Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

Ive been contacting Equifax for years about this XXXX XXXX XXXX  XXXX account # XXXX that is listed on my credit report. The last time in particular was when I submitted a CFPB complaint on XX/XX/2022 regarding this account. I was told by Equifax that I would receive information in the mail. I would a notice that the account information has been verified as accurate, which is incorrect. The account information is completely inaccurate and Equifax refuses to properly verify the information in which they agave listed on my consumer report. According to the FRCA 15 USC 1681 everything must be 100 % accurate. I have the credit report showing inaccuracies. Ive advised this agency that the date of last activity is incorrect, this account updates monthly as CO as it should be, the past due amount has changed three times since this account has first charged off. How is this so if this is a dead account? Im asking for this account to be verified with the ORIGINAL COLLECTOR and that the ORIGINAL promissory note that I signed be sent to me along with Equifax correcting ALL of the inaccuracies on this account or delete this account completely due to this agencys inability to follow consumer laws.
Complaint sub-issue: Funds not handled or disbursed as instructed

Please re-open case # XXXX. Despite a letter I have received from a XXXX XXXX XXXX from Citi bank stating the funds of {$18000.00} and {$23.00} had been mailed to the current address on record I still have not received any money from Citi Bank. According to the letter from Citi Bank the funds were mailed to my previous apartment address on the date of XX/XX/2019. I had access to this apartment address up until the date of XX/XX/2019 and can confirm that no checks addressed to me for these amounts were present in that mailbox on or before that date. On XX/XX/2019 I updated my address to reflect my current home in XXXX, Missouri. Around the date of XX/XX/XXXX, I received a paper copy of the letter from XXXX XXXX XXXX in my mailbox at my current home address. On XX/XX/2019 I called CitiBank again to inform them I never received the checks containing the funds within my closed savings account. The representatives on the phone continuously stated I must not have received the funds because I no longer live at the apartment address. However, they had no explanation in regards to the fact that I still had access to the apartment mailbox up until XX/XX/XXXX and never saw the checks in the mailbox. Whenever I requested a second check was mailed to me I would be placed on hold and transferred to another department. My final conversation was with a representative named XXXX. She had stated that she would be unable to send me a second check despite having the information to show the previous checks had never been cashed. She stated she would need permission from " someone else '' and to call back in 5-7 business days. It has been since XX/XX/XXXX, of 2019 that Citi bank had froze my savings account and has been holding on to over {$18000.00} of my personal finances without my consent. I am absolutely astounded and at a loss as to what do. It is unbelievable that a very large, professional, banking corporation can hold any amount of an individuals finances without there express consent for nearly half a year. Please provide any assistance possible to enable me to obtain these finances.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I file a police report on XX/XX/XXXX, to remove the inquires from my credit report. I sent documentations to Equifax and they didn't remove them, I also provided a police report as well. They refused to remove the inquires. Please review the inquires that needs to be removed as follow : XXXX XXXX XXXX Inquiry : 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 Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX. XXXX, XXXX XXXX XXXX  XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : 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  Inquiry : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  Inquiry : 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 Inquiry : XXXX XXXX, XXXX AXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem accessing account

I am having a fraud protection problem with my financial institution. I lost my bank card and they will not replace it even after I sent them all the documents required in order to satisfy their fraud requirements. They are XXXX and I am XXXX XXXX, XXXX XXXX # XXXX, SS # XXXX. Their # is XXXX XXXX XXXX and their email is XXXX.
Complaint sub-issue: Account status incorrect

Hi, I hope all is well. 

I have one account with Nelnet that has reported my account as " current '' one month, then on month later, reports as " 90 days late '', then reports as " 120 days late '' the following month before reporting as current again durning the following 4th mont ( Current - 90 Days Late - 120 Days Late - Current ). This has happend on three separate occasions : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX When I log into my account, the latest account information dates back to XXXX XXXX XXXX ( Attached ). When I call to get information that dates back further, I am told that it is not available, which makes it impossible for THEM to furnish this inoformation to others. 

I have asked for a correction with through mail, email, calls to representatives who can not make changes even at the supervisory level which is the highest level you can get to in a call. 

