Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Funds not handled or disbursed as instructed

I am involved in a court case and needed a copy of checks written on my account from Citibank. I asked the bank to send me the copies of the cancelled checks. My attorney also subpoenaed a copy of my bank records. However the checks I received did not match up with the records my attorney received. They were the same account but different amount on the checks. When i asked a local branch manager ( XXXX ) she said she would look into the matter for me. She never got back to me. When I went into the branch again later, I met with an area VP XXXX, he also said he would look into the situation and we scheduled an appointment for the following week. The day before the scheduled appointment he called and cancelled the meeting stating he was not going to be in town and had to reschedule. We rescheduled the meeting for Wednesday XXXX XXXX at XXXX. An hour before the appointment his assistant called and cancelled the appointment stating he mailed me a copy of what his findings were and how to proceed. I have to this date not received anything and have been unable to reach him
Complaint sub-issue: Debt was result of identity theft

I went to XXXX College in XXXX AZ for a trial time. I did not complete my classes there and was told that I they were a new school for XXXX  and XXXX  and they were introducing a non traditional platform for people that did not want to go to a big college.I decided not to go to this school because they were getting sued and we also found out that credits could not be transferred because they had the incorrect staff teaching classes. I opted out of continuing to go to this school. I did sign paperwork acknowledging I was a trial student ( is what they told me and hundreds of other students ) All of a sudden I am getting garnished years later. I called the collection place ECMC to dispute this and they did nothing for me. I am not able to find any documents because i have moved and around a lot since my attendance with XXXX college. So many other students are fighting this debt too. ECMC was not able to show me what i signed but they are saying I owe XXXX. I have attached some news on the school as well XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Although this complaint had already submitted ( XXXX ) - I now have a response from the vendor stating that they never received the funds in question. Citibank has also reapplied the donation charge and since I had funds come back to me from canceled vacations - they have taken the FULL AMOUNT that has been in dispute. Even with my documentation, CITIBANK has closed the dispute- although it has not been resolved. 
They were alerted within minutes of this mistake and have not taken steps to reach a resolution. 

On XX/XX/XXXX we tried to make a DONATION of XXXX  British pounds to XXXX XXXX ( Located in XXXX XXXX ) from a mobile device on their site. Unfortunately, a mistake was made by entering a comma rather than a period and the donation became XXXX pounds vs/ XXXX. Immediately upon a confirmation email was received - within minutes of the transaction we immediately called CITIBANK to reverse and stop the transaction. We escalated to a supervisor and were told that the only way to stop it would be to cancel our card. Reluctantly we agreed to do so. A new card was received but the charge appeared on and off the statement for the next billing cycle. Repeated calls to Citibank resulted in no help. We contacted the XXXX XXXX by email on XX/XX/XXXX and received an understanding acknowledgment and an offer to help. After another call to Citibank, we were told to contact the vendor and ask for a letter to be sent to the Disputes Dept. We did that on XX/XX/XXXX but never received an answer. Three letters were received from Citi ( XXXX XX/XX/XXXX ) - all, in essence, denying our claim. We submitted the emails and filled out a form that they asked us to on XX/XX/XXXX, however our last correspondence on XX/XX/XXXX, indicated that the vendor 's bank referred to the terms and conditions and our dispute was closed by Citibank as they say there is nothing else they can do. After another reach out to Citi and the vendor we have not received any response and the charge has been put back on our CCD. Don't know what else to do as we have tried to do everything we have been advised to do. Each Citibank agent tells us something else and ultimately nothing gets resolved. Can you assist? 
WE have now provided the most recent email from the vendor ( XXXX XXXX ) stating they have never received the money in question. Dispute # XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I do not recognize these inquiries into my credit. 

XXXX XXXX - XXXX, KY XXXX/XXXX - XXXX, FL. 
XXXX XXXX - XXXX, MD. 
XXXX XXXX - XXXX, WIS.
Complaint sub-issue: Information belongs to someone else

Fraudulently opened accounts multiple accounts none of them are minea
Complaint sub-issue: Information belongs to someone else

I have one account on my credit report that does not belong to me I have not applied for this used or or know where this came from I need this taken care of I have been disputing this since 2019. 

