Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Funds not received from closed account

XX/XX/XXXX city bank placed a block on my account, XX/XX/XXXX they sent a letter saying they were closing my account within 30-60 days. It has been over that time Im currently waiting on it to be closed because I had just received my income tax in the account a week prior to it being locked & all of a sudden they wanted to close. Ive called numerous of times each day its a different thing with the representative, I spoke with one two weeks ago XX/XX/XXXX she said that they are closing the account & I would receive my check within 10 days. It has been over 10 days & today when I called back she says to wait 15 days. This happens every time I call they say different things!! These people are a rip off & they are stealing!!!
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX who is submitting this CFPB complaint myself. These accounts are reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account. 

( XXXX XXXX XXXX, XXXX  XXXX )
Complaint sub-issue: Their investigation did not fix an error on your report

I have submitted dispute regarding the claim of collections to the creditors. I provided proof of payment and a moving damages report to IQ DATA INTERNATIONAL back in XXXX of 2022 or XXXX of 2022. They never told me my dispute resolution. The investigation took well over 30 days. The
Complaint sub-issue: Don't agree with the fees charged

American Education Services currently services my XXXX  FEDERAL loans which currently qualify for the 0 % interest rate set by Congress. They are still charging all of their customers interest and are not automatically putting loans into forbearance. I also have loans serviced through FedLoan which shares the same contact number as AES. Why is AES getting away with this?! They're telling customers that our loans don't qualify ( they absolutely do and absolutely are not private loans ) or that they'll reimburse us all the interest after XXXX. Please put a stop to this!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Bankruptcy Court docket # XXXX case # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Debt is not yours

After XXXX XXXX could not verify this account on my credit report with VALID and SIGNATED documentations like SIGNED CONTRACTS OR AGREEEMENTS BETWEEN ME AND THEM and could not provide my person with the reciept that show for much they bough this account from XXXX XXXX  with all my personal and federal information, XXXX went ahead and delete this XXXX XXXX account from my credit report. SEE ATTACHMENT. XXXX was just trying to collect a sum of money I never own them.. I REQUEST XXXX AND EQUIFAX TO DELETE THIS ACCOUNT IMEDIATELY FROM MY CREDIT REPORT.
Complaint sub-issue: Old information reappears or never goes away

Credco, XXXX XXXX, and others checking my credit. Theses are hard hits. I did not authorize theses checks. I want them removed if its not a bank its fraud.
Complaint sub-issue: Deposits and withdrawals

Someone accessed my account, moved money from saving to checking, then submitted XXXX telechecks against my account to XXXX totaling {$5000.00}. They also tried to open a car load, and additional accounts at XXXX and XXXX online banking institutions. All transactions and accounts have been stopped, closed, or disputed. No money actually was stolen, but now have 30 letters from a Collection Agency ( TRS Recovery Services XXXX Inc ). They are trying to collect the money from the me for the disputed charges to XXXX from me. The letters were received only XXXX weeks from the attempted transactions to my account. My credit was frozen as soon as I learned of the attempt on my account.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has not adequately investigated inaccurate information on my credit report. XXXX XXXX and XXXX XXXX XXXX have both reported inaccurate information that has been disputed by Mr. XXXX and his attorney, XXXX XXXX. 

The XXXX dispute has risen from XXXX 's illegal inflation of Mr. XXXX 's bill. Mr. XXXX has no contractual obligation to XXXX. Mr. XXXX has repeatedly notified Equifax that XXXX 's reporting is inaccurate. In their invesigation, XXXX presents their allegations in the form a XXXX generated bill. XXXX has yet to present a contract or any obligaition in writing or with Mr. XXXX 's signature. Equifax has failed to execute due diligence and appropriate investigation into this matter. 

Additionally, Equifax continues to report a paid item from XXXX XXXX XXXX XXXX XXXX XXXX that has both an inaccurate date of first delinquency and status. Mr. XXXX has notified both XXXX and Equifax of the inaccuracy but Equifax continues to report. 

These actions have slandered Mr. XXXX 's good name by causing his credit rating to decrease. Even after notifications, Equifax continues to report these inaccuracies. 

Mr. XXXX demands that Equifax remove the inaccurate items and immediately pay the full sum of {$30000.00} restitution for slandering his good name, failure to accurately investigate credit items, and other damages.
Complaint sub-issue: Information belongs to someone else

During a security clearance check a fraud account was discovered reported by XXXX against me. The account was created fraudulently and is not my account. I have called over and over from the XXXX XXXX where I work, but I always get a fast busy when I call. 

