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

In XX/XX/2020 I filed a dispute with the three major credit bureaus XXXX, Equifax and XXXX about the unverified account XXXX XXXXaccount # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, DEPT OF ED/XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX. XXXX acct # XXXX, XXXX   acct # XXXX and XXXX XXXX  acct # XXXX. In over 30 days ago I haven't received a response. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from these companies about these unverified accounts as of today. Thank you
Complaint sub-issue: Information belongs to someone else

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and or the company is reporting false information because I did not give permission for none of these items listed. I ask that the items be deleted to correct my credit report.I reported the these inaccurate items to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Affidavit. Please delete the items as soon as possibl
Complaint sub-issue: Add-on products and services

Wrongfully charged for payment protector service I did not authorize.
Complaint sub-issue: Account terms

This complaint is addressed to Equifax Credit Reporting Agency. Resolution deletion of collection account # XXXX per ( XXXX ) XXXX. 
Per response with the CFPB, case number : XXXX, dated XX/XX/2016, XXXX claims they have submitted a " request for deletion '' to ALL credit reporting agencies and requested permission up to 45 days for the agencies to process their request. ( Validation Letter attached ). Not ever receiving a credit report, Equifax denied online access for full report. Through an online free credit site, XXXX, report states XXXX as ( Collections ), updated XX/XX/2016. As to date, it has not been deleted. Equifax is the last of XXXX agencies to adhere to request by XXXX. 
If said request is not honored within the timeline requested by XXXX, I will proceed legal actions per the Fair Credit Reporting Act, 15 U.S.C. s 1681. Thank you for your cooperation in this matter.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Please note that the mentioned companies listed are not entitled to check my credit history, it is not authorized, I never received any correspondence from them, I don't have an account with them and therefore must be deleted from all my credit reports XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX
Complaint sub-issue: Information belongs to someone else

Hello, I would like to ask you about to check my accounts. I can see that these accounts are reported incorrectly and its not right. This is wrong information and should not reported like this in my profile. Could you please check it.
Complaint sub-issue: Was not notified of investigation status or results

. I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. FDCPA Section 807 Violation Misleading False Reporting XXXX Account Number : XXXX Please remove it from my credit report. 
3. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Complaint sub-issue: Information belongs to someone else

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME. THOSE ACCOUNTS HAVE BEEN INACCURATELY PLACED ON MY REPORT AND HAS CAUSED TREMENDOUS HARM TO MY CREDIT REPORT. PLEASE INVESTIGATE THOSE DEROGATORY ACCOUNTS AND HAVE THME OFF MY CREDIT AS SOON AS POSSIBLE. I AM DISTRESSED BECAUSE I HAVE NO IDEA WHO WOULD HAVE HAD ACCESS TO MY PERSONAL INFORMATION, PLEASE DO WHAT YOU CAN AND HAVE THESE OFF MY REPORT. KEEP IN MIND THAT I DID NOT AUTHORIZED THESE TRANSACTIONS.
Complaint sub-issue: Public record information inaccurate

From XX/XX/XXXX to XX/XX/XXXX, my Equifax credit score went from XXXX on XX/XX/XXXX to XXXX on XX/XX/XXXX. 
I went to my Equifax.com because I was concerned why as I make all my payments XXXX percent on time. On their application website, under the alerts. Its stated that I had a bankruptcy on my record. I have not filed for a bankruptcy nor do I intend to file for a bankruptcy. However, there are 4 joint accounts I share with my husband who no longer lives with me and has not lived with me since XXXX. I have a protection order in place and he has filed for a XXXX  XXXX bankruptcy. But, has stated in the papers that he intended to continue making those payments. However, I am making those payments every month. And I make them on time. When I called Equifax to inquire as to why they stated I have a bankruptcy, even though I went and looked to see under Public Records, there isnt one. And, furthermore, none of these creditors has the legal right to make that claim against me as I have not filed for bankruptcy and theyre still getting the monthly payments each and every month. That is illegal. Equifax and the Creditors in question had no right to make a remark on my credit report stating a bankruptcy on me when I am not nor have not filed or have been part of filing for a bankruptcy.
Complaint sub-issue: Debt is not mine

I was contacted about a debt related to a XXXX account some time ago by ERC. I called them back and spoke with a representative who after taking down my name and address and asking a few other questions determined the debt was not mine because I had never lived at the address that was associated with the debt. He also told me that they were reaching out to every XXXX XXXX and I was the only one that had responded up to that point. He told me that he would disassociate the debt with me. Within the last month, I ran a credit report and saw that this debt collection was on my report so I filed a dispute. XXXX said the debt was associated with me and told me to contact the debt collector. When I contacted ERC, they told me the debt was mine and that the address associated with the debt was my current address. My complaint has XXXX parts. First, the debt is not mine and I would like it removed from my record. Second, I am reporting ERC for requesting my address and then associating it with the debt account after telling me that the debt was not mine. The address which was originally associated when I was first contacted is not the address they now are saying it is. If I had not given them my current address the address on the debt would not show my current address.
Complaint sub-issue: Information belongs to someone else

Date : XX/XX/2014 Amount : {$500.00} Action Taken : I ASKED FOR THE AUTHENTIC CONTRACT OR APPLICATION THAT CREATED THIS ALLEGED DEBT.
Complaint sub-issue: Trouble with how payments are being handled

On or about XX/XX/2021, I inquired via FedLoan Servicing Chat feature how to have my payment applied to a certain student loan that I wished to target. I was told to include the loan number and disbursement date in the memo line of the check. 

On or about XX/XX/2021, I sent a check via my financial institution to FedLoan Servicing to pay a specific loan with the loan number and disbursement date in the memo line of the check. That check cleared on XX/XX/2021 as reflected on my bank statement and FedLoan Servicing 's Payment History. I checked the electronic image on my bank account and identified the memo line did, indeed, include the loan number and disbursement date. 

I realized on XX/XX/2021 that the check was inappropriately applied to all loans and contacted FedLoan Servicing via the chat feature. I was informed I would need to call in to have my payment reapplied that that I can not target specific loans via mailed-in payments. 

I called on XX/XX/2021 to have the check reapplied and was again told I would need to call in each and every time I sent a payment to have the check target a specific payment. I informed the servicer that their website reads : " The easiest way to target your payments is to pay online. However, if you want to have all of your future extra funds applied in the same way, you can write to us and provide standing instructions [ ... ] You will need to specify how you want your extra funds applied to your individual loans, and you'll need to identify your loans by disbursement date and loan type ( which you can find in Account Access ). We can help you through this process if you contact us [ ... ] '' https : //accountaccess.myfedloan.org/contactUs/index.cfm I again asked for clarification that I CAN NOT send a check and have it applied to specific payments and was told not unless I call in after each check clears to have it reversed and reapplied. The servicer attempted to walk me through the online application system to have it ACH 'd from my account, which I have no interest in doing for extra payments. 

I informed the servicer I would be escalating this to the CFPB and advised they escalate the call to their immediate supervisor. The customer service representative stated he would note this call on my account. 

I have since provided an email through their platform using the CFPB sample template, but still feel I received inadequate information, false/misleading information, and that my payments were inappropriately applied. FedLoan Servicing has no incentive to honor consumer requests as students can not refinance their loan for better interest rates or, if they do, risk loosing federal-loan benefits. FedLoan Servicing is exploiting this loophole to provide poor customer service and inadequate application of payments.
Complaint sub-issue: Reporting company used your report improperly

Account XXXX - Account ref : XXXX - Order number : XXXX Cancelation date : XX/XX/2021 cancelled a contract with them in XX/XX/2021, on the 1st day as their product was not working, laid numerous complaints a number of times and they have promised to collect and cancel the contract and they also promised that someone will contact me. which has not been done over a year later and they put on my report that i owe them numerous cases logged with them They have also handed me over to a debt collection company which stated that I owe them over XXXX A person shall not furnish an information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have multiple unsolicited hard inquiries I want removed from XXXX by a company called Clarity Services Inc. a Finance Reseller ran hard inquiries on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have no idea who did this it is illegal. Their address is XXXX XXXX XXXX XXXX FL XXXX Please remove the offending inquiries off my credit report. 

Also the company XXXX has made multiple unsolicited hard inquiries through an illegal online source. I want them removed from all three reports, I have contacted them and the credit companies XXXX, XXXX and XXXX. 

Today XXXX illegally did it again to my credit. Please remove all XXXX hard inquiries. 

Almost all of the inquiries made on my report are a result of online reselling of information. I am working to have 15 known illegal inquiries removed.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.
Complaint sub-issue: Deposits or withdrawals

My wife and I have many CD accounts in our traditional and XXXX ira 's. We transfered them from XXXXXXXX XXXX XXXXXXXX State Farm bank because the interest was so much higher. The government made State Farm bank to transfer all of my wife and I IRA 's to US Bank. US Bank is a brick and mortar full service bank and has very low interest rates. Also the nearest US Bank is XXXX miles away. The State Farm office is a mile away. 

So, I am in the process of transferring all of our CD 's from US Bank back to XXXXXXXX XXXX. It is a night mare. I have to do the following : 1. ) XXXX XXXX Bank and open up an new account with a new number.

2. ) Go to State Farm and have them physically send a fax to US Bank to request a transfer.

3. ) I then must chase US Bank by phone to insure that the paperwork is being processed. 
They do not allow me to talk to someone in their IRA department and I must go through customer service that doesnt have my information about the CD. Sometimes they give me wrong information. When I ask to speak to a manager, they put me on hold and the manager gives me a message that they are helping someone else and will get back with me and never do. On top of that they send me letters saying I have ommited information on the form. The copy of the fax I have shows the correct tnformation. 

Also they have placed a XXXX dollar yearly fee on my wife 's account because they say she doesnt have enough money in her account. We never agreed or signed anything to permit this and this was never on any of our accounts with State Farm Bank. 

I have spent many frustrating hours on the phone with US Bank trying to straighten this out. They are incompetent. 

These CD 's are time sensitive. I only have 10 days after maturity to transfer or distribute the funds. Also these are retirement funds and I must take them out for our XXXXXXXX XXXX 

I can not withdraw the funds to myself because the government only allows us 1 rollover a year. 

It is a real nightmare. 

Is there any way possible we can transfer these funds without a penalty?
Complaint sub-issue: Old information reappears or never goes away

On XX/XX/XXXX a Lawsuit was filed against me by XXXX XXXX XXXX as the " successor-in-interest to the original creditor, XXXX. Represented by XXXX XXXX XXXX : Attorney XXXX XXXX. 
The lawsuit was for a " Prayer Amount : {$760.00} '' The Summons and court filing was my first awareness of either company. 

After months of paperwork filings and court proceedings ( which I have copies of it all ) a ruling was presented : " The court entered a Judgement - General Dismissal on XX/XX/XXXX in the court register. '' This credit reporting needs to be removed from my credit report. As of XX/XX/XXXX they are still reporting this account. 
In the mean time a new Attorneys Office XXXX XXXX XXXX has been contacting me regarding the same account claims from XXXX XXXX XXXX. So, even after the lawsuit and judgement XXXX XXXX has sent a new attorney to harass me for the same case. 

In calling XXXX ( the reported original creditor ) to get this removed from my credit report following the court ruling, I was informed that they where not responsible for the information any more and to call the debt collector who purchased the account from them, XXXX XXXX. 
XXXX XXXX does not respond to the information and claims that The XXXX XXXX XXXX is who to talk to, and they are unresponsive. 
In calling XXXX XXXX XXXX they are still harassing me for the same case that the court closed. 

I have been getting the run around and passed off by every person ( company ) involved in the situation. I would like for this information to be removed form my credit report as it has been closed by the Circuit Court, ruled in my favor, and all of my attempts at communication have been overlooked or passed on to someone else. 
The claim/account does not have any validity and can not legally keep getting passed to different law firms regarding the same claims. No validating information was ever presented by XXXX XXXX, XXXX, The XXXX XXXX XXXX : Attorney XXXX XXXX or XXXX XXXX XXXX, hence the court ruling in my favor. A court ruling has been decided as " Dismissed '' and all parties need to adhere to the ruling.
Complaint sub-issue: Transaction was not authorized

Account had a debit of XXXX to XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX, i have no idea what this charge is for. The bank said the card was present at the time and since i still have my card it had to be legitimate.
Complaint sub-issue: Reporting company used your report improperly

There are errors on my credit report containing multiple accounts associated to a bankruptcy that was not properly verified. Which is a violation of the 15 USC 1692k & The Rule of 9037 of the Federal Rule of Bankruptcy Procedure.

Rule 9037 of the Federal Rules of Bankruptcy Procedure went into effect on XX/XX/XXXX. Adopted in compliance with section 205 ( c ) ( 3 ) of the E-Government Act of 2002, Rule 9037 addresses privacy and security concerns arising from filing documents, whether electronically or in paper format, in a bankruptcy case.Specifically, Rule 9037 requires the redaction of specific personal identification information ( i.e., Social Security and taxpayer identification numbers, names of minor children, financial account numbers, and dates of birth ) from unsealed documents filed with the court, as well as other private or sensitive information identified by the court for cause.
Complaint sub-issue: Information is not mine

Equfix Took it off the Added Back to the Report! Please Remove This
Complaint sub-issue: Personal information incorrect

Since XXXX of this year, I've been sending update letters to Equifax, XXXX, and XXXX to delete old and inaccurate addresses and outdated information on my credit report. These companies are still reporting old and inaccurate addresses and information even after I initially sent them at least two update letters but they never updated my personal information. These are all of the inaccurate addresses on all three of my credit reports that still haven't been deleted but need to be removed. 


