Johnade/consumer_complaints_cfpb huggingface dataset:
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 deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
2. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
3. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4 Validate Account Account XXXX : XXXX Please remove it from my credit report. 
5. Validate Account Account XXXX : XXXX Please remove it from my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I had a XXXX XXXX XXXX XXXX with Citi Bank as of XX/XX/2019 I have balance of {$0.00} with them, it still shows up on my credit report
Complaint sub-issue: Their investigation did not fix an error on your report

Please remove inquires and XXXX XXXX XXXX I NEVER OWED... 

Also the XXXX  is unlawful : Public records information is NEVER validated by the Recorder of Deeds nor the XXXX XXXX XXXX system due to the Fair Credit Reporting Agency PRIVACY LAW ...... Per 15 USC 1681c ( a ) Bankruptcy information is Excluded from the consumer 's report ... ... .You are also violating 15 USC 1681b ( a ) ( 2 ) considering you ddo NOT have my consent to furnish any information.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX and XXXX are incorrectly reporting a collection in the amount of {$17000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page 15 of the attached credit report. ) This is a duplicate reporting of a third party collection. This item is also being reported on page 9 of the attached credit report. This duplicate reporting is a violation of the Fair Credit Reporting Act and is harming my credit score. These collection line items need to be removed from my credit report. I have contacted the bureaus to fix this issue, but I have not been successful.
Complaint sub-issue: Problem getting report or credit score

trying to obtain credit reports from XXXX and Equifax someone else had to set up a account now I ca n't even dispute on because they state 's I do n't know my grandmother 's name, come on now a few bank are mad and I need them to correct payment histories an balances I have a wrongful foreclosure on my credit report and I can provide supporting document but I need where I guess no one can access accounts online seeing how this is not the XXXX time this has occurred when my email address has n't changed in over 7 years but my grandmother 's name have?? come on now this not fair also that there 's numerous inaccurate information being reported and I 'm just trying to correct it and move on in the financial world but this is holding up the process.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

While reviewing a recent copy of my [   XXXX    ]  credit report I noticed a credit inquiry by your company that I do not recall authorizing.   I understand that you are allowed to put inquiries on my file, but only if I have given my authorization.   Please have this inquiry removed from my credit file as soon as possible. I have sent this letter certified mail because I need your prompt response to this issue.   I would greatly appreciate receiving a written response that you have had the unauthorized inquiry removed.   If you find that I am mistaken, then please send me proof of my authorization.  <P/> Thanks in advance,  XXXX   XXXX   XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act the XXXX Account listed as items 1, 2, 3, 4, & 5, has violated my rights. 

Pursuant to 15 U.S.C. 1681 ( a ) ( 4 ) I have a right to privacy. 
Pursuant to 15 U.S.C. 1681 ( b ) ( a ) ( 2 ) a consumer reporting agency can not furnish an account without my written instructions. 

XXXX. ) XXXX XXXXXXXX BANK {$920.00} Closed 38 potentially negative months Account Info Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Payment Info Status Charge-off 2. ) XXXX XXXX XXXX Original creditor : XXXX XXXX BANK XXXX XXXX. 
{$460.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Debt Buyer 3. ) XXXX XXXX XXXX L Original creditor : XXXX {$8400.00} Balance updated XXXX XXXX, XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection XXXX. ) XXXX XXXX XXXX  Original creditor : XXXX XXXX BANK XXXX XXXX. 
{$240.00} Balance updated XXXX XXXX, XXXX Account Info Tap labels for more details Account number XXXX Collection opened XXXX XXXX, XXXX Account type Debt Buyer 5. ) XXXX XXXX XXXX Original creditor : XXXX XXXX {$1300.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection
Complaint sub-issue: Reporting company used your report improperly

I don't know who this company is and why their on my credit report. I have not filled out for any credit. This company is committing fraud without my legal permission and rights. When I called they told me they didn't care about what I had to say and then hung up. I also filed with a complaint with FTC about this situation and alerted the credit bureaus of this situation.
Complaint sub-issue: Their investigation did not fix an error on your report

