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

I opened a citibank checking account on XXXX XXXX, 2021. I tried to transfer money I deposited into that account to my other checking account with a different bank but it didnt work. On XX/XX/XXXX I called customer service because my account wasnt working and was told it was locked because they couldnt verify the cancelled transfer. I was told to wait for a letter with a reference number to verify my account so it could be unlocked. They mailed it out on XX/XX/XXXX and I got it on the XXXX, so I called back. My account was unlocked but I still couldnt log into my online account. On XX/XX/XXXX I called customer service again because my account was locked again with no warning. I was told that the service representative failed to follow proper steps during the verification process so they locked it again. I was also told that my account would be closed and when I asked about getting the money in it, I was told I would get a check in 1-2 months. I was also told I would get a letter explaining why its being closed but still havent received that. I inquired about getting the check sooner but was told to call another number. I waited some weeks and called the number on XX/XX/XXXX but keep getting hung up on with no answers about the check.
Complaint sub-issue: Information belongs to someone else

I went to help my son get a loan for college and when I spoke with the lady from the bank she told me that I was not able to get the loan right now because of my credit. I really didn't understand how because I don't have credit issues. I went to look at my credit and there is a XXXX XXXX account XXXX and some inquries : XXXX XXXX XXXX EQUIFAX MORTGAGE SER EQUIFAX MTG XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these. I contacted FTC and local police immediately also.
Complaint sub-issue: Debt was paid

XXXX was paid XX/XX/XXXX. The next correspondence was a collection notice XX/XX/XXXX.. 
If I had n't paid they would have sent me another bill and I did not receive any bills in all that time.
Complaint sub-issue: Didn't receive notice of right to dispute

XXXX.i dont know just got the letter today.i been trying to call the office and before I leave I went to talk to manager but she no need to do anything.so I think wrong file under my name.
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 XXXXXXXX XXXX  XXXX Account # XXXX, has violated my right to privacy. 
XXXX Account # XXXX, has violated my right to privacy. 
XXXX XXXX XXXX Account # XXXX, has violated my right to privacy. 
XXXX XXXX XXXX Account # XXXX, has violated my right to privacy. 
XXXX XXXXXXXX XXXX  XXXX XXXX Account # XXXX, has violated my right to privacy. 
XXXXXXXX XXXX XXXX  XXXX Account # XXXX, has violated my right to privacy. 
XXXX XXXX XXXX XXXX  Account # XXXX, has violated my right to privacy. 
XXXX XXXX XXXX Account # XXXX, has violated my right to privacy. 
XXXX XXXXXXXX XXXX Account # XXXX, has violated my right to privacy. 
US Dept Of EducationXXXX Account XXXX XXXX, has violated my right to privacy. 
XXXX XXXX Account # XXXX, has violated my right to privacy. 

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: Can't get other flexible options for repaying your loan

I was making payments on my student loans through an income based repayment plan when I returned to graduate school in XXXX. I was placed in an " in-school deferment '' without consent. When I called to inquire, I was told this was a mandatory process and that I " could make payments but why would you? '' I was young and did not understand, so I trusted the rep. My loans changed hands so many times, it was impossible to argue the situation. I finished my degree in the summer of XXXX and was still stuck in that forbearance until XXXX of XXXX. The hassle of getting out of deferment was more complicated and I left it alone. A few years after graduating, I went back to school in XXXX and again my loans were put into an " in school deferment '' during the COVID-19 pandemic. The loans again changed hands before I could resolve the issue. As a result, I do not get credit toward Public Service Loan Forgiveness for months that forbearance was forced upon me without my consent. Because my loans have changed hands so often, I can not even remember who had my loans at each point in time. I know I have had loans through XXXX XXXX, XXXX, XXXX, and more. They are now owned by Mohela since I am working toward Public Service Loan Forgiveness.
Complaint sub-issue: Information belongs to someone else

I called the 3 credit Bureaus after I purchased a credit report in XXXX After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report hich are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit inquiries on your report that you don't recognize

The following lenders have accounts opened under my name without my consent. The address they have on file for me doesn't even correlate with my home address. I am a victim of identity fraud, I have filed an FTC report and filed a police report. I am demanding the following listed lenders update my credit report within 30 days of receiving this or I will pursue more legal action to file law suit under fair credit reporting act section 609. 
XXXX XXXX Opened XXXX XXXX in amount of {$2200.00} XXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX in amount of {$950.00} XXXX XXXX XXXX  Opened XX/XX/XXXX in amount of {$710.00} XXXX XXXX XXXX  Opened XX/XX/XXXX in amount of {$650.00} XXXX XXXX XXXX Opened XX/XX/XXXX in amount of {$590.00} XXXX XXXX XXXX  Opened XXXX XXXX in amount of {$330.00} Below I have attached my identity theft report that contains additional creditors who also have unlawfully opened accounts under my name.
Complaint sub-issue: Trouble with how payments are being handled

On XX/XX/2022 I contacted XXXX @ MOHELA separately to request payments to be returned to me that I made during the XXXX XXXXXXXX pandemic pause. I have been calling every month to request updated on when the money will be sent to me but I keep getting told they are working on it. its currently been over XXXX  days and I have not gotten a response or been sent my money. I am not sure what to do but I know its been long enough for them to send me my payments back.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2020 I requested that Equifax investigate and validate the following accounts reporting on my credit report : I am exercising my right under the Fair Credit Reporting Act, Section XXXX, to request information regarding an item that is listed on my consumer credit report : 1. XXXX XXXX ( Acct # XXXX ) 2. XXXX XXXX ( Acct # XXXX ) As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be immediately removed from my credit report within 30 days. 

