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

I sent certified letters to XXXX, Equifax, and XXXX about incorrect items on my report. I have sent items to the 3 bureau listed above over 3 weeks ago and i have not gotten a response from either of them. As stated in 15 USC Code 1681 the agency must respond in writing within 5 days of my letter, if not they are in Violation of the law.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not receive a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), is plainly stated a that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Their investigation did not fix an error on your report

It has been a battle going through all these and the Credit Bureaus have been ignoring my disputes despite the countless written requests and CFPB complaints I have been sending. I am willing to file a lawsuit against the Credit Bureaus for their willful non-compliance with the Fair Credit Reporting Act which protects a consumer 's rights from erroneous reporting. I am submitting this CFPB complaint to request to the Credit Reporting Agencies to once again, investigate and this time remove the disputed accounts completely from my Credit File. If the Credit Bureaus do not comply with the requests under the provisions of the Fair Credit Reporting Act, I will be left with no choice but to file the lawsuit we have been preparing for a long time. The Credit Bureaus only have 30 days left to remove the following accounts completely from my Credit File : XXXX XXXX Balance Owed : {$160.00} XXXX XXXX XXXXXXXX Balance Owed : {$450.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2019 XXXX XXXX XXXX  Reference # : XXXX Date Filed/Reported : XX/XX/2019
Complaint sub-issue: Account status incorrect

I attached a list of transactions for review. I paid off my PNC Bank credit card balance in XXXX of XXXX. Two days after I paid it off I was charged a late fee. I spent weeks making calls trying to get this resolved because everyone was furloughed. As you can see the late fee was refunded on XX/XX/XXXX. You can also see that another late fee was charged on XX/XX/XXXX. Again weeks of phone calls, during the time another late fee was charged on XX/XX/XXXX I finally got a young man on the phone who told me he did not have the authority to remove late charges since one had been removed but he could refund a finance charge of XXXX to help offset the 2 late fees. You can clearly see the {$41.00} refunded on the XXXX statement. I then paid the remaining balance, which was money that I did not owe just to make the situation end. Moving on to XXXX when PNC reported a 30 day late to the credit bureaus for XXXX. I did not even have a payment due in XXXX. Again another week and weeks worth phone calls & written letters met with zero results through the months of XXXX XXXX. I have already disputed with the credit bureaus and PNC has verified the info as correct. Finally around XXXX I just gave up as I operate a multi unit restaurant group and just got too busy to keep turning in circles. Last week I presented this information to a PNC Bank manager and was referred to someone else who has apparently reached out to someone else but told me it was unlikely PNC will remove the late ding on my credit. I also attached what PNC has reported to XXXX as my payments and it also makes no sense with the statements I have provided. There is an obvious cycle of credits in XXXX & XXXX, then a payoff so how could I have been 30 days late in XXXX? It makes no sense. 

I have been building a house since XXXX and am slated to close on XX/XX/XXXX. This mistake on my credit report has cost me 60+ points and is now preventing me from having my mortgage approved, worst case scenario, best case is it will cost me thousands in interest and PMI fees. My Mortgage broker has requested a letter on letterhead stating that PNC acknowledges the mistake and will report it to the three credit bureaus. 

I have worked very hard to build my dream home and do not feel that it is just that a clerical error that could be easily fixed, if someone would just help me, should stand in the way of this. I am hoping we can get this resolved, I am on a very tight time crunch at this point and have exhausted all avenues.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I use my XXXX  in XXXX on a Car service but canceled the car before the XXXX time to cancel and I had the proof of that but the XXXX company says only the company that changed my XXXX can take the charge big of my XXXX when I have the paperwork to prove I canceled the service way ahead of time. The problem is the car service makes you go into their own website to make changes to car pick up dates then saying you never sent the change and wont show you the actual internal company email page you submitted the change on but just what ever they want to show you from what ever they want to show you but not the actual internal email you sent to them.
Complaint sub-issue: Account information incorrect

Dispute accuracy ... reflecting late XXXX  months late..nothing was changed.
Complaint sub-issue: Information belongs to someone else

My identity has been compromised. I tried to file my taxes and the tax professional told me that my social security had been used already to file tax returns. I soon received a call from a collections company as well that I owed them money. Everything was making sense right after. These things on my credit are not mine. Please remove these things from my report. 

