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

ON XXXX XXXX XXXXFirst I sent a letter regarding inaccurate and unknown things on my credit report to this over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 XXXX a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

This is the second time I filing a complaint about Citi credit card. The first complaint was filed on XX/XX/XXXX. The ID # XXXX. Citi sent me a letter explaining why they are not able to resolve my dispute. However, in a typical for this company manner, they completely ignored what was in my complaint. My complaint was about how they failed to update the disputed amount from {$7200.00} to {$1000.00} for over 2 months. As, a result they didn't to apply the {$6200.00} to my account that I sent on XX/XX/XXXX and continued to pursue the dispute for {$7200.00}. They failed me as a customer every step of the way. Their dispute department failed to update the amount after seven calls and three emails and two letters that I sent them. Now they are planning to collect the interest and the fees from me for the whole disputed amount {$7200.00} although {$6200.00} have been sitting in the account for 2 months. There was not one sentence in the letter about how the dispute department failed to update the amount and lied to me every time I called and no apology for their terrible customer service. And in a typical Citi matter, after I made a phone call to the representative from the Citi Executive Response Team that was assigned to my case, he never returned my phone call. 
How can this company continue to conduct business in such a disrespectful and negligent way! There was no acknowledgement or apology about failures in the Dispute Department about updating the disputed amount! I am completely outraged! This is bad business!
Complaint sub-issue: Account information incorrect

I thought this was resolved over a year ago. I am in the middle of trying to obtain a mortgage loan for a new house finding out that it was not. I have a letter from XXXX XXXX stating that they added some note to the credit report to advise that I was in a loan modification and was NEVER late and was Never 120 days behind. But the credit report still shows 120 + days late. I was told on numerous occasions that this was to be corrected, but it has not.

I call into their customer service line and wait for them to fill out another form and they will contact me when it gets thru their investigation yet again. I have sent copies of the payments I have the 1st complaint letter in your file that says that they have called me ( no ). I need this corrected asap and no I don't have another 30 days. I have included the letter that was sent to me again the other day.
Complaint sub-issue: Information belongs to someone else

incorrect information defamation of my credit historyXXXX XXXX 60 days late fcra violation see attach police report
Complaint sub-issue: Information belongs to someone else

I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. The accounts in my profile are not mine. Please help me and remove these wrong unknown accounts as they kill my report. Also this wrong information influencing on my life.
Complaint sub-issue: Didn't receive enough information to verify debt

Ive been trying to contact this company for over a year and no one ever answers
Complaint sub-issue: No notice of investigation status/result

Equifax is reporting all these unauthorized inquiries and most are duplicated
Complaint sub-issue: Didn't receive enough information to verify debt

I have never received any paperwork from EOS CCA identifying who they are, what they are collecting for, or why! I have never heard of them, but they are on my credit report! I've disputed the account multiple times with the credit bureaus and EOS CCA and I have been told by the bureaus that it's been verified by EOS CCA! HOW? The only way I've ever gained any information is from an auto dialed call to my work, they did not say they were debt collectors or what their business was! I only recognized the name of the company from my credit reports.
Complaint sub-issue: Debt is not mine

I ordered XXXX dresses from Macy 's and charged the purchase on my Citibank credit card. I returned all XXXX of them in XXXX package. Macy 's says that the package contained only XXXX dresses and would not give me credit for the XXXX. I have spent hours and hours on the phone with Macy 's and Citibank but to no avail. My attorney sent a certified letter to Macy 's XXXX/XXXX/15 asking that they not contact me, credit my account in full and remove any negative credit rating reports they may have made. Macy 's continues to call me and send me monthly statements with added fees.
Complaint sub-issue: Investigation took more than 30 days

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX  XXXX XXXX Date Opened : XX/XX/2020 Balance : {$220.00}.
Complaint sub-issue: Personal information incorrect

I sent a certified letter to XXXX XXXX and Equifax to have my personal information updated that is current and to have all past employment information removed from my credit and all names that is not spelled correctly like on my birth certificate and all past addresses that does reflect my current residence thats is shown on my state drivers license XXXX XXXX XXXX XXXX- inq XX/XX/20 XXXXXXXX XXXX  XXXX XXXX- inq XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-inq XXXX XXXX XXXX XXXX XXXX- inq XXXX XXXX XXXX  XXXX XXXX XXXX XXXX These are some of the companies that ran my information without my permission
Complaint sub-issue: Didn't receive services that were advertised

Around XXXX to XXXX, I have been seeing a lot of advertising on Credit Karma. They are sending all sorts of pre approval 's telling me that I'm pre approved for personal loans, credit cards and that I can refinance my car. All this to my email. I see these same offers every time I log in to check my credit scores. After some months have past and receiving so many offers that I was pre approved, I applied, through Credit Karma. I shared this Information with friends and family to sign up for Credit Karma to get same pre approved offers, if not better. I applied in or around XXXX and got denied for 2 credit cards and a personal loan. I was very upset and devastated. I was lied to and marketed for several months. Credit Karma told me that I was pre approved and they told me a lie! I was severely stressed and sick for weeks. Anytime I see something about pre approvals I get scared away. I no longer check my credit because of this.
Complaint sub-issue: Information belongs to someone else

Okay as I go to look at my fico score for XXXX, Equifax, and XXXX I get the score unavailable indicator.. 

For reason being whats wrong with my fico score and why it says unavailable it has enlisted for one of the indicators on all three of my reports that Ive been labeled as deceased.. this is unlawful use of ny credentials and is in violation of fair credit reporting act and I would like to be compensated for this
Complaint sub-issue: Banking errors

I'm filling a complaint against U.S bank for causing errors to my account and leaving my account in the negative for not filling my disputes correctly and using a excuse they need extra information when in effect I gave them all the correct information to put in the system but they refuse to take down the information I give them and put it in the system probably the most terrible customer service I have come across in my life with that being said I would like a full credit back into my account of {$67.00} due to lack of customer service skills and errors of U.S bank
Complaint sub-issue: Account information incorrect

In XX/XX/XXXX, I got my credit reports, i noticed my students loans were reporting open, closed - with XXXX. I have contacted XXXX in regards to my XXXX student loan payment history- it shows 4 loans 15 payments each past due. Destroying my history and credit. I contact XXXX they show this are loans XXXX, XXXX, XXXX, and XXXX - I stated that my loans were suppose to be in default. Well when I initially contacted in XX/XX/XXXX - I called over the phone - Like I usely do to renew my economic hardship- the representative told me- to mail in proof of state assistance- I mailed information-never received any information that those 4 loans were ever in default. Sent a goodwill letter- no response. I need help getting this resolved
Complaint sub-issue: Account information incorrect

To whom it may concern, I recently pulled my reports and noticed you are reporting 2 different accounts on my XXXX, XXXX and Equifax for this account ( Dept of ED/XXXX  ). Because the account being reported by Equifax, XXXX and XXXX are different, this means the account has not been properly verified. 

XXXX Acct : XXXX XXXX and Equifax : XXXX Please delete this account immediately
Complaint sub-issue: Debt is not yours

XXXX XXXX  attempting to collect money not owed by me. this debt has been disputed with all three credit bureaus and was removed in XX/XX/XXXX when it was reported by a different collections agency. I was then reported again in XX/XX/XXXX again it was disputed and removed by a 2nd collection agency. Now reported in XX/XX/XXXX by a 3rd collection agency removed by XXXX and XXXX for a 3rd time but now XXXX somehow after removing it as invalid/fraud, they are stating it will remain on my XXXX, This is not my debt i have never had nor lived at the service address reported by Allied Interstate. how can this company keep reporting this invalid account to my credit file after it has been removed 2 times previously. 

First ReportedXX/XX/XXXX Original CreditorXXXX XXXX XXXX  Creditor Info Phone Number ( XXXX ) XXXX AddressXXXX XXXX XXXX XXXX, OH XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XXXX of 2020 I filed a dispute with this account explaining how I was a victim of fraud. Someone used my credit card information to take a large sum of money from my account, in which I received no benefit from.I have been paying off my balance for 20 years on time with no problems. When I filed the dispute, I was told someone from the fraud department would contact me and help me. Additionally, I had been calling them numerous times to try to get this resolved. I have not received any help. I had been paying the minimum balance of this account for fear it would affect my consumer report. I recently just stopped this pass XXXX. Now the company has lowered my credit limit, threatened to close my account, threaten to write it off as a collection, and will be ( if they haven't already ) ruining my consumer reputation by submitting their inaccurate information to the credit bureaus.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update or correct them 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  Date of inquiry : XX/XX/2021
Complaint sub-issue: Credit inquiries on your report that you don't recognize

As background, I authorized a fraud alert on Equifax, XXXX and XXXX on XX/XX/2019. On XX/XX/2019, I received notice that I had a hard inquiry against my Equifax report from XXXX XXXX, initiated on XX/XX/2019. I did not authorize this credit application. 

Upon contacting XXXX card service on XX/XX/2019 via phone, the department 1 ) did not demonstrate any evidence that they took measures to verify the identify of the individual trying to obtain credit under my name ; and 2 ) refused to resolve the matter. This is particularly frustrating, as I contacted the company immediately, prior to any issuance of a credit line. With XXXX ' lack of action, the fraudster could act on a credit line in my name before I can resolve the issue. 

I contacted Equifax on XX/XX/2019, who took additional measures to verify my identity, and then began its internal dispute process, which is ongoing. 

This complaint is against XXXX, who ignored an existing fraud alert when it served the purpose of issuing credit and selling a product, but refused to aid a consumer when an identify conflict arose. This is unacceptable behavior in any context. Given that I am currently in the process of purchasing a home, and so can not freeze my credit to keep me safe, this is even more impactful.
Complaint sub-issue: Information belongs to someone else

I had applied for a loan from XXXX and already paid the amount through the customer service. Now i see a negative credit remark on my credit score from this collection Agency called " XXXX XXXX XXXX  '' and an amount due which has already been paid long time ago. I had been harassed with calls. I tried to dispute before and i did it but the calls and the bad remark on my credit has not been removed yet. The amount was paid and i also tried to apply for a new loan from XXXX  but was denied. Then the collection calls from XXXX started
Complaint sub-issue: Account information incorrect

i refinanced my home on XX/XX/XXXX with XXXX XXXX XXXX ( XXXX ) in the amount of XXXX dollars. XXXX did not payoff and satisfy the XXXX XXXX as stipulated in the Promissory note recorded by XXXX on XX/XX/XXXX. XXXX has been falsely reporting to the 3 primary credit reporting agencies ( XXXX, XXXX, and Equifax. ) XXXX has been claiming I have 2 loans with their bank since day one and I am presently indebted to XXXX in the amount totaling XXXX dollars. XXXX has been reporting my mortgage loan erroneously by variously titling my single transaction as a Real Estate- Jr. Lien/ Non Purchase Money loan while simultaneously retiling the same transaction as Installment Account Open, On XX/XX/XXXX XXXX and their attorneys XXXX XXXX XXXX XXXX , XXXX XXXX XXXX refused to pay XXXX the outstanding balance and proceeded to demand XXXX to " charge it off to me and release the satisfaction statement to XXXX. XXXX has exaggerated my indebtedness and has caused irreparable harm to my credit worthiness. I disputed with the 3 primary credit bureaus? ( XXXX, XXXX, and Equifax ) I also asked XXXX to correct errors and they failed to do so.
Complaint sub-issue: Problem using a debit or ATM card

I submitted a fraud claim because there were numerous unauthorized transactions on my account and the bank refused to do anything about it.
Complaint sub-issue: Reporting company used your report improperly

XXXX has violated my rights.

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Public record information inaccurate

Greetings, I never heard of Clarity services not until I was trying to get an approval for furniture that I need for my new house. They are reporting inaccurate report about me to the company I was trying to get credit with. I called them to ask why that my bank account that I have since 8 years is not accurate as they said and they told me that at times it is because of military services which do n't make any sense. They need to remove fro they file because I do n't know who they are and they are being paid to report negative items on individual 's credit profile.
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Clarity services is a ripoff and they are reporting XXXX report so the same report is reported twice on my credit file. Shame on you.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX, XXXX, Equifax XX/XX/18 Dear Sir or Madam/To Whom it may concern, You have listed inaccurate items on my credit file and I need to have them removed as soon as possible. These inaccurate items ( listed below ) are affecting my credit score and livelihood. Please delete these immediately. 

Here are the erroneous accounts you have listed. Please delete the following : XXXX XXXX XXXX Accounts : 1. Cable Bill? XXXX XXXX XXXX   Account # XXXX 2.Phone Bill? XXXX XXXX XXXX Account # XXXX 3.Medical Data XXXX XXXX XXXX XXXX , Account # XXXX Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. 

I appreciate your time and attention to this matter. 
Sincerely, XXXX XXXX Social Security Number
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is illegally and dishonestly stating they are unable to locate a credit file for me with the same identification Ive used for XXXX years my social security number and card and my valid and legible drivers license. I have since XXXX attempted to have them remove inaccurate and misleading credit information with dispute letters and the proper identification they are still lying that they cant locate a file for me. Im tired of this and now Im going to also file a complaint with my states attorney general and contact a lawyer to sue them
Complaint sub-issue: Information belongs to someone else

I was made aware of some accounts and inquiries on my credit report that do not belong to me ; the reason I found out that there were accounts/inquiries on my report that I never opened is because I had my credit ran at the XXXX dealership today XX/XX/20 and because of the accounts I listed on this report, I was not approved for the auto loan. I don't know who these accounts belong to since I have never given anyone permission to open these or any other accounts in my name. I did not benefit anything from these accounts ( money, goods, services, any other benefit/privilege ) nor did I contribute to any payments that might have been made towards these accounts. I do not have any contract or affiliation to any of the companies listed on this report and I never allowed them to run my credit. I have already filed a police report regarding these suspicious accounts.
Complaint sub-issue: Contacted you after you asked them to stop

They keep emailing me day in and day out trying to collect on a debt that has been written off by the company as a loss. I asked them to stop her they still try to contact me by email daily! I cant open my email without seeing them and having a panic attack.