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

For over 3 years I have been trying to get Citibank to determine what happened to an IRA distribution. It I am the executor of the account and one of the beneficiaries on the account. This problem has existed since my mother was alive and the account was transferred from my late fathers account. All I get is run around and people with less knowledge of IRA 's than me. I have been told that I need to close the account to find the money that they can not find. In the mean time they made 2 additional distributions. They claim that they found the XXXX  and XXXX but not the XXXX distribution that they did not bother to look for ; however, I have not received any written notice of this. I have also been told that they will deposit the missing monies into the account that they wish to close. They also refuse to change the account number as the mail is going to an address that we no longer live at. It has taken 2 years to get the account into my moms name from my deceased dad as they keep on loosing the paperwork that was dropped of at their office and it was finally repaired before she passed away, but not the address. I have made at least 12 calls about this and each time I get an employee with less knowledge and all in the IRA department are not willing to do their jobs and find it and most do not return phone calls but claim that they will in 24 to 48 hours. At this time I am not even sure if this goes back further,
Complaint sub-issue: Account status incorrect

I contacted NCD about the account still showing on my report and was told to contact the Credit bureau. I then contacted the credit bureau and was told to contact NCD. I spoke with the manager @ NCD who was very helpful of closing the account and paid in full.
Complaint sub-issue: Information belongs to someone else

CFPB, Back about 18 years ago I was at sea and I was a victim of identity theft. I caught this when I returned from sea and after about 8 months I was able to clear up this incident with the help of my local police in the town of XXXX, XXXX. I have been a resident here since XXXX, the identity theft happened in XXXX. They used my information to apply for CC and other accounts but instead of using my correct address and employer ( XXXX XXXX ), they use XXXX, XXXX and XXXX XXXX XXXX in XXXX, XXXX. Eventually, after at least a dozen credit denials, a mistake was made by either XXXX, XXXX, or XXXX  approved one of the credit applications an thus updated my records to show I worked at XXXX in XXXX and lived in some abandoned house in XXXX, XXXX. Neither of this information was true and even though I had a police report about the identity theft, they would still would address my claims to correct their mistake. 
All attempt thru these agencies to try to remove this fraudulent information have gone unanswered all these years. 
I eventual gave up trying to get them to address their mistakes but thought after visiting this website, I would give it a try again.
Complaint sub-issue: Debt is not yours

Co sign for auto Loan was not aware loan not already approve XXXX XXXX allow over 10 company to run my credit which result in Hard inquiry on my credit Bureau I did not authorize XXXX  XXXX to allow inquiry
Complaint sub-issue: Account terms

ON XXXX XXXX EQUIFAX UPDATED MY REPORT WITH THE INCORRECT INFORMATION THAT WAS SENT TO THEM FROM Consumer finance Protection Bureau in reference to my account with XXXX XXXX XXXX. 
The account was opened on XXXX XXXX, 2014 with XXXX XXXX XXXX and the contract was provided. Equifax ignored the contract that was provided to them stating that the contract was opened on XXXX XXXX 2014. They stated to Equifax that the contract was opened on XXXX XXXX 2014 which is incorrect. The account was then closed with XXXX XXXX XXXX in XXXX XXXX, 2014 and refinanced by XXXX XXXX XXXX XXXX they Sent XXXX a check for XXXX which the check that was cashed by XXXX XXXX XXXX A copy of the check was attached. Also XXXX failed to let them know they cashed the for XXXX A check for that was also provided. XXXX has continued to provide incorrect information several times stating that they did not cash a check for this vehicle in that amount which is totally incorrect the checks were cashed at their bank in Texas. Equifax is the only credit bureau that is giving me problems XXXX has updated my report and found out that my information was correct from the documentation received by me with the actual contract and fixed my report in good standing for this account. This is my third time disputing this with Equifax and they are stating that I am not providing the documentation which is incorrect I will attach a copy of the contract and the checks that were cashed again. By Equifax not correcting this information they are impacting my credit report and every credit report is suppose to match.
Complaint sub-issue: Information belongs to someone else

Ive requested for you to provide me with an original contract along with several documents for the account you claim that I owe. Its been more than 60 days and I havent received any mail on the erroneous account you claim that I owe. This is my third attempt to reach you. I am sending this as an internal dispute and an affidavit. I have been a victim of the credit breach and the fraud. I have been living at this address for over a decade. The account listed under The XXXX XXXX XXXX. Equifax and XXXX  removed the erroneous information on their ends and you continue to disobey the law. I am unaware of this account and I seek to claim fees of {$5000.00} for damages youve caused my credit file and erroneous information you continuously report. I am disputing the following account The XXXX XXXX XXXX and unauthorized inquiries 1. XXXX XXXX 2.  XXXX XXXX
Complaint sub-issue: Card was charged for something you did not purchase with the card

