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

On XX/XX/2018 I tried to make deposit at Citibank ATM at XXXX XXXX XXXX, NY, XXXX. 
Unfortunately I got error message and ATM caught my two checks ( one on {$1200.00}, second on {$1000.00} ) without any deposit on my account. Same day i called customer service and asked about investigation and provisional credit. Two weeks later I got {$2200.00} deposit ( provisional credit ) from Citibank. After two months constant calling to customer service and asking what is status of investigation they told me they can not find second check ( on {$1000.00} ) and they will close the case. I requested to reopen the case and investigate it once again. Three weeks later i received letter they didn't find a check on {$940.00}?????!!. I have no clue from where they got this amount but it wasn't from me, neither from real checks. I called once again a Citibank customer service asked what happened with investigators and investigation, why they are looking for check which doesn't exists. More over I was telling them from beginning how many checks and what is amount of the checks. There was no apology or any intention to resolve a problem. Citibank feels like king. They don't care about customers at all. 
Thank you,
Complaint sub-issue: Billing problem

This account is paid up and no longer delinquent. The creditor is having a hard time providing updated payments and history. I reached out to them but to date they havent updated
Complaint sub-issue: Account status incorrect

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$1800.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$3200.00}
Complaint sub-issue: Transaction was not authorized

My cashapp account was overdrawn by XXXX . I emailed cashapp support and was told it was because a transaction of XXXX $ that I made on XX/XX/21 was being disputed from bank account # XXXX. First issue is that I do not have a bank account ending in # XXXX. The second issue is that when you look back at my transaction history on cashapp, there is not a single transaction posted on my account from XX/XX/21. They refuse to help me solve this issue and they keep trying to debit my bank account for XXXX .
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit reporting Act the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : Account No : 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 BANK XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights 15 USC 1681 section 602 A Section 2 .

States I have a right to privacy 15 USC 1681 section 604 A Section 2 Also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c. ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containg any of the followering items of ingormation.any other adverse items of information other than records of conviction of crimes which antidotes the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable case to belived that the information is inaccurate
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights : XXXX XXXX XXXX  Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # 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.
Complaint sub-issue: Account status incorrect

XXXX   & Equifax Credit Reporting Agencies are r eporting inaccurate credit information on my credit file regarding   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  accounts. Their reporting that my current payment status i s 120plus days pa st due when in fact the account were transferred to another lender and paid. I have filed several disputes with the CRA and have contacted the   XXXX   XXXX   XXXX   XXXX   for the information to be corrected to no avail for the past 3 years.
Complaint sub-issue: Received bad information about your loan

I have been employed continuously with the Government since XX/XX/XXXX and I have had student loan from XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) and FedLoan Servicing. My Non-Direct loans from both XXXX and Fedloan Servicing were consolidated into Direct Consolidation Loans in XX/XX/XXXX and were transferred to Fedloan Servicing. After consolidation the amount were as : Direct Consolidated Loan ( Subsidized ) {$18000.00} Direct Consolidated Loan ( Unsubsidized ) {$21000.00} In addition to the loans above, I had {$13000.00} Direct Student Loan with Fedloans Servicing which I did not consolidate in XX/XX/XXXX, since I have already made some XXXX qualified payments on it and if consolidated, I could lose those qualified payments. 
However, after XX/XX/XXXX, when Education Department announced the XXXX waiver, due to the loosening XXXX qualified payments program, my consolidated loan, became eligible for forgiveness due to its XXXX qualified payments. 
Based on the XXXX waiver program, If I could consolidate all of my loans, my entire student loans ( {$18000.00} + {$21000.00} + {$13000.00} ) could be forgiven. In accordance with the XXXX waiver information on XXXX department website ( Link is shown in the attachment ), the new consolidation loan would be credited with the largest number of payments of the loans that were consolidated. In my case, since I have already made XXXX qualified payments on two of my loans, consolidating the entire student loan, could be given credit of XXXX payments for all of my loans and could make them eligible for forgiveness. 
After I called the Ed Department and got their OK, I consolidated all of my loans ( {$18000.00} + {$21000.00} + {$13000.00} ) in order to get all of my loans forgiven in accordance with the XXXX waiver. 
However, before, my new consolidation get processed by Fedloan Servicing, they sent me a letter stating that some of my student loan was forgiven ( {$18000.00} + {$21000.00} ) and left me with a balance of {$13000.00}. 
And Finally on XX/XX/XXXX, they sent me another notification stating my loans couldnt be consolidated since the two Forgiven loans have a balance of 0. 
I called Fedloan but they kept saying that if they allowed my loans get consolidated, I could lose the qualified payments for the two forgiven student loans. They did not have enough information regarding the new XXXX waiver that Consolidation will NOT reset the XXXX count and it does not matter how many times you consolidate your loans, what matters for the XXXX waiver is if the loan ( before or after consolidation or multiple consolidations ) were in repayment and if you made XXXX payments on the student loans and if you were employed by a qualified employer.
Complaint sub-issue: Their investigation did not fix an error on your report

