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

This company took more than 30 days to respond to my dispute letter when it was received. Under the FCRA 609/611 They are required to fully verify the above disputed items within 30 days, or you must delete the items from my credit report. They are required to do this under the FCRA 609/611 provisions. I demand the disputed accounts to be deleted. 

Disputed letters : Date received XX/XX/22 Date replied XX/XX/22
Complaint sub-issue: Account information incorrect

I have disputed several items with each credit agencies snd the information still remove two accounts on my report should be removed because it was requested by both companies to be removed XXXX and XXXX  REQUESTED TWO FILES BE REMOVED YET XXXX  EQUIFAX AND XXXX  ARE NOT ABIDING THIS IS ONGOING AND MY SCORE IS NOT BEING RAISE CORRECTLY I am at a point to seek counsel because for years I have kept record of the mis information XXXX DELETED ASAP XXXX DELETED ASAP THEY ARE NO BALANCES ON THOSE ACCOUNT
Complaint sub-issue: Debt is not mine

The company Progressive management at XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX filed on my credit report for a debt for XXXX XXXX who is of new relation to me and I have never been married to
Complaint sub-issue: Debt is not yours

There a company name XXXX XXXX account number XXXX which is reflecting on all three of my credit reports. I do not now, nor have I ever had an account with this company. Based upon the information which they are listing as a debt, and they 're stating it was opened with a company by the name of XXXX XXXX XXXX and stating it was opened in XX/XX/XXXX. This information clearly shows that the statue of limitations have run out and does not allow XXXX XXXX to now try to collect on this debt. XXXX XXXX is trying to state that this account was open in XX/XX/XXXX and they took ownership of this debt but never notified me concerning this matter, but instead placed this on my account in the month of XX/XX/XXXX. XXXX XXXX is not within its right to collect this information and has provided false information on my report. I am asking that they remove all information from all three reports and never place this back on my account again.
Complaint sub-issue: Account information incorrect

its says I have a credit card witch is not mine and I do not have it is from XXXX  XXXX says the balance is XXXX and the credit limit is only XXXX
Complaint sub-issue: Funds not received from closed account

On XX/XX/XXXX I received an email stating that citi bank was closing my account. It has been 60 days and Ive called and spoke with over 20 reps. No one can tell me why they are closing my account or why the account has closed. This company is refusing to follow the federal guidelines outlined by the regulatory body for financial institutions. Citi bank representatives have hung up the phone on me and refused to answer my questions. They have denied me access to my money in the middle of a pandemic and no one seems to care. I feel XXXX XXXX by this bank and will be moving forward with legal action if these accounts are not closed immediately! The bank is also refusing to give me my money
Complaint sub-issue: Was not notified of investigation status or results

XXXX XXXXXXXX XXXX is inaccurately reporting a balance of {$310.00} not owed nor verified if owed and have made multiple attempts to request verification plus proof via documentation as well as an investigation that I owe this balance
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX Fraud XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Pass the removal date ( XX/XX/XXXX ) XXXX XXXX XX/XX/XXXX Pass the removal date ( XX/XX/XXXX ) XXXX XX/XX/XXXX Pass the removal date ( XX/XX/XXXX )
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX Account # 's 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.
Complaint sub-issue: Account status incorrect

I was signed up for Paperless Billing and did not receive any notice from FedLoan servicing that my bill was due in XXXX. In XXXX I spent six days in the hospital and had to have an unexpected XXXX and another in May. In XXXX, my wife and I were reviewing all of my medical and personal bills to ensure we had everything under control. To my surprise my credit score had dropped and I was several months delinquent on my four student loans. Had I known about the payment due I would have set up arrangements as I was intending on returned to school to finish up my degree after my illness. My student loans were put on forbearance, but they refuse to do anything about the delinquency on my credit report even though I did not receive any notice from them.
Complaint sub-issue: Account information incorrect

pay my account to XXXX XX/XX/XXXX and reported my credit it was not paid
Complaint sub-issue: Information is not mine

i am a victim of identity theft and was XXXX from XX/XX/XXXX until XX/XX/XXXX. I got released from XXXX Correctional Facility- XXXX XXXX on XX/XX/XXXX. Attached is a letter from the XXXX XXXX XXXX XXXX showing proof, I was XXXX and the following unauthorized and fraudulent accounts do not belong to me : XXXX XXXX Bank, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX Bank and XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX.
Complaint sub-issue: Didn't receive enough information to verify debt

