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

On XX/XX/2021, I sent Equifax a letter to address several inaccurate, unknown and incomplete items on my report. 67 days letter, no response has been sent to me, and they are ignoring me.Section 611 ( a ) states that failure to investigate the disputed item within 30 days gives a reason to immediately remove said items from my report. It has 67 days, therefore I need these items deleted promptly. It is exhausting and stressful. I demand this account to be removed immediately or I will file for litigation due to the constant stress this has caused me. In addition, my information was compromised in the Equifax data breach, and my info may have fell into all the wrong hands.
Complaint sub-issue: Their investigation did not fix an error on your report

I'm really upset at how my credit report is being handled. I've sent out a couple of dispute letters to resolve my issue. I did not receive the signed contract I asked for from all three bureaus. Due to the FCRA, if the original contract is not produce the account must be deleted immediately. 
In accordance with the Fair Credit Reporting Act XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not famish an account without my written instructions
Complaint sub-issue: Problem using the card to withdraw money from an ATM

N26 PREPAID CARD HAS SUSPENDED MY ACCOUNT, STATING THAT MY ACCOUNT IS UNDER REVIEW RIGHT AFTER RECEIVING MY DIRECT DEPOSIT!!! IF MY ACCOUNT WAS UNDER REVIEW NO MONEY SHOULD HAVE BEEN ACCEPTED INTO THE ACCOUNT FOR THEM TO HOLD. NOW I HAVE NO MEANS OF LIVING AS THIS IS MY EMPLOYMENT INCOME. THEY ARE REFUSING TO GIVE ME A GIVEN TIME FRAME AND IS BASICALLY TELLING THERE IS NO SET AMOUNT OF TIME FOR ME TO RECEIVE MY FUNDS, THEY ARE NOT EVEN OFFERING THE ACCOUNT TO BE CLOSED AND I RECEIVE MU REFUND BY CHECK. THIS IS ROBBERY AND IT HAS BEEN ENTIRELY TOO LONG WITHOUT A RESPONSE AND IT ALSO TAKES UP TO 2 WEEKS FOR MY DIRECT DEOSIT INFORMATION TO UPDATE WHICH MEANS IT CAN BE ANOTHER LOST CHECK. WHAT THIS COMPANY IS DOING IS ILLEGAL AND THEY ARE ATTEMPTING TO SHOW MONEY. PLEASE PROVIDE A EXACT TIME FRAME FOR REVIEW OR SEND ME MONEY.
Complaint sub-issue: Attempted to collect wrong amount

I was illegally moved out of my lease after putting a notice to vacate and was precise that I would finish lease but wanted to put in advance of 60 day window to be able to keep deposit. They moved me out of apartment while I was still paying rent ( on time ) was never notified of situation. The sent remaining money that would have been on the lease straight to collections and didnt work or talk anything out. Lease ended this month this collections where sent in XXXX so lease was almost up. They sent me a bill saying XXXX on XX/XX/25 but sent to collections a bill of XXXX. The apartments are XXXX XXXX XXXX in XXXX XXXX and debt collection agency is XXXX XXXX.
Complaint sub-issue: Didn't receive enough information to verify debt

In XXXX, I was contacted by XXXX collection agency regarding an account sent to collections for an Apartment Complex. I moved and due to extenuating circumstances, I was not given credit but, the real estate company demanded payment on my lease. This was sent to the collection agency. I set up a payment arrangement with this company in XX/XX/XXXX for approximately {$230.00}, to be withdrawn out of my account on the first Friday of every month. I heard nothing from this company and as far as I knew, the payments were being drafted. In XXXX of XXXX, I started receiving letters from this company stating that I owed them a balance and needed to contact them to set up a payment arrangement. When I called after receiving the letter, I asked to speak with someone and was told that the Rep handling my account wasnt available, but the gentleman on the phone could help me. I asked him about my account and why I was receiving the letters, he advised that it must be a mistake because he could see where the payment arrangement had been made and was scheduled to draft from my account. I asked him again about the letter and asked for my balance remaining which he couldnt give me but, told me my account would be paid in full in XXXX first, then he changed it to XXXX. It didnt make sense and he stated that the letter was a mistake. I received another letter, now multiple letters and called again, this time the person on the phone rudely told me that they had been trying to draft my account since XXXX and the drafts had been declined. She also stated that they demanded the balance be paid in full because they werent willing to set up another payment arrangement. After yelling back and forth and not getting answers to my questions, I hung up and called my bank. I asked my bank to research any declined charges that hit my account and, they didnt find any. Im not sure what these people are trying to do but, when I call, I dont get accurate information. Additionally, if the auto draft payments declined, why doesnt my bank have a record of them? Additionally, why has this company not sent any correspondence about this since XXXX? Its now XXXX, I havent spoken with anyone about this until last week- the first week of XXXX. 
Im not sure what theyre doing but, the fact that my back doesnt show any declined drafts and the fact that they are demanding payment in full all of the sudden, in addition to the conflicting information I receive from these people gives me pause with regard to their collections practices. Since calls are recorded, they should have a recording of all calls, especially since they have allegedly spoken to me on numerous occasions. Ive only spoken to these people no more than 3 times, 4 at the most. If theyve spoken with someone else, it certainly isnt me! The representative says they have multiple people who gave my name, perhaps they are mixing us up!!!
Complaint sub-issue: Old information reappears or never goes away

