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

I settled this credit card for less than the full amount due 12 months before my bankruptcy. The card was through XXXX. I have only ever had XXXX card through XXXX. EquiFax reports it as included in bankruptcy, other agencies do not. I created a dispute and their response was that the creditor verified the information was correct. I then called EquiFax , created a phone dispute and faxed them the letter from the law firm stating the account was settled for less than the balance owed. That was XXXX XXXX. On XXXX XXXX, I got back the exact same response, that the creditor had verified that the information on file with EquiFax is correct. The last XXXX of the account on record with EquiFax and the last XXXX of the account settled do not match. I believe this is because at some point XXXX canceled the program my card was attached to ( XXXX XXXX card ) and reissued it under program. However, I have only ever had the XXXX account with XXXX. Attached is the latest ruling from EquiFax and the letter from the lawyer after I made the settlement payment.
Complaint sub-issue: Banking errors

BB & T closed my bank accounts in retaliation after I complained about an unauthorized transaction. I want supposed to receive a provisional credit of {$250.00} which includes the unauthorized amount plus all of the return check fees that BB & T caused even though I had advised them that I didnt authorize this transaction. I was given a credit of {$110.00} only on one checking account. On my second checking account I made three transactions in which the amount was immediately taken from my account and as per this bank the charges were still pending although the money was already removed from my bank account. When I called in about the 2nd checking account being overdraft and me feeling that this bank was purposely charging me overdraft fees probably an hour later all of my accounts was frozen, never receiving all of my credits that was owed to me plus my direct deposit posted today XX/XX/XXXX and they kept that money also. So Im all from checking account one : {$91.00} was taken, {$47.00} was taken, {$76.00} was taken. From second checking account I was given 3 fees that no one can really justify and for my savings account : {$230.00} was held by BB & T.
Complaint sub-issue: Information belongs to someone else

CFPB Write up XXXX accordance with the Fair Credit Reporting act 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: Information belongs to someone else

The items listed below are reporting on my personal credit file and were found in my reports with Equifax and XXXX XXXX XXXX XXXX. I request that CREDIT BUREAUS initiate an investigation into the following inquiries and inaccurate information listed on my credit report, once their investigation is complete, find my allegation to be true, please remove these items as soon as possible : 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 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 XXXXXXXX XX/XX/XXXX.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

On XX/XX/XXXX, XXXX, XXXX, my card kept declining as I was trying to purchase food for the amount of XXXX dollars. So I called the company and the company kept lying to me about resolving the issue.
Complaint sub-issue: Personal information incorrect

I have previously requested that the credit bureaus delete the following addresses that are reflected on my credit report. They have each responded that the addresses had been previously deleted ; however, when I retrieved my most recent credit report on XX/XX/18, the addresses are still being reflected. I have also requested that the alias ' be removed from my credit reports, yet the bureaus continue to report them. This is a violation of my consumer rights under the FCRA. I am again disputing the following alias ' and addresses for them to be removed from my credit reports : XXXX : *Delete XXXX XXXX & XXXX XXXX XXXX *Delete addresses : XXXX XXXX XXXX. XXXX, XXXX, FL XXXX *Delete address : XXXX XXXX XXXX, XXXX, FL XXXX ( These addresses do not belong to me ) Equifax : XXXXUpdate name to XXXX XXXX XXXXDelete XXXX XXXX XXXX XXXXDelete address XXXX XXXX XXXX, XXXX, FL XXXX XXXX  : *Update name to XXXX XXXX *Delete XXXX XXXX XXXX *Delete XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX *Delete XXXX, XXXX, XXXX *Delete address : XXXX XXXX XXXX  XXXX, XXXX, FL XXXX *Delete address : XXXX XXXX XXXX. XXXX, XXXX, FL XXXX
Complaint sub-issue: Information belongs to someone else

I have continually tried disputing accounts on my credit reports with XXXX, XXXX and equifax. I have filed police reports and submitted them and they refuse to investigate the information accurately including providing signed contracts verifying who opened these accounts. Theyve also refused to update information with the right balances. 

Below is a detailed outline of accounts that Ive tried to rectify. 

XXXX XXXX {$490.00} XXXX  XXXX {$810.00} XXXX XXXX {$320.00} XXXX XXXX {$1200.00} XXXX XXXX  {$320.00} XXXX XXXX XXXX ( XXXX XXXX )
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

A Fedloan official called to remind me of a payment on XX/XX/XXXX, and I made a payment right away. The rep assured me that my account would be current if I made the payment on XX/XX/XXXX. Then, the rep asked about forbearance, and I informed him that I needed the take to my husband ( we just moved to new york, and we both started new jobs ). However, the rep put my account into forbearance without my permission. I made two payments ( one on the XX/XX/XXXX and the other on XX/XX/XXXX ), but it was still negatively reported. Please allow my credit report to reflect that I am current with my payment.
Complaint sub-issue: Problem with customer service

Fed Loan Servicing told me that with my newest XXXX hr a week job, I could get a second qualifying job and that would make me eligible to continue the Public Loan Service Forgiveness program. Today they sent to me a letter claiming my job ( s ) are not eligible, when both are non-profit and eligible companies, and combined also make me eligible.
Complaint sub-issue: Account information incorrect

XXXX/Utah XXXX # XXXX is reporting lates in XX/XX/18, XX/XX/18 and XX/XX/18 that I should not have. I had paid this online and it showed that it went through when I did so, I did not know that the payments were not going through until I had my credit pulled and saw all the lates on my credit report. These lates are not my fault and they need to be removed off of my credit.
Complaint sub-issue: Indicated you were committing crime by not paying debt

I took out a personal loan from XXXX XXXX XXXX XXXX XXXX based in XXXX, GA. I fell behind on the loan. I was unaware that XXXX XXXX XXXX had assigned out my loan to a company named CU Recovery until I contacted XXXX XXXX XXXX to ask about sending  payments. After the call with XXXX XXXX, almost immediately, my brother and my elderly mother, both who live in other states from me, started to get very threatening messages on their cellular phones from a company purporting itself to be " XXXX XXXX XXXX '' and stating that I had a " Civil Complaint Filing '' in XXXX County Tennessee. On both messages the man left his name as XXXX XXXX along with the number XXXX. 

When I called the number the receptionist answered the phone CU Recovery. 

They violated the FDCPA by misrepresenting who they were and also by misrepresenting the nature of the debt by claiming it was a 'Civil Complaint Filing '' which sounds like a lawsuit. 

This was intentional. 

Also, this company had my phone number but they chose to not call me and to instead call and harass my family members whose names were on my credit union account as emergency contacts. 

This was done to intimidate and humiliate me. 

When I spoke to this company they verified that they were calling on my credit union account. But then they shut down and refused to identify themselves when I asked again. Because I was still perplexed as to why they would leave another companies name on the voicemails. 

I had to contact the credit union that stated it was CU Recovery that  had my account and on hearing what this company was doing.. the  credit union pulled my account from them and it's back with the credit union . 

I filed other complaints with the XXXX  about their tactics and CU Recovery LIED to the XXXX  and said they did not leave XXXX XXXX XXXX or use that name. But they did. The number left for me to call went back to CU Recovery and the credit union confirmed they were the ones with the account and indeed they tried to collect on the account. The account was only with their agency and no other before being pulled back. 

The company, XXXX XXXX XXXX, is a FAKE COMPANY, created by CU Recovery - that allows them to contact and harass the family members of debt holders with anonymity.
Complaint sub-issue: Don't agree with fees charged

I applied for XXXX loan forgiveness two years ago and was denied. I was upset and let it be for awhile. This summer ( two years later ) I looked back into XXXX loan forgiveness and called the loan provider. We figured out that I was denied because of a misspelling of my schools name on the XXXX XXXX. My loan provider told me to reapply with the misspelled name and about a month later I was granted XXXX loan forgiveness! So I, myself, did indeed meet the criteria to have my loans forgiven two years ago. I have been trying to get reimbursed for the two years I was wrongfully paying. The loan provider did a ombudsmen report and says they will not reimburse me.
Complaint sub-issue: Their investigation did not fix an error on your report

I contacted Equifax initially some time in XXXX, advising that I did not recall opening an account with XXXX/XXXX XXXX which is listed on my credit report. I received a notice advising that the account was accurate. In XX/XX/XXXX, I sent another letter requesting information regarding this validation that was done. In response, Equifax sent me a letter stating that the account was investigated and proven accurate. Shortly after that, I received another notice stating the account was listed as " not specified '' That's not what I asked for. The creditor in questions is currently being sued by my state attorney generals office for predatory business practices. As requested, I need the physical proof that I had business with the company.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XXXX XXXX XXXX I purchased an XXXX  online, using my Citi card, The XXXX  was never delivered and the merchant wouldn't respond to emails.I filed a dispute with Citi, which was denied. I found that their customer service agent erroneously filed it as a cancellation, not non delivery. I have waited on hold for hours, and spoken to them 7 different times. They re nice enough on the phone, but keep responding in writing that they ' re denying my claim due to conflicting information ( THEIR MISTAKE, NOT MINE ) and that I need to contact the merchant, who, as they know, doesn't respond to my emails. ) Citi states that the merchant claims that he sent XXXX  but " can't provide '' documentation or proof. I am XXXX  and need the XXXX  to get around. My card was charged, but product not delivered. Please help.
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

As someone who has used XXXX XXXX, my data is at risk in the recent Equifax security breach. 

I checked their website and confirmed that my data had been potentially compromised. 

I consider this a massive breach of trust that is totally unacceptable for such a large organization with such great responsibility for personal data. 

