Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of XXXX  and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.
Complaint sub-issue: Contacted your employer

XXXX from texas guaranteed has repeatedly harassed my potential employers for the past 6 months while I am interning - the employer has let them know I am not a XXXX Employee, even after I complained on here after repeatedly asking them to stop contacting. They do not block the number - so it shows who is calling - and leave messages with staff members to call me, including voicemails on non-secure voicemails that other staff members here stating who they are and why they are calling. The past 7 days alone I have these : XX/XX/XXXX @ XXXX both voicemail and message with staff left by XXXX XX/XX/XXXX @ XXXX and XXXX by XXXX XX/XX/XXXX @ XXXX and XXXX by XXXX XX/XX/XXXX @ XXXX and XXXX by XXXX XX/XX/XXXX at XXXX and XXXX by XXXX XX/XX/XXXX at XXXX and XXXX by XXXX I spoke with the manager after the last time I wrote a complaint on here to stop contacting and clearly that did not happen. How do they expect anyone to ever get and/or keep a job when they do this? 
They also call my family members and harrass them.
Complaint sub-issue: Information belongs to someone else

I've been disputing fraud accounts on my credit report since XXXX 2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed an item on my credit report 3 separate times and provided supporting documentation directly from the collections agency as well as documentation showing XXXX and XXXX have deleted the item. Equifax has not reinvestigated nor have they update the item to reflect the correct status or removed it from my credit report. The dates and details are listed below.XX/XX/XXXX: I ran my Equifax credit report and discovered that I had had an unpaid collection for $XXXX  with XXXX XXXX XXXX XXXX. 

XX/XX/XXXX: I called and paind stalling Financial the full amount plus $XXXX credit card processing fee - this is how the payment appears on my bank statement below:
 (	XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX	$XXXX)

XXXX: Requested item be updated as paid collection Conf #XXXX  
XX/XX/XXXX Disputed item Conf XX/XX/XXXX it was verified and not deletedXX/XX/XXXXcalled and disputed item over the phone for reinvestigation conf# XXXX
XX/XX/XXXX: Attempted to fax Equifax supporting documents 5 times and received 5 failed fax messages to the number provided buy the representative over the phone XXXX  
XX/XX/XXXX: Called Equifax to discuss failed fax and was given a different fax number XXXX resent the documents and received fax confirmation that Equifax received supporting documentation fromXXXX  and XXXX credit bureaus 
(fax confirmation below:
XXXXXX/XX/XXXX
to me 

Dear XXXX XXXX

Your fax to Equifax at XXXX has been sent successfully!
Successful delivery of your fax was confirmed at XXXX XXXX Eastern Daylight Time onXX/XX/XXXX
Your fax included 1 page of coversheet with your text and 17 pages of attached documents.

Thank you,
XXXX

(id#XXXX))


XX/XX/XXXX received dispute results for Confirmation #XX/XX/XXXX item was verified and not removedXX/XX/XXXX received dispute results for Confirmation XX/XX/XXXX(generated by the fax I sent in) item was verified and not removed despite sending a letter directly from the company via fax that the item had been paid off.XX/XX/XXXX I attempted to log into my Equifax dispute results and was given a message that said that my social security number was impacted by the security breach that happened during the summer and I was prompted to sign up for XXXX XXXX credit monitoring which I did. I received and email to activate my account but when I attempted to I was told to wait 48 hours

XX/XX/XXXX I ran my credit report via XXXX XXXX and the item remains on my credit report.XX/XX/XXXX: I called Equifax and was told that the item was verified as unpaid and open.
Complaint sub-issue: Problem with personal statement of dispute

Ally Financial refuses to remove negative payment history from my credit reporting. 

I purchased a XXXX XXXX XXXX for my husband in XXXX of XXXX, but we have since been divorced. The divorce filing was finalized on XX/XX/XXXX, which states, Husband shall retain the XXXX XXXX XXXX, titled in his name, free and clear of any claim of wife. XXXX shall be responsible for the loan on this vehicle to Ally, held XXXX name, holding wife harmless from collection there on. 

I filed a dispute with XXXX in XX/XX/XXXX. On XX/XX/XXXX XXXX reported the my credit file had been updated, but the negative payment history was not removed from my report and my credit file was updated and it was suggested that I reach out to the lender to file a dispute with them. 

I contacted Ally Financial on XX/XX/XXXX and was given a direct fax number to the department that handles their disputes. I faxed a copy of my divorce decree to support the dispute on XX/XX/XXXX. I also filed disputes with XXXX, XXXX and XXXX at that time and provided supporting copies of my divorce decree. All have resulted in some sort of update to my credit report, however, the negative history remains. Additionally, I received a loan extension agreement from Ally dated XX/XX/XXXX. I was never consulted about the extension agreement prior to being put into place. 

This is very damaging to me as I was forced to purchase my home at a higher interest rate, and am currently trying to refinance, but am unable to until my credit score increases and the {$20000.00} debt no longer impacts my debt to income ratio. Per my divorce decree my ex husband, his lawyer and Ally Financial had 45 days from finalization of the decree to have this issue corrected. As a result, Ive paid an incredibly significant amount in interest on my home loan that was unnecessary and has put me and my children under significant financial hardship.
Complaint sub-issue: Funds not handled or disbursed as instructed

My name : XXXX XXXX Ph # XXXX email : XXXX Name on Account : XXXX XXXX XXXX XXXX XXXX Citibank XXXX NY Branch Date promotional deposit of {$100000.00} made : XX/XX/XXXX I made a deposit of {$100000.00} into my above Citibank on XX/XX/XXXX under the Citibank promotional deposit scheme that {$1500.00} will be credited into my account after XXXX months and if money remains in the account for 6 months. 
The money has remained in the account for over 1 year ( actually money balance is still {$100000.00} in the account as of date XX/XX/XXXX ), but Citibank refuses to honor their commitment to credit me with the promotional amount of {$1500.00} into my account. 

I have contacted XXXX XXXX XXXX, XXXX Citibank XXXX, NY Branch repeatedly for over 9 months now, but she refuses to credit the {$1500.00} promotional fee amount. She keeps saying " matter is escalated '' for last 6 months ( after initial complaint ) now, and I feel that this is going beyond normal and routine delay. 

Please help me get the {$1500.00} promotional fee that they advertised they will pay, and ask them to honor their commitment, after keeping my {$100000.00} for over one year now. 
Thank you.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

Someone from the company  XXXX   XXXX   XXXX   XXXX  is calling, representative named  XXXX   XXXX  's, is stating he 's an Investigator for  XXXX  County and will be serving me at my place of employment. I asked them to send a letter to my home address and they are refusing. They will only send me an email.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I am contacting your agency in hopes you can help me get my money back. I have paid several companies thousands of dollars for various online businesses related and XXXX XXXX XXXX XXXX was one of them. They took my money under false pretenses. I paid them with my XXXX XXXX XXXX XXXX card on XXXX/XXXX/XXXX an amount of {$10000.00}. They promised me a second web page and a profitable online business. I never received any goods or services. I have been lied to and charged for services that have not been provided as promised. They have used false and misleading tactics and it is clear that they never intended to fulfil their end of the deal. I know its been a while but I need your help in contacting my credit card company so they can open an investigation. I am seeking your help. I am in debt and all I wanted was an extra income. I hope you help me get my money back. Thank you
Complaint sub-issue: Debt is not yours

The consumer, who is a federally protected consumer, is here to dispute any purported claims that you are now listing as a consumer debt on the consumer 's credit report.

In accordance with Section 809 of the Fair Debt Collection Practices Act ( 15 USC 1692g ), the Consumer is requesting confirmation from you ( FDCPA ).
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I checked my credit report on XXXX XXXX and found a creditor on my report that I don't recognize and did not give authorization to. It was made on XX/XX/XXXX and showing up now and is on my credit report to XXXX. I did not do this nor did I give this financial company authorization to use my report. Thankyou
Complaint sub-issue: Investigation took more than 30 days

I sent in documents in regards to inaccurate information being reported on my credit report. These documents were sent in XX/XX/XXXX. I have not received any correspondence into an investigation from XXXX or Equifax.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify 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 updated from erroneous reporting in my 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 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: Not given enough info to verify debt

I requested a debt validation on the alleged debt from XXXX XXXX XXXX of {$550.00} from ERC. I received a response from ERC with an XXXX XXXX XXXX bill dated XXXX XXXX. I contacted XXXX XXXX XXXX and they said the debt was in collections in XXXX! This debt was purchased by several collection agencies starting from XXXX on XXXX/XXXX/XXXX then to XXXX on XXXX/XXXX/XXXX, and then to ERC on XXXX, XXXX, XXXX. The original delinquency date on the account first became delinquent has changed several times by the XXXX collection agencies. Federal law requires that collection agencies report the original delinquency date from the original account. Because the original delinquency date does not change, the XXXX year time frame does not start over when an account is sold or transferred to a another lender or collection agency.The recent collection agency ERC reported that I just owed the debt in XXXX XXXX when it was originally in XXXX.
Complaint sub-issue: Debt is not yours

I see a collection on my account that is not mine and I had wrote an contacted XXXX  and they gave me a very hard time. I suspected it was fraud and the person who I have talked to on the phone acted as if he didnt care at all. I am trying to get the following account remove from my XXXX  account XXXX Credit report I.C. System, Inc ( creditor ) Account number- XXXX Collection Account Alleged balance- {$1200.00} Alleged date open - XXXX, XXXX
Complaint sub-issue: Account status incorrect

-As of XX/XX/2020 I checked my credit report which stated I had a score of XXXX. 
XXXX XX/XX/2020, I checked my credit report which stated I had a score of XXXX. 
-The only thing that has been done differently in that short time frame is contacting my loan services for deferring my payments for my student loans. 

*As part of the coronavirus relief bill passed through Congress and signed by President Donald Trump on Friday, lenders must stop all payments for federally held student loans through XXXX XXXX. During that time, interest will not accrue on the loans and nonpayment during that period can not be used to affect credit scores or a persons qualification for loan forgiveness. According to the bills text, each month for which a loan payment was suspended will be treated as if the borrower of the loan had made a payment. 
-source : United States Congress -Now they are negatively impacting my credit score in violation of an act of congress.

-The credit reporting agency also failed to protect me under the maximum accuracy provision of the FCRA 16 USC 1681 et al by not insuring that the student loan servicer complied with all the relevant rules required by the FCRA . 
-As such, their reckless, wanton, and disregard for the rule of law has now adversely impacted my credit score, as such I am continuing to suffer irreparable harm by the acts committed and recklessness by the CRAs and XXXX  XXXX XXXX XXXX
Complaint sub-issue: Charged too much interest

I took out a Best Buy/Citibank Platinum VISA Card a year ago. This card is a combination Store Card and also General Usage Card. When I first applied for this card I was provided misinformation by the Best Buy Store Staff. I am now being charged a monthly APR Interest Rate of 28 % and my required minimum monthly payment continues to rise along with the interest rate. To top it all off ... whatever I do pay per month ( well over 100 dollars ) does virtually nothing to bring down the balance. I fear this is a scam and that this is a trap credit card. I called Best Buy and they told me that they have no control over the practices of Citibank. I called Citibank and they were direct and rude with me ... even though my account is current. They outright refuse to negotiate the Interest Rate and tell me it can never be done. I know this is a lie. Their excuse is that this is a Store Card ..., but it isnt just a Store Card ... it can be used anywhere for General Purchases. It just has a Best Buy logo on it and Best Buy Store Purchases are at a lower interest rate than General Purchases. So they are not telling the truth about the card. I want them investigated for misleading and lying to consumers. I want them investigated for trapping customers into a deal that they cant get out of without falling into further debt, debt collection, or even bankruptcy. Again ... none of this was explained to me by Best Buy Staff. They never told me I was going to be charged almost 28 % interest either. Very little if anything was explained to me. The only thing they kept pushing was 0 % interest for the first year. But thats not true either. Theres no interest for the first year on general purchases ... but after a year they apply BACK interest on those purchases without notifying you prior to signing. Then they refuse to negotiate anything related to interest. They also do not tell the consumer that there is a {$69.00} annual fee for having this Credit Card that applies yearly. This is loan sharking ... plain and simple. Theyre lying to people and keeping them in debt to them forever. I havent used the card in one quarter of a year now ( 3months ) and Im making a forced minimum monthly payment of {$140.00} .... and my balance is still {$3800.00} because the interest is {$70.00} a month. At this rate I will never pay this card off again unless I come up with the entire balance. This is so sad that people are being trapped like this. I do not recommend any credit cards from Citibank ever again for anybody ... including and especially Best Buy. I have 5 other Credit Cards. This one is the only one I am having such problems with. Thats how I know Citibank is not being truthful or fair with consumers.
Complaint sub-issue: Reporting company used your report improperly

XXXX/XXXX/2022 Called to demand deletions because the bureaus did not have consent and was hung up on. Told I was going to be transferred and was hung up on again.
Complaint sub-issue: Didn't receive enough information to verify debt

I am asking that mrs bpo llc document materials forwarded to XXXX XXXX, XXXX, XXXX  for me, mrs bpo llc as concerns the unsubstantiated account number. Since as error may be present within that information, I respectfully demand that you transmit this documentation quickly. Also please supplement with materials which verify that the account was established legally. I do not want just a cursory account history. Instead, I have requisitioned a detailed verification. If you can not meet these reasonable requests during the month following receipt, account summaries transmitted by mrs bpo llc to the three consumer reporting agencies must be considered false and may bespeak a statutory violation. In that case.you must erase that bureau without delay.
Complaint sub-issue: Problem with statement of dispute

I had a Chapter XXXX Bankruptsy filed on XX/XX/2008 and Discharged on XX/XX/2008. 
Equifax does not report the Discharge date, so I disputed this item and sent a copy of the Discharge to Equifax. 
Equifax did an investigation ( Confirmation # XXXX ) and upon completion still does not list the Discharge date and also now is reporting " Prior Disposition - Ch - XXXX '', which is NOT correct, I have never filed for or had a Ch-XXXX. 
So I disputed these XXXX items again ( Confirmation # XXXX ) and again sent a copy of the Discharge and Equifax is still not reporting the Discharge date and now is reporting " Prior Disposition - Ch - XXXX '', which is NOT correct, I have never filed for or had a Ch-XXXX.
Complaint sub-issue: Information is not mine

I logged into credit XXXX to get my free credit score and when I did I discovered that there are debts on there that are not mine are that is already paid so I called Equifax they would n't help me they tried to charge me to answer my questions I tried to log into their site I could n't log in because there were questions on there that I could n't answer about a home loan and a car loan that I have never had I 've never bought a car or house also they say I have opening credit cards and Retail credit cards and I do not they say I have a {$23000.00} debt from the hospital which should have been paid by Georgia Medicaid which I was covered under at the time what do I need to do about my credit report I can not get any help anywhere
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I had some inquires popup on my credit report that I did not approve of, they do n't belong to me I ever authorized them. I already contacted them and they said that they have no way of removing it off my report. I already placed a credit fraud on my credit files.        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   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  Equifax.
 XXXX   XXXX   XXXX   XXXX   XXXX  Equifax.
  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  Equifax.
  XXXX    XXXX   XXXX   XXXX   XXXX  Equifax.
 XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Equifax.
  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Equifax.
 XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Equifax.
 XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Equifax.
 XXXX   XXXX   XXXX   XXXX   XXXX  Equifax.
 XXXX   XXXX   XXXX   XXXX  Equifax.
 XXXX   XXXX   XXXX   XXXX  Equifax.
 XXXX   XXXX   XXXX   XXXX  Equifax.
 XXXX   XXXX   XXXX   XXXX   XXXX  Equifax.
 XXXX   XXXX   XXXX   XXXX   XXXX  Equifax.
  XXXX    XXXX   XXXX   XXXX   XXXX  Equifax.
 XXXX   XXXX   XXXX   XXXX  Equifax.
 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   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: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX have violated my rights. According to : 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. 
15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.