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

I was a XXXX XXXX customer between XXXX XXXX and XXXX XXXX. In XXXX XXXX, I discontinued my XXXX. XXXX charged me a {$130.00} " early termination fee '' ( ETF ), alleging that I had agreed to such a fee previously. However, I had never entered into any contract with or agreed to any " early termination '' clause with respect to my XXXX. I asked my bank, XXXX Bank XXXX XXXX, to mediate the dispute. After contacting both sides, XXXX issued me a refund for the {$130.00} that had been erroneously and illegally charged to my account. I naively assumed that the XXXX Bank decision would settle the matter. 

However, XXXX continued to pursue me for this money, even after XXXX Bank resolved the mediation in my favor. XXXX referred this debt to a collection agency, XXXX XXXX, so I filed a complaint with the CFPB ( XXXX ) against XXXX and XXXX XXXX. XXXX responded to the CFPB to state that XXXX had, " closed and recalled this account, '' and, " XXXX XXXX will make no further efforts to contact you. '' However, this adverse item continues to appear on my Equifax credit report. I disputed the adverse item with Equifax and they refused to remove the item from my credit report, even though XXXX XXXX has provided XXXX evidence that this is a legitimate debt. 

I am contacting the CFPB for their assistance in mediating this issue with Equifax, and to help remove this black mark from my credit report.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXXt # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX and XXXX XXXXXXXX Account # 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
Complaint sub-issue: Money was taken from your account on the wrong day or for the wrong amount

On XX/XX/2019 Keybank placed a legal hold in reference to XXXX XXXX XXXX - Account # XXXX  - XXXX XXXX XXXX, XXXX, MI XXXX    (XXXX)XXXX. The above company used fraudulent information in order to convince the XXXX District Court  Case # XXXX - Judge XXXX XXXX XXXX to issue a garnishment against me when I had a legal binding contract with XXXX XXXX XXXX for $XXXX monthly with a balance of $XXXX.The balance in the Key Bank account $XXXX was not my money and in fact it was a deposit by my husband - XXXX XXXX XXXX.  Therefore this transaction is illegal and this money must be returned to my husband - it's rightful owner.
Complaint sub-issue: No notice of investigation status/result

I ASKED THEM TO PROVIDE ME COPIES OF DETAIL LETTER FROM THE CREDITORS FOR ALL THE INQUIRY IN MY ACCOUNT. BUT THEY ARE SAYING ITS VERIFIED.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is refusing to remove  XXXX  accounts on my credit report that do not belong to me. I have personally contacted the creditors at Equifax 's request and they have each individually confirmed my concern that Equifax is reporting someone else 's information on my credit. I am filing this complaint because Equifax is reporting someone else 's accounts on my report and they are refusing to remove these items. The following accounts need to be deleted from my credit report immediately :  XXXX   XXXX  with account number "  XXXX  '' ;   XXXX   XXXX    with account number "  XXXX  '' ; I have never had accounts with these companies and they are telling me that my personal information does not match the details they have for the  XXXX  in their database. This is making things more difficult because since I am not the right  XXXX , it is against their policies to send me additional information about these accounts. I am being given the run around by Equifax and these companies and I feel stuck and do not know what else to do.
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am worn-out of sending dispute letters to Equifax requesting that they correct this mistaken account being stated on my Credit File because they have been doing nothing! This complaint is to follow up on my prior protests and letters I submitted on XX/XX/2022, and to notify them that I am halfway to taking lawful action and litigate Equifax for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the account on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The account that should be adjusted is : XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Investigation took more than 30 days

Ive been seeking validation for derogatory items reported to my credit report since the XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.
Complaint sub-issue: Old information reappears or never goes away

Please remove old bankruptcy from my credit report. 
Public Record Date Filed - XX/XX/2013 Type - Chapter XXXX   Bankruptcy Discharged Court - BK Reference - XXXX
Complaint sub-issue: Account information incorrect

Fed Loan Servicing Company has transferred my Federal Student Loans over to XXXX. Once I consolidated my student Loans, I was told by fed Loan that the loans that they were reporting on my credit report would be deleted and that the Consolidated loan would appear as one large loan. The Individual Loans are still reflecting on all three of my Credit Reports, XXXX, XXXX, XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX ( XXXX ) XXXX collection/charge-off in the amount of {$710.00} date opened XXXX XXXX last activity XXXX XXXX account # XXXX has violated my rights 15 U.S.C 1681 Section 604 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
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX  Account # 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
Complaint sub-issue: Personal information incorrect

My first name is misspelled on my credit report. Also, I 'm listed as currently employed with XXXX XXXX and that is not accurate. I 'm unemployed.
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/2018, Citi notified me of suspected fraud on my credit card. I immediately confirmed for them that a charge to a company I have NEVER done business with, XXXX XXXX, for {$200.00} was FRAUD. Citi immediately closed that card number out and sent me a new card with a new number. Citi did reverse that one fraudulent charge and another, also. Today, XX/XX/XXXX, only 16 days later, I awoke to a text message claiming yet another charge to XXXX XXXX for {$200.00}, was made. After an excruciatingly long call with several customer service reps with heavy foreign accents, I spoke to a supervisor named XXXX, who gave me her rep or code number XXXX. She claims that XXXX XXXX has the ability to change card numbers to a new card number for recurring charges. This proves that both Citi and XXXX obviously did not take any action whatsoever to pursue the CRIMINAL who is using my account to recurrently pay their bill! I have attached my most recent statement, showing the first fraudulent XXXX XXXX charge of XX/XX/XXXX and Citi reversal of this charge.
Complaint sub-issue: Having problems with customer service

Discover Student loans purchased loans I had originally taken out with XXXX. I have not missed a payment since I 've started paying on them. They have published list of criteria to qualify for cosigner release. First that you loan is a prior XXXX loan, next that you are XXXX, that you are a US Citizen, that you 've made the requisite amount of consecutive monthly payments on time ( which I did ), that you make more than {$1500.00} in gross monthly income ( I make {$10000.00} ), and that you have satisfactory credit ( they said the score they pulled for me was XXXX ). I applied for cosigner release and was denied a couple days later. I was told my income was too low. I followed up with Discover and they said the reason for the denial was that I did not provide proof of income. I followed up and provided the requisite information even though they do not specify on their release application that that information was necessary. I was denied again XXXX day later, again because they said my income was too low. I contacted them but was not able to get a clear answer on why I was having the same issue. I thought having a cosigner released would be easier than consolidating. I was able to get a consolidation loan within a half hour, with better rates. I will never use Discover again.
Complaint sub-issue: Contacted you after you asked them to stop

NB Group has repeatedly contacted me and other fellow family members harassing to collect a fraudent debt that I never owed or attempted any payday loan in the past. They are claim without any physical original contract with my signature a debt they claim I owe a Payday loan which I have never attempted in my life a payday loan. They left voice messages after voice messages with me even after being told to CEASE and DESIST contacting me, XXXX and other at this office XXXX stated they can continue on calling me regardless I told them this was against the federal law. I reminded them today as of XX/XX/XXXX I will be filing a complaint with the CFPB. They need to provide physical proof of my signature and a original contract as I know this is fraud. They claim this happened back in XX/XX/XXXX, which there was identity theft and my personal information was stolen. I have police reports and including and up to my XXXX XXXX being reported my identity was stolen from XX/XX/XXXX through XX/XX/XXXX. This company NP Group has violated my rights and continue to harass me and others on their list of automated calls as other family members are being harassed as well.
Complaint sub-issue: Trouble with how payments are being handled

Fed loan servicing is a complete scam. After enrolling in part-time XXXX  school they automatically make changes to my account to set to deferment. No one should be making changes for my account other than myself, if I wanted to enter deferment I would have. On top of this, I was eligible for the deferment back in XXXX but it did not actually kick in until a few days before my loan should be paid in XXXX. After being notified by Fed loan of the deferment I received multiple emails that I should still pay, yet they make it impossible to take my loans out of deferment. After spending 30 minutes I finally was able to reach through to an actual person who informed me I must now fill out a form. The only place this form is found is before logging into your account at the bottom of their web page in small writing. AKA where no one will look. After that you must submit this form, they give plenty of options to submit for deferment and avoiding the loans, but force the form to get out of deferment to fall into the other category. This category, of course, takes longer because it does not give a defined path to a representative. While on the phone I also asked about the ability to target higher interest loans with extra payments because my employer also helps with my loans. Apparently you can only target higher loans with single payments, not auto payments. Now not only did they mess up my loan statues but have also messed up my employer 's contributions. Every single procedure and step about this company is designed to make you pay more and keep you as long as they can. They send emails to say look what we can do to help and then give a complete run around that often makes things worse.
Complaint sub-issue: Their investigation did not fix an error on your report

EQUIFAX CONTINUES TO FASLEY STATE THEY HAVE NOT RECEIVED REQUIRED DOCUMENTS ACCORDING TO FCRA XXXX XXXX I HAVE SENT PROOF OF DOCUMENTS AND TRACKING NUMBER IN PREVIOUS CFPB COMPLAINT WITH EQUIFAX AND THEY CONTINUE TO WILLFUL NON-COMPLIANCE AND DEFAMATION OF MY CHARACTER ALONG WITH FURTHER DAMAGING MY CREDIT REPORT. I HAVE PROOF EQUIFAX FALSELY STATING THEY HAVEN'T RECIEVED MY DOCUMENTS IN THEIR LETTER I HAVE RECIEVED ON XX/XX/2022. I HAVE RESULTS THEY HAVE GIVING ME OF PREVIOUS DISPUTE RESULTS OF THEM RECEIVE MY POLICE REPORT AND FTC IDENTITY THEFT REPORT FOR EQUIFAX HAS REMOVED SOME BUT NOT ALLLLL FRAUDULENT ITEMS WHICH WAS REQUESTED NOW EQUIFAX REFUSE TO SEND ME PROOF OF AUTHORIZATION/WRITTEN INSTRUCTIONS FOR THIS FRAUDULENT ACCOUNT WITH XXXX  XXXX. EQUIFAX CONTINUES TO VIOLATE MY RIGHTS TO PRIVACY AND DISHONOR FCRA 605B AND NOT PROPERLY INVESTIGATION AND BLOCKING AMD DELETING ITEM ACCORDING TO SECTION 605B SO THIS WILL BE PROOF OF DEFAMATION OF CHARACTER, WILLFUL NON-COMPLIANCE, AND DAMAGING MY LIVELIHOOD DUE TO ENABLEMENT OF THIS FRAUDULENT ITEM AMD WILL BE PRINTED OUT AND USED FOR REMEDY AND PROOF FOR YOUR DAMAGES AND VIOLATIONS AFTER RECEIVING THIS REQUEST.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act U.S. Department of Education Account XXXX, U.S. Department of Education Account XXXX, XXXX XXXX Account XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  Account 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
Complaint sub-issue: Their investigation did not fix an error on your report

I was a victim of identity theft and filed all of the necessary paperwork including the police report. I sent the paperwork to the credit bureaus and they removed the item from my credit reports. Subsequently, a collection agency bought the debt and attempted to collect on it as well as placed it on all of my credit reports after it had already been removed. So, I sent them a letter with the documentation showing that this was an identity theft item and as per the law, they should not attempt to report or collect on it. Once again, I had to send the credit bureaus documentation for it to be removed. I have been successful at having the item removed from XXXX  and XXXX, but Equifax refuses to do so. This is a clear violation of the law and I need your assistance in having Equifax rectify this problem and remove the item from my report.
Complaint sub-issue: Reporting company used your report improperly

Company is reporting aggravated identity theft. The company also hasn't paid my invoice sent to them for violations
Complaint sub-issue: Personal information incorrect

DATE XXXX NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Dear Equifax Please be advised that you are reporting the wrong address information on my credit report. I am in the process of a new loan transaction and the error is causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. 
My current address is : XXXX XXXX XXXX XXXX NC XXXX Previous address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX Wyoming Please remove the following address ( es ) from my report as they do not belong to me and are being reported in error : Wrong Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX I have included proof of my current address, and proof of my social security number for your review. I will await an updated copy of my credit report to reflect these changes. 
Thanking you in advance.
Complaint sub-issue: Their investigation did not fix an error on your report

I am XXXX XXXX and I am submitting this complaint myself. These items are reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about this complaint. 

( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX )
Complaint sub-issue: Information belongs to someone else

There are several unauthorized inquiries reporting on my credit file. Please assist me in getting the following inquiries removed from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( 2 Times ) XXXX XXXX XXXX XXXX ( 2 Times )
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

In XX/XX/XXXX, I closed my Citibank AAdvantage credit card account, having paid the outstanding balance and a {$25.00} late fee as I had missed one monthly statement. Shortly thereafter I received a statement from Citibank, noting the payment but posting a new charge of {$6.00} for " interest charged to standard purchases ''. I called Citibank on XX/XX/XXXX and spoke to a service representative who could not explain why the interest had been charged, BUT denied my request to have it removed from my account. She put me on hold to find a supervisor, but that person could not explain the charge either, nor would they remove the charge. We ended the call, unsatisfied! Since then I have received daily robo calls from a collection agency claiming to be Citibank, leaving a callback number and personal code " to retrieve your message ''. I called once, but there is no option to speak to a human, just a bot which demands personal information - which I am not going to share with a computerized system. These calls are aggravating and a waste of time on all sides.
Complaint sub-issue: Deposits and withdrawals

On XX/XX/2021, my husband XXXX XXXX was approved by XXXX XXXX for 2 loan, 1 of XXXX and the Second of XXXX XXXX that was made in 2 deposits and both were deposited to the Citibank Account, when we went to the Citibank branch of XXXX XXXX to withdraw cash. XXXX XXXX asked to identify ourselves, so we did, after more than 25 minutes of not having a response from them, we left the Bank, later we try to withdraw money from the bank and they told me my account was blocked, I went to the branch located on XXXX, in XXXX XXXX, CA. they told me the account is going to be closed they did not explain why they just said you are going to receive a letter explaining why. My husband and I call customer service to know the reasons why they closed it, they did not said why this person was very rude We asked for information about the money that was in the Account, and they only told us that they would send us a letter explaining everything and that they would send us the money by check. 

From the month of XX/XX/2021 to date XX/XX/XXXX, and after several visits and calls to Costumer Service of Citibank have not given us an answer about the destination of the XXXX loan, they only indicate that as soon as they have a response, they will contact us. 

The last thing we knew was that the Account was put in Hold for fraud, which does not exist. They did not proved we committed any fraud since the beginning we identified ourselves and they themselves verified calling XXXX. We explain about that the loan, my husband XXXX XXXX met all the requirements for the XXXX loan. to be a creditor to this loan he met all the requirements for this loan application. 
From XXXX to this date my husband has been checking with XXXX if the money has already been returned to them to be redistributed to the new Bank Account, however the response has been that Citibank has not returned the money to them. Nor have they returned to us, and we don't have any statement or notice about this XXXX For this situation I ask you to be so kind to be able to help us solve this situation since the lack and refusal of responses from the bank indicate that they can act with all impunity and not give a response.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I disputed a charge with Citi Executive MC in the amount of {$2200.00} on XX/XX/2021. The charge was for dental veneers from the office of XXXX XXXX XXXX XXXX, XXXX, FL. I paid for XXXX dental veneers from XXXX XXXX and his assistant provided negligent work which XXXX XXXX refused to redo without full repayment. I was forced to have the negligent work removed and redone by another dentist, XXXX XXXX XXXX XXXX, XXXX, FL for {$2400.00} and this charge is reflected on the same credit card. 

Citi found in favor of the dentist despite letters from the new dentist stating the work from the XXXX XXXX 's office was negligent and was causing and would continue to cause worsening health problems. I appealed their findings and Citi found in favor of the XXXX XXXX 's office once again stating the " XXXX XXXX provided the work '' and therefore I have no grounds for a dispute. I vehemently disagree. I paid for XXXX dental veneers which were seated ( cemented in ) negligently. They needed to be removed and replaced, which XXXX XXXX refused to do, and therefore he did not provide the service I paid for. 

I escalated my dispute to Citi 's ERU ( Executive response ) team and this morning received a letter with multiple typos, several grammatical errors, and misuses of context as well as misinformation all through the letter stating that they " respectfully decline to issue a credit '' once again. 

I have filed a complaint against the Florida Board of Health against the dental office and know that the assistant is facing disciplinary action for performing work she is not licensed to perform regarding my treatment and XXXX XXXX XXXX also be facing disciplinary action, as well, because their investigation is ongoing, but why Citi continues to make me pay for botched dental work, just because the dentist has responded to their inquiry that he preformed the work, is troubling. 

I want the full amount of the charge from XXXX XXXX XXXX of {$2200.00} credited to my account.
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous month, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you XXXX more chance to delete your errors and remove my records. Please take off the accounts, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX account # 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 also states a consumer reporting agency can not furnish an account without my written instructions.