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

Equifax this is your final notice to DELETE those charge offs XXXX XXXX XXXX and XXXX XXXX XXXX of my consumer reports!! 
You have been holding this account more than 30 days. 
I am tired of YOUR negligent reckless investigation 15 U.S. Code 1681q - Obtaining information under false pretenses Is a violation!!! 
18 U.S. Code 1028- Fraud and related activity in connection with identification documents, authentication features, and information. According to the law everything what can not be verified after 30 days must be DELETED. 

15 U.S.Code 1681s-2 A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall NOT furnish You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a FINAL opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report. 
Failure to respond to this factory with deletion of the charge off will result in legal action being taken against your Consumer reporting angency for which I will be also seeking {$1000.00} for violations and more damages Economic Emotional Statutory Punitive Wanton/reckless and willfully Attorney fees 15USC 15 SUITS BY PERSONS INJURED DEFAMATION OF CHARACTER NEGLIGENT NON-COMPLIANCE CIVIL LIABILITY MENTAL ANGUISH
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I received my the first copy of my credit report I found many errors starting with my personal information leading to account information that were never corrected with the following Credit Bureaus Equifax, XXXX, and XXXX. On that day I wrote a letter to all 3 Credit Bureaus stating that my personal information was incorrect on my credit report, they did not correct that information. I then wrote a letter on XX/XX/XXXX stating and describing all 19 items that are reported on my credit report are being reported inaccurately and needed to be corrected or deleted. They have failed to correct that information. I then wrote a letter on XX/XX/XXXX stating the same information again and they have failed to correct it. Im reaching out to your company to help me get through to the Credit Bureaus that I have been done and injustice and they are wrongfully reporting inaccurate information on my behalf that is causing me great stress and financial hardship by not being corrected.
Complaint sub-issue: Problem during payment process

On Friday morning XX/XX/2018 I tried to make a payment on my XXXX XXXX credit card. I tried using XXXX web browser and received a message that the data was not encrypted properly and attackers would be able to steal my information. I have been making my credit card payments in the same way for the last year and never had this problem. I called the company and was told to use XXXX XXXX as the web browser. I got the same message from that browser. I called the company back and was simply told they are not aware of any problems. The customer service person stated there was nothing wrong with the company web site or security. The person didn't even want to forward my information to IT. The company should look into the insecurity of their system and advise customers.
Complaint sub-issue: Information belongs to someone else

I asked for a removal of incorrect inquiry and the company refused to remove. When asked to speak to supervisor, I was hung up on.
Complaint sub-issue: Investigation took more than 30 days

Account Name : XXXX XXXX XXXX XXXX  Date Opened : XX/XX/2019 Amount : {$32000.00} Account Type : Charge Off This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation
Complaint sub-issue: Received bad information about your loan

I graduated with an XXXX XXXX XXXX in XXXX. XXXX XXXX consolidated my federal loans and I paid them to XXXX. Nelnet called my 10 times a day with student loan forgiveness calls. I finally talked with them. They told me I would be crazy not to let Nelnet service my loan. After all, they were offering student loan forgiveness. So I went with Nelnet and all I got was exactly what XXXX XXXX was offering only my 25 years to forgiveness starting over again. I will have paid on this useless degree from age XXXX to age XXXX. This seems predatory and fraudulent. 

This has affected every financial decision I have made my adult life. It causes inflated the interest rates on literally everything that Ive applied for. I have been turned down for apartment complexes, housing, Car loans, you name it There is no end for me. I will die with these loans. I currently owe {$460000.00} on an initial loan of {$52000.00}. There were no jobs in the arts field that could possibly merit paying these loans so I had to leave it. I am a flight attendant. 

Please help. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV. XXXX
Complaint sub-issue: Account status incorrect

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove XXXX  : XXXX XXXXXXXXBalance {$240.00} XXXX-Balance {$730.00} DPT EDXXXXBalance {$20000.00} XXXX  XXXXBalance {$360.00} XXXX  XXXX-Balance {$130.00} XXXXBalance {$470.00} XXXX-Balance {$0.00} XXXX  XXXX XXXXBalance {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXXBalance {$130.00} XXXX XXXX XXXXXXXXBalance {$12000.00} XXXX-Balance {$0.00} XXXX XXXX XXXXXXXXBalance {$0.00} XXXX XXXX XXXXBalance {$2400.00} XXXXBalance {$0.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XX/XX/2019 XXXX XXXX XXXX I have called and wrote this company in reference to the above inquiry in which I did not submit for them to verify the inquiry, but nothing has been done in reference to reporting accurate information to the credit bureau. I am a victim of identity theft and I am requesting that this inquiry be deleted as soon as possible.
Complaint sub-issue: Their investigation did not fix an error on your report

The credit bureaus put stuff on my credit report without even warning me about it. I never received any correspondence from them.. These accounts were fraudulently opened in my name. I am a victim of identity theft and did not make the charges..I am requesting that the items be blocked to correct my credit report XXXX XXXX XXXX ( Original Creditor :  XXXX  XXXX XXXX XXXX TX ), XXXX   XXXX XXXX ( Original Creditor : XXXX AT XXXX ) XXXX , XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX , ( Original Creditor : XXXX XXXX XXXX ) XXXX, ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX - only Equifax report this account, XXXX XXXX XXXX - only XXXX
Complaint sub-issue: Debt is not yours

The unfounded debt was initiated by XXXX XXXX XXXX XXXX XXXX XXXX ) directly attributed to the apartment complex XXXX XXXX XXXX in XXXX, LA. 

