Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with statement of dispute

Requested an investigation in reference to a hard inquiry from XXXX XXXX on my credit report under Equifax. I already submitted an investigative dispute with Equifax numerous times with no success in removing inquiry. Next, I submitted an investigation with XXXX Billing and Credit Dept. via mail and received a reply via mail with no success in removing inquiry, pursuant to Sec. 604 ( F ) ( i ) and ( ii ) of the FCRA ( 15 USC 16816 ) according to reply letter. In closing, I contacted the Consumer XXXX Protection Bureau ( CFPB ), representative from before mentioned agency provided information in reference to this CFPB complaint, orientation provided via phone call and file a complaint in unison with the FCC via their web site.
Complaint sub-issue: Debt is not yours

I paid for an online school called XXXX XXXX XXXX XXXX XXXX ( XXXX ) with my discover credit card. Due to the pandemic, health-related, and facing hardship I was unable to finish the course with XXXX and XXXX refused to refund the money I paid even though I never received what I paid for. I submitted a chargeback with Discover card and Discover went in favor of XXXX leaving me responsible for the balance of over one thousand dollars, I've explained to Discover over and over that I have a medical letter excusing me from this school and also have provided proof of hardship, per consumer law if XXXX is refusing to refund my money, Discover card needs to step in and refund my money but Dicover is refusing as well.
Complaint sub-issue: Was not notified of investigation status or results

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX Equifax, XXXX andXXXX report this account as 60 Open/Late - XXXX and XXXX for two consecutive months which doesn't make any sense..Please remove the late payments reported on the accounts. I wasn't late on the month which credit bureaus report..How can an account be a charge off with balance? This is ridiculous.. Please fix the accounts and update it the correct status on
Complaint sub-issue: Didn't receive notice of right to dispute

This debt is a utility bill from a previous residence that included two other individuals that I no longer have contact with. I have payed a portion of this bill some time back and am working under the calculus that I do not owe further monies to this company due to paying my portion. 

Initially, this debt was listed as a collection on my credit report without any identifying information. After disputing this collection a couple of times and my credit report being updated to show the this collection was being handled by National Recovery Agency, I reached out via certified mail stating that I do not believe I owe further monies and to provide me with all account information including balance etc. ( this was taken from a letter on your website ). They signed for this letter on XX/XX/2020 and have not responded to my request. I would like to resolve this ASAP so that it does not continue to affect my overall livelihood.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX  account # XXXX XXXX  account # XXXX XXXX  account # XXXX XXXX  XXXX  XXXX account # XXXX, 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
Complaint sub-issue: Their investigation did not fix an error on your report

THIS IS IN VIOLATION OF MY RIGHTS AS A CONSUMER ... I have been writing all three credit bureaus since XX/XX/2021 and they have yet to update and correct my credit profile. I am aware that the credit bureaus purchase their public information from XXXX XXXX and XXXX. I contacted the U.S. Bankruptcy Court and I have attached a copy of the letter stating that they do not report to any reporting bureaus. If this is the case this is a violation of 611 ( a ) ( 1 ) ( A ) in which I have constantly asked each bureau to validate the information and send me copies with my signature. Each time they update the report stating that it remains the same and the information from the US Courts are overlooked and omitted. In absence of my signature to verify the information they have on my public records I asked for them to delete it from the credit file you maintain under my Social Security number. Additionally, credit bureaus DO NOT LIST XXXX XXXX AS THEIR INFORMATION PROVIDER WHICH IS A VIOLATION OF FCRA TO REPORT FALSE INFORMATION.
Complaint sub-issue: Received bad information about your loan

In XX/XX/2012 I received student loans of various types. At the time, with all of the information being provided to me, I was told that the loans would be low payments and I would have a Public Safety Loan Forgiveness set up. Following the end of school, I set up a payment plan with XXXX. The payments were manageable and were being paid. 

Since the conclusion of school, I have been required to reapply for payment plans, PSLF, as well as payment increased to over {$600.00} a month by companies. When changing loan companies, to lower payments and better customer service, I have been given contracts for payment that are manageable, with the PSLF. The contracts are then bought by FedLoan and then I am forced to reapply and/or the payment is higher. As well, a lot of the time, their apps don't work to make payment and service is horrible. 

At this time, I am back in school, so payments have ceased.
Complaint sub-issue: Company closed your account

I am the court appointed guardian for my mother,  XXXX   XXXX . She is elderly and suffers from  XXXX   XXXX . It is not possible to communicate with her. She maintained a checking account, retirement savings accounts and a credit card at PNC Bank  ( or one of  its predecessors in  XXXX , Illinois ) for many years. It took several attempts to get ahold of the rig ht PNC point of contact but the guardianship was finally established for the checking and retirement ac counts. I make all of mom 's financial decisions and I pay her bills from the checking account. I mistakenly assumed that the guardianship had been added to the credit card.     Mom resides in  a   XXXX   XXXX   ap proximatel y   1,000 miles fro m where I live. My sister lives near our mother and has physical possession of the card. She uses the credit card occasionally to purchase clothing, personal care products, etc. for our mother. I receive the bill for the credit card at my home address and pay the balance due from mom 's checking account. Overall, the arrangement had been working very well.     On  XXXX   XXXX ,  2017  I contacted the  XXXX  number for the credit card and tried to obtain more information about the reward poin ts ( 40,000 + )  mom had accumulated over the years. I would like to use the points for clothing and other items for her. I also wanted to " link '' the card to the PNC website which I regularly use for the checking and retirement savings accounts. I was informed by  XXXX   XXXX  that she could not provide me with any information about the account and I should contact a branch office.     On  XXXX   XXXX ,  2017  I met with  XXXX   XXXX  at the   XXXX   XXXX   XXXX   XXXX   in  XXXX  D.C.  XXXX  seemed to understand the situation and faxed the court documents to the credit card department. She said to allow up to  one  week for the guardianship to be added to the account and then I could attempt to link the card to my online banking as well as obtain rewards information. Two days later I received letters that the credit card was closed in order to " protect the cardholder. '' I took copies of the letters back to   XXXX   XXXX   office on  XXXX   XXXX ,  2017  and asked  XXXX  to contact the credit card department for clarification. She contacted me later in the day and informed me that the credit card department 's decision was unchanged.  XXXX  informed me that I could directly contact  XXXX   XXXX  at customer service. I told  XXXX  that contacting the  XXXX  number at  PNC  and explaining the guardianship situation has NEVER worked for any of the accounts involved here. I have always had to go into a branch office with my identification, copies of the court document, copies of the correspondence or transaction that was in question, etc. and together the branch employee and I could call the other PNC office. I asked  XXXX  to let me know when I could come into her office and together we could call the credit card department but I have heard nothing since.
Complaint sub-issue: Reporting company used your report improperly

I was part of the Equifax leak of sensitive, personal financial information. 

Confirmed by using https : //www.equifaxsecurity2017.comXXXX on X/X/2017.
Complaint sub-issue: Information belongs to someone else

Dear Credit Reporting Agency, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.
Complaint sub-issue: Card was charged for something you did not purchase with the card

My credit card with the account number ; XXXX XXXX XXXX XXXX was fraudulently used at a merchant named ; XXXX *XXXX XXXX   XXXX XXXX GA in the amount : {$2100.00}, {$2000.00}, {$2100.00}, {$2200.00}, {$2200.00} and according to the card terms and agreement, as I customer I am covered with 0 % fraud liability but my account was shut down and Elan financial Services are asking me to pay the amount of XXXX one also my account was shut down because they claimed I didn't responsibly handle my credit card properly which is no where in the agreement. I lost my card during the XXXX XXXX XXXX protest in XXXX, my wallet and ID And other credit card were stolen and this is something I don't have no control over. I am being treated unfairly and I feel intimidated/ discriminated against cause if I were to be a white customer I believe this situation would have handled a little differently.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX has a CO on the account in XXXX. I asked for it to be removed since the criteria for a charge off is 180 days. NOTHING was late beyond 60 days, and fully paid at 70 days. 

Instead, XXXX XXXX has added 3 additional months on my credit file.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I sent letters to the Credit Bureaus to remove the unauthorized inquiries and inaccurate information that are found on my report. But still those inaccurate items are constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. 
Inaccurate address : XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX EMPLOYER : XXXX XXXX Date Updated : XX/XX/2022 INQUIRIES XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022
Complaint sub-issue: Information belongs to someone else

This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 

DEPTEDXXXX  XXXX {$9000.00} DEPTEDXXXX   XXXX {$17000.00} DEPTEDXXXX   XXXX {$17000.00} DEPTEDXXXX   XXXX {$3700.00} DEPTEDXXXX  XXXX {$6000.00} USDEPED XXXX {$34000.00} XXXX XXXX {$2500.00} XXXX XXXX XXXX {$2800.00} XXXX XXXX {$2500.00} XXXX XXXX {$990.00} XXXX   XXXX {$7100.00} USDEPED XXXX {$8200.00} XXXX XXXX {$480.00} XXXX   XXXX {$5000.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureau XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Complaint sub-issue: Information belongs to someone else

