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

There is a student loan from  XXXX  in  XXXX  that has been discharged that still appears on my credit report. There are  XXXX  loans from  XXXX  that were consolidated into  XXXX  loan in  XXXX  but still displays  XXXX  from  XXXX  so indicating I have  XXXX  student loans altogether when I have  XXXX  open. Also ombudsman group advised  XXXX  to remove ALL payment history from my credit for all my student loans prior to  XXXX  when I filed bankruptcy and they still have n't done it. This is negatively affecting my credit dye to it indicating I have multiple closed accts plus and open {$12000.00} acct and still displays payment history as well. They have removed some payment history but not all.
Complaint sub-issue: Debt is not yours

I had purchased a phone from sprint before the merger back a few years ago upon not wanting the phone I shipped XXXX back the phone. I have the shipping label for their tracking and they changed the amount owed on my account and put it in collections. It has ten been sold to two companies and I.C Systems , INC has the collection account now. I explained this to them and they could not provide me the contract that XXXX stated I signed to show that I was fully enrolled. The account only shows on my XXXX and if possible I would like this removed without payment because I sent back the phone that they charged me {$830.00} for in the past.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I never authorized this company to run my credit bureau reporting on XX/XX/2018
Complaint sub-issue: Was not notified of investigation status or results

Hello my name is XXXX XXXX and i am reaching out to you concerning my credit report. On XX/XX/2021, I sent a letter regarding inaccurate and unknown information on my credit report. It has been over 45 days and I have not received a response to my disputes. I feel as though Im being ignored, and my issues aren't being promptly resolved. Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report and it has been over 60 days so they should be deleted promptly. I demand these accounts be removed or I will be forced to seek litigation. My information was also impacted by the Equifax breach and may have gotten into the hands of the wrong people.
Complaint sub-issue: Debt is not yours

Sometime in XX/XX/2021 I received a collection notice from TRS Recovery Services stating they were attempting to collect a debt on behalf of XXXX XXXX XXXX, in the amount of {$200.00} for a transaction initiated on XX/XX/2021. I immediately disputed the debt because I had never conducted any money transactions there. They continued to harass me after I disputed the debt. Finally, on XX/XX/XXXX, they provided me with a copy of the transaction and it WAS NOT INITIATED OR SIGNED FOR BY ME! It turned out that my husband did it. They NEVER sent a notice to him! They said " well isn't it a joint account? '' I advised that even if it was I did not make the transaction so why am I bring penalized? Finally I filed a document with their forgery dept as advised and they sent a letter saying they agreed it was not me and they would return the debt to telecheck. At the end of XXXX my husband died of XXXX at the age of XXXX. They never did try to collect from him or reassign the debt appropriately. Now almost a year later Telecheck gave it to another collection company, XXXX XXXX XXXX and I'm right back in it again. And since Telecheck is stating the debt is mine I have been unable to open a checking account and close thr joint one. I am unable to write checks it's been a nightmare!! I realize that I may be responsible for his debt but that's different issue and I should not be marred by telecheck and harassed by their collection agencies!!
Complaint sub-issue: Information belongs to someone else

To the three ( 3 ) major credit reporting agencies, please remove these accounts from my credit report, I have no relations to the following accounts, no contract, nor any knowledge of these accounts whatsoever. I'm demanding that they either be removed or verified by certified physical documentation. XXXX XXXX XXXX {$3600.00}, XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX {$470.00}, please delete the above accounts from my report.
Complaint sub-issue: Not given enough info to verify debt

AS EOS IS NO DOUBT AWARE, I HAVE REQUESTED THAT VALIDATION BE MADE ON THIS ALLEGED ACCOUNTS INFORMATION, I DID NOT REQUEST VERIFICATION OF THIS ALLEGED ACCOUNTS INFORMATION. EOS HAS NOW LEGALLY EXCEEDED THE TIME FRAME ALLOWED TO YOU BY LAW. 
EOS HAS NOT PROVIDED ME WITH THE FOLLOWING INFORMATION IN THE TIME FRAME ALLOWED TO YOU BY LAW. 
THE FOLLOWING INFORMATION HAS NOT BEEN PROVIDED! 

What the money you say I owe is for.-HAS NOT BEEN PROVIDED IN THE TIME FRAME ALLOWED TO EOS BY LAW! 
Explain and show me how you calculated what you say I owe-HAS NOT BEEN PROVIDED IN THE TIME FRAME ALLOWED TO EOS BY LAW! 
Provide me with copies of any documents that show I agreed to pay what you say I owe-HAS NOT BEEN PROVIDED IN THE TIME FRAME ALLOWED TO EOS BY LAW! 
Identify the original creditor-HAS NOT BEEN PROVIDED IN THE TIME FRAME ALLOWED TO EOS BY LAW! 
Prove the Statute of Limitations has not expired on this account- HAS NOT BEEN PROVIDED IN THE TIME FRAME ALLOWED TO EOS BY LAW! 
Show me that you are licensed to collect in my state-HAS NOT BEEN PROVIDED IN THE TIME FRAME ALLOWED TO EOS BY LAW! 
Provide me with your license numbers and Registered Agent-HAS NOT BEEN PROVIDED IN THE TIME FRAME ALLOWED TO EOS BY LAW! 

At this time I will also inform EOS that your offices have reported invalidated information to all XXXX of the major credit bureaus ( XXXX, XXXX, and XXXX ) this action constitute Fraud under both federal and state laws. Due to this fact, the negative marks that have been found on all of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against EOS.
Complaint sub-issue: Information belongs to someone else

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed some items that are not mine on my credit report. These items need to be deleted from my credit report XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, University of XXXX, US Dept Vets. There were inquries as well that are not mine XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX/XXXX   XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I have contacted the FTc and my local police, Im also doing this on my own behalf.
Complaint sub-issue: Information belongs to someone else

The following credit inquiries listed on my Equifax credit report are not my credit inquiries : XXXX XXXX  XXXX, XX/XX/XXXX, XXXX XXXX XXXX  XXXX , XX/XX/XXXX, XXXX/XXXX, XX/XX/XXXX , XXXX XXXX, XX/XX/XXXX , XXXX XXXX, XX/XX/XXXX, XXXX , XX/XX/XXXX, and XXXX XXXX/XXXX, XX/XX/XXXX, I didnt apply for credit from the listed creditors. The credit inquiries are unauthorized and fraudulent credit inquiries.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been disputing the following fraudulent inquiries with Equifax credit bureau for over a year now. I mailed them proofs several times. They removed the fraudulent inquiries then the following day the reported them again. I did submitted a complaint with CFPB on XX/XX/XXXX against Equifax to delete these fraudulent inquiries. Equifax response was We deleted these fraudulent inquiries but they didnt. Im attaching all the documents to show how Equifax doing business and how Equifax insisting to report inaccurate fraudulent information to my credit report. 
XXXX XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX. Date of inquiry XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I constantly check my credit report and noticed that the errors and false misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 % correct. this has damaged me and held me back for sometime. Im demanding CFPB to enforce the correct and or deletion of these items.
Complaint sub-issue: Problem making or receiving payments

Citibank has not been able to provide me access to online banking after calling XXXX times. The support team just keeps on transferring me. There was a fraud in my account and a new account was then created for me, ever since have not been able to access online banking even after talking to Citibank for XXXX XXXX I can not access my funds. I need access to these funds asap. This is my XXXX complaint here still no one fixed it for me. This bank should be regulated better and its a shame. Please fix the issue so that I can access my banking and can have access to MY OWN MONEY!!!!
Complaint sub-issue: Frequent or repeated calls

We have an account with Citibank World Mastercard that went 7 days past due for the amount of {$38.00}. This account has never been past due and we didn't realize the original payment was a little short. A simple reminder would have sufficed and we would have promptly made up the difference. Instead, Citibank has contacted us via phone at least 6 times in the past three days ( we think more where there wasn't a message left ). While we are only {$38.00} past due, their message misleadingly indicates we must pay {$420.00} as it's the balance due ( which the actual due date for the additional amount over {$38.00} is XX/XX/19 ). We contacted them twice and I also answered the phone one additional time letting them know we had made a payment and we had also transferred a payment via reward points to them which would more than cover the amount past due. This morning within 5 minutes of me hanging up the phone with them, they called AGAIN! I asked for a supervisor and advised about the payments on the way and that they were harassing us with all of the calls and threatening, misleading messages. They claimed they notated the account so the calls would stop.
Complaint sub-issue: Account status incorrect

I've tried contacting the company that holds my account via mail and email to inform them that several of my closed accounts are stating paid in full with 90 to 120 of late payments. This information is incorrect due to me still being enrolled as a XXXX XXXX XXXX at the time a XXXX XXXX XXXX XXXX. My loans were consolidated and paid. The company has yet to update my correct account information. 
Accounts Listed below XXXX DATE OPENED XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX
Complaint sub-issue: Deposits and withdrawals

