Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account information incorrect

My last 4 of my social is XXXX. I checked my personal credit report and I noticed unauthorized inquiries had been made. So I first contacted these furnishers of the inquiries, with a few giving me the runaround who conducted these inquiries and asked them to remove their credit inquiry from my credit profile and I have gotten nowhere and this is not right. By law per the FCRA you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report. XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX. If you find the inquiries referenced above to be valid thru physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter. Also, I have attached a copy of my passport and social security card for your files. I am constantly having a hard time being able to have someone help me when I call. They asking me security questions from stuff I cant remember 2 years ago. Please put these documents in your files so it can be easy for me to talk to someone if I ever have to call again.
Complaint sub-issue: Account information incorrect

On XX/XX/2021 I applied for a personal loan and was denied 3 times from 3 different .companies.

1. First company was XXXX in the amount of {$5000.00}. They decline my application based on the credit reporting agency beacon score ( XXXX ) ( XXXX XXXX The reported score is XXXX. 

2. Second company was XXXX XXXX in the amount of {$5000.00}. They decline my application based on the credit reporting agency beacon score ( XXXX ). The reported score is XXXX. 

3. Third company was XXXX ( XXXX ) in the amount of {$5000.00}. They decline my application based on the credit reporting agency beacon score ( XXXX ) The reported score XXXX. 

above shows 3 different credit consumer bureau with 3 different scores. I have no creditors showing late or default. all payments made on time.
Complaint sub-issue: Didn't receive notice of right to dispute

ON XX/XX/2022 I FOUND OUT I WAS A VICTIM OF IDENTITY THEFT. I REPORTED THIS TO MY LOCAL POLICE AND FILED A FTC AFFIDAVIT. I CONTACTED EACH COMPANY THAT HAD REPORTED FRAUD ACCOUNTS IN XXXX. EACH ACCONT HAS BEEN CORRECTED BUT XXXX  WHICH WAS PURCHASED BY ENHANCED RECOVERY. I AM NOW AWARE THAT THIS COMPANY IS IN TOTAL VIOLATION OF NUMEROUS OF MY RIGHTS UNDER THE FCRA AS WELL AS THE USC. FOR STARTER THIS COMPANY IS IN VIOLATION OF FCRA 615 ( F ) ( 15 USC 1681M. IT IS ILLEGAL TO PURCHASE OR TRANSFER A DEBT CAUSED BY IDENTITY THEFT. THIS COMPANY IS ALSO IN VIOLATION OF 15 USC 1692G ( A ). THIS COMPANY NEVER CONTACTED ME ABOUT THIS DEBT PRIOR TO PLACING THIS DEBT ON MY CREDIT. AS A CONSUMER, I HAVE THE RIGHT TO DISPUTE A DEBT PRIOR TO IT BEING PLACED ON MY CREDIT. THIS COMPANY HAS FAILED TO FOLLOW THE STANDARD GUIDELINES OF DEBT COLLECTION AND I AM NOW SEEKING REMEDY. AS STATED, I HAVE ATTEMPTED TO RESOLVE THIS ISSUE IN XXXXXX/XX/2022. ACCORDING TO 15 USC 1681C ( 2 ) ANY COMPANY THAT FURNISHES INFORMATION TO ANY CONSUMER REPORTING AGENCY SHALL HAVE IN PLACE REASONABLE PROCEDURES TO RESPOND. THIS COMPANY HAS NOT RESPONDED TO ANYTHING. I HAVE REPORTED THIS COMPANY TO CONSUMERFINANCE.GOV AND I AM 100 % PREPARED TO SUE THIS COMPANY. UNDER 15 USC 1692K A ( 1 ) I AM ENTITLED TO ACTUAL DAMAGES SUSTAINED BY THIS COMPANY REPORTING THIS DEBT AS WELL AS ALL COURT AND LAWYER FEES. I AM AGAIN ASKING THIS COMPANY TO REMOVE THIS DEBT AND MY INFORMATION FROM THEIR DATABASE OR MYSELF AND ATTORNEY WILL PROCEED WITH COURT FILING.
Complaint sub-issue: Received bad information about your loan