I was a victim of XXXX and XXXX XXXX which is stated in class-action multi-state lawsuit ask the credit bureaus to delete the account off of my credit report based on the findings and the multi-state class action lawsuit which is stated on page 8 section 11 and they refuse to remove it from my credit report
Complaint sub-issue: Debt is not yours

was contacted by Nelson & Kennard Attorneys at law. XXXX XXXX XXXX, XXXX CA, XXXX attempting to collect from me {$2800.00}. That debt is not mine, neither the address where this letter was sent to.
Complaint sub-issue: Banking errors

The bank processed all the payments I made on one day twice the day of XXXX, take hundreds of dollars extra and leaving my with a negative balance on XXXX. Went to the cafe to purchase my lunch and had my card declined leaving me to return everything and hungry. I called and found it was their mistake, but little care for the problems i faced due to their error and had no controller or action i could take. The best they could do is fix it by the end of the day and return any fees, no offer to help buy my lunch
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I checked my credit report and I noticed that I had unauthorized inquiries on my credit report that I do not recognize
Complaint sub-issue: Was not notified of investigation status or results

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed. being that they have gone past 30 days Mark and can not verify these accounts under Section 611 ( 5 ) ( a ) of the FCRA they are request required to probably delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible. Thank you
Complaint sub-issue: Was not notified of investigation status or results

XXXX XXXX XXXX / XXXX / {$18000.00} XXXX XXXX XXXX / XXXX / {$7500.00} DEPTEDXXXX  / XXXX / {$0.00} USDOE/XXXX / XXXX / {$0.00} 15 U.S. Code 1666 - Correction of billing errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There are numerous unauthorized inquiries on my credit report that I would like removed as soon as possible due to I did not apply for any credit
Complaint sub-issue: Trouble using the card to pay a bill

My account is on hold after i tried to transfer money to my XXXX XXXX   account to pay my rent ... they asked me to submit my Id i have done this 20 times and nothing they say i havnt submitted anything or they say its not clear enuff they are doing many ppl unjust ppl waiting on money they are holding on to accusing him very one of fraud. I want to get a lawyer as well i have to help my mother pay bills they are holding XXXX from me n my family
Complaint sub-issue: Problem getting your free annual credit report

Was not allowed to acquire my free credit report online from any of the 3 credit agencies through XXXX. 

Was not able to dispute items over the phone from any of the 3 credit reporting agencies. They kept shuffling us off to other  uninformed agents and we were hung up on continually. They have NO ACCOUNTABILITY.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a request to Equifax/XXXX/XXXX  to submit a method of verification in reference to a chapter XXXX bankruptcy they have erroneously reporting on my credit report.
Complaint sub-issue: Information belongs to someone else

( XXXX ) XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  XXXX GA XXXX FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING.
Complaint sub-issue: Can't get other flexible options for repaying your loan

Amount balance : {$1000.00} Action taken : Garnishment and Rehabilitation Program.

I would like to lodge a complaint for breach of rehabilitation agreement. 

In XX/XX/2019, I filed a BK. On XX/XX/2019, I received an e mail from ECMC requesting to contact ECMC. On XX/XX/2019, the BK Chapter XXXX was granted by the court. On XX/XX/2019, Complainant responded denying that he received. Default notice and asking for loan forgiveness. On XX/XX/2019, ECMC send Complainant requesting to contact ECMC. On XX/XX/2019, Complainant received another email from ECMC requesting to contact ECMC. Because of Complainant 's desire for rehabilitation, Complainant paid ECMC the amount of {$50.00}. Despite payment made by Complainant, Complainant surprisingly received an e mail from ECMC on XX/XX/2019. Again, on XX/XX/2019, Complainant again received an e mail from ECMC. On XX/XX/2019, Complainant contacted ECMC. On XXXX, ECMC representative , XXXX XXXX and Complainant entered into a Rehabilitation in which ECMC agreed that Complainant will pay {$5.00} a month for 10 months. This will get off Complainant out of default. Complainant agreed that the {$5.00} will automatically deducted from his debit card each month. On XX/XX/2019, Complainant received an e mail from ECMC confirming the agreement and the payment of {$5.00}. On XX/XX/2019, Complainant received a Notice of Garnishment from the Treasury Department dated XX/XX/2019. On XX/XX/2019, Complainant received two letters from ECMC confirming the rehabilitation agreement and where the voluntary payment of {$5.00} should be made. Prior to the letter dated XX/XX/2019 a copy of which was received by Complainant on XX/XX/2019, Complainant did not receive or had not received a Notice of Garnishment from the Treasury Department. On XX/XX/2019, Complainant called ECMC and Complain about the garnishment and that the garnishment is improper because ECMC already agreed for the Rehabilitation program. The woman promised to call me after she had consulted with the Manager but she did not. On XXXX 2019, called again ECMC and talked to the Manager XXXX and complained about the garnishment. The Manager told me that he can not stop the garnishment. I explained to him that this not fair because I would be paying ECMC twice each month, from the garnishment and the Rehabilitation program. I told him that I can not afford to pay the loan outright or make a big payment each because I am already retired and my SSS pension of {$1100.00} a month is not even enough to meet my financial obligation and daily needs. But the Manager refused to budge in to stop the garnishment. Hence. this complaint. 

Sincerely, Mr. XXXX XXXX
Complaint sub-issue: Debt is not mine

XXXX charged me unfairly for using phone call oversea And I know XXXX XXXX XXXX was ordered by FTC to pay over XXXX for overcharging their customers. 
please read my attachments.
Complaint sub-issue: Information belongs to someone else

To Whom It May Concern, This letter shall serve as formal notice of my intent to file a complaint with the FTC, due to your blatant and objectionable disregard of the law. 

As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated, as well as my follow-up letter dated. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable.

Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in  XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXXXX/XX/XXXX ), you may be liable for your willful noncompliance. 

For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago : XXXX XXXX XXXX XXXX {$8900.00} Reported balance
Complaint sub-issue: Received bad information about your loan

Re : Interests were capitalized in error. 

It came my attention that on XX/XX/XXXX FedLoan Servicing performed a retroactive action on my federal student loan accounts to capitalize all unpaid interests retroactively as of XX/XX/XXXX and XX/XX/XXXX. 

In XX/XX/XXXX a transfer of my student loans occurred due to my submission of a Public Service Loan Forgiveness XXXX XXXX ) Employment Certification form. When this transfer occurred in XXXX, all of my student loans were already on the Revised XXXX payment plan. There was NO CHANGE in the payment plan as part of the loan transfer. There was NO CONSOLIDATION OR ANY OTHER CONDITION that would lead to an interest capitalization event. 

My initial communication to FedLoan on XX/XX/XXXX about this issue led to a response from FedLoan stating that " When your loans transferred to FedLoan Servicing from your prior server the interest was added to the loan Balance. '' However, this answer from FedLoan Servicing was incorrect because the circumstance of my loan transfer ( due to XXXX  certification ) should not have triggered an interest capitalization event. My follow-up inquiry to FedLoan on XX/XX/XXXX seeking further clarification on this issue has led to no further response from them. 

I am writing to seek your assistance to compel FedLoan Servicing to immediately correct their mistake and reverse all related retroactive changes made to my student loan accounts in XX/XX/XXXX in connection to your error in retroactively capitalizing the unpaid interests as of XX/XX/XXXX and XX/XX/XXXX.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX Equifax and XXXX are reporting 6 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX  and XXXX  since ( date of first round ) asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

CRA is in violation of consumer protection laws.
Complaint sub-issue: Their investigation did not fix an error on your report

I have submitted dispute 3 times on Equifax website and still it have not been fixed. Almost 6 months and still it's hanging. All other credit reporting agency removed my wrong credit inquiry which was made by XXXX XXXX XXXX ( XXXX XXXX ) ( Wrong inquiry ran on XX/XX/2021 ). I have submitted all proof that wrongly pulled inquiry still it's not removed. Even XXXX XXXX  and XXXX XXXX provided all the proof still it's not removed. I am not getting this and if needed I will go at highest level to fight this. Enough patience now, I am losing it.
Complaint sub-issue: Public record information inaccurate

XXXX XXXX, through XXXX, has not been reporting to the credit bureau 's since XXXX. Attempts to contact them only results in canned responses with no assurance that this will be corrected anytime soon. Multiple customers are facing the same issue.They need to be held accountable to not reporting which is causing customers to not have updated information to the credit bureaus which effects everyone 's scores.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX, XXXX talked to a person by name XXXX fraud Discovercard fraud division in dispute of charges made by XXXX in the amounts of {$14.00} XXXX made on XX/XX/2020 ) {$1.00} XXXX made on XX/XX/2020 ) and {$13.00} XXXX made on XX/XX/2020 ). Total of that those fraudulent charges was & XXXX. I deducted that amount from the total charge and paid the remaining amount on a due date. Discover instead of charging back those fraudulent charges, charged me {$5.00} interest on those fraudulent charges. today when I attempted to dispute those charges by talking to another person from the fraud division in XXXX by name XXXX, and another fraudulent charge made in the amount of {$110.00}, by XXXX with whom I do not have any relationship whatsoever and did not purchase anything from them. Again did not get any assistance in that fraudulent transaction. It appears that Discover card allows all types of fraudulent transactions to be charged to my account.
Complaint sub-issue: Public record information inaccurate

Equifax continues to report inaccurate data on my account. They keep saying it was verified but that is not true. I contacted the source they said they verified it from and they said it was never reported to them as they do not subscribe to their agency. Due to that it needs to be REMOVED! It was not validated on verified by the ORIGINAL source. My right to privacy has also been violated according to FCRA 15 USC 1681 ( a ) ( 4 ). They don't have permissible purpose to furnish INACCURATE INFORMATION on my consumer report according to 15 USC 1681i.
Complaint sub-issue: Their investigation did not fix an error on your report

Checkr continues to report my XXXX  history from prior to the past 7 years, from XXXX ( almost 13 years ago ) and XXXX ( almost 17 years ago ). When I asked them to please remove it since its not complying with the FCRA guidelines of only allowing a background check for employment to go back only 7 years. FCRA guidelines for background checks, including XXXX  history, is supposed to only go back the previous 7 years.
Complaint sub-issue: Their investigation did not fix an error on your report

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

ACCOUNT NAME : XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$2300.00} ACCOUNT NAME : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$1200.00}
Complaint sub-issue: Account status incorrect

Repeatedly contacted company through mail, phone calls, certified letters with zero progress. Even contacted their executive office which assured it would be expediently rectified and never has been. 

The attached inquiries were invalid and occurred as a glitch in creditor system creditor took accountability and has now sent both Equifax and I removal request 11 times since XXXX of 2020 with zero action on Equifaxs part. 

Additionally Equifax removed account with XXXX and XXXX XXXX were provided everything to have readded and they stated please allow 30 days for those accounts to be readded it has been 4 months. They continue to report error with XXXX  XXXX XXXX  despite constant proof XXXX XXXX XXXX never late
Complaint sub-issue: Information belongs to someone else

I have not been late on this account there was no full investigation on this account for late payments. There was an automated response from e-Oscar system stating the information was verified. I request physical verification in XX/XX/2020 of this year showing I was LATE as I have NEVER been late. XXXX  XXXX XXXX  # XXXX Please correct payment history as it not reporting correctly. 

I was not late on the this account. Please PROVIDE PHYSICAL VERIFICATION OF LATE PAYMENTS.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries and addresses are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these items from my credit file. 
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 XXXXXX/XX/XXXX
Complaint sub-issue: Seized/Attempted to seize property

Aldridge Pite LLP an alleged Attorney Firm, but debt collector defined in the FDCPA along with XXXX XXXX, XXXX XXXX and XXXX Mortgage has criminally engaged in acts of violence, abuse and harassment physically against the named consumer and her family, household.