Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Deposits and withdrawals

My name is XXXX XXXX, I have been using Square to process payment for my business and Square stole my funds. My email address with Square is XXXX My funds of {$5200.00} was stolen by Square customer service from XXXX. 

I received email from Square that my funds was available for withdrawal and immediately I received email that someone from XXXX has logged into my account from a device from XXXX hence my funds just disappeared and funds were sent to a bank account not owned by me. 

I sent email to Square immediately about this incident letting them know that I have been hacked and Square didn't respond. This means that the hacker is from Square. 

I have sent several emails to Square support to rectify this issue but they have not gotten in touch with me. I believe that someone from Square logged into my account on XX/XX/2022 to steal my funds and I need my funds back because I have tried to resolve this issue with Square but to no avail. 

I spoke with Square customer support team four times on the Phone about this issue and I was told that I would be refunded. 

On Sunday XX/XX/2022, I got another email from Square that my account has been accessed from XXXX again and that my password has been changed. 

I spoke with Square again and reported this incident but they have not returned my money. 

I need all the funds stolen from my account back. 

I will attach screenshot of email stating that my account was accessed from XXXX. 

I am in the USA, not XXXX.
Complaint sub-issue: Can't temporarily delay making payments

hello this complaint is in regards to XXXX, i called earlier today to request help with options on getting on track with my past due which was XXXX dollars i told her i could pay XXXX dollars today, due to being in the hospital and being off work, the agent was not helpful and was being rude so i hung up and didn't call back at all, then today at XXXX XXXX my local central time i get a call from the agent from her personal cell number cursing me out and she left me a voicemail, my concern is has my social and personal information been compromised, she needs to be fired!!! she took the time to call from her personal phone number & left me a voicemail after hours!! she needs to be fired!! my biggest concern is my personal information, this needs to be looked further into! what kind of workers do they have handling our personal information!!
Complaint sub-issue: Account status incorrect

My account was paid in full - and due to fraudulent activity charges were made to my account. After many conversations with US Bank, these transactions were reversed, confirmed that they were fraudulent, but US Bank never contacted the credit bureaus to wipe the late payments from my credit report.
Complaint sub-issue: Information belongs to someone else

hello i am filing a complaint for error on my credit report from XXXX, XXXX, Equifax so i want the items removed and deleted from my report or verified.
Complaint sub-issue: Reporting company used your report improperly

In accordance to the Fair Credit Reporting Act, this creditor has violated my rights under 15 U.S.C. 1681 section 602 which states I have the right to privacy 15 U.S.C. 1681 section 604a section 2 also states a consumer can not furnish an account without my written instructions.
Complaint sub-issue: Was not notified of investigation status or results

I had been invited to open a XXXX credit card approx. mid to late 2015. I had just secured social security. and had no credit useage for many years prior. apparently my score brought in all the credit offers. the offer was 12months 1 st year at no interest. they started off wrong right out the gate. I hadn't set up any account for XXXX  on my computer and was awaiting my first bill. they failed to mail to my residence my first bill. of course being a new customer I hadn't monitored time frame. I was also under personal crises and family matters. by the second month I did my inquiry. received my billing. they said they mailed but not my correct address. that could have been made by intrusions or failures on there part. nevertheless a late fee had been installed. im certain I had also set my due according to my finances. I believe it wasn't changed. then it seemingly was to there liking. idk where to point finger or why, but I did have a personal crises in Domestic financial abuses he may have been in involved idk. I kept paying late fees and seemingly never got my one year of no interest. despite my faithful payments. I was not being taken serious about my payment due dates. so as soon as I knew I had paid all I had charged on XXXX card I requested to close account one year later. I paid all I charged and late fees. in lieu of there non compliance and the financial abuses and possible fraudulent manner he may have had in tampering with my account or XXXX  unwillingness to honor my requests, this service as a hinderance. I am victim to both sides. I had paid all I charged and late fees. they had continued charging these late fees. I do not owe and im on limited income too. I would still be a customer if I was treated fairly.
Complaint sub-issue: Information belongs to someone else