On XX/XX/XXXX, I was contacted by a representative from XXXX XXXX XXXX  named XXXX ( I was informed by a woman named XXXX that XXXX later quit in XX/XX/XXXX).  XXXX informed me that his company will serve as the middle man for paying back my student loans and complete the paperwork needed for entering me into the student loan forgiveness program. I was n't getting any feedback from the XXXX XXXX XXXX so I was believing this company. In XX/XX/XXXX I began the application process which required me to give my SSN, checking account number, and loans amount. XXXX told me that I would have to pay XXXX in XX/XX/XXXX and took my check account number, and told me that the paperwork I was signing was to enter me  into the forgiveness program. Later, I received an email stating that I financed XXXX dollars. I called XXXX ( the individual who took over my case after XXXX quit ) an he stated that he would attempt to cancel my file. I have tried to reach out to the company again and no one is answering the phones.
Complaint sub-issue: Charged too much interest

Citi Card - Costco is charging Interest when I pay the Card in full each month and have no cash advances.
Complaint sub-issue: Problem lowering your monthly payments

In XX/XX/XXXX/XX/XX/XXXX of this year, I realized I could not pay the full amounts on the payments for my student loans. I applied for a PAYE arrangement and it seemed that it was granted, but the past-due balance was not updated or changed to reflect my new arrangements. I have been making monthly payments; the most that I can afford, but now I'm told that my account is delinquent.
Complaint sub-issue: Was not notified of investigation status or results

I have sent out 2-3 letter asking XXXX to verify and reinvestigate the Bankruptcy they say is accurate and also has been verified on my credit report. I have not gotten any factual proof of their investigation, yet they continue to report.
Complaint sub-issue: Debt is not yours

On XX/XX/XXXX I filed a complaint with the cfpb and this company responded quickly saying that this account would be deleted. However it is now XX/XX/XXXX and it has yet to be deleted from my credit.
Complaint sub-issue: Debt is not mine

I contacted the " original creditor '' XXXX to inquire about an apartment and filled out an application and told them not to process the application. They processed the application without my permission, I disputed the {$75.00} charge with my bank and it came back that I in deed did NOT sign off on anything and my back refunded my money after my attempts to get in contact with the company who owns the apartment to get a refund. Now they have sold this account to " rent recovery '' and it shows up on my credit report. This account is frivolous and must be removed as soon as possible or I will take legal action against XXXX and Rent Recovery
Complaint sub-issue: Trouble getting information about the card

I received my benefits on my Direct Express XX/XX/2019. At XXXX I withdrew {$250.00} from my account at an XXXX ATM. I had a balance of {$45.00} left in my account. On XX/XX/2019 at XXXX I ordered food from XXXX XXXX XXXX  XXXX for {$23.00}. that left me with a balance of {$22.00}. On XX/XX/2019 at XXXX I slid my card for some XXXX XXXX XXXX in the amount of {$8.00}. On the XXXX of XXXX when I called to check on my benefits due on that day. I was unable to check my balance and wasn't able to use my card to make purchases. I have been trying to contact Direct Express since XX/XX/2019. Direct Express has been unreachable they have not sent me anything in the mail or via email. The past couple months has been very difficult not being able to receive my benefits.
Complaint sub-issue: Was not notified of investigation status or results

I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and bankruptcy from my credit report immediately.
Complaint sub-issue: Investigation took more than 30 days

I have filed a dispute in regards to the incorrect items on my credit report. It was been well over 30 days and I haven't received any investigation results.
Complaint sub-issue: Threatened to arrest you or take you to jail if you do not pay

I got a phone call from a lady who identified herself handling my case file her and that she was about to file my case in court if I did not respond today. I did not catch her name and she did not state her company details. 

She gave a call number XXXX. 

When, I called that number, an XXXXAmerican  male answered and after confirming my identity, he went on tirade on how I came form XXXX to try to rip money off people in America. That some have been looking for me and are about to throw me in jail. 

He reconfirmed my address and that if i did not respond immediately some XXXX people are getting ready to throw me in jail. However, he was ready to help me only if I could calm down. However, since I could not get him to state who he really happens to be or who his employer is, except to say that I owe money to XXXX XXXX who has been looking for me everywhere and were coming for me right away, I had no no choice but to hang up.
Complaint sub-issue: Investigation took more than 30 days

I hope you can help with the issues I am having with the credit bureaus. Back in XXXX I sent in disputes to the credit and I havent received anything from them. Here is a list of what need to come off my report. 
XXXX XXXX ( XXXX ) is over 7 years old and needs to be remove XXXX XXXX XXXX XXXX ( XXXX ) this is not my account XXXX XXXX XXXX ( XXXX ) is 7 years old and needs to be remove XXXX XXXX XXXX ( XXXX ) this is 7 years and needs to be remove. 

I have attached copies of the disputes from XXXX too. 
These things should already be off my report I dont understand why are they still on there after I disputed them.
Complaint sub-issue: Reporting company used your report improperly

I have spoken to reps at the 3 major credit reporting agencies regarding my consumer file and the access I want them to have. Each one has told me they will NOT be removing the negative items I requested. I have sent notices via certified mail DEMANDING the changes be updated to no avail. Within the " fine print '' of all of these companies they state they will not furnish personal information without the consumers consent yet, they continue to do so. Per 15 USC 1681e ( b ) only I, the consumer, can verify what information should be on my consumer report. 

In light of the recent and ongoing lawsuits with these companies I DEMAND all requests be adhered to quickly and without continuous verbal assault from them. This is causing mental anguish and XXXX  due to how I am being perceived due to these negative items.
Complaint sub-issue: Attempted to collect wrong amount

A few years ago I received a traffic ticket, and the ticket ( along with related information, how to pay, etc ) was mailed to an old address without my knowledge. Being a busy student at the time, I allowed myself to forget about paying the fine. Several months later, after the ticket was long overdue, I was contacted by the company in question ( AliianceOne is there name I believe ), and they informed me that the DMV was contacted by them and my license was put on suspention, and that I would not be permitted to remove the suspention until the ticket had been paid in full. Upon calling the company 's 'customer service ' line to pay the fine, I was informed that my debt owed was munmentally higher than what my initial ticket fee was. Granted, I'd understand if a late fee was added due to my neglegence, however my inital fine was a few hundred dollars, and I've since been informed that my current bill is something around {$3600.00}. 

I am a recent college graduate, and thanks to these shady business practices, my license is still on suspention ( its been a few years now! ), and because of this I have been unable to maintain even a third-rate part time job. If I'm expected to even be able to pay the inital ticket, let alone the thousands I owe in government-funded student aid, I need to be able to drive. I have offically given up on being able to live my life at all thanks to these disgusting and greedy practices, and if anyone ( besides myself, of course ) should care about this, it should be the US government, who is going to be out almost {$20000.00} in student loans I can not afford to pay, solely becuase I can not even legally drive a car! How else am I supposed to make money to pay the debts I owe? 

Thank you for taking the time to read this, I sincerely hope a righteous decision is made promptly. 

XXXX XXXX
Complaint sub-issue: Information belongs to someone else

There was a fraudulent account from Moneylion LLC listed on my credit reports from XXXX, XXXX and XXXX. The account was an installment loan. I did not obtain or authorize any such loan. I disputed the information with the credit reporting agencies and further filed an identity theft report with the FTC. The credit reporting agencies presumably conducted an investigation into the account, but the results of the investigation did not modify the fraudulent and incorrect information listed in my credit reports. I have made multiple attempts to contact Moneylion LLC. In my email communications with them, a customer service representative directs me to call a hotline and can not help me via email. However, the " dedicated '' hotline has a wait time of 300 minutes ( 5 hours ). It seems to me that Moneylion does not want to solve the problem. It also appears to me that the credit reporting agencies did not actually conduct an investigation and did not provide any useful information on the fraudulent account beyond a generic status update. Since this fraudulent account is now flagged as overdue, my credit score has dropped over 100 points.
Complaint sub-issue: Their investigation did not fix an error on your report

