Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Investigation took more than 30 days

1. The status is incorrect for the following account XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Under 15 USC 1666B this is a billing Error always paid as agreed on time this is an error this account in Violation.

2. The following account is not mine XXXXXXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 
3. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681.

4. The following account is not mine XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681.

5. The following account is not mine XXXX  XXXX Account Number : XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681.

6. The following account is not mine XXXX  XXXX Account Number : XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681.

7. Validate Account Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting. 
8. Validate Account Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting. 
9. Validate Account Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting. 
10. Validate Account Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting. 
11. Validate Account Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting. 
12. Validate Account Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting. 
13. Validate Account Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting. 
14. Validate Account Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting. 
15. The following accounts were closed by me and should state that XXXX XXXX XXXX XXXX  Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting.
Complaint sub-issue: Didn't receive enough information to verify debt

In XX/XX/2018, I sent a letter EOS CCA and asked they send me verification ( contract/lease/signed statement ) of this debt and they sent me a bill. In XX/XX/2018 I sent a second later and have not received anything back from them.
Complaint sub-issue: Account status incorrect

I have a credit card with XXXX XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30 day late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX XXXX XXXX with no successful resolution. XXXX Equifax, and XXXX reporting me 30 days late on XX/XX/2018. There was an error on their part. I was never late.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I did not authorize any of these inquiries XXXX Invalidated/unauthorized inquiry please delete from my credit report. XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my consumer report and credit file. XXXX. Invalidated/unauthorized inquiry please delete from my credit report. XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my consumer report and credit file. XXXX. Invalidated/unauthorized inquiry please delete from my credit report. XXXX Date of inquiry : XX/XX/XXXX Please remove it from my consumer report and credit file. XXXX. Invalidated/unauthorized inquiry please delete from my credit report. XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my consumer report and credit file. XXXX Invalidated/unauthorized inquiry please delete from my credit report. XXXX Date of inquiry : XX/XX/XXXX Please remove it from my consumer report and credit file. XXXX Invalidated/unauthorized inquiry please delete from my credit report. XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my consumer report and credit file. XXXX Invalidated/unauthorized inquiry please delete from my credit report. XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my consumer report and credit file. XXXX  Invalidated/unauthorized inquiry please delete from my credit report. XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my consumer report and credit file. XXXX Invalidated/unauthorized inquiry please delete from my credit report. XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my consumer report and credit file. XXXX Invalidated/unauthorized inquiry please delete from my credit report. XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my consumer report and credit file. XXXX Invalidated/unauthorized inquiry please delete from my credit report. XXXX Date of inquiry : XX/XX/XXXX Please remove it from my consumer report and credit file. XXXX Invalidated/unauthorized inquiry please delete from my credit report. XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my consumer report and credit file. XXXX Invalidated/unauthorized inquiry please delete from my credit report. XXXX Date of inquiry : XX/XX/XXXX Please remove it from my consumer report and credit file. XXXX Invalidated/unauthorized inquiry please delete from my credit report. XXXX Date of inquiry : XX/XX/XXXX Please remove it from my consumer report and credit file. XXXX Invalidated/unauthorized inquiry please delete from my credit report. XXXX Date of inquiry : XX/XX/XXXX Please remove it from my consumer report and credit file. XXXX. Invalidated/unauthorized inquiry please delete from my credit report. XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my consumer report and credit file. XXXX Invalidated/unauthorized inquiry please delete from my credit report. XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my consumer report and credit file. XXXX  Invalidated/unauthorized inquiry please delete from my credit report. XXXX Date of inquiry : XX/XX/XXXX Please remove it from my consumer report and credit file.
Complaint sub-issue: Old information reappears or never goes away

In a previous complaint about Equifax they responded and said the accounts were removed and not reporting. That was false and the accounts are still showing.
Complaint sub-issue: Trouble getting, activating, or registering a card

US XXXX was supposed to send my unemployment debit card on XXXX. As of today, i have not received. I have called 35 times in the last month and after waiting over 2 hours each time, the call disconnects. I have written the Senator a week and a half ago with no response. I have 8 unemployment claims that have been approved by the state, i am unable to access funds due to no card!
Complaint sub-issue: Information belongs to someone else

I disputed this on XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, DE XXXX and they didn't respond to me at all. I asked them to remove themselves off of my credit report. Since they didn't send me any validation. I wrote them letters and mailed to them ... and I guess they ignored me. 

