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

XXXX XXXX XXXX XXXX XX/XX/XXXX Collection account. {$1100.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX {$9900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX < -- -- ALL accounts above NOT MINE ^^^ -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX < -- -- ALL ADDRESSES DO NOT BELONG TO ME. Remove all above FCRA violation, how is this verified? Inaccuracies placed on my report. Have not given written communication or oral communication on when, how and why these accounts are reported negative on report. Remove all above FCRA violation, how is this verified?
Complaint sub-issue: Confusing or misleading advertising

I had applied for the student loan with a financial advisor through the school. However I took the loan out because I was told that the program I was signing up for was a certification program. I specifically said I need an XXXX certification I was told Id get certified. I also was very clear that I wanted to become a XXXX XXXX So I did the process for the loan and started school. Close to 2 months before externship I started asking questions about our final exam and if that was how we would receive our certification I was told no you get a diploma of completion. I raised on concerned with the staff but was told sorry you were misinformed and it was misleading information. Then it came close to externship and I expressed again I wanted to go to a site that offers medical coding. I was told they dont offer sites for that and cant send me to one. I said how coming the program is medical billing and coding and I cant go experience for coding they said I have to be certified I said how can I be certified if you dont certify anyone they said they only offer medical billing sites. 
I wouldnt have taken this big loan out had I known that I couldnt get a certification in medical coding I wouldnt have taken this loan out had I known they dont off sites for medical coding. The whole process was rushed and I feel as I was mislead and given false information just so they can show numbers or meet a quota to get me into the program quickly.
Complaint sub-issue: Old information reappears or never goes away

I have over 21 closed account that should have been removed.
Complaint sub-issue: Problem with fees

In XX/XX/XXXX, when I was invited, applied and was approved for an Ollo Rewards card, I was told in print that there would NEVER be an annual fee. Multiple times in print, advertising and card details. Now, I get a statement in XX/XX/XXXX stating they want to charge me a {$39.00} annual fee. I never prior to the billing statement had received any print or oral communications of a possible annual fee being charged now on my Ollo Rewards card. I ask for a correction in this error and breaking of the terms agreed upon XX/XX/XXXX.
Complaint sub-issue: Was not notified of investigation status or results

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated.

These are the items I demanding to be deleted immediately :
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus to correct or delete this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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
Complaint sub-issue: Investigation took more than 30 days

When I searched for my name on the Internet, I discovered that some of my personal information was being used without my permission, so I filed a complaint. My information was acquired by an aggregator website, which instructed me to first check the website 's FAQ section and then contact approximately nine separate websites to have it removed. I felt humiliated by the fact that I had to request the removal of my belongings. I discovered unauthorized, fraudulent accounts on my credit report ; I would like these accounts removed and rectified. Remove all unfavorable and fraudulent accounts from my credit report. This has made it more difficult for me to obtain credit. I am taking every measure possible to regain my life. Please assist me in removing all fake accounts. Please let me know if there is anything else I can do to have these accounts removed from my report.
Complaint sub-issue: Trouble closing card

Previous complaint was filed : XX/XX/XXXX, ID XXXX ORIGINAL COMPLAINT : Reliacard, US Bank Corp XXXX {$13000.00} balance. Account was closed effective XX/XX/XXXX. Reason given in letter XX/XX/XXXX : I did not respond to letter ( I did NOT receive ) saying I had to use their web site photo verification ID process ( I did later, but was evidently late ). Numerous calls have been made to bank customer service and Oregon Unemployment, issuer. Customer service says Oregon must request the funds but gives no more specifics : how, to whom, what format. Their representative states, THERE IS NO TIME TABLE FOR RETURN OF FUNDS. And, Oregon says they can not request my funds ( accordingly, they have no mechanism to do so ). I.e, each passes the $ buck $ to the other, rinse-repeat. I have not made a withdrawal since XX/XX/XXXX, primarily because ReliaCard has a complicated scheme to limit amounts, number of withdrawals per time period, time of day withdrawal postings, specific geographic locations of ATMs, branches available for my account. I would prefer termination all dealing with Reliacard, return of funds either as a check, or better yet, wire to XXXX or XXXX account. 

