get a copy of my credit report i sent XXXX XXXX letter asking them to remove the inquiries as well and have not heard from them i wrote the companies too
Complaint sub-issue: Information belongs to someone else

I am victim of identity theft and fraud. I have notified alleged creditors that the items on my credit report does not belong to me, and they have not validated any debts from alleged creditors with competent evidence of a valid contract according to the FCRA section 609 and best evidence rule that requires primary evidence meaning original version and other consumer laws i.e. title 15 U.S. Codes section 1681 and 1692. I have not in any way received goods, credits, money, loans, services, or any transactions. The alleged creditors have not provided proof of claim and my social security number has been used unauthorized, and without consent and written or verbal permission. I have not authorized any of these creditors listed to have access to my credit report, and/or score. My social security number information was breach and alleged creditors have used my social security number and are in violation of the privacy act of XXXX  etc. unless they can prove a written contract exist.
Complaint sub-issue: Information belongs to someone else

Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've done disputes with all 3 credit bureaus regarding this account. 

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've done disputes with all 3 credit bureaus regarding this account. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've done disputes with all 3 credit bureaus regarding this account. 

Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've done disputes with all 3 credit bureaus regarding this account. 

Creditor Name : XXXX, XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've done disputes with all 3 credit bureaus regarding this account.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I got an alert on my credit file that my XXXX XXXX XXXX account was showing recent late payments so i called them and they stated they had been sending me statements to pay but they had the wrong address in which i have not changed my address so i wasn't sure where they had been sending my mail. Then they closed my account and i told them that i have been with them for awhile and why can't they fix the error that was their fault. 
I filed a compliant with XXXX XXXX XXXX and this is my dispute number XXXX.
Complaint sub-issue: Account information incorrect

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on the EQUIFAX response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XXXX  Inquiry Date XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX  XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX  XXXX Inquiry Date XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XXXX. XXXX, XXXX ;
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and XXXX XXXX XXXX completely from my Credit Report : XXXX - XX/XX/2021 Equifax XXXX - XX/XX/2021 Equifax XXXX XXXX XXXX - XX/XX/2021 Equifax XXXX - XX/XX/2021 Equifax XXXX - XX/XX/2021 Equifax XXXX - XX/XX/2021 Equifax
Complaint sub-issue: Investigation took more than 30 days

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$120.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am  writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNTS -- 1. XXXX XXXX HOSPITAL with ACCT # XXXX opened on XX/XX/XXXX with a limit of {$11000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a limit of {$120.00} -This is not my account.
Complaint sub-issue: Account information incorrect

I disputed inaccurate information that was on my credit Report with XXXX and Exqiufax almost two months ago with XXXX XXXX Account # XXXX Late payments that was incorrect Eqiufax gave them 30 days to respond and they don't so Equifax send me paper work that it was verified that I had No late payments so, Two weeks later Equifax Placed the late payments back on my Credit Report. It is against to fair credit act to do so without a consent or notifying me before places inaccurate information on my Credit report I have asked them to notify me before doing so because I have had a fraud alert on my credit report in 2017.I need this off my Report in the next 10 business days or I will have to speak to my lawyer.Please contact XXXX and Equifax.Thanks
Complaint sub-issue: Reporting company used your report improperly

I had an account which XXXX said I owed XXXX dollars, I did not. I lost money on the account and they had owed me. Then, after the initial XXXX dollars was disputed XXXX made a hard inquiry on my account without my knowledge, which is illegal. Next they said they sold the account to Jefferson Systems LLC who can not be reached. XXXX would not offer details when asked when the account was sold as I have dates on my report which I could use to determine who did the hard inquiry. I dont even know if Jefferson Systems LLC is a real legitimate company as they can not be reached. 

The hard inquiry needs to be removed. I have already contacted both mentioned companies and contacted my credit check agency as well. XXXX needs to be held accountable for the money they steal from clients and small and large businesses alike. 

