Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: No notice of investigation status/result

I closed my account with XXXX on XX/XX/XXXX. I returned all equipment and the bill was prepaid for a month in advance of the closing date. XXXX said they would prorate the bill and send me the money instead they auto billed my credit card for {$160.00} on XX/XX/XXXX, taking charges for XX/XX/XXXX which was not right because the service was closed. I tried to straight out over phone could not resolve any thing with their foreign call center person in XXXX. In XX/XX/XXXX Disputed their {$160.00} Charge thru XXXX card. 
XXXX investigated and reversed the charges back to XXXX. Did n't hear any thing from XXXX or get any kind of Bill, thought it was done, heard nothing for over a year and they had my forward address and mail was being forwarded for over a year thru XXXX. In XX/XX/XXXX looking at my annual credit report I see a collection agency negative report for {$160.00}. Contacted the XXXX in XXXX XXXX about this. They said it was for non payment to XXXX For {$160.00} told them the story for the last year and this was the first I had heard about it and that XXXX never sent me a final bill. Asked both XXXX and XXXX to send me an itemized bill and tell me what the breakdown of the charges are for because I had paid ahead and returned all the equipment so {$160.00} was an overcharge and I said I would be glad to pay it if they would just tell me what I was paying all this extra money for. Neither company ever sent me an itemized bill and just stated I owed that amount. Then in XX/XX/XXXX I get another letter from a different collection agency called AFNI in XXXX XXXX. They send me a collection letter for the same XXXX debt that XXXX contacted me for {$160.00}. I explain the whole situation to them and tell them XXXX has already put it on my credit report. They ignore my explanation Do NOT send me and itemized bill and then as of XX/XX/XXXX they put another negative collection debt under their name for the same thing on my credit report for {$160.00}. 
I am complaining about these two debt collector 's and XXXX they all refused to acknowledge my request for an itemized bill. They put the same debt on my credit reports twice, six months apart just to further lower my credit score and make it look like I had two bad debts instead of just one. Are this Fair Practices? I 've contacted everyone in writing with explanations : XXXX Billing Complaint department refuses to respond and i know they got it because I certified it. XXXX and AFNI collection companies just keep telling me what its for and do n't do any investigation or answer any of my Questions. I sent them certified letters also. Is this practice fair and legal to me as a consumer just to have XXXX contact a different debt collection agency every six months send me letters for the same thing and keep putting it on my credit report to make it look like I have a whole mess of bad debts? They wo n't even break the bill down for me and tell me what this money is being paid for, their customer service is horrible and inept. Yes I am complaining about all 3 of these companies for unfair practices : XXXX XXXX and AFNI in XXXX XXXX.
Complaint sub-issue: Old information reappears or never goes away

XXXX is incorrectly reporting an account that has passed the 7 year mark. This account is over 8 years old and the other credit bureaus have deleted the account over a year ago but Equifax fails to update credits reports resulting in inaccuracies and causing adverse effects on my ability to obtain credit elsewhere.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act 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 witout my written instructions.
Complaint sub-issue: Account status incorrect

I closed a personal checking account with BB & T in XX/XX/XXXX, and received a letter confirming the account was closed. 
That was the last communication I had with BB & T, until I received a letter in XX/XX/XXXX stating my CLOSED account was past due, and to remit the amount due. 
The letter also stated that this negative status had already been reported to XXXX. 

I telephoned BB & T, and an associate looked over my account status. 
- She saw that the account was closed XX/XX/XXXX. 
- She then noticed a monthly maintenance fee was charged to the ( Closed ) account in XX/XX/XXXX. 
- Further, the overdraft protection feature of the ( Closed ) account paid the incorrect maintenance fee. 
- In subsequent months, the overdraft protection amount was unable to be drawn down to XXXX, since there was no money in the ( Closed ) account. 
- Finally she noted in XX/XX/XXXX that the matter was turned over to the Bank Collections Department. 

Between the letter confirming my account was closed in XX/XX/XXXX, and the letter in XX/XX/XXXX stating the overdue matter had been reported to XXXX, I had received XXXX communications from BB & T. 

As a result of my contacting BB & T in XX/XX/XXXX, they closed my ( Closed ) account, and dismissed the incorrect maintenance fee and overdue fee. 

However, I now need BB & T to remove the negative credit activity from my credit report. 
I submitted a dispute via XXXX, and BB & T simply reported that the account is closed. 

I need BB & T to correct its mistake which it compounded in so many ways, and repair my credit report.
Complaint sub-issue: Didn't receive notice of right to dispute

To CFPB, On XX/XX/2018 we received a notification from XXXX XXXX that a company called XXXX XXXX had placed an account with Equifax for {$230.00} which we thought was strange because we NEVER received any notification from them letting us know of this debt, obviously bogus or else we would have received a notice. As you know I have had XXXX XXXX going on and this type of behavior on the part of Equifax makes it worse as they know that we are supposed to receive notice from anyone claiming we owe them something, its FEDERAL LAW. Now the law has been violated and there WILL be consequences.
Complaint sub-issue: Problem with personal statement of dispute

XXXX continues to report misinformation from XXXXCBNA, XXXX. XXXX XXXX, XXXX XXXX, SD XXXX. I have disputed their information for over two years with XXXX and XXXXCBNA continues to give the credit reporting agency false information. According to XXXX 's report a payment was made to XXXX/CBNA   on XX/XX/XXXX. Any activity by me with this creditor ceased long before that date. I am asking that XXXX/CBNA provide proof of any such activity actual hard copy proof, including a ledger accounting of all payments and dates these alleged transactions occurred. XXXX/CBNA was asked and I am also requesting that they provide confirmation that there was NOT any activity created by my ex-wife, XXXX XXXX, instead of me. I make this statement because my ex-wife had a habit of mishandling my affairs. This may not be the case but XXXXCBNA must prove that I conducted the alleged transactions and not her, because I did not. Without this proof, XXXXCBNA should advise XXXX to immediately remove any information on my credit report. 

This account is NOT listed on either XXXX or XXXX. 

XXXX  was notified, and XXXXCBNA has been notified as well that their false reporting has caused me financial harm and created a negative impact on my personal history. If this false reporting is not corrected not later than XX/XX/XXXX I will pursue all legal means against XXXX and XXXXCBNA to  seek compensation for the harm suffered.
Complaint sub-issue: Account information incorrect

My credit history shows that my final bill for XX/XX/2018 was 30 days late, thus giving me my only negative mark on my credit report. I believe this late payment is not correct as I paid off my loan off during that same month. Im not sure why Volkswagen Credit would give out negative marks to a loyal customer who paid on time every time and paid my loan in full. This company should not be dealt with!
Complaint sub-issue: Debt is not mine

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!
Complaint sub-issue: Information belongs to someone else

I filed a dispute with credit bureaus requesting that inaccurate information be removed from my credit report. It has been beyond 30 days and they have not returned any results or corrected the issues.
Complaint sub-issue: Their investigation did not fix an error on your report

The particular account position that is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain a guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I have made many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and delete it from my personal credit file. Thank you. USBANK XXXX
Complaint sub-issue: Received bad information about your loan

I am currently in school full time, and I will be for some time. I have loans on an Income-Driven Repayment Plan ( IDR ) and Public Service Loan Forgiveness ( PSLF ) and I have loans on in-school deferment. I have submitted numerous deferment waiver forms, and I have sent numerous messages to waive the deferment and make it so the loans never go into deferment. I need all of my loans to be on the IDR/PSLF plan. I also will be applying for a loan soon, and having the loans on deferment hurts me. In previous messages I have been told that the waiver was processed, which it wasn't. I was told in the most recent message that it is not possible to waive in school deferment and that I would have to wait until I am out of school and even wait the grace period, which is utterly and absolutely absurd. Why would an in-school deferment form even exist if it wasn't possible? I am not sure what else I can do to have my request processed.
Complaint sub-issue: No notice of investigation status/result

I disputed incorrect information on my report. They did an investigation. They sent me back a response saying that the information was verified. I sent a request asking fro all information they received to verify the account and I got no response from them. Also after filing my report with you my credit score dropped XXXX points I found this to be very confusing. Noting changed and a drastic drop because I 'm trying to protect myself.
Complaint sub-issue: Information belongs to someone else

These accounts don`t belong to me. Please remove from my credit reporting agencies. Please see beloww the lis of accounts that are reporting derogatory on all 3 credit reporting agencies.
Complaint sub-issue: Debt was result of identity theft

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Complaint sub-issue: Account status incorrect

Carmax Auto Finance reported me 30 days late to credit bureua for the month of XXXX. My payment for XXXX is not due until XXXX XXXX. Although i am 8 days late i should not have been credit reported 30 days to credit bureaus. I am not 30 days late for XXXX payment until on or after XXXX XXXX. I am requesting that the 30 day late mark be removed from credit file and I wlll not pursue further action. I have tried to handle directly with Carmax but was neglected. I have also attached supporting documentation.
Complaint sub-issue: Need information about your loan balance or loan terms

XX/XX/2018 - called XXXX XXXX to check on status of my income-driven repayment plan application. I was telling the man from the department of IBR that I submitted my application on a date different than what he told me and he became rude and short. I told him I understood the system said one date but I knew I had submitted it prior to that. He kept reiterating to me that he was correct and I was wrong. While it seems insignificant, and it largely is, this is not the first time I have had issues with customer service. On a date that I cant recall, I called and the man I spoke with was very demeaning about the questions I had regarding the process of finding out when my loans were due and IBR. 

I have currently been waiting since XXXX for all my loans to be placed on one IBR plan. I submitted my first application in XXXX and was told all my loans were on the same IBR plan. Somehow, they were all removed from that plan and I had to resubmit my application. This time, only part of my loans were placed on the IBR plan and most are not to my understanding today. 

I have been trying to secure a loan for a house and need my billing statements. I have called numerous times and have gotten the same answer, that my bill is not due yet and I have to wait until my IBR plan is approved. My first payment was supposed to be due XX/XX/XXXX, but because of XXXX XXXX delay, my first payment is XX/XX/XXXX, and that is only for part of my loans. While this seems nice for some people, it is hindering my he-buying process and is causing a lot more trouble than good. 

This company has been nothing but slow and unresponsive, not to mention has rude customer service
Complaint sub-issue: Funds not received from closed account

To whom it may concern, I have been banking with Citi Bank for the last past seven years in XXXX California. In XXXX of XXXXXXXX I started to notice fraudulent activity with my account. It was reported to my customer service immediately and was temporarily resolved.After days I found myself locked out of my account password and user name changed. I immediately reported this activity once again, I went through numerous steps to prove my identity in person to secure my account. About a week later I was locked out once again. I was once again told to walk into a branch. On XXXX XXXX I walked in my home branch in XXXX California, I was assisted by the branch manager in which she informed me that customer service advised me to close my old account and open a new account. On and around this time I was also locked out of both my emails in which I informed the bank I think something was wrong. An Appointment was set for XXXX XXXX to open the new account and transfer funds, the opening of the new account was successful. On or around XX/XX/XXXX XXXX I was blocked from using my debit card, I then contacted my bank and to my surprised my new account was scheduled to be closed and I no reason was given, just that i should receive whatever funds in about 60days from closure of the account, and that I was not able to walk into my branch and withdraw my funds. After weeks of investigating I found out that I was a victim of identity theft. I filed a police report with the XXXX XXXX police department as well as an identity theft report with the FTC. I informed my bank of the identity theft in which they asked me to please provide the police report. I was advised to walk the report into a branch. On XX/XX/2022 I walked into my home branch in XXXX California with my Police and FTC report and submitted it. After submitting the report like requested I then called to check the status. I was given a number to Account Takeover in which I was then assigned to an investigator. Upon speaking to this investigator he was very rude, screaming and yelling as if I was at fault. I was under the impression that this issue was close to being resolved after documents were submitted. The investigator was asking me for the exact same documents that I had already submitted on XX/XX/2022. This has been by far the worst experience of my banking life. This has caused a family hardship. Citi bank has yet to resolve this issue.
Complaint sub-issue: Deposits and withdrawals

still no XXXX bonus! Over 4 months. Did what was required to do!! 2nd complaint as CFPB has not done a thing except to say last complaint from 1 month ag is in progress and key bank needs more time!!
Complaint sub-issue: Other problem

I received a series of 3 credits back to my credit card account as a result of a cruise being cancelled ( by XXXX XXXX XXXX XXXX ) due to the pandemic. The total was {$25000.00}. I was unaware that the amount had been deposited in my account as XXXX had given me a XXXX day window for repayment. Unfortunately, XXXX hadn't notified me that the refund had been made. It apparently appeared on my credit card statement on XX/XX/XXXX ; the billing cycle ended XX/XX/XXXX, so I was not notified with that bill. When I finally checked my credit card statement ( around XX/XX/XXXX ), I saw the credits, some of which were used to pay my then current bill. I called and asked the credit card company to send the money to me. They indicated it would be sent to the checking account of mine that they had within 3-5 business days. When I had not received it by then, I contacted them again and was told that it had been submitted for management approval and would be sent 3-5 business days after approval was granted. I do not understand why my money is being held captive to a process whose time is completely controlled by the credit card company ( Citibank ). 
They have had this money for a month. I am hoping that you can prod them to expedite the return of my money.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX US Dept of Education, Fed Loan # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, 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 US Dept of
Complaint sub-issue: Public record

