Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Was not notified of investigation status or results

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, d

eposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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: Deposits and withdrawals

On XX/XX/2020 Citibank put a block on my account and insisted on replacing my debit card. They assured me that the block would be removed once I activated the new debit card. The new card arrived, I activated it but they did not remove the block on my account. I called customer service and asked them to please remove the block from my account and they then changed their story and insisted that I needed to open a new account. I informed them that I already had another account with Citibank but they still refused to allow me access to my funds. I called upwards of 15 times and each time I was either hung up on or given the run around. We are in the middle of a pandemic and my family is struggling financially. Denying access to needed funds for no apparent reason is unethical and morally wrong.
Complaint sub-issue: Information belongs to someone else

I AM A VICTIM OF IDENTY THEFT. SOMEONE STOLE MY INFORMATION. PLEASE INVESTIGATE THESE FRAUDULENT ACCOUNTS AND REMOVE THEM FROM MY CREDIT REPORT.
Complaint sub-issue: Account status incorrect

Equifax ; XXXX  and XXXX should not be reporting a collection/chargeoff in the amount of {$3400.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report ; a copy of the settlement letter, along with a copy of my Drivers License and Utility Bill for identification purposes. ) This account was settled and needs to report a {$0.00} balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of a collection/chargeoff is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020 I sent out letters to all XXXX bureau. 
60 days later no response. Im sending out my second set of letters 60 days later. This is a violation of my rights as the FTC would state. Please remove all unverifiable information off my credit reports or I will file for litigation.
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

According to Regulation Z ( Thruth in Lending Act ) my rights as a consumer have been violated. Regulation Z indicates that the banking institution in this case Citibank must send a notice of changes in the terms of the account 45 days before this applies to credit cards, revolving accounts, Heloc, etc. This institution reduced 2 credit cards without any notice as stated by Thruth in Lending Act (  TILA ) 45 days before so the client decides to evaluate the change and decide whether to keep the account or cancel it, Citibank carried out an illegal or discriminatory practice. This had an adverse effect on my credit. 

Accounts that did not comply with Regulation Z. 
XXXX XXXX XXXX XXXX From XXXX it was reduced to XXXX, lowering my score since when I did this practice without prior notice 45 days before as stated in the regulatory requirements of a 50 % increase to 99 % of use of the credit, the same happened with the XXXX XXXX XXXX XXXX of {$1500.00} which was the credit limit they lowered it without notice to {$900.00}. I hope I resolved this crass error because I will climb to the last consequences. XX/XX/XXXX THE EMPLOYEE ATTEND ME XXXX XXXX BALANCE NOW {$990.00} PREVIOUS LIMIT {$2000.00} NOW LIMIT {$1000.00}. FOR THE STATEMENT OF XX/XX/XXXX ( XX/XX/XXXX TO XX/XX/XXXX ) I REALIZED THAT CITIBANK HAD REDUCED MY CREDIT FROM {$1500.00} To {$900.00}. I DID NO RECEIVE ANY NOTIFICATION AND BEFORE MAKING THIS COMPLAINT, CALL CUSTOMER SERVICES XXXX XXXX # EMPLOYEE # XXXX. THEY SAY THAT THEY DO NOT KNOW THE REASONS
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. 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. 
It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

