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

This is the timeline of events with XXXX Bank. 
XXXX, XXXX, I tried to update my email address with XXXX Bank because I was not receiving notices. The system did not update my email address. 

XXXX XXXX, I paid off the full balance of the card. 

XXXX XXXX, they assessed an annual fee and continued sending notifications ONLY to the email address I asked them to remove. 

XXXX XXXX XXXX, I received a letter letting me know my payment was late, so I went online and paid right away, and then followed up with a phone call, where the agent told me this would not report negatively on my credit. 

XXXX XXXX, found out they reported me as 30 days late. Contacted the center, was told they can not change this reporting. 

XXXX XXXX, Contacted them again, was hung up on. 

XX/XX/XXXX, contacted the executive offices and was assigned to an account rep. Case : XXXX, assigned to XX/XX/XXXX, XXXX left message -- he did not return my call XX/XX/XXXX, XXXX Left a message, call was not returned. 

XXXX, XXXX, left another message- a different rep called to tell me he was out and would call me when he got back. He never called. 

XXXX bank needs to take ownership of this issue and correct the issue. Please reference previous complaing : XXXX. This was NOT resolved in 30 days.
Complaint sub-issue: Reporting company used your report improperly

I DONT HAVE ANY KNOWLEDGE OF THESE ACCTS ON MY CREDIT- PLEASE REMOVE OR DELETE ... ....
Complaint sub-issue: Was not notified of investigation status or results

I have checked my credit reports and found items that do not belong to me, so I contacted the credit bureaus. I sent them my dispute letter along with the ID theft report and it has been more than 30 days since then. But I never receive any response as of this writing. I am asking fopr y our help coz those items are ruining my creditbility. Please remove them from my file
Complaint sub-issue: Attempted to collect wrong amount

I called on XXXX/XXXX/XXXX and asked about a XXXX negitive mark / bill on my credit report. I asked if they could do a settlement because I need that mark removed.i was told that they do n't do settlements and that I could make payments or pay in full and then it would be removed ones all of the money was paid. I said ok can I get all of that in writing. The lady said yes verified my address and said she would send it right out. On XXXX/XXXX/XXXX I I got a letter in the mail saying that I owe XXXX and I had a payment due XXXX/XXXX/XXXX. When I did not respond I got another letter that was out of line with false statements I never made and a higher amount than the last letter XXXX at this point I do n't believe I owe any of this bill.
Complaint sub-issue: Contacted your employer

Called my office attempting to collect something for XXXX which I assumed they purchased tried to force me to verify my social and dob which I will not give over phone continue to contact me at office which I said I could not be contacted there regardless now they continue to call with automated dialer From XXXX area code. Harassment for something Im not even sure belongs to me
Complaint sub-issue: Their investigation did not fix an error on your report

They keep sending me pre approved credit lines that I get denied for upon applying. Also the credit score shown is incorrect.
Complaint sub-issue: Information belongs to someone else

Attached to this complaint is a police report and identification information for Equifax Office of Consumer Affairs Department to review. The following accounts listed on my Equifax credit report are fraudulent, unauthorized and not my accounts : XXXX XXXX, {$560.00}, and XXXX XXXX  XXXX Credit Card, {$1800.00}. The following accounts/cards are lost/stolen : XXXX XXXX Credit Card, XXXX Credit Card and XXXX XXXX XXXX XXXX Credit Card. The following credit inquiry is fraudulent and unauthorized : XXXX XXXX XXXX, XX/XX/2019
Complaint sub-issue: Reporting company used your report improperly

When I checked my credit report I found out XXXX XXXX XXXX is incorrect and unverifiable. The balance, the dates tagged as late and other information are all incorrect.
Complaint sub-issue: Attempted to collect wrong amount

I have received numerous letters and phone calls from Bay Area Credit Service stating that I have a collection that I owe somewhere around {$400.00} ( I am at work right now, do not have the exact amount ). I thought all my collections were taken care of because I had two other collections which I settled but not before I had them report for several years and also sending me many letters and phone calls while Bay Area Credit Service had not done either until the past year. I asked them to tell me the hospital name and phone number, the original source of debt, but they were going around that and I never got a clear answer. I was getting annoyed with their constant barrage of phone calls and called the hospital I went to and they said all I owed was $ XXXX~ and that they had sent that to state collections. I called state collections and they said that they had it sent back to the hospital, which I called them again and they said they found where it was forgiven once it came back. I asked why I never saw this on my credit report for the past 3 years ; they said because they were trying to give me a chance to pay it off before affecting my score. They then continued after that, saying they would report to the credit bureau for my collections and they would stop contacting me because this was my " last chance ''. I have yet to see it on show up on my credit report and even after being threatened that this was my " last chance '' to pay off the collection, I still receive phone calls and letters from them. 

