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

I'm requesting that XXXX XXXX  XXXX remove the 30 day & 60 day and 90 day late payments for XX/XX/XXXX & XX/XX/XXXX and XX/XX/XXXX from my credit reports on XXXX, Equifax, XXXX  and any other reporting agencies. XXXX and XX/XX/XXXX mortgages payments are in Deferment. XX/XX/XXXX mortgage payment was made on time as reported on my XXXX credit report. 
From XX/XX/XXXX my XXXX XXXX  XXXX  XXXX  was hit hard by XXXX XXXX. My clients are restaurants and bars. They too were devastated by Covid 19 because they were forced to close. My revenue plummeted. By the end of XX/XX/XXXX I exhausted all of my savings. 
I requested a Forbearance for the XXXX and XXXX payments because of the negative effects of the virus and was approved on XX/XX/XXXX. In XX/XX/XXXX XXXX XXXX  XXXX posted a 30 day & 60 day late payments on my credit reports. On XX/XX/XXXX i wrote XXXX and requested the late payments be removed due to the negative effects of Covid 19. XXXX denied my request, stating that I didn't say specifically " XXXX XXXX " was the reason for my request for Forbearance and that I had a prior late payment. 
The 2 late payments are negatively affecting my ability to acquire new contracts and credit which will grow my business revenue. On XX/XX/XXXX XXXX  XXXX  Servicing added a late payment for XX/XX/XXXX on my Equifax credit report, My Equifax is now reporting a 90 day late. This is an error, i made the XX/XX/XXXX payment on time. 
I'm determined to make my mortgage payments. I made 9 consecutive payments starting XX/XX/XXXX. It wasn't easy. I had to beg and borrow money from friends and family. I took out high interest rate payday loans and took on odd jobs to ensure that I made the mortgage payments. Due to the late payments I am no longer able to borrow money to help me pay the mortgage. I'm at the end of my rope. I'm trying my very best to avoid Bankruptcy. 
I ask that XXXX take in consideration the 9 consecutive mortgage payments and remove the 30 day & 60 day and 90 day lates from all of the reporting agencies. This will allow me to obtain new contracts and credit. My revenue will increase and I will be able to Honor My Commitment With XXXX  XXXX XXXX. Thank You For Your Consideration And Your Help.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

My complaint is against Citi Bank concerning my credit cards ending in XXXX and XXXX. 

On or about XX/XX/XXXX I received a package at my door that I wasnt expecting. It was a lap top computer from a company in XXXX OH, XXXX XXXX XXXX. I called them to ask why and discovered my credit card ending in XXXX from CITI Bank had been hacked ( I still had the card itself ). 

After checking my account on line I found that several purchases from that company had been made. The charges are as follows : ( see attached file XXXX ) XX/XX/XXXX {$520.00} XX/XX/XXXX {$520.00} XX/XX/XXXX {$520.00} XX/XX/XXXX {$510.00} XX/XX/XXXX I paid for all the charges I made to the card {$610.00}, in fact I accidently paid it twice. CITI did refund that duplicate payment. CITI closed that card out and sent me a new card ending in XXXX ( I have never activated this card ). I returned the lap top I received to the shipper and got a credit to my account from them and CITI gave me credit for the others. At this point all is good. 

But Then : Citi put one of the charges from XXXX XXXX back on my account with the explanation that ; they gave me credit and the shipper gave me credit duplicating a credit. But, that never happened. There was no duplication I was charged for four lap tops, fraudulently and credited, three from CITY and one from XXXX XXXX ( See attachment file XXXX ). 

To add insult to injury they accepted a charge to XXXX after it was reported stolen. They have after much hassle credited that. ( see attachment file XXXX ) Currently : There is {$510.00} on my account plus late fees that they refuse to take off. 
I have called about 15 times and talked to numerous people in various departments even being told things like oh I see what has happened we will fix it, " I ll make sure and fix that and call back '', " send you an email '', etc. never got that first call back or email. 

A few weeks ago, at their suggestion, I sent them an email with pages printed off their web site proving my point, never heard a thing from this. I will attach these documents for your review. 

CITI sent me a letter indicating they had contacted all three credit agencies to tell them of the issue but when I checked 27 days after the letter was supposedly sent none of the three agencies had received it. ( attachment file XXXX ) About 2 weeks ago I spoke to a supervisor in Security Dept., XXXX, she was going to fix it and call me back. Never did. She gave me the phone number right to her desk, ( XXXX ) XXXX - XXXX. I have called and left several messages with no call back. ( please try to reach her ) Then my insurance company XXXX put a credit on that card {$27.00}. ( attachment file XXXX ) Bottom line : I owe them nothing they owe me a check for the {$27.00}.
Complaint sub-issue: Problem with customer service

On XX/XX/XXXX I filed a request to be refunded for student loan payments made during the COVID pause. The amount equals {$8400.00} for XXXX payments made from XX/XX/XXXX to XX/XX/XXXX. Nelnet the servicer for my loans said that I would be sent a confirmation email and further instructions within ten business days which would have been on XX/XX/XXXX. However, I have not received any confirmation or instructions to date. I called the servicer twice, and they can not provide updates or an expected timeline for my request confirmation or a refund. They just said it's being processed, but they missed the initial deadline dates given by the customer service representative when the refund request was filed.
Complaint sub-issue: Debt is not yours

Do not owe this amount to whoever AFNI Debt Collection Company that represents XXXX XXXX. I talked to the CEO 's Assistant and the individual told me he would settle my account for a lower amount than this. 

If XXXX XXXX changed those terms they never notified or made that agreement with me. I do not owe {$160.00} to XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I was told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts. XXXX XXXX $ XXXX XXXX XXXX XXXX {$150.00}
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : 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: Credit inquiries on your report that you don't recognize

I have someone who stole my identity, I am a XXXX woman who ca n't even get out of bed, and she have applied for things on my credit that is ruining my life, She has just been took in in custody as of X/XX/17 ... I have just had inquirys removed due to fruad and they have either came back or she have applied for fruad lent things in my name please help and remove these from my credit report ... Im in need of big help I have a fruad alert on my credit report and that did not help they still appeared
Complaint sub-issue: Problem with the interest rate

Hi my name is XXXX XXXX, I purchase a used XXXX XXXX from a Dealer and the Financial institution that I use for the lease is MotoLease I was already approve for other motorcycle but end up finding a one of my dreams so I decide to ask Motolease to finance the XXXX. i contact them with the owner of the XXXX who has a dealer. I give the dealer {$1500.00} cash because they where selling me the XXXX for {$9600.00} and with the dealer fee, registration and plate well they say the you will finance {$9000.00} and the contract that I saw and sing was for 3 years or payoff {$9000.00}. OK, like a week ago I received a notification about my credit report when I look up its says New MotoLease auto loan well I fallow the steps and when in to that exact report and read that MotoLease Loan is for {$18000.00} the double of the price and the contract that i sign. i call them they says they have the contract sign but Im sure I read what the dealer guy print and there was nothing about % 100 interest and the lady who answer my call say that it was base on my credit and my credit by the time was XXXX fico score. I tell her no body will accept that deal if knowing that the bike worth half of the loan they make. So what I want here that they do a fair deal because these is abusive and {$18000.00} 5yrs is ridicules fraud.
Complaint sub-issue: Account information incorrect

I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is of a derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database XXXX  search. Please also notify the source, who reported the item within 5 days after receiving this dispute, and obtain either verbal or hand written verification directly from a person at that. Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted. I will expect you to notify me the results of your investigation within five ( 5 ) business days from the completion of your investigation. In addition, I will expect you to complete your investigation within thirty ( 30 ) days from the date you receive this dispute or the item being disputed will be unverifiable. 

The items that appear on my credit report as : 1. ACCT. NAME : XXXX XXXX XXXX - This account was charged off listed with wrong balance please delete.

2. ACCT. NAME : XXXX XXXX XXXX - These 2 accounts were charged off and listed with wrong balance please delete.

3. ACCT. NAME : XXXX XXXX - This account was charged off listed with wrong balance please delete.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX I am submitting this complaint myself and there is no third party involved.I have been patiently waiting on their response to the written requests I sent. We have been sending written letters since XX/XX/2021 with regards to my request of removing the items in question and my last request was sent in XX/XX/2021. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : ChargeOff : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} Collection : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$240.00}
Complaint sub-issue: Funds not handled or disbursed as instructed

Dear Consumer Finance, This complaint is against US Bank. I have experienced tremendous pain and suffering due to this account.

Over a month ago I opened an online checking account with US Bank. I had an unauthorized transaction that took place causing m account to freeze. After numerous attempts of speaking with my supervisors, tellers, bank managers, and spent hours being directed to so many different departments. Not even a month I had unauthorized transaction and my account was closed. Even my account being closed and requesting funds to be given either at the branch or sent in the mail. Its been over a month I have waited to see my refund of about {$1100.00}. I take care of 2 Senior parents,  during that time I had experienced a loss, I suffer from XXXX   XXXX  and I even spent hours letting them know this caused health issues. Their response was they couldnt do anything. The efraud team treated me unfairly and discriminated me and also made assumptions. This company have caused sleepless nights, my health to be worse, and I cant believe they are doing this during COVID. 
This bank has contracted with XXXX XXXX to do Bank products and I happened to be a licensed XXXX XXXX agent team member. I find it so hard just my personal experience alone to see how unprofessional these employees such as supervisors, managers, tellers, horrible customer service, the worst. Misleading information and communication is not there. No assistance given. Still after visits to the branch, making customer service calls early in the morning and at night. Unbelievable and horrible work ethics. Unfair treatments. Banks like this caused my health to fail. If I dont die from COVID, the XXXX, XXXX  and XXXX  this has caused is unacceptable business and bank practice. No refund of my closed account and I was told to wait 90 days to stop a cashier check. No flexibility. No options.
Complaint sub-issue: Information belongs to someone else

A car loan was taken out in my name some one was and still could possibly be using my identity to obtain goods or services, if filed a police report also reached out to the credit bureaus and still no result
Complaint sub-issue: Trouble getting, activating, or registering a card

I registered for a XXXX XXXX and a XXXX XXXX card in XX/XX/2022. My company 's plan with Optum Financial began in XX/XX/2022. I was going to use the card to pay for a very expensive dental procedure. 

Optum assured me the card would arrive within 5-10 business days. I have called Optum Financial approximately once per week for the past 2 months, and they have kept saying that the card will arrive in 5-10 business days, but it's been over 2 months. They keep rejecting my request to speak with a manager, they do not provide any additional information, and I still have not received my card.

XXXX  is over, and I have not been able to use my XXXX, which expires at the end of the year. Further, Optum won't let me log into my online account without having a card, so I can't log in and request them to stop debiting my wages to fund my commuter benefits card. So they refuse to send me my XXXX XXXX card, but keep taking money from my wages each month while they do so. 

This is completely unacceptable. I want Optum to send me back every single cent they have stolen from me. I consider this theft because they have taken my money and refused to provide me with a payment card. I want the money sent back to my wages.
Complaint sub-issue: Problem getting your free annual credit report

REQUEST FOR FREE XXXX XXXX XXXX!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the  automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Complaint sub-issue: Information belongs to someone else

This account is not mine. I have called them numerous times to demand validation of the said account and get it closed because I do not want to mess up my credit, but they give me the runaround every time and have never received any validation. I have disputed this but had no resolutions. I was defrauded and scammed. The account was not to be opened and not to be reported. I have requested numerous times for the account to be closed. They specifically failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. The company has willfully neglected my requests and have caused continual damage to my finances. They violated the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under attack by the XXXX of this companies ' actions. They harass me and my family by threatening statements and constant calls. This is a scam & I was defrauded, I demand this to be thoroughly investigated promptly. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. This inaccurate account is being reported in my credit records and is hurting my financial stability.
Complaint sub-issue: Public record information inaccurate

Your settlement for improper use of individuals private imformation was settled improperly. I didnt agree to a monetary compensation. I would like 125 points added to my credit score. The conditions of this economy are not and have not ever been fair to people of XXXX. XXXX is derived from the old English language meaning hidden as to say people of XXXX are to be kept away from acquiring assets such as property because they are considered property. I fell as though you should give people of XXXX a fair chance at property ownership. The Americans dream should not be owning a house. That should be the benefit of being American.
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 {$13000.00}, {$14000.00}, {$5400.00}, {$19000.00}, {$25000.00}, {$10000.00}, {$9700.00}, {$27000.00}, {$0.00}, {$4100.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$25000.00} -This is not my account. 

6. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9700.00} -This is not my account. 


-- AUTO ACCOUNTS 8. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$27000.00} -This is not my account. 

9. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNT XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account.
Complaint sub-issue: Investigation took more than 30 days

I disputed items with on my credit report that are still in pending states 60-days later. Equifax 's confirmation # XXXX.
Complaint sub-issue: Public record information inaccurate

THIS COMAPANY HAS PLACE BANKRUPTCIES ON ALL XXXX OF THE MAJOR CREDIT BUREAUS. THEY ARE NOT COMMUICATING WITH ME AND I HAVE SENT IN ALL DOCUMENTS TO HAVE THIS REMOVED FROM MY CREDIT FILE.
Complaint sub-issue: Attempted to collect wrong amount

Hunter Warfield has reported negative item on my credit which is unverifiable and false. I have sent over 5 letters to the credit bureaus demanding to see verifiable proof of the original Consumer Contract with my signature on it. Under the FCRA 609 section ( a ) ( 1 ) ( A ) unverified accounts must be removed if you are unable to provide a copy of verifiable proof the item must be removed. I never received any verifiable proof of the debt. It was opened on XX/XX/2016 from Hunter Warfield. XXXX   removed the negative item however XXXX and XXXX are still reporting this item, thus tarnishing my credit and barring me from home ownership. Please help attached is the letter of deletion from XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX # XXXX, XXXX # XXXX 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: Their investigation did not fix an error on your report

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXXXXXX XXXX Balance : {$6900.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2600.00}