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

On XXXX I issued a Letter of DIspute to Equifax, XXXX, and XXXX via the C.F.P.B, outlining issues of incorrect information they were reporting about me. As per the Fair Credit Reporting Act and the F.T.C, Equifax had XXXX days in order to respond to my Letter of Dispute, failing to do so required the to delete ALL erroneous items which I had disputed to them. 
Equifax did not respond to my Letter of Dispute untill XXXX, therefore failing to respond in the time frame allotted to them by Fair Credit Reporting Act and the F.T.C. 
It is without a doubt that Equifax, XXXX, and XXXX are certain of these laws which they must abide by, however this case is a prime example of Equifax 's clear and blatant disregard of the Laws set forth in the Fair Credit Reporting Act and the F.T.C, and proves how they actively work to undermine the Laws and Regulations set forth upon them by their Superior 's. 
I will attempt to yet again contact Equifax, XXXX, and XXXX via the XXXX in hopes of having this matter resolved the way the Law writes that it should, however if i find that this does not solve the issue which i have i spelled out in our prior correspondence, then i will have no choice but to obtain Legal Counsel and seek damages for this continued injustice. It is my hopes that Equifax will not force me to tie up unnecessary time and resources of our Courts in order to have this wrong righted. 

Sincerely, XXXX XXXX XXXX
Complaint sub-issue: Debt is not mine

On XX/XX/XXXX, I discovered a XXXX account ending in XXXX had been re-inserted into my credit file for a XXXX TIME. This debt was XXXX deleted XX/XX/XXXX under the debt collector XXXX XXXX. It was deleted again under XXXX XXXX XXXX. Now this debt has resurfaced again on my credit report under Enhanced Recovery Company. Neither XXXX nor XXXX has notified me within the required five ( 5 ) days of re-inserting this XXXX deleted item. 

According to the Fair Reporting Credit Act, my rights were violated because I did not receive any such notification. Please delete this item immediately.
Complaint sub-issue: Frequent or repeated calls

I HAVE REC EIVED 15 CA LLS SINCE MONDA Y (   XX/XX/17    ) FR OM CONN 'S  THEY ARE CALLING FROM  XXXX  THEY HAVE ALSO CALLED MY EMPLOYER AFTER I ADVISED TO NOT CAL L MY POE B ECAUS E I CAN GET IN TROUBLE, THEY CLAIM THAT MY POE NUMBER WAS REMOVED HOWEVER I JUST RECEIVED A NOTE FROM A CO-WORKER ADVISING THAT CONN 'S CALLED FOR ME, I CALLED CONN 'S AND THEY C ALLED ME  XXXX  A DVISED THAT I AM NOT  XXXX  AND ADVISED THEM THAT ONCE AGAIN I AM ASKING THEM TO  NOT CALL MY EMPLOYER AND TO CALL MY CELL PHONE INSTEAD ALSO ADVISED THE REP THAT THEY HAVE  MADE 15  CALLS TO ME SINCE MOND AY (   XX/XX/17    ) WHICH IS UNACCEPTABLE, AND CONSIDERED HARRASSMENT, THEY HAVE PUSHED ME TO THE POINT THAT I DO NOT EVEN WANT THEM TO CONTACT ME
Complaint sub-issue: Card opened as result of identity theft or fraud

Us bank is not accepting fraud reports. I have to accept activation before speaking with anyone. Us bank opened an account open my name, fraudulently reported, without my consent. I have credit freeze in place, which usbank apparently ignored,
Complaint sub-issue: Account information incorrect

I recently received a copy of my credit report where I disputed a collection account with XXXX XXXX XXXX/ XXXX XXXX the credit bureau stated they had verified the information as accurate however I received a copy of the itemized billing and signed contract today and their are several issues which require the item to be removed from my credit file 1. The name of the collection company on credit file is XXXX XXXX XXXX however the name on the letter of validation has XXXX XXXX XXXX 2. I also received the same paperwork from another collection company name of XXXX XXXX 3. One set of paperwork have the name and signature for service as XXXX XXXX the other has the name as XXXX XXXX but signature page as XXXX XXXX it is clear this paperwork has been tampered with and or altered 4. Why is two different companies attempting to collect on the same bill it clearly the same account number on all paperwork 5.  The signature page doesnt give the collection company any rights to contact or collect from me I do not have a signed contract with them 6.since the original hospital contract states XXXX XXXX and XXXX XXXX ... ..They are in breech of the contract by assigning it to a collection company 6. Also the billing information provided is in violation of the HIPPA policy as the lab work testing and information should remain private Im currently a patient of XXXX XXXX XXXX were I have a established repayment plan on any and all outstanding hospital bills please see attached ledger of my account with them were it clearly shows a XXXX balance on the before mentioned collection item account number
Complaint sub-issue: Didn't receive advertised or promotional terms