See US Bank Corp response, including ID verification directions. Attached. 
A photo of my current passport and a selfie was submitted XX/XX/XXXX, per option # 2, e mail, " Complaints .... '' twice. The bank has NOT responded with my funds or Re : adequacy photos. 

Since, I have inquired if the ID photos were acceptable : no response. I DID receive a letter from US Bank saying my " change of address '' had been noted : my address was NOT changed, just more precise destination added to same as on file at least since XXXX. 

In Bank Corp. response " XXXX '' did say at some indefinite time my {$13000.00} would be returned to OHIO? My account originated in Oregon. I just want a check for the above, close the card/account.
Complaint sub-issue: Attempted to collect wrong amount

PROCOLLECT , INC  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  (  XXXX  )  XXXX  IN REGARDS TO ACCOUNT  XXXX  THE FOLLOWING AGENCY IS NOT BONDED IN THE STATE OF TEXAS AND CAN NOT LEGALLY COLLECT SAID DEBT. BY TEXAS  SURETY BOND L AW ALL ADDRESSES AND BUSINESS NAMES MUST BE CORRECT.   PROCOLLECT , INC, ADDRESS THAT IS PROVIDED ON CREDIT REPORT DOES N'T EVEN MATCH TO AN ACTIVE BOND IN THE STATE OF TEXAS.   PLEASE REMOVE FROM ALL  XXXX  CREDIT BUREAU AND CONFIRM THAT DEBT IS NOT OWED.
Complaint sub-issue: Their investigation did not fix an error on your report

I previously notified you that I am a victim of identity theft, and Equifax responded that they verified that fraudulent items belong to me. How is this possible? I would like to know how a fraudulent account can be verified, and when and how was it verified?
Complaint sub-issue: Information belongs to someone else

I recently conducted a review of my credit report, and I noticed that your agency showed two ( 2 )  credit inquiries that I find to be problematic. 
The first inquiry in question was apparently made by you on XX/XX/XXXX and I have no recollection of doing any business with XXXX XXXX. 
I contacted XXXX XXXX, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 
The second inquiry was made by XXXX XXXX on XX/XX/XXXX and should not be showing on my report either. 
Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 
Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter
Complaint sub-issue: Frequent or repeated calls

ERC - Enhanced Recovery Company continuously harasses me via phone. I've asked that my number be removed from the list and the next day the calls came in more. I get about 10 to 15 calls a day from them. The most recent call was today XX/XX/2020 at XXXX.
Complaint sub-issue: Account status incorrect

The account XXXX XXXX XXXX XXXX was never past due, i never made a late payment to this company ever please change this, i have a good relationship with this company.. I sent a letter to the credit bureaus but they refused to reverse the late payment nor did they give me a reason why they wont do it..Not only that, they never gave me any proof of investigation that they have verified the account as accurate..CFPB please hear me out and correct the late payments
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/XXXX, I XXXX XXXX initiated a written dispute with Equifax and asked for their Method Of Validation regarding a fraudulent inquiry from XXXX XXXX XXXX XXXX that was reporting to my Equifax credit report. I've also initiated this same dispute with the Consumer Financial Protection Bureau whose job it is to protect the american consumers against deceptive and abusive acts from credit bureaus and creditors. I've sent proof of these deceptive acts by Equifax to Equifax and to the Consumer Financial Protection Bureau. 
The deceptive acts in question were the re-aging of my U.S. Postal return receipt of my package that was delivered on XX/XX/XXXX. Equifax re-aged the receipt of my dispute to XX/XX/XXXX. 
The tracking numbers on the signed green return receipt match the original sale receipt that was given to me by the U.S. Post Office on XX/XX/XXXX. The second deceptive act and violation of the Fair Debt Collections Practices Act is Equifax did not provide me in writing 15 days after receiving my dispute as to how they verified that the disputed item was indeed accurate. 
As of Today XX/XX/XXXX I just received the response from equifax stating my dispute once again was valid and accurate without providing me their Method Of Validation from 15 days of them receiving my dispute. Since the Consumer Financial Protection Bureau will not do their job protecting the consumer from Equifax and their deceptive acts, I have no choice but to escalate this into a court of law seeking damages such as Defamation, Negligent Enablement of Identity Fraud, Violation of The Fair Debt Collections Practices Act and Violations of The Fair Credit Reporting Act. 
The Consumer Financial Protection Bureau needs to do its job and ask Equifax to provide the Consumer Financial Protection Bureau with the Method of Validation Letter they were supposed to send me 15 days after my dispute was delivered. Under FCRA Section 611 ( a ) ( 6 ) and ( 7 ) I should of received the Method Of Validation I requested under the Fair Credit Reporting Act.

