Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account information incorrect

I have requested for XXXX XXXX  and dept of education to change the balances on the loans I have a XXXX XXXX. The company promise to remove the balances to XXXX. The lender are not requesting for the loans that I have that are transferred/closed account. 
They are still sitting on my credit report appearing as double loans. They have the same account numbers, I really would like for the lenders to remove the closed loan accounts.
Complaint sub-issue: Information belongs to someone else

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

50 days ago, I sent a letter to Equifax asking them to investigate and correct errors on my credit report. So far, they have not responded, and they are supposed to respond within 30 days.
Complaint sub-issue: Their investigation did not fix an error on your report

On XXXX XXXX I sent EQUAFIX a certified dispute solely expressing inaccurate late payments in my consumer file. Credit Act 15 U.S.C. 1681 ( 2 ) ( a ) ( I ) Exclusions from a Consumer credit report ; Which they received XXXX XXXX at location XXXX, GA XXXX. I went into explanation how my rights were being violated and I want to dispute and make correction of those late payments to be deleted. Equafix in fact violated the law by not having in dispute listed in my consumer file while this late payment dispute is underway. Which is Liability for willful noncompliance { 15 U.S.C. 1681n }. According to 15 U.S.C. 1681i ( 5 ) ( a ) ( i ) Treatment of inaccurate or Unverifiable information if EQAFIX was unable to verify the late payment belongs in my file then this investigation was deemed considered to be UNVERIFIABLE so in fact must be removed. I want the late payments to be deleted expeditiously. And I want receive my full consumer report reflecting the deletion and the current report as of the deletion; mailed to me through via postal mail.
Complaint sub-issue: Reporting company used your report improperly

Equifax has exposed my personal information, including name, address, social security numbers, and details of my credit accounts and inquiries. I will be incurring significant time and expense rectifying the damage as a result of Equifax 's negligence.
Complaint sub-issue: Funds not received from closed account

In response to a widely publicized promotion, I opened a checking account at CitiBank on XX/XX/XXXX. In accordance with the rules of their promotion, they pulled a little over {$50000.00} from two of my other financial accounts. In return, they were to pay me a bonus of {$700.00} after the money had been on deposit with CitiBank for 60 days. 


On XX/XX/XXXX, they sent me a letter saying they were closing the account, but gave no explanation. When I called on XX/XX/XXXX, they still had no explanation, but said they would be returning the money to the accounts they pulled them from within a few days. When I called them early today, they acknowledged they were still holding my money for no particular reason, but they said they would send me a check by snail mail in about two weeks. 


At this point, I feel I have been defrauded. They snookered me into depositing a lot of money in return for a bonus they now don't want to pay. They had no reason to close the account, and now they refuse to return my money. I don't want them to send me a check, because I don't want to take the chance of it getting lost in the mail, which would cause a whole new set of problems. Why can't they just return the money to the accounts they pulled it from, just like they told me they would? 


Finally, I was shocked when I looked at your database to see how many similar complaints have been filed against CitiBank. This caused me to dig a little deeper, and it turns out the internet is littered with complaints about CitiBank burning customer like this. Here are some : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXXXXXX 3. XXXX XXXX XXXXXXXX 4. XXXX XXXX XXXXXXXX 5. XXXX XXXX  XXXX 6. XXXX XXXX XXXX In fact, the XXXX XXXX XXXX wrote an article ( XXXX XXXX XXXX ) about CitiBank screwing customers over like this going back to XXXX. 


And the XXXX XXXX XXXX now reports they have received so many complaints about CitiBank, they cant publish them all ( XXXX XXXX XXXX ). 


CitiBank 's misconduct has been so longstanding and so egregious that it is now time ( or past time ) for the CFPB to take strong and effective enforcement action to stop their continued abuse of helpless and innocent consumers.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent inquiries and were not authorized on my credit consumer report with Equifax
Complaint sub-issue: Debt resulted from identity theft

Upon checking my credit report, I noticed an account by the name of rise reporting to XXXX concerning me. I called and spoke with a XXXX agent with my concerns and inform them this was n't my account. The agent replied to me that the account was in good standards and as I told him, I do n't care it was n't my account and to remove it. I 've been a victim of Identity theft and I 've filed a police report case number XXXX Officer XXXX with the XXXX, Alabama XXXX Police Department. number XXXX. I 've also sent a Certified Letter with a returned receipt that I have to XXXX XXXX and Rise also the other credit reporting agent concerning this Rise Account along with a police report and Identity Theft notarized affidavit.
Complaint sub-issue: Account status incorrect

The credit reporting agency is reporting a trade line on my report after several attempts to get the said trade line removed for non validated/non verified.  After several attempts from the said creditor they have confirmed that the Debt will not be reported and they stated that they sent notice to the credit reporting agencies to stop reporting the alleged debt. The credit reporting agency still has the trade-line open with remarks.  I have written notice from the said creditor that the trade-line would be removed. The law is very clear as to the Civil liability and the remedy available to me for “negligent noncompliance” (Section 617) if you fail to comply.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX Account # 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: Problem with customer service

Hello, My federal student loans were recently transferred to MOHELA. The problem I am having with my new student loan servicer is ( 1 ) they do not return my emails and ( 2 ) they have not updated my number of payments from XXXX to XXXX although I have submitted my documents verifying my employment with an approved public service institution over a month ago. All someone has to do is take XXXX minute to review this form and then update my account and no one has done this. 

Not updating my account in a timely manner could force me to make payments unjustifiably. Also, I do not understand why no one at MOHELA has yet to respond to my emails that I sent nearly two months ago when it says you will hear back from them within 5 - 7 days?

Please help resolve these two issues I am having with this new federal loan servicer, MOHELA. 

Thank you very much. 

Best wishes, XXXX XXXX, XXXX.
Complaint sub-issue: Information belongs to someone else

I, XXXX XXXX, am stating that XXXX, XXXX, Equifax are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX XXXX, Equifax may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, XXXX, Equifax any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, XXXX, Equifax credit report : XXXX XXXXXXXX XXXX XXXX XXXXXXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, XXXX, Equifax permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, XXXX, Equifax is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, XXXX, Equifax wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, XXXX, Equifax consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Complaint sub-issue: Account status incorrect

The Money Source keeps saying that the home was not discharged in XXXX XXXX which it was per the XXXX Discharge and The Money Source own attorney sent me back a letter stating such. 

Everything is attached plus the letter from their attorney I received today.
Complaint sub-issue: Banking errors

Hello, It is hard to actually save money, to not touch it, especially in these times. That said, I have noticed that Ally Bank CONTINUES to cheat me on the interest THEY offer. I've had my online high-interest yielding savings account and their online checking and money market accounts probably since XXXX or XXXX. Way back in XXXX I first noticed that the interest that they say is compounding daily and paid out monthly continues to be short. 

How is it that I'm receiving LESS interest even though the interest is supposedly compounding daily AND I'm making deposits that increase my balance by hundreds of dollars? 

Case in point : As of XX/XX/XXXX my savings account ( high interest yielding ) which is supposedly accruing XXXX  daily in interest and is supposedly compounding daily, was credited with {XXXX} ( .15 daily x 30 days ). Between XXXX & XXXX, I made deposits that increased my balance by more than {$400.00} yet on XX/XX/XXXX my account was credited with only {XXXX} of interest. I made no withdrawals at all this YEAR, and so at no point did my balance decrease, I only made deposits. 

I called Ally on 3 different occasions to speak with them about it and I was given 3 different, senseless explanations as to why. The 3rd person I spoke to told me that my XXXX interest payment was reflective of only 28 days of interest, not 30 as was the case with my XXXX interest payment. But when I pointed out to her that my savings account clearly states that it is accruing XXXX daily and that XXXX  x 28 days would = XXXX she could NOT explain how I was only credited with {XXXX}. 

