Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Can't use card to make purchases

I opened a Citibank XXXX XXXX advantage card on or about XX/XX/XXXX with a credit limit of XXXX. After the card was issued, I was notified by mail to verify my social security card. At the time I made copy of the social security card and mailed it to Citibank. On XX/XX/XXXX I called to request an update on the credit card. On the call I was notified that I did not send the second page of the social security card request form, of which no second page existed. I called again on XX/XX/XXXX at this call I was asked to provide my checking account information to confirm my identity, I refused to provide my banking information. I was told that I would be receiving a another letter requesting some other information to verify my identity. At this point I am frustrated with Citibank. There has been a hold on the card preventing me from using the card since opening the account. I am requesting CFPB to request Citibank for the reason for this delay in releasing the hold place on this account.
Complaint sub-issue: Problem getting your free annual credit report

sent two first class mail letter asking for hard copy of credit report from Equifax inc.Last letter sent XX/XX/XXXX, also phone twice XXXX XXXX XXXX XXXX .report never received.my name is XXXX XXXX born XXXX XXXX XXXX ss # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX il XXXX phone number is XXXX XXXX XXXX my email XXXX .lived this address since sometime XXXX.i was told to not use middle name to prevent I d theft. please have Equifax send credit report .XXXX XXXX and XXXXXXXX  contacted same day as Equifax sent credit report.i need to correct some data on their report. thank you, XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

I was told I was pre approved for a loan with XXXX XXXX XXXX through Credit Karma on XX/XX/XXXX. I was denied ( have email proof ) and this greatly impacted my credit score as the inquiry remained on my report for a year.

The following is text from the FTC report regarding the current lawsuit of which I am a victim. 

The FTCs proposed complaint alleges that, from XX/XX/XXXX to XX/XX/XXXX, Credit Karma falsely told many consumers that they had been pre-approved for credit offers, leading consumers to apply, incur a hard inquiry on their credit reports, and, if they are denied, potentially damage their credit scores unnecessarily.
Complaint sub-issue: Trouble with how payments are handled

I submitted a payment by mail to Nelnet ( loan servicer ) with explicit instructions that the amount of {$7300.00} was to be applied to Group A, Loan 1, which is my highest interest rate loan. Instead, they spread payment across all the student loans that I have. The other loans have a much lower interest rate. I assume they thought I would not notice and reap the additional monies earned through the higher interest rate. Student loan servicers should not be allowed to do this and should be required to apply payments to highest interest loan unless otherwise instructed.
Complaint sub-issue: Attempted to collect wrong amount

I had a car repossessed in XX/XX/XXXX. At the time I was out on XXXX  due to a work injury and a single parent. I was financially insolvent. VW Credit just submitted the charge off with tax year XX/XX/XXXX. Now the IRS is auditing my income for tax year XX/XX/XXXX. My understanding is that they are outside of the statute of limitation to charge off a debt that happens in XX/XX/XXXX in XX/XX/XXXX.
Complaint sub-issue: Reporting company used your report improperly

My personal information was stolen from Equifax. This is ridiculous and now I need to freeze my credit. I still have to pay for this. I do n't have any choice in using equifax with my report. My information is out there and is in danger of being used.
Complaint sub-issue: Their investigation did not fix an error on your report

Referring back to complaint # XXXX with XXXX XXXX, the investigation was completed and XXXX XXXX reported correctly the status of a mortgage account that was transferred/sold back in XX/XX/XXXX. XXXX   and XXXX  both have the information reported correctly on my credit report ; however, Equifax did not report the information as requested back in XXXX. My credit score has been significantly impacted with Equifax due to their error. This error was noticed on XX/XX/XXXX when I was trying to obtain financing for equipment for my business. I contacted Equifax and was told " we do not enter any information without the lender sending it over '' ; therefore, I initiated a dispute with my lender, XXXX XXXX. After the investigation into the matter by XXXX XXXX, the fault for my credit score dropping, dropping and dropping again is due to Equifax not reporting correctly on my report. Provided is documentation backing up my complaint. 
1 ) Copy of XXXX and XXXX credit reports indicating the transferred loan was reported back in XXXX. 
2 ) Copies of Equifax credit reports indicating my score and reporting of the loan in question on the dates ofXX/XX/XXXX ( indicating 2 mortgages open ) ; XXXX ( corrected report with 1 mortgage open ) ; XX/XX/XXXX( no mortgages open ) ; and XXXX ( open loan added back to make report correct AGAIN ). 

As you will see, my credit score went from XXXX to XXXX to XXXX to XXXX in a matter of 9 business days ... without any activity other than the Equifax entries. 

My question is ... Why did XXXX and XXXX get the information posted correctly back in XXXX and Equifax did not? Thru XXXX XXXX 's investigation, the information was sent to Equifax on XX/XX/XXXX, to report the loan as transferred/sold ... so why was it not done??? XXXX XXXX also resent the same information to Equifax on XX/XX/XXXX as a precautionary update and at that time, Equifax removed all open mortgage loans on my report. UGH! 

I am very upset with this entire ordeal, as it has caused me to not be able to obtain lending since my Equifax score is below the 620 threshold my bank requires! This is no fault of mine and I desperately need this score repaired immediately as I need to purchase a {$50000.00} piece of machinery for my business! 

Bottom line -- -- why did 2 out of the 3 credit reporting agencies get the information correct the first time it was reported and Equifax made four different entries on my report causing me to suffer???
Complaint sub-issue: Information belongs to someone else

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

This is your FINAL WARNING. Please BLOCK AND REMOVE the ACCOUNT resulting from alleged identity theft. 

XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$63.00}, and XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$630.00}.
Complaint sub-issue: Their investigation did not fix an error on your report

According to the Fair Credit Reporting Act, Equifax are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. 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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau date the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXXXX/XX/XXXX ) XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Please investigate the following claims versus me of which I've contested the reporter 's privilege to do so and launched challenges of the evidence supporting their claim of reportability! The information I suspect is in deviation from reporting requirements include but likely is not limited to the following so please require removal or evidence of reporting adequacy : XXXX XXXX  Account # XXXX Reporter making unverified accusations of injurious derogatoriness and or allegations of delinquencies elsewise does so without satisfying their requisite criteria to have even utilized the PRIVILEGE to report and further failed to substantiate claim 's report-ability upon my rightful challenges to demonstrate confirmed certifiably compliant reporting processes and practices such as provable absolute adherence to the mandates of reporting laws and standards including but not limited to that of the FCBA, FCRA, ECOA, applicable state regulatory requirements and or even that of the mandatorily utilized XXXX Data-filled field formatted reporting standards. Per XXXX 'S own XXXX manual, " ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA '' alleged, thereby bringing into question reality of reporter 's actual obeyance of laws. Federal reporting regulatory requirements include a minimal compliance of reporting to a degree no lesser than that of a MAXIMUM POSSIBILE ACCURACY AND MAXIMUM POSSIBILITY OF COMPLETENESS. YET, the reporter still reports deficiently despite my notifications of such and calls for them to vet their own processes and practices and abiding by the very standards deliberately designed to aid adequacy in lawful reporting. 

I can only assume the reporter was willfully noncompliant in their injurious unfair reporting or at best recklessly negligent in ignorance or purposeful disregard of consumer rights much less it's own reporting requisites to satisfy the very conditional criteria for their obviously assumed privilege to report. 
I request you to force the deviant reporting bodies involved to cease reporting at least until data alleged is certifiably compliant to mandates or else eradicate the allegations in permanence altogether!
Complaint sub-issue: Account status incorrect

Equifax ; XXXX  and XXXX are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when ALL of these accounts are in dispute. XXXX XXXX - XXXX ; XXXX  XXXX - XXXX ; COLORADO XXXX AND XXXX  - XXXX ; COLORADO XXXX AND XXXX - XXXX ; and XXXX XXXX  - XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.
Complaint sub-issue: Information belongs to someone else

I am glad to see some improvements to my report, including the removal of several accounts I had previously disputed. Yet, there are still some accounts on my report that are false and were resulted from identity theft. I am asking for your assistance in getting rid of the last few accounts on my report. Any accounts reported on an identity theft report must be blocked by the credit bureau in accordance with FCRA section 605b. 
XXXX XXXX Balance Owed : {$11000.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Complaint sub-issue: Public record information inaccurate

I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through eOscar. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway.

Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. Equifax refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.
Complaint sub-issue: Received bad information about your loan

MOHELA intercepted my student loans during consolidation for the purpose of PSLF. As of XX/XX/XXXX, they have restarted my loans at a higher interest, disqualified me from my qualifying payments and cancelling each document I submit. I have been in public service for over ten years with student loans dating back to XXXX. I have filed a complaint with DOE and MOHELA with no response. They do not offer options to resubmit information or recalculate their error. It was a scam for MOHELA to obtain all student loans, gain interest, and complicate the process with no way to track or resolve any issues. I have uploaded employer documentation at least three times and the online portal says " not verified ''. When I call, it goes to an automated line where I have to input my DOB. The response is " your information can not be found ''. I don't know what else to do and the deadline for PSLF is XX/XX/XXXX.
Complaint sub-issue: Was not notified of investigation status or results

I am filing complaint because the credit bureaus has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all informatio which can not be verified. '' that I have disputed. Please  resolve this manner as soon as possible. Thank you.
Complaint sub-issue: Account status incorrect

This is not correct! These accounts have never been late. I've never been late with my debt payments. I'm aware of my responsibilities! You are causing me stress by reporting inaccurate information!
Complaint sub-issue: Received bad information about your loan

I have my student loans currently with FedLoans. I am trying to qualify for Public Student Loan Forgiveness.

I initially had my loans with XXXX ( XX/XX/XXXX - XX/XX/XXXX ) which all have counted towards forgiveness except for my payment on XX/XX/XXXX. 

I then transferred them to FEDLOAD in XX/XX/XXXX. 

I made my payment on XX/XX/XXXX as shown in my bank records I uploaded ( see page 2 on both documents, payment to XXXX  ). 

I looks like when these were transferred, my credit for the month it happened was not given credit but I clearly made my payment. 

I tried to have FedLoan fix this but they have never done this. Please help!
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this 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. 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 n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us 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 three negative credit items outstanding debt now. 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 XXXX XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Complaint sub-issue: Funds not received from closed account

My name is XXXX XXXX and Ive been dealing with US BANK for 3 months about my money thats sitting in the account and havent been closed yet. Which I contacted them the first time stating to close the account and they replied they closed it XX/XX/2021 which its now XX/XX/XXXX and the money is still in the account. Im tired of the lies with us bank send the money back and close the account. Yall see the name and social doesnt match the name on the account so why not send it back? It shouldnt even have been accepted because the account was suppose to be closed in XXXX but someone claim I told them to keep it open when I never talk to us bank STOP LYING US BANK AND ACTUALLY CLOSED THE ACCOUNT AND SEND THE MONEY BACK THATS MY WIFE CHECK AND WE REALLY NEED IT I DONT WANT TO TAKE THIS FURTHER THAN IT SHOULD BE JUST CLOSED THE ACCOUNT ENDING XXXX and send the funds back! ITS NOT YALLS AND IT AINT MINES EITHER SO SEND IT BACK! I was told it closed on XX/XX/XXXX and I call customer services and find out they still have it pending for closing so Us bank is a liar
Complaint sub-issue: Was not notified of investigation status or results

ON XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. 
Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted
Complaint sub-issue: Information belongs to someone else

I was looking to rent an apartment and when I pulled up my credit I found an unpaid negative fraudulent account on my file. I always pay my bills on time I have no idea where these accounts came from. I live in XXXX OHIO. I noticed According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that does not belong to me. The following accounts in dispute are listed below : XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX # XXXX please delete these fraudulent addresses asap : XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX please remove the following unknow phone number : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX ( XXXX ) XXXX
Complaint sub-issue: Public record information inaccurate

Inaccurate information of Bankruptcy on Equifax report
Complaint sub-issue: Their investigation did not fix an error on your report

This account currently reports information illegally. There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Below are the inaccurate items on my credit report : Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Called outside of 8am-9pm

Title Max has called me before XXXX on XXXX separate occasions. I spoke with them to let them know that they were not suppose to contact me before XXXX or after XXXX. But they still did it anyway.