This company is reporting an old information and I want it removed because it is damaging my credit scores.
Complaint sub-issue: Reporting company used your report improperly

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

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1682 section 603 A section 2 : It also States a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Their investigation did not fix an error on your report

This complaint is related directly to Flagship Company who I am in a current contractual agreement with regarding my vehicle. On XX/XX/2020, I called in and spoke with XXXX who is a manager in  collections provided a verbal authorization for a 1 month deferment for my XX/XX/2020 payment ( which would be 14 days past due at the time ). Upon calling to make my XX/XX/2020 payment on XX/XX/2020 I was advised that I was still due for the XXXX payment. I informed that although the verbal authorization was notated on the account, the required paperwork was not sent out to me to complete the deferment. I would have no indication of that just being a borrower not an employee and in regards to speaking with a manager I would have thought that all the necessary requirements were completed. Due to Flagships negligence, I received a 30 day marker for my XXXX payment in which I have never been late on the account since I've obtained the loan. I feel that because this is an error on Flagships part in regards to NOT sending the required paperwork, I should not be penalized because the ball was dropped on their end. This 30 day late marker has impacted my credit report tremendously. I hope that you will take the time to review my request and find it have this corrected expeditiously.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 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 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 and updated 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: Credit card company isn't resolving a dispute about a purchase on your statement

I was trying to add new information for complaint XXXX under the CFPB that I summited last night. I just spoke with a supervisor from USBANK on XX/XX/2022. Her name is XXXX XXXX and she refused to give me her last name. XXXX XXXX just stated to me that I was sent a letter suggesting me that I should talk to a third party lawyer and get a letter. She suggested that USBANK sent me a letter with a given deadline, but latter stated that in fact I never received such letter because the bank never sent that to me. When I asked her why the bank didn't provided me with appeal rights and a deadline, she stated that " we didn't though that you were going to win the dispute with XXXX because you only had like one day to dispute and therefore we never send your appeals right info. She could never explain why nobody ever called me from the dispute department and told me I only had one day and that I was wasting my time and money by speaking with lawyers. I called the bank multiple times and ask to speak with dispute and fraud reps and after been told they were calling me back, they never did. Is clear that the merchant violated my rights by not even providing my appeal rights and handling my case poorly. I want your office to do something about the bank violating my rights and making me waste time and money talking to lawyers when they knew they were not going to be able to help me, but never said anything to me. It seems that USBANK didn't know how to handle my case properly and violated my rights. I was given the wrong information multiple times on a recorded line about my timeline for the dispute and now my rights had been violated again by not providing my appeal rights and the staff constantly giving me the wrong information.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is incorrectly reporting XXXX accounts for XXXX XXXX XXXX Equifax has repeatedly denied my request for deletion online, by phone and written dispute countless times over the last XXXX  months for these XXXX XXXX XXXX XXXX. Equifax has deleted an erroneous chapter XXXX bankruptcy from my credit file due to my identity being compromised last year, but has neglected to delete these XXXX XXXX XXXX XXXX accounts associated with the deleted chapter XXXX bankruptcy. 

Also, both XXXX XXXX XXXX accounts are nearing or have exceeded the XXXX  year deletion date of first delinquency.
Complaint sub-issue: Information belongs to someone else

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$810.00} XXXX  XXXX XXXX {$2600.00}
Complaint sub-issue: Information belongs to someone else

I have several inquiries that were not obtained with my knowledge or permission. I tried to get the credit bureau to look into it after I received a letter from the company I called the company who stated it was a soft pull and should not have shown on my report and referred me to the credit bureau. Dates were XX/XX/2022 and XX/XX/2022 by XXXXXXXX XXXX Also 2 more inquiries came from XXXX XXXX. 
There are 8 plus collections on my report as well They state they are open but are in collections with a collection agency. I have exhausted all avenues with the credit bureaus but they ignore me and report they are correct after 3 days. I have several names and addresses, credit accounts etc that are not mine. I am a victim of identity theft and the credit bureaus are not helping.XXXX is refusing to give me a report of any kind. The others are not truly investigating.
Complaint sub-issue: Information belongs to someone else

I was going over my credit report because I am trying to buy a home and I seen that someone has been using my identity for accounts and utilities. I have never lived in XXXX XXXX XXXX , XXXX, TX XXXX or done business in that state. I do not recognize the inquires and companies : XXXX XXXX, XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX # XXXX, XXXX XXXX # XXXX. I in the process of securing my credit files, and personal Identifiers with XXXX XXXX, XXXX XXXX, Equifax, and XXXX I had to file a complaint with the FTC as well. It is possible that someone is still using my name and information.
Complaint sub-issue: Account information incorrect

I used Credit Karma Tax to file my taxes for 2018. They misled me by making me omit an important tax form that caused me to owe more than I reported ( {$7000.00} including penalties ). This was the first time I received payments as a consultant and wasn't sure how to process it. I wasn't aware I needed to upload this form because they didn't ask me about it like my previous tax preparing software did ( XXXX XXXX XXXX XXXX ).
Complaint sub-issue: Public record

XXXX with XXXX and IRS. Received paperwork and was told to send to each credit reporting bureaus to have deleted from records which I did on XX/XX/XXXX. Received updated copies of credit reports from everyone except equifax. Received a letter from equifax with information on IRS still on letter and contacted them by phone. Was told I did n't ask for an updated copy of report and had to contact superior court in XXXX to get erased. The agent and supervisor were very rude and when sent me a copy of report, did not update information. I contacted superior court and was told normally the credit reporting agencies contact them directly for information but would send me the information at a charge. I got copies and sent to each credit reporting companies so everyone would same information on XX/XX/XXXX. Did not have a problem with the others but just wanted to make sure nothing came back.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

While checking my Equifax consumer report, I notice unauthorized and fraudulent credit inquires made by the following companies ... Block and remove all Inquires listed below resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c- ( 2 ) which states that these inquires must be removed within 4 Business Days of receipt. I have also mailed out a FTC report to Equifax. 

XXXXXXXX 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 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
Complaint sub-issue: Old information reappears or never goes away

I 'm filling a complaint against  XXXX  credit bureau  XXXX ,  XXXX , and Equifax. I checked my credit at  XXXX    XXXX   which send me an alert that my credit score has changed. I checked my credit score on  XXXX   XXXX . My credit score had fallen very low from going  XXXX  to  XXXX   (   XXXX   ),   XXXX  to  XXXX   ( Equifax ) "  I was Mad ''. They are going old information that been remove d. One I do n't have a Bankruptcy. Second I do n't have a Tax Lien. I want all information re move " NOW ''. The information is attach to this complaint. I pay my bills on time and I do n't need false information against me or my family.     The Fair Credit Ac t ( 1970 ) 15 U.S.C -1681 The Truth in Lending Act The Fair Credit Billing Act 15 U.S.C -1681 State Status of Limitations The Fair & Accurate Credit Transactions Act The Fair Credit Debit Collection Act U.S.C 1692 - 16920
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have a hard inquiry on my credit report made on XX/XX/2019 that I know nothing about. It is on credit karma and XXXX XXXX report. Inquiry is from XXXX. I have notified all 3 companies and they keep telling me to contact each other. Nothing is getting done and needs removed from my credit. When I call XXXX they tell me that it's not them and is on my report fraudulent to contact again credit bureau and credit karma.
Complaint sub-issue: Other problem getting your report or credit score

On XX/XX/2022, I sent XXXX a certified mail letter requesting information in which I have yet to receive a response! XXXX is in violation of my rights as a Federally protected Consumer!
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft. 
XXXX XXXX IN THE AMOUNT OF {$1600.00} XXXX XXXX XXXX IN THE AMOUNT OF {$1300.00} XXXX XXXX IN THE AMOUNT OF {$410.00} XXXX XXXX IN THE AMOUNT OF {$830.00} XXXX XXXX IN THE AMOUNT OF {$270.00} ALL THESE CHARGES ARE A RESULT OF IDENTITY THEFT AND SHOULD BE REMOVED FROM MY CREDIT FILE IMMEDIATELY.
Complaint sub-issue: Reporting company used your report improperly

I called Equifax XX/XX/21 at XXXX to inform them that they've been violating my XXXX rights under the FDCPA! I was transferred to Supervisor XXXX in the Dispute department. I told XXXX that Equifax is in violation of 15 USC 1681b ( c ) 2. I demanded they remove the adverse items on the report/file. XXXX refused my demand as an consumer and even denied me an opportunity to address my concerns to another acting manager! I recorded this conversation! I sent the CEO a letter about this fraud, it was sent certified mail XX/XX/21. This XXXX feels hopeless as a consumer with these forces working against me. Whether it maybe by mail or on the phone, Im being violated according to FDCPA and seek ALL protections provided to a consumer by law.Please allow me to share the audio of the conversation and publish it as well. May God bless all those that may read this affidavit.
Complaint sub-issue: Personal information

Wrong address never lived there : XXXX XXXX XXXX XXXX XXXX, NY XXXX
Complaint sub-issue: Transaction was not authorized

A fraudulent transaction was made from XXXX for {$1500.00} that was withdrawn from my checking account on XX/XX/XXXX. I received a call from 'Citibank XXXX inquiring if I authorized payment of {$1500.00} to be transferred to someone in XXXX XXXX I replied 'no ' ; I did not authorize any such transaction. They proceeded to ask me to verify my information and open my online banking app on my phone. 

I grew suspicious and told them I did not authorize any transaction, nor did I ever use XXXX and that I would go to the bank to handle the inquiry. 

I went to the bank and we closed out my account and stopped my debit card. The bank manager tried to get information on the fraudulent activity, but we could not reach anyone who could help us. We stopped transactions on my accounts. 

I have yet to receive resolution from Citibank as they claim I authorized the transaction. I have requested information on their investigation and have never received any information on the investigation. I have attempted to call XXXX, but they will not speak with individuals, only people from the Bank. I have never used XXXX and am a CitiXXXX customer for over 30 years.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hello, and I hope all is well. While reviewing the credit profile to XXXX/Equifax/XXXX, the number of uncertain tradelines continues to be placed when the debt is unknown to the credit profile. XXXX XXXX XXXX hired a third-party collection of XXXX XXXX XXXX to report items on the credit profile. If out of network required treatment, nothing presented or explained during the time of visit was ill during the time of treatments. Pre-Authorizations are required before the visit. If practices failed prior, as a consumer, my credit shouldn't be compromised. The continued actions have violated the Federal Credit Reporting Act. This is a violation of the law with continued failed practices, which decreases my credit score and creditworthiness.
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. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRY COMPLETELY FROM MY CREDIT REPORT. 
XXXX of inquiry XX/XX/2020
Complaint sub-issue: Indicated you were committing crime by not paying debt

I received a voicemail today, XX/XX/2021 from XXXX with the Office of XXXX XXXX XXXX and ASG Solutions. Stating that there is a legal matter filed against me, per Federal Law. Further advising they have contacted the DMV and my local jurisdiction of XXXX XXXX County. I was also advised by my step father that he received a call from the same personal today, stating there is a legal matter filed against me, per Federal Law. Also advising they have contacted the DMV and local jurisdiction.
Complaint sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint : Bank of the West has not provided the State of Ohio with funds for taxes and registration, or title for recreational vehicle purchased in my name on XX/XX/2021. Todays date is XX/XX/2021 Due to this delay I have had to purchase temporary tags for the vehicle and the tags have since expired. Bank of the West consistently conveyed unrealistic timeframes for loan approval process, and funds distribution post approval. 

I contacted Bank of the West through the XXXX XXXX Website to secure a loan to purchase a recreational vehicle from a private seller. The seller and I both live in Ohio. 

Working with Bank of the West was a pretty disappointing experience. My Loan Representative did not disclose realistic timeframes throughout the loan approval process and post approval. They delayed so long in fact, that I would was stuck working with them, or I would have to get another hit on my credit by moving my business to another bank. It was a classic bait and switch situation.

After months of delay after being approved for the loan Bank of the West did in fact come through with payment for the seller. However they have not yet presented the title and funds for taxes and registration to the State of Ohio. 

I have called too many times to count since acquiring the vehicle. Hold times range from 40 minutes to 1.5 hours. Often times I am disconnected without reason. I have been told I would be called back and no one calls. Absolutely terrible customer service all around, but now what they are doing is illegal. Holding funds that belong to the State of Ohio for taxes and title for over 60 days.