This is the last letter that I am sending you before I take legal action. This is absolutely ridiculous. Your company is literally violating my rights as a consumer. If you are confused as to which rights let me tell you. 15 USC 1681c-2 as you refuse to block this information from my report within 4 business days of the receipt of my identity theft report. 15 USC 6801 as you are violating my privacy and causing substantial harm and inconvenience to me as a consumer. 15 USC 1681a as these alleged accounts are clearly from an authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. Lastly 15 USC 1681b as these fraudulent have been included in my consumer report with ANY written instructions by me. With that being said please remove these fraudulent accounts that are listed within the FTC affidavit that I included. Please also review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you ( Attach document that was sent to you via email )
Complaint sub-issue: Information belongs to someone else

I am submitting this CFPB Complaint to follow up the previous CFPB complaint I submitted on XX/XX/XXXX, requesting that the Credit Bureaus remove the disputed accounts and information from my Credit File. On XX/XX/XXXX, I also sent a dispute letter to the credit bureaus asking them to delete the following accounts : XXXX XXXX  XXXX Open Date XX/XX/XXXX Balance {$3200.00} XXXX XXXX  XXXX XXXX Date XX/XX/XXXX Balance {$2400.00} XXXX XXXX XXXXXXXX Date XXXX Original Balance {$2900.00} XXXX XXXX XXXX XXXXXXXX Date Assigned XX/XX/XXXX Original Balance {$570.00} XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX Original Balance {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Original Balance {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Original Balance {$1500.00} ; that are UNKNOWN to me. The Fair Credit Reporting Act 605B ( 15 U.S.C. 1681c-2 ) requires the credit reporting agencies to delete all accounts and information no later than four business days following XX/XX/XXXX, according to the statute that I just learned about. This is something I've already mentioned in my complaints # XXXX, # XXXX, and # XXXX and is something I'm mentioning once more. If the Credit Bureaus assert that the disputed things belong to me, kindly send me copies of any documentation that establish my ownership of the disputed items or that include my signature. The items in my credit file should be immediately removed if I don't receive them.
Complaint sub-issue: Didn't receive terms that were advertised

In  XXXX     2017 I r eceived a mailer fr om US BA NK stating the following : " Available nationwide, U.S. Bank is offering you a chance to earn a {$200.00} bonus when you open a new consumer checking account with direct deposit valid through  XXXX   XXXX ,    2017 wi th  promo code   XXXX . '' On  XX/XX/2017   , I called US Mortgage and spoke to a representative to explain the fine print On  XX/XX/2017    I opened my checking account online with USBANK.   I have since completed all the requirements and fine print, I waited the allotte d 6-8 we eks to receive my refund.   On  X/X/17    I spoke to various representatives and branch employees stating many different things from " we do n't offer that promotion '', " you need to wait more '', " your funds will be deposited on  XX/XX/17    ''.   On  XX/XX/2017   , I spoke to a representative named  XXXX  this morning and was told to wait some more.   This is a clear case of false advertising.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX #XXXX XXXX XXXX XXXX XXXX,XXXX  XXXX XXXX, VA XXXX (XXXX) XXXX 
Placed For Collection: XX/XX/XXXX 
Responsibility: Individual Account 
Account Type: Open Account 
Loan Type: COLLECTION AGENCY/ATTORNEY 
Balance: $XXXX 
Date Updated: XX/XX/XXXX 
Original Amount: $XXXX  
Original Creditor: XXXX XXXX (Medical/Health Care) 
Past Due: $XXXX 
Pay Status: >In Collection< 
Remarks: >PLACED FOR COLLECTION< 
Estimated month and year that this item will be removed: XX/XX/XXXX 
XXXX XXXX XXXX  #XXXX XXXX XXXX XXXX XXXX,XXXX XXXX XXXX, VA XXXX  (XXXX) XXXX 
Placed For Collection: XX/XX/XXXX 
Responsibility: Individual Account 
Account Type: Open Account 
Loan Type: COLLECTION AGENCY/ATTORNEY 
Balance: $XXXX 
Date Updated: XX/XX/XXXX 
Original Amount: $XXXX 
Original Creditor: XXXX XXXX (Medical/Health Care) 
Past Due: $XXXX 
Pay Status: >In Collection< 
Remarks: >PLACED FOR COLLECTION< 
Estimated month and year that this item will be removed: XX/XX/XXXX 
These items were put on  my credit report an they are not mine.
Complaint sub-issue: Information is missing that should be on the report

I recently moved to a new address and I informed Equifax about updating my credit report with my new address. I have mailed them letters along with my personal documents requesting for them to update my credit report to reflect my new address XXXX times. They have yet to update my address despite XXXX letters and XXXX phone calls requesting them to do so. I need my address updated ASAP.
Complaint sub-issue: Problem with customer service

In late XXXX I was forced to cancel a planned vacation due to a serious illness. The trip was, in large part, charged to my Citibank XXXX credit card. I called, about XXXX XXXX to request the refund XXXX XXXX had returned to my Citibank card be transferred back to me, electronically. The amount was approximately {$12000.00}. The current credit balance is precisely {$12000.00}. To date I have yet to receive my money. 
The reason given to me initially was I had given them the wrong bank routing or checking account number. Though I had not, I provided the information again. After about one week I was told it would take another 7 to 10 days. Then another 3 to 5 days. Finally, I was told the problem was Citibank could not confirm the checking account I had provided was actually mine. So, we agreed I would receive a paper check. After a week I checked and was told a paper check would take 3 to 4 weeks. At this point I have zero confidence I will receive my money at the end of this time which is another 2 to 3 weeks away. 
Please see my emails to Mr. XXXX XXXX XXXX, CEO of Citibank. No response has been received to either of them. Please help me assure I'm going to get my money. I need it more than Citibank does.
Complaint sub-issue: Company closed your account

Citi has closed my double cash card account in retaliation for me withdrawing my deposits and closing my checking and savings accounts. They have closed my account without notifying me and without just cause. They have revoked my access to make payments online, and refuse to send me statements. When I call the number on the back of the card to make my payments, their automated system malfunctions and does not allow me to make my payments. 

Since I am not receiving my statements, can not pay online, and can not pay over the phone... I have no way to keep this account in good standing. 

This is purpousful action taken by citi to try to destroy my perfect credit in retaliation for me cussing them out and insulting their intelligence. 

Thay have repeatedly claimed that they will no longer respond to these complaints that I'm lodging, yet continue to respond telling me that the problem is mine to fix, seemingly for the purpose of taunting me. 

Citi has been unreasonably lazy in their " efforts '' to resolve this situation and are refusing my payments. This complaint is intended to put on record that I have repeatedly attempted to pay my bill, which was due yesterday, and that Citi is refusing my payments.
Complaint sub-issue: Right to dispute notice not received

I never received proof of any debt and an opportunity to dispute it. I have contacted Hunter Warfield directly and they confirmed they had the wrong mailing address and that I did not receive any documentation.
Complaint sub-issue: Funds not handled or disbursed as instructed

ON FRIDAY, XX/XX/XXXX. AN AUTOMATIC PAYMENT WAS INADVERTENTLY PROCESSED TWICE. i NOTICED IT WHEN i CHECKED MY BALANCE ON MY MOBLE BANKING APP. i CALLED MY BANK IMMEDIATELY AFTER i WAS UNABLE TO CONTACT THE PAYEE. i WAS TOLD THAT BECAUSE THE PAYMENT ( S ) WERE PENDING, THEY WERE UNABLE TO STOP THE SECOND PAYMENT FROM COMPLETING. i WENT TO THE BANK AND SPOKE TO THE MANAGER AND EXPLAINED MY SITUATION - THAT MY RENT WAS DUE THE SAME DAY, AND MY FUNDS BEING HELD UP WERE PREVENTING ME FROM PAYING ON TIME, AND THAT IF THIS WASN'T RESOLVED BY END OF BUSINESS, I WAS GOING TO HAVE TO PAY AN {$85.00} LATE FEE, AS THERE IS NO GRACE PERIOD. THE MANAGER TOLD ME THAT THEY HAD TOO MANY ISSUES STOPPING PENDING PAYMENTS IN THE PAST, SO THEY STOPPED THE PRACTICE. APPARENTLY, PEOPLE WERE MISUSING IT. I EXPLAINED THAT I HAD BEEN A CUSTOMER FOR YEARS AND IN GOOD STANDING. THEY COULD CLEARLY SEE THIS PAYMENT HAS COME OUT EVERY OTHER WEEK, WHEN MY PAY CHECKS ARE DIRECT DEPOSITED, AND IT WAS CLEAR THAT THIS ONE HAD PROCESSED TWICE. THE END RESULT WAS I HAD TO PAY THE LATE FEE, BUT WAS FINALLY ABLE TO CONTACT THE PAYEE, WHO INFORMED ME THAT THIS WAS A GLOBAL ISSUE OF PROCESSING DOUBLE PAYMENTS. THEY WERE ABLE TO REFUND THE SECOND PAYMENT, BUT NO ONE HAS BEEN ABLE TO COMPENSATE ME FOR THE {$85.00} LATE RENT.