XXXX  XXXX - XXXX XXXX {$14000.00}
Complaint sub-issue: Debt is not yours

I am writing to delete the following information in my file. The items i need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the federal trade commission identity theft affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Investigation took more than 30 days

XX/XX/2019 XX/XX/2019 & XX/XX/2019 I contacted all three of the bureaus in regards to in accuracies on my credit report. I I requested for them to validate the information on my credit report Ive been part of the breaches from XXXX XXXX XXXX in XXXX XXXX the last few years. I asked that they provide the method of verification name address phone number of company that provided the verification as well as proof they received the original dated contract with my signature three months later and they have yet to do so. I have 60 inquiries via XXXX XXXX 35 Equifax 21 XXXX that are unauthorized and harming my ability to obtain new credit the only thing they send me is copies of my credit report not the validation which I am asking for. XXXX XXXX and Equifax also still have the three collections on my credit report that was removed XX/XX/2019 due to no validation. I contacted yall about that also and was told it takes 10 days.
Complaint sub-issue: Information belongs to someone else

These are not my accounts nor did I authorize these merchants to conduct an inquiry. Also, there are names and addresses that I don't recognize on my profile.
Complaint sub-issue: Talked to a third-party about your debt

I, XXXX XXXX, entered into a consumer credit transaction with, lending club and XXXX bank. A consumer transaction in which a finance charge was involved. 15 USC 1681 ( A ) ( 4 ) under FCRA means the consumer has rights to privacy. in which lending club and XXXX Bank failed to provide protection of my rights. Inclusive towards that. The Corporations failed to verify and respond to my accounts over 45 days which also violate my rights of reporting accuracy. I have sent in certified mail which I have receipts from that have yet to be verified also. Companies need to block and delete accounts from credit reports. I asked for signed documents and any validated documents they have and failed to provide. If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account.If you were able to conduct a proper investigation of the records for this account send all documents as i believe this is fraud on my credit report. these accounts are not 100 % accurate they reporting late payments. reporting without my consent these accounts are in huge violations.
Complaint sub-issue: Reporting company used your report improperly

Recent cybersecurity breach at Equifax led to release of personal information of millions of users ' social security numbers and other important personal information that can lead to identify theft crimes. I am one of them. I have tried to resolve the issue with Equifax and while they admit the breach, they can not provide sufficient protection that will ensure that my identify will not be stolen. For example, 1-year of credit monitoring is too short, as my social security number ( SSN ) will now be in public forever. Also, even if I were to change the SSN, Equipfax does not provide any assistance/compensation regarding the times I lost changing my SSN, contacting various financial/governmental agencies to inform that I have changed my SSN, and other time/energy/finance consuming activities that will entail. The company 's response to one of the most serious security breach is insufficient for consumers to be protected from the identify theft.
Complaint sub-issue: Can't get other flexible options for repaying your loan

On XX/XX/XXXX I was contacted by XXXX XXXX who stated she was from the U.S. Department of Education Student Loan Forgiveness Department Processing calling to discuss my student loan repayment options. She was able to provide me with secure information from my FAFSA  profile like my persons of contact, which is my mom and grandmom. She provided me with their first and last name and their home addresses. She proceeded to tell me that my full amount in loans is {$25000.00} and that they way it was set up now no would be paying on it for over 20 years. She asked what my annual income was to see if I qualified for loan forgiveness and I told her I make less than {$25000.00}. She then told me that I qualify for the Student Loan Forgiveness Program - Revised Pay As You Earn Enrollment. She said I would have to pay {$140.00} for 6 months for a total of {$870.00} and after those payments the rest of my loan would be forgiven. I provided her with my debit card to set up the payments to be taken out on the XXXX of every month. She then told me I would receive email confirmations to further solidify the process. She also said that I would be receiving a phone call from XXXX which is someone in their processing department that would be finishing my student loan forgiveness. After speaking with XXXX she emailed me documents to sign. And then the the first payment of {$140.00} was taken on XX/XX/XXXX and then a second payment on XX/XX/XXXX. I found out yesterday after speaking with the real U.S. Dept. of Education FedLoan Servicing Department that I had fallen victim of a scam. I was also informed that some papers had been faxed or mailed to them with all of my personal information and signatures and other information to change on my FAFSA documents. They changed my information to show my repayment option should reflect that I have XXXX children, havent filed taxes in the last two years and that I have non-taxable income. All of those accusations are false. I do not have any kids or dependents, I filed my taxes for the year of XXXX and plan on filing for the year of XXXX, and also I work a full time job where federal and state income taxes are taken out of every check.
Complaint sub-issue: Account status

I received an alert from my credit monitoring service that I had an account placed in collections, which I knew was inaccurate because I have no accounts which are delinquent. I contacted the collection agency about the alleged debt, and they refused to advise who the original creditor was, so I sent them a dispute of debt validity via certified mail. After that, I disputed the information with one of the other credit bureaus, which, after reviewing the information, agreed to remove it and promptly did so within XXXX hours of my contacting them. 

