Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: No notice of investigation status/result

I have filed a complaint with Equifax pertaining to inaccurate information being reported by national credit .XXXX has removed the information based upon the document I provided showing a balance XXXX XXXX for {$57.00} ..i submitted the same document to Equifax , to find they have not included the faxed document in my investigation. The XXXX is the rental property I was leasing from XXXX XXXX, til XXXX XXXX XXXXt is showing a balance of {$8300.00} as of XXXX XXXX, the beginning balance of {$3000.00} in XXXX XXXX, to my understanding collection agents does not have a right to collect more than what the balance is owed, I wish Equifax to removed the negative reporting from XXXX.due to not reporting accurate information. nor correct balance owed from date XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Im filing this complaint against Equifax, I have tried to resolve and handle this issue through Equifax, unfortunately several times I spoke with there reps, unprofessional, I was hung up on and no help I have over 54 inquiries on my credit report I want these credit inquiries removed I have filed a FTC Identity theft report about this issue I am not going to list all these inquiries because I found them in my credit report and I want them removed and i am disputing them as fraud, but do not place a fraud alert as I have a credit lock I will be using, I will take screen shots off my credit report of the inquiries, I do not recognize these inquiries at all, Equifax needs to have better customer service in place where people know consumer law, anything I dont recognize on my credit report, i want these removed I have filed numerous complaints and Equifax is ignoring to anything I even have monitoring and fraud resolution specialist but Im ignored about that, I want this resolved or I will keep filing complaints until this is resolved and these inquiries might be one or more if the same, I counted 54 inquiries I want removed off my report I did not ask for these inquiries and I would like them removed and my report corrected .thank you
Complaint sub-issue: Account status incorrect

XX/XX/XXXX I applied for an installment loan of {$500.00} with Moneylion. Per Moneylions website and policy, only 1 loan can be given at a time. Once that loan has been paid off, the consumer can then apply and receive another. I paid that loan off XX/XX/XXXX as it shows last payment received and applied for a second one. I paid that loan off and took out another one XXXX XXXX. Mind you both loans were on auto pay. The second loan was being taken out of my account every month then about end of XXXX, they stopped taking it out and then charged it off. At the time the balance left was XXXX yet on the credit report shows " account charged off. {$420.00} written off, {$300.00} past due. How can you write off more then the past due. They are a fraudulent predatory company with incorrect reporting 's. How can I have two active loans out at the time in XXXX if both their website and customer service have stated only 1 active loan can be open at a time. 

I have tried to dispute this with both XXXX and the XXXX bureau 's with no help. When I pull my reports, they aren't even reporting anything correctly on both XXXX and XXXX. XXXX shows no payments made on loan 1 yet the balance is lower then the initial {$500.00}. On XXXX, its showing the XXXX  months I made payments on the loan then went to XXXX, 60 days late. When I disputed the incorrect reporting, they tried to adjust the balance to {$30.00} in XXXX of XXXX, XX/XX/XXXX it was put on {$460.00}, then in XX/XX/XXXX went back to {$30.00} and then back to {$460.00}. They have been falsely reporting it since XXXX and has affected my credit. 

The second loan is showing last payment made XX/XX/XXXX but when you look at the report, no payments were made so clearly nothing matches up with any of the reports and details as they are trying to do this.
Complaint sub-issue: Reporting company used your report improperly

XXXX have injuries on my report that I didn't do. I even called car place and they told me it's nothing the can do. Inaccurate info on report. Etc
Complaint sub-issue: Problem getting my free annual report

Equifax transaction code XXXX # XXXX I was not able to view this report because when I went to the icon to create an account for 30 days and came back to the first page, I was kicked out. Thus as the law requires I only got to view the first page of the equifax credit report. Now it is telling me that I already got to review my free report when I did not had any time to review anything. I do not not want to write because I needed this report yesterday. 
Fix my account on equifax so that I can go back on line tomorrow or where do I report this problem ... XXXXXXXXXXXX XXXX F
Complaint sub-issue: Company closed your account

