Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

I RECENTLY APPLIED FOR RESIDENCY AND HAD MY CREDIT RAN WHEN I DISCOVERED IVE BEEN A VICTIM OF IDENTITY THEFT, THESE FRAUDULENT ACCOUNTS, COLLECTIONS AND INQUIRIES WERE FOUND ON MY CREDIT REPORT, ACCOUNTS - XXXX XXXX  XXXX XXXX ACCOUNT NUMBER - XXXX, XXXX XXXX XXXX XXXX - ACCOUNT NUMBER - XXXX. COLLECTION - XXXX XXXX XXXX, INVESTIGATIVE XXXX INQUIRIES - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, XXXX, XXXX XXXX. ID LIKE THIS INFORMATION TO BE BLOCKED AND PERMENATELY REMOVED FROM MY CREDIT REPORT.
Complaint sub-issue: Problem using a debit or ATM card

There were multiple fraudulent charges that were being charged from my card that I was completely unaware of until I noticed my account had significantly started to decrease very quickly. I had submitted the disputes with PNC bank thinking it was going to be handled appropriately but instead in less than 10n days, I had received no correspondence from them by telephone, mail OR email which they have the information to all three where they could've contacted me to get more info or however they needed me to cooperate. My claims have all been denied and I SERIOUSLY doubt that they were able to properly investigate over {$20000.00} in a matter of 9 ( business ) days to come to a decision that the claims will be denied. Again, I have yet to receive any correspondence from them nor have I received my new debit card in the mail thats been well over 10 business days. I submitted these disputes on XX/XX/2021 and was told the claims were denied on XX/XX/XXXX and ONLY knew that because I was the one that had to reach out.
Complaint sub-issue: Other problem

This problem is with a Discover credit card. I received a statement on XX/XX/2020 that WAS DUE ON XX/XX/2020 ( 4 days after the payment due date ). While this is not a problem for me since it is set for automatic payment it is well past the date that it is required to arrive. This may be the result of an error by Discover or a delay due to the U.S. postal service. I can, however, see this late delivery being a serious problem for several XXXX ( or possibly several XXXX ) people that would be charged late payment fees and additional interest for their particular credit cards. I am unsure if any part of the government can help prevent this problem from happening to others but certainly all credit card issuers should be appraised of this situation and urged to waive any additional fees and interest when this happens to others.
Complaint sub-issue: Card was charged for something you did not purchase with the card

Citi bank continues to let charges go through for a merchant that has already been blocked on a previous dispute. They made me close my account due to the original complaint and sent out a new card. The same merchant was then allowed to charge my new account for some reason. I had to close the account again, and get a new card again. On XX/XX/18 the same merchant was allowed to charge my account again! This is the third card this merchant is allowed to continue charging on my account and Citi continue to provide them with my information. How is this legal for a credit card company to give my new information to a merchant without my consent. Calling Citi card for any assistance is nightmare. It takes multiple transfers from rep to rep because the people answering phones refuse to listen or do any critical thinking, and instead follow a flow chart and script. Today I spent XXXX minutes on the phone only to get nowhere because of the same problem that the representatives don't listen.
Complaint sub-issue: Other problem

Citigroup has recently enacted practices that directly violate the civil rights of millions of law abiding Americans.
Complaint sub-issue: Trouble with how payments are handled

As of XXXX/XXXX/2016 all of my students loans were paid off at Sallie Mae. Currently, I have an overpayment balance of {$1300.00} that Sallie Mae owes me. They do NOT provide an email service to answer questions ... Every time I call I can either not get a person ( only automated ) or I ca n't get through ( put on hold for around 30 minutes twice already ). My interest rate was also sickening on all loans. This company should be shut down for the way they treat people trying to make a better life for themselves.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASEUPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDITREPORT : 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: You told them to stop contacting you, but they keep trying

This is a follow up complaint to XXXX-XXXX, in which 1 ) NPAS, working on behalf of XXXX XXXX XXXX, claims I never revoked TCPA consent and 2 ) XXXX XXXX XXXX, collecting on behalf of XXXX XXXX XXXX   contacting me illegally with an auto-dialer. I am writing to share additional information and to contradict inaccurate statements in the company responses. 

I have a recording of my conversation with NPAS on XX/XX/18 where I unequivocally revoked TCPA consent. Here is a transcript : Agent - " Do you give us permission to contact you on your cell phone using the automated dialing system or pre-recorded voice for future inquiries? '' Me - " No. '' Agent - " OK. '' This TCPA revocation was reasonable and valid, yet was not documented across my accounts with NPAS which, at the time, were accounts ending in XXXX and XXXX. The representative did not ask if my revocation was subject to one account or the other, yet a future representative notified me on XX/XX/XXXX that I had to call in separately for each account. My inclination, which I fully intend to prove through discovery, is that NPAS was managing and collecting on both accounts, but XXXX XXXX XXXX spelled my name incorrectly on one. That is the reason why they did not notate the account. 

When account XXXX was recalled from their office by XXXX XXXX XXXX and placed with XXXX XXXX XXXX, NPAS 's failure to honor my revocation resulted in me being contacted illegally by XXXX XXXX XXXX via autodialer on XX/XX/2018.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my Credit Report I noticed that there are still accounts that are reporting erroneous and incorrect information.I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the accounts needs a proper action to assure maximum possible accuracy on my credit file. Hence, I am asking for another investigation. 
XXXX OF XXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXX XXXX : {$55000.00}.
Complaint sub-issue: Information belongs to someone else

I pulled my credit report and I noticed that I had several name spellings and addresses that were unknown or inaccurate it may belong to a relative but not me I also haven't used my XXXX last name since 2019 so all accounts of those are fraud, I will provide legal documentation of my name change. I also noticed that medical bills on there that I didn't give permission to release my health information I am a truck driver than can be detrimental to my employment. I am listing all the information below in this paragraph MULITPLE NAME SPELLINGS 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  THE PHONE NUMBERS ARE HIGHLIGHTED ON THE REPORT THAT NEED TO BE REMOVED AND ALL OTHER INFORMATION UNKNOWN TO ME NEEDS TO BE REMOVED AS WELL I HAVE PROVIDED THE NAME CHANGE LEGAL DOCUMENT TO UPDATE MY PERSONAL INFORMATION
Complaint sub-issue: Contacted your employer

In XX/XX/2018 I started to get repeated phone calls in such a short period of time from the same number registered out of XXXX, Minnesota. Many times, the calls would total 4 in a 15 minute period. I figured it was a telemarketer. Throughout the month and into XX/XX/XXXX, the same pattern every other day. Soon after, the messages where asking to call back the number and ask for XXXX XXXX ( aliases ). Last week, I return to my office from lunch and there are repeated messages from the operator via the messaging center alerting me that a XXXX XXXX is attempting to call you and has called several times, " please advise ''. I call the number left and asked who are you and why do you keep calling. He stated " I will ask the questions and let 's start by your last four of social security. I said don't ever call here again. He laughed and said " grow up ''. He then hung up and called back.
Complaint sub-issue: Was not notified of investigation status or results

I have sent investigation and dispute letters on the following dates : XX/XX/21 XX/XX/21 XX/XX/21 XX/XX/21 Not only have they not performed any investigation into these items like I requested, but they have not sent me any investigation results by mail. This is a DIRECT VIOLATION OF MY RIGHTS! I have tried to be nice, and respectful, but the bureaus have ignored my requests to investigate these accounts that are reporting incorrect information on my credit reports. The following items should be removed from reporting to my file immediately because they have not investigated them in the time allowed by the FCRA laws.
Complaint sub-issue: Account information incorrect

XXXX  I have sent several letters, the last one more than 90 days ago, to XXXX requesting them to delete an account that is not mine, and they have not.
Complaint sub-issue: Right to dispute notice not received

I never received any notice that money was owed to my apartment complex to begin with OR the collection agency they sent the debt to. Until several months later when I checked my credit score online and it showed I owed money. When I called the agency they said they did not say why money was owed and the apartment complex could n't help me either. I 'm not just going to pay that amount of money for something I 'm not even sure what it 's for.
Complaint sub-issue: You never received your bill or did not know a payment was due

