Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Can't stop withdrawals from your account

We are a small Girl Scout Council in XXXX, XXXX Our credit card processing company recently changed from XXXX XXXX FiServ ( XXXX mandate ). That happen about mid XXXX. Ever sense that time frame FiServ has depositing our funds for council service fees into our main checking account then taking it back out the same day or the day after. Leave us with {$0.00} per {$7.00} transaction. Our AP person finally noticed the issue in XXXX. I contacted our FiServ contact manager about the issue both in email for in voice mail weekly and never received a response. I finally manage to catch him on the phone mid XXXX. He did some research and said we had to fill out a different form. That the info we had submitted was incorrect and their credit dept had put a block on our account. We submitted the requested info. 3 more weeks went by and the issue kept happening. I contact our support person at FiServ again and he spoke with his credit dept and they claimed that things were just taking longer than normal. It has now been 5 weeks since we submitted the change form. The issue is still happening. Nothing makes a difference. I have made a complaint to XXXX as well and they too never respond or deal with the issue.
Complaint sub-issue: Information belongs to someone else

I was XXXX from XX/XX/XXXX until XX/XX/XXXX since XX/XX/XXXX ive been in the XXXX way house. 

Sometime during my XXXX  my credit card information was stolen. However both XXXXXXXX XXXX and XXXX XXXX XXXX XXXX XXXX  refuse to acknowledge this and they're trying to force me to make payment on charges that I didn't do. Any charges that happened between XX/XX/XXXX to XX/XX/XXXX I didn't do nor did I give anyone consent. 

XXXX has told me on the phone that I said in a conversation that I stated that someone could use my card and they would make payment. That's absolutely false. I asked to hear this recording but they've refused to let me hear it. 

I pretty much think they're bullying me and being prejudicial toward me because I told them I had been XXXX I've enclosed the documents to show my proof of XXXX. The balance in question is {$9100.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  violated my rights. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I did not give these people permission to ran my credit. Ive asked them to remove them and they are still on my credit. What can I do? 
Hard Inquiries XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies   XXXX XXXX XXXX  Inquiry : XX/XX/XXXX Automobile Dealers, Old ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX  Inquiry : XX/XX/XXXX Mail Order Firms Contact the inquirer : MAIL ONLY XXXX  XXXX XXXX Inquiry : XX/XX/XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks XXXX/XXXX  Inquiry : XX/XX/XXXX Bankcard XXXX/XXXX  Inquiry : XX/XX/XXXX All Banks ( XXXX ) XXXX XXXXXX/XX/XXXX Inquiry : XXXX. XXXX, XXXX National Credit Card Cos. 
XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks Contact the inquirer : MAIL ONLY XXXX XXXX  Inquiry : XX/XX/XXXX National Credit Card Cos. 
Contact the inquirer : MAIL ONLY XXXX   Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX AUTO FINANCE Inquiry : XX/XX/XXXX All Banks ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX  XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX   Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX All Banks ( XXXX ) XXXX XXXX  Inquiry : XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX Inquiry : XX/XX/XXXX Credit Union ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX/XXXX Inquiry : XXXXXX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXXXX/XX/XXXX Finance/Personal ( XXXX ) XXXX XXXX/XXXX XXXX Inquiry : XXXX. XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX   XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX  XXXX XXXX XXXX   Inquiry : XX/XX/XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance/Personal ( XXXX ) XXXX XXXX/XXXX  XXXX  XXXX XXXX Inquiry : XX/XX/XXXX Automotive ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance/Personal ( XXXX ) XXXX XXXX RENT   Inquiry : XX/XX/XXXX Real Estate and Public Accommodations ( XXXX ) XXXX Thank you so much.
Complaint sub-issue: Account information incorrect

We received your complaint. Thank you.     We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work.   YOUR COMPLAINT I have been battling  XXXX ,  XXXX ,  XXXX ,  XXXX   XXXX  and  XXXX  's for almost a year to no avail. They are reporting incorrectly on my credit report and it is affecting me negatively. I am highly upset and stressed because of the inaccuracies. Numerous times, I have provided proof of payments and they still have not fixed. Equifax has verified it and removed both from my credit but  XXXX  and  XXXX  still have not. Can you please assist me with this problem? I am requesting that this be removed immediately. I am providing you a copy of payments for both accounts as well as sending a copy to all the above mentioned. The next action will be to send seek legal action.   I acknowledge being late on payments following a separation which turned into a financial burden. However, I have always sent in payments even if it was small to show that I am truly trying.
Complaint sub-issue: Debt is not yours

Received a letter Dated XX/XX/18 stating owed XXXX to XXXX XXXX via XXXX XXXX XXXX. Received numerous phone calls trying to acknowledge debt. NO CONTRACT ON FILE stating obligation to owe or NO SIGNED CONTRACT and NOT AWARE OF DEBT stated to be collected. I am NOT the owner of this debt.
Complaint sub-issue: Information belongs to someone else

I have no relationship with XXXX XXXX XXXX that is reporting on my credit report. It's been over 2 years and I still have zero information about this company, or any proof of this collection. If no one can provide me with any information, it needs to be removed immediately.
Complaint sub-issue: Reporting company used your report improperly

I n accordance with the Fair Credit Reporting Act XXXX XXXX Account Number : XXXX, -XXXX XXXX XXXXXXXX Account Number : XXXX,. 
XXXX Account Number : XXXX XXXX -XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX, has violated my rights. 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
Complaint sub-issue: Account information incorrect

My husband and I were in a forbearance plan due to COVID. We were then, at the end of the forbearance, scheduled to pay XXXX, XXXX, XXXX and XXXX to be current this year. A total of close to $ XXXX. XXXX XXXX STILL REPORTED US LATE to our credit even though it was a forbearance. That is affecting us selling our home now and we would like it corrected on our credit. They should not have reported this incorrectly.
Complaint sub-issue: Was not notified of investigation status or results

RE : XXXX CARD XXXX Never late on this account. Paid as agreed. On time. 

Over thirty days ago, I wrote to Credit Bureau my disputing letter for account above. As of todays date, Credit Bureau has not responded to my dispute and therefore must remove from my credit file all information disputed in my correspondence. 
Under the Fair Credit Reporting Act, your bureau was to have completed its reinvestigation of disputed information within 30 days. This XXXX mark has come and gone without any response from your office. 
I am requesting your assistance in the verification of the removal of the disputed data from my credit report. Please send to my address provided above an updated credit report at no cost to me as proof that these items have been removed. 

Thank you for your attention to this matter. I await response.
Complaint sub-issue: Problem with personal statement of dispute

my problem most likely effects many people.a few days I attempted to obtain XXXX XXXX credit card issued through XXXX XXXX & was denied. I was shocked as I have excellent credit. I checked with XXXX XXXX & Equifax.I was told that the problem was I had 7 outstanding hard credit inquiries. It appears that every time you apply for a credit card or loan & they run a credit report unbeknownst to me my credit was effected. I now can not get credit. When I asked the companies in question XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, they all told me the same answer - I have to wait two years for it to roll off. I suggest that all consumers be required to sign a form indicating to them that by pulling a credit report they may jeopardize their ability to obtain future credit which it what happened to me. is there a way in which my hard inquiries could be masked so that i can obtain credit. 

thank you XXXX XXXX
Complaint sub-issue: Problem with personal statement of dispute

XXXX XXXX breached duty of care. XX/XX/2019 RE : Investigation - Delete Credit Inquires and Negative and Late Reporting To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor did not have a permissible purpose, and /or was able to verify my complete file information including full name, address, date of birth and SSN #. INCORRECT ACCOUNT INFORMATION ; PER XXXX XXXX MGMT The accounts below are reporting incorrectly. investigate and correct : 1. { XXXX XXXX } { ac # XXXX } { Remove negative and late reporting information from all records from XXXX XXXX HELOC account, according to proof } I am demanding immediate correction, after which I authorize you to mail me my updated credit reports along with the investigation results, and removal of " Foreclosure Listing '' on the internet. Also, XXXX XXXX is reporting an account that I have NO KNOWLEDGE OF, account number XXXX XXXX account reference, XXXX XXXX -Inaccurate Account Number XXXX.
Complaint sub-issue: Investigation took more than 30 days

I sent Equifax a dispute on XXXX XXXX by Certified mail with a return receipt. According to the return receipt the dispute was received by Equifax on XXXX XXXX. The post marked response from Equifax was XXXX XXXX. This response took longer than the 30 days allowed by law.
Complaint sub-issue: Information belongs to someone else

I HAVE NO KNOWLEDGE OF THIS ACCOUNT. I have been in contact with furnisher and no information have been provided, pursuant to XXXX XXXX Fair Credit Reporting Act. I am being harassed, badgered my credit with no explanation on an erroneous, alleged collections information. MONEY LION has never proved this debt belongs to me legally.
Complaint sub-issue: Investigation took more than 30 days

I have filed numerous complaints against Equifax for refusing to remove a fraud alert from my credit reports, I have sent in all documents numerous of times and still they refuse to remove this fraud alert. After receiving a condition for mortgage approval I was notified that the alert showing extended fraud alert was placed on my credit file still by the lender, I called to see why? Equifax repeatedly assured me that it is no such alert on my credit report, days later I received a credit report which shows a credit file for XX/XX/2020. Equifax is still reporting this on my credit report as I have uploaded a copy for proof.
Complaint sub-issue: Information belongs to someone else

I have previously disputed with transunion, experian and equifax on XX/XX/2021 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Complaint sub-issue: Problem with personal statement of dispute

I have disputed items on my report several times, Equifax refuse to delete items that have already been disputed on  XXXX . I asked them repeatly to provide me with proof of their verification which they refuse to send me. I also had   XXXX   public Records listed on my report. law as of   XXXX   XXXX   state if cant verify it has to be removed. well all   XXXX    credit agencies removed one of the public records and made it a collections instead of removing it. attached is proof of it listed under public records. that is fraudulent and against the FRCA. also   XXXX   of the collections account was removed ( Interstate credit collection ) and they put it back with out notifying me within 5 business day that it was reinserted back on my file. per the fair debt it has to be deleted. please delete the accounts that you never verified. if you did please send me your verification method professional   XXXX   XXXX   is undeliverable and how can you delete   XXXX   but verify the oher, please delete
Complaint sub-issue: Trouble with how payments are being handled

I have summarized in the previous two comment sections about my involvement and experience with a school, the school closing, and the application and process that I have been through with the clothes school loan discharge process. I have submitted attachments to justify and prove this long and unnecessary process. I can not define in words to express the hurt and suffering this is called to me XXXX, financially, and XXXX. This was a direct impact to my XXXX, to my support for my family, and the opportunities I lost.
Complaint sub-issue: Account status incorrect

Payment is showing 30 days late, however, the payment for XX/XX/2020 was included within the loan payoff submitted/wired by the XXXX XXXX XXXX on XX/XX/2020. I have included the settlement statement within the attachments. The overall account has been paid off as of XX/XX/2020 and needs to be reflected accordingly. 

Being that the closing took place on the evening of XX/XX/2020 ( Friday ), the title company was not able to wire the funds until the following business day which happened to be a Monday ( XX/XX/2020 ). This was completely out of my control. 

Furthermore, the decision to sale the property was due to financial impacts of COVID-19 which was also the reasoning behind including the XXXX payment within the overall payoff as I was unable to make the payment by the payment due date.
Complaint sub-issue: Received bad information about your loan

On XX/XX/XXXX22, I called Nelnet, my loan servicer, requested {$5800.00} in payments made during the COVID forbearance period ( 29 payments ) be refunded, as I will be applying for student loan forgiveness. Customer Service told me my request was submitted to the Solutions team, and review would be complete in 4-6 weeks. All of my peers who also requested these refunds around this time have had their refunds processed and balances reapplied to their loans. I called Nelnet again on XX/XX/XXXX22 to get an update on my refund status, and Customer Service told me my original request from XX/XX/XXXX was not correctly submitted by the previous Customer Service Representative, because they forgot to provide the Solutions team " all necessary information '' regarding my request. So, during this call on XX/XX/XXXX, I resubmitted my request. I just called Nelnet again this morning ( XX/XX/XXXX2022 ), and XXXX, the Customer Service Representative I spoke to, confirmed my request has been acknowledged by the Solutions team. XXXX stated the processing time for these refund requests is now 16 weeks, which would lead into early XX/XX/XXXX2023. Since the COVID forbearance period ends in at the end of XXXX, I will be forced to make payments while Nelnet continues processing my refund request, and while the DOE reviews my student loan forgiveness request, which I can not submit until after Nelnet refunds my payments, in order to ensure my entire balance is forgiven. In sum, I will be waiting an extra four months for my refund and to just apply for loan forgiveness and will have to make payments during that time, all because Nelnet didn't submit my request properly when first called on XX/XX/XXXX/2022. While most other requests made at that time have completed review, I'm unfortunately stuck waiting.
Complaint sub-issue: Banking errors

I opened a Citibank Savings account online last month. When opening the account, I clearly indicated that " I am NOT subject to any tax withholding '' in the account application. However, Citibank made a very serious mistake by still withholding tax from my first month 's savings account interest. 

I request Citibank to immediately correct the error by refunding the incorrect tax withholding back to my savings account. Meantime, I request Citibank to ensure my savings account is set correctly to " Not subject to tax withholding ''.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 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 with my written instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

Account Name : XXXX Account Number : XXXX Balance : {$0.00} Account Name : XXXX XXXX  Account Number : XXXX Balance : {$2400.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$730.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$450.00} Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Balance : {$350.00} This is a formal complaint against all three credit bureaus, ( XXXX, Equifax, and XXXX ) located in XXXX XXXX XXXX XXXX, TX XXXX ( Equifax ), XXXX XXXX XXXX  XXXX, PA XXXX - XXXX  ( XXXX ), XXXX XXXX XXXX XXXX, GA XXXX ( Equifax ) . This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX, Equifax, and XXXX have completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Complaint sub-issue: Account status incorrect

I have multiple missed student loan payments on my credit report from previous years back that I was not aware of. I never received any information about paying my students loans. The history even shows scattered months on on time payments and then months where the account was past due for 30-90+ days. Im not sure when I started being held accountable for these payments. Once it was brought to my attention for the first time I immediately contacted the company for deferment due to me not being able to afford these payments at the time.
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 DEPTEDXXXXT XXXX Balance : {$0.00} DEPTEDXXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2000.00} US DEPT ED XXXX Balance : {$12000.00} US DEPT ED XXXX Balance XXXX {$7500.00} XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$140.00}
Complaint sub-issue: Was not notified of investigation status or results

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPTEDXXXX, XXXX, XXXX, XXXX XXXX, XXXX, US DEPT ED, XXXX XXXX Company Inquiries : XXXX XXXX XXXX/XXXX