On XXXX XXXX 2018 XXXX XXXX d.b.a. Ally Bank decided to close my account ending in XXXX without specifying a reason and deposit the {$0.00} in my checking account ending in XXXX. XXXX the floor supervisor stated that my checking account ending in XXXX was also in Jeopardy. The bank is relying on the catchall clause regarding its right to deny service for any reason. I have been an account holder for 10 years. My XXXX check goes to them. They stated that I had no right of appeal and offered to forward the XXXX check. The current checking account balance is XXXX
Complaint sub-issue: Didn't receive notice of right to dispute

XXXX XXXX XXXX {$10000.00} 15 U.SXXXX Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Complaint sub-issue: Debt is not yours

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Debt is not yours

I was approved for a line of credit in the amount of {$20000.00} from XXXX at XXXX XXXX XXXX, XXXX, Georgia XXXX. The line of credit was to purchase custom window on XX/XX/2017 from XXXX XXXX at XXXX XXXX XXXX, XXXX, TN XXXX. There were issues with the original contact, I contacted XXXX XXXX, did another contract which changed the total price. I called Greensky to cancel my contact, I also called and physically went to XXXX XXXX to cancel my contract as well. The following week I received a bill. I have all documentation and correspondence with both companies.
Complaint sub-issue: Information belongs to someone else

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.

2. Identity Theft XXXX Account Number : XXXX This is not mine.

3. Identity Theft 01 CITIBANK N A Account Number : XXXX This is not mine.

4. Identity Theft XXXX Account Number : XXXX This is not mine.
Complaint sub-issue: Problem during payment process

CITI BANK CRDIT CARD REPLACEMENT PROMISED WAS NEVER RECEIVED FO OVER A MONTH. I CALLED CITI CARDS ALMOST EVERYDAY TO FIND OUT WHAT HAPPENED O MY CARD. THIS BANK OVER & OVER AGAIN TOLD ME ME THAT IT WILL ARRIVE IN TWO BUSINESS DAYS, NEVER HAPPENED.
Complaint sub-issue: Information belongs to someone else

This is my follow up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX is falsely reporting a delinquent balance of {$3100.00} to Equifax, XXXX, and XXXX. I do not owe this debt. I have made several attempts to resolve this issue with XXXX XXXX, Equifax, XXXX, and XXXX.
Complaint sub-issue: Received bad information about your loan

As a a XXXX XXXX working for the XXXX XXXX as a XXXX XXXX, I applied for the student loan forgiveness. Loans were transferred from XXXX XXXX and XXXX to Fed loan servicing, payment decreased from {$420.00} approximately to {$300.00} per month. I was informed I was put in the wrong payment plan and only XXXX payments count towards the XXXX required payments, got an email in XXXX of XXXX that I had to switch payment plans for the payment to count. So used the calculation tool provided, decided standard repayment plan was best option, now payment is only for 27 months and payment will be over triple {$900.00} plus per month. I asked today XXXX, that The request be cancelled as it bust the family budget. I got the response that I was on a grandfathered plan and does n't exist, so stuck with the new payment even though it has not been activated yet. What a complete cluster!
Complaint sub-issue: Account status incorrect

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : + Equifax : o XXXX XXXX XXXX XXXXXXXX Balance : {$15000.00} o XXXX XXXXXXXX Balance : {$26.00} o XXXX XXXX XXXXXXXX Balance : {$0.00} o XXXX XXXX XXXX Balance : {$520.00} o XXXX XXXXXXXX Balance : {$0.00} Equifax : o XXXX XXXX XXXX XXXX XXXX : {$15000.00} o XXXX XXXXXXXX Balance : {$26.00} o XXXX XXXX XXXXXXXX Balance : {$0.00} o XXXX XXXX XXXX Balance : {$520.00} o XXXX XXXXXXXX Balance : {$0.00} XXXX : o XXXX XXXX XXXX XXXXXXXX Balance : {$15000.00} o XXXX XXXX Balance : {$26.00} o XXXX XXXX XXXX Balance : {$0.00} o XXXX XXXX XXXX Balance : {$520.00} o XXXX XXXX Balance : {$0.00}
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. 

