Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Was not notified of investigation status or results

I have sent out letters about things on my credit report that were unknown and not accurate at all. This was back on XX/XX/2021. Ive been waiting more than long enough for a response. I know for a fact that it is well over 60 days and I still havent heard from the bureaus. According to my recent research the rule is that if I dont get these inaccurate items on my credit report investigated within 30 days, they MUST be removed immediately. I totally understand that because of COVID 19, things may move a LITTLE slower. But with it now being well over 30 days past time ( 60 days total ) these unknown items MUST be removed so that I can continue on with my life. These accounts have honestly caused me stress and are much of an obstacle when trying to get my new home. I shouldnt have to be punished for the bureaus not doing their job. With my information being impacted by the Equifax Data breach, it could have possibly got into the hands of the wrong person. Either way, I am tired of dealing with this and it needs to be fixed ASAP. In fact, if these accounts are not removed immediately, it leaves me no other choice but to file litigation. I already gave each bureau my authorization to work through this process of removing this mess from my credit report, so fixing this shouldn't be a problem.
Complaint sub-issue: Charged too much interest

Late evening of XX/XX/18 I called Citibank. After spending about 15 minutes identifying myself, I was helped by a woman in the XXXX I think. She was nice enough, but didn't have many answers. I called because CitiCard had charged me {$82.00} interest on the previous statement. Theprevious balance coming into XXXX was {$6900.00}. I had had trouble getting on line to make payments in the previous month and my interest charges were {$66.00}. I wanted to terminate the high interest charges so I called Citi and asked how much I had to pay to avoid further interest charges. I was told that all I had to do was to pay off the " new balance '', XXXX. So on the date due, XXXX XXXX, I paid {$7000.00}, thinking that I could move forward with no further finance charges. Didn't happen. And the Citibank card center lady had no explanation. When I make a sincere effort to pay the correct amount and am misinformed, I think that Citi should make it right.
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. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 MAKER 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 REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Complaint sub-issue: Was not notified of investigation status or results

I sent a letter regarding inaccurate info and unknown things being on my credit report to Equifax60 days ago. I have not received as response yet and seems as if my disputes being ignored
Complaint sub-issue: Their investigation did not fix an error on your report

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Complaint sub-issue: Need information about your loan balance or loan terms

I sent CFPB a complaint on X/X/17 stating that I did not agree to cosign a student loan for my granddaughter. Sallie Mae responded X/XX/17 stating that they could not provide a call recording because it is proprietary information. They attached the Application, Promissory Note and Final Disclosure.
On the promissory note, page 4 it states " Your signature on this Note is binding ... '' The Note is 7 pages and there are no signatures on any of the 7 pages, nor are there any signatures on the Final Disclosure.
Complaint sub-issue: Account status incorrect

I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 
XXXX XXXX Date Opened>>> XX/XX/2013
Complaint sub-issue: Account information incorrect

Citibank is reporting incorrect information as a part of their " free '' XXXX  score service. For the past two reporting periods they have reported inaccurate information, showing my credit score dropping significantly ( over 100 points ). Upon contacting them to inquire the reason, they point to the XXXX score as the basis of their score model. However, upon investigation with XXXX, there was no significant change to my XXXX credit score. Re-inquiry with Citibank with the explanation of this lead to no additional help or changes to the score from Citibank. Despite only having accounts with Citibank, and never having any accounts be deliquent or late, they still would not provide rationale as to why their XXXX score was negatively impacted by " late accounts ''. Upon my request to open a dispute for Citibank to investigate, the opening of the dispute was not confirmed via notification to me, nor was the status or supposed resolution of the case communicated.
Complaint sub-issue: Trouble closing card

Good afternoon, I received a prepaid reward card from XXXX for {$220.00}. It expired on XX/XX/2021. I wrote to XXXX to ask for the card to be re-activated, or have the account closed and a check sent to me, which could be done for a fee. I referenced the CFPB statement on expired prepaid cards and provided the link as well. I received a response ( see attached ) which directed me to the online redemption website to see if the card could be re-issued. I did that and was informed that the card was expired and could not be replaced ( see attachment ).
Complaint sub-issue: Problem with fees