XX/XX/2021, I used my relicard issued by USBank to pay my rent, cell phone and internet. Then tried to purchase something over the phone and the merchant said my card was denied had her run it again, still denied, which is embarrassing to begin with, check my account on app and everything looks fine, nothing wrong nor stating anything out of the ordinary. So went to ATM to get money to put on another card and to call back merchant so I can pay them what I had ordered, ATM denied me from MY funds, call the 24 number wait on hold for 37min. Girl that answered tells me I have to wait 24hrs until I can get money or charge anything, I complain and she says well if you go to a USBank branch and go have a teller get your funds it will work, drove 19 miles and waited in line another 20 min then had to give teller all my information so I could be entered into there computer system for that branch, try to get money and DENIED again, teller says go out and try the USBank ATM, denied ... .I 've been upset about this all night and sick to my stomach about it, wake up this morning and try charging something, denied. Call the customer service number that states they are there fir you 24/7 get to hold for next representative and recording comes on -all customer service representatives are currently busy please call back later-then click, hung up on now! This institution has refused me my money, cost me money and time and took time off my life with all the stress and time spent just trying to get something that is mine. I can not believe that thus is not a crime somehow ... .I have seen people go to jail for doing alot less to another human being. I doubt anything will be done and more then likely I will have regained my account from these criminals by the time you read this but this is the things that these banks should not have the right to be able to do. But they will because nobody ever does anything to them, I will not get any gas money nor reimbursed for my time or stress or humility I went through, nope they got what they wanted to do to the little consumer I am. Maybe one day we will win and this ignorance and power playing will stop but I'm not holing my breath. USBank I believe owes me money and a apology ... .good luck I say to myself, like I said it won't happen. I'm just wasting my time like I did half the day yesterday. Hopefully you have a great day and you don't have to ever experience this. Its just like someone just stole or better yet robbed you and you can't even go to the police about it. Its just so wrong.
Complaint sub-issue: Information belongs to someone else

I contacted XXXX  expressing that there was 6 credit accounts reporting to my credit report that was not mine. First off I sent a letter to XXXX  dated XX/XX/2021. They claimed that they did not receive the letter until sometime in XXXX. When I wrote the dispute letter I asked that the account be verified by giving verifiable proof of this account and that it belongs to me because it does not. I wrote this XXXX letter and they refused to start my dispute in XXXX they waited until XXXX. They were already OVER the 30 days of investigation they refused to start it until XXXX. 

After they started my dispute they send me an email saying the results of my dispute came back verified. I called XXXX  and asked them exactly HOW they verified the information. They could not give me an answer, I told them that having something verified by the e-Oscar system was not sufficient enough to deem anything verifiable.a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

According to the FCRA they HAVE to provide documentation on HOW these items were deemed verifiable. 

Please see the attached documents that I have sent to XXXX  regarding this and these are the exact letters that they refuse to respond too.
Complaint sub-issue: Their investigation did not fix an error on your report

1.XX/XX/XXXX fraudulent hard XXXX inquiry remains on file even though XXXX has removed it from the XXXX file. 

2 Attempted to review credit report through XXXX XXXX XXXX and was denied access on XX/XX/XXXX and XX/XX/XXXX because I could not answer questions posed : a. ( i.e.retail credit card opened in approx XX/XX/XXXX : XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX card opened in XXXX. Never had the others ) ; b. bank card opened in XX/XX/XXXX -- none applied to me from the list ) c. ( Auto loan lease in XX/XX/XXXX ) none : have XXXX cars on is a XXXX and XXXX ) d. ( total monthly auto payment ) ( have no auto payment ) Either Equifax is attempting to harass me or has mixed my file with another consumer. 

Note : my credit score with XXXX via Equifax has mysteriously dropped XXXX points since XX/XX/XXXX :
Complaint sub-issue: Problem with cash advances

I have a XXXX XXXX account with Optum Bank ( FDIC # XXXX ) with a balance over {$6000.00}. They sent debit/credit cards for myself and my wife. The card indicated to to activate and set a PIN, call... XXXX XXXX XXXX XXXX That number is for an automated recording with no ability to take to a person. The first time We both called, after following the directions we received the recording that the card service can not process your request, please contact customer or member services. 

We called that number, which appears to be a foreign call center. They said they could only activate the credit card, but could not provide a PIN to activate the debit card, and said only the automated number can issue the PIN, so call again. We made many attempts but could not get a PIN. 

We called the customer service again who issued XXXX new cards. Again the automated number refused to activate and provide a PIN, and referred us again to the foreign call center. Again they activated the credit card, but not the debit card. They said only the automated number can do that. We made a number attempts to activate the debit card and each time were informed call customer service, who said they have only the ability to activate the credit card, but not the debit card. 

When informed that our primary use would be at XXXX, which does not accept this credit card, the said we could seek reimbursement. 