Thank you for reviewing this : Prev complaint XXXX made XXXX XXXX and closed. Citibank replied by restating the terms of the Promotional Balance program but not admitting to wrong doing or that I had complied with the rules completely. This newest part of the issue is because they failed to process my payments as requested by me and acknowledged by them. Attachments show : Stmt XXXX XXXX shows : XXXX due for Promo Bal due XXXX XXXX / XXXX due for Promo Bal due XXXX XXXX ( side fact, I paid the XXXX on XXXX XXXX and requested it be applied to the Promo Bal Due XXXX XXXX ). Ltr from them XXXX XXXX confirms I requested payments in excess of min bal should apply to Promo Bal due XXXX XXXX Payment XXXX made XXXX XXXX ( after minimum due paid XXXX XXXX ) so the XXXX shd be applied to Promo Bal due XXXX XXXX. The payment made XXXX XXXX was NOT applied to Promo Bal due XXXX XXXX but applied to the Promo Bal due XXXX XXXX. The result of their constantly misapplying my payments is that they charged me {$160.00} for interest on the Promo Bal due XXXX XXXX for not paying it off in the agreed upon manner.
Complaint sub-issue: Fraudulent loan

Two ( 2 ) FedLoans were opened under XXXX XXXX who used my information as a co-signer. I am an XXXX XXXX XXXX XXXX member and all my education has been through my benefits within the military using Tuition assistance and I have never applied with FedLoans for money or to help pay with my schooling. To my understanding the loans were opened sometime in XX/XX/XXXX, however, FedLoan states that their records reflect that I am listed as the cosigner on Mr. XXXX two ( 2 ) Direct Graduate/Student PLUS ( DLPLGB ) Loans disbursed on XX/XX/XXXX ( Loan Sequence 2 ) and XX/XX/XXXX ( Loan Sequence 4 ). Effective XX/XX/XXXX, the loans transferred to FedLoan Servicing to administer on behalf of the Department. The records indicate that my request for loan discharge due to forgery/Identity Theft was incomplete. 

There is no way my request can be completed as I do not know any of the information that FedLoan is asking for because I did not apply for this loan. How would I know this?

Furthermore, I provided FedLoan original documentation of my report filed with the XXXX Police Department. Therefore, it is impossible for me to provide them another original. If FedLoans did a full investigation they would hav called the XXXX Police Department at ( XXXX ) XXXX and would have concluded that I did, in fact, file a poIice report and I can only provide the copy BECAUSE FEDLOANS HAS THE ORIGINAL, and will provide a copy AGAIN to this report and FedLoan can call the police department to confirm that this has been filed.

Additionally, I have filed a dispute with all 3 major credit bureaus as well as FedLoans ( WITH ALL ORIGINAL COPIES ). I will also seek legal action if I am not removed from these loans.
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/2019, I became aware of a number of fraudulent charges on my PNC card account ( account ending XXXX ) and immediately notified customer service via the 800-number on my statement. After an extensive conversation, in which I identified the several specific fraudulent charges to the assigned agent, I was informed that the account would be closed, a replacement card issued, an investigation promptly conducted, and the fraudulent charges immediately reversed. 

In the subsequent few days, I did indeed receive a new account number and card ( now ending XXXX ), but the prior account 's balance moved in its entirety the new account number. When there was no further action or contact from the company over the next several days, I reached out a second time to PNC customer service on XX/XX/2019, to inquire as the the ongoing status of the investigation and process. I was informed that things were proceeding appropriately, and I should expect the credit to be issued shortly. 

After several more days delay with no observable action on the account, I phoned PNC on XX/XX/2019, and again inquired as to the status of the investigation. On this occasion I was told that while my prior account number was indeed closed, there never was *any* fraud report taken. All my previously identified charges had simply moved over to the new account number. After a number of delays and transfers, I finally was given access to an agent in the fraud department who took my claim again and promised that this time the process would be properly initiated. She could offer no explanation for why this lapse occurred. 