I had to move into this facility due to being a direct victim of Hurricanes Laura, and 6 weeks later Hurricane Delta. I stayed there during the legal battle that had to take place in order to repair my home which took over a year. I paid every rent amount due on time, never was a payment late in ADDITION to the mortgage I was paying on a house unable to be lived in. I submitted a 60 day notice ahead of moving out as stated by there policy ( which wasnt across the board as others were able to pay month to month I would learn ). 

I spoke directly with a XXXX XXXX with XXXX XXXX XXXX and all funds were paid and I moved out XXXX of 2021. I have a balance sheet showing I have a XXXX balance and Ive been getting repeated calls from a collections agency ( XXXX  ) saying I owe {$700.00} when they never even returned my {$500.00} deposit. I sent them proof of no balance from XXXX XXXX itself showing I indeed owe XXXX dollars. Yet I have been submitted to collections when I have worked tirelessly to build my credit. They have only recently began to call 2-3 weeks ago claiming to needing to speak to me regarding the balance. When I emailed the balance to them to the email I was provided I received NO confirmation, and the harassing calls continued. 

I can submit any documents needed to show this is fraudulent and in fact reporting me to collections has a damaging effect. I am beyond tired of fighting matters of finances when there isnt a battle to be fought over to begin with. 

I believe this is malice and taking advantage of victims who are already pinching every penny and doing their every best to get by. On my own complaint, Im furious because this matter was settled nearly a year ago.
Complaint sub-issue: Trouble with how payments are being handled

I have been making payments to XXXX XXXX since XX/XX/17 and due to the government putting a forbearance due to disaster near or far away from me, i am having to call each month to remove it. i was not affected by a disaster and I am not ok with someone else deciding for me I need forbearance. I have not approved it nor can I call anyone to end this process. The customer service are trying to help but the account continues to have money moved around and I am getting monthly reminders that I have missed a payment only to find in the account that I did indeed pay it on time. I cant get a number to call with the Department of Education to end the forbearance. I am not approving this and I want my account to be cleared so I can pay my on time payments in peace. I spent 1 hour on the phone trying to fix this 2 times in 2 months. Today a forbearance was put on my account again and my payment due was changed. I have no information in the account about this. Correspondence is sent after my account details are changed so I am getting info after it has been applied. Again without my approval. I want to be informed before something is happening not after. My calls to customer service have to happen to stay informed and are a waste of time on both ends. this system needs to be changed.
Complaint sub-issue: Sued where didn't live/sign for debt

They called and said they would give me a hardship settlement if I paid them right now with debit. They said checks and credit are not acceptable. He said he would be forced to go further if I do not pay and take me to court. They then proceeded to harass me at work, I did not give them my work numbers. XXXX XXXX is the name he gave me XXXX. The ladies name was XXXX XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed. 

I demand the following accounts be properly verified or removed immediately. 

1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX   4. XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX 5. XXXX XXXX/ XXXX
Complaint sub-issue: Billing dispute for services

Since XX/XX/2020 I have been trying to dispute and get late payments from my Great Lakes student loan. They reported wrong and inaccurate information on my student loan that have been closed and transferred. I want this information to be investigated and removed since the account have been closed and transferred to XXXX. The account is closed and have been transferred but it still showing on my credit report. I have wrote several letters to help me remove it but get denied
Complaint sub-issue: Investigation took more than 30 days

Equifax has ignored all my request and CFPB request This is my final request Asking for assistance. I have included ID and Reports and I will also include documents that were faxed to them on several occasions with the fax received receipt. and my phone number. before reporting this issue to the Attorney General of the XXXX of New Jersey. the settlement with the breach doesn't amount to the impact it causing to my life.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX & XXXX would not remove these accounts from my credit after doing the online dispute and writing in my dispute. Equifax has already removed these accounts due to an insurance claim. Both of these accounts were joint accounts and the vehicles were not my responsibility : XXXX XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Equifax, XXXX, and XXXX would not remove these account after I requested it to be investigated by showing proof of a physical contact that I signed, per the FCRA : XXXX XXXX : Account # XXXX ******XXXX XXXX. Account # XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Equifax customer service and online dispute would not remove these inquiries. I never signed any documents stating to have these inquiries placed. <P/>XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX. XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX Inquiry : XX/XX/XXXX Personal Loans Cos. XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX customer service would not remove these inquiries. I never signed any documents stating to have these inquiries placed. <P/>XXXX Inquiry : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX, I booked a XXXX flight through my Citi Premier Card using XXXX XXXX points worth {$800.00} as well as a credit of {$57.00} for a total ticket cost of {$850.00}. 

