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

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated 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 XXXX  days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Reporting company used your report improperly

Frauding scams using my documents of XXXX county Indiana of Michigan XXXX Indiana of XXXX XXXX Hospital of XX/XX/XXXX Frauding scams frauding my parents documents of XXXX XXXX XXXX XXXX XXXX XXXX ( who is decest ) Fraud scams frauding using XXXX Frauding death record of XXXX XXXX XXXX XXXX of XXXX county Indiana Frauding scams frauding using using XXXX XXXX XXXX XXXX documents of XXXX county Indiana Frauding scams frauding my birth certificate long form of XXXX XXXX XXXX and XXXX XXXX of XXXX XXXX Hospital of XXXX XXXX Indiana of XX/XX/XXXX Frauding scams using my immazation record of XXXX   XXXX of XXXX county Indiana which ran through 10 States schools Frauding scams frauding my documents of Grandma of XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX Indiana. She was a XXXX XXXX retiree Frauding scams frauding her 4th husband of XXXX XXXX of Michigan State he was a XXXX XXXX retiree Frauding scams frauding my great great grandparents death record 's of. XXXX XXXX married to XXXX XXXX of Sir name XXXX Frauding scams frauding her parents of my 3 time 's great grandma and grandfather who are decest. 

Frauding scams using XXXX XXXX who was married to XXXX XXXX serial numbers death record 's. 

Frauding scams using using XXXX frauding XXXX Anothney Hospital  of of XXXX XXXX Indiana who was the head of XXXX XXXX Hospital as an XXXX XXXX.. 

Fraud scams using XXXX Frauding scams using business permits Frauding scams using my XXXX  school documents of XXXX XXXX XXXX school of  XXXX county Indiana Fraud scams using my grade school documents of XXXX XXXX  School of XXXX XXXX Indiana as others States land development Frauding scams using XXXX Indiana and Texas XXXX Frauding scams using XXXX XXXX XXXX School as XXXX XXXX   Frauding scams using my documents of XXXX XXXX XXXX as XXXX towns Frauding scams using XXXX XXXX  and XXXX XXXX   Frauding scams using scams using auto stores and medical fraud scams using construction crews Frauding scams frauding 50 states wide Frauding scams using fashion related Frauding scams subdivision sinage Frauding scams frauding my documents and shopping malls Frauding scams using XXXX XXXX Frauding scams frauding my documents as lawyers and judges and attorneys and law partners Frauding scams frauding my documents as adult entertainment scams Frauding scams using my documents as semi truck and send trucks companies 50 states groceries stores retailers store 's products and diner resterant franchises tore in to many documents Federal not interested in 65 percent of USA federal date block over land development areas talking in my documents. 

Frauding scams using many XXXX frauding XXXX XXXX and using business Others also frauded using XXXX XXXX school using XXXX  Frauding scams using using streets and hwys sinage  Frauding scams using dictionary companies and XXXX XXXX Frauding scams frauding XXXX Indiana Frauding scams using XXXX Frauding scams using dump trucks
Complaint sub-issue: Information belongs to someone else

I have repeatedly tried to remove the fraudulent XXXX Lending Club loan from my XXXX credit report. The loan is not mine and when I call Lending Club I am told they can not find the account ( obviously ) so they can not do anything.
Complaint sub-issue: Threatened to take legal action

I recognized that I have become delinquent in my HOA for {$420.00}. I called my HOA to pay in full and they instructed me to call XXXX as it was referred to legal. My HOA graciously provided a phone number to dial in which i have called multiple times during the appropriate business hours, sent emails and left voicemails. I simply can not get anyone to take my payment and i fear that due to this company failing to communicate with me, a lien will be placed on my home.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX XXXX
Complaint sub-issue: Public record

I have settled the tax lien with the state. I would like this negative report removed. My bankruptcy has been long discharged, I would like this negative report removed. Also I was laid off in 2012, in which I got behind on several of my accounts. Within a few months after that I gained employment and paid my debt, can that be removed from my report? Seeing I 've paid current accounts since then with none late. Thank you and have a great day.
Complaint sub-issue: Can't get other flexible options for repaying your loan

I obtained student loans from Sallie Mae when I was completing my XXXX education. Everything was alright with the loans until I went into repayment after graduation. I was misled about the type of loan I had and the interest rates. I was told that the interest rates would be capped at a certain percentage, but every month my interest rates increase by 0.25 % and all 4 of my loans are above 10.5 % and still increasing. I tried to call Sallie Mae to discuss this and they told me that the interest rates do not cap at a certain percentage. Sallie Mae told me that I would receive a 0.25 % interest rate deduction due to me being signed up for auto pay, but no deduction is reflected in my loan balances. I 've tried to call Sallie Mae to get my interest rate decreased, but they said the only way that I can have my interest rates reduced is if my loans default. I do n't see why my loans have to default in order to get my interest rate lowered. That 's absurd. I pay over $ 4,000/ month in bills and Sallie Mae refuses to work with me, but continues to scam myself and other consumers with their fraudulent practices. I try to keep up with my loan payments but it 's hard to when every month my loan balance increases instead of decreases because I 'm paying more in interest rates than principal. This is unacceptable and Sallie Mae needs to fix this. I 've tried to call customer service on numerous occasions to assist with lowering my interest rates but get nowhere with their very poor customer service. I have a loan balance totalling over {$25000.00} that I have been having a difficult time paying on because I have other loans and bills to manage but the balance does n't decrease because of the interest rate. Why will Sallie Mae not work with me to lower my interest rates until my loans default? That is ridiculous and this type of practice needs to be looked into.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX I purchased four tours with XXXX for a future trip to XXXX, using my Citibank Credit Card. 