In 2012 I was advise by XXXX XXXX XXXX to stop making my mortgage payment in order to qualify for a short sale. This information was not correct, since I could still be making my payments and apply for the process. Before this, I had a perfect credit. Now for this wrongful advice my credit is hurt.
Complaint sub-issue: Account terms

I am being said to have obtained funds from U.S. Department of Education for {$5000.00} to pay for classes at XXXX University at the XXXX Campus for for the XXXX semester of 2012. 
The dilemma is that i have received notice from XXXX stating that their records indicate i stopped attending the XXXX 2012 semester at XXXX University on XX/XX/2012 for which is the end of the XXXX semester. I withdrew from classes at the end end of the XXXX semester as the notation attached herein as exhibit validates. 
I have contacted U.S. Department of Education at the phone number listed on the credit reports from Equifax, XXXX and XXXX, XXXX, entered my social security number and birth date, and received the message that i have no existing account and a {$XXXX} balance? I the contacted XXXX, WI XXXX, at XXXX, entered my social security number and birth date, and received the same message that i have no existing account and a {$XXXX} balance? This is in sync with the XXXX University notation date XX/XX/2012 that explains that the funds were returned to The U.S. Department of Education. See herein attached as exhibit, but the aforementioned credit bureaus Equifax, XXXX and XXXX have not removed the alleged debt even though The U.S. Department of Education has not provided them nor me with? 1. ) What address the funds came from? 2. ) What the serial # of the alleged check and or checks are? 3. ) Where, as in what bank the money was withdrew from? 4. ) Why does The U.S. Department of Education report that there is a {$XXXX} balance? 
The aforementioned defines that the alleged default of credit should be removed due to the alleged investigation of my dispute being inaccurate, incomplete and or unverifiable. 
The aforementioned has reports filed by said credit bureaus has caused me the consumer significant hardship fro my employer, my landlord, my insures as well as the creditor XXXX, for whom i sought to obtain a business and home loan that was denied due to the erroneous credit reports listed as public record. 
I have forwarded my disputes to The U.S. Department of Education, XXXX, WI XXXX, as well as to XXXX, XXXX, XXXX, WI XXXX, but to no avail, i have not received any of the information i sought to validate the alleged Debt.
Complaint sub-issue: Information is missing that should be on the report

My balances are incorrect my credit age is not reflecting! Reported Bad payment history is incorrect. Im unable to dispute online. This is Seriously hurting my credit as I am a XXXX XXXXXXXX XXXX  Veteran Attempting to purchase a Home.
Complaint sub-issue: Was not notified of investigation status or results

Some time in the beginning XXXX I sent all XXXX bureaus letters of my grievences and disputes I had with how they were reporting my credit and still till this day XXXX have not heard anything back from them. So I am hoping you can help me with this problem cause it really should be deleted because its been over 60days now. Please update me and let me know whats going on, thank you.
Complaint sub-issue: Their investigation did not fix an error on your report

A copy of my credit report I received from Equifax and seen items that was not mine and circle them reporting that they was inaccurate. That is causing a adverse impact on my livelihood. They are reporting inaccurate outdated information address names accounts. 

XXXX. XXXX XXXX ACCOUNT # XXXX XXXX. XXXX  ACCOUNT # XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX  # XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, Sent Equifax on all about XX/XX/2022 notice and a copy of 605B of the Fair Credit Reporting Act. Affidavit of Residence Affidavit of Identity Theft. And Equifax failed to do their job!
Complaint sub-issue: Information belongs to someone else

This is the several times I've complained about being a victim of identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. You must remove/block any accounts that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX Date Opened : XX/XX/2005 Balance : {$14000.00}
Complaint sub-issue: Didn't receive enough information to verify debt

I have been trying to dispute this collection. I attempted to verify debt with company and they only sent a copy of a bill which is not verification, failed to verify debt the amount of XXXX was paid for a totally different bill