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

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day oveXXXX XXXX XXXX later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX XXXX gives a reason to immediately remove those items from my credit report. It has been over XXXX XXXX so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax XXXX XXXX and may have got into the hands of the wrong person.
Complaint sub-issue: Not given enough info to verify debt

ECMC is reporting inconsistent and inaccurate information to XXXX, XXXX, and of the XXXX. In reference to XXXX accounts with the same account # XXXX, they are reporting it as a " closed account '' to XXXX, an " open collections account to XXXX, and a " closed collection '' account to XXXX. These inaccurate reports to the major credit bureaus are damaging my credit worthiness and my credit score and should be DELETED under Secction 611 ( 5 ) ( A ) of the Fair Credit Reporting Act.
Complaint sub-issue: Reporting company used your report improperly

According to the Fair Credit Reporting Act the following accounts have violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX The Fair Credit Reporting Act shows several laws being broken here 15 U.S.C 1681 section 602 A : states that 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.
Complaint sub-issue: Information belongs to someone else

Someone open an account in 2017 in my name and it was open fraudulently I tried to get in contact with XXXX XXXX XXXX XXXX Bank at XXXX XXXX and writing them at their address at XXXX XXXX XXXX XXXX XXXX Utah XXXX ) about the secure credit card that was closed for {$66.00} due balance the account was open and XX/XX/2017 I did not open this account it was done against my will someone stole my identity I have an identity protection number from the IRS as a result please remove this account immediately as it was opened fraudulently. This has already been removed deleted as it has shown it was fraudulent off of my XXXX report I would like for this to be forwarded to Equifax so that this can be removed from my Equifax consumer report as it was opened fraudulently
Complaint sub-issue: Problem using a debit or ATM card

XXXX XXXX XXXX XXXX Veteran XXXX XXXX XXXX, XXXX XXXX XXXX IL XXXX Reference XXXX Subject : Unauthorized transactions in the about of {$200.00} and {$100.00} within XXXX minutes apart of each other. 

Important note : If you need me to file a police report I can do that. I would like to press charges against the person with $ XXXX low down XXXX ( $ XXXX ). How can the XXXX Police get in contact with you to obtain more information so they can located/charge this person as an accessory to a crime. 

Question XXXX XXXX XXXX | $ XXXX | XXXX | XXXX Question XXXX {$200.00} to low down XXXX ( $ XXXX ) on Wednesday, XX/XX/XXXX at XXXX | {$100.00} to Low Down XXXX ( $ XXXX ) on Wednesday, XX/XX/XXXX at XXXX Question XXXX I do not know this person called low down XXXX ( $ XXXX ), nor is this person in my contacts. I did not authorize this, and it was down with out my knowledge and consent. If you look at my history over for the year 2022 you see that I only send money to people, I have listed in my contacts. I will file a complaint with the Consumer Financial Protection Bureau about this. Also, I you would like me to file a police report about this issue I have no problem doing this. 
I just want and need my money back ASAP as it is XXXX and I have to buy food and things for my kids. 
Question XXXX No Question XXXX XXXX XXXX XXXX Stylus Question XXXX XXXX, Illinois Question 7 No, I did not. 
Question 8 I do not think I had setup. I was not aware that I could setup a pin for performing transactions. I will definitely be setting this up ASAP. 
Question 9 & 10 Yes, I have possession of my device but a so called associate had used my phone when I closed with out my knowledge and permission to steal money by sending it to someone they know. 
I do not know this person called low down XXXX ( $ XXXX ), nor is this person in my contacts. I did not authorize this, and it was down without my knowledge and consent. If you look at my history over for the year 2022 you see that I only send money to people, I have listed in my contacts. I will file a complaint with the Consumer Financial Protection Bureau about this. Also, I you would like me to file a police report about this issue I have no problem doing this. 


Important Note : I am an XXXX XXXX Veteran I have no reason to lie about this. I just want and need my money back ASAP as it is XXXX and I have to buy food and things for my kids. 


Respectfully, XXXX XXXX
Complaint sub-issue: Didn't receive terms that were advertised

In XX/XX/2021, I submitted a CFPB complaint ( ID XXXX ) against KeyBank over their failure to pay a {$400.00} promotional bonus for opening a Key XXXX XXXX account. On XX/XX/2021, KeyBank issued a response letter stating they would credit the {$400.00} to my checking account, and that the amount would be reflected on the " next account statement. '' It has been more than four months since KeyBank made this promise in response to the original CFPB complaint, and they still have not credited the {$400.00}. Throughout this time, I've contacted their customer service on multiple occasions to ask about the status of the payment, and each time the customer service rep assured me they were working on it and I would see the credit " soon. '' The last time I made contact, over a month ago, I was told the person at KeyBank in charge of my case would send me a letter in the mail. I never received any letter.
Complaint sub-issue: Their investigation did not fix an error on your report

The credit bureaus has allowed creditors to place harmful information on my credit report. I requested from the bureau as well as the collection agency. I have asked for signature bearing documents to prove the validity of the debts I disputed. No such documents have been provided and experian is complicit in this illegal action along with the collection agencies. The credit bureaus are violating the fcra.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

There are disputes on my account pending from fraudulent charges on my account from a dating service XXXX XXXX back to before XX/XX/2020. I put in a dispute for the charges in the appropriate time and reported fraud on my account the dispute was not put through appropriately and therefore the charges reappeared on my account. I called and once again put in an additional dispute and was assured that it would be properly handled and yet again it was not. So I have for the third time attempted to correct all these charges which were over {$400.00} in charges. In my third attempt I am now being told the charges are too old for them to dispute. That is not my issue as I did dispute the charges in the appropriate timeframe and due to them not doing their jobs properly or communicating things with me this has dragged on for about a year at this point. And every representative gives me a different story when attempting to fix the matter. First they tell me the disputes are too old. Then I am being told that it was reported as fraud and that it was proved that I did have a page on XXXX which best buy never informed me of any such proof and never provided any such proof for me to dispute. So reporting them is my last resort for a resolution
Complaint sub-issue: Sued you without properly notifying you of lawsuit

XX/XX/2021 : I was served with a XXXX Summons/Notice to Appear for Pretrial Conference ( COVID ) by Marcadis/Singer. The Notice stated : " You are hereby notified that you are required to appear on the XXXX day of XXXX. 2021 at 2pm for a Pretrial Conference. " PLEASE GO TO XXXX [ XXXX ] TO CHECK THE INDIVIDUAL JUDGE 'S SITE FOR INSTRUCTIONS DUE TO COVID-19 '' The Notice to Appear nor any of the documents I was served with gave any instruction on how to appear for the Pretrial Conference. I went to the link, and realized I needed to Marcadis/Singer PA to get more information. I was only able to speak with a representative from their " Collections Dept '' and she instructed me to contact the courthouse to find out how to appear for the online pretrial conference. I was confused that the attorney 's office would not and could not give me information on how to appear at the hearing. 

I then contact the Court to find out exactly how to attend this online hearing. I was told to find the " meeting room '' for Division H. I checked, and double checked the meeting room online weeks prior to the pretrial hearing in order to be prepared the day of the hearing. 

XXXX XXXX, 2021 : I called Marcadis/Singer PA the day before the hearing to make sure the hearing was still being held. Again, I was only able to speak to a representative in their " Collections Dept '' and she told me that the hearing was still scheduled as per the summons. 

XXXX XXXX, 2021 : I logged into the online hearing link 30 minutes before the 2pm hearing time so that I would early. I waited until 3pm and no one showed up. I tried logging in to different divisions to see if I might be in the wrong place, but no one was online at all. I called Marcadis/Singer PA twice during the supposed hearing to ask them where the attorney 's were and they told me " i will have someone call you back. '' No one ever called me back. 

XXXX XXXX, 2021 : I tried reaching an alternative department at Marcadis/Singer PA because I still had not heard back. I left voicemail. I did not receive a call back. 

End of XX/XX/2021 : I received a Default Final Judgement from Marcadis/Singer PA claiming " The Defendant failing to appear for the Pretrial Conference on XXXX, 2021 and the Plaintiff filing the appropriate pleadings in this matter ... '' After reading this, I attempted to contact Marcadis/Singer PA one last time. I left voicemail and again, did not receive a call back. 

Marcadis/Singer PA has set up an unworkable situation in two important ways : - The pretrial conference information was unclear confusing and had no clear directions on how to attend. Once I was in attendance and realized no one was there, their office was not helpful in getting me the information I needed to successfully attend the conference. 

- It is impossible to be in communication with anyone at their law firm, thereby no solution can be met that is fair to both parties. 

