Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX 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 severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Complaint sub-issue: Funds not received from closed account

XX/XX/XXXX : Opened Citibank checking account after getting an offer for {$700.00} if I deposit $ XXXX and leave it there for at least XXXX mo XX/XX/XXXX Call to close my account. I ask agent if it's possible to get my funds electronically, he says no, it's sent by mail. Account is closed. 
XX/XX/XXXX : Call to inquire where my money is. They say it can take XXXX days. 
XX/XX/XXXX : I call back, give up after ridiculously long hold times. 
XX/XX/XXXX : I call back, it's escalated to Manager XXXX, who says, " XXXX business days '' so I should have it by XX/XX/XXXX. He promises to call me at noon on XX/XX/XXXX. I get no call. 
XXXX : I call Citi to complain again. Supervisor tell me it takes XXXX business days plus XXXX more business days for USPS to get it to me. I ask what happens if I still don't have it. He tells me the only option is the start the XXXX process all over again. I ask him to escalate to someone who can either transfer it to me electronically or at least mail it with postal tracking. He says it's not possible. 

I feel I have no recourse. They continue to earn interest on my money and there's no guarantee as to when I'll ever get my money back.
Complaint sub-issue: Their investigation did not fix an error on your report

I spoke with equifax about the fraudulent inquiries on my credit file. I waas asked did I file an FTC report and I stated you cant through the FTC anymore but I did file a complaint through the CFPB. I further asked for the fraud department and I was told he could help me. I aksed for the fraud department and he refused stating he could help. 

The spokesperson verified the complaint and proceeded to remove the inquiries and gave me the following confirmation number XXXX. 

This was all started on XXXX XXXX I called today the XXXX because the fradulent address and inquiries still remain. I was told by the person today that the inquiries are a statement of fact! i WAS GIVEN THE IMPRESSION THEY WILL BE REMOVED and now I am told they are a statement of facts. I also asked my proof of my permission via a signature from the creditor or any service they provide that I am associated with that would constitute permissible permission in their eye and I have received nothing. 

The following inquiries are not tied to any accounts on my credit file : XXXX XXXXXXXX XXXXXX/XX/2022 XXXX XXXX. XX/XX/2022 XXXX. XX/XX/2022 Equifax has also used the ploy of they are starting a new dispute without my permission to reset the 30 day time frame to resolve my dispute by law.
Complaint sub-issue: Problem making or receiving payments

Hello CFPB officer, This is the follow-up complaint on the case XXXX. 

After I submitted the case XXXX to you on XXXX XXXX, Citibank did send me an email informing that I am receiving my {$400.00} promotion bonus to my Citibank account. This email was sent to me in the afternoon XXXX XXXX. However, I requested to close both of my Citibank accounts in the morning the same day. I have tried to immediately contact the bank explaining why I decided to close the accounts and would want to receive the {$400.00} by check. I have called them several times with no answers, left a voicemail, and sent them emails. No one has called me back. All I have received was genetic emails. As the result, AGAIN, I am filing this complaint with CFPB, and requesting that Citibank sends me my {$400.00} bonus as promised via check as soon as possible and to close this case. 
I have never had such a difficult time dealing with such big bank like I have been dealing with Citibank. I am terrified by their incompetent representatives, and by all the lies that they have fed me with to lure me and customers like me into banking with them to take advantages of our money for their own business.
Complaint sub-issue: Attempted to collect wrong amount

Went to The XXXX XXXX for a routine medical appointment early XX/XX/2018. Never received any letters from them or Armada Corp prior to them sending me to collections. I only went once, however Armada Corp divided the bill into 7 accounts, making it look like I have 7 claims against me. But most importantly the bill is only for {$170.00} and some cents, but Armada Corp is wanting me to pay {$270.00}. I spoken to a few representatives at Armada Corp but they all refuse to go down to the original bill. I am willing to pay the {$170.00} and some cents, but feel the {$270.00} is unfair and too extreme in collection fees. Also, I wish The XXXX XXXX contacted me first before placing in collections. I spoken to a representative from The XXXX XXXX as well, but they too did not understand why it went straight to collections. I requested for a rep to contact me from The XXXX XXXX to apply for charity care or some assistance based on income, however The XXXX XXXX never mailed me an application.
Complaint sub-issue: Information belongs to someone else

Solar mosaic of XXXX CA opened an account in my name for solar/ home improvements on XX/XX/19 apparently at the request of XXXX XXXX XXXX   of XXXX XXXX CA . 
I never initiated this loan or process. 
It apparently has a balance of {$28000.00}. 
I have never received any funds nor requested them. 
This is identity fraud. I have notified solar mosaic and they are investigating. I have attempted contact with XXXX  XXXX  but have received no response yet. 
I learned about this just 1-2 weeks ago when checking my credit report.
Complaint sub-issue: Information belongs to someone else

It occurs that my credit report has been compromised. Again, I was going through my files & noticed these items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any information or items which were found to be opened due to identity theft. The disputed items do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items : XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$260.00} ; XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$720.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1800.00} ; XXXX  XXXX Balance XXXX {$35.00} If you feel there is a possibility these items belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are 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 immediately.
Complaint sub-issue: Was not notified of investigation status or results

I am highly upset the credit bureaus have not responded back to me about my investigation. 
This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.
Complaint sub-issue: Don't agree with the fees charged

I went to XXXX  college from XXXX. Received a loan from XXXX. When XXXX went bankrupt in XXXX?, I joined FedLoan for loan repayment. 

In XXXX, XXXX, i received an email stating that FedLoan is being investigated sued by the US government, and 8 other states for fraud. In the email, they stated to contact FEdLoan for the status of my loan. Upon contacting FedLoan, i was unsuccessful for the next 2 weeks in contacting the. In addition, i sent several emails regarding this manner to my FedLoan agent, as well as tried to contact FedLoan via phone several times, all with no response and FedLoan did NOT reach out to contact. On XX/XX/XXXX, they took their monthly payment out of my account at XXXX  XXXX XXXX. I contacted XXXX, informed them of the situation and asked for a FREEZE on all transactions between FedLoan Student Services, and my bank account. This morning, i noticed that FedLoan had taken out a payment without my permission. In this instance, FedLoan added letters to the end of their name, in order to bypass the Freeze within my account with XXXX  XXXX XXXX, and were successful in retrieving their monthly payment, without my permission. I have contacted my bank and informed them of this issue.
Complaint sub-issue: Account status incorrect

This loan has never been late. I was either a XXXX XXXX XXXX or my loans were in deferment.
Complaint sub-issue: Debt was paid

RE : Jefferson Capital Systems Acnt # XXXX Jefferson Capital is currently attempting to collect a disputed {$1100.00} debt it says it purchased from XXXX. As part of its attempt to collect this amount from me, it is reporting it to several consumer credit reporting agencies, including XXXX The amount they are attempting to collect on on is inaccurate, as I made a final payment to XXXX prior to the account supposedly going into collections. I had also disputed a portion of the bill with XXXX itself several years ago. I had service with XXXX for less than a month, and discontinued it because there was virtually no coverage in my house and the service was about useless to me. I was supposed to receive a " courtesy credit '' from XXXX due to this. 

I have disputed this debt to Jefferson Capital multiple times ( XXXX/XXXX/17 and XXXX/XXXX/17 ), in writing, to the address showing for them on my credit report, stating that the the information they are reporting is not accurate. Jefferson Capital does not appear to be taking any steps to investigate the disputes and has never even bothered to respond. I understand they are relying in part on information from their client, and they are in the business of debt collection and doing their job, but they do have an obligation to investigate and correct inaccurate credit information. 

I simply wish for Jefferson Capital to discontinue collection, and request whatever information it reported to whichever credit bureaus it reported it to, to be removed.
Complaint sub-issue: Funds not handled or disbursed as instructed

THIS IS NOT A DUPLICATE. THIS IS A FOLLOW UP TO COMPLAINT XXXX WHICH WAS NOT RESOLVED. 

