Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Funds not received from closed account

Sent XXXX payment from my XXXX XXXX to tiaa bank- Filed report to tiaa bank that they never gave me my funds they said they didnt receive it from XXXX XXXX  so I filed report to XXXX XXXX and heres proof from XXXX that tiaa bank accepted it from their department. I want my money back XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX RE : Checking Account Ending In XXXX Dear Mr. XXXX : I am writing to respond to the complaint our office received from the Consumer Financial Protection Bureau ( CFPB ). I understand you expressed concern with a transaction from XXXX which was deducted from your checking account ending in XXXX on XX/XX/2019, in the amount of {$1000.00}. My attempt to contact you at your telephone number on file, XXXX, was unsuccessful. As such, I felt it best to communicate in writing. The Bank apologizes for any inconvenience you may have experienced as a result of not having access to your funds through TIAA Bank. Records confirm on XX/XX/2019, you initiated a XXXX transfer through your TIAA Bank account. Specifically you requested {$1000.00} to be deducted from your XXXX XXXX account ending in XXXX to be credited to your TIAA Bank the following day. Bank records confirm on XX/XX/2019, these funds were successfully transferred to your TIAA Bank account as requested. If the funds were never credited to your TIAA Bank account, we request you reach out to them as the XXXX transfer was initiated through TIAA OLB Money Request.
Complaint sub-issue: Account status incorrect

On XX/XX/2022 i filed for Bankruptcy. 1 month Prior to filing, i completely paid off XXXX. I had a XXXX balance as of XX/XX/2022. I asked XXXX to please close my account. For whatever reason they never closed it! XXXX was not on the petition of the bankruptcy because it was no longer a debt. It was completely paid off 1 month prior of filing. This was before i was completely sure if i was going to file. Even my attorney told me it was not required on paid off accounts especially those that were paid off a month before filing. After i filed bankruptcy, XXXX took it upon themselves to report this account including in bankruptcy when it was clearly not part of the bankruptcy petition. It should of stated closed by consumer. They took a 2 year positive exceptional payment history, and turned it upside down into a negative status when there was no money owed! You are only required to include DEBTS THAT ARE OWED in a bankruptcy petition, not every account that are reporting. Paid off accounts are excluded from a bankruptcy. THEY ARE NOT DEBTS!!! Especially since the account was completely paid off prior before filing the bankruptcy petition. XXXX was suppose to close the account back on XX/XX/2022, but did not! They took a positive exceptional account, and turned it upside down! Why??? This is Illegal and is a violation. Who are they to change the laws? I was a good paying customer, and they made it look like the entire account was charged off in the bankruptcy. Why would i pay you then? They are reporting incorrect information on the credit report. When someone pays off a debt, they have to get credit for paying it on time. It was paid early. They are reporting it like i was delinquent when i wasn't! You can not report incorrect information on a credit report! People sue millions of dollars every year for careless acts like this! I want to file a complaint against XXXX for damaging my tradeline with incorrect information reporting. They refused to remove it when i called. They have no clue what they are doing. They are hurting my credit report when they did this! Every account matters even in a bankruptcy. This is the one account i wanted to walk away in good standing. They are making me look bad! If i ever want to get another account with them, They will see i filed bankruptcy on them and burned them, when i didn't! Is this right or fair to me??? Its basically telling the credit reports that i did something wrong, when i didn't. I was in good standing with them, not the other way around!
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX ) showed up on my credit report in CHARGE OFF status. 

1. This account is fraudulent. 
2. I have never opened this account. 
3. I have never given given permission for someone to use my information to open this account. 
4. The credit reporting agencies have not removed this account from my records and restored my perfect credit, even though I have reported it. 
5. One agency had a current telephone number listed as XXXX which does not belong to me. 
6. I did a XXXX XXXX Search and someone has stolen my identity. 
7. Please see attachment.
Complaint sub-issue: Old information reappears or never goes away

