Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account information incorrect

RE : XXXX Hello, I worked with you guys to get XXXX XXXX XXXX to follow the law under the Fair Credit Reporting Act as they stood in direct violation of them and continued to report information that was fraudulent to the bureaus despite being sent 2 police reports, FTC ID Theft Report, and mountains of paperwork. Their employees we incredibly hostile and rude all throughout and I always ended up hung up, with no callback, after a total talk time of about 15 minutes with the remaining hours stuck on hold, transferred around or " reverified. '' Target has done everything in its power to make this process a literal living nightmare that never ends. Eventually, I had had enough- and thank god for the CFPB, you stepped in and shortly after I received a letter from targets " Fraud General '' apologizing and ensuring all had been corrected and all drugstores removed with credit line restored. 

I waited about a month and a half and still of the bureaus were showing incorrect info I attempted to call the number on the Fraud Generals letter and it just directed me to the main consumer line where the nightmare started all over. after a month of calling every day.. they FINALLY agreed to update it after numerous lies like " payment history is controlled by a computer system and there is no way for us to edit it, and NO you can't speak to a supervisor- then hang up, or " It's illegal for us to change that even though we know its incorrect. I have asked the bureau to check on THREE times and they all keep coming back with creditor verified the information to be accurate- no change. 

I received a letter today, XX/XX/2019 stating that as of XX/XX/2019 target AGAIN reported to them that the information they are giving is right and I am lying. I even sent Equifax all of the supporting documentation including the note from the CFPB and XXXX fraud general. The dispute denial I received today basically says they don ' care and it will remain. It is very negatively affecting my family to move out of very horrible living conditions and is preventing me from securing any more credit the start-up business I am running. I don't know how or why they can so blazingly ignore the law- please help. 

Thank You Very Much.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2022, I sent a certified letter with return receipt via the US Postal Service to Equifax disputing the an erroneous account on my credit report. I asked for the account to be verified and validated, and to have the documents sent to me that were used to verify and validate this alleged debt. I received notice that they received my letter but they have refused to respond to me. It has now been more than the 30 days, which by federal law via the Fair Credit Reporting Act and Code of Federal Regulations that they have to respond to me as a consumer. By law, since they willingly chose to respond, they now must delete the account in which I disputed. I have attached the documentation which was sent and received by them.
Complaint sub-issue: Their investigation did not fix an error on your report

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and they have verified it. The accounts were not reported correctly and I would like it fixed. Please CFPB step up and correct the status because I was never late on my XXXX XXXX XXXX and XXXX XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

I have been disputing XXXX XXXX on my credit report since XX/XX/XXXX. I have been waiting for their response but up until now, I haven't gotten anything from them. Regardless of the previous written request, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX, and Equifax Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Under the FCRA section 605b, the Credit Reporting Agencies are required by law to remove any fraudulent accounts and information completely from my XXXX XXXX. I am requesting this information to be reviewed for completeness and accuracy and appropriateness. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. Please remove the following fraudulent items from my Credit file 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 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 XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX has been reporting an unverified account to two of my consumer credit reports XXXX and Equifax. I have requested that he information being reported is investigated properly with no avail except for a response of " verified ''. I have specifically asked in several documented and tracked letters for both companies to provide me with the avenues taken that gives them the legally right to report this account to my credit report and have yet to receive an appropriate answer. I have never received notification from said company verbally or written. I have also advised both companies that the electronic system used to supposedly verify items is not sufficient enough as anyone especially a third party paying for their service could easily fax, mail, or email over fraudulent information. It is my right according to the FCRA to have this properly and completely verified and my request to be taken seriously as it is my credit reputation and tarnishing of my good name that is at stake. Not to mention both companies as taken over the thirty days in which to respond to said disputes primarily their method of verification which only gives them 15 days to comply/respond to request. On these grounds alone I am requesting that this account be removed from my credit file.
Complaint sub-issue: Debt was paid

Settled debt with XXXX. npas is still trying to charge the difference in the settlement. of which we do not owe. 
bill : XXXX settle pay with XXXX : XXXX npas is trying to say we owe the XXXX difference. 

attached is the XXXX paper we received for settlement. on it, i wrote date and Authorization code for when it was paid.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

This complaint submission is in regards to an Unauthorized Inquiry reported by CITI BANK / CITI BANK NORTH AMERICA. I have made attempts to rectify this matter with them directly as they have now been unresponsive. I have not done any business nor have any revolving accounts with them. CITI BANK / CITI BANK NORTH AMERICA is currently in violation of the Fair Credit Reporting Act, 15 USC 1681. I spoke with a Supervisor in the Credit Services Dispute Department, who then gave me their Fax and Mailing address to forward them an Inquiry Validation letter. The Supervisor stated to send everything over and they will fax all correspondents to the number provided. A fax confirmation was received on both ends and I still haven't received a response since XX/XX/2019. It was confirmed through my fax machine that the Department had received the files ; however, after more then 15 days of notifying them, still no response. I specifically asked for proof of me agreeing with a signature or judgment by law stating I gave my legal consent to conduct any credit inquiry. I have never made any agreement with them nor plan to in the future due to the poor service I received to rectify this matter. I am requesting CITI BANK / CITI BANK NORTH AMERICA immediately remove me from their systems, remove the Hard Inquiry on me, and update all 3 major Credit Bureaus ( XXXX, XXXX, & XXXX ) on this action. At this point they have failed to provide any competent evidence or any legal obligation. Once again, CITI BANK / CITI BANK NORTH AMERICA is currently in violation of the Fair Credit Reporting Act, 15 USC 1681, and if this report is not updated immediately I will be taking legal actions.
Complaint sub-issue: Public record information inaccurate

I HAVE REQUEST A CREDIT REPORT FROM ALL THREE CREDIT BUREAU 'S AND IT'S A BANKRUTCY ON THERE FROM XXXX  AND XXXX. SO I DISPUTED IT BOTH CAME BACK VERIFED SO WHAT I DID WAS GO TO THE BANKRUTCY COURT AND ASK HOW IS THIS ON MY CREDIT REPORT AND THEY SAY THEY NEVERED REPORT MY INFORMATION TO NO CREDIT BUREAU 'S PLUS I HAVE THE PROOF. ALSO I SAW A PLACE CALLED LEXIS NEXIS ON MY CREDIT THAT XXXX  AND XXXX  SAY THEY GOT THE INFORMATION FROM WHICH IS ILLEGAL.
Complaint sub-issue: Information belongs to someone else

It has been found out that you are not REMOVING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX  XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXXXXXX XXXX : {$0.00} ; 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
Complaint sub-issue: Information belongs to someone else

I have been in contact with each credit reporting agency since XX/XX/2022. After a few letters and a phone call to each I have decided to file this complaint. A overload of hard inquiries not authorized by me need to be removed. At no time do the companies nor the credit reporting agencies have permission to list this on my consumer report. The real fraud are the companies and credit reporting agencies not following consumer laws and taking the power from the me as the consumer. There is a invalid Bankruptcy listed that is not authorized. The agencies are in full violation of the law and I demand they abide by the consumer law as I am the consumer.
Complaint sub-issue: Didn't receive notice of right to dispute

Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX. XXXX, MN XXXX They have no email. This debt says it is from XXXX XXXX which was the last phone carrier I had when I lived in the USA ( Hawaii ) ... but I have not lived in USA since XX/XX/XXXX. I called XXXX to cut off my service when I moved to XXXX ( XX/XX/XXXX ) but apparently they did not close out the account as they should have. I did not find out about the error until I had a work trip back to USA in XXXX. I have not been in the USA even for a holiday since that trip in XXXX. I have plenty of documentation that can prove my move to XXXX. Hawaii has a 6 year statute of limitations on debt so that has expired, but Jefferson Capital seems to show a date of XXXX. And I still live overseas ( XXXX now, still with military ) so it makes this difficult to dispute. 

This debt has not been validated to me in any way. Given my moves, it is probably related to problems with mail ... but this is ridiculous. XXXX can't charge someone out of the country that can't even know they are charging. I called to cancel. My cellphone wasn't even on once I flew to XXXX ( different SIM system ). And Capital can't use a date from 3 years AFTER I moved outside the USA. I've disputed the debt but not answer from anyone. Jefferson Capital has never sent me any paperwork validating the debt.
Complaint sub-issue: Not given enough info to verify debt

This is a complaint from XXXX against Grant and Weber for Grant and Weber 's failure to provide requested information for the debt alleged. As of XX/XX/2017, Grant and Weber has been reporting an open credit account for the XXXX. On XX/XX/2017, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
It has been 30 days since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX Finance XX/XX/22, XX/XX/22, XX/XX/22 XXXX Finance XX/XX/22, XX/XX/22, XX/XX/22 XXXX Finance XX/XX/22, XX/XX/22, XX/XX/22 XXXX  Finance XX/XX/22, XX/XX/22, XX/XX/22 XXXX XX/XX/22, XX/XX/22, XX/XX/22 XXXX Bank XX/XX/22 Credit XXXX  XX/XX/22, XX/XX/22 XXXX XXXX Bank XX/XX/22 I called and addressed the inquiries to the companies. The inquiries were not authorized by me.
Complaint sub-issue: Was not notified of investigation status or results

I sent a customer dispute 60 days ago and have not received a response... I need immediate resolution as this situation is causing an enormous amount of stress on me and my family. I'm completely upset at the lack of response to my customer dispute. Please help in having the credit reporting agencies complete my investigation and provide me with an update. The issues are causing a ton of problems and I need answers. Thank you.
Complaint sub-issue: Information belongs to someone else

I have tried to handle this with the bureau.They have ignored my concern and have continued to report inaccurate information that stems from identity theft. I have submitted a police report and theft affidavit but they have ignored them and have yet to remove the fraudulent information. 

They need to follow the guidelines of the FCRA 605 section and immediately remove all of the fraudulent activity.
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 did not make the charge. I ask that these items be removed to correct my credit report. I reported my identity theft to the Federal Trade Commission, and have enclosed copies of the aforementioned report, as well as an Affidavit of Truth. Please delete these items as soon as possible.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX and XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX accounts 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 instructions.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have never seen this inquiry before XXXX XXXX XXXX  XXXX , XXXX- Inquiry from XX/XX/2018. Please investigate to insure there is no fraudulent activity on my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX, XXXX, HAS REPRESENTED IN A LETTER THAT THIS ACCOUNT ( XXXX XXXX, XXXX XXXX ) HAS BEEN PAID IN FULL ON ALL ACCOUNTS TO INCLUDE : XXXX XXXX XXXX, AND XXXX XXXX. THESE CREDITORS ARE FALSELY REPORTING OPEN ACCOUNTS, WHEN THESE ACCOUNTS HAVE BEEN PAID IN FULL, AS EVIDENCED BY THE LETTER ATTACHED TO THESE DOCUMENTS, THAT SHOW THERE IS NO ACCOUNT OPEN. 

THESE CREDIT REPORTING AGENCIES CONTINUE TO SHOW AN OUTSTANDING AMOUNT ON MY CREDIT FOR A DEBT THAT IS PAID IN FULL. AS EVIDENCED BY THE SATISFACTION LETTER SHOWING OTHERWISE.
Complaint sub-issue: Attempted to collect wrong amount

I received an alert from a credit report stating I had potentially negative activity. After looking into it, I found an account from BC Services. I have never been contacted by BC Services, not by phone, email, or mail, so have no idea what this charge could be. I contacted the company that BC Services was supposedly collecting for, and they were able to tell me that my balance had been paid in full. Additionally, I do believe that by law, it is required to receive notice that debt is being transferred to a collector, which I never received. At this point, I was pretty sure this was at least an error, but gave them some benefit of the doubt. I called BC Services to solve the situation and they immediately asked for my social security number. I declined, and they claimed they were unable to help me as a result. Throughout the phone call spoke to 3 customer service agents each becoming more and more rude, providing me no information at all, eventually hanging up on me. At this point, I am fairly certain this is a scamming operation. Very perturbed that this has gone so far as to impact my credit score, especially after no communication whatsoever from " BC Services ''.
Complaint sub-issue: Other problem

Today XX/XX/21 was the last day I spoke with XXXX XXXX about a lost reverse payment amount of {$7200.00} and after speaking with Discover Card. Discover card they said XXXX XXXX needs to do an investigation of the lost check with Discover Card and then Discover card would look into this matter. Then I called XXXX who said their Bank Operations Dept said I needed to tell Discover Card to initiate sending documents about what they did with the reverse check. Discover Card said XXXX needed to do this and XXXX said it was against their policy to do anything. I called Discover Card back and after being placed on hold my phone was disconnected. I got the impression Discover Card didn't want to help and just disconnected my phone from them. Both companies to me are really incompetent and don't know how to help their customers. I have been calling XXXX XXXX XXXX and Discover Card to no avail for 3 weeks. Personally I believe both companies are incompetent. I really need help in getting XXXX to credit my {$7200.00} back. Both of these companies are just giving me the run around. Also, XXXX XXXX is not even giving me credit for this mistake and I have a {$5900.00} negative balance and they reported that I was overlimit to XXXX  Discover Card needs to research and find out why XXXX XXXX  didn't receive their return check for {$7200.00}. Both companies have poor customer service depts. I can no longer deal with either company. I need your help. XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

I sent in a dispute letter to all Credit bureaus XXXX, Equifax, and XXXX  on XXXX to dispute and delete all inquiries that didnt belong to me, are closed or I didnt authorize. 

XXXX  - Closed Date XXXX XXXX- Closed date XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX - CLOSED XXXX Inquiry- XXXX XXXX XXXX XXXX I have yet to hear back or see any progress with my request. I am filing a complaint against the credit bureaus due to not complying within 30 days to my dispute request.
Complaint sub-issue: Didn't receive enough information to verify debt

I XXXX XXXX entered into a consumer credit transaction with US Bank on XX/XX/2016. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge is suppose to include insurance, but US Bank made me purchase insurance separately.
Complaint sub-issue: Their investigation did not fix an error on your report

Both my husband and I are disputing an auto loan with XXXX XXXX. We paid the loan and on the documentation, it shows the loan paid on the Equifax report dated XX/XX/XXXX. I disputed this XXXX XXXX that showed up with it showing a repossession. XXXX XXXX XXXX  are the same company. Furthermore, Equifax backdated a deletion of XXXX XXXX on XX/XX/XXXX! They deleted the correct account and kept the incorrect one. We are obviously getting caught up in a someone else 's bad car loan. 

We have tried to deal with all three bureaus and no one is deleting the incorrect information.You can see that the loan origination date is exactly the same. 

Please help
Complaint sub-issue: Problem making or receiving payments

For the last 60 calendar days, Discover Bank has held my money hostage by blocking my phone number. This has prevented me from closing my account since Wire Transfers require voice verification by their policy. 

The reason for my number being blocked is a malicious and vindictive response from Discover Bank executives due to my filing of a complaint with the XXXX XXXX XXXX for their customer service management team. 

I alerted the XXXX CFPB, and CFPB Ombudsman and none of them addressed the concern. The CFPB Ombudsman never even answered the phone since his service always goes to voice message. 

I am alerting you of this issue and I need immediate resolution so I may begin to transition my active accounts out of Discover Bank 's system this month and ensure no impact on my credit score, accounts payable, and accounts receivable ... since it is the malicious intent of Discover Bank executive office to harm all of these. Again, I alerted the XXXX, CFPB, and CFPB Ombudsman of all of these concerns and they allowed Discover Bank to issue canned responses with NO reference to the clearly stated complaint. 

I need you to interfere and instruct Discover Bank to allow me to transition my funds out by wire transfers within the next 2 months to ensure no impact on my credit score,  accounts payable, and accounts receivable. I have no way to contact Discover Bank by phone which is the only way to wire transfer my funds.