Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account information incorrect

I was using XXXXXXXX XXXX for long time and all these period I was on Auto Pay, so I dont bother about payments every month. During last XXXX period, without my knowledge, Auto Pay is removed from my account. Due to this I missed a full payment on XX/XX/XXXX th but on the same billing period I was having a return payment of {$41.00} on XX/XX/XXXX which will offset the minimum payment of {$35.00} for the period XXXX XX/XX/XXXX to XX/XX/XXXX XXXX whose payment due date as per statement is XX/XX/XXXX. After that I missed one payment on XX/XX/XXXX. But I paid the full amount on XX/XX/XXXX as per the statement dated between XX/XX/XXXX to XX/XX/XXXX. This missed payment was reported and my credit score went down from XXXX to XXXX. I think this auto payment is accidentally removed by XXXXXXXX XXXX while doing changes on their online system as I can see a total different look and style between the statements printed from the site before and after XXXX, Also when I check online its missing a XXXX statement. When checked with them about the missing statement, they said its because I have XXXX balance that time. But I have several other statements with XXXX balance. Its very clear that some technical glitch from the company side caused these problem and discover is not ready to accept or admit their fault. I spend hours with them to resolve this issue with no result. The customer care personal who talk to me is coming up with many childish reasons and she said on XX/XX/XXXX I switched my linked Bank account and there was a problem with that switching and so on XX/XX/XXXX my auto pay is cancelled.I dont understand how they took my payment for 9 months even after they claim that there is a problem in linking my account. I need you help to resolve this issue and bring it to light. I am sure that this is not the only case. People always ignore these as they dont have time to go behind this. I may also ignore this, bu I am refinancing my house due to financial difficulty, and every penny counts as we are having difficulty in work due to the covid situation. I have all the statement and docs to prove my claim.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX with a date stamp of XXXX XXXX, 2019. In this letter it states this is an attempt to collect a debt with a balance of {$4500.00} and has a signature as if there was a lawyer, and attached was a full Detailed breakdown of the services that was rendered to me on XXXX. 

XX/XX/2019 I responded with a certified HIPPA violation letter to that facility stating they didn't provide a HIPPA release form to their facility and with the information they provided violated my HIPPA rights.  Shortly after the account was deleted off my credit report and heard nothing else from XXXX XXXX XXXX XXXX XXXX XXXX. 

I received a letter from PMS stating as of XXXX the account was assigned to them for collection. XXXX XXXX XXXX already violated my HIPPA Law rights and turned around and release this debt to another collection agency for collections.
Complaint sub-issue: Didn't receive enough information to verify debt

XX/XX/2019 I was taken to the hospital via ambulance for an XXXX XXXX XXXX I was kept over night. XXXX refused to pay a medical bills. The hospital XXXX liaison failed to secure payment, and a local charity refused to respond. I advised the provider ( s ) in writing more than once that I was attempting to get the bill covered via XXXX and/or charity : neither responded. Every other provider has accepted compromise and settlement of their accounts. The subject company billed me for {$1700.00} ( with an unexplained total of {$2700.00} ) ; apparently referred the account to a collection agency ( PlusFour ) that refused to talk to me because I called and disputed the collection notice. Then I was notified by credit reporting that this company had issued a second collection notice in another amount, squatting on my credit report. They have refused to send complete information, they don't have to talk to me because I contested it. They continue to charge " interest '' on the fraudulent listing on my credit reports. I have sent a letter to the medical provider with a check in offer of full and final settlement. I am XXXX and XXXX where I can, using a friend 's address as a temporary mailing address. The provider hasn't responded or processed the check and the collection agency continues to refuse to correspond with me and provide complete paperwork on what they are trying to collect. The provider is an imaging lab that apparently billed above what the hospital charged which I did not agree to. The agency, PlusFour in XXXX XXXX, Nevada is in violation of FTC and CFPB regulations. I have acted in good faith and the provider and their collector have not.
Complaint sub-issue: Account status