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 XXXXXXXX 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Information is not mine

I have several collection accts that are not mine due to fraud XXXX and several credit inquiries that I did n't authorize but have been unable to have these iitems removed ... I have fraud alert on my report also police report number XXXX and still nothing.
Complaint sub-issue: Information belongs to someone else

This is my 4th and final complaint against this bureau. I have sent several affidavits yet They refuse to properly address them. 

I have never been provided the methodology for these alleged accounts on my report. 
1. XXXX XXXX XXXX XXXX ( 2x ) 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX They have refused to provide : 1.name ( s ) of representatives spoken to at the above institution 's that they allegedly verified these accounts with. 
2. Complete account number ( s ) 3. Time, phone number called, date spoken with 4. Title of rep spoken with to allegedly verify these accounts. 
5. Methods used to verify 6. Complete name, ssn, dob of alleged account holders ' name.

7. Date account was opened, reported etc 8. Name of representatives at above institution 's that opened these accounts 10. Branch Locations where these accounts were allegedly opened 11. The original, signed documents/contract from the above institution 's 12. Notarized, Affadavit from creditor ( s ) stating who the debtor is. 

In addition, this process has went om for 1 year with no resolve. 
I am being held hostage and my credit is being adversely affected in the process. 

I demand that these accounts be deleted immediately as you have not done what was necessary in the allotted timeframe. 

In addition I have repeatedly started that no other names are mine beside XXXX XXXX. 
Yet they continue to illegally report other names that don't belong to me. 
They clearly have me mixed up with someone is. 
I have repeatedly stated that no other addresses being to me besides XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, CA XXXX Yet they continue to report addresses on my report that don't belong to me. 

This is illegal and unfair. Justice will be met. 

Signed, XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted disputes to the 3 credit reporting agencies on XX/XX/XXXX to  have deleted from my files 3 tax liens and an dismissed bankruptcy in accordance with the National Consumer Assistance Plan that went into effect on XX/XX/XXXX of this year. As of today, XX/XX/XXXX, the only updates from the 3 bureaus are that they show dismissed, which is unacceptable.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

This is regarding billing dispute XXXX. The merchant was XXXX for {$55.00}. I disputed on XXXX. It states action required by XXXX. On Citibank 's dispute summary page, it reflects action is still required. Citibank supplied a letter through their Notices and Letters stating they were reversing the credit on XX/XX/XXXX. 

I thought I returned this item and was wrong. I didn't respond to the dispute because I assumed Citibank would eventually reverse the charge. They did, although the dispute summary doesn't reflect that the investigation is complete. 

On XX/XX/XXXX, I sent an e-mail to XXXX to let them know it is still reflecting action required no later thanXX/XX/XXXX. They followed up with a letter. 

It is dated XX/XX/XXXX and states on XX/XX/XXXX that they asked me to follow up with them no later than XX/XX/XXXX. 

The problem is the dispute summary is incorrect and the action required date does not match the letter Citibank sent me on XX/XX/XXXX. In addition, there Notices and Letters page states all notifications and letters will be held there for 12 months. There is only one page when there should be more. I had two pages at one point and these documents disappeared. I spoke to a rep with Citibank the other day through their 800 number, and she said the problem has been reported by numerous customers in relation to billing disputes.
Complaint sub-issue: Funds not received from closed account

I opened a checking account with Citibank N.A. through their online portal and funded the account in the amount of {$15000.00}. I received a bank statement for the period XX/XX/2018 through XX/XX/2018 that stated that the deposit had been made on XX/XX/2018. 

On XX/XX/2018, I called Citibank to inquire why I could not activate the debit card that they had sent me and I was advised that the account had been closed by Citibank. They claimed there were issues about my address and they unilaterally closed my account when they could not resolve the issue. I was further told that in order for Citibank to send me my money they would need a copy of a utility bill. On XX/XX/2018, I faxed a letter to Citibank that stated that I do not have a utility bill in my name as they are in my husband 's name and his last name is not the same as mine. I faxed Citibank a copy of the debit card which I had received and the copy of the bank statement as proof that the address that they had was a good address. 