I received the letter attached from the Citibank Executive Response Unit XX/XX/XXXX. This letter references the incorrect account number, states that a check was sent to an unrelated address ( even though I confirmed the correct address 3 times, yet they managed to send a check to XXXX but the account address is in XXXX? ). Additionally, they state I requested to close the account but this was their decision and they failed to request any additional documentation due to a systems " glitch ''. 

I called the executive response unit and was assigned an investigator - XXXX XXXX, whom I have yet to hear from even though I was promised she would reach out to me within 24-48hrs ( it has now been over a week, I have called, left VMs, etc and nothing ) I called customer service various times. Asked for the previous check to be cancelled and for a new one to be mailed to the correct address ( I called Friday XX/XX/XXXX ) was told by an agent he could have this done. Called Monday XX/XX/XXXX, spoke to XXXX and she says she didn't see any request done on XX/XX/XXXX that she would do it. Called again today XX/XX/XXXX, the agent states a check was sent XX/XX/XXXX to the wrong address. I asked if I could go to a branch and withdraw the funds, she says no because the account balance is {$0.00} as the {$27000.00} was already sent .. a month ago and I haven't received it? makes no sense.
Complaint sub-issue: Loan balance remaining after the vehicle is repossessed and sold

I received court documantation in regaurds to a vehicle that was sold to me stating that I am being sued for the balance of the vehicle after contacting the financial institution for a voluntary repossession when the vehicle having multiple issues from purchase finally broke down completely. My initial complaints weren't submitted to Gateways Financial 's representatives but to the dealer and to my salesman. It wasn't until later, after I'd gotten nowhere with the salesman as we couldn't agree on a time and date because of my work schedule and my at the time pregnant misses and our appointments that I expressed my displeasure with the representatives of the company by way of phine and email on how I'd been sold an unfit vehicle that had not been given it's multi-point inspection after being told by my salesman it had to ensure it's safety before the vehicle was sold. After performing my own inspection of the vehicle when winter finally broke and was able to do so is when I dicovered the issues that could have left me or my family seriously injured or deceased. Pertaining to the outer tie rod ends as they control steering. When one fails, the tire, if it's the front driver side slams extreme left, the front passenger side slams extreme right pulling the car in that direction and if not acted against immediately meaning would either send the vehicle and it's occupants ( myself or my XXXX lady ) into oncoming traffic or into a ditch, tree, embankment, etc. at 55 miles an hour as all main roads leading to towns are posted at that speed limit. I also submitted my at the time address of which the vehicle was located for pick up after the fuel pump expired expressing to the representatives that after all that had transpired up to the fuel pump failing that with a XXXX an at the time XXXX year old and my misses being out of work for 6 weeks recovering from a XXXX XXXX that I wouldn't be able to continue financially with repairs and a payment. Even after Gateway 's attempt to refinance me at a lower rate it still would not have been possible to pay for repairs, car payment, housing costs amd utilities with all that was going on..
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX notified me of an inquiry on my Equifax credit report. When I contacted Equifax on XX/XX/2021 dispute this error, they closed the dispute within twelve hours, responding that it was a factual record of file access. 

I had informed Equifax that I never authorized a credit report " pull '' to XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX ) nor have I authorized Any company to pull my credit in the last 180 days. They chose to ignore my pleas that this access is fraudulent and my concerns that it will be used to commit fraud that may cause monetary damage to me. 

Equifax has offered to sell me a product that notifies my by text message for $ XXXX/month as a remedy to this dispute. I need the CFPB 's assistance to remedy this issue and prevent this from happening to other consumers. 

I have also contacted XXXX XXXX, XXXX but there is no way to get a hold of a human being so I left a message. 

Please help!!!
Complaint sub-issue: Information belongs to someone else

It has been discovered that you are not DISPOSING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not REMOVE the accompanying things written down below which are answering inappropriately because of fraud, I will hand my archives over to my lawyer to begin a lawful procedure. It's my goal to not seek after any legitimate activity so if it's not too much trouble, act in accordance with the law. XXXX XXXX XXXX XXXX Balance : {$660.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$440.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$100.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$82.00} ; XXXX XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$170.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$140.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$81.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$62.00} ; XXXX XXXX XXXX XXXX Balance : {$640.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$220.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00}
Complaint sub-issue: Account information incorrect

XXXXXXXX XXXX XXXXXXXX dba XXXX XXXX will not stop entering a partial payment of {$160000.00} as the last payment amount received for my four year long voluntarily closed and paid in full mortgage loan account in my credit files. XXXX has continually attempted to state I was " paying under a partial payment agreement '' when I never did during the life of the mortgage loan 's nine year history. XXXX deleted accurate last payment amount of {$170000.00} at Innovis without cause XX/XX/XXXX that an XX/XX/XXXX Report by Innovis shows as furnished by XXXX  XX/XX/XXXX, and as of XX/XX/XXXX, XXXX refuses to respond to Innovis to correct the misleading partial last payment furnished by XXXX in response to proving XXXX 's willful furnishing of the last payment accurately proven by the XX/XX/XXXX Innovis credit report and XXXX refuses to correct the mortgage file that did not credit the actual last payment amount of {$170000.00}, and continues to claim state a partial payment amount as the actual last payment received by XXXX XX/XX/XXXX is inaccurately as {$160000.00}. This amount and inaccurate comments regarding the payment are misleading in such a way as to be found adverse and allow XXXX to continue inaccurate partial information furnishing and credit reporting.
Complaint sub-issue: Their investigation did not fix an error on your report

I have noticed that the credit reporting bureau, Equifax has been doing unethical practices when updating my credit score and credit information on my credit report. No matter the changes or update to my credit accounts they will decrease my credit score by 75 points without reason. It is not logical to think every infraction or change to my credit report warrants a a 75 point decrease. In addition to that, I am constantly from XX/XX/2021 to now, disputing a former address that is not mine. Despite the fact that I have provided a copy of my drivers license and had the address deleted it keeps reappearing. Thirdly, I have a secure credit card with XXXX XXXX, a.k.a XXXX XXXX, XXXX. Whatever spending I do on that account is covered by my balance in my checking account. Ive never carried a balance yet they have reported a balance of {$14.00} and even after the XXXX and XXXX statement showing no spending activity and a XXXX  balance, it still remains on my credit report. I have disputed with Equifax and provided copy of my credit card statement with XXXX. It still hasnt been removed. Equifax is doing shady business practices. I havent had these issues with any other credit reporting agency.
Complaint sub-issue: Application denied

Applied for a XXXX membership and the XXXX employee suggested that I apply for a Citi credit card.I applied and was denied went on the Citi web site and was unable to find out why I was denied.Also was never able to reach their customer service phone line to get an answer.Later I found out that it was do a collection action which is an illegal transaction.I have filed a CFPB complaint on both the debtor and the collection agency.Filed a dispute letter with XXXX XXXX XXXX investigate the complaint and removed the collection action from my account.
Complaint sub-issue: Their investigation did not fix an error on your report

I recently disputed the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX. I disputed these accounts because they were being reported inaccurately. XXXX XXXX  did not respond to my validation letter, XXXX XXXX refused to validate the alleged account, XXXX XXXX XXXX did not send a contract with my signature on it and was asking me to send them information, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX. XXXX XXXX were disputed on the basis of payment history and closure date. Equifax verified all these accounts to be accurate. I requested an investigative report for these accounts in affidavit form but I have not received any information. I, XXXX XXXX, consumer, the original creditor, do not validate any of the alleged balance owed on XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX and have been disputing these accounts for months. Equifax has violated my consumer rights. Equifax has violated 1681 ( a ), 1681 ( b ), 1681 ( a ) ( 4 ), 1681b ( 2 ), 1681c ( f ), 1681e ( b ), 1681e ( a ), 1681g ( a ) of the FCRA.
Complaint sub-issue: Threatened to take legal action

Continued to call even though I asked several times that they stop phone communication with me and mail the information to me. The person on the phone said they do n't mail information. 

Then they told me I could be taken to court, but when they found out I am on XXXX they said civil action would be taken. 

I have XXXX with XXXX and each time they call they exasperated my XXXX.
Complaint sub-issue: Investigation took more than 30 days

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible