Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was paid

In XXXX a payment for my XXXX purchase was an issue due to card not processing. I immediately fixed it and the payment went through. at that time I realized my available purchase amount as not able to be seen. I contacted customer service through their online chat and was told it would update in a week, the payment just needed to process. I waited two more weeks and still nothing was showing and the available amount was actually decreasing but unable to be used either. I contacted them again in XXXX after it was roughly two months of it's a system error, it will update correctly. During this time I was being told I had unpaid balance when trying to use the payment service at checkouts, when I would go to my account there would be no issue. Finally in XXXX I contacted customer chat again and it was escalated for the third time. I was told it would take 48 hours for a response, it took about a week. Now a supervisor is telling me due to account activity I am no longer able to use XXXX, which came as a shock to me. I explained my confusion, only to be sent a generic response that didn't even answer my confusion. I immediately called their customer service line, after waiting for 2 hours collectively, first called " dropped ''. The rep couldn't give me a straight answer on why my account was blocked. I asked to speak with a supervisor, and the supervisor refused to speak with me and told me to contact the credit bureaus to fix my issue. I was very confused and asked the rep how would the credit bureaus know what to do with their company error. He responding not knowing but that it was a credit bureau problem and I had to call all 3, I asked what I would be saying and he literally couldn't give me direction. at this point i knew i was being given the run around. I finally reported this to the Better Business Bureau, only to have Klarna respond that 3 years ago I had an unpaid balance which they paid and due to that I can't use their service. I just want to state that balance was paid, and I have been using Klarna for the past 7 months with about 20 purchases all successfully paid. This company is unjustly blocking my account and instead of being honest finding any reason to not assist me. I also want to point out to this day it says i have an unpaid balance if i were to try and use it, but when i go to the app i owe nothing.
Complaint sub-issue: Problem with customer service

Studentaid.gov does not have legal loan paperwork nor promissory note. Can not provide evidence loan exists nor previous payments made during 24 years Said loan supposedly existed. Payment terms were 20 years and never missed. Terms of loan met. Therefore balance legally zero. No evidence provided by supposed creditor to validate their claims. Current rules of Biden Administration if no evidence payments not made then assumed that they were made. There are no records of payments. Even though loan conditions met they refused to provide evidence and refuse terms met. And yet credit bureau still reports this damaging credit report.
Complaint sub-issue: Information belongs to someone else

I sent a letter on ( insert date letter was sent to bureaus ) to remove ( personal information, address, accounts name & account Number ) that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NV XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Complaint sub-issue: Don't agree with fees charged

CFPB Student loan - complaint reference - Re : Your submission, [ Case number : XXXX ] re submitting to dispute I am very dissatisfied with the response received and no consideration given to my complaints and Financial situation. 

From the response, please can I add that I did not end up doing an internship due to serious family illness since XX/XX/XXXX to XX/XX/XXXX and subject to that, I was very much out of scope to continueand securing further training and subsequent XXXX for many years thereafter. Basically, my mother was XXXX and sadly passed away XX/XX/XXXX. Thereafter my father was ill and had a XXXX around XXXX. I was therefore unable to proceed to further training, membership exams etc, for many years having to work and care for my father, until last year XX/XX/XXXX, he sadly passed away. ( Evidence can be provided upon request ) I managed to find a job just so I could start paying the student loan fees. 

I also contactXXXX University around XX/XX/XXXX to request further information surrounding recognition with the XXXX XXXX XXXX in the XXXX. However, they have totally dismissed my case and have not responded to important questions, even though I called numerous times and also wrote to the Registrar, and Clinical Director, but no responseto questionsthat the XXXX XXXX have asked. 
I just felt very degraded the way they treated me and there was no way of following up on this as they have just completely ignored my requests, and being in the XXXX makes it harder to communicate and get answers. Even to date I have had no response. I really did not know what to do and became very frustrated, on top of being financially stressed. 


I was very irate and disappointed withXXXX University administration and now they have jeopardised my career as a practising physician. 
I have never completed any form of licensing exams due to the fact that XXXX University have been very uncooperative and unsupportive. 
I feel as though they has rendered me of my future career and useless degree, where I am not able to prove it 's recognition to the XXXX XXXX XXXX XXXX has not beencooperative. Having given these loans, through XXXX, I feel that they have not supported me in any way now and that some form of redress and compensation should be made for injury to feeling and financial distress caused over many years. 

Therefore, I am asking for this case to be reviewed by a senior Ombudsman for causing me inconvenience, Financial distress and injury to feeling. That XXXX University have not been reasonably cooperative to my requests and all in all to be compensated for blocking my career. 

I look forward to hearing from you.
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 XXXX later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days 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 be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Complaint sub-issue: Didn't receive enough information to verify debt

I have made repeated attempts with XXXX XXXX XXXX to get an itemized bill and medical records. When I call I'm either told the system is down, or I have to leave a message and no one returns my call. I have no problem paying the debt once I am given the chance to look over records and the bill to make sure I am being appropriately billed. This is no different than receiving a recipe for goods or services bought.
Complaint sub-issue: Information belongs to someone else

After looking over my credit report sometime last year in the past Ive realized that I have more than several erros that is listed under credit profile. I have no clue as to how they ended up on my credit file and I take it that your company has ignored me for more than a year about this error and I havent received any results from my internal dispute since last year XX/XX/2017. I am fed up at this point and feel as if no one is looking into this situation. By law THE FCRA section 609 states that if an account or inquiry isnt verified correctly it must be removed permanently without the original contract and the consumers signature. The following items are to be disputed internally within 3 days max. XXXX 1. XXXX XXXX XXXX = ACCOUNT 2. XXXX XXXX = inquiry 3.  XXXX XXXX 2x = inquiry 4. XXXX XXXX 4x EQUIFAX : 1.XXXX XXXX XXXX 2 . XXXX XXXX XXXX  : XXXX XXXX
Complaint sub-issue: Information belongs to someone else

On XX/XX/2019 I filed an identity theft dispute with Equifax. In this dispute I submitted a letter indicating what information was fraudulent and that I was requesting for the items to be blocked pursuant to section 605B of the Fair Credit Reporting Act. In this packet I submitted a copy of my drivers license, social security card, bank statement, police report, FTC Identity theft report including all of the fraudulent accounts opened in my name, a copy of section 605b of the FCRA, as well as a copy of my most recent credit report with Equifax with each of the the items that were fraudulently opened in my name circled. I spoke with Equifax today regarding my dispute and was told that my request to block the fraudulent items from my credit report has been denied. I understand that the credit bureaus has a right to deny the block information under section 605 ( c ) of the FCRA. ( c ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 
Equifax has failed to provide me a reason why this request was denied which is required. I filed a police report with my local police department as well as with the Federal Trade Commission. I have sent both reports to all of my furnishers including all of the 3 major credit bureaus. The other 2 credit bureaus XXXX and XXXX   have accepted the same exact dispute and have removed the fraudulent information from my credit file. Equifax thinks that they don't have to abide by the federal laws of the fair credit reporting act which is why I am filing this complaint.
Complaint sub-issue: Deposits and withdrawals

I'm unable to connect my XXXX acct with PNC
Complaint sub-issue: Information belongs to someone else

This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 

XXXX XXXX XXXX XXXX Opened : XXXXXXXX XXXX XXXX Amount : {$27000.00} XXXX XXXX XXXX XXXX Opened : XXXXXXXX XXXX XXXX Amount : {$54000.00}
Complaint sub-issue: Information belongs to someone else

I was in the process of purchasing my first car. I went to XXXX XXXX to pick out car I wanted. I had to get my credit pulled and I was shock when I was told I could still purchase the car, but I was going to have a really high interest rate due to several things on my credit I should of never had. There are several things on my report I never ever applied for and I am really upset with whatever the case maybe on my report. Please remove these things off my credit.
Complaint sub-issue: Trouble with how payments are being handled

Dear CFPB My name is XXXX XXXX and I am a federal student loan borrower with Fedloan servicing. I have contacted FEDLOAN and disputed specific ineligible payments and Fedloan never responded. I am asking CFPB to contact Fedloan to fix the payments that inaccurately reflect ineligible. There are several payments made between XXXX to through XXXX that are not reflecting accurately. While those months report ineligible payments were accepted. 

Thank you for your guidance and assistance in this matter.
Complaint sub-issue: Account status incorrect

I have a XXXX XXXX through XXXX XXXX ( XXXX XXXX ). There was a data breach at the company that caused them to want the card frozen. Unfortunately, and through no fault of my own, their computers never shut the card down and I was able to continue making purchases on it. One day, after checking my account details, I noticed purchases having been reversed. In addition, there was a 60-day delinquency being reported. 
I called Customer Service with regard to the matter, and a manager named " XXXX '' called me back the next day. He explained that, in their error, the card was never shut down as they wanted it to be. A new card had been sent to my old address and returned to them as undeliverable. XXXX assured me that all would be taken care of. They would send me a new card, to my current address, and would also remove any and all derogatory information sent to the credit bureaus. This was in XXXX. 
Last week, around XXXX XXXX, my credit monitoring notified me of another 60-day delinquent notice that had been sent to the credit bureaus. In addition, an " over the limit '' indicator was there. This, combined, caused a XXXXpoint decrease in my score. 
I called Customer Service and they reiterated the conversation I had with XXXX in XXXX. It was confirmed that I had faxed in the necessary information to have the new card sent. However, I was told that they would need to confer with XXXX related to any reversal of late fees and also any removal of negative information to the credit bureaus. 
I was told XXXX would call me " right away '' but no word from him at this point. XXXX XXXX indicated this was their error and they would be happy to fix it.
Complaint sub-issue: Account information incorrect

Please see attachments. The information being reported by all of these bureaus is inaccurate and needs to be corrected. They claim to have contacted you and that you verified this as accurate. I know it's not accurate and you should too. I am hereby demanding this be immediately corrected by you. If it is not I will not hesitate to include you in the law suit against all 3 bureaus! I will also go public with the law suit! Anyone else having issues with you too will be able to take legal action too. The bureaus are notorious for constantly creating these types of errors then refusing to correct them. I'm sick of it and am not afraid to sue all of you for violating the Fair Credit Reporting Act laws! The bureaus do it all the time. YOU should not be doing this!!!
Complaint sub-issue: Information belongs to someone else

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, MS XXXX ; XXXX XXXX XXXX XXXX, MS XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX MS XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$200.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$480.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$770.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX.-XXXX | Date of Inquiry : XX/XX/XXXX Dispute this XXXX XXXX XXXX | Date of Inquiry : XX/XX/XXXX not mine XXXX, XXXX, XXXX XXXX XXXX XXXX & XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX all not my inquires
Complaint sub-issue: Reporting company used your report improperly

in accordance with the fair Credit Reporting act. the list of accounts below has been violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. section 602 A states i have the right to privacy,15 USC 1681 section 604 A States a consumer reporting agency can not furnish a Account with out my written instructions. account XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Bankruptcy Chapter XXXX dismissed reference # XXXX, Bankruptcy Chapter XXXX reference # XXXX 15 U. S.C.1681 605 No Consumer Reporting agency may make any consumer report containing any of the following items of information : Bankruptcy 15 U.S.C 1666B A Creditor may not treat a payment on a credit card account under an consumer credit plan as a late for any purpose
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a complaint on XX/XX/2021 to CFPB regarding EquiFax not removing unauthorized inquiries from my credit report. The Complaint ID was XXXX. EquiFax Response was : " Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information was completed and results were mailed to you. We hope this resolves your concerns. If you have any additional questions, you may call ( XXXX XXXX XXXX or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. '' I have taken a screenshot of their response via mail regarding this matter and it clearly stated that " The results are : Inquires are a factual record of file access. Should you have reason to believe this inquiry was unauthorized, Please contact the creditor directly and follow their internal fraud procedures. '' EquiFax is the CRA and never sent my disputes to the companies inquiring my personal information, unauthorized. XXXX removed them promptly after they investigated and couldn't verify. See Screenshot below of EquiFax, clearly stating they didn't investigate but instead told me to call the creditors. By law you are suppose to investigate any inaccuracies that you are reporting on my reports. Next will be a summons to court in my local venue if you do not fix this matter promptly.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I checked my XXXX XXXX credit score and my XXXX is showing 6 hard pulls that I do not recognize.XXXX XXXX XXXX XXXX XXXX XXXX XXXX were pulled XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX were pulled XX/XX/XXXX. I alerted XXXX and set a 90 day fraud check on my accounts so hopefully that deters any identity thief from trying to take out any more credit. If I could get assistance in this, it would be great.
Complaint sub-issue: Information belongs to someone else

Rise account was opened in my name years ago via identify theft. Report was filed and company absolved me from the debt and verified it was fraud but yet continued to sell the debt to collection agencys who is trying to collect on this debt that isnt mine currently. They readded this identify theft under the new collection agency.
Complaint sub-issue: Reporting company used your report improperly

Several violations by XXXX XXXX and the XXXX major Credit reporting agencies has taken place. 

15 USC 1681 ( a ) ( 4 ) consumer right to privacy. Why are my so called " late payments '' being reporting and personal information such as involuntary repossession.

15 USC 1681a ( 2 ) ( A ) ( i ) Reported information can not be only transactions and experiences between the consumer and a company. 
I was not given the a chance to direct the information whether I wanted the information about a transaction to be reported or not as referenced in the the Gramm Leach Bliley Act. 
15 USC 1681a ( 2 ) ( B ) 15 USC 1681 ( q ) ( 3 ) Identity theft definition similar to REG V 12 CFR 1022.3 fraud is committed or attempted using the identifying information of another person without authority. 
Why is this information being reported and why if the account is closed has an updated been added since the closure of this account? No authorization has been given to XXXX XXXX nor any of the Credit Reporting Agencies to share, obtain, give out my personal information. 
All accounts are to be removed immediately. 
Violations carry a fine of {$1000.00} per violation
Complaint sub-issue: Funds not received from closed account

My company informed me via email they are ending their contract with XXXX XXXX. The email said as of XX/XX/XXXX they are ending their relationship/contract they advised us we can reach out to XXXX for our funds after that date. Reached out to XXXX multiple days and was told they was not aware of the ending of the contract for me to reach out to my employer. I reached out several times to HR who told me they will find out more information. I was Laid-off XX/XX/XXXX. XXXX still has not released my funds today is XX/XX/XXXX.