Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Was not notified of investigation status or results

I understand that with covid going on that things have slowed up. I have file disputes and still have not received anything. It's has been past the 30 days limit.
Complaint sub-issue: Was not notified of investigation status or results

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately
Complaint sub-issue: Problem with customer service

On XX/XX/2020, I contacted Citi ( Best Buy VISA ) customer service via secured message to inform them of expected travel dates. And automated response was sent back saying that their Fraud Department needed to be contacted via telephone. I then inquired as to why a customer is required to call in ( considering the time and effort needed in order to speak to a representative ). I have sent two separate, secured messages and Citi ( Best Buy VISA ) has refused to communicate with me with regard to this inquiry. If I leave, as scheduled next week, I feel this company will purposely impose a freeze on my card, that will result in my inability to access my good standing account. I request your office 's assistance in getting this matter resolved, as I believe that I have communicated adequately and securely with this company only to be ignored. Thank you for you consideration of this complaint.
Complaint sub-issue: Can't get other flexible options for repaying your loan

I graduated from the XXXX XXXX XXXX in XXXX. When I left college, I had {$11000.00} in debt. Pursuing an artistic career, I took a series of low-paying jobs, and only paid the minimum amount on my loan. When financial problems surfaced, I would take forbearances. But -- I did make payments. Though I have found the history of my loans on the Federal Student Aid page, I can not find a record of my payments. Do you know where I might get this information? My loan was sold twice -- once to XXXX in XX/XX/XXXX, then to Great Lakes in XX/XX/XXXX. Though I have made many payments throughout the years, my loan has metastasized from {$11000.00} to XXXX, not including the interest, which totals {$8100.00}. I admit that in my XXXX I was not diligent about understanding what I was signing up for. Now, even though I make a solid income, I still run into financial difficulties now and then -- recently, my mother became sick and XXXX XXXX, necessitating a great deal of travel for me. While I pay down that travel debt, I am not making payments on my loans. I despair of ever being able to pay them in full, and question whether that jump from {$11000.00} to {$69000.00} is a legitimate debt. I am attaching the documents I found on the Federal Student Aid page. Is there any recourse? Thank you for reading.
Complaint sub-issue: Problem getting my free annual report

XXXX is in fact NOT complying with the FCRA. And the FTC just looks the other way. 
It is OBVIOUS that XXXX does not want to give you a free credit report. The web barriers are very difficult to surmount, so most people give up and pay money, as XXXX wants. They say I have already received a free report within a year, so I am not eligible. But I did not. They ask very picky and detailed questions, which are unnecessary and often impossible to answer. They say " unable to complete your request '' with no reason. Their XXXX character recognition system rejects most anything you enter. They reject you for any of the above and you have to start over or worse they say you are disqualified. They say you have to apply by mail. I got their form and filled it out and sent it back. They never replied. 

So in desperation I paid them for a report. Then I found in the fine print on the very last web option, that now I was a " member '' and they would charge me {$25.00} additional every month. I never signed up for that and it is a complete ripoff. I had to call them to complain, and then they offered me half price to remain a member if I agreed to stay on for 5 years. THIS IS ALL A COMPLETE SCAM!!! 

The best evidence I can give you is just try it yourself. Any reasonable person would conclude as I have that their web pages do NOT constitute de facto compliance with the FCRA. They are deliberately designed to just male money for themselves, and not serve the public.
Complaint sub-issue: Account information incorrect

I have a XXXX XXXX account. The last four of my SSN is XXXX. 

On XX/XX/XXXX I paid my credit account off and on XX/XX/XXXX the account was updated on my Equifax credit report to show a {$0.00} balance. However, on XX/XX/XXXX, XXXX XXXX updated my credit report account again to show a {$2100.00} balance, which is incorrect. I contacted XXXX XXXX to ask them why they changed the information and they simply told me I needed to wait until XX/XX/XXXX for the information to update again. This is unacceptable. I asked them to correct an error and they refuse to do so. 

I am trying to close on a line of credit for my business, and their mistake dropped my credit report score by over XXXX points. 

This issue needs to be addressed.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX XXXX XXXX $ and XXXX XXXX XXXX XXXX XXXX XXXX $ Are paid in full. Get them off of my credit report! 

NONE OF THEM ARE JOINT ACCOUNTS!
Complaint sub-issue: Personal information incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Complaint sub-issue: Personal information incorrect

I tried to have a wrong address removed through your website, however Equifax removed 5 CORRECT addresses I had resided in for almost 5 years OR MORE ERRONEOUSLY ... 
I NEVER ASKED IN MY COMPLAINT REMOVAL OF FIVE OF THESE ADDRESSES ... 
PUZZLED AS HOW AND WHERE FROM THEY GOT THE IDEA AND TOOK THE INITIATIVE OR RIGHT TO DO SO. I HAD ASKED THAT THEY REMOVE ONLY THE XXXX ADDRESS, AND THAT THEY RE-INCLUDE ANOTHER ADDRESS ON XXXX THEY HAD REMOVED ERRONEOUSLY WHEN IN 2018 I HAD TRIED TO REMOVE ANOTHER ADDRESS THAT DID NOT BELONG TO ME ... SO ONCE AGAIN, THIS TIME AROUND THEY REMOVED 5 CORRECT ADDRESSES INSTEAD OF 1, IN 2018 AGAIN ERRONEOUSLY. ( I ASKED EQUIFAX TO CORRECT, REINCLUDE THE ADDRESS IN 2018, I WAS PROMISED, GOT THE CONFIRMATION, IT WAS NOT INCLUDED IN CURRENT REPORT ). 
SO I AM DEEPLY CONCERNED FOR MY CREDIT REPORTS HISTORY GENERATED BASED ON ALL THESE ERRONEOUS ACTIONS. WHY IS IT SOOOO HARD, DIFFICULT TO GET A SIMPLE PROCESS OF REMOVING A WRONG ADDRESS, WHY DO THEY BECOME MORE CREATIVE AND DELETE THE CORREC ADDRESSES? HOW CAN WE TRUST A COMPANY ON ANY OF OUR PERSONAL INFORMATION? I GET DAILY BASIS PROMOTIONALS TO BUY THEIR SERVICES ... BASED ON THESE EXPERIENCES I AM ALMOST CONCERNED ABOUT ANY OF MY PERSONAL INFORMATION IN THEIR POSSESSION ...
Complaint sub-issue: Funds not handled or disbursed as instructed

We set up a square account for our business to accept card payments. The square account was set up XX/XX/XXXX. The first payment from a client was XX/XX/XXXX. We has no issues with square transferring our money into our bank account at XXXX XXXXXXXX XXXX. All transfers from square were made the next day into our business checking account. At the end of XX/XX/XXXX we realized the last deposit from square that entered our account was from XX/XX/XXXX. We contacted square to see where our missing XXXX and XX/XX/XXXX deposits were. Square put a hold on our account. They asked us to submit documentation to verify our bank account information. On XX/XX/XXXX we submitted our last three months of bank statements to square from our XXXX XXXXXXXX XXXX  account. On XX/XX/XXXX we received an email from square stating our account with them had been deactivated. At that point in time we believed {$31000.00} was being held by square. Square stated in the deactivation email from XX/XX/XXXX that our funds would be transferred in two business dates making that date XX/XX/XXXX. No transfers were received on XX/XX/XXXX. Multiple attempts between XX/XX/XXXX and XX/XX/XXXX were made to square on why it was deactivated and when we would receive our funds. On Monday XX/XX/XXXX we discovered another bank account was linked to our square. It was a XXXX XXXX XXXXXXXX account. We saw that we had {$17000.00} available to transfer into our bank account. We were manually able to re-enter our information for XXXX XXXX. We received a conformation email stating that the account was changed and the {$17000.00} was successfully transferred into our XXXX XXXX account. We never received an email when it was changed from the XXXX XXXX bank to the XXXX XXXX XXXXXXXX. As for the other {$13000.00} it was transferred into the XXXX XXXX XXXXXXXX account on two different instant transfers. All previous transfer were 1 to 2 business days never instant. The first instant transfer was made on XX/XX/XXXX for the amount of {$7900.00} and the second instant transfer being on XX/XX/XXXX for {$5500.00}. Fraudulent claims have been made to XXXX XXXX XXXXXXXX, a police report has been filed, a report with the FBI has been filed and a complaint to the FDIC. No one at square has contacted us back and we continue to make several attempts daily to contact them.
Complaint sub-issue: Cashing a check

My full name is : XXXX XXXX XXXX XXXX XXXX. | BACKGROUND : On XXXX XX/XX/2021, Citibank closed my checking and savings account and issued a check for the remaining balance of {$8800.00}. | ISSUE : The name on the check was listed as " XXXX XXXX XXXX XXXX ''. I tried to deposit the check with XXXX XXXX  ( my current bank ). XXXX refused to deposit it because the name didn't match exactly the name on my XXXX account. I tried to deposit it in my daughter 's account at XXXX. XXXX refused to cash the check, retained the original check, and provided only a photo copy of the check. I have contacted Citibank to void the original check and reissue the full refund with my full name. Citibank refuses, on the grounds that I no longer has an active checking/savings account with them. | REQUEST : I request that Citibank reissues the check for the full amount of {$8800.00}, listing my name as " XXXX XXXX XXXX '' | ATTACHED DOCUMENTS : ( 1 ) Copy of the check ( photo copy ) ( 2 ) Copy of the check ( digital ) ( 3 ) Copy of last Citibank statement ( 4 ) Copy of California drivers license ( 5 ) Copy of XXXX XXXX  ( 6 ) Copy of XXXX XXXX XXXX
Complaint sub-issue: Problem accessing account

I called the phone number listed on my XXXX XXXX XXXX : XXXX minimum six times between late XX/XX/XXXX and XX/XX/XXXX. I tried several ways to get a live rep. One was hit # 3 On my phone-Lost or Stolen. Another was hit 0. Got no one. Recorded message : " We are having a higher volume than usual. Please try to call back later. '' the other : Sorry, We are having technical problems. 

XXXX XX/XX/XXXX, my XXXX debit card was stolen on a bus at the Downtown XXXX bus station. The thief used that card for five transactions in three places.He/ she spent {$68.00} on my card. Also stolen was my XXXX XXXX XXXX on which direct Social Security payments are loaded automatically each month. That day, I called the direct number to report a card stolen and got no one live to talk to, nor a message giving instructions what to do to cancel the card. After 69 minutes, I got hung up on. 

This is serious. Not only has the thief probably been using the XXXX XXXX MasterCard, my roommate may also be using it. He does not have the card. He has all the info needed to make purchases online or by phone. In XX/XX/XXXX, I gave him that info to pay a past due phone bill. The only time I got someone live was putting in XXXX. A lady said, " Comerica Bank. '' A rep said Comerica Bank did not handle transactions on XXXX XXXX cards.
Complaint sub-issue: Debt was result of identity theft

I received a letter from a lawyer 's office regarding a credit card debt. The creditor is Discover Bank. I reported this account to the creditor and the credit bureau as a fraudulent account that I did not make. I stated that the account was applied and made by identity theft. 
Once I discovered the account 's existence, I reported a police report with an FTC identity theft report. Also, I requested proper verification to be processed for the fraudulent credit card account. 
Unfortunately, the credit did not provide any documents to me suggesting that I applied and used the account. The only documents I received were monthly statements of the fraudulent accounts. 
I requested a specific document, which was a written contract/agreement that was made between me and the discover bank. 

I do not understand how Discover bank can sell this fraudulent account to the collection agency when they clearly failed to conduct a proper verification process of this fraudulent account. 

Also, the date XXXX and XXXX posted on the upcoming lawsuit is XX/XX/XXXX and stated that I must reply back within 30 days. I only received the letter today, which is XX/XX/2021. I know by law I have 30 days to respond back to them, but I only received the letter today. 

XXXX and XXXX are playing games with me in order for them to not to provide any verifiable documents to me.
Complaint sub-issue: Was not notified of investigation status or results

XXXX  : You've CLOSED these complaints THREE TIMES IN A ROW, WITHOUT properly vetting, verifying and reporting any final outcome : THAT'S AGAINST THE Fair Credit Reporting Act!!! Plus : I've SPECIFICALLY ASKED YOU NOT TO CLOSE THIS COMPLAINT, NOR the other two before this. I will be forwarding THIS too, to my counsil, your operations department at you headquarters, and social/non social media. Your FTC case number is : XXXX EQUIFAX : Last week I filed a formal complaint through your escalations team ( XXXX XXXX ) at your CORPORATE OFFICE. Why you've closed this complaint BEFORE they've reached THEIR findings, is beyond me. You probably didn't even know that a formal complaint was filed at corporate??? ... I also filed your inability to remove things that are NOT mine, INCLUDING an UNATHORIZED UNDISCLOSED PERS ON on my credit report, that PROHIBITS YOU from removing any UNAUTHORIZED persons or things ( like fifty inquiries from the year 2020 XXXX doesn't even make sense to a child!!! I've also filed a report with the FTC about you : XXXX. So : 'YES ' ( Equifax XXXX YOU DO HAVE MY PERMISSION TO INVESTIGATE AND ERASE ANY PERSON 'S NAME REQUESTING AN INQUIRY, OTHER THAN MYSELF : XXXX XXXX XXXX Or if it's without the hyphen ( dash XXXX it'll be : XXXX XXXX ( with both last names ran together XXXX. You're continuing to break the LAW allowing for ANYONE other than myself to even be ON MY CREDIT REPORT!!! 

