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

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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
Complaint sub-issue: Investigation took more than 30 days

On XXXX I 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 im begin taken advantage of and begin ignored if my disputes. Section 611 ( a ). It its plainly stated that a failure to investigate those items within 30 days gives 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 litigation due to the stress you caused me. My information was also impacted by the Equifax XXXX breach and may have got into the hands of the wrong person
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There are a lot of business inquiries on my credit report. i have no knowledge of these inquiries. I have sent in letters to the bureau, asking them to remove these items. At this point and time no actions have been taking. These items are affecting my credit profile and are stopping me from being able to obtain things. can you please resolve this issue for me and in a timely matter? These items were put on my credit report from XXXX of XXXX of XXXX!! 



Thank You!!!
Complaint sub-issue: Account information incorrect

The above three accounts ( Discover, XXXX XXXX, and XXXX ) appear exactly as attached hereto on my credit report, but must be removed immediately. I have previously written each of the above fake " creditors '' a minimum of six times certified mail about the above accounts, which appear erroneously on my credit report. Under the Fair Debt Collection Practices Act ( and the Fair Credit Reporting Act ) these three companies ' repeated lack of any valid response by itself means that the CFPB should take legal action immediately. In addition to lack of response, the very data from the reports themselves copied above from my credit report all indicate that each account is WAY more than 7 years old, which in and of itself is dispositive. To be clear, these three accounts are not, nor were they ever, in my personal name nor guaranteed by me, and they are also more than seven years old, as the above " re '' notations demonstrate. What apparently is happening is that these companies are Illegally attempting to use fraudulently much more recent dates - the dates when the companies finally unilaterally got around to " writing off '' the amounts owed -- because these 3 companies knew that they could not win a lawsuit because the debts were not and never were mine. In sum, none of these accounts was ever in my personal name or guaranteed by me, all 3 are ADMITTEDLY, by the information provided above, more than 7 years old. 
These companies scoff at federal law and essentially say, " sue us, '' which suit enforcing the FCRA is really the responsibility of the federal government law enforcement agencies, not individual consumers like me. I have written the CFPB before about this matter previously but have not received a response.Whatever the next step is, lets take it!
Complaint sub-issue: Debt was paid

I paid the debt of {$150.00} ERC collection company for XXXXXXXX XXXX XXXX of 2018. When i paid the debt i ask could it be taking off my credit report. the young man i spoke with said it would come off in 45 days. It came off as promised, then they put it back on as Paid. this is an unfair credit act.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Consumer Reporting act XXXX XXXX XXXX  allege account 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Received bad information about your loan

I signed a private student loan contract with XXXX in XXXX of XXXX when I was XXXX and had just graduated high school. The student loan dispersed in XXXX of XXXX and XXXX of XXXX. When the loan was signed I was informed that there were no other options available, including being told that the government would offer no assistance. I declined a federally subsidized student loan at a lower interest rate to sign off with the XXXX private student loan. They rushed the process and brought my family in as co-signers on the loan without providing all the information. 
In XXXX my loan was sold to Discover Student Loans. 
I have made payments over the twelve years totaling {$15000.00} on a loan that was for {$12000.00}. I continue to make payments of between {$50.00} to {$100.00} a month and the loan will be paid off in 20 years according to the company. When I asked XXXX about why I would be pushed into a private loan instead of a federally subsidized loan they told me that they could not provide any information and that I lost my opportunity. This loan has damaged my credit, the credit of my family member and caused stress in monthly finances of my family. The loan was predatory from the beginning but only recently have I come across all the information that was denied me at the time of the signing.
Complaint sub-issue: Information belongs to someone else

My identification was stolen and the person opened a Citibank account and I keep receiving letters regarding fraud charges.
Complaint sub-issue: Personal information incorrect

Equifax has my loanpal acocunt under the name XXXX XXXX XXXX while using my Social Security nuimber. My legal name is XXXX XXXX XXXX. Equifax still has not allowed me to dispute this and they refuse to provide any support on this. This needs to be fixed so the name on my account matches the name on my Social Security Number
Complaint sub-issue: Debt was result of identity theft

I Have contacted Discover multiple times via certified mail to inform them on the fraudulent account that they keep attempting to collect on. I was a victim of identity theft where my information was used to sign up for an unauthorized credit card. That credit card was fraudulently used and accumulated a balance and was later defaulted on. I sent the identity theft paperwork to Discover several times, yet they continue to harass and threaten me with demands of payment and continue to furnish fraudulent information on my consumer report that is harming my reputation and damaging my ability seek employment. I have never validated any debt owed to Discover and dispute all allegations of the alleged debt. I have repeatedly ask that Discover send me original documents of the contract that was allegedly signed in writing. They have never done so leaving the assumption that they are incapable of providing this documentation. I am asking that you please assist with the removal of all accounts associated with Discover from my consumer credit report. Thank You.
Complaint sub-issue: Their investigation did not fix an error on your report

i have 2 accounts reporting on my credit with Equifax that show a balance. I have provided letters to equifax showing the accounts were paid and ARE to be DELETED from thier reporting. Per Equifax Supervisor XXXX employee ID # XXXX, she stated even though they have received the letters they will NOT CORRECT THE REPORTING. I have contacted the Creditor 's Directly and they have told me that the Reporting was already completed and Equifax was told to Delete the Accounts. XXXX and XXXX  Deleted the accounts on the Same day XX/XX/26, Equifax REFUSES to DELETE or even show its paid off!!!!
Complaint sub-issue: Didn't receive terms that were advertised

I opened an account with US Bank in response to a {$400.00} new customer offer. After opening the account, I became aware that US Bank had acquired another bank 's accounts, and thus myself as one of their customers. US Bank continues to use the branding of the prior bank on these accounts and has provided no communication indicating a transition of ownership. 

Once realizing that this may mean that I did not qualify as a new customer, I reached out to US Bank and was assured by multiple associates that the separate branding for the prior account meant there would be no issue and that I should continue fulfilling the terms of the offer. I then fulfilled the terms and completed the offer. 

However, the {$400.00} bonus never arrived and each contact with US Bank assured me that I had met all of the requirements and to just give it a few more weeks. I continued asking US Bank to clarify the timeline for the bonus payout, which eventually lead to a " research request '' being filed. I was told that I would hear from US Bank within a few business days. I never was contacted and subsequent contacts with US Bank indicate no such " research request '' existed. 

After it was clear the " research request '' didn't exist, I requested a path to resolution from US Bank and was directed to go into a physical branch, which was the only way to get it resolved. I did so, and they proposed filing another " research request. '' I was again assured that I would be pro-actively contacted with the results and that it would be a few business days. I again have received no communication from US Bank on this matter. 

As part of my in-branch visit, we were able to ascertain that US Bank does not honor USPS 's National Change of Address program like other banks I associate with. As a result, any physical notification of the acquisition of State Farm Bank accounts by US Bank was sent to a known old address and returned to sender by USPS. US Bank then clearly took no action to contact me via phone or email to convey this information to me. 

As a result, I opened the new account in good faith belief that I was a new customer and was repeatedly assured that it would not be an issue. After repeated attempts to resolve the matter, I continue to get directed to non-existent " research requests '' with no clear answer.
Complaint sub-issue: Billing problem

I leased a Tesla XXXX XXXX  ( XXXX ) from Tesla, and after returning the vehicle on XX/XX/2022, Tesla still charged my bank account {$560.00} for XXXX as if I had not returned the car. 

I have sent about 30 emails and called many times, but Tesla does not have a real person that answers any of their phones, and I had to leave voicemails. 

In reply to one of my emails, I finally received a return call from XXXX XXXX, a Lease Maturity Specialist, and she explained that there was some kind of mixup in their system, and when I returned the car, my billing account did not get automatically closed as it should have and that is why I got charged for another month. 

She said she could not refund me for the {$560.00} charge until the billing department closed my billing account. A week later, I still had not heard anything from anyone at Tesla, and I got another email saying they were going to charge my account again on XX/XX/2022, for another {$560.00}. 

I called and left another voicemail but could not speak to a real person, and no one called me back. 

I sent another email saying I want my money back immediately because it's not my fault they made some kind of mistake and I need the money. 

I got a reply email saying this : " Any overpayment will go towards your excess wear and tear as well as your end-of-term charges. '' I replied and said it was not an overpayment! They fraudulently charged me for a car I had already returned, and I want my money back now. 

I have not heard back or received my refund, and I still can't talk to anyone at Tesla about all of the problems. 

Its hard for me to believe it is legal for a company to charge me {$560.00} for something I didn't get, and while I do understand mistakes happen, the fact that I can not talk to anyone about the problem on the phone and they have not refunded me makes the whole thing look very scammy.
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX I received a credit alert stating that XXXX reported a new address update Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Oregon - XXXX Im very concerned because this is definitely inaccurate and I believe Im being targeted for identify theft. 

There are other inaccuracies on my 3 credit reports as well. This is the most recent one.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been sending written correspondence to XXXX and Equifax regarding an account from XXXX from XXXX since XXXX of this year and have made zero progress.

The account is reporting inaccurate and incomplete information. Additionally, there is a serious timeliness concern with this antiquated account. 

I understand that Equifax has been plagued by the additional burdens of being under Federal Investigation due to false reporting. I am not sure why XXXX has not provided any clarity on the situation or the requested proof or documentation to support the inaccurate and untimely information that is being reported.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX  XXXX  XXXX  # XXXX & Credit Acceptance # 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 stated a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Trouble using the card to spend money in a store or online

Hello. Me as well as my partner and Im hearing co-workers have a continuous issue with XXXX bank Salary at sea card issued to XXXX XXXX cruises employees. Since we work for the cruise company clierly we travel a lot and quiet often having problem withdrawing money from ATM or making payments ( is being declined and banks charging you for that ) whether is restorant shop or online. Every time have to call the bank and they say you are in high risk area but they will fix the issue XXXX Ive never complain about any unauthorised transactions and keeping my card details safe ) however its never being fixt right away and you find yourself being embarrassed and looking for solution ( that often coast you more ) how to make a payment at restorant or shop or whenever you might be at the time. So you have to call them again ( from foringh country that calls are expensive ) and then they say that in that case you must wait XXXX-48h. So now you are abroad in situation where you need money but cant get any because of your banks issues. Nevertheless often XXXX.dont solve the issue and you still not able to get any money from ATM so you have to call them again and again. Often happens you simply cant even access your bank because it wont accept your call since you keep trying to call them it says you reached num.of tries. So you just spend you vacations stranded in one place with no money and not able to reach your bank nor that it helps when you do. Imagine situation where you find your self on a night out and not being able to pay your bill then you taking a taxi to ATM but any transaction being declined. Let me be clear-that not just happend once or twice its a constant sruggle even if you tell them you planing to stay in the country for a month few day later your card is not working again.
Complaint sub-issue: Information belongs to someone else

According to FCRA, if I send you a dispute to fix my file, you must comply. My credit file still shows stuff that I said I don't validate and that shouldn't be there.
Complaint sub-issue: Information belongs to someone else

The car is reporting on my credit report as a repossession. We dont have any information on said car and would like it removed.
Complaint sub-issue: Debt is not yours

On XX/XX/2021 i received correspondence from Avante USA attempting to collect a debt that does not belong to me
Complaint sub-issue: Information belongs to someone else

I am filing a complaint because there is an account on my Equifax report that does not belong to me. The account is with XXXX XXXX XXXX ; I have tried repeatedly to resolve this issue withe Equifax and have had zero success. In one of my recent disputes, they informed me that the account was verified ; howevever, they've provided no proof of their claim. I have asked for verification, but received none. 
Not only is Equifax reporting false information on my credit report, to my understanding, under Section 611 ( 5 ) ( A ) of the FCRA, they are to promptly delete all information which can not be verified. I am requesting that all information that this XXXX XXXX account, in which i have been trying to get removed for months, is removed, ASAP. 

