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

XXXX XXXX XXXX MT XXXX XXXX XXXX TN XXXX EQUIFAX EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX XXXX RE : Social Security Number : XXXX and account reported from XXXX  with account # [ XXXX ] ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND CERTIFICATE EACH EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE  EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL. 
XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

I started a XXXX  in XXXX of 2021 and have since obtained multiple lines of credit that haven't hit my XXXX XXXX  XXXX and XXXX credit reports yet. As part of my plan to grow business credit I submitted a XXXX  application to Staples for XXXX  credit, not personal credit. Instead of checking my XXXX credit, which I did not authorize, they hard pulled by personal credit.
Complaint sub-issue: Debt is not yours

Approximately 2 years ago I had changed my cellular phone service to XXXX XXXX and I had to purchase a new phone to utilize their service. I purchased a XXXX XXXX XXXX phone for {$750.00}, the most I have ever paid for a phone. Within a few weeks the phone had a problem with charging, there was an alert given when I would plug in the charging cord. It would say that there was moisture in the charging port. The phone had never ever been in the presence of any water. I had contacted XXXX XXXX and they sent me a new phone of the same type and they had me send the defective phone back to them. Within a short time I was contacted by XXXX XXXX saying that I had caused corrosion in the phone and that the problem was my fault. After much communication with them and many other agencies including XXXX who admitted that this was a flaw in their phone but they were working on it and I would have to deal with my provider, they would not do anything either. Meanwhile the phone was under warrantee and XXXX had told me that the phone could be submerged in water for an hour, taken out and let dry, and it would be fine, but I had never had the phone in any direct contact with any water. Subsequently XXXX XXXX shut off my service, locked out the phone and my phone number, and I went back to XXXX, got another brand new phone and number, and recently I had gotten an alert on my XXXX XXXX that there was a collection action on my credit report. I had no contact regarding this and no opportunity to defend myself. Early on in this matter I had tried to find some help through some consumer agency but there was nothing and no way to deal with this issue. I am a semi-disabled senior living on my social security and small pension, and this was fraud on the part of XXXX XXXX. I don't know if there is anything that can be done at this point but it is criminal that a company can act in this way and consciously take advantage of people like myself..
Complaint sub-issue: Account information incorrect

To whom this may concern i want to inform your office that you are in violation of FCRA and FDCPA. You have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. 

You are reporting the following collections as an " OPEN ACCOUNT '' which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATION. THE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA. under 15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter
Complaint sub-issue: Transaction was not authorized

Beginig of XX/XX/XXXX I contacted my bank, US BANK about a fraudulent electronic withdrawal for {$470.00} presented as a reprinted check with no signature from me nor drawn from my account as I don't use checks. The instrument was obviously suspect and improper. However the bank honored it and transferred the funds to the unknown party. I immediately notified the fraud department and was told to lock the account but keep open for the return of the funds by credit within ten days as well as my several direct deposits. I opened a new account as advised and initiatived direct deposit changes which the Social Securityb Admin advised would not be effective instill XX/XX/XXXX. 
I called three times to check the status of the credit with the bank and was told twice that it was in process, the third time I was told that no credit would be given because this was a " check '' fraud. And th a after 45 days the investigation would then refund the money. We have gone far beyond 45 days with no resolution. However on XXXX XX/XX/XXXX I received a letter from the bank advising me that if I did not close the account in 30 days then I would forfeit the refund of my stolen money. 39 days is not sufficient time to transfer my deposits. The bank told me to keep it open. I have complied with their rules and requirements yet they have collided to steal my money and refuse to honor their obligation to defend depositors accounts. 
This is an outrage XXXX XXXX XXXX
Complaint sub-issue: Threatened or suggested your credit would be damaged

Todays date : XXXX XXXX XXXX. 
Jefferson Capital Systems recently reported to the bureaus that I owe a {$7700.00} debt. 
-XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX has not yet hit my report. 
Under the information for Jefferson Capital Systems, they are identifying themselves under business type : Finance - Mortgage companies/ Credit Unions / Investments. 

