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

My student loan was serviced by XXXX. I have 2 problems : 1 ) They calculated/amortized interest incorrectly. 

As I paid it off every month, some months th iterest expense would be higher than months prior, even though the balance was decliing. 

I took into account the fact that some months have more days than other months. 

I emailed them and called them about 5 times. 

They insisted their accounting was correct. 

I was a XXXX, and I can tell you they over-charged me interest. 

They just sold the loan to XXXX, so they mno longer have my loan. 

I want XXXX to reimburse me for over-charging on interest. 

2 ) On my equifax report - this loan shows under " Derogatory '' category. 
I never missed a payment. When my wife and I considered Chapter XXXX bankruptcy, filed for it, but then VOLUNTARILY had the case dismissed ; being that it was a federal loan, it automatically went into deferral status. I never wanted to quit paying this loan, and never did, but while we considered bankruptcy, they refused payments form me. 

I would like this removed from " Derogatory '' by Equifax and the other credit bureaus, via XXXX 's request. 

i would also like all 3 credit bureau to further mention that my Chapter XXXX bankruptcy - in XX/2013, docket # XXXX, was VOLUNTARILY dismissed.
Complaint sub-issue: Information belongs to someone else

I was a victim Of identity theft mainly because of the Equifax data breach. My information had been compromised and use to open fraudulent accounts Mainly with comenity bank. And then they went to collections selling my information to XXXX XXXX XXXX THE ACCOUNTS ARE LISTED BELOW XXXX XXXX XXXX XXXX XXXX XXXX/ beginning with XXXX XXXX XXXX XXXXXXXXending with XXXX And all the collections accounts with XXXX XXXX XXXX be removed immediately
Complaint sub-issue: Information belongs to someone else

XXXX account number starting with XXXX is reporting on my credit report and this is not my account. I have tried to speak with the credit bureau but they will not show me proof that the account is mine.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX, Equifax and XXXX  are reporting 6 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Complaint sub-issue: Delay in processing application

On XX/XX/2022, I applied for a Discover card and was approved with a {$2000.00} limit. 
On XX/XX/2022, Discover sent me a strange email requesting a copy of my tax returns. 
I called Discover and asked why they need my tax returns for a credit card with only a {$2000.00} line of credit - I asked if this was a standard procedure with all applicants and the Discover agent said it was a standard procedure. 
I do not believe Discover requested my tax returns as part of a standard procedure they do with all applicants. I believe Discover asked for my tax returns for either discriminating reasons or to Obtain more personal information on me which they turn around and sell to data collections companies for more profit. 
I believe anyone reading this will agree with me that it is NOT a standard procedure for Discover to request an individual 's tax returns days AFTER they have been approved for a line of credit. 

I asked discover this question on XX/XX/2022 complaint # XXXX and their response did NOT answer my question instead they provided the following vague response.. Discover card conducts regular reviews to evaluate our customers accounts. As such, your account is currently involved in a regular review. Our records confirm that an email was sent to your email address of record on XX/XX/2022, advising of this process, and the email provided you with the next steps to complete the verification. 

Let me get as specific as I possibly can : Does Discover ALWAYS conduct a regular review on all individual applicants just days after they have been approved? 
Does Discover Demand an approved applicant to provide them with their tax returns on lines of credit under {$3000.00} every time or most of the time? 
Does Discover have information on me which provides them with my XXXX or XXXX of my skin? 

Discovers actions have harmed my credit by adding account closed by grantor by the inquiry they placed on my credit report and by takig away my line of credit
Complaint sub-issue: Problem with rewards from credit card

I have had a Citi Card since 1999. I used to get a statement credit based on the amount of money I spent. Over the years, this card became by secondary credit card and was seldom used. About a year ago, I decided it would be safer to use a credit card instead of a debit card, and my Citi Card was put back into frequent use. At this same time I asked for and was approved for a larger line of credit to cover my monthly needs. A new card was issued and I began using the new card. When this card was issued it was a Diamond Platinum, instead of my Platinum Select. Two things happened with this name change. First, my existing balance credit of approximately {$3400.00} went away. Second, my rewards for use of the cards were no longer balance credits and were instead coupons for deals on magazines or clothing. For about a year now I have been charging between {$10000.00} and {$30000.00} a month, always paid off monthly. My believe was I was stacking up reward points only to find out that this unsolicited change of reward programs only gave me a coupon for a purse. I want to know who approved this change of programs, where is my previous statement credit, and what benefit I have for the over {$200000.00} of purchases I have. The customer service manager told me I had no recourse and she respects my decision not to use Citi Card.
Complaint sub-issue: Was not notified of investigation status or results

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 2. Validate Account XXXX Account Number : XXXX Please remove it from my credit report.
Complaint sub-issue: Company closed your account