This collection agency ( AMERIFINANCIAL SOLUTIO ) has violated HIPPA. I have never giving this company consent to obtain my medical records. This is unauthorized accessing of PHI. I demand this account is deleted immediately from my credit report.
Complaint sub-issue: Information belongs to someone else

I have aye ongoing on problem with XXXX and Equifax, Also XXXX XXXX for not moving faster enough and getting the fraudulent accounts off quickly they took forever to process my mail that I sent in certified it took them three weeks to do and it arrived there in two days they have cost me great misery and aggression. Its has also at cost a financial burden.
Complaint sub-issue: Can't close your account

In XX/XX/XXXX I closed Discover credit card ending in XXXX because they approved a payment to a company that used an old discover card number that I did no longer wished to do business with. 
I had told Discover to close that old credit card and make sure no one gets paid form that old credit card number. 
I trusted Discover, but they ignored my request, and went ahead and paid the vendor who I did not wish to continue having involvement with. 
It is because of that, that I refuse to do business with discover. 

In XX/XX/XXXX, Discover had an overpayment of {$260.00} from me. I asked them to refund me, and whatever payments they ahd that were outstanding, that the vendors and I will have to sort that out. Today, at XXXX : XXXX XXXX XX/XX/XXXX, I called DIscover asking why they had not refunded me {$260.00} that was overpaid. They said that since I " CLOSED '' the account, they honored a {$25.00} dispute I had with XXXX XXXX 's because they " DETERMINED THE CHARGE WAS OK> Please have discoer shoW me the signed payment, for if it is not signed, I refuse to honor it, AND THEY must refund me. 

If one changes the credit card number so that vendors do not continue accessing one 's credit card, it is my decision if I want to pay such a vendor or not. If I wish to pay the vendor, I will give them my new credit card number to continue the relationship. I deliberately " lost '' the credit card in order to assure that the vendor will not pay a vendor one does not wish to. It is not Discover 's authority to use my . This is why they must be denounced for illegal business practices. 

They said that they also honored a {$95.00} payment for XXXX. That is also wrong because I have a new arrangement with XXXX, so why did they pay when I told them to close my account? 
SO, I denounce discover for theft, and they owe me {$260.00}. 
Until I get that $ refunded, I keep my claim of theft against Discover for stealing my funds.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Please remove the following fraudulent inquiries from my Equifax credit report : XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX-Branch XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Branch XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Attempted to collect wrong amount

Im stating once again this company is an under violation of regulation out of the fair debt collection practices act. I have never been notified about this debt. They can claim they sent all the emails they want to claim they sent. That is not a sufficient initial contact to give somebody the right to dispute the debt either they remove this or I will sue them and Im going to win
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has failed to properly investigate Bankruptcy claims being reported on my credit report. This company reported XXXX to be the data provider. Documentations from The Court in question and the data provider XXXX we sent to this company. They ignore all correspondence. XXXX has submitted a dispute on my behalf.
Complaint sub-issue: Information belongs to someone else

I have been going back and forth with Exquifax and XXXX  for almost 4 years. 
My credit report had several items on it that do not belong to me. Tons of inquiries that I have no knowledge of. My identity was stolen years ago. I forwarded all of my info over to the bureaus with a police report and all. Also I was a victim of identity theft by someone proclaiming to hire me on a job last year. ALL OF MY PERSONAL INFO WAS STOLEN. I have a police report to show that I reported it. I passed on to each a Bureau but nothing has been done. 
The only thing that they do is have lenders call to verify my identity when I need to pull my credit
Complaint sub-issue: Company closed your account

To whom it may concern, On XX/XX/XXXX i received letters from multiple credit cards companies stating that they are closing my account without any explanation some of the accounts were more then 30 years old. The accounts which were closed are as follow. 
1, Sears ( Citibank ) 2, Costco ( Citibank ) 3, Home Depot ( Citibank ) 4, AT & T ( Citibank ) 5, Best Buy ( Citibank ) On XX/XX/XXXX I wrote back to the companies requesting the reasoning of this decision! 
Even though the credit cards were belonging to different companies the one thing in common is the bank which is ( Citi Bank ) for all the above cards. 