Apologies, this is a wall of text, I am unable to go through it again while at work.
Complaint sub-issue: Information belongs to someone else

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Information belongs to someone else

On XX/XX/2022, I discovered multiple accounts on my credit report including one collection that did not belong to me, that happened right after I pulled my credit report. I do not know how, but the accounts were there, this is my first time trying to remove the following accounts that are not mine, 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, these alleged accounts are not mine, and they need to be remove from my credit report, because they are part of an issue with Identity Theft and, I am now reaching the CFPB to do a complaint and accelerate the process of fixing this issue.
Complaint sub-issue: Debt was paid

The final bill for XXXX was paid directly to them, not a collect agency yet they continue to report to the credit bureaus as if I did. My final bill never reached me since I moved once my mail was routed properly, I was able to pay the bill as soon as I received it. The collection never even contacted me to begin with, they just showed up on my reports. That is not what the law states and they are breaking it.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XXXX/XXXX/XXXX car max requested to pull my credit for an auto loan. I was not in the market for a car and this was never authorized. A total of XXXX inquires throughout the XXXX bureaus from 6 different companies, which whom the other 5 say they pulled FOR car max, has been reporting on my credit. There are no open accounts or auto loans through any of these companies. I have contacted all 6 companies by phone email and letters only to get no results. XXXX, XXXX XXXX acceptance, XXXX XXXX XXXX ( twice same day on XXXX ) car max auto finance and XXXX XXXX XXXX servive
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2021 I initiated a dispute with XXXX. One creditor shows incorrect dates as my first date of delinquency. I included billing statements and a receipt of payment validating my claim. When I disputed with XXXX it was instantly removed but after repeated attempts with XXXX and Equifax no change has been made. This was a joint account with my spouse and was removed last year from her XXXX and Equifax but not XXXX.
Complaint sub-issue: Other problem getting your report or credit score

I have had Equifax subscription for almost XXXX years. Earlier in XX/XX/2018 I made an attempt to log in and could not. I called the following morning and was informed to call to call back in two hours. I fell asleep and did not call back. During the week of XX/XX/2018 I made another call but could not be directed to a live person. On XX/XX/2018 I made another attempt and was told they were conducting maintenance and call back in two hours. It was that day that I subscribed to XXXX XXXX. On XX/XX/2018 in the afternoon I called once and was told maintenance was being done and to call back in two hours. On the morning ofXX/XX/XXXX I made another call was told they were conducting maintenance and to call back in 24 hours, In anger I hung up the phone. I called CFPB to file a complaint and was directed to file as I am in this message. This is peculiar activity, I am trying to cancel my subscription.
Complaint sub-issue: Received unsolicited financial product or insurance offers after opting out

XXXX XXXX XXXX XXXX is reporting accounts in the amount of {$6300.00} {$10000.00} and XXXX XXXX {$440.00} which is fraudulent accounts and I have been filing disputes when I first learned of this information in 2013 from then to now present I involved XXXX XXXX to assist me nothings changed also I have hard inquiries that I have never applied for such applications please direct me to resolve these issues thank you also due to these data breaches with XXXX and XXXX I have been overwhelmed with 100 's of calls scams and false emails I have been attacked constantly my Identity has been stolen for some time now and I was n't notified by either company Im receiving false reports on my credit report and has reports of fraud on my bank account from XXXX which is now closed please assist me in getting these issues resolved Thank you XXXX XXXX all documents are reported on my credit report other than emails that are scams
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX account #. XXXX has violated my rights 15 U.SC. 1681 section 604 A States : it also states a consumer report agency can not furnish a account without my written instructions 15 U.S.C 1681 section 602 A States I have the right to privacy
Complaint sub-issue: Reporting company used your report improperly

