Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

Hello. 
On XX/XX/XXXX, Equifax released the information about the security breach involving over 143 million Americans, including myself. The fact that now my ssn, birthdate, and other sensitive information was compromised is appalling. Now, I have to worry about my identity being stolen because I am applying for mortgages. Steps have to be taken to remedy this and I am deeply angered that the security is so XXXX that all of our information is compromised. I do not pay taxes to worry about this kind of thing.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I opened an XXXX XXXX credit care for a wash machine. I did research and returned to get the correct washer energy efficient. I was not credited correct. The appliance never shipped. I was told I could not get the proper washer my credit was tied up even though I never received the wrong washer it was cancelled. Citibank N.A. has refused to speak with me and said they can not identify me. I spent two hours at the store this morning. 
I have not slept. I was in tears and Citibank N.A. refused to help me. XXXX XXXX claims they are working with IT to fix the XXXX credit the shorted me to wipe out the cancelled order. I was told the items ship on Tuesday now I have to cancel M.D.  appointments. I have spent all day and night online researching this. I ask the store to call Citibank N.A. back that I was ill and can not keep returning and doing this. I was told to pay XXXX in cent I beleive which I did with ATM card. When I got home I went over the details again and called the store manager and complained that the total first order cancelled was XXXX and only credited XXXX I have suffered severe hardship and this is extremely upsetting. It took me a year to find this place due to ca. housing crises. I have to move from where I lived 18 years in 2014 ill and the place for 3 years did not work out. Like I said it took a year to find this place. I need to rest and get this resolved not treated awful to the point in tears. I do not beleive it is a deliver issues now Citibank later said it take 3 business days to clear up. They gave me the credit card. I can not keep comming back to the home depot. I have medical issues and this is awful mistreatment.
Complaint sub-issue: Their investigation did not fix an error on your report

I have repeatedly disputed these negative items on my report they are still appearing with on my report the credit bureaus have failed to give me proper proof of how theses accounts are mines. the information is misleading and false which is a consumer law violation 15 U.S. Code 1692e.False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section these items have been disputed well over a MONTH AGO WITH NOTICE WITH NO REPLY WITH NO ANSWER
Complaint sub-issue: Information belongs to someone else

These are not my accounts. Please remove them from my credit profile.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting At XXXX XXXX XXXX XXXX  as 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

I AM A VICTIM OF IDENTITY THEFT, MY INFORMATION HAS BEEN COMPROMISED, THERE HAS BEEN SEVERAL ACCOUNT OPENED WITHOUT MY VALIDATION. I AM NOW DEMANDING ALL OF THESE ACCOUNTS BE REMOVED/CLOSED BECAUSE THEY ARE DAMAGING MY BUYING POWER. I AM ASKING FOR THIS MATTER TO BE ESCALATED IMMEDIATELY. IF NOT I WILL FILE A COMPLAINT WITH THE FTC ACCORDING TO THE FTC 1970 AND THE XXXX
Complaint sub-issue: Company closed your account

This Complaint is against Citibank regarding my Costco credit card account that Citibank closed. Citibank issued me a letter informing me they are not reissuing my card due to " a bankruptcy or charge-off on another credit card issued by Citi. XXXX A similar action has also recently been taken against me regarding my Citibank Diamond Preferred card I have had since 1990. I also filed a Complaint regarding that action and account. Citibank representatives indicated to me they have no authority to change this decision. I also have a Citibank Citi Advantage Credit Card about which I can presume a similar action will be taken. I have never been late or missed a payment on my credit cards- the longest of which is 32 years. I also have no history of bankruptcy. Citibank claims it " charged-off '' a Home Depot Credit card in the amount of {$13.00} which I had no knowledge of. I currently have a Home Depot credit card and currently use that card. Apparently, a second card was opened at a XXXX XXXX check-out register to which I had no knowledge of, and which I never used. Citibank continually charged minimum service/interest fees and eventually " charged-off '' an account that had a balance of {$13.00} and again, no charges of mine, as I never used this card. Citibank 's actions are unreasonable and place my credit status and credit report in jeopardy, and moreover, its decision, which seems to be based on computer methodology, is prejudicial and disparately affects long-standing customers like myself with an outstanding Citibank record XXXX and with a history of on-time payments and loyalty.
Complaint sub-issue: Their investigation did not fix an error on your report

On my credit report XXXX XXXX XXXX is reporting a CHARGE OFF. My car was totaled and insurance sent XXXX a full payment. I also had XXXX XXXX which sent a payment to XXXX as well. XXXX sent me many STATEMENTS in the mail showing I owed XXXX dollars and that my payments were UP TO DATE. I made a final payment to XXXX ( the balance owed from gap and insurance ) and the account was closed successfully. I reached out to XXXX and let them know they were incorrectly reporting a charge off, I spoke with XXXX XX/XX/2021 and she said she see in their system that I was never late on payments and a charge off should have never been submitted on my account. She said to report it to the bureaus and they will correct it. I reported to equifax, XXXX, and XXXX  and all of them were unable to fix the error and failed to validate the information. I even submitted the statements showing up to date payments which contradicts the first date of delinquency!
Complaint sub-issue: Investigation took more than 30 days

I have Been trying to work with the credit bureaus to get this account deleted. I have been reading into my rights and I know that if there's errors, that the accounts must be deleted. I have sent them over a dozen letters to try to correct this and get it deleted, and they just keep giving me the runaround. I have already filed a complaint with you before but I am attempting again to see if this time is different. I am requesting for the account to be deleted and have attached a copy of the information being reported as well as my ID since one time they said I had NOT attached it and I have been attaching it and every single letter. 

XXXX XXXX XXXX XXXX )
Complaint sub-issue: Their investigation did not fix an error on your report

This agency XXXX XXXX has been inaccurately reporting different balances to the credit bureaus as well as reporting themselves as an XXXX XXXXXXXX. This misleading information is showing I owe way more than what was agreed on the account. THIS IS A DIRECT VIOLATION of 12 CFR PART 1006 REGULATION F WHICH STATES 1006.18 False, deceptive, or misleading representations or means. ( a ) In general. A debt collector must not use any false, deceptive, or misleading representation or means in connection with the collection of any debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( d ) of this section.

all three bureau have failed in validating this information which is a violation. Federal law 15 U.S. Code Subchapter III CREDIT REPORTING AGENCIES 1681i - Procedure in case of disputed accuracy states 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Complaint sub-issue: Trouble with how payments are being handled

I am filing this formal complaint with your office as well as sent a complaint to the Mohela Ombudsman, and also sending complaints to the SC XXXX XXXX XXXX XXXX, Federal Student Aid, SC XXXX attorney general as well as my congressional representative. 

As of XX/XX/2022, I have reached my one-hundred twentieth ( XXXX ) payment in the Public Service XXXX XXXX XXXX XXXX For more than XXXX ( XXXX ) years and a total of one-hundred XXXX ( XXXX ) payments, I have worked tirelessly to maintain the correct payments, maintain those payments on time, and submitted the correct Forms year after year required to remain in the Public Service XXXX XXXX XXXX XXXX Now, today, on XX/XX/2022, at what should be a celebratory and happy time for me, I have spent over XXXX ( XXXX ) hours on the phone with Mohela representatives trying to get a simple letter indicating the facts stated above : That as of XX/XX/2022, I have reached payment number one-hundred XXXX ( XXXX ), and therefore my loan will be submitted to the Department of Education for XXXX XXXX XXXX However, I am simply being told, " Sorry, it might take up to XXXX ( XXXX ) days for us to even verify your employment, before even submitting your loan. '' Not to mention, they tell you in the most condescending way possible. If Mohela was going to service XXXX loans, they should have been prepared for this very scenario. Not only does it take HOURS to even reach someone on the phone initially, but once you do, they are not at all helpful and couldn't care less. Up until this last leg of my loans, I have been serviced by XXXX XXXX and never once did I have any of these issues. 

The purpose of my request for a formal letter indicating I have reached my one-hundred twentieth ( XXXX ) payment in the Public Service XXXX XXXX XXXX XXXX XXXX because I am in the process of purchasing a new house. This letter will allow the Mortgage underwriter to exclude from my debt ratio the balance of these Federal Loans. Reaching this point in the XXXX XXXX XXXX XXXX XXXX is a milestone that Mohela employees should go out of their way to expedite processing. XXXX XXXX employees take very low-paying jobs all while serving their communities and in some cases, like mine, risking their lives on a daily basis. Instead of being of assistance, Mohela is operating as if they don't want to process these loans for forgiveness. 

I am requesting a response to this complaint. 

XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

Equifax is reporting an account with XXXX XXXX that 's not even suppose to be mine or on my report period. I spoke with XXXX XXXX XXXX and I do not have an account with them
Complaint sub-issue: Information belongs to someone else

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be corrected and deleted. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get deleted immediately : 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: Account information incorrect

I paid off my vehicle loan with State Farm Bank. I did go into collections and whatnot but I paid everything. My car was never repossessed. It never left my possession. But the company reported that the car was repossessed. I filed a dispute through the bank for this error. They stated it was legit even though I never paid any repo fees or the car was never picked up. I am applying for a house and this is seriously hurting my progress.
Complaint sub-issue: Can't get other flexible options for repaying your loan

Account XXXX AES American Education Services I  called when I first starting getting bills from this Company that stopped billing over 5 years ago ; due to my co-signer being in bankruptcy. This caused them to capitalize over {$4000.00} in interest without ever reaching out to me to make payments on this student loan. At this point in time I just had a baby in XXXX 2016 and I have a medical bill and I asked that the {$210.00} payment be modified to half of the {$210.00}. They made me fill out paperwork and it took over 2 months to complete as they do not respond to questions - I sent paperwork via email and via ax and still took over 10 days to process. I think they have customer service issues due to these delays and then they denied request - due to insufficient income ( really ) I told them I needed a modification and I disagreed with the capitalizing of interest with no attempt to contact ME while co-signer was in bankruptcy. I would like the interest that was capitalized reversed and I would like a payment modification for at least the next 12-24 months ; in addition speak to the modification people to understand how this works and why they have such limited abilities to accommodate struggling times.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus last XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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.00}
Complaint sub-issue: Account information incorrect

On XX/XX/XXXX my XXXX/ XXXX  mortgage account number XXXX was refinanced. On XX/XX/XXXX my refinancing company, the closing agent, sent full payment of {$190000.00} to pay off my loan with XXXX. Two weeks later XXXX sent me my escrow check so I thought everything was well. A couple of days later I started to receive mails that I was late on my mortgage mind you I have never been late. I contacted XXXX  XXXX and their representatives told me that my loan was paid in full and that all was well. However the mails about missed payment kept coming. I call XXXX  again and they said maybe that mail was sent before the loan was marked pay off. Now the mails did not stop now they reported miss payments to the credit bureaus decreasing my credit score dramatically down 101 points. I called XXXX and the representative then told me well I see your account pay off but they charged you a late fee of {$35.00}, then she said Ill transfer you to another department. Once transferred I spoke to a man, name XXXX. He looked into it and said he filed a dispute about the false reporting and instructed me to email CBR dispute about the situation and that they would fix it. He also advised me to file a dispute with the credit bureaus which I did. 3 weeks later XXXX reported my account as closed to XXXX  however with a balance of {$190000.00}. They also reported that false information to Equifax. I have proof of the wire transfer to XXXX on XX/XX/XXXX paying off my loan in full. However they keep reporting these false reporting to my credit and ruining my good credit scrore that I have worked hard to keep. When I call them they say one thing and then they report these false report to the bureaus. I also have proof of emails that I have sent to XXXX with no response. I do not know why they are reporting these false reporting of late payments when My account was paid in full.
Complaint sub-issue: Was not notified of investigation status or results

To LexisNexis Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent! THIS IS XXXX!!! I AM SUBMITTIING THIS ON MY OWN BEHALF. I HAVE NO OTHER AUTHORIZED THIRD PARTY! I have reached out in regard to these varies of accounts. These companies have repeatedly broken several of congress laws. These companies have repeatedly invaded my privacy. On XXXX I sent a letter regarding inaccurate and unknown things on credit report. To this day over 45 days later I have not received a response yet. I feel like im being taken advantage of and being taken advantage of and being ignored of my disputes. Section 611 ( a ). it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Complaint sub-issue: Reporting company used your report improperly

