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

I have asked the company to substantiate their claims regarding accounts information reporting in my credit report Since errors may be within the account record have asked that they forward such substantiation within 30 days. Additionally, include documentation which shows that the disputed accounts are not subsequently disputed as a result of returned or recalled consumer products during the period it may have been payable. I am not requesting an account review. In lieu of that, this is a requisition for a formal documentary review. If these requests can not be met within the established time period, account compilations sent from the furnisher it must be regarded as fallacious and may evidence their desire to abridge my federal rights. Given that outcome, kindly redact such credit bureau data soon. Thank you for assisting me
Complaint sub-issue: Impersonated an attorney or official

I received a call at work and my coworker answer she said there was a XXXX XXXX on the phone and that it was regarding an urgent family matter as soon as I got on the phone, this man said he was a case processor and said that there was XXXX complaints against me by the state of California and that if I would like to speak with an attorney to do so and he said it was regarding a payday loan that was unpaid and that they were going to sue me? He had also left a voicemail on my phone saying good luck to you in th next couple days. I found this very harassing
Complaint sub-issue: Debt was paid

Plaza Services apparently purchased this debt from a payday lender. They have never attempted to contact me to collect this debt, so I never had an opportunity to dispute it before it showed up on my credit report. I do not have any outstanding balances with any payday loan companies. I have also submitted a letter to Plaza Services requesting validation under the Fair Debt Collection Practices Act.
Complaint sub-issue: Deposits and withdrawals

I get a portion of my paycheck direct deposited into 2 accts, my main account at my credit union and a small portion deposited into my account with Cash App. I had set this up 2 months ago and had 3 previous deposits go as planned. On XX/XX/19 I got paid as usual but my XXXX deposit never posted in my Cash App acct. I have been trying for almost 2 weeks now to get this resolved but keep getting the run around. I have confirmed with my employer that the funds have been transferred. See attachment. I tried to have it reversed but was told that XXXX rules won't allow it at this point. The company doesn't have a phone number or a general customer service email address. You can only reply to their emails. If you try and email back outside the email chain, it won't go through. I am very frustrated and don't know what else to do. It's only XXXX but it's the principle. Of this was a large amount and I couldn't access to pay my mortgage, it would be a problem. They don't understand Error Resolution regulations either. They don't understand that if the process takes longer than 10 business days, they need to credit my acct while they continue. Please help.
Complaint sub-issue: Information belongs to someone else

I have recently checked my credit report and saw many accounts that seem to be medical bills showing. I believe someone has been using my name or personal info to get certain things. This is fraud and I want to get to bottom of this because it is hurting my financial situation tremendously.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.
Complaint sub-issue: Reporting company used your report improperly

The Credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal they also violated my rights under -15 USC 1681 section 602 A. states I have the rights to privacy.

-15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Also the credit bureaus took more than 30 days to complete my investigation certified mail tracking # XXXX
Complaint sub-issue: Sued you in a state where you do not live or did not sign for the debt

XXXX XXXX XXXX is suing me in a state I no longer live in, represented by XXXX, XXXX, XXXX XXXX, XXXX. I was unable to appear in court in XXXX, IL, as I live several states away in XXXX, PA. I notified the lawyer of the change of address and they continued to pursue legal action, knowing that if I did not appear in court, they would receive a judgement against me. I have not received any mailings since moving and am only aware of updates to the case via the court lookup website.
Complaint sub-issue: Old information reappears or never goes away

XXXX XXXX XXXX and XXXX XXXX XXXX are reporting incorrectly on my credit reports and not removing them accordingly. They are reporting two accounts on my equifax report and even after dispute they are still reporting incorrect information which is resulting in a lower score. I need the account removed off my report.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX/XXXX told the Consumer Financial Protection Bureau the account is to old to validate and will be reported for removal from credit bureau reporting. However, that has not occurred and Equifax is not removing it from my report. I have disputed this twice. I sent them the companies response to the Consumer Financial Protection Bureau and it still hasn't been removed. XXXX did not even send me notification it was being sent to the credit bureau or a right to dispute letter.
Complaint sub-issue: Account information incorrect

Ibe asked several times over a period of a few months to have information properly updated, because the only information reported ; however incorrect is public information and used as such by any private parties.
Complaint sub-issue: Information belongs to someone else

Greetings, I XXXX XXXX am writing to expunge the following information from my file. The items I request to be deleted are listed in this report. I am a victim of identity theft and did not make the following charges or changes. I ask that these items be deleted to correct the flaws reflected in my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
CREDIT REPAIR CONSUMER LAWS : Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Complaint sub-issue: Trouble using the card to spend money in a store or online

On XXXX XXXX, XXXX I purchased 12 US Bank {$500.00} XXXX gift cards from several XXXX stores for a total of 12x {$500.00} ( {$6000.00} ). My intention was to pay for water damage repairs at my daughter 's condo. This was because the repair company allowed payment by debit card for no fee, and I would get the benefit of the credit card points. 

In order to use the cards online, I needed to register my name and address for each one via a dialup process, which I proceeded to do. The first 10 cards had no problem. The last two cards caused the calls to divert to a call center line with long wait times on hold.

I called this line twice in succeeding days. The first time I was on hold for 40 minutes, and the person who finally answered, after I gave him the gift card number, suggested that I just call the # on the back of the card. Since this was the number that I had just called, I said that made no sense. But he was unwilling to help in any way.

I called again two days later with the same long hold time. A woman answered, and after I gave her the card #, was willing to contact a " specialist ''. After a further hold time of several minutes, she said to call back in 2 business days. She was unwilling to take any action on my second card, even after I complained about the long hold times. The total time for this call was 1:19. After waiting several more days, I tried again today and got the same call center hold.

It is not possible to access any info on these cards via the website www.prepaidgiftbalance.com The numbers on the two gift cards are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Both with XX/XX/XXXX expiration dates I will attach PDF files from the XXXX XXXX website showing my purchases at XXXX on XX/XX/XXXX. 10 cards on my XXXX  card and 2 on my XXXX XXXX card.
Complaint sub-issue: Their investigation did not fix an error on your report

For the past year and a half I have personally been trying to clean up and manage my credit. My credit is at its worst right now but as soon as I start having items removed for violations or even debt paid in full a random item happens to appear. 

About XXXX months ago this item has appeared out of know where on my credit. I have no clue who XXXX XXXX XXXX is nor have I ever done business with this copy. 

So I sent a Validation of Debt to the address provided by XXXX, XXXX, and Equifax but only to have the mail returned. How can this company randomly put a item on my credit report and have a incorrect address? How can XXXX, XXXX, and Equifax allow this? I then send a proof the letter was returned to me to all three major credit bureaus. 

The account was never properly investigated if it were investigated at all. The all came back verified. How can you verify this company with they are not reporting a correct address on top of not having a phone number listed? 

I have a new born baby less than XXXX months old. How am I suppose to purchase a new car so I can get him to his new XXXX XXXX XXXX?
Complaint sub-issue: Information belongs to someone else

This is my 2nd endeavor that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items need to be removed as they are fraudulent listed below. 
XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX A XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. This item is reporting late, yet it is closed and with the balance of {$21000.00} as reported in my Equifax Credit Bureau. Lets correct this immediately. The Equifax Credit Bureau is required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Complaint sub-issue: Trouble with how payments are being handled

XXXX XXXX, my student loan company, sent me an email saying they have given me two months forbearance on my loans due to natural disasters in my area ( mud slides and fires in XXXX XXXX ). I never agreed to this. I was not asked if I would want this. This would mean my loans would accrue interest without a payment made to my principal balance. I now have to call to be taken off forbearance causing me an extra step for something I did not ask for. This seems like a plot to make some money on people who are not closely monitoring their accounts. I have attached the email.
Complaint sub-issue: Information belongs to someone else

I checked my credit profile a few months ago and noticed there was multiple Fraudulent accounts on my credit profile. I contacted all of the accounts and i let them know that these accounts are not mine and in fact fraudulent due to identity theft. They asked me to reach out to XXXX, XXXX XXXX Equifax and i did. Neither company has responded nor removed the fraudulent accounts. I filed a report with The FTC.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, and XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C. 1681 602 A. States I have the right to privacy 15 U.S.C. 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Problem with fees

I opened the Discover Credit Card in XX/XX/XXXX and have been using it until now. In XX/XX/XXXX, I realized that the bank has been charging me {$25.00} per month for payment protection fee since its opening. I was not informed about this service at all. I was not aware of this service at all until XX/XX/XXXX. So I called the credit card company and cancelled this service in XX/XX/XXXX. 

On XX/XX/XXXX, I called and requested the credit card company to refund {$1700.00} that I already paid from the opening to XX/XX/XXXX.  However, they said that they could only pay up to 6 months fees ( {$150.00} ). 

It would be greatly appreciated your help on this matter. 

Best Regards, XXXX
Complaint sub-issue: Trouble with how payments are being handled

I'm trying to pay off a loan balance of XXXX ( loan seq XXXX ). I made two payments onXX/XX/XXXX for XXXX and XX/XX/XXXX for XXXX. The payment on XX/XX/XXXX does not appear anywhere on the loan transaction history for that loan. CFPB nor XXXX acknowledged what happened to my XX/XX/XXXX payment on my previous complaint. Additionally, why are the highlighted payments going to Interest only? Payments made should be going to principal and interest. Please see highlighted attached and reverse each payment and apply to both principal and interest. This is highway robbery. XXXX XXXX should be investigated for their payment practices.
Complaint sub-issue: Problem with product or service terms changing

I was told by US BANK that they were not reporting my accounts back to my credit report even though the mortgage has been modified and the auto loans was just listed in the chapter XXXX bk that was dismissed in XXXX 2018 due to payment amount being increased. I was still making the payment for the auto loan with US bank.
Complaint sub-issue: Was not notified of investigation status or results

Experian having not fix the problem I was victim of identity theft if they can't provide identification card social security then someone use. My name not making my credit report no better
Complaint sub-issue: Information belongs to someone else

