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

I disputed fraudulent information on my credit report beginning XX/XX/XXXX. I have provided 2 police reports and numerous other information but still they are leaving on my report fraudulent accounts with XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX   XXXX. I have even provided an internal fraud report number for XXXX  after visiting a local office. I was not even in the country when this happened. I was XXXX XXXX military. Equifax has done nothing but tell me that I have to provide more information. I am about to lose my home which will make my family homeless. I faxed Equifax a police report on XX/XX/XXXX and they stated they required a different format which I faxed them on XX/XX/XXXX. I have fax confirmations. This is after several letters dating back to XX/XX/XXXX. Spoke to XXXX at Equifax. 

I did send the same to XXXX and they have removed it from my credit report while it is being investigated. They should have been done with their investigation as I started this in XX/XX/XXXX. Spoke to XXXX at XXXX. I have a copy of the return receipt for XXXX. 

XXXX  has removed it and has been good to work with. 

Equifax has been very difficult on every level.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

It is so complicated and frustrating..I have called discover multiple times and spent hours on the phone. There was a dispute fraudulent charge. Old Account was closed and a new card was sent. I paid off old balance. This payment wasnt reflected. And old balance was transferred to new card. I thought ok mistake so I paid it also thinking I would get a credit eventually. Now they are saying I STILL owe old balance and trying to transfer it again to account. Also even older than this was an old double charge from XXXX where the charge from XXXX and the charge from the hotel for the same night was on statement and they still did not honor my dispute.
Complaint sub-issue: Information is not mine

XXXX is reporting for XXXX on Equifax that I owe almost {$4000.00} to a company I never did business with. I 've even spoke with a representative from XXXX in the past who said the information did not match, but yet it remains. I 've never been called, never received any documentation, nor any showing my personal information even matched from XXXX. I 'm a single mother with a XXXX, who was diagnosed with one XXXX in XX/XX/XXXX and another in XX/XX/XXXX. I did n't even know what XXXX was until I called.
Complaint sub-issue: Problem getting your free annual credit report

I applied for a car loan through XXXX bank. I was denied because my XXXX XXXX credit score was too low, however my score with the 3 MAJOR credit bureaus is 250 points higher than that reported by XXXX. In order to get a copy of my credit report from XXXX, they want me to send in copies of very personal documents which I am not comfortable sending to them. I believe it is just another way for them to gather my personal information in a highly illegal manner. I want all of my personal information held at XXXX to be immediately and permanently deleted.
Complaint sub-issue: Debt was paid

I received a letter from I C System stating that I owe a XXXX bill 7years ago. I received the letter 2 weeks ago. I reached out the XXXX and the company said they didn't have an account under my name. I told the representative I did owe a bill and that a collection agency reached out to me and it was paid in XXXX.I called my bank hoping they can track the payment but they only go back as far as 6 years. Being that XXXX collection was not on my credit report, the company was paid. I C System didn't give me 30 days to rectify the problem with the account that was issued to me. This company posted this account to my credit report. I would like to see the original bill of {$680.00} stating I owe. I called and spoke to the I C System operator she stated if I paid another collection agency they didn't close my account out. I would definitely like to see the original bill saying I owe this amount since its going through so many agencies. Thank you for your help in advance.
Complaint sub-issue: Information belongs to someone else

I reviewed my credit and found 3 collections account for XXXX XXXX and a long list of inquires, where these people were trying to use my credit to open new accounts. I have XXXX XXXX and have lived in my home for over 10 years. These cable accounts were being opened every 2 to 4 months behind each other. I did not open these account or authorized anyone to open these accounts.
Complaint sub-issue: Attempted to collect wrong amount

On XXXX XXXX I have contacted discover credit services and ask them when my next payment was due they informed me my payment was not due Until XXXX XXXX. On XXXX XXXX discover credit services Over drafted my account {$28.00} On XXXX XXXX I called and spoke with XXXX She had agreed to waive one in NSF charge from my bank account I had requested to Have my payment in XXXX waived for the inconvenience of them providing me False information. On XXXX XXXX I called XXXX again she agrred they will pay one nsf fee to my bank, but will not be able to wave a payment for the inconvenience I had informed her they are in violation of Udapp. XXXX had informed me there was nothing they could do. XXXX contacted my bank agree To pay one {$35.00} fee to my account And requested my bank forgives the other {$35.00} insufficient funds fee. XXXX had advised me that I still need to pay the {$28.00} they had misinformed me on discover has failed to accommodate me for their violation.
Complaint sub-issue: Problem getting your free annual credit report

