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

On XX/XX/20 I sent letters to each bureau. I have not received a response yet. I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 55 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the XXXX XXXX data breach and may have gotten into the hands of the wrong person.
Complaint sub-issue: Was not notified of investigation status or results

XXXX XXXX I mailed a certified dispute letter to FIRST FED CREDIT & COL and they never responded nor sent back any correspondence about the deletion I requested. it has been more than 30 days! there is still multiple inaccuracies on my credit report. XX/XX/XXXX I mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over 14 complaints on XXXX they also have over 600 complaints with the CFPB
Complaint sub-issue: Received bad information about your loan

My loans were consolidated six in all at supposedly 2.2 percent on a 10 year loan. I paid on time for 10 years with a 2 year deferment while I went bankrupt. I looked to see if I could pay of the remaining balance because it should have been close to payoff. Instead the balance was unchanged. I challenged AES about the balance and they sent me documents that showed the interest rate at 7.25 percent which I never signed for. The documents contain very little information and no terms and conditions and the signature at the end is a supposedly electronic signature but there is no way I would have signed those documents. This ends up being like a 50 year loan. They must have had the terms and conditions at some point in order to set up a legal repayment plan. I believe it is a clerical error on their part and then they fraudulently forged document to cover their error. The documents provided meet no legal standards, it doesn't contain any identifiers doesn't say the lender doing the loan and mainly it says I was unemployed which I in no way was. They didn't have my employers information so they put unemployed which right there tells me it was altered not to mention the other things altered. Is seems pretty likely that AES altered the paperwork because they would have had to know that this payment plan would take 50 years and would not meet Federal Student Loan Guideline. If they did not know this loan was wonky then they should not be a student loan servicer.
Complaint sub-issue: Personal information incorrect

Name is listed twice.The right name should be XXXX XXXX XXXX not XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The inquiries and information in my report were inaccurate. By submitting letters to all three credit bureaus, I requested that they investigate and analyze my files. The fact that this material are still being circulated has an impact on my credit. As a result, the credit agency had nothing to do to remove the inaccurate information and inquiries stated below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX, CA XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Old information reappears or never goes away

Equifax keeps allowing a collection agency to take off erroneous information and replace it back on again and again. Causing significant harm to my credit score. Collection company is using Equifax as a data resource finder for my information then re-adapting that information to fit their criteria. Moreover, this debt is/was part of litigation. Equifax is not doing their do diligence, as they would have known this was part of a litigation.
Complaint sub-issue: Information belongs to someone else

XXXX has erroneously posted an auto loan under my social security number and has caused significant damage to my credit report. On XX/XX/XXXX I notified XXXX customer service that an erroneous entry on my credit report showed an auto loan that I did not have. After several phone calls to XXXX they promised a call back but never did. On XX/XX/XXXX I called XXXX offshore customer service ( in XXXX ) which they advised they had confirmed with the auto dealership where the loan was opened, and that the social security number was correct. I knew this was not true, so I asked the rep for the name of the dealership where the auto loan was opened. The XXXX rep gave me the information and I called the dealership and spoke to the finance manager. He confirmed the Social Security was miskeyed by XXXX. I then called back XXXX and advised them of my investigative findings. XXXX promised a call back and I never received one. Last night the rep stated that I should just get a lawyer, which is a horrible response to solving this problem. I would like to file 1 ) complaint regarding the issue with incorrect SSN displaying on my credit report 2 ) I would like to file a complaint to your executive managers regarding the false investigation that was conducted on your part. 3 ) I would like to file a complaint to your executive managers regarding every representative who promised to call me back but did not. Per FCRA law the item must be removed from my credit report immediately. The customer service that I received from this bank is horrible. All calls are contracted out to a call center in XXXX, and their customer service skills are horrible. I am not even a customer and I am glad I am not.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CREDIT CARD Date Updated XX/XX/XXXX Payment Received {$0.00} Last Payment Made XX/XX/XXXX Pay Status >Charge-off< Terms Paid Monthly Date Closed XX/XX/XXXX High Balance ( Hist. ) High balance of {$600.00} from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX ( XXXX. ) Credit limit of {$400.00} from XX/XX/XXXX to XX/XX/XXXX XXXX in accordance with the Fair Credit Reporting act XXXX XXXX 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: Problem accessing account

I opened a Citibank Priority account in XXXX in US through their website. Immediately after I opened my account, I had to travel to XXXX for work. I had accessed my account couple of times and things were fine. 

Recently I found that my account was locked, I called the Citi bank US personal banking customer care to unlock my account. Due to the corona issue, I generally need to wait for about 10-15 minutes before I can speak to the customer care agent. 
The representative asks me a couple of questions ( SSN, address, account balance, account opening date, account time, all the account holders name, etc ) for which I reply. Then they ask me for the account number or the debit card. I don't have either of them, since I had traveled to XXXX before I could get my Debit card of my first statement. 

They tell me that there are only the following ways in which I can get my account unlocked : 1. Come to any Citi bank in US and show my identity - like passport or Driving license. This is not possible now, because of the corona issue going on now.

2. Get access to Debit Card or statement - These are currently stuck in my mail box in USA and I'm here in XXXX. I cant travel now to get the mails. 
3. One of the agent told me that I could try to get myself verified with the Local Citi Bank ( XXXX branch ) and ask them to send an email, but when I checked with them, they stated that they would not do it. 

I call the customer care to explain my situation and that the options provided to me are not viable at this time, but they don't see to care. I tried asking them to provide me an email address or get me transferred to a higher officer who could help, but they are unresponsive and cut the call.
Complaint sub-issue: Investigation took more than 30 days

I HAVE FILED DISPUTE IN REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT.ITS HAS BEEN WELL OVER 30 DAYS AND HAVEN '' T RECEIVD ANY INVESTGATION RESULTS
Complaint sub-issue: Their investigation did not fix an error on your report

After removing a false collections claim from XXXX XXXX from XXXX and XXXX, Equifax has now started showing a collections debt on my report. My parents received a letter at their house in XXXX ( I live in XXXX  ) that I had a debt to XXXX and if it wasn't paid by XXXX XX/XX/2022 it was going to collections. 

I called XXXX and paid immediately. On XX/XX/2022. A whole month before XXXX XXXX deadline. I have sent Equifax on 3 separate occasions proof of payment and that the collections claim is false, but they come back with it being verified each time. XXXX XXXX is falsely reporting this debt and it is negatively effecting my life. 

I called XXXX after the first time this hit my credit report, and they claimed they had not yet sent the letter that the debt had been paid to XXXX XXXX, but would. However it would take 60 days for it to reach XXXX XXXX this was on XX/XX/2022, it is now XX/XX/2022. 

I will note that the nature of the debt was XXXX dollars and some change and XXXX dollars for two cable boxes, you will see on the statement credit of XXXX dollars, XXXX informed me if the missing cable boxes were returned they would refund the XXXX I paid to them, which they did. 

Like with XXXX, I will be willing to involve a lawyer if necessary. This is a bogus debt collection.
Complaint sub-issue: Account information incorrect

original creditor was XXXX XXXX XXXX XXXX XXXX XXXX and this credit card was opened with a {$300.00} balance .. ordered products on XXXX XXXX XX/XX/XXXX - Order No. XXXX and they were not rec 'd - reached out to the seller to dispute the delivery and was not able to get in touch with anyone - reached out to the card company and disputed the non delivery and not sure what happened from then. Now they are saying that I owe {$610.00} .. this amount is highly incorrect .. the card only had a {$300.00} balance and that amount was disputed. was not able to get anywhere with the retailer nor the card company and have since been going back and forth with different companies who buy this debt trying to explain this issue over and over - XXXX XXXX closed the account .. it is showing on my report as Open .. this is incorrect also - the company currently with this debt is called XXXX XXXX XXXX and last reported was XX/XX/XXXX and this is incorrect - account reaged - shows the account was opened on XX/XX/XXXX but that is also not correct - reaged .. meanwhile it is still on my credit report as a collection - please help me to have this removed as soon as possible as it is an incorrect amount and also incorrect information .. I also believe that this account was reaged to remain on my report. please help me to remove - XXXX XXXX file number XXXX.
Complaint sub-issue: Investigation took more than 30 days

A business alleged that a negative information must be stated on my reports to cause a 243-point deduction. However, did not stand to the challenge of reporting accuracy and has refused to cooperate with investigating the matters in a honest and fair consumer manner, MGL 93A. The bureaus are requested to remove the items over 60-days now and have done little or nothing, some even causing further  damage to the reports. It is time to restore my credit to its original state of XXXX points since the disputes have gone on for long enough, i.e. since XX/XX/XXXX to XX/XX/XXXX, and every effort was made to help them reconcile the reports to accuracy including the detailed reporting based on the business ' own printed statements.
Complaint sub-issue: Account information incorrect

The status of these accounts reporting is an inaccurate account, from dates when the account was open, reported dates, dates of last active, date of last payment, and reporting charged off which is a violation of 15 U.S. Code 1681e ( b ).