i XXXX XXXX XXXX XXXX have reported fraud with the credit bureaus XXXX equifax XXXX about my report and information on it. they will not help me with fighting these errors and accounts on my report and to clear them up/ they leave them the same status and will not delete them or change status meaning the accounts that have been paid are still showing derogatory status and hurting my credit score. XXXX XXXX  on my credit file is fraudulent from the XXXX XXXX department of welfare. they frauduaently put XXXX XXXX on my credit report from when my ex wife XXXX  my kids back in 2010 and since have continued to harass me and hinder me from getting any sort of loans or a house due to them lying and siding with my ex wife as well as them signing my name on court documents that is forgery and purgery in a court of law. they know this. ive asked them many times as well the bureaus to remove this as well as disputed it many times and they keep coming back with no change.
Complaint sub-issue: Their investigation did not fix an error on your report

I recently received a copy of my Credit report and see that you are still providing inaccurate information. I previously disputed a Bankruptcy on my credit report and in response you verified the item as accurate stating it was verified with the court. When a consumer files Bankruptcy the document is under federal law not state law. A Bankruptcy in public records can only be used for information purposes only unless the court authorizes. Public court records are available to anyone and may be used for news publications, academic research, and non-profit organizations. They may not however be used for commercial purposes of any nature. Commercial purposes mean selling, giving, or furnishing to others. I have already confirmed with the courthouse and was made aware that the court does not report any information to you or any credit reporting agencies for that matter. I have also enclosed their response for your records. Therefore, your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with : FCRA 611 ( 15 U.S.C. 1681 I ) Privacy Act of 1974 Violation 5 USC 3711 ( e ) Violations Public Records Act Violations Commercial Purpose Declaration 42.56.070 ( 8 ) Conditions of Disclosure Cybersecurity Breaches of Government Computers and the information must be deleted immediately. Thank you for your prompt attention. I look forward to getting this resolved as soon as possible.
Complaint sub-issue: Talked to a third party about my debt

I disputed this bill thru XXXX and XXXX closed and removed and then it was removed from my credit repot effective XX/XX/2017. I thought it was over then Afni picked up an bill that was closed by creditor in the amount of {$1100.00}. Afni then went to contact my entire family. My XXXX year old father. Threatening everyone stating they where from court systems and that an warrant was issued for my arrest. Then they went on to call me after going after my family called me a liar and I asked them to not contact me again.I consider this a defamation of character an would like to see Afni get what they deserve.. I just really want this off my report for good as agreed by XXXX. I wish I could sue Afni. The nerve of them to go back into old closed court records and tell my family I am a criminal while I have lead a productive career.
Complaint sub-issue: Was not notified of investigation status or results

I have filed two rounds of disputes with the credit bureaus and have not received anything from them. How long does this take? They my correct address and email so I not understand why this happening. 
It has been over 5 months and nothing again WHY?????? ... 
How can a person try to fix the credit we cant get he bureau to reply to us. I attached below the disputes. If this does not get me my results I will SUE!!!!!!!
Complaint sub-issue: Problem during payment process

On XX/XX/XXXX of 2021 in good faith I made my payment to XXXX XXXX credit card for the amount of {$40.00} I have use the same bank account for the past year on this particular time there say is they did or verify my account I good faith on XX/XX/XXXX of 2021 I made a payment of {$80.00} I was told the information will not go on my credit report XX/XX/2021 it was showing on my credit report I have ask the credit company to send me a copy of y my payment did not go thru they said no they are not sending me no letter as a consumer I have a right for a copy
Complaint sub-issue: Personal information incorrect

I've been having to file complaints with the XXXX XXXX XXXX for quite a while now could not figure out why my Equifax report was so messed up. I've never been able to sign in when I filed a complaint or want to contact them about status of investigations. They always say that my personal information is wrong well after all these years yesterday I found out that Not only was my birthday wrong they had me living at places I didn't live and I have numerous hard inquiries that dont have anything to do with my requesting authorising or renting anything. Equifax keeps telling me their information is correct and then I need to contact the credit companies that I disagree with. I keep being told to contact equifax. For example XXXX XXXX says when they ran my social security number they have no accounts for me and no inquiries but yet Equifax says I have them. They've been no help. But back to That I found out yesterday I have multiple files that are causing the hard inquiries and weird informations they requested I fax them my driver 's license, social security card, and other identifying information however I don't trust them anymore so I'm using your agency in hopes that they will not use my information improperly. They're misinformation has caused me not to be able to get a decent place to live now I'm living in a neighborhood that is very dangerous and drug-infested, isolated from family and people Ive known all my life because this is the only place I could get with their bad marks. Every time I filed a complaint they want to say that I'm wrong and I will re complain about it and keep complaining and eventually I've gotten some things removed overtime with many headaches and suffered the effects of there low rating of me.
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Balance : {$560.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$560.00} XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem with customer service