I recently tried to gather my credit reports to identify debt and get a handle on my fincnail situation. XXXX and XXXX were both easily acquired. The problem is with Equifax. The XXXX XXXX XXXX   site said the report was not available. So I logged into my Equifax account and tried to obtain a copy from the source, but was still not able to do this. I thought that I may have a freeze or hold on my account, but my profile states there are no issues on either end. So what are my options?
Complaint sub-issue: Funds not handled or disbursed as instructed

Hello CFPB, On XX/XX/XXXX I opened a Betterment Bank Checking Account after seeing it on an App called XXXX. Opening this Betterment account and funding it ( no minimum funding requirement was stated ) meant that I would receive XXXX XXXX points, the equivalent of {$50.00} in gift cards. 

After months of waiting, I never got my points. I contacted XXXX and they replied that Betterment is declining to give me my points because I only deposited {$0.00}. Once again, there was no minimum deposit amount stipulated in the terms and conditions. They are not honoring their side of this deal. 

What XXXX said : Sure thing, XXXX! 

The Betterment offer steps are as follows : You must be a new customer To earn your XXXX  points, open and fund a checking account through the button below You must click the button below and open and fund your account in the same session XXXX points are not eligible on Investing and Cash Reserve accounts As I said, the checking account does have to be funded, so XXXX does not meet that requirement. 

My response : So what you're saying is that the XXXX deposit I put in doesn't count? 

What XXXX said : Hi XXXX, Unfortunately, yes that is the case. We have been told of a couple of blogs that were advocating this that were not associated with XXXX that drove some members to create Betterment accounts with XXXX and other disqualified rates. We've done our best to help correct for this, but it looks like Betterment has declined this particular case already based on the amount of XXXX cents being used to fund the account setup. 

What I said : See that's the thing. The minimum deposit amount wasn't listed on the terms and conditions. I deposited correctly ( sure it was only {$0.00} ) but I fulfilled my end of this deal. 

I opened this account purely because I wanted the points on XXXX. 

What needs to be done on my end to get these points? Should I contact the CFPB and make a case against Betterment? I think that will suddenly make them accept that they have to honor this deal. 

What XXXX said : Hi XXXX, I do hear your point here, but as I said, Betterment has deemed this as insufficient to be considered reasonable funded. We've had several members misled by the blog posts that suggested this, and have had a painful time assisting them because of it. 

_____________________________________________________________ So here we are today. CFPB you're my only hope to rectify this situation. Betterment Bank scammed so many people who opened accounts, got a hard pull on their credit score, didn't stipulate a minimum requirement ( just that it had to be funded during the same account opening which is what I did ), realized their mistake, and now they're trying to put the blame on the customers. This is the definition of a scam. 

Please do whatever you can to help consumers like us from these banks that are trying to get away with scamming us. Thank you so much.
Complaint sub-issue: Account status incorrect

I have included in this complaint a photocopy of the account in question. NelNet  is reporting to me that I am 60-90 days late and I have NEVER BEEN LATE. I have impeccable credit and this is hindering me due to their neglegance and error. One account is showing with the same balance closed and transferred and then it shows in the next the same amount as late. I have contacted them several times and someone in their office said they would correct the issue but they never did.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later i have not received a response yet. I feel like i am being taken advantage of and i am being ignored of my dispute section 611 ( a ), it is plainly stated that a failure to investigate these within 30 days give a reason to immediately remove these items from my credit report it has been over 60 days, so they should be deleted promptly i demand these accounts be delete it immediately or i will file for litigation due to the stress you caused me. My information was also impacted by equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Indicated committed crime not paying

I received a voicemail on my cell phone around XXXX PST on XXXX/XXXX/2015 from " XXXX '' from Northwind Associates, a debt collection agency. XXXX states that she is a legal courier for the county and that she has legal documents with my name and social security number on them and that if I do n't call back within 24 hours, it will be recorded with the county as a lawsuit and a refusal, where they will get a default judgement against me. I called back the offices of Northwind Associates at XXXX and asked for their mailing address and company information. I was told by their associate that their mailing address is : XXXX XXXX XXXX XXXX, NY XXXX I did a search for their company name and another search for their address with the NY Department Of State and this company is NOT a registered business, nor do they have a license to be a debt collector. This is their website, showing the same address as above : XXXX I believe this company is acting as an illegal debt collection agency and preying on consumers who fall for their scam.
Complaint sub-issue: Contacted you after you asked them to stop

XXXX XXXX is an employee of RAB Inc. We have now asked him and his organization to take us off his list and to stop all phones calls on at least 5 occasions. 

He calls us over and over. Leaving very threatening messages. He contacted me today by making it look like my office called me. While he was on the phone with me, he pulled up my address, my auto mobile, my wife and her birthday, and while talking to him, he began pulling up my home, home value, address, car wife 's car and threatening both me and my wife. 

This man is not only a criminal but he is very dangerous. He calls me and I am not even an officer of the company that he says owes the debt. He calls the owner, employees who do not even know about the situation, companies he finds on our websites, and harasses and threatens each of us. This company and this man is very very dangerous. We have asked them now to stop calling for several weeks. They refuse and now are threatening our families. I feel I should start carrying a XXXX. 

Imagine a stranger calling you who you owe nothing and have never met, and they start telling your address, home value, the cars you drive, license plates, wife 's name, my dob, my wife 's dob, and then yelling at you calling you a criminal over and over.

Would you find this threatening? Would you feel endangered?
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2900.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Complaint sub-issue: Trouble with how payments are handled

FedLoan Servicing Income Driven PSLF qualifying payments. I often round-up to nearest dollar or so in my payments. Payment screen on website says what I owe, not what my required PSLF amount is even if it differs ( as my other lenders do quite transparently ). As such, I have " missed '' payments ( due to overpayment the month before reducing amount I owe on my payment screen ) for almost two years. TWO YEARS. Never a notice that I 'm not paying my required PSLF amount, nothing. I have escalated the issue to management today ( XXXX/XXXX/2017 ) and they will " be looking into it. '' Often the missed amount is {$0.00} or less. I have made decisions of employment and home buying based on being much closer to qualifying for my 10 years than this deception now has me at. I said, your organization could n't be trying harder for me to pay the wrong amount.
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

I reported to XXXX  that my identity is being used to submit inquires for credit lines, loans and unsecured credit lines, this is continuously happening and affecting my credit. I have filed an official report with the Federal Trade Commission 's fraud department my claim number is XXXX. I would like all the 70+ inquires in the past two years to be removed from my credit report.
Complaint sub-issue: Reporting company used your report improperly

I XXXX XXXX XXXX am writing the complaint on my own behalf. I am a consumer who have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ) XXXX XXXX has violated my right to privacy by furnishing information about me without any lawful authority. XXXX XXXX is a also in violation of Regulation Z XXXX ( d ) ( 2 ) which states that a creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges. XXXX XXXX was sent a billing error notice as well as a billing dispute. A consumer must be given a chance to direct whether they want the information about a transaction to be reported or not. This is referenced in the XXXX XXXX XXXX. I was not given the chance to opt-out of having this reported information by XXXX XXXX and this is a violation of 15 USC 1681a ( 2 ) ( iii ) and must be removed. A consumer reporting agency needs written instructions by, I the consumer to furnish a consumer report. without written instruction consumer reporting agencies has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumers report. By definition XXXX, equifax, and XXXX has committed identity theft. This is a violation of 15 USC 1681b ( a ) ( 2 ) and the information associated with XXXX XXXX Must be removed. XXXX XXXX was also sent a cease and desist which also stated that they must cease and desist communication through any and all mediums including my consumer report. XXXX XXXX has continued to report on my consumer report as a way to extort me for money 18 usc 894 which says that the collection of extension of credit by extension is a criminal offense and any two or more parties involved with the collection of an extension of credit through extortion are involved in racketeering.
Complaint sub-issue: Account terms

XXXX Account # XXXX PAST DUE {$73.00} Equifax is showing that I am past due {$73.00} XXXX and XXXX are showing the correct and proper way.
Complaint sub-issue: Information belongs to someone else

