Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

On or about XX/XX/XXXX I submitted a complaint questioning some fraudulent activities on my card to my direct deposit card company whose name is XXXX XXXX. They asked me to fill out a questionnaire and review several charges dating back to XXXX of XXXX. A XXXX review, I noticed several fraudulent activities that were not authorized by me. This paperwork was then copied and submitted to the direct express fraud service department in XXXX XXXX Texas. The paperwork was submitted on or about XX/XX/XXXX. There in, I Calculated that over {$1000.00} had been siphoned from my count. This paperwork was received by XXXX XXXX on or around XXXX of XXXX per a customer service supervisor in the fraud department which I spoke to on XX/XX/XXXX. At around XXXX XXXX. Pacific time. While speaking to this customer service rep, I was informed that this complaint had just recently been handed over to the fraud department again to be reassigned and I would not expect any resolution from this complaint until after they've completed their investigation. I informed the supervisor to whom I was speaking with, that this case has been pending since XXXX of XXXX and I did not wish to wait any longer to wait for response. I insisted that I got a response today. The customer service supervisor then told me that she could not give me a response or a final answer on this case until after the fraud department has finished their investigation and that can take however long they wish to take to give me this response. She would not give me any for their formation and did not give me anybody else to get in contact with in order to resolve this issue more quickly. As a matter of fact, she told me that there is nothing else that I can do or that she can do we just have to wait. I then informed her that I would reach record the call because I've been dealing with this for over 3 months and their paperwork says that I would have a response and and answer no less than 90 days. Obviously as been longer than 90 days. When the CSR supervisor heard me say that I was recording the call, she quickly inform me that she did not wan na be recorded and that I should call back whenever I was not recording any longer. She then hung up without saying anything further. I have since tried to call several times and could not get through and instead I'm transferred to a recorded message would says all lines are busy call back later. I have tried unsuccessfully since XXXX of XXXX to get a revolution for this problem. This company has been uncooperative will and refuses to give me any information or resolve this case in a timely manner. I would like for this company to reimburse me for the amount of monies which are missing and for the extended amount of time they have taken to reimburse the money is taken from my count fraudulently. They should also be held accountable for any overdrafts and financial issues stemming directly from this money 's missing out of my account.
Complaint sub-issue: Problem with fees

I signed up for the Citi/AAdvantage credit card in XXXX  and used the card number provided.  I received a paper bill/statement in the mail early to mid XXXX  and paid bill on time.  I received the actual credit card in the mail mid XXXX  which I activated online on XX/XX/XXXX.  At this point the Citibank online website activates your card but automatically toggles the paperless billing option.  I did not want paperless billing & toggled the paper billing option. After completing the online activation I received an email from Citi/AAdvantage that states "Welcome to Citi Online.  Now it is easy to take advantage of all the great benefits of Citi Online, like paperless billing management, alerts, online bill pay etc."  After reading this I was confident I had correctly selected the option to continue receiving paper bills. The next billing cycle comes and goes and I do not receive a paper bill but have received an email stating my payment is past due. Besides an email stating that my statement was available online I received no other emails or warnings until the past due email for which I had already been charged a $XXXX  fee.  I called the Citi bank number on the back of the card and informed them of the situation.  They insisted that I checked the paperless billing option.  I did not.  I spoke to customer service & after they could not rectify the situation asked to speak to a manager who was also unwilling to rectify the situation & waive the $XXXX late fee. This fee was deceptively charged in the first place do to their faulty toggle options on the billings option page of their online credit card activation process.  I fear this is happening to many thousands of consumers & Citi is collecting an exorbitant amount in late fees due to this deceptive process and they should be researched.
Complaint sub-issue: Debt was paid

professional credit service accounts XXXX and XXXX are wrongfully appearing on my XXXX XXXX XXXX  credit XXXX ... .was insured by XXXX at time of XXXX ... was covered under my mother XXXX XXXX at XXXX XXXX service.XXXX XXXX. is the original creditor. 
both debts are wrongful and harming my credit rating.XXXX has removed both accounts
Complaint sub-issue: Attempted to collect wrong amount

The collector maintains I owe a debt of {$270.00} from XX/XX/2015 for XXXX XXXX XXXX  I incurred no such debt then or in the previous year to the best of my knowldge
Complaint sub-issue: Their investigation did not fix an error on your report

failure to provide proof of late payments, was already removed from XXXX
Complaint sub-issue: Debt was paid

This company has extremely high interest fees and should be illegal. I quickly found myself in a situation I couldn't afford so the account was charged off. I was called within a couple of months with a settlement offer of less than {$600.00} which I accepted. The company offered to delete the charged-off account from my credit history if I accepted and paid the debt that day which I did. I am still showing the debit is unpaid on my history as well as that I still owe the full balance. This company not only takes part in predatory lending, but they also take part in predatory collecting of debts. Please delete this from my credit history ASAP.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act. The account below had violated my federally protected comusumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX Section XXXX A. XXXX I have the right to privacy. 

XXXX. XXXX XXXX Section XXXX A Section XXXX : It also States a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX. ( a ) ( XXXX ) Section states : No consumer reporting agency XXXX make any consumer report containing any of the following items of information of information any other adverse item of information, other than records of convictions of crimes which antedates the reporting by more than XXXX years. 

XXXX U.S.C XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer 's reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Trouble with how payments are handled

In XXXX XXXX, I took out only XXXX loan from Key Bank to study for the bar exam. My credit reports show XXXX separate loans all from XXXX XXXX. Due to the losing my job in XXXX, I fell behind on my bills including Key Bank. I have paid down the Key Bank loan from {$10000.00} to {$6000.00}. However, XXXX other accounts XXXX and XXXX XXXX Bank XXXX XXXX show that a claim was filed with the government for the same loan. A few problems. First, I have only XXXX Key Bank loan and it should not be reported the other two times on my credit report. I have sent requests to all XXXX for copies of the loan documents. Second, if the government paid on a filed claim, I am also paying and, hence, Key Bank received double payment. Third, if the government paid the claim, Key Bank is whole and should not be receiving payment from me and the loan should show paid. Or, Key Bank should refund the amount I paid and am paying to the government. 

All XXXX accounts should provide a copy of each separate loan agreement and papers. 
Since there is only XXXX loan, the other XXXX should be removed from my credit reports. 
If the government paid the balances off or any portion thereof, Key Bank should reimburse the government for the amounts I paid.
Complaint sub-issue: Debt is not yours

I called the XXXX XXXX number, which comes up as XXXX and no human being answered me. they call me every day on my work phone and it's always a robot claiming they're calling about debt collection but won't name anyone who actually owes everything. This distracts me from doing my job and it's every day, they even leave robotic voicemails.
Complaint sub-issue: Account information incorrect

I made two payments in full. Per the credit card agreement if payments are made in full by due date no credit interest will be applied. Interest was higher then actual interest rate and was applied on balances paid in full by due date.
Complaint sub-issue: Didn't receive enough information to verify debt

Original Creditor : XXXX XXXX XXXX XXXX Open Date : XX/XX/2019 Balance : {$200.00} Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX I have never heard of, from, or about what this debt is for. I just paid a collection for the same parent company for almost the same amount. I have not received written, verbal or otherwise any form of communication from debt collector and woke up to find this on my report. I have not been given the chance to validate the debt and if it is valid make arrangements to pay it off and have this collection account removed from my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I'm escalating this concern because credit bureaus keep ignoring my request. They wont even tell me why they wont fix the account, I was never late on my payments. I send them on time..Reverse the late payments on my XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt was paid

For some years now this has been popping up on my credit reports. Have disputed in the past because my sister whose name is XXXX XXXX has on multiple instances taking my identity and used it to get bills like gas electric water and cable wherever she would be staying. I thought I had this taken care of 2 years ago but it popped back up 6 months ago. Now it is time that we are looking for a home and I I just called and paid XXXX XXXX to there collections department. Not too ERC group. I have contacted all letting everyone know that this was my sister taking my identity. I did not go as far as getting a judgment against her for taking my identity I have just been paying for it. Like I said I paid for it on XXXX XXXX 2018 direct to XXXX collections department. I would like this removed from my reports as soon as possible. 

Thanks XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the XXXX  you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
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, rules of construction, accuracy and confidentiality under 15 USC 1681. They stated my accounts were verified. How can that be if they didn't do a proper investigation according to the law. FRCA 15 USC 1681 everything has to be 100 % accurate. Enclosed is a copy of my report still showing inaccuracies. 

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 make 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C 1681a Rules of construction ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX acct # XXXX XXXXXXXX XXXX XXXX acct XXXX # XXXX XXXXXXXX XXXX XXXX acct # XXXX
Complaint sub-issue: Debt is not yours

Based off the fact that your company has yet to forward any documents to me, show me any proof, and the fact that its already been 2 months so you have CLEARLY violated Section 611 ( 5 ) ( A ) and continue to show your blatant disregard for Federal Law.

The Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. Thats all your company has been doing the past couple of months and it is against the law and clearly in violation of 1681 ( a ) ( 4 ).

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law!
Complaint sub-issue: Deposits and withdrawals

On XX/XX/2022, I deposited a check in the amount of {$10000.00} at a PNC branch Bank in downtown XXXX near XXXX XXXX. This check was received from my manager for services rendered. The branch in which I deposited the check is in a predominantly white neighborhood of XXXX. Upon depositing the check, my account was immediately frozen without any notification. 

After several attempts proving that it was not indeed a fraudulent check, and that indeed those monies belong to me, my account remains frozen. I have obligations to the IRS and creditors that needed to be paid. I have since incurred a late fee and potential damages to my credit report. 

Please assist me in unfreeze my account. Thank you
Complaint sub-issue: Received bad information about your loan

My loans went from the Educational Department to XXXX XXXX, and when I applied for PSLF to FedLoan Servicer. I had to start over again as my repayment plan was not that one that was excepted. How did they not catch that? So, at almost {$400.00} a month I decided not to go back on the income based plan. 
I found out about the the Temporary Expanded PSLF, and even though FedLoan Servicing actually holds my student loans, I was notified that their records show that ; " Our records show that you have not submitted a PSLF application to date ''. I am just one guy that has worked for the XXXX XXXX XXXX for a little over 10 years. I can make it though. However, is this shady practice of how the ED works effecting our educators and public service providers as well?
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. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX  Account # XXXX, has violated my rights. 

XXXX Bank Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights XXXX XXXX  Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX, has violated my rights. 

Bank XXXX XXXX Account # XXXX, has violated my rights. 

Bank XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX BANK XXXX XXXX XXXX ) Account # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Their investigation did not fix an error on your report

The following accounts are not reporting accurate information on my credit report. I have sent letters to the credit bureaus numerous times and yet, they still keep closing the investigation and indicating that the information being reported is accurate. The FCRA requires that the information reported on consumer 's credit report be accurate and if not, it must be deleted. Therefore, by law, the following accounts must be deleted as per the FCRA and the inaccurately reporting accounts. 

XXXX Card - misreporting on XXXX, Equifax, XXXX XXXX XXXX XXXX XXXX - misreporting on Equifax Additionally, I have informed the credit bureaus ( Equifax and XXXX ) that the addresses below are also inaccurately reporting and should be removed from my file as they are not my addresses. 

XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Complaint sub-issue: Personal information incorrect

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . 
Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is
Complaint sub-issue: Account status incorrect

I am requesting the following accounts be updated. I have tried to reach out to Equifax regarding this information for some time. 

Please remove any comments, remarks or indication of a dispute with both XXXX XXXXXXXX XXXX accounts on my credit report. 

Removal of an incorrect late payment mark for the month of XX/XX/XXXX on the XXXX XXXX XXXX  credit card. 

Removal of the following inquiries ( these were NOT made by me ) : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) ( XXXX XXXX XXXX, XXXX )
Complaint sub-issue: Having problems with customer service

My loans were transferred from XXXX to FedLoan after I submitted paperwork certifying my Public Service employment. In the transfer, my annual certification of income and family size was lost. I had submitted the certification in XXXX, but in XXXX when my loans were transferred to FedLoan, that certification was not carried over. FedLoan was very unhelpful in resolving the issue ; after speaking with a supervisor, FedLoan asked me to resubmit a certification ; in the meantime, I would not lose credit for my monthly payments. I submitted the new certification, indicating that my family size had grown by XXXX. My wife was XXXX. FedLoan rejected my IDR repayment application, because there was no evidence of my wife 's XXXX. On the very day I received the rejection notice from FedLoan, my wife XXXX, so I called FedLoan to see how we could resolve the situation. They asked me to send a letter describing the situation. I did so, with a FedLoan supervisor assuring me that she would personally make sure that my application was processed quickly. I heard nothing from FedLoan, until today I called them. Despite having been nearly 2 weeks since I faxed the letter directly to a FedLoan supervisor, they claimed that they only received my letter today, and so it would be another 7-10 business days before my application was processed. I have no idea what the status of my loans are, what my payments will be, or if I will receive credit towards my loan forgiveness for the 2 months since my loans were transferred to FedLoan.
Complaint sub-issue: Their investigation did not fix an error on your report

Please see the attached documents regarding my complaint against EQUIFAX. They are reporting a late payment when I have proof that the account was paid on time, and there is a finance charge on my sales contract so there is no way that the account can be considered late. The account is XXXXXXXX XXXX XXXXXXXX. I also filed a CFPB complaint against XXXX XXXX in which they have yet to respond or provide validation so this should not be reporting on my credit report. Please see the attached letter that was sent to Equifax last month.
Complaint sub-issue: Account status incorrect

JEFFERSON CAPITAL SYSTEM Last reported XX/XX/2019 {$490.00} Open balance XXXX XXXX XXXX XXXX Item Results Result : Disputed Information Updated And Other Information Updated - The item you were disputing has been updated, and there have also been some updates to your account info. Youll see all of these changes on your report. 
Dispute Reason Accuracy : The creditor agreed to remove charges and/or fees
Complaint sub-issue: Was not notified of investigation status or results

I feel like they ignored my prior requests for an investigation. I asked them to Please confirm how this account is showing as open when it is actually closed otherwise I will have to ask you to explain how it is reporting as accurate. 
XXXX XXXX XXXX  Account Number : XXXX If you are unable to verify the information that is contained in this account, then you are required to delete the account. 
also I get a copy of my credit report and found the following item ( XXXX ) to be in error : Previous Address ( es )
Complaint sub-issue: Investigation took more than 30 days

I would like to submit a complaint because I sent a letter to the credit bureaus on XXXX, and I have still not received a response. It's been over 45 days, and I desperately need for them to update my credit report based on the items I have disputed and asked them to correct. I need the items to be deleted immediately.