Equifax, however, has refused to remove this information, despite the fact that after repeated contact with the collection agency, I discovered who the alleged original creditor was, and they even confirmed that this alleged debt ( from XXXX and a XXXX years ago ) did not exist and that they did in fact NOT send it to collections. 

This information needs to be removed immediately and I have disputed it twice now with Equifax to no avail, despite the other CRAs acknowledging this information is indeed erroneous.
Complaint sub-issue: Account status incorrect

I applied for a home loan pre-approval recently and the mortgage broker informed me that my Equifax score showed up as XXXX due to " Serious recent delinquencies ''. However, nothing was actually shown as delinquent on the report that the broker pulled, nor on my credit report. My Equifax report shows my FICO as XXXX with no delinquencies or pubic record. 

This is a serious issue because I ca n't contest this with Equifax unless a derogatory account is listed. My identity was stolen on X/XX/15 ( CFPB actually helped me resolve an issue with XXXX 's that arose from this identity theft ) and I filed the appropriate paperwork including a police report and place a fraud alert on all 3 reporting agencies. I also locked my credit to prevent further theft. Currently the only debts I have are a student loan ( XXXX/XXXX ), and two credit cards ( XXXX and XXXX XXXX ). All of my accounts are current and in good standing. 

I would like this resolved as quickly as possible, especially since I 'm looking to purchase a home within the year.
Complaint sub-issue: Information belongs to someone else

I was recently looking at my credit report and I noticed a number of accounts I did not create or authorize. I also noticed a number of accounts with false late payments and derogatory remarks. All of which need to be removed from credit report. I am writing this due to non-compliance with ( Equifax, XXXX, XXXX  ). They have failed to remove information that was satisfied with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Complaint sub-issue: Their investigation did not fix an error on your report

Creditor - XXXX XXXX XXXX ( Mortgage from XXXX XXXX ) Please change Status to CLOSED PAID IN FULL. BALANCE XXXX. I was part of the governments sanctioned forbearance plan and as a XXXX  protected person I am unfairly being targeted by this additional statement by not being able to obtain housing. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

I am a single mom and XXXX vet, on fixed income due to my packet being in appeals at VA. Years ago, I signed up for a phone at XXXX , it was horrid and I had to give them back three phones that didn't work properly. I went to XXXX, AR spoke to the lady working at XXXX, paid my balance in full, and told her I was done, going to XXXX XXXX  and sick of them sending me jacked up phones. Then a few months ago I decide to dig into my credit report cause I want to use my VA Loan, and XXXX was charging me {$700.00} that I didn't know about, disputed it, and now it is {$280.00} and has to be paid in full, in which, I am a single mom and on fixed income, have severe XXXX health issues and lost my job in XX/XX/XXXX, and was told by VA I am XXXX, and my packet is in appeals. I am a XXXX veteran, and after I got back from XXXX I hated myself for the pain I had caused others and went down hill, and ended up divorced and in bankruptcy, been trying to pull myself up over the last five years and now see XXXX wanting money, and they are the ones who sent the jacked up phone, and I told them to turn the phone off. I just feel like companies need to recognize that vets come back from XXXX and some of us go through a lot of XXXX and XXXX XXXX, and should be respected and understood, helped and not fined for not wanting to do business with XXXX. Personally, I don't feel I owe them XXXX, and was just wondering if you could help, and if I need to pay I have to do it in payments, and XXXX is bogus. It just XXXX me off that people put their hand on their heart and think that is honoring a veteran, but when we come back XXXX XXXX  in our head, not the same, and gone through XXXX, we should be supported by our country in all ways. maybe I am an XXXX, I don't know .... I just feel, they are XXXX me over, and I closed that XXXX account and it was paid in full, this is on them and not me, and they are trying to charge me. They should of turned the phone off as asked, and the lady at XXXX who I spoke with was using a XXXX XXXX phone and totally agreed I should go do that. So all this is a surprise, and I am upset and can not afford to toss out {$280.00} for a greedy XXXX company who only cares about material gain, and not the person. Anyhow, rant over, please help if you can ... XX/XX/XXXX is when I received the very FIRST letter ever from them, and had XXXX  dispute it first, then they went to XXXX. Whatever it is, I need it completely off my report, and if I can get it forgiven that would be kind of you, and I honestly just don't have {$280.00}, and a single mom to XXXX kiddos and on fixed income waiting for benefits to come through. Thank you so much ... They never did any action to let me know anything, and never called asking me, I just saw it months ago cause I am trying to ensure my credit is where I can use my VA loan.
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/2022. And now we are in the month of XX/XX/2022 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. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MIXXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

Equifax Security Breach. I do n't know how much or what was taken, but I now stand the risk for, well, ever, that someone will maliciously use my personal sensitive information. I have yet to buy my first house, but I now worry that my credit will be misused and negatively impact my ability to borrow or buy.
Complaint sub-issue: Account status incorrect

XX/XX/2019 Monthly amount being paid every month for 4 or 5 years and company reports 6 mos behind the whole time
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have attached 2 FTC reports with inquiries I did not authorize
Complaint sub-issue: Information belongs to someone else

I applied for a XXXX XXXX XXXX credit card today XX/XX/2020and I  was not approved. I was confused as to why I didn't get approved since I have a great credit history. I looked through my credit report and I saw several accounts and inquiries on my report that are not mine. I did not open any of those accounts and after making some phone calls I found out that those accounts were opened by a person named XXXX XXXX without my permission. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not make any purchases nor did I make any payments towards any account. I have already filed a police report regarding this matter.
Complaint sub-issue: Account status incorrect

When I left XXXX University in XX/XX/XXXX I had a balance of {$6200.00} in which I was making payments up until XX/XX/XXXX with a remaining balance of {$4200.00} when I went back to school at the University of XXXX. I made one more payment at XX/XX/XXXX to drop the balance at {$4000.00}. From my understanding as long as I am in school at a part time capacity or better and after graduation I have a 6 month grace period. I recently discovered that my credit score got affected negatively in XXXX of XXXX so I asked for my credit report in which it showed that FedLoan Servicing reported to XXXX, XXXX, and XXXX  that my account was delinquent. I've contacted them on 3 separate occasion trying to settle/dispute this account in which I was made to pay {$300.00} on XX/XX/XXXX which they never explained that the account was active again but I was told on 2 other occasion that this was still delinquent because it was past due 90 days and it was suppose to be in the delinquent department which they refuse to give the number for. Now I called again today and was told that the account is not delinquent. 

My complain is with the action they took they have damaged my credit score significantly that it dropped over 200 points. I have never received any type of communication from them either mail, phone calls, or email and I was told that they have tried reaching me with all of this but I have never even received a voice mail. Upon receiving my credit report I see that they have been billing me from XX/XX/XXXX-XX/XX/XXXX and from my understanding I have a 6 month grace period upon graduating from school which I graduated in XX/XX/XXXX. I wasn't even given a 6 month grace period on top of the fact that they never sent any type of communication to me. 

I understand that I owe the loan but the way they handled the matter and destroyed my credit score is  what I'm fighting for. I want them to remove the negative notes they sent to XXXX, XXXX, and XXXX  and fix my credit score. I have a attached a copy of my credit report showing that they have started billing me 1 month after graduation without any communication. This is not fair practice from a financial institution and is a irresponsible actions that can cause possibly not getting a job, can't find a place to stay, or can't get a loan for a home because they ruined my credit.
Complaint sub-issue: Information belongs to someone else

not mine : FCRA violations base on my findings of the law and no brainer situations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This request can not be processed online. XXXX  maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY
Complaint sub-issue: Their investigation did not fix an error on your report

I called and spoke with a representative at Equifax and   XXXX  credit  reporting I have sent in documentation showing that I have paid my balance in full with   XXXX   XXXX   XXXX  .   Equifax continues to report a balance of {$11.00} on my report from   XXXX   XXXX   XXXX  . I have tried to dispute this online also when trying to submit the dispute the website does not allow this to be submitted.  Reporting  this on my credit report is emotionally and financially distressing, I am contacting you to help is a resolution that will stop the harassment that I am suffering in to this day.