I am disputing incorrect information on my credit report. The credit reporting agency let me log into my account ( using the same information I provided ) and then would not let me dispute it ( using the same information I provided ) because they said it did not match. I entered the information exactly as it appears on my government-issued driver 's license. I do not have a fax to fax them things and am not going to pay to correct THEIR PROBLEM. I get sick of correcting things non-stop on my credit report and want an actual telephone number to speak to a person. I am not going to continually expend resources to correct their problem. Here are the accounts that they are incorrectly reporting:1. XXXXType : Student LoanAccount number : XXXXaccount holder : Individualdate opened : XX/XX/XXXXThis account is paid in full, closed, and has a {$0.00} balance, despite what they are incorrectly showing. You 've been notified, so prove the status is correct or else fix the problem. The end. 
2. XXXXType : student loanAccount number : XXXXAccount holder : Individualdate opened : XX/XX/XXXX. 
This account is paid in full, closed, and has a {$0.00} balance, despite what they are incorrectly showing. You 've been notified, so prove the status is correct or else fix the problem. The end. 
XXXX. XXXXType : student loanaccount number : XXXXAccount holder : IndividualDate opened : XX/XX/XXXXThis account is paid in full, closed, and has a {$0.00} balance, despite what they are incorrectly showing. You 've been notified, so prove the status is correct or else fix the problem. The end. 
XXXX. XXXX XXXXType : student loanAccount number : XXXXAccount holder : IndividualDate opened : XX/XX/XXXX. 
This account is paid in full, closed, and has a {$0.00} balance, despite what they are incorrectly showing. You 've been notified, so prove the status is correct or else fix the problem. The end. 
So I got all of this information from my online Equifax credit report, which they let me see but not dispute. I am not going to spend one dime fixing this problem. I get sick of doing it continually.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day almost 60 days later I have not received a response. I feel as if I am being taken advantage of and my disputes are being ignored. Section 611 ( a ), it states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, and it has been well over 30 days so they should be deleted promptly. I demand these unverified accounts be deleted, and any late payments that cant be verified be removed and the updated to paid as agreed. My information was also impacted by the Equifax data breach.
Complaint sub-issue: Debt was result of identity theft

AFNI have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees ( which I determine ) for taking time to address these violation. Afni has violated the Fair Credit Reporting Act ( FCRA ) and its implementing rule, Regulation V, by furnishing false damaging misleading information on my consumer credit report.

I have sent a affidavit of fact regarding the laws under title 15USC 1692 and 18 U.S. Code 1341 Frauds and swindles AFNI has violated for attempting to collect a debt. I also mailed an Enforcement action, cease and desist and exhibits proving the violations.

AFNIs consent order requires Afni to take certain steps to prevent future violations and imposes a civil money penalty.
Complaint sub-issue: Problem accessing account

I received a letter from the KYC department of Citibank early XXXX requesting me to contact them as early as possible before XX/XX/XXXX otherwise my account will be blocked. I called the given number XXXX -- XXXX on XX/XX/XXXX. It is a call center in XXXX, XXXX. The person I spoke to by name XXXX said all they required from me was to complete a form XXXX. On XX/XX/XXXX, I proceeded to XXXX XXXX XXXX XXXX XXXX, XXXX, CA where an XXXX by name XXXX XXXX completed the form with me and proceeded to log it into their system and sent a copy to the KYC department. He assured me that I had provided the needed information. 

However, on XX/XX/XXXX my bank account was blocked by universal block. All efforts to have my account unblocked have failed. The branch said only XXXX, XXXX KYC can unblock my account because no one in the States can do it. Amazing.
Complaint sub-issue: Can't use card to make purchases

I applied for a discover it credit card I was approved discover then asked for a notarized statement which i faxed and uploaded discover claims they haven't received any documents from me which is a lie
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

XX/XX/2021 Called the MRS BPO at XXXX and advised that I received letter # XXXX. I advised them that the debt was included in chapter XXXX bankruptcy. I advised her that it is against the law to contact me or try to resale the debt. The rep asked my name so I gave it to her. She then said she should I had 2 last names and I advised my name again and the name shown on the letter. She then hung up and when I called back didn't answer.
Complaint sub-issue: Can't close your account

HELLO MY NAME IS XXXX XXXX, THE CITI BANK ALREADY HAS MORE THAN 3 MONTHS THAT IS IN THE PROCESS OF CLOSING MY ACCOUNT, AND IT IS NOT YET CLOSED, THE ACCOUNT HAS {$2000.00} BALANCE AVAILABLE AND THE BANK HAS NOT SENT ME A CHECK WITH THE FUNDS THE DELAY IS TOO LONG THE BANK DOES NOT WANT TO CLOSE THE ACCOUNT AND SEND ME THE CHECK WITH MY FUNDS, PLEASE ACT NOW AND SEND MY CHECK. DEBIT CARD:XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I recently received a response from your company. In regards to my original dispute. In where your company has responded that the account was verified. I sent a follow up letter which lawfully should have been responded within 15 days. That was not the case, instead I received a template letter from your company lacking all of the crucial information I requested from you. Please note, we are preparing legal action against those involved in the illegal reporting of false accounts. We request that you send the evidence requested in our previous XXXX correspondence plus the following in order to help us build our case against the false reporting culprits whether it be the bureaus or furnishers. 
Original signed contract ( Bearing My Signature ) Proof of ownership, the furnishers proof of ownership documents List of all names at your company who were involved in this investigation A clear and detailed explanation of what you have done in regards to my account from the moment the original dispute was filed. 
Please note the intent of this letter is not to intimidate any person or company. But I have been intimidated by the actions your company has taken against me and the way this investigation is being handled. Your actions behind a computer screen have real life consequences. I am unable to gain new credit and am forced to pay higher rates on just about everything because of the information being reported through your company. 
Please provide all of the above evidence required or immediately delete these accounts from my credit report.
Complaint sub-issue: Account information incorrect

