Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

On XX/XX/2019, Equifax sent me a letter stating : " We have received your request concerning inaccurate information on your Equifax credit file. 

A preliminary review of your Equifax credit file indicates that the Social Security Administration ( SSA ) has associated your Social Security number with a person reported as deceased. It is important that you contact the SSA to protect your current and future benefits eligibility. '' I called the number listed on the letter and spoke to a customer service representative. I first verified that my social security number was listed correctly on my credit file. After being placed on hold several times, the customer service representative could not answer any questions regarding this letter I received. They stated that there were no " deceased '' remarks on the credit file. I asked if they could see the letter they sent me. They had no access to this information. I asked to speak to a manager and without asking or putting me on hold. The customer services representative told me there were no managers available. I am clearly not deceased and wanted to know why I received this letter. The CS rep would not answer this question and had no information about it. 

I received this letter in response to a dispute letter I sent. I feel that this letter was a stall tactic used by the credit bureaus to prevent me from disputing the information on my account. I asked them to verify that the bankruptcy listed on my credit report was correct. I received a letter stating that it was " verified as accurate '', I then asked them to provide the method of verification used to verify the public record. They responded back that it was " verified as accurate ''. I then sent them another letter asking to remove the item off my credit report and I received the above-refrenced letter. This was sent to me as a stall tactic to prevent me from disputing incorrect and inaccurate information on my credit report.
Complaint sub-issue: Debt is not yours

I do not know the date of original charges. They have never sent me any verification. I have disputed these numerous times to no avail. I have never had a XXXX XXXX Account.
Complaint sub-issue: Trouble with how payments are being handled

Payments were made in XXXX, XXXX and XX/XX/XXXX were made to Sallie Mae Student Loans to pay off the loans permanently. I had called them in XX/XX/XXXX to confirm that the loan was paid off. I was told by a representative my loan was paid off and I was owed money. The representative told me that I was owed a little over XXXX dollars and the change of status in my account would be reflected in the next billing cycle. 

I checked my account in XX/XX/XXXX and the account still said that I owed {$1200.00} but owed nothing current. I left it alone thinking the representative meant the next billing cycle, meaning XXXX. I checked my account on XX/XX/XXXX as a relative notified me that they had called Sallie Mae and made a final payment towards the account even though I had been told the loan had been paid off. I witnessed the payment was in the midst of being processed. I signed into my account again on XX/XX/XXXX. The money transfer had been process and confirmed. The balance for my account was {$0.00} dollars, therefore, the loan should have been paid off at this point. 

I proceeded to sign into my account today XX/XX/XXXX to go over some documents that my relative had requested from me. It was then that I noticed that Sallie Mae reversed the payment back into the bank account that it had came from. And I now owed the XXXX plus an additional XXXX cents of interest accrued. I called to gather information in regards to this discrepancy and I was not given a straight forward clarified answer as why the money was returned back to the account. I was told it was an issue with the bank but was not given further details. This is the 2nd time with Sallie Mae since XXXX that I have attempted to pay off my loans and I am being given a hard time. I am being given false information in regards to my loan and they are reversing payments for no reason and blaming the bank for their mistake. The payment was clearly received and processed correctly. I am filing a complaint because this is highly unprofessional and I would like nothing more than to be done and over with with this company. I only ever received around XXXX dollars of the XXXX I was promised but have yet to receive.
Complaint sub-issue: Trouble with how payments are being handled

I have had outstanding student loans for over 20 years. I have been making payments on them every month. Lately I began paying {$1200.00} per month in order to get rid of them. I started looking at the principal and interest on the loans. Nelnet is charge me {$50.00} more per month in interest now even though the rates on both loans are fixed. I do not see any way that the interest can increase after 20 years when my payments are over 4X the required amount. I've asked for an amortization schedule. The loan balance isn't high enough for an additional day to cause that much cost. They are not calculating my payments right and they haven't been for months. If my interest was {$100.00} per month before the large payments, it should not change. It can't be {$150.00} now. I have tried several times to get this remedied and I don't believe any of them even understand what's going on. 