on XX/XX/2022, I sent XXXX a certified letter to validate a debt they reported. I received no response so I followed up with another certified letter on XX/XX/2022 which they also received ( Ive attached the signed return receipt ). Still no response. I then sent a letter to Equifax, XXXX and XXXX requesting they verify this validity of the account as well as informing them this was a XXXX violation. 
Furthermore, XXXX is reporting this an an OPEN account, it is a violation of FCRA to report a " COLLECTION " account as an open account. XXXX and XXXX have both noted in comments that the account was disputed, however, I have received no investigation results or proof this alleged account is mine, and XXXX is still reporting it open. Equifax has simply not investigated nor removed the account. Ive included all letters, return receipt and copy of the credit report as reference.
Complaint sub-issue: Account status

Regarding : XXXX XXXX Consumer Line of Credit ( Acct. No. XXXX ) Equifax is incorrectly and inconsistently reporting the XXXX XXXX payment for the above-mentioned account. 
The payment for XXXX XXXX is reported as follows : Paid and Late & gt ; 30 days and Current and Opened in XXXX XXXX and Opened in XXXX XXXX. 
An investigation was initiated in XXXX XXXX, by me, to correct this information ; however, Equifax did not update and correct the report. 
Their investigation was incomplete and they researched the current balance, rather than the payment status. 
The account should be reported as paid in XXXX XXXX, opened in XXXX XXXX and current. 
I have requested that Equifax delete the XXXX XXXX payment information, in a written requested dated today, XXXX XXXX, XXXX.
Complaint sub-issue: Account status incorrect

Ever since the data breach in 2017, I have submitted SEVERAL disputes to Equifax for reporting erroneous information on my credit file. Accounts that have been paid and closed still reporting open three months later. Accounts that were in collections that were disputed as not mine and deleted are reported again. Accounts that are showing charged off when they are not but are in fact paid in full. Equifax has even listed my husband 's credit file as MINE and that took an act of congress to get it corrected! I call Equifax every month and no one will help me. There are HUNDREDS of inquiries on my credit file I did not authorize and I submit disputes and Equifax does not remove them. Equifax is THE WORST reporting agency out of the three. Consumers are at their mercy to get report information updated accurately. I submit disputes EVERY month to Equifax and have documentation showing PROOF items are paid in full or deleted but they will not accept them. They keep telling me I have to submit a dispute. Equifax 's mishandling of my credit file has cost me the ability to purchase a home. If a consumer has DOCUMENTED proof of accounts paid in full or items have been disputed with them and deleted, Equifax has a duty to accept these documents and make the corrections accordingly. They NEVER update credit files every month.
Complaint sub-issue: Their investigation did not fix an error on your report

In accordance with the Fair Credit Reporting Act the following Acccounts have been violated. 
XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States i have a right to privacy.

15 U.S.C 1681 section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Their investigation did not fix an error on your report

I have filed 4 complaints against Equifax asking them to provide me with the additional information they went on record on XXXX the XXXX and claimed they had that validated the debt between me and XXXX XXXX XXXX. The attached document ( Equifax XXXX ) is what they keep mailing to me in response to my complaints, There is nothing on that document that is different from the one I submitted in my complaints ( XXXX, XXXX, XXXX, XXXX ) that Equifax said they had the additional information on. Equifax keeps sending me the same identical information that they attached to my dispute resolution on XXXX the XXXX. ( See Equifax dispute 3 ). I want to see this additional information they claim to have. The information they keep mailing to me is not additional information from the original creditor that validated this debt. This is the same exact information that Equifax supplied me on XXXX the XXXX. This debt is not a valid debt and Equifax is lying when they say they have additional information that validates the debt. The SC Attorney General office Consumer Protection division has already opened a fraud investigation against XXXX XXXX XXXX for making up bogus s debts and supply them to the credit bureaus to scam people into paying these debts. I have a legal right to see this addition ( NOT THE SAME BUT ADDITIONAL ) information Equifax claims they have from the original creditor that validated this debt.Read the attached document I received in the mail from them today. This is not additional information that validates this debt. In the part of the document that says additional information there is nothing there. I want to see this additional information. Stop sending me the identical information you sent attached to my dispute resolution on XXXX the second. The information they keep se So far the CFPB once again has taken no action against Equifax even though Equifax is denying me my rights by not showing me this alleged addition information they claim to have.
Complaint sub-issue: Account status incorrect

