Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status incorrect

I had a citibank checking account which I closed on XX/XX/2019. It is showing as account purged, I have no idea why it is showing as perged when i closed it voluntarily and I owed nothing to the bank. The bank needs to correct this
Complaint sub-issue: Deposits and withdrawals

On XX/XX/2020 my account was compromised for the 2nd time and I contacted Iberiabank to close my account or stop payment on this fraud, but they continued to let the action take place. This was the 2nd time an online compromise was made to my debit card and account. The bank shut down my debit card and left my account negative. I currently had to take a lower paying job at my place of employment which was over a 10 % decrease in my pay and knowing my payroll check was direct deposited, I had to actually get aggravated and mad before Iberiabank would step in and lend me funds to get me through the work week. I had over {$1000.00} in my account at the time of the fraudulent withdrawals and had numerous automatic pays coming out of my account in which they covered, but I feel I had to get upset before they realized I needed help. The bank credited my account and then the online company credited a portion of the fraudulent charges too so, Iberiabank had to do a reversal and seemed to get upset with me. After Iberiabank seen the account got some credit from the company they proceeded to tell me that they were gon na wait 30 days for the company to credit all the money back and if they didn't then they would proceed to refund my money. I am still owed over {$300.00} if that is even correct, but yet to see the money in my account. I have a loan with Iberiabank and out of no fault of my own they proceeded to deduct late charges from my account because I had no money in my account to pay the loan at the due date from the fraud. I am beyond mad at this bank and have been a customer for about 5 years since I relocated to the area from my current employer. I feel the bank was notified by myself in time to close my account and to make this matter right. If I ever get the remainder of my money back I will be closing my account. Once I told the manager of my experience and that I was closing my account they neglected to even tell me my debit card had came into the branch and just assumed I could drive over 30 minutes to make withdrawals since I was closing my account. I know I don't make the money now as if I did before, but I am still the same customer and should be treated with the same respect. This bank is far behind on the aspect and knowledge of customer service and how to go the mile for its ' members. Worst experience and still suffering from the fraudulent mishap and not 100 % credited the money I was taken by the company. Please help others before this happens to them and share my concerns.
Complaint sub-issue: Information belongs to someone else

Two months ago I checked my credit report as I was preparing to shop for a house and realized there were multiple inaccuracies as well as FRAUD associated with my report. Currently, there are FRAUD accounts on my report and one has been placed in collections. The accounts are as followed : Discover Bank, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  and XXXX XXXX XXXX I never authorized for these accounts to be open nor have I ever opened these accounts myself. All of the accounts stated have been open against my will and need to be deleted immediately as I am a victim of Identity Fraud. I've reached out countless times to XXXX and the banks in question to get this situation resolved and no one seems to be budging. They refuse to delete the accounts in question, they refuse to do there own investigation, and insist I am responsible for the debt when in reality I AM A VICTIM OF IDENITY FRAUD. I've filed an identity theft report and sent it to all banks in question as well as XXXX. They've all been aware of the identity fraud in question. 

The dates and totals of the identity theft are as follows : Discover Bank : Was opened on XX/XX/XXXX with a {$2300.00} credit limit and is currently being shown as a Charge-off. 

XXXX XXXX XXXX : Was opened on XX/XX/XXXX with a {$1100.00} credit limit is a currently closed and 150 days past due. 

XXXX XXXX XXXXXXXX XXXX XXXX Was opened on XX/XX/XXXX with a {$500.00} limit and is currently being shown as a Charge-off with a past due balance of {$720.00}. 

XXXX XXXX : Was currently opened XX/XX/XXXX and is currently being shown as a charge off. The credit limit is not shown on my report. 

As you can see there is clearly a pattern as 3 out of the 4 fraudulent accounts were all opened around the same time in XXXX. ALL OF THESE ACCOUNTS WERE OPENED AGAINST MY WILL AND I AM A VICTIM OF IDENTITY FRAUD. THIS IS NOT MY DEBT!
Complaint sub-issue: Received bad information about your loan

Several loans should have been discharged due to my total and permanent XXXX courtesy of The Department of EdXXXX. However, they are still active and open many reporting incorrect payment account histories that have been disputed.
Complaint sub-issue: Didn't receive enough information to verify debt

