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

Response to complaint id XXXX. 
My employer did not receive any funds back from Citibank after my account was closed. The missed funds are in the amount of {$5300.00}. 
if citi bank really reverted the money back to employer till now they should receive right. its been more than 5months. please give me proof or confirmation of date time and transaction number details to track. If citi bank didn't reverted money back to my employer, please do now without any more delay and provide transaction details. 
please find attachment the response i got from my employer regarding money. 

my employer Email : XXXX XXXX
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

More than 8 years ago. I had cable services. I was having severe finacial problems at that time and I couldn't afford cable services anymore, so the cable company canceled my services. I ask if they wanted there equiment/cable boxes back and they refused to take back the equipment/boxes so they charged me for the boxes. This debt was apart of my bankrupcty. The XXXX XXXX XXXX put my account in collections and it appears they are charging me for the equipment so they are refusing to remove the debt from my credit report. The debt collection agency or the cable company changed the date to XXXX 2018 to keep it on my credit report This is not fair. Please help me in resolving this problem. Thank You
Complaint sub-issue: Their investigation did not fix an error on your report

The third party consumer reporting agency, XXXX XXXX has REMOVED the alleged bankruptcy off of their files. As you know XXXX XXXX is the company that reported this information to Equifax, XXXX, and XXXX. XXXX has found no grounds to hold this erroneous information on my report and they have instructed me to dispute the information with XXXX, XXXX And Equifax, however these companies have been lying stating that they have verified this information but the truth is that there is no information to verify because as you can see it is not there, they are falsely verifying wrong information. Please have them remove this information.
Complaint sub-issue: Information belongs to someone else

XX/XX/XXXX I was notified that my info was breached in the XXXX data Breach and were eligible for 7 years of credit report and the erroneous and fradulant accounts would be investigated and to delete for they are not mine. As of today none of 3 credit bureaus have complied and has been going on almost two months without any help.

15 U.S.C 1681 and the FRCA act, everything must accurate and fair. 
The credit bureaus have violated my rights by still reporting these fraudulant accounts, even though I have sent FTC Identity Theft Affidavit and the EQUIFAX Claim settlement forms for proof that it was reported and filed XXXX XXXX XXXX and sent out.. 
The 3 bureaus continually still shows 3 different address, names, dob and erroneous and fraudulant accounts on my report. 
This is a clear violation of my rights as a consumer and the bureaus have refused to delete these obvious inaccurate and blatant erroneous accounts. 
I will resort to making a thorough complaint also to the XXXX if these accounts are not deleted.
Complaint sub-issue: Can't close your account

On XX/XX/2020 XXXXXXXX transferred all of my funds ( Checking & Savings ) to First Horizon Bank as part of a merge. Closures done without my knowledge & consent. After discovering my emptied accounts. I contacted XXXX XXXX gave me a phone number to First Horizon. After an hour on hold I was directed to the web site to access my new accounts. I was not provided with checks & still waiting for checks. Unable to pay bills. 

I live in XXXX XXXX. First Horizon does not nor are they going to open a physical location in the XXXX XXXX XXXX. I have been informed that all new physical First Horizon expansion 's are in the NC & Va. 

Today ( XX/XX/2020 ) I tried to transfer my Saving 's Account monies to new bank. The online cutomer portal would not allow me to access my new bank & account. Again, telephoned Customer Service. On the third attempt ( placed back into general que once, & disconnected from the system once ) I was then told it was impossible to telephone wire from account to account & that I would have to come in to a physical branch. The closest First Horizon Branch is 2.5-3 hour drive from my primary residence.
Complaint sub-issue: Didn't receive notice of right to dispute

I have done my research on this collection company that is reporting to my Credit Reports that I owe a debt, and in my findings I discovered via The California Secretary of State that XXXX XXXX XXXX is not, nor have they ever been bonded in the state of California to do business and/or collect debts. So i have questions : 1. What is your authorization of law for your collection of information? 2. What is your authorization of law for your collection of this alleged debt? 3. Can you evidence your authorization to do business or operate in this state?
Complaint sub-issue: Information belongs to someone else