It appears that Optum bank makes it impossible to access my own funds via a debit card, but wants to keep the float, requiring that I pay up front and seek reimbursement, by refusing to give customer service the ability to activate the debit card. The banks web site does not provide a telephone number for its main office location in XXXX, XXXX
Complaint sub-issue: Information belongs to someone else

My first attempt to apply for credit happened mid year XX/XX/XXXX when I pulled my credit report for the first time and noticed several discrepancies. I contacted Equifax Information Services by  mail questioning these discrepancies who gave me a list of things to do. I also filed a complaint with the XXXX Police Department because my information had been stolen and obviously used. I provided Equifax Information Services with each and every document they asked me to provide and still go no resolution but a returned form in the mail stating that the information had been verified. Since XX/XX/XXXX I have sent Equifax a dispute letter almost every month with no results. I have sent an Affidavit, A copy of my SSC, a copy of my drivers license, proof of my address, my police reports, and continuous dispute letters paid for by certified. I have asked for account information and verification in all of these letters but have yet to receive anything but the same credit report stating that the information has been updated and verified for the past two years. I'm am overwhelmingly frustrated, discussed, and disappointed with the unlawful and unfair treatment I have received by this company. Equifax is reporting inaccurate information that I owe XXXX XXXX XXXX {$2400.00} account opened XX/XX/XXXX. They are reporting that I owe XXXX XXXX XXXX {$4800.00} opening that account XX/XX/XXXX. They are reporting I have an account in collections with XXXX XXXX in the amount of {$100.00}, come on who lets {$100.00} go into collections. They are reporting that I owe XXXX XXXX an unknown balance for an account opened XX/XX/XXXX and The US Department of Education several amounts on various days. Again, I have disputed these account on various occasions over the two years and hadn't received ANY requested verification. These things have excluded me from living a normal life and being able to obtain credit and purchase a home for myself and my family. I would like some help in resolving this matter.
Complaint sub-issue: Fees charged for closing account

During covid lockdown after XX/XX/2020, I requested the closure of this account. the physical branches were closed during this time and I was unable to visit branch to request closure of the account. I had to close it over the phone with Customer service department. Whoever was helping me when I requested to close this account, apparently did not close the account and I was being charged monthly service fees that I was unaware of. The company put this account into XXXX XXXX  that I owe a balance and it is in collections. I tried several times disputing with XXXX XXXX  and US bank both are refusing to help me in removing this from my report.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Discover Card is continuing to show the shady ethics of a back alley loan shark while their false advertising campaign shows a world of sunshine and rainbows. The longer than necessary dispute with them over unauthorized charges has been rewarded with charges being placed back on my account. Three charges of XXXX dollars with the label of, " XXXX XXXX XXXX  '' have shown up on my statement ending XX/XX/2022. Discover Card needs to be shut down and it's business license suspended due to a lack of honesty.
Complaint sub-issue: Information is missing that should be on the report

On XX/XX/2021 I sent in a request for an investigation and to advise of inaccuracies on XXXX  XXXX XXXX Account # XXXX. I got a response on XXXX XXXX yet inaccurate and missing data remained. It closed date was updated no closed date is listed. The date of first delinquency does not match the month the month the account was actually late. 

According to the industry standard accurate, and full data needs to report.
Complaint sub-issue: Charged too much interest

This has been happening a long time, Macy 's and some other charge me a monthly fee on top of more than half of my monthly payments in interest. I do n't want to pay 25 % interests rates when I 've been paying them and everyone else every month on time! Then to discover this is absurd! I 've been a customer for years now ...
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX Account Number XXXX department was constantly calling my home and job and leaving my personal information with my coworkers. They left threatening messages and I was n't sure what they were referring to. This increased my stress level causing my XXXX XXXX to increase and I began to have further issues with my XXXX XXXX.
Complaint sub-issue: Debt is not yours

I have Student loans that have the wrong address and spelling on the account. The accounts owed are not mine. I have disputed these actions. They have taken the accounts off and then put them right back on. The accounts are ruining my credit. I have sent Dispute letters into the three credit breaus on XXXX, XXXX and XX/XX/2019 about this matter. On my Credit it states that I owe nothing in student loans but they are still saying I owe XXXX.
Complaint sub-issue: Overcharged for something you did purchase with the card

I received a letter from Citi Cards dated XX/XX/XXXX stating that they had reversed two merchant credits on my Mastercard account because they duplicated a credit by Citi Cards due to my dispute. In my reply dated XX/XX/XXXX, I explained that the credits that they reversed were for different charges on different dates, unrelated to the disputed charge. I asked them to reverse their wrong action. My reply was ignored, and the charge appears on my XXXX statement.