XXXX/XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX XXXX XXXX XXXX {$86.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX {$150.00} XXXX XXXX  XXXX {$300.00} XXXX XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX XXXX {$460.00} XXXX XXXX {$410.00} XXXX XXXX  XXXX {$1300.00} XXXX XXXX {$0.00} XXXX XXXX {$460.00} XXXX XXXX XXXX {$13000.00} XXXX  XXXX {$4400.00} DPT ED/XXXX XXXX {$1700.00} DPT ED/XXXX XXXX {$1700.00} XXXX  XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00}
Complaint sub-issue: Didn't receive notice of right to dispute

XX/XX/21 this year I check my Equifax and there was XXXX XXXX  debt from the same company and also the same balance. I have requested them to take it off my credit report because it's open. I have not done business with this company.
Complaint sub-issue: Transaction was not authorized

XXXX made disbursements from my checking account that were not authorized. Returned 2 but would not give back the first one they said it was more than 60 days after. I have been trying to get them to handle this earlier than the 60 days. They told me they could not give me a tracking number as requested by citi and they to date have not given me any information as to where the XXXX went. They refused to give me any concrete information as to why they did disbursements and they stilll have not returned all they money back to my account.
Complaint sub-issue: Information belongs to someone else

Checked my credit today XX/XX/2019 and saw that XXXX has not deleted the account.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to investigate and updated for erroneous reporting in my file are listed on my credit report. 
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: Credit inquiries on your report that you don't recognize

I went to the car dealership and I only got approved for XXXX car from XXXX XXXX. So I shuld only have the one inquiry from XXXX XXXX on my credit report that occured on XX/XX/2022. 
All of a sudden I have 20 inquires from car dealers across all 3 credit bureaus that I did not do. 

XXXX  - XX/XX/2022 Equifax XXXX - XX/XX/2022 Equifax XXXX - XX/XX/2022 Equifax XXXX - XX/XX/2022 Equifax XXXX - XX/XX/2022 Equifax XXXX - XX/XX/2022 Equifax XXXX XXXX - XX/XX/2022 Equifax XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX DEAL XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXX/XX/2022 Equifax XXXX - XX/XX/2022 Equifax XXXX - XX/XX/2022 Equifax XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have submitted 5 different disputes about a Bankruptcy on my credit report asking for verification as to who, when and how it was verified. As of this moment I have yet to receive it. Equifax had no permissible purpose to have my personal and private information and to put a Bankruptcy on my consumer report. I have letters from the bankruptcy court stating that they do share or provide any of my private information. I also have the same letter from XXXX XXXX stating the same. I need the proof of what they did. I am asking for the credit bureau to send me the requested information as to who they spoke with, where, when, and how the verification was done.All they send me is a generic response saying it was verified. I am asking for the to give me the information requested by me and required by law.
Complaint sub-issue: Account information incorrect

In regards to XXXX ACCOUNT ending in XXXX : The debt associated with this account was settled and paid in full in XX/XX/XXXX. I have the receipt which was sent to me from XXXX documenting the account debt was settled and the remaining balance was paid in full. 

I spoke with a supervisor at XXXX on XX/XX/XXXX who reported that upon looking at my account on this date, it showed NO BALANCE. 

I have my most recent credit report from XXXX showing that XXXX is still reporting a balance of {$6200.00}, however accurate information has been reported to XXXX and XXXX showing a balance of {$0.00}. 

I also have the results of the dispute I filed with XXXX XX/XX/XXXX with results reporting : " We have researched the credit account. Account # - XXXX The results are : THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE CURRENT STATUS IS BEING REPORTED CORRECTLY. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE PRIOR PAYING HISTORY IS BEING REPORTED CORRECTLY. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE BALANCE IS BEING REPORTED CORRECTLY. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *ADDITIONAL INFORMATION *DATE OF MAJOR DELINQUENCY XXXX REPORTED *ACTIVITY DESIGNATOR *HISTORICAL ACCOUNT INFORMATION. If you have additional questions about this item please contact : XXXX XXXX, XXXX  Disputes, XXXX XXXX XXXX, XXXX XXXX, MO XXXX Phone : ( XXXX ) XXXX '' I have requested to have a XXXX report sent to me by ELAN to submit with XXXX taxes XXXX times since the debt was paid in XX/XX/XXXX, with no report ever sent to me, despite confirming my current address all three times. 

