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

I have attempted to address this matter in the most amicable manner. I sent the enclosed statement ( included on the bottom of the email ) on XX/XX/XXXX and your company failed to address this matter. 

Today is XX/XX/2021 and you are still clearly avoiding to correct your mistake. 
I sent a dispute letter which was received by your company on XX/XX/2021. Your response was dated XX/XX/2021 which is more than the allowed time frame allowed by the FCRA, therefore I demand that you remove the information from my credit report immediately. If you fail to fulfill my request and if you continue to flagrantly violate the FCRA I will pursue legal action against your company. 


XX/XX/2021 To Whom it May Concern, This letter is a formal notice that GENERAL REVENUE CORP has failed to respond to my dispute letter of ( XX/XX/2021 ). I sent this letter registered mail and have enclosed a copy of the return receipt which was signed by was signed for by XXXX XXXX  at XXXX XXXX on XX/XX/2021 in XXXX XXXX XXXX The item was signed for by XXXX XXXX. ( Tracking # Tracking Number : XXXX ) As you are well aware, federal law requires Creditors to respond within 30 days. It has now been over that period since the receipt of my letter. As you are no doubt aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. Obviously, I am maintaining detailed records of all my correspondence with GERNERAL REVENUE CORP I have included a copy of my original request, the dated receipt of your reception of the original letter and a copy of the proof verifying the incorrectness of the credit item you have mistakenly placed on my records. The following information therefore needs to be verified and deleted from the report as soon as possible : CREDITOR AGENCY - GENERAL REVENUE CORP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete this erroneous item from my credit report as soon as possible. Sincerely,
Complaint sub-issue: Company closed your account

Citi bank closed my checking account around XX/XX/2022. 
Upon enquiring, I was told by citi bank teller that they no longer had access, yet I would be getting a letter in 30-60 days, along with a check of remaining funds.
Complaint sub-issue: Information belongs to someone else

I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. The accounts and inquiries that are on my account that are not mine. 
I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts and inquiries, and remove them once its confirmed that they are not mine. 

I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ). 

It could also be possible you are mixing up these accounts with someone that has a similar name as me.
Complaint sub-issue: Their investigation did not fix an error on your report

On XXXX XXXX I submitted documents stating that 3 accounts had fraudulently been opened in my name. I submitted rental lease agreements showing I did not live in the address. Tax documents. Identification documents. and a FTC affidavit for the identity theft. I contacted the company 2 weeks later and they showed no record. Resent documents on X/22. called 2 weeks later. Was told by a representative that they would get a supervisor to pull my documents as the dispute had not been recorded or processed even though it had received documents. Called today X/XX/17 and was told that someone had attempted to keep the account open therefore I was being held liable for the account. This is an outrage. I did not open the account. I did not authorize the account. I did not use the account. I had never attempted to open the account and the first time I contacted someone was on X/X/17. I am being held liable for an account that the identification documents do not even match!! My FTC affidavit and police report and address verification documents should be proof enough that this account IS NOT MINE. Next step is hiring an attorney. I have requested they cease collection activity. they did not. I requested in writing documentation pertaining to the person who opened the account and application details. They did not provide it to me. I has now been over 45 days.
Complaint sub-issue: Account information incorrect

I am filing this complaint against Equifax, XXXX and XXXX for inaccurate reporting on my credit reports. On XX/XX/2021 under the Fair Credit Reporting Act, I filed a dispute with each credit bureau where I sent a copy of my Title to my Car and a letter from XXXX XXXX showing that my account has been paid in full. Neither credit bureau updated my report to show that this account has been paid in full. Upon completion of the dispute the credit bureaus decided to ignore my Title and the letter submitted and continues to report this account as Open and with a balance. The credit bureaus are supposed to report accurate information in accordance with the Fair Credit Reporting Act. I provided a copy of my Title and a copy of a letter showing my account with XXXX XXXX has been satisfied there is nothing for the credit bureaus to do but report this account correctly and/or remove it from my credit files. It should not be this hard to get the credit bureaus to follow the law.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

