Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Investigation took more than 30 days

I have sent a letter on XX/XX/2021, to all credit bureaus requesting validation of my accounts listed as derogatory. A period of 30 days had passed and I havent received any responses. I am worried that my records may influence my FICO assessments.
Complaint sub-issue: Was not notified of investigation status or results

I have contacted you regarding consumer adjustment account. I have asked for copies of documents on file and none have been provided, this account is not mine. This company is not licensed to collect debt in Illinois, and still proceeds to be reported. This has been way over 30 days multiple contacts.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Complaint sub-issue: Personal information incorrect

XXXX Dear the " '' governor '' ''. I am **XXXX  XXXX** . Today i would like to repeat my report about incorrect information that exist in my credit account. I have been trying to contact you guys to have this problem fix but never see any changes. I notice that all of the names, addresses and employment information are inaccurate. I want to assure that none of these wrong information that are not belong to me or any of my business. I have listed below all the names, addresses and employment information that need to be corrected : ************************ *NAMES REPORTED* XXXX XXXX XXXX XXXX XXXX XXXX, XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- **EMPLOYMENT INFO XXXX XXXX XXXX XXXX XXXX ****ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX!!!!!!!
Complaint sub-issue: Problem with customer service

In XXXX I enrolled in a XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I completed 5 years of my masters as a full time student and than was involved in an XXXX. Left with a XXXX XXXX I was unable to finish and obtain my license to make money. My student loans ( XXXX XXXX, XXXX and plus loans went into default ). 

I was granted XXXX XXXX According to XXXX- XXXX onset XX/XX/XXXX, date of entitlement- XX/XX/XXXX - medical review XX/XX/XXXX with a 3 year review status The treasury did a TOP offset to my check for $ XXXX. 

***Social security administratioXXXX NEVER reviewed meIN 3 years instead they forwarded me a letter that : *** I DID NOT NEED TO BE REVIEWED. 

It is now 7 YEARS LATER. 

According to XXXX discharge form with NELNET,- with a XXXX year NO REVIEW, I can ask that my loans be discharged. 

I forwarded NELNET the letter of no review needed by SSA. 

NELNET declined my TPD due to SSA having me listed as 3 year review! 

HOW DO I GET SSA TO CHANGE MY REVIEW LETTER TO 5-7 YEARS SO NELNET WILL APPROVE THE TPD DISCHARGE? 
I am currently still receiving XXXX  - XXXX XXXX XXXX. 

Sincerely, XXXX XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I checked my credit report and noticed inquires that were not authorized by me. I contacted the companies and the issue was not resolved over the phone.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a dispute certified mail dated     XXXX   XXXX  , 2017  r egarding erroneous reporting on my Equifax Credit Report ; with a Creditor. I referenced the account number listed on the Equifax Report for an "  Unverified  Account. '' I had    XXXX     accounts total reporting from this  Creditor and three  of those were an asset to my credit report, and were validated as mine. Equifax erroneously removed ALL four causing a very detrimental affect to my credit score and reporting. Removing   XXXX   good standing accounts, shortening my length of open credit and good pay history ; this was a poor decision of Equifax . One of the three  accounts is one that I am still paying on faithfully without  one  missed or late payment for the past seven years. " Deleted ''. The other two were paid in full account with no late or missed payments. " Deleted. '' Only one which was negative did I dispute and it was removed.     When I got the update in the mail, dated,     XXXX   XXXX  , 2017    , I immediately contacted Equifax for correction. When calling I received a very rude and insensitive representative that continued to tell me that I disputed the accounts and when referencing the dispute letter I sent she said, well you need to contact the Creditor ; after not being able to justify the error.     The  Creditor  is saying we need copies of the report and we may not be able to assist you with the paid off closed accounts, but the open one that your still paying on we can research. This is time consuming, and unfair. This seems intentional and no one is willing to help as I am in the middle of credit crisis and financial investments  may  fail.
Complaint sub-issue: Investigation took more than 30 days

In XXXX and XXXX of 2021, I filed a dispute with this credit bureau about UNVERIFIED COLLECTION ACCOUNT on my credit report : XXXX XXXX Account number XXXX. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this companythis account as of today. Thank you
Complaint sub-issue: Account information incorrect

I have accounts and loans that are incorrect and some false on my credit report. I have addresses that are wrong and are on my credit e history. I have accounts and information that are fraudulent and are still on my credit report. I have not authorized any company to give out my information. I have disputed and reached out to these credit bureaus but have not have it removed. This is defamation of character and I can not financially take care of my family due to lack of funds and trust from lenders.
Complaint sub-issue: Didn't receive enough information to verify debt

There is a new collection that appeared on my credit file which I do not owe XXXX XXXX, this is false information, please help
Complaint sub-issue: Information belongs to someone else

Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. 

These unauthorized/fraud inquiries have been the reason for my credit denial and hardship. 

I found I was not the one who authorized this inquiry, I'm asking that that be removed immediatelyfrom my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 

If you find that I am in error, then please send me proof of.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/2020 Dear : Consumer Financial Protection Bureau ( CFPB ) I am writing to inform you of unfair credit and debt reporting from the three credit bureaus. 

It is seemingly harder to dispute unfair credit and debt reporting online and through their mobile Applications ( Apps ). With recurring and repeated erroneous data keep coming back with no proof besides the words of the creditors who have charged off. Unscrupulous Debt collections are just adding to credit reports without writing letters that is a requirement for the Fair Debt to dispute within 30 days nor providing why it was placed on your credit report. According to Federal Trade Commission Under the FCRA, both the credit reporting company and the information provider ( that is, the person, company, or organization that provides information about you to a consumer reporting company ) are responsible for correcting inaccurate or incomplete information in your report. To take full advantage of your rights under this law, contact the credit reporting company and the information provider. All three credit bureaus are just taking the creditors word and providing proof and lawful evidence to the consumer and reinstating Incomplete, Outdated, Unverified, and inaccurate data. 
I have asked for a letter asking the credit bureaus for the proof of signed documents or electronic signatures that support the hard inquires. Proof that debt collectors are licensed to practice in the state of Illinois, authorization to collect and provide legal evidence that they are the true owners or purchasers of the outdated debt and the statute of limitations for the state has passed. The Credit Bureaus have not replied or sent irrelevant information and kept the erroneous information on my credit report. 
In addition, they are reporting inaccurate disparate credit usage amounts and data before payment dates are due by the creditor. 
Late Payments Collections Foreclosures Inaccuracies Unverified Inquiries Charge Offs Incomplete data Outdated and Statute of Limitations has expired
Complaint sub-issue: Information belongs to someone else

I never applied for any medical service. I am a victim of identity theft.
Complaint sub-issue: Information belongs to someone else

A few months ago, I was placed into baker act into a local hospital in XXXX, Florida. XXXX hospital I was being treated involuntary for an XXXX XXXX in the XXXX  Unit. During this time someone had applied for a XXXX XXXX card in my name, and utilized it to make multiple transactions. XXXX XXXX is attempting to collect the account dues after receiving information that I had mailed over. I had certified a letter over to the company and fax over information relating to the fraud report. They had said they would look into it and never heard from them again. They keep reporting to credit bureau the account active and with a balance conditioning it as " late '' and " delinquent '' negatively affecting my credit score. Around that time a company called, XXXX XXXX XXXX, also reported a credit card with a balance, I called them and report that the account was fraudulent. XXXX XXXX XXXX closed the account and sent a letter to me notifying that the account creation was unauthorized and the charges were not obligated. They removed the account from my credit report that had been shown as " late. '' Unfortunately XXXX XXXX has failed to do that.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Good day I made a purchase for several item which was never received when the company ( macy ) state that they ship my item in XXXX of 2021 the item was never delivered I called the company and they only replace the earrings but tge necklist was never replaced I keep calling macy resolve the problem and the send me an email in XXXX saying that they are on able to resolve my issue and I have to pay for the backlist I call again in XXXX XXXX and a new dispute was open and as of now they can not resolve the issue but they can report none payment to the credit department which is affecting my credit score and they are charging interested rate every month to the item total I pay the interest rate up to XXXX of last year then I just call and close my account last year because I got frustrated and Im getting XXXX  because I dont know how to resolve this
Complaint sub-issue: Old information reappears or never goes away

ON XX/XX/22 ASKED AGENT TO VERIFY WHAT BUISNESS THEY WERE AND HOW I OWED THEM MONEY WHEN I NEVER DONE BUISNESS WITH THEM. AGENT WOULD NOT EXPLAIN HER COMPANIES REASON FOR CONTINUALLY REPORTING THAT I WAS DELIQUENT ON PAYMENTS THAT I NEVER SET WITH THEM. SHE CONTINUED TO WANT ME TO TELL HER MY SOCIAL SECRUITY NUMBER. THIS IS A 2ND OR 3RD PARTY DEBT COLLECTOR OF A DEBT OLDER THAN 5 YEARS. I HAVE NEVER SET PAYMENTS WITH THEM AND OTHER THAN ABOVE DATE NEVER SPOKE WITH THEM. THEY CONTINUE EVERY 3 MONTHS TO REPORT TO MY CREDIT REPORT THAT I HAVE LATE PAYMENTS. PLEASE STOP THEM FROM REPORTING ON MY CREDIT WHEN I DON'T HAVE BUISNESS WITH THEM.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$84.00} XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX {$5400.00} XXXX/XXXX  XXXX XXXX {$1300.00} XXXX XXXX  XXXX This is a FCRA law violation. I was never late. 
XXXX XXXX XXXX {$41000.00} This is a FCRA law violation. I was never late. 
XXXX XXXX  XXXX {$96000.00} This is a FCRA law violation. I was never late. 
Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from my credit report. 
FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Complaint sub-issue: Didn't receive enough information to verify debt

I stopped paying discover student loans because i couldnt afford it. For 5 years I tried working with discover and attempt to lower payments. I was living paycheck to paycheck and only paying down interest. Student loans are a scam. I stopped paying because they refused to lower my monthly payments. I ignored their phone calls and contacted an attorney. Now Im getting letters that it was sold to a debt collector and i was never notified. In addition, I have never received any communication from XXXX XXXX, the debt collection company, to make arrangements or figure something out. Now they reported it to the credit bureaus and my credit score dropped 30 points because of it. This is just XXXX. I want my credit restored.
Complaint sub-issue: Information belongs to someone else

" " '' I have disputed this charge off on this XXXX XXXX   XXXX XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Complaint sub-issue: Information belongs to someone else

The following accounts are being disputed due to identity theft and for that reason I'll like for the credit reporting agencies to remove these unauthorized accounts immediately. 

Please remove. 

1 ) XXXX XXXX XXXX {$150.00} 2 ) XXXX XXXX  {$550.00}
Complaint sub-issue: Information belongs to someone else

Open Date XX/XX/2018 XXXX {$89.00} XXXX XXXX  XXXX Let a person open a account in my name and XXXX XXXX  XXXX sent a credit card to a PO Box this account is not my account at all, I did not no this company had existed, Sending a card to a PO Box is a red flag but no this company sent the card anyway to a PO Box that I do not own, also they told me another address when I talked to them that I never lived at both address was never my address I never lived there, and the phone number they gave me was never my phone number NOTHING MATCHES ME, this account needs to be removed asap/immediately from all 4 credit reporting agency and my credit report or me and my team will take legal actions. I have no idea who this company is. I have filed all necessary complaints.
Complaint sub-issue: Their investigation did not fix an error on your report

We need to reopen Complaint ID XXXX that was prematurely closed in error. I received a written statement from Equifax that contradicts their response to the stated Complaint. We have never received an explanation of the debt claims and the statute of limitations has passed.
Complaint sub-issue: Funds not handled or disbursed as instructed

I opened an account with Key Bank on XX/XX/XXXX because of a promo that they were running in which I was to get {$200.00} if I had my check direct deposited. I arranged to have my XXXX check deposited and on XX/XX/XXXX it was deposited into my account. 
On XX/XX/XXXX I contacted the bank and was told that the money would be in my account on XX/XX/XXXX at XXXX. I checked my account at XXXX XXXX XXXX XXXX and the money was not in my account. 
I contacted the bank and they told to me to contact the head office and they gave me an XXXX number to call. I called that number and after an hour they told me that I was not eligible for the money. 
When I opened the account I was told that the only thing I needed to do was to have direct deposit within 60 days, which I did. After I was on the phone for an hour they told me to go to the branch that I opened the account at. 
I went to the branch that I opened the account at, located at XXXX XXXX XXXX, XXXX, NY XXXX and they told me I did n't qualify for the {$200.00} because I had a negative balance in my account. I was never told that I had to maintain any amount in my account in order to get the money, other than to have a direct deposit set up. 
The card that I was sent by the bank in order to get the {$200.00} only stated that I needed to have direct deposit set up within 60 days. 
It seems to me that they just do n't want to pay out the monies that they said they were going to do. They have told me that the monies would be there no problem and then when it came time for it to be in my account it was never deposited. From talking to other people I 'm not the only one that they have not paid when it came time to do so. 
The only thing I am asking for is for them to honor their word and put the monies into my account. 

