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

Equifax = under investigation for improper credit reporting. Credit Reporting is what they DO!! WHAT? That would be like CFPB not doing their job!!! No public statement from them to address what occurred and when?? Starting to sound like the crooked bunch I have suspected for years -- their silence tells me all I need to know... They will get a slap on the wrist ... shell out a XXXX  XXXX in fines and then a ruling to reimburse some a XXXX XXXX and NOTHING changes... But, it's ok they will release a new phone app that allows people to buy a higher credit rating that they can then go and report incorrectly .... America is really GREAT now!!
Complaint sub-issue: Account information incorrect

I had this account closed. I was refunded security deposit in the amount of {$1000.00} via check. Im requesting that this account be removed immediately. It has no use showing on my credit report.
Complaint sub-issue: Was not notified of investigation status or results

After sending information to verify myself with my disputes, as of XX/XX/XXXX Equifax has not investigated or responded to the following issues on my credit report at all. They have violated the FCRA 30-day-to-respond regulation. The creditors have attempted no contact with me resulting from said investigations. If I must, I will take legal action but I want to create a paper trail.  Please see items below ACCOUNTS XXXX XXXX XXXX never late XXXX/XXXX XXXX not mine XXXX/XXXX  XXXX not mine XXXX XXXX XXXX never late US DEPT ED XXXX not mine US DEPT ED XXXX not mine US DEPT ED XXXX not mine US DEPT ED XXXX not mine US DEPT ED XXXX not mine US DEPT ED XXXX not mine US DEPT ED XXXX not mine INQUIRIES XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX COLLECTIONS XXXX XXXX XX/XX/XXXX not mine
Complaint sub-issue: Didn't receive terms that were advertised

I received a mail-in offer from Citi Bank promising a {$300.00} cash bonus if I opened a Citi Priority Checking Account. The qualifying activities required to receive the bonus were ( 1 ) make {$750.00} worth of purchases on the debit card, and ( 2 ) make 1 or more bill payments for 2 consecutive calendar months. I completed these activities and I have not received the cash bonus.
Attempts to resolve this issue with Citi Bank customer support : XX/XX/XXXX Spoke with XXXX + Supervisor @ XXXX Details : During the call XXXX XXXX filed an investigation, they also directed me to mail a letter to their HQ at XXXX XXXX XXXX , XXXX XXXX TX . Later I received a letter stating that the claim was denied. 

XX/XX/XXXX Spoke with XXXX Confirmation # : XXXX Details : During the call a second investigation was filed. Later I received a letter stating that the claim was denied because the offer was not attached to my account. 

XX/XX/XXXX Spoke XXXX Confirmation # : XXXX Details : No further resources left, claim is still denied. No payout of the promised {$300.00} cash bonus.
Complaint sub-issue: Was not notified of investigation status or results

These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX  since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 50 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me.
Complaint sub-issue: Information belongs to someone else

I've been disputing XXXX for a balance of XXXX for what seems like forever they allowed someone who couldn't have shown identification to get service and want me to pay for it it's unfair for me to be paying for there mistake and to have it on my report
Complaint sub-issue: Deposits and withdrawals

The bank confirms that the funds ( $ 34K+ in principal deposits ) in my company 's savings account are " on the ledger '' but that they are " not available. '' Regrettably, they can not advise as to why, or what needs to be done in order for the funds to be released. I repeatedly went to the Citi branch in XXXX, California and they advised me it was a " fraud '' issue. I called Citi fraud and they confirmed there was no fraud and noted on the account that there was no hold from their department. The branch then tried to call various Citi departments to get an answer but was unable to do so.
Complaint sub-issue: Information is missing that should be on the report

Equifax and XXXX XXXX XXXX failed to report last known delinquency again!
Complaint sub-issue: Debt is not yours

Complaint against FiServ for submitting false statements to Federal Authority CFPB and RESPA, FDCPA and RICO. 

I submitted my complaint against FiServ XXXX XXXX XXXX XXXX FiServ XXXX and XXXX who during at least last XXXX XXXX years send me billing statements on XXXX XXXX XXXX XXXX letterheads where FiServ instructs me to send my payments to certain XXXX XXXX XXXX, some of which are rented by XXXX under XXXX XXXX  name. 

My payment are collected by XXXX and processed by unknown to me employees in secured centers who direct my payments to unknown to me beneficiary -without any reduction of my alleged " debt '' or any credits to my escrow account. 

Most recently someone acting under name of XXXX is sending me XXXX mail  with flagrantly fake documents " from XXXX '' while XXXX  does not have any records of these documents or my alleged " loan ''. These letters are coming from XXXX XXXX in XXXX XXXX. 

Under RESPA FiServ acts as a Servicer who for some reason prepare and send me billing statements while another company, XXXX, pretends to be a Servicer without any servicing functions. 
Under FDCPA FiServ is a debt collector since they collect from me " debt '' Under RICO, this debt is a non-existing debt for unknown to me party and collected for unknown to me " creditor '' using threatening letters from Fiserv XXXX Moreover, FiServ XXXX XXXX sent me a letter from a lawyer ( who did not sent it ) threatening me with legal actions if I do not sign promise to pay XXXX who has absolutely no relationship to my " loan '' which nobody can find. 

But FiServ, who has dozens of shell point nest doll corporations across the Country, said that my Complaint does not belong to them. 

FiServ must explain to me and CFPB why my complaint does not belong to them if all " billing statements '' on XXXX letterheads are prepared and mailed to me by FiServ XXXX XXXX and I have material proof for it. As well as letters on behalf of " lawyer XXXX '' and " XXXX XXXX '' which were sent to me by Fiserv XXXX XXXX.
Complaint sub-issue: Can't use card to make purchases

I ran into some trouble paying the card due to the coronavirus and now they wont reinstate my card and are saying that its going to keep being periodically reviewed which is complete lies. So they are stealing my money
Complaint sub-issue: Account status

I had an account with XXXX that became 30 days delinquent in XX/XX/XXXX. The account was never brought current and reported negatively on my credit report until the account was paid in full in XX/XX/XXXX. According to the FCRA 623 ( a ) ( 5 ), this account should be removed from my credit report. It has been re-aged by the original creditor to reflect a different date of default The account has been aged more than seven years from the original date of delinquency and should be removed from my credit report.. I have supplied a copy of my credit report from XX/XX/XXXX showing the original status of the loan, prior to it being paid in full.
Complaint sub-issue: You never received your bill or did not know a payment was due

In 2017 we canceled our card due to fraud and requested a new one. We continued to make payments on the account but they were only applied to new charges on the new account, resulting in the previous account being charged off as bad debt. This was all due to an internal glitch at Citi which was eventually resolved on their end, but negative credit reporting still exists. Please see attached correspondence..
Complaint sub-issue: Account status incorrect

Since XX/XX/XXXX Ally Auto XXXX tried to debit over {$3000.00} out of my account instead of {$660.00}, my normal payment. After XXXX contacted me about the unusual amount trying to be debited from my account Ally Auto has insisted that I have been behind in my payments. Ally has stated that since XX/XX/XXXX I have not been paying within the 30 day thresh hold but yet and still my online mobile account shows payments for each month, late but paid. 
There was a question about a returned payment for XX/XX/XXXX. After sending the bank statement ( redacted ) which displayed the payment was available and withdrawn by Ally Auto, my credit report has been tarnished drastically by Ally Auto stating I am 4 months behind. I have all of the payment receipts and bank withdrawals. 
There were times when Ally would debit the account due to autopay before my direct deposit was there and the bank would not honor the payment. I would manually make the payment the same day later in the afternoon and Ally would resubmit the payment through the bank and it would come back as insufficient because I would have made the payment manually.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifix is reporting me late on both of my student loans after I paid them off. These marks are ruining my credit. They are reporting me late 90 days 28 times. 28!!!! TIMES They agreed to remove these marks if I paid them. I have tried to contact the lender but they just give me a different address every time I try and contact them. I attached Equifax images showing 28 90+ day lates and all the addresses they use so they never respond to me
Complaint sub-issue: Information belongs to someone else

THE DISPUTED ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME, THOSE ACCOUNTS NEEDS TO BE REMOVED OFF MY CREDIT FOR THEY HAVE CAUSED TREMENDOUS DAMAGE TO MY CREDIT. PLEASE INVESTIGATE THIS MATTER AND HAVE THE DEROGATORY ACCOUNTS OFF MY FILE
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 XXXX credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Date Opened : XX/XX/2019 Balance : {$0.00}
Complaint sub-issue: Account status

XXXX county child support opened a case against me in XX/XX/XXXX when they started taking child support out of my checks. I was then XXXX in XX/XX/XXXX and they continued to take child support I was never late or ever sent into collections. I still have a charge off on this account on my credit report the case was closed XX/XX/XXXX an report was added to the credit report in XX/XX/XXXX due to my child turning XXXX and no longer pay child support but still shows as a disputed on my credit report. I contacted child support enforcement which is listed as the creditor on the report. They stated I would have to contact the credit reporter to have this removed. I have a letter from Social Security Administration stating we no longer take payments out of me for child support due to the court sent an order to stop withholding. I would appreciate this being remove from my credit report due to its negative effect on my credit standings.
Complaint sub-issue: Talked to a third-party about your debt

XXXX My brother received a letter in his familys name that was attempting to collect my credit card debt. The paper inside included my name, the credit card number, and the amount due.
Complaint sub-issue: Account status incorrect

This company has mislead me to apply for credit cards, installment loans and car loans only to get denied. The company claimed I was pre approved each time. I have ao many derogatory marks due to the company pressure to apply with a guaranteed approval to not have anything. Plus the would report my score was one thing. Went to a dealership and my score was almost 100 points lower. So disappointing and frustrating when your trying to be a independent American. Credit karma
Complaint sub-issue: Investigation took too long

Please, can someone here help me communicate properly with Equifax. I keep trying to explain to them that XXXX XXXX and XXXX are extremely outdated and over and over again they claim that they are unable to process any more disputes regarding the XXXX accounts, which need to be deleted from my file, on the grounds that they have " investigated '' them already. XXXX help me, I can not see what they investigated, how they investigated and who investigated it and how. If XXXX had indeed investigated these XXXX trade lines they would plainly see that the accounts are well passed statue of limitation and the 8 years mark. But they refuse to take action. Why? This is talking too long, and I gave nothing to show for my struggle nor do I believe the people at Equifax. This is bogus ...
Complaint sub-issue: Debt was result of identity theft

Enhanced Recovery Corp  is the agency representing  XXXX  who is the original creditor for this account collected against me for the amount of {$1500.00}. I found out that they reported it again by  XXXX ,    2016.  I have sent letters and complaints about this account ; I have being asking for  XXXX  to open an investigation since the time the transaction was done to find out who steal my identity, also how and where they did it?, I am trying since yeas ago without any success. In fact, they refused to open an investigation and still forcing me to pay for  XXXX  devices I never purchased in firs place. I am statementing that I have being a victim of Identity Theft and harassment from  XXXX  and  XXXX  collection agencies related. I need help, please. This is illegal and unfair.
Complaint sub-issue: Card was charged for something you did not purchase with the card

Someone opened a Macys credit card account under my name without my knowledge. I am receiving notices from a debt collector of {$300.00}.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$2600.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 


-- AUTO LOAN OR LEASE 3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Information belongs to someone else

I have been a victim of identity theft and I noticed new accounts on my credit report. 
I have sent in a Federal Trade Commission Report to have the items removed direct to the credit reporting agency and they are still have not removed it from my credit report.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

On XX/XX/2020 I attempted to Transfer funds to my XXXX XXXX account with my ReliaCard. I called XXXX XXXX just to make sure my money got there and they said the account was closed also that I should get the money back within two days. I called ReliaCard sat on hold with them for three hours in total and three different calls and I still did not get an answer and I also did not receive the funds back in my Reliacard account.Every other service is excellent. This is not a complaint with their company in general I just would like my money and I also have screenshots of the day I Transfer the funds and the hours I sat on the phone.
Complaint sub-issue: Reporting company used your report improperly

I do not recognize having any agreement with vance and huffman llc and i am not liable for these accounts, This alleged debt is not mine i never enterted into signed agreement or completed an original contract with vance and huffman .This inaccurate collection NOT MINE.I never provided any written consent or premissible purpose for this allege creditor to report on my credit report .I Am THE ORIGINAL CREDITOR and THE ONLY ONE who can extend credit or permission to report to my consumer report.This is a violation of us code 1681b premissible purposes of consumer reports.Pursuant to 15 u.s. code 1681b ( a ) ( 2 ) -permissible purpose, of consumer reports. ( A ) in general subject to subsection ( c ) any consumer reporter agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with written instructions of the consumer to whom it relates.This is a violation and also identity theft! 15 U.S.C 1681 c-2 - block of information resulting from identity theft.You have no rights under the law to send me any type of communication immediately.further more you are attemping to collect an alleged debt where so called oringal creditor has falsely represent character other violations under 15 usc 1692 e that are implementing your self. Violation :15 usc 1692b ( 5 ) ,15 usc 1692 ( 2 ) ( A ) ,15 usc 1692e ( 3 ) ,15 usc 1692 ( 10 ) ,15 usc 1692 ( 11 ) if your office fails to respond to this validation requst within 10 days from the date of your receipt, all references to this account must be deleted and completly removed from my consumer report or attorney general will be contacted
Complaint sub-issue: Information belongs to someone else

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

Procollect continues to harass me and defame my name by reporting a negative account that does not belong to me. I disputed this erroneous account and asked for them to send me some validation because I know this does not belong to me. They sent a paper with XXXX different names on it, neither belonging to me. This is a phantom account that they have bought and are now trying to place on me. I will not pay something I do not owe and I am exercising my rights by asking for a proper investigation. Their time is up and this erroneous file needs to be deleted and they need to be held accountable for breaking the law!
Complaint sub-issue: Other problem getting your report or credit score

XX/XX/2021 - XXXX XXXX XXXX company was not able to pull my credit report from equifax to approve me for loan - this was attempted at least 5 times. 

My information is all correct and matches the equifax profile when logged in. 

XX/XX/2021 called equifax twice and was told they will not speak with me on the phone and that I need to write a letter with my ID to ask questions about why the mortgage lenders are not able to pull my file. They gave me a 30-40 day turn around time
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, Wisconsin XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX To whom it may concern, Im writing this letter to dispute the following accounts : 1. FDCPA section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 2. 15 U.S. Code 1681n Civil Liability for willful noncompliance XXXX  XXXX Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 3. 15 U.S. Code 1692g Validation of debt XXXX XXXX XXXX Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 4. 15 U.S. Code 1692g Validation of debt XXXX  XXXX Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 5. FDCPA section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 6. 15 U.S. Code 1692g Validation of debt Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 7. FDCPA section 807 Violation Misleading False Reporting XXXX XXXX  Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, Wisconsin XXXX Thank You Sincerely yours, XXXX XXXX