Greensky keeps harassing me, although I told them to stop contacting me. I've had to block their calls and they keep sending me mail although I asked them 2 months ago to charge off my account.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I have received a letter from ERC o n   XXXX   XXXX   2017   claimin g that ... I owe money to  XXXX   XXXX  and to my recollection I have never used  XXXX   XXXX  in the past and I do n't ever recall having  XXXX   XXXX  at my house in the last 9 years.  <P/> Creditor :  XXXX   XXXX  Original Creditor :  XXXX  Account Number :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   Amount of Debt : {$50.00} Reference Number   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   COLLECTION NOTICE Our records indicate that your balance with  XXXX   XXXX  remains unpaid ; therefore your account has been placed with ERC for collection efforts.   Upon receipt and clearance of {$50.00}, your account will be closed and collection efforts will cease.   Yo u may  be eligible to reactivate your service with  XXXX   XXXX . If you still have your equipment, yo u may only be re quired to pay a portion of your balance in order to reactivate. We can walk you through these simple steps to reactivate, simply call  (   XXXX   XXXX   XXXX .   This letter serves as notification that your delinquent accoun t may be reported to the national credit bureaus.    Unless you dispute the validity of the debt, or any portion thereof, within 30 days after your receipt of this notice, the debt will be assumed to be valid by us.  <P/>  View st atements, pay your balance, and manage your account online at  XXXX   Telephone : (   XXXX  )  XXXX  Toll  Free. All calls are recorded and may be mo nitored for training purposes.   Send correspondence to : ERC,  XXXX .  XXXX   XXXX ,  XXXX , FL  XXXX  Office Hours ( Eastern Time ) :  Mon-Thurs  :     XXXX   XXXX   XXXX  , Fri :   XXXX   XXXX   -   XXXX   XXXX  , Sat  :   XXXX   XXXX  -  XXXX   XXXX    This is an attempt to collect a debt. Any information obtained will be used for that purpose. NOTICE SEE REVERSE SIDE FOR IMPORTANT NOTICES AND CONSUMER RIGHTS Please do not send correspondence to this address.     XXXX   XXXX   XXXX  ,  XXXX   XXXX   XXXX , PA  XXXX     XXXX   XXXX    2017. R e ference Number   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   Amount of Debt {$50.00}  XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX  On the back  Federal Validation Notice Our Corporate Address  ERC  XXXX   XXXX   XXXX   XXXX , FL  XXXX
Complaint sub-issue: Reporting company used your report improperly

YOU BROKE THE LAW!!! 

Dear Equifax, You are in violation of the following subsections of the FCRA ( Fair Credit Reporting Act ) 15 USC 1681. Before I proceed I would like to make it clear to your company, and those in positions of Authority at your company that congress makes it clear that the banking system depends upon my consumer reports being fair, and accurate to me. Pursuant to 15 usc 1681 ( a ) ( 1 ). Pursuant to 15 usc 1681 ( a ) ( 2 ) congress make it clear that you are an elaborate mechanism with no real standing, or authority.

Pursuant to 15 usc 1681 ( a ) ( 3 ) You were not given this role. You assumed this vital role, and because of your assumption you have negatively affected my life, causing XXXX XXXX and XXXX XXXXXXXX. I have been unable to get a job because of you assuming this role. 
Pursuant to 15 usc 1681 ( a ) ( 4 ) You were unfair in reporting this erroneous information without first consulting with me the consumer. You have no proof that this transaction even took place. You are also impartial, because you allowed information to be reported while only hearing one side of the story. You also infringed on my privacy.by having a conversation about me with a third party and reporting this information as a result of this third party. I am demanding that this information be removed as soon as possible.

Pursuant to 15 usc 1681 ( a ) ( b ) You did not meet the needs of commerce this was NOT fair and equitable to me. This information is NOT accurate.

You are in violation of 15 usc 1681a ( d ) ( 2 ) ( A ) ( i ) If this was a factual transaction, Which you would not know because you was not there, it would be a transaction that solely took place between and the person that allegedly made this report. So pursuant to 15 usc 1681a ( d ) ( 2 ) ( A ) ( i ) it should be excluded from my report. 

ACCOUNT NUMBER : XXXX ACCOUNT NUMBER : XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

Enhanced Recovery has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Complaint sub-issue: Account status incorrect

fact, I the affiant is aware and have proof that Equifax has and continued to violate my consumer privacy rights. I the affiant observed 35 violations on my consumer credit report. XXXX is and continues to be in violation of 15 U.S. CODE 1681 ( A ) ( 4 ), 15 U.S. CODE 1681 ( A ) ( 2 ), 15 USC 1692 ( D ) ( 1 ) ( 3 ) 15 USC 1681 ( A ). Even after being informed numerous times that's the information was incorrect and should not be on there. I have been injured numerous times from XXXX 's gross, negligent and willful behavior. these injuries include, and are not limited to being denied of credit, my reputation has been ruined, loss of business income, XXXX, and mental anguish.
Complaint sub-issue: Reporting company used your report improperly

XXXX & XXXX at address ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) has been sending me collection notices in the amount of ( {$300.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. 