On XXXX XXXX XXXX My credit score was increased by 77 points on my XXXX account due to a Balance decrease on my Home loan ( XXXX XXXX ) of {$540.00}. On XX/XX/2021 the same report was filed, a decrease in my Home Loan amount of {$570.00}, however my credit score dropped 55 points. Also, On XX/XX/XXXX an inquiry was removed from my credit report for being two years old. As stated on the report. " their eventual removal doesn't usually have a big impact on credit scores.

Is this removal causing my credit score to plummet 55 points? If this is the case I chose to keep it on my credit history. 

There is no other explanation as to why the decrease in credit reporting on XX/XX/2021. An explanation is warranted and correction if possible.
Complaint sub-issue: Account information incorrect

The Information you provided is incorrect but Ill use the letter you sent to send to the Attorney General to go with my case that was opened. I sent letters to you by certified mail and I sent that documentation to the Attorney General so it shows on record you received the letters I sent you just failed to respond in a timely manner according to the FCRA and the FDCPA. Secondly you continue to send documents to an attorney that I never told you is representing me. They sent letters for me but to file additional charges I chose another law firm. Your letter stated that you received a payment on XXXX, XXXX 2019 which is false because that didnt come from me Ally took a rebate that shouldve been mailed to me. Everything in your letter is false and I have documentation to dispute everything you falsely stated. You continue to mark these letters as a duplicate but I will get this matter resolved legally whether you want to address it or not.
Complaint sub-issue: Account information incorrect

XXXX XXXX is listed on my credit report as " Charge off '' and still reporting a balance of {$410.00} when they have turned it over to collections also ( invoice attached ). I will attach the Negative and false entries from XXXX XXXX and XXXX. It is showing a utilization of 139 %. I will also attach the collection letter from the collection agency that is also wanting to collect. 

In the comment sections of my credit report, XXXX XXXX does not show that they have turned it over to collections, when in fact they have. I have XXXX XXXX trying to collect from me, and I also have XXXX XXXX ( Collection Agency ) trying to collect from me. All of this information on my report from XXXX XXXX is erroneous, and I would like it deleted. I will also attach my certified letter sent I sent to them. Tracking Number XXXX. 

I would like this incorrect item deleted from all three of my credit reports.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/XXXX I submitted a dispute with Equifax to investigate unauthorized inquiries to my report. They failed to provide me with any documentation that the inquiries where legitimate. I want these unauthorized inquiries immediately removed from my account.
Complaint sub-issue: Their investigation did not fix an error on your report

Ive disputed Bankruptcy with XXXX XXXX Equifax and XXXX that doesnt belong to me. Yet they say its verified and to be mine, Ive spoke to the Bankruptcy court and they dont even give this type of information with credit bureaus so how is this being verified. Please remove these items.
Complaint sub-issue: Old information reappears or never goes away

Inaccurate information such as my name spelled incorrectly. Wrong addresses, collections were supposed to be deleted and it's still there.
Complaint sub-issue: Other problem getting your report or credit score

For XXXX, Equifax and XXXX XXXX Correctly reporting individual and total credit limit and balance figures for revolving accounts. 

However, falsely reporting utilization ratios for totals as 100 % when well under 50 %, in turn causing false credit score reporting.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Charge Date : XX/XX/2021 Amounts : {$2500.00} Actions : On XX/XX/2021 I was charged for {$2500.00} again for a purchase that I made on XX/XX/202. This purchase was returned, processed, and refunded by XXXX on XX/XX/XXXX according to XXXX return confirmation and my credit card statement for XX/XX/2021 as attached. I am writing this complaint because 2 weeks after my refund was posted on my credit card statement, I was charged again for the same exact amount of {$250000.00} on XX/XX/2021. I reached out to my credit card bank immediately and submit a dispute. Unfortunately, earlier this week I was told that I am responsible for this 2nd charge by the merchant XXXX and they were unable to help me. I have reached out to XXXX multiple times regarding this 2nd charge for the same exact amount and they have no idea why that happens. 

Below are my attachments for XXXX and XXXX of 2021 respectively credit card statements which are highlighted for the following : 1 ) A purchase of {$2500.00} was made on XX/XX/2021 per XXXX statement 2 ) A refund in the amount of {$2500.00} was posted on XX/XX/XXXX per XXXX Statement 3 ) A second charge for the exact same amount of {$2500.00} was charged and posted on XX/XX/XXXX per XXXX Statement. 
4 ) Email refund confirmation from XXXX on XX/XX/XXXX that {$2500.00} was received, processed, and refunded to consolidate with the XXXX statement.
Complaint sub-issue: Information belongs to someone else

XX/XX/2022, A fraudulent unauthorized hard inquiry from XXXX XXXXXXXX was reported on my equifax Credit report.
Complaint sub-issue: Company closed your account

Citi sent me a letter and fraudulently closed my credit card account that I have had since 2018 stating I was not using the card as intended. I am the original creditor and was using the card as intended and am very XXXX  that the card was shutdown.
Complaint sub-issue: Information belongs to someone else

I noticed recently as I pulled my credit report that there were some accounts that did not belong to me I have reached out to each creditor via phone and I have not got these issues resolved as of yet. These accounts are clearly in violation of my rights so I am seeking reparations for the damage and pain it has caused me and my livelihood.
Complaint sub-issue: Reporting company used your report improperly

In accordance with The Fair credit reporting act the list of accounts below have violated my federal protected consumer rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 Section 602 A It also States a consumer reporting agency can not furnish a account without my written instruction.

15 U.S.C.1681 .c ( a ) ( 5 ) section States no consumer reporting agency may make any consumer report containing any of the following information any other adverse item of information other than records of criminal conviction which antedates the report.
Complaint sub-issue: Information belongs to someone else

I was going over my credit when I saw an account on there that was not mine! This is a huge error or fraud! I'm the only one allowed to use my credit and I haven't gave permission to anyone else. This account does not even have any connection or relationship to any account or transaction that i approved of using my credit!
Complaint sub-issue: Trouble with how payments are being handled

Hello, I hope all is well. I am reaching out because I paid my student loans off in the amount of {$27000.00} on XX/XX/XXXX to Nelnet which bought my balance to {$0.00}. 

Recently there was an announcement that the government was going to do a one-time student loan forgiveness and since my account started with the letter XXXX Nelnet stated that I would qualify. In order to do so, I called Nelnet on XX/XX/XXXX to refund my loans so I then can apply for forgiveness. 

It was approved by Nelnet I believe a few days after however, it was approved by FSA on XXXX XXXX. To my wife and I surprise, both Nelnet and the FSA show that my balance is back on there however my wife called on XX/XX/XXXX to see what the status of the refund is. 

We were told by Nelnet it is still processing. We asked how long would it take to get the refund and they didn't give an answer. They just said it would come by mail. 

I am writing a complaint because Nelnet has not provided me a timeline on when the checks will come. I am also writing this complaint because the Department of Education, nor the Department of Treasury has provided Nelnet a timeline of when the checks will come. 

If someone could help me get those checks as soon as possible or provide a status of when the checks will come would be great because the student loans start back up in XXXX and being as though I only agreed to a refund because I qualified for the student loan forgiveness, which is not happening indefinitely due to the court order I would like to use those checks to pay Nelnet as soon as they clear so that the balance goes back to {$0.00}. This would tie me up financially if I don't have the checks soon because I will then have to pay with INTEREST starting in XXXX. 

Things that I would like to accomplish during this complaint : Department of Education : Confirm that they sent the approval to the Department of Treasury so they can send me my refund. If they did not do this, I would like them to send the approval to the Department of Treasury as soon as possible. 

Department of Treasury : If the Department of Education sent the approval over to them, I would like to know what date they will be sending the checks and if they completed already what date did they send the checks so I can look out for them. If they have not gotten approval from the Department of Education I would like someone to call them to get the status of the approval and work with them to get it completed. 

Nelnet : I would like for them to provide an email stating that they see the check information on their end and to keep me up to date on what is going on. Saying that everything is processing is not helpful and this is a large sum of money that I can't afford to now be paying interest on. I would also like for them to work with the Department of Education and the Department of Treasury to make sure this issue is resolved as soon as possible including initiating the conversation and process if both departments ( Education and Treasury ) are not doing it. 

Thanks!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have contacted Equifax numerous times about inquiries on my credit report from dealerships that I didnt authorize to my credit report today I view my credit report and I have 249 inquiries.. Im very upset about this and Im requesting a one time dispute on these inquiries