XXXX XXXX is the same... they ignored me. They won't send me any validation to let me know if this is correct. I had to call them and I attached the TTY transcript, it showed that they promise to send me validation in the mail. 
I told them that the date of birth isn't mine. And I have never applied in Mississippi in XXXX to get credit card from them.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I was set to travel with XXXX XXXX XXXX in late XXXX of this year. It was business class seats for two for XXXX dollars each. The first time in my life that I bought business class seats. My flight was canceled by COVID protocols. I understand these are not normal times but I do wish my tickets refunded as the flight was canceled nearly 6 months ago. 
I asked via XXXX website back on XX/XX/XXXX about the transaction but the automatic response did not help at all and I was forced to call. I was told I would get a refund shortly. Months passed and I used Discover  's dispute option as I did not fly with XXXX XXXX, get my money back, or even received a credit. 
The first dispute went in favor of XXXX XXXX and I called Discover back to escalate the situation in XXXX. The representative said they should escalate it because I did not get the goods or services I purchased. 
By XXXX I was told that they had still sided with XXXX XXXX because XXXX XXXX claimed it was XXXX 's fault and they need to issue the refund. 
I called XXXX back after the ruling and said they would look into it and I should get a refund by 8 weeks. 
I then called again on XX/XX/XXXX and they now state that they did not follow up on the issue after the first call for a chargeback in XXXX. 
However, they state it is XXXX XXXX who is supposed to pay. I once again tried to discuss this with Discover and they still ruled in favor of XXXX XXXX. 
I am running out of legal recourse other than calling a lawyer at this point. I have three companies fighting and no one who is not helping the consumer. I have tried to contact XXXX XXXX but the process will take 21 days to get to my email.
Complaint sub-issue: Reporting company used your report improperly

My credit karma account has been fraudulently accessed by identity thief. There is no way for me to restore my access to credit karma despite numerous attempts due to hacker changing profile. Credit Karma has no phone number. I have filed emails to customer service everyday for 20 days and the hacker is still in my account. This all has occurred during XX/XX/XXXX This is critical to my financial well being due to the fact that the hacker is seeing all my accounts, and has hacked into ALL MY ACCOUNTS over and over I have had to close several accounts and I have had to change my bank account 5 times in 20 days. I can no longer transact anything online. STILL the hacker finds my accounts because they are in my Credit Karma. Credit Karma should not be allowed to operate since there is NO PHONE NUMBER and they do not call back when you follow the correct channels. Hacker hacked that email I was using with Credit Karma so the hacker is probably receiving EVEN MORE INFORMATION by getting any responses by Credit Karma. It is vital Credit Karma is shut down since there is no way to contact them.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple 3 Bureaus Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Complaint sub-issue: Their investigation did not fix an error on your report

My Ch XXXX was filed in XXXX and paid in full and discharged in XXXX. It shows discharged with the 3 CRA 's. Asking for the information to be Early Exclusion. XXXX removed it from my credit report last year and here 's the Company 's Response Thank you for submitting your complaint on XX/XX/XXXX, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. 
We have reviewed and considered the information, including the four attachments, you have supplied through the CFPB portal and directly to XXXX. In your complaint, you indicate that there is a bankruptcy on your report as a result of fraud. You stated that you have asked how the bankruptcy was verified and have gotten no answer. You stated that the court does not verify any information. You would like the account deleted from your report. Per your request to conduct an investigation, we contacted the public record vendor to verify the accuracy of the information with which you disagree. The bankruptcy has been deleted as a result of our processing of your disputes. A summary of your results was forwarded to you on XX/XX/XXXX XXXX
Complaint sub-issue: Billing dispute for services

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney  in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX  Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Complaint sub-issue: Problem during payment process

