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

On XX/XX/2020, I sent a certified letter to Equifax asking them to close the open dispute as well as delete all notes regarding the open dispute with XXXX XXXX XXXX since I was able to get a settlement agreement with them. I sent another letter to them overnight via USPS on XX/XX/2020 and again on XX/XX/2020 via fax communication from XXXX XXXX. I have receipts and signed certified card with date stamp. I called this morning once again and asked for a manager then was immediately transfered to an automated line. I called a few more times and reach an individual from what sounds like XXXX. He said they do not have my mail that they signed for on XX/XX/2020. Nor did he have the mail I sent over night via usps. I desperately need this dispute closed. I can not close on my first home until this is taken care of. I've even sent them proof of the settlement with the creditor. I need urgent help please!!
Complaint sub-issue: Reporting company used your report improperly

I first contacted city bank to ask about one of there credit cards base on my credit they instructed me to go on line in fill out an application they also told me they would not attempt to make a inquiry from the three credit bureaus about credit worthiness intel I was sure I what the card. After that I got an alert from XXXX indicating me that my credit sore drop XXXX point I WAS COMPLETY OUT DONE. I've had many inquiry before car loan, personal loans, ect. Yet never has my credit score drop XXXX XXXX, in addition I never gave City Bank consent to pull my credit. I fill strongly deceive by both City bank, as well as XXXX. I tried reaching to XXXX to there supervisor XXXX XXXX via email but he has never replied. I talk with City bank they told me that they would have XXXX remove the inquiry immediately. Yet they have not I'm asking CFPB to have XXXX to remove this enquiry off of my credit report Now. I can be reach at XXXX XXXX XXXX or via email, XXXX Thanking you in advance XXXX XXXX.
Complaint sub-issue: Debt is not yours

I had a company Tek report on all three of my credit reports a collection debt that is not mine for the company XXXX XXXX in XXXX Texas. I contacted both companies to get the original contract that was supposedly signed by me and has my social security on it and I have yet to receive anything from them. I did some research and have proof that this account belongs to someone else similar name different social. But they are trying to attach it to me. This account was also proven to be fraud with XXXX XXXX who has the original information who we had to deal with this situation before.
Complaint sub-issue: Information belongs to someone else

I just found out that my identity had been stolen, in effort to clear my name I want to report that accounts had been opened in my name without my knowledge. I am requesting for these accounts to be removed from my credit report intermediately.
Complaint sub-issue: Received bad information about your loan

I have a spousal consolidation direct student loan and am divorced from the co-maker. I am listed as qualified for the PSLF with 20+ more qualified payments than required FedLoan services the loan and has been been contacted and been unresponsive for months. My portion of the loans have not been forgiven despite my legal right to have this done under current non-waiver rules for spousal consolidation direct student loans, per the FAQ on the Dept of Ed student aid website. I can not get my case reviewed or updated by FedLoan. It is outrageous that I can not get my loans forgiven almost 2 years after qualifying. It is also outrageous that when they are forgiven, I will still have to continue paying my ex-husbands student loan debt off AND have his loans continue to be posted to my credit history. This is unfair and unreasonable. I am not the only person in this situation, and many are in an even worse situation with abusive or uncooperative spouses or ex-spouses who are loan co-makers. Please help us.
Complaint sub-issue: Reporting company used your report improperly

I recently looked at my credit report with ( XXXX, XXXX, & XXXX ) and I noticed some late payments posted on my credit report. 

Unfortunately, your agency is in a clear violation of the law. 

Under 15 USC 1681b- permissible purpose of consumer reports, The Law Clearly States ( 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 instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Complaint sub-issue: Information belongs to someone else

Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX   {$860.00} Account number XXXX Collection opened Loan Amount {$860.00} {$900.00} Payment Info Original loan amount {$900.00} Balance {$860.00} XXXX XXXX XXXX  XXXX Original creditor : XXXX {$0.00} 100 % paid off Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Balance Loan Amount {$620.00} Payment Info Original loan amount {$620.00} Balance {$0.00} XXXX XXXX XXXX XXXX XXXX {$240.00} Account Info Hover over labels for more details Account numberXXXX Account status Closed Date opened XX/XX/XXXX {$240.00} Past due amount {$240.00} XXXX XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX  XXXX {$740.00} Paid, closed Account number452912XXXXXXXXXX Account statusClosed Date opened XX/XX/XXXX {$740.00} {$500.00} Past due amount {$740.00} XXXX XXXX  XXXX $ XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$5300.00} Account Info Account numberXXXX  Date opened XX/XX/XXXX Balance Loan Amount {$5300.00} LABELS FOR MORE DETAILS ACCOUNT NUMBER XXXX XXXX XXXX XXXX {$0.00} Paid, closed Account Info Account numberXXXX Account status Closed Date opened XX/XX/XXXX {$0.00} {$300.00} XXXX XXXX XXXX {$0.00} Paid, XXXX  XXXX XXXX XXXX XXXX Status Account charged off. {$2600.00} written off. {$2600.00} past due as of XX/XX/XXXX. 
Account Type Unsecured Balance {$2600.00} Date Opened XX/XX/XXXX XXXX XXXX {$210.00} Original creditor : XXXX Balance {$210.00} {$210.00} Opened XX/XX/XXXX Opened XX/XX/XXXX XXXX
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

Today I saw. Address to take off are XXXX XXXX XXXX XXXX XXXX, XXXX, IN, XXXX, Also XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, In, XXXX. Address giving I never lived. Accounts, Inquiry, that is not mine. Its XXXX XXXX inquiry,  XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX {$390.00}, XXXX XXXX {$500.00}. This accounts loan, hospital ER was not opened by me. This is identity theft. I never went to ER in XXXX. I lived in XXXX, Fl. The ER account is under collection said it opened in XX/XX/2020. No one contacted me from XXXX XXXX. To open this loan. I have a fraud alert on my credit reports. With my contact information along with my phone number. There is also no inquiry from this company. Not sure how they got my information. This seems to be a scam. I never signed up or opened this. I did call to ask for my application. I asked for my driver license along with my signature. These companies refused to call me back or give 100 percent submission to my request. Please take off or block this information on my credit reports. The XXXX XXXX  took out from our XXXX XXXX account wich is now closed. My husband was the head of the account so he was the one that had to fill out the form for fraud identity thrift. sense the account is closed. I cant give you paper work only the refunded amounts our bank gave us. But I am submitting our car ins card to prove we XXXX XXXX XXXX XXXX and I have the same accounts. We are married.Thank you.
Complaint sub-issue: Problem with rewards from credit card

