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

I have received a copy of my credit report and it shows company XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$900.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Complaint sub-issue: Account information incorrect

XXXX. The following account is not mine DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine US DEPARTMENT OF EDU Account Number : XXXX*** Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine U S DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine U S DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine U S DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine U S DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine US DEPARTMENT OF EDU Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine DEPT OF EDXXXX  Account Number : XXXX
Complaint sub-issue: You told them to stop contacting you, but they keep trying

Calls began XXXX at my company. Calls come through the receptionist. The caller identified himself as XXXX XXXX he was with the Company TekCollect. My employee explained we were not available to take the call, so he began to ask my receptionist numerous questions concerning our business, my husband & myself the owners. As the calls continues throughout the month, they became more and more rude and completely ridiculous. We were out of the country for 3 weeks on vacation and was checking in with our managers daily. Apparently, XXXX XXXX thought my employees were lying that we were away from the office. XXXX XXXX asked my employee " How it feels to work for a company that can't pay their bills. '' He also proceeded telling her all my personal information concerning this matter with all the case information and even the amount trying to be collected. Which is not her or anyone 's business to know. We are seeking legal advice with this debt issue. Have told XXXX XXXX to stop calling. We have received anywhere between 3 to 4 calls a day. Never being told the call was recorded. We are attaching a call record showing calls received within a month and a half from the number XXXX there was an anonymous number that does not show up and can't track.
Complaint sub-issue: Account status incorrect

Equifax and XXXX should not be reporting me as an authorized user on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bureaus to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report and this negative reporting is harming my credit score and the line item needs to be removed from my credit report.
Complaint sub-issue: Investigation took more than 30 days

COMMERCE BANK PROMISED TO COREECT ALL LATE PAYMENTS ON SAID ACCOUNT NO.XXXX, AND UPDATE ALL 4 BUREAUS TO REFLECT CLOSED, PAYING AS AGREED, NEVER LATE. PLEASE CORRECT TODAY OR DELETE ACCOUNT FROM ALL BUREAUS OR?
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus dated XX/XX/2022 to update these inaccurate records. I think you have not confirmed these pieces of information in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I filed a complaint against XXXX XXXX and Equifax regarding case number XXXX. As a result of my dispute regarding XXXX being listed as a " Mortgage '' on my credit bureau and requesting for this to be removed due to errors in reporting among other things I disputed regarding their abusive and bullying antics. 

My score as of XX/XX/XXXX was a XXXX according to XXXX as I have been watching it daily because I have been trying to fix my credit and purchase a home. 

Equifax and XXXX as retaliation for my dispute has tried to further damage my credit by reporting incorrect information. At this point this was done intentionally and willfully. XXXX XXXX XXXX  are used to ruining peoples credit and Lives with the Pyramid Ponzi schemes they have been allowed to get away with for years. They know if they report this loan as a " Mortgage '' it will FORCE people to pay when all along they would never ever be able to have access to the Resort. They also know how much damage this can do on my credit report. This was already reported negatively on my credit in XXXX when I stopped paying and listed as a charge off. As a result of " Equifax Supposed Reinvestigation '' they made it appear on my credit I paid 100 % of my payments i missed 1 payment it went from a charge off status to 180 days late. It dropped my credit XXXX points and at this point I a convinced it was intentional. How is this even legal? I filed a complaint with the FTC for the initial case XXXX but I am filing a complaint for this case as well, this is extortion. XXXX and Equifax should be charged with Racketeering cause this is outright dishonesty. 

I have not made a payment to XXXX XXXX since XXXX and for the record I WILL NEVER PAY XXXX ANOTHER COIN. In turn for me disputing this account with the CFPB Equifax updated the file and posted I had 100 % on time payments when in fact I haven't paid XXXX since XXXX and they have listed as 1 missed payment to purposely drop my score. Disputing an account with the CFPB and credit bureau I should not be retaliated and abused by XXXX. My credit should not be damaged cause they already reported this account years ago negatively. Now they rereport cause I disputed the account? How is that possible? I want answers NOT A COMPUTER GENERATED GENERIC ANSWERS EITHER. They are in clear violation of the FCRA how is this Fair and Accurate Reporting? My credit has dropped XXXX points because I disputed an account that was already negatively reported years ago. They marked it as a charge off then a changed it to 180days late when they keep flip flopping to make it harder to attain any credit. I attached proof XXXX and Equifax intentionally and willfully damaged my credit and are well aware I am in the process of trying to rebuild it.
Complaint sub-issue: Public record

EQUIFAX has not closed a XXXX XXXX XXXX credit card with a {$3000.00} limit. This is lowering my credit score utilization. This should be closed in my chapter XXXX.
Complaint sub-issue: Information is not mine

I have disputed this item several times with Equifax stating it is correct which it is not. I do not want to wait another XXXX days for this agency not to properly verify information. There is a public record on my credit report hurting my credit where I can not get approve for a home loan because of this which is my fathers THIS DOES NOT BELONG TO ME. Please help assist me. The next move will have to be hire an attorney to resolve.
Complaint sub-issue: Don't agree with fees charged

Based on information provided by XXXX I sought to seek enrollment as a fulltime student at the XXXX university to pursue a XXXX XXXX XXXX XXXX XXXX. Based on expected cost & information provided states tuition & fees ARE NOT billed at the cost per credit hour of {$600.00}. In addition, pre-generated predatory loans with XXXX though Great Lakes Borrowing based on Truth in Lending Act includes fees for the school application of which was previously settled months prior to enrollment. Total amount billed with Great Lakes include Cost of course/ fees for classes I as a student never enrolled, gained education, or scheduled. 

Transcripts of prior courses were provided and approved by the institution before enrollment for credit adjustment to decrease original loan amount for cost of transferrable credit. While enrolled as a Full-Time student all Department of Education Subsidized, Unsubsidized, and Scholarships were applied to Tuition. It was advised if I wish to obtain additional funding for expected living/outside expenses private loans were required, as additional funds received by University would deflate institutional awarded scholarship that is non-cash redeemable. 

With intensive recruiting by agent XXXX XXXX, there was an urgency to begin classes sooner than expected as all documents were secured with appropriate departments. Special structure of program allows access to classes taken online until arrival at the XXXX. After speaking with several other students who were not aware of the process it was determined many students originally failed the online introductory XXXX credit hour course, which is designed for campus resulting in {$1800.00} pay to retake fee. 

Lack of independent accounting practice as done by XXXX and XXXX XXXX, has afforded XXXX to negatively impact student & parent consumers credit with students who are billed {$45000.00} for courses and a negligence to mention approximately {$17000.00} unmet need with Department of Education as expectation of private loans by parent plus or cosigner are to meet student living arrangements. 

After addressing wishes to suspend having loans billed as I would not be attending classes XXXX XXXX continuously billed Great Lakes from XXXX with out approval. 

XXXX XXXX, XXXX I received an email stating XXXX XXXX University reconciled records to determine a XXXX Refund Check was due in the amount of {$1.00} from loans disbursed to the University by Department of Education from Fiscal Year of XXXX for expected associate cost of obtaining a education while attending classes XXXX hours a day 6 days a week. 

Many students ' graduates and those who were forced to withdraw due to lack of XXXX XXXX funding are stuck with the burden of poor quality education, un-transferrable courses and erroneous loans unable to make payment or obtain gainful employment.
Complaint sub-issue: Account information incorrect

I received an email from XXXX stating that my credit limit has been reduced due to my payment being late and I had a past due balance. I scheduled my payment on XX/XX/XXXX to be drafted on XX/XX/XXXX. I received a confirmation email after I scheduled my payment which Ive attached to this message. I called customer service and spoke with a young lady by the name of XXXX. She advised me that she could see that I had scheduled a payment on XXXX to draft on XX/XX/XXXX and she was sure as to why they never drafted the payment. She also advised me that this missed payment has affected my credit. I advised her that I had a confirmation emailing stating that I scheduled my payment as I do every single month. She then said she would put in a complaint to fix the issue and update the system, however it would take 1-2 billing cycles to fix. I advised her that was unacceptable as I was in the middle of refinancing my home. She told me there was nothing they could do about it. I asked to speak to a manager. She then transferred me to XXXX who immediately came on the line rude and uninterested in my issue. He immediately began ranting about what XXXX had already told me and said there was nothing he could do. He interrupted me each time I tried to speak. I also advised him that waiting 1-2 months to update my credit report was unacceptable as I was in the process of refinancing my home. He again said there was nothing he could do but to put my request in the system. I then asked him how is it that your company can make a mistake and if affect me and not you. He seemed irritated that he even had to take my call. I would like my credit report updated IMMEDIATELY and any fees removed from my account. They should not be allowed to treat customers this way. They mess up and there arent any repercussions and the customer is the one who pays the cost. Its RIDICULOUS! I also would like someone over XXXX to reach out to me in regards to his behavior! This is unacceptable!
Complaint sub-issue: Problem with product or service terms changing

Equifax had a massive data breach affecting 140M+ Americans on XXXX XXXX. Not only did they take over a month to alert the public, but executives were in the news for having sold their stock the day before the announcement. They demonstrated a reckless disregard for information security and their customers* ( *Nobody has any choice about what data they gather or store, as it is basically impossible to function in modern society without credit ). 

It has also been reported that there 1 free year of credit protection they are offering to Americans who may have been affected includes a clause that waives your right to join a class action lawsuit. Americans should not have to pay to freeze their credit, especially given the potentially catastrophic impact this breach could have on an individual 's finances. Also, credit reporting firms ( XXXX and XXXX included ) should not be exploiting this breach to market their credit protection services. 

XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I reached out to XXXX XXXX XXXX XX/XX/XXXX, I advised XXXX XXXX Bank I haven't applied for any products or services with their company, they advised myself to reach out to Credit Bureaus and it would be removed. 
I contacted XXXX, I advised XXXX that I haven't authorized anyone to performed a credit check on my credit report, XXXX advised I call XXXX XXXX Bank, I explained to XXXX, I contacted XXXX XXXX Bank once again.They advised I submit this request in writing, so I sent XXXX a certified letter XX/XX/XXXX, XXXX received the letter XX/XX/XXXX, but is stating they haven't. 
XXXX is refusing to remove this inquiry from my credit report and XXXX has violated my rights as a consumer. 

15 U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting
Complaint sub-issue: Was not notified of investigation status or results

On XXXX 2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Complaint sub-issue: Reporting company used your report improperly

Spoke to XXXX ( XXXX ) in the Office of Consumer Affairs with Equifax XXXX XXXX XXXX on XXXX XXXX at XXXX am. I also spoke with XXXX ( XXXX ), I also spoke XXXX as well and she provided her employee ID ( XXXX ). I have also spoken with XXXX ( XXXX, and unfortunately, none of the agents wanted to assist, even though I am assigned to this department. I provided account number of XXXX XXXX, ( that was deleted from my file in XXXX XXXX, and placed back on to the file in XXXX XXXX. I have spoken to Equifax Office of Consumer Affairs, until this date they have continued to violate my consumer protection rights as a consumer. They have issued my consumer report to a third part agency ( XXXX XXXX ) listing the items that are fraudulent on my credit report. All of the agents above have stated that they are not able to assist me, at this time over the phone, I have filed Mutiple complaints through the CFPB regarding the Equifax Office of Consumer Affairs, and nothing is done. Please help me to understand how an agency that is issuing consumer reports are able to not keep accurate information and continue to report fraudulent information to third parties regarding my consumer. Also, the calls are outsourced to foreign places outside of the XXXX.
Complaint sub-issue: Card opened as result of identity theft or fraud

There is a Home Depot credit card reporting on my credit report. I have never applied for this credit card, and I have never signed anything or authorized this account to be opened. As soon as I found out that this account was reporting on my credit, I immediately contact this business and had it closed.
Complaint sub-issue: Information belongs to someone else

