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

I was alerted by the fraud department that my Direct Express debit card issued by  XXXX  for  XXXX  payments had been charged excessively in a short period of time. I asked them to cancel the card and I filed an official dispute complaint with them. This was  XXXX   XXXX ,   XXXX  . The charges were made from a foreign country and I was told the investigation would take up to 90 days. I have called periodically and furnished them with detailed transaction information. I learned the fraud company had used  XXXX  to access my funds which were taken from the Direct Express master card. So I also filed a complaint with  XXXX  per Direct Express instructions. I was refunded partially by  XXXX , they explained that they could not recover all the funds as the money was not in the fraudsters account. So I went back to Direct Express. They told me that they had stopped investigation since  XXXX  had issued partial refunds. This is unacceptable. I had over {$2500.00} taken, all in small amounts of  XXXX ,  XXXX ,  XXXX ,  XXXX  etc. amounts. About 50 transactions. I believe I have been refunded only {$300.00} or {$400.00} thus far. Every time i have called Direct Express I have not been able to get them to release the remainder of my money. I am  XXXX , I need to pay my property taxes which are now overdue. I have no other income source or savings and I can not afford to take this huge loss. I have faxed the information to DIrect Express and  XXXX . I have tried to be patient. I have asked for them to escalate my issue at Direct Express. I have been told I can not directly speak to anyone in the fraud department or a manager. I have to call them. I live in a remote part of the   XXXX   XXXX   and have to be driven into the closest town , 25 miles  away to get a good enough cell signal to talk to them at the number printed on the back of the card. Can you please find a way to help me recover the rest of my funds? I called them  three  times  XXXX   XXXX , and the call kept getting disconnected when they put me on hold. I begged them to call me back if they disconnected me and they said they could not make outgoing calls. I have received no mail or calls from them. All the contact I have made has been me calling them asking for a status update. I ca n't keep waiting and re explaining myself every time. I am taking daily prescribed medications that make me groggy. I do n't have anyone to help me fight this battle. If this was a normal bank I would have been given some kind of provisional credit to use while the investigation was underway. I have a hard time expressing myself and sense of urgency in a way that gets results. Please help.
Complaint sub-issue: Didn't receive enough information to verify debt

I have a defaulted student loan through Loan to Learn. A recent hit on my credit report indicates that this loan is in collection ; however, there is no contact information listed for the collection agency. The loan amount is listed as XXXX with a balance owing of XXXX and outstanding balance of XXXX. Further, the only contact information listed is the original lender Loan to Learn for which the phone number is out of service and the website for which has not been updated since XXXX. The address listed is XXXX XXXX XXXX, XXXX XXXX XXXX in XXXX Virginia zip code of XXXX. The out of service phone number is XXXX. No collection agency has made any attempt to contact me regarding this debt, though they are reporting the balance as outstanding through credit reporting agencies monthly since XXXX XXXX. As such, I have no way to rectify this debt. I have no company to contact through phone, email or website. I have no ability to dispute the debt amount or to confirm the origins of said loan. My credit report is suffering and I have to way to make this right. Please let me know what will be done in response to this complaint.
Complaint sub-issue: Information belongs to someone else

I have sent multiple letters disputing accounts on my credit report, but I did not receive any response or results. Please take action immediately!
Complaint sub-issue: Company closed your account

On   XXXX   XXXX   XXXX   , I r eceived a letter in the post from  Citibank stating that Citibank has closed my credit card due to supposed inactivity. Prior to this letter, I received absolutely no notification whatsoever from Citibank regarding this closure. Citibank automatically closed my credit card on its own at its own will, without even the slightest common courtesy and decency of notifying me well in advance of its action and the steps I ought to take to prevent such action. I logged into my online account. I was able to conduct a chat session there, but the representative could not do anything to remed y the issue at stake. I called   XXXX   , but the  automatic system hung up on me when it could not understand the reason for my call. I then called again. A representative said my account would be under review, and that indeed, absolutely nothing could be done immediately such that I could use my card right away. I would like to add that both  American Express and   XXXX   have  confirmed to me they will never do such an automatic closure without proper advance notification. Shame on  Citibank.
Complaint sub-issue: Debt was paid

