Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

I previously sent a dispute letter to the Credit Bureaus and I immediately noticed that the Credit bureaus have done nothing! On XX/XX/2022, I sent a letter to the Credit Bureaus requesting that they remove the items which I believe to be opened due to identity theft, after seeing that there are still fraudulent accounts and information being reported on my Credit File despite the numerous dispute letters and CFPB complaint I have been submitting. I believe I was a victim of Identity theft since the accounts that I have been disputing were not familiar to me neither did I authorized anyone to open these accounts on my behalf. Under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are expected to remove any accounts and information that resulted due to identity theft within the time allotted by law. It is unforgivable for the Credit Bureaus to be ignoring a consumer 's request to remove the disputed accounts from her Credit File. I am submitting this CFPB complaint to let the Credit Bureaus know that me and my legal counsel is willing to file a lawsuit against the Credit Bureaus for their willful non-compliance with a Federal law causing a consumer to suffer from inaccurate information reporting on my Credit File. I also asked the Credit Bureaus to provide me copies of proof of verification since the Credit Bureaus have been claiming that the disputed items are verified and yet they have sent me nothing. I have reached the peak of my patience and this will be my last CFPB complaint before I will take legal actions against the Credit Bureaus. Once again, I am requesting to the Credit Bureaus to remove the following items in which I believe to be opened fraudulently : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Funds not handled or disbursed as instructed

When first opening my account with Citi Bank I opted-out of overdraught protection, Citi Bank saw a demand for payment enter and paid a company i was doing business with, that asked for {$2500.00}, actually i didn't have nearly that much inside my account for that amount and i would have disagreed with that amount that XXXX company was asking, I would have needed to review it with XXXX XXXX. My bank, Citi Bank without asking or without contacting me, claims that they paid the full amount to XXXX Co. I have not seen any documents that Citi really paid XXXX that amount After many attempts I spoke to a representative in recovery dept of XXXX XXXX Car, the Rep told me yes, they had been paid by my bank, I ask the rep to send me a confirmation to my email, what he sent did not confirm it. Now, my checking account sits in a negative for over XXXX and I can't use it to pay my bill and conduct my business.I would have set up a payment plan with XXXX, but was inform the charges was cleared by Citi Bank.i did not write XXXX a check for the last amount, XXXX just used my credit card number to add to original charges, that i should have reviewed before my pay it. Citi Bank committed a negligence and breached the level of care and concern for me as a client.Citi bank 's omission of of a duty to me, to see a suspicious transaction and first report it to me before paying it.since my checking account has never had a single deposit of over XXXX dollars.Before Abitration I want my account cleared because of the delays in me knowing the truth of Citi bank not really having paid XXXX nothing, and it is an obvious conspiracy to omit the use of my checking account. Citi Bank committed a Fraud act against me account and relationship with Bank. XX/XX/2022 beginning date of fraudent negligence. 

Now, Citi Bank
Complaint sub-issue: Trouble getting, activating, or registering a card

I recieve Louisiana unemployment starting XX/XX/XXXX. It is now XX/XX/XXXX and I still have not yet been able to recieve a ReliaCard. I have updated my account through la unemployment And have called over 100 times to fix the address problem. I have funds available on a card I never got and still havent got.
Complaint sub-issue: Can't decrease my monthly payments

I called Sallie Mae to see if they could offer me some sort of loan modification because my student loan payments are too high and I ca n't afford them and the only option that they gave me was forbearance. I do n't want to do forbearance, I want my monthly payment to be affordable.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

MY PERSONAL INFORMATION WAS COMPROMISED AGAIN LAST YEAR AND MY CELL PHONE NUMBER WAS HACEKD AND SPOOFED AND SOMEONE HAS USED MY INFORMATION TO OPEN UP LOANS AND FRAUDULENT ACCOUNTS USING MY SOCIAL SECURITY NUMBER AND I HAVE A POLICE REPORT ALONG WITH MY FTC REPORT TO PROVE THAT I HAVE BEEN A VICTIM OF IDENTITY THEFT THE NEXT STED I WILL BE TAKING IS TO GET MY LAWYERS INVOLVED TO STOP THIS FRAUDULENT ACTIVITY THAT EQUIFAX JUST KEEPS ALLOWING TO TAKE PLACE ON MY CREDIT REPORTS AS THIS IS THE REASON I MY EQUIFAX CREDIT REPORT WILL NOT ALLOW ME TO USE MY CREDIT FOR BUYING A HOME BECAUSE THERE FRAUDULENT ACCOUNTS THAT ARE NOT BEING DELETED AS YOU ARE IN COMPLETE VIOLATION OF 15 U.S. CODE 1681C AND THERE ARE UNAUTHORIZED INQUIRIES ON ALL 3 OF MY CREDIT REPORTS THAT NEED TO BE DELETED IMMEDIATELY 1. 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.
Complaint sub-issue: Frequent or repeated calls