I would like the trade line from XXXX XXXX XXXX to be deleted as it has been paid in full.
Complaint sub-issue: Account status incorrect

i was notified by a mortgage loan officer that Equifax credit report shows two account for XXXX XXXX XXXX, one under the company name {$1100.00} and the other as an account for XXXX XXXX {$1100.00}. When I contacted XXXX XXXX XXXX at XXXX I was told by XXXX that XXXX XXXX handles all collection for them. I contacted XXXX and spoke with XXXX through the help desk at XXXX XXXX and was told that they will investigate it further. After being told by the mortgage loan officer that my loan application was suspended, I opened a dispute with Equifax on XXXX XXXX XXXX. I do not recall receiving results of this investigation nor did I log into the dispute center timely to review the results. But, I was informed by the mortgage loan officer after doing a soft pull that the duplicate account is still on the report, XXXX XXXX shows paid, but XXXX XXXX XXXX still shows open and not paid. This is the same transaction just entered in two different times on one report. My XXXX and XXXX reports do not show this error just Equifax.
Complaint sub-issue: Information belongs to someone else

I have contacted XXXX  a few times about the fraudulent XXXX Account. This is NOT MY ACCOUNT, and I had nothing to do with it.
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

I enrolled in a forebarence in XXXX. My XXXX payment was skipped. Citi still withdrew the monthly payment XX/XX/XXXX despite this. I called them on XX/XX/XXXX and could not reach anyone due to phone issues. I contacted someone via chat. They assured me it would credited in XXXX days. As of XX/XX/XXXX it had not been credited back. I contacted them again and they said they could not refund despite me having it in writing. I am also receiving NSF charges from my bank due to this.
Complaint sub-issue: Problem accessing account

On XX/XX/XXXX I filed fraudulent charges on my spend account with credit karma. On XX/XX/XXXX they locked my checking and my savings! Claiming they were under review for 10 business days. It is now XX/XX/2022 and I have yet to receive access to my account .... they tell they are delayed. But it's people that submitted cases after me that have received a decision! I truly believe I am being discriminated against. XXXX  bank has been know help either.
Complaint sub-issue: Their investigation did not fix an error on your report

The account was paid in 2019 and three years later this collection company is illegally reporting it on my credit report
Complaint sub-issue: Account status incorrect

I C System Inc. formally XXXX XXXX XXXX XXXX XXXX states that I owe them XXXX. I do not owe them any money at all. I told them to cancel XXXX XXXX and the account and they did cancel it and they still charged me XXXX which they say that I owed them which I never did.I told them I did not owe them any money and they said I did. I do not owe them any money and will not pay them. They constantly were going against their word and constantly charging me money I did not owe them. I cancelled the account and they continue to report on my credit history. I do not owe them anything. Take this illegal reporting of my credit off my credit report. It is being reported twice by I C System INC and XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Public record

I 'm filing a XXXX complaint against Equifax today arising out of their refusal to remove a XXXX tax lien that was withdrawn by the IRS, which it is now falsely reporting as active. 

( My XXXX complaint is case # XXXX XXXX involves XXXX lien that the IRS withdrew. A copy of that withdrawal is attached for your reference ). 

The IRS withdrew a XXXX lien. ( See attached copy ). Per the attached notice from Identity Guard, received today, Eqiuifax is now falsely reporting that this lien is active. ( See attached ). 

Please help.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX has violated my rights. 
Account # 's XXXX XXXX XXXX 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 an account without my written instructions.
Complaint sub-issue: Information belongs to someone else

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's 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, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions
Complaint sub-issue: Account status incorrect

On XX/XX/2020 I paid off my account/personal student loan to XXXX. The payment was sent via my real estate attorney, XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, GA XXXX. To this day, Monday, XX/XX/XXXX, the account still shows open with an outstanding balance on my Equifax report only.
Complaint sub-issue: Attempted to collect wrong amount

On XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX filed a Property - Residential Eviction lawsuit against XXXX XXXX. This case was filed in XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX located in XXXX, Texas. The case status is Disposed - Other Disposed. 
Docket Entries XX/XX/XXXXXXXX DocketService Return XX/XX/XXXX FinancialPayment Information : Amount : {$130.00} ; Payment Type : XXXX XXXX ( Remote ) ; Transaction Type : Remote Payments ; Receipt Description : Remote Payments ; Payor Name : XXXX XXXX XXXXXXXX XXXX XXXX Read More XX/XX/XXXX XXXX  of Possession XX/XX/XXXX DocketEviction-Writ of Possession-Efile XX/XX/XXXX DocketOther Documents Not Listed - Efile XX/XX/XXXX HearingDescription : Eviction Docket XX/XX/XXXX HearingHearing : Eviction Docket ; Hearing Result/Cancellation : Default Judgment XX/XX/XXXX JudgementJudgment : Parties For : XXXX XXXX XXXX XXXX XXXX ; Parties Against XXXX XXXX XXXX XXXX ; Post-Judgment Interest : 5.0000 % ; Judgment Amount : {$620.00} Read Less XX/XX/XXXX DispositionDisposition : Default Judgment ( OCA ) XX/XX/XXXX DocketOrder-Default Judgment XX/XX/XXXX DocketEviction-Notice of Default Judgment XXXX XX/XX/XXXX DocketDefault Judgment XX/XX/XXXX DocketAnswer Filed XX/XX/XXXX DocketService Return XX/XX/XXXX FinancialPayment Information : Amount : {$120.00} ; Payment Type : Check ; Transaction Type : Payment ; Receipt Description : Payment ; Payor Name : XXXX XXXX XXXX XXXX XXXX Read Less XX/XX/XXXX DocketOriginal Petition Filed XX/XX/XXXX XXXX XXXX XXXX Filed XX/XX/XXXX DocketEviction-Citation Possession and Back Rent XX/XX/XXXX DocketEviction Citation The collection agency IQ Data is trying to say I owe them {$4400.00} I done disputed this off my credit report numerous times and they are still reporting the information below when the eviction was filed in XXXX XXXX Court on XX/XX/XXXX the judgment was ruled in XXXX XXXX XXXX favor for the amount of back rent of XXXX plus XXXX percent which the final judgment was XXXX and the judgment date was XX/XX/XXXX not in XXXX and I dont owe XXXX this is causing my credit score to drop and having an impact on my everyday life because I cant get approved for anything with the wrong date and wrong information. The information above this paragraph is from the court document its self and the information below is from XXXX XXXX 

IQ DATA INTERNATIONAL IN Last reported XX/XX/XXXX {$4400.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX XXXX TX
Complaint sub-issue: Reporting company used your report improperly

In Accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX mortgage 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Complaint sub-issue: Information belongs to someone else

I HAVE BEEN DISPUTING DEPT OF ED/ XXXX FOR A YEAR 6 MONTH AGO THE CREDIT BRUEA REMOVE THE ACCOUNT BECAUSE THEY WHERE NOT ABLE TO VERIFY WITH THE 30 DAY THIS ACCOUNTS DOSE NOT BELONG TO ME I REPORT THESE ACCOUNT TO THE XXXX AND FILL OUT THE AFFIDAVIT THAT EVEN XXXX SEND ME AND NOTHING IS BEING DONE THEY JUST KEEP ON SENDING THE SAME THING NO DOUCMENT THAT SHOW THAT IT BELONG TO ME
Complaint sub-issue: Problem with fees

In XX/XX/XXXX, I missed the first of my payments on two credit cards I had with Citibank. I was having a XXXX XXXX, and had extreme financial duress. Without the XXXX XXXX, I would n't be able to return to work. I called Citibank monthly to try and attempt setting up a payment plan, as I had successfully done with XXXX XXXX. ( I 've been a Citibank customer for more than 10 yrs ). I was told that unless I could pay the full amount due ( balance, late fees, etc ), they could not help me. I 've called them at least a dozen times in the past year to try and get some sort of payment plan set up, as I went back to work in XX/XX/XXXX. They would not cooperate, same reason. Well, now it 's 12 months later, and they 've allowed the late fees, interest and other fees to accrue, all the while I was n't even able to view my account online any longer because it was in default, and they 've just sent me letters for both accounts and the balance has been sent to a debt collector. The amounts are so much higher than what I owed a year ago, and I feel that this is fraudulent practices on their part. Intentionally leaving an account open, but inaccessible to the customer, and jacking up the fees to buffer their balance is corporate thievery. I was an excellent customer all of those years without any late payments, even while struggling, and this is the return for financial duress.
Complaint sub-issue: Their investigation did not fix an error on your report

This letter is a formal complaint against XXXX XXXX They have repeatedly violated my rights and the Fair Credit Reporting Act. I submitted a formal request for information, which was perfectly within my rights to do, and yet, you have failed to send that information. They send follow up questions about what account I am referring about. Since their letter states that they've actually received my dispute from the credit bureaus regarding this account, then they must already have my social security number, my full name, as well as the full account number and any other pertinent details for this item in which they allege I owe or else they wouldnt be reporting it. 