To whom this may concern, There are 2 related but separate complaints regarding the XXXX XXXX Credit card product. 
First Complaint : I 'm a long time Citi credit card holder. In XX/XX/XXXX 2015, I upgraded from their Citi XXXX Signature card to their {$95.00} annual fee Citi XXXX Reserve card. One of main reasons for upgrade is that Citi XXXX Reserve card advertises 2 weekend night certificates good at select hotel and resorts within the XXXX portfolio after you make {$2500.00} in purchases within 4 months of account opening, on top of the annual benefit of earning 1 weekend stay after spending {$10000.00} in a calendar year. Since I already own the signature card, I was advised to call their customer service line to upgrade directly and apply through them to avoid getting assigned a new credit card number.
<P/>
I easily met my minimum {$2500.00} spent within the first 4 months but never received my 2 weekend night certificates. I called Citi numerous time ( at least 5 times in my recollection ), each time on the phone they claimed to understand my situation, proclaimed that I did indeed earned the promotional requirement. They even noted it on my account log. However, I subsequently receive a paper statement saying that Im not eligible for the weekend vouchers, which made no sense. I called XXXX XXXX as well regarding the situation but they said that Citi is solely responsible of letting XXXX know that I qualified for the rewards and promotions. I also learned that Citi had recently discontinue their credit card relationship with XXXX, and will subsequently phase out and/or discontinue all of the XXXX branded credit cards. It looks like I will not be receiving any of my benefits that Ive earned, which is deceitful and dishonest. Second Complaint : Ive also met the yearly benefit of 1 weekend night certificate. Through numerous conversations with Citi Card it was confirmed that I did meet the criteria to earn the reward. However, there are no steps or directions as to how to claim the 1 weekend night certificate. I was told that an email was sent out regarding the reward but I never received. I was constantly provided runaround between Citi Card and XXXX and my question was never resolved. In short, Im not able to claim the rewards that Ive earned. <P/>In summary, would someone please look into my account and shows that I did indeed earned the 2 weekend night certificate ( per {$2500.00} spent in first four month ) and 1 weekend night certificate ( per {$10000.00} spent in a year )? I had to spend {$95.00} on a credit card that I receive ZERO benefit!!!
<P/>
I 've been a loyal Citi credit card member for a long time, owns 3 different credit cards. Looks like Citi is not keeping customer loyalty and satisfaction their # 1 priority. <P/>Thank you.
Complaint sub-issue: Debt is not yours

Jefferson Capital System has not provided me with a contract that shows I entered an agreement to pay the debt they say I owe them. When I called and spoke to someone they claimed that they could not even pull up the account number they it shows is listed on my account per the credit report. I owe them nothing.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting act XXXX Accounts with XXXX, Equifax, and XXXX have violated my rights. 

15 UCS 1681 Section 602 States I have the right to privacy. 

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as a late for purpose.
Complaint sub-issue: Funds not received from closed account

On XX/XX/XXXX US Bank put my checking account on hold because a deposit came back rejected. They never notified me of this. I found out when I went into the branch on XX/XX/XXXX to inquiry why I was not seeing any account activity. On XX/XX/XXXX they informed me the bank did not want to assume risk for my account and they would be closing it. While on hold they were not allowing deposits or withdraws. They said I couldn't withdraw the funds in my account. I have had multiple auto payments returned to creditors before I could stop them since the bank never informed me of the hold on the account. 

The branch said they could not tell me when the account would be closed even though they said to close it. They could also not allow me to withdraw the funds I have in the account. They said when the account was closed I would be sent a cashiers check overnight. They said I could try the 24-hour customer service line and they could probably give me dates. 

I called there on XX/XX/XXXX and was told the department that could help was closed. I called back today XX/XX/XXXX and the person in that department said they could not tell me the date or when they would be sending out my check with my funds. That the process could take up to 90 days to be completed. I asked to be escalated to a manager or someone who could provide more details and they told me it was an internal team that handles that and they don't take customer calls. They then put me on hold to speak to their manager which I gave up on and hung up after 20 minutes of being on hold. 

This is all of my money and I have bills to pay. How can they stop me from accessing my money and not provide me with a reasonable date that I will get my money. This seems like something they should have to resolve at the very least within 5 business days.
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 .My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax XXXX Despite sending them the letter last XX/XX/XXXX for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, XXXX USC Sections XXXXi within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. I highly appreciate it if you REMOVE this erroneous accounts that still reporting on my account. 
XXXX XXXX XXXX ***** Opened XXXX XXXX, XXXX Balance {$11000.00} Charged off XXXX XXXXOpened XXXX. XXXX, XXXX Balance {$0.00} Late Closed
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX XXXX is misreporting my auto loan status as a Charge-off from XXXX to the three credit bureaus in error. 

When my vehicle was totaled in XXXX the XXXX GAP insurance on the auto loan should have paid the remaining balance, as promised. XXXX XXXX XXXX XXXX sent me a confirmation in XXXX that my GAP insurance ( see attachment ) coverage would pay the remaining balance and that I just needed to complete their 3 steps to activate my GAP which I completed right away. 