Consent and privacy laws Equifax is violating I never gave them written permission and I've been getting denials for loans I'm aware that I am a consumer and a natural living being I've been denied about all the loans that I put in and this is hurting me purse this is hurting me because of the XXXX I have an eviction coming up this is because of Equifax for giving people information that I never gave them written permission to give my information 15 U.S. Code 1681b - Permissible purposes of consumer reports U.S. Code ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
( XXXX ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer
Complaint sub-issue: Investigation took more than 30 days

NOTICE OF Intent to FILE LAWSUIT To Whom It May Concern : This Letter shall serve as formal notice of my Intent to file a lawsuit against your company, due to your blatant and objectionable disregard of the law.     The FDCPA states you must cease collection activity until you have produced verification of the alleged debt if so requested. As per the FTC, this includes reporting to the credit bureaus, which you obviously have done illegally. It is quite evident that no such proof of this alleged debt exists or you would have provided it in the previous 4 months since it was requested. Also, when an alleged debt is disputed, a notation must be entered on the debtors credit report showing the item as in dispute. Again, this was not done.      Im sure  you are aware of the consequences in violating the Fair Credit Reporting Act and the Fair Debt Collection Practices Act as well as the multiple violations your company is now responsible for. If not, let me point them out for you.     FCR A 1. 623.  Responsibilities of furnishers of information to consumer reporting agencies  [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ) Duty to provide notice of dispute .    2. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of inaccurate or unverifiable information.      FDCPA  1. 805 . Communication in connection with debt collection  [ 15USC1692c ] ( c ) Ceasing Communication 2. 809. Validation of debts [ 15 USC 1692g ] As per the FDCPA : 813. Civil liability [ 15 USC 1692k ] ( a ) Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this title with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} If you wish to resolve this matter, this will be your last opportunity to do so. The foll owing items must be deleted from my credit files with the  XXXX  major credit reporting bureaus  (   XXXX ,  XXXX ,  XXXX   XXXX  and ) within 72 hours or by  XXXX   XXXX ,  2017  and you forward a Letter to me via email stating they have been removed and will not reappear on my credit reports again by you or another collection agency.     Please be aware if these accounts are not deleted by   XXXX   XXXX   ,2017 , I will be filing a lawsuit for multiple violations of the Fair Credit Reporting Act and The Fair Debt Collection Practices Act. I will be seeking civil liability in the amount of {$1000.00} per violation. Please also be aware I will file a formal complaint with the Federal Trade Commission, The Georgia State Attorney General, The and the Better Business Bureau. Thank you and I look forward to resolving this most expeditiously.
Complaint sub-issue: Attempted to collect wrong amount

In or around XXXX XXXX XXXX I received a bill for moving out of a apartment unit in XXXX XXXX, California for around XXXX from a debt company and among the charges was I think around {$800.00} or more for new carpet through out the unit. I had only lived in the unit for about 8 months, so I contacted the collection company by phone and email and disputed the charges and filed a complaint with the California Attorney Generals office against the collection company because they were pretty rude. I also contacted the lard lord and disputed the charges and sent them a letter stating that. As of this date I have not heard from the land lord corporate office regarding the disputed charges. It is my understanding that there is some amount of time period allowed when a debt is disputed with a collection company and the debt company must provide verification of disputed amount. I have not heard from this in any written form since I disputed the amount. I have attached a copy of the letter I wrote to the collection company and the land lord disputing the amount. The last thing I heard from the land lord was that they were sending my concerns to the corporate office. Which I attached a copy of the response form XX/XX/2020.
Complaint sub-issue: Information is not mine

I moved back to GA in 2014 and discovered I had several items on my credit file that I did not authorize. I immediately filed a police report in XXXX XXXX Ga. I called the XXXX credit bureaus where my files are located and added a fraud alert. Over the years I have been able to get most things removed from XXXX and XXXX but Equifax for some reason has been giving me the run around. Stating all my information has come back as verified yet they can not produce to me any information such as my signature to validate their investigation. I am an XXXX veteran and I defended my country proudly for 7 years yet I feel like the enemy when it comes to Equifax. I am in the process of rebuilding my credit and it is very difficult to do with all the fraudulent inquiries that 's are being held on my report by Equifax.
Complaint sub-issue: Received bad information about your loan

I have been submitting documents to MOHELA since XXXX XXXX XXXX They are blatantly lying and dragging their feet. I have talked to them on the phone. I have pointed out where they are rejecting my forms and deliberately stating falsehood. I have sent them documents and highlighted where they are not telling the truth. They are claiming my employment end date is before my employment begin date. I have resubmitted forms using different fonts and have had employers fill out forms a second time and MOHELA still lies.
Complaint sub-issue: Attempted to collect wrong amount