I have tried to call over 2 dozen times. 

I am in jeopardy of losing my XXXX  clearance and XXXX  over their false reporting.
Complaint sub-issue: Problem accessing account

On XX/XX/21 customer support told me they would send me a bank statement for XX/XX/21 transactions. Today I called customer support to verify info sent was sent. Because of pending investigation from a detective from the XXXX that needed specific detailed info of the transactions he told me he would have to resend info due to info sent did not include specific info. Because IC3 is involved with this pending XX/XX/XXXXcase. I informed FBI today of such conduct. They have said since CFPB refused to do the case thru customer support to file a dispute with them. Direct Express is the subject of matter.
Complaint sub-issue: Account information incorrect

Specifically, I have requested twice now that Equifax delete and remove the comments on all of my student loan accounts. There are about 12 accounts that currently read, account dispute resolved, consumer disagrees, or consumer disputes after resolution. None of these statements, nor any statements of the like are true and correct. I never agreed nor have I ever expressed any of these statements to any bureau about these accounts. I have requested on multiple occasions that these statements and any alike statements be removed from my accounts reported on my credit file with your bureau and as of the date of this letter it has not been corrected nor removed. I also attempted to dispute these accounts via phone and was given a dispute file number, ( XXXX ) which still failed to delete the comments. This is unacceptable and needs to be correct immediately or I will sue their XXXX in my local court and collect {$1000.00} for every account that you have refused to correct. 
Additionally, I am having the same issue with my discover card account number XXXX currently says that it is an open account with a balance of {$1000.00}. This is also incorrect and has not been updated since XX/XX/2021. Not to mention this account is a duplicate account. They are reporting this same account twice, refuse to update the balance and refuse to correct it in my dispute.
Complaint sub-issue: Personal information incorrect

At the beginning of XXXX, my husband and I received two post cards from Equifax informing us to call XXXX or visit www.equifax.com/fcra and select the option for FREE State Credit File to obtain our Colorado credit file at no charge when a consumer reporting agency has received 8 credit inquiries pertaining to the consumer which also adds negative information to a consumer 's file. 

On Friday, XX/XX/XXXX, I called Equifax at XXXX and spoke with XXXX to get a copy of our state credit files, put a fraud alert on our accounts, and update my email address which had been compromised. XXXX stated he was able to help with all concerns and sold me on Equifax 's credit monitoring service for $ XXXXmonth. I updated my email address and confirmed receipt to new email, provided payment information to get the transaction completed for monitoring service, requested credit file, and confirmed there were no other account ( s ) /profile ( s ) using my information with XXXX . After handling my account, XXXX stated he was unable to process any requests/updates for my husband since my husband wasn't able to get on the phone at the time. 

A couple of months later, I noticed Equifax notifications and alerts were still going to my old, compromised email address/account that I updated with XXXX on XX/XX/XXXX. 

On Monday, XX/XX/XXXX, I called Equifax at XXXX and first spoke with XXXX . He immediately needed to verify if I was XXXX XXXX XXXX ; I replied asking when and where he/Equifax got that information since this was the first time anyone has ever inferred or asked me that. XXXX said it was reported by one of my creditors or lenders but was unable to help further ; he would transfer me to someone that could. Shortly after, XXXX came on the line ; much like XXXX, XXXX was unable to tell which creditor/lender reported that information but was able to say the birth year reported was XXXX with my correct birth month and day. XXXX also had to transfer my call further to the XXXXlobal Consumer Care Department but would inform the next agent of the issue. 

XXXX answered the call after I waited on hold for a while and immediately asked for my SSN # ; confused that the call was supposed to be warm transferred from previous agent XXXX, I questioned why XXXX needed the information. XXXX said it was a cold transferred call then asked if I was going to give him the information or not. The entire call didn't feel right - I had enough for one afternoon and declined to provide more identifying information. I thanked XXXX for his time and ended the call. 

I was going to send a certified letter to Equifax ; however, if the interactions with their agents and paid subscriptions to their monitoring service were any indication of how my written correspondence would be handled on its own - the lesson gleaned from Equifax is to ask and complain at the same time to the highest consumer protection authority in the nation, on the largest consumer-financial platform.
Complaint sub-issue: Problem getting report or credit score

Several years ago, I went to purchase a car. When the finance department tried to pull my credit from Equifax , they told me that I " had no credit. '' Upon further investigation, Equifax discovered that the last number of my Social Security ( SSN ) number was off by one digit. I sent the requested information to Equifax to have my SSN corrected and thought the problem had been resolved. I went to purchase another car recently and encountered the exact same issue with Equifax. I researched and found out that although my SSN had been corrected, my birth date was incorrect. Using the information I had sent them previously, they were able to confirm and update my birthdate. At this point, all my information should be correct. The problem is that Equifax informed me that they will not add any past credit information onto my file even though I 've had credit and a score for several years based upon XXXX and XXXX XXXX credit reports. I asked to speak to a supervisor who also informed me that there was nothing they could do to add my past credit history and that I would technically " have to start over '' with Equifax ( even though it was not my error ). I attempted to obtain the name of the supervisor I spoke with ; however, they were unable to provide me with that information. I also went to see a financial counselor at my base and she was not able to retrieve my Equifax report either.
Complaint sub-issue: Was not notified of investigation status or results

I have sent letters to the credit bureausmultiple times asking to have the incorrect addresses removed from my credit report as well as a fraudulent collection account and they have not responded to any of my letters. They have not updated my credit report either. I last sent a letter XX/XX/XXXX. I need help with getting this resolved.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

To Whom it May Concern : I was charged {$52.00} on XX/XX/2020 by Macys, to my Macy 's credit card for an in store purchase. That purchase was made by an individual who has stolen my personal information and was/is using it to make multiple other purchases ( car ( s ), musical equipment, applying for an apartment, etc ). 

On XX/XX/2020 Macy 's provided a confirmation statement that they were reviewing my submitted dispute, and that their investigation could take 45-60 days to complete. This document also advised that I not pay any charges related to the disputed items purchased ( {$52.00} ). 

On XX/XX/2020 I was charged a {$27.00} late fee and on XX/XX/2020 I was charged a {$2.00} interest fee. Again, on XX/XX/2020 I was charged a late fee, this time of {$38.00}. On XX/XX/2020, I was charged an interest fee of {$2.00}. 

Presently, my Macy 's account shows that I have a balance of {$120.00}, and that will increase when I do not make an XXXX payment. On XX/XX/2020, Macy 's was officially outside of the 60 days window they had provided for completing their investigation. 

I submitted a second dispute to Macy 's and received an identical notice that they were working to resolve the issue, this time dated on XX/XX/2020. Since that time, I have called their customer service line several times, only to be told on each occasion that there were/are no agents available to provide an update on my case. I have also received multiple phone calls from Macys ' banking partners seeking collection from me for the balance, which I am not liable for. 

Because of this ( and corresponding actions made by the individual who stole my private information ), my credit rating has suffered significantly, preventing me from being an active creditor in the marketplace. I have not been able to purchase a car when necessary, and I have not been able to move forward with purchasing a home while moving jobs, cities, and states. I have been given no update on when Macy 's will be able to resolve the issue, and because of that, can not make responsible plans for the future.
Complaint sub-issue: Their investigation did not fix an error on your report

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00}
Complaint sub-issue: Information belongs to someone else

I have submitted a police report of fraud/identity theft and valid information showing that the XXXX XXXX account and several other accounts that Equifax is reporting is incorrect but they continue to drag their feet and send the same results each time. " Company verified account accurate '', is the response I gotten. I asked for an explanation/documentation but I was told several times its on the way. Guess what? I never received it. I would like these accounts removed immediately because for one it is taken over 6 months for an investigation and I haven't gotten the compliance that I should from Equifax according to the fair credit laws. They are the only bureau reporting this incorrect information at this time.
Complaint sub-issue: Their investigation did not fix an error on your report

I filed a dispute with XXXX, Equifax and XXXX in regards to XXXX XXXX XXXX collection account listed on my report. And explained that XXXX XXXX XXXX is in violation in regards to their reporting on my credit report and stated why and showed proof of said violation. However, they came back verified. I sent XXXX XXXX XXXX a letter certified mail return receipt requesting validation under the Texas Financial Code 392.202, Fair Credit Report Act and Fair Collections Act and proof is attached with return receipt dated XXXX XXXX, XXXX and XXXX XXXX XXXX failed to property follow the law and never contacted me in regards to my request it has been over two years and XXXX XXXX XXXX has yet to validate and verify the debt to me per my request as of XXXX XXXX, XXXX. After giving them ample time to respond I disputed with the credit reporting agencies and let them know of XXXX XXXX XXXX lack of response in regard to the credit line in accordance with Texas and Federal Law. However, once disputed on those grounds XXXX, Equifax and XXXX verified it thus also being in violation.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/21 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a 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 be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Didn't receive notice of right to dispute

On XX/XX/2020, Enhanced Recovery Co. added a derogatory mark on my credit report. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA, Enhance Recovery CO has violated my rights as a consumer and I'm requesting legal action to remove this account immediately from all credit bureaus.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There is an inquiry on Equifax that I do not recognize. This is fraud since I did not consent to this. I have filed a dispute with Equifax saying that the inquiry is fraud yet they continue to report the inquiry. 

I demand under FCRA : Section 604 : XXXX Permissible Purpose XXXX. My written authorization XXXX. Proof that I personally initiated this inquiry. 

Either provide me strict proof or DELETE the item immediately.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account - XXXX XXXX # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Information belongs to someone else

HELLO MY NAME IS XXXX XXXX XXXX XXXX I WROTE THIS COMPLAINT BECAUSE I AM A VICTIM OF IDENTITY THEFT PLEASE UPDATE MY CREDIT REPORT REMOVE FRAUDULENT ACCOUNT, XXXX XXXX XXXX,. AND REMOVE FRAUDULENT INQUIRIES XXXX XXXX XXXX AND XXXX XXXX HERE IS THE IDENTITY THEFT REPORT
Complaint sub-issue: Frequent or repeated calls

Hello! 

An employee of XXXX, XXXX XXXX XXXX, XXXX fraudulently charging my debit card for his insurance plus he tried to spend XXXX at XXXX online when my bank called and shut down my card because of abnormal activity on XXXX XXXX, XXXX. An employee of XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, called me from a different number ( his cell phone ) at XXXX pm to tell me my card number was invalid. I then explained to him that yes it is because I had some fraudulent charges on it. He seemed sympathetic etc and I told him that I would be getting a new card and would call him with that information. I called his office the next day, because I thought it was odd that he was calling me at XXXX and asked to speak to a supervisor. The man that answered the phone said he no longer works there. XXXX called me the next day while I was on a lunch break to ask if I had received a new card. I said Im a little confused because originally you told me that XXXX, XXXX XXXX XXXX does not accept debit cards and if you dont accept them why would you need it? He said because it would be a backup in case I didnt pay. I then informed him that I called the office and they said he no longer worked there. He denied it and asked who said that? I told him I didnt catch his name. I told him to call me back around XXXX and I would get the card and give him the number. He never called and Im assuming he knew that I knew it was him that did the fraudulent charges. I called XXXX, XXXX XXXX XXXX because I never got a call back, and asked to speak to a supervisor. The lady said she could help so I told her the story. She said you need more than a supervisor and placed me on hold. I spoke with XXXX XXXX, XXXX XXXX and told him my story again. He said XXXX no longer works there and that the XXXX had done this to another lady and she was filing a police report and that they, XXXX, XXXX XXXX XXXX, were filing something also. He asked me to fax him a copy of the police report when I got it. 

XXXX, XXXX XXXX XXXX XXXX. took me to court over an old credit card debt. The credit limit was XXXX or XXXX} and now is XXXX that XXXX XXXX XXXX XXXX bought from Main Street Acquisition Corp. I asked if they would drop the interest off and I was told that he would fight it and so I agreed to pay XXXX a month. I would think that XXXX, XXXX XXXX XXXX would have some type of responsibility for their employees. I have written an email to XXXX XXXX on XXXX XXXX, XXXX and as of today XXXX XXXX, XXXX I never received a response to that email. I did receive a letter dated XXXX XXXX, XXXX saying they have n't received my payment. I do not think that I should owe anything on this debt after an employee of their company wrongfully used my debit card. That person would have never had my debit card number if he was not a collector on an account of XXXX, XXXX XXXX XXXX. They have some liability for this/his action.
Complaint sub-issue: Account status incorrect

I paid the debt collections company XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ) the total amount of my account on XX/XX/2020. The total amount was {$3600.00}. I received a Paid In Full letter from XXXX XXXX  which was consequently submitted to all 3 credit bureaus. Both XXXX and XXXX  report the account correctly as paid in full but Equifax does not. Multiple attempts have been made by multiple parties to ensure that Equifax updates the account properly but none successful. The collections company XXXX XXXX XXXX says that they have properly reported the payment to Equifax. I would like Equifax to properly report the account. I will attached the paid in full letter, and screenshots to substantiate all of my evidence.