I have never done any business with this company nor heard of them. I have never given them my personal information or the consent for them to use my information. Due to their actions, my credit score has been negatively impacted. 

The only company that has had my consent to use my information in regards to mortgage has been XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

My current mortgage is XXXX XXXX XXXX XXXX active since XXXX XX/XX/XXXX. 

I feel certain rights of mine have been violated in these actions and reports.
Complaint sub-issue: Public record information inaccurate

On XX/XX/2017 I filed for chapter XXXX bankruptcy- all creditors were notified including XXXX XXXX  XX/XX/XXXX- prior to filing bankruptcy all my accounts were current- I stopped making payments in XX/XX/2017, my complaint is XXXX XXXX  - charged my credit card- even thou they were noticed by the court that i was under Bankruptcy protection once I filed. Now its shows on my credit report that I have a charge off.
Complaint sub-issue: Account status

I have disputed an incorrect balance showing on my credit report of {$350.00} for a collection with XXXX XXXX XXXX XXXX. The correct amount should have been {$56.00}. I initiated another dispute on XX/XX/XXXX. On XX/XX/XXXX, I was contacted by the creditor with a name and phone number to call to settle the balance of {$56.00} for a hotel stay that the hotel failed to charge to my credit card upon checkout in XX/XX/XXXX. I paid the balance on XX/XX/XXXX and received an email confirmation from the creditor ( XXXX - XXXX XXXX XXXX ). The creditor provided the name of a contact with the collection agency for me to call. I contacted the collection agency to see when the collection account would be deleted since the disputed amount had been paid to the creditor. She stated that the request had already been sent, and emailed me a letter stating the request was sent to remove the collection account from all three credit bureaus. On XX/XX/XXXX, I received the dispute results from Equifax stating the creditor verified the balance was correct, and is still showing the balance at {$350.00} as a collection on my credit report with Equifax only. XXXX is still showing a balance of {$57.00}, and XXXX deleted the collection account. This information should have been removed by the credit bureaus upon notification from the collection agency. I contacted Equifax on XX/XX/XXXX, and was told that they had not received a request to delete the collection account. I was given a fax number to fax a copy of the letter from the collection agency and a copy of the email confirmation showing that the balance had been paid and to reference the report number XXXX for the dispute, along with a cover letter. After submitting the documents, I was very surprised to receive the results on XX/XX/XXXX stating the collection balance had been verified as correct, and was given an additional dispute number of XXXX. I am having a difficult time getting this incorrect information removed from the Equifax credit report. I uploaded a copy of the letter from XXXX XXXX XXXX to XXXX this date, XX/XX/XXXX, as they are still showing the collection as active on the XXXX credit report.
Complaint sub-issue: Account information incorrect

XXXX of XXXX I submitted a request to validate the information on my credit report and again in XXXX of XXXX. The accounts came back validated, however each credit bureau is reporting different information on the validated accounts and I requested the information be removed. I have 2 documented FCRA violations for each credit reporting agency and the creditors.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