XXXX is showing that I have two late payments from 2014. My student loans have always been in deferment due to me being in school. I have contacted the loan company about these late payments. I informed them of me being enrolled at the time and explained that my loans should have still been in deferment. I was also in the process of getting my loans consolidated. These late payments are hurting my credit tremendously! I should not have any late payments. As I have stated i have always kept my loans in deferment.
Complaint sub-issue: Funds not received from closed account

This complain is follow up on previous complain CFPB Case # XXXX On XX/XX/XXXX I contacted Citi Bank in regards to 5 transactions on my account which I did not authorize & I don't know where my money went. Those transactions were following dates & amounts : XX/XX/XXXX {$13000.00} XX/XX/XXXX {$15000.00} XX/XX/XXXX {$16000.00} XX/XX/XXXX {$18000.00} XX/XX/XXXX {$18000.00} Total amount I disputed was {$80000.00}, Citi Bank gave me a name where those transaction went through & I did not recognize that name. Citi Bank advise me that they will investigate it & credit my account. I even called that bank also & i was told that there was no account under my name at that bank told me in order to investigate I have to file dispute with Citi Bank. I was told that I need to open a new account and close old one. 
I opened new account with Citi Bank at XXXX branch, after few days they closed my account also & nobody knew any answer & was told that I would get a check in the mail. 
on XX/XX/XXXX I received a check in the amount of {$83000.00} which i deposit in my capital one account which was later returned as stop payment. Since than I am getting run around from Citi Bank. 
I just need my money back & Citi Bank is claiming that those ach transactions I did it, than I need proof if I did it, what kind of investigation Citi Bank did it & which account money went to because that bank did not have any record for that. 
In my opinion Citi Bank took my money or they lost it somewhere. 
I am trying to sort out with Consumer Financial & Citi Bank otherwise I am going to take legal action against Citi Bank.
Complaint sub-issue: Debt was paid

On XX/XX/20 I spoke to and made an agreement with ERC Enhanced Recovery Collections regarding my XXXX XXXX XXXX account. We agreed that if i paid in the requested amount to settle the account they would remove it from my credit and as of today they have not done so despite the fact that i kept my end of the bargain. I am trying to purchase a home for me and my sons and I need this to be removed as we agreed to. Thank you!
Complaint sub-issue: Debt was paid

I had a lease on a toyota XXXX and paid regularly until the lease was expired. I turned the car in. A few weeks later I received a bill for {$720.00} for over mileage. I paid the bill that day and did not hear another thing until last week when I received a notice from United Recovery systems saying I had not paid the bill and failed to respond to previous requests. That was the first and only collection notice i received. After extensive investigation involving going to my bank, callint XXXX XXXX XXXX, XXXX XXXX services, visiting both XXXX and XXXX dealerships, we finally figured out that I had, in fact, paid that bill but, since the lease had been terminated, there was no further account. Thus, the payment was applied to another lease on XXXX. But I was never told that nor was there any way for me to tell. Subsequently, I rolled that lease into another XXXX but was never told anything about the fact that the {$720.00} was applied to that down payment. 
So, after several days, many calls and visits and much aggravation, I called the credit bureau back and paid the {$720.00} again, but extracted a promise that I would receive a letter stating that my credit was cleared and the bill was paid. Instead, I received another collection notice from United Recovery Systems for {$720.00}. Of course, they are not open during non business hours and I have a day job.