On XX/XX/2018, I called Citibank to confirm receipt of my fax. I spoke with XXXX in the New Accounts Department ( she refused to give me any last name or employee information ) and she said that she could not send me my funds unless I had a utility bill or went into a bank branch to get my money. I live in Georgia and the nearest branch is in Washington D.C. I offered to send a copy of my driver 's license to prove my address but she told me that that was not acceptable. I asked to speak to a supervisor and XXXX told me that there was no supervisor available. 

I need the help of the CFPB to get me my {$15000.00} which Citibank is illegally holding.
Complaint sub-issue: Debt resulted from identity theft

About 2 years ago, I received multiple phone calls and mails claiming that I owe over {$14000.00} to CitiBank. First of all I never opened an CitiBank account. I even went to my local CitiBank and asked them about it and they said that there is n't any account under my name. Then recently I got another letter, so I went to my local police station and they said I needed more information to file a report. I wrote to the debt collector asking for the bank statement and they sent me an account summary which states that I have been a member since 2012 and used a Citi ThankYou Preferred Card. What is my next step?
Complaint sub-issue: Problem with balance transfer

I received a very disturbing response from the executive team stating that they did what was necessary as to the fraud results when everything was withdrawn so I am not sure why they are sticking to these so-called fraud there is no fraud everything was withdrawn and the institutions they received money from needs to be credited back which is documented and attached here. This is my previous message to them hopefully they read it and understand it this time .I XXXX XXXX XXXX into my discover card for an inquiry about if my son in law who is/was my managed user went through id-theft and paid the debt from XXXX XXXXXXXX with a B/T who would be responsible to write or pay it off. Generically, I answered my own question and told them that it was just a inquiry and not to dispute anything. However, the agent decided to dispute 12 B/T and got 2 of my son in laws cards closed because they thought we disputed it even though we wrote a letter and signed it with our ids and statements stating these are valid and not to take further action, with that said they didnt listen and to this day months later when we did the B/T in XXXX and they decided to dispute it on there own accord after my inquiry we were not able to have it undone despite the letters stating we withdrew all of the disputes and they would return the money to the proper institutions. This was never done to this day they keep saying we owe them money and the institution they took it from at the same time without anyones consent to dispute the claims. We called countless times and talked and emailed executives with no luck about this card and we are suffering massive credit harm from what they did and massive balances on these cards that were paid off. My son in law runs a business and cant produce what he needs because both of our credits were destroyed by there negligence and they are refusing to return the money and give us a letter of bank error so we could fix our credit. Everytime I call in there is no answers and they will not undo the disputes and send random letters such as now Im not responsible for the debt one week to being held responsible to still having to pay both institutions and everyone is suffering my wife is XXXX on XXXX and I can not downsize my home because my credit has been ruined and they will not fix it or respond no matter what I do or send them. I have documentation and letters of this confusing mess when all that had to be down was withdrawn and return the money to all institutions. Discover credit card has ruined my life and my son in laws with no remorse. We called every week for the past 2months and are fed up and need help
Complaint sub-issue: Credit inquiries on your report that you don't recognize

These credit inquiries that appear on my equifax and XX/XX/XXXX report were not legally authorized by myself and i would like for them to be removed XXXX XXXX XX/XX/ XXXX XXXX XXXX XX/XX/ XXXX XXXX XXXX XX/XX/2019 XX/XX/XXXX XX/XX/2019
Complaint sub-issue: Reporting company used your report improperly

XXXX accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX, has violated my rights. 
XXXX accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
XXXX accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
XXXX accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 
XXXX accordance with the Fair Credit Reporting act 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
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX I made an online purchase from " XXXX XXXX XXXX '' The next day I called to cancel the order, I was told it was too late to cancel that I could refuse delivery or return the item. The tree was never delivered to my home. I never received it. It could have been delivered to the wrong house or could have been stolen. The co. refused at first to provide credit. They filed a claim with XXXX, it was resolved in my favor and the co. provided me with a refund on XX/XX/2021 in the full amount of {$200.00}. Receipt attached. 
Discover still refuses to credit my account.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

i have previously contacted Equifax, XXXX, and XXXX on my behalf through certified mail and requested that all credit inquiries not linked to an active account be deleted from my profile because i do not recognize them and nor did i authorize them. Per consumer law they are not to furnish any information on my credit report without my prior consent, which i did not give.