Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

The Credit Bureaus never did a proper " Investigation '' according to the FCRA The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

This did not occur. 

Also, they violated my rights even further. In accordance with the Fair Credit Reporting, 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 Date is inaccurate, Balance amount is inaccurate, Last reported date is not accurate, Last active date is inaccurate, and Last date of payment? 

This is evidence that this account from XXXX XXXX - XXXX needs to be deleted! 

I sent in proof that I was never late and XXXX XXXX never check their account system nor used the proper date to claim I was late. 

So I have some questions for the Credit Bureaus... 

1. How did you verify that I was late? 
2. Did you call them? 
3. What date was I late? 
4. According to the FCRA, I need the supporting documents ( 2nd request ) They also violated the law 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 authorization. I did NOT give anyone written instructions
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Contacting y'all back about case XXXX like I say I did contact XXXX, XXXX and your agent from cash app told me that y'all already made a dispute for XXXX XXXX  and case number was XXXX.
Complaint sub-issue: Investigation took more than 30 days

I submitted a dispute in regards to inaccurate information in my credit report.
Complaint sub-issue: Debt is not yours

My name is XXXX XXXX, I am a previous resident at the XXXX in XXXX Maryland. I wanted to reach out to you due to receiving a call from a collections agency. During the call from the collection agency, they stated that my wife and I owe {$3700.00} due to unpaid rent. When I inquired on our move out date from the XXXX   they informed me that we move on XX/XX/XXXX, which is incorrect. I have attached a copy of an email that was sent to the XXXX informing your team that we would be moving out on XX/XX/XXXX, which we turned in keys and garage door openers on XX/XX/XXXX at XXXX XXXX. During this time our lease agreement had expired and we were on a month to monthly rental agreement. After sending the attached email my wife received a call from you was she informed you that I had been laid off and we could no longer afford the rent payment. On XX/XX/XXXX, I submitted the prorated rental payment of {$1100.00}, due to us moving out on the XXXX of the month. Per the XXXX county housing code, if you have a loss of income you have the ability to submit a 30 days notice. I have also attached another email stating that your maintenance team changed the locks on the unit on XX/XX/XXXX. I have attached several supporting documents that should clear up the errors and time that we moved from the apartment and also that we do not owe the XXXX any rent. The property management company can not provide a signed lease. They can not provide a reason why I was charged for the additional month and a half.
Complaint sub-issue: You never received your bill or did not know a payment was due

My original bank ( BBVA ) was acquired by PNC and the info on file did not transfer over correctly, which has left me without access to my account. I was told by a rep that there is NO credit card account under my ss number. I know this to be incorrect so I had been making payments via paper statements. Once those stopped coming in, I went to a physical bank location and was told that the SS # on file did not match mine. I submitted a copy of my ss card, as directed by the bank mgr, but it appears that my credit had been rerun on XX/XX/22 WITHOUT MY APPROVAL. Months later and the issue has not been resolved and I still do not have access to pay my account. 
Due to all this, I have not been able to make my payment. I have no physical way of paying, it was not due to lack of trying. My account is currently showing as late but this issue lies with the bank.
Complaint sub-issue: Reporting company used your report improperly

15 u.s.c 1681 section 602 a.i have the right to privacy 15 u.s.c 1681 section 604 a section 2 ; it aslo state a consumer reportion agency can not furnish a account without my written instruction
Complaint sub-issue: Reporting company used your report improperly

XX/XX/XXXX I received an alert from XXXX XXXX regarding an account open requesting me to validate. Clearly it was not mine so I filed a complain with XXXX XXXX  who provided a loan of more than $ XXXX to purchase a car, file XXXX  police reports one in SC and another one in NC were the crime took place and same day I freeze all my credit reports with the 3 companies, and place fraud alerts. On XX/XX/XXXX I receive an e mail alert at XXXX from my XXXX XXXX lettings me know that they have block an inquiry with XXXX XXXX. On XX/XX/XXXX I call XXXXXXXX XXXX XXXX as recommended by XXXX to ensure they had not provided any credit. 
I provided the background but here is the reason of my complaint. On XX/XX/XXXX at XXXX I received an e mail from Equifax letting me know that my e mail account had been changed. I called them immediately, as I tried to access my web services with my previous credentials without success, the CSR on the phone help me correct the situation, I question them HOW can it be so easy for anyone to change this type of information, she even provided me the reference of the phone number that called XXXX XXXX XXXX to make the changes. When she reestablished my account I notice that my credit report was unfreeze, so clearly Equifax doesn't have controls to protect our information. They only offer to have better protection was to buy there security services for {$4.00} per month " Good way to force the consumer ". I called Monday XX/XX/XXXX to file a complain and I couldn't because they don't have any records of this situation in their system? really? does this means that Equifax employees and involved in Identify Theft?. It gets better, the fraudulent bank account is not in my report anymore with them, but the bank hasn't clear it yet, how is this possible? I have like XXXX  hard inquiries on this issue that I have dispute more then 3 times on line and over the phone that they reject regardless that I have police reports. The other 2 companies are no different. BTW once I paid for the services, when I call they did now authenticate me with Biometrics and ask for ID. I really need help, I know doing the right thing is never easy, but it shouldn't be this difficult. I have spent more than 40 hours on this issues with all the government agencies involved.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

XX/XX/19 I ordered a product from XXXX via third party vendor for {$130.00} Order #  XXXX contacted XXXX when i didn't receive the item by the due by date and the tracking said the item was returned. XXXX said since it was a third party i would need to contact them. I contacted the seller and they gave me a new tracking number one day later. After a week and still not receiving the product I contacted the seller again but they said its been delivered and then proceeds to ignore all future messages. XX/XX/19 I disputed this transaction with Discover as Item not received Dispute # XXXX. Discover after 30 days denied my dispute saying that XXXX provided tracking and its valid, I appealed the decission and provided screen shots from XXXX site they asked for but discover said it didn't matter. i still havent recieved this item. It seems discover has a know reputaion of siding with the seller in dispute cases from reading reviews. However, XXXX site indicated that this item was undeliverable and i would be refunded.
Complaint sub-issue: Their investigation did not fix an error on your report

After sending out multiple letters attempting to receive a response and have the information on my credit report updated correctly, I am being ignored and not given any correspondence from the bureau. I understand they have 30 days to complete their investigation and as of yet I have not received information in the mail and also I have not had the items changed to the correct status. I am very distressed and in need of some correspondence. I sent letters on XX/XX/20 and after not receiving any results I followed up with an additional letter XX/XX/20. It is now XXXX and I have heard nothing. I will be sending out another letter to attempt to have these erroneous items addressed and hope to receive a response and corrections. I will also attach the letter I am sending today. Thank you.
Complaint sub-issue: Attempted to collect wrong amount

this account just open XX/XX/2019 ( 2 mos ) Account status Open Type I have no idea where this come from but i have Identity death I am thinking that's what i am happened they have my police rapport
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Ive received 2 unauthorized credit card in the mail and one letter from Best Buy saying that I applied for their card and I did no such thing! I am extremely stressed and am really trying to build my personal credit and have not made most of these inquires!
Complaint sub-issue: Account status incorrect

The account status on this account is incorrect. This account is too old to remain on my credit file. The date of the last activity is over 7 years old. The account I am disputing is : Account : XXXX XXXX XXXX XXXX Balance : {$8900.00}
Complaint sub-issue: Didn't receive terms that were advertised

I opened a new checking and savings account with Citibank due to their advertisement of a {$400.00} bonus for opening the new accounts. I have received confirmation that I qualify for the bonus but Citi is refusing to fund my account with the bonus. I have attached a copy of the letter confirming that Citi acknowledges that the bonus requirements have been met.
Complaint sub-issue: Account information incorrect

I have a collection on my XXXX credit report from XXXX XXXX. I previously had XXXX for my TV and internet service. Upon cancelling my service I returned all equipment and paid account in full. The collection on my credit report is not accurate and should be removed.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$990.00} ; XXXX  XXXX Balance : {$220.00} ; XXXX XXXXXXXX Balance : {$110.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$710.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX MO XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX MO XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

This phone bill I never received a original bill to even pay this
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX, I submitted a complaint number XXXX against CITI BANK. I opened a dispute last year against XXXX XXXX XXXX for {$1200.00} which was a partial hold of the original amuont {$2200.00}. I then took the case to small courts claim at XXXX County General District case. The judge advised the merchant to give me a partial refund of the {$1200.00} and in return I was asked to close the dispute to make the {$1200.00} available to the merchant. The {$1200.00} was posted on my account as PAID to " XXXX XXXXXXXX XXXX XXXX XXXX XXXX '' on my XX/XX/XXXX statement and I paid the total amount of the bill to CITI BANK. In late XXXX, I received a letter dated " XX/XX/XXXX '' confirming the dispute was actually closed as per my request on XX/XX/XXXX and {$1200.00} was released to the merchant. One week after opening a complaint at Consumer Financial Protection Bureau I received a phone call from XXXX XXXX confirming the case was closed and she sent me a letter by mail dated XX/XX/XXXX that the {$1200.00} was paid to merchant 's bank. Yesterday, I received a notice to appear in Small Court Claims of XXXX County on XX/XX/XXXX because the merchant claims they did not receive the {$1200.00} yet plus {$910.00} in fees and interest!. If this turned to true that CITI BANK failed to pay the merchant their {$1200.00} I will proceed with suing CITI BANK for all the trouble they gave me since XX/XX/XXXX, otherwise CITI BANK has to send me the date, transaction name, merchant name and bank name to where the {$1200.00} I paid went to and when it became available to the merchant and wether it was collected by the merchant 's bank. Of note, I tried to reach out to XXXX XXXX at XXXX twice yesterday XX/XX/XXXX and left a voice mail to call me back, I have not heard back from her yet.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am in the midst of a heartbreaking pending divorce. My husband had all of the financial information and went behind my back in initiating all of this, which didn't give me any time to prepare or protect myself. Anyway, I just looked at my credit reports today and noticed several unauthorized and unfamiliar soft inquiries described as " Account Review Inquiries '' and 2 " Credit Reports. '' I would just like to know what they are and who authorized them without my permission. If it was my husband, he most likely used my SS, birth date, etc. and went behind my back yet again, to gather all my financial data. I have a suspicion that our accountant who has all of my information because he just did our taxes, helped him. 
CPA, XXXX XXXX XXXX XXXX XXXX, WA -- he would have the ability to check credit. 

I reached out to XXXX and to KEYBANK -- They were unable to see what kind of review they have procured. 

XXXX - Unfamiliar/Unauthorized Inquiries of Concern : XX/XX/2022 XXXX, XXXX. - Account Review Inquiry XX/XX/2022 XXXX  XXXX - Account Review Inquiry XX/XX/2022 XXXX XXXX  XXXX - Account Review Inquiry XX/XX/2022 KEYBANK - ( my personal bank ) CREDIT REPORT XX/XX/2022 XXXX XXXX XXXX ( potential equity loan change right before he surprised me with divorce papers )- All other Prequalifications not listed XX/XX/2022 XXXX  XXXX ( my personal credit card ) - CREDIT REPORT XXXX CREDIT REPORT : XX/XX/2022 XXXX  XXXX - It doesn't give a description other than " Requested On '' The others like XXXX XXXX XXXX XXXX ( my husband has an account ) and XXXX XXXX -- those may just be promotional inquiries. 

I'm tired of him going behind my back. Please confirm what financial entity has authorized these inquiries and what they even are! Thank you, -XXXX
Complaint sub-issue: Frequent or repeated calls

Allied Interstate, Inc. contacts our business multiple times every day in reference to a worker 's personal debt despite being advised over and over that this is a business and our workers are not allowed to take personal phone calls on business lines. These tactics include calling the direct lines of every employee which are listed on our website. The calls usually total more than 10 per day.
Complaint sub-issue: Card opened as result of identity theft or fraud

I get a c collection call from discover card and I have never split for a credit car with them, then I check my credit report and filing out that I have XXXX credit cards open on my name 1with discover card, one with XXXXl XXXX, and one with cXXXX XXXXXXXX XXXX and I never applied for credit with those credit companys and now I am in collections and my credit score is in the worst situation
Complaint sub-issue: Received bad information about your loan

I requested a refund for payments made during the pandemic in XX/XX/2022 from my servicer ( Fedloan ). The company accepted the request via phone and said that it should be completed within 60-120 days. A few weeks before the 120 day mark, I called again to confirm the request had been received and request a status update. The representative said the request was in the system and that XX/XX/XXXX would mark the end of the waiting period and if I didnt hear anything by then, to call back. 

On XX/XX/XXXX, still without any refund or update, I called again only for the automated system to tell me that my account had been transferred to XXXX. Now, the company has failed to provide the refund as per federal policy, has not provided me with any written confirmation or update on my request, transferred me to another company without notifying me, and has not provided information about how my request is being handled in the midst of the transfer - and Im at a loss of what to do, given that both companies are giving customers different answers about how were supposed to proceed.
Complaint sub-issue: Debt was result of identity theft

I spoke with this company on many occasions and filled out many forms and affidavits and for the past year they have been reporting on my credit reports that the debt is owed and when I file a dispute with the credit reporting agencys they delete it and then a few weeks later the same exact debt is back on my credit reports because this company ( Discover card ) keeps reporting the debt as owed when its not owed and does not belong to me.
Complaint sub-issue: Trouble with how payments are being handled

I have been paying back student loans with Nelnet for years. However, in XX/XX/2018 they changed their policies and applied my payments to interest and principal on only one group of loans, instead of both. This made it look like I was paying down much more of the principal according to tax documents filed, and paying less interest than that which was actually accruing. 

But according to their policy, the interest continued to accrue on the other set of loans on the order of over {$2300.00} that year. So, while I paid about {$5000.00} last year into the account, it looks like I only paid interest of {$810.00}. This is simply not true, since the interest continued to build up, they just reapplied it back into the principal. Essentially, I am now POORER because I can not deduct the amount of interest I actually was supposed to be paying all along on my taxes. They claim it helps to pay off my loans more quickly, but that is not true, since both groups of loans have the exact same interest rate, and interest continued to build on the other account, but their policy in place did not apply my monthly payments to that account 's interest. 

This is a terrible policy that ultimately could make a lot of other borrowers poorer in the long run, like myself. This should not happen, and in fact, represents negligent business and loan practices. They told me they could not amend my 1098 E until next year, but the limit is {$2500.00} for interest per year, so even next year, I will not get the benefit of the full tax deduction that should have been in place this tax year. This kind of financial action should be illegal, if it is not already. Please save others from such a fate.
Complaint sub-issue: Their investigation did not fix an error on your report

I am extremely concerned about the actions credit bureaus are having on my life ... I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction ... I do not own the following accounts XXXX/XXXX   XXXXXXXX, XXXX  XXXXXXXX, XXXX XXXXXXXX, XXXX/XXXX   XXXXXXXX, XXXX XXXXXXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX reports an incorrect debt collection to the Credit Reporting Agencies (CRAs) with an open date ofXX/XX/XXXX. This is an invalid debt collection, and an invalid date, and it needs to be removed from my credit reports immediately.I have tried to resolve this issue with XXXX XXXX multiple times via phone calls (XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX), emails (XX/XX/XXXX and XX/XX/XXXX), and written letters (XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX). XXXX XXXX continuing to report this inaccurate debt collection has directly led to me being denied for credit cards XX/XX/XXXX), auto loans (XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX), and has increased car insurance quotes (XX/XX/XXXX).XXXX XXXX claims that I was refunded $XXXX on XX/XX/XXXX and another $XXXX on XX/XX/XXXX. I refuted this claim by sending XXXX XXXX my XXXX and XXXX bank account statements proving that 1) there was a $XXXX  withdraw from XXXX XXXX and 2) I never received the $XXXX in return to my bank account on or around XX/XX/XXXX orXX/XX/XXXX. In addition, XXXX XXXX XXXX claims that I received receipts for two separate $XXXX returns onXX/XX/XXXX. I again supplied XXXX XXXX XXXX with my XXXX bank account statement proving once again that I never received these returns on or around XX/XX/XXXX.Lastly, XXXX XXXX XXXX also inaccurately reports the date this inaccurate collection. They claim a date ofXX/XX/XXXX. The last instance I was even at XXXX XXXX was XX/XX/XXXX. That is 13 months earlier than the date they are reporting to the CRAs.In addition, I have tried resolving this with Equifax, XXXX, and XXXX. I have sent all three CRAs my bank statements clearly proving that this XXXX XXXX debt collection is completely inaccurate and needs to be removed IMMEDIATELY from all of my credit reports.Attached you will find screenshots of my bank statements proving that I absolutely paid the $XXXX and a definitely NEVER received a $XXXX. XXXX XXXX's debt collection needs to be removed from my Credit Reports immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be updated and corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed items will be updated immediately : XXXX 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 XXXXXXXX XX/XX/XXXX