XXXX even erased my transaction history, to hide their tracks.
Complaint sub-issue: Debt is not yours

On XXXX i sent a complaint about this company for attempting to collect a debt that is not owed, this company has contacted me numerous of times after 9pm and have now been calling asking for someone else then hanging up, on XXXX this company was suppose to send a validation of debt out and today XXXX i have yet to receive a validation of debt from this company, please i ask that this debt be removed from my credit reports across the or i will pursue legal action
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, the following accounts has violated my rights to privacy, I have sent EQUIFAX 3 letters in regards to the following accounts and have also stated the violations that they are in, EQUIFAX has removed accounts without my consent that I did not DISPUTE which has caused continued hardship TO ME AND MY CHILDRENS MODE OF LIVING and my credit score has dropped even more. PLEASE HAVE EQUIFAX DELETE THESE ACCOUNTS AS IT IS A VIOLATION OF MY RIGHTS.

15 USC 1681 ( a ) - 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.

15 USC 1681 ( a ) ( 2 ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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. 

THESE ARE THE ACCOUNTS IN DISPUTE : 1. XXXX XXXX  XXXX XX/XX/XXXX - # XXXX 2. XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX - # XXXX 3. XXXX XXXX XXXX XXXXXX/XX/XXXX - # XXXX 4. XXXX XXXX XXXX XXXXXX/XX/XXXX - # XXXX 5. XXXX XXXX, XXXX XX/XX/XXXX - # XXXX 6. XXXX XXXX XXXX XX/XX/XXXX - # XXXX 7. XXXX XXXX XXXX XX/XX/XXXX - # XXXXXXXX 8. XXXX XXXX XXXX XX/XX/XXXX - # XXXX 9. XXXX XXXX XX/XX/XXXX - # XXXX 10. XXXX XXXX XXXXXX/XX/XXXX - # XXXX 11. XXXX XXXX XXXX XX/XX/XXXX - # XXXX 12. XXXX XXXX XXXX XX/XX/XXXX - # XXXX 13. XXXX XXXX XXXX XXXX XX/XX/XXXX - # XXXX 14. XXXX XXXX  XX/XX/XXXX - # XXXX 15. XXXX XXXX XX/XX/XXXX - # XXXX 16. XXXX XXXX XXXX XX/XX/XXXX - # XXXX 17. XXXX XXXX XXXX XX/XX/XXXX - # XXXX 18. XXXX XXXX XXXX  XX/XX/XXXX - # XXXX 19. XXXX XXXX XXXX XX/XX/XXXX - # XXXX 20. XXXX XXXX  XX/XX/XXXX - # XXXX 21. XXXX XXXX XXXXXX/XX/XXXX - # XXXX 22. XXXX XXXX XX/XX/XXXX - # XXXX 23. XXXX XXXX XX/XX/XXXX - # XXXX 24. XXXX XXXX XX/XX/XXXX - # XXXX 25. XXXX XXXX XXXX XX/XX/XXXX - # XXXX 26. XXXX XXXX XXXX XXXXXX/XX/XXXX - # XXXX 27. XXXX XXXX XXXX XXXX - # XXXX 28. XXXX XXXX XXXX XXXXXX/XX/XXXX - # XXXX 29. XXXX XXXX XXXX XX/XX/XXXX - # XXXX 30XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - # XXXX 31. XXXX XXXX XXXX XXXXXX/XX/XXXX - # XXXX 32. XXXX XXXX XXXX  XX/XX/XXXX - # XXXX 33. XXXX XXXX XXXX  XX/XX/XXXX - # XXXX 34. XXXX XXXX XXXX XXXXXX/XX/XXXX - # XXXX 35. XXXX XXXX XXXXXXXX XX/XX/XXXX - # XXXX 36. XXXX XXXX XXXXXXXX XX/XX/XXXX - # XXXX 37. XX/XX/XXXX - # XXXX I did not GIVE my explicit written permission to EQUIFAX to report any NON PUBLIC INFORMATION, they have taken my information and compiled a file that is supposed to represent me and that is alleged IDENTITY THEFT.
Complaint sub-issue: Investigation took more than 30 days

I discovered illegal unapproved accounts on my profile report. I'm concerned that you've included the following information in my credit profile and that you've forgotten to follow reasonable procedures to ensure the most extreme possible accuracy in the credit reports you provide. Credit reporting rules require agencies to provide only accurate credit data. Each step should be taken to ensure that the data given is completely accurate and correct. The accompanying data should be researched in this manner. After carefully pulling my credit report from your service, I am having significant difficulty locating inaccurate/invalidated accounts. I am unaware of these items or false information since my personal information was impacted by the Equifax data breach and may have ended up in the wrong hands. You are filing reports recklessly and inaccurately, in violation of the FRCA. I am aware that you lack legal standing as a federally protected consumer, and that you can not retain an attorney to represent you against me. 
I will seek a default judgment and bring a class action lawsuit against the corporation for violations, stress, and menstrual agony on behalf of at least 1 % of the corporation, pursuant to TILA 1640, OR ANY OTHER AMOUNT OF DAMAGES UNDER 1692K.
Complaint sub-issue: Problem with cash advances

I use a Citi branded Mastercard. I was charged a cash advance fee for using the XXXX service on XX/XX/XXXX. Citi claims this was due to Mastercard changing its terms and conditions. I never received notice of the change in terms and do not agree with this change in terms. Had I received this change in terms I would have objected to the change in terms. Mastercard along with the other card companies are using their dominant market position, and acting together an an anti-competitive method to limit their competition from XXXX and stifle the entrant of this new business.
Complaint sub-issue: Was not notified of investigation status or results

After I reviewed my report on XXXX, I realized that the company was not making any changes, everything was being reviewed and wasnt changed and I discovered also on my status from cfpb my complaint was closed, please I need my complaint resolved immediately, all the late payments need to be deleted, because in 2019 the company has given us an extension for the issue payment and the government has given us also right to pay in the future, please I need my complaints resolved immediately.
Complaint sub-issue: Reporting company used your report improperly

Due to the recent hack of Equifax and release of personal information, including my own according to the Equifax website, I run the risk of identity theft. I have protected myself as much as I can since the news of this hack was announced.
Complaint sub-issue: Investigation took more than 30 days

I disputed several inaccurate items on my credit report and the bureaus haven't answered me.
Complaint sub-issue: Debt was result of identity theft

Fraudulent account. Opened without my knowledge, consent or authority.
Complaint sub-issue: Investigation took more than 30 days

It has been over 30 days since I submitted complaint with the credit bureaus and I have not received a responds.
Complaint sub-issue: Account status incorrect

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXX XXXX  Date of inquiry XX/XX/2022
Complaint sub-issue: Information belongs to someone else

Describe what happen? 

Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well. 


What would be a fair resolution to this issue? 

I want all negative items removed from my credit report because you are in direct violation in the FCRA
Complaint sub-issue: Information belongs to someone else

My information has been hacked or obtained someway and now when I checked my credit in process of buying a home I have a bunch of accounts showing that I do not recognize. Please help me get this matter resolved and to clarify it with the credit bureaus to get these fraudulent accounts off. Thank you.
Complaint sub-issue: Banking errors

I opened my checking account on XX/XX/2021. My account was funded on XX/XX/XXXX and XXXX, 2021. Citi was supposed to deposit {$700.00} for an opening bonus after 61 days. That time Period has passed and they have yet to deposit my money. 
I opened the account at a branch and Im being told only the branch can tell me why it hasnt credited my account. However no one is answering the calls to the branch so Im in a catch-22.
Complaint sub-issue: Information belongs to someone else

Asking two credit bureaus to check the accuracy of a report chapter XXXX bankruptcy on my credit file. Inaccurate information is being reported. My father and I have the same name. Please verify the account and the accuracy of the information being reported at the local clerks office. Third parties are verifying the information via online and it is not correct
Complaint sub-issue: Problem with statement of dispute