Sincerely ; XXXX XXXX XXXX, NY XXXX
Complaint sub-issue: Account status incorrect

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has 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 inquiries that are reporting on my Credit Reports : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Have no knowledge of these company running my credit report.
Complaint sub-issue: Debt is not mine

My ex husband purchased a boat, but it was done as a joint loan acount in XXXX when we were still married. We divorced in XXXX and divorce papers stipulate ex husband was keeping the boat and the loan attached to it. I moved and had no possession of or contact with the boat again. However, his credit was not good enough and he was unable to ever refinance it into his name and remove my name from the loan. He then stopped paying on the boat loan with Bank of the West and had the boat repossessed by them. They sold the boat to someone else but at a loss over how much the exhusband still owed. They then listed the amount of their loss on my credit report as a derogatory account and amount still owed them. The ex husband then filed bankruptcy and had it removed/discharged from his record. However, they then sent ME to collections for their lost money ( over a boat I never had ). 

The collections information is below, XXXX from Bank of the West. I received a letter from XXXX and I sent them in copies of my divorce papers showing the debt did not belong to me, requesting it get removed. However it has remained on my credit report. Initially it was {$18000.00}. A few months ago they increased it to {$23000.00}, not sure why. I do not believe in bankruptcy and do not want a bankruptcy on my record. I do not want to have to file bankruptcy over a collection item that clearly does not belong to me.They repossessed the boat and got their property back. They discharged the debt in court when the Ex filed bankruptcy on it. There is absolutely no reason their " loss '' should still be causing me credit problems XXXX years later. 

XXXX XXXXBANK OF THE WESTXXXX, XXXX $ XXXX DetailsLast Reported XXXX XXXX, XXXX Agency XXXX XXXXOriginal Creditor BANK OF THE WESTStatus OpenOpened Date XXXX XXXX, XXXX Date -- Responsibility Individual Account. 
Balance $ XXXX Balance $ XXXX Consumer disputes this account information
Complaint sub-issue: Debt was paid

upon researching my credit report, i noticed an agency that i had never heard of nor conducted a contract with had reported to my file that i owed them money on behalf of a debt of mine that they received through an old bill collector. i contacted this bill collector who i had a previous contract with and asked for the contents on the debt i owed to them. This information was received and indicated that the party on my credit file was not collecting on behalf of the original party of whom i contracted with. i then notified the original party that i have been made aware that by debt to them was paid by a third party that i do not know but is claiming to own my debt. It is clear that i no longer owe this debt to them and they are to reflect my account with them as so, they refused. also i would like the account of the third party who unlawfully collected my personal information from someone not myself to be removed from my file. I never contacted this company directly neither have they to me therefore no legal contract between us can be shown. if they have one they must present it. also these companies or any other for that matter have received permissible purpose to report anything to my personal credit file.
Complaint sub-issue: Reporting company used your report improperly

I did not sign any contracts with them
Complaint sub-issue: Cashing a check

A Check was written to  XXXX   XXXX   XXXX  on  XXXX   XXXX ,    2017 a nd  XXXX   XXXX ,    2017 in  the amount of {$4000.00} and {$2000.00}. He forged my signature. The {$4000.00} check was not endorsed on the back and cashed. The {$2000.00} check was not. Citibank said they called me to let me know there was suspicious activity but could n't get a hold of me and Citibank pushed the check through anyway, even though it was suspicious. They refuse to give back my {$4000.00} when Citibank was negligent and they said it was my fault for not checking my account within 30 days. The police said it sounds like an inside job.