Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Old information reappears or never goes away

I am filing a second complaint against Equifax because incorrect information continues to show up on my credit report. As a result, this is causing me a great deal of anguish and frustration. Furthermore, it's causing me to have a low credit score which impacts my ability to get credit. I reported the same complaint on XX/XX/XXXX and the information with regards to XXXX XXXX remains on my credit report as being 120 days past due. The mortgage was modified XX/XX/XXXX which brought the account current and placed the account under my ex name. Despite my continued efforts to get Equifax to update their information they continue to reinsert incorrect information on my credit report. I would appreciate any help in getting this resolved.
Complaint sub-issue: Account status incorrect

XXXX XXXX, XXXX and XXXX XXXX accounts on my credit reports should be listed as paid, however they are being listed as charge offs. I have contacted the credit bureaus to resolve this issue however the issue still hasnt been resolved.
Complaint sub-issue: Was not notified of investigation status or results

I sent a letter on XX/XX/XXXX, regarding inaccurate and unknown things on my credit report. To date, well over 30 days later I have not received a response yet. I feel that I am being taken advantage of and being ignored of my disputes, I do not like that. Section 611 ( a ), plainly states that a failure to investigate these item within 30 days gives a reason to immediately remove those item from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information has also been impacted by the Equifax data breach and may have been in possession of the wrong people.
Complaint sub-issue: Information belongs to someone else

There's information reporting on my file inwhich is a direct result of identity theft and these accounts went on to become closed but this is not sufficient I'm demanding that they be removed and blocked from my credit file. 

1 ) XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX15 USC 1681 Section 602 A. States have the right to privacy. 15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without written instructions. 15 USC 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 items of information, other than records of convictions crimes which antedates the report by no more than seven years. 15 USC 1681-2 ( a ) ( 1 ) A person shallot 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: Fraudulent loan

I have tried several times to have them to send me documents showing that i signed for a loan. The loan i did get I paid it off through XXXX XXXX years ago. Under 5,000 I paid over 12,000 back. Now EAS are saying that I owe them for a loan that I did not receive. Never attended a college again. My credit report showed it as being paid off. AES stated if was paid in full but now it has started all over again saying that i owe them. AES even put on my credit report so im wondering what is really going on. Really stressing my out about this ...
Complaint sub-issue: Investigation took more than 30 days

Hi I am submitting this XXXX 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 more then XXXX times nonstop this is exhausting 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 XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a XXXX 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 one negative credit items outstanding debt now that is not mines. 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 im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name
Complaint sub-issue: Trouble with how payments are being handled

My Direct Joint Spousal Consolidation loans was transferred to Mohela. My payment trackers are not showing. I have applied for XXXX under the waiver and have XXXX eligible payments. A XXXX to XXXX from XXXX was issued XX/XX/XXXX effective XXXX of XXXX. Prior to this a had a direct to discharge issued in the spring, canceled XXXX XXXX and reissued XX/XX/XXXX. XXXX promised to discharge my portion of these loans prior to transfer and did not do that. Now it appears part of my data has been lost as well. I can not reach anybody by phone or chat. My portion of the loans should have already been forgiven. I would like information as to when my loans will be forgiven. 

Also, my loans are in a non-interest accruing forbearance and it looks on my account that interest has already been charged on my account since the transfer. 

Id also like information on the XXXX  waiver as that should take care of my ex-husbands portion of the loans.
Complaint sub-issue: Deposits and withdrawals