Three years later in XXXX of XXXX when I was refinancing my mortgage, and my lender pulled my credit reports I discovered my old auto loan was reporting as an unpaid charge-off account. I only then realized that my GAP insurance didn't pay out. 

To quickly rectify the situation and get my refinance done, I paid the account off immediately then I contacted my GAP insurance and they issued me a check to re-imburse me a few months later ( see attached ). What they failed to do though, is correct my credit report to remove the negative marks which were dropping my credit scores 60-80 points. The account should have been updated to report correctly on my credit reports as a CLOSED account that was never past due and definitely not charged off since my GAP insurance was through my auto lender it was their error that GAP didn't pay out timely, not mine. 

I am currently in the process of refinancing my house again, and when my credit was pulled, I noticed the account is now being reported as a PAID charge-off with a date of last activity in XX/XX/XXXX. Again, the account should have never reported as delinquent as it was a clerical error with GAP insurance that was out of my control. Yes, the financial part of the issue was fixed however the credit issue has not been.
Complaint sub-issue: Trouble with how payments are being handled

Approximately XX/XX/XXXX/XX/XX/2018 I requested from the federal student loan servicing to change my payments so that it reflects correctly on my credit report. Currently on my credit report it has me as having to make a payment of $ XXXX/month once I'm out of forbearance. Because I only make $ XXXX/year this has resulted in me getting denied a consolidation loan for my credit cards due to a high debt to income. I contacted federal student loan about this. They said I would have to enter the repayment status, then pay {$5.00}, then they would put me back in forbearance and then report to the credit bureaus that my payments would be $ XXXX/month. I did everything as said and it still says {$3000.00} on my credit report. They said it would reflect the {$400.00} by XX/XX/XXXX. Last week I had to call again because then I received an email saying I had to pay {$400.00} by XX/XX/XXXX. They fixed this one I called and told me that they would submit the request for the {$400.00} to be reflected on my credit report but now I have to wait until XX/XX/XXXX for it to show. But in the meantime I'd get a letter stating this {$400.00} that I can give to the bank to appeal the denial of the consolidation loan. I got the letter and where it has payment it says TBD. This is not going to help me at all!!! I've done everything I was supposed to do and still nothing. I don't have time to wait another month for this.
Complaint sub-issue: Information belongs to someone else

Accounts started showing up on my credit report. Ive contacted the company about the issue but no resolution. I never authorized these accounts.
Complaint sub-issue: Talked to a third-party about your debt

On  X/XX/2017    my roommate reported that I needed to ca ll Citi Cards to pay  my debt. They discussed the details of debt including amounts. I have not given permission to speak to anyone other then myself regarding my debt. They have violated my privacy and put mt in an uncomfortable position.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account.
Complaint sub-issue: Information belongs to someone else

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out. Per FCRA segment 605 CREDIT Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX.It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Please delete these items : XXXX XXXX XXXX  XXXX, CT XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$8900.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$3200.00} XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX Inquiry XXXX XX/XX/XXXX
Complaint sub-issue: Public record information inaccurate

Auto insurers have been using LexisNexis to review public information regarding my accident history. This information, via the CLUE report, is used to determine the risk to insure and subsequently calculate a monthly premium. LexisNexis incorrectly shows that I have two " at-fault ' accidents on my record when I only have one. This has been verified with XXXX auto and I was told by both companies I have to take it up with the other, ie. LexisNexis instructing I contact XXXX and vice-versa. When I called LexisNexis in XXXX I was told they can do nothing about my record. As a credit history and risk reporting agency, LexisNexis has failed to investigate this inaccurate information and I have been paying additional premiums that I shouldn't have been paying. XXXX deemed this accident " no-fault '' but somehow this XXXX accident is listed as " at-fault '' with LexisNexis. This has been an ongoing issue that I realize I have to take additional action on in order for this to be resolved.
Complaint sub-issue: Debt was paid

I have Illinois Medicaid which paid debt in full.