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

I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( XXXX, XXXX  and Equifax ) on/around XX/XX/2020 and a second request was sent via certified mail on XX/XX/2020. 
In my letter sent and received by XXXX, XXXX  and Equifax I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been over 4 months from my first written request and more than 3 months since my second written request and I still have not received any responses.
Complaint sub-issue: Didn't receive enough information to verify debt

I called Citibank to notify them my husband has passed away, I would apply for a card in my name, approximate date XX/XX/2018. I was assured a final statement would be mailed to the home, same address for 27 years. I advised them the card was set up as " paperless statements '' with auto pay account in full each month. By XX/XX/2018 no correspondence or attempt to reach me by telephone to let me know the account was past due and sent to collections. My checking account indicates the amount to be debited on XX/XX/XXXX was not drawn by Citibank, therefore the card is delinquent. I have talked to a total of 7 customer service representatives, I have been disconnected, not provided with thorough accurate instructions on how to settle this account. I want late fees, interest and charges against my credit rating rescinded and I want to pay outstanding amount due. The resulting interaction with Citibank has consumed a minimum of two hours of my time with no result other than failed attempts at a resolution. Without a final statement how can I not prove there are unauthorized charges on the XXXX?
Complaint sub-issue: Their investigation did not fix an error on your report

The credit report agencies are all reporting and interpreting my students loans as late. I have been on a Income Driven Plan before and during the Pandemic. The reports show for a consecutive year of late payments of {$0.00}. 

My student loan accounts are in good standing with all my XXXX accounts
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I contacted XXXX directly in regards to an alleged debt appearing on my credit report. This third-party, wholesale, collections company had appeared and before been removed from my XXXX and XXXX ; as they are perpetrating a debt that 1 ) is not a debt which belongs to myself and 2 ) every time they appear they have re-aged the alleged debt to a more current " open date '' thereby in violation of the Fair Debt Collection Practices Act. 

This has been found to be an erroneous collections practice and unverifiable. Utilizing ethically and legally questionable behaviors in an attempt to collect a debt to which there is non owed. 

XXXX  was informed of this behavior and asked to investigate the alleged debt to provide proof of ownership and accuracy in reporting ( e.g. age of alleged debt ). 

Within the allowed time, XXXX reported a response that the debt had been verified and would remain. XXXX and it's representatives refused to provide any details regarding in what manner the alleged debt had been verified ; additionally the representative refused to forward a request for my complete consumer disclosure file under FCRA Section 609 ( a ) ( 1 ).

To this end, I am requesting the assistance of the CFPB to hold XXXX to task as well as the below referenced collections agency : EOS CCA XXXX XXXX XX/XX/XXXX {$490.00} {$490.00} XXXX XXXX XXXX XXXX, MA XXXX Warm Regards, XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$2700.00} XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX {$1200.00}
Complaint sub-issue: Account status incorrect

I was in default with student loans. We fell on hard times and until recently I couldn't pay. On XX/XX/XXXX I was able to pay my balance in full which was agreed to by PHEAA/AESthrough XXXX XXXX. We settled on everything minus the fees from XXXX. PHEAA/AES is still reporting to the credit bureau that the loans are still in charge off/collections and default. They told me that they will continue to report to the credit bureau that it is in charge off/collections for another 4 years because I made a 1 time payment and didn't do their loan rehabilitation payment program. We are trying to pay off debt in hopes of eventually buying a house. The fact that I am being punished for paying my debt in one payment is absolutely ridiculous and wrong. I want these marked as paid/current and then removed from my credit reports. I have disputed with the credit bureau and PHEAA/AES keeps claiming its resolved - customer disagrees.
Complaint sub-issue: Account status incorrect

I have sent several letters to the credit bureau asking to have student loan that was paid removed from my credit report this has not been or corrected and I don't believe it was investigated because I called the Board of Education and the Debtor myself only to be told that I do not have an account in default with them. I am also in school and have checked the status of those loans and they are in deferment I have sent several request only to get the same response please help
Complaint sub-issue: Information belongs to someone else

In XXXX of 2022, someone hit my credit report with XXXX hard inquiries and was able to get approved for a credit card with a {$10000.00} limit with XXXX Bank. I tried to resolve the issue with XXXX. I was under the impression that we were going to close the account/card completely but they were under the impression that we were disputing a charge. After further investigation, I found that the account is still on my credit report ( its reported closed cause the individual never made a payment ). I reached back out to XXXX and they are currently doing an investigation on the account.
Complaint sub-issue: Account information incorrect

us bank is the problem i had gone in to be put on my mom 's account as a poa, they did not accept the legit paperwork but the problem is i told the branch office where i had been in the first place NOT to run my credit because i did not need a line of credit all i wanted was to be the poa for my mom, XXXX took it upon himself to run the credit report and he did not tell me. i saw it on my credit report for a XXXX line of credit, i closed that account right away i filed complaints with the credit companies explaining i never authorized this and now it has lowered my score and will stay on for several years, i have asked us bank to remove it completely from all credit bureau and they have not cooperated, i called the branch and i called the XXXX number on the credit report and nobody has responded back to me. 
us bank can not do that because i never authorized that. now they took it upon themselves not to put me as poa on my mom 's account and did this line of credit that i did not authorize and did it behind my back, i told XXXX DO NOT RUN MY CREDIT, i had no interest in a line of credit, they are not coorperating with taking this off my credit reports, us bank should be completely off my report
Complaint sub-issue: Problem with fraud alerts

Fraudulent check cashed on my checking account for XXXX dollars. Can not access my credit report and look for further fraud. Unable to speak to a live person. Unable to place fraud alert for same reason.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5700.00}, {$1800.00}, {$0.00}, {$0.00}, {$0.00}, {$2700.00}, {$1400.00}, {$0.00}, {$5100.00}, {$250.00}, {$3400.00}, {$3900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, XXXX XXXX, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

3. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2700.00} -This is not my account. 

7. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 

8. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNT 9. XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5100.00} -This is not my account. 


-- COLLECTION ACCOUNTS 10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$250.00} -This is not my account. 

11. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my account. 

12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account.
Complaint sub-issue: Reporting company used your report improperly

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

EQUIFAX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Account information incorrect

I HAVE A XXXX CREDIT CARD, ITS A XXXX XXXX CREDIT CARD ACCT # XXXX. THERE IS SOMEHOW A LATEPAYMENT ON MY CREDIT REPORT, I HAVE 100 % NEVER BEEN LATE!!
Complaint sub-issue: Reinserted previously deleted info

I have been trying to improve my credit score for 9 months now and I have disputed several things on each report that were incorrect. I notice that after they are removed that some of them are put back on ... this makes no sense!!! I also have paid and am paying on some of these accounts that they are showing and the credit bureaus do n't have the information accurate. What do I have to do to get my credit reports accurate? Please help!!!
Complaint sub-issue: Old information reappears or never goes away

Well over 2 yrs. ago a suspicious account appeared on my credit report from a collection agency, known as Enhanced Recovery. In the space listed as original creditor, it specified that it was a XXXX account. Well aware that I have never had an account through them because I have always had XXXX  XXXX and before them was XXXX XXXX, I disputed this information and it was determined that it was not mine and was erased from my credit report back in XXXX. Also, I had never received any calls, mail, or notifications from neither XXXX or this agency regarding this supposed debt, which I found to be extremely unusual. Now, as of about 5 months ago I received my monthly credit updates from my XXXX & had noticed my score had decreased & there was a new account placed on my credit file. When I logged into my account, to my surprise, I saw that it was this same collection agency referred to as Enhanced Recovery, however I noticed something was different this time. This agency had decided to fraudulently violate the Fair Credit Reporting Act by illegally re-aging this supposed account, thus stating that it was opened in XXXX, so it could place this debt back on my credit report to lengthen it's collection efforts & intentionally hurt my credit, along with my score. Also, still to this very day, I have yet to receive any communication about this debt from anyone!!!! I find it extremely unnerving that this agency has been allowed to get away with commiting so many frivolous acts. We as individuals have rights, & if the necessary steps are not taken by this company to correct their unfair practices & start obeying the law, then maybe major lawsuit against them is the next best thing to make sure that they are held liable for their actions.
Complaint sub-issue: Account information incorrect

I have items on my credit report that I would like to verify the information on. 

XXXX XXXX - Account # - XXXX XXXX - Account # - XXXX XXXX XXXXXXXX XXXX - Account # - XXXX XXXX XXXXXXXX - Account # - XXXXXXXX XXXX XXXXXXXX - Account # - XXXX XXXX - Account # - XXXXXXXX XXXX  - Account # - XXXX XXXX XXXX  - Account # - XXXX XXXX XXXX XXXX  Account # - XXXX XXXX XXXX  - Account # - XXXX XXXX - Account # - XXXXXXXX XXXX  - Account # - XXXX XXXX - Account # XXXX XXXX XXXX - Account # - XXXXXXXX XXXX - Account # - XXXX XXXX - Account # - XXXX Please also remove any inquiries that did NOT result in an account being opened.
Complaint sub-issue: Problem using a debit or ATM card

This complaint is for checking account ending in XXXX. I disputed a transaction with TCF Bank a few weeks ago. The transaction was from XX/XX/XXXX XX/XX/XXXX for {$29.00} on XX/XX/2020. I canceled my card and everything. My bank TCF declined my dispute and allowed another transaction to go thru on XX/XX/2020 from the same merchant for XXXX. This is after I canceled my card and told them I didnt authorize the first XXXX transaction. These transactions are not authorized by me. I used to have an account with the merchant, but that account has already been canceled. I really cant believe TCF will go against their customers and continue to allow unauthorized transactions after a dispute and after a canceled debit card. Its like they forced the transaction to go thru my new debit card. If this is not resolved I will take further action.
Complaint sub-issue: Received unwanted marketing or advertising

This company says, '' it's the alternative credit bureau ''. Upon their solicitation, I sent them a letter asking them to remove my name and adrress from their services/data-base. I told them I wanted to opt-out, and that I had already opted out for services, and pre-screen offers from the 3 '' major '' credit bureaus. They responded, and told me to send it in witing, I did. Now they say they need the last four digits of my social, my name, and address, ( which was on the letter, and envelope I had already sent them ). When I called to tell them just that, they said they needed my last four of social, which I don't fell they need, because I don't know them, and have never did business with them.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX/XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, US DEPT ED Account XXXX XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX  XXXX XXXX Account # XXXX , XXXX XXXX XXXX Account # XXXX, Account XXXX 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 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
Complaint sub-issue: Debt is not mine

Checking my credit report XXXX pops up for the fourth time which mean the collector kept selling this account. I never had XXXX NEVER and the last three times they had to remove it because they could n't validate it. I blasted XXXX for doing a authorized inquire, which they remove also. The fourth collector will remove it but not after selling it again. Please help. P.S. I live in a XXXX which XXXX ca n't service so how is this possible!
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$150000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- REAL ESTATE LOAN 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/2012 with a balance of {$150000.00} -This is not my account.
Complaint sub-issue: Account status incorrect

XXXX is fraudulently reporting over ten 120 day late payments on my credit ( years after account closure and FULL PAYMENT MADE ). I have called XXXX over 20 times, sent them letters and they always ignore my requests and damage my credit and financial life. Please see my attached screenshots of credit reports. XXXX has caused irreparable harm to my well being, state of mind and life in general. 

Im seeking help!!
Complaint sub-issue: Information belongs to someone else

Inquires would made without my consent. 
on XX/XX/2020 XXXX XXXX XXXX XXXX XXXX on XX/XX/2020 XXXX XXXX  on XX/XX/2020 XXXX XXXX on XX/XX/2020 XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

Im gettin really frustrated disputing with these credit bureaus, I send dispute letters off over a month ago on XX/XX/21 and still no response. Im very aware of the law and know according to the FCRA these disputes should be validated within 30 days and failure to do so gives a reason to immediately remove those items from my credit report, it has been over 40 days so they should be deleted promptly. I need this problem fixed ASAP I will not wait another 40 days to receive no response because the FCRA clearly states it is LAW to have resolution within a 30 day period. In Section 611 ( a ), of the FCRA it states that a failure to investigate these items within 30 days demand these accounts be deleted immediately or will file for litigation due to the financial damage you caused me.
Complaint sub-issue: Account status incorrect

I have an auto loan with VW CREDIT. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called VW CREDIT and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX and VW CREDIT with no successful resolution. XXXX, XXXX, XXXX only reporting me 30 days late twice. There was an error on their part. I was never 30 days late twice.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX # XXXX has lates that I should not have. I started bill pay with XXXX XXXX to pay my mortgage and I did not know that they were taking 7 days to send it. On the XX/XX/XXXXlate I went into the bank and paid it XXXX XXXX processed it like a cashier 's check which charged my bank an extra {$50.00}. All my efforts to get these lates removed have done nothing.
Complaint sub-issue: Account information incorrect

The account balance with the company deal depot is significantly higher than what is reported on my credit. I have spoken twice to account representative in reference to this without much success. I feel due to this ongoing issue the lesser amount reported on the credit should be honored
Complaint sub-issue: Their investigation did not fix an error on your report

I received a notification of a collection from XXXX  alerts. The notification indicated that I had a collections account from XXXX XXXX XXXX for {$200.00} dollars for a hospital visit covered by insurance for my daughter. 

The account and I had not received notice of a existing balance with XXXX XXXX XXXX. 

The account was paid as agreed and is still listed on my credit report
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX  are reporting incorrectly that I am 120 days past due on the XXXX   accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 15, 16 and 17 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1.  This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Complaint sub-issue: Reporting company used your report improperly

In accordance witht the Fair Credit Reporting act XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  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 a account without my written instructions.