Hello Cfpb, I recently filed a complaint towards Citibank and on XX/XX/XXXX they responded to the cfpb report XXXX they responded back stating no funds are owed to me. I had over {$5000.00} in my bank account and on XX/XX/21 citibank withdrew and took my money out HOWEVER THEY ARE NOT STATING WHERE THEY SENT THE FUNDS BECAUSE THEY ARE CLAIMING THEY DO NOT PWE ME MONEY HOWEVER THE MONEY THAT WAS IN MY ACCOUNT BELONGED TO ME. Citibank has took my money and they are NOT TELLING ME WHO THEY GAVE THE FUNDS TO SO I CAN OBTAIN THE FUNDS FROM THAT COMPANY. I do not owe anyone money and Citibank closed my account and on XX/XX/21 adjusted the funds BUT THEY ARE NOT GIVING AN EXPLANATION AS TO WHO/WHAT THEY SENT THE FUNDS TO. I have called them several times and the case officer XXXX was supposed to contact me to inform me who the funds were sent to however they are not cooperating. THEY ARE NOT BEING CLEAR AS TO WHAT THEY DID WITH MY MONEY THAT WAS IN MY BANK ACCOUNT PRIOR TO THE CLOSURE. I do. OT OWE ANYONE ANY MONEY AND THE MONEY THAT WAS IN MY ACCOUNT {$5700.00}. CITIBANK IS CLAIMING THE AMOUNT OF {$5700.00} is not owed to me WHEN IT IS OWED TO ME BECAUSE THAT IS MONEY THAT BELONGED/BELONGS TO ME. Citibank has my money and they are not informing where/who they gave the funds to. I NEED TO KNOW THE {$5700.00} who it was sent to BECAUSE CITI CLAIMS THAT MONEY IS NOT OWED TO ME. There previous response does NOT SPECIFY THE ANSWER I AM SEEKING. All citibank is stating is no money is owed to me. That money belongs to me and i need to know if the money is not owed to me then who is it owed to so i contact that individual to obtain my money!
Complaint sub-issue: You told them to stop contacting you, but they keep trying

Every week on Thursday, I receive approximately 2-4 calls from XXXX XXXX   XXXX. I have told them three times I am not who they are looking for and don't know how they have received my number. They claimed all three times that they have submitted a form into their system, stating the number is not the correct number. When they call, it is while I am in the middle of a shift at work, and I now have to silence my cell phone to ensure I don't get into any trouble with my employer. This affects me because if my fiance has a medical emergency or something happens to one of my family members, I am unable to hear the call.
Complaint sub-issue: Old information reappears or never goes away

On XXXX XXXX XXXXXXXX AND XXXX XXXX WAS REMOVED FROM MY CREDIT REPORT. NOW AS OF XXXX/XXXX/2017, THEY WERE PUT BACK WITHOUT NOTICE FROM EQUIFAX
Complaint sub-issue: Company closed your account

Citigroup Inc is closing my credit card account even though it is in good standing. I haven't missed a payment in two years. They are refusing to reissue my card to replace the expired card. They are closing my account with the reason being " Past Due '' payments. I have no past due payments and haven't for 2 years. The account will be closed at the end of the month
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/2021, someone broke into the common area of my condo and stole all my mail. I applied for a Citibank checking account and the debit card was also in the mail. Traveling abroad at the time, I received notification from the bank that my account was activated, which I did not do. Someone has stolen the debit card Citibank sent me and used the card to withdraw {$1000.00} from an ATM. Upon discovering the transaction on my account ( I logged onto the account on Citibank.com ), I immediately reached out to the Citibank fraud department through phone call the same day and notified them of the fraudulent transaction. I also filed police report with the XXXX, CA police department. 

After returning from my trip abroad, I visited Citibank in person at the XXXX, CA branch and the bank staff told me that the phone agent didn't correctly freeze my account and there were more fraudulent transactions on my account. I filed fraudulent report with the bank 's fraud department on all those transactions. The bank has access to the fraudulent checks that the thief has written on file, but refused to refund the two fraudulent transaction amount {$210.00} and {$1000.00}.
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 U.S.C 1681. 

Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : 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 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 and any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.I 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: Their investigation did not fix an error on your report

I recently disputed XXXX  XXXX XXXX account due to inaccuracies to the balances and company addresses. The dispute came back verified in less than a week. However once I disputed XXXX   on this website I was sent information that validated my dispute. The repossession from XXXX consist of so many errors but I will focus on the balance. The deficiency notice says that I owe them {$10000.00} the amount being reported states I owe {$10000.00}. Even after the going through all the paper work they sent me I actually owe alot less. But their document states {$10000.00} and the bureau is reporting {$10000.00}. They did not provide proof on how they verified the reporting amount. Attached is the paperwork sent from XXXX XXXX XXXX the owners of XXXX to this website from a previous dispute. The credit reporting agency have violated my consumer rights by not successfully investigating my dispute and continuing to report inaccurate information. Of they would have investigated properly they would have seen that the balances are different.
Complaint sub-issue: Information belongs to someone else

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, BANK XXXX XXXX, XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting ActXXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions The following accounts are all fraud and need to be deleted from my credit report immediately.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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: Reporting company used your report improperly

LexisNexis sold public record information regarding a chapter XXXX bankruptcy to the consumer reporting agencies without my written consent. Since then XXXX, XXXX, and XXXX have published this to my consumer report without my permission and have used to it against me hurting my ability to obtain credit. 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

I have contacted the courts and they reported back that they do not furnish this information to the consumer reporting agencies. I have also contacted XXXX  and they too reported that they only house court documents but do not furnish any information to the consumer reporting agencies. I have also spoken with XXXX, XXXX, XXXX and they all reported that LexisNexis is the one who supplies them with the information on public records.
Complaint sub-issue: Problem during payment process

I have a loan with SYNOUVUS/XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and SYNOUVUS/XXXX with no successful resolution. XXXX, XXXX  and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Complaint sub-issue: Problem during payment process

In XX/XX/2019 A payment was processed but it did not go through, I tried to resolve with company but it did not pan out. The payment was reported as missed, but the payment was processed it just did not get to the credit card company and I was not aware.
Complaint sub-issue: Account status incorrect

I have not missed any payments in over a year. I have NO collection or deliquent accounts. I have submitted 3 disputes in the last year and my credit score remains XXXX  XXXX XXXX. I make over {$150000.00} a year, yet Equifax says my credit score is XXXX! Please help ... ... ... ....
Complaint sub-issue: Account information incorrect

XXXX is mistakenly reporting me late in 2021. I made my payments satisfactory this year and I kindly ask the bureaus or CFPB or XXXX to remove this late payment in good faith. I have attached a copy of my bank statements showing payment made to XXXX and proof of my title.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX 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
Complaint sub-issue: Their investigation did not fix an error on your report

Once again I am opening a complaint against Equifax, since the XXXX closed my last one without a single thing being fixed. 
Equifax has been injecting errors into my reports and their responses for XXXX  months. 
Every time I have worked to correct those errors, they have made excessive soft pulls on my credit report, as a way to punish me for trying to fix their errors that they injected. 

My former complaint : COMPLAINT ID : XXXX was not resolved in any way whatsoever. They are sending letters to me by addressing me with the WRONG NAME on their address labels, and the WRONG NAME on their greeting. They have not fixed this whatsoever. I had also specifically requested that they not make any pulls on my credit score, and remove the excessive pulls they had made without fixing their errors. They ignored both. They pulled my credit again and they have not removed the excessive pulls they made before - meaning more than XXXX pulls on my credit in the last XXXX months, sometimes XXXX  TIMES PER DAY, often XXXX TIMES PER DAY, and/or at least once per day for consecutive days. 
I have photos to share of all these issues, if you provide a way to share them. 
I also attached photos to my XXXX complaint against them, but they ignored everything I was saying and just tried to close both complaints, which simply won't work. 
I will continue to escalate and confront this until it is fixed. 
XXXX needs to grasp that Equifax is injecting errors into consumers reports and not fixing them, but instead penalizing the consumer for confronting their mistakes by making excessive pulls on the consumer 's credit. Then they try to cross-sell the consumer to pay them money to get their credit report fixed " faster '' - which is tantamount to a business model based on holding someone's credit XXXX and demanding a ransom. 
It is not acceptable to me that I made a complaint with XXXX  and the entire thing wasn't remedied even slightly. These are not minor mistakes - my name is not a matter of opinion. It must be corrected. And Equifax should not be allowed to make excessive pulls on a consumer 's credit without fixing a single thing for XXXX months. It is both an issue of taking way more than XXXX days to fix something, and also not fixing the consumer 's issue all. 

PLEASE DO NOT CLOSE THIS COMPLAINT UNTIL I HAVE CONFIRMED IT IS ACTUALLY FIXED.
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 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 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: Reporting company used your report improperly

XXXX XXXX Youre in violation of credit reporting act 15USC 1681 ( b ) for unlawfully obtaining my XXXX, XXXX, and XXXX reports without my authorization and permissible purpose under the FCRA. As a result of you unlawfully obtaining my consumer report without my permission, you are liable to me actual damages or statutory damages up to {$1000.00} punitive damages. THE DATES LISTED BELOW ARE DATES MY CONSUMER REPORT WAS PULLED AS OF 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. 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. 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: Problem making or receiving payments

I am using an app named XXXX to pay my rent and it is not letting me link my PNC bank account to pay directly through the app.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX, in accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy,15 USC 1681section 6 0 4 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 166b a creditor may not treat a payment on an automobile loan account under anopen and consumer credit plan late for any purpose.
Complaint sub-issue: Reporting company used your report improperly

PLEASE REMOVE XXXX XXXX OFF AUTH USER. SS # XXXX ACCT # XXXX.