Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

I wrote letters to the credit agencies as well as the collections agencies to have them provide proof under federal law that the debts belong to me. They did not provide any proof whatsoever other then letters saying that the debt was verified as belonging to me. No physical proof was provided as these debts do not belong to me. I wrote letters to XXXX in regards to XXXX XXXX debt {$490.00}, and XXXX XXXX for {$2300.00}. I wrote letters to Equifax for the debt of XXXX XXXX for {$51.00}. I also wrote letters to XXXX for the debts of XXXXXXXX XXXX XXXX for {$2900.00}, XXXX XXXX for {$2300.00}, and XXXX XXXX for {$490.00}. I wrote multiple rounds of letters with no proof provided. I would like these removed from my records as soon as possible.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later i have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person
Complaint sub-issue: Account status incorrect

I am the parent/co-signer on my son 's student loan that is serviced by Key Bank/XXXX XXXX XXXX. I send in monthly payments by automatic debit from my business account with XXXXXXXX XXXX. I sent check # XXXX for the sum of {$220.00} on XX/XX/XXXX ; and check # XXXX for the sum of {$220.00} on XX/XX/XXXX. XXXX XXXX XXXX lost both checks. I contacted them via email on XX/XX/XXXX and forwarded copies of my bank statements showing the cashed checks. XXXX XXXX/Key Bank reported delinquency notices on my credit report causing my score to lower approximately 70 points. On XX/XX/XXXX, I spoke with Supervisor, XXXX ( Employee XXXX ). I informed him that XXXX sent me the cancelled checks cashed by XXXX and asked to settle the account. XXXX informed me that Key Bank has no process to settle accounts. I want to be able to settle the account due to the unfair damage Key Bank/XXXX XXXX caused me on my credit report.
Complaint sub-issue: Problem with customer service

Its been a month ( XX/XX/XXXX ) since Ive asked Discover to send XXXX XXXX their money back for a balance transfer that was sent from XXXX XXXX to Discover in error. Ive called Discover numerous times and was told to wait longer. Finally, on XX/XX/2019 I called Discover and was told that XXXX XXXX must fax a request for the money ( no one called me to tell me Discover is waiting for this fax ), yet XXXX XXXX already sent this request back on XX/XX/XXXX ( trace # XXXX ). Discovers customer service throughout this fiasco has been tragic and infuriating. Today I spoke with the executive office after filing a XXXX  complaint to expedite this crucial issue, and I was simply told there is an an open investigation with no promise of performance. 
XXXX XXXX case # XXXX - Discover case # XXXX - XXXX XXXX sent request for monies : XX/XX/2019, trace # XXXX
Complaint sub-issue: Can't close your account

I received a letter and debit card for an account that I did not open. I called both PayActiv and XXXX XXXX XXXX XXXX XXXX. PayActiv refused to close the account and XXXX XXXX XXXX XXXX XXXX refused to close the account. I did not open the account.
Complaint sub-issue: Trouble with how payments are being handled

Discover Student Loans issued my monthly statement in the beginning of XXXX of 2018 indicating the payoff amount for all of my loans totaled approximately {$58000.00}. Then, over a series of payment between XX/XX/XXXX and XX/XX/XXXX, I payed {$62000.00} to Discover Student Loans to repay my debt. Discover Student Loans did not accept many of these payments and issued " Payment Reversals '' for many of these. However, I was never issued a refund for reverse payments - Discover Student Loans still has all the money that I paid them, but the amount has not been applied to my loan. Discover Student Loans is now claiming that I owe an additional {$16000.00} dollars. I have clear records of all my payments, and because all of these payments occurred electronically, my personal bank also has record of these payments, with no record of refunds ever being issued. It is my belief that Discover Student Loans is fraudulently attempting to take money from me that they are not entitled to. Please contact me to assist with this manner and so that I am provide further details. 
Thanks You, XXXX XXXX ( Primary Borrower ) and XXXX XXXX ( co-signer and brother of the borrower )
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

A student loan with XXXX was closed XX/XX/XXXX. The last payment on this loan was XX/XX/XXXX. This loan was granted a forbearance, XX/XX/XXXX, for 13 months, until XX/XX/XXXX. However, XXXX closed the account XX/XX/XXXX, with any reason. They have been unwilling to provided documentation after I requested it. They never stated why the account was closed while the loan was in forebearance.
Complaint sub-issue: Personal information incorrect

