Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Was not notified of investigation status or results

on XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), of the FCRA, it states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Complaint sub-issue: Account information incorrect

As a married couple we own real estate of over XXXX Million in value, many of them are free and clear, but our credit report shows a credit limit of only {$420000.00}. Our current primary residence is valued by XXXX at {$460000.00} to {$490000.00}. We own a rented commercial Condo that is appraised at {$200000.00} and a single family home on 26 acres that is valued at {$270000.00}. These are the 3 properties that are financed. We also have approximately {$43000.00} in Credit Card balance. Due to the incorrect credit limit our debt to asset ration is about 70 %. that makes it very difficult to refinance. What do we have to do to correct the credit limit on our reports? Thanks for your service XXXX XXXX
Complaint sub-issue: Personal information incorrect

I check my credit annually to verify all data is accurate. I take pride in my good credit and maintain approximately XXXX fico. In XX/XX/XXXX I sent copies of my drivers license, social security card, deed of trust ( mortgage ) and utility bill to receive a copy of my report from Equifax, XXXX and XXXX. I noticed there was a " variance '' in my social security number. My accurate social security number ends in XXXX and all 3 agencies report a variance of social ending in XXXX. 

and According to the Fair Credit Reporting Act I have a right to have my personal information accurately reported. If inaccurate it is the legal obligation of the credit reporting agency to validate or remove inaccurate data. XXXX and XXXX were very professional and were able to delete the variance in social security number. 

Equifax refused to investigate or delete the inaccurate data. It is for this reason I have filed a complaint with the GA Attorney General and written to XXXX XXXX XXXX, XXXX, Equifax, about the issue of inaccurate personal data maintained by Equifax. 

I am formally requesting the Equifax immediately delete the variance in my social security number and send me a new credit report reflecting the deletion.
Complaint sub-issue: Was not notified of investigation status or results

In reviewing my credit report, I suddenly I notice that there was an error. The report is not 100 % accurate and would like your agency to take an action. I listed below the item with discrepancy : XXXX  XXXX Bankruptcy / XXXX / {XXXX}
Complaint sub-issue: Banking errors

Dear Sirs, My name is XXXX XXXX XXXX, I have a Citibank XXXX XXXX XXXX credit card and in XX/XX/XXXX I received an offer that if I opened a checking account at XXXX I would receive XXXX bonus miles from XXXX XXXX XXXX program. 
So I did- account number XXXX routing number XXXX Citi Priority XXXX XXXX XXXX XXXX XXXX 

In order to have the miles credited in 4 months, there would be some rules ; Keep a certain amount of money for 3 months in the account, spend {$800.00} dollars in the first month using the debit card, register payments to the account, etc. 

I did all the steps and to really understand the rules I also called 3 different times Citibank and spoke to different agents about the promotion, asked questions, if I was doing everything right and all agents that I spoke to confirmed that everything was correct. If the calls are recorded, there is proof of the questions and answers. In XX/XX/XXXX the miles should have been credited in my account. 

Yesterday, XX/XX/XXXX, I called again because the miles werent credited and for the first time the person who assisted me let me know that the step that I had to pay bills through Citibank should be done through a Citibank channel, not only add payments thought XXXX, click pay, my insurance company etc so the miles wouldnt be credited at all because I missed this step!!!! 

I was very upset with this information, of course. I was misinformed in all my calls to Citibank, I just open the account because of the promotion, I went to a Citibank agency to speak in person to a banker, he said that because I opened the account online he couldnt help me, I had to talk over the phone. 

I had to pay a {$30.00} dollars fee per month in order to maintain the account, so this promotion only took my money, my time over the phone, mislead me with wrong informations and in the end no miles, just disappointment. 

If you would check the calls and the steps in my account towards the promotion you will see what I am talking about. 
I hope someone cares, I hope Citibank honors the promotion on my behalf and share the responsibility for the step I did wrong because everybody I talked over the phone made me believe that everything was correct. 

Please, I would like your help to know how do I proceeded in order to open a Claim about this matter. 

Thank you, XXXX XXXX. 
Phone : XXXX XXXX Email : XXXX XXXX
Complaint sub-issue: Problem with statement of dispute

I 'm really running out of patience and I just do n't know what to do at this point! I have used a credit repair company and now am disputing myself with the XXXX bureaus. I have accounts on my file that continuously come back as " verified '' and yet I have never received any documents, I have never received a description of their procedures in detail which I have requested and I have never received any documentation proving ownership of any of the accounts. How can they say that these accounts are verified when they do n't have any documentation? How can they just take the creditors at their word? Do n't they have a responsibility to actually do a real investigation? I understand that they only have a few minutes to do an investigation, but that 's not my problem. That 's a problem on their end and i should n't be a victim of their money-making scheme. I already made a complaint with the TX Attorney General so each of the XXXX bureaus will be receiving either a call or letter and will have to explain themselves. Who did they speak with at the creditors? What date? what was their name? What documentation was used?
Complaint sub-issue: Other problem getting your report or credit score

This is unbelievable Equifax has destroyed my life and are refusing to fix the problem I can not get my score or credit report my creditors can not run my credit I can not buy a house some I 'm stuck renting losing thousands of dollars each month I called 20 times now trying to fix the problem they refuse to fix it they say my file is split but refuse to merge it, they have told me to lie to creditors to try and remove items fraudulently so please help
Complaint sub-issue: Account status

I PREVIOUSLY DISPUTED AN ACCOUNT THAT WAS REPORTING ON MY EQUIFAX CREDIT REPORT. THE NAME OF THE ACCOUNT IS XXXX XXXX XXXX ( XXXX University ) AND THE AMOUNT IS {$1100.00}. XXXX XXXX XXXX SUBMITTED A REQUEST TO HAVE THIS ACCOUNT REMOVED FROM MY CREDIT AND I HAVE NOTICED THE ACCOUNT IS STILL PRESENTLY ON MY CREDIT REPORT. EQUIFAX NEEDS TO DELETE THIS INFORMATION AS THEY HAVE ALREADY RECIEVED THE REQUEST FROM THE REPORTING COMPANY.
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted XXXX 4 different times regarding inaccuracy information on my credit report. There are numerous companies reporting inaccurate information to XXXX. Specifically, the inaccurate date of " last payment made. '' I contacted XXXX on XX/XX/2018, by filing a dispute online ( File # XXXX ) and by phone on XX/XX/2018. I again contacted XXXX by filing another dispute on XX/XX/2018 ( File # XXXX ), and sending a certified letter on the same day. All of the results have been the same. They completely ignored my request and corrected the situation by changing the date updated on my credit report for each of the companies I requested the information be corrected. I believe my request is a simple one. I can not believe the total disregard to my requests. The companies reporting this inaccurate information have the burden of proving what they are reporting which they did not do. All that I'm requesting is correct information on my credit report which I am working on improving.
Complaint sub-issue: Need information about your loan balance or loan terms

Reached my XXXX required payments for Public Service Loan Forgiveness as of XX/XX/21. Qualifying payment count confirmed by company on XX/XX/21. Contacted Fedloan Servicing for info on when to expect my loans to be forgiven processed and removed from my credit on XX/XX/21. Was advised by agent will review account and put packet together to send to the " government ''. I will be entering a 6 month review. I asked where in writing the 6 month rule was and she couldn't provide this information. 6 months is an excessive amount of time to forgive loans already taken 13 years by mismanagement by the companies handling PSLF. I wish for my forgiveness to be approved and expedited within 60 days.
Complaint sub-issue: Debt was paid

I entered into a consumer credit transaction with only the U.S. Department of Education only in 2013. However, Great Lakes Educational Loan Services Inc. acted as the servicer and debt collector for this alleged loan. They have violated countless federal laws by collecting, attempting to collect an alleged debt and illegally sharing transaction details of a federally protected consumer with several other uninvolved parties and without my prior written consent. I have begun my private administrative process and attached below is my first Affidavit of Truth, Cease & Desist letter, Exhibits and Invoice for all there willful and negligent violation of federal law.
Complaint sub-issue: Account information incorrect

This is regarding an old installment loan with  XXXX   XXXX . The account was turned over to a collection agency  XXXX   XXXX  which is reporting negatively on my credit reports.  XXXX  is not bonded  in the State of Texas to pursue collections. I entered the name and address on the Secretary of State website for debt collectors and was unsuccessful at locating a bond for this agency.
Complaint sub-issue: Information belongs to someone else