XXXX, a company I rent office space from, charged me {$370.00} on XX/XX/2019 and {$260.00} on XX/XX/2019 for use of the copy/printer. I believed the copy/printer was included in the rent as they did not state that it wasn't and no where in their House Rules, Terms and Conditions or in my contract does it state the copier/printer was an added fee and no where does it state what those added fees are. Due to XXXX charging me for the use of their printer and not disclosing to me the fees for the use of the printer I attempted to dispute these charges with PNC bank which my business credit card is under. XXXX automatically charges me each month and when I saw the additional charge in XXXX I mistakenly assumed it was for my other office space that I was renting from them. When I received my XXXX invoice I realized the additional charges were for the printer use and not for my other office space. I contacted PNC in XXXX about these printer charges to see what could be done as XXXX was not helpful in resolving this issue with me. PNC told me they would investigate. No one from PNC called back and I never received anything in the mail. A couple months went by and I realized nothing had been resolved about these charges. I called PNC and was told the case was closed out and everything was resolved. XXXX had double charged me for rent in XXXX as an accident and PNC thought this was the charge I was referring to and said it was refunded and closed the case out. Additionally, I never received any mail regarding this decision. I refiled dispute cases against both these printer charges in the first week of XXXX. I provided PNC with the invoices with the printer fees and a copy of XXXX 's house rules, terms and conditions and my contract showing that in none of these documents is the printer mentioned as being an additional cost and no document stated what the printer costs were. PNC closed my dispute cases against these charges at the beginning of XXXX stating that they did not see anything wrong with these charges even though the documentation I provided to them clearly did not list the printer as being an added cost nor do any of the documents show what the printer costs are. PNC also told me it was too late for me to dispute these charges but I did attempt to dispute them in XX/XX/2019. PNC did not handle the situation correctly and closed it out. I feel that PNC has handled this dispute improperly from the beginning and I am just getting the run around from them and they made it clear they are not going to help me. This is now going on 6 months where this issue is still not resolved.
Complaint sub-issue: Information belongs to someone else

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following item listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following account as it was fraudulent & was opened without my consent or knowledge XXXX - XXXX XXXX  XXXX Date Opened : XX/XX/2013 Balance : {$14000.00}. 

If you claim this account is 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the XXXX credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXXXXXX 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 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 XXXX XXXX  ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with XXXX XXXX accuracy that each item is XXXX XXXX true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Account information incorrect

Showing a bankrupcy # XXXX, XXXX, XXXX and XXXX I have no record of these item and the federal court has no record of these for me. When asked how did the Bureaus verify these items they have not been able too. 

Per FCRA, they have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified without using E-OSCAR or third party per Thomas v. Trans Union, LLC ( 1:18-cv-06460 ). 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA They have failed to provide information as to how this hurtful information is on my credit report.
Complaint sub-issue: Information belongs to someone else

I was advised to contact you all regarding items on my credit that are not mine. I went to apply for a home loan so I can purchase o home for my new baby thot due this summer and I went to my credit union to apply for o home loon and I was denied. My loan officer gave me a copy of my report and there ore things on there that are not mine. Please remove these items from my credit so that I can purchase a home for my family. XXXX XXXX, XXXX, XXXX XXXX XXXX.
Complaint sub-issue: Debt was result of identity theft

XX/XX/2020 I received an alert that unknown account from Jefferson Capital Systems was reported to my experian credit file. I have been a victim of identity theft and have zero knowledge of the debt in question or the company reporting it. I have included a copy of my police report of previous crimes against me.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

The company name as cash app I've been using them for a little while now and never had a problem until all of a sudden something happen with their system which made it seem like there is unusual activity on my card when I tried to resolve the issue by sending them everything that I needed that they needed they still have not responded if going on almost a week and a 1/2 and they have my money that was issued by unemployment for my bills and I can even use it and they're not trying at all the time to resolve anything
Complaint sub-issue: Reporting company used your report improperly

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX, and XXXX have violated my rights XXXX 

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: Account status incorrect

XXXX is again reporting as a missed payment.
Complaint sub-issue: Didn't receive notice of right to dispute

XXXX XXXX on XX-XX-2017 that negative item was placed on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Requested XXXX XXXX to remove incorrect information off my credit report. More importantly, XXXX XXXX are in violation of FACTA section 623 ( A ) ( 7 ). Never received any mail from XXXX XXXX.
Complaint sub-issue: Reporting company used your report improperly

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. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Addresses : XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, WI XXXX Public Records : XXXX  XXXX Bankruptcy XXXX Inquiries : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX Collecon XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, IL XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, WI XXXX Public Records : XXXX XXXX Bankruptcy XXXX Inquiry : XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX Collecons : 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 Equifax Name : XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX Reocords : XXXX  XXXX Bankruptcy XXXX Inquiries : XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collectons : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX