Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Attempted to collect wrong amount

Contacted Jefferson capital on XX/XX/21 to see why I havent received a pic ltr and email.. spoke to a supervisor # XXXX XXXX XXXX from Jefferson capital he told me he received my check for {$150.00} that on the back of it stated by cashing this check you agree to pif and remove from my credit within 30 days he started getting loud with me and said that was never a green upon I let him know I spoke to XXXX agent # XXXX on XX/XX/XXXX and agreed on a XXXX  balance. I made an agreement placed it on the back of a check and they cashed it XX/XX/XXXX agreeing to the terms and now they are trying to send me a settlement in full instead of a payment in full and havent removed it from my credit.
Complaint sub-issue: Problem getting your free annual credit report

My wife and I have been unable to get an annual credit report from Equifax for almost two years. We have both established " myEquifax '' accounts with user names and passwords. Our requests at XXXX are refused. When we attempt to log in to our " myEquifax '' accounts we get statements and error has occurred. A toll free number is given : ( XXXX ) XXXX. This number leads to a series of questions before routing to an agent. Most of the questions get cut off before completion. Most responses are interrupted with a verbal statement " I didn't understand that. '' If one persists and gets past voice mail XXXX, you are informed " ... all agents are currently assisting other customers. Please continue to hold. '' Eventually the call drops. 

Does Equifax intend to comply with federal law regarding annual free credit reports or not? Will the government enforce the law?
Complaint sub-issue: Deposits and withdrawals

On XX/XX/XXXX Unknown person caused Citibank to wire {$500000.00} from my Insured Money Market Account payable to one XXXX XXXX. On same date I made face to face contact with my local Citibank Manager who filed a claim for fraudulent wire transfer. 
Citibank in a letter dated XX/XX/XXXX denied my fraud claim. Instead of blaming the wrongful transfer on their own lack of robust cybersecurity and protection protocols, Citibank asserted that customer must have provided account information or authorization for transaction which turned out to be a scam. 
I have provided an affidavit of Unauthorized Online Wire Transfer to Citibank and a letter stating categorically that 1. i did not provide my banking information to anyone 2 I have no knowledge, participation or benefit in any such scam As of today XX/XX/XXXX Citibank has not refunded my money {$50000.00}.
Complaint sub-issue: Charged too much interest

I had reached out to Home Depot multiple times to have my account paid in full, within the 24 month period. I had made atleast 4 phone calls stating for the account to be paid in full. The last call I made for a payment was in XX/XX/2018, Home Depot never processed my payment and now I have charged me almost double amount owed. The amount that was suppose to be paid in full was {$5200.00} but now they have charged {$4400.00} in intrest. I feel scammed.

Every single conversation I was told that they would be taking a full payment and then they continue to just take the minimum amount.

Home Depot has told me they have no records of my calls and then told me they cant pull the recording. I keep getting different stories every time I talk to someone.

I understand they make their money in intrest but right is right, and wrong is wrong.

The full amount was to be drafted out of my account before the intrest was applied and Home Depot didnt process my payment and charged me {$4400.00} in intrest instead.
Complaint sub-issue: Didn't receive terms that were advertised

I opened a checking account ONLINE yesterday with Citibank. Per my instructions, they've already taken money out of another account ( from a different bank ) to fund my new Citibank checking account. However, when I opened the new checking account, Citibank only furnished me with the last four ( 4 ) digits of my new Citibank checking account number. In order for me to register to have access to this new checking account, Citibank requires me to have the full account number ( not just the last four digits ). I've called Citibank on the telephone ( having to hold for up to 20 minutes before someone answers ) several times and Citibank will not give me the full account number. They just transferred me to different departments ( like credit cards ) that has nothing to do with my checking account. Citibank is the worst financial institution I've ever dealt with.
Complaint sub-issue: Attempted to collect wrong amount

I had cell phone service with XXXX they sold to XXXX. I was not able to get service with XXXX and XXXX told me to go back to them. I did this for 3 months before I went to XXXX  because I needed service. I tried XXXX again in XXXX and still didnt have service in my area. They let me out of my agreement and I went to a provider that works in my area. I tried to do what they wanted but they refused me service. I owe nothing and this date of XXXX is incorrect. 
Service was XXXX XXXX and I believe part of XXXX. XXXX we were on cricket. They keep changing the date to keep reporting it.
Complaint sub-issue: Information belongs to someone else

How many dispute letters and CFPB Complaints do I have to submit to the Credit Bureaus in order for them to remove the disputed fraudulent accounts and information completely from my Credit File? I previously sent dispute letters addressed to the Credit Reporting Agencies requesting that the Credit Bureaus remove the disputed fraudulent information that are reporting inaccurate information on my Credit file. I have read that the Credit reporting Agencies are required to report accurate information and investigate and remove any accounts reporting erroneously. I am submitting this CFPB complaint to follow up the previous CFPB complaint I submitted 15 days ago complaining and requesting the same disputes. Also, according to the FCRA, 15USC 1681i, the Credit reporting Agencies are required to finish their investigation within 30 days and send me copies of the results of investigation. However, 5 months had passed and the Credit Bureaus have failed to send me copies of documents they are required to send me and claimed that the accounts are verified. This action by the Credit Bureaus is a clear violation of a consumer 's rights. I am requesting to the Credit Bureaus to please remove the following accounts from my Credit report in accordance with the Fair Credit Reporting act section 605b : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX XXXX, account # XXXX XXXX XXXXXXXX XXXX has violated my rights. 

5 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: Account status

I received my auto insurance policy renewal, after reviewing it and saw it increased by {$450.00} since the previous XXXX month renewal I call communicated with the insurance company, XXXX XXXX. They said the reason for the increase was because of credit report. I told XXXX XXXX my credit had not changed except that I got a home mortgage and I had great credit history and score, otherwise I could have not gotten a large home loan. I could not review my credit history online. I have a very good job, have never not paid my insurance policy premium. If getting a mortgage loan has given me a bad credit score then some it bad wrong with this system and needs to be eliminated.
Complaint sub-issue: Not given enough info to verify debt

I was/ am a XXXX customer and have been for a long time. Prior to XXXX XXXX I was on a single person plan with XXXX. Then in XXXX XXXX I closed this plan and opened a new plan with my girlfriend, also with XXXX and have been since. In the change from my old plan to my new plan I supposedly owed {$48.00}, of which no one from XXXX told me or gave me a bill or called me. I assumed therefore that the account was closed completely and I did n't owe anything. 
Apparently, that was a mistake. Instead on XXXX XXXX, XXXX, 2 and a half years later they sent this to a collection agency called Enhanced Recovery, phone number XXXX. And did Enhanced Recovery do anything, send me a letter, call me, email me? 
No, instead, they waited until XXXX XXXX and without any contact, without any notification, they reported this to the credit bureaus knocking my XXXX XXXX from XXXX to XXXX. When I found out, I called the Enhanced Recovery and spoke with the manager, XXXX XXXX at XXXX and told him that no one ever contacted me or let me know I owed this money. I stated I have no problem paying the {$48.00} but I want it removed from my credit report. XXXX was ambivalent even seemed to taunt me saying they only update credit reports, they do n't remove anything. I know for a fact they have that ability. I found out the history of my XXXX account from a call with XXXX customer service Manager XXXX XXXX at XXXX XXXX XXXX XXXX and she told me that the amount had been transferred and when.
Complaint sub-issue: Debt is not yours

Avante USA is falsely reporting that I have an account with them for the original creditor XXXX. I have no contract nor any business with Avante USA or XXXX XXXX  XXXX. There is no account number to this account. I have no verification of me having a debt with any of these listed creditors. It's listed that I have a balance of {$2200.00}. It states that the account is open but it's placed for collection.
Complaint sub-issue: Received bad information about your loan

I have been working with XXXX XXXX  for over one ( 1 ) year to have them correctly calculate my number of qualifying payments I have made under my Public Service Loan Forgiveness. I keep being told that my account is under review and this has been repeated for over one ( 1 ) year now. I have two loans that are in consolidation under PSLF. On my online account of XXXX XXXX, it states that on the 1st Loan I have made 59 out of 61 qualifying payments and on the 2nd Loan I have made 44 out of 76 qualifying payments. These numbers are inaccurate. First, the qualifying payments are different on each loan. Second, I have documentation from XXXX XXXX  confirming my Employment Certification that I have provided to XXXX XXXX  over the years, and these numbers are different. Please see below : XX/XX/XXXX = 26 qualifying payments XXXX = 8 qualifying payments XXXX = 15 qualifying payments XXXX = 8 qualifying payments XXXX = 17 qualifying payments In total, this is 74 qualifying payments I have made under my PSLF plan. XXXX XXXX  has this documentation, so I am confused as to why it is taking them over one ( 1 ) year to calculate the correct payments. In XXXX of this year ( XXXX ), I will be providing my annual employment verification which will show another 12 months of qualifying payments under PSLF. 

