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

I was disputing inaccurate items that was placed on my credit file. I have reached out to the credit bureaus numerous of times to have the items removed or corrected. I also had reached out to the creditors to have that account removed. I was told over the phone to reach out to the credit bureaus and ask them to remove the items. The credit bureaus violated my rights because they failed to respond to my disputes. I have sent dozens of letters and I haven't received anything in the mail from the credit bureaus showing that they even open up an investigation. I have checked my credit with different credit monitoring to see if they have started but there wasn't any comments showing that the items was in disputes. I had mailed letters off certified and the tracking shows that they have received the mail. My credit score is continuing to go down because the credit bureaus refuse to maintain the laws of the fair credit reporting act and remove those items off my credit file. This is causing much hardship and pain and suffering. I have had multiple XXXX XXXX  because I can not get a car nor a good job to support my family because of the multiple inaccurate items that's on my credit file.
Complaint sub-issue: Didn't receive enough information to verify debt

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that PROCOLLECT would verify the debt. So I took it upon myself to ask PROCOLLECT for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Complaint sub-issue: Personal information incorrect

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Problem with additional products or services purchased with the loan

I purchased a car through Carvana and it has been an absolute nightmare and I wish I could return the car. I have provided a Limited Power of Attorney THREE TIMES. Carvana has lost the paperwork THREE TIMES. I did the first Limited Power of Attorney online through an app that they provided so that I could then get my car registration. They said it was done wrong, which was NOT MY FAULT. It was the notary THEY HIRED. Then they sent me the paperwork via XXXX and I had to have it notarized again, which caused me to have to leave work early. I got it notarized and took it to XXXX. It was received and someone signed for it. Carvana LOST THE PAPERWORK and now they expect me to get it notarized AGAIN. Meanwhile, I am unable to park in my apartment complex because I need the permanent registration to get a parking sticker. I am frustrated and want this fixed NOW. The people at Carvana are inept and they should not be in business. I want this fixed IMMEDIATELY.
Complaint sub-issue: Changes in terms mid-deal or after closing

I purchased a new XXXX XXXX XXXX ( VIN # XXXX ) from XXXX  of XXXX through their corporate website I uploaded all my documents, ( I was pre approved for a loan of XXXX from XXXX XXXX XXXX  XXXX  ) the purchase price of the vehicle was approximately XXXX total with my loan amount the balance was XXXX. I was scheduled to pick up the car on XX/XX/2020 at XXXX  XXXX, I received a call from a representative at the XXXX location that the vehicle would be available to pick up on Saturday XX/XX/2020 at XXXX  XXXX. I arrived to pick up the vehicle a half an hour late, I signed all the legal paperwork including the pink slip and was allowed to leave the lot. I took my childhood friends mother XXXX XXXX with me. After everything was signed I took my friends mother and her daughter to eat as a celebration of the new vehicle and also my deceased mothers birthday which was the following day. When I awoke the following morning I checked my e-mail and there was an message from XXXX XXXX Financial Director stating that he did not think that XXXX XXXX financed XXXX  and that I should apply for some other financing. I wasnt sure if he was a scam artist or an official representative for XXXX. I promptly returned the vehicle to XXXX XXXX  as not to incur any further devaluation. I was very depressed for the rest of Sunday, I decided to wait and find out what was actually going on until Monday morning when the dealership opened. I contacted XXXX XXXX through XXXX to voice my grievances and seek some kind of help. When I was able to get in contact with the representatives at XXXX XXXX  I was repeatedly told that XXXX XXXX does not finance XXXX  vehicles. I contacted XXXX XXXX and they informed me that they do finance Tesla vehicles and provided me with a reference number XXXX. The representative also stated that they had yet to receive anything from XXXX  of XXXX. I asked to be provided documentation with a company letterhead that clearly stated that they do finance Tesla vehicles, I was transferred and that representative did not have any authority to produce the documentation. I reached out to XXXX  of XXXX representatives and was repeatedly routed to voicemail, I decided to choose to call another department and see if they could route me to the delivery team and the person set the phone down and said I had the wrong number. I was eventually able to get in contact with a woman from financing when I tried to give her the reference number she declined and told me that Tesla does not partner with XXXX XXXX.
Complaint sub-issue: Account information incorrect