I HAVE DISPUTED VARIOUS ACCOUNTS AND THE MAJOR CRA 'S HAVE FAILED TO PROVIDE VALIDATION AS REQUIRE BY ( FDCPA ) SUB SECTION 809, WHICH REQUIRES THEM TO SEND A VALIDATION LETTER AND DOCUMENTATION TO SUPPORT THEIR CLAIM, ORIGINAL CREDITORS NAME, ADDRESS, AMOUNT CLAIM TO BE OWED AND SIGNED DOCUMENT, OR AGREEMENT, OR CONTRACT, I SEND THIS COMPLAINT WITH ATTACHED LETTER AS AGAIN ANOTHER DIRECT DISPUTE AND FINAL DISPUTE BEFORE FILLING SUIT.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2020, JEFFERSON CAPITAL SYSTEM add a derogatory marks on my credit reports per XXXX, XXXX  and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA JEFFERSON CAPITAL SYSTEM has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Complaint sub-issue: Reporting company used your report improperly

Hello my name is XXXX XXXX. I am writing to delete the following information from my life. Ive been trying to start up a new business venture and this has been holding me from doing so. Ive already went through this process once and it is still on my report. The fair credit reporting act was intended to ensure that you exercise your grave responsibility with fairness, impartiality, and respect for the consumers right to privacy! As it relates to confidentiality, accuracy, relevance and appropriate use of such information, Congress requires you to develop reasonable processes for addressing the needs of commerce in a way that is fair and just to me. You have violated my right to PRIVACY which is a direct violation of the FCRA and the XXXX XXXX XXXX XXXX! I did not consent or authorize for you, or the people mentioned in my attached documents to use or share my non public info info. No consent or authorization is IDENTITY THEFT which i demand to Cease and Desist! Pursuant to 15 usc 1681a ( 2 ) congress makes it very clear that a consumer report does not contain any transactions or experiences. As a result I am demanding for the following transactions and or experiences to be updated in accorance with my following instructions I noticed this problem on XX/XX/XXXX ATTN : XXXX, EQUIFAX, XXXX Accounts : Account name : XXXX XXXX When the account was opened : XX/XX/XXXX Account balance : {$4900.00} Inquiries : Inquiry name : XXXX  Inquiry date : XXXX XXXX Inquiry name : XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX  Inquiry date : XX/XX/XXXX Inquiry name : XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX Inquiry date : XX/XX/XXXX Pursuant to 15 USC is 1681c-2 ( a ) you have 4 days from the date of this notice ( XX/XX/XXXX ) to comply with my demands in the text above. This will be my first and last attempt to resolve this issue! 

Sincerely, XXXX XXXX
Complaint sub-issue: Information is missing that should be on the report

Equifax continues to report an account without a credit card name or creditor information and I do not recognize the death nor can I follow up to find out if it is accurate or in accurate. Course I believe it is in accurate and that no such account exists in my name and would like to see proof and name of original creditor along with valid proof that the account belongs to me. 

The FCRA requires such information be displayed correctly. This account does not display three of the four points required by law as of XX/XX/2017.
Complaint sub-issue: Information belongs to someone else

I am very stressed out because I do not recognize these accounts. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal actions.
Complaint sub-issue: Information belongs to someone else

I've reviewed my account and noticed information that was inaccurate and didn't belong to me.
Complaint sub-issue: Trouble with how payments are being handled

On XX/XX/19 made an excess payment on my student loans. This payment was not applied to the loans with the highest interest rates despite my account settings being set to do so, and despite the loan service 's website claiming that excess payments are applied to the highest interest rate by default. They ignored both my preferences and their own guidelines. 

This is not the first time I have had this issue.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2018 XXXX Enhanced Recovery Co L , Reported a balance of {$910.00} for a fraudulent account that was opened with my information. I have exhausted all resources with getting the creditor to remove this fraudulent account as it is not mines.