My calculations show that as of XX/XX/XXXX, I should have 74 qualifying payments, which leaves a remainder of 46 qualifying payments. Again, XXXX XXXX has all of this documentation. I need my online account to accurately reflect the amount of qualifying payments I have made, because I am more than half way completed with the 120 qualifying payments required ; however, my account does not reflect this. 

I have tirelessly attempted to have XXXX XXXX update my account to no avail.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I was not receiving electronic statements and did not get my bill. The payment was marked as late.
Complaint sub-issue: Was not notified of investigation status or results

This complaint is about the unverified negative accounts and identity theft cases placed in my credit report. Please help me look into this because the bureaus wont act on them despite the numerous times that i have written them. Please see attached files for these accounts.
Complaint sub-issue: Funds not received from closed account

On XX/XX/22 XXXX requested and sent the authorization to transfer funds from my two PNC IRA 's  to my two XXXX IRAS. For two weeks nothing happened. I called PNC and they said they needed an overnight number. I called XXXX and they send an E-mail to PNC with appropriate address. This was on XX/XX/XXXX ( PNC case # XXXX ). No one from PNC contacted me about the problem until after my call I got a letter from XXXX XXXX at PNC asking for physical overnight mailing. I waited another 10 days after XXXX sent the address and still no transfer, so I called PNC again and they said they had not recieved the overnight address. So I Iooked PNC 's address up and called PNC, but they said they could not take the address from me. I asked if PNC rep would make a single call to XXXX. NO! So on XXXX XXXXXX/XX/XXXX XXXX called for me. PNC denied having ever gotten the address, and they denied getting the transfer on the Roth IRA, even though it was sent along with the request for transfer of the regular IRAXXXX  PNC again would not let the XXXX guy give them the address with out me. Today : still no funds have arrived. PNC puts up on barrier after another to stall or discourage the transfer of funds. I figure I have lost around {$450.00} from this delay because the money was being moved form a .03 % account to a 3.45 %  account at XXXX.
Complaint sub-issue: Account information incorrect

Since XXXX  i've been complaining now I feel unheard & ignored. now i'm seeking help from cfpb to get my issues heard. XXXX  have been reporting inaccurate address, inquires, employers and much more. they have been reporting these things without my consent on top of the inaccuracies. this has harmed me for the past 2 years I've been denied for everything I've applied for. I have a child to provided for and i'm limited due to XXXX  reporting inaccurate information & ignoring all of my attempts to notify them of such.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX is reporting the account type as an auto loan this is factually incorrect because The account you are reporting is identified as an " installment loan '' which is factually incorrect. The true account type for this account is a " Credit sale Agreement '' I have the right to an accurate credit file and discrepancies like this are unacceptable. It has been now 5 months and have failed to respond. I am attaching a Copy of all letters sent below. 


XXXX, XXXX  has failed to validate that this account is reporting maximum possible accuracy per the FCRA and This account was paid and the creditor agreed to remove it from my credit report. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Complaint sub-issue: Information belongs to someone else

I've gone through the accounts and collections displayed on my credit and I've noticed unusual activity and an ample amount of accounts that do not belong to me. Please remove these items from my credit report immediately as this is poor judgement on my credit worthiness.Attached is my Identity theft report.
Complaint sub-issue: Problem with personal statement of dispute

The information they are displaying on my credit profile is factual inaccurate. In the Status : they state collection, government insurance claim.. but that factual true. Not to mention the last date Active. They certified all their information was correct. But this was not the case. I have enclosed a copy of my contract of Past- due debt owed but on an Agreed monthly installed monthly plan. Not what is and has been place on my credit profile over the last several years that I have been disputing.
Complaint sub-issue: Reporting company used your report improperly

Equifax 's data breach and loss has now put my SSN and all personal information at risk. It is impossible to talk past the automatic answering system. In addition, management thinks they did us all a great service by offering fraud and loss protection for a year for free. Here is my take on it. They make you sign up for it. It should be their job to sign everyone affected up automatically. It should continue until there is no longer a threat to our financial lives, not just a year. There should be serious discussion on how to fix the SSN breach, either a random number generator using alphanumeric to cross reference every SSN affected, or just issue new numbers using a new method. I am concerned about their lack of concern for me. Their take it or leave it attitude, especially since I did n't ask them to use their service, nor have I ever personally given them my information. The general public needs an advocate and your group can now show us all what your made of. Speak up, create change, and hold management responsible. Someone at the top should be fired, and many should be taken to court.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The following hard inquires on my account that are not authorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information is not mine

It is time for my daily complaint Equifax , we should really try to get to know each other, whom ever reads my complaints. Let me know in your reply, we might be friends once Equifax stops breaking the law and fixes my credit report. Anyway, as usual, XXXX XXXX XXXX has said they have reported nothing to Equifax and I even sent you proof that in XXXX, my wife had a XXXX XXXX XXXX account changed to her married name so how can she close XXXX in XXXX in her maiden name? XXXX XXXX XXXX debt is not mine but either way, the debt was discharged in a settlement that I have sent Equifax , and lastly I have never had a XXXX account and they have also said that they have reported nothing to Equifax. These conversations happened on XXXX XXXX, why does n't the CFPB not ask for the recordings so they can catch Equifax lying?
Complaint sub-issue: Information is incorrect

My driving record had mistakes on it. Making it difficult for me to obtain auto insurance at a decent rate
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

I was collecting unemployment from Idaho, using a US Bank Reliacard. Between XX/XX/XXXX & XX/XX/2021 my account was hacked & several illegal withdraws were made via card to bank transfer. I have the account info showing the dates & name of person whom did this fraudulent unauthorized activity. 
I notified US Bank, via a phone call & fax, the day I found out my money was missing ( {$8300.00} ) which was XX/XX/2021. They said my account PIN was changed & the money removed via a transfer. I did not change my PIN, or ever use a direct bank transfer. I went back & forth with them several times on the customer service phone line. On several occasions I was on hold for over an hour when the phone mysteriously cut me off & returned to a dial tone. 
I have records of my account information, my faxes to them & their statement of resolution ( XX/XX/2021 ) which says US Bank is not responsible for this & no money will be returned to my account. 
I feel that US Bank is responsible for security of my Reliacard, and should not let PIN # 's be changed over the phone w/o a security check being done on the caller. 
Please let me know what you need me to do next. 
Sincerely,
Complaint sub-issue: Company closed your account

Citi bank closed my account for money orders issued to myself for being deposited into my checking account they invaded my privacy of the deposit of approximately 5700 dollars in money orders and deemed it fraudulent however the money has not been report as a scam and the bank contacted the sender who confirmed it was for me but the bank denied this action and still deemed it fraudulent the bank is refusing to commit are about the manner transparently they are holding the funds and they are refusing to let me be aware of what going on with my account they havent had the police to contact myself reguarding the deposit and will not release the fund to myself. The bank has said I should be implicated for the deposit and have automatically deemed guilty for the matter and have not let me speak for myself to the authorities they have a disposition to in XXXX the myself for the deposit even though the money has not been reported stolen I am being discriminated by the bank because of my XXXX and not been given a faithful benefit of the doubt or trust by the bank
Complaint sub-issue: Account status incorrect

SSN : XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit file. The item Im disputing is XXXX XXXX, accounting XXXX, as reported by XXXX XXXX XXXX. 

This delinquent account record is inaccurate because there was an error through the payment system for XXXX XXXX, my account was on auto pay. I am requesting that the account be corrected to show that it has always been current, with no record of being delinquent. 

I unfortunately have no record but the agent i spoke to on the phone told me that they will report to XXXX, XXXX, and Equifax that this account was never late. 

The late was for a membership fee and not any past debt as you can see my account was always paid on time and always current. 

Please investigate this matter and correct the disputed item as soon as possible. 

Sincerely, XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I have a XXXX account on my credit report from XXXX, reported delinquent in XXXX, XXXX. I have never opened this account.I have disputed this account with XXXX, Equifax, and XXXX   and it comes back verified. I have tried reaching out to XXXX and they tell me the account is too old to do anything about, and unless I have the account number they refuse to discuss it with me. The account had a balance of XXXX. After I disputed the account numerous times it now shows {$0.00} balance, but updates {$0.00} dollars with a derogratory statement on XXXX and Equifax monthly. XXXX has a XXXX balance but havent updated since XXXX. I am so frustrated with this situation. XXXX is the worst, everytime I disputed the DOFD was updated until it now shows, XX/XX/XXXX. The other CRAs have the DOFD at XX/XX/XXXX. This is wrong and illegal. Please help me get this fraudulent account off all three CRAs.
Complaint sub-issue: Billing problem

The account was with XXXX XXXX Finance. They have late payments listed that never happened. All payments were paid as agreed.
Complaint sub-issue: Debt was result of identity theft

I logged onto XXXX XXXX  and realized a fraudulent account was opened in my name with XXXX in the amount of {$1200.00} back in XX/XX/2019. I have no knowledge of this account and also never gave any consent to open this account in my name. I have attempted to send letters requesting this account be deleted and stop reporting it to the credit bureaus.
Complaint sub-issue: Was not notified of investigation status or results

A notice of intend was send to Equifax after no response to my dispute letters.