When the international borders were officially closed due to Covid, I attempted to cancel the tours and get my money back from the merchant, XXXX Merchant refused to give my money back and offered vouchers I then contacted Citibank to dispute the charges. 

Citibank opened a dispute on XX/XX/XXXX ( see XXXX billing info attached ). I was issued a temporary credit until this matter was resolved. This was a very convoluted process with Citibank since customer services did a poor job answering my questions. 

On XX/XX/XXXX, Citibank reversed the credit and resolved the issue in favor of the merchant. Within the same billing statement there was a temporary credit in my favor XXXX XX/XX/XXXX XXXX and a reverse of the credit in favor of the merchant ( XX/XX/XXXX ). This information can be found in my XXXX Invoice, which is attached. 

On XX/XX/XXXX when the XXXX statement was due, I paid it in full through " Auto-pay ''. Therefore, despite disagreeing with the resolution, I paid the amount owed to XXXX. 

On XX/XX/XXXX, Citibank issued a new statement with three new charges for XXXX. 

On XX/XX/XXXX, upon verifying the statement, I called Citibank to dispute these charges, since I had already paid for them in as it can be verified by the XXXX statement ( also attached ). 

This resulted in endless calls with Citibank customer service, dispute center, and fraud department. 

On XX/XX/XXXX After multiple attempts to resolve the matter with Citibank, I filed a complaint with CFPB ( Complaint Number XXXX - also attached ) On XX/XX/XXXX - Citibank, through Auto-pay, charged me the full payment for the XXXX billing cycle, minus " credit '' for part of the dispute they claimed they overcharged. ( Please see " Account information document attached ) On XX/XX/XXXX, I received a letter from Citibank explaining that these charges were not fraudulent, but rather in reference to the XXXX dispute. ( Please see " Reply from Citi attached ) On XX/XX/XXXX, I called customer service again. She informed me I could open a dispute. However, I am here going in circles with Citibank, trying to explain to them, since XXXX, that I already paid for the reversal of credit in favor of the merchant. They are now billing me twice and they deducted this amount from my auto-pay twice, as you can verify by the records attached.
Complaint sub-issue: Information is not mine

Upon being notified by my cell provider that there were several erroneous items on my credit report, I contacted all XXXX of the major credit bureaus to correct the errors. Of the several errors on my report, XXXX was a XXXX Bank credit card account that was sold to XXXX XXXX. Through the CFPB 's assistance, XXXX removed the account from all XXXX bureaus. Since they were alerted the account was not mine in the XXXX place,, XXXX XXXX and XXXX removed the XXXX account from my credit history. 
Equifax however after being advised repeatedly by certified mail and through their website have ignored my demand to remove the XXXX account from my record ; claiming that they have verified the account to be mine ; which is a falsehood. I maintain that this was never my account. I have been disputing this for more than XXXX months now and am now demanding proof of this debt from XXXX Bank as I know it does not exist. Short of legal action against Equifax, I do n't know how to proceed.
Complaint sub-issue: Report improperly shared by CRC

A XXXX door-to-door salesperson was attempting to sell me XXXX services. At first I agreed until I researched the circumstances on my phone and found there were some cases of fraud in a similar situation in my area. The sales representative called an individual on the phone who asked for my social security number in order to do a credit inquiry and I said no. The lady on the phone then said she could look up my 'secret questions ' to confirm my identity for a credit inquiry. I was placed on hold for several minutes and the phone hung up. At that point, I refused the service. I never game my SSN, and I never answered any secret questions for my XXXX account. I was alerted to a change on my credit report today ( 2 days later ) where XXXX had performed a hard inquiry.
Complaint sub-issue: Debt is not yours

I have never had XXXX XXXX XXXX  but i recently went to purchase a home and they pulled my credit and there is a collection on my report from XXXX XXXX XXXX. I tried to find out where this came from with the company but have had no success. It is fraudulent but i can't seem to get it removed from my report. Please assist me any way that you can in resolving this matter. Thanks.
Complaint sub-issue: Their investigation did not fix an error on your report

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The Equifax Credit Bureau 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, aswillful negligence and non-compliance with federal statutes. Please update this account :
Complaint sub-issue: Debt was result of identity theft

I have been complaining for a year to Citibank, NA/XXXX  that I am a victim of a fraud at a gas pump. Someone then used whatever ID they stole to obtain a {$500.00} cash advance. Citi wants that from me plus interest and fees of {$270.00}. I have asked over and over for proof they might have as to who did this, signatures, ID used, pictures etc. They just ignore my requests that they investigate the matter and have placed the account with a collection agency called XXXX. I made the same requests of them to investigate on XX/XX/XXXX and at this point have heard nothing. My credit is perfect, or was, but I will not pay a debt I did not incur.
Complaint sub-issue: Their investigation did not fix an error on your report

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX there is some inaccurate information reporting. 
XXXX Account XXXXXXXX XXXX XXXXXXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXXXXXX XXXX XXXXXXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXXXXXX XXXX XXXXXXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXXXXXX XXXX XXXX  Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXXXXXX XXXX XXXXXXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX  Account XXXX XXXX XXXXXXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXXXXXX XXXX XXXXXXXX Please remove it from my credit report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. 15 U.S. Code 1681 section 602 states I have the right to privacy. I am requesting that all late payments, which are transactions or experiences, be removed IMMEDIATELY from my consumer report, pursuant to 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) - Definitions ; rules of construction, which states the term " consumer report '' does not include " report containing information solely as to transactions or experiences between the consumer and the person making the report. ''
Complaint sub-issue: Debt was paid

This company Jefferson Capital has been coming after me for a debt in the amount of {$2000.00} Since XX/XX/2017 However they are not the legal owners of this debt and this debt was paid in full to the correct owners. I have submitted several disputes regarding this and have contacted this company directly. I was talked to very rudely and even hung up on which was very unprofessional. This company keeps harassing me with calls, letters and scare tactics.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Complaint sub-issue: Information belongs to someone else

Hi, my name is XXXX XXXX and all three bureaus are reporting my address as New York I have never lived in New York ever. Please delete this address off of my report. I have been a victim of identity theft in the past. My address is XXXX XXXX XXXX XXXX, XXXX TN XXXX, Thank you.
Complaint sub-issue: Account information incorrect

My XXXX XXXX XXXX XXXX card information is being reported inaccurately.
Complaint sub-issue: Information belongs to someone else

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX  Balance : {$12000.00} US DEPT ED XXXX Balance : {$5000.00} US DEPT ED XXXX Balance : {$6200.00} XXXX XXXX  XXXX Balance : {$9800.00} 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 Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting Act, bureaus have violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Complaint sub-issue: Credit inquiries on your report that you don't recognize

This is a complaint against XXXX. The reason why I am writing this complaint is because on my XXXX, XXXX, and Equifax credit report on XX/XX/2018, XX/XX/2018 and XX/XX/2018. This inquiry was not authorized by me, this was done under fraud. I will be brief, I did not authorize this and I do not recognize this inquiry. In this complaint I will submit all the documents necessary to verify that this inquiry was not done by my person. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a loan with US DEPT ED, USDOE/XXXX, and US DEPT. OF EDUCATIO. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX   and XXXX and DEPT ED, USDOE/XXXX, and US DEPT. OF EDUCATIO with no successful resolution. XXXX   and XXXX are only reporting me late. There was definitely an error on their part. I was never late.
Complaint sub-issue: Their investigation did not fix an error on your report

Under FCRA section 605 ( C ) Running of the reporting period, Creditors, Collection agencies and Bureaus, if they try and RE-AGE your account, by updating the date of last activity on your credit report in hopes of keeping negative information on your account longer, they can be fined {$1000.00} for EACH account. On a collection account the date of last activity should reflect the last date a payment was made to that company, it is also a violation to reporting inaccurate information. 

XXXX, XXXX and EQ has RE-AGED the alleged accounts on my credit and refuse to correct the issues. Enclosed you will find, copies of my credit report, copies of the letters i sent,
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX sent me an email on Thursday, XX/XX/2021 stating that " Your XXXX XXXX is Closed ''. This company reported me late paying to the credit agencies for being late on my payments. ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX PA XXXX XXXX ) stating I owe them {$1300.00}. This is bad because I have proof of the email that was sent to me.
Complaint sub-issue: Their investigation did not fix an error on your report

A fraudulent purchase was made in my name, on or about XX/XX/XXXX, from a company called XXXX XXXX, XXXX. The charge was sent to a collection agency, XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX. 
On about XX/XX/XXXX I was notified of a change to my credit report, advising of a lien. 

I have never received an Invoice, Statement or notice of Lien from the Vendor or their Agent. 
The sale was made to a party in XXXX XXXX, FL, and not to me personally. 
The collection Agencies have not responded, nor has the collection Agency. 
This is adversely effecting my Credit Score. 

I notified all 3 Credit Agencies and the FTC of the discrepancy, as well as the Collection Agency. No action taken by them.
Complaint sub-issue: Banking errors

see attached letter, dated XX/XX/XXXX and attachments 8 pages
Complaint sub-issue: Trouble with how payments are being handled

Earnest is charging me usurious interest rates. They are charging these rates during an unprecedented era of low rates and during a pandemic. They have refused to lower my rates despite multiple requests.