My account has been charged fees out of retaliation for my complaints with the consumer Federal protection bureau. I was told by XXXX XXXX XXXX vice president branch manager and XXXX number XXXX that if I make any other complaints about fees all of my accounts will be closed. Today I realized there was additional fees taking out of my account that I was not entitled to pay. I went in the branch asking to go over the fees one by one. The branch refused instead referred me to speak to XXXX XXXX district manager over the XXXX branch location that I visited. And which she was rude to me as always and advised me that my account all three of them will be closed at the bank 's discretion. And that they would not go over any fees with me.
Complaint sub-issue: Debt is not yours

XXXX XXXX XXXX has recently retained TrueAccord to act as a debt collector to collect on a debt not owed by me to the alleged original creditor XXXXXXXX XXXX XXXX XXXX expressly identified as an account number ending in XXXX. 

TrueAccord sent an UNDATED notice to respond by XX/XX/2022. TrueAccord has failed to validate the debt and also provide verification of debt as required by law. 

I hereby further dispute the account ending in XXXX with XXXX XXXXXXXX XXXX XXXXXXXX. and XXXX XXXX XXXX there is no balance amount owed of {$1800.00} and any updated balance amount. XXXX XXXXXXXX XXXX XXXX Is not my original or current creditor. There is no balance owed by me to XXXXXXXX XXXX XXXX XXXX. 

At no time does XXXX XXXX XXXX XXXX  appear on my credit reports for any such account ending in XXXX.
Complaint sub-issue: Information belongs to someone else

I reported the theft of my identity to the Federal Trade Commission and enclosed a copy of the affidavit. Please delete this item as soon as possible. 
Its been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am victim of identity theft! Please remove this account as soon as possible! 

Account Name : XXXX XXXX XXXX Date Opened : XX/XX/2021 Type of Account : Collection Balance : {$170.00} Account Number : XXXX
Complaint sub-issue: Information belongs to someone else

I believe I have been a victim of identity theft for the last few years. I have been in a relationship with someone who has been abusing my credit for their own personal needs. I recently reviewed a copy of my credit reports from all XXXX bureaus to find several unfamiliar and unauthorized accounts and inquiries. To be specific this account from XXXX XXXX XXXX SIMPLE was allegedly opened XX/XX/2021 and is reporting an overdue balance of XXXX and which I have no knowledge of this account being established. I have tried several times to contact all XXXX bureaus regarding this inaccurate information on my credit report. In addition to that, I have submitted several disputes to each bureau regarding this as well.Neither company has tried to contact me or to update any of the reported information.
Complaint sub-issue: Their investigation did not fix an error on your report

A demand for verification of debt was presented to Equifax and XXXX   by my attorneys twice and XXXX as well and they have failed to respond on either occasion causing for immediate and permanent deletion of the reported debt.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I have been a Citi credit card custome since XXXX. I don't use this card often, but it had been attached to my XXXX account. 

On XX/XX/XXXX, I attempted to purchase a pizza with XXXX in XXXX XXXX. I immediately got a warning text from Citi to my cell phone that the transaction was declined and to try again. I did not try again with the same establishment. I did not try again, and ordered another pizza from a different restaurant, again using XXXX Eats. 

I ended up getting XXXX orders delivered because CITI apparently had not declined the transaction ( even though they had communicated that that was the case, so I BELIEVED THEM ). 

It has been utter XXXX dealing with CITI customer care in explaining the situation. The first set up CC people on their mobile chat app did not even understand how a charge in EUROS would be translated into USD for an American customer, and I was accused of talking about XXXX different transactions because of the confustion/incompetence of the CC people at CITI. 

I tried to work it out with XXXX, but from their standpoint, the transaction went through. 

I have texted with CITI and called. I decided to dispute the charge with CITI and I have received a conditional credit, but it should really be an issue with CITI 's systems messing up things for me and XXXX. I called several times and texted CITI and have gotten some people there to promise me that a goodwill credit will be applied to my account, and the dispute process dropped. This has not happened, and when I attempt to inquire about it to a new CC person, they often don't understand anything and I have to where to turn. 

Meantime, I decided to switch my card to my XXXX credit card. Well, when I was trying to book an XXXX Ride on XX/XX/XXXX from my home in XXXX, TX to the airport, XXXX wouldn't let me use their service until I paid for the PIZZA AGAIN. XXXX EURO. I needed to get to the airport, so I paid it. I now have a dispute process with XXXX, because I found out from XXXX that from their perspective the chargeback I have with CITI puts my account in arrears. 

