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

Good afternoon my name is XXXX XXXX On XX/XX/2021, I sent a letter regarding inaccurate and unknown information on my credit report. It has been over 45 days and I have not received a response to my disputes and I feel as though Im being ignored, and my issues are being promptly resolved. Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report and it has been over 60 days so they should be deleted promptly. I demand these accounts be removed or I will be forced to seek litigation. My information was also impacted by the Equifax breach and the target breach and may have gotten into the hands of the wrong people. Inaccuracies on my credit report have cost me thousands this year and can not be ignored in this manner.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX XXXX  inquired XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 CREDCO XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020
Complaint sub-issue: Information belongs to someone else

print iconPrint Your Report Potentially Negative show tooltip button XXXX XXXX   XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute ftc violation sent to everybody
Complaint sub-issue: Account status incorrect

This will be the fourth dispute I am a filing with equifax to demand them to correct the status they are reporting on my credit profile. They keep reporting the status of a paid and close student loan as open and paid as agreed. 
I have disputed this inaccurate information with them several times, I even provided them proof of the accounts being paid off in full and they still dont fixed it! It is jeopardizing me badly everytime I want to apply for credit I keep getting denied due to the information is being reported in my credit profile I am devastated. 
I paid off in full the student loans I had with XXXX back on XX/XX/2020. I sent them the paid off statement the lender provided me to proof they were paid of in full. I was told that it would take 30 days for the credit profile to be updated it and for all of the accounts to show the status of paid in full, account closed. By XX/XX/XXXX my credit report was updated and they still did not fixed! I dispute it again in XXXX they told me it would be fixed in 30 days and still has not been fixed and update it ; although I sent them prove of paid off balance every single time. I even contacted the lender and they told me that they requested equifax to update the status. Today XX/XX/2020 still has not been fixed and I found my self filing a dispute for the forth time demanding them to fix it!
Complaint sub-issue: Card was charged for something you did not purchase with the card

I am a victim of identity fraud. My Discover, XXXX XXXX and tax returns have been hacked. I have a pin # to use for the IRS
Complaint sub-issue: Was not notified of investigation status or results

Credit Bureaus " EQUIFAX '' and " XXXX '' have reported on my Credit File of Three ( 3 ) " Bankruptcy '' whereas it should be only one ( 1 ). I have tried to explain in details and with supporting documentation via numerous Certified Mail and / or lengthy phone calls! To date, no response from the Credit Bureaus. <P/>The extra two alleged Bankruptcy were petitions to the Court to grant permission to sell my two properties in XX/XX/XXXX and again in XX/XX/XXXX ; not as filing bankruptcy once again. I request at a minimum the Credit Bureaus to delete the items listed below due to being reporting inaccurate information : EQUIFAX ( as per Credit Report ) : a ) Filing Reference Number : XXXX dated XX/XX/XXXX (?? ) b ) Filing Reference Number : XXXX dated XX/XX/XXXX (?? ) c ) Filing Reference Number :  XXXX dated XX/XX/XXXX (?? ) XXXX ( as per Credit Report ) : a ) Filing Reference Number : XXXX dated XX/XX/XXXX b ) Filing Reference Number : XXXX dated XX/XX/XXXX c ) Filing Reference Number : XXXX dated XX/XX/XXXX
Complaint sub-issue: Debt is not yours

I have started receiving calls regarding a credit card equipment that I had from XXXX XXXX XXXX   card while I was using their service. After I stopped using their service they advised me that equipment was not needed back as it was outdated. After about a year I got a call from capstone collection agency  from XXXX asking for {$360.00} for the equipment. I explained them what I wrote above and also told them that I still have the equipment and is no use for me so I can still return it. Obviously that would not do good to their pockets so they kept harassing me and threating me that they would spoil my credit and I would retreat not paying them. Today I received the call again and guy on phone threaten me again and told me watch what I will do to your credit, I told me clearly Im more than happy to return the equipment which is what they dont want because they are simply after money. I have checked out capstones reviews as well and they have done this to many of people. Someone with the authority should take some action against them. This isnt right for the sake of greed they threat and abuse people.
Complaint sub-issue: Information belongs to someone else