XXXX is my finance company.The very first day I got the car I tried explaining to XXXX ( sales person ), and the guy in finance that the mileage was all wrong. The vehicle was showing a little over XXXX  miles on the dash board but my paper work was showing only XXXX. During the first of week of having this vehicle every bump I hit the all the lights would go off on the car, the head, tail, brakes and dash board. The mechanics asked to keep the car over night and that they was going to drive it home and so they did and they gave me a loaner. They tried keeping my car for a few nights. I was told to pick up the car so I did. A block away the lights all wet out again so I took the car back and when I got up there they all was very mad. So I had been calling XXXX ( the manager ), for a week so he approaches me by calling me and I told him not to approach me like that. So him and I got into a huge argument and he called the police on me and told them that he wanted me arrested. The officer told him to give me my car. XXXX told me that they was not going to honor the warranty that I had because I was never allowed back on the lot. So they would not take the warranty off my contract. I was on my way to XXXX to visit my mom when all my lights went out again.I paid out of pocket over {$800.00} to have the car towed back to Georgia. I paid over XXXX to have my car rewired. and paid my car note. Soon after that my brother passed away who was not in any life insurance so me and my family had to come up with the money for his funeral and burial.
So, I was speaking with a rep from XXXX who had agreed to allow me to make a payment and the other payments would go in the rear and they would adjust my account for the XXXX that I had to pay. About a week after our agreement she no longer worked there and the company would not honor the agreement that she had made with me. Just a few months afterwards they put on my credit that I owed them {$21000.00}, it was discharged and repoed. The problem is is that they never repoed my car. I tried to get another vehicle but I could not because of the repo on my credit. About two weeks ago I was at XXXX and my XXXX year old grand daughter was sleeping in the car and the repo man had hooked his truck up to my car and my granddaughter started blowing the horn. I called the police and the police came and told them to give me my car but my grand daughter had to get out the car before they let it down. They had towed the car a few feet with my grand daughter in it, The name of the company that towed the car with my grand daughter in it is XXXX, XXXX XXXX and her phone number is XXXX. My reference number is XXXX. She called me today and said that XXXX hired them to repo the car. Both of these companies has violated me. XXXX should have never put repo on my credit because they never repo the car and XXXX should have never towed the car a few feet away because my grand daughter was in the car. I have filed bankruptcy.
Complaint sub-issue: Company closed your account

XX/XX/2019 XXXX  XXXX XXXX XXXX was closed due to the COVID 19 pandemic flu virus I was not able to pay may bills I dispute it but no action is being done
Complaint sub-issue: Problem with personal statement of dispute

I apologize in advance if this complaint is out of your scope of action, but I am frustrated. I reached out to AES in regards to my sons student loan that I am a cosigner on. I explained to them via a " direct credit dispute form '' that they furnished where I explained that I take my credit very seriously and pride myself on not having any derogatory marks on my credit report and that AES has always been paid " on time '' for many years now. In XX/XX/XXXX when I was paying bills electronically as usual and on time something went wrong either on my part or with my bank but none of my transactions posted even though I had thought they had. It was n't until I received a late notice that I realized none of my bill pays posted. I immediately paid all payments that did not post thinking everything was alright and current. I asked that AES look at my payment history and/or any of our other student loans and it should be evident that this clearly was some type of glitch and I requested a " goodwill '' gesture to have the negative mark they placed on my credit report removed. I only contacted AES because none of the other three student loan companies had a problem with the XX/XX/XXXX issue. AES did respond to me stating only that it is their responsibility to report accurate information and that nothing will be done. I do n't feel based on my credit history that this was very fair on AES part and I am hopeful that you can assist in my dilemma. On my sons side he is almost XXXX and is a struggling XXXX where with so many graduates defaulting on their loans you would think a student loan company would be more understanding of graduates that are paying their debts back for XXXX. I hope you can help and thank you!
Complaint sub-issue: Can't close your account

Hi, On XX/XX/2021, I called in to close my US Bank XXXX XXXX Credit Card account. I was told by a representative that, that department was busy at the moment, so she could assist. She took some information and claimed that she had put in for it to be closed. In addition I sent in a request via fax with my signature, as double-confirmation that I wish for the account to be closed. As of this morning, the account is still fully open. I have dealt with other similar banks, that choose to utilize manual processes for credit card closure, rather than making the process electronic, and every time the bank has kept the card open despite numerous requests for closure. I do not have confidence that US Bank will close my credit card in a timely manner, and thus am filing a CFPB complaint to force them by law to do so. I do not want this account, and need for them to process the closure immediately.
Complaint sub-issue: Account information incorrect

hello there were a fe account on my credit report that I submitted and investigation for and they fell off my credit report. They appeared on my report again without any notice. According to section 611 of the FCRA 'the information may to be reinserted in the file by the consumer reporting agencies unless the person who in furnishing the information certifies the information is complete and accurate ' The FCRA also states 'consumer agencies shall notify the consume of the reinsertion in writing not later than 5 business days after reinsertion I have listed the accounts they reinserted below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Problem during payment process