On XX/XX/XXXX I received a reply back from the bank stating " During a recent review of your account, we discovered information suggesting that you pleaded guilty to conspiracy to distribute prescription pain medication to patients without examination or medical need. As a result, the above- referenced account was closed on XX/XX/XXXX. 
We appreciate the opportunity to respond to your inquiry. 
Sincerely, Card Services '' I am XXXX year old XXXX XXXX XXXX XXXX  with NO knowledge of medicines/ prescriptions neither have i been writing or giving out prescribed medicines nor have i ever been convicted or plead guilty of any such crime. I believe banks have got my information mixed up with someone else. 

I seek help from your department to get this issue resolved for me. 

Thank You Best Regards, XXXX XXXX XXXX
Complaint sub-issue: Attempted to collect wrong amount

I do not remember the exact dates it has been years, I originally did have an account with XXXX, but they forced me to keep me account open against my request and the bill continued to go higher even though it should have never been allowed to go beyond 1 single period. So everything is inflated and incorrect! I am being bullied.
Complaint sub-issue: Problem during payment process

When I received the card, I used it and tried to make a payment on the website. The payments did not go through because there is a defect on the website that causes the account number to change when the ACH tries to go through, so the institution that the funds are requested from denies the request. 
I saw that there was an issue and called US Bank. After being on hold for over hour I was treated to a snotty support person who tried to convince me that I was doing something wrong. While on the call we WATCHED the account number change from what I had chosen from the drop down to another number. 
Finally, it looked like we got it to go through. That payment later failed with the same incorrect account number I continued to try to make payments, you can see it in my history. I called again and after being on hold to for over an hour I talked to web support. They told me that yes, there is a defect in the web site that is changing the account number. I was transferred to another agent who confirmed the defect. I asked if I could make a phone payment. This Customer Service Representative ( CSR ) said yes, but I would have to pay {$30.00} to do it. She said that was nuts, and she tried to do a warm hand off to another department where they could reverse the charge, but she did not take the payment from me because she thought it best if the other department took my payment, so they could make sure I wasnt charged. We sat on hold for another hour, then she suggested that I make the call myself, and she gave me the number, saying that it was a 24-hour number. NOPE, not 24 hours. 
I tried again to call the next day. I was on hold for 2 HOURS. Finally got through, to be put back on hold for an additional hour. I was told that it was fixed, and the payment went though my credit union, but did not post in a timely fashion. I was told that the reason for this was that I was late, so they had to wait for it to clear. I could see that the funds had left my Credit Union, and the CSR could see that the funds were indeed at US Bank. I was told that I could send a screen shot of my Credit Union account to an email address, which I did. I was told that to contest any entries to the bureaus I would have to send a letter in writing. The late fee was reversed ; however, I was still charged interest on an amount that should have been less if the website worked properly. 
Please consider this a formal request to have anything negative entered on my bureau reports removed immediately. I will pay off the card and be done with US Bank and any affiliates forever. 
XXXX XXXX
Complaint sub-issue: Sent card you never applied for

On XXXX XXXX 2020 I received a credit card from US Bank ReliaCard through the mail. However, I never applied for this credit card. I called the US Bank ReliaCard XXXX number ( on back of the card ), asking why they sent me the credit card, explaining I never applied, the woman said there have been a lot of problems, the credit card was apparently sent from Ohio unemployment, but they could not answer how, why, or where my information was used to apply for this credit card They only number they gave me to call. XXXX
Complaint sub-issue: Information belongs to someone else

This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These account 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 account are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX Date Opened XX/XX/2014 Balance {$3400.00}. 

Again, the account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hello there are several unauthorized credit inquiries on my account that I have yet to have verified to be authorized by myself. Many of which are not attached to accounts. 

I am not sure if this was due to data merges as a result of the data breaches or something else. In applying for an auto loan, I only wanted one bank to be reached not several. Also with any bank 's the same applies. Everything else is there with no confirmation of it being mine which Is a problem for me. Please ask bureaus why they consistently seem to break the law when I have yet to see even a contract.

Per New Credit Act of 2020 section 401 derogatory items need to have agreements or contracts authorized by myself which none of these have. The bureaus refuse to comply with the law. 