LASTLY, this ONE account reports as 15 different accounts. Which means I now have 75+ negative incorrect reports from a Nelnet which can not provide information/proof explaining how I can I can go from " current '' to " 90 Days Late '' from one month to the other. 

Any help or clarity given would be really appreciated. 

All the best, XXXX XXXX
Complaint sub-issue: Personal information incorrect

I have tried numerous times to get this issue cleared up with Equifax, I have called the corporate office and spoke with reps been placed on hold for hours with no resolution. I needed 28 confirmation disputes resent to me because equifax has been adding accounts and addresses on my credit report since the breach. I spoke with a rep on XXXX/XXXX/XXXX and after giving her the 28 confirmation numbers i need paperwork for and after doing all of that they still had my address wrong as XXXX XXXX XXXX XXXX XXXX, XXXX nc XXXX. There is no XXXX XXXX for my address, I have sent in my drivers license, social security card and a copy of my light bill for the address and they still have my address wrong, I stayed online for over 1 hour waiting for a supervisor and i had to hang up. I will attach the copy of the calls, the addresses on my credit report they even have addresses in Virginia and Georgia that are not mine and they keep adding incorrect information on my credit report.
Complaint sub-issue: Public record information inaccurate

XXXX XXXX claims they sent me a final bill for a leased vehicle that was turned in early. I never received such bill. They then reported me to the credit bureaus for not paying the final payment even though i never knew until i applied for a mortgage refinance that i owed anything. When i disputed this by phone, they told me " we left you a voicemail on your cell phone '' ( no date was verified and i had no such voicemail '', but they admitted they should have called earlier and BEFORE reporting me to the bureaus. Further, they said they'd clear the negative marks from my credit report. Needless to say, i can not get my credit score adjusted fast enough to refinance my mortgage, so because of their admitted error, i will be in an unfortunate situation. My auto payments are ALWAYS on auto pay from my bank account so that i don't miss a payment. They inaccurately said i owed a balance for 6 months and missed monthly payments for 6 months AFTER i had turned in the leased vehicle. I am confident they knew they did not properly try to reach me for an unpaid balance and that's why they jumped to say they will remove the marks. Unfortunately, 30-45 days of waiting will not be suitable to help me. i have already spent countless hours on the phone with all 3 credit bureaus as well as XXXX.
Complaint sub-issue: Account information incorrect

Let this complaint be the proof that I need the CFPB to investigate XXXX  and how they are not honoring their legal settlements between them and their clients. 

XXXX and I signed a legal settlement on XX/XX/XXXX. XXXX was to send a deletion notice for the months of XX/XX/XXXX and XX/XX/XXXX to all 3 credit bureaus within 10 days of full execution of the agreement ( once both parties sign ). Per the legal agreement, XXXX was to send an update no later than XXXX. 

Its been almost three months and they havent sent the update to the credit reporting agencies. The credit bureaus are saying no update was sent to them for the late removal. 

We just got turned down for a mortgage, since this late is still on there, and will hold XXXX responsible for damages. I lost the opportunity for a loan due to XXXX ' breach of contract. 

I am afraid that XXXX is committing breach of contract not only in my case but also with other customers. 

See attached proof of agreement and credit report that shows the late payments are still being reported.
Complaint sub-issue: Can't qualify for a loan

Thank you for taking the time to read this issue. On my credit reports ( XXXX XXXX XXXX XXXX has Charged Off/Transfer my account to a collection company XXXX XXXX XXXX. I filed Bankruptcy in XXXX XXXX. In XX/XX/XXXX my loans were in Forbearance, due to Unemployment. My other XXXX loans were all in Forbearance during this time. I am not sure how XXXX XXXX could charge off and put my loan in a collection agency while loans were in Forbearance. I have called XXXX and was directed to contact XXXX ; I contacted XXXX and was then directed to contact Georgia XXXX. Any assistance that CFB can provide will be greatly appreciated.
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

I use the cashapp for my business and I was paid on their by some customers. And in the middle of the night Friday XX/XX/2021 and Saturday XX/XX/2021. I was charge four times by XXXX Ads ( I have no idea what this is ) of {$25.00} dollars. Totaling in {$100.00} and they continued to try and charge my card four more times, but their was no money left and I blocked the card. I have been trying to contact cashapp through email. This is the only way you can actually get in touch with someone. Which they have continually send me to someone else. One person told me I had to contact the merchant, but how Im suppose to contact the merchant if I dont know who they are or how to contact them. When I ask no one has answered are responded to any of my question. I have emails everyday since and no one has responded to my complaints. I think its ridiculous that you can not speak to someone on the phone if you are a bank.
Complaint sub-issue: Delay in processing application

On XX/XX/2021 I applied for a secured credit card with XXXX XXXX Credit Card issued by Synovus Bank, XXXX, GA, member FDIC. The card was secured by a deposit of XXXX that was deducted from my checking account that same day. On XX/XX/XXXX I checked the status of my credit card. The website listed my deposit as pending and the credit card issuer had yet to receive or accept my deposit. I found this strange as the deposit was taken out of my account on the XXXX. I called the number that was very difficult to find and after speaking to 3 different people who all asked me for the same exact information and proceeded to transfer me to XXXX who supposedly needed to verify my personal information once more before my card could be approved. After verifying my information once more XXXX informed me that my deposit was accepted and my card was approved but I would need to call back in 24 -48 hours to confirm. I found this process odd and asked XXXX why did I the customer need to call back in order to finalize approval? XXXX told me that was the process and that was standard procedure. At this point I accepted what he said but asked for a supervisor. XXXX repeated that my card was approved and just to call back in two days. I told him the entire process seemed odd for a bank and that I was simply uncomfortable with the entire process. He repeated that I had been approved and to call back in 24-48 hours. I asked him for his full name which he seemed reluctant to give me. At this point my instincts told me something is no right but I ended the call. A few minutes later I called the same number again in hopes of getting through to a supervisor. Now that same number only keeps you on a continuous loop and you can not get to a real person. I tried calling the parent bank multiple times and waited on hold for 45 minutes before hanging up. What kind of bank operates like this? I then did something I should have done initially and researched the card and the bank. I found that this credit card issuer is very shady and there are many lawsuits in it's history. I made one last attempt to call the original ; number i was able to initially get through on and was only able to get a continuous loop and am unable to speak to a live person. The number I called was XXXX XXXX XXXX XXXX. The website of this company is XXXX XXXX XXXX I wish to file a complaint and seek to recover my deposit of XXXX immediately. The business practices of this credit card issuer seem to be a type stalling tactic in order to keep your money as long a possible. These people should not be in business!
Complaint sub-issue: Other problem

Elan Financial, servicing the XXXX XXXX XXXX XXXX ( GLCU ) account I have, " converted '' my card XX/XX/2022 with a differently numbered card. It now ends in XXXX. They have been calling me every day in XXXX trying to collect a minimum payment of {$25.00} on this account. I have never received a statement for this new card! I made a total balance payment on the old numbered account ( ending in XXXX ) on XX/XX/2022, but they claimed they never received it. I sent them a copy of the front and back of the check, as they requested, showing that it cleared XXXX on XX/XX/2022. They continue to try to collect. They have not acknowledged the " lost '' check, nor have they sent me a statement since the " conversion '' took place. I have talked to XXXX people at Elan Financial about this, the last a " XXXX '' on XX/XX/XXXX, yesterday. They all say they understand. But I don't. I would like them to A : send me a statement for card XXXX showing all payments made to XXXX. B : stop calling me, and C : don't dare touch my credit rating in the XXXX 's.
Complaint sub-issue: Frequent or repeated calls

On XX/XX/XXXX I received a phone call and a voicemail was left, saying I owed a debt from U.S. BANK in the amount of {$1800.00} ACCT # XXXX his name was XXXX XXXX, I called him back and told him I never had any debt with U.S. BANK and requested they send something in writing, he instead asked for my email address and sent me a DocuSign document wanting me to fill out and acknowledge the debt. They told me if I didn't do this, they would contact my employer to garnish wages I guess? He's saying the amount owed was from XX/XX/XXXX. I called U.S. BANK to even double check and they even said they had nothing on file with my name on it. He had me listed living in XXXX, XXXX at that time and I am pretty sure I was living in XXXX. I believe this to be a scam and want to report this. The name of the company is XXXX XXXX XXXX they first called me from this number ( XXXX ) XXXX ( XXXX ) then they called again today XX/XX/XXXX from this number ( XXXX ) XXXX ( XXXX  ) both times reciting I call back this XXXX number ( XXXX ) XXXX. I did provide him with my email address so I could respond to the email to have a paper trail and told them that if they want me to pay anything, they need to send me something certified mail with my debt protection rights and the actual information about the debt. I hope this helps. 

Sincerely, XXXX XXXX
Complaint sub-issue: Right to dispute notice not received

I 've requested all billing and payment statements on all student loan accounts from MRS Associates since I have paid from XX/XX/XXXX to XX/XX/XXXX. I 've corrected my address several times but nothing ever changes. There are XXXX accounts that went to collection from XXXX and I have yet to receive any documentation of payments, interest rates and charges, and payments made.
Complaint sub-issue: Application denied

I've been a Citibank cardholder for nearly 30 years. Over the years, I ended up accumulating multiple cards from Citibank. Recently, in an effort to reduce the number of accounts, I cancelled my cards with Citibank ( and other institutions ). I intended to keep one card open with Citibank, but unintentionally closed all of them. I recognized my error the same day I cancelled the accounts and reached out to Citibank to restore one of the cards.

This began a frustrating, burdensome, and unproductive process of frequently contacting Citibank - always getting an associate from overseas, who provide inconsistent and conflicting information, and who appear to have no information about my account. 

There has been ongoing concerns that Citigroup is too bid to manage, and my experience seems to validate this concern.
Complaint sub-issue: Their investigation did not fix an error on your report

This complaint was the result of their non-compliance to my request and for their refusal of getting the accounts, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the FederalCredit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned accounts for they were found erroneous and unauthorized. 

XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX. ) XXXX Date Opened : XX/XX/2021 Balance : {$5800.00}
Complaint sub-issue: Was not notified of investigation status or results

I have filed disputes with XXXX, XXXX and Equifax back in XX/XX/2020. This is now XXXX and I still have yet to received anything from them. I want to fix my credit report and this is holding me up and I don't understand why they haven't reply to me yet.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name XXXX # XXXX under XXXX XXXX XXXX, 15 USC 1681 section 602 A. States I have the right to privacy. USC 1681 section 604 A. section 2 : it also states as a consumer reporting agency can not furnish an account with my written instructions. USC 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 antidates the report by more than seven years. USC 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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1500.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7600.00} ; XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Didn't receive services that were advertised

Equifax had a breach of their systems and there negligence has caused my personal information to be stolen. They set up a website to check if you have been impacted which I was and they want to give you a free year of credit monitoring but to use it they want you to waive your right to a class action lawsuit. They apparently knew about this breach for more than a month before they decided to tell the public.
Complaint sub-issue: Debt is not yours

I received a letter stating that I owed {$2500.00} to Citibank a company that I have never done business with and offering a settlement amount of {$760.00}. Normally of collections letter they say something regarding disputing within a certain amount of time but this one does not say that. But it does say due to the age of the debt law prohibits me from being sued or from it appearing on my credit report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/19 I paid my current credit monitoring account the fee of {$29.00} to review my credit reports with Equifax, XXXX  and XXXX XXXX. I discovered there were multiple unauthorized hard inquiries on my credit and I contacted each creditor via phone which took 4 hours of my time from work and nothing happened. I filed a dispute to each credit bureau on XX/XX/19 and sent each letter via certified mail with tracking numbers to monitor this process. On XX/XX/19 I refreshed my credit reports and further discovered that there are no changes nor any updates on the methods used by each credit bureau. Furthermore, there is an invalid late payment on one of my accounts that has always had perfect payment history and I submitted documentation to the credit bureaus as well to expedite this request since I am making sure my credit is in good order to purchase property. This is a blunt violation of my rights as a consumer and is costing me tremendous stress and hardship on my health because of this violation. I am reaching out to the consumer finance protection bureau for help since it has been more than 30 days since each credit bureau received my dispute packages.
Complaint sub-issue: Account status incorrect

I've been trying to get this charged off account removed since XXXX, this account is showing inaccuracies, wrong dates and wrong amounts owed is not matching, this account clearly shows that it's been charged off and debt was sold, this been appearing since XXXX and it's been a nightmare trying to repair my credit just to be financially stable for my family