Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem lowering your monthly payments

I requested assistance under their COVID-19 guidelines posted on their bill payment website. I was allowed to defer 2 monthly payments under the CARES Act. Citibank then turned around and reduced by credit limit my more than one half the original limit. By doing this it now reflects on my credit report I'm at 98 % usage on the credit card. Citibank purposefully adversely affected my credit report without telling me they would do this. Their excuse was my payments were lower than expected. However, I made every minimum monthly payment on time the last several years and 100 % of the time made more than the minimum payment required.
Complaint sub-issue: Was not notified of investigation status or results

This letter is formal notice that Credit Bureaus have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires them to respond within thirty ( 30 ) days, yet they have failed to respond. 
I am maintaining a careful record of my communications with them for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 

The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : 1. The wrong amount is being reported XXXX/XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. I was NEVER LATE on this account.
Complaint sub-issue: Funds not received from closed account

This is a follow up on XXXX. The Citibank claims that they have already closed my account and I should receive the my fund of {$200000.00} within XXXX  days from. It has been XXXX days now and I am still not receiving my money back. I was trying to contact their Citi XXXX XXXX XXXX but the problem is still not resolved. The last time I got the response from the Citi was that the fund will be returned to me within XXXX weeks on XX/XX/22 but it didn't happen.
Complaint sub-issue: Information belongs to someone else

inaccurate information on credit report. This is a FTC violation XXXX XXXX on XX/XX/XXXX {$13000.00} - FTC violation XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX {$2300.00} -FTC violation XXXX  XXXX on XX/XX/XXXX {$3900.00} -FTC violation XXXX XXXX on XX/XX/XXXX {$5700.00} - FTC violation XXXX XXXX card on XX/XX/XXXX {$21000.00} - FTC violation XXXX cXXXX XXXX on XX/XX/XXXX {$21000.00} -FTC violation Contact all above companies to have inaccurate information remove. Have made attempts, no response.
Complaint sub-issue: Personal information incorrect

I have disputed addresses and names that are not associated with me and due to the fact of being associated with fraudulent accounts the information is confirmed correct by the reporting agency its only one name XXXX XXXX XXXX XXXX that should be associated with me as well as one address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX nc XXXX ) is the only address that should be associated with me
Complaint sub-issue: Account status incorrect

The name of my only checking account card that I have had for DECADES changed a few years ago and that was interpreted as a change in credit thus saying I had a relatively SHORT credit history!
Complaint sub-issue: Account information incorrect

In XX/XX/2018 I received an alert from XXXX XXXX about a Hard Inquiry in XXXX section from Best Buy ( Citibank ) and from that day I called 7 times indicate that someone try to get a credit card on my name. I already have credit from long time with Best Buy is make no sense asking for another card. They said all the time don't worry, we gon na fix it but nothing happen and cost me affecting my score. I talked with XXXX  and they give me your info to work this and clear this info. Let me know please how handle this.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX, Equifax and XXXX  are reporting 1 derogatory account on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting this account or if this account even belong to me. I have sent 4th 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: Received bad information about your loan

18 U.S. Code Chapter 47 - FRAUD AND FALSE STATEMENTS Federal fraud law is defined under 18 U.S.C. 10011 as knowingly and intentionally doing any of the following : Falsifying, concealing, or covering up by any trick, scheme, or device a material fact ; Making any materially false, fictitious, or fraudulent statement or representation ; I never asked for a release authorization form, I never signed a release authorization form, Nelnet never sent me a release authorization form, I never completed a release authorization form there fore Nelnet never received a release authorization form from me. 


( XXXX ) To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX WHAT! 

I never asked for or signed a release of authorization form. 

A release of authorization form for what? 

I have no idea what you talking about! 

Is this NELNET continuing commit more fraud? 


-- -- -Original Message -- -- - From : XXXX To : XXXX XXXX Sent : Fri, XX/XX/2022 XXXX XXXX  Subject : Re : Release of Authorization XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX PA XXXX XXXX XXXX I never asked for or signed a release of authorization form. 

A release of authorization form for what? 

I have no idea what you talking about! 

Is this NELNET continuing to committing more fraud? 