Equifax shows a address and name that is completely wrong.      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX .  <P/> I have never lived there at all! I suspect fraud.  <P/> They also show a name as  XXXX ?  <P/> That is not my name.  <P/>  XXXX  is correct. Why is my equifax score at  XXXX  and my  XXXX  score at  XXXX ?  <P/> How can there be that big of a difference?  <P/> My correct information is :    XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   Ind  XXXX   I have worked at  XXXX ,  XXXX   XXXX , and now I work at  XXXX    XXXX  the  XXXX   XXXX   XXXX  .   This is not that difficult, why ca n't these credit bureaus communicate and ensure that information is correct. I believe these credit bureaus have a responsibility to ensure that information is correct.   Please have Equifax remove this fraudulent information. Thank you  XXXX   XXXX   XXXX
Complaint sub-issue: Information belongs to someone else

I am writing to complain about Discover Card and that company 's persistent attempt to report derogatory information to XXXX  and XXXX. The account in question ends in XXXX. This account was opened in XX/XX/2014. The credit limit on the account was {$4000.00}. Immediately upon receipt of the Discover Card, the identity thieves ran {$3900.00} debt. On XX/XX/2014 an {$80.00} payment was made. There was never any other payment on the account. There were 3 other minor charges made on the Discover Card. There were no other charges or payments made thereafter. 

Discover Cards own records indicate that the account was opened in XX/XX/2014 and closed XX/XX/2014. The entire lifespan of the account was less than 60 days. It is patently obvious that the identity thieves used the account for a very brief time before it was discarded. 

This is indicative of an identity thief using the card for in a rapid fashion before discarding same lest they be caught. The identity thieves appear to have utilized this for their own personal gain. The end result was that my information was compromised thereby resulting in these derogatory remarks in the XXXX  and XXXX  report. 

Further, this address associated with this account is XXXX XXXX XXXX XXXX California XXXX. This address does not belong to me. I have never had any relationship with the XXXX XXXX address. I am attaching my driver 's license demonstrating that my address is XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX.
Complaint sub-issue: Investigation took more than 30 days

I need my case reviewed. Everything is explained in the documents that I attached.
Complaint sub-issue: Their investigation did not fix an error on your report

I contacted Equifax to remove XXXX from my credit report I sent over the letter from XXXX to have account deleted. Equifax never removed the account I request by fax XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with no results
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I notified Equifax that I had someone attempting to open accounts with my information. The dispute was received but I was told they could do nothing due to my Identification information was not included. I have attached what Equifax has requested
Complaint sub-issue: Account status

Mortgage included in bankruptcy. Been more than 10 years. Bankruptcy has come off, mortgage has not. Is still reporting open with XXXX late. Have tried repeatedly with both XXXX XXXX bank and Equifax to get this off.
Complaint sub-issue: Received bad information about your loan

I consolidated my loans in 2015 with Fed Loan Servicing from Direct Loans to start the Public Service Loan Forgiveness Process. With the new temporary waiver I asked for consideration..they said they reviewed my account and they did not.

None of the payments I made to Direct Loans are being counted toward my payments as they should be now.

Also now according to the waiver payments made durinf teacher forgiveness should count. They have not.
Complaint sub-issue: Account status incorrect

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX-Balance {$0.00} XXXX XXXX-Balance {$0.00}
Complaint sub-issue: Transaction was not authorized