My personal information is incorrect please update and delete wrong information.
Complaint sub-issue: Deposits and withdrawals

citibank contacted me several times about needing information for my accounts. i called them back at least 5 times to ask what they needed. they kept telling me they would check into it and never did. they ended up freezing my accounts for over a week and checks were bouncing. they finally fixed it. to keep my accounts open, they want me to give them so much information. many of the questions seem intrusive. i have had these accounts for 25 years there.
Complaint sub-issue: Unable to open an account

I opened a checking account with Citi Bank over their telephone service because they had a promotion offer. I deposited XXXX dollars at the time. On XX/XX/2022, I received their welcome package and the debit card arrived on XX/XX/2022. I tried to set up an online account which didn't work and I couldn't activate the card either. Then I called the customer service and little did I realize that the new account has been frozen for closure. Well, why? They were around and around, transferring my call to many different departments and never gave me a clear answer. The agents told me that the bank will mail out a check to my address in 30 to 60 days. " I don't really care about the new account anymore. It is too much problem with you. Just transfer the money to my original account. You were so quick to grab the money, in fact, it only took two days for them to cash out the money from my another bank account. Surely, you could be able to transfer or mail the check to me in two days. '' These are word that I said to them, must have been more than ten different agents. They wouldn't do anything about it. Best thing they could come up was that telling me to go to one of their branch offices. I have to travel five hours each way to go to a branch office since my location doesn't have one. This is a joke! This is ludicrous! No one should put up with this. First of all, they advertise false promotion. Then they take customer 's money and block or close the account so that customers do not have access to their monies. There are so many complaints about Citi bank which are talking about the customers are not able to get their money back for many many months. I firmly believe that the Citi Bank is intentionally doing this to use customer 's funds. This is illegal activity! This is fraud! I should have no problem about opening an account with any bank. I have excellent credit score and I have accounts with several major banks. At this point, I do not want to have any account with Citi Bank. I will definitely stay away from the Bank for my life time. All I want is to have my XXXX dollars back to me. I shouldn't wait for sixty days. I don't even trust them anymore after the experience about the account opening process and reading many of the online customer complaints. The bank has no regards for people. I shouldn't have to drive hours to find an branch office. My time is valuable just as theirs. There is no way that any customer should tolerate this kind of abuse and fraudulence from a big corporation. As long as the big companies can get away with it, they would keep doing it to take advantages of ordinary customers. Their wallet is getting XXXX because of us. Without our support, they are nothing! Customers should be protected. Their hard earned monies should be protected. All the years of savings should not be taken advantage because we just trusted the Bank. I sincerely appreciate you are here for us. Please do something to help me and help the others. Thank you.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

OnXX/XX/XXXX,  Home Depot in XXXX NY charged me XXXX as part of order XXXX for tile and materials for a special order. address is XXXX XXXX XXXX XXXX NY XXXX and phone number is XXXX XXXX
email address for manager is XXXX XXXX 

Due to the ineptness and disorganization of the project (we started planning the project inXX/XX/XXXX and as of last week they were unable to get a proper measurement and define the materials for the project after 5 weeks), we decided to not move forward with order XXXX. We have received no materials or services from Home Depot for this work order. I have been corresponding with XXXX XXXX for the last week and we have spoken to numerous folks in the store and they were very rude to my wife and told her they would not help her and XXXX and his team at the XXXX store is unwilling to reimburse the charge from our Home Depot account.

We spoke to XXXX from Citi Financing tonight and have disputed the charge and we will also speak to the Better Business Bureau and an attorney in the XXXX.

Please reimburse the XXXX this is very simple and should be very simple for XXXX or someone at the store to reimburse the charges but they are unwilling to do this and again have been very rude to us.

I will guarantee you that we will never shop at Home Depot again and once we get reimbursed we will close our account.
Complaint sub-issue: Debt is not yours

I'm really not sure what is being charged on my credit but I know for sure I don't owe anything!! I've been trying to fix this and all I get is put on hold for hours ... ....
Complaint sub-issue: Problem accessing account

Im unable to link my account to my XXXX and XXXX accounts for automatic payments. This makes no sense.
Complaint sub-issue: Threatened or suggested your credit would be damaged

After speaking to my insurance company regarding payment of the claims, my insurance informed me that they had requested the company call them and/or submit additional information regarding the claims. My insurance company informed me that because CAC XXXX did not communicate and respond to them the claims were not paid. 

After my dispute of the 8 different collections on my credit reports ( XXXX, XXXX and XXXX   ) it appears the CAC removed the collections in XXXX, 2019 and resubmitted them as new in XXXX, 2019.
Complaint sub-issue: Received bad information about your loan

I am attempting to get a loan paid off in full in XX/XX/XXXX reopened and payments made refunded. I asked for a refund from FedLoan on XX/XX/XXXX and was told it was in process. This was the case when I called back a week later to confirm. On XX/XX/XXXX when I called to confirm again they said I would need to go to XXXX and that they had no idea why a refund request was submitted. I have spent 2 hours on the phone with Fed Loan Servicing trying to find out what's going on. They repeatedly sent me to my new servicer XXXX XXXX who would then send me right back to FedLoan. 

Today XX/XX/XXXX, I spoke to XXXX at Fedloan ( Id : XXXX ) who told me I should just " wait and see there's nothing anyone can do ''. I asked to be escalated and she escalated me to XXXX ( XXXX ) who told me that my paid of of loan was being transfered to XXXX because FedLoan didn't have time to process my refund.
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

Identity theft reference number XXXX
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX  more than 21 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Complaint sub-issue: Information belongs to someone else

XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. Equifax XXXX Experian Re : Inaccurate accounts & Unauthorized inquiries, claiming I owe, threatening to take me to civil court. To whom it may concern : You have continuously reported inaccurate accounts and unauthorized inquiries on my credit file. I am in distress, I have contacted the police department to file a police report against all companies I have listed below, I have also contacted the Federal Trade Commision informing them of the violations that you have violated me as a consumer within the laws of The Fair Credit Reporting Act, The Debt Collection Practice Act Sections 1929 ( e ) which clearly states that any information known to be false can not be reported to any credit bureau. I also received a letter in the mail claiming that i owe a debt to the above collection agencies. Since this is an error, I request that you send me the following proof that you are obligated to do in accordance with The Debt Collection Practices Act section 1692 ( g ) A. The original Application or contract. B. Any and all statements allegedly related to this debt. C. Any and all signed receipts. D. Any and all cancelled checks. Under the law you have 30 days to supply this proof, in addition do not contact me again by phone. From now on we will communicate through mail. I request that you immediately delete this information from my credit report. Please send me a copy of my updated credit report as soon as the above has been completed. Sincerely
Complaint sub-issue: Information is not mine

This {$100.00} XXXX bill, I have no idea where it came from, I dont see my name on it anywhere, it is really effecting, my credit, I need it removed. Please contact me XXXX XXXX XXXX - I am trying my best to clear up my credit. I will Pay the {$100.00} if I have to, but this needs to be resolved immediately
Complaint sub-issue: Account information incorrect

The name of the company is called XXXX XXXX XXXX, however they show up on my equifax and XXXX report as XXXX XXXX XXXX. THEY ARE REPORTING ON BOTH MY EQUIFAX AND XXXX THAT MY ORIGINAL BALANCE FOR MY LOAN IS XXXX. They are currently reporting that I still owe XXXX and that my last payment was in XXXX. This is deceptive/ incorrect information as I pay them XXXX XXXX monthly and have paid in full as of XXXX, XXXX AND XXXX. $ XXXX. Which means I current owe {$94.00} and this needs to be reflected on both reports immediately. The payments are on autopay every two weeks. This company is very deceptive, unprofessional and shady, Ive asked to speak to supervisors on XX/XX/2022 and was told I can only speak to one supervisor per day. This company has also taken money from my account without my permission and then told me I had to wait 3-5 business days after theyve taken money from me. Please update my credit report correctly.
Complaint sub-issue: Information belongs to someone else

2021 SOMEONE RENTED AN APARTMENT WITH XXXX XXXX XXXX IN UTAH FRAUDULENTLY IN MY NAME WITHOUT MY CONSENT. 
NOW EQUIFAX CREDIT REPORTING IS POSTING FRAUDULENT INFORMATION ON MY PERSONAL CREDIT REPORT FALSELY. EQUIFAX IS IN VIOLATION OF MY FCRA RIGHTS. 
THE XXXX XXXX XXXX ACCOUNT IS NOT MINE, I NEVER OPENED IT.
Complaint sub-issue: Their investigation did not fix an error on your report

In the month of XXXX in XXXX, I discovered that Equifax had published several unauthorized items on my consumer report without permissible purpose. I sent a dispute letter to XXXX on XX/XX/XXXX via USPS Certified postage. They NEVER responded to that dispute letter! 

These blatant actions that the Executive Officers of Equifax clearly condoned have caused me loss of business relationships, XXXX instability, XXXX and XXXX XXXX due to public embarrassment and shame by my family who mistakenly opened and read my mail, ( due to a similar name ) discovering these several unauthorized items on my consumer report published without permissible purpose.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act the following accounts have violated my rights. 
1 : XXXX XXXX account # XXXX 2 : XXXX XXXX XXXX XXXX  XXXX ) account # XXXX 3 : XXXX XXXX  account # XXXX 4 : XXXX XXXX account # XXXX 5 : XXXX XXXX XXXX account # XXXX 6 : XXXX XXXX account # XXXX 7 : US BKPT CT NJ XXXX ref # XXXX 8 : XXXX XXXX account # XXXX 9 : XXXX XXXX account # XXXX 10 : XXXX account # XXXX 11 : The XXXX XXXX XXXX account # XXXX 12 : XXXX XXXXXXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Information belongs to someone else

This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 


XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$810.00} ; XXXXXXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX, NV XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX
Complaint sub-issue: Information belongs to someone else

There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. MECHANICS BANK, Inquiry : XXXX XXXX, 2019. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.
Complaint sub-issue: Investigation took more than 30 days

On   XXXX   XXXX   XXXX  , I filed a complaint with the CFPB re :  XXXX . It is now   XXXX   XXXX   XXXX   and you have not followed the guidelines of the FCRA or FDCPA which allows  XXXX  Days for your company to respond to the complaint. By not replying in a timely manner to my initial letter on you have not only violated federal law, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the accounts are being reported accurately. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Attorney  Generals o ffice, should you continue in your noncompliance. I further remind you that, as in  XXXX  v.  XXXX   XXXX   XXXX , No.  XXXX  (  XXXX .   XXXX   XXXX   XXXX   ), you may be liable for your willful non-compliance. As you have now violated federal law, by not properly investigating within the required time-frame, and I have evidence of such, via the CFPB website.You must now remove the items. I am filing a lawsuit against your company. I would be seeking {$1000.00} per violation for :  1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act These are the accounts that I demand removed : 1.    XXXX   XXXX    XXXX   2.    XXXX   XXXX     XXXX   3.   XXXX   XXXX   XXXX  4.   XXXX   XXXX   XXXX    XXXX   5 .  XXXX   XXXX   XXXX   6 .  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX .  XXXX   XXXX   XXXX  8.   XXXX   XXXX     XXXX  9.   XXXX   XXXX    10 .  XXXX   XXXX   XXXX  #  XXXX  11.  Judgement Case  #  XXXX . Please be advised I am also filing a lawsuit against your company for falsely reporting all of accounts above. None of my accounts end in  XXXX . You are not showing the full account number, which can easily belong to another person. Therefore, since you are not providing the full account number that is considered false information. You are now also in violation of the FCRA providing false information. The judgements CAN NOT be verified due to the fact that in your verification, it is impossible unless you file a motion to the court to obtain my full social security number to PROVE that the judgements actually belong to me instead of someone else with a similar name.
Complaint sub-issue: Information belongs to someone else

Shortly after the Equifax breach settlement of 2017 I incurred massive unauthorized charges across the board in my credit accounts and utility accounts. It is the fiduciary responsibility of all cras to look into the matter and make sure that it is available that. I have attached an FTC for report in regards to the manner and look forward to the resolution and the maximum time allowed by law 5 days being properly executed.