Date XXXX A number called and said we were 30 days past due on our business account credit card. We had paid the card off and even got online to check and it said nothing due account all caught up. So we said we were gon na hang up and call the bank ourselves and verify. She then gave us a number for us to call us bank but apon doing a XXXX search the number took you to a page that no longer exists. We called the bank and they verified we owed no debt and said it was a scam. We called the number back and it said thank you for calling card member services. The numbers are XXXX & XXXX. Thanks
Complaint sub-issue: Account status incorrect

I was going over my credit file notice my XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX XXXX  # XXXX, XXXX XXXX # XXXX. account has not been properly updated to a positive status yet. FCRA 623 ( a ) ( 5 ) ( A ) This " date of delinquency '' determines how long the debt can be reported on a consumer 's credit report. This account is due to have the late payments removed from reporting from my XXXX, XXXX XXXX, XXXX. I also saw that there is an unverified and HIPPA Act violation account from XXXX XXXX  XXXX # XXXX I never have done any business with that company, it is an error please delete at once.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting. 
XXXX XXXX-Balance {$1100.00} XXXXXXXX-XXXX-Balance {$630.00} XXXX XXXX-XXXX-Balance {$10000.00} XXXX XXXX-Balance {$1200.00} XXXX-Balance {$0.00} XXXX-Balance {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) -XXXX-Balance {$6100.00}
Complaint sub-issue: Having problems with customer service

My current lender, Great Lakes, told me that the loans I 've had for almost 20 years ca n't be considered for REPAYE status. I kept getting bounced back and forth between Great Lakes and StudentLoan.gov without getting anything resolved. Great Lakes says I can sign up for REPAYE but the clock will be XXXX and only by XX/XX/XXXX will I qualify for REPAYE! Really?? I 've been paying on these loans since XX/XX/XXXX!
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 XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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: Information belongs to someone else

I decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX XXXX {$1300.00} XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX {$330.00}
Complaint sub-issue: Information belongs to someone else

I noticed my scored dropped. After checking my report I notice these accounts should not be on my report and need to be removed. I don't have a contract or own these accounts. 
XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$2000.00} XXXX XXXX {$670.00} XXXX  XXXX XXXX XXXX {$670.00} XXXX XXXX {$4000.00}
Complaint sub-issue: Not given enough info to verify debt

CFPB File XXXX was filed regarding unlawful collection practices by : Enhanced Recovery Company, LLCXXXX XXXX XXXX, Florida XXXXIn their response to the CFPB complaint, in an excerpt of the company 's representative response was as follows : " Additionally our agency has submitted a deletion request will all credit reporting agencies with the account and our office. The confirmation of this request is XXXX. '' This document is attached. 

However, as of this date ( XXXX XXXX, 2015 ), the credit reporting agencies continue to report this matter on my credit files. 

As there are XXXX Credit Reporting Agencies, and Enhanced Recovery Company gave only XXXX confirmation number in their response, it seems there is a willful and malicious attempt to deceive both the CFPB and myself. 

In order to remove the report from each of the XXXX credit reporting agencies, XXXX confirmation numbers would be required. These files can be removed immediately without delay by a company that wishes to remove them. The Credit Reporting Agencies simply report the information reported to them and are required by the FCRA to immediately remove any information as directed by the firm that files the erroneous, or wrong report. 

