Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

I filed a complaint XX/XX/XXXX.Three days later the dispute was closed. I sent documents proving that the information was invalid from XXXX XXXX XXXX. I have disputed a few times with XXXX XXXX XXXX. They are making up this amount and have no proof. I have proof from XXXX XXXX on the amount. When the reports do not match accurate information it should be removed from the credit report stated by the Fair Report Credit Act. This company has not removed the report and opened up another dispute.
Complaint sub-issue: Didn't receive services that were advertised

On XXXX XX/XX/XXXX, at approximately XXXX, I registered on Equifax 's website for the XXXX  XXXX credit monitoring service. My information was part of the Equifax data breach that was announced in XX/XX/XXXX. Upon submitting my information, a message box popped up stating that an e-mail would be sent, however there would be a delay due to the volume of requests. I interpreted that information to mean it could be delay of days so I didn't check my e-mail last night. Instead I checked my e-mail this afternoon. In fine print at the bottom of the e-mail was a message that said " this link will remain active throughout the enrollment period, which ends on Wednesday, XX/XX/XXXX. '' So, by checking my e-mail and trying to click on the link today, I have lost out on this service being provided by Equifax. 

My complaint is the fact that when I hit submit to enroll in the program last night the pop-up box did not state that enrollment had to be completed through the e-mail during the enrollment period. The message in the pop-up box DID NOT contain all the information and DID NOT provide all the steps that had to be completed. The message in the pop-up box was very misleading by stating that there would be a delay in the e-mail being sent due to the volume of requests. There were no details as to how long that delay would be. 

I called Equifax this afternoon and was told that there was absolutely nothing they could do to enroll me in XXXX XXXX credit monitoring services since the enrollment period had ended - even though their own website contained misleading information and missing information. This is extremely frustrating considering that the error and misinformation was on their end. And now, I'm the one whose personal information has been compromised and has no credit monitoring.
Complaint sub-issue: Reporting company used your report improperly

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 XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX 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 XXXXXXXXXXXX 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 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  has violated my rights XXXX 
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: Credit inquiries on your report that you don't recognize

To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates theFair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you have any document that you believe authorizes you or your organization to make theaforementioned inquiry/inquiries into my credit report, I respectfully request that a copy of itbe sent to my address so that I may verify its validity. Given the growing cases of identitytheft, I'm sure that you'll agree with me that verification will protect both our interests.In the event that you do not possess my authorization, I request that once you haveremoved all unauthorized inquiries from my credit profiles, you should also remove all of mypersonal information from your records. Please send me confirmation that you havecomplied with these requests.
Complaint sub-issue: Trouble with how payments are being handled

I'm eligible for public service loan forgiveness and XXXX haven't credited me all the payments. They sent me a letter in XXXX of XXXX acknowledging I had been at a qualified employer from XXXX ( when I originated the refinance loan ) until present. They didn't credit me with any payments before XXXX, when the loan was transferred to them. Which meant they had not given me credit for all the payments. They said I had XXXX payments. I called and they said they'd start a review for the other payments. That was in XXXX of XXXX and the review is still not completed. In XXXX of XXXX I submitted an employment certification for XX/XX/XXXX - XX/XX/XXXX and submitted the PSLF application. They rejected the application saying I had only made XXXX qualifying payments, even though they had previously certified XXXX payments. I've called several times and they just say to wait. I've even submitted a credit report showing on time payments since XXXX to my student loan providers. They've already acknowledged that I was working for a qualified employer and yet they haven't processed the application.
Complaint sub-issue: Public record information inaccurate

The Company Discover.iT placed a Fraudulent hard inquire after signing up for there Pre Qualification check ( With No Harm To Credit ) option Available to the Public. I was Not approved but Still have the Hard inquirer.
Complaint sub-issue: Didn't receive notice of right to dispute