There are now XXXX accounts from Acima and the address associated to them is XXXX XXXX XXXX XXXX PA XXXX. I have never lived at this address or in Pennsylvania. I have disputed these items so many times and XXXX will not remove them and I have also contacted Acima directly. XXXX tells me I can not dispute the address online since it is associated to Acima but I have disputed Acima 7 times with no resolution. The owners and residents of this address are named XXXX and XXXX XXXX and I am not related to them nor know them. XXXX was sent documents of proof and still will not remove the address or fraudulent accounts.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX 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 a account without my written instructions
Complaint sub-issue: Account information incorrect

I pulled my credit report thru Equifax and I saw that there is a collection from XXXX XXXX XXXXXXXX. I contact them and asked them to verify. XXXXXXXX XXXX XXXX said that the balance is XXXX and it shouldnt be there. Equifax is saying when I disputed that I owe a balance because they verify it. I have no idea who XXXXXXXX XXXX XXXXXXXX is and it shouldnt be on my report. This who thing has been a nightmare and its affecting me personal and financially. Please removXXXX XXXX XXXX XXXX from my credit report.
Complaint sub-issue: Received bad information about your loan

Good Evening, I am currently working towards loan forgiveness via the PSLF program as an XXXX XXXX service member. I recently learned that 99 % of applicants were denied forgiveness for a very similar issue I have experienced. The first two years of my military service there was little information regarding the means to ensure compliance with the complex rules congress established for forgiveness. Further, the loan service company could not answer questions nor provide guidance. Merely through the assistance of an acquaintance, I learned that I must consolidate my loans in order to qualify for PSLF. Nearly two years of payments towards my initial loan payments, paid in the honest and fair spirit of the law, will not count towards loan forgiveness. I believe this is truly an unfortunate and saddening realization that clearly thousands of other public servants are facing. The execution of this program have failed those faithfully serving this great nation.
Complaint sub-issue: Information is missing that should be on the report

I refinanced my car loan with LendingClub. Previously I had a couple personal loans with them as well, they were fine, no problems. This loan 's not being properly reported to credit bureaus. They report it only to XXXX. Not XXXX XXXX, not XXXX have any information about this loan, which is hurting my credit score. I tried to contact Lending Club 's customer service by the phone and via mail. In the past 6 months I've made about 4-5 phone calls. The last one was about a month ago. Every time they say, that they'll look into it. I also mailed a letter about a couple months ago to the address on the back of the statement ( the one they say to use, if credit reporting is incorrect ). A couple weeks ago they sent me an email asking to write a review on their website, which I did. I gave them 2 stars out of 5 and explained the situation. Thought it might attract their attention. All they did is blocked my review and sent me another email, saying that the review did not meet they guidelines.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

At XXXX on XX/XX/XXXX. I called Equifax to dispute 5 Hard Inquiries reporting on my Credit report. And had spoken with someone from the dispute department named XXXX. 
Who said she sent out to the 5 Creditors notices of the reporting of the inquiries. Then once I told her I'm in the process of writing a complaint. She told me that I needed to file a police report. And that I needed to contact these creditors ( the burden of proof is the on reporting agency ).

I've been going back and forth about these 5 Hard Inquiries for months.

The places that are reporting the 5 Hard Inquiries. NEVER RESPOND BACK TO THE CREDIT BUREAUS. AND OR ME.

UNLESS IT'S IN THE FORM OF A LETTER STATING : " WE DO NOT HAVE YOUR INFORMATION ON FILE. PLEASE CONTACT US. '' Of which is obvious. Of course they don't have my information. Because I never applied for their services.

The 5 Hard Inquiries DO NOT HAVE THE FOLLOWING : 1. A SIGNATURE, 2. ANY ACCOUNTS ATTACHED, 3. PROOF OF VERIFICATION THAT I MADE ; AND OR, AUTHORIZED SUCH A HARD INQUIRY, AND 4. RELEVANTS TO ME. 
But yet still are reporting negatively on my credit report. 
XXXX gave me a confirmation number : XXXX. In regards to what she said she's done. 
Then at XXXX, I had spoke XXXX  ( the supervisor of dispute department ) Of which led to nothing happening. 
Be Advised : my Credit Report from Equifax will show past Hard Inquiries being deleted. Without all these extra steps they're putting me through now. 
XXXX also stated that she only had seen 5 Hard Inquiries ; period. In an attempt to cover up that Equifax had already deleted Inquiries in the past.