This company ( Macy 's ) calls XXXX 5 times a day. I 've answered and told them I 'll give them their money, but the calls keep coming to the point where it 's interrupting my day. When they say they 'll stop calling, they call me from a different number from a different state. I 've already had to block XXXX different numbers from them. Its getting out of hand.
Complaint sub-issue: Threatened or suggested your credit would be damaged

Me and my husband have received several call from XXXX ( XXXX ) XXXX to try and collect at debt that I believe is false. When asking about the debt the info given was inaccurate. And when asked for their address and license number they refused to provided it. Stating that I didnt need that information. And was told that they would report it and mess up my credit and then when I repeated needing that info before we could move forward the guy on the phone kept trying to antagonize me by stating that Im just never going to pay this debt and that I can just keep avoiding it. Its fine they were extremely unprofessional and unwilling to help even with multiple phone calls back trying to get the info I requested. They could not tell me who the original debt was from. But said it was a loan, when I stated I have never taken a loan out in that amount they stated it wasnt a loan it was a transaction with my bank info. And when I brought up the statue of limitation on collections he said that this debt dose not fall under that category that it was like writing a bad check.
Complaint sub-issue: Was not notified of investigation status or results

I sent in my police report and my FTC affidavit to the XXXX credit bureaus Equifax and XXXX XXXX Fraud department who asked me to send in my fraud package. After sending to them fraud package they have not replied to anything they have not responded and keep showing fraudulent accounts from these collection agencies. They then deleted the fraudulent account only to put in on again without notifying me. I then submitted a challenge dispute and then XXXX accused me of being a third party and or hiring a credit repair company basically insulting my intelligence. The fraudulent account reporting is as follows XXXX  XXXX XXXX Date Opened : XX/XX/2017 XXXX also has has all these names on the file that has nothing to do with me XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX I have done everything in my power to fix this fraudulent information that has caused me great damage and embarrassment also with emotional distress, Deformation of character buy XXXX accusing me of hiring a third party to submit a dispute on my behalf that is completely untrue. Enclosed is the letter I appreciate your prompt attention to this matter, and await your reply.
Complaint sub-issue: Don't agree with the fees charged

I was told by the Federal Student Help, that they would help me to consolidate my student loan at a low monthly fee for a period of 10 years. I had to pay them a fee of {$750.00} only to find out that they sent all my personal information to another company. When I ask this other company how they got my information, I was told either I contacted them or other agency sent them the information. The company that 's now handle my student loan informed me that I did not need to pay anyone for this service it is free to all.
Complaint sub-issue: Information belongs to someone else

My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 
Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debt Account Name : XXXX XXXX XXXX  Account was opened : XXXX Account Number : XXXX Account Balance : {$140.00} Account Name : XXXX XXXXXXXX XXXX Account was opened : XXXX Account Number : XXXX Account Balance : {$110.00}
Complaint sub-issue: Deposits and withdrawals

I have checking and saving accounts with CitiBank for years. I used this account for fund transfer for payment from XXXX XXXX. XX/XX/XXXX, my account was frozen for unknown reason. There was no explanation. I went to a branch to complain. the bank manager worked very hard to call whatever department in the bank to get explanation and address for contacts to retrieve the fund. I had my lawyer written two letters between XXXX and XXXX as there was no response from the contacts. Between XX/XX/XXXX to early XXXX, XXXX, the account was reopen. It was my mistake not to withdraw and close the account due to my trust of the bank. Then I received a letter from Citibank dated XX/XX/XXXX, stating that this is the final Checking Account statement, my Checking Account is now closed. There is no explanation why the account was closed. Where is the total fund of {$17000.00}? Who withdrew this total amount? 
I called the number listed on the letter on XX/XX/XXXX, the response is that a check with my total fund would be mailed to me. I received no response. On XXXX XXXX, I called, the Debit card No. and PIN are not recognized by the system. I wrote a letter to the listed address, demanding refund. So far, there is no response from Citibank.N.A. 
I received a certified mail from the Attorney General of Washington dated XX/XX/XXXX, RE : Order issuing Process for XXXX of $ $ $ $ $ $ $ in Citibank , N.A . Account Ending in # # # # ( my account number. ) XXXX XXXX XXXX XXXX WAshington has ordered the XXXX by the State of WAshington of certain proceeds in the Citibank , N.A . account listed above, as money traceable to or derived from fraudulent claims for unemployment benfits... The seized amount is different than the fund that Citibank had grabbed from me! 
The Citibank has stolen my fund and closed my account. The Citibank has stolen my Identity card for fraudulent use to scam for unemployment benefits. It is criminal acts. I deserve justice and get my money back and at the same time, my name and identity should be cleared. I want this CFPB to take action, this bank needs investigation or closure to protect consumers.
Complaint sub-issue: Account status incorrect