Today a representative of Carter Young ( XXXX ) representing a debt from XXXX XXXX XXXX XXXX called, and she was very rude. When I asked if I could get the bill she stated that the original debtor should have sent me the bill. I then asked if I could get a letter in regards to this debt, and she stated that a letter had already been mailed to an old address that I hadn't lived in at for 3 years. At that time she became rude, and I had to ask her to stay cordial over the phone, and allow me to provide her with my new address. After I gave her my address, I asked her for her name, and she hung up the phone. This is very unprofessional. I have the right to know who I am speaking to, and what is the exact information for the company that is contacting me.
Complaint sub-issue: Their investigation did not fix an error on your report

I have ask XXXX and Equifax to remove these accounts that do not belong to me many times they have yet to do so no proof of these accounts have been presented they are refusing to follow the rules of the FCRA.
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted equifax via phone, online as well as mail asking them to verify 2 accounts on my report. I have asked for method of verification. I have also asked for a contract or anything that states this account is mines. They only respond with account is verified but has yet to send me anything. I have not received any information on these 2 accounts any information when it initially went on my report.
Complaint sub-issue: Problem with balance transfer

I have a cash app card and someone tampered with the account so I had it closed and a new card was issued but the {$70.00} I had in the old account didn't appear on the new account, after 3 days I was able to reach someone thru email but they cut off communications, there is no customer service number to call, they won't respond to the email address that was given I then did a little research and reached out on XXXX   I immediately received a text that they found my account and someone will contact me and that's a lie, I can't get anyone to reach out about my money. This company should be shut down they are stealing money and nothing is being done I've read many stories croon people who have flel prey to cash app and they're the same as mine
Complaint sub-issue: Old information reappears or never goes away

I have a collection account listed on my report that the company that was initially reporting has removed from one bureau but the other two bureaus refuse to remove the incorrect reporting. I have continually asked for verification of the debt but it has repeatedly not been furnished. The name of the company is XXXX XXXX. 

The two bureaus that I am submitting a complaint about are XXXX  and Equifax.
Complaint sub-issue: Problem with statement of dispute

I have disputed the XXXX inquiryy dated XX/XX/2016 and Equifax keeps responding stating that it is factual. I have a documented letter from XXXX stating that the inquiry should be deleted. This inquiry continues to lower my credit score. Equifax wastes no time reporting negative items, so what is taking them so long to delete this inquiry?
Complaint sub-issue: Attempted to collect wrong amount

XXXX has multiple accounts for medical-only bills. XXXX of the accounts went to a judgement. I set up payments starting in XX/XX/2016 for {$50.00} every other Friday. When setting this up, I was ensured that all payments would go toward judgement accounts, not others. I called on XX/XX/2016 to inquire about balance, and was concerned it did not match up with my personal records. They sent me a detailed statement. I called back on XX/XX/2016 and spoke with XXXX and found out that there were many discrepancies, including the fact that payment had been applied to other low-balance, non judgement accounts. XXXX, I also pulled my annual credit report and found that account numbers and amounts did not match the records they provided me with. I asked for someone to call me or provide me with written documentation when the payment had been fixed reflecting the amount I paid, but was told that was not possible. XXXX became very irritated and aggressive when I let him know I was concerned by the discrepancies in all my information and would not be making further payments until I knew where my money was going.
Complaint sub-issue: Information belongs to someone else

The last letter I sent to the credit bureaus was XX/XX/XXXX and yet they have failed to respond to my written letters. 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. 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 inquiries listed below are still reporting on my Credit Reports and must be delete immediately : XXXX XXXX XXXX CO Date Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX  Date Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Date Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Date Inquired on XX/XX/XXXX XXXX XXXX XXXX Date Inquired on XX/XX/XXXX XXXX Date Inquired on XX/XX/XXXX XXXX XXXX Date Inquired on XX/XX/XXXX XXXX XXXX Date Inquired on XX/XX/XXXX XXXX Date Inquired on XX/XX/XXXX XXXX XXXX XXXX  Date Inquired on XX/XX/XXXX XXXX XXXX  Date Inquired on XX/XX/XXXX XXXX XXXX  Date Inquired on XX/XX/XXXX XXXX XXXX XXXX Date Inquired on XX/XX/XXXXXXXX XXXX XXXX  Date Inquired on XX/XX/XXXXXXXX XXXX XXXX Date Inquired on XX/XX/XXXX XXXX XXXX XXXX Date Inquired on XX/XX/XXXX XXXX XXXX XXXX Date Inquired on XX/XX/XXXXXXXX XXXX Date Inquired on XX/XX/XXXX XXXX Date Inquired on XX/XX/XXXX XXXX XXXX  Date Inquired on XX/XX/XXXX XXXX - XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX, XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX - XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX  Inquiry : XX/XX/XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission, and the latter was truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Complaint sub-issue: Information is not mine

I 've been disputing items on my EQUIFAX Credit Report for over a year. I 've submitted police reports and grand jury indictments which I also uploaded to your site. EQUIFAX has done nothing to delete the fraud information or place a block on the disputed accounts so that they 're no longer on my report. Both XXXX and XXXX XXXX immediately took action and removed the fraudulent information and blocked the fraud from ever reporting again. EQUIFAX has done nothing. Police report and Grand Jury Inductment were already uploaded on my past request, but I 've heard nothing back.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

i have 2 issues that need to be addressed. ( 1 ) I had a group of credit / refunds owed to be by a merchant. at least ( 21 ) of these credits posted to my account between XX/XX/2021 through XXXX, XXXX. After the credits were adjusted to my account, I have a credit balance of at least {$40000.00}. When I requested my credit balance to be mailed back to me, I was advised all the credits were transferred over to some internal Citi account, however, Citi is now telling me they can not access my account and that they have no idea where my credit balance is or how to submit a request for the refund to be mailed to me. ( 2 ) in addition, Citi also needs to adjust all interest owed to me in connection to the credited transactions, which has not been corrected on the account.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX 2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Complaint sub-issue: Problem accessing account

Between the months of XX/XX/2021, I experienced undue overdraft fees from US Bank , and mismanagement of my account since it's inception on XX/XX/2021. When I made the initial deposit of XXXX, I then XX/XX/XXXXthat money to a friend. Instead of US Bank posting as a credit than a debit, they posted it the transaction in reverse. On XX/XX/2021, I reached out to US Bank in regards to 2 overdraft fees that were caused by an inaccurate account of my money. I XX/XX/XXXXXXXX out of my account and back into the account. The ATM read the accurate amount, I then withdraw XXXX. Somehow there was a miscalculation, 2 other transactions posted the account while the XXXX being returned wasn't calculated on the back end. Those 2 transactions caused overdrafts and US Bank didn't want to refund them, they did refund. Currently, we have a situation where I gave access to my phone to my ex husband, while been in the hospital, and he made some unauthorized transactions. In addition, to bad deposits in to my account. As soon as I had knowledge of this, post op, I reached out to US Bank discovering that Risk Dept. Recommended my account closure and instructed me to reach out to any branch manager to reopen new accounts. I also reviewed my account for unauthorized transactions and filed claims on them. They sent me a card to withdraw the MONEY REQUESTING that only ANY branch Manager can remove the hold for me to do so. On XX/XX/XXXX th I called an spoke to the branch manager at the XXXX XXXX XXXX, XXXX, he educated me that I was misinformed and that the back office had control of this. At this point they are prohibiting me access to funds that are mine.
Complaint sub-issue: Problem during payment process

I recently requested a refund of my credit balance and I was told that a check will be mailed to me. I had previously used XXXX 's bill pay services and used linked banks to pay the balance. I received a letter today, XX/XX/2018, saying my credit balance of {$2300.00} was sent to " the financial institution where the most recent payments were withdrawn. '' I call to find out where the money went and I was told most likely XXXX bill pay services since that is where the most recent payments were made. 

I went to check with XXXX. They have never received such refund and I also checked all the linked bank accounts, none has received the refund. 

I request further investigation and documentation on where my refund has been sent and received so I can track it down.
Complaint sub-issue: Fees charged for closing account

Tuesday, XX/XX/XXXX : It brings me great sadness of how the employees continue their unacceptable and discourteous behavior toward a loyal customer of theirs who finally had to close her accounts on her own accord in the email addressed to Mr. XXXX on XX/XX/XXXX after he ignored me three times to reach out to him when he chose to break his promise of not calling me back on Friday, XX/XX/XXXX to close my accounts. 

While I was asked to reach out to a " XXXX '' whom I've now emailed a total of three times to get my money, she too, among the rest of the other negligent and malicious employees listed previously, she too has completely ignored me. What an extremely audacious and insidious group of people they are. They really are all asking for it. 

Also, such preposterous, absurd, and extremely audacious people furthermore refuse to communicate directly to me. It was bad enough that that Ms. " XXXX, XXXX '' broke confidentiality laws by forwarding me all of my emails to that trouble-maker XXXX without asking for my consent first, etc. This group forwards correspondence like the wild-fire to one another without the person 's consent -- there really shouldnt have to be a confidentiality waiver attached to each person 's email to this group. Nevertheless, I had a confidence waiver at the end of each of my emails to them. 
That's right, they expect confidentiality of their emails to be respected, yet this buffoon of a group refuses to respect other 's own privacy even when I have taken the initiative to put a confidence waiver at the end of my emails. 

Despite me now reaching out to " XXXX '', she too has neglected her " due diligence ''. 
Additionally, US Bank continues to communicate to another party about my private business affairs instead of communicating directly to me to wire my money, with no fees, period. Today, XX/XX/XXXX, another separate party notified me that Us Bank is communicating with them about my private affairs to them and NOT to Me, AGAIN. 

This group is really asking for it and has everything horrendous in this world coming their way. 

I want all my money back in my -reopened accounts so that I can wire the money accordingly to the way I see fit to my new banks. 

ATROCIOUS. 
UNACCEPTABLE.
Complaint sub-issue: Didn't receive terms that were advertised

I opened the citibank account package for {$400.00} bonus offer with the following terms, Earn {$400.00} when you open a new checking and savings account in the Citi Account Package and complete the following requirements : Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. 

Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days I have opened the account on XX/XX/18 and made the required deposit of XXXX on XX/XX/18 into my checking account and linked my saving and checking account. 

Now it's been more than 5 months since I opened the account and I already fulfilled the requirement and keep the XXXX in my account more than 60 days. But still no bonus. I have contacted Citis customer service more than three times over the last three months to make sure the promotion is on my account and I have completely the requirement to receive the bonus. All three times they said yes.

The details say that the Bonus will post within 90 days from the date you complete all of the requirements. It's more than 150 days since opened the account and more than 90 days since I fulfilled all the requirements but still no bonus so far. 

I will attach here my chat history from Citibank here as evidence. The first agent told me to wait and call Citibank if I don't receive the bonus by first week of XX/XX/XXXX. The second agent told me they will give me a response after two days but I didn't receive any response. The third agent told me they didn't find any record about response and have to submit a new investigation. I believe this is just keep delaying me further from receiving the bonus and I never receive a proper response. Citibank should credit customers the bonus they deserve after they complete the requirements.
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

My husband was a XXXX XXXX XXXX at a XXXX in the XXXX   XXXX in XXXX XXXX, LA. On XX/XX/XXXX he was terminated from his job due to COVID-19. He is waiting now for unemployment assistance to begin but has not yet received any funding from unemployment. 
I have called all of out debitors and made arrangements to defer payments of credit debt with a good deal of success and cooperation from everyone except Citibank. 
I have 2 accounts with Citibank, one account is closed and I am paying off the balance. I closed the account after the bank bailout in XXXX when Citibank wanted to increase my interest rate to more than double what it was. I have been in excellent standing making payments on this account for over 12 years. Including prior to the bailout and closing my account, right up until my XX/XX/XXXX payment. I also have a Home Depot credit card that is backed by Citibank, also in excellent standing with payment history. 
I have made numerous calls and spoken with their customer service about deferment of my monthly payments due to hardship since my husband lost his job, but they continue to tell me they have nothing in place.