Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status

There are several account that I have been trying to get removed because they are paid off account and then resubmitted to my credit. XXXX XXXX XXXX XXXX was paid off and still the all XXXX Credit Company want show it paid in full. Also XXXX XXXX has reported on my reports after all their equipment has been returned and there is no unpaid balance on this account. XXXX XXXX is another account that was paid off back in 2009 in full and they had some fraudulent activities with in there company and they have added to my report again after it has been paid off. In fact they have the same account on my reports twice and I ca n't get the credit companies to correct them. This has been a ongoing issue for me and I am just trying to get someone to resolve these issues for me because it does n't seem as though the credit companies care or want to do the right thing. I have reported this to the Alabama XXXX XXXX and they still want send me proof of these debts nor will they remove them. I was informed by a mortgage company that there seem to be some inaccuracy and that I needed to contact the consumer finance department to get some resolute. I hope and pray that you can get me the answer I need to correct these error that are ruining my credit. Thank for you help and hopefully these issues can be resolved soon. Unfortunately these account are very old account and I do n't have the necessary paperwork to send but I have asked several time for these companies to validate these debts and they want.
Complaint sub-issue: Reporting company used your report improperly

My right to privacy has been violated. I wrote them telling them to delete this information as they do not my my permission to publish this information about me and they said they did not need my permission. I have asked verification that i gave permission to report the alleged debt and no company has done so. 

5 USC 552 ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 5 ) to a recipient who has provided the agency with advance adequate written assurance that the record will be used solely as a statistical research or reporting record, and the record is to be transferred in a form that is not individually identifiable. 

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Complaint sub-issue: Trouble with how payments are being handled

On XX/XX/XXXX I called Discover Student loans to investigate a payment assistance plan. I end the phone call with my payment being reduced to by 50 % reducing my payments from XXXX to XXXX. On XX/XX/XXXX, I went to purchase gas and my card was declined. I used the app on my phone and found that in addition to taking the XXXX from my account Discover Student Loans also took XXXX from my account for a total amount of XXXX being taken from my account. I explicitly asked them woman on the original call to remove the original auto payment amount from my account and she confirmed it would be removed. This was not the case. 
Ive been going back and for with Discover Student Loans going on eight months receiving first apologizes and promises that a refund would be issued and the loan repayment assistance plan retro actively added to my account, then receiving promises via the electrotonic messaging inter face that my case was being looked over by numerous supervisors. Now and I all I get from them is phone calls and emails saying that my account is seriously in default. I have never stopped making monthly payments of {$230.00} what I was told over the phone my reduced payments would be. Im worried my credit score will take forever to recover for something that numerous people have admitted to me over the phone is definitely not my fault. Please help.
Complaint sub-issue: Investigation took more than 30 days

I am writing due to non-compliance with Equifax, XXXX and XXXX. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. It has been more than 45 days without a response and I am requesting that the fraudulent items be removed from my reports. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.
Complaint sub-issue: Their investigation did not fix an error on your report

I have an account with XXXX XXXX  XXXX with this company and previously I disputed the item and it cam out my credit report but after 2 month same report appeared in my credit file again. Base in the law if the company does not respond after 30 day it should be clear from my credit reporting but same report appears again after a while again. Also a credit report from XXXX XXXX which is a fraud in my credit report. This account is not mine and has not been removed even when I contacted XXXX XXXX exists
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

To whom it may concern - I had financial difficulties in XXXX and XXXX and had a credit card with XXXX Credit Card. I had never been late on this credit card and over the XXXX years of having the account. 

I had never had a late pay or XXXX late pay on my credit. During the months of XXXX and XXXX my family had XXXX  and lost a family member and we had burial expenses. 

I contacted XXXX and informed them that I would be paying off my balance of XXXX  in which I did and in agreement that they would remove any XXXX late for XXXX and XXXX. Once I paid the XXXX giving my account is XXXX balance XXXX fraudulently closed my account and lied to me and put a XXXX late for XXXX and a XXXX late for XXXX showing me XXXX days late on this credit card account. 

I contacted them numerous times trying to request them to their agreement of good faith that they would remove these late fees from my credit report even if the account stayed closed. I was not concerned about the account being closed my concerns were they lied to me after me paying them {XXXX} and paying the account off in full. 

XXXX lied to me as a consumer and I feel that they should be XXXX  and show how they treat their customers that have been good paying customers always paying their accounts on time and then treating them negatively bye not doing as they said by removing the XXXX to XXXX day late for XXXX and XXXX. They did not hold up to their end of the bargain and closed my account. I feel scammed as a consumer and I have read numerous reports online about this company doing the same to them.
Complaint sub-issue: Information belongs to someone else

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS I HAVE MADE A CRIMINAL COMPLAINT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XX/XX/XXXXand XX/XX/XXXX CRA. On XX/XX/2020, I mailed Equifax, XX/XX/XXXXand XX/XX/XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Account status incorrect

My XXXX XXXX Visa payment history shows I was past due in XX/XX/2018. This is incorrect and have disputed successfully this issue with XXXX XXXX via CFPB ( see attached complaints letters ) who now alleges they submitted the request to you to update my credit report however this update has not been made. The XXXX  and XXXX reports have been updated to show no missed payments and a balance of XXXX. I have previously disputed this with Equifax however the dispute was not solved in my favor. Basically XXXX XXXX blames Equifax and Equifax blames XXXX XXXX. Meanwhile all creditors think I am delinquent because i did not pay XXXX $ which i did not owe for the month of XX/XX/XXXX. Please update my payment history to show my account closed in XX/XX/XXXX and delete the delinquency for the month of XXXX XXXX.Please do not close this complaint without remediating the information on my report and do not defer me to XXXX ( see attached complaint response letters from XXXX ).
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted XXXX XXXX, Equifax, and XXXX credit reporting agencies regarding inaccurate information on my report. After trying to correct this inaccurate information these companies refuse to remove the information once they were told they were in violation of law. 15 usc 1681 ( a ) definitions ; rules of construction ( 2 ) ( a ) clearly states report containing information soley as to transactions or experiences between the consumer and the person making the report is excluded. According to the Fair Credit Reporting Act ( CFRA ) violation and penalties ; I can be compensated for these agencies my willfully violating my rights. These companies have caused harm. The inaccurate information lowered my credit score by not allowing me to have a fair representation and accurate information when applying for loans.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

My Home Depot Credit Card number got stolen when i called a home depot costumer service number ( XXXX ) and i was ask for my card number during the call for status on a shipment on a appliance order i had made on XX/XX/XXXX. I reported the card number stolen as soon that i received an text alert 2 day later to my cell phone saying that a charge of {$1200.00} was charge to my card from a XXXX store when i live in XXXX XXXX. I immediately call them and they said that they will close my account, credit or refund the charge back to my account and replace my card. They replace the card but the charge still shows in my account. 5 days later a call their Fraud department and they told me that the investigation has not been file ; so once again i had to tell them what happened ( again ). they told me that i will have to wait. 

All I want is for the fraudulent charge of {$1200.00} that i didn't authorize or made to be credit it back to my account. I don't have to wait for their mistakes or security problems. 

Its pretty obvious that they have some security issues and internal problems when it comes to consumer information security. 

I just want for this to be resolve. 

Thank you, XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I want to delete the account XXXX  XXXX XXXX, I tried to taken action against them and was not successful in anyway please help me delete this account from my Consumer report. 
I did not open this account. 

Name : XXXX  XXXX XXXX XXXX open : XX/XX/XXXX Amount ; {$410.00} Name : XXXX  Date Open : XX/XX/XXXX Amount : {$190.00} THESE ARE NOT MY ACCOUNTS
Complaint sub-issue: Problem with direct deposit

Us direct Express card My us direct Express card been lock out over 10 days I Been calling daily Monday thru Friday even sat website said there open 7 days a week 24 hrs a day XXXX daily no answering there phones daily can not talk to customers services about this long loud music daily no response period I went to XXXX XXXX  to withdrawal funds my receipt said no funds available been checking online been lock out no customers services at all I can't even get my meds I need daily because of my health issues this is fair deal for anybody on social security or any benefits thru them having our money card lock up not fair either it's our XXXX money card shouldn't never been lock out I'm on XXXX monthly Please help me and let 's get my usdirect exspress card working asap
Complaint sub-issue: Information belongs to someone else

After being denied for a credit card, I accessed a copy of my credit report, and found accounts reporting on my credit report in my name that I did not open or authorize ( XXXX  XXXX {$460.00}, IN FRAUDULENT CHARGES, XXXX XXXX XXXX  {$1900.00} IN FRAUDULENT CHARGES ). After contacting local authorities I was told that Due to the covid-19 I was not able to physically go to my local police station to file a report, but was told to file a police report online, and I would receive a police report number., And was also told to make an identity theft report with the FTC and send the documents to the 3 major credit bureaus and to each creditor. Equifax has not investigated nor responded to any of these fraudulent claims. I have included a copy of my FTC report, to support my claims of identity theft, I XXXX XXXX XXXX the XXXX, also have included a photo copy of my Michigan state identification, and social security card so Equifax can successfully identify me and not close this claim because of identity reasons. This complain was sent and is authorized by me XXXX XXXX XXXX the XXXX
Complaint sub-issue: You never received your bill or did not know a payment was due

We have several cards with CITI. Recently, we have been getting notices that our payments are late, also they have reduced our limit on 1 card. I have all our bills on my XXXX  calender, which I use every month. I tried to reach out to CITI, but you can't reach anyone via phone call. Today, I tried to reach them via chat. They have an automated gate keeper system that won't let you pass unless you spend 15 minutes using it trying to get it to understand it can't help you! When I entered the " magic '' phrase, it then said it would connect me to an agent. After 2 minutes, it disconnected me. I need help to get this back on track since they have now caused our credit score to drop and won't have an ACTUAL human talk to us.
Complaint sub-issue: Problem using a debit or ATM card

I opened my onine checking and savings account with Citi Bank on XX/XX/XXXX. 14 days later on XXXX ( XX/XX/XXXX ) my card stopped working. I called Citi and was transferred to the Fraud department. Turns out a {$50.00} XXXX charge caused my card to be frozen for suspected fraud. They asked me to verify my identity through my mobile number only to tell me that since my number isn't tied to my credit profile I couldn't verify myself that way. I ended up using my grandmothers phone # to verify myself because I co-signed a loan for her at the end of XXXX. Although that number is not registered to me, I was able to use it to " verify '' my identity. On XXXX, I was forced to drive over an hour away to get access to her phone to complete this process. After 5 calls into the Fraud Dept, I was able to finally get my debit card reactivated. This was strike 1. 4 days later on XX/XX/XXXX, I went to USPS to get a {$1200.00} money order to pay my rent. The transaction went through fine. Later in that same day, I was trying to get my son breakfast and my card declined again. Well this time Citi took it a step further by completely blocking my checking and savings account. I have XXXX access to these accounts. Leaving me with literally NO MONEY for basic human necessities such as food, gas, bills, etc. I have called over 15 times from XX/XX/XXXX - XX/XX/XXXX and I am being told that because they can't verify my identify via phone that I must wait to receive a letter via USPS that verifies my identify. The crazy part about all of this, is that I just used my grandmothers number to verify myself on XX/XX/XXXX but now that number is no longer eligible for identify verification. This has been the worst experience I've had with a bank in my 30 years of living. I've escalated to multiple POCs @ Citi Bank with no resolution. This has to be illegal or at the very least unethical. With Citi being my only bank where all my money is stored, they have literally tied my hands. Now, I'm waiting 7-10 business days to receive a letter via USPS with an authorization code that validates who I am. I have offered to DRIVE from TN to MO to visit a branch to show my passport, SS card, DL, etc. and was told that the ONLY course of action is to wait for the letter via USPS. This is insane and this " verification '' process is a true disservice to all customers.
Complaint sub-issue: Other problem

I requested a credit balance check in the month of XXXX. I called US Bank and asked when the check would arrive. I was told, instead, that the bank pushed the payments back to the third-party bill payer, CheckFreeBillPay. I shared my frustration with this action as I would have never requested this option. 
I called XXXX and they only refunded me four payments totaling, less than {$10000.00}. They gave the reference numbers and I received the return. However, the total return from US Bank was supposed to be {$10000.00}. I called US Bank and my phone call was elevated to a supervisor who created a inquiry about the missing ~ {$700.00} returned payment. A week later I received a letter from the Payment Research Department stating that the refund was completed given a trace number ( XXXX ). I called XXXX and they had no record of such a trace number. I provided them the US Bank altitude card number and saw the refund for the 4 payments that I already received. They clearly stated that there was no other refunded money. They checked the trace number 3 times. 
I called US Bank again, and again elevated to a supervisor who apologized and elevated the issue. A week later I received another letter from the Payment Research Department, stating the exact same words as the previous letter. XXXX from Payment Research Department said they it was received XXXX to XXXX with the same trace number. Again, XXXX has no idea what this number refers to and I am still waiting on my full refund for over a month. 
I am very angry at the customer service I have received. Its one thing to receive same exact letter a second time, insinuating that it must be my fault or that US Bank is not at fault at all, its another to place the burden on me to find the money you returned in the way I did not ask. 
I have found calling a third time to be a waste and rather a letter stating what has happened and my request for US Bank to call XXXX and then call me at XXXX or my husband at XXXX to tell us where the money is at. I do not want another letter. A person should be calling me. I have been patient about this issue but the treatment I have received is one of the worst I have received. 
I hope this issue is resolved. If not, I will elevate to the consumer financial protection board and pursue other legal remedies.
Complaint sub-issue: Account information incorrect

On XXXX XXXX, XXXX I went to XXXX XXXX XXXX XXXX share branch which is XXXX XXXX on XXXX XXXX XXXX. in XXXX XXXX, XXXX and made my loan pymt. The amount I paid was {$350.00} I forgot to add the {$.00} to my check. On XXXX XXXX, XXXX I received an email stating I was 30 day 's past due for {$.00}. XXXX  XXXX called me for 5 day 's about {$.00}.
Complaint sub-issue: Investigation took more than 30 days

I sent a letter to XXXX, Equifax, and XXXX  on dates XX/XX/XXXX and another following letter XX/XX/XXXX. All negative activity removed from all three credit bureaus. Equifax, XXXX, and XXXX  are not complying with their own policies in a timely manner. Also address and name should be updated only to XXXX XXXX XXXX ( always confirming middle intial ) XXXX XXXX XXXX. XXXX, NJ XXXX
Complaint sub-issue: Information is not mine

To whom it may concern, I submitted a request for deletion of multiple inquiries online on XX/XX/2017 to dispute information, in regards to XXXX hard inquiries, incorrect addresses and collections that were being reported on my credit report. They would not begin the request until I submitted a copy of my DL and SS cards. I faxed the information on XX/XX/2017. They completed the request on XX/XX/2017. The request that I submitted included XXXX Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 2 days after the receipt of my personal documents needed to begin the investigation, one can assume that there was no investigation into the matter. I plan to purchase a vehicle this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. 
Thank you!
Complaint sub-issue: Reporting company used your report improperly

Company accessing my credit report without my consent and also charging fees for using their ATM Machine
Complaint sub-issue: Information belongs to someone else

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX XXXX XXXX as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX