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

Hi On XXXX/XXXX/2021 I sent you another letter asking you to investigate the errors on my report but I still havent had any response from you I am not sure if I am doing something wrong but requesting to remove negative items that are inaccurate should not even be that hard. Please reinvestigate my situation or I might really take this complaint to the next level. I am following a dispute procedure from a certain law expert so please don't take this matter lightly
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports and need to delete immediately : XXXX XXXXBalance {$0.00} XXXXBalance {$3000.00} XXXX-Balance {$350.00} XXXX-Balance {$12000.00} XXXX  ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX-Balance {$1400.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) -XXXX****-Balance {$1400.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX-Balance {$1400.00} XXXX XXXXXXXX-Balance {$190.00}
Complaint sub-issue: Debt was paid

I sent Velo law office the only thing I could find from a pervious debt collector I settled this with. I have been contacted by a dozen over the years and any time they close it out they sell it off no matter what I do. I attempted to ask questions to the law office on why they wouldn't take my dispute and what I could do to ensure that if I settled this again, it would come back next year with someone else. The woman was rude wouldn't speak to me and just kept saying " good luck ''. I can't begin to resolve anything with communication like that. Also they went to court after telling me to ignore the paperwork that was sent to me because I sent in a settlement agreement letter they requested and they never reached back out in the 30 days like they stated.
Complaint sub-issue: Information belongs to someone else

I checked my credit report back in XX/XX/2020 and noticed several inquires on my credit report that i had no knowledge of nor did i authorize, and came to the realization that someone may have stolen my personal information. I contacted my local police department and was told, since no fraudulent accounts were open to file an identity theft report with the FTC and submit it to the credit bureaus to bring any fraudulent activities to their attention and to get them removed. i have mailed a copy of my ftc report using certified mail to equifax and XXXX twice since XX/XX/2020, using the tracking numbers from the mail receipts i was able to verify both times that the letters were received by these agencies. still to this day ( over 3months later ) i have not received any rersults, or status updates from these agencies. i have called these agencies several of times and have got diffrent stories each time, including we never got the letters, we are still working on your disputes, and then again we never received your disputes. i will upload the receipts and tracking numbers from the united states postal service proving that i indeed mailed my forms to these agencies and that they received my documents both times, i will also upload a copy of my federal identity theft report along with my state id and social security card so that these agencies can do the jobs they are paid to do and not falsely close this complaint out due to not being able to identify me
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I had a credit card charge that i am not aware or have not authorized. I filled gas at a XXXX, XXXX gas station and the merchant told me that the card is declined. I then paid it by another card. However, the merchant fraudulently charged lot of money on my card. Citi bank declined to fully investigate this. They did not get any information from the merchant and they clearly stated it in the letter i received. Despite of this, they closed it stating that it is valid because i gave the card to the merchant. They ignored on what i stated about card decline. Full details of what has happened is in the attached letter. 

I kindly request authorities to look into this case and particularly the way they have conducted this investigation, because this type of partial or weak investigation is going to impact lot of customers like me.
Complaint sub-issue: Debt is not yours

( I.C. SYSTEM, INC ) at ( XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MN XXXX ) has been sending me collection notices in the amount of ( {$990.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. I would like this collection removed from my credit report with all 3 agencys XXXX, XXXX and XXXX immediatly.
Complaint sub-issue: Account status incorrect

XXXX credit report i am XXXX and received a XXXX  ( XXXX XXXX XXXXXXXX XXXX ) discharge of my federal student loans in XX/XX/XXXX. all of the loans on XXXX and XXXX are listed as paid and closed ; but there are a number of these same loans on my XXXX report that are listed as paid and closed, but there are also a number of them that have there status listed as UNKNOWN and are affecting my credit report. 