My US Bank Cash Rewards card and my XXXX credit card were compromised. The fraud investigation departments have completed the investigation and concluded that I authorized the transactions I reported as fraud. This is completely unacceptable and incorrect. Both accounts were closed at my request. Now both companies are reporting to all 3 credit bureaus that my accounts are charged off as ( bad debt ).
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX  XXXX  XXXX  Acct # XXXX, XXXX  XXXX  XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX, CA XXXX XXXX Acct # 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: Information belongs to someone else

It has been found out that you are not REMOVING items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. 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 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: Information belongs to someone else

These are not my accounts or inquires.
Complaint sub-issue: Debt was paid

Hi I submitted the payment to Klarna the other day to resolve the issue. I wasnt aware it was sent to a debt collector and they took my money for that payment already.
Complaint sub-issue: Information belongs to someone else

My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. DEPTEDXXXX XXXX {$6000.00} DEPTEDXXXX   XXXX {$3000.00} DEPTEDXXXX XXXX {$6000.00} XXXX XXXX {$4500.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1000.00} DEPTEDXXXX XXXX {$2200.00} XXXX XXXX   XXXX
Complaint sub-issue: Account information incorrect

I have a XXXX XXXX XXXX credit card that I paid-off in two payments, one for {$300.00} on XX/XX/2020 and for {$21.00} on XXXX. For some reason, the bank had a billing issue and XXXXXXXX XXXX XXXX can not verify the {$300.00} dollar payment. For that the bank decided to label my account as delinquency due to no payment received and later as charge off. 
First, they never send me a letter or notice to clarify the billing problem even when I paid off, I already probe it, they had the obligation to contact me to resolve this matter. Second, they should not just label and report to the credit bureaus my account as charge-off, that hits my credit score and credit liability ; this can not be a change off because, if the {$300.00} payment was returned -not the case- I made a second payment for {$21.00} dollars leaving the account in good standing. 
This is not confusing, the account received both payments on time and is XXXX balance, can not be a charge-off because it doesnt fit on the criteria to label an account as collection/charge off, such as delinquency and period of time without payments. 
I tired to resolve this issue with XXXXXXXX XXXX XXXX  several times but every time that I try the representatives get confuse and do not provide a real solution. I requested an investigation, in one call they told me a investigation was opened and in a different call they told me they can not open a investigation if I dont send bank statements to confirm the {$300.00} payment was made, in a different call they said they already made an investigation but not providing any results. I am tired of this and the worst is that the charge-off is hurting my credit score ; I am about to close escrow to purchase a home, this can prevent me to close it and losing thousands of dollars in home deposit.
Complaint sub-issue: Can't get other flexible options for repaying your loan

This is the eight ( 8th ) time I have submitted the exact same question. I have not received a competent response. I have even been told that my request is a duplicate. IT IS NOT. 

ISSUE : Whether XXXX XXXX XXXX XXXX XXXX XXXX ( ERS ) a 501 ( c ) ( 6 ) non-profit qualifies under Public Service Loan Forgiveness ( PSLF )? 

ERS is a 501 ( c ) ( 6 ) not a 501 ( c ) ( 3 ) non-profit. All the responses have ignored that simple fact. 

It was previously determined that ERS provides " public safety ''. One response stated that it was not it's " primary purpose ''. In light of COVID ERS been determined to be an " essential service ''. Public Safety is the essence of ERS. 

I have filed a Freedom of Information Act request revealed that no list exists for what 501 ( c ) ( 6 ) employers qualify. See attached.

Every response does not address the issue of WHAT IS THE STANDARD. I have been told to get ERS to complete the PSLF form but it only lists 501 ( c ) ( 3 ) status as a qualifier. The 10th anniversary for PSLF was XXXX and it has been a disaster. No one will make establish a standard that can be applied. 



Your complaints COMPLAINT ID PRIMARY CONSUMER PRODUCT AND ISSUE CONSUMER-IDENTIFIED COMPANY SUBMITTED STATUS XXXX XXXX XXXX Federal student loan Struggling to repay your loan FEDLOAN SERVICING XX/XX/XXXX Closed Feedback provided XXXX XXXX XXXX Federal student loan Struggling to repay your loan FEDLOAN.GOV XX/XX/XXXX Closed Marked as a duplicate complaint on XX/XX/XXXX XXXX XXXX XXXX Federal student loan Struggling to repay your loan FedLoan.gov XX/XX/XXXX Closed Feedback provided XXXX XXXX XXXX Federal student loan Struggling to repay your loan Fed Loan XX/XX/XXXX Closed Feedback provided XXXX XXXX XXXX Federal student loan Struggling to repay your loan FEDLOAN SERVICING XX/XX/XXXX Closed Feedback provided XXXX XXXX XXXX Federal student loan Struggling to repay your loan FEDLOAN SERVICING XX/XX/XXXX Closed Feedback provided XXXX XXXX XXXX Federal student loan Dealing with your lender or servicer FEDLOAN SERVICING XX/XX/XXXX Closed Company responded XXXX XXXX XXXX Federal student loan Struggling to repay your loan FEDLOAN SERVICING XX/XX/XXXX Closed Company responded
Complaint sub-issue: Information belongs to someone else

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked, deleted, and removed. My request to block is not being made in error ; nor is my request to block being made on the basis of a material representation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

Thank You
Complaint sub-issue: Their investigation did not fix an error on your report

I have attempted on four occasions to dispute a bankruptcy that is being reported on my credit report. I attempted on the following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and each time the credit bureaus will report that the information on my credit report regarding bankruptcy is accurate and correct. Each time the credit bureaus will not give me evidence that the information is accurate and correct. I am asking that the bankruptcy be deleted because the information is inaccurate and correct. When I contacted the court, I was informed that they did not send any information to any credit bureaus therefore I would like to know where the information come from that is being reported on my credit report.
Complaint sub-issue: Problem with fees

Our company signed up for a Citibank backed Home Depot Revolving Credit Card, and the card was provided to us to use.  We have discovered that Citibank is charging roughly a 10% minimum payment every month.   Most credit cards only charge 1-3% minimum payment due.   There was no disclosure of this minimum payment rate during the application process, there was no disclosure of this minimum payment rate in the mail once the card was activated.  The web site on both Citibank and Home Depot have NO DISCLOSURE of the minimum payment requirement due anywhere, not even in the credit card disclosure statement , or the current application process.   Now we are forced to pay a minimum payment which is very high and not provided prior to using and accepting the card.   Furthermore the actual credit card bill statement every month fails to adhere to the CARD ACT and does not list the account balance along with the way the minimum payment is calculated and does not include the amount of time it would take for the balance to be paid off as required by the CARD ACT 2009. Each credit card company has its own minimum payment policy however it must be disclosed.  The minimum-payment policies for Citibank for this card is simply not.  Upon contacting the bank they refuse to adjust the minimum payment rate to the industry standard and have threaten to make report any late payments to the credit agencies if these very high minimum payments which were never disclosed, are not paid.  This is fraud and I believe illegal practice.
Complaint sub-issue: Information belongs to someone else

I looked at my credit report recently and found a few fraudulent accounts. I have done everything suggested and they still haven't came off. Please help me
Complaint sub-issue: Reporting company used your report improperly

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. Account Name : XXXX  XXXX  Account Number : XXXX XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation 2. Account Name : XXXX XXXX  XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S. C1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 3. Account Name : XXXX XXXX Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation Sincerely, XXXX XXXX
Complaint sub-issue: Can't decrease my monthly payments

I am not making enough to pay my loan every month. They are unwilling to work with me to lower the payment. 
I went to XXXX College in XXXX, NC
Complaint sub-issue: Information belongs to someone else

Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Complaint sub-issue: Account status incorrect

Equifax Information Services LLC XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX/XXXX XXXX XXXXXXXX XXXX/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX/XXXX XXXX XXXX XXXXXXXX/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX/XXXX XXXX  XXXX XXXX/XXXX XXXX XXXX    XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

i have file two different disputes one on XX/XX/2020 the other on XX/XX/2020. still have not received anything from the credit bureaus. i understand with the covid19 things are not normal, but i still should have received reports
Complaint sub-issue: Information belongs to someone else

I have disputed the student loan account with the credit bureau for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal..This is the account XXXX XXXX XXXX XXXX which is reported 9 times on my credit report which is absolutely ridiculous
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

I HAVE CONTINUIOULY BEEN PURSUING THE 2 TRANSACTIONS SINCE XX/XX/2020. I KEEP GETTING TRANSFERRED, HUNG UP ON, OR THE REPRESENITIVES REFUSES TO GIVE ME THE PHONE NUMBER FOR CARDHOLDER SERVICES " BANK & RISK OPERATIONS ''. 

I FILED A DISPUTE AND THEY SUBPOSEDLY DID AN INVESTIGATION THEY SENT ME THE RESULTS OF THEIR INVESTIGATION AND STATED '' NO FRAUD ''. 

THIS IS COMPLETELY IMPOSSIBLE I DID NOT MAKE THESE CHARGES AND THE PLACE WHERE THE CHARGES ARE FROM 1/ FL XXXX XXXX XXXX RENTER/CONDO XXXX RENTERS/CONDO AMOUNT $ {$130.00} 2. PA XXXX VIA XXXX XXXX XXXX XXXX XXXX AMOUNT {$94.00} i CONTACTED BOTH BUSINESSES AND THEY CAN NOT FIND ANY TRANSACTION WITH MY RELIA CARD # THESE ARE UNAUTHORIZED ACH DEBIT BOTH TYRANSACTIONS DONE XX/XX/2020 THIS COMPANY DOSE NOT HELP ANYONE ESPECIALLY LIKE MYSELF WHO IS A VICTIM OF IDENTITY THEFT. 
THE ONLY NUMBER IS A FAX # XXXX XXXX cARDHOLDER SERVICES RELIACARD
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX has removed incorrect entry the report and the three major bureaus refuse to remove it from my report. I have long suffered from this willful violation of my section 604 rights for my fair credit reporting rights.
Complaint sub-issue: Information is not mine

Wrong information in order to steal identity found on report