Citibank, credit annual membership fee of {$50.00} charged. I paid it on XX/XX/XXXX. They claim I was 3 days late. Rarely use the card. they charged a late fee of {$29.00}. They then charged a late fee on the late fee of {$30.00}, giving a total owed of {$59.00}!
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

Equifax is keeping me from cancelling my subscription. When I try to log in I am told it is the wrong login information which is the information I keep in my XXXX XXXX account. When I try to get help logging in I enter all the information they request such as Social Security number, name date of birth, mobile phone number and email address, I am told that they are unable to help me. I have already signed up for XXXX  Credit Reporting, so can you see my dilemma? Thank you for any help you can provide me.
Complaint sub-issue: Fees charged for closing account

XXXX there was a single fraud charge on my debit card..police report XXXX. The staff accidentally put several other charges into fraud .... causing a disaster with my funds. The only charge I disputed was from XXXX XXXX. I live in Montana. On XXXX. I closed my accounts, with my personel banker, XXXX ... at a XXXX balance. On XXXX I walk into the branch office, XXXX says your account is overdrawn. This is how I found out, they did not notify me. Also they forced closed a closed account for XXXX fee. I only signed off on one fraud charge. To many odd mistakes. They all nounce me back forth, telling me this is my fault. I didn't push any buttons by Mistake. The default company says my balance with them is the branches problem. The branch will not accept my calls. My security code has been removed, I can not access an account which I closed and am being told I have pay this amount. Several years of loyalty to this bank and iam shoved around, yelled at by this companys staff. The branch manager, on a three way call with 800 at the beginning, lied to me face to face, never took responsibility, no one did, as this is all my fault.
Complaint sub-issue: Information belongs to someone else

I have been in contact with Equifax and they have told me that fraudulent items were off of my credit report and they were supposed to send me an updated report but they did not. I checked on XX/XX/2020 and they told me when it updated I would see the changes and yet it's even worse than it was before because there are accounts that were removed that are now back on my report. I am including proof of this and they simply need to remove these fraudulent accounts as there are only 2 active accounts on my file and 2 closed accounts on my file, XXXX and XXXX XXXX, active, and XXXX XXXX  and XXXX  mastercard closed. 
Equifax needs to correct this within 4 business days from the XXXX of XXXX to the XXXX of XXXX, 2020.
Complaint sub-issue: Information belongs to someone else

I have sent in multiple FTC reports dating back to XX/XX/2022, police reports, and letters from actual creditors and bankruptcy courts showing that two XXXX XXXX accounts, XXXX XXXX bankruptcy, and XXXX XXXX XXXXankruptcy, and multiple inquiries were a result of fraud. XXXX and Equifax refuse to follow FCRA and delete these fraudulent accounts, as well as bankruptcies from my credit reports. Instead, I received a " verified '' letter after sending documentation from the courthouse and capital one stating they have no records of those accounts using my name and social. I have requested XXXX and Equifax that they send a method of verification within 30 days both failed to respond to the letters. This is beyond frustrating as I am in fact an Identity theft victim. These companies refuse to follow the laws in place to correct this matter. This is my final result before filing a small claim lawsuit for defamation.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  # XXXX .... 
XXXX XXXX XXXX XXXX # XXXX .... 
XXXX XXXX XXXX  # XXXX .... 
XXXX XXXX XXXX XXXX # XXXX .... 
XXXX XXXX XXXX XXXX # XXXX .... 
XXXX XXXX XXXX XXXX # XXXX .... 
XXXX XXXX XXXX XXXX # XXXX .... 
XXXX XXXX # XXXX .... 
XXXX # XXXX inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/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: You never received your bill or did not know a payment was due

I was shocked when I reviewed my credit report and found 90 days late payment on the dates XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}, {$14000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 


-- REAL ESTATE LOAN 3. XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Personal information incorrect

I recently pull my credit report from all three bureaus and notice names, and addresses not associated with me nor never have been reporting on my report. I never use any other name but the name on my ID as well as any other addresses besides the XXXX on my ID.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Im a victim of identity theft. And i have witnessed inquiries i did not authorize nor were made aware of. This is holden my credit in a negative position.
Complaint sub-issue: Account information incorrect

XX/XX/XXXX, I purchased my home having a balloon account 80/20. Meaning, I have a first and second mortgage on my property. The first mortgage company is the XXXX XXXX XXXX and the second mortgage company is XXXX XXXX. Receiving my current credit report, there are a total of three mortgage accounts that are reflecting inaccurate information on my Equifax credit report. 