I opened the account and set up automatic payments at the time of transfer. However, I just found out that there was a missed payment somehow and when I tried to access my online account their system was saying that they were having a technical difficulty and to try again. I tried again 5 times. Then I called to make the payment manually and the guy on the phone disregarded my caution that their online system isnt working and followed through with the payment. I then put my account on auto pay with him over the phone like I did the first time I signed up for the card. I still have no access to online account and it is on some weird loop that never lets me into the actual account. The small balance overdue of XXXX has been paid. I also discussed that I never got a call or email regarding the missing payment method and there wasnt much said about that either. Not sure how this happened but would like to get it squared away so that I do not have a missed payment on my report
Complaint sub-issue: Company closed your account

I am self employed. Always had money in my banking acct. My dad just had a XXXX and i was helping my mother financially. My balance was too low and was waiting for a client to pay me. By then my bills that that are on auto pay started withdrawaling from my acct and started to receive insufficient funds. I just deposited money to my acct to get back on track. When trying to use my debit card it was declined. Calling the bank told me that my acct has been closed. Trying to resolve this issue they said there is nothing i can do. I told them why did the ATM take my deposit if my acct is closed. Doesn't make any sense. I told them who can i talk to. They said no one. That i have to wait XXXX XXXX days. I told them i have no money because i just deposited it in the ATM. This is very stressful now. Just because of some over draft fees. When they see that my acct always had funds and still has funds. I need help with this matter..
Complaint sub-issue: Their investigation did not fix an error on your report

This is my second time doing this because you guys didn't believe It was me. I am submitting some documents with this to prove that this is me reaching out to you because these companies have violated the law and I humbly am seeking justice. XXXX and XXXX a whole month and some change apart. If you read my letters I specifically asked according to the way the US supreme court cases have been handled and these companies violated over and over again and so I am now reaching out to you guys for the hope of future achievement.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

In XXXX I made a purchase of shoes ( sandals ) via the internet. They are expensive, cost around {$100.00} but great for people with bad backs and knees, they have extra cushion. What I received were cheap plastic sandals. I tried over weeks to resolve the matter with the merchant. The merchant wants me to make an additional purchase for which they will give me a discount. First I can't afford to make another purchase and second I don't trust them. The merchant has tried everything to stop me from returning the merchandise. I paid to have it shipped to me they should pay to take it back. Every time I make a better offer to them to return they add more difficulty including saying that they would not be able to resell the item. I finally filed a dispute. My dispute was declined because I was still in possession of the item. I provided ample evidence that I tried to work with the merchant. The merchant even shut down the web link to my purchase and their website to which I also provided evident to the credit card company.
Complaint sub-issue: Can't get flexible payment options

My loans were dismissed when I was determined to be  XXXX  due to   XXXX   XXXX   in  2013.  I ended up going back to work before three years and my loan was reinstated immediately and payments were due with interest. I was talked into a deferment/forbearance due to not having an income for several months. The interest that my loan received is astonishing. I am still trying to catch up from being off work during  XXXX    XXXX   and it is almost impossible to pay back {$60000.00} in loans. I only received an  XXXX   XXXX !
Complaint sub-issue: Old information reappears or never goes away

These credit companies are messing with people 's scores one minute they're certain number and then the next they've dropped XXXX points all of a sudden this is crazy people are trying to get ahead and can't because the credit companies our joke
Complaint sub-issue: Their investigation did not fix an error on your report

I WOULD LIKE TO KNOW THE REASONS AS TO WHY THE NEGATIVE REPORTING ACCOUNT FOR XXXX XXXX ( XXXX ) IS STILL REPORTING AS AN UNPAID CHARGE-OFF ON EQUIFAX, XXXX  AND XXXX. WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/2019, WITH NO RESPONSE, NOR SUCCESS FROM EQUIFAX, XXXX  OR XXXX. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAS TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.
Complaint sub-issue: Was not notified of investigation status or results