I was a loyal customer of XXXX XXXX for many years, i never one time was offered any promotions or upgrades on equipment. I called them to see if there was anyway i could get new equipment since the old equipment that i originally had was old and wasn't working properly. one of there representatives transferred me to their supervisor to assist me. the supervisor then told me that i qualified for an upgrade, and that they would send me new equipment and a tech out to hook it up. After a month of having the new equipment i received a outstanding bill for the upgrades that XXXX XXXX supervisor didn't make me aware of or discussed. i also found out that they started a new contract that i never agreed to. When i called to discussed theses matters they kept giving me the run around about my issues, telling me that they would have a someone reach out to take care of the problem but never did. i also made them aware that i was on new contract that i never gave authorization to. I tried reaching out to XXXX XXXX on multiple occasions but fell short with talking to someone that could help. After months turned into years after not speaking with anyone or resolving the issue i then get notification on my credit report that XXXX XXXX sold my bill to a debt collector. the amount of money that they are claiming is unfair and inaccurate.
Complaint sub-issue: Their investigation did not fix an error on your report

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

EQUIFAX IS REPORTING FALSE INFORMATION ON MY REPORT, I HAVE DONE ALL I CAN TO GET INFORMATION REMOVED. 
ACCT INFO. 
XXXX, XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

XXXX XXXX SHOWS OPEN, I PAID THIS ACCOUNT TO A COLLECTION COMPANY IN FULL. I HAVE A LETTER FROM XXXX XXXX XXXX. I HAVE BEEN REPORTING TO ALL 3 CREDIT BUREAUS THAT XXXX XXXX IS CLOSED AND SUMMITED THE LETTER STAYTING ITS PAID IN FULL. ALL BUREAU COMPANIES KEEP SAYING THAT THE COMPANY THAT REPORTED TO THEM SAYS ITS STILL OPEN. I HAVE CALLED XXXX XXXX SO MANY NUMBERS AND THEY SAY THEY DONT HAVE IT OPEN. I DONT KNOW WHERE THE CREDIT BUREAUS ARE CALLING, AND THEY KEEP LEAVING THIS OPEN AND ITS NOT OPEN IT WAS PAID IN FULL AND ITS HURTING MY CREDIT. I HAVE BEEN AT THIS FOR 1 1/2 YEAR AND NOTHING GETS RESOLVED.
Complaint sub-issue: Didn't receive enough information to verify debt

I have an unverified account from AFNI, INC.. I had previously disputed this account. I have never done business with AFNI, INC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that AFNI, INC. provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AFNI, INC. Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Complaint sub-issue: Reporting company used your report improperly

The Equifax data breach that happened last month, I am being impacted as part of that & I want to report it. 
I have followed the steps suggested on their website to check whether I & my family members are affected & we are. 
I also enrolled for the protection services they have recommended. 
But the credit freeze service which they are providing are having high charges, I believe these should be made available for free, that is the main concern.
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 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 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 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: Information belongs to someone else

Equifax XXXX XXXX XXXX XXXX, XXXX Ref XXXX ( XXXX XXXX XXXX account number XXXX, XXXX XXXX account number XXXX balance XXXX ) Dear, Equifax On XXXX, I sent your company my letter with my FTC report regarding the fraudulent account ( s ) listed above outlining how your company has violated my rights as a consumer under 15 usc 1681. The subsections you violated are as follows. 
.15 usc 1681- ( a ) ( 1 ) .15 usc 1681- ( a ) ( 2 ). 15 usc 1681- a ( 3 ). 15 usc 1681- a ( 4 ). 15 usc 1681b. ( 2 ) .15 usc 1681c-2 And many more. For your convenience, I have attached the letter that I sent you before with this letter, your company responded XXXX alleging that the accounts in reference were verified. Now I am exercising my right under 15 1681i ( a ). I am requesting your method of verification, and I am granting you 15 days to respond to this request. If this account was verified as you claim that would mean that you investigated it, and it would also mean that this was in fact an investigative consumer report. If this is an investigative consumer report I am also exercising my rights under 15 usc1681a ( e ) I want to know exactly who you spoke with, and the method you used to speak with them I also would like the name and the employee number of the employee whom you spoke with the company who furnished this information. Pursuant to 15 usc 1681a ( e ) I am demanding the following :. Which neighbor did you speak with? 
. Which associate did you speak with? 
. Which friends did you speak with? 
. Which acquaintance of mine did you speak with? 
. Was the information that you received factual? 

Please keep in mind that you only have 15 days to respond to this request. If you do not respond in time this information must be permanently removed from my consumer report. 

