Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Funds not received from closed account

My checking account was put on pending closure on XX/XX/XXXX without my consent, I called to better understand what was going on when i wasn't able to use my account. I had a balance for {$4400.00} at that time, and I was advised to wait 30-60 days for the account closure review to be done, and that i will be receiving a letter from the bank, with a check for the funds remaining on the account. I chatted with a rep on the mobile banking app on the XXXX of XX/XX/XXXX, for details on the status of the refund and letter, and he said " I can see here a check was issued on the XX/XX/XXXX and that i have to wait 10-15 days .... Today being the XXXX, i called again to get the status, and the rep i spoke to suddenly told me I won't be receiving a check because i have no funds that belong to me! Contradicting what the previous reps i had spoken to, told me. Now i asked her to explain in details, and she refused. I asked about the letter i was supposed to receive, and she kept dodging the question. I told her i remember vividly the last credit that was made in my account from an XXXX buyer 's purchase, for a watch in the amount of {$8100.00}, and she claimed the account is already closed and she can't provide any information. They refused to send me the letter explaining everything, and have kept my money! Causing me to almost lose my apartment and owe bills. I am tired of banks lying and ripping people off! I want my money back!
Complaint sub-issue: Information is missing that should be on the report

I am currently trying to refinance my home but my payments are not being reported/recorded with the credit bureau's..My credit was pulled just recently twice and both told me there is no record of US Bank reporting my payments to the credit bureau 's.
Complaint sub-issue: Reporting company used your report improperly

In Accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX  # XXXX has violated my rights. 

15 U.S.C 1681 sec 602 A states I have the right to privacy.

15 U.S.C 1681 sec 604 A section 2 : It also states a consumer reporting agency can not furnish an account with out my written instructions.
Complaint sub-issue: Investigation took more than 30 days

I submitted an investigation request to Equifax on XX/XX/XXXX. They are supposed to send the results back to me within 30 days. When XX/XX/XXXX arrived, I had not yet received a response from Equifax. I sent them a follow-up letter on XX/XX/XXXX, but that letter was also ignored. To date, I have received nothing back from Equifax.
Complaint sub-issue: Their investigation did not fix an error on your report

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the status information of these accounts and update right away. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have sent letters stating I did not authorize these inquiries or have knowledge of authorizing these inquiries. I request documentation is sent that I authorize these inquiries or these inquiries be removed from my profile. 

XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not sure who this XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

IVE RECENTLY CHECKED MY CREDIT REPORT & FOUND SOME UNAUTHORIZED CREDIT CARDS, UTILITY, AND COLLECTION ACCOUNTS AS WELL AS ADDRESSES, WHICH IS CAUSING ME A LOT OF STRESS ITS SO FRUSTRATING & ITS NOT FAIR TO ME BECAUSE I AM IN THE PROCESS OF GETTING MY HOME I DO NOT RECALL NOR AUTHORIZED ANYONE TO APPLY FOR THIS AND THIS IS HOLDING ME BACK, PLEASE GET THIS REMOVED & RESOLVED ASAP.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. I have been getting calls and letters for credit accounts that I did not authorize. Some criminal has used my personal information to open credit accounts that I did not authorize. To open these fraudulent accounts banks accessed my credit profile and created unauthorized inquiries on my credit report that further defiles my credit profile. This criminal activity has caused me and my family extreme anguish as we try to rectify this situation.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 Account # XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

As ofXX/XX/XXXX item is reporting as 90 Days late. The item was paid in full and on time. I called customer service in XX/XX/XXXXregarding the issue but the item is still showing on my credit report.
Complaint sub-issue: Received bad information about my loan

