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

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately : 1. Under 15 USC 1692f a debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt this account is in violation. 
XXXX Account Number : XXXX Delete account for failure to perform an investigation per fcra regulation 2. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g XXXX  Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once
Complaint sub-issue: Changes in terms mid-deal or after closing

On XXXX XXXX, 2017 went online as an referral to purchase vehicle from Carvana ; on the first call there was system issues with security questions to get me verified after 24 hours that was resolved. I did everything that they request uploaded documents 3-way call with bank to verify funds. Car was delivered a week after delivery a rep called stating that my contract had not been signed ( after I did a total of XXXX via links provided online ) I advised rep that purchase price did not reflect the {$500.00} discount for being referred my vehicle did not come with gas card nor had I received referral code so that I can refer others as I had been referred. She stated another contract would be drafted and email it arrived I did as I was suppose to signed the contract. Received payment details in mail made first payment as agreed to lender now on X/XX/2017 was contacted by rep stating their accounting team did an audit and it revealed that my down payment was never collected due to a " SYSTEM GLITCH '' she wanted to process payment I advised that I was out of town on vacation and would call to resolve issues once I get home review banking documents etc was in a public place was n't a good time to discuss personal business she continued with my payment just be made to keep contract valid and did I not notice the draft, do n't i have online banking so I can review or can we call bank on 3-way to review transaction I declined and told rep again that I am in a public setting away from home it was n't a good time. My complaint is system related it is not a consumer issue and they should not be called and harassed about a financial matter that was on their end it took them 2 months to discover the error and no one has mentioned the {$500.00} discount I was to receive off purchase price for being referred nor have I yet to receive {$100.00} per referral for the 5 people I referred to Carvana. Was advised to tell people to give my name city and state and they will receive {$500.00} off purchase price and I would receive {$100.00} for the referral so the way I see it that Carvana owes me {$1000.00} ( {$500.00} off my purchase price and {$500.00} for my referrals ) also my gas card that every one receives with purchase. I also did not receive an owners manual was advised that it would be emailed to me and that I would receive gift card for gas in the mail which none of the above has happen. I have received numerous calls and emails threatening my contract. Which I have made 2 payments to finance company ; just do not want to wake up to a repo etc due to their system issues. Their system didnt draft my down payment, process my gift card, or referral credits.
Complaint sub-issue: Their investigation did not fix an error on your report

I need expedited removal of the account that has been re-aged on my credit report. The Date of First Delinquency field on previous reports contained an incorrect date and I disputed this date over and over again with both the CRA and the Furnisher and it was never corrected, always verified as accurate. Now the Date of First Delinquency field is blank, showing no date at all. This date is important in order to calculate the 7 years for the account to be removed. Please note : Per the complaint instructions, attachment does not include my personal identifying documents.

Company Involved : Equifax Information Services, LLC ( CRA ) Company Involved : UTAH XXXX XXXX XXXX XXXX ( Furnisher )
Complaint sub-issue: Public record information inaccurate

Hello : I contacted the bankruptcy court in my jurisdiction, XXXX, CA, and asked them about the bankruptcy reporting to the credit bureau. They stated that they do not provide the credit bureaus with this information. I then contacted Equifax, because they list a bankruptcy on my credit report ****with an account/docket number that is not mine*** and which I do not know at all. I sent two letters in XXXX of XXXX, stating that the account number is incorrect and that the Bankruptcy court, according to the bankruptcy court, does not provide information to the credit bureaus. Since this information is inaccurate, I want it deleted. 


Equifax states that they conducted an investigation, but this is false on its face. The reason is the following : If you look at the date verified, you will find the date of : XXXX/XXXX/XXXX. So, how is an investigation being conducted at all if my TWO letters are sent to them in XXXX of XXXX? ( Please see attached where it states : Date Verified ).

Equifax violates Section 611 of the FCRA which states : " In general, subject to to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file is a consumer reporting agency is disputed by the consumer and the consumer notifes the agency directly ... the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and the record THE CURRENT STATUS of the disputed information, or delete the item from the file in accordance with paragraph 5 ... '' Equifax also violates Section 609 of the FCRA which states in section " ( 3 ) ( A ) Identification of each person ( including each end-user identified under section 607 ( 1 ) [ 1681 e ] that procured a consumer report. '' Also, how does Equifax explain the inconsistency of me being told that they do not verify with the bankruptcy court -- -and then they ( Equifax ) list on the bankruptcy reporting that. 

Furthermore, and finally, according to the FCRA my report is supposed to be completely accurate. I do NOT know " Docket XXXX '' ... if that is my docket number, show me any documents that I have which state so. But I believe, otherwise, it must be deleted. 

Finally, and a more minor thing, Equifax has a hard inquiry of XXXX account, but when I asked for documents of this -- -since I do n't have knowledge of it -- -they " verified '' it. I would like them to produce copies of my signature for CFPB and me alike ....
Complaint sub-issue: Account information incorrect

AMERICOLLECT XXXX ( FROM WISCONSIN ) IS COLLECTING ON BEHALF OF XXXX XXXX XXXX XXXX AND DOES NOT HAVE A CONCRETE FIGURE HE OR SHE IS SUPPOSED TO COLLECT FROM CONSUMERS BUT JUST POSTING ARBITRARY PRICES FOR THE EXACT SAME COLLECTION ACCOUNT. 

ON MY XXXX  CREDIT REPORT, AMERICOLLECT CLAIMS I OWE XXXX USD XXXX BUT ON MY XXXX  CREDIT REPORT AMERICOLLECT CLAIMS I OWE XXXX USD XXXX. 

AMERICOLLECT JUST SEEMS TO BE PULLING XXXX OUT OF THEIR XXXX AND HAVE NO SOLID FOUNDATION TO BASE THEIR COLLECTION EFFORTS ON. I AM FILING A COMPLAINT WITH THE STATE ATTORNEY GENERAL 'S OFFICE IN WI.
Complaint sub-issue: Information belongs to someone else

I informed equifax multiple times I am a victim of identity theft and have had an extended fraud alert for years. They didnt respond after 60+ days so I came here and all they said was they could not verify my identity and send them my social and Id which I refuse to do anywhere but here and did such with my last complaint
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here are the list of items to be disputed : XXXX XXXX XXXX XXXX  XXXX, CT XXXX XXXX XXXX XXXX XXXX  XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, CT XXXX DP OF EDUC XXXX Balance : {$6300.00} DP OF EDUC XXXX Balance : {$3100.00} XXXX XXXX Balance : {$0.00} XXXX/XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX Balance : {$490.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$890.00}
Complaint sub-issue: Was not notified of investigation status or results

XX/XX/2020, I sent a letter regarding wrong and inaccurate things on my credit report. To this day, over 60 days, I have not received a response yet. I feel like I'm being taken advantage of and being ignored for my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to remove those from my credit report immediately, and it's been over 60 days, so they should be deleted promptly. Also, my information was impacted by the Equifax data breach and may have gotten into the wrong person 's hands.
Complaint sub-issue: Debt is not yours

I received notification that a collection for an amount not owed was placed on my credit by Hunter Warfield. In XX/XX/2015, my wife and I were looking at moving to XXXX from XXXX and we reached out to XXXX XXXX XXXX. XXXX was the rep, and she told us that they had an apartment that might meet our needs that would be coming up. We had specific concerns due to having dogs and we were not familiar with the area. We were told that she could hold the unit for us for a period of 10 days if we filled the application and paid a {$99.00} application fee ( please see emails below ). We paid the fee and came out the week before XXXX. We were not happy with the unit and decided not to move forward. We told the agent that same day but followed up with XXXX on the XXXX. We never heard anything afterwards until we received a letter from Hunter Warfield. We never signed a lease or agreed to anything beyond the application. Hunter Warfield has not sent us any proof of the debt other then invoices from XXXX XXXX XXXX. The invoices were created weeks after we decided against the apartment and they weren't signed by us. The email that I will attach will show that at no time were we told of any fees other then the credit application fee of {$99.00} that we paid. 

The only proof that Hunter Warfield provided us after we disputed this was Internal Documents created by XXXX XXXX XXXX XXXX. Most were created weeks after we decided against the apartment. I have attached all the documents that Hunter Warfield has provided us with and none of it was agreed to before hand. Hunter Warfield claims that they don't have to prove that we agreed to the charges. They simply wouldn't remove the debt because their client want us to pay this amount even though we didn't agree to it.
Complaint sub-issue: Trouble getting, activating, or registering a card

My card has been taken by the ATM machine, and i need the bank send me a new one to replace. But i try to contact them thousands times, no customer services help me. 
They said they have a lot of customer services help us through phone, but it is a lie! a lot of customers called them thousand times, but no answers and reply. I try to contact them on XXXX, XXXX, XXXX in the morning, because they said they work 24hr/7 days. but it is a lie. I spent 4 hours on hold just to be hung up on. Ive been calling all month, until now my problem still not solved. Horrible Horrible customer service! I can not withdraw money because i don't have card.
Complaint sub-issue: Account information incorrect

First Progress is reporting inaccurate late payments on my account. This debt was paid back in XXXX of 2020 and they are reporting late payments on XX/XX/2020 & XX/XX/2020. This is erroneous! These lates need to be removed off my credit file.
Complaint sub-issue: Information belongs to someone else

This is my 3rd time complaining about Fraud with my information. My information is being used, attempting credit lines and loans. XX/XX/XXXX and inquiry from XXXX XXXX notified me that and inquiry was made. I took legal action, I have filed a police report pursuing charges for Fraud. Ive tried to report this fraudulent actions since XXXX. When I found out, my information has been compromised since XXXX. A response saying that 7 inquires has been deleted, but as of today.. it remains there. The inquires : XXXX   XXXX/XXXX, XXXX XX/XX/XXXX in my XXXX. XXXX  XX/XX/XXXX in my XXXX & XXXX XX/XX/XXXX & XXXX XX/XX/XXXX are still on my credit report. My information has been compromised since XXXX and still being used. Im putting a lock on my Social Securty #. I also took action and filed a police report for identity fraud. There are 23 inquiries on my credit report that I have NO RECOLLECTION of and know nothing about how there got there. 
XXXX  : XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX & XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX. Equifax : XXXX XX/XX/XXXX & XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. When I found out that my information was just used on the XXXX of XX/XX/XXXX I filed a police report XX/XX/XXXX with The XXXX Countys Police Department. Officer XXXX badge # XXXX Complaint # XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Several inquiries on my credit report which I did not authorize and/or recognize. Please remove these unauthorized credit inquiries immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Complaint sub-issue: Was not notified of investigation status or results

i was not told or updated of investigation results.
Complaint sub-issue: Debt is not yours

This will serve as a notice to cease all communication through all mediums including my credit report pursuant to 15 U.S. Code 1692c i as the consumer do not validate this alleged debt and is refusing to pay this debt until you can provide e documentary evidence. I have never done business with your company and have no legal obligation to pay you for any services. I demand that you cease all communications. Unless you can provide any documentary evidence pursuant to 15 U.S Code 44 with all books of account, tax documents, and the ORIGIANAL contract with my wet signature in blue ink i am demanding you delete this account from my credit report or i will have no other choice to file a complaint with my attorney general within 3 days of receipt of this notice.
Complaint sub-issue: Their investigation did not fix an error on your report

Ive notified LexisNexis on several occasions that they were reporting incorrect information on my credit report, I also froze my LexisNexis files and they continue to share my data with the credit bureaus. I sent them letters from the bankruptcy court stating they do not give this information to them. Yet they state this is where they got it from. They are reporting incorrect information and have not legally verified my information its been pass 30 days for them to validate this information ... I have not received anything from them.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX  partial account number XXXX. This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Complaint sub-issue: Company closed your account

I opened a citi priority checking account on XX/XX/2021. And I transfer {$10000.00} from XXXX XXXX  to this citi checking account. Then my citi checking account was closed on XX/XX/2021. They don't provide the reason why they closed my account and don't refund my money.
Complaint sub-issue: Public record

I have a tax lien on Equifax and tried to call and get them to take it off and tried to dispute, but am having a challenge. The lien has been paid in full and withdrawn - I 've gotten this off XXXX and XXXX. Can you help and let me know what I need to push this through? Thank you!
Complaint sub-issue: Other problem getting your report or credit score

The company is Equifax Information Services LLC, in XXXX, GA. I tried to get my credit report through their website. Unfortunately, when I got to the segment where they gave a confirmation/registration number to continue, I had to close out of the ( Equifax ) XXXX in order to open my email to get the number, since I only had one window open. Please be advised, on their program it stated that I had up to XXXX minutes to input the confirmation/ registration number. 

When I went back to the Equifax program, it would not allow me to continue ; instead it gave me the number XXXX to call. When I called this number, I could not move forward because when I responded to the instructions, the machine kept repeating the same question. Please be aware, I tried this on several different occasions to make sure that it wasn't my problem. 

I am desperate to get a copy of my credit report from Equifax, since I found some major mistakes on my report from XXXX ( which they are working on ) that have negatively affected my credit.
Complaint sub-issue: Deposits and withdrawals

My name is XXXX XXXX and I opened a bank account with ETrade around XXXX of last year when I turned XXXX. I did this because my mom said she wanted me to start investing early. I am in school to become an animator and illustrator and do a lot of social media content management and graphic work for companies. I deposited my 2 payroll paychecks after I opened my account with E Trade, even after a two week hold on my account E Trade refused to release my funds and then proceeded to close my account with no reason why, no letter, and no call back when I called them to ask why they are doing this. I asked them where is the written policy for how they are handling me. They literally have never called back or sent my funds to me. This is Theft and XXXX. I am a college kid and need all the money I make. The total amount was XXXX ( It was my two paychecks..each XXXX ) I feel that it is unfair for them to hold my money for no reason for this long. My mom would have helped me invest it to make more money and now I have missed out on that opportunity. I am also seeking legal representation to file a lawsuit against E Trade for what they have illegally done to me. I would have made a good amount of money by now from Investing if they had not been dismissive, dishonest and deceptive. This behavior is Theft and I am not going to let what they did go without speaking up and fighting back. Thank you for your help
Complaint sub-issue: Banking errors

I opened up this checking account on XX/XX/XXXX, for the bonus promotion. I deposited {$50000.00} 2 weeks later and held the deposit in there for over 60 days ( which was required to get the bonus ). I should have received a {$1000.00} bonus per the terms and conditions of the bonus but I have not received anything yet. Please credit my {$1000.00} bonus as the terms stated.

I contacted Citibank and they said that I did not have a W-9 on file. I submitted it again on XX/XX/XXXX through my Business banker XXXX XXXX. Today is XX/XX/XXXX and I still have not received it. Please credit me the {$1000.00} and please waive the next statement 's checking fee since I have a low balance ( due to the fact that the bonus should have been paid already ).
Complaint sub-issue: Problem making or receiving payments

The XXXX XXXX/Cashapp has not responded in a timely manner to any of my request for customer support regarding a transfer I made from another financial institution. Hello have blatantly been ignored and given no explanation about my funds. I made a small transfer on XX/XX/XXXX for {$5.00} and it was available on XX/XX/XXXX. 
On XX/XX/XXXX I made two separate transfers of {$48.00} and later {$300.00}. The funds did not post to my account with XXXX XXXX/Cashapp as of XX/XX/XXXX. On XX/XX/XXXX and XX/XX/XXXX I repeatedly tried reaching customer support only to be told that they will get back to me within 24 hours, So far I received and email from an agent requesting more information. I provided the requested information and more then the agent ignored all further attempts of contact.
Complaint sub-issue: Debt is not yours

Pursuant to the Fair Debt Collection Prac tices Act, 15 USC 1692g Sec. 809 ( b ), XXXX claim was disputed and validation was requested. I did NOT ask for a verification or for a letter of explanation, but a request for VALIDATION made pursuant to the above named Title and Section. I request that MACYS provide me with competent evidence that I have any legal obligation to pay them. To provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor
Complaint sub-issue: Account status incorrect

I am having problems with accounts not being reported as paid or I paid an account to the collection agency but the original account is showing a balance and the collection has been deleted as agreed upon.The following is a list of the accounts which are not correct and which bureau is reporting it wrong. 

Conns - was paid through the collection agency which is now deleted but they are reporting a balance on all three bureaus, XXXX, XXXX XXXX Equifax XXXX XXXX, XXXX, XXXX, XXXX and XXXX XXXX XXXX  - These have been paid but are not being reported as paid in the payment status line or noted in the comments by Equifax. They are all reporting as paid in the payment status line and in the comments section on XXXX and XXXX. I paid these back in XXXX of last year. I've gone to Equifax multiple times asking for these to report correctly or to delete them. I've even got to these companies directly and they just say it was paid and that it could take up to 30 days to be reported as paid, its been 3 months now.