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

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Complaint sub-issue: Their investigation did not fix an error on your report

National Collegiate Trust is reporting to credit bureaus that the student loan I co-signed on is charged-off and transferred to another lender. It was not transferred to another lender and the account is currently being collected on. My brother-in-law was taken to court by NCT on XX/XX/2020 and ordered to pay it. Their law firm, XXXX XXXX represented them in this matter. Prior to the court date, ( I did not know they were taking my brother-in-law to court ), I made 3 attempts to call the law firm and settle the debt because this false claim is keeping me from obtaining employment. NCT did not take me to court or inform me of a court date in any form. This is because, in my attempts to settle the matter, XXXX XXXX told me and my brother-in-law that they are not licensed in Washington state and can not collect from, contact, or pursue me in anyway. Following the court order for my brother-in-law, he received the payment plan, pertaining only to him. He has made the first payment and accepted the new terms of the loan. I then called XXXX XXXX requesting that they provide me with documentation of their claims that they are not licensed in Washington state and can neither collect or pursue me. They refused, they transferred me to a lawyer that I left a detailed message for and never returned my call. Their website does say that their lawyers are only licensed to practice in the states listed in their individual profiles. Further down it lists each lawyer with their licensed state, none of which are Washington, XXXX. National Collegiate Trust has no contact information and you must go through whatever law firm they have hired to speak with anyone. I have filed disputes with XXXX  multiple times and my report does not change. Therefore, I must assume that National Collegiate Trust is reporting false information as their law firm has stated to my brother-in-law, that the account is in an active-repayment status or NCT is illegally collecting on a loan that they no longer own and we are unable to track down who might.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

It has been several credit inquiries from companies listed on my credit report with XXXX credit bureau, I have called and talked to customer service that were unable to provide with any information about these inquiries. I was told that they don't have any record of pulling my credit. I contacted the customer service numbers listed on my report. I have a fraud notification on my report that companies are supposed to call me for verification. These inquiries did not result in any loan or card being dispersed. 

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

Hello, This complaint involves the three credit bureaus I sent 2 letters to all three credit bureaus about identity theft and foreign information on my account. I spoke to them on the phone, as well as, sent disputes along with police reports and correct information. The wrong information remains on my credit report and it I causing a negative effect in my life. 
XXXX : There is foreign wrong address and an identity theft creditor on my account. I have an affidavit for this account. Also there are inquiries from my credit report that were not mad by me, they were from identity theft. 

Equifax : There is another wrong address which is foreign to me, along with the same creditor of XXXX XXXX which is identity theft. 
XXXX : The same creditor XXXX XXXX ( identity theft ; fraud ), and XXXX is on my report ; along with inquiries from XXXX, that were not made by me. 
The only response that I received was extending a credit freeze and they updated a personal statement on one of my credit report.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2020 I purchased a flight and resort stay through XXXX  for the amount of {$3300.00}. It was then cancelled without a refund due to closing of the company on XX/XX/2020. I made a dispute through my citi bank credit card on XX/XX/2020 as advised by both XXXX and citi customer service. On XX/XX/2020 I received a denial of money due to being in merchants favor even though I did not receive my goods or services. I verified this through the airlines and resort on the date of XX/XX/2020 previous to taking further action in disputing through Citi cards. I also received an email verifying the cancelation on XX/XX/2020.
Complaint sub-issue: Debt is not yours

{$580.00} for XXXX  is not my debt, I have received no communication for any debt owed.
Complaint sub-issue: Information belongs to someone else

I was the victim of identity theft. I have submitted the proper documents to prove it and nothing has been solved.
Complaint sub-issue: Information is missing that should be on the report

Over years I have requested that they and my XXXX address. 
I complied with their document requirements to the fullest. 
Still nothing.
Complaint sub-issue: Reporting company used your report improperly

Hello, I sent several complaints out about bankruptcies being on my credit report. XXXX # XXXX and # XXXX was obtained through the XXXX XXXX which is against consumer law 15 U.S.C 1681a ( e ). 
XXXX XXXXXXXX was removed from my XXXX Report on XX/XX/2022 that came back as unverifiable but also stated in same letter that # XXXX was verified? How is that when the bankruptcy courts don't furnish that information and I never gave permission per 15 U.S.C 1681 Section 604 A Section 2 to XXXX to provide my XXXX XXXX  to the credit reporting agencies.
Complaint sub-issue: Debt was result of identity theft

Debt not validated I contacted ERC to have them validate an unknown credit collection account ( XXXX # XXXX ) that I saw on my credit report. Upon asking them to validate the debt and send a signed copy of the contract with my signature on it they instead sent me a bill and documents related to the collection account but no signed contract from the original creditor
Complaint sub-issue: Problem with balance transfer

I initiated a balance transfer from my US Bank visa credit card to my XXXX XXXX credit card in XX/XX/2022. XXXX XXXX sent a check for {$3800.00} on XX/XX/2022. US Bank sent info to XXXX XXXX saying they received it and it was processed on XX/XX/2022. However, the account number was apparently wrong on the check. They claimed they figured out the account didn't exist, so they never processed the check, and it was sent back to XXXX XXXX on XX/XX/2022. It was sent back to the co-op address listed on the check, so it wasn't an actual XXXX XXXX branch or facility. I have been dealing with this since the beginning of XXXX, and I have been going in circles with both banks. Initially, US Bank said they never even received the check, but now theyre telling me they sent it back XX/XX/2022. I have had double the minimum payments, more money spent in interest charges than money on the card for US Bank, my credit usage on my credit report doubled overnight and has stayed there for 3 months even though it's false, all while giving XXXX  to my son and he and I being in the hospital on and off for over a month due to complications. I'm beyond frustrated and at a total loss of what to do. Both banks have representatives who seem to want to help, but no one is ever able to get any answers or gets contradicting information. I have called US Bank and gone into branches over a dozen times the last few months and I've halled XXXX XXXX  a handful of times. All because I filled out a balance transfer request online and it combined the date it was being transferred with my credit card number. It was a long list of numbers, and half of them were zeros. Only last XXXX numbers of the credit card were correct.
Complaint sub-issue: Fraudulent loan

I've just received my credit report and noticed unauthorized items that shouldnr be on my credit profile. These have been terrible times during this pandemic
Complaint sub-issue: Their investigation did not fix an error on your report

I reached out to Equifax and advised I was A victim of identity theft ( Attached identity theft report ) and as A result there are multple hard inquiries on my credit report that are fraudulent and that I did not authorize. The company said they did A in investigation after I submitted my dispute and none of the fraudulent hard inquiries where removed.
Complaint sub-issue: Talked to a third party about my debt

After I spoke with the representative and told her that I disputed the debt, she called my consulting colleague. She spoke to me on my cell so there was no need to call anyone else. 
The previous week I told Financial Management Services Representative that I had never received a written demand for payment or description of which loan this debt addressed. I received a written bill and told her on this call that I was disputing the debt.
Complaint sub-issue: Problem accessing account

On XX/XX/XXXX, Citibank retired the online " Financial Tools '' suite that had been available to banking customers since XXXX. They provided minimal notice to users. I have used the tools to categorize and track my banking transactions for the past 10 years, including tracking tax-deductible charitable contributions. The online portal only allows a user to export 18 months worth of transactions in formats like XXXX, XXXX, XXXX, XXXX, and others. On a support call on XX/XX/XXXX, they told me that they will not export transaction history for the past 10 years in any format except a PDF. When I requested an email for a support desk where I could work with someone to get my data exported to one of the non-PDF formats, I was told requests for data older than 18 months are only handled over the phone, and the data will only be sent as PDFs of old statements. I spent many, many hours over the last decade updating and annotating my transaction history data in the Financial Tools system. Now I can not even export it to put it into a different tracking system like XXXX or XXXX. XXXX, XXXX, and other online service providers have features to allow you to export the data associated with your account. Why isn't my bank of 13 years required to do the same?
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXXXXXX 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 account # starting with XXXX, XXXX XXXX XXXX Account # starting with XXXX, Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : it also States a consumer Reporting agency can not furnish an account without my written consent or instructions.
Complaint sub-issue: Debt is not yours