On XX/XX/2021 Cash App allowed multiple fraudulent transactions occur to my account, when the charges were initially made I reached out to the support via phone and chat support, which has not resolved my issue. On XX/XX/2021 after seeing the transactions in pending status I immediately alerted them, they stated they could only dispute charges after they posted. {$3.00} from a XXXX account was charged to my card 32 times totaling {$120.00}, to which I still have not received back! In addition, after speaking with the rep whom said someone would be in contact via email regarding this I HAVE HAD NO RESPONSE! I've called the same number XXXX for three days back to back and the automated voice indicates they're experiencing higher call volumes! NOT FOR THREE DAYS WHEN YOU HAVE ALLOWED FALSE TRANSACTIONS TO OCCUR! When chatting with support they advise you to contact the merchant to which I explained this is fraudulent, how can I communicate with someone who has stolen my information! In addition to the {$120.00} that was stolen from my account and has not been returned they have allowed multiple fraudulent transactions and have 7 pending for which I did not authorize! I have ordered a new card and yet still, on XX/XX/2021 they allowed someone to clear out the small amount that was reflected with a charge from XXXX  of {$3.00} several times, XXXX {$3.00} and several other names such as XXXX XXXX for {$100.00}, another user by the name of XXXX XXXX attempted to charge {$50.00}. This is disgusting and immoral that as a company whom houses funds from all over does not have security measures in place to protect my money, no efficient customer service representatives to proactively stop things like this from happening when I reported each transaction while pending and stated its fraudulent, and a non-working phone number that DOES NOT OFFER SUPPORT! I am irate and want my stolen money returned to me immediately!!!!!!
Complaint sub-issue: Keep getting calls about my loan

i was going to this private school called XXXX ( XXXX ) for XXXX program. while i was doing my XXXX the school was shutdown by the government. however the place i was doing the externship kicked me out because is shutdown. we supose to finish XXXX hours at XXXX to finish the school. I was almost there but somehow i was really disapointed when the school shutdown. So the weirds thing is this company that fasfa connected who paid my loan still asking me about the loan and keep adding some interest. i would like to get help for this because i didnt finish the school and i paid some of money and also i wasted my times. so i would like to get some help about this. thank you
Complaint sub-issue: Talked to a third-party about your debt

My hippa rights were violated. Resolve inc sent me debt validation with my medical information on it including procedures and medicines. My mother in law opened my mail and saw all of my information as well. They have no hippa disclosure included in the letter and I have never signed any type of hippa release.
Complaint sub-issue: Information belongs to someone else

The main 3 Credit Bureaus are attempting to ignore Federal Laws and statutes. I have contacted all 3 Bureaus in an attempt for them to investigate and remove these fraudulent inquiries from my credit report. They are currently in violation of 15 U.S.C 1681c-2, 15 U.S.C 1681s-2 & 15 U.S.C 1681m. 605B of the FCRA states ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

All of which has been given to the 3 main credit bureaus. They are in direct violation of Federal Law and open themselves up to a Lawsuit!
Complaint sub-issue: Information belongs to someone else

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : 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 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: Account status incorrect

Equifax needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Booked stay on XXXX for XXXX nights in XXXX XXXX, CA from XX/XX/2020 to XX/XX/2020. When we got there, the apartment was not clean, specially considering XXXX circumstances and that the host was marked as " Enhanced Clean '' where they are committed to a 5-step enhanced cleaning process. I called the Host and airbnb immediately, per their policy. After exchange of messages, we left the premises and found a hotel. Both the host and airbnb customer services did not respond for hours, leaving our family on our own during XXXXXXXX XXXX  and XXXX day. The host agreed to cancel our reservation and issue a refund, but we were only refunded for the cleaning fee. I followed up with both the host and airbnb and they considered my issue as a " cleanliness over oversight ''. Bottom line is, the host was not prepared to provide the service, she agreed to refund and airbnb did not help. 

Later on, I dusputed this charge with Citi credit card and they did not solve my issue. The truth is, I'm being charged for a service that I didn't receive. I tried contacting them all, but here I am, still wanting to find a resource to get this charged removed. 

The original charge was on XX/XX/2020 for {$1700.00} and I was refunded the cleaning fee for {$270.00}. So there is still the net amount of {$1500.00} that I am wanting to remove from my credit card. I contacted them again and they said I can not reopen a dispute. Please help. Thank you,
Complaint sub-issue: Was not notified of investigation status or results

This is a followup complaint to complaint id XXXX. I have filed another dispute -the same dispute - after the complaint was filed. 

I do not believe Equifax is looking into my dispute. XXXX XXXX XXXX  XXXX has reported multiple missed payments to equifax, those are false and neither XXXX of XXXX have these " late payments ''. When I call the credit card company they say that they can not find me in their system and therefore are unable to assist me. 

When I asked Equifax how are they verifying this information they tell me they call and speak with someone. 

Well I'm confused because the actual account holder can't call and be recognized so how can they? 

I've asked for the contact information they used and it's the same as mine. They never send me ANYTHING in writing about the results, the status or ANYTHING. I just so happen to check online and it says completed but then I can't see any results online so then I have to call and get absolutely nowhere. 

They are brazenly reporting inaccurate information and are doing nothing or the sort to even be helpful.
Complaint sub-issue: Information belongs to someone else

This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 )  ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.
Complaint sub-issue: Was not notified of investigation status or results

I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 30 days. I feel as though I'm being used and that my complaints are being ignored. It is clearly stated in Section 611 ( a ) that failing to investigate these issues within 30 days is a reason to remove those things off my credit report immediately. It has been over 50 days, and they should be erased immediately. I demand that these accounts be removed immediately, or I will file for litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.
Complaint sub-issue: Debt is not yours

I received an account statement from XXXX XXXX XXXX of XXXX, XXXX dated XX/XX/XXXX indicating I owed them US {$1100.00} for ER services received on XX/XX/XXXX. I called them on XX/XX/XXXX and told them I am not the person who received the services because I moved out from XXXX County on XX/XX/XXXX and that in XXXX I was already living in Rhode Island. They asked me for my DOB and confirmed that it is different than their patient 's. 

Later on XX/XX/XXXX I received a letter from the law offices of XXXX XXXX XXXX XXXX XXXX saying I owed US {$1100.00}. to XXXX XXXX XXXX XXXX XXXX and in XX/XX/XXXX I received another letter from the same people asking me to pay {$2300.00} to the same medical facility. 

I called the law firm on XX/XX/XXXX letting them know I am not the person who received medical services. They asked for the last 4 digits of my SS # and said they were going to relate it with the one of the person who received medical services, to make sure I am not her. 
I called again on XX/XX/XXXX telling them the same, I never received services in that medical facility. This time they said they were going to remove my name from they mailing list. I think they did, because I have not received more letters from them, but it looks like XXXX XXXX XXXX XXXX XXXX sent the account to another collection agency, Amerifinancial Solution. 

An alert from my credit card made me aware that something is damaging my credit. I called and they told me what's going on. According to XXXX the debt showing are two accounts, one for US {$620.00}. and another for US {$84.00} from the same medical facility.

I don't understand if since the first letter I contacted them and apparently it was clear that I did not received services. Looks like this person lived in the same trailer park I lived 20 years ago, is using the same name I used at that time, but I am not her.
Complaint sub-issue: Deposits and withdrawals

I open a second account on XX/XX/2021 transferred XXXX dollars to the new account that day. This was with US Bank on XXXX Street in XXXX, Ky XXXX. 
On Friday, XX/XX/XXXX deposited a USA business paycheck from my employer. 
Ten percent was made available then taken away. 
I called the bank four times to figure out what the issue was. 
They placed a hold on my check and said nothing would be available until the XXXX of XXXX. The paycheck check was direct deposited in the old account for over five years. When I tried to get my check back to open an account with another bank, they refused to give me my check back. 
Stating a hold was placed on the Check with no good reason or explanation.
Complaint sub-issue: Deposits and withdrawals

I have been trying change my name with Citibank for almost a year with no help. I opened an account with Citibank in the early XXXX. By XXXX  all branches in XXXX XXXX were closed. I have since married and changed my name and can not get assistance to update my account. They require a notary which I am currently unable to go to because of Covid-19 and my health issues. In all of the work I have done in changing my name on loans, insurance, etc. only Citibank has given me a difficult time. Changing my SSN was easier. I am unable to deposit a check because it is in the wrong name and there is no branch. I am being continually punished by a bank that refuses to help me or make any exception in this difficult time. I do not understand why a bank requires me to risk my life to reflect a simple name change. I was told I could change my name over the phone and am now being told I can not.