Contract Equifax about a charge off account that they are still showing a balance and past due amount. Try to explain to them you cant have a balance or past due amount on a charge off account. Its showing like this every month XXXX they drop my credit score by XXXX points just for disputing the account. I ask how verify and closed investigation after 2 days saying creditors verify information and will not remove account information.
Complaint sub-issue: Their investigation did not fix an error on your report

Lexis Nexis is reporting a Bankruptcy on my credit report. The information is reporting inaccurately. The credit report agencies claim that they have verified this information from Lexis Nexis. According to the court house, they do Not verify this information to the credit reporting agencies or third parties such as Lexis Nexis.
Complaint sub-issue: Didn't receive notice of right to dispute

Stafford Group and Associates is trying to turn an old debt into new debt that has already been filed in Ch XXXX case # XXXX
Complaint sub-issue: Debt was paid

I have submitted complaint ( s ) against this company and provided plenty of notices/Affidavits with lots of evidence but they still claim that I owe this alleged debt. They have also not provided me with the remedy I am entitled to and they may or may not have ignored my Cease and Desist that I've recently sent to them.

Attached is my UCC Filing Search Results Report from the Commonwealth of Pennsylvania Department of State which shows there are no commercial Liens filed against my name. This company has been collecting debt without properly obtaining judgement or proof of verification of judgement, and have not submitted a public filing via UCC-1 with the Secretary of State. 
This is my last warning before I proceed to bringing legal action against them.
Complaint sub-issue: Information belongs to someone else

I have sent several letters regarding my accounts with Equuifax. They are nor reporting correctly and they refuse to remove these account. These accounts are fraud and they are not removing these and using stall tactics. I refuse to keep being a victim
Complaint sub-issue: Investigation took more than 30 days

I disputed negative and erroneous items on my credit report, and i haven't heard a response back yet, and its been pass the 30 day deadline. I sent off letters via certified mail on XX/XX/2020 they received said mail XX/XX/2020. EQUIFAX and XXXX
Complaint sub-issue: Personal information incorrect

This is a second dispute concerning issues of addresses that are not mines. I have had my personal ID and SS # compromised. The listed address were used for fraudulent activities and I do not wish to have my name associated with the following addresses:XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX. I do not live at these addresses my personal information has been sent to these address because they are on file in your database and it is not correct. It maybe some relative or family member.
Complaint sub-issue: Public record

I have a bankruptcy listed on my files. There was no bankruptcy ever filed it was dismissed. Both my lawyer and I have notified in writing submitting proof of the dismissal to all the creditReport bureaus ... yet they continue to report I have a bankruptcy. This is simply not trueMy case number for the dismissal is XXXX filed XXXX/XXXX/2015. It is signed by judge XXXX XXXX XXXX in XXXX, Va. Please help removing this as my credit is destroyed because of this erroneous report.
Complaint sub-issue: Account status incorrect

On XX/XX/2021 I wrote a letter to key bank asking to remove my account from XXXX XXXX, however they failed to respond and have not removed the account. The account was in a chapter XXXX bankruptcy over a year ago.
Complaint sub-issue: Reporting company used your report improperly

According to the Fair Credit Reporting Act, Section 611 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Attempted to collect wrong amount

I ordered XXXX over the phone in 2016 over the phone we had agreement on a price for services but then when I receive my bill it was totally different they repeatedly wanted me to agree to new terms and agreements that we 're not in my favor I thought I was being taken advantage of over the phone they would keep trying to renegotiate a plan that was unfair I felt like they were stealing from me I cancel the service and they threatened to charge me {$340.00} disconnection fee if I did not stay with them they tried to bully me to keep their service but I disconnected it. They said part of the disconnection fee was for the equipment the XXXX XXXX on top of my house which they never came back to get also I asked him to give me the document or the recorded message stating that I agreed to a {$340.00} disconnection fee they could not show proof
Complaint sub-issue: Was not notified of investigation status or results

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 and inquiry deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

2. Validate Account XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

5. Validate Account XXXX Account Number : XXXX Please remove it from my credit report.
Complaint sub-issue: Investigation took more than 30 days

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Complaint sub-issue: Their investigation did not fix an error on your report

I have reached out to see if they could correct an error on my credit report. the staus on th report reads " Payment after charge off/collection Settled - less than full balance " it should read " Paid As Agreed '' Account XXXX Account XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX 
Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 
Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act 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
Complaint sub-issue: Information is not mine

I have inquiries on my credit that do not belong to me and I have disputed these multiple times with the credit bureaus ( Equifax , XXXX, XXXX ). I submitted a police report, FTC report and letter XXXX times and they refuse to remove these in violation of section 605B. Under this section, all disputed account must be blocked within 4 business days and require a full investigation. I have never disputed these inquiries before ; therefore, they can not be considered frivolous. This is my last resort before I send an intent to sue. I am a victim of identity theft and these inquiries are the result of someone else using my information. 

The inquiries listed below must be removed no later than 4 business days : XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX
Complaint sub-issue: Reporting company used your report improperly

CFPB Write up n 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 furnish a account without my written instructions
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I was to CO-Sign for my son on an auto loan at XXXX XXXX in XXXX Tennessee. I live in another county and spoke to the salesman who i did give consent to do a credit check, but now have 7 HARD inquiries on my credit. This was not explained to me that they would use my ss in this manner and then when I got to the place to check on paperwork I declined to sign for the existing loan at 20 % and they had it in my name as primary. We went to XXXX and got a loan at 4 % and Co-signed for my son. This practice of making multiple hard inquiries even at credit unions where we did not have accounts is damaging to my credit report and an unfair practice. All of the inquiries were from XX/XX/2018. Please let me know what can be done to fix this. I am making this edit at the very end as there are 4 more companies involved that the computer system did not allow me to enter. Those are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX AND XXXX XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

Fed Loan Servicing no longer services my loan. Fed loan was included in chapter XXXX bankruptcy. I have a new loan servicer for my loans. Fed Loan is still reporting on my credit report XXXX as negative information. This has effecting me from getting any type of credit. The balances on the account are XXXX dollars and there still reporting late.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX, XXXX XXXX PA, XXXX Equifax XXXX XXXX XXXX, XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Credit XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX ATTN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX HavXXXX written and made several calls to get verification on the debts that's has been placed on my credit reports, There are many inconsistencies on my credit report which have lasting effects for my life. Please Remove these items immediately!. 
Incorrect Addresses Incorrect name or surnames Incorrect Phone Numbers Please XXXX XXXX XXXX XXXX # XXXX The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX
Complaint sub-issue: Information belongs to someone else

SOMEONE USED MY SOCIAL SECURITY NUMBER TO APPLY FOR SEVERAL FRAUDULENT ACCOUNTS THAT I DID NOT GIVE PERMISSION TO THEY STOLE MY INFORMATION ANF OPEN FRAUDULENT ACCOUNTS I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX we ordered 200 face masks from XXXX for {$190.00}. 

On XX/XX/XXXX XXXX ( under the name XXXX ) emailed us the shipment was on the way. 

On XX/XX/XXXX we emailed XXXX to cancel the order. On second look we felt the website was bogus and lacked basic track your order here screen input, no chat, no phone number. 

On XX/XX/XXXX XXXX  emailed us the USPS shipping label number. The USPS tracking website showed the Label created, not yet in system. ( attached ) On XX/XX/XXXX we disputed the charge online with Citicard as the shipping label showed created not shipped, the merchandise was not received and XXXX did not respond to our email. 

On XX/XX/XXXX Citicard emailed XXXX responded and that response would be provided to us in 10 business days, XX/XX/XXXX. Citicard did not provide it by this date but on XX/XX/XXXX. 

On XX/XX/XXXX Citicard charged our account for {$190.00}, reversing the temporary credit. 

On XX/XX/XXXX I emailed Citicard and demanded the {$190.00} be reversed. 

On XX/XX/XXXX Citicard provided us a letter dated XX/XX/XXXX with XXXX response via XXXX XXXX Citicard states to dispute this charge Documentation such as a confirmation email that proves you cancelled the transaction with the merchant. We provided such documentation. 



OUR COMPLAINT Citicard relied completely on XXXX XXXX. response and ignored the fact we canceled the order in an appropriate timeframe. Internet vendors, per FTC rules, can not demand customers wait more than 30 days for their merchandise. Citicard relied entirely on a shipping label created by XXXX but never shipped. 

We canceled the order within 3 days, notified Citicard within 11 days of the order and did not hear back from Citicard with definitive information untilXX/XX/XXXX 38 days from the disputed charge filing. 

In our XX/XX/XXXX and 15 emails to Citicard we stated XXXX is not entitled to payment as merchandise has not been delivered, no communication from XXXX whatsoever, there was no longer a XXXX  website and the USPS and XXXX Mail tracking numbers were nothing more than labels created but not in their systems. 

Demand is hereby made Citicard refund our {$190.00}.
Complaint sub-issue: Account information incorrect

This company has been non-complaint in my request ( s ) for verification of an inaccuracy in their credit reporting, regarding an entry being reported under XXXX XXXX XXXX/XXXX XXXX. 

This company violated federal law and also failed to provide me with a copy of any viable evidence, bearing my signature, showing the said account is being reported accurately. 

I have made several goodwill attempts to have them clear up this matter and they have failed to respond beyond an auto response which has left my request unanswered. 

I have requested that the company validate the reported information with XXXX XXXX XXXX/XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested with the company in a letter dated XX/XX/XXXX that this information be immediately deleted from the credit file they maintain under my Social Security number. The listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. 

I have maintained a careful record of my communications with them for the purpose of filing a lawsuit, they have also been reminded that, as in XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( XXXX. XXXX XXXX, XXXX ), they will be liable for their willful non-compliance. 

The company was made aware that they had 30 days to complete the investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I kept careful record of their actions, including their Method of Verification. I also documented with the company at the beginning of the investigation that I did not consent to e-oscar or any means of automated verification. 

This company has violated federal law, by not properly investigating within the required timeframe. I have evidence of such, via certified mail receipts, and they must now remove the item. Any other action ( or in-action ) on their behalf will result in a small claims action against them.
Complaint sub-issue: Card was charged for something you did not purchase with the card

Account # XXXX Best Buy Card issued by Citi Bank XXXX charges beginning XXXX/XXXX/XXXX through XXXX/XXXX/XXXX. I have been charged {$11.00} per month for 6 years. My payment is taken directly out of my checking account, I do n't see my bills. I 've never authorized this protection plan.
Complaint sub-issue: Can't decrease my monthly payments

I was contacted by XXXX phone number XXXX saying I was eligible for the obama student loan forgiveness program. Spent over an hour on the phone and doing electronic signatures. My first payment of XXXX was done through XXXX which made me suspicious.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX has been running a hard credit check when I have NOT applied for credit and they have now done it twice and will not remove the information though I 've been in contact with them through a XXXX since XXXX XXXX and they were suppose to remove this and STOP and send me a letter stating that it has been removed! Not only is that inquiry still there but they did a new XXXX in XXXX XXXX!