On XX/XX/XXXX I received an email stating that my flight was canceled due to the COVID-19 situation. Subsequently, I called Citi to obtain a refund of my points spent. Over the course of the next 4 weeks, I placed over 15 calls trying to get in contact with the company to find recourse for my situation. I spent over 16 hours on the phone trying to get this resolved as recorded in my phone records. I was transferred  between multiple departments from customer service, the XXXX points team, and speaking with supervisors. 

Ultimately, I was informed directly that Citi is opting to follow XXXX XXXX 's self-determined policy of providing airline credit rather than the U.S. Department of Transportation guidelines requiring airlines to provide full cash refunds on canceled flights. I am referring to the DoT Enforcement Notice released on XX/XX/XXXX stating " in the context of the XXXX Novel Coronavirus ( COVID-19 ) public health emergency, that U.S. and foreign airlines remain obligated to provide a prompt refund to passengers for flights to, within, or from the United States when the carrier cancels the passengers scheduled flight or makes a significant schedule change and the passenger chooses not to accept the alternative offered by the carrier ''. The notice is listed at this address : https : XXXX ). Again, the agent I spoke with stated clearly that Citi is opting to follow a company 's guidelines over that of the U.S. DoT. 

They are now unwilling to refund the XXXX points worth {$800.00} for my ticket and are instead offering flight credit to be used in two years, which is against the DoT guidelines for cancellations. They have however, temporarily provided a {$57.00} credit to my account to cover the non-point portion of my ticket purchase. There action is illegal and unacceptable. Furthermore, I will not be expecting to have the time to actually use this flight credit over the next two years during my medical residency. I am hoping that the CFPB can help resolve this issue and ensure that Citi follows clearly stated government laws.
Complaint sub-issue: Their investigation did not fix an error on your report

I received an email earlier through XXXX XXXX was still working on the issue. At XXXX I received an alert there has been another change. Both accounts were settled same day with Sears not as reported by CBNA/SEARS through XXXX XXXX XXXX  for 3rd party disclosure adversely and drastically affecting my credit score within 15 days.
Complaint sub-issue: Reporting company used your report improperly

I, XXXX XXXX, consumer in fact, opted out of sharing my personal and private nonpublic information from Equifax. I sent Equifax a " Privacy Opt Out Notice '' on XX/XX/2022. Equifax has been fraudulently disclosing my personal and private consumer information without my consent, which includes the six accounts listed on the notice. I am requesting immediate deletion off of my consumer report.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX Balance : {$8000.00}
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX ( now owned by Keybank ) allowed a payment to go throught that I did not make to a payday loan. When they investigated it they wanted me to speak with company and give my personal info out. I refused and XXXX XXXX sided with fraudlent company. I continued to fight them even filed complaint with CFPB when it happened. I was going through a bankruptcy and included this in it and was discharged in XX/XX/XXXX. While going to op ; en a new checking account it was found they have me listed fir XXXX owed to them
Complaint sub-issue: Information is incorrect

LexisNexis XXXX . information exchange reports that I had in auto accident. The company reporting the information is XXXX XXXX XXXX XXXX. The following is the identifying information on the report. 

XXXX file number : XXXX Claim number : XXXX Policy Type & Company : XXXX XXXX XXXX XXXX Policy number : XXXX Driver : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, MI XXXX Driver License : XXXX Vehicle XXXX XXXX XXXX number XXXX I did not have an auto collision, my vehicle was vandalized on XX/XX/XXXX. An unknown person stuck a wrench through the radiator of the vehicle. My vehicle was parked and unoccupied at the time of this incident. At no time was another vehicle involved. There was not a collision of any kind. There was never any police report filed of an auto collision occurring. I informed XXXX of this when I filed the claim. I just became aware in XXXX that XXXX was reporting the incident as an at fault accident. I am disputing this report and would like XXXX to remove it. This information is affecting me negatively. 

My contact information : XXXX XXXX XXXX XXXX XXXX. 
XXXX, MI XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

There are some hard inquiries on my credit report that I did NOT authorize. I am in distress with these fraudulent items on my report. Please have these unauthorized Inquiries removed from my credit report. Inquiries are listed below : XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Please remove these from my credit report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Texas XXXX Dear Equifax This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX Made on : XX/XX/XXXX Made with : Equifax Made by : XXXX Made on : XX/XX/XXXX Made with : Equifax Made by : XXXX  Made on : XX/XX/XXXX Made with : Equifax Made by : XXXX Made on : XX/XX/XXXX Made with : Equifax Made by : XXXX Made on : XX/XX/XXXX Made with : Equifax Made by : PXXXX Made on : XX/XX/XXXX Made with : Equifax