These 5 Hard Inquiries need to be removed : XXXX XXXX, Made on : XX/XX/XXXX XXXX XXXX, Made on : XX/XX/XXXX XXXX Made on : XX/XX/XXXX XXXX XXXX XXXX, Made on : XX/XX/XXXX XXXX XXXX XXXX, Made on : XX/XX/XXXX Please refer back to the dates and phone call with Equifax. Because it clearly illustrates both representatives from Equifax lying.
Complaint sub-issue: Company closed your account

I applied for this account and was approved in 2016. I requested to have XXXX XXXX as a authorized user on the account and apparently he then added himself without my authorization as a joint applicant. I was under the impression the account was still open but he took it upon himself to close the account due to divorce. we were never a married couple and he had no authority to do this cause I never approved putting him as a joint.
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 and items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agencies are required by law to remove & block any accounts and information which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records ( learned through more research both parties require ). Please remove the following items : XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX 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 XXXXXXXX Balance Owed : {$570.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. If the Credit Bureaus feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the items are 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: Debt was paid

In XX/XX/2017 we changed cell phone providers from XXXX to XXXX. During the 14 day return policy we switched back to XXXX and returned the phones to XXXX. After a month or two received a bill from XXXX regarding the cell phones not being returned to the XXXX XXXX store in XXXX MD. I called the store and asked them about the phones in which they proceeded to say were not returned. I asked to see the camera footage and spoke with the manager of the store who advised me that they could not let me see this video to prove that the phones were returned.I then started calling XXXX XXXX for 6 or 7 months to find out where the phones were after they told me they were investigating they never found the phones and nothing was done to the store to reprimand or make sure that corporate could see the footage. Now XXXX XXXX has sent me to collections with Enhanced Recovery for {$1300.00}. XXXX XXXX  has on record numerous calls made by me to resolve the issue after it happened and has sold the debt to enhanced recovery which is not owed. There is no bill for the acct other then the phones that were returned and were lost or misplaced by XXXX XXXX. I tried both store and corporate to get the issue resolved and still is showing on my credit report for something I did not owe and was returned.
Complaint sub-issue: Reporting company used your report improperly

I have two hard inquires on my XXXX  report from Citi one dated XX/XX/2017 and XX/XX/2017. Either of these hard inquires were not authorized by myself and I was not asked if Citi was permitted to pull my credit report they did it without my authorization. I did try to make contact with Citi however they advised to dispute through external source.
Complaint sub-issue: Account information incorrect

See highlighted information.

Every item that is circled and highlighted is a violation. Every account in violation needs to be removed. There are multiple federal violations and discrepancies in accuracy of reporting that will cause information to be reported after the statute of limitations.

I will be taking legal action for every item that is not removed as it each violation is breaking federal law per the Fair Credit Reporting Act.
Complaint sub-issue: Called after sent written cease of comm

I sent a debt validation letter including to stop calling my cell phone to Oxford Law , LLC. I kept records of the phone log and pictures of my cell phone. Oxford Law , LLC never validated the debt and continued to call my cell phone without my consent. I retained an attorney to sue Oxford Law , LLC for violations of the Telephone Consumer Protection Act in Federal Court. Due to the overwhelming evidence against Oxford, they settled with me. We settled at mediation for less that what was due because Oxford claimed they would file bankruptcy if we received a larger settlement. My attorney filed a Motion to Dismiss the federal case and the federal court did not retain jurisdiction of the case. Oxford Law sent only one payment from a different company, XXXX XXXX, XXXX and then stopped paying on the settlement agreement. 
My attorney filed another complaint in state court and Oxford Law did not respond to the complaint. There was a default judgment against Oxford Law in state court. I hired a judgment specialist to find Oxford 's assets in order to garnish it to pay the judgment but Oxford Law is hiding its assets. It is a total hypocrisy for Oxford Law to harass people for debts they can never validate and then not pay on a settlement agreement for their violations of consumer protection laws. I am working to see if Oxford Law , LLC will pay the judgment against it. It is highly unethical that the attorneys that own Oxford Law , LLC will not pay the settlement agreement and then not pay the state court judgment.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX, XXXX  and Equifax refuses to contact XXXX XXXX to obtain a new report which shows they have deleted the bankruptcy from my consumer report. XXXX XXXX even sent a dispute on my behalf which they all refuse to reply to and delete the erroneous information. Documentation has been included.