I am sure this is inaccurate at best ... could be worse.
Complaint sub-issue: Information belongs to someone else

I recently filed a report with XXXX, XXXX and Equifax of inaccurate items being reported on my credit reports. NONE OF THE THREE BUREAUS REMOVED THE INACCURCIES. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of the debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being reported on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipts otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by The Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Complaint sub-issue: Public record

XX/XX/XXXX, I disputed a Judgement from XXXX district court for a Judgment from a Utility company. I called the court, and i also showed up in person. I inquired about the verification process to the credit bureaus, as well as the judgement there is no Judgment of any kind against me, or having to pay any judgment. I then mailed Equifax 2 to 3 times giving them the opportunity to correct this entry, Equifax has openly refused and willfully continues to leave derogatory information in my credit report. the negative items are damaging my financial life. I do n't have a lot of files to support this due to Equifax making it a must to correspond/ reply online and the result are only available for 30 days.
Complaint sub-issue: Contacted me instead of my attorney

I have been trying to get Allied Interstate/XXXX to communicate with my credit counselor regarding my debt. Despite receiving verbal and written authorization to do so, they still refuse to communicate with him. 

I have also agreed to a settlement amount of {$1500.00}, but the last time I spoke with Allied they told me that they could only mail the settlement letter and that they would n't date it for further than 10 days from the day I spoke with them - which would not give me enough time to send the settlement payment.
Complaint sub-issue: Investigation took more than 30 days

XXXX XXXX was hired less than 3mos ago for 9mos stretch.some items removed ... other inconsistently across all three major bureaus.THis is a fcra violation. 

recently I have sent all 3 demand for dispute multiple times. Certified mail, uncertified mail, email, FAX ... etc. I am lied to my face about if certified mail has been sent with the hard card and USPS mailing card in my hands. 

My files remain uncorrected. creditor contacted take sweet time in getting back to me beyond 30 day limit and then begin to make claim that debts are accurate after extorting me for over 12 mos. This said, XXXX XXXX was on retainer last year for around 9mos until I discovered they were scamming me. debt collections should have ceased, irregardless if anything was filed w the courthouse. If I must, I will hire another attorney to do it again and I will pay cash. The problem is the bureaus repeated refusal and noncompliance. They make claims yet are unsupported by evidence NOT sent to me, and supported by the FCRA itself which nobody at any bureau has bothered to read. I have skimmed the entire document in full looking for violations and found over 10 per credit bureau over the past 10 years. accounts I demanded removed ( XX/XX/XXXX )  repeatedly mo after mo I am sent and they are still there. accounts are " confirmed '' w no evidence as to HOW sent to me.
I am repeatedly asked for my blood type each ( week now ) time I dispute anything w anyone and then the reply is DENIED, INCOMPLETE, YOU ARENT YOU and YOU DONT LIVE THERE..or my files are changed behind my back wo my permission.I have had unlawful freezes multiple times in the past I did not authorize. bureaus are now refusing to freeze my files. my online access has been denied and locked up " in investigations '' that take years to unlock. 

FINAL NOTICE BEFORE SUMMONS of ENTIRE COMPANIES before XXXX COUNTY JUDGE for non-compliance. I HAVE INCHES OF PAPERWORK -- I had years worth in XXXX XXXX that got stolen.I had loads more last year. Law firms such as listed online refuse my case even though I have one against the bureau and then run thier mouth at me for reasserting my valid claim.
Complaint sub-issue: Information belongs to someone else

I wrote to the XXXX  credit bureau, File # XXXX and disputed items from US Dept of Education and and XXXX XXXX XXXX XXXX on XX/XX/2020. The credit bureau did not remove the items. Also, XXXX  and Equifax credit bureau is reporting same incorrect information.
Complaint sub-issue: Can't close your account

On XXXX my debit card was declined. I called TCF bank and they informed me there was suspicious activity on my account. I received a new debit card XX/XX/20 and again noticed suspicious activity on my card. I called TCF to report it. I decided to close my entire account to protect my funds. That same day I went to the XXXX, mn TCF location and closed my account and withdrew my funds. I signed off that I wished to close my account and was handed a slip stating my account was closed. My balance at that time was {$0.00} My direct deposit from my employer went through on the account after it was closed. When I previously closed my act on XX/XX/20 the teller told me and direct deposits would be rejected. On XX/XX/20 I again went to withdraw these funds. The teller told me my account was never closed but had a debit hold. On XX/XX/20 I completed the same paperwork to close my account and again was given a receipt stating my account was closed. My balance at that time was {$0.00}. 

XX/XX/20 I received mail from TCF stating my account was over drafted by {$130.00}. The letter states they will submit to collections. 