My very private and crucial information, such as SSN, Date of Birth, Full Name, Addresses, Credit Card information were stolen and are now floating around somewhere as public information. This causes an unending sense of insecurity and worry due to constant possible identity theft, money stolen, etc. Heavy mental stressed placed on me due to the breach of my security and identity.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I went to look for a car. I asked the dealer if the only ran my credit they said yes only them well they lied and sent my info to many different credit lenders i did not authroize and i contacted each one by mail no repsone and one did  reply and said i applied for a XXXX car and i have never even looked at a XXXX in my life so they also sent false information on my behalf also. It is damaging my credit for these unauthorized inquires on my report. they also did it in two different dates XX/XX/XXXX and XXXX and i didn't Authorize that it was from XXXX imports on XXXX XXXX XXXX Ohio XXXX and list of creditors are 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  twice on there XXXX XXXX XXXX XXXX on there twice XXXX XXXX on there twice
Complaint sub-issue: Account terms

XXXX XXXX reports my Equifax score as XXXX. A lending institution pulled my credit score from Equifax and it came back XXXX. XXXX XXXX told me that different institutions use different models to arrive at a score. Equifax does n't have a means for me to ask them about it. This difference is causing me problems. An explanation or resolution would be helpful.
Complaint sub-issue: Account information incorrect

names dates an addresses are not correct i have no knowledge of some accounts
Complaint sub-issue: Old information reappears or never goes away

I have accounts that I have paid off long ago and still show late payments, and past due, etc.
Complaint sub-issue: Overdrafts and overdraft fees

I have a business checking account at BB & T. On XX/XX/2019, I attempted to deposit a check into my account and I received a message stating that I was over my monthly mobile deposit limit. I was confused because it was the first of the month and I had not deposited any checks since the previous month. I called BB & T and they said that I couldnt deposit checks into business accounts via the mobile app even though I had done that before. 

I was instructed to open a personal account, into which I could deposit checks via the mobile app. I was told that if I opened the account online I would have immediate access, that I could link my personal and business accounts, and immediately be able to transfer money between them. 

On XX/XX/XXXX, I opened my personal account online. Though I successfully opened online, I did not have online access as I had been promised. Because I was traveling in an area where there were no BB & T branches, I could not go into a branch until XX/XX/2019. In the intervening time, my business account became overdrawn. I had the money in my personal account to bring it back into the black, but BB & T could not make the transfer until I went into a branch. During this time, I incurred an astonishing {$320.00} in overdraft fees in my business account because I had no way of transferring money between the two accounts. 

When I went into the branch, I met with XXXX XXXX in XXXX XXXX County, Florida. She investigated the accounts and told me she would link them and that I would have online access in XXXX hours. The online access still never material, I was not able to transfer money and I received an additional {$36.00} overdraft fee. This brought the total to {$360.00} in overdraft fees. 

I had only opened the second account on BB & Ts advice ; I could have had my customer send a bank wire directly into business account in the first week of XXXX to keep the account positive. My TOTAL deposits between the two accounts was always positive. 

I requested a refund and was told they would not refund any of the fees.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/XXXX Equifax said they verified the accuracy of 2 medical bills placed by : XXXX XXXX XXXX XXXX  for XXXX XXXX XXXX XXXX bill amount for {$170.00} from XX/XX/XXXX and is now showing collection of {$320.00} due. I have the statement. 

XXXX  XXXX for XXXX XXXX XXXX XXXX bill amount {$180.00} from XX/XX/XXXX and is now showing collection of {$270.00} due. I have the statement. 

I have offered XXXX XXXX  XXXX ID No. XXXX issue XX/XX/XXXX to supplement my XXXX insurance payments. 

Also my student loans are reporting inaccurately and have refused to be reinvestigated. XXXX XXXX and XXXX are paid as agreed, never late XXXX  and XXXX XXXX Student Loan Forgiveness from the Department of Education Discharge.
Complaint sub-issue: Account status

I have a XXXX balance on my account with XXXX XXXX yet reporting as a negative account. I can not pay XXXX balance
Complaint sub-issue: Frequent or repeated calls

They have called me 5 times a day after I've told them I can't make a payment until I get paid on my pay day. They continue to call 5 times a day.