In XX/XX/XXXX I filed chapter XXXX bankruptcy. My accounts filed were mainly medical bills, my XXXX XXXX XXXX and some other miscellaneous debts. As I was going through the bankruptcy process, I was awaiting my XX/XX/XXXX to be surrendered as I searched for a new vehicle. Before my bankruptcy was discharged I was able to purchase a new vehicle. XXXX XXXX XXXX. I have been paying a car note of $XXXX since then (XX/XX/XXXX) to current. While trying to do a trade XX/XX/XXXX at XXXX XXXX I was told that my XXXX XXXX XXXX was filed in bankruptcy. I then denied that information and the sales person stated that none of my payments were reported to the national credit Bureau. I then contacted the bankruptcy office XX/XX/XXXX and that information of my current vehicle was not found. I then contacted XXXX XXXX XXXX On XX/XX/XXXX and they denied not reporting my payments but they are not listed on my credit report. I can provide visuals of my credit report stating this account being in a chapter XXXX bankruptcy that was screenshot from my cell however, I can also provide eligible documents at a later date.
Complaint sub-issue: Investigation took more than 30 days

Contacted creditors & bureaus 60 days ago regarding this issue with reporting inaccurate information on my report. They disregarded me & went against multiple laws one for instance fcra section 609 Now I ask that these accounts that wrongly reporting be removed off my report as soon as possible. I dont know how this happened & it is hindering me a lot mann
Complaint sub-issue: Information belongs to someone else

I found some one used my credit record and open accounts under my name.
Complaint sub-issue: Threatened or suggested your credit would be damaged

XX/XX/2021 XX/XX/2021 XXXX and XX/XX/2021. I contacted AR Resources about this debt. I requested a HIPPA release form with the original signature as well as the Original signature on any MEDICAL bill. AR Resources has yet to send me proof of my original signature or the HIPPA release. AR Resources and the credit reporting agencies are in violation of federal laws. I am requesting that my name and information be deleted from this company. They have placed 9 negative marks and comments.I have also filed disputes with all of the credit reporting agencies including the FTC and XXXX.
Complaint sub-issue: Need information about my balance/terms

I am being billed by Nelnet and XXXX as well.I just had a ChapterXXXX discharged in XX/XX/2017. I think I am being double billed?
Complaint sub-issue: Problem with customer service

I currently owe {$57000.00}, with a past due amount of {$3800.00}. My loan servicer is Nelnet, however, I think the real problem lies with the Department of Education. 

I am willing and able to pay the student loan, however I no longer reside in the United States. I no longer have an American bank account and can not open one. I do not have a credit card in my name, so I can not make payments that way. 

I do have a bank account and can make electronic payments. Nelnet informs me that Department of Education rules forbid them accepting payments from foreign banks. I can not find an appropriate way to lobby the Department of Education for some alternative.
Complaint sub-issue: Account information incorrect

1. XXXX XXXX  Bankruptcy 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX  I wrote to the credit bureaus and requested that they confirm the debt listed on my report. They have replied with the statement that everything has been correctly confirmed. My credit report still contains errors. 15 U.S.C 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 cause to believe that the information is inaccurate.
Complaint sub-issue: Information is missing that should be on the report

Hello, I have 2 companies XXXX XXXX and XXXX XXXX  who have been reporting to my credit report. I have contacted the agencies and they still do not remove the information.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On  XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX    XXXX     XXXX   XXXX    XXXX   XXXX   XXXX   XXXX , Mn  XXXX   XXXX  had  XXXX  inquiries on my credit report and all of these were not authorized by me and if they say they are can you please provide me with a copy of the signed and dated credit application.
Complaint sub-issue: Can't get other flexible options for repaying your loan

I completed the application for an income driven repay plan and submitted it. The info from the federal govt including tax info from the IRS went to AES and XXXX. AES is sending me letters stating they can not process the IDR because the application is not complete. A few months ago, they wanted paystubs I sent them that and they sent me the same letter. Now, they have another application and tax info from the federal govt and they are still sending me the same letter. XXXX processed the same IDR application that AES is claiming they can not process with all the information provided to them.
Complaint sub-issue: Problem with rewards from credit card

I have used a CITI bank XXXX XXXX XXXX  card for the past 35 years. I have used the card because I am XXXX and XXXX. I have to travel with an XXXX The advantage miles allow me to purchase XXXX seats for me and my XXXX 

I have used the card twice in the past 35 years in order to attend XXXX XXXX. I am XXXX XXXX XXXX and can not travel XXXX 

When I contacted the XXXX XXXX service on XX/XX/2021, I was told that XXXX points had been used for a trip to the XXXX in XXXX, 2021. II told them that this was fraud. I have never authorized anyone to use the card and my name is the only name on the account. They put me on HOLD for 77 minutes.
Complaint sub-issue: Was not notified of investigation status or results

I am writing this complaint to the CFPB because I have had a lot of issues with the equifax, XXXX, and XXXX. I have sent several letters to the credit bureaus in regards to violations of fraudulent activity that have been reported to my credit bureau profile. It has been over 30 days and i have not heard anything back in regards to my concerns. By law I should have heard something by now my demand is that all of the violations on my report included in the letters that I will provide be deleted immediately.
Complaint sub-issue: Charged too much interest

I have a Home Depot Credit Card that I pay off fully every month and have not missed any payments or been charged any late fees. I noticed printed in the middle of the statement that " You must pay your promotional balance of {$82.00} in full by XX/XX/20 to avoid paying deferred interest charges '' and another that states " You must pay your promotional balance of {$7.00} in full by XX/XX/20 to avoid paying deferred interest charges '' I called the company and they told me that when I pay my statement the money goes to charges ( revolving credit ) that have not been paid yet ( in the 25 day grace period that have not been billed yet ) and the rest goes towards the promotional balance. The only thing that I can figure is that the grace period is negated if I purchase something over a certain amount. I've told Home Depot it's illegal for them to charge me interest during the 25 day grace  period.
Complaint sub-issue: Other problem

Because I was late once Citibank feels that it has the right to call me everyday at work and at home at least three times a day. This is annoying since I had already pay what was owe for that month. I research this on the Internet and found this is a common practice with Citibank. I will never get another card from them when I pay them off. Isn't it illegal for them to do this if you are not past due? I always resent that they have posted a big past due on my account when I am currently not. What gives Citibank the right to torture people like this! I don't feel that I should have to pay a lawyer to get Citibank off my back!
Complaint sub-issue: Debt is not yours

I sent a debt validation letter to Equifax. I never received any response back. It has been past 45 days. This is a direct violation of the Fair Credit Reporting Act. Also this Medical debt is a direct violation of my privacy which also is a direct violation of the Fair Credit Reporting Act. Please remove account.
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

Company of Greensky, located in XXXX, Georgia has successfully closed the account a amount was rendered as their final process to close the account back on XX/XX/2018. The overall problem was I needed to cancel the contract with a contractor that utilized XXXX XXXX. This had to escalate in XX/XX/2018 involving the Attorney General. The Attorney General was successful in advancing that portion within this financial institution to their legal division. From there over a course of months I was able to collaborate with one of the legal representatives. This legal representative within Greensky on XX/XX/18 determined a amount to close and finalize the concern for the sum of {$520.00} and the same day I obtained from my bank a certified check from XXXX XXXX XXXX and mailed it. In the memo the account number was placed along with " paid in full ''. Greensky has cashed this certified check but continues to say I owe now over {$70.00} in charges. This amount was with one of their legal advisers. Every time you call them its the same thing of over 20-25 minutes wait, your allocated to telemarketer and no one can seem to advance to sending me a account closed, bill paid in full for my credit reporting needs. 

I do not owe them anymore than what their legal representative had me make their check out for. I am asking for a zero balance, account closed letter.
Complaint sub-issue: Information belongs to someone else

This collection was recently removed from my account and then a few days ago equifax added it back. I have contacted the creditor and the creditor states that they no longer have this record it was deleted but somehow Equifax decided to added it again the company even sent me paperwork claiming that the file has been removed. Attached is the erroneous document reporting on my credit profile
Complaint sub-issue: Other problem getting your report or credit score

Equifax sent me an email XX/XX/2019 that my dispute was ready for review online. They emailed me a confirmation number before the 30 days of investigating my account which I feel their results will not be fully investigated as I asked them. So I click the view your results link in the email and put in my information. Then the website says " Sorry for the inconvenience, currently, service is unavailable. Please try again later. '' I wanted to see was it just my account and I feel it is because I asked my friend to do it also under her information but she got through. I believe Equifax is blocking my account on their end so I can not see my results. I called in XX/XX/2019 once again customer service was horrible because they can not answer the consumer questions but these are the people handling our credit report. I am very disappointed with the credit agency and wish they handle business like XXXX. XXXX is still investigating my account and actually doing the job.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/19, I sent a follow up letter to Equifax requesting they re-investigate the verification of a collections account with the company : XXXX/XXXX XXXX XXXX, in which they replied, explaining the account had been verified. In the follow up letter I requested the procedure in which they used to verify the accuracy of the reporting. I asked that they provide me with names, addresses, telephone numbers of each person contacted regarding this alleged account. As well as any documents bearing my signature, showing that I have a legally binding contractual obligation to pay them. I specifically noted that any automated response or XXXX verification would not be accepted. Equifax did not provide me with anything that I requested from their re-investigation. I'm asking that the fraudulent account be removed from my credit report immediately. 

Thank you for your attention in this matter.