I got a XXXX alert that my credit report has " changed. '' Incidentally, when I signed in, I saw a Hunter Warfield collection. It had raised approximately {$25.00}. I was not aware that it was there. I have never purchased any products or services with this company. ( I have been a victim of identity theft  in the past, so this is likely a product of that unfortunate experience. ) Nevertheless, I observed that the amount they are attempting to collect is in excess of what they say the original balance was by {$1400.00}. ( {$5700.00} and XXXX respectively. ) And the site displays a difference of thirty-five per cent. This creditor ( whomever they are ) is in violation of the Truth In Lending Act because raising the balance they are attempting to collect requires notification of charges to the consumer. {$1400.00} is excessive, even for someone that would have even incurred the original debt. I have received nothing by mail, nor any other collections conduit to have been notified of said " balance increases. '' Furthermore, it is only recently ( the past week ) that I have taken notice of the XXXX dollars. Presumably, this has been going on for several years, perhaps even prior to me even monitoring my credit and has gone unknown and thereby Hunter Warfield Inc., is likely to have been violating my consumer rights the entire time without my knowledge that there was even a collection in my name. I never opened an account with this company, nor have I ever incurred charges with an agency at the mount of {$4200.00}. This is very upsetting and I ask that they do not contact me at this time, rather they may respond via CFPB. A dispute has been issued via XXXX
Complaint sub-issue: Was not notified of investigation status or results

To someone in a position of authority that can help me resolve this issue, On XX/XX/2020, I wrote to you requesting an investigation into items that I believed were innaccurate. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. Section 611 ( a ) states that the failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It is currently 57 days, at this point these items need to be removed immediately. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply immediately with your investigation results. Since this is my second request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. I was also affected by the Equifax data breach, and this problem could be the result of someone using my information fraudulently.
Complaint sub-issue: Received unwanted marketing or advertising

XXXX XXXX XXXX, STATED stated in the previous complaint, ( XXXX XXXX XXXX purchased the XXXX XXXX XXXX  ( XXXX ), XXXX. ( " XXXX XXXX '' ) XXXX credit card account ending in XXXX from XXXX XXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/2021 ). 
First off, I never gave XXXX XXXX XXXX written consent nor authorization to purchase my non-public personal information associated with the XXXXl XXXX account. Neither, did I give XXXX XXXX permissible purpose to furnish this account to the consumer reporting agencies. During this obvious transaction that was done unethically, I was an uninformed consumer. You have defamed my character, and have affected my livelihood and reputation.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Debt is not yours

Collection was placed in XX/XX/2019 .. it was an ex boyfriend 's account apparently that I had not been involved with in over 3 years.. I had been married to another man for 2 years ... It is not my account.. I never signed, agreed with, not had any knowledge of this account. I filed a dispute and they changed it from being my account to me being cosigner .. I have contacted them and requested verification or signed document, my photo ID, anything, they can provide nothing because it is not my debt .. I did not have any knowledge of it .. it is illegally listed on my credit bureau in violation of fcra
Complaint sub-issue: Problem with fees charged

I made a payment on XX/XX/XXXX through XXXX XXXX XXXX 's website using XXXX XXXX XXXX as normal. However on XX/XX/XXXX I received a voicemail message. I returned the call early the next morning ( XX/XX/XXXX ) and spoke with a Mr. XXXX. He indicated that it appeared that the system was unable to locate my account. He said there may have been a glitch on their end since they were updating their system. I used another form of payment and made the payment. He indicated that any fees incurred were waived and my account was at XXXX. On XX/XX/XXXX I spoke with Ms. XXXX because when I went to make a payment on my account online, it said it was blocked because it was overdue. She informed me that their system had been down over a week but my account was current but the late fee and miscellaneous change was still reflecting in the system. I explained to her that I had spoken with Mr. XXXX and he had ensured me that those fees were waived. She said she saw the note but nothing about fees being waived. She said she would put in the request. I just received my current bill and the fees are still on my account, which total {$42.00}. I don't feel I should be obligated to pay them since they were having problems with their system.
Complaint sub-issue: Account status incorrect

Equifax refuses to remove an account which should have been deleted due to the FCRA guidelines. This account is beyond 7 years of the last payment made.

I request that Equifax delete XXXX XXXX account from my report immediately Equifax has reported incomplete and un-verified dates of Payments, Date of 1St Delinquency and date of last payment Equifax has the Date of Last Payment XX/XX/XXXX but list the account was not paid for 60 days on the account history Equifax has the date of the 1st deliquency XX/XX/XXXX and then has the account being 120 days delinquency on account history Equifax has not records of the amounts of these so called payments All of these things are false and have been entered by Equifax employees with out merit
Complaint sub-issue: Funds not received from closed account

Original Complaint : Citibank suddenly suspended my account. I have no issue with it. But the problem is my remaining balance. They said they would deliver an account closing letter for me but I never received it. I only got an email that they sent me an e-letter to my Citibank app, but since they had closed my account, I can not log in to the Citibank app anymore, so there is no way for me to check the account closing letter. I called the XXXX many times but all of them can not fix the problem, even can not give me a clear solution where or how to collect my remaining balance in the account. Before there was a CS told me that I could collect the balance in any branch, but when I went there, I was told that they still have to wait for the XXXX department to decide. Such poor internal communication and Wasted my time. Please be professional and send me the remaining balance by bank cheque ASAP. Thanks. 

I also submitted the above complaint via XXXX on XX/XX/2021 ( Ref no : XXXX ). I got a reply from Citi bank on XX/XX/XXXX via XXXX, within that letter CitiBank mentioned : 'If we close your account, we will send you a check for your final balance '', and also said that they need XXXX business days to process it. 

Well, more half-year has passed. I still haven't received any check for my remaining balance. I called the CS a week ago but was told : 'Sorry we just returned all your remaining balance to the original payer '! 

I am so shocked. How can a bank just remove my legal assets without any advanced explanation or investigation? How can we trust the bank then? 
Even if it has any recall from anyone, at least the bank should let me know which payment has a problem, so that I can contact the payer to explain or provide the related evidence.
Complaint sub-issue: Problem using a debit or ATM card

All of my funds were locked for a security validation. I have spent 2 weeks trying to submit my ID to this bank and they told me they closed my account and mailed me the check I just called and I was told my account was never closed. THEY ARE STEALING MY MONEY!
Complaint sub-issue: Information belongs to someone else

I AM A VICTIM OF ID THEFT DUE TO THE 2017 EQUIFAX DATA BREACH. PLEASE REMOVE THE ITEMS LISTED ON MY FTC REPORT FROM MY CONSUMER FILES.
Complaint sub-issue: Information belongs to someone else

Please remove these account listed immediately! you are housing false information on my credit report. If the accounts arent removed I will be following suit with Monterey demands.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX,2020 I completed a letter to all credit bureaus on inaccurate reporting for several accounts on my credit. They are reporting 3 different dates/years on charge off accounts. I requested for the credit bureaus to delete the account. The initial response was verified. I have also provided screen shoot within my letter from XXXX XXXX. I am submitting a second notice for the removal of the inaccurate charge off accounts.
Complaint sub-issue: Used obscene, profane, or other abusive language

I called to settle a {$70.00} debt. I was spoken to in a rushed, abusive, bullying tone by the rep XXXX. She talked over me and would not respond to my request for her to change her tone or lower her voice level. She threatened to write on my credit report that I " refused to pay '' if I did not give her my credit card number immediately. She used condescending discriminatory tactics I made the full payment. She did not thank me.She has not sent me a receipt for my payment. I have no way to prove it was paid! I can not get an apartment unless I can show payment was removed from credit. They have ridiculous power over someone's credit and this should not be allowed. 

XXXX XXXX = Rude, unprofessional, and cursing low-life representative. Unacceptable. Hundreds of XXXX Reviews say the exact same thing. I even tried to call back to COMPLAIN, and the man who answered in that dept. was exactly the same! He would not even take a complaint, but insisted I give him my Social Security number! They need to SHUT DOWN this horrible place!