It is my belief that they purposefully and willfully set up an unworkable situation so that defendants are forced into a Default Final Judgement.
Complaint sub-issue: Account status incorrect

I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Inquiries : XXXX XXXX Date of Inquiry XX/XX/2020 XXXX Date of Inquiry XX/XX/2020 NAME : XXXX XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX
Complaint sub-issue: Other problem

I returned 2 orders to XXXX in XX/XX/XXXX on orders that I purchased in XXXX of XXXX. Back then, the Fidelity credit card was issued by XXXX XXXX. Since then, Fidelity has switched issuers to Visa. 

XXXX processed the returns to the original credit card of purchase ( Fidelity XXXX, now a Fidelity Visa ) on XX/XX/XXXX. The two separate amounts of {$160.00} were not credited to my account, likely because Fidelity 's systems are not set up properly to acknowledge the return from XXXX. 

Since then, I've called in to Fidelity over 10 times to get the 2 refunds  processed to my credit card account. I've spoken with multiple agents and faxed in the XXXX email confirmations that show the two separate returns. Fidelity has yet to take action and do anything. It has been 4 months.
Complaint sub-issue: Account status incorrect

XXXX   XXXX   account that was opened  XXXX  was charged off in  XXXX . Item was paid in full  XXXX   XXXX . Equifax and   XXXX   are both still reporting this account as late for a payment status instead of paid. Also, Equifax is incorrectly reporting as " failed to pay '' for  XXXX ,  XXXX  when there is nothing left to pay. This account was paid off 3 months ago for the full balance due.
Complaint sub-issue: Information belongs to someone else

Please immediately REMOVE the following INQUIRIES from my Equifax credit report as requested by XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX. Letters attached. Thank you. 

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

I am aware of the heightened amount of Stall Tactics due to COVID-19, but I have verified that I am not a credit repair company, and I am sending this letter to dispute the following accounts listed in this report. Please remove them immediately.
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

On XX/XX/2021 My Cash App card was charged by XXXX XXXXXXXX both for {$310.00} and {$350.00} for airline travel without my knowledge or consent. I've tried multiple times since to dispute the charges formally with VisaXXXX XXXX XXXX  XXXXCash App/Square Inc all of each who say I can only dispute with Cash App. Cash App never answers the phone, it refers you to chat. Chat refers you to email, email refers you to chat or to dispute it on the app. There's is no such dispute function on the app. No human ever is inlvolved and now over 3 weeks no formal dispute is filed for transactions I didn't authorize. Visa nor XXXX  nor XXXXXXXX XXXX care whatsoever of the viloation in cardholder agreement, XXXX also doesn't care it was the merchant who charged my card without consent, it all referes back to Cash App with XXXX XXXX in XXXX  but no customer support to resolve any issue. How is this not a class action lawsuit already?
Complaint sub-issue: Attempted to collect wrong amount

I informed the company that this isnt my debt and this is negatively impacting my credit. They failed to validate the debt and the credit bureau wont let me dispute it anymore. They failed to show me anything stating that I owed them with my signature. I called the company and asked to come to mutual agreement as it is not mines but I need it off immediately so that me and my children can move. The representative stated they will submit to credit bureau for deletion. Today I found out they just updated it which was not -greed. They could listen to their alleged recording line. They stated they only delete if paid in full which was not disclosed to me until after I paid.
Complaint sub-issue: Account information incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have 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 inquiries reporting on my Credit Report : XXXXDate of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX
Complaint sub-issue: Need information about your loan balance or loan terms

I have been attempting to clarify what documentation is available should I choose to make a one-time payment to satisfy the requirements of the XXXX Maryland student loan debt relief tax credit. I have called FedLoan Servicing on multiple occasions but have not been able to reach a representative in a timely manner on any attempt. Additionally, I sent an email on XX/XX/XXXX ( wording attached ) to determine if proof of payment documentation would satisfy the requirement. I have not received any response. 

I am simply trying to confirm whether if I made a one-time payment if I would receive documentation that included all of the following : 1 ) the lending institution 's name pre-printed on the document, 2 ) the full name of the borrower pre-printed on the document, 3 ) the dates of the payments must be dated any time after XX/XX/XXXX to the present, and 4 ) the dollar amounts of the payments ( principal and/or interest ).

I am extremely concerned about my inability to reach anyone at FedLoan given they will be closing for good soon. There are still a lot of questions I feel need to be answered and would appreciate a response so that I have the information required to feel comfortable making a payment right now and that I am confident I will receive documentation that will allow me to clear my tax-related liability.
Complaint sub-issue: Account status incorrect

I have asked XXXX, XXXX, and Equifax for proof that this debt belongs to me. I received an XXXX credit report that lists XXXX XXXX XXXX GA XXXX with a zip code of XXXX. I have contacted the XXXX XXXX XXXX and asked them to provide me with verification of this debt belonging to me, they were unable to provide me with any information. I then visited the website and attempted to pull up the case # on my credit report and could not locate anything. I have uploaded the address to the XXXX XXXX XXXX, which has a different zip code than what is listed on my credit report. Please HELP ME!!! My son has XXXX and I am trying to get him into a facility that he can reside in, and this XXXX is hindering me from getting approved. PLEASE ask for verification of this debt belonging to me or remove it from my credit reports.
Complaint sub-issue: Reporting company used your report improperly

Equifax , Inc. allowed, without my consent, the personal financial information of both me and my spouse to be compromised by hackers. Now they want to offer me the opportunity to monitor my credit if I waive my legal rights to hold them accountable. In addition, I read in the NY Times that corporate executives went on a stock selling spree prior to acknowledging their incompetence and I hope these individuals are prosecuted for this clear illegal activity to the fullest extent of the law. I have been the victim of both credit application and tax fraud in the past and I am sick of wasting my personal time having to deal with the repercussions.
Complaint sub-issue: Account terms

Hello, we have contacted XXXX XXXX as well as the credit reporting agencies to removed the XXXX 30 days from our accounts, from my credit report as well as my husbands XXXX XXXX 's. It is a joint account. 
Our Issue is, We called in for a payment option. Ready and willing to make the payment on time that day. After speaking with one of the customer service members I called in. I was given the option to pay {$1900.00} on XXXX XXXX, 2016 and {$2900.00} for XX/XX/XXXX and XX/XX/XXXX. I was told that I would receive paperwork in the mail but that all I needed to be aware of was making the first payment on XXXX XXXX, 2016 so that the payment plan would not default. The payments have been made as directed and are not considered late. Though they are reflecting on our report as late. The agent did not advise us that by choosing this plan it would effect our credit score and or show up as late on our credit report or we would not have chosen this option. I feel it should be told to you by XXXX XXXX customer service who suggest this plan that if you do choose it t could negatively impact your credit report for 7 years. This would have drastically changed are decision towards this payment plan. When we called to explain to XXXX they said the representative would be reprimanded but they could not fix the error. We advised we were in the middle of a home sale and or refinance and something of this nature could drastically effect that. We have paid on time for 3 years to XXXX XXXX, never missing one payment. By choosing the option they suggested as a payment break up it now shows we are 30 days late not on time and completely effects our future situation on home buying as well as character. I feel it is fully unethical on chases part to not advise you of this when they are suggesting " Options. '' I am in the middle of a re-finance and can not move forward because of this negative impact on my credit score that was never disclosed to me when I accepted what the agent advised me on XX/XX/XXXX. Can you please remove this from our credit score? I Greatly Appreciate you taking the time to do this. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Didn't receive terms that were advertised

Opened checking account in late XXXX, 2018. Earn {$400.00} when you open a new checking and savings account in the Citi Account Package and complete the following requirements : Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account.

Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days.

I completed the requirements. Citi has not paid the bonus. Contact them numerous times.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX, I submitted a formal complaint. I received a response from the company on XX/XX/XXXX that does not address the XX/XX/XXXX complaint. It almost appears that a computer generated the response as opposed to a human being looking at the issue. 

This is an account I have attempted to bring notice to the fact is not being reported accurately on my credit report, yet you have not disputed these correctly. The response to the dispute I get state this account belongs to me, yet I have not disputed ownership whatsoever. According to 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 also states a consumer reporting agency can not furnish an account without my written instructions. How can this account be verified as being 100 % accurate without the necessary authorization shown provided by me? 
Again, I AM REQUESTING TO RECEIVE THE DESCRIPTION OF THESE FINDINGS ACCORDING TO 15 USC 1681 ( 7 ). By law, Description of reinvestigation procedure. -- A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. If my written consent for the reporting of the following accounts was not provided and can not be provided, the following accounts must be deleted immediately.