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

I have sent in numerous dispute letters and validation letters to XXXX XXXX XXXX, XXXX. XXXX XXXXXXXX XXXX, XXXX does NOT investigate Conns Credit corp. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX letter stating that the account was verified. I then send in a letter to see how the information was verified and I never receive a response back. The law states that the consumer has the right to request validation. 
The Fair Credit Reporting Act 15 U.S.C 1681 is the written law and XXXX XXXXXXXX XXXX, XXXX is breaking the law by not abiding.
Complaint sub-issue: Reporting company used your report improperly

in accordance to Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. The credit Bureaus stated my account was properly investigated but how is that possible if the open inaccurate, the date last active is inaccurate, and the date last reported is not accurate. The ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail
Complaint sub-issue: Reporting company used your report improperly

Department of Nelnet has furnished my student loan to credit reporting agencies without permissible purpose. Pursuant to 15 USC 1681b. ( a ) ( 2 ) I do not consent and i did not give consent to furnish this student loan on my consumer report. A consumer report is voluntary and i did not consent or volunteer for my information to be used publicly or privately. As a consumer and natural person in fact i believe that a fraud is being committed by Department of Education Nelnet Pursuant to 15 USC 1602, 15 USC 1605, and 18 USC 8.
Complaint sub-issue: Didn't receive terms that were advertised

Citibank promised a new account promotion for {$400.00}. It should reach to my account by XXXX. Please see attached letter sent by their research team. But the same money has not come to me yet. I did many follow up with their customer care but none of them are helping.
Complaint sub-issue: Information belongs to someone else

USBank is reporting my husband 's delinquent credit card account as mine even when they know the report is false. In XXXX my husband opened a credit card in his name alone. I knew nothing of this new account until XXXX when my husband was in the hospital and he asked me to pay the household bills, which he always did. When I opened the USBank billing statement from his mail, I called them to ask why his balance was twice the credit limit. I was told that my name was NOT on the account and they can not give me any information. My husband then gave me his online username and password so I can make electronic payments for him. My husband later told me that he opened the account online and was absolutely certain that he was the only account holder and he never listed me as joint/secondary. He called them in XX/XX/XXXX to ask them to stop reporting my name as joint account holder and to take it off my credit report, but they refused ; he then demanded a true and original copy of the credit application showing my name or signature electronic or otherwise, but they never provided it. I sent them a letter demanding the same with no response. I disputed the {$6900.00} account with XXXX 3 times and XXXX 2 times with the same reason state above, but the account still shows on these reports. It is absent from my attached XXXX report that I pulled on XX/XX/XXXX. They told my husband that they will only erase the entry from MY credit reports if he pays the charged off account in full.

Please note that my husband and I have a different USBank secured credit card with a limit of {$300.00} that is joint ownership.
Complaint sub-issue: Their investigation did not fix an error on your report

The credit bureau did not investigate the late payment reported on my credit report from flagship credit acceptance. By consumer law, they are a corporation, i am a consumer and flagship credit acceptance is damaging my report and my life.15 USC 1681 ( 2 ) Exclusions consumer report containing information solely as to transactions or experiences between the consumer and the person making the report. please investigate and have the company change or delete the late payments. thank you.
Complaint sub-issue: Attempted to collect wrong amount

Due to XXXX I lost some work and my husband lost his job and we incurred a lot of credit card debt. I tried hard to keep my XXXX XXXX XXXX and pay my debts but it was overwhelming. I looked online for help and found XXXX XXXX XXXX. I signed up at the end of XXXX and they told me that I would submit my debts to them, stop paying them, and in 2 months they would make negotiations with my creditors. until then the money I paid them each month would go into a savings account to pay all my creditors. So after two months, I noticed my debts were not negotiated so I called them and they told me they were in negotiations with one creditor. I asked when the others ones would, and they said it takes 3-4 months not 2-3 months. They said the last person I talked to was wrong. So I waited another 3-4 months as I watched my debts not get paid and credit score drop. I called again, I was told it takes 5-6 months. So again, I waited, I get to month 6 and call again. This time I demanded to see a copy of the savings account where all my money was supposedly going. the one creditor they were paying they told me they only paid them XXXX a month and I was paying them XXXX a month. They sent me the statement, and it had a ton of fees taken out each month. I said, so you are telling me that you pay the XXXX and all the money I have sent, thousands of dollars now, has only went to pay your fees. there is no money left to pay my other creditors even if you get in a negotiation with them. for the first time they admitted to me that yes I guess there wouldn't be any money left or to do negotiations with the other creditors for two more years. I said, well I could have been paying them and you kept telling me not to and kept telling me to wait. I asked that they took notes of the call and make sure to state all that was said. I was scammed big time. I had made several calls to them throughout the process only to be told the same thing, they are working on negotiations. but they were not. I lost a ton of money, I lost my good credit, and I am now in a worse situation because I don't even have the credit to get a loan to help me pay off my debts. I have cards that I did not submit to them in good standing, and I am so happy I didn't. I can't believe this happened to me.
Complaint sub-issue: Investigation took more than 30 days

On my profile report, I found that there were unauthorized accounts that were unlawful. The fact that you've included the information below in my credit report and omitted to use reasonable means to ensure the highest possible accuracy in the credit reports you distribute bothers me. Credit reporting requirements ensure that only the most accurate information is made public. Each step in the progression should be followed to ensure the accuracy of the data presented. It's important to go deeper into the supporting data in this manner. Despite carefully reviewing my credit record from your service, I've been unable to locate any erroneous or invalidated accounts. As a result of the Equifax data breach, which may or may not have exposed my personal information, I am unaware of any items or erroneous information of this kind. You're not following the FRCA 's reporting requirements since you're filing your reports carelessly and erroneously. I understand that as a federally protected consumer, you are unable to hire a counsel to defend yourself against me.

Under TILA 1640, I'll sue the company for at least 1 percent of its stock value, or any other amount of damages up to and including $ XXXX, and seek a default judgment.
Complaint sub-issue: Personal information incorrect

I am having some issues with addresses on my file that are not accurate. My XXXX XXXX. XXXX I live at XXXX XXXX XXXX, XXXX, OH XXXXplease remove delete any other address. My DOB is XX/XX/XXXX, my SS # is XXXX. Please delete the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

The following Credit Reporting company below was contacted : Equifax, XXXX. XXXX  XXXX, XXXX, GA XXXX, XXXX ( XXXX ) XXXX The 1st letter was sent to Equifax company informing them that the items on my credit report are in violation of the " Fair Credit Reporting Act - Section 609. '' The FCRA also state that items that " Can not Be Verified '' must be deleted. Verification includes an original signed document with my signature on it in which they did not provide. Also, no XXXX XXXX or Automated System can not be used for verification as in the case of ( XXXX vs XXXX [ Equifax ] ). I also, sent a 2nd letter asking in more detail about the investigation as so stated in the " Fair Credit Report Act '' Section 611 ( a ) ( 6 ) ( B ) ( iii ) but still got an automated response! 

Please see the attach documents for more detail information.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. The information listed in this report has no relation to me. I have been unable to obtain more credit because of this unfortunate situation. I have contacted each creditor and they have failed to provide me with any documentation with my wet signature stating that I owe a debt to any of these companies. Under FCRA 609A, they have failed to verify any of this information. UNDER FCRA 605B I AM REQUESTING THAT THIS INFORMATION IS REMOVED IMMEDIATELY. FAILURE TO COMPLY WILL RESULT IN A LAW SUIT AGAINST ALL PARTIES INVOLVED, INCLUDING ANY AGENCY reporting inaccurate information to my credit profile. 

PLEASE REMOVE THE FOLLOWING INFORMATION : XXXX XXXX XXXX {$610.00}
Complaint sub-issue: Problem getting your free annual credit report

I logged on to XXXX to obtain all of my reports it would not let me access them. XXXX froze in the middle of it loading so I was not able to pull my report and print it. When I went back in to try it again it said sorry that we can not help you. I also tried to get it from Equifax. Equifax said that I did not pass the verification, even though I entered all of my information correctly. Once that didn't work, I called XXXX XXXX XXXX and Equifax to rectify the situation and spent the entire talking to an automated system. According to XXXX XXXX XXXX ( a ) ( C ) ( XXXX ) ( XXXX ) my credit reports are supposed to be easily accessible.
Complaint sub-issue: Didn't receive enough information to verify debt

To whom this may concern, Vance & Huffman are reporting a debt that I do no owe and there reporting XXXX and the letter XXXXthat they sent over to the CFPB shows a different amount of {$550.00} this is not my debt and I need this to be removed from my credit report. They haven't shown any proof that I owe them directly they have not validated that I owe any loans with them. I need for this matter to be investigated and for them to remove this erroneous debt from my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I successfully paid the {$8400.00} to my XXXX XXXX credit card in XX/XX/XXXX ( the payment confirmation from XXXX XXXXXXXX is attached ) but XXXX XXXX wrongly missed the payment ( the payment activities from XXXX XXXX are attached ) and intentionally ignored all my disputes with that missed payment, and then wrongly added delinquency to my credit report. 
When I disputed the wrongly added delinquency with Equifax on XX/XX/XXXX, Equifax failed to meet its reinvestigation obligations and, on XX/XX/XXXX, sent me a letter without correcting this wrongly added delinquency ( the letter is attached ), even when I tried to contact them to correct the delinquency record after I received the letter, Equifax still had never conducted satisfactory reinvestigation and never tried to contact me to get more details about the payment disputes, and Equifax had never corrected that wrongly added delinquency record. 
On XX/XX/XXXX, I disputed this wrongly added delinquency with Equifax again, unfortunately, Equifax did not meet its reinvestigation obligations again, and on the same day, sent me another letter showing the disputed delinquency unchanged, without any satisfactory reinvestigation ( this letter is also attached here ).
Complaint sub-issue: Information belongs to someone else

I have recently submitted XXXX certified letters containing police reports, identity theft affidavit, and a signed document from the XXXX XXXX XXXX # XXXX. To notify your that I am a victim of identity theft, and that the accounts they are reporting on my credit files are fraudulent. They keep ignoring all the police report and putting unknown accounts on my credit files. 
They have recently deleted some accounts and then added them back to my credit files. I have sent several notices from the companies that these accounts are indeed fraud. Yet they still report them. 

Creditor : XXXX XXXX Account # : XXXX Balance : {$0.00} Creditor : XXXX XXXX  Account XXXX XXXX XXXX Balance : {$0.00} Creditor : XXXX Account # : XXXX balance : $ {$19000.00} Creditor : XXXX XXXX Account # XXXX XXXX : {$430.00} Creditor : XXXX XXXX Account : XXXX Balance : {$230.00} None of these companies have my accurate personal information. All of theses creditor did not have authorization from me to obtain any credit accounts. 
After I carefully contacted each creditor no credit has accurate information to report anything on my credit files. 

The names are misspelled, the address are fraud I never resided at any of the addresses on file. 

All of my consumer statements have the wrong information in it. I have contacted these bureaus to inform them of theses identity theft issues, but my efforts are being ignored by these companies. I have no knowledge of these accounts, nor the fraudulent information they are reporting to my credit files. They have been violating my consumer rights and making my life difficult. I cant even use my own personal information because these companies are basically reporting inaccurate information.
Complaint sub-issue: Keep getting calls about your loan

XX/XX/2019 On today 's date, I received a telephone call from a XXXX  at the XXXX XXXX XXXX XXXX XXXX at XXXX, ext. XXXX. XXXX asked if I was ( stated my name ). I said yes. He advised that I was not the person that called him a few minutes ago. He inquired if I talked to him about two minutes ago. I stated no. I learned that the XXXX XXXX at XXXX attempted to get information about my loan and XXXX recognized that something was misaligned. He disconnected the call and made contact with me. During this conversation, I learned that the XXXX XXXX XXXX was NOT a part of the US Department of Education which I was lead to believe they were. I had received numerous calls from these people advising that I was a veteran and I must not let my loans default because it could be financially devastating. I end up paying these people {$720.00} to consolidate my loan which XXXX stated I did not need to. As a student and veteran, the Dept of Veteran Affairs and I could have done it myself. I want my money back and believe these people should not make nuisance calls wearing veterans or anyone down about defaulting on their loans. I believe their tactics are definitely predatory. I want to be reimbursed {$720.00}.
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that the credit bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that the credit bureaus decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXXXXXX Balance {$740.00} ; XXXX, XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX  XXXX Balance Owed : {$1500.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX  XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/2022 XXXX XXXX Inquiry Date XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX Inquiry Date XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX  XX/XX/2022 ; XXXX Inquiry Date XX/XX/2022 ; XXXX XXXX  XX/XX/2022 ; XXXX XXXX XX/XX/2022
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/XXXX I sent in a dispute letter to XXXX XXXX XXXX and all 3 credit bureaus and didn't receive a response in over 35 days. On XX/XX/XXXX I sent a second dispute letter to XXXX XXXX XXXX and Equifax credit bureau regarding a collection/charge-off that was opened in XXXX. Equifax is still the only credit bureau listed on my credit report while XXXX and XXXX has since deleted this collection/charge-off from my report the first time around. It is well over 30 days again and the account still has hasn't been updated or removed.
Complaint sub-issue: Their investigation did not fix an error on your report

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX Balance {$3400.00} XXXX XXXXXXXX Balance {$15000.00}
Complaint sub-issue: Information belongs to someone else

This is a second request as I have not received anything. But these creditors are not mine.
Complaint sub-issue: Investigation took more than 30 days

I challenge the reporting practices of Equifax. Ive sent them letters disputing four companies. Equifax failed to mark these items disputed and failed to respond to 3 of 4 within 30 days with information that was requested by me. The main reason I feel they didnt follow the law is because I reached out to those four companies first and none of them reached out to Equifax or the other two major reporting agencies to mark these items disputed or provide information of proof to me. 

I sent out a letter providing my side to CFPB which included what I believe to be evidence that Equifax and these companies did not follow protocol. I never received a complaint number, but did receive a email from CFPB to call regarding this issue. I reached out two times by phone but none of the agents were aware of this particular situation.
Complaint sub-issue: Was not notified of investigation status or results

I have a Charge-Off with XXXX XXXX XXXX XXXX XXXX, a late payment with XXXX XXXXXXXX XXXX and a collection that I have been disputing with the bureaus since XX/XX/XXXX. For this timeframe, they have not removed the accounts or done anything to help me. During my last dispute that I submitted to the bureaus on XX/XX/XXXX, the bureaus did not even acknowledge those disputes at all! Here it is XX/XX/XXXX and I am STILL waiting for responses from them.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the fair credit act XXXX  account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. states i have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish account without my written instructions XXXX/equifax/XXXX  XXXX  XXXX  XXXX {$920.00} XXXX XXXX  XXXX  acct XXXX XXXX {$6500.00} XXXX  XXXX  XXXX  acct # XXXX {$500.00} XXXX XXXX XXXX XXXX acct # XXXX {$3700.00} XXXX  acct # XXXX {$260.00}
Complaint sub-issue: Reporting company used your report improperly

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX Original Creditor : XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX  ( Original Creditor : XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft )
Complaint sub-issue: Didn't receive terms that were advertised

Hello I received an email for opening Citi priority checking account with 50,000 AAdvantage miles. I brought the email letter to the local branch and the banker confirmed that I can get the bonus after I meet the requirements. I opened the checking account and have met all the requirements, but I still didn't get the bonus after half a year.
Complaint sub-issue: Information belongs to someone else

Hi I recently contacted them to removal my hard inquires. They FAILED to provide proof these records are factual. I contacted each company they said that it was removed however the credit bureaus aren't removing them. I also have proof they requested it too be removed. I am a victim of fraud and I put a freeze on my account. Some of the inquires are wrong social security and some are over two years old. They don't want to help me because they PROFIT off bad credit and refuse to help me they keep sending me FACTUAL reports. For example XXXX pulled my credit four times and even XXXX said XXXX XXXX  did not respond so it's not my account all credit inquires should of been removed. This was in XX/XX/XXXX they still haven't removed all of my hard inquires and I sent them all th information
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act. The list lif accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX., XXXX XXXX XXXX, XXXX XXXX has violated my rights. 

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

15 U.S.C. 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may take any consumer reporting containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I find there is a XXXX Inquiry from XX/XX/2018 on my Equifax report. I didn't authorize this one. Please delete it.