Purchased a XXXX  refrigerator from Homedpot in the amount of {$1500.00} Delivery scheduled for estimated XX/XX/XXXX. 
I phone to move up date because I already had a broken refrigerator and lost food. 
New date XXXX no show no call no email no tex rescheduled date XX/XX/XXXX Homepot delivery person called 1/2 hour prior to delivery notifying in route. 
upon unloading a brand new refrigerator from the delivery truck down to the ground he states that it is damaged and I can refuse it. 
My concerned is that I was eating pantry food without a refrigerator for a month. 
XXXX failed to provide the vendor Homepot a on time delivery and a new boxed refrigerator undamaged. 
I also agreed to have the water ice machine connected and in working order. Which was not connected and or is not in working condition.
Complaint sub-issue: Personal information incorrect

Equifax changed my address on my credit report and I am not sure why. I filed four disputes to fix it and they continue to get it wrong! I spoke with a supervisor today, XXXX XXXX, 2017 and she asked me if I submitted documentation. I told her that I submitted a copy of my drivers license twice, yet they continue to get my address wrong. I also explained to her that DMV has my zip code incorrect on my license. She proceeded to tell me that she had to go by what was on my license. I told her that I want my address to reflect what it has been for the last 8 years since I purchased my home because my address has not changed. I asked her to go by the address that has been on my credit report for years. I am very frustrated because I would not have to go thru all of this if they did not change my address in the first place. I am just trying to get it back to what it is was and is supposed to be. Well the supervisor told me that she had to use my zip code on my license so I asked to speak to her supervisor or someone higher than her. She transferred me to another supervisor instead. Her name is XXXX, ID number XXXX. I asked XXXX if she was the previous supervisors supervisor, or if she was just another supervisor like the previous rep. She told me she was a supervisor just like the previous one. After going back and forth with XXXX, she proceeded to tell me that they have a XXXX XXXX address for me as my current address. I told her I have not lived there in 20 years and that she was incorrect. I told her that was probably showing because the previous rep deleted my current address when she was in the process of changing it until I asked to speak to her supervisor. She tried to tell me that one of my creditors updated my address to that and I told her she was wrong. None of my creditors ever even had that address because it was from so long ago. My creditors are recent creditors. She tried to argue back and forth with me regarding this. I explained to her that even my dispute letters have my current address on them but with some wrong information so they did not have XXXX XXXX as a current address, otherwise that would be on my dispute letters. She proceeded to update my address to my current address but with the incorrect zip code. I have copies of all of the disputes. It is disgusting that a company operates like this when they are charge of something so important as consumer credit reports. What else do they have wrong? Everyone that I spoke with had a strong accent and were difficult to understand at times. It seems like this company is operating out of a foreign country.
Complaint sub-issue: Information belongs to someone else

I was looking over my credit report today and I noticed that an inaccurate account listed by XXXX XXXX XXXX now contains a past due balance. This is listed as a collections and from the laws that i have read a collection account can not have a past due balance as a collection is past due by default. Please delete this inaccurate account from my credit report for failure to accurately list this item. 

Equifax and XXXX  are both reporting this inaccurate account which is damaging my credit. Neither XXXX XXXX XXXX, Exquifax nor XXXX has provided me with any kind of validation of debt and I've asked multiple times. This is in clear violation of my rights.
Complaint sub-issue: Information belongs to someone else

FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$4700.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4300.00} Status Account charged off. {$3500.00} written off. {$4300.00} past due as of XX/XX/XXXX. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$4400.00} XXXX Account charged off. {$4400.00} written off. {$4400.00} past due as of XXXX XXXX. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$14000.00} XXXX Account charged off. {$14000.00} written off. {$14000.00} past due as of XXXX XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$6600.00} XXXX Account charged off. {$6600.00} written off. {$6600.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$11000.00} Status Collection account. {$11000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4900.00} Status Collection account. {$4900.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3200.00} Status Collection account. {$3200.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$4300.00} XXXX XXXX account. {$43.00}
Complaint sub-issue: Account status incorrect

They are reporting 6 months of missed payments, when that's not true. Also the dates are wrong.