I would like the bureau to delete this account off my credit report and do not try to put it back on my credit report. 

In accordance with the Fair Credit Reporting Act, XXXX Account ( that goes by ) : XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Complaint sub-issue: Attempted to collect wrong amount

Received a new letter for an increased amount of XXXX Citibank in XXXX closed my XXXX  account, and still has yet to respond to my initial complaint. 

This is XXXX on a person with XXXX. This is also not acceptable due to my status as a XXXX  public official ( past ).
Complaint sub-issue: Information belongs to someone else

The information reporting on equifax is not my accounts. Ive tried numerous times disputing these accounts. I hope you can assist me in resolving the issues with my report at equifax.
Complaint sub-issue: Trouble using the card to spend money in a store or online

I received my replacement card on XX/XX/2020. I made a online purchase early morning on XX/XX/XXXX around XXXXXXXX for a phone bill which successfully went through. I than went to try to make and I store purchase around XXXXXXXX XXXX the same day and my card continued to decline. I called multiple representatives to try to understand the issue. I spoke with 2 representatives and a supervisor. The supervisor let me know there was a block on my account because I need to validate it. When I asked why she said it was for reasons she didnt know. I asked if I could speak to someone who would and she refused. She said the only way to remove the restrictions was to fax my Id, proof of residency and my ssc. I was not comfortable doing so since I was just sent a new replacement card and spoke with cardholder services all week, let alone the supervisor couldnt explain why the restricted my account in the first place. I asked for anyone from another department or Human Resources and she refused : stating that she will not give out anyones contact others than her own. Now the government assistance money on my card is unable to be accessed while I have a XXXX year old child whom I have to care for with my assistant and I am XXXX XXXX XXXX I can not do much without the use of my government funds and they are being held for reasons unknown.
Complaint sub-issue: Debt was result of identity theft

XX/XX/XXXX they claimed I owe them an application fee.. I called them and explained that it wasnt me me and how I was going to fiord a police report against them.. they told me they was send me a fraud packet.. u never received it I never applied to any apartments in XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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: Application denied

I recently tried to apply for a new credit card through XXXX. Have had no issue getting credit cards in the past, or renting an apartment. 

I filled out my information on the XXXX  website, but then they said I had been denied. It had used " Sagestream LLC '' as their credit reporting company. 

It said the reason I had been denied, is because I was deceased. DECEASED. I am a XXXXyo XXXX   XXXX. I would like to know how I can find out if this is a case of identity theft or not, and for Sagestream to not be able to report information because it is clearly false. Thanks.
Complaint sub-issue: Report improperly shared by CRC

This is the third action I have pursued regarding Equifax reporting of Hard inquiries. After XXXX complaints to them, they reported on XXXX XXXX 2016 that XXXX is reporting no inquiries, see attached, but NO corrective action was taken on their part to remove this bogus entry from my report. What 's more, they claim that they can report my credit status ( hard inquiry ) under virtually any conditions. " If you apply to have certain services, such as utilities ( gas, electricity, water, etc. ) phone service, XXXX, your application, whether verbal or in writing, generally allows the company to make credit inquiry ; and '' So if someone claiming to be me for some anonymous company requests my credit information they can get it!!! This is unacceptable, with today 's public records all you need is a name a birthdate to obtain all info including but not limited to my SS #. 

THERE MUST BE LAWS WHICH REQUIRE CONFIRMABLE CONSENT for such information. 

I have no idea who XXXX is nor do they have a record of an inquiry, however, my credit record is damaged and obviously, Equifax has no intention of correcting the records without written proof from me or XXXX saying remove the entry. 

This is an example of how difficult, no virtually impossible it is to have erroneous entries removed from a consumer credit record. As indicated in the attached document XXXX they accept no responsibility for correcting their error. 


I DEMAND THAT THIS AND OTHER ENTRIES WHICH I DO NOT ACKNOWLEDGE BE REMOVED FROM MY REPORT!!! 