Everytime that I have disputed this matter, their response is " The creditor has verified that this account belongs to you. '' I had no problems getting this issue resolved with XXXX and XXXX. A representative at XXXX told me that this is illegal on behalf of Equifax and that I could sue them for false reporting.
Complaint sub-issue: Public record information inaccurate

I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future. I have never filed for any type of Bankruptcy.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX XXXX 2020 I 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 30 days gives a reason to immediately remove those items on 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 got into the hands of the wrong person.
Complaint sub-issue: Debt was result of identity theft

these people keep claiming that i opened an account with them I NEVER opened an account i never signed anything anyone can sign my name to look like forgery again its fraud and there still refusing to remove this account at this time i filed a police report as my attorney stated and im giving you guys once final opportunity to delete this account from my name before i file a lawsuit against your bank BB & T and call for a national boycott of the XXXX XXXX XXXX XXXX XXXX against your bank and there willing to do that there email is XXXXXXXXXXXX and go public on XXXX im sick and tired of your crap!
Complaint sub-issue: Account status incorrect

I recently was made aware that there was a balance on my Citibank Mastercard. I called and paid off the account on XX/XX/2020 with the understanding that this would end the negative reporting to my credit report files as required by the fair credit reporting act law. Citibank continues to report negative reports to the credit bureaus about this account even though l paid this account off. I spoke with manager XXXX # XXXX ( XXXX ) on XX/XX/2020 to try and resolve this issue but he refused to listen to reason or accept that I have the receipt showing that the account was paid off on XX/XX/2020. Furthermore, XXXX insisted that even though I paid off the account, Citi bank had the right to continue to submit negative reports to the 3 credit bureaus about this account that I paid off. This is a direct violation of the Fair Credit Reporting Act. I am really bothered by Citibank 's unethical practices and want this matter resolved ASAP!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Many inquires were made that I dont recognize and the dates are all different
Complaint sub-issue: Didn't receive notice of right to dispute

Today I received an alert from XXXX XXXX that I have a collection reporting on my credit report. 

I don't know anything about this debt. The debt collector never reached out to me, instead they put a medical collections on my credit report. Plus it says date of service was in XX/XX/2021, I was in XXXX, XXXX. 

This debt is bogus and I wasn't provided anything to verify this debt
Complaint sub-issue: Personal information incorrect

I am having issues with inaccurate information showing on my credit report my name should be listed as XXXX XXXX XXXX. Please remove any other variations of my name. My only address is XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX please delete the following addresses they are not mine!!! 
XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Complaint sub-issue: Reporting company used your report improperly

I have obtained my consumer credit report and I have noticed that there is bankruptcy reporting. I have disputed with consumer reporting agencies through phone call and through mail. I was instructed that it was furnished through the court and XXXX XXXX. After contacting them both, the court responded on XX/XX/2021 that they dont report to any credit bureau and on XX/XX/2021, XXXX XXXX responded that they have deleted the bankruptcy from my file after my dispute. I have already sent proof to all 3 consumer reporting agencies through certified USPS mail.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX ; XXXX Account # XXXX ; US DEPT ED Account # XXXX ; DPT EDXXXX Account # XXXX, DPT EDXXXX Account # XXXX ; XXXX Account # XXXX, Account # XXXX ; XXXX Account # XXXX and XXXX Account # XXXX have 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 an account without my written instructions
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

I am a victim of the government shutdown and can not afford to make payments at this time. The company insists on a payment and continues to call. I need to defer payments for at least nine months.
Complaint sub-issue: Report improperly shared by CRC

I pulled my credit report and noticed that there were some unauthorized inquires on my report. Therefore, I contacted the creditor listed and their response was that they did not actually pull my report, but that another company used their software. They then referred me to another company I have never heard of and I was unable to resolve it with them as well.