I am fairly incredulous that PNC failed to execute the clear and obvious fraud complaint I made on XX/XX/2019 and believe this is a significant failure in their systems. To be required to identify the lapse myself, and resubmit the same complaint a second time, is totally unacceptable and should be sanctioned by the CFPB.
Complaint sub-issue: Termination fees or other problem when ending the lease early

I had an auto loan ( which I later discovered was actually a lease ) through this company. The vehicle was covered with GAP insurance as required ( which I received through the company they got me approved with ) It was my first car with a payment so I had no idea that they were misleading from the very beginning. During my term, the vehicle was involved in an accident in which it was a total loss. I was told that the car would be paid off ( as it was not my fault -- and my insurance company paid their portion ) and the GAP insurance would cover the rest. As far as I knew the obligation was satisfied in full until I received a copy of my credit report showing this as a charge-off. At this point, this derogatory mark is affecting my credit situation and the issue was supposed to be resolved. I never received any paperwork stating that I had any further obligation so I just do n't understand what is the deal. I attempted to file a complaint with the BBB but they show NO RECORD of this company. I am currently looking at their website! How could this be??? Please help!
Complaint sub-issue: Personal information incorrect

My name is XXXX XXXX, only address is XXXX XXXX XXXX, XXXX LaXXXX please remove any other information
Complaint sub-issue: Information belongs to someone else

My identity was compromised by a number of sources inwhich resulted in fraud on my credit file via the dark web and the Equifax breach inwhich is the root of this problem. Please remove and block the following unknown and unauthorized accounts. 

1 ) XXXX XXXX XXXX {$470.00} 2 ) XXXX XXXX XXXX {$760.00} 3 ) XXXX XXXX {$2100.00} 4 ) XXXX 5 ) XXXX XXXX 6 ) XXXX/ XXXX XXXX 7 ) XXXX XXXX XXXX {$83.00} 8 ) XXXX XXXX {$760.00}
Complaint sub-issue: Debt is not yours

I moved out of XXXX at XXXX XXXX apartments on XX/XX/2022. I turned in my keys on Saturday XX/XX/2022 to employee XXXX. I previously filled out a forwarding address paperwork and turned into rental office. XXXX declined to do a physical walk through at the time of my departure which is a violation of their company rental policy. 
At the end of XX/XX/2022 after not hearing from XXXX I went to rental office to inquire if I had a balance. During this same visit I also verified with the rental office employee that they had the correct forwarding address for me. The employee located the paperwork and confirmed they had the correct forwarding address. She then confirmed there was no balance due. After reviewing my credit months later in XX/XX/2022 I noticed that a debt collection was placed on my account by a debt collection company. I have never done business with this debt collector. They have not had any form of communication with me via email, text, mail, phone or fax. 
After speaking with a Consumers Protection Lawyer Attorney they advised me to prepare a debt validation letter and send it certified mail with return receipt to the company. I have sent XXXX letters to them with no response to validate this debt to date. The lawyer advised me under the laws of FCRA, FDCPA everything on a credit report must be 100 % accurate verifiable and reported in a timely fashion to be placed on my credit report. This debt collection company is in violation of 15-USC1692gb. I need to have this deleted from my credit report immediately.
Complaint sub-issue: Unable to open an account

On XX/XX/2019 I tried to open a Citibank Checking/Savings account online. The system would not accept my address and the wrong address was inserted incorrectly. On XX/XX/2019 I called Citibank so they can update my address over the phone to my correct home address and I spoke with 3 people, including the new account services supervisor, XXXX who said it is company policy that they can not change the address for a new account for 30 days upon opening the account. I informed her that my personal account information is at risk to be sent to the wrong address which could increase the change of fraud. She said there is nothing she or anyone at Citibank could do as it is company policy.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

i am a recent victim of identity theft. my information was exposed in multiple company breach 's. shortly after the breach i started getting all kinds of credit inquires. i would like for XXXX, Equifax and XXXX to remove these fraudulent inquires asap. the inquiries are as follows. XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Equifax Mortgage XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Received bad information about your loan

For over 2.5 years I have been trying to get FedLoan to correct my payments for the PSLF program without any success. They payments have been incorrectly not counted after multiple attempts at resolution. Finally the counts were corrected, the issue is that I could have applied for PSLF in XXXX/XXXX XXXX XXXX, but the payment number was not corrected until late XX/XX/XXXX. I received a payment count update in XX/XX/XXXX which was missing around 17 months of payments. I then received another updated payment count in XX/XX/XXXX, showing the correct number of payments after almost three years of regularly communicating with FedLoan and getting nowhere. 

After all of that, they forgave one of my loan sequences, but then " inadvertently missed '' ( their words ) the other two large loan sequences for no reason. They simply didn't process my other two loans and have done nothing to ameliorate the situation.
Complaint sub-issue: Problem getting my free annual report

My wife and I religiously follow the recommendation to check your free credit report regularly. We both get our reports from each agency on a staggered basis so we get a report for one of us every two months. For the third year in a row now, neither one of us has been able to get our report on line from Equifax. My wife was denied her on line report on XX/XX/2016. Every time we go through the on line request procedure, at the end, we get a message that it can not be completed on line, and that we need to fill out a form and send it, and XXXX supporting ID documents to them by mail. It has become obvious that they do not want to give out the reports on line. We never have a problem with the other XXXX agencies, so I have come to the above conclusion. When you try to phone in to complain, you are put through phone tree XXXX, to no avail. This is an abuse of consumer rights. In addition to the wasted time, more paper is consumed in printing and mailing the report. Additionally, our identity is put at risk by having the report, and our documents sent by regular, unsecured mail. Please take action to put a stop to this abuse. Thank You.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was still found in my reports. The Equifax credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are still reporting on my Credit Reports and need to delete immediately : ACC-Date of inquiry XX/XX/2021 XXXX  XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXX of inquiry XX/XX/2021
Complaint sub-issue: Can't close your account

XX/XX/XXXX RE : XXXX Complaint against Macy 's Hello, I did not appreciate CFPB closing this complaint before I was done. 
I am paying Macy 's although I do not owe the money. They are a huge company and very aggressively attacking me. How can I pay a dept that, first, I do not believe is mine, and second, they will not send me a statement! 

When I called Macy 's I was told I had a balance of {$160.00}. I sent payments equaling {$170.00}. I received a letter from XXXX XXXX, from Macy 's, dated XX/XX/XXXX saying I still owed {$56.00} and about 20 pages from when I had an account back in XXXX. All useless. 

I am paying the {$56.00}. NOT because I owe it, but to get rid of them. 

I want to thank CFPB for getting this to the point of resolution. Macy 's ignored me, refused to email me using my new email address, refused to mail a statement to my physical address, which they have. 

It took CFPB to get to the right address and person. Although the outcome gives Macy 's {$56.00} it is a small amount to pay to have Macy 's leave me be. 

Thank you so very much.
Complaint sub-issue: Debt was paid

On or about XXXX/XXXX/XXXX I was taken to the emergency room by XXXX XXXX XXXX -these charges were covered by my employer heath plan
Complaint sub-issue: Investigation took too long

I filed a dispute with Equifax and XXXX at the same time concerning a judgment that has been cancelled from my record in XX/XX/2015 and XXXX has removed it from my credit report in XX/XX/2015, Equifax had not and answered the dispute that the information was correct. On XXXX XXXX, 2015 I called Equifax concerning this and filed a dispute by phone and as of today the judgment is still on my Equifax credit report and I have n't received a letter or anything concerning this dispute which is been almost XXXX months. I want this corrected.
Complaint sub-issue: Account status incorrect

This is in regards to my XXXX XXXX XXXX finance loan. Currently my credit reports this loan as a charge off. I have contacted all 3 credit bureaus and XXXX XXXX to resolve this issue. The matter has not been satisfactorily resolved. The car loan agreement was for 72 months to finance the amount of {$12000.00} starting on XX/XX/XXXX. The car was involved in a car accident on XX/XX/XXXX and the insurance company, XXXX XXXX, deemed the car as a total loss. I continued to make monthly payments on the loan and I paid the lienholder, XXXX XXXX, in full XX/XX/XXXX, which is well within the terms of the contract. I have attached a couple documents from XXXX XXXX to support my claim.
Complaint sub-issue: Debt was paid

I received a letter of collection from XXXX XXXX regarding a doctor billing from XX/XX/XXXX from XXXX XXXX XXXX in Washington State. This bill was never billed to my insurance and I had a conversation with this collection agency on XX/XX/XXXX regarding this amount and it was never billed to insurance. They indicated they would send it back to XXXX and not to worry about it. I received another notice with the same bill and now they are adding interest. I DO NOT OWE THIS BILL - IT IS XXXX XXXX XXXX ISSUE THAT THEY DID NOT SUBMITT THIS TO INSURANCE
Complaint sub-issue: Investigation took more than 30 days

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.