On XX/XX/XXXX I paid my Citi card off in full {$1300.00} dollars I used citi app. The payment didn't go through, so I did it again this time it took.When I checked my XXXX  checking account City withdraw {$1300.00} twice.i called city and they would fix the problem in 2 days, today is XX/XX/XXXX and I still haven't received the money into my checking account.I spoke to representative XXXX XXXX and he said it's going to take 2 more days to send the money back to XXXX Bank.I had 1 overdraft which Citi refunded me and now I have a second one because I thought the problem would be solved by now.Not only has it been a big inconvenience but it may hurt my credit score.
Complaint sub-issue: Problem with statement of dispute

This is the XXXX time that I have contacted XXXX in regards to inaccurate negative information on my credit report. The information being reported is erroneous. First of all XXXX XXXX XXXX is not the original creditor. SLU care is and I sent a letter to XXXX as well as the other XXXX credit bureaus which have removed this information from my report. However XXXX is refusing to do so with documentation presented by the creditor. I have been dealing with this issue since XXXX to no avail. the following information is their response to the dispute after being presented with a letter from the creditor that indicated a 100 % financial assistance for XXXX yr and a XXXX balance on my account with them XXXX XXXX XXXX XXXX : XXXX ... Outcome : Updated Dispute Status XXXX credit report prepared forFAILS, XXXX XXXX report number XXXX date : XXXX XXXX, 2015 Credit Report Toolkit : Credit EducationThis link opens a new browser windowKnow your rightsThis link opens a new browser windowListed below are the current disputes we have received from you. 

Results Due : XXXX Method : XXXX XXXX Items XXXX Number : XXXX ... Outcome : UpdatedPlease note that certain items may not display until later because they required additional processing.
Complaint sub-issue: Information belongs to someone else

I 'am a victim of identity theft. This account doesn't belong to me. I never heard of this company or done any business with them. Someone is using my credit to purchase items fraudulently. I was alerted by XXXX someone was trying to apply for a credit card in my name. I have attached my FTC report items that are fraudulent. I demand immediate removal.
Complaint sub-issue: Debt is not yours

On XX/XX/2020 a letter from XXXX XXXX XXXX XXXX was mailed to me with a claim that I owed a total of {$2900.00} for a Citibank credit card that I have never owned. 

I contacted XXXX XXXX XXXX on Thursday, XX/XX/2020 to dispute the charge and was informed that I should contact Citibank directly because that is where the account originated. 

I contacted Citibank on Monday, XX/XX/XXXX to trace the alleged credit account and was informed that there was no record of me having an account. 

Please inform me of next steps! 
XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXXXX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX  appears on my report and I have requested these fraudulent accounts be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. These accounts are keeping me from buying a new home and making it impossible to move forward with my life. 

1. XXXX XXXX - no balance is showing, account partially listed - XXXX, dates listed open is XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this 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 fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico 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 n i made this clear for 60 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 us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three 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 abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 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 n now im XX/XX/XXXX n cant provide to my XXXX XX/XX/XXXXdaughter PLEASE HELP ME PLEASE imXX/XX/XXXX now.with no help.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX I made a {$230.00} payment to SUNBIT and it was to pay it off in full and it never was added to the account and I made purchase after that and I looked at the amount due on the XXXX of XXXX and the rep said I should not be able to pay XXXX dollars it should be {$100.00} total payoff and I made purchase on the XXXX of XXXX and it said I still owed the same amount and I frauded a charge out they close the account and never issued the amount back after they closed the card and issued another one and I added all up the transaction today XX/XX/XXXX and I should only owe {$250.00} not {$300.00}
Complaint sub-issue: Investigation took more than 30 days

XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX AF - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX FCU - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX FCU - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Complaint sub-issue: Account information incorrect

I have sent letters to the three credit agencies ( Equifax, XXXX, and XXXX ) concerning my negative items on my credit report on XX/XX/2017 and neither have sent me information verifing my negative items bearing my name.
Complaint sub-issue: Public record information inaccurate

There is a public record on my consumer report I do not recognize. I contacted the courts and they said that the information I gave them does not match. I never filed bankruptcy. Can you please provide proof from the court of this public record.