Hi This is XXXX XXXX, I have sent you a dispute letter XX/XX/2021, but to this day, over XXXX months have passed but I still have not heard anything from you. I am attaching the same letter for you to see and you may wan na check your records. I need this messed to be removed from my report so please do investigate them and delete if you can not provide me proof the support those claims. I will check with you after XXXX days, Thank you!
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

company continues to pursuit a debt that was discharged in bankruptcy court.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account numberXXXX, 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

I had submitted this information a couple of months ago. These are not my debts, nor do I have a contract with any of them. Please refrain from these companies reporting to my credit report as it's hindering me from attaining a house loan. Again, these are not my accounts so please remove them.
Complaint sub-issue: Received bad information about your loan

I notified Netnet in XX/XX/XXXX that I was entering into Chapter XXXX bankruptcy. My lawyer also included Nelnet in bankruptcy. Per Nelnet Legal Department and website account my student loans will deferred to XX/XX/XXXX. My bankruptcy was completed in XX/XX/XXXX. Nelnet took the deferment off my account after the bankruptcy ended. I did notknow the deferment was removed from my account and Nelnet near sent me a statement for payment. I ran a credit report and I noticed that Nelnet had reactivated my account. My credit report states I have 5 late payment accounts with Nelnet. I called Nelnet to see what was go on with my account and I was told my payments restarted when the bankruptcy ended. Since I paid my bankruptcy off before XX/XX/XXXX my account was reactivated before the estimated date of XX/XX/XXXX. I have since be consistent with my Nelnet payment plan. I wrote Nelnet a Goodwill letter asking for these late payments be removed from my credit report due to I would have not been late will payments if I was notified the accounts were reactivated.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Unauthorized credit report accessed
Complaint sub-issue: Didn't receive enough information to verify debt

On XX/XX/18 I received a bill from IC System for XXXX XXXX. I sent a letter of validation on XX/XX/18 and to date, they have not responded, which is over XXXX days. This company has also listed this amount owed with my wireless carrier. Until this is removed, I am not able to make any kind of payment arrangements, upgrades or obtain them for internet.
Complaint sub-issue: Company closed your account

In an attempt to pay off charges related to an  XXXX  vacation, I went online  to Citi Card  and attempt to pay online. On  XXXX   XXXX , I noticed that the funds had n't left my account. I discovered I accidentally used a misnamed account  XXXX  both accounts were named  XXXX  bu t one was pointing  to my   XXXX   XXXX   XXXX   account ). Therefore the payment bounced ... but the funds showed available on m y Citi online  account.     I called customer service on  XXXX   XXXX  to try to resolve the issue ( because the account showed a  XXXX  balance, I was unable to resubmit the payment with the correct bank account. The representative assured me th at Citi card wo uld not try to retrieve the funds gain because it was not an automated account. I would be able to make the correct payment when the account cycles. I removed the offending bank account from my payment options to avoid any further issues.     A few  XXXX   XXXX ,  Citibank again tried  to remove the funds from my bank account, contrary to what the representative said. Through out all of this, I was constantly paying any charges that came up from my use of the card before I realized the issue.     On  XXXX   XXXX , the balance showed on my account and I was able to pay the full balance using the correct account. Days later I noticed my available credit w as 0. I contacted customer support and was informed that my card was being cancelled for 2 bounced payments. ( truthfully it was only submitted once ... they attempted twice. ) I explained the situation to three levels of support. As it turns out, the initial rep I spoke to never recorded the issue I had with my bank on my account. I explained everything again, and the   gentleman said he would submit it to the appropriate department.     The response I received was the payment issues were not due to a bank error and thus the card will be closed. I never claimed it was a ban error ... it was my error ... an error I did my best to correct through the constraints imposed by their automated systems, I 'm in the process of bettering m y FICO scores and t he loss of {$4000.00} in available credit is a big step backwards in this en-devour. Through it all, I was never allowed to talk with anyone that could have helped me fix what had gone wrong.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There is an unauthorized inquiry made by XXXX, XXXX XXXX XXXX, XXXX XXXX MD XXXX. Made several phone calls and filed and official dispute. Advised to call to creditor who has no record of inquiry. Bureaus refuses to remove inquiry.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$300.00}, {$2500.00}, {$3000.00}, {$2000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2500.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

4. XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account.