I just can't win. I didn't order XXXX sets of pizzas, ever. CITI told me that my transaction was declined. It wasn't. Just give me the goodwill credit as promised and drop the dispute process since it was ALL CITI 'S error in the first place.
Complaint sub-issue: Public record

I 'm filling a complaint against Equifax about information on Public Record and collection.I want dispute an error with Equifax showing that I have a tax lien with IRS. The reference number XXXX, filled XXXX XXXX 2009, amount {$5300.00} federal. This federal tax lien was paid off and cleared. I have information with attachment. I want this information removed from public record now. Plus. In Equifax collection they are showing that late billing with XXXX XXXX XXXX I was late with payment. It also showed that XXXX XXXX XXXX collection agency. I paid that bill in full at XXXX XXXX XXXX billing office in XXXX, Arizona that month of billing cycle.I want this remove from my credit report now
Complaint sub-issue: Debt is not yours

I never signed a contract with this company. Im not sure where they came from and it just appeared on my credit report.
Complaint sub-issue: Information belongs to someone else

Re : Account Number To whom it may concern : I am in receipt of your companies letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records i am unable to find any documentations of any contractual relationship between name of company and myself which makes you a person in title to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of contract to substantiate your claim. Provide me with a certified copy of an original contract with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who doolie swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of contract will constitute your tactic agreement that you name of president and name of company are not entitled to force a claim against me. In the event you continue your collection without any proof of contract, i will file a complaint with The Attorney General and Federal Trade Commission and File a police report against you for harassment and invasion of privacy. You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract you must cease and dismissed any collection efforts and immediately remove any derogatory information reporting to the consumer reporting agency. If you transfer this account to an attorney without providing proof of contract, he will be immediately reported to the state bar association and professional liability found for code of ethics violations. I have attached a letter in the file section along with photos of the inaccurate accounts that you have been reporting for many years and up to date. I will be following up within the next couple days to week to solve this matter immediately. 

Sincerely XXXX XXXX
Complaint sub-issue: Cashing a check

I did a mobile deposit of a check to Keybank through their mobile bank on Thursday XX/XX/XXXX, when I deposited the check I got a prompt saying my funds would be available on Friday the XXXX. When the funds weren't there I contacted the bank and they told me that my funds would be available until the XXXX taking a hold of XXXX days to my deposit. 

I talked to them and told them that although terms and conditions on my account do mention the possible hold while depositing a check, the prompt on the app saying my funds would be available the next day if I did a mobile deposit was misleading. 

The supervisor at the contact center told me that if that was the case, it would be misleading. Upon checking what the prompt said he confirmed what I said was correct and said that indeed, information could be " clearer '' but that he could not do anything about it. 

Now I stand with Keybank holding my funds and no access to them for what I consider to be negligence for their error while drafting the information on the prompt or misleading information if purposely placed liked that knowing it differs from the information on their terms and conditions that I signed.
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate complaint. I filed a complaint in regards to my Citibank XXXX XXXX XXXX ending # XXXX not a Home Depot account handled by Citibank. To date my complaint in regards To the Citi XXXX XXXX XXXX ending # XXXX, has not been acknowledged by all parties. 

On or around XX/XX/2022, I filed a complaint with the CFPB against, Citibank, XXXX and XXXX, XXXX for refusing to report my Citibank XXXX XXXX card ending account # XXXX. In my complaint I did not say Home Depot credit card handled by Citibank I specifically wrote in my complaint that Citibank is refusing on report Citi XXXX XXXX card ending account # XXXX. 

Instead of Citibank properly investigating the right account and acknowledging the core competences of my actual complaint file with CFPB in regards to my Citibank XXXX XXXX card, Citibank used another delay and fraudulent tactic by responding to CFPB with a different account with full knowledge this was the wrong in account in question further delaying reporting of a line of credit and history in good standing effectively lowering the credit scores of Americans of XXXX descent. 


On or round XX/XX/2022, I received my XXXX, XXXX and XXXX credit report and noticed they are inaccurately reporting my Citibank XXXX XXXX card ending account # XXXX current open line of credit with excellent payment history as an account in dispute without payment history I have never contacted Citibank or the three credit bureaus and disputed Citibank XXXX XXXX card ending account # XXXX line of credit. In addition, XXXX/Citibank refused to report any payment history for this account or current balance left this information blank effecting my debt to credit ratio, effectively impacting the credit score. I believe this reporting error is intention and designed to lower credit scores of Americans of XXXX descent. 

I want the CFPB to investigate this deceptive business practice and find out how many Americans of XXXX descent are being impacted by this deceptive reporting practices and hold Citibank/XXXX accountable. 

I want CFPB to investigate Citibank fraudulent responses CFPB consumer complaint and how using other wrong account information to respond to consumer complaint to deflect their deceptive business practices on the right account held by Citibank. 

I also want the CFPB to enact and enforce laws to protect consumer from this type of abusive reporting practice designed to lower American of XXXX descent credit scores.
Complaint sub-issue: Debt is not yours

I switched cellphone carrier 's on XXXX went to XXXX XXXX XXXX from XXXX XXXX XXXX XXXX I received by last bill from XXXX in the amount of {$620.00} -what was concerning about the bill was that neither of the payments I had made on XXXX or XXXX were annotated on the bill. -I contact XXXX spoke with a rep by the name of XXXX she asked detailed information about the payments and placed request to search for the payments the request # 's are as follows : XXXX & XXXX she stated that I would be notified by a XXXX about the request, but I never was contacted. XXXX XXXX I received a bill from XXXX stated that I owed {$340.00}, also noted on the bill was the XXXX of {$280.00} but no mention of the XXXX {$260.00} payment. -Then on XXXX I received a collections notice form XXXXt on behalf of XXXX stating that I owe {$340.00}. Now its being sent to I.C. System Inc. another debt collection company. To date I have not received any follow up from XXXX regarding my XXXX payment of {$260.00} towards my XXXX account. Also, when I logged in online on XXXX to make my last payment it showed a balance of {$280.00} which should have paid of the account then end of XXXX, I began receiving bills that made no sense and my online account did not allow me to see all the billing. PLEASE SEE ALL ATTACHMENTS WITH THE XXXX BILLS AND MY PAYMENTS AND MY PREVIOUS CFPB COMPLAINT AGAINST CONVERGENT.
Complaint sub-issue: Information belongs to someone else

I recently pulled my credit report and noticed several fraudlent accounts some even had no account name associated with them.
Complaint sub-issue: Account status incorrect

Over the past several months I have requested that Equifax provide proof of various issues i had reporting on my report. the latest report as of XX/XX/18 still states the mis-reported information as well as, a report from XX/XX/18, various mistakes in reporting are noted and pointed out and Equifax updated the information that I had found wrong and then added to the time that it will remain, then inform me that unless i send a different letter that Equifax will not look in to there mistakes. It is not fare no legal that due to there mis reporting and unable proof to provide the information i had requested for well over the allotted time needed. the accounts remain and more have been added. also various medical accounts appear as well and i know that is a HIPPA violation. I am not sure as to why nor understand the reasoning behind Equifax unwillingness to admit there mistakes and remove the accounts and failed to accept my consumer complaint OR the INCORRECT ADDRESS was reported, EITHER a clear infraction of the requisite conditions of reporting which is to include ONLY TRUE, FAIR, ACCURATE, and COMPLETE COMPLIANT REPORTED DATA. In the LEAST, this item is NOT REPORTED ACCURATELY Surely it is, as such it is unlawful and mandates assert the proper resolution is to eradicate the deceptive reporting so delete today, here and now please. Wrong address was displayed therefore the reporting is DEFICIENT of legal standing to report and to retain is unlawful and a dereliction of adequate mandatory certified compliant reporting of allegations of delinquent and or derogatory consumer information, TRUE or NOT! I DO NOT DISPUTE the reality of the account reported YET experian refuses to REMOVE the claim I dispute it. PLEASE EXTINGUISH the " DISPUTE '' remark OR present regulatory requisites that suggests a mandate to retain a dispute statement OUTSIDE the consumer 's CLAIM of NOT DISPUTING. What gives experian, exactly, the RIGHT to retain despite an absence of consumer dispute or an authorization from consumer to suggest it is in dispute? CERTIFY the nature of any CURRENT DISPUTE or else eradicate. It is UNLAWFUL for any entity in credit to be deceptive or unfair. CLEARLY this is equifax misbehaving illegally and must act to remove a claim of aimed
Complaint sub-issue: Account information incorrect

I have sent out plenty of letters and emails to companies requesting information to be removed and updated yet no one has done anything. I have also tried to work with these companies myself to come to some sort of resolution to no avail! These things are interfering with my ability to move forward and its really frustrating! I have been irresponsible before as we all have but I really want them to correct these issues and let me go about my life!
Complaint sub-issue: Account information incorrect

I have filed dispute before but I didnt receive any response. My credit score is being affected due to something which I am not reliable of. 

My credit score shouldnt be hurtled due to some other companies mistakes or until and unless they are entirely sure if I owe the amount and I am reliable to pay it. 

This medical bill debt is giving me a very hard time as its effecting my score, all my efforts have been futile so I thought to file this complaint. 

I was told by police officer to go to the hospital as they saw my condition I was badly XXXX and XXXX. Upon reaching the hospital I provided them my police incident no and was treated as a crime victim. I was told to come back to the hospital and do some paper work we work which I did. Months passed and the collection company never told me I could dispute it while my score kept being hurt over something which I wasnt reliable for. Kindly remove it from my Equifax report Thanks