Best regards,
Complaint sub-issue: Their investigation did not fix an error on your report

The problem is regarding to my credit score. on XX/XX/2022 my credit score was XXXX and on XX/XX/2022 my score decrease by XXXX points to XXXX there is no change on report, 0 % debt on my credit cards, no delinquency, only 1 inquiry in last 2 years and everything else is in a good standing. I talked with XXXX They have no answer for me and they can not solve my problem and I even spoke with FICO they can not do anything either. Please help me to solve this matter. 
This is my official statement for file a complaint against credit bureau, in this case, XXXX.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

**The defective five XXXX XXXX XXXX XXXX gift cards were returned via XXXX as requested by XXXX Customer Service . The XXXX Tracking Number XXXX XXXX XXXX for the return was delivered on Tuesday XX/XX/2018 at XXXXXXXX XXXX  and signed for by XXXX XXXX. We have still not received our Citi credit from XXXX as Citi did not process the disputes in a timely manner. Ref # XXXX - {$300.00} ( XX/XX/2018 ). Ref # XXXX {$300.00} ( XX/XX/2018 ). Ref # XXXX - {$300.00} ( XX/XX/2018 ). Ref # XXXX - {$300.00} ( XX/XX/2018 ). Ref # XXXX - {$300.00} ( XX/XX/2018 ). 


**The three defective XXXX XXXX XXXX XXXX gift cards were returned via XXXX as requested by XXXX Customer Service . The XXXX Tracking Number XXXX XXXX XXXX or the return was delivered on Thursday XX/XX/2018 at XXXXXXXX XXXX and signed for by XXXX. We have still not received our Citi credit from XXXX as Citi did not process the disputes in a timely manner. Ref # XXXX - {$300.00} ( XX/XX/2018 ). Ref # XXXX - {$300.00} ( XX/XX/2018 ). Ref # XXXX - {$300.00} ( XX/XX/2018 ). 



**The two defective XXXX XXXX XXXXXXXX XXXX gift cards were returned via XXXX as requested by XXXX Customer Service . The XXXX   Tracking Number XXXX or the return was delivered on Thursday XX/XX/2018 at XXXXXXXX XXXX and signed for by XXXX XXXX. We have still not received our Citi credit from XXXX as Citi did not process the disputes in a timely manner. Ref # XXXX - {$300.00} ( XX/XX/2018 ). Ref # XXXX - {$300.00} ( XX/XX/2018 ). 

**The defective XXXX XXXX XXXXXXXX XXXX gift card was returned via XXXX as requested by XXXX Customer Service . The XXXX XXXX XXXX  XXXX XXXX XXXX for the return was delivered on Thursday XX/XX/2018 at XXXXXXXX XXXX and signed for by XXXX XXXX. We have still not received our Citi credit from XXXX as Citi did not process the dispute in a timely manner. Ref # XXXX - {$300.00} ( XX/XX/2018 ).
Complaint sub-issue: Information belongs to someone else

Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

I previously did a complaint with XXXX XXXX XXXX. I disputed my XXXX XXXX credit card to them due to it being identity theft. I submitted supporting documents about identity theft supporting this account is not mine. But yet they would not delete the account. The company sent me documents to fill out that this account is fraudulent and I will be uploading a notarized document. I will also be uploading their previous response that they need this document to delete this account. I want documentation that they will be deleting this account. I am asking the credit beaurus to delete this account because this is a fraudulent account. This account was deleted from XXXX so it should be deleted form
Complaint sub-issue: Don't agree with the fees charged

My wife and I have been paying our student loans through XXXX. Around XXXX or XXXX, our loans were no longer serviced by XXXX. My loan went back to my original lender and we were never informed to where my wife 's loan went. As a result her loan went into default because we did not know who to make payments to. Her loan went into default and we were able to get it out of default within a year. Unfortunately our XXXX tax return I believe went straight to the student loan due to being in default. We are tying to get an accounting to see where the money went. If it did go towards our student loan? and if it did, Why is our student loan still high? were there other ridiculous fees added on? We've been trying to contact XXXX XXXX XXXX XXXX , College Assist, and XXXX XXXX XXXX who were all involved. But they seem to be " passing the buck '' to each other. In Summary : 1. Where did my tax return money go to? approx {$7000.00} or {$9000.00}, I'll double check 2. If it did go to my student loan, ... Why hasn't my Total amount significantly decreased?
Complaint sub-issue: Right to dispute notice not received

I have a student loan with Citibank that went into default. The loan was passed to XXXX ( XXXX XXXX XXXX ) to collect the debt. In XXXX 2015, I made contact with XXXX and worked with them to set up a " Settlement '' that would be agreed upon by XXXX, Citibank, and myself including setting up fixed monthly payments for a set period of time. I was then required to provide Routing and Account information for Auto Bill Pay and required to e-sign the settlement agreement. 

Sometime in XX/XX/XXXX or XX/XX/XXXX, Citibank ceased relations with XXXX and XXXX no longer was collecting my debt. I did not receive any notification that this had occurred and when I contacted XXXX they directed me back to Citibank. At the time, Citibank informed me they were collecting the debt in house and I made the fixed payment over the phone and was unable to set up Auto Bill Pay due to a problem with their computer system ( they would be inputting the information at a later date ). 

After Citibank did not continue with the Auto Bill Pay I again contacted them to discuss the issue. They then informed me that they are not honoring my settlement agreement, they have no records from XXXX, and that XXXX XXXX ( Collections ) was now handling my debt and I need to contact them. 

Again, never received any notification. This does not seem fair or legal. I have made a good faith attempt to handle my debt. My debt should be discharged for unfair lending practices.
Complaint sub-issue: Information belongs to someone else

I was made aware of an account on my credit report that does not belong to me. The accounts name is XXXX XXXX XXXX XXXX XXXX opened XX/XX/2016 {$6000.00}. I have no idea who is responsible for opening this account but I did not give anyone permission to open it in my name. I filed an FTC report as well as a XXXX XXXX police report which I have attached to this complaint.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2020 i filled an online dispute # XXXX with Equifax that was incorrect also with XXXX XXXX dispute # XXXX and XXXX  dispute # XXXX please have it removed.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2022, USPS tracking number XXXX, I mailed XXXX a handwritten letter, appropriate proof of the identity and some FTC reports due to incorrect items on the file they have on me, XXXX XXXX a consumer in fact. This is now the 5th time that I have mailed in letters and FTC reports addressing this issue with either no response or a generic response. The latest response claims that the letter and reports I sent did not come from me and therefore they took no action. I am not sure how XXXX can make that determination considering I sent in appropriate proof of my identity, hand wrote the letter myself, I have sent them the FTC reports several times, and they did nothing to verify that the letter was not sent from me. According to 15 U.S. Code 1681b ( a ) ( 2 ) 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. I have not given any permissible purpose to report my personal dealings with any other sources. XXXX or any other consumer reporting agency for that matter These accounts have been affecting me for a few years and Ive tried several times to address this matter with XXXX  to no avail. As a victim of identity theft, I filed a report with the FTC sent it in to the appropriate consumer reporting agencies ; XXXX took no action once these reports were received on XX/XX/2022. According to 15 U.S. Code 1681c2 ( a ) Except as otherwise provided in this section, 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 by such agency of ''. I have been denied multiple times due to this inaccurate reporting by XXXX. Furthermore, I explained to them that according to 15 USC 1681b ( 6 ) since XXXX, XXXX, & EQUIFAX operate nationwide, they should have removed the accounts and alerted one another in order to keep accuracy on all reports and comply with this law. The hardship this has brought to me, and my family cant be explained in words, but I am making that attempt now. I have no confidence nor trust in XXXX as they have willfully and knowingly kept reporting these inaccuracies as stated in 15 USC 1681n. the Fair Credit Reporting Act states that the banking system is dependent on accurate reporting and XXXX is not exercising its grave responsibility to me a consumer and is not being equitable by its continuation of reporting inaccuracies. the accounts are : 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 XXXX XXXX XXXX XXXX and incorrect personal information, I have filed a new FTC report to go along with this complaint as well.
Complaint sub-issue: Information belongs to someone else

A line of credit was fraudulently opened in my name under the account title Kickoff Lending LLC in XXXX of XXXX. I contacted my bank ( XXXX identity theft department ) and started the process of disputing this claim. There were also several different inquiries and attempts etc. I also put a freeze with all XXXX credit agencies. I got the report back but did not notice that Kickoff Lending LLC apparently verified the account according to XXXX. I only noticed that the account was never removed when I received an alert that my credit score had changed. I then logged in to see that my credit score had dropped due to XXXX delinquent payments to the Kickoff Lending. It says I have a {$24.00} balance. I then started investigating this company and saw similar complaints with the exact dollar amount my account had. I have tried to contact this company but when you call the number it gives you an email address only. The email I tried to send was immediately sent back to me as a bad email account. I have filed a police report as well as a report with the XXXX XXXX XXXX. XXXX has told me this is my next step in hopes that you can contact the company as they also have been unable to.