My son and I received a letter from the Nelnet Student Loan Servicer today, XXXX/XXXX/2016, introducing the fact that they had been selected by the U.S. Department of Education to be our student and family loan servicer. The letter refers to an enclosure that we should read, but there was no enclosure in the mailing. We do n't feel that we have received all the information we need, and our confidence in the servicer is n't enhanced by a mistake that, if it included all the other people who received the mailing, could represent a significant error and possible financial expense on the part of the company. The letter was addressed to my son, XXXX XXXX, and was dated XXXX XXXX, 2016. We would appreciate it if the company would forward the missing piece, and would not object to being allowed the option of choosing another servicer. Thank you for attending to this matter.
Complaint sub-issue: Information belongs to someone else

Someone stole my social security number, name and address and got a credit card from {$8000.00} credit limit with The Home Depot Store, I received today 05/27 a credit card statement with a balance of {$4300.00} and a minimum payment of {$44.00}. I called the Home Depot Store and supposedly they closed the account and sent a report to their Fraud Department, they should be investigating and getting back to me. I want this resolve and account eliminated from my credit report and any negative report to be deleted too.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2018 it was noticed that there was incorrect and unauthorized information on my credit report.
Complaint sub-issue: Old information reappears or never goes away

I was informed that refinancing my private student loan with Fed Loan Servicing ( Federal Student Loan ) would qualify me for the XXXX XXXX XXXX XXXX. I have been making on time payments since I XXXX XXXX XXXX XXXX XXXX  and have XXXX for a XXXX XXXX XXXX since XXXX to the present. I refinanced my loans in XX/XX/XXXX and my credit score was negatively impacted by over XXXX points. I applied for the Public Service Loan Forgiveness program in XX/XX/XXXX and sent an updated one in XXXX of XXXX. I have seen a number of people have their loans forgiven in this time period in which they applied after I did. I now received a letter from XXXXFed Loan that my loan would be transferring to a new Federal student loan servicing company, XXXX. In the letter, it states that this transition may affect my credit score. I have been waiting patiently for an updated count on my public service loan forgiveness since XXXX. It is now XXXX and my loans are being transferred to another company and my credit score will be impacted again. I am unable to make purchases and receive good interest rates because of this. The public was told that in order to qualify under this new waiver in XXXX of XXXX that we had to refinance. There was no choice. I have done everything required and I know that my loans should have already been forgiven under the new waiver. I have called numerous times to Fed Loan Servicing and to XXXX XXXX with no information be given. They continually tell me that they have no further information for me and that I just have to wait. It would be ok if it was just waiting, but now it is impacting my credit so negatively that it is unfair to me as a consumer. I have also filed a complaint with XXXX XXXX and they were reviewing the complaint. I later logged on to check the status weeks/months later and it shows that it was closed, but there was never any email or feedback to me. This is extremely upsetting and concerning that there is no rhyme or reason as to the processing of Public Service Loan Forgiveness applications. Again, I originally consolidated in XXXX and filed in XXXX right after my consolidation. The state of XXXX  can verify that they have certified my XXXX  twice already and still no movement from Fed Loan or XXXX XXXX. I am very concerned that on XX/XX/XXXX my loan again is going to be transferred and my credit score impacted significantly. This has impact on future home buying ( mortgages ), car purchases, etc. I am hoping that someone can assist me.
Complaint sub-issue: Reporting company used your report improperly

15 USC 1681 ( a ) ( 1 ) Congress states : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

15 USC 1681 ( a ) ( 4 ) Congress states Equifax ( the consumer reporting agency ) has a grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. 

Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( l ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction on my consumer report., Equifax is in direct violation to 15 USC 1681a ( 2 ) ( B ). Equifax violating Federal law is not fair, inaccurate, not equitable. I a federally protected consumer and a natural person does not find value with my consumer report. That is what accurate means. I do not benefit from this direct violation of federal law that is what equitable means. This is impairing the banking system and undermining my confidence in the banking system
Complaint sub-issue: Problem with personal statement of dispute

Submitted a dispute to Equifax by mail on XX/XX/2022. No response to that dispute. Submitted a dispute electronically ( confirmation # XXXX ) on the Equifax website and the dispute was completely almost instantly with no corrections. I have a multitude of inquires on my account that need to be removed. None of these accounts disputed have my permission to pull my credit and are not attached to any open accounts either.
Complaint sub-issue: Problem using a debit or ATM card

On XX/XX/2021, I used my Coinbase Card ( issued by XXXX ) to purchase gasoline at a XXXX XXXX retail location in Washington XXXX DC. XXXX, as issuer of Coinbase Card, withdrew a {$100.00} bank hold for the transaction, which ultimately totaled {$43.00}. Despite this transaction occurring over a month ago, XXXX has not settled the transaction and still holds my entire {$100.00}. I confirmed with XXXX that it is indeed not their system that placed the hold but rather XXXX. I have contacted the customer support of Coinbase Card ( since they administer the account ) via phone 5 times and via email at least 10 times since XX/XX/XXXX, most recently today on XX/XX/XXXX. Coinbase Card customer support has either been uninterested in or too incompetent to resolve this issue in the rare instance that my calls or emails are responded to, the responses I have received are " this is the responsibility of a different team ( whose contact information we can not provide ) '', " please call back another time '', or other responses completely irrelevant to my problem. The result is that XXXX, through Coinbase Card, has effectively stolen {$56.00} from me. I have gone above and beyond providing information and exercising patience. It is clear that XXXX, through Coinbase Card, has committed theft of my money through a disingenuous bank holding process.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I had fraudulent activity that occurred on my Discover card, I called Discover as soon as I noticed the charges and disputed them. During my first phone call they advised me I did not have to file a police report. After their investigation they did not deem it as fraud because the charges were spent at stores that I had previously purchase items at. This went on for six months starting in XXXX when the fraudulent charges began. Discover Unwilling to re-review and remove these fraudulent charges unless I have a police report. I reached out to the police and they said the camera footage from the stores the purchases were made or not kept for that amount of time. So now Im stuck paying for charges that I did not make and discover will not do anything about it
Complaint sub-issue: Card was charged for something you did not purchase with the card

I have a Citi Diamond preferred credit card that has three fraudulent charges made in XXXX. The first was on XXXX to XXXX in Ohio, for {$730.00}. The statement shows a phone # XXXX as XXXX. The second charge was on XXXX to XXXX XXXX XXXX for {$150.00}. The last charge was again to XXXX for {$210.00}. 
I have called Citi Cards twice to dispute this, and sent them a letter. I received a letter date XX/XX/12 that said they tried to contact me for further information but because they could not reach me they closed the investigation into the charges. This is a lie, I have been checking my emails every day and have not seen a request for more information. 

I do not use either of these companies. I live in Georgia and XXXX is in the mid west.
Complaint sub-issue: Account status incorrect

Nationwide Acceptace, dba XXXX XXXX, is reporting that my payment is 30-59 days past due and I owe {$66.00} but the balance was paid in full on XX/XX/19.
Complaint sub-issue: Information belongs to someone else

I sent in several certified letters to all three credit bureaus notifying them that there was incorrect information on my credit report as inaccurate accounts, inquiries and personal information. I only received bogus verified letters from all three bureaus. I recently checked my credit confidently knowing that the inaccurate accounts, inquiries, and personal information we 're removed from my credit report. I also gave an ample amount of time for the creditors and credit bureaus to correct themselves. I 've given the credit bureaus ample amount of months to correct the errors but yet I still see there was no progression or any attempts made to correct this errored information off of my credit report. Both the credit bureau and creditors broke the law without getting any consent from myself, and I have n't received any documents with my signature verified. Many of the FCRA laws we 're broken in this incident, my next move is to file a lawsuit against all three credit bureaus. My name is associated with several XXXX XXXX living today and I noticed that I have several social security numbers that are incorrect, addresses, accounts, inaccurate errored student loans which are n't mine, other accounts that are n't mine as well. The creditors along with the Credit Bureaus have cost so much problems for me because their inputting errors on my credit file which is making my life a living XXXX.
Complaint sub-issue: Information belongs to someone else

I reached out to you all in XXXX about accounts on my credit that is not mine. This has really become frustrating all Im trying to do is help my mom and this is has become like a stick in the road. Can you please take these accounts from my credit and I will look at other options. 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 , DPT ED/XXXX XXXX, US DEP ED. I contact the FTC and local police.
Complaint sub-issue: Information belongs to someone else

I recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I need these items deleted from my credit report XXXX XXXX, XXXX, Dept of Ed/XXXX    XXXX, XXXX XXXX and XXXX. I see a lot of people running my credit and I didn't know about this please take these inquiries off to 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 XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted XXXX Police and the FTC.
Complaint sub-issue: Debt is not yours

Ale Solutions is reporting a debt on my credit file that I do not owe. This debt is really old and past the statute of limitations in CA. This debt needs to be removed off my credit report.
Complaint sub-issue: Account information incorrect

Equifax is reporting inaccurate data from XXXX XXXX XXXX XXXX. I do not owe this collection agency and sent a debt validation letter to Equifax, XXXX and XXXX. XXXX and XXXX have removed the collection reported however, Equifax has not. Thus, I am filing a complaint for immediate removal of this inaccurately reported collection.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX '' Please contact the company directly to verify that they have your correct address. Once the new information is reported to XXXX, you will be able to submit your dispute online. For further questions you may contact us at XXXX. 

XXXX XXXX XXXX ( XXXX ) XXXX Auto Loan XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Auto Loan XXXX XXXX ( XXXX ) XXXX Charge Card XXXX XXXX XXXX Phone Number UnavailablXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX. XXXX Account XXXX
Complaint sub-issue: Can't close your account

Back in XXXX I attempted to close my XXXX XXXX XXXX and the company refused to close it. I filed the complaint and as result ( Citi XXXX # XXXX ) the company responded back stating it waived the fee and instructed me to call Citibank again. I called again and again I asked to close my account. It wasn't as as of today the Citibank is sending me notices of overdraft. 
Today on XX/XX/2022 and the call was handled by their CSR in XXXX that was unable to even review the info on the account after putting me on several holds. Subsequently I requested and was transferred to a call center in the US where I again I was put on hold for about XXXX XXXX  after which the call was subsequently and without warning disconnected. 
It appears that the Citibank is refusing to close my account and it is interested in accruing fees on the account. Questions 1 ) Why is the bank refusing to close my account despite REPEATED requests to do so? 
2 ) Why there is absolutely no accountability with the Citibank for this outrageously poor customer service where the customers are not dealt with by either incompetent/unauthorized employees who apparently do not have a level of skill set to perform a simple operations such as account closing? 
3 ) Or is it the Citibank 's business model to accrue fees regardless of basic ethical and professional norms?
Complaint sub-issue: Information belongs to someone else

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX APT XXXX XXXX, TXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX NOT PROVIDED XXXX, TXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX RESIDENT XXXX XXXX  XX/XX/XXXX XXXX XXXX Bankruptcy Reference # XXXX Date XXXX
Complaint sub-issue: Information belongs to someone else

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXXEquifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately EQUIFAX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XX/XX/XXXX
Complaint sub-issue: Problem getting your free annual credit report

Went to the Credit Report site that should get all three of the credit reports. No problem with XXXX, and got the XXXX online, but a download of the report did not work. Still waiting for XXXX to respond to my " Online Complaint ''. 

Then tried to get the Equifax report. There system would not take the last four of the Social Security Number. It keep giving me a error code. So I filled out the " Online Complaint '' form telling then of the problem. I did not receive any notification that they have check on the problem with there system. Then get a printed form, in the mail from them, asking for my information ( See Attachment ). 

It appears that Equifax has some problems with there systems since it will not take my valid SSN. 
If the system will not take the correct Social Security Number then do not know what good it will do to send them the same information!! Also have had other problems with the Equifax systems in trying to freeze my " Credit Report '' and trying to get them to monitor it. So have no confidence in them doing anything correct with there systems.