Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was paid

debt has been paid in full but still reporting negatively and unpaid on my credit report hurting my credit score .The incorrect amount of the loan is also reporting on my credit report .i mailed letters to company to removed the wrong loan amount reporting & to update my account paid .I never received a response mail.
Complaint sub-issue: Information belongs to someone else

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report.
Complaint sub-issue: Received bad information about your loan

FEDLOAN is refusing to count qualifying payments towards forgiveness made to prior lenders who sold my loans to them ( i.e. XXXX sold my loans to FEDLOAN ). 
No wonder people are suing them and winning!! 
I submitted a detailed schedule with my application to no avail.
Complaint sub-issue: Information is missing that should be on the report

Someone or some people at XXXX XXXX decided to go rogue and openly break federal law by refusing to report my account as current the months when I was in forbearance with Equifax. The CARES Act is explicit that this is a legal requirement.
Complaint sub-issue: Deposits and withdrawals

On XX/XX/22, I was contacted by a Citibank robocall telling me that my savings account was overdrawn. I preceded to go to a local Citibank Branch to inquire what had happened. Upon my arrival, XXXX XXXX, a Citibank employee preceded to assist me with my inquiry. Upon reviewing my savings account, it was discovered that all money had been taken from my account. It was discovered that someone had enrolled me in Citibank online bank system without my knowledge nor consent. ( BE ADVISED THAT I HAVE NEVER ENROLLED IN CITIBANK ON_LINE BANKING SYSTEM ) The individual proceeded to write a series of checks addressed to me and deposit them into my account and then withdrew the money that was deposited. Being that I had a balance of over {$40000.00} dollars in my account, it was able to cover the checks that were deposited and Citibank issued the funds to the individual. 

Currently, Citibank Fraud Department is reviewing my case and will contact me in writing with the results of the case. 


This was a classic case of Unauthorized Online Wire Transfers. 
Currently, I have no money to pay my bills and I'm in a dire situation. I hope you can assist me in getting my money back from Citibank. 

Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

CitiBank has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the fair credit reporting act XXXX  Account # XXXXXXXX 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 US DEPT ED. 
Account # XXXX XXXX XXXX con has violated my rights 15 U.S.C 1681 Section 602 states I have a right to privacy 15 U.S.C 1681 section 602a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2020 I went into XXXX to purchase a phone. During the encounter I felt uneasy about the sales agent and because he was pushy and not really answering my questions and concerns I decided after 9 days that I would return the phone. I was told that I had 14 days to return the phone and I may be charged a {$50.00} restock fee. I returned the phone and was given a refund. The representative that took the phone did not scan the phone in from what Ive been told multiple times. Due to him not scanning the phone the balance was never XXXX put resulting in a false balance showing on my credit for {$780.00} dollars. I have had my credit ruined because of it. Ive been denied home loans and personal loans because of it. I have recorded calls of me speaking to XXXX representatives confirming the error is on them. My information has been sent to a debt collector who has bullied and harassed me despite telling them I dont owe XXXX XXXX I have been denied a contract phone due to this debt as well. My credit went from zero late payments to this reporting monthly as late and delinquent. The phone has been resold and I received a refund for what I paid in store. Despite sending this information to the credit bureaus they keep reporting this debt as verified. XXXX has confirmed the phone was resold and I have the tracking number but Im continuing to be punished and my personal and business name tarnished due to this.
Complaint sub-issue: Debt is not mine

A company called " West Asset Management '' entered my phone number into an autodialer simply based on the similarity of my last name ( a common name ) to that of the debtor they were trying to locate. 

The autodialer voice prompts include an option to indicate that the debtor can not be reached at this number, but that prompt has been XXXX or is not functioning. 

When called back, an agent refused to identify himself or the company her represented. When called back again, an agent did identify their company, but refused to acknowledge they were a debt collector.
Complaint sub-issue: Was not notified of investigation status or results

When I received copy of my credit report and noticing all the inaccurate and outdated information being reported, on XX/XX/2022 I sent letters to Equifax, XXXX and XXXX about these inaccurate information and asked them to investigate and remove all these erroneous information from my credit report affecting my credibility. But unfortunately, till this day as of more than 45 days I have not received any correspondence from them in regards to my dispute.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I had a hard inquiry on my credit report via Equifax from : Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX I tried contacting the insurer of the card which is XXXX  XXXX. 