TransUnion : Thank you for investigating all the year 's 2020 inquiries. Thank you for not only abiding by my wishes, but for doing your best to UPHOLD THE LAW!!! You were NOT reported to the FTC. Nor were you reported to any of your corporate offices.
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 months, 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 one more chance to correct your errors and delete my records. Please delete the accounts, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to delete the accounts listed below : XXXX XXXXXXXX XXXX XXXXXXXX Opened Date XX/XX/XXXX Balance {$0.00}, XXXX XXXX AXXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}
Complaint sub-issue: Their investigation did not fix an error on your report

Dear XXXX XXXX Acct # XXXX ; How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on my credit report and {$18000.00} balance for this account from XXXX XXXX. I got into a car accident a couple of months ago and my insurance and gap insurance said that they already paid off this debt. So why is it still reporting delinquent remarks and inconsistent with the data. You continue to report incorrect, inaccurate, and erroneous information and i want this deleted from my credit effective now. It's my understanding that you are required to keep valid, and 100 % accurate information about me into your system, but i can tell you that you're wrong and unverifiable information because i'm not liable for this account. Delete now
Complaint sub-issue: Didn't receive enough information to verify debt

THE BUREAUS INC failed to validate a debt at my request, which is a FDCPA violation, and continued to report a disputed debt to the Credit Bureaus : another FCRA violation! Not only have they ignored my prior requests for validation of debt, but they continue to report this debt to the credit bureaus causing damage to my character.
Complaint sub-issue: Didn't receive enough information to verify debt

Company is reporting this on my credit report to Credit Bureaus XXXX XXXX and XXXX. They have not provided me with any information to verify this was my debt. I never heard of this company and I do not owe any debt to this company.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the items on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reported items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that needs to be investigated and corrected : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date XXXX inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Complaint sub-issue: Account status incorrect

Equifax should not be reporting me as an authorized user on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bureau to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Complaint sub-issue: Debt was result of identity theft

I had my credit frozen XXXX, in fact there was to be no further loans made on my SSN # due to over $ XXXX in fraudulent charges, credit cards, and loans made in my name of which I did not persue. In fact between XXXX & XXXX my credit score went from XXXX to under XXXX. When I reported the fraud, all major credit reporting agencies locked down my SSN & forced a statement to any person or company looking up my name for a potential loan. I have notified this law firm of these facts, but The company continues to provide me with what appears to be digital signatures on contracts originating from a city I do not/did not live in as evidence to support their claim that I am still going to be held responsible for the debt ( regardless of the fact that I did not initiate any such transaction ). This firm appears to be XXXX bent on collecting this debt from me rather than trying to find the person ( s ) responsible for causing their client to make a loan under false pretenses and identity. Add this all up and this is indeed makes the firm just as culpible for damages inflicted upon me in a counter suit which I do not intend to file/nor do I wish to file at this time but will not hesitate if these attempts to collect on a fraud debt do not stop : for the actions taken by the company who issued a loan in my name without my permission to a person who is not me & whom I have no knowledge of who they are ; the company took no action that I have seen to confirm the legitimacy of this particular applicant and collecting it from me as an illegitimate way to somehow offset their losses for questionable and highly suspicious business practices the collector hired this firm operating on with what appears to be the sole pursuit of collecting funds from a victim. One who has bent over backwards to accommodate ; honestly I just want this never ending story of fraud and questionable collection methods to end. Please stop treating me like a scumbag who deserves this constant barrage of intimidation and threat. Im just a guy trying to pick up the pieces and move on.
Complaint sub-issue: Trouble with how payments are handled

I have sent multiple requests to myfedloan.org to tell them how I would like my additional payments to be processed. I have been paying extra every month, and want the highest interest loans to be paid first - duh! Well after 2 months of requesting to apply my extra payments to principal, and 2 months of my payments being applied in the same way that they always have, I 'm losing confidence in them. I have saved my email correspondence with myfedloan.org ( though, they have never personally responded -- I only get canned, automated responses ). they are costing me thousands in interest, and I want to get this resolved as soon as possible.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair reporting credit act XXXX XXXX account number 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 604 A - section 2 also states I consumer reported XXXX  Can not report an account without my Written instruction or consent to do so.
Complaint sub-issue: Account status incorrect

Second attempt. Last month I wrote Fedloan to request that remove late payment from my credit report on XX/XX/XXXX that was reported inaccurate. The company stated it was correct, which it wasnt. They lied and said they tried contacting and mailing documents stating that my account was in collection in XXXX, which is another lie. I never received a call from XXXX, and I contact XXXX in XX/XX/XXXX requesting forebearance and deferment, the rep that I spoke with told me it was granted. So the fact that you have customer service rep lying about putting people on deferment is sickening. I also sent a goodwill to this company, but they dont seem to care about their customer report, or try to work their customer service, nor do they want to fix their error. Again we are only talking about XX/XX/XXXX. You dont need to go into XXXX or the past