Citibank Visa Costco anywhere card. 
Trying to move all of our monthly purchases over to this card for the rewards and while on vacation XXXX XXXX-XXXX  XXXX  they put a hold on the payment so our balance was at {$0.00} but also our available credit is at {$0.00}. 
So while on vacation ( Why the card was opened in the first place-Costco vacation ) we were not able to use the card or the money that we had sent over for the balance payment. 
How is this legal? 
And if it is... it shouldn't be!! 
XX/XX/XXXX XXXX spoke to my bank ( XXXX XXXX ) who said the payment clear the next day and funds were in Citibank account also said that not paying the balance sounded extremely sketchy. 
XX/XX/XXXX XXXXspoke to Citibank they said the card credit would be available to use again on XX/XX/2021. 
XX/XX/XXXX XXXX called Citibank again spoke to a manager gave me the same XXXX... I said are you sure there is nothing you can do? I'm about to send a complaint to the CFPB and probably Costco as well, Nope, he assured me my balance had been paid, which does nothing for me as the consumer who no longer has the cash in my account and does not have access to the credit on the card either. 

Going forward this week we have set up about 5-6 payments to be taken from this card till the end of the month and now they will all bounce.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX ( Removed and re-inserted, violated F.C.R.A. law ) Reported : XXXX XXXX, 2021 {$300.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... account was settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation
Complaint sub-issue: Can't get other flexible options for repaying your loan

i have over {$100.00}, XXXX of student loan debt. The subserviceer of this asks for certain paperwork from Social Security. I am on permanent XXXX. I provided that information to them and they stated it was wrong. I called back and they stated it was on the form requested and had all of the necessary information and I qualified and they should not even need the form but it was provided to me to forward as a courtesey. They got a form from my pracitioner who maintains my health and they would not accept that information either. i don't know what to do. I have been on XXXX permanently since 2009. I am not getting anywhere and can not pay this I get {$800.00} a month that is all. I don't work because I can't not because I don't want to.
Complaint sub-issue: Other problem

Discover card would not help me with a merchant contractor XXXX XXXX who overcharge my discover card for {$1100.00}. The original charges should have equaled {$6000.00} for a roof extension and they broke the charges up by putting my discover card account number on their computer system and charged my account totally {$7100.00}. This was a capitol improvement so there was not tax charged on the project. The company refused to finish the job also leaving bent poles, garbage in the yard, and not installing the soffits that was part of the job. They also opened the walls and left asbestos exposed and they would not seal it up. They also left sharp pieces of metal hanging on the wall randomly down the roofing area dangling. The merchant did not file the permits to do the job, so I am also stuck with issues of getting a Certificate of Occupancy for the job. They are legally responsible and led me to believe that they did their job but they did not.

I asked discover to step in since I am protected from services performed that are charged on my credit card. I asked them to dispute the original down payment of {$1500.00} so that I could hire someone to finish the job and try to work out permits for the CO. XXXX XXXX  stole {$1100.00} from my Discover account and never finished the job. 

I thought I was being fair by asking for {$1500.00}. I could have disputed the whole amount. The work they did is subpar, and they stole money from me. The extra money was unwarranted and not authorized. 

This has been going on since XXXX of XXXX and Discover card rejected my dispute and wont even take the stolen money back from XXXX XXXX. They told me the only way they would refund me is if XXXX XXXX authorized giving me back the money they stole from me. 

I am asking for your help because Discover is protecting this merchant and not my rights. 

It is a shame because I opened my Discover account in XXXX 32 years ago and they would protect one of their merchants over my right under the rules for unsatisfied service clause in the credit laws of XXXX.
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/2020, credit cards and one debit card were stolen from my wallet at XXXX XXXX XXXX in XXXX, VA XXXX between XXXX and XXXX. One of the cards included - Citibank Double Cash card XXXX XXXX XXXX XXXX. There were 2 charges that were charged on my credit card 1. XXXX XXXX # XXXX for {$2000.00} 2. XXXX XXXX  # XXXX for XXXX I called in and reported the card stolen around XXXX on the same day. I was told that an investigator will call up to get further details. 

A case was filed with XXXX County Police Department ( Case # XXXX  XXXX XXXX ) on the same day ( XX/XX/2020 ). 

After a week of charges showing up and No call from an investigator, I called up on Sunday ( XX/XX/XXXX ). I was told that investigator will call me up on Monday ( XX/XX/XXXX ). I called them up again on XX/XX/XXXX that I did not receive a call and what was going on. 

Most credit cards issue immediate credit. I was told by XXXX the representative that no one is even working on my case. It is in a line and it will be worked after all cases received before me are worked on. I gave her the police case number and additional details. I was told it will take 1-2 billing cycle to resolve the case. When asked for credit so i dont have to pay late charges or interest, i was told it is not the policy to do that and citibank does not issue credits anymore because people are reporting false frauds. Also, I do not have to pay the charges that are disputed. I asked for any document that says I have disputed the charges for my records. She said they do not do that. Their legal department has not issued a template for that. So what is my record - I have none except for my voice conversations. When I said what if interest is charged on the unpaid amount - the answer was it will be adjusted later. When i asked for a supervisor, i was told the line is closed and they will call me within 24-48 hours
Complaint sub-issue: Information belongs to someone else

XXXX WAYFAIR IS REPORTING SOMEONE ELSE 'S ACCOUNT ON MY CREDIT> I DIDNT OPEN AN ACCOUNT WITH XXXX WAYFAIR< NOR DID I AUTHORIZE ANYONE TO DO SO ON MY BEHALF. I LEARNED OF THE ACCOUNT 'S existence when my mortgage company informed me that I have a derogatory reporting. I am very vigilant about paying my bills on time, and I know for a fact this account doesn't belong to me. Please see the attached FTC report and my driver license and remove it from my credit
Complaint sub-issue: Debt was result of identity theft

In accordance with the Fair Credit Reporting act. The list of account below have violated my federal protection consumer right to privacy and confidential under 15 USC 1681. XXXX  account # XXXXhas violated my rights XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX inquiry has Violated my rights XXXX  XXXX XXXX bankruptcy has violated my right 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 Its also stated consumer reporting agency without my written instruction
Complaint sub-issue: Old information reappears or never goes away

XXXX AND INNOVIS  IS UNLAWFULLY REPORTING XXXX XXXX/XXXX XXXX TRADELINE LOAN NO.XXXX, SOL EXPIRED ON XX/XX/XXXX, 1ST DELINQUECY XX/XX/XXXX.
Complaint sub-issue: Investigation took more than 30 days

I still can't login to my Equifax online account. Equifax still hasn't email or called me no resolution was done. What is happening with my account and credit file??? 

I opened several complaints already on this issue : XXXX XXXX XXXX
Complaint sub-issue: Information is not mine

I wrote a letter about a Frudlent account that says I 'm a Authorized User, I never gave permission to anyone to add me to any account. I have asked Equifax to remove and they have not. I have written XXXX letters The XXXX companies that have me as Authorized Users Are 1.XXXX XXXX ( Authorized User ) Fraud 2.XXXX ( Authorized User ) Fraud 3. XXXX XXXX ( Authorized User ) Fraud I NEVER GAVE PERMISSION TO BE ADDED TO ANYONE ACCOUNT I ALSO WAS LIVING OUT OF THE COUNTRY FOR OVER # YRS WHEN THIS HAPPEN.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX   XXXX    2017  faxed letter to Equifax requesting removal of bankruptcy and tax lien on credit file as  I  was not aware of the source of their information on the bankruptcy and judgement. I received a response dated   XXXX   XXXX ,2017  that  XXXX   XXXX  reported the information as discharged and that  Case  number  /   XXXX   XXXX   XXXX   XXXX   XXXX   is currently not reporting on the Equifax  credit  file in which I do not have knowledge of what that case is.   On   XXXX   XXXX  2017    I sent a reinvestigation request with a letter from Michiga n Federal Court stating they do not supply information or validate information with the  credit bureau 's. Equifax replied with the same information stating that  XXXX   XXXX  has verified the information with the courts.
Complaint sub-issue: Information belongs to someone else

Unauthorized inquiries from XXXX XXXX XX/XX/2022.