An account that I cosigned on XX/XX/XXXX was paid in full and had been paid in full in XXXX and closed in XXXX showed up my equifax report in XXXX. I submitted a complaint in XXXX stating that the account was closed almost 11 years ago and they needed to remove this. XX/XX/XXXX this account was reported that it was derogatory and we filed a dispute and XXXX sent us a letter telling the credit bureaus not to report it any more. We asked that it be removed the credit bureau investigated and their investigation showed we did have that account and so they would n't remove it. They stated it would stay on our records for 10 years from XXXX. We never disputed the fact that it was n't an account we cosigned on in fact I stated that in my explanation of the complaint. we were disputing the fact that it had been over 10 years since the account was closed that that far exceeded the 7 year reporting limitations on the account. When we had the problems XX/XX/XXXX with the reporting of this account as derogatory, XXXX sent letters to my husband and me verifying the accounts were closed in good standing with no deliquencies and the credit bureaus were to not report this account. Now how does the credit bureau think they have the right to report this account for ten years from the time we disputed it and they ignored the time the account can be reported by law and now they want to keep it on file another ten years
Complaint sub-issue: Charged too much interest

We have two business accounts with US Bank. We received a letter which I can attach that stated they were offering a Special Payment Relief Program. It is to lower interest charges and eliminate late fees and help us repay since we XXXX XXXX XXXX  and have been closed due to COVID19. I have called and spoke to 7 different individuals and they are stating they do not have that program. They are currently charging us an interest rate of 28.99 percent which is 9 points higher than before the pandemic.
Complaint sub-issue: Was not notified of investigation status or results

I sent a dispute to the credit bureaus about a collection ( XXXX XXXX ) and have not received a response back or any results
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX ( US BANK ) reported hard inquiries to my credit report without my consent. I have contacted the creditor with no success of removal
Complaint sub-issue: Talked to a third party about my debt

AFNI Inc. Reported a debt they state I owe to XXXX on my credit and on my fathers credit. 

My father ajd I filed a complaint with the state AG office and in turn XXXX contacted us and we were told by a XXXX representative that neither he nor I owe the debt that AFNi is collecting and that they have no record of a debt in my name or my fathers being sent to AFNI. I filed Bankruptcy in XX/XX/2016 and a debt from XXXX was included in the bankruptcy. Oddly enough AFNI reported this on my credit after i had filed. They also violated my automatic stay by contacting me by mail after i had filed. 
We belive this debt to be fraudulent. As XXXX has no record of it.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

have reached out to Equifax about the unauthorized/unknown inquiries that are on my credit report. They have failed to adhere to my request. In the FCRA. 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. The information i am submitting is posted below. 
Name : XXXX Date : XX/XX/2022 Name : XXXX  date : XX/XX/2022 Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to CORRECT immediately : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Complaint sub-issue: Fees charged for closing account

We put in {$50000.00} into a priority account to receive {$700.00} bonus. 
After the time was up to pay us Citi refused-they sent us the attached letter that they would review ( see attached ). We were finally paid the {$700.00} 2 months late in XX/XX/2021. 

We were very upset that Citi tried to cheat us an CLOSED OUR ACCOUNT immediately after XXXX ( see attached ) we were told to write a. check for the balance to close. 

We have received over 10 messages to call them about a problem with our account- we tried to call them over 10 times waiting as long as 3 hours to speak with someone who could not help us. 

We have been charged : money market account fees ( we do not have a money market account ) late fee 's and other fees, overdraft fees amounting to over {$160.00} for XXXX, XXXX, & XXXX after the account was closed. 

Fund balance was {$50000.00}. we closed the account writing a check to close the account for $ XXXXnow we owe according to them {$160.00}
Complaint sub-issue: Debt is not yours

ACIMA CREDIT FKA SIMPL XXXX {$520.00}