FED LOAN SERVICING Hello, I can not reach fed loan servicing for over 2 weeks!! I have been placed on hold for an hour plus at least 4x, I have selected call back when next in line, not one call back and I have emailed 3x! I know they are selling the loans to a new lender but my payments start in XXXX and I have no idea who they are going too, and I have submitted a PSLF form that I'm unsure if they applied correctly. In addition, I have submitted 4 PSLF forms and I received a message from the US department of education that only one has been counted ( which makes no sense as I work for public schools and all have been from public schools, full time ) PLEASE HELP ME!!
Complaint sub-issue: Account status incorrect

XXXX - I paid off my automobile loan in the summer of 2010. I  requested a copy of my credit bureau from XXXX, and to my surprise in the comments section ; Consumer Disputes ( disagrees ). I have tried on numerous occasions to have to removed however, after 8 attempts over the 7years. As a last resort I must contact the CFPB.
Complaint sub-issue: Can't get other flexible options for repaying your loan

FedLoan Servicing has me for a balance of {$200000.00}. I have tried numerous times to get Loan forgiveness as I have been XXXX for the past six years in XXXX XXXX XXXX that are eligible for the loan forgiveness program. I have tried to get my payments reduced based on my income also and each time I get a much higher payment than before. I have both a mortgage and rental expense at this time in order to move closer to work to make a living. I am also a single mother trying to take care of my child. They have now put things on my credit report. I do not know what else to do while I am trying to get it reduced. Can someone help.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I have an AA Citibank Mastercard. I made a reservation in XXXX in XXXX for a XXXX trip. XXXX cancelled our flight. My XXXX  and I could not get to XXXX, then. Our reservation was refundable, as long as we advised the XXXX XXXX at least three ( 3 ) days in advance of our scheduled arrival. We notified the Hotel nearly two months before our arrival of the XXXX cancellation and the fact that we could not get to XXXX. The Hotel refused to credit our card, despite more than a dozen attempts. We contacted our Credit Card company to dispute the charge. The Citibank card gave the Merchant 45 days to respond. They gave us two days to respond. I dropped everything and submitted a four page detailed response. Citibank denied our Disputed Claim. When we called, they said they never received the dispute. I submitted the supporting information to Citibank 's provided email address and received a receipt indicating it was received. We called. Citibank said, oh, okay, we have it. After weeks they denied our dispute and said we need to purse the Hotel directly, which we did for nearly two months, to no avail. I called Citibank and they indicated they could not give us a credit until the Hotel agreed. I do know that is not the process. Citibank clearly was working for the Merchant and not us and we are out more than {$800.00}. We do not believe Citibank followed the law in handling this dispute and further, clearly were not there to protect our interests as their customer, but rather only wanted to help the Merchant we believe, so Citibank could keep its fee. We are outraged that we have a refundable reservation and can not get a refund. We would appreciate your help because after 4 months of fighting this, we are out of options and energy. Thank you very much. XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

On XXXX XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm 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 my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Account terms and changes

I would like to put a freeze on my XXXX year old 's SS #, but the current methods make this unbearably difficult. As I understand it, I have to physically send copies of his birth certificate, SS card, and various other forms of ID for him and me, to each of the XXXX credit bureaus to XXXX find out if there is currently any fraudulent activity on his account. Then, once I receive these in the mail, I have to go through the same process again with all the same attachments, to place the freeze for all XXXX agencies. Luckily I live in GA, and I understand there is no fee for a freeze in my state for children under XXXX, but I am amazed that other states charge, ( per agency? ) for this service. I would like to think that our government could help to protect our children by making the credit freeze process easier for parents to initiate. Even to go as far as to have a simple check box on the SS application form for an infant to request an initial freeze on the account until a child reaches XXXX years of age.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4200.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00},
Complaint sub-issue: Information belongs to someone else

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. Kindly correct or delete the following inaccurate items in my credit file. 
XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX , CA XXXX ; XXXX XXXXXXXX XXXX Balance : {$1200.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$400.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX.