Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Was not notified of investigation status or results

After pulling my report, i decided to dispute error/incorrect information on my report to XXXX, and Equifax on XX/XX/2022. its already been 30 days since i sent the first letter of dispute and they have not reached out to me on updated progress/results. The 2nd letter was sent on XX/XX/2022, requesting updated progress/results ; still no response on their end.
Complaint sub-issue: Card was charged for something you did not purchase with the card

XXXX has charged my card for services that I am not able to access. I have tried to get a hold of them but due to no phone number, was unable to get into contact with them. I have put a stop on my credit card but XXXX is taking my money fraudulently and I want my money back for XXXX and XX/XX/2022.
Complaint sub-issue: Received bad information about your loan

I previously filed a claim  - Complaint  ID  XXXX   XXXX / XXXX / XXXX . My explanation was presented by the company with much distortion. I have repeatedly asked for a copy of Gov't payments to my account -- '' If your new monthly payment isnt large enough to pay the accruing interest on subsidized portion of your direct loan, the Federal government will pay it for you for a period of up to but no more tha n three consecutive years once you begin your Income  Based Repayment program. This is  XXXX  of the many forgiveness aspects  that Federal Student Loans offer. '' This has not occurr ed ... I am on t he Income Bas ed Repayment plan and my loans are increasing tremendously ... I am now owing  XXXX  figures ...     I do not understand how the loan supposed to be paid of in 25 years ... I will be owing over  1 million dol lars. Please escalate this complaint to legal office and/or provide me names of attorneys and or an agency above cfpb. " If over the lifetime of this loan, you make  300 q ualified payments and the loan is still not completely paid off, any remaining loan amount will be forgiven and legall y discharged. ''  How will this loan ever get paid off under this plan. I am paying my interest but it is increasing at an accelerated rate.        Plan in cludes a 20 year forgiveness for new borrowers that took their loans out after  XXXX   XXXX   XXXX , or 25 years if the loans were taken before that date. The lifetime of an Income Bas ed Repayment Loan i s considered to be no more than 25 years. If over the lifetime of this loan, you m ake 300 qua lified payments and the loan is still not completely paid off, any remaining loan amount will be forgiven and legally  discharged. However, this discharged a mount is considered taxable and must be paid for the year it was forgiven ; i.e . a loan discharged  in  XXXX  must be paid with other  XXXX   Income Taxe s due in  XXXX .   -- -- -- -- -- - Issues include : Estimated Interest Daily Interest Outstanding Principal Balance -- tremendous increase.     -- -- - I do not want to have my loans serviced under  Nelnet. I f eel as though it is too much fraud and no-one is trying to resolve my issue. Please escalate my issue to the agency above the cfpb and/or a contact person at the  Office of Inspector General. I will file a complaint their next. My account ne eds to be reconciled and properly handled. There are too many complaints regarding  XXXX  on the WEB. Please do an audit on my account.
Complaint sub-issue: Account information incorrect

I have been notified from Equifax that my information was compromised and I am requesting that XXXX credit inquiries be deleted from my credit report.
Complaint sub-issue: Account information incorrect

I completed a loan modification a few years ago and i still paid the minimum payment on my account. The company reported that i was late on my credit report
Complaint sub-issue: Reporting company used your report improperly

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Name : XXXX XXXX XXXX XXXX XXXX, XXXX, I Employers : XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Public Record : XXXXXXXX  XXXX Bankruptcy XXXX Inquiry : XXXX XXXXXX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer : XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Public Record : XXXX  XXXX Bankruptcy XXXX Inquiries : XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Collecons XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Equifax Employer : XXXX XXXX XXXXXXXX Addresses : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXXXXXX Public Record : XXXX XXXX Bankruptcy XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

In the Month of XX/XX/XXXX I had been struggling to make my payment on my DISCOVER CARD due to extreme interests rate & loss of job! my minimum payment was more than 75 % of my monthly income & I could not catch up due to loss of job & other obligatory bills. I reached out to the company to get the late payment off but they were not able to help me, I've never missed a payment in over 2 years, I just happened to have that struggle now due to loss of job & extreme Interests Rates.
Complaint sub-issue: Company closed your account

I applied for a secured credit card from Discover on XX/XX/2020. I secured the credit card with {$200.00}. After completing Discovers verification process, I was issued the card and had an open credit limit of {$200.00}. I have never charged one thing to the card. 

On XX/XX/2020, I was emailed a letter from Discover and it stated that the card had been closed by Discover because they were " unable to verify personal information ''. 

I called on XX/XX/2020 and spoke to customer service person, XXXX at XXXX XXXX CST to ask what exactly they couldn't verify and was told that they have no explanation. I then asked to file a complaint and I have not heard back from Discover.
Complaint sub-issue: Reinserted previously deleted info

I disputed is this information though Equifax Credit Reporting Agency. After a 30 day in investigation this item was removed from my credit report. I have a XXXX XXXX account and this account is reporting once again.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX - XXXX This account is being improperly reported, I have disputed this account with XXXX XXXX and XXXX and this account has been removed from my credit report due to not being able to be accurately and thoroughly verified. This is my third attempt to get this account removed from Equifax due to not being able to accurately and thoroughly verify this account. I have received no proof that this account is actually accurate. My FCRA rights has been violated due to the inaccurate information being reported and I will seek legal action per violation if this account is not deleted immediately from my credit report!
Complaint sub-issue: Their investigation did not fix an error on your report

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 1 month to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have repeatedly requested documentation verifying said account XXXX XXXX. Your company has repeatedly denied my requests for verification of the thorough investigation completed by your company. In doing so, your company is violating my consumer rights, damging my credit and defaming me under section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). During verbal and written communication with you company 's representatives, they stated accounts were verified and investigated electronically by a particular system publicly known as XXXX. Any Automated Consumer Dispute Verification is not fair or a thorough investigation of disputed inaccuracies. This will be my final request and warning to thoroughly investigate, correct, and provide legal documentation of investigation results within 30 days.

You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified without XXXX or any Automated Consumer Dispute Verification software and deleted immediately XXXX XXXX
Complaint sub-issue: Card opened as result of identity theft or fraud

i did not apply for this card please Take this inquiry off
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act Convergent Account # 's 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 XXXXXXXX XXXX XXXX XXXXXXXX, and 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 The credit bureaus have failed to follow the law and have constantly ignored my requests to delete and remove these accounts from my credit report.
Complaint sub-issue: Account information incorrect

Citi Bank A/C # XXXX XXXX XXXX XXXX I had tried Numurious time to resolved these late payments, but i failed they are reporting 30 days late payment on XX/XX/2016 which was never late.this effecting my life i am in contract for buying a house can't get a mortgage because of this incorrect late payment.
Complaint sub-issue: Information belongs to someone else

I have already tried reaching out to this credit bureau about fraudulent accounts that have been reporting on my credit and nothing has been done to solve this issue. There are still accounts reporting that do not belong to me and I want these items re disputed for further investigation. I was a victim of identity fraud and my personal information was used to open these accounts without my knowledge.
Complaint sub-issue: Information belongs to someone else

Got a phone notification that I had applied for credit with Elan Financial Service, and have not. Called them and they said that they will canceled the application and for me to contact this web site to stop this from happing again.
Complaint sub-issue: Reporting company used your report improperly

In according with the FCRA convergent account below has violated my rights In accordance 16 USC 1681 Section 1602 A states I have the right to privacy.

16 USC 1861b Section 2 also states : A consum
er reporting agency can not furnish a account without written instructions. 

XX/XX/XXXX XXXX XXXX XXXX Partial Acct XXXX {$1800.00} XX/XX/XXXX XXXX XXXXXXXX Acct XXXX XXXX {$110.00} XX/XX/XXXX XXXX XXXX Acct. XXXX {$0.00} ( 3 Entries ) XX/XX/XXXX XXXX XXXX Acct. XXXX ... {$1300.00} XX/XX/XXXX XXXX XXXX XXXX Acct. XXXX {$4400.00} XX/XX/XXXX XXXXXXXX XXXX XXXX Acct. XXXX {$240.00} XX/XX/XXXX XXXX XXXX XXXX GA XXXX ID # XXXX XX/XX/XXXX XXXX XXXX  Acct. XXXX {$860.00} XX/XX/XXXX XXXX XXXX XXXX Acct. XXXX {$78.00} XX/XX/XXXX XXXX XXXX Acct. XXXX {$200.00} XX/XX/XXXX XXXX XXXX Acct. XXXX {$860.00}
Complaint sub-issue: Was not notified of investigation status or results

In XXXX and XX/XX/XXXX, I filed a dispute with this credit reporting bureau about the unverified account XX/XX/XXXX Account number XXXX. In those 2months I have asked numerous times for a response or to be and I have not received anything in response from these bureaus in over 60 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about this unverified accounts as of today. Thank you
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I am responding to request for feedback regarding ID XXXX - XXXX for I could not get your web site to function. This edited letter was sent to Citi Bank on XX/XX/XXXX : Note to CFP difficult to read. What does " Citibank can attempt to obtain a credit on your behalf by returned the charge to the merchant 's bank : however ... '' even mean? Documentation of our canceled flight on XX/XX/XXXX and flights for the foreseeable future has been sent to you many times. Is there a marketable item such as a non refundable ticket for a non existent flight? Additionally, because we disagreed with your resolution, you apparently reported us to XXXX, XXXX  and XXXX  even though all disputed funds were extracted through " autopay '', completely at your discretion, from our personal checking account. What senseless bullying - hardly reflective of a respected financial institution. 
Hoping for some comprehensive resolution here, XXXX
Complaint sub-issue: Account information incorrect

Accounts on my credit file are unverified and unauthorized
Complaint sub-issue: Their investigation did not fix an error on your report

Please be advised this is my FIFTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary d

amages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. Despite four previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2021 Balance : {$0.00}.
Complaint sub-issue: Problem accessing account

The nature of this complaint arises from the consumer ( XXXX ), being Hacked this past Friday. XXXX, was the victim of a scam as a result of being a XXXX XXXX customer. It appears that someone was trolling the XXXX XXXX and I was called back five minutes after dealing with the XXXX XXXX concerning a printer issue. Henceforth, XXXX was vulnerable to these financial crimes. XXXX learned this past Saturday, that the criminals hacked into his computer stolen the sum of {$400.00} and of that sum, monies {$150.00} were transferred to a online Bank using XXXX XXXX that operates in the virtual world. XXXX alerted his Bank ( PNC Bank Fraud Unit ), that Saturday. The Fraud unit took the report and locked his account. XXXX was told to go the the branch and open a new checking account and obtain a new ATM card. On MondayXXXX, XXXX did just that. The Branch Manger ( XXXX and his Associate, XXXX ) were on the phone to the Fraud unit for over an hour. XXXX, then suggested, he would call at home ; XXXX was on the telephone for Three Hours awaiting to speak with a Representative of PNC 's Fraud unit to unlock his old account and transfer his funds to the new account. 
The essences here is, XXXX was on the telephone on XX/XX/2021 for two hours trying to get his electronic banking set up and to get a explanation why PNC placed a hard hold on a check for {$42.00} in change or there about. There were plenty of funds to cover this check. XXXX has no- access to his money in his savings or checking account. He is told, that no one wants to work, and PNC is saving excessive amount of money running a Bank on a shoe string at the expense of the customers. This is clearly, unacceptable and not something any customer should tolerate. I can not buy the argument that no one wants to work. Maybe, it is the Bank does not want to pay, or hire older candidates.
Complaint sub-issue: Information belongs to someone else

I would like to report the XXXX  XXXX XXXX account # XXXX reporting in my credit file. This account is under the name of " XXXX XXXX '' and DOES NOT BELONG ON MY CREDIT REPORT! MY COMPLETE NAME IS XXXX XXXX and not XXXX XXXX. I am not who this account should be reported under. I did not open this credit card. It is either, I am a victim of a MIXED-UP FILE ERROR either by the bureaus or by XXXX  XXXX XXXX itself or this is Fraud. In any way, this account does not belong to my credit file and would like to request to completely remove and be blocked from reporting on my credit file.
Complaint sub-issue: Personal information

On or around XX/XX/2015 I completed in online dispute with Equifax. I advised that I am not a Junior and provided a copy of my birth certificate and copy of my social security card. The information was changed to exclude XXXX but two weeks later after filing a separate action with CFPB on XXXX/XXXX/15 equifax changes my name back to include XXXX. I have advised Equifax on numerous occasions prior to this request that I am not a XXXX nor have I ever been a XXXX. This behavior has been consistent with Equifax when you challenge them about incorrect information. I have been denied credit due to my name not matching the credit file.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I received a message from a credit monitoring company that my data was breached, including my name, social security number and driver 's license, and noticed recently that someone has either opened or tried to open accounts at two or three institutions including, but not limited to XXXX XXXX, XXXX  XXXX XXXX and XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act. Everything has to be 100 % accurate on my credit report. 
RE : XXXXXXXX XXXX XXXX XXXXXXXX Account : XXXX The credit bureaus stated my account was properly investigated and accurate, however that is not possible because there are still inaccuracies remaining on my credit report. 
Attached is a copy of my report with the inaccuracies circled in red. 


In accordance with the Fair Credit Reporting act 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.
Complaint sub-issue: Information belongs to someone else

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}, XXXX XXXX BANK XXXX Date XXXX XXXX XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}, XXXX  XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$16000.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$450.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$410.00}, If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.