Look at all my receipts which are all accurate, then take a close look at how Equifax has re-aged the stamp of my delivery receipt from XX/XX/XXXX to XX/XX/XXXX.
Complaint sub-issue: Company closed your account

Hi There ; I am XXXX resident for USA, XXXX XXXX, Living in XXXX XXXX and own my XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX with document number XXXX and XXXX Number XXXX with its registered address through our registered agent as XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX DE XXXX. We are paying regularly the yearly fees for XXXX membership as well as registered agent XXXX XXXX. 

In XXXX we had opened our business account in Transfer Wise, now its Wise and account number allocated to us as Account holder : XXXX XXXX XXXX XXXX. 
Routing number : XXXX Account number : XXXX Account type : Checking Address : Transfer Wise XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX United States We had published this account to our XXXXwebsite payments and were receiving payments smoothly. Also we were sending payments/ costs to our vendors from same account. 

This month while receiving a reoccuring payment from our client in XXXX XXXX XXXX XXXX for amount of XXXX USD, Wise terminated our account without prior notice, took online access from us, so we could not get our money from the account balance. We submitted appeal in their online system, they accepted our appeal and we got back the login information, but account held blocked temporarily. We initiated our balance to move out to our other bank account but these transfers were kept on hold, saying we are checking details. 

Now account is permanently closed with no access to account. Money which was in balance is not received and we lost our clients with this tricky behaviour of our bank.
Complaint sub-issue: Problem with statement of dispute

XXXX 2015, XXXX XXXX, XXXX XXXX in error pulled my credit 7 times to purchase a car for my XXXX adult daughter. Ask them to only pull twice, because I could use XXXX XXXX XXXX & I was going to purchase a property 6 months. The New General Manager, XXXX XXXX at area code XXXX XXXX XXXX XXXX XXXX provided a letter explaining the error a month ago after a year and a half of trying to have some of them removed, however Equifax has refused to remove any of the inquires. Doing the hard pulls, Equifax dropped by credit score by XXXX points.
Complaint sub-issue: Information belongs to someone else

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. i submitted the documents on XX/XX/21.
Complaint sub-issue: Account status incorrect

US Bank is reporting an erroneous late on my credit file and it must be removed. I recently checked my credit and noticed this late was reporting on my credit file. I have had an account with US bank for a very long time now and have never received a late on my account before. I have been a very loyal customer and have yet to be tardy. I did notice a late reporting for the month of XXXX in 2020 and I was simply never late. I made the payment and not only that, I never received any calls or notices if my account was ever past due. Please remove the late from my credit file.
Complaint sub-issue: Was not notified of investigation status or results

In XXXX and XXXX of 2020, I filed a dispute with this credit bureau about the unverified account : XXXX XXXX.Account number XXXX and Account number XXXX In those2 months I have not received the requested information for verification of these account. I have asked numerous times for a valid response. I have not received anything in response from this bureau in over 30 days as well. 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 these unverified accounts as of today. Thank you
Complaint sub-issue: Information belongs to someone else

I would like to let you know that I found wrong and incorrect information in my credit report. These accounts that I mentioned in my complain report are not mine. Its pure identity theft, I think someone just used my personal information or I just became a victim of identity theft. I do not recognize these accounts absolutely. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting act XXXX  Account # 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, 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 instruction
Complaint sub-issue: Information belongs to someone else

I have contacted a XXXX credit bureaus and most recently XXXX to get my credit unfrozen and unlocked due to someone else accessing my account and chancing my information. And it keeps locking me out and most recently on XX/XX/XXXX there were memos placed on my credit report with information that isn't mine an a phone number I have never had. I moved to XXXX XXXX and recently had my wallet stolen and it has been a completely aggravating time trying to get my credit reports and credit back to where only I have access to it, even acquiring XXXX to help monitor my credit and my information from getting on the dark web and being used. I have had the most difficult time in an already stressful and difficult situation. I just want my credit reports to have the correct information and only MY INFORMATION and for the credit bureaus to do there job for me, a consumer.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have send Equifax several letters disputing inquiries that I did not authorize. For the following companies : 1. XXXX-XX/XX/XXXX 2. XXXX XXXXXX/XX/XXXX 3. XXXX XXXX-XX/XX/XXXX 4. XXXX XXXX XXXX-XX/XX/XXXX 5. XXXX XXXX XXXX-XX/XX/XXXX. 
The last letter send certified with tracking number XXXX in which was received XXXX XXXX by Equifax and they have ignored my letter. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and serious breach of my privacy rights. Equifax has failed to validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature authorizing an inquiry in the absence of any such documentation bearing my signature I requested the fraudulent inquiries be immediately deleted from the credit file that is maintained under my social security number.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act the following accounts have violated my rights XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX US SM BUS ADMIN XXXX XXXX XXXX 15U.S.C 1681 Section 602 A States that I have the right to privacy.

15U>S>C 1681 Section 604 A Section 2 States that a consumer reporting agency can not furnish an account without my written instructions
Complaint sub-issue: Their investigation did not fix an error on your report

I am filing a complaint against the 3 credit bureaus XXXX, Equifax, and XXXX. After reviewing my credit report, I noticed some discrepancies regarding the accuracy of the information on reporting accounts. I sent a dispute letter requesting the verification of these accounts and asked to be provided with the original signed contracts with the correct information which all 3 bureaus should have received before posting these accounts to my credit. I sent the initial letter on XX/XX/2017, and 2 more letters thereafter and the issue still has not been resolved, nor have I received the verification documentation I requested more than 90 days ago. I have records of all the letters I sent to these agencies, every response letter, and credit reports for the past 90 days. After they received the first letter, XXXX and XXXX removed one of the disputed accounts in reference but have since reapplied the account to my credit report without providing me with the verification documents I previously requested. This issue is causing me many problems. So, I am taking the next steps in order to get this issue taken care of and get these accounts verified. It is not ethical what these credit bureaus are doing. They should not be able to post inaccurate accounts on anyone 's credit report damaging the quality of their life. I am ready to seek legal action! Please let me know if I need to file an individual complaint for each credit bureau.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

See letters sent, please update my personal info and remove all unauthorized inquiries
Complaint sub-issue: Company closed your account

My husband of 45 years died on XX/XX/XXXX. On XX/XX/XXXX I began notifying various entities of his death. When I notified Citicard MasterCard, they closed my account, saying he was the primary cardholder. When I asked how that happened, they said he must have opened the account first and added me later. I am sure that is not true. They also told me it is a state law that they had to close the account. We had this account since 1988 and the payments came from my income. I am shocked that they took the occasion of my beloved husbands death to close my account. We never made a late payment or even paid interest since the account was opened in 1988.
Complaint sub-issue: Their investigation did not fix an error on your report

Hello, I have been trying every month for the last year to get inaccurate information removed from my credit report. I started in XX/XX/2019 and have tried every month since then, I keep receiving correspondences back that state verified. I have contacted the Bankruptcy court that states that they do not report to credit agencies, and I have also contact XXXX XXXX and they have not been able to provide me with a method of verification. How is the bureau verifying this info, if I the consumer am unable to verify the information.
Complaint sub-issue: Other problem getting your report or credit score

SO this is ridiculous, because after filing over 15 complaints with XXXX XXXX, Equifax and XXXX, my credit was at XXXX score but when their faulty lack of due diligence caused the fraudulent inquiries and accounts to happen, the score dropped over 4 points and even more on my credit. Then I file complaints, wait over 4 months for the credit bureaus to get their act together, and remove the fraud inquiries and then my score only goes up ONE ( 1 ) XXXX point. That is totally unfair for each bureau to falsely report fraud in the first place and then have jurisdiction over scores and refuse to bring them back to where they were. That is incredibly damaging to my credit still and causing me to lose my chance to own a home. After these numerous complaints being taken so lightly, I am going to the news with this because the credit bureaus are causing too much negative impacts on people and have ruined my hard work.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed a 30 day late on XX/XX/2016 and XX/XX/2016. i disputed this error with XXXX, XXXX , XXXX and XXXX. these companies have not corrected the error.