The loans are : 5 XXXX  XXXX XXXX with the account numbers starting with XXXX 1 XXXX with the account number XXXX 11 XXXX with the account numbers starting with XXXX these loans were paid off along with the other school loans that are listed as paid by NELNET on my report. i would like them corrected to reflect the same information and status as the other loans
Complaint sub-issue: Problem with personal statement of dispute

I submitted a complaint regarding two debt collections that are in error to you. Complaint Number XXXX. After checking my credit report the debt collector XXXX for XXXX XXXX was taken off my credit report. I checked my credit report on XX/XX/21 and it was put back on my credit report. The other XXXX  for XXXX is being paid monthly by XXXX XXXX XXXX XXXX. I was told that when a collection is settled my credit score should go up. That did not happened. XXXX ghosted my social security number. XXXX XXXX XXXX is the debt collector not XXXX.
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

I was never notified of this debt in writing or by phone call from the debt collector. I discovered the account on my credit report and had no opportunity to resolve the matter before suffering negative consequences of a collections account on my credit report. The debt collection agency has never contacted me to discuss this debt.
Complaint sub-issue: Application denied

I appied for a Citi Bank secured card approximately two weeks ago. I called there approval Department and the representative said I was approved for an account with Citibank and that I will receive the instructions in the mail to set up my account. On XX/XX/2018 I receive information that my application was denied
Complaint sub-issue: Deposits and withdrawals

Had a legit XXXX deposit deposited into my account. For days it sat as a ledger balance instead of available balance then suddenly bank decided that it was no good sent it back without telling me. Other issue is connecting bank with other apps. PNC will let a few go but the majority its stopped it from linking up
Complaint sub-issue: Seized or attempted to seize your property

As a XXXX year old, XXXX XXXX veteran of the XXXX era, XXXX  XXXX ( can't see out of XXXX XXXX  and barely able to XXXX  out of the other ) it has become unbearable to continue to fight the enemy. The enemy is Discover Financial Services of Delaware and their allies the debt collectors operating with complete impunity because they are licensed State of Michigan Lawyers operating under the name of XXXX & XXXX, XXXX. This situation goes back to XXXX when I signed an application for a Discover Card from the then XXXX XXXX XXXX XXXX Over 17 name and changeovers Discover Financial took a {$10000.00} debt and has made it over {$30000.00}. Their debt collectors have denied me the right to make installment payments. Did I mention this account goes back to XXXX. This debt was in my name only and just a few of the legal bullying incidents include : A judgement which was blunted because my attorney, me, didn't realize you can't subpoena Discover 's contract owners because they were out of state. So representing myself Pro Per or Se I attempted to reconcile the court case. Discover is a XXXX dollar company with unlimited assets and their representatives have filed over 1,600 cases in the XXXX. District Court, so yea, they won, win, and keep winning in spite of 1 ) Placing illegal Judgement Liens on my ex-wife 's real property in XXXX, XXXX and XXXX. All that in spite of laws that call such actions illegal, immoral.
Complaint sub-issue: Account status incorrect

Spoke with representative at credit card company Synovus Bank XXXX XX/XX/2022. The company refuses to help me fix a reporting error, which originated from their reporting. 
Synovus Bank is intentionally reporting inaccurate information - activity on a closed account, which is further damaging my credit profile. 

Explained to representative that my credit report is showing a closed account ( card was lost ) with one late payment and, the replacement card/account with one late payment. 

Rep stated only card ending in XXXX is updating. I kept explaining to representative while reviewing reports that the old card which was lost is still reflecting on credit files, with an update on XX/XX/2022! He did not believe me. 

Explained to representative that I am being assessed two late payments, and therefore, the account which is closed is being reported inaccurately ; it should be removed. 

The replacement card carried over a late payment, and the old card is still reporting as if I have two cards with two late payments. 

Placed me on hold several times. Unable to help and argued that there are no updates. 

XXXX and XXXX are reporting these inaccuracies and will not investigate.
Complaint sub-issue: Delay in processing application

I applied for A discover credit card in XX/XX/2021. I received a not telling me that I would receive an envelope in the mail in 7-10 days and I can check my status on the website. I submitted extra documents on the website and my status was pending. After a month I went to log onto the website and it says my application can not be found. This is disturbing because I submitted the additional documents they requested and they placed a hard inquiry on my credit report. 

I called an tried to resolve this in XX/XX/2021 and they told me there is nothing they can do and I should call credit bureau individually. I explained this does not makes sense as I turned in the additional documents and you all placed a hard inquiry on my account. 

Please help me resolve this and have them remove the inquiry they placed or finish processing my application.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this 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 im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Information belongs to someone else

The following accounts are being disputed due to the fact that they are unauthorized and unknown by me. Therefore, I'm requesting a Method of Verification from the credit reporting agencies., and/ or remove these unauthorized accounts immediately. 

1. US Dept EDU 2. XXXX  XXXX  3. XXXX  4. XXXX
Complaint sub-issue: Attempted to collect wrong amount

I was informed back in XXXX of XXXX that I had a debt being sought out to be paid XXXX XXXX. They claimed they were collecting on behalf of XXXX XXXX XXXX on a balance for {$90.00}. The account number I was given was # XXXX. At this time I disputed the information. It came back that they did agree to my dispute, deleted the information from all 3 of the credit bureaus and it was gone. Then I recently became aware that a new agency by the name of XXXX with a new account number listed under XXXX. I disputed this as well and it fell off of 2 of my credit reports but they have not removed the information from XXXX. I have sent debt validation letters back on XXXX/XXXX/XXXX to see if they would indeed verify this account but that has yet to be done. I am requesting to have this information promptly removed from my credit file as it is damaging and in my opinion fraudulent.
Complaint sub-issue: Received bad information about your loan

XX/XX/XXXX : logged into XXXX account and saw note that my " IDR recertification expired over 90 days ago ; we needed more information but did not hear back from you. '' 1-I submitted it less than 90 days ago, had allowed linkage to IRS database, and received no notification of needing more information. Further, I have been in regular contact with customer service since XX/XX/XXXX asking why my monthly payment increased by {$200.00} and why my PSLF qualifying payments are inaccurate. I was told several times ( and have emails to document ) that my income had increased ( even though I still make $ XXXX gross ). I was told several times to resubmit my ECF forms. I have resubmitted countless times and have fax receipts to prove it. I have been working in 501c3 nonprofits ( XXXX ) since XX/XX/XXXX and have been on an IDR plan since XX/XX/XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX acct # XXXXXXXX XXXX acct XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any 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: Account status incorrect

I cosigned for a loan in XX/XX/XXXX with my now ex-husband and the courts granted him the vehicle however, XXXX said he was unable to finance on his own and refused to assist me. I assisted XXXX in locating the vehicle because he stopped paying on it and was hiding it during the divorce for retaliation. They recently this year XXXX reported the XXXX charge off as a new debt and are saying that the payments are past due XXXX days then XXXX days now. They also increased the loan amount without the amount they got from auctioning the truck. They recently sent me a letter XX/XX/XXXX stating that they will not do anything further to correct this information, because I have contacted them previously about it. The credit bureaus are not updating the account correctly even though I have hired XXXX XXXX to assist me with this issue. XXXX is refusing to put the correct information on my credit reports even after the lawsuits. I honestly don't care about my XXXX credit he was an XXXX and XXXX, they can keep it on his. I have screenshots of all the information from the credit bureaus showing it was a charge off XX/XX/XXXX. Last late payment was XX/XX/XXXX.
Complaint sub-issue: Card was charged for something you did not purchase with the card

