Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020, I sent a letter regarding inaccurate and unknown items on my credit report. It has been over 50 days since I sent my letter and I have yet to receive a response. I feel like I my disputes are being ignored and I am being taken advantage of. It is stated in secton 611 ( a ) that a failure to investigate these items within 30 days gives a reason to immediately remove them from my credit report. It has been over 50 days so they should be deleted at once. I demand these accounts be deleted immediately or I will have to file for litigation. This situation has caused stress and has negatively affected my living situation. My information was also impacted by the Equifax Data Breach and may have got into the hands of the wrong person.
Complaint sub-issue: Right to dispute notice not received

on XXXX/XXXX/2015, collection agency went on my credit reports, in violation of fcra, fdcpa etc..
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Complaint sub-issue: Information belongs to someone else

i am seeking assistance from CFPB regarding my CrediXXXX that has been destroyed in the last year. I traveled overseas on XX/XX/2017 and returned last month to the USA. After i realized i couldn't locate my personal belongings. Then i checked my credit card accounts online and realized everything was maxed out. i ran a credit check on Annual credit report and realized all my accounts were charged off or gone to debt collection. I am unable to do anything due to this issue. I have kept all my finances in order before i left USA and i have reason to believe someone has used my information or actual cards. Debt reported : XXXX XXXX XXXX - {$3000.00} XXXX XXXX - {$6100.00} XXXX XXXX - {$8800.00} XXXX XXXX - {$4600.00} XXXX XXXX - {$3700.00} XXXX XXXX - {$3200.00} XXXX - {$13000.00} XXXX XXXX - {$6600.00} XXXX XXXX - {$1100.00} Discover - {$7100.00} The amount is totaling up to {$57000.00} I need immediate assistance to regain my credit and protect my self from identity theft in the future.
Complaint sub-issue: Was not notified of investigation status or results

I didn't get notification regarding the disputes I sent for the following accounts I listed. It has been several months since I'm disputing these accounts : XXXX XXXX XXXX Account # : XXXX | XXXX XXXX Account # : XXXX | XXXX  XXXX  Account # : XXXX | XXXX Account # : XXXX | XXXX  XXXX Account # : XXXX | XXXX  XXXX Account # : XXXX
Complaint sub-issue: Information belongs to someone else

I called the lawyers to return my refund amount of an estimate of {$300.00} and they have failed to do it. I also stated that they need to remove the credit report in my file and they have also failed to remove it. They have known that this is an identity fraud in my credit file since mid XXXX an estimate of XX/XX/2019 from Discover Credit Card that went to collection and now the XXXX XXXX XXXX has the authority of all the financials. Attorney XXXX and XXXX are the ones I have spoke on the phone and both attorneys have ignored my requests.
Complaint sub-issue: Trouble with how payments are being handled

XX/XX/XXXX - I submitted PSLF employment certification form to FedLoan for period covering XX/XX/XXXX to present for employment with the State of SC. My employment was previously certified dating back to XXXX of XXXX only as I was in a 27+ month forbearance period from XXXX to XXXX of XXXX. Based on the PSLF limited waiver, I submitted a request for the period of XXXX to XXXX ( even my online FedLoan account shows eligible payments in date range of XXXX to XXXX but requiring approved employment in order to qualify ). Based on advice I received from FedLoan PSLF customer service rep about filing this ECF, I submitted a request to certify my entire employment history with the State to include the the period of time already certified ( XXXX to XXXX ), as opposed to only seeking certification for the period from XXXX. 

XX/XX/XXXX - Received letter from FedLoan notifying me that they updated my PSLF payment counts based on the employment information submitted. However, the only updates FedLoan made were to those between XXXX and the date of my ECF submission. They completely ignored the XXXX period. No rejection, no notes or explanation, no call to employer for additional information .... nothing. I subsequently called FedLoan PSLF line 3 times with waiting periods ranging from 1.5 to 2.5 hours. Each time I explained this issue. During first call, customer service rep indicated he understood the oversight and that my ECF would be reviewed with a determination made within 7-10 business days. It's been 3-4 weeks with no updates. My two other calls yielded no additional information that was helpful.
Complaint sub-issue: Information belongs to someone else

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and or the company is reporting false information because I did not give permission for none of these items listed. I ask that the items be deleted to correct my credit report.I reported the these inaccurate items to the XXXX XXXX XXXX and I also have enclosed copies of the XXXX XXXX XXXX XXXX. Please delete the items as soon as possibl
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I purchased a vehicle on XX/XX/XXXX and requested to be financed through XXXX XXXX. Because they financed my previous vehicle that was totaled on XX/XX/XXXX. I have received multiple notices from financial institutions that were not authorized to access my credit information.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX {$20000.00} Balance updated XX/XX/2021 10 late payments Account Info Account number XXXX Original creditor : XXXX XXXX XXXX / XXXX County {$460.00} Balance updated Account Info Account number XXXX Original creditor : XXXX XXXX XXXX / XXXX County {$340.00} Balance updated Account Info Account number XXXX Original creditor : XXXX XXXX XXXX / XXXX County {$2200.00} Balance updated Account Info Account number XXXX Filed FTC, Remove these accounts from my report!
Complaint sub-issue: Information belongs to someone else

I am a victim of the recent Equifax data breach and identity theft. The following account and hard inquiries dont belong to me : XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX and XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, Furthermore, I have not been 30-59 days late with my car payment to XXXX XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

For my XXXX XXXX credit card, I did not get 2 months of e-statements. In additionally, I attempted to make an online payment but the payment did not process. I was not notified that the account was past due as courtesy and since payments are made on time. XXXX refunded the late fee ( see attached ) but would remove the negative reporting of past due 30 days to all 3 credit bureaus. 

I had to call to get my account summary to updated to show payment reflected on my account ( see attached ). I made the payment on XXXX and had to call XXXX on XXXX to ask why my account summary is showing only XXXX available credit when the entire balance was paid off on XXXX of XXXX. I think XXXX is having online technical issues and its negatively impacting customers accounts. XXXX is not being transparent to customers and would prefer to allow false reporting be sent to the credit bureaus. XXXX said payment had to be released and I had to call. When I made the payment online it did state for me to call back or was I notified of the hold. And the payment taken from my bank account on XXXX/XXXX/XXXX and its showing in the recent transaction section payment made on XXXX/XXXX/XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$48000.00} ; XXXX XXXXXXXX Balance : {$360.00} ; XXXX XXXX XXXX Balance : {$340.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX  XXXX XX/XX/2022 -XXXX  XXXX XXXX XX/XX/2022 -XXXX  XX/XX/2022 -XXXX  XXXX XXXX XXXX  XX/XX/2022 -XXXX  XXXX  XX/XX/2022 -XXXX  XX/XX/2022 -XXXX  XX/XX/2022 -XXXX XXXX  XX/XX/2022 -XXXX  CA XX/XX/2022 -XXXX  XX/XX/2022 NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX -XXXX  XXXX XXXX -XXXX  XXXX  XXXX -XXXX  XXXX  XXXX -XXXX  XXXX XXXX -TXXXX XXXX XXXX XXXX -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: Card was charged for something you did not purchase with the card

Was charged {$1000.00}, by someone who hacked one of my accounts. I called my credit card company, told them it was fraud, and they have refused to do anything about it. Every time I call, they say call back in 10 more days. I'm being charged interest for a fraudulent transaction and they insist on giving me the run around. When I told them that they're giving me the run around and that I've provided the proof they asked for they said to quote, " I'm not going engage that conversation. '' And " it's your responsibility to keep calling in because its your account. '' When I asked, what I'm supposed to do about the interest I'm being charge for the fraudlent transaction I was told, " after the investigation is done, which will take 30 days, we'll see what we can do. '' This is unacceptable. They don't care about {$1000.00} that was stolen from me.
Complaint sub-issue: Investigation took more than 30 days

I have sent out letters and contacted the bureaus several times in regards to incorrect information. I believe my information was affected from the Equifax data breach. this incorrect information on my credit report is devastating because I cant get anything. Please help correct this problem.
Complaint sub-issue: Account information incorrect

FedLoan Servicing sold my account back to the Department of Education in 2019 and failed to remove their accounts from my credit reports. They are still reporting delinquency on my credit reports when they no longer own the accounts. My credit reports show the same accounts reporting twice for two different loan servicers, which increased my DTI and affected me when purchasing my home. This has been an ongoing issue for years, and when I contact FedLoan Servicing, they transfer me from department to department or tell me to write a letter that they never respond to.
Complaint sub-issue: Their investigation did not fix an error on your report

DiscoverBank Is reporting account number : XXXX as opened on two different days. The date open reporting to XXXX is XX/XX/2013 and the date opened reporting to XXXX XXXX XXXX This account is inaccurate in its reporting and is in violation of the FCRA. I contacted the company in an attempt to fix the issue but they continue to reply with statements and settlement offers. The statements are not enough to validate the account. They have failed to meet my demands to provide me proof of the original day the account was opened and have neglected my attempts to correct the problem.
Complaint sub-issue: Information belongs to someone else

There are currently numerous items being reported on my credit report that I have NO knowledge of. This was a result of malpractice or an error.
Complaint sub-issue: Information belongs to someone else

A XXXX XXXX credit card was opened in my name on XX/XX/2018. I did not authorize.
Complaint sub-issue: Account information incorrect

XXXX  is showing error several error s on my credit report first one is company called XXXX  I've never had XXXX  card or account before dispute several times for it too appear again on my report also shows I have late payments on my XXXX XXXX card never been late also on my car loan shows late never late XXXX  refused too help me.
Complaint sub-issue: Problem with fees

On the US Bank mobile app, I selected the due date of Sunday, XX/XX/XXXX, as the payment date. The funds were withdrawn from my credit union bank account Mon, XX/XX/XXXX. US Bank charged me a {$45.00} late fee for the {$45.00} payment. It is nonsensical to me that US Bank 's app would allow me to select a payment date for an online payment where they know banks will not process payment.
Complaint sub-issue: Reporting company used your report improperly

In accordance to the Fair Credit Reporting Act, the companies below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX has violated my rights : XXXX XXXX XXXX ( XXXX ) have violated my rights by reporting inaccurate and inconsistent information that I have not authorized by verbal or written consent. 

15 U.S.C. 1681 section 602a - states I have a right to privacy.

15 USC section 604 -states a consumer reporting agency can not furnish an account without my permission.

15 USC 1681c ( a ) ( 5 ) - states no consumer reporting agency may make any report containing any of the following information ; any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15USC 1681 S-2 ( A ) ( 1 ) states a person may not furnish any information relating to a consumer to any consumer reporting agency, if the person knows or has reasonable cause to believe the information is inaccurate.
Complaint sub-issue: Problem getting your free annual credit report

On XX/XX/2021, I consumer XXXX XXXX, attempted to obtain my free credit report from the credit reporting agencies and I was getting an error, therefore I can not access this file.
Complaint sub-issue: Problem with fees charged

On XX/XX/XXXX, I called US Bank to ensure that they did not take an automatic payment for {$320.00} because my lease had been terminated on XX/XX/XXXX and paid off. The representative told me that because I did not call XXXX business days in advance of when the payment would be taken out ( i.e., XX/XX/XXXX ) that there was a chance the automatic withdrawal would go through. She stated that she placed a " stop payment '' on my account. The payment for {$320.00} was subsequently withdrawn from my account on XX/XX/XXXX. 

I called to follow up with US Bank on or around XX/XX/XXXX to inform that they had taken the money from my account by mistake. They stated that they issued a check to my previous address on XX/XX/XXXX for the full amount ( i.e., {$320.00} ) and that it would take 7 to 10 business days to arrive to my home. I requested that they place a " stop payment '' on the check and reissue a new one to my correct address. They said that it would take 2 to 3 business days to reissue and send. It is now XX/XX/XXXX and I have not received a check. 

Today, US Bank again took a payment for a lease I no longer have for {$320.00} despite my calling them twice to confirm that the stop payment was effective. This caused the account to overdraft by {$20.00}.
Complaint sub-issue: Their investigation did not fix an error on your report

I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 

I see inaccurate information across the three credit reporting bureaus. As you can see Date of Last reported, date of Last Active, as well as payment status shows different information. I attached a  screenshot of the exact report I received. 

I hope you take this seriously. Thanks!
Complaint sub-issue: Other problem

Citi is refunding {$330.00} XXXX to its credit card customers XXXX XXXXXX/XX/2018 XXXX XXXX If you have a Citi credit card in your wallet, you may be owed some money as part of a settlement that Citibank has reached with the Consumer Financial Protection Bureau ( CFPB ). 

RELATED : What happens to credit card debt when you die? 

The CFPB said that Citibank failed to reduce the annual percentage rates ( APRs ) on some customers credit cards : As described in the consent order, the Bureau concluded that Citibank violated the Truth in Lending Act by failing to reevaluate and reduce the annual percentage rates ( APRs ) for approximately 1.75 million consumer credit card accounts consistent with regulatory requirements, and by failing to have reasonable written policies and procedures to conduct the APR reevaluations consistent with regulation. 

Under the terms of the consent order, Citibank must correct these practices and pay {$330.00} XXXX in restitution to consumers affected by them. 

Citibank self-identified and self-reported the violations to the CFPB, so no additional fines were assessed. 

XXXX reports that Citibank said the refunds will average about {$190.00}. Theyre expected to be issued to affected customers by the end of the year. 

In a statement to XXXX, the bank apologized to consumers for not correcting the matter sooner. 

According to XXXX, customers who are owed money from the settlement dont have to take any action theyll automatically be refunded. 

Read more about the settlement from the Consumer Financial Protection Bureau. 

I tried numerous times to get them to see there was several errors on my account. 
Based on this lawsuit I am due restitution. However, I have not received any information from Citibank regarding this.
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information. Due to your lack of response, or response which I classify as frivolous, you have dishonoured FCRA regulations and my request for verification. If you wish to correct this dishonour, I will give you one more chance to correct your errors and update my records. Please correct the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXXXXXX Late Date XX/XX/22
Complaint sub-issue: Problem with personal statement of dispute

On XX/XX/XXXX, I was informed that the bank denid my request to remove the delinquency charge. 

They admitted that the mail had bounced as I had not been able to receive mail due to the homeowner who sold me the home losing the keys, and that US Bank had the incorrect email on my file so I did not receive any email notifications about my delinquency as well. 

I thought my account was setup with XXXX and enrolled in autopay, so when I found out that my score dropped 150 points due to a delinquency charge ( unknowing that another bank had taken over my account ), I immediately found out whom owned my loan by searching XXXX and paid off the debt. 

Because there are a lot of phishing calls, when they called me to notify me of delinquency, I would immediately hangup because I thought it was a scam because in my head, I was auto enrolled in my mortgage payments and no bank would call me. I figured they just wanted my personal information because I had never heard of this bank.
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 U.S.C. 1681. 

XXXX XXXXXXXX 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 DP OF EDUC XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C. 1681 602 : ( a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C. 1681b ( a ) : Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S.C. 1681c ( a ) : No consumer reporting agency may make any consumer report containing any of the following items of information : ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years ( 5 ) any other adverse item of information, other than records of convictions of crimes which antedate the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) Duty of furnishers of information to provide accurate information ( 1A ) Reporting information with actual knowledge of errors. 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, the consumer, in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following companies : XXXX, XXXX, and Equifax. I have informed the consumer reporting agencies XXXX, XXXX, and Equifax by mail of the specific accounts they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ).
Complaint sub-issue: Investigation took more than 30 days

I mailed a certified letter with return signature required to LexisNexis on XX/XX/2020 asking them for the method of Verification concerning the bankruptcy they listed on my file. I did not receive an answer and called them 15 days later and was told they were re investigating the public record. I told them I wanted their method of verification since they had been reporting this on my credit report on different agencies. I finally got their reply today XXXX XX/XX/2020 ) which does not state their method of verification nor any details on their investigation. They are not providing the basic information I have asked for not once but 3 times ( that is why I sent the certified letter ). I am tired of getting the run around.The FCRA states I have the right to the method of verification and yet they continue to deny that to me. I am enclosing all of the documents as proof of my statement.
Complaint sub-issue: Problem accessing account

PNC not allowing bank account to be linked to XXXX account.