They have only provided some of the information requested which leaves a lot of gaps and holes in what I need to know. The little bit of information you sent has only led to more questions for me.
Complaint sub-issue: Reinserted previously deleted info

The highlighted Account was disputed and removed and reinserted and originally this account is not mine
Complaint sub-issue: Information belongs to someone else

This account should not be on my credit report. I disputed this account as it does not belong to me and please verify it. But, they refuse to remove it. I also contacted XXXX card services as well, and they refuse to remove it from my credit report. 


Account name XXXX XXXX/XXXX XXXX   Account number XXXX .... 
Recent balance {$430.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$430.00} written off. {$430.00} past due as of XX/XX/XXXX.
Complaint sub-issue: Other problem getting your report or credit score

I am trying to apply for a mortgage and the lender is not able to pull Equifax report. I used to live at one address which is very similar to where I am staying for the time which is 5 houses down from our old place. You are not letting the mortgage lender XXXX XXXX run my credit due to a " freeze, '' that is not even on my credit report after speaking to 4 different agents within the past week! I need you to allow any and all mortgage lenders to run my credit report ASAP as I am needing to apply for a home loan in this present moment.
Complaint sub-issue: Threatened or suggested your credit would be damaged

The company violated my rights under the fair debts collections practices act in that i have never received the following. 

No attempts or Notifications by mail in order to dispute their actions if any taken. 

Indicated on my credit reports that the debts was owed without my signature or original documentations that i agreed to a third party collections. 

The company went to XXXX and said that i opened an account with them which was a fraudulent and blatant Lie in order to collect an alleged debt with them. 

The company name is I.C. Systems XXXX XXXX XXXX XXXX XXXX, Minnesota XXXX alleged amount owed XXXX ending account number XXXX I received this information by XXXX identity theft protection. 

My identity theft happened in this state of where government offices was notified by my affidavit of identity theft because someone has taken out credit in my name for houses and utilities. 

On XX/XX/XXXX i did not open or agree to them to collect any debts via 3rd party with them and only the originator of has the right to contact me not them. Deceptive tactics was used by then which is illegal. 
The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act
Complaint sub-issue: Investigation took more than 30 days

Hi XXXX has a 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 710. XXXX has me at a score around 592. 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 im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account 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 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 which I have not furnished.
Complaint sub-issue: Transaction was not authorized

I currently hold a Citi credit card account XXXX **** **** XXXX under my name, XXXX XXXX XXXX. And that specific account doesn't worry me. 
I have inquired several times about my account ( s ) with zero replies from Citi or Citibank. This is my XXXX request. 

I have reason to believe my digital identity might be compromised and I need an investigation of all Citi or Citibank account ( s ) matching my credentials in order to exhaust this part of the investigation. 

I need to know if any other accounts are open under my credentials? Please assign XXXX of your representatives to investigate this going back at least XXXX to XXXX years so that I might rule out the possibility another account was opened with an unauthorized use of my data. I need this search performed whether a checking, money market, savings or any other type of financial account.
Complaint sub-issue: Account status incorrect

Ive called the credit bureaus and explained to them my student loans are not late they are in deferment. Over the past 2 years since the pandemic the loans are showing missed payments when in fact they are deferred. Also, the loans were recently sold to another service provider in which they are still in deferment and the new provider is showing I have 4 missed payments. The credit bureaus are saying its showing on time, however, when I apply for credit it shows they are late and are missed payments. This is causing my score to remain stagnant and costing me more money when financing things.
Complaint sub-issue: Didn't receive enough information to verify debt

I suspect that my identity may possibly have been stolen and that a possible crime has been committed by your corporation. Please see attached documents and Identity Theft Report. I have requested validation and no documentation has been provided. My right to privacy has been invaded because of this unauthorized use and permissible purpose has been violated due to sharing of these alleged accounts.I have attached FTC Report, Affidavit of Truth to The Bureaus INC and Attorney General of Texas complaint.