I've had this same problem with Ally bank back in XXXX and at one point, I had moved my money out of Ally and back to horrible, awful XXXX XXXX! But at some point I decided that even though I was being shorted by Ally, it was still way more interest than XXXX XXXX. 

I don't know what to do. As you all know, as it relates to interest compounding, each and every penny counts. Aren't I supposed to see ever increasing interest payments mainly because it's supposed to be compounding DAILY and I've only been depositing increasing my balance? Ally 's high-interest savings account rate has not changed in these past 3 months and it still remains at 0.50 %. I wish there was a way to make them pay me ALL of the interest that they've been shorting me since first opening my accounts. 

Thanks for reading all of this and for any help you can provide. 

Ally gave me a " case number '' XXXX about this complaint on XX/XX/XXXX. I've heard from no one at Ally since. 

Hope you can help make a permanent positive difference, XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

3 month ago accounts in question was removed by 3 CRAs ( XXXX /XXXX XXXX and XXXX XXXX XXXX , same account numberXXXX ). 
2 month later the same accounts was placed back to my report in a violation with : 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and XXXX XXXX XXXX with no successful resolution. XXXX  and XXXX only reporting me late. There was definitely an error on their part. I was never 120-149 days late since XX/XX/XXXX to XX/XX/XXXX.
Complaint sub-issue: Debt is not mine

ERC reported me to XXXX that i owe a debt to XXXX which i did not owe on several occasions i called them on a recorded line which i have evidence asking them to verify the debt or sent me proper documentation proving that i owe the the debt they have refused to provide any evidence. And last month i called them again they told me that XXXX have pulled the debt from them and that they are going delete it from my credit report i have recordings its been more than 50 days ERC is still on my credit report reporting for XXXX The Fraudulent actions of ERC is preventing me from obtaining credit.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2020 I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. On XX/XX/2020, your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested, also the name XXXX XXXX XXXX XXXX appearing on your XX/XX/XXXX letter confirmation # XXXX is incorrect. On my letter dated for XX/XX/2020, I included a copy of my California driver license and a copy of my Social Security card, as I also have included a copy along with this letter to you again.
Complaint sub-issue: Debt was result of identity theft

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on PHEAA ( XXXX XXXX XXXX ) ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. Below are the following accounts with erroneous information. 

XXXX ( XXXX XXXX XXXX ) XXXX OPENED XX/XX/2020 BAL {$5100.00} ; XXXX  ( XXXX XXXX XXXX ) XXXX OPENED XX/XX/2020 BAL {$11000.00} ; XXXX  ( XXXX XXXX XXXX ) XXXX OPENED XX/XX/2020 BAL {$19000.00} ;
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the accounts was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Other problem getting your report or credit score

This involves LEXISNEXIS reporting agency. I have requested a copy of my report several times from this company. I get a summary, and a " link '' to view the report online, and it generates a password-protected, one-time access report. I am unable to print the report, or view it due to their archaic system. What I *DID* see contained many errors. When Incall the company, I am connected with an offshore call center in the XXXX. Foreign nationals should NOT have access to the private information of US Citizens, and I would suggest that this violates the intent AND spirit of the FCRA. I have been trying to get a hard copy of my LN report since XX/XX/2020, with no success.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

XX/XX/21, unauthorized ach withdraw for XXXX XXXX Called to notify and get money back. They issued me a new card and said I half to wait 10 days for REFUND. Gave limited info on who took money. Only told me name XXXX, and last for numbers of account. 10 days past, no results. 
Feel no actions taken by bank.
Complaint sub-issue: Their investigation did not fix an error on your report

After months of trying to rectify the problem with XXXX XXXX regarding an authorized charges and their XXXX XXXX my request and explanation of what was going on as a victim of identity theft. After submitting two separate FTC reports regarding the matter not only for the credit card itself but where the payment was coming from for that credit card I was told by XXXX XXXX that I could not dispute the charges even though I already had and they somehow went ignored but rather that the card was now closed and I am forced to pay whether they are an authorized or not. They did not care about the CFPB report from you guys or the FTC report when I called as recent as last evening.
Complaint sub-issue: Information belongs to someone else

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasnt approved, so it prompted me to check my credit report. I've reach out to the FTC and I've also made a complaint to the local precinct. The items listed are not mine and need to be deleted from my credit report : XXXX XXXX, US DEPT ED, XXXX XXXX, XXXX. There are also inquiries on my credit report that do not belong to me : XXXX/XXXX, XXXX  XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX I, XXXX.
Complaint sub-issue: Reporting company used your report improperly

I 'm here to complain about Equifax 's handling of the credit reporting data in the recent breach. 

Beyond just complaining about my private data being compromised, it 's my understanding that my details were compromised over 45 days ago and the hack is only now being made public and addressed. 

Furthermore, I feel doubly violated - suspicious activity in the stock market indicates that Equifax executives attempted to trade on insider knowledge. I own shares of funds that invest in Equifax. I feel I was defrauded ( as part of my mutual fund ) into paying an unfair price for shares of a company that executives knew was about to plummet, and illegally dumped at my own personal expense. 

I have spent my entire adult life trying to improve this company 's assessment of my ability to handle my fiscal responsibilities. This breach comes immediately after 12 years of my personal journey in repairing my own credit, since I was XXXX years old, and upon paying my debts, earning a XXXX credit score, and beginning my journey as a XXXX investor, my first paycheck large enough to begin investing in my future -- they subsequently robbed me of it.
Complaint sub-issue: Information belongs to someone else

One day in XXXX, I tried to make a purchase with my credit card and found that it was frozen. I called my creditor to ask whether there was a problem or not, and the creditor said that there was abnormal activity regarding my account. They checked the activity with me and concluded that there were two transactions from XX/XX/XXXX that were not mine : one at XXXX 's for XXXX and the other at Home Depot for XXXX. The creditor told me that they would investigate the matter and give me an answer regarding how the matter would be solved. I made another call to my creditor in XXXX to check the status of the matter, however, the creditor had no answer for me. They suggested that I make a police report. I tried to consult with the police, but they told me that they do not handle matters regarding credit card fraud. In XXXX, I made two more phone calls to my creditor to inquire about the matter. They did not disclose any details regarding the investigation and concluded that the two transactions were not credit card fraud and were made by me. They then closed the case. 

Because of the Coronavirus outbreak, my bank was not open and I was unable to make a visit to dispute the matter. I made another phone call to the creditor on XX/XX/XXXX to dispute the decision and they agreed to reopen the case for further investigation. The creditor required me to obtain proof from the two stores at which the transactions were made. Both of the stores stated that they do not accept personal inquiries. 

On XX/XX/XXXX, I received a letter from my creditor. They decided not to acknowledge that the two transactions were not mine, nor did they acknowledge that I was a victim of credit card fraud. 

I have tried many methods to solve this problem. After calling XXXX, I was given your customer service number and called. One of your representatives directed me to your website to make this complaint.
Complaint sub-issue: Investigation took more than 30 days

XXXX XXXX has been harassing me as well as illegally reporting an " Alleged '' credit card in my name with a past due balance. I have taken all steps including filing an ID Theft Report as well as the CFPB. This has been going on since XXXX of 2018 with them continuing to report this credit card on my Equifax credit report under my name and social security number. They have received direction from the South Dakota Attorney General 's Office stating this is an ID Theft incident and are refusing to comply with the Attorney General 's Office directive. They can not provide any contract bearing my signature, they are not licensed to operate in South Dakota and refuse to follow South Dakota Law or Fair Debt Collection Practices Act, and Fair Credit Reporting Act for the past six months.