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

On XX/XX/21 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Was not notified of investigation status or results

onXX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I haven't received a response yet. I feel like I'm being taken advantage of and being ignored for my disputes. section 611 ( a ), it is plainly stated that failure to investigate these items within30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.my information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Complaint sub-issue: Public record

There is Public Record Information on my credit report that I am challenging as inaccurate in its filing. First, the term " Dismissed '' means that it is adjudicated by the law, IT DOES NOT EXIST!! Since my case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. It is obvious that the credit bureaus have retrieve my information from a third party entity without my authorization. The agencies state that the VERIFICATION comes from the " origin '', this is INACCURATE. The Bankruptcy Court ( THE ORIGIN ) has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. Please advocate for me in this challenge.
Complaint sub-issue: Account terms and changes

incorrect use of the 30 day grace period when applying for credit for a auto loan by Equifax & XXXX to many hard hit 's on credit report in less than 30 day 's. 
once in XX/XX/XXXX & again in XX/XX/XXXX.
Complaint sub-issue: Problem with rewards from credit card

I have the Citi Thank you account. I initiated transfer of XXXX points from my Thank you account to their partner, XXXX XXXX on XX/XX/2021. I have transfer points XXXX points prior to this and twice after XX/XX/2021 and all have no issues except this one. My account stated it is fulfilled but it does not show up on XXXX XXXX points. I called Citi Thank you and they stated XXXX XXXX didn't accept it so it will be returned to Thank you point and wait for a week. A week past, I called again and spoke with XXXX XXXX on XXXX Cse # XXXX. She states she will look into it. Nothing happened call XXXX spoke with XXXX and ask XXXX to call me back. XXXX called back XXXX XXXX and left a voice mail stating the result is we are unable to refund the points can't be cancelled or reversed once the order has been submitted. The problem is I didn't cancel the transfer or ask for reverse. Citi systems shows complete when it is not. The XXXX points is worth {$3000.00} was transferred, never got to their partner as stated and now they say too bad, it is lost. You can't just take my money or points and transfer to your partner and just say it disappear because our partner didn't take our points. I tried to called today XXXX 3 times and they just hang up. I called XXXX, XXXX and XXXX and spend a total of XXXX minutes. 
If this can't be resolved here, just provide a contact for me to serve the law suit. It will be resolve quickly and fairly.
Complaint sub-issue: Didn't receive notice of right to dispute

1. XXXX  said they sold the debt, making ERC a debt purchaser. 2. On my Credit reports it shows them as the current holder of the debt, meaning they are the debtor and not XXXX. 3. XXXX  didnt sent billing statements to me because they entered or misspelled my home address. 4. The debt collector didnt sent me the correct correspondents and they admit they had the incorrect address information. 5. On XX/XX/XXXX I sent a debt validation letter after no ever receiving a correspondent from ERC or XXXX. 6. ERC partially responded to my debt collection letter. 7. ERC provided me billing statements that only listed a amount owed without a break down of chargers. It went from {$350.00} to {$700.00} without any billing marks or notations. 8. ERC did not explain and show me how you have computed the amount as requested on my debt validation letter on XX/XX/XXXX9. ERC did not Send me the copies of any documents that prove I agreed to pay the alleged amount or contracts as requested on XX/XX/XXXX 10. ERC did not Confirm that the account has not crossed the SOL period as requested in my debt validation letter 11. ERC did not Prove/show that they are a licensed debt collector as requested in my debt validation letter 12. ERC did not prove/show me their license numbers and registered agent as requested in my debt validation letter 13. ERC still reported on my credit report with out following all the legal steps and violated my rights as a private citizen. 14. Lastly the debt validation response they sent me only contained blank billing statements without any information on any of the amount they spoke of 15. ERC needs to removed this debt from my credit report until Im able to verify this debt
Complaint sub-issue: Problem with customer service

In XX/XX/XXXX, I was contacted by CitiCard about a past due on my account when I did not use my credit card for any kind of transactions for over 6 months. I contacted them, filed a dispute, and was never contacted again other than to consistently call me and text me to say they tacked on more fees instead of resolving my dispute. Today is XX/XX/XXXX, I have been on the phone 5 times in the last hour and a half, have spoken to over 10 different people at this point, just to have them hang up on me and not resolve my issue. I filed a dispute for a minuscule amount of around {$15.00} and they can't seem to help me. They have only constantly transferred me to different customer service representatives or hung up on me. They refuse to contact me back to talk about my dispute and so it is an endless cycle of calling and being hung up on for the last two months.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a Consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Information belongs to someone else

I NEED HELP CORRECTING SOME ISSUES REPORTING ON MY CREDIT REPORT
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I just got this email about my issues A Message from Cash App Support [ ref : XXXX : ref ] Hi XXXX XXXX This is XXXX , and I'm a manager here at Cash App. I am reaching out to you regarding the {$28.00} payment sent to $ prettyassmomoo on XX/XX/2021. Thank you for your patience. 

Cash App is unable to cancel or refund completed payments. If you would like to recover your funds, please send a request to the recipient : 1. Tap the Activity tab on your Cash App home screen 2. Select the payment in question and tap Completed 3. Tap Report an Issue 4. Select a reason and tap Next to complete the request Before sending a payment in the future, we strongly recommend that you : - Only send to people you know- Verify the recipients name before sending - Double-check the spelling of XXXX XXXX - Double-check the recipients phone number or email for typos To learn more, please visit Cash App 's Terms of Service ] ( https : //cash.app/legal/us/en-us/tos ). To learn how to further secure your account with safety features, please visit our [ Help Center ( https : //cash.app/help/us/en-us/3127-keeping-your-cash-app-secure ). 

We have provided as much information as possible to help you resolve your issue. Were unable to provide additional support and will be closing your case. 

To contact Cash Support in the future, tap the profile icon on your Cash App home screen and select Support. 

Best, XXXX. 
Cash Executive Relations Team ref : XXXX : ref It still nothing about my dispute or not helpful I filled a dispute for a unauthorized payment but here is the dispute information again It's is about a dispute, and I can't contact the person because I don't know them or have their information! 

1. What is your legal name, XXXX XXXX, and email address and/or phone number linked to the account associated with the 'unauthorized ' activity? XXXX XXXX XXXX XXXX XXXX 2. What are the dates/times and amounts for the transactions that you believe are in error? XXXX XXXX XXXX {$28.00} 3. Why do you believe the transactions were unauthorized? This is the three time I have a unauthorized payment sent to the same user I never sent it to her or don't know her 4. Were you instructed to download any other apps other than Cash App to access the account in question? No 5. What is the make and model of the device ( s ) you were logged into when the transactions took place? XXXX 6. Which city & state were you located in when the unauthorized transactions took place? XXXX Pennsylvania 7. Did you forward or provide any account access information to a third party? No 8. Do you have a PIN set up to authorize payments? If so, did you share your PIN with anyone? No 9. Do you have possession of your device, if not, when did you last have possession of your device? I didn't have possession of my device when I was sleeping before I want to bed I did someone probably guessed my cash app pin who I don't know and changed my pin but I changed the pin.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX SSN : XXXX DOB : XX/XX/XXXX XX/XX/XXXX To Whom It May Concern : I recently reiewed my credit report provided by your organization, and I am shocked to find several inconsistencies that are damaging my good name.. I expect this letter to promply resolve the pointed data which is reporting inaccurate. I am aware your job is to maintain accurate records of all my credit accounts. 
Please review the following accounts : Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX  Account : XXXX XXXX, XXXX Account : XXXX XXXX  XXXX  Account : XXXX XXXX  Account : XXXX XXXX XXXX I am aware Section 609 requires you to have verifiable proof of this account belonging to me. Please send me a document with my signature otherwirse delete this account from my credit report. 

After you have finished my request, send me a copy of my credit report reflecting these changes. 

XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, the list below has violated my federally protected consumer rights to privacy and confidentially under 15USC 1681. 

XXXX XXXX XXXX XXXX XXXX Account # XXXX 15USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 section 602 A also states, a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Personal information incorrect

I sent out a dispute letter to Equifax on XX/XX/2020 and XX/XX/2020 in regards to inquiries incorrectly reporting. No changes have been made to my credit report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

A company called XXXX XXXX performed a hard inquiry on my Equifax credit profile on XX/XX/XXXX. I do n't know who this company is or how they have my information if they even have my information. I emailed at XXXX them on XX/XX/XXXX upon realizing they had pulled my credit report and told them to please contact Equifax to have the inquiry removed. They have not contacted Equifax and have not responded to my email. 

Based on the inquiry, the creditor contact information is : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX
Complaint sub-issue: Problem with personal statement of dispute

Ive been trying to get this loan off my report for years ... ... i have never even had a driver license in XXXX or id ... .so how can i lease a car. This company is completely fraud!!!!! Pls all them to show proof ... I'm not accepting the facts!!!
Complaint sub-issue: Reporting company used your report improperly

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. 

Account name : # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX : # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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: Can't get other flexible options for repaying your loan