Both times I have tried to close my account my balance was {$0.00}, after withdrawing my funds. There was no reason for TCF to refuse to close my account and verbally and in writing tell me it was closed. I would like to close my TCF bank account and would like them to stop allowing transactions in/out of my close account.
Complaint sub-issue: Account information incorrect

XXXX/XXXX - Last reported XX/XX/XXXX - Charged off / Closed - Last payment XX/XX/XXXX - Credit Limit Equifax is falsely reporting the above credit card, I have tried disputing it with Equifax however they will not remove this account as it has been paid in full since XX/XX/XXXX to the collection agency that bought this debt. 

Equifax Dispute information : CREDIT FILE : XX/XX/XXXX Confirmation # XXXX
Complaint sub-issue: Account information incorrect

Accounts and inquiries appear on my credit report that are unverified and unauthorized
Complaint sub-issue: Need information about your loan balance or loan terms

( XXXX XXXX XXXX ) Account Number : *** To Whom It May Concern : I would like to make arrangements to settle the above referenced matter. 

Please provide me with your statement of the amount owing as of XXXX XXXX weeks together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. 


Please provide original master promissory note. Thank you very much
Complaint sub-issue: Used obscene, profane, or other abusive language

By Discover Financial Services, continuing to report Misleading/unverified information as a consumer my rights have been violated and I attempted to allow discover to remedy the issue but it has not currently. My forms were sent to Discover, clearly outlining the violation of the FDCPA, never acknowledged despite me proving and providing them with documents such as : Validation of Debt, Cease and Desist, Affidavit of truth, Notarized by Notary, Examples of violation. 
My affidavit of truth and these other documents has been Notarized and sent off on XX/XX/2021 to Discovers Executive office, certified mail, return receipt. Additionally, a separate incident, proof of phone calls which clearly shows Violation of the FDCPA ( fair debt collection practices act ) The Report number : XXXX is for that issue and I sent invoice for. These are some of the violations 15 usc 1692a. 15 15 usc 1692b. 15 usc 1692c.

15 usc 1692d. 15 usc 1692e. 15 usc 1692f. 15 usc 1692g. 15 usc 1692h.

15 usc 1692i. 15 usc 1692j. 15 usc 1692k. The specific violations are in pdf form as proof. After sending my complaint, discover is now wanting me to submit forms or they will close out my account on XX/XX/2021 despite me sending a cease and desist and no remedy as been offered.
Complaint sub-issue: Account status

Equifax responded to a complaint and they state that the status of the XXXX account has been updated to PAID IN FULL. However, they still list the STATUS as CHARGED OFF, which is not the case. The information that they received from XXXX in order to update the reporting is that the account is that it is PAID IN FULL. I have uploaded that document. That is the current STATUS and it is required by law that it is reported that way by the credit bureaus. 
Charged off is an IRS term meaning that XXXX offset their taxes with the amount. Now they have to reverse that process and report it as INCOME, once it is paid in full the status of CHARGED OFF no longer exists. The amount has been disputed for three years due to XXXX unfairly charging overdraft fees. 
Thank You
Complaint sub-issue: Information belongs to someone else

XXXX, Equifax, and the XXXX XXXX XXXX is reporting inaccurate information on my consumer report and they refuse to remove the inaccurate information which is a violation of the FCRA. They are reporting account XXXX XXXX XXXX on my consumer report and i have no knowledge of this account. I've sent numerous letters to XXXX and Equifax asking them to remove the account, but they keep stating the account has been verified without sending me any information on how and who verified this account. If this account is not remove immeditely i will be forced to file litigation against all 3 companies. Also As a consumer I have a right to privacy Under the FCRA, 15 U.S.C. 1681 ( 4 ) which states, There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality and a respect for the consumers right to PRIVACY. They have violated my privacy which can be considered identity theft. They do not have a permissible purpose to furnish my consumer report. I did not give you any written instruction to do so. This is also a violation Under the FCRA, 15 U.S.C. 1681b ( a ) ( 2 ) Permissible purposes of reports.
Complaint sub-issue: Account status incorrect