THE XXXXXXXX XXXX/CITIBANK has NO Permissible purposes to report or share my non public information with third parties compines or Permissible purposes to obtain my personal information, iv'e contacted this company about this fraudulent account that was open without my consent I've notified this company over and over about this identity theft account this company still contacting me and trying to collect on a charge off date I don't owe, I never open up this account or used goods, services from this company its a result of fraud, MY MAIL WAS FRAUDULENT TAKEN OVER ALSO MY PHONE WAS XXXX SWAP fraudsters took over my whole life I'm fighting to get my life back in order please help me
Complaint sub-issue: Other problem

Elain Financial Services pursuant to section 623 ( a ) ( 3 ) of the Fair Credit Reporting Act Elain Financial Services has violated the FCRA requirements by not putting the required notice of dispute on my credit report will this account is being disputed as required. Under section 623 ( a ) ( 3 ) Elain Financial Services is required to notify the credit reporting agencies that this account is being disputed when I dispute this account. This is a very serious violation of the FCRA requirements by Elain Financial Services. I have disputed the late payment for XXXX multiple times over the past serval months with Elain Financial Services and the credit bureau and the required notice of dispute has never been placed or reported in the comments section of this dispute account. I am once again providing multiple copies of resent credit reports that clearly dont show the required notice of dispute in the comments section of any report. I am also attaching a copy of section 623 ( a ) ( 3 ) of the FCRA for Elain Financial Services review. I have previously disputed the violations of no notice of dispute with Elain Financial Services in XXXX of XXXX  with no response. Elain Financial Services will give the generic response that they can review or see the proof documentation attached. How can Elain Financial Services verify any dispute if that cant review or see supporting proof documentation.
Complaint sub-issue: Investigation took more than 30 days

THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.
Complaint sub-issue: Reporting company used your report improperly

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, I'm gon na go to court
Complaint sub-issue: Information belongs to someone else

In 2018 I suffered a XXXX XXXX and was in the care of a family member which required me to leave my residence and move in with my sister at her residence. Now it has come to my attention that my home had been intruded upon and my personal information was stolen for the purpose of obtaining credit and residency without my knowledge in an identity-theft crime. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information. They have obtained credit or have presently open accounts with XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX, NV XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX.
Complaint sub-issue: Debt is not mine

AFNI collection agency has reported an account to the Credit Bureau as being delinquent and in collections. This company has not attempted to contact me VIA telephone nor US mail. The address they have on file I never lived at. They have not validated this debt with me. The original account was with XXXX XXXX XXXX and after reviewing the police report and Identity theft affidavit they determined that this was not my responsibility I am currently with XXXX XXXX XXXX and account is in good standing. Would a company allow me to continue to have services if I have an old balance. They are in violation of The Fair Credit Reporting Act. This is not fair to me as a consumer. Please do not share any of my contact information with this company.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act 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 has violated my rights. 15 U.S.C 1681 602A states I have the right to privacy.

15 U.S.C 1681 section 602A. Its also states a consumer reporting agency can not furnish an account without my written consent.
Complaint sub-issue: Investigation took more than 30 days

My account with XXXX XXXX has been disputed on 4 occasion since XX/XX/2021 ; however, I have not received any correspondence for them. The credit bureaus has not been able to validate this account. There is a lot of inaccurate information reported to this account that is hindering me.
Complaint sub-issue: Report improperly shared by CRC

These inquiries below should be deleted asap. I have attached email proof I did n't request company submit my deal to all these banks. 

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 All Banks
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent documents to prove that I either paid the debts off and sent them letters that the collection agency would have the accounts removed form my credit files in 30 days but they have not updated my file. 
I am attaching letters and bank statement showing that I have done everything to improve my credit by paying off collections accounts and paying off my charge off. 
However the credit agency is reporting the debt was filed in chapter XXXX and that's not the case. 
I have paid off all theses companies XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX and they reporting the wrong pay off amount! Please see letter and my bank statement with what they debit my account for. 

Plus I have dispute a number of hard inquires that I never authorized but no follow up on any of them wish I did before the Cov19. 

Thanks, XXXX XXXX