In XXXX 2017 I submitted my forbearance letter the company said it will be deferred until next year. within weeks I get a noticed that I am delinquent and need to pay. contacted the company faced the needed information yet again get an information my account is delinquent and need to make payment. 
what I have noticed is that this particular company is n't clear on the information they provide for my student loans. I honestly do n't know what to do.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2022 I received a text text message at XXXX AM from Discover card services saying that a charge was being placed on my bill. The charge involved was on an old credit card from Discover that was used fraudulently not by me. The card was not lost stolen or anything but Discover card said that someone else had used fraudulently in another state. I immediately called and said that the charge which was a renewal of a XXXX membership card was not authorized because I had not authorized automatic renewal. Each time I called I was on the phone for an extended period of time. In about a week the company told me that they had taken the charge off my bill and I would see it on my statement in 10 days. That never happened. My credit card which Ive had since maybe XXXX is auto paid and never carries a balance. When this charge occurred it really was never taken off my bill and I paid for it. When I called the company to question they told me that the charge had already fallen off their copy and I should just wait a little longer. That never happened finally I called and spoke to a supervisor. the call took 47 minutes and she told me that even though the charge was put back on a subsequent bill and then taken off I made her realize that I had still paid for that on a previous bill she apologized all over the place and after 47 minutes of hold time while she was checking, said that the credit had been put on my old fraudulent case credit card number. She promised me that she would personally take care of it and I would see the credit on my billing statement online within 72 hours that was on XX/XX/XXXX. As of today I still have not received a credit that I can see another bill has been auto paid. This charge is for {$59.00} for a XXXX membership renewal. The supervisor told me that they realized when XXXX responded that I did not authorize automatic renewal. But I just cant seem to get my money back and I refuse to speak to these people anymore. They speak down to me and dont listen. they keep shuffling me from department to department. Apparently none of the departments speak to each other and they dont even make a referral to the other department. I want my money returned to my account. I feel like they have stolen money from me. I also feel like I have been bullied and abused.
Complaint sub-issue: Personal information incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their 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, XXXX XXXX Sections XXXX 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 is the list of the erroneous information reporting on my Credit Report : XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account XXXXXXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX have violated my right 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 an account without any written instructions
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. 

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 also states a consumer reporting agency can not furnish an account with out my written instruction.
Complaint sub-issue: Reporting company used your report improperly

Pursuant to 18 USC 8. I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681 B ( 2 ). This company has also no permission to report anything using my info pursuant to 15 USC 1681 ( 4 ) Delete this account : XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

My Problems with Equifax Hello my name is XXXX XXXX XXXX, and I am sending this letter to describe my problems I have been having with Equifax since XXXX. Ive been told Information has been Correct to be mine over & over again, when I have been giving information from sources which were previously available on Equifax that don't belong to me. A Home Mortgage, Student Loans, other banks or loan accounts, Birth date & year. 


Since XXXX I have spoken to the places that can Verify this information is wrong, such as XXXX ( XXXX ) which before speaking to anyone lets you put in a Social Security number, Etc that will tell you that youre not in the system. But if I use the information that Equifax claims belonged to me it literally details this other person Current living address and Phone Number which is the Home that was Bought with the Mortgage. Now that all the information was removed from Equifax I cant Dispute anymore to fix the problems since it requires me to give the agent information I know nothing about such as previous payments, closed accounts. They would either let me through to dispute or just hang up on me and disputing on Equifax website doesnt make it better.
Complaint sub-issue: Account status incorrect

On XX/XX/XXXX, I sent a certified mail to Equifax to update the inaccurate and derogatory payment history on my credit report. I provided supporting documentation from the creditor, XXXX XXXX that the delinquencies ( 3 ) have been removed from my account. 

After numerous telephone calls and follow-ups, As of XX/XX/2020 which is in excess of 90 days, Equifax has failed to update and report this information accurately as required by the FCRA.
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

Americollect Inc Attempted Collection Of Debt With Out Validation XX/XX/2018
Complaint sub-issue: Other problem

Macys credit card company, DSNB, never sent me a bill or even attempted to contact me about a delinquent charge then refusing to fix the negative report on my credit after the small balance was paid in full.
Complaint sub-issue: Debt was result of identity theft

I am a victim of identity theft. An identity thief used my personal information without my permission to open an account with XXXX. The debt was turned over to collections and that is how I found out that I had become a victim of identity theft. I notified XXXX XXXX, XXXX XXXX XXXX and XXXX with phone calls and letters. On : XX/XX/21 I provided all three companies with a letter stating that I was a victim of Identity theft along with ; Identity Theft Report, Police Report, Proof of Identity, Notice to Furnishers of Information. On : XX/XX/21 I sent a follow-up letter with all the previous information. On XX/XX/21 I still had not heard back or received any information. Again, I sent another letter with all previous information. I then contacted all three credit reporting agencies and sent them the information that I had sent XXXX XXXX, XXXX XXXX and XXXX. They did an investigation and found that I was indeed a victim of identity theft and removed the collection from my credit report. I believed this situation had been resolved. In XX/XX/2021 I received a phone call from AFNI Collections in attempt to collect a debt on behalf of XXXX. I explained to them that this has already been resolved and that they should contact XXXX. They sent me a packet, with a list of items, stating that I need to provide them to properly process the fraud claim. I have already spent so many hours working on this fraud claim only to have it start-up again with an another collection agency. XXXX has never provided me with an account application made on paper, online, or by telephone, account statements, signatures on applications and accounts, investigators report, and any information where the account was opened. All XXXX has done is keep sending this to a new collection agency for them to try and collect on a fraudulent account. XXXX needs to be held accountable for their poor business practices that allowed this to happen in the first place.
Complaint sub-issue: Investigation took more than 30 days

I am writing this due to non-compliance with Equifax. 

They have failed to conduct a timely and proper investigation of disputed accounts and their investigation has exceeded 30 days. They have not responded to my dispute on XX/XX/2020 where I requested method of verification. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.