XXXX XXXX XXXX, NC, XXXX XXXX XXXX XXXX XXXX, NC, XXXX XXXX XXXX  XXXX, NC, XXXX XXXX XXXX XXXX XXXX, NC, XXXX XXXX XXXX XXXX  XXXX, NC, XXXX XXXX XXXX XXXX XXXX XXXX, NC, XXXX XXXX XXXX XXXX XXXX, NC, XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

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 instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Complaint sub-issue: Problem getting your free annual credit report

- I've got multiple account denials citing LexisNexis Report. I've been ordering NexisLexis reports since XXXX, I never received any copy or disclosures. 
- Recently in XXXX, the month of XXXX and XXXX, I requested the report through a paper application form - which was submitted on XX/XX/XXXX following an inquiry on XX/XX/XXXX. 
- Lexis Nexis on XX/XX/XXXX informed me that they mailed out a link for me to download my file. I however never received any documents - consistent with all of my experience with Lexis Nexis - I never received anything. 
- I followed up on XX/XX/XXXX, Lexis Nexis refused to look into my file. The same customer service agent, XXXX XXXX  XXXX, constantly puts my inquiry into the loop ( request to be followed up and never sent out my paper work ) - LexisNexis ignored my XXXX XXXX XXXX complaint and now I'm out in the cold without my consumer report and my right to my information is violated severely by the company. I can't even get a bank account that uses LexisNexis system.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I noticed charges on my account, and called to report as fraud. I later found out that a friends child, XXXX  years old, had used my computer and made the charges, not realizing they were real money. The company refuses to take them off of my account, even though the FTC says that I am not responsible for those charges.
Complaint sub-issue: Overdrafts and overdraft fees

I opened an account with TCF called premier 50 in XX/XX/XXXX-XX/XX/XXXX. My account number ends in # XXXX I was not aware that they were going to charge these accelerated fees for nsf checks which they did me in XX/XX/XXXX, for over {$500.00} dollars. My account was only due a charge of {$35.00} or {$70.00} when I learned that I had an overdraft balance. 

I contacted the bank regarding this ruling asking for a reversal of this amount because I was not aware of this change. There were never any signs posted, nothing in the newspapers, etc that these accelerated charges were about to happen. Since most of the time, I used internet banking, nothing was listed to refer me to this change in policy. 

Also, there was no information regarding this change at the teller windows. It was almost as if it was hidden since I had opted for statements on line. During the same time I was complaining the television stations carried the story of the upset customers and claims were made to the XXXX   controller and Senator XXXX XXXX 's office. TCF still did not reverse these fees. I would have never agreed these fees or services. 

I was required to pay this {$500.00} before I could close this account. I am requesting a reimbursement of my fees that I paid for this change in policy that was unfair to me in accordance to the recent ruling.
Complaint sub-issue: Information belongs to someone else

Theses account where open all around the same time i have file many disputes but nothing has changed i have a big problem with identity theft which the company is aware of I have attached proof that other credit company have removed the accounts XXXX XXXX | XXXX XXXX XXXX XXXX XXXX XXXX | XXXX Balance {$23000.00} XXXX XXXX XXXX, XXXX {$36000.00} XXXX  XXXX XXXX, XXXX {$36000.00} XXXX XXXX XXXX, XXXX {$33000.00} XXXX   XXXX XXXX, XXXX | XXXX XXXX
Complaint sub-issue: You told them to stop contacting you, but they keep trying

They called my mother after I did not respond to their phone call on XX/XX/2019. I then called back to inform them that they can not do this. They have not called again but they should have not done this in the first place
Complaint sub-issue: Debt is not mine

I C System reported a negative information on my credit report. The debt does not belong to me.
Complaint sub-issue: Was not notified of investigation status or results

there are 2 illegally report items on my report that need to be deleted now, see letter attached
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX Balance : {$9600.00} XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX : {$1400.00} XXXX XXXX Balance : {$12000.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022