Equifax continues to report a {$3100.00} credit card collection from XXXX XXXX on my credit report. I am no longer an authorized user on this account, nor am I responsible for its repayment in any way. I have been contacting Equifax about this issue for months, but they refuse to take that account ( that does not belong to me ) off of my credit report.
Complaint sub-issue: Account information incorrect

I paid my full balance for my discover credit card on XX/XX/2019 and it's still not updated and called them multiple times and still nothing and it adversely impacting my credit score. I would like my account updated to a XXXX balance ASAP and any late payments removed because this account was paid on time.
Complaint sub-issue: Their investigation did not fix an error on your report

chapter XXXX bankruptcy was in my XXXX  and equifax credit report in which i disputed and the both told me the item was verified thru XXXX, ,I contacted XXXX and they told me I didnt have a public record for a bankruptcy in there system. Either these 2 credit bureaus lied or they didnt do a through investigation into my disputes either way they are in violation of the FCRA and i demand these bankruptcies be delete from my credit file
Complaint sub-issue: Card was charged for something you did not purchase with the card

I was having trouble accessing my USBank credit card account online. I went to their website and called the number listed for XXXX XXXX. After waiting on hold I was transferred to a gentlemens with a very thick XXXX XXXX accent. I shared with him my problem and he said he would need to verify my identity with my name, adddress, DOB etc. he then put me through a recorded message that he kept interjecting into to confirm the same information. He then stated he could not verify my identity and asked me for another credit card to confirm my identity. I was confused but keep in mind I called US Bank. I gave him another credit card number with another bank ( XXXX ) and I got a text from the other back asking if a {$1.00} charge was legitimate, he directed me to say yes. He then provided me a confirmation number and directed me to call XXXX immediately and provide the confirmation number given. When I hung up something felt off and I didnt call the other number. I subsequently called US Bank later at the number on the back of my credit card and they had no record of that prior conversation and have opened a fraud case on that card. I have locked the credit card account with the other bank but am now concerned about identity theft.
Complaint sub-issue: Frequent or repeated calls

I have filed complaint after complaint against Equifax for not removing a medical collection with XXXX XXXX XXXX which I paid in full. XXXX XXXX XXXX sent out a letter saying account was paid in full and for it to be removed from my credit report even though it has a 0 balance. The other two credit bureaus had it removed in two weeks. But not them.Im fed up with them and am filing a lawsuit again them. They know what the letter said but refuse to remove it. This has been going on since XXXX of 2020. I have called them about 8 times and they start mumbling something that I am not even sure what they are talking about.
Complaint sub-issue: Information belongs to someone else

I pulled my credit to myself for the first time and I have derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.
Complaint sub-issue: Account status incorrect

On XX/XX/2021, Ive tried emailing, calling, chatting, and messaging and still cant get in touch with anyone. Today XX/XX/2021I tried again emailing, calling, chatting, and messaging and still unsuccessful. I really want to speak to someone so, I can get this removed off my credit. Thank you!
Complaint sub-issue: Debt is not yours

Pro Collect was advised to investigate a few things that I believe are inaccurate and their response came back as " verified ''. All they sent was a computer generated response regarding my Re-Investigation. I asked for a a copy of the contract that I signed ( which is my right to do so ), a full account history of this debt, every payment that was made and all interest that was applied. Those were MY specific request. It appears obvious to me that they are abusing their power under the FCRA to escape a complete investigation. I have been requesting, since since XX/XX/2021, verification of this alleged debt that they claim I owe to this company company and which they are reporting on my credit files. However, this company has failed to obtain and send me legal verification as mandated by the law.
Complaint sub-issue: Card was charged for something you did not purchase with the card

Hi, last time I use my credit card was In XXXX. And in XXXX XX/XX/XXXX I was received a text from the credit card company how is a fraud in my account I was go in my account and I was see XXXX transactions what I didnt made, right away I called the bank and I was let them know is a fraud in my account. I open a claim right away and after XXXX month the bank was mail me how Im responsible for that transactions because was used the chip and they cant do nothing about it. After I was go to the police and I make a police report and I also go to the store from where was make the purchase and I asked the store if they can give me the receipt and at the store I give them the credit card and they was looking in they computer and they said they dont have nothing buy with this card in that days they was let me know the last time this card was used was in XXXX XXXX. The credit card company name is Citi Bank Best Buy and the purchase was made at Best Buy XXXX XXXX in XXXX XX/XX/XXXX the amount of XXXX XXXX and the other one was made at XXXX XXXX station in XXXX XXXX XXXX I XX/XX/XXXX I reopened the case again and I provided the the police report number and I asked the if they can provide me the receipt. I XX/XX/XXXX I called again the credit card company to see way they didnt credit my account back until the dispute or case is done and they was let me know that when I open again the case they closed right away they didnt give me a explication and the credit card company didnt notified no mail no email nothing. Thanks I advance
Complaint sub-issue: Threatened or suggested your credit would be damaged

This debt is from XXXX It is out of statute the Rep tried to coerce me to pay it, although it is 6 years ago then they lied to me about who owns this debt They are reporting this debt as of XXXX, but they lied and told me this is being correctly reported. 
I want this debt reported correctly as of XXXX It is seriously harming my credit please see the attached statement