My identity has been compromised. I found out becausXXXX XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/21, I have returned 5 items to XXXX store in XXXX, OR IN PERSON. 
The merchant issued me a total refund of {$350.00} ( I have now both proofs : merchant copy and the my copy of this return/refund ) to be credited back to my XXXX Citi bank XXXX XXXX credit card. This refund has never been credited back to my account by Citi bank. Instead, Citi bank started a dispute which they later rejected. The money was never credited back. 
Now the dispute has been closed, the decisioncannot be appealed, the billing support phone line for citi bank is non-functional.
Complaint sub-issue: Their investigation did not fix an error on your report

I am very frustrated at this time, my concern was not properly handled by the XXXX credit bureaus - Equifax, XXXX, XXXX. I've been writing letters for months now and did not get a clear explanation why they keep on saying the accounts were verified. Please carefully look at my name, social security number and date of birth. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information. All claims, true or not must be proven to be currently and fully TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP of my responsibility and or compliant to any and all applicable reporting laws and requisite standards. The accounts XXXX  XXXX BANK, XXXX XXXX BANK, XXXX XXXX XXXX history were not correct and is not a charge off. I PAID THE ACCOUNTS AND WERE SATISFIED AS AGREED. Remove this thing from my credit report as soon as possible the sooner the better because it is preventing me from getting anything approved
Complaint sub-issue: Account information incorrect

I have contacted Equifax on several occasions Over the past three months due to reporting issues. First there were errors that were requested to be fixed for several months then Suddenly my information did not report at all except for one cancelled account from years ago. It has impacted my ability to buy a home at prime rate, and led to multiple unnecessary and score impacting inquiries. When I called I was asked to submit copies of my Social Security card and an ID and they stated that within 4 to 6 weeks that would get my file corrected. That has not happened and this was BEFORE the data breech which Im now informed Ive been impacted by as well.
Complaint sub-issue: Account information incorrect

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 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX Reference number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX, Account name : DEPT OF EDUCATIONXXXX, Account number : XXXX, Account name : XXXX XXXX XXXX XXXX Account number : XXXX, Account name : XXXX XXXX XXXX BANK, Account number:XXXX, Account name : XXXX XXXX, Account number : XXXX, Account name : XXXX XXXX Account number:XXXX, Account name : XXXX XXXX, Account number:XXXX, Account name : XXXX XXXX, Account number: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 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.
Complaint sub-issue: Other problem

The XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX phone XXXX was the motel I rented a room for my son XXXX for 10 days at {$60.00} a night. They also were given {$50.00} in cash as a security deposit on XXXX/XXXX/XXXX. The merchant # was XXXX and store # XXXX. This was charged by me on my Discover Card XXXX on the same day. 

3-4 days later the owner evicted my son, since a visitor has come to his door, unbe knowings to my son of his visit. He verbally harassed my son to leave and we were never told there were no visitors allowed. I had to secure transportation to another hotel. The owner of the hotel would not give him any funds back. I also sent a letter with XXXX drivers license in the letter to the hotel, which they have never given this back to my son nor returned to me in the mail. 

I have spoken to Discover and the motel several times to delete the entire charges on my account. They want documentation, which did not happen since it was verbal abusive behavior. Discover has before refunded it and then adds it back on my checking account, which is now frozen. My mail is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and discover is XXXX XXXX XXXX, XXXX XXXX Oh XXXX. Thanks, XXXX XXXX and XXXX XXXX
Complaint sub-issue: Attempted to collect wrong amount

This company is using predatory collection tactics in order to have me repay them on a debt, that I am paying to the original creditor. I was contacted by phone from this company in XXXX of 2021. They informed me that they were attempting to collect a debt that they purchased from XXXX XXXX University. I informed the representative that I was making payments directly to XXXX  XXXX University, and I would not send any payments to them. They told me that they would review the account with the original creditor and update me on the situation. Without any previous notice, on XX/XX/2021, The company GENERAL REVENUE CORP, placed this derogatory collection account on my consumer credit report. They have falsified information about the account stating that the account was placed in collections on XX/XX/2021. I have proof that the original creditor accepted two payments from me between XXXX XXXX and XX/XX/2021. GENERAL REVENUE CORP, has violated my Consumer Rights and damaged my Credit Report with these predatory tactics. I demand the immediate removal of this false account.
Complaint sub-issue: Need information about your loan balance or loan terms

I have XXXX as my student loan servicer. My loans were orginially under XXXX, but were transferred once I submit the public loan forgiveness employment form and was deemed eligible to enroll in the program. My loans were transferred on XX/XX/2018. I called them in XXXX to follow up on my payments that had been made under XXXX since the employment form clearly showed I made eligible payments. They told me it would take until XXXX to verify everything and credit it to my account. I called XX/XX/2018 and was told they could not release any status information. They said they were backlogged and it could take months. I then spoke with a supervisor who confirmed that they could not release any information, but to continue to make payments on faith that everything would be sorted out. I have never missed a payment, have automatic debit, and I can not get any information on what payments have qualified. They are very difficult to deal with and it is unacceptable that payments I made a year ago have not been credit to my account for the public service loan program.
Complaint sub-issue: Was not notified of investigation status or results

I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached the notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft who has had my disputes and calls to resolve this matter ignored on multiple occasions. This is purely unlawful and my next step will be contacting attorney general and legal proceedings with my own private attorney after exposing these injustices to all media outlets. I have police report FTC affidavit dispute letters, proof of me being out of society during time of thefts and these accounts still remain! This is the final attempt these accounts must be blocked and removed immediately!!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There is an inquiry that just reported which was never authorized nor do I owe any apartment debt. I 'm requesting this be removed XX/XX/2017 Inquiry Creditor Type : Other Collection Agencies AlertDate:XX/XX/2017 Creditor Name : HUNTER WARFIELD INC Creditor Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Creditor Phone : ( XXXX ) XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX I opened a dispute with Citi due to a merchant not issuing me a promised refund. On XX/XX/XXXX I submitted all required documentation to Citi showing evidence ( via text messages and recorded phone called, attached here ) that the merchant offered me a refund and accepted the products back, yet never issued me a new invoice showing that I was given the refund. On XX/XX/XXXX, Citi ruled in the merchant 's favor claiming I did not provide evidence of the merchant accepting the merchandise back, even though this was provided. The merchant did not even dispute the claim that I had returned the merchandise. I am now liable to pay {$7900.00}, despite giving evidence that I received both no services or products of any value and was offered a refund by the merchant. 

The merchant never issued me a formal invoice showing a refund, but rather took the product back and proceeded to steal my money. Citi did not receive a response from the merchant disputing this charge, but still is unwilling to work with me and is clearly violating FTC rules related to fraudulent charges for services not delivered.
Complaint sub-issue: Account status incorrect

As of XX/XX/2022, Equifax is reporting that I have 2 closed accounts with balances from XXXX and XXXX XXXX and XXXX. These accounts do not show up on my XXXX report. Equifax has failed show any signed contracts that I have for these companies.
Complaint sub-issue: Other problem getting your report or credit score

I have applied for a car loan and they are unable to obtain my credit reports due to the fraud alert that I have placed on my file. Also, I will need to add my contact telephone number to my credit file My contact telephone number is XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Dear CFPB For the las t three months , I have written to Equifax on several occasions disputing the fact that the items listed below are incorrect. The credit bureau continues to state that they have verified the debt. Let this be a formal complaint against Equifax. The following accounts are the items the credit bureau has refused to investigate correctly. Also, I would like to add that the other  XXXX  major credit bureau s (  XXXX  and  XXXX  ) are reporti ng accurate and correct information about this account.      1.    XXXX    XXXX  Credit Card. Available balance and Credit limit are reported incorrectly.   2.  XXXX   XXXX   XXXX   (    XXXX   XXXX   ) I re quested to Equifax and the creditor listed on the report, several times, for proof that this account belongs to me. As of today, neither party has provided me any contract or any documents that proof that I am the owner of this account. I also notice inconsistencies with their last payment date since it is noted as  XX/XX/2017    on my credit report. I do not recall having any account with this company (  XXXX   ) I a m attaching a copy of my credit report by Equifax as of  X/XX/17    and also I am attaching my credit card last  XXXX  statements.     I thank you in advance for your assistance on this matter.        XXXX   XXXX
Complaint sub-issue: Debt was result of identity theft

Recently, I've grown an interest in monitoring my credit. I am XXXX years old and I and my family are ready to purchase a home. As I've gone through the accounts and collections displayed on my credit I've noticed unusual activity and an ample amount of accounts that do not belong to me. I've made several attempts to call the dept collectors and explained my situation to all of them, however these accounts still appear on my report.
Complaint sub-issue: Account status incorrect

I had a leased XXXX XXXX through XXXX XXXX XXXX, acccount # XXXX, Starting XX/XX/XXXX to XX/XX/XXXX with all payments on time.I returned the vehicle before XX/XX/XXXX at the end of lease, and was told that a bill would be sent to me in 45 days or so. I never received a bill until I found out around XX/XX/XXXX that I had been reported delinquent, and my FICO score had dropped by over a 100 points! I started communicating with XXXX XXXX on the phone and was told that a final bill had not been sent, however a bill of {$900.00} was showing over 30 days due. I have no way to dispute this charge, It was supposed to include wear and tear and lease end fee. I am astounded that XXXX XXXX  makes such mistakes, and holds itself holier than though. 
As a customer I am at a loss of words as to how the Compliance and Audit departments at XXXX XXXX XXXX   accept this kind of business. 
As a consumer, I have a right to receive a bill, and be given sufficient time to pay this bill. Not having done that, they have used the fair credit reporting tool as a weapon against me, and ask me to pay a price for their blind misdeeds. I have asked for an immediate correction of their misreporting, and I expect a financial adjustment be made to correct the harm done to me.
Complaint sub-issue: Reporting company used your report improperly

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 1681. 

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 XXXXXXXX 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 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.
Complaint sub-issue: Information belongs to someone else

I was reviewing my credit file & came across numerous items which I did not recognize, know existed or authorize. I contacted the companies to inform them of the issue. They instructed me to file a complaint with XXXX & credit an identity theft report for their records. The following information listed is inaccurate & opened due to identity theft. Please see the following information is blocked from my report as I did not benefit or receive any goods or services from these items. Here is the list of information I need removed/blocked from my credit reports : Names ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following accounts : XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$620.00}.
Complaint sub-issue: Trouble with how payments are being handled

This is not the first complaint I have submitted about this company. I switched my servicer to FedLoan for the PSLF program. Earlier this year I submitted annual documentation to decertify my income based repayment plan. My payment went from $ XXXX/month to {$580.00}. When I called to complain about this, no one could ever explain to me how this happened. My income did not increase significantly and I had been at the same job. I was assigned a " borrower advocate " at FedLoan. I was put into a REPAYE plan with a payment of only {$200.00}, which I felt was an interest only plan. In XX/XX/XXXX, I found out that my husband also has a significant amount of Federal student loans. I spoke to this " advocate '' about this and she sent me the forms to reapply for the IDR plan. In the meantime, I again received another bill for the {$580.00} which I have repeatedly told them I can not afford. I filled out the form ( earlier this month ) and emailed it directly to the " advocate '' along with our tax returns. Last Friday XX/XX/XXXX I received an email saying they could not process my request due to " missing information '' and that I would be getting a letter telling me what was missing. When I tried to log onto the website to see the letter, the site was down. Yesterday I emailed this " advocate '' and today I left a phone message- no response. Today I got a letter in the mail from FedLoan not saying anything about missing information but that hey could not process my IDR request because " the version of the form you submitted is expired. '' Then I received a letter saying my account had been placed in forbearance to give me time to figure this all out. 
I am someone who has never been behind on bills and has always had excellent credit, and I do not need it destroyed by FedLoan Servicing.
Complaint sub-issue: Public record

Im having issues with credit bureau reportingin accurate information on my credit file. fair credit reporting act XXXX isnt being honor through the credit bureau i ask for contract with signature, and documentation copy of social sercuity card and id that supposed to be on file with credit bureau i have n't received those documents i was told that they dont have these required documents in my file they have to get said documentation. from creditor which the law states that these documents should be in my file.
Complaint sub-issue: Information belongs to someone else

A new credit inquiry appeared on my credit report. A hard inquiry appeared on XX/XX/22 regarding XXXX XXXX. I have not applied for a credit card or a loan with this institution so I suspect it is fraud.