They did not find any account opened from that but I would like the inquiry gone. 

They were unable to help with that
Complaint sub-issue: Their investigation did not fix an error on your report

For the past XXXX month I tried to clear up wrong information with XXXX and XXXX Bank and XXXX XXXX ) XXXX XXXX close XXXX of my account base on incorrect information from XXXX XXXX Home Depot Credit card and XXXX XXXX ) These account has never been late. After speaking with a Attorney, I was told XXXX XXXX report to the companies they represent, I 'm a risk to do business with them. I have done business with XXXX XXXX and XXXX XXXX over 1XXXX years my account has never been late. What is the risk?. This is a marketing strategy XXXX XXXX use to make money on the consumer backs. Where are my rights? XXXX XXXX knows credit reporting companies are always reporting incorrect information. They do n't care about the consumers. Had I known this I would not have applied for these cards. Can I suit XXXX XXXX, XXXX XXXX, XXXX XXXX for the hardship they created for my husband and I. I do n't remember signing an agreement with this authorization. When will the CFPB hold the credit reporting companies accountable for hurting the consumer time over and over. When you are conducting financial business the opportunity can be huge for you and your family. Because of bad information the credit reporting companies kills it every time. Please help the consumer. Companies like XXXX need regulation from hurting the consumer.
Complaint sub-issue: Card was charged for something you did not purchase with the card

In XXXX I complained about a XXXX charge I received from XXXX on my statement. The charge was not recognized. I have dealt with the company in the past but only in prepaid fashion where I charged The Whole amount to the particular credit card a year ago. I never authorized XXXX to charge the amount indicated. Furthermore they used an old credit card number and expiration date since I know I never updated that information with the gym since it was only that one payment I made. I told the person in the gym that I will not be charged and they told me of course not you paid for the year membership in advance and there was nothing to worry about. I told us bank all this information and filed a dispute tellinging them it was unauthorized charge. They did not listen. They gave me a conditional charge but reversed the charge saying it was authorized. After bickering with me back and forth I was forced to file this complaint. XXXX
Complaint sub-issue: Problem during payment process

AT & T Universal Card # XXXX. Customer presented payment Money Order XXXX XX/XX/XXXX. XXXX  photocopy front and back says account was paid XX/XX/XXXX {$250.00}. As of XX/XX/XXXX AT & T disputes receivement of payment. Refuses to allow customer to submit proof of payment to any supervisor, or investigation team. Customer has not been credited for payment received. Conditional payment of {$250.00} is only temporary. AT & T Universal Card is a 20 year customer in good standing but refuse to allow customer to submit proof. They will not investigate or call customer back in 20 days. Citibank is main company who issues Card
Complaint sub-issue: Can't get other flexible options for repaying your loan

I accepted this loan offer as a student at University of XXXX, XXXX XXXX program for a simple continuing XXXX certification, which was not received. I completed 5 courses out of 6, and had to move out of state because I could not afford to live in California anymore. I have paid the required monthly payments to Sallie Mae for this loan since it was disbursed over 6 years ago and never was late. I have paid off this loan in payments totaling over {$6000.00} which was the amount disbursed. Yet, my balance due is over {$6000.00} so my payments went strictly to interest all these years and will continue to go to interest only. I feel this is fraudulent and unacceptable behavior. THey have refused to lower my interest rate or do anything to apply my payments to the principal balance. I feel like this loan should be considered PAID IN FULL.
Complaint sub-issue: Debt was paid

applied for the california XXXX program which court said i was intitled to 80 % reduction of fine sent payment to alliance one as instructed by their representative also sent in court papers as requested. now almost 3 months later after they have cashed the 80 % payment check they have not honored XXXX still attaching wages and i still do n't have a drivers liscence
Complaint sub-issue: Problem with fees

US Bank Credit Card # XXXX due date for monthly payment is XXXX of every month. I get paid on the XXXX so I call in the payment during the day to the number provided on the statement XXXX, I make the minimum payment as I am hurting financially a lot. They take the payment, on the next month 's bill I see a charge for {$40.00} saying the payment is late, this happened three or four times now. I have closed the account because they would not take off the fee. I work two jobs now, I was unemployed for almost two years. It is very important for me to pay my debts, however US Bank was not working with me and charges one of the highest interest rates around 23.99 %. I can not wait to pay off this bill. I think it is very unfair the late fees they are charging me. This year due to Covid it has been especially tough keeping the 2nd job. The total fees charged this year are at {$150.00}.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a 30 day late payment report on XXXX XXXX.I setup and automatic payment and they make a mistake and never charge my account.
Complaint sub-issue: Information belongs to someone else

FIFTH THIRD BANK-Date Opened XX/XX/XXXX Amount {$540.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX Amount {$23.00}, XXXX -This account is over 7 years old and I would like it removed because it defies the statute of limitations. 

XXXX XXXX XX/XX/XXXX Amount $ XXXXThis account is over 7 years old and I would like it removed because it defies the statute of limitations XXXX XXXX XX/XX/XXXX Amount $ XXXXThis account is over 7 years old and I would like it removed because it defies the statute of limitations XXXX XXXX XXXX XX/XX/XXXX Amount {$75.00}
Complaint sub-issue: Investigation took more than 30 days

I filed a dispute XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX on XX/XX/XXXX I filed a complaint stating that Equifax sent a letter stating my identification information will not bring up a credit file etc. After the complaint Equifax states to you that my file was being worked on XX/XX/XXXX. Which cant be true if Im receiving another letter now in XX/XX/XXXX. At this point the FCRA states they have 30-45 days to respond that Time has now elapsed. Equifax is not trying to look into my issue. The same four documents I provided XXXX  XXXX XXXX  with no issues.
Complaint sub-issue: Debt was result of identity theft

Upon review of my credit report, I noticed accounts that were not valid, these accounts were not opened by me. I have disputed these accounts on all three credit bureaus, as well as with the creditor. I am providing information on these disputes. I am demanding these accounts be blocked from my credit report, due to the fact that they are not valid and/or they are not caused by me. I am a victim of identity theft an I have submitted documents several times.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2021 CORELOGIC CREDCO has accessed my credit report from XXXX, and XXXX. I have never contacted or seek to get any kind of financial product from the company nor have I heard of them before. I have never provided my personal information to any bank or other institution in order to get any financial product at the time nor did I authorize any current business I am dealing with to share my information with them. This was a clear unauthorize use of my credit hence a flagrant violation of my rights.
Complaint sub-issue: Account status incorrect

I opened an account with XXXX XXXX XXXX in XX/XX/XXXXand then had significant personal financial issues arise leading to the account being closed in XX/XX/XXXX The account was sold to multiple collection agencies but was settled and paid in XX/XX/XXXX XXXX XXXX XXXX  has violated my rights by submitting falsified information to the credit reporting agencies resulting in financial harm to me and my family. Specifically, they have reported the following information to all three credit reporting agencies ( a ) beyond the charge off date of XX/XX/XXXXand ( b ) beyond the date I settled and paid the balance to their collection agency.

EQUIFAX - reflecting 90 days late payments inXX/XX/XXXX andXX/XX/XXXX. XXXX - reflecting 90 days late payments in XX/XX/XXXXand XX/XX/XXXX.

I have attempted to resolve this directly with XXXX XXXX XXXX  as well as the CRA 's and both have refused to assist me and update the records with the accurate details.

I am begging for your help and assistance in bringing these predators to justice. I simply want my record to accurately reflect my account.
Complaint sub-issue: Information belongs to someone else

I went to apply for a loan, and was turned down and I looked my credit up and seen items on my credit that should not be on my credit and needs to be removed .i contacted all three beaureus and no one has answered back. So I want to see is their something that you can do.I am including my DLSS and police report.
Complaint sub-issue: Account information incorrect

We have issues with wrong info on our mortgage account and CAN NOT resolve them because all the phone numbers and extentions they provide no PERSON answers, the recordings do not pertain to our issue, they have reported us to the credit bureau 's 1 ) due to the virus I told them I couldn't pay XXXX because we were supporting 9 humans with us but not only that there was a moritorium made by our Governor on XX/XX/2020 that a late payment could not be reported 2 ) even  without the moratorium they did not wait the 30 days. They also report in their letters that XXXX was missed but I have proof it was. They are charging us late fees when with a 15 day grace period NONE were late. When we purchased the house we paid it the XXXX every month. They then increased it and being on a fixed income I had to make up the {$120.00} with ss check but it was never sent after the 15 days. They in again a letter said they DON'T apply the XXXX to the mortgage payment. Well if it's my account and it isn't late why not? I have been receiving robo calls daily and voicemails daily with NO valid # number to call. If I answers the call it just tells me to call a number that I can't reach anyone at. 
I have letters I have written, the last was certified receipt requested and they received it and I got back a letter telling me to call someone, different # but and extension. Well guess what we called repeatedly and again recordings that person and extension " not available '' and NO RETURN CALLS TO OUR VOICEMAILS ASKING THEM TO CALLS us back. I have been told that XXXX XXXX  has received numerous calls with the same complaint I have. 
Is there anyway this Sham can come to a close? Is there anyway I can get my credit restored because of their false reporting or can they be sued?
Complaint sub-issue: Account status incorrect

In XX/XX/XXXX I received an alert from a credit monitoring service that my score had dropped due to an account change. I logged in and saw that XXXX XXXX had reported my payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as 30 days late. I immediately contacted XXXX XXXX to report that when I log into their payment system, it showed my account has having a balance due of {$0.00} ( screen shots attached ). The only time it would show a balance due was towards the end of the month. I made the payments at that time and then they were considered 'late '. 

XXXX XXXX customer service stated on XX/XX/XXXX : This is a site issue that we are aware of and our web designers are in the process of updating the system to get it corrected. 

There are also articles online where XXXX XXXX admits having issues with their payment system when they updgraded in XX/XX/XXXX.

I spoke with customer service both on the online chat and over the phone to explain my situation and have my account updated to show that the payments were not late due to an error on their end in their system. 

Even though they admitted they are having system issues, they said they will not do anything since they only have the date when my payment was received. 

I am being punished with late marks on my credit report even though their payment system has an acknowledged and admitted error.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an XXXXXXXX  company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Complaint sub-issue: Deposits and withdrawals

I'm attempting to link debit cards from PNC Bank to XXXX  and PNC is not allowing it. My cards were linked but PNC did a security update and the accounts were removed from XXXX. I've contacted PNC and XXXX, both could not resolve the issue.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX has since responded, but did not do the proper diligence to confirm whether they had made a mistake on their end. I have pasted the original complaint below. I have also attached the XX/XX/2021 response to XXXX XXXX at XXXX, as well as my response to his note, which confirms the mistakes that XXXX made on their end with regards to processing my multiple payment attempts. 

Please note that in the midst of this, XXXX completely changed their online system, and as a customer, I had to re-create my login completely - with no warning. 

Original complaint XXXX " I opened a new mortgage in XX/XX/2021, and since XXXX, I have tried to pay my mortgage electronically with XXXX now THREE times, across 2 separate checking accounts with national banks ( XXXX and XXXX XXXX XXXX ). They continue to say that my banks are rejecting the payments, yet the banks have NO record of XXXX even attempting to withdraw the amount. I am now incurring late fees, and they have sent me to collections. I am perfectly happy to pay - but I can't seem to do this. ''
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX XXXX XXXX ( AKA ) XXXX XXXX is inaccurately report a loan # XXXX as " Derogatory '', " Payment Plan '', and " Included in Chapter XXXX ''. This is absolutely false. The loan of {$350000.00} was originated with XXXX XXXX on XX/XX/XXXX and transferred to XXXX loan # XXXX on XX/XX/XXXX. 

My Chapter XXXX was not filed until XX/XX/XXXX. 

XXXX had been paid a year before the Chapter XXXX as the mortgage loan was transferred to XXXX. XXXX had nothing to do with the Chapter XXXX, yet the company continues to falsely report inaccuracies and impinge on my credit. 

I completed my Chapter XXXX in 2 1/2 years on XX/XX/XXXX and paid all my creditor 's claims in full.
Complaint sub-issue: Reporting company used your report improperly

On XXXX XXXX 2017, Equifax 's data center was breached. It was not until a full 29 days later that Equifax made this information public. 

My social security number, address and full name have been made known to people who should not know that information. This is a permanent problem. For the rest of my life, I must now watch my credit like a hawk, wondering if today is the day that someone opens an account in my name and ruins my chances of getting a loan, buying a car, renting an apartment or buying a home. 

This problem will never go away. And this affects 60 % of the adult population of America.