Thank You
Complaint sub-issue: Was not notified of investigation status or results

ON XX/XX/2021 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 AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX XXXX BREACH AND XXXX HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Complaint sub-issue: Information belongs to someone else

I have reached out multiple of times informing this company that i have not taken a loan out at anytime and also requested they send verification and method of verification and i have yet to receive any information with my signature confirming the consent
Complaint sub-issue: Didn't receive notice of right to dispute

I received an update from my credit report that alerted me a new debt was now on my credit report. The debt says it is from Pmab , LLC from a XXXX XXXX XXXX XXXX for {$280.00}. I never received anything from XXXX XXXX XXXX XXXX   disclosing any information about a debt, I also never received anything from Pmab LLC disclosing any information concerning a debt associated with XXXX XXXX. I tried to call Pmab LLC on XX/XX/XXXX, I let them know this was not a debt I owed, they kept telling me who it was from and I stated I haven't been to a XXXX XXXX XXXX XXXX. That got me no where! I've attempted to have this information sent to me via email or mail with no results. Even IF I had ever went to an emergency room or Dr visit, my insurance has a copay, I pay the copay that is on my insurance card and nothing more ( unless it's a prescription ), this {$280.00} doesn't add up to any copay or visits. They say it is from XX/XX/XXXX, why have I never received anything until it alerted on my credit with false information?! It sounds to me as if they're trying to just get money which is not owed to them.
Complaint sub-issue: Problem with personal statement of dispute

Please investigate XXXX XXXX and XXXX XXXX XXXX on my credit profile, I'm only getting automated updates. I will like a thorough investigation on XXXX XXXX and the colletion agency XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

On XXXX XXXX I notified Equifax of an invalid account on my credit file. The account is identified as XXXX XXXX. Under federal laws and FCRA guidelines section 609, I requested Equifax to investigate the account for validation and accuracy. Equifax exceeded the 30 investigation period therefore Equifax is in violation of FCRA section 609.
Complaint sub-issue: Didn't receive notice of right to dispute

I have received 4 emails from the collection company called trueaccord. This company has not sent me out an initial letter alerting me to my rights to dispute or validate the debt. It seems with them sending emails, theyre skipping over my rights to request theyre even authorized to collect on this alleged debt. I responded to their email after I got the 3rd one on XX/XX/19 requesting they first send out the initial letter so I can request validation. No where in the email does it state I have the right to request validation. Tonight I received another email stating I owe money and they will work out a payment plan. Once again Im not even sure what alleged debt this is and once again they have not given me notice of my rights to request validation. This is incredibly unprofessional and borderline against the law.
Complaint sub-issue: Their investigation did not fix an error on your report

I requested that XXXX  prove to me how they " verified '' that the account with XXXX is my account. They reported back that it is verified but does not give the METHOD OF VERIFICATION. According to FCRA 611 ( a ) ( 2 ) ( B ), they were required to forward all of the relevant information to the creditor for their investigation of my dispute. This does not happen. Credit bureaus have been taking advantage of consumers during Covid. They are not posting good accounts on time but bad accounts are verified IMMEDIATELY. I am prepared to sue the credit bureau at this point. Employees are rude, disrespectful and give false information while on the phone.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX Account # 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 This creditor has been in direct violation of my rights by reporting inaccurate information on my credit report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I submitted an application to rent an apartment with XXXX XXXX XXXX in XXXX, MA in XX/XX/XXXX. I was told that there would not be any hard credit inquiry on my file. However I noticed a hard credit enquiry which affected my score on XX/XX/XXXX. When I contacted the leasing office they said the inquiry would go away. 

The inquiry is still present in my Credit report as of today ( XX/XX/XXXX ) and when I contacted the apartment leasing office to get the inquiry deleted, they provided me the details to contact CoreLogic, the agency that does credit checks for XXXX XXXX apartments. I contacted CoreLogic and they say that they have only processed the request from XXXX and they are not responsible for the hard inquiry. They could assist me in deleting the inquiry if XXXX request them by sending a letter of deletion. 

Again when I contacted XXXX, the officers in XXXX deny any responsibility for the credit inquiry and also said they would not be able to make any such requests to delete the inquiry. I have provided my SSN details in the application to XXXX and not CoreLogic, and my Credit report is being accessed in a way that I did not consent to. 

I request the concerned authorities to look into this grievance and please do the needful as presence of that hard inquiry on my report is affecting my credit history and score, and has a potential to affect my interest rates as I'm planning to apply for a home loan. 

I have attached the e-mail communication below as a file. 

XXXX Address : XXXX XXXX XXXX, XXXX, MA XXXX Phone # : ( XXXX ) XXXX E-mail : XXXX XXXX