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

I was involved in the well-documented Equifax data breach. I am unsure why Equifax has a problem with me, but they continually treat me badly. They are removing GOOD accounts that were paid in full ( XXXX XXXX ) and refuse to allow me to dispute account information online, or over the phone. 

I have been locked out of My Equifax. I have been berated by their overseas representatives. And I am still yet to be shown their MOV ( method of verification ) of ANY dispute that I have requested. 

I recently sent them a formal dispute regarding the completeness of listed information. Under FCRA 609, I have  the right to request verification of ALL records pertaining to accounts on my report ; if said accounts are not verifiable, they are to be removed. I sent that Certified Mail, which was sent on XX/XX/XXXX ( USPS Tracking #  XXXX ) Over the years, I have dealt with many, many issues beyond the data breach with Equifax. More than any consumer should have to deal with. 

I fully expect a thorough and fair verification of the following accounts ( this does NOT mean using E-Oscar to exchange records ) : | | XXXX XXXX - XXXX agreed to remove per phone call on XX/XX/XXXX. 
Reported : XX/XX/XXXX {$10000.00} | XXXX XXXX XXXX XXXX - belongs to someone with same or similar name Reported : XX/XX/XXXX {$3400.00} | XXXX XX/XX/XXXX- never paid late. Should show a {$0.00} balance, pays as agreed Reported : XX/XX/XXXX {$200.00} | XXXX  / XXXX  - belongs to someone with same or similar name Reported : XX/XX/XXXX {$880.00} | XXXX XXXX - belongs to someone with same or similar name Reported : XX/XX/XXXX {$890.00} | XXXX/XXXX   - belongs to someone with same or similar name Reported : XX/XX/XXXX {$2500.00} | XXXX XXXX/XXXX   - belongs to someone with same or similar name Reported : XX/XX/XXXX {$5100.00} | XXXX/XXXX   - belongs to someone with same or similar name Reported : XX/XX/XXXX {$1500.00} | XXXX XXXX XXXX - too old to be on report ( should have been removed in late-XXXX  ; Date of first delinquency, and subsequent late payments, started in early-XXXX ) Reported : XX/XX/XXXX {$0.00} | XXXXXXXX XXXX XXXX - too old to be on credit report ( should have been removed in XXXX ) Reported : XXXXXX/XX/XXXX | XXXX XXXX - XXXX - I terminated service and do not owe a bill. Verify ALL data points. 
Closed on XX/XX/XXXX | XXXX XXXX XXXX - belongs to someone with same or similar name Closed on XX/XX/XXXX | XXXX XXXX XXXX - belongs to someone with same or similar name {$1500.00} Needs attention These accounts need to be RESTORED : XXXX XXXX Closed on XX/XX/XXXX - pays as agreed XXXX XXXX Closed on XX/XX/XXXX - pays as agreed These inquiries need to be removed ( all belong to someone with same or similar name ) : XXXX Inquiry from XX/XX/XXXX - XXXX XXXX, Tire Dealers XXXX  Inquiry from XX/XX/XXXX Jewelers XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX All Banks XXXX/XXXX  Inquiry from XX/XX/XXXX Miscellaneous XXXX/lXXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX XXXX XXXX XXXX , XXXX- Inquiry from XX/XX/XXXX Telephone Companies XXXX XXXX XXXX XXXX , XXXX.- Inquiry from XX/XX/XXXX XXXX
Complaint sub-issue: Trouble with how payments are handled

Re : FedLoan Servicing. My loans have been paid current at all times. I paid my loans through an authorized monthly direct debit of my savings account. 

I requested the changes to my direct debit information in late XX/XX/XXXX. When I did this, though the " update direct debit information '' ( online process ) I was advised multiple times that the changes would not take effect before my next payment due date ( XX/XX/XXXX ), and I would need to either make a manual online payment or mail a check to keep my loans current. Therefore, I made XXXX manual payments -- XXXX on XX/XX/XXXX and XXXX on my payment due date ( XX/XX/XXXX ) to make sure my account stayed current. Even on XX/XX/XXXX when I logged in to make a payment, my account page displayed that " no direct debit would be taken this month, '' as a notification under my account status. 

On XX/XX/XXXX, I made a manual payment in the amount of {$200.00} because Fed Loan communicated ( by way of notice on my online account dashboard ) that no direct debit would be taken out on XX/XX/XXXX as I had recently updated my direct debit information. I made my XX/XX/XXXX payment MANUALLY -- as I was instructed to do. 

On XX/XX/XXXX, FedLoan attempted a direct debit ( even though they communicated to me no direct debit until XX/XX/XXXX ). There were insufficient funds in my bank account for the second successive payment, as I had just made a {$200.00} manual payment, and I was assessed a {$24.00} NSF fee. 

On XX/XX/XXXX, FedLoan attempted the direct debit AGAIN. There were insufficient funds in my bank account for this successive payment, and I was assessed another {$24.00} NSF fee. 

I request a refund of the {$48.00} ( 2x {$24.00} ) fees assessed to me, because I believe it was Fed Loan 's error in attempting to extract a direct debit after advising me my direct debit changes were not yet in effect and no direct debit would be extracted. Had I not relied on that information from Fed Loan and in turn not made the manual payment, sufficient funds for a direct debit would have been in place, and no NSF would be assessed. 

I have since paid off my loan balance, and as a result I can not access the majority of my online account including payment history, notifications, etc. to obtain any documentation supporting FedLoan 's statements. However, I believe a portion on their Direct Debit Policy ( which I can no longer access on their website ) explains the practice of skipping the next direct debit following direct debit changes, and the need to make manual payment. 

I have contacted FedLoan and attempted to resolve this matter with them directly. Despite receiving an oral acknowledgement on XX/XX/XXXX from CSR ID # XXXX that FedLoan made the XX/XX/XXXX direct debit extraction in error, and a refund request would be submitted, the call notes conveniently omit this detail, and XXXX XXXX ID # XXXX and XXXX ID # XXXX advised the request was denied on XX/XX/XXXX -- though I received no notification of the request being denied absent having to ask.
Complaint sub-issue: Account status incorrect

On XX/XX/2019, I mailed a certified letter with supporting documents to Equifax disputing the account status of two accounts that were included in bankruptcy. Both accounts are currently reported at Charge Off which is inaccurate, since the two account were included in my bankruptcy. ( USPS tracking # XXXX shows that the letter was delivered on XX/XX/2019 ). Ive disputed the accounts twice, and Equifax refused to correct the account information. Instead, Equifax entered a comment on both accounts that states " consumer disputes account ''. 

On XX/XX/2019, I mailed a certified letter with supporting documents to XXXX  disputing the account status of two accounts that were included in bankruptcy. Both accounts are currently reported at Charge Off which is inaccurate, since the two account were included in my bankruptcy. ( USPS tracking # XXXX shows that the letter was delivered on XX/XX/2019 ). Ive disputed the accounts twice, and XXXX  refused to correct the account information. 

XXXX  is the only credit bureau that is accurately reporting the two accounts at issue. My XXXX   credit report shows that the XXXX and XXXX accounts were both included in bankruptcy
Complaint sub-issue: Didn't receive terms that were advertised

On XX/XX/XXXX I opened a checking account with Citibank with the advertisement that if requirements are met, I will receive 50k miles bonus to my XXXX XXXX account. Here is the ad : o First, open a new Checking Account between XX/XX/XXXX and XX/XX/XXXX ( Offer Period ). 
o Second, enroll in the Member XXXX XXXX More Checking Offer on the same day you open your new Checking Account pursuant to the instructions provided. 
o Third, complete Qualifying Purchases2 with your Citibank Debit or ATM Card corresponding to the Checking Account Package requirement in the Chart below within 60 days after the Eligible Checking Accounts Account Opening Date ; The maximum amount of bonus miles credited will be based on your Checking Account Package on the XXXX calendar day after the Account Opening Date and completion of the Required Activities ( see Chart below ). 
o Fourth, make 1 or more Qualifying Bill Payments3 for 2 consecutive calendar months within 60 days of the Checking Accounts Account Opening Date. 
o Fifth, to remain eligible, your Checking Account must remain open and in good standing from the time its opened until you receive your Bonus. 
Your AAdvantage Bonus miles will be credited to your AAdvantage account within XXXX calendar days from the date you complete all Required. 


On line # 4 you will see that it states complete 3 bill payments from this account.

During the 60day period, I paid multiple bills of mine through this checking account. On multiple occasions once the 60day period is done, I asked where the bonus miles were and they said I didnt qualify.

According to Citibank, I had to do set up the bill pay through their website or app. If you read line 4 there is nowhere does it say that it had to be set up through their website as this can be interpeted as just paying bills from this checking account. 

I have tried to work with them and have not been successful. I have explained that they can not not honor this promotion when it is their wording of the ad that is not clear.
Complaint sub-issue: Was not notified of investigation status or results

My personal information was exposed in several data breaches, bank & credit was compromised, resulting in accounts being closed. All documents were sent via certified mail to the credit bureaus to request items be deleted from credit reports. As of yet, I have not received a response from documents dated XX/XX/2021.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX XXXX  account. XXXX XXXX XXXX XXXX account. XXXX XXXX account. 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: Their investigation did not fix an error on your report

Equifax has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX  XXXX not mine XXXX  XXXX never late XXXX XXXX XXXX {$94.00} not mine XXXX  XXXX not mine XXXX   XXXX not mine CXXXX XXXX XXXX XXXX {$280.00} not mine
Complaint sub-issue: Information belongs to someone else

ftc violations sent to FTC also violations attached
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recently checked my credit report and saw that GENERAL REVENUE CORPORATE ran an inquiry on my credit report without my permission. Under the Fair Debt Collection Practices Act my social security card is my credit card and it was used without my consent. They have never sent me anything in writing asking for my permission to run my social security number now have they even informed me that they ran it and this was a month ago. They are committing aggravated identity theft and a report will be filed with the FTC because I have no idea who this company is or how they accessed my information.
Complaint sub-issue: Problem with fees

I applied for and received the Citi XXXX XXXX XXXX XXXX in XXXX XXXX ( account ending XXXX ). I paid the XXXX annual fee on XXXX XXXX XXXX and was using the card, and then Citi unilaterally closed the account on XXXX XXXX XXXX. I called Citi for a refund of the fee, since I had had the card for barely XXXX months and *they* decided to close the account not me and I was summarily rejected not XXXX but XXXX. So they charged me a huge fee but made it impossible to use the card.
Complaint sub-issue: Account information incorrect

I have disputed the XXXX XXXX Account several times stating that the account is reporting inaccurate information. Each time, Equifax has responded as account information verified. When the collection account was placed on my credit report, the information was inaccurate and never correct. The Original Balance has always been reported incorrectly. Equifax did not do what is required, make sure that all information is accurate before placing it on my credit report as well as investigating all information when disputed. The wrong Original Balance was always reported wrong but Equifax refused to remove the account as well as never attempted to correct the information. This is a direct violation of my rights. I have uploading supporting documents to my complaint. I have provided supporting documentation that shows where XXXX having to give me a credit due to me over paying on my account. A fair investigation has never been completed by Equifax but Equifax continues to report this account on my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has repeatedly verified the accuracy of Bankruptcy Case XXXX which is appearing on my consumer credit reports. Equifaxs claims that their subscription to XXXX is an acceptable form of verification. I have sent certified/return receipt dispute letters to Equifax requesting verification of the reported bankruptcy. These dispute letters were received by them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Upon receiving their last response that they once again claimed the bankruptcy was verified I requested, per FCRA 611 ( 15 U.S.C. 1681I ) that they provide me with a description of the procedure used to determine the accuracy and completeness of the disputed information. I informed them that FCRA Section 611 ( a ) ( 2 ) requires them to contact the furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged bankruptcy ; who they referred this dispute to ; and who responded back with the required verification. In the meantime, I also obtained a letter from the US Bankruptcy Court in XXXX, NY, which clearly stated that they do not provide any information to the credit bureaus. Equifax 's claim that they verified the Bankruptcy through the US Bankruptcy Court is false as I spoke with a clerk through the phone number they provided on my credit report and she provided me with a letter confirming that is false. Furthermore : PLEASE NOTE : Bankruptcy Rule 9037 which states that " personal identification information defined as individuals ' Social Security and taxpayer identification numbers, names of minor children, last four digits of financial account numbers, and dates of birth, be redacted from documents filed with the court. '' Therefore, Equifaxs claim that their subscription to XXXX was used to obtain verification is not only a violation of FCRA Section 611 ( a ) ( 2 ) which requires you to notify the party who furnished the disputed information, Equifax is also in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices '' by purposely reporting information that they have assumed is verifiable based off circumstance. I implore your agency to please assist me in having this unverifiable information from a database ( XXXX ) that does not allow access to any personal identification information, removed from reporting on my credit files. Equifaxs practice is highly damaging to my credit and I would be remiss not to request your assistance with this issue. Thank you for your time and assistance in this extremely important issue.
Complaint sub-issue: Information is missing that should be on the report

Upon checking my 3 credit reports I discovered the fallowing wrongs : a ) one mortgage loan ( with XXXX XXXX that was paid off in 2019 is missing from the reports. 
b ) on two of my reports I am shown an address where I never lived.

Suspiciously, this address is in my neighborhood, on the same street where I live, but at a different number. 
c ) the same wrong address shows up on my deceased spouse credit reports. 
As I am going though probate, and I am the personal representative appointed by court, I checked his reports and I discovered the same wrongs on his reports. 
d ) the mortgage loan from XXXX XXXX, is reported bizarrely, on the credit reports. 
Must mention that I was stationed away from home due to military obligations and dealt with fraud and wrongs created by XXXX XXXX, and not only, since 2019!
Complaint sub-issue: Information belongs to someone else

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX Original creditor : XXXX XXXX. XXXX XXXX  XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$37.00}
Complaint sub-issue: Information belongs to someone else

To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Public record information inaccurate

Now I have submitted three times to have my credit report corrected thus far XXXX XXXX and XXXX have cleared the Data Furnishers unauthorized on my credit report. On XX/XX/XXXX, the bureaus stated that they did not know who was reporting the Public records Case # XXXX. I sent this information to the FTC was sent on XX/XX/XXXX, but lost my complaint in the mail room - tracking # XXXX. On XX/XX/XXXX, I submitted a complaint with CFPB in which I was unable to access my account. After numerous calls and with verbal verification XXXX was removing the unauthorized bankruptcy. I was to receive the letter from CFPB as of XX/XX/XXXX, I still do not have the letter. I was informed by the CFPB that the letter has been sent and that they can still see letter from XXXX agreeing to remove the unauthorized Data Furnishers. XXXX and Equifax have stated they needed proof of my identity which is 100 % false. I was told by the CFPB today XX/XX/XXXX, that I needed to resubmit my claim for XXXX and Equifax to remove the unauthorized bankruptcy. 

Complaints XXXX XXXX, XXXX XXXX XXXX Equifax XXXX Public Records Caselaw Supreme Court Ruling XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Violations 5 USC 552a Violations 31 USC 3711 ( e ) Violations Public Records Act Violations Commercial Purpose Declaration 42.56.070 ( 8 ) Attached is proof of my submissions to XXXX and Equifax. I am not including XXXX because they have removed the Data Furnishes.
Complaint sub-issue: Can't close your account

On XX/XX/2021, I contacted the company about the closing of my Discover It secured account. I wanted to know why my security deposit had not been returned to me since according to my statement on XX/XX/2021, my account has been closed as requested by me. Also, by XX/XX/2021, all 3 major credit bureaus also updated and reported the account as closed. By XX/XX/XXXX, I had received a check for XXXX cent for the remaining cash rewards balance. I was given the general response about the return of the security deposit. I explained to the CSR that this card had been reported as closed on my statement and the credit bureaus, but their system still has it listed as active because they have yet to send back my security deposit. I also told her that " It may take '' is not a definitive timeframe and leaves a lot of room for the company to essentially not return my security deposit in a timely manner. I owed no other interest and no other charges had been made. The account was paid in full prior to me requesting closure. I also told her that the company had no legitimate, legal reason to continue to hold my security deposit. I was supposedly transferred to a manager and given the same generic response. Essentially, the both of them were telling me that because they put that general statement in their policy, they had the right to hold my security deposit until that timeframe and nothing I say would change that. They believe that in stating in their policy " it may take '', rather than " it will take '' this or that amount time, it gives them the right to refuse to return my security deposit until they feel like it, not exceeding the 2nd statement & 10 additional days timeframe. This is a direct and clear violation of my consumer rights because they have no other legal or business reasons to not return the deposit at this point. This just can not be legal, and if it is, I implore you to look deeper into it because it is a totally violation. I have exhausted all other means to have them close out my account, in its entirety, in their system and return my deposit to no avail. This just is not right! Please help me!
Complaint sub-issue: Account status incorrect

I was alerted by a bank I am in the middle of securing a loan with that XXXX XXXX XXXX XXXX has marked a discharged account into a charge off status illegally. The accounts they reported with balances of {$15000.00} and {$450.00}. They flagged my Equifax and XXXX illegally and reported charge offs after being discharged in a chapter XXXX bankruptcy back in 2017. If all accounts are not removed I will be moving forward in a lawsuit to sue them for illegally reporting to the credit bureaus inaccurate information. They are no longer to even check my credit report by law and its being flagged by them. This has negatively affected my credit and my loan I was in the middle of obtaining. They refreshed the account which made my credit drop nearly 100 points. It is unlawful and very illegal and had caused my family and I great hardship during a pandemic.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with 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 account # XXXX XXXX XXXX XXXX account # XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX Has violated my rights. 

XXXX5 U.S.C 1681 section 602 A. states I have the right of 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