XXXX will not update the balance of {$0.00} with XXXX and it is impacting my credit. XXXX continues to blame XXXX. 

XXXX made to XXXX XX/XX/XXXX reporting XXXX needs to contact XXXX directly, however XXXX reports their dispute department has no land line and no phone number. 

I have all documentation showing receipt of payment, results of previous dispute, and current credit report.
Complaint sub-issue: Company closed your account

I deposited a cash fund from my main bank XXXX Bank at US bank on XX/XX/22. After 2 days I did the international wire transfer {$15000.00} at US Bank on XX/XX/22. But they kept it until XX/XX/22 with out informed me the reason of why they didnt transfer. I contacted the person who was processed the wire & told me the the fund youre sending is suspicious. I asked him why did you Guys told me until now. He said I dont know that is the back office responsibility. 
I told him not to send the money.I will send from my other Bank. 
After 2 days I transferred back the fund from US bank to XXXX bank through XXXX with daily limits {$3500.00}. After 2 times transfer the branch manager XXXX XXXX closed my checking and Saving accounts and sent me the XXXX checks.
Complaint sub-issue: Investigation took more than 30 days

They are Collections on my credit report that I was not acknowledge of this being on my report I sent a dispute to all XXXX  credit bureaus they havent got back to me XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX Amount {$870.00} XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount {$670.00} XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount {$600.00} According to the law XXXX XXXX XXXX XXXXXXXX - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the nouce or ine dispute from the consumer or reseller.
Complaint sub-issue: Company closed your account

Company closed my account after stating that I was using an invalid address.  After speaking with a representative of the company, I was told that while I had updated my address ONLINE, through the bank's online portal, that this had not updated my address within the bank's records.  So, according to the bank, the address for my online identity was current, however, the address for the credit card account attached to this identity was out of date.  I only use this online portal to access the one credit card, for which I receive paperless statements.   All of my interaction with this company is online, and I updated my address two years ago, when I moved from XXXX to XXXX.  I applied for a new credit card with the same company, however, the new credit limit is less than half of the old one, because (of course) the bank reported my account closure to the credit reporting agencies, and this closure (with a balance) has lowered my credit rating.  I confirmed with an agent of the bank that there was no way for me to know that the address I had updated only effected my online identity and that there was no other means for me to update my address, or to know that my address was not current.  I spoke with representatives at two bank locations, both of whom were defensive and dismissive, while also insisting on their utter inability to help me, whether they wanted to or not.
Complaint sub-issue: Reporting company used your report improperly

Equifax has mishandled my information which has led to a massive data breach, that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I have received no email, letter, or phone call and instead had to discover it via social media. 
.
Complaint sub-issue: Can't get other flexible options for repaying your loan

I transferred to XXXX XXXX on XXXX XXXX back in XX/XX/XXXX-XX/XX/XXXX and according to them I was not able to receive financial aid due to the fact that I was attending a satellite school in XXXX, MO while my physical location was XXXX XXXX, TX. I was told that because I did not qualify for financial aid Pell grant that I needed to get the student loan offered at XXXX XXXX XXXX XXXX. 

I logged into the financial website back in XX/XX/XXXX and notice that XXXX XXXX collected on a Pell grant in TEXAS. I never received a refund but I was put into this student loan that I don't see the amount lowering because they are collecting on interest instead toward the principal. Mohela has been changing the terms and conditions since on the loan since the original promissory note that I have the original copy. I can mail or fax in any documentation you may need clarification. 

XXXX XXXX collected on my Pell grant close to {$9000.00} and also on my VA benefits and now they have me on this debt of an old student loan that I can not seem to lower the principal in all the time that it has been under my name dating back XX/XX/XXXX. This was all done because XXXX XXXX mislead me and collected on my Pell Grant and Ch-35 VA Benefits. 

I feel they are unethical and are over charging me for a tuition that my Pell grant and VA benefits paid for back when I attended XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. My total tuition for the school was no more give and take {$6000.00}. 

My interest rate with this loan was in the low 1.5 % initially and now is close to 7.0 % after I have asked mohela to lower the interest rate and to put my payments towards the principal. Nothing has changed I feel since XXXX XXXX  pocketed the Pell grant and lied to me about this loan. I feel this is wrong and want them to at least deduct my Pell grant they took from the total amount of this loan. 

I have good credit and I have been giving them payments that I can afford based on my budget. I still feel that I am paying a debt that is not lowering this student loan and feel I am unethically being charged by Mohela. I have already paid Mohela close to {$5000.00} and the amount in debt is still {$7300.00} and the initial loan was around {$5000.00}. I am reaching out to you in attempt to mediate and take this debt out of my life.
Complaint sub-issue: Information belongs to someone else

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem with personal statement of dispute

This is XXXX XXXX and I am submitting this complaint today to inform the XXXX XXXX XXXX that they have failed to comply with my request and continued reporting the disputed items on my Credit File without sending me copies of documents of verification! I have been sending multiple letters addressed to the Credit Bureaus requesting that they reinvestigate the disputed items from my credit report as well as temporarily remove or update these items from my report during the investigation period. As of this date, they have failed to respond to my requests. Again, please reinvestigate if the following items are inaccurate, incomplete and outdated. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of of the following items as I believe these items are reporting erroneous information on my Credit Report : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$12000.00} XXXX XXXX XXXX 62*XXXX Balance XXXX {$3000.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$920.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX  XXXX Balance : {$4400.00} XXXX XXXX  XXXX XXXX Balance : {$5700.00} XXXX OF XXXX XXXX* Balance : {$2700.00} XXXX  XXXX Balance : {$1600.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$540.00}
Complaint sub-issue: Information is not mine

I recently applied for a refinancing of my mortgage loan. After my loan officer pulled my credit report and I checked it out, I found out that XXXX credit lines do not belong to me. 
They belong to my ex-husband whom I divorced in 2008. I have absolutely nothing to do with those loans and this is clearly a mistake made by the reporting agency. 
Equifax reported the incorrect info, even my ex 's name was on the report instead of my name. When I called their customer service, the person on the phone did n't even care. I told her that they are giving me someone else 's personal info and she was like 'yeaahh '. Also she told me that this my responsibility to prove that these are not my loans even though it was them who made a mistake.
Complaint sub-issue: Reporting company used your report improperly

Thank you for calling XXXX Support. If you have further questions, you can always contact us from the " Help '' menu in the XXXX app. Thanks Sent by XXXX on Thursday, XX/XX/2019 at XXXX XXXX The above was an email response I received while trying to resolve and issue with my XXXX Partner account. My account is suspended ( unable to work ) per a background check by the company Checkr ( files attached ). I was unable to resolve this issue with XXXX and was told I need to follow up with the company who did my background check ( consumer report ). 
Checkr received a motor vehicle report which states that I have a ( surrendered ) Colorado license. Not only am I unsure what this  means and/or has to do with my ability to continue driving with XXXX ( as I currently live in Illinois and have an Illinois license ), my rights under the Fair Credit Reporting Act clearly state : Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment-or to take another adverse action against you-must tell you, and must give you the name, address, and phone number of the agency that provided the information. 

Per my rights under the Fair Credit Reporting Act, Checkr has failed to give me the name, address, and phone number of the agency that provided the Motor Vehicle Report information. This should render the inclusion of this information ( which is unknown to me and irrelevant to my employment ) null and void as it was specifically used adversely-to stop my independent contractor status with XXXX. 

I have attached all documents emailed to me on this matter.
Complaint sub-issue: Not given enough info to verify debt

I C Systems Inc. claimed I owe a debt. I sent them a Creditor Vailidation Letter XXXX XXXX, 2015. I waited the 30 days to hear back from them according to the Fair Debt Collection Practice Act. I have not herd back from them. ALso, I asked them to show that I C Systems Inc is incompliance with the State of Texas Debt Collections Laws thewy have not been able to show me that either. This debt should be removed from my credit report.