If a company has filled out a 1099c form and is continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain.

Also, 1099-C must be mailed to consumers. I did not receive anything which is a violation. As defined by the IRS, even if you didnt receive a Form 1099-C, you MUST report Canceled Debt as gross income on your tax return, according to the IRS. For an account to be Charged Off, the debt had to have been Canceled. Canceled Debt must be reported as Gross Income on a tax return. Its illegal to report income to my consumer report.

Companies that mark accounts as charged off take advantage of 1099c forms and deem it a profit loss, meaning they collect from the IRS. It is illegal to collect from the IRS and still attempt to collect from the consumer/individual. The reported balance of these accounts is inaccurate and the agency is to comply by blocking and deleting these accounts from my reports as they do not, and never have had my written consent to report these listings ( Violation of 15 USC 1681b ).
Complaint sub-issue: Account status

I checked my credit report an there is a report to the credit bureau of a delinquent payment for {$160.00} to urgent care in XXXX VA ( XXXX ). The bill was paid in full and should have never went to collections and was agreed upon by the billing department from urgent care in XXXX. I was told the collection agency ( XXXX ) ( XXXX ) has access to their computers and this was done in error. This action has put a blemish on my credit and they should be held accountable and fix the error immediately.
Complaint sub-issue: Personal information incorrect

I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, XXXX XXXX WA XXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX My only employer is : United States XXXX Employed on XX/XX/XXXX to Present I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. Post Office, and they are not reportable as per the FCRA, since they are inaccurate.
Complaint sub-issue: Debt is not yours

Not mine. Section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove. Section 623 states that the creditor can not continue to report it when disputed, unless they have proof to the contrary
Complaint sub-issue: Account information incorrect

This account is showing inaccuracies on both reports. Don't know which information is correct. This is violation of the FCRA.All the items listed below are reporting differently how is that possible if everything suppose to be 100 % accurate. Please delete. View attachment Monthly payment, terms, high credit, date last active
Complaint sub-issue: Reporting company used your report improperly

THE FOLLOWING ACCOUNTS LISTED BELOW ARE INACCURATE AND MUST BE DELETED FROM MY CREDIT REPORT. 

XXXX  XXXX  XXXX The monthly payment on this account is inaccurate. XXXX is reporting - as the monthly payment and Equifax is reporting {$330.00}. The last date of activity is also inaccurate. XXXX is reporting XX/XX/XXXX as the last date of activity and Equifax is reporting XX/XX/XXXX. 
PLEASE DELETE AND REMOVE IT FROM MY REPORT
Complaint sub-issue: Old information reappears or never goes away

The " XXXX XXXX Reported '' field on my Equifax report for the account " XXXX  '' keeps changing each month, and is currently listed as " XX/XX/XXXX. '' THIS IS INCORRECT. 

It is impossible for this date to be in XXXX because the account was settled at {$0.00} in XX/XX/XXXX, with no activity since then. 

The " XXXX XXXX Reported '' date for this account should be listed as XX/XX/XXXX. 

The incorrect " XXXX XXXX Reported '' date is re-aging the debt, a serious violation of the Fair Credit Reporting Act under Section 623 ( 5 ) ( A ). 

I have disputed this issue multiple times via certified mail. If Equifax can not report this tradeline accurately, they must delete it from my credit report.
Complaint sub-issue: Attempted to collect wrong amount

I received a email from this Agancy Voss & Klein collection agency, who I have no idea how they got my email address. The bill was XXXX $ however the bill from the dental office was only XXXX $ which I received a statement 1 week before the collection agency emailed me. I felt this company is illegally billing which they did last yes when I paid XXXX $ for a XXXX $ debt from the sane dental office. And would n't except a settlement amount from me when I asked for one. Please investigate this company. I pay my bill if their when the law and this bill is not.
Complaint sub-issue: Information belongs to someone else

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDEPT OF ED XXXX XXXXDOFED XXXX XXXXDOFED XXXX XXXX
Complaint sub-issue: Problem with direct deposit

Us bankreliacard basically not providing information about my account being lock, trying to hold ny funds against my well, hanging up in not being Professional about the situation I saw they hang up the phone place me on hold for more than 2 or 3 hoursThe manager also told me the same thing to call representative is saying I have to keep sending my identification two forms of identification in a tax 2019 formAre they keep telling me is to wait so many days so many days time so I might I have to have for {$2000.00} and something on his card there a hold of my money is my will, They are lying telling me that PUA is the one to have to hold on my card, But really theyre just lying they also telling me that they can not give me the routing and account number for this account of mine pretty much giving me the runaround can you help me
Complaint sub-issue: Investigation took more than 30 days

This investigation process has not been completed. I am currently still waiting for a response.
Complaint sub-issue: Debt was result of identity theft

I was a victim of identity theft. A report was filed with the federal government and a police report was made in XXXX Police Department. Americollect has been trying to extort me for quite some time. I had removed XXXX XXXX XXXX due to this theft. This issue with Americollect is getting very stressful.
Complaint sub-issue: Public record information inaccurate

LexisNexis has not properly investigated the public record items enclosed. I am requesting they be removed from my report pending a thorough review.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2019 I disputed items with Equifax on my credit report that did not belong to me. According to FCRA they have at most 45 days to complete my investigation or items should be removed.its been almost four months and nothing has happened these items ( 1 ) XXXX XXXX  act # XXXX ( 2 ) XXXX XXXX XXXX acct # XXXX ( 3 ) XXXX  XXXX acct # XXXX
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

In early 2021, I contacted Discover to inquire about a credit line increase. I provided my estimated income, and submitted the form. I was denied a credit request and told a letter would come in the mail. The reason for the denial was that I did not spend enough money on the card. A few months later, I submitted a second request, repeating the above steps. This time, I was denied because I spent too much on the card. My closing balance was {$400.00}, and my available Credit was {$1600.00}, of {$2000.00} of the credit line in XX/XX/2021, I submitted a third request for a credit line increase. I was again denied, this time because of lack of information on a mortgage, or installment loan. Its interesting that a credit card company can decline an application for lack of mortgage, or installment loan, when that can not be a determining factor It seems that Discover wants to send me dozens and dozens of letters, and emails asking me to sign up for ID protection, or student loans, or mortgage information, but they refused to help me with something that might actually work for my needs. 
I applied for a new Discover credit card, the Discover it XXXX card. My application was denied, because of lack of mortgage or installment loan information. The unfortunate thing is a hard inquiry was placed on my credit file, when I was already a Discover customer. A hard inquiry is not necessary when I am a current customer.
Complaint sub-issue: Debt is not mine

A verification of debt has not been provided by the company. I have disputed this directly with the credit bureaus as I am not aware of the debt. Additionally, the collection attempts they have been made by this company violate FDCPA they have left messages stating that I will be arrested in connection to the debt these are violations and harassment.Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ), you have the duty to review all of the information in this Notice of Dispute, to complete your investigation, and report back to me the results of your investigation, within 30-days of my Notice of Dispute. 
In addition, I humbly request that you provide me with complete transaction and payment history, a copy of any signed contracts or agreements, and total outstanding balance you believe I owe.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account NoXXXX has violated my rights -- see XXXX references below XXXX ( Client account number is XXXX. ) 15 USC 1681 Section 602A states that I have the right to privacy.

15 USC 1681 Section 604A, Section 2 states that a consumer reporting agency can not furnish an account without my written instructions and consent. 

Therefore, XXXX XXXX XXXX XXXX has violated my right to privacy by furnish my account info without my written instructions and consent. 

Thank you. 
XXXX XXXX XXXX email : XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX   XXXX {$5500.00} XXXX XXXX {$2700.00} USDEPED XXXX {$31000.00} XXXX  XXXX XXXX {$640.00} DPT ED XXXX XXXX {$68000.00}