this account is not mines it 's belong to some one else please removed it from my credit report XXXX Account Number XXXX Account Type Credit Card Terms Revolving
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I ordered an item off Costco.com with my Costco Citi ( surprisingly known as the best card, my foot ) on XX/XX/XXXX. Costco apparently ran out of the item before shipping the product, so they never shipped it and cancelled it XX/XX/XXXX ( after I called to confirm delivery date, they didnt have the courtesy to call or email me about cancellation. 

The payment was showing pending even a few days after so I filed a dispute on the pending charge, hopefully for it to escalate. I called Costco and they said the bank is holding the money. Called Citi bank and theyre saying Costco is holding. Theyre saying that its gon na take 30 days for it to come off or the transaction has to go through on the account. How will the payment go through if the order is cancelled and the vendor doesnt have the merchandise? I tried to see if there is any way to escalate by showing them ( citi bank ) proof of cancellation and they said no. 

Ive been on the phone for the last 2 hours back and forth. Now theyre holding XXXX dollars on my card which only has a XXXX credit limit. I cant afford to buy any XXXX presents. Now I have to wait 30 days for this. This is ridiculous.
Complaint sub-issue: Information belongs to someone else

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXXXXXX XXXX XXXX account XXXX XXXX {$26000.00}. XXXX XXXX XXXX account # XXXX has violated my rights. By adding collecting accounts of fraudulent accounts thats been removed from my credit report at the making police reports with this company. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate Chapters. 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 15 U.S.C 16663 A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/2022 to remove : 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 XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$7800.00} ; XXXX XXXXXXXX Balance : {$6000.00} ; XXXX XXXX XXXX XXXX Balance : {$360.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX XXXX XXXX {$170.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, which are 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 these items or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX & I am including it again.
Complaint sub-issue: Application denied

When Ever I apply for a credit card threw credit karma that they say I can definitely get approved for it always deny me after application is done
Complaint sub-issue: Debt is not yours

Item was disputed on Credit Report since XX/XX/2019. The item is not my account. I do have an account with this credit and I haven't open an account with this credit. 

I have asked the credit bureaus to investigate the item and company and the credit bureau will not provide written documentation or proof of a contract to me to proved that I have an account or open an account or have association with one of the company 's associated businesses. 

I have contacted the company, personally, and they will not send the documentation and they will not removed the item from my XXXX and XXXX Credit Bureau Reports.
Complaint sub-issue: Deposits and withdrawals

I opened a Citi checking and savings account XX/XX/22 with a {$30000.00} transfer from my checking account with another bank. On XX/XX/22 2 days after I was making a {$5000.00} transfer from my Citi savings account to my brokerage account, I received a notice that my transfer to my brokerage account did not go through. Upon further investigation, I found through the Citi app that both my checking and savings accounts had been blocked from my access. I have not as of this day XX/XX/22 received any formal text, call, or e-mail, or mailed statement telling me that my account has been blocked. 

The first time I was able to contact a representative, he stated that my account had been flagged for fraudulent activity and that my account was now blocked and any funds would be returned to me by check in 30-60 business days. I requested further information and was told that there was a fraudulent alert issued by the other bank account that I had originally transferred funds to the savings account from. 

Upon investigation with my other bank, they stated that this was a false statement as they do not flag fund transfers between bank accounts and that there was no record of flags ever having been on my account. 

This led to my second attempt to contact Citi which led me to a second representative who again stated the same scripted statement that my account was blocked, would be closed, and that I would receive a check in 30-60 business days. I pushed for any kind of background information after voluntarily offering to confirm my address as well as the last 4 digits of my SSN. At this point she simply wished me a good day and hung up the line. Note that each phone call takes approximately 10 robotic messages to reach a human representative. 

The funds that i've deposited in my Citi accounts make up roughly 90 % of my liquid funds as well as my full emergency fund that i'm able to pay my bills with, buy groceries, etc. Any kind of interruption in my regular income will most likely affect any financial stability that I currently have.
Complaint sub-issue: Account information incorrect

I have a Chapter XXXX Bankruptcy docket # XXXX / XXXX that is 9 years old but is still reporting on my credit. It is discharged and has been on my credit for a very long time and needs to be removed.
Complaint sub-issue: Trouble with how payments are being handled

I have student loans being managed by Fedloan Servicing and I am disputing the payments eligible for public service loan forgiveness. Over the years I have attempted to get satisfying explanations about why payments were considered ineligible snd have not received adequate explanation. Fedloan servicing has always been my lender for the student loans in question. ( I have another student loan managed by XXXX, but I am not disputing those right now ). These loans have never been consolidated. I have always ( without interruption ) worked for a qualifying nonprofit or government employer. I have routinely updated my qualifying employment by submitting the public service loan forgiveness forms which have been accepted. I would like to dispute my ineligible payments but have not been supported in doing so by Fedloan servicing. I am looking for help challenging these ineligible payments that I have made in good faith toward public service loan forgiveness.
Complaint sub-issue: Received bad information about my loan

My loan is held by FedLoan Servicing, a company that constantly sends incorrect Income-Driven Repayment forms, fails to process forms in a timely manner, and costs me hundreds of dollars in interest for their constant mistakes. The present situation started in XXXX ( 2016 ). I needed to re-certify my IDR status. I called and requested a paper application be sent to me. FedLoan Servicing sent me a form it knew had been revised by the Department of Education, and also knew that the form would not be allowed by the Dept. of Ed at the end of XXXX. Also knowing they had a several-week backlog for processing paperwork, they sent it to me anyway. 
The form was denied ( obviously ). However, instead of a denial letter, I received a bill ( attached as documentation ) dated in XXXX, meaning I was denied denied in XXXX, prior to the deadline by the Dept. of Ed. I called on XXXX XXXX ( 2016 ) and spoke with a supervisor named XXXX. He e-mailed me the corrected form and said I would also be reimbursed for the postage because I was forced to pay for Overnight delivery by the Post Office. He said that FedLoan had finished processing the backlog of paperwork, and that my recertification forms should be processed within a week to ten days. Today is XXXX/XXXX/16 and no one seems to know what is going on at FedLoan Servicing. The only application they show processed was the XXXX they denied in XXXX. 
Please help me. I can not get a straight or accurate answer from FedLoan -- whether it 's from their Customer Service Reps or their management staff. No one seems to know what 's going on. And I am not sure if they 'll even follow through on my request today ( XX/XX/2016 ) to have my account and case reviewed by a Loan Specialist. ( Then again, I ca n't even get a clear answer as to what that is. ) As of today 's date, supervisors at FedLoan Servicing are still not taking this issue seriously enough to do more than an ( eventual ) response through the mail. I had to browbeat at supervisor ( after explaining again that their mistakes could cost my Social Security XXXX and cause me to become homeless -- as I did in XXXX ) to call me back with a resolution.
Complaint sub-issue: Old information reappears or never goes away

Account name : XXXX XXXX XXXX Collection Account : XXXX 15 USC 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 account without my instructions Equifax deleted this account and re added it but with no proof or didnt mention anything in the first 5 days. This is wrong this isnt mine.
Complaint sub-issue: Can't get flexible payment options

I had a Genesis loans from XXXX Colleges and would like to know if they were included in the CFPB settlement. Genesis lending has now sold my loan to XXXX.
Complaint sub-issue: Reporting company used your report improperly

A

ccordance with the Fair Credit Reporting Act XXXX  Account : 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 instructions. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXXXXXX Balance : - ; 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 Inquired on XX/XX/2022 ; XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX on XX/XX/2022 ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022
Complaint sub-issue: Investigation took more than 30 days

i filed a cfpb complaint against Equifax on XX/XX/2022 the complaint number is XXXX it has been well over the amount of days allowed by law.
Complaint sub-issue: Trouble with how payments are being handled

On XX/XX/XXXX, I received my first notice from XXXX XXXX XXXX to recertify my income for an IBR payment, and it stated that I had until XX/XX/XXXX to recertify or my payment would change to a Standard payment amount of {$2000.00} on XX/XX/XXXX. I recertified on XX/XX/XXXX, and I was approved on XX/XX/XXXX for a payment amount of {$290.00} monthly to start on XX/XX/XXXX. In the process, my next bill for a payment due on XX/XX/XXXX stated that I owed {$2000.00}, significantly higher than the amount I had been paying. 

I contacted XXXX XXXX XXXX on XX/XX/XXXX, and after explaining the situation to an agent, I was advised that they did see the error and would correct it within three days so I could make my XXXX payment and still be eligible for PSLF with that payment as it should not have gone up. By XX/XX/XXXX, it still had not changed, so I called again, and I was informed that it could take 7-10 days, however it should be fixed by XX/XX/XXXX as that would be when I needed to make my payment. On XX/XX/XXXX, it still had not changed, and I called back. I was initially advised that I submitted my recertification late, thus the reason for the change, however I referred the agent to the letter sent on XX/XX/XXXX, and she advised me that I could not make my XXXX payment at this time as she was putting an Administrative Override on that payment since the amount was incorrect in the system. She advised me, however, that it would show up as past due for 30 to 60 days as it would take that long to fix. I am very concerned about this as this may then impact my credit report and show that I am not paying my lender on time given the long time it takes to process, especially when this error was not my fault. I have always recertified on time and made payments on time, so this is very troubling. I am also concerned that I continue to receive different information, and I no longer trust that this may be handled properly. 

Also, for reference, I was with XXXX up until XX/XX/XXXX, and they originally approved a 12 month IBR for XX/XX/XXXX to XX/XX/XXXX. When I recertified with XXXX XXXX XXXX in XX/XX/XXXX, they started my new payment amount immediately ( as of XX/XX/XXXX ), though it should have started on XX/XX/XXXX. It appears that the error started there, and as such, I am now being penalized.
Complaint sub-issue: Account information incorrect

I recieve quarterly credit updates for all three bureaus through a credit monitoring service. To date, the negative information placed by XXXX has been recently removed/aged off on both my XXXX   and XXXX reports. Upon noticing that Equifax was still reporting it and affecting my credit score, I went on their website to dispute the account still appearing. While reviewing what was listed, I noticed many discrepancies. First, Equifax was showing a " monthly payment '' for months when the account was already in a " chargeoff '' status. More importantly, they are reflecting a 1st delinquency date of XX/XX/XXXX which is inaccurate. That is when it was placed as a charge off, but the 1st delinquency date was after the last payment was made in XX/XX/XXXX. My credit monitoring report from XXXX shows the 1st delinquency as XX/XX/XXXX which is 60 days after the last payment was made. When I called them today, the representative stated they will reach out to XXXX and I need to wait 30 days. She told me I will have to wait until XX/XX/XXXX. This is not an XXXX issue, but an Equifax issue. They are reporting false information and are refusing to follow the law and remove the account.
Complaint sub-issue: Account information incorrect

I am filing this compIaint because I have mailed letters to all 3 credit bureaus ( Equifax, XXXX and XXXX ) dated XX/XX/2021. The letter requested deletion of an incorrect name and correction of inconsistent payment dates and inconsistent last active dates ', As of today 's date,XXXX, I have not received a response regarding this request.
Complaint sub-issue: Their investigation did not fix an error on your report

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX  XXXX XXXX XXXXXXXXXXXXXX XXXX XXXXXXXXXX