What 's more, I will pursue congressional action to place strict access limitations on this information.
Complaint sub-issue: Trouble with how payments are being handled

I contacted Great Lakes Borrowers Services on XX/XX/22 to request a refund of the payments I made during the COVID-19 pause and verified the amount of {$8200.00} would be refunded back to me in the form the payments were made via direct deposit. The representative was polite and placed me on hold while getting approval and once she returned she told me the request was approved and I should see my refund within 5-7 business days. After not hearing anything or receiving anything I called again on XX/XX/22 and was told to be a little more patient and that it actually takes 4-6 weeks. It is now going past the 6 weeks and nothing still has been received.
Complaint sub-issue: Problem using a debit or ATM card

An unathorized wire transfer in the amount of {$4500.00} ocurred and the bank is denying to refund me the amount claiming that I did not take the necessary steps to protect my account. Its the bank who failed to protect my account. I contacted the bank within 5 minutes of this transaction occurring since they notified me themselves of this transaction. I have provided a police report, an FBI report and all the neccesary documentation and they have denied my claim three times. I dont know what else to do please help. This is through Citibank.
Complaint sub-issue: Old information reappears or never goes away

Both XXXX AND Equifax but even more so XXXX since they are assessing me a fraudulent insufficient rating in my opinion have kept a 20+ year old student loan that was intiated when I was about " XXXX years old '' at a hair dressing school for which I was NEVER given loan information, counseling nor ever had it properly explained to me. I was NEVER even told the amount being borrowed in my name NOR given any documentation at the time. The loan was taken out by " then owner '' of XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, XXXX. I " believe '' by the former owner XXXX XXXX or XXXX or one of his appointments handlers at the school at that time ( circa XX/XX/XXXX ). 

Both XXXX AND Equifax have had this single loan listed NOT ONCE but " 3 '' times on my credit report! This should be illegal!!! I only ever had the 1 as mentioned " fraudulently obtained '' loan 20 years ago ; which furthermore it was a trade school & I was unable to finish & only attended a few months " part time '' no less & as a result returned all of the equipment & books & materials given to me when I first enrolled. A clerk at the school assured me that ANY loans taken by the school in my name would be canceled out! CLEARLY ... I discovered to my HORROR that this was a LIE! Not only was it never canceled out ; it was reported as delinquent some years later for which I " hand wrote '' letters of dispute to the Big 3 Credits Bureaus at the time. Not only has the loan not been removed from my credit history it is, as mentioned reported on my XXXX XXXX account as " 3 closed & unpaid student accounts ''! This is a fraudulent account & I have been victimized by this single situation almost 20 years now! I've been denied jobs, apartments, credit cards, personal loans ALL because of this singular false accounting which is listed as 3 by both XXXX & Equifax! This is a long time abuse upon me as a citizen in this country, especially since, I have NEVER had a single credit card, personal loan or mortgage yet to this day at almost age XXXX & being refused things like shelter and employment based on a fault credit history is an absolute disgrace & needs to be addressed immediately! PLEASE MAKE THEM FIX THIS!!!
Complaint sub-issue: Account status incorrect

I disputed inaccurate information about a 30 late payment in XX/XX/2020 with Ally Financial ( Account number # XXXX ) on my XXXX  credit report ( Report Number XXXX hard copy ). The results of XXXX  investigation appears to have updated my credit report ( which has a different report number of XXXX ) now showing that a 30 day late payment occurred in XX/XX/2020. 

This poses many questions and problems at the same time. Why are there multiple credit reports? This appears to be very deceptive. For XXXX  to change what was initially being reported as accurate on my credit report ( 30 day late payment in XX/XX/2020 ) means that they were knowingly reporting inaccurate information which is a violation of the FCRA which should have resulted in the deletion of this 30 day late payment. 

How could XXXX  report this late payment as accurate and upon my dispute change the month they said was correct initially to an entirely different month. 

Ive had trouble with getting this resolved with Ally Financial and on their online account system it shows that 2 payments were made in XX/XX/2020 but they claim that they dont see that and its their system. Multiple phone calls, emails and letters have gone unresolved. They put the burden of proof on me to validate something that is listed on their website ( see attached ). 

As a consumer and taxpayer, I feel as though Im helpless against these credit bureaus and companies like Ally Financial who report inaccurate information and are not held accountable for it. 

They can damage my credit profile with no repercussions. Its not fair at all.
Complaint sub-issue: Account information incorrect

The credit bureau is reporting inaccurate information to my credit report. I sent in a dispute letter to them on XX/XX/2020. They have fail to comply within the 30 day statute of limitations.
Complaint sub-issue: Threatened to arrest you or take you to jail if you do not pay

ERC. threatened to XXXX and XXXX my XXXX if I didn't pay this debt, I ask them to submit proof that I owe this debt, I was told I would lose my job and they would take my home.