The bureaus are reporting an account with XXXX XXXX that I settled last year!!! I have sent in multiple disputes and they continue to report this debt. I have sent several letters to XXXX XXXX saying they are reporting inaccurately and have filed several complaints and no one can get a hold of them. This account is hindering me from being able to buy a home and this needs to be fixed immediatley.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I sent a dispute letter to CITI regarding an account on my credit report for which they claimed that I owed {$1200.00}. I challenged the accuracy, compliance and reportability of this listing because I am unaware of owing money to this company. I also requested to validate the information, and to provide me with any documentation associated with this account, bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. And that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from their company or any company that they represent, for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act ; therefore if they can not validate the debt, they must request that all credit reporting agencies delete the entry. They did not respond within the 30 day period. On XX/XX/XXXX I followed up with another dispute letter to CITI stating that by not replying in a timely matter to my initial letter on XX/XX/XXXX, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I stated that I was making a final goodwill attempt to have this matter cleared up because the listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. On XX/XX/XXXX I received a letter back from CITI stating that the account was " Valid '', but I never received any validation with any documentation associated with this account bearing my signature. On XX/XX/XXXX I sent another dispute letter to CITI stating that they have failed to provide me with a copy of any viable evidence bearing my signature showing the account is being reported accurately. I requested the description of the procedure used to determine the accuracy and completeness of the information. And additionally I requested for CITI to provide me with the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. On XX/XX/XXXX I received a letter back from CITI stating that the account was " Valid '', but I never received any validation with any documentation associated with this account bearing my signature. I have been getting the same response since.
Complaint sub-issue: Not given enough info to verify debt

I have a XXXX XXXX bill on my credit report. I paid this item, but I was never issued a notice and had no opportunity to dispute the debt. Because a dispute investigation was never conducted, then it should not show on my credit history. Please remove from my credit report. Thank you
Complaint sub-issue: Was not notified of investigation status or results

I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the second complaint I have had to make about the lack of response. My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to XXXX, XXXX and Equifax. The complaint numbers were XXXX ( Equifax ), XXXX ( XXXX ) and XXXX ( XXXX ). While I understand that there is a pandemic which can cause delays, I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of XXXX, XXXX  and Equifax, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by ANY of the bureaus to resolve anything ; in fact some have stated my complaints were duplicated ( when in fact 1 was for my wife ) or that they would investigate and send me the results but I have YET to receive anything! I have also ready that there was data released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. XXXX, XXXX and Equifax must be held accountable and to the standards clearly outlined in the FCRA.
Complaint sub-issue: Funds not received from closed account

On XX/XX/2020, I opened a checking account with US Bank online. I funded it with {$50.00} by debit card, and to reach the {$1500.00} minimum balance to avoid maintenance fees, I deposited a {$750.00} check on XX/XX/XXXX and a {$700.00} check on XX/XX/XXXX via mobile check deposit and drawn on another bank account of mine elsewhere. I had to do separate deposits as there was a {$750.00} daily check deposit limit. A few days later I received letters stating these checks would be held and not available for 7-10 business days, as I expected as it was a new account. Then on XX/XX/XXXX, I received a letter from the unnamed branch manager of the XXXX XXXX XXXX branch that my account was being closed due to suspicious and irregular activity. I was very surprised and confused, so I called the branch phone ( XXXX ) as the letter instructed, and could not reach anyone. I then did some internet research to find that XXXX XXXX was the manager of the branch and emailed her asking why my account was being closed. She called me a couple hours later and explained that if I read the account disclosures, I would know that the bank can close an account for any reason and that the reason was that most people don't make two mobile check deposits within a day of each other for about the same amount. I explained that the checks have already cleared my other bank ( XXXX, on XX/XX/XXXX and XXXX respectively ), and why the account needed to be closed since a hold is sufficient to ensure the checks are good. She insisted that it was suspicious and that if I wanted to come to the branch that she would help me read the disclosuresa sarcastic remark I did not find helpful. She said my employer direct deposit that was paid that morning would be returned to my employer ( which was incorrect ) and the balance would be mailed via check in 10 business days. I did receive my paycheck back from US Bank on XX/XX/XXXX ( 18 days after it was paid to my account ) via US Bank certified check by mail in the amount of {$620.00}. Since then, I have not received the remaining {$1500.00} of my balance, over a month after these deposits cleared. On XX/XX/XXXX, I emailed the XXXX as instructed by the check letter, along with supporting documentation, and demanded my remaining balance. I received no reply. On XX/XX/XXXX, I received a final account statement via mail showing a final withdrawal on XX/XX/XXXX of {$1500.00} with no description other than " 32/ [ my account # ] ''. I called the main customer support line at XXXX and spoke with a XXXX who could not provide any information on where my {$1500.00} was and what the withdrawal transaction was. She referred me to call XXXX where I could not reach anyone. For over a month, US Bank has frozen and closed my account and continues to withhold {$1500.00} of my money due to no fault or wrongdoing of my own. As a public accountant and ex-banker who has never once overdrawn an accountmuch less passed a fraudulent checkI am floored by the fraudulent ineptitude of this bank and of XXXX XXXX. Please help me recover my {$1500.00} from US Bank. Thank you.