I HAVE BEEN A VICTIM OF IDENTITY THEFT AND I AM REQUESTING THAT AN INVESTIGATION AND REMOVAL TAKES PLACE ON THE FRAUDULENT ACCOUNTS THAT HAVE BEEN PLACED ON MY CREDIT REPORT. 
SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN SOME CREDIT CARD ACCOUNTS AND A LOAN ACCOUNT. I HAVE NO IDEA AS TO HOW THAT INDIVIDUAL GAINED ACCESS TO MY PERSONAL INFORMATION. PLEASE UNDERSTAND THAT THIS HAS HAPPENED WITHOUT MY KNOWLEDGE OR PERMISSION. 
I HAVE BEEN UNDER A LOT OF STRESS BECAUSE OF THIS AND I FEEL LIKE MY LIFE WILL REMAIN AT A STANDSTILL UNTIL THIS SITUATION IS RESOLVED. MY FUTURE DEPENDS ON THIS MATTER BEING RESOLVED SO I AM ASKING THAT ACTION TAKES PLACE IN A TIMELY MANNER.
Complaint sub-issue: Reporting company used your report improperly

XXXX, Account # XXXX has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Additionally, I exercise my right to opt out of any and all authorization I the federally PROTECTED consumer may have given XXXX whether it be written, unwritten, verbal and nonverbal pursuant to 15 U.S.C. 6802-6805 and 16 CFR 313.7 Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.
Complaint sub-issue: Their investigation did not fix an error on your report

Monday, XX/XX/2021 RE : INCOMPLETE, MISLEADING & UNVERIFIABLE FOR XXXX XXXX # XXXX DEAR XXXX XXXX XXXXXXXX XXXX ; I was going through my motorcycle XXXX XXXX XXXX and noticed that there are multiple inaccuracies on the way this account is reporting. I been trying to get to the bottom of this for the last 3-5 months, but it continues to report wrong, incomplete, misleading, inaccurate information. How come each credit bureaus are reporting 3 different dates that I was late ; for example one is saying that I was late one month but the others saying that I was OK how? This is erroneousness and inaccurate, and incomplete data.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus ( " XX/XX/2022 '' ) to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. " XXXX XXXX XXXX : {$55.00} "
Complaint sub-issue: Funds not handled or disbursed as instructed

I submitted an application to open a checking account. The bank sent me a card and I activated it and started making deposits. I deposited {$470.00} in total. 

However, the account was locked because I apparently had not submitted some additional documents - Social Security card, utility bill. Unfortunately I need to order a replacement social security card and won't have a utility bill with my current address for a few weeks since I just moved. 

So I called Citibank and asked if I could just close my account and get my funds back since this was really too inconvenient for a bank account that was supposed to be a convenient way of tracking weekly spending. They said I could go to a branch and close the account and receive my money. 

I did that and the bank refused to give me my money, claiming that they would not distribute my funds until I provided my social security card and a utility bill. 

I believe it is patently unjust that an account would be active enough to accept my despisers but not active enough to give me access to my funds. I just want to get my {$470.00} back and be done with Citibank.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I received a copy of my credit report and have some hard inquiries on my report that I do not recognize. 

XXXXXXXX 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
Complaint sub-issue: Information belongs to someone else

On the above date and time and had a few inquiries that has been reported to XXXX, Equivax that were not authorized by me and are fraudulent. I already contacted the creditors and as well as the bureau and they are still reporting XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXXInquiry from XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX  Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXXXXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX Inquiry from XX/XX/XXXX + Personal Loans Cos. 
XXXX Inquiry from XX/XX/XXXX + Complete Dept. Stores XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX from XX/XX/XXXX + Miscellaneous Reptg. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXXXXXX, XXXX + Telephone Companies XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXX XXXX Inquiry from XX/XX/XXXX + Personal Loans Cos All these inquires are fraudulent
Complaint sub-issue: Threatened to sue on too old debt

I have an agency in XXXX Illinois by the name of AFNI constantly calling me at my place of employment. First they called for my mother and now calling for me. I dont know what this debt is regarding but they have threatened legal action to my co workers on my behalf and i want this harrassment to stop