XXXX XXXX XXXX XXXX is reporting to Equifax two open mortgage accounts. THER IS ONLY ONE MORTGAGE ACCOUNT WITH THIS COMPANY. What is reporting is an account in the amount of {$48000.00} and another account in the amount of {$49000.00}. This type of error can hinder my creditability and place my debt ratio in a higher bracket. Again, I only have one mortgage account with XXXX XXXX. 

I contacted Equifax on XX/XX/XXXX via certified mail to inform them of the error. Aso, I have reached out to XXXX XXXX to rectify the issue. As of XX/XX/XXXX, the issue has yet to be corrected. Reporting inaccurate information on a consumer report can lead to further action to take place against reporting companies.
Complaint sub-issue: Information belongs to someone else

This dispute is a follow-up to my original dispute regarding an inaccuracy in the credit reporting from XXXX, Equifax and XXXX. Specifically as it relates to credit inquiries that I did not authorize, made by the following companies : Inquires : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation if the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

I previously submitted a dispute to the companies above and I have received a letter from the companies that the inquire ( s ) would be removed but, XXXX, Equifax and XXXX   has  failed to correct their erroneous reporting. I have maintained careful record of my communication and I have attached the inquiry removal letters from each company from previous attempts to have the inquiries removed. I'm making this final goodwill attempt to get these inquiries removed.
Complaint sub-issue: Information belongs to someone else

I AM A VICTIM OF ID THEFT. I HAVE PROVIDED THE NECESSARY DOCUMENTS TO BLOCK THE INFORMATION FROM BEING REPORTED HOWEVER, THE CRA 'S REFUSE TO BLOCK SAID ITEMS LISTED.
Complaint sub-issue: Funds not handled or disbursed as instructed

On XXXX XX/XX/2018 I desposited my school refund and a cashiers chque in the total of amount of {$47.00}, XXXX. 

The monies were available for more than thirty days which my bank PNC then determines the cashiers check was fraudulent and took all the monies back with out an investigation. Are banks insured by FDIC? 

Never in my life have had a check bounce. How will my bills get paid? PNC took all money back and spoke with an investment bankers who said they were not suppose to go in my account and do that without an official investigation.
Complaint sub-issue: Trouble with how payments are handled

I am former student of XXXX XXXX, I have a genesis loan that is in default. I currently owe {$7.00}. The school is now being sued and is under investigation for fraud. The school was a joke ; they where so worried about collecting the monthly payments for the Genesis loan that they would pull students out of class and away from there studies. 

I strongly believe that I am not responsible to continue paying on these loans because I did not finish the course. The schools curriculum was not that of a regular college. XXXX was over packed with teacher to student ratio. In the class room the students had to stand or find setting because they over packed there classes. Half the time the book store did not have the books needed for the class and they where on back order ; this cause student to have to wait to take a class and or share with a class mate. This made students unable to finish work on time. 

I want to be able to go back to school and finish my degree, but I am not able to due to so with this genesis loan. The lender is not people friendly and they seem to not want to help with paying back loans ; they are rude when you call and state that they are unable to take less than {$200.00} a month in payments. This is outrageous for a single mother that works full time.
Complaint sub-issue: Indicated you were committing crime by not paying debt

This is a fraudulent document presented by IC Systems. I did not and would not agree to such terms.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

I was scammed by a company on XXXX posing as a XXXX XXXX firm. I waited 30 days to dispute the charges after realizing they were a scam. They blocked me on XXXX. I reached out to Direct Express to file a dispute. They did. I received paperwork to sign and send in, which I did that following Tuesday. I kept calling and they claimed they didnt receive it. The last call they told me that the dispute was closed out. Were talking about {$790.00} in a scam charge and they refuse to even investigate it because THEY lost the paperwork. I record every call with Direct Express. The gentleman said I had to verify my account before opening the dispute again. I did. Instead of it taking 5 hours it took 7 days. In record every call - the email given to me by the rep was incorrect. They verified my account and I called back. A XXXX  rep spent 20 minutes on the phone giving me instructions on how to open back the claim to be investigated. She said because I stated they lost my paperwork and I refuse to say the post office lost it shes not allowing me to open my claim. I told her thats fine I recorded this entire conversation. This woman sounded XXXX XXXX, please listen to the recording. She slammed down the phone on me. I called back, this rep now tells me she doesnt know what Im talking about they dont have an email. I explained the situation and she looked over the account and said the claim is open but next to it there are 3 question marks and it says unassigned. What can I do about this company? The merchant are scammers. Professional scammers. XXXX them. Direct express wont even investigate it. This is a lot of money. What can I do as a consumer? I will be reaching out to the media with the voice XXXX recordings. Direct express refuses to investigate claims and their excuse is you didnt send the paperwork not to mention theyve been sued by federal courts for their financial abuse to XXXX individuals. I will not stop until I get every XXXX back.
Complaint sub-issue: Reporting company used your report improperly

My financial information was hacked due to Equifax 's negligence.
Complaint sub-issue: Problem during payment process

Dear FTC, On XX/XX/XXXX I received an alert that my checking account was overdrafted. I checked my account and it appeared a payment I did not authorize was charged against my Webster Bank Visa Card for XXXX On XX/XX/XXXX I made several calls to the Visa / Webster bank credit card company and they said nothing could be done since the payment was processing. They said that I signed up for " autopay '' which I did not. I searched my email and could find no record or confirmation that I signed up for autopay. The supervisor could not explain and the fraud department could not explain when I signed up for autopay and affirmed that all of my payments appear to be " webpay '' ( meaning I pay manually ). 

They said to call on XX/XX/XXXX as the payment will have posted. Webster/Visa says it will take 15-17 days to restore my funds and my bank says it can issue a provisional credit in 10 business days. 

By charging {$1700.00} against my account they have triggered an overdraft from my checking account and left me without access to cash. 

I did not sign up for autopay and believe the Webster/Visa bank may have " robo-signed '' me up for autopay of the full balance without my consent. 

I am asking for an emergency intervention to restore my funds to my checking account.
Complaint sub-issue: Problem using a debit or ATM card

On XXXX XXXX, 2022, an unauthorized transaction was credited to my debit card for {$40.00}. I reached out to the financial institution via phone call to dispute the transaction on XXXX XXXX, 2022, as well, and I was informed that an investigation would be started. I received a letter from the financial institution dated for XXXX XXXX, 2022, stating that the transaction dispute has been resolved and no error occurred, and that the transaction is valid. As stated before, I did not authorize this transaction and pursuant to 15 USC 1693g ( b ) - the Burden of proof is upon the financial institution to show that the electronic fund transfer was authorized by me the consumer. The following financial institution has failed to provide me with any proof that the said transaction ( s ) was in-fact authorized by me pursuant to the key elements under 15 USC 1693g ( a ). As law states, pursuant to 15 USC 1693g ( e ) - Except as provided in this section, a consumer incurs no liability from an unauthorized electronic fund transfer. I did not authorize this transaction, and this financial institution has not provided any investigation proof that I did in-fact authorize this transaction. My funds ( {$40.00} ) shall be returned to me immediately.
Complaint sub-issue: Problem with personal statement of dispute

XXXX XXXX XXXX Misaddress My Us Bank XXXX! On XXXX I Had Discovered My Card Did Not Come In A Timely Manner There Was Over XXXX Dollars Or More Took Out Of The Account ...!! I Had To Get A New Card Sent To My Home Address ... There Were Reports Written Out By The XXXX Police Department As Well As To The Company Was Informed As Well And Did Nothing About The Miscellaneous Transaction ...! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX Is My New Number And The Number Associated With The Account was XXXX ....!