I am making this report to indicate my rage and dissatisfaction with Equifax 's broken promise to protect the data of thousands of consumers, including myself.
Complaint sub-issue: Debt was result of identity theft

I did not consent, nor authorize the reporting of this account on my credit report. This is a violation of 15 USC 1681b - Permissable purposes because it it false, and it violates my rights to privacy and fair and accurate reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Didn't receive terms that were advertised

I opened a new Citibank Basic Banking checking account because there was a {$200.00} promotion detailed at https : XXXX. I initially deposited {$2000.00} into the account. One of the terms of the promotion was : Within 30 days of opening your account deposit {$5000.00} New-to-Citibank funds into the new checking account. 

I wanted to deposit more money into the account, but I did not receive my debit card, and there was no way for me to add funds into the account without the debit card. There was also no way for me to create an online account without the debit card. I called in repeatedly about the fact that I never received the debit card, and was told to wait. I kept waiting, and I never received a debit card until XX/XX/XXXX. I called in and complained and Citi said a dispute would be filed. Apparently, no action was taken as a result of the dispute.
Complaint sub-issue: Their investigation did not fix an error on your report

ok I have unauthorized inquiries and I have 3 accounts that I was never late on and 2 accounts that are identity theft that I didn't not open as described in the long letter attached. I have been battling this for over a year
Complaint sub-issue: Reporting company used your report improperly

My rights of privacy have been breached and trespassed by this company which is a direct violation of federal law. This company is also in violation of federal law by reporting misleading information on their website without my written consent. This company is reporting misleading information on their website and according to the federal law, it is the bureau 's GRAVE RESPONSIBILITY to ensure fairness, impartiality, and a respect for the consumer 's right to privacy. Their negligence has caused me distress and I'm seeking litigation.
Complaint sub-issue: Information belongs to someone else

I am trying to open a bank account for my business but a account from XXXX comes up under my info and it's not mine that needs to be disputed
Complaint sub-issue: Account 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 information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my XXXX XXXX : XXXX-Date of inquiry XX/XX/2019 XXXXDate of inquiry XX/XX/2019
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. There are fraudulent accounts on my profile that need to be removed I have sent police reports to all 3 credit bureaus.
Complaint sub-issue: Account information incorrect

Equifax has a charge off showing on my credit file on my XXXX XXXX account and there was no charge off Equifax had an outstanding amount showing now its a charge off showing and there was no charge off by XXXX XXXX I have provided a letter from XXXX XXXX once again its like Equifax wants to delete or update things one step by one step. I 'm also filing a FTC complaint to Equifax issues and wrong information.
Complaint sub-issue: Their investigation did not fix an error on your report

The US Dept student loan was transferred to a new servicing company, US Dept of Ed/XXXX which is listed on my credit report as current. However, Equifax will not deleted the old account, US Dept of EducationXXXXXXXX  WAS and Im being denied for a Direct Graduate Plus loan to continue my education. The loan is being shown twice US Dept of EdXXXX and the new loan Serving companXXXX Dept of EdXXXX its the same loan. In addition, Equifax is reporting the US Department of Education student loan as it is in default according to Direct Loans which it is NOT! I need this problem rectified immediately. Thank you.
Complaint sub-issue: Account status

Equifax is blatantly reporting my current mortgage as " Included in Bankruptcy '' in XX/XX/XXXX. 
The account was just opened and attached is the current status of the account which is " Pays As Agrees '' as of XX/XX/XXXX. The account in question is : Loan # XXXXI am constantly correcting issues with my credit report with Equifax, who is the only credit bureau reporting this incorrectly and this has been on my file for over 30 days. I am filing this report as the first step in lawsuit against Equifax. The issue has affected my credit status and I respectfully ask the CFPB to investigate laws broken by Equifax.
Complaint sub-issue: Their investigation did not fix an error on your report

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX {$0.00} 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Can't close your account

I have asked to close my Key Bank Checking account twice ; once on about XX/XX/2021 and again on XX/XX/2021. Both times the Key bank representative, via online chat, said the account would be closed within 5 business days. The account has a XXXX  balance. The account remains open.
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

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

XXXX XXXX is providing information pertaining to the identity theft that took place with my information. This company was presented with several police reports as well as identity theft affidavit report, federal trade commission report and now they report with the consumer financial protection bureau. 

Upon contacting the three major credit reporting agencies, I discovered that two of the three credit Reporting agencies did not investigate the information based on the fact that they thought it was a duplicate request. The documentation was presented with shows it was not a duplicate request and that it shouldve been processed immediately upon the consumers request to do so.

By failing to properly investigate this fraudulent item for the consumers request, this company violated the fair credit reporting act as well as the fair debit collection practices act. Failure to you processes investigation, has left the customer without any means of using their credit to take the services for their family. This negative item has impacted the consumer financially.

Furthermore, I also fear that this company has violated state and local laws. Upon receiving that information and their negligence to process the investigation, his company did indeed go in a different direction. They found a judgment on an account that they know was being disputed as I didnt either in an attempt to deprive the consumer of their money knowing that it will be a long drawn out process for the customer to receive any funds back.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.