I am asking that the CFPB impose sanctions on Enhanced Recovery for their deceit in removing the file as they indicated in their correspondence regarding the above listed file.
Complaint sub-issue: Their investigation did not fix an error on your report

They keep reporting and updating items that can not be verified, even when sent proof that they can not be verified
Complaint sub-issue: Can't stop withdrawals from your account

Greensky credit is making unauthorized withdrawls from our checking account from the zero interest loan for a purchase of windows through XXXX XXXX.
Complaint sub-issue: Public record information inaccurate

Dismissed cases XX/XX/XXXX - XXXX XX/XX/XXXX- XXXX  XX/XX/XXXX- XXXX All claimed charges against me have been dismissed through court of law. Dispositions were in pending status when all reports were ran and has detrimentally impacted my life. 
The Officer is not the final adjudicator in Legal matters and the report that Checkr has distributed to these companies has impacted my life. I asked all 3 agents in whom I spoke working for Checkr to please pull an accurate report ( Now - XXXX ) and report it to the companies involved XXXX XXXX No action has been done on Checkr 's part to correct my request.
Complaint sub-issue: Information belongs to someone else

I have sent out certified letters to all 3 credit bureaus stating to them my concern for the accounts that they have reporting on my credit report. They have failed to respond to any of the letters I have mailed out to them. I have given them 6 months to respond but they are failing to acknowledge anything that I have sent to them. The accounts that are reporting are inaccurate and do not belong to me. This alone has hindered my life and has stopped my ability to move forward with what I need in life.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus to update these erroneous items. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 XXXXXXXX Account status Closed XXXX XXXX XXXX  - ACCOUNT XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Auto Financing Companies XXXX XXXX XXXX Credit Bureaus XXXX XXXX XXXX XXXX Automobile Dealers XXXX XXXX XXXX XXXX Auto Financing Companies XXXX Finance Companies - non specific XXXX XXXX XXXX XXXX Auto Financing Companies XXXX XXXX Automobile Dealers , XXXX XXXX XXXX XXXX XXXX Auto Financing Companies XXXX XXXXXXXX XXXX Credit Cards XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XXXX XXXX XXXX Finance Companies - non specific XXXX Bank Credit Cards XXXX XXXX XXXX Financing Companies XXXX XXXX  Automobile Dealers , XXXX XXXX XXXX XXXX XXXXXXXX Bank Credit Cards XXXX Bank Credit Cards XXXX XXXX XXXX  Auto Financing Companies XXXX XXXXXXXX XXXX XXXX Bank Credit Cards XXXX XXXX Auto Financing Companies XXXX XXXX Automobile Dealers , XXXX XXXX XXXXXXXX XXXX  Bank Credit Cards XXXX XXXX Bank Credit Cards XXXX XXXX XXXX XXXX Auto Financing Companies XXXX XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing Companies XXXX XXXX XXXX XXXX Auto Financing Companies XXXX XXXX Auto Financing Companies XXXX XXXX Bank Credit Cards XXXX XXXX XXXX Automobile Dealers , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Credit Cards US SM BUS ADMIN ODA Federal Government XXXX XXXX XXXX Auto Financing Companies XXXX XXXX  Automobile Dealers, Used XXXX XXXX XXXX Automobile Dealers XXXX XXXX XXXX XXXX Bank Credit Cards XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Automobile Dealers, Used XXXX XXXX XXXX Automobile Dealers , XXXX XXXXXXXXXXXX XXXX XXXX Bank Credit Cards XXXX XXXX  Automobile Dealers XXXX XXXX XXXX XXXX XXXX XXXX Credit Unions XXXX XXXX XXXX Automobile Dealers XXXX XXXX XXXXXXXX XXXX XXXX XXXX  All Banks - non specific XXXX XXXX XXXX XXXX Credit Unions 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

Dear XXXX/XXXX  Re : acc # XXXX To Data Furnisher I had called XXXX customer service in reference to missing credit data in the month of XXXX on my XXXX XXXX and Equifax credit report. After numerous attempts to rectify the missing reporting data for the month of XXXX, XXXX payment data has also not been reported to XXXX XXXX and Equifax. Due to either technical difficulties, I assume the data furnisher is not fulfilling its requirements under the Fair Credit Reporting Act and Rule 660. This account is closed. I expect the payment history to reflect my payments made to my account consistent with my credit and payment history to the credit agencies.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my Credit Report I noticed that there is still account that is reporting erroneous and incorrect information. I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the account needs a proper action to assure maximum possible accuracy on my credit file. Hence, I am asking for another investigation. 
XXXXXXXX XXXX  XXXX Balance : {$4800.00}.
Complaint sub-issue: Problem with fees

I want to file a formal complaint. I called Citibank to update my address and to pay my full balance in XX/XX/2018, which I then paid. I had not used the card since and it expired few months later. This week, I was informed by third party that I had an unpaid balance and several {$29.00} late fees. After talking to Citibank customer services, it  appears that there was a transaction that processed after I paid the full balance. And it appears their employee miss-typed my zip code. Therefore I never received any statements since XX/XX/2018. Having not used the card again and then the card expiring, lack of statements was not odd. Apparently they also sent out a new card after mine expired to whomever got it since it never came to me. Despite the zip code being their mistake and me having ZERO ways of knowing I had a remaining balance collecting fees, they refuse to waive them. A ) This should be illegal. B ) The customer service was condescending  and would not work with me to resolve this any other way than me paying the full bill including the fees. C ) They would not pass me to management and I have been unable to reach Citibank management because when I try to fill out complaint forms online, the website tells me that my account/card number doesn't exist. I imagine because it expired and the new one that went to some stranger was never activated. The whole thing has been highly frustrating. This can not be good/fair business practice. Not to mention this card is due to my military/government service, so that's a great thank you to Veterans. Overall, I think the late fees are unfair when it was their mistake and I don't like the inability to reach anyone past first level customer service that I am locked into. Also doesn't seem right. My XXXX interactions have been overwhelmingly positive compared to this and I will never recommend Citi to anyone if this is how interactions happen on their side.
Complaint sub-issue: Investigation took more than 30 days

A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 XXXX  if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.
Complaint sub-issue: Their investigation did not fix an error on your report

Account was disputed as fraud. Discover Financial Services then closed the account. Account is still reporting on credit report as closed. Which it should be removed entirely as this account is not mine. Also on the previous investigation in reference to this account I never received any correspondence or resolution in writing that this account was closed.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX, I sent a letter to credit bureaus that I illegally owe XXXX XXXX XXXX Acct # XXXX. I disputed the accuracy of this account and told them that it is incorrectly reporting. Furthermore, asking them to provide proof by verification that this collection agency account belongs to me. All rights under FCRA 611 ( a ) ( 7 ) and FCRA 623 are invoked, thus demand for a complete description of methods used to investigate the dispute is required. The e-Oscar 2 digit code read out will not be acceptable. Unfortunate credit bureaus often use software that does not complete thorough investigations and does not qualify as verification according to law. As requested a complete list of all documents and correspondence with the original creditor, including, but not limited to : 1. All names and contact information of employees spoken to as part of the investigation ; and 2. Hard evidence that goes all the way back to the original creditor ; and 3. Information regarding the entire lifecycle of the loan ; and 4. Who originally wrote the loan ; and 5. The date of the loan ; and 6. Original contact information ; and 7. All letters and documents sent. 

If unable to perform an investigation or locate the necessary documents they are required by the FCRA to remove the information from the reports including complete removal of the account.
Complaint sub-issue: Account information incorrect

my school was closed because of fraudulent activity investigated by the department of education .i was mislead at this school. and believe loans were taken out without my knowledge
Complaint sub-issue: Other problem getting your report or credit score

I would like my security freeze / block to be REMOVED ASAP I am trying to buy a car and they can not pulled up credit report information. My name XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I don't remember that I had an account with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied to my request yet.
Complaint sub-issue: Information is missing that should be on the report

I have a {$5000.00} line of credit from a company called XXXX XXXX. I had to pay to join this club and have been member since XX/XX/2015. In recent past the company changed owners. This account somehow was dropped from my Equifax report causing my credit score to drop over XXXX points. I contacted the company who said they would send through an update so credit bureau had accurate info. The correct information is on my XXXX and XXXX reports put has not been reinstated on my equifax report which has negatively impacted my report
Complaint sub-issue: Reporting company used your report improperly

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.