On XX/XX/2020 I advised Equifax that previously disputed accounts I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete the negative information for the following accounts : 1. XXXX XXXX ( Acct # XXXX ) 2. XXXX XXXX ( Acct # XXXX ) On XX/XX/2020 I advised Equifax that previously disputed accounts I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete the negative information for the following accounts : 1. XXXX XXXX ( Acct # XXXX ) 2. XXXX XXXX ( Acct # XXXX ) On XX/XX/2020 I advised Equifax that previously disputed accounts I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete the negative information for the following accounts : 1. XXXX XXXX ( Acct # XXXX ) 2. XXXX XXXX ( Acct # XXXX )
Complaint sub-issue: Investigation took more than 30 days

Contacted XXXX, XXXX, and Equifax regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX2020 via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts and inquiries which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agencies are required by law to remove any accounts and information which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these itemc from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX  XXXX Balance Owed : {$560.00} XXXX XXXX Balance Owed : {$940.00} XXXX XXXX Balance Owed : {$850.00} XXXX  XXXX Balance Owed : {$760.00} XXXX XXXX XXXX  XXXX Balance Owed : {$500.00} XXXX XXXX  XXXX XXXX Balance Owed : {$260.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft and have been a victim of identity theft for well over 11 years. I have an unauthorized and fraudulent account listed on my XXXX XXXX, Equifax and XXXX credit report that 's fraudulent. The following account is fraudulent : XXXX XXXX XXXX account : XXXX. Please permanently delete this fraudulent account from my credit report.
Complaint sub-issue: Account information incorrect

UPGRADE INC., personal loan and XXXX  by my mortgage company, refinanced my house and loan has been paid since beginning of XXXX but still showing open on my credit. They even owed me a refund for overpayment. Yes I've received it but it shouldn't take this long to pay off on my credit.
Complaint sub-issue: Account opened as a result of fraud

Someone opened bank accounts in my name fraudulently with US Bank, XXXX XXXX, and XXXX that I know of. They also opened received a personal loan for {$35000.00} fraudulently from XXXX XXXX XXXX and attempted to open line of credit with Citizen Bank. Also opened credit cards with US Bank and XXXX. They also made purchases on my XXXX XXXX for over {$4000.00}. In addition, they also accessed the 3 credit bureaus and made changes to my personal information as well as filed fake consumer reports with the bureaus with fraudulent phone numbers. Scammers also forwarded my mail to an unrecognized address. This has all occurred during the month of XX/XX/2022. 

I have taken actions by filing disputes with all the banks and lenders that I am aware of that had fraud. Also placed freezes and filed security alerts with all 3 credit bureaus and check systems. Also added extra layer of security with my current banks and lenders with verbal passwords. Notified and cancelled the mail forwarding request with the Post Office. Also signed up for credit monitoring services to combat further identity theft.
Complaint sub-issue: Debt was result of identity theft

I contacted Equifax numerous times about removing the fraudulent accounts and inquiries on my credit report. At this point they are acting willfully and negligently and violating my right to privacy as well. I did not give my written consent to furnish the accounts nor inquiries mentioned below pursuant to 15 USC 1681b. 


ACCOUNTS : XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX ) XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) ( Date Opened : XX/XX/XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ( Date Opened:XXXX )
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XXXX I was charged for services by XXXX XXXX that were never rendered. I have attempted to resolve this issue with a simple dispute. I contacted XXXX XXXX, XXXX and Discover to let them know that I was fraudulently charged by a merchant for services not received. 

Although I have contacted them several times they have not resolved the matter nor given my a credit for this items. 

The charges are : XXXX XXXX XXXX XXXX XXXX + XXXX Discover XXXX These charges total XXXX. 

I reached out to XXXX for resolution because the credit card companies refused to resolve the issue. However, XXXX stated they are not responsible and the credit card companies have to resolve the issue. I also field a complaint with FTC based on XXXX telling me that the document the merchant provided was false and the transaction numbers have been altered.
Complaint sub-issue: Information belongs to someone else

I applied at XXXX apartments today XX/XX/20 and when they ran my credit I was told that I did not qualify to rent without a co-signer because there were accounts in negative standing on my credit history. I was confused to hear this because I don't have any accounts with negative payment history or at least that's what I thought because when I checked my credit report I saw two accounts that I never opened. The accounts are from these companies " XXXX XXXX '' & " XXXX XXXX XXXX ''. I never opened any account with these companies nor do I have any written/verbal contract with them and I did not give anyone else permission to open any account with those companies. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not take part in any payments that might have been made towards these accounts. I have filed this report to the best of my knowledge.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Ive reached out to Equifax and Ive informed them that I had 53 inquiries that I did not authorize or recognize and they still would not remove the inquiries I also have a credit repair person that has been sending out letters with no response
Complaint sub-issue: Can't stop withdrawals from your account

On XX/XX/21 I applied for a debt consolidation loan. I was contacted by a company that I believed was legit, I gave them my information. The company is named XXXX XXXX and I come to find out there not a real company. There is now constant withdrawals and deposits on my bank account which I have nothing to do with.
Complaint sub-issue: Problem with customer service

I have recently been temporarily laid off due to coronavirus. Im a XXXX  XXXX at a XXXX school and we have been forced to close due to this pandemic so my paychecks have stopped. As soon as I found out, I began contacting my bill companies. Every other company has worked with me by deferring my next payment to help me financially and help me not get into a serious financial situation or have my credit score ruined. CitiGroup has been the only company I have received NO assistance even with several calls to the customer service for both my CitiGroup credit cards. Im simply just asking for payment deferral until I can get my paychecks started back, after returning to work. Ive spoken to the customer service department and the hardship department at Citi. My first call was on XX/XX/XXXX, I then called again and for a 3rd time on XX/XX/XXXX and every time I was told they are aware of the coronavirus pandemic and financial hardship, but no plan is in place and bills are expected to be paid in full, on time. When I called back for the 4th time on XX/XX/XXXX I was transferred to the hardship department to see if anything could be done and was told again, no plan was in place. On the XXXX the person put notes on my accounts stating I am experiencing financial hardship and will be unable to make my payment, which is due XX/XX/XXXX, in full or on time. I called again, today, XX/XX/XXXX to inquire about a plan because my bill is due tomorrow. I was met with a very unprofessional rep named XXXX and she said there was simply nothing she could do about it. I asked for her supervisor and she gave me to someone named XXXX. She mimicked what XXXX said and said she was going to connect me with the hardship department to see if anything could be done. I was put on hold and then XXXX picks up the phone a few more times saying shes still waiting for the hardship department. She then picks up for the 4th time and literally says to me that the hardship department is experiencing high call volumes and she will need me to call back another day because she has to help other customers. That statement was extremely unprofessional. When I asked if I called back and they were busy again, she would they wait long enough to help me, as a customer, she just responded with hopefully they wont be as busy. Ultimately, no help as of tonight XX/XX/2020. My payments ( 2 cards ) is due tomorrow, I have been out of work due to coronavirus and CitiGroup is the ONLY company who has not assisted me with payment deferral. Please help me! Ive tried so much to reach out to Citi and theyve been unprofessional and had no sympathy on something that is financially devastating the whole world, COVID-19. I dont want my credit to be ruined due to this event that is out of my hands! I have a 100 % perfect payment history with not even ONE late payment. Ive taken pride in paying my bills on time and with Citi not working with me Im afraid Im spiraling towards bankruptcy! Help!
Complaint sub-issue: Personal information incorrect

This company Equifax is the worst company i ever had to deal with in my life. They are rude and don't know what they are doing for over 2 months now I have been calling them and so has my wife just to get the same answer " WE DON'T HAVE A SCORE FOR YOU SORRY ''. I let them know what could i do to get a score they told me to mail out and fax and email paperwork to there company. So i did i mailed out on XX/XX/2020 to XXXX XXXX XXXX XXXX, XXXX XXXX, I sent them a bill, a w-2, copy i.d, copy of social, and cover sheet. They told me to call the following week and they should received. i called back monday because i thought fax would be easier so i faxed to this # XXXX i enlarged all copies and sent them through office max as well have the receipt. i HAVE FAXED INFORMATION MORE THAN ONCE. I stated this going on 2 month now and now going closer to my closing date and still no help from them have made my life difficult and stressful and my mortgage company told me they will be delaying my closing date if we cant get all 3 scores released. mind you the other 2 credit bereu are able to pull my score equifax can not. On XX/XX/2020 a manger was able to email me a XXXX to update my information and she let me know she received everything and we are good to go and we should be able to relese my score well on XX/XX/2020 @ XXXX XXXX I called again and let them know i wanted to see if we can pull credit and the gentlemen could not help me so my wife got permission to talk to a manger and she let me know that the supervisor in charge this morning hung up on her and did not want to help my wife. so ic alled again around XXXX to get the whole run around that they don't have ANY PAPERWORK! after the manger on friday said she received it i also have the email that she sent me. this company will leave us homeless if they don't relese my score I am in the military and never have i been treated so unprofessionally