-- -- -Original Message -- -- - From : Nelnet XXXX XXXX XXXX To : XXXX XXXX Sent : Fri, XX/XX/2022 XXXX XXXX  Subject : Re : Release of Authorization Untitled Dear XXXX XXXX Thank you for contacting Nelnet XXXX 
We have received your release of authorization form, and added XXXX XXXX to your account. If you do not wish to have this person or entity listed as someone Nelnet is able to discuss account specific information with, please contact us as soon as possible. 
Were here for you when you need us. If you have any questions, please call us at XXXX or visit Nelnet.com. 

Sincerely, XXXX XXXX. 
Nelnet XXXX # XXXX
Complaint sub-issue: Was not notified of investigation status or results

I was never late on this account.
Complaint sub-issue: Was not notified of investigation status or results

After sending information to verify myself with my disputes on XX/XX/XXXX, Equifax has not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation. If I must, I will take legal action but I want to create a paper trail. Please see items below ACCOUNTS XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX   XXXX not mine INQUIRIES XXXX XX/XX/XXXX unauthorized XXXX   XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX  XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXXXXXX XX/XX/XXXX unauthorized
Complaint sub-issue: Company closed your account

The company closed the account in XX/XX/2016 and never ask me for anything. The last few weeks I start getting some phone calls from collections agency regarding the debt but I never received any notification that my debt was in collection. I getting harassment calls and settlement letters. I have to block all the unknown numbers and XXXX from my phone to be able to keep doing my own work.
Complaint sub-issue: Card opened as result of identity theft or fraud

I received an alert from XXXX XXXX letting me know a cc card was opened with a {$9200.00} limit on XX/XX/2021. I did not open this acct. My first disputed stated i did not know this account and they refused to close and remove this. I did not open this account.
Complaint sub-issue: Card was charged for something you did not purchase with the card

Today XX/XX/2021 some ones calling me that he is from citibank card he said that my new citibank card is for delivery the next day.Then he ask my card expiry and the other 3 digits number of my card.Then he said that citibank has freebie and give away. First he transact the XXXX amounting to XXXX, he said that this is the give away of citibank I can use this for shopping online or in Dept. Store. After a seconds citibank send me otp and he ask for the otp which i give then i ask what happend why it charged to my credit card he said that XXXX will pay to citibank. Then second is XXXX voucher amounting to XXXX with charge XXXX..same as what he say about XXXX.I can used this for food ordering with 1 year expiry.Again citibank send me otp.And he ask for it. Total amount is XXXX..I was hypnotized by that time..I dont know why i gave that information to him..After the call I realized that what is that.I back read the text of citibank and call the citibank but the transaction was already done..Just a min after the transaction I call the bank but its very difficult to call the bank it took an hour before I reached them but sad to say they cant help me anymore..I ask them to stop the transaction but they can't..I call again to ask help but they cant help me to stop the transaction anymore..I was very sad and lonely.Im just in the house but i was scam. This is the number that he used to call me XXXX. I hope you can help me.I am an ordinary employee that suffers this pandemic, I work only 4 times a week. I dont know where i get to pay this amount.I hope you can help me to solve this problem. Please please help me.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On approximately XX/XX/18 when checking my credit report i noticed an unauthorized hard inquiry from XXXX on BOTH my Equifax nad XXXX credit report that i did not AUTHORIZED. 

I spoke with the XXXX Fraud department by phone once i was notified of these unauthorized hard inquires. 

after being asked security questions by XXXX i was told they will contact the Credit bureaus and have those Hard Inquiry 's removed and my report will reflect that in 30 days, it have been 3 months and it appears i was lied to and deceived by XXXX. 

They did not remove those unauthorized hard inquires from Equifax and XXXX but allowed it to stay to intentionally hurt my credit score. 

I contacted both Equifax and XXXX on XX/XX/2018 and was told XXXX never contacted them.
Complaint sub-issue: Reporting company used your report improperly

I XXXX XXXX sent in a notarized debt validation letter via usps with ceritfied mail with signature receipt # XXXX XXXX XXXX XXXX. Which was signed by a XXXX XXXX on XX/XX/2021. I sent in a debt validation 15 US Code 1692 ( g ) ( 4 ) ( 5 ) ( b ) request a signed and contract between Americollect XXXX XXXX, XXXX XXXX XXXX WI XXXX. AMERICOLLECT was asked by the consumer to remove damaging information from my credit file upon receipt of my letter. Since sending in my debt validation letter to AMERICOLLECT they have sold the debt to a different debt collection company however still furnish misleading and demanding information to my credit files.As per 15 US Code 1692 ( a ) ( b ) ( f ) abusive deceptive and unfair debt practices by a debt collector. 15 US Code 1692 ( f ) ( 1 ) unfair practices. I am seeking remedy for these damages as per 15 US Code 1692 ( k ) Civil liabilities ( 2 ) ( A ). Not responding in a time fashion to my communication attempts to remedy this issue. OTHER VIOLATIONS WARNING 15 US Code 1611. I contacted XXXX to have the information updated and or removed to no avail.Waiting on this company to comply with the comsumer and remove or update files and to stop furnish this damaging information.
Complaint sub-issue: Reporting company used your report improperly

According to 15 U.S.C 1681a Definitions ; rules of construction XXXX XXXX XXXX and XXXX XXXX XXXX is in violation of my rights. 15 U.S.C 1681a states that for an account to be furnished on my consumer report the furnisher must disclose to me that an account may be furnished on my consumer report and I must be given the opportunity to direct whether such information can be furnished. XXXX XXXX XXXX and XXXX XXXX XXXX has NOT given me the opportunity to direct such information, furthermore XXXX XXXX XXXX has not followed the correct eviction procedure on several occasions. XXXX XXXX Apts failed to provide me with an eviction notice or quit and leave notice, they also failed to completely evict me as only half of my belongings were moved to the curb from the third floor, the sheriff officer and movers stole small items as they allowed me to get a moving unit as a result my family and myself were XXXX after being told that coporate and the front office would be of assistance with adjusting rent payments due to going the entire winter with no heating unit and also large holes in the cabinets. As a landlord they are required to provide suitable living environments for their tenants to be in compliance with federal laws.
Complaint sub-issue: Reporting company used your report improperly

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.

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: Credit inquiries on your report that you don't recognize

This is a HARD INQUIRY REMOVAL request. There are 9 unauthorized inquiries that need to be removed from my equifax report. I have sent in multiple letters and complaints. 
Dates : XX/XX/20 XX/XX/20 XX/XX/20 XX/XX/20 XX/XX/20 XX/XX/20 XX/XX/20 XX/XX/20
Complaint sub-issue: Application denied

I submitted an application for a Discover credit card through their website on XX/XX/XXXX. As part of the process, they noted that they need additional information to approve the card and to confirm my identity, all of which is understandable. 

However, the information they wanted was a hard copy of my Social Security card, which was issued to me ( I believe ) in XXXX or so. There's no way that this helps them in their process, and I can't understand how many applicants would actually have a decades-old card that proves nothing. 

To add to the problem, they requested this information after they ran the credit check on my account - and will now send me a letter saying my application was rejected. 

( And I've been a customer of their banking side for a number of years. ) I've applied for a lot of credit ( including mortgages ) over my career, and I've never been asked for this information previously. 

Discover listened to my concerns and complaint but could/would not offer any resolution.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recently received a copy of my   XXXX   credit report and I notice there is an unauthorized credit inquiry made by each of these creditors. I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into each creditor inquiry to determine who requested this credit inquiry.   If you find I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed.   If you find that I am in error, then please send me proof of this.   Thank you in advance,  XXXX   XXXX   XXXX
Complaint sub-issue: Debt was result of identity theft

Equifax is a XXXX organization that nourishes off destitute XXXX American consumers. NO! XXXX Lives do not matter to them when they are complicit with collection agencies to deceive consumers. In particular, XXXX American consumers. I have begged them to remove XXXX XXXX XXXX XXXX and XXXX XXXX XXXX from my credit file. I have told Equifax for years that these two tradelines are one of the same and fraudulent. The auto dealership owner has been put in jail, and the city of XXXX, Georgia, has closed the business due to severe criminal activity. Equifax is very aware of this dealership. Yet, they have made a reckless decision to put profit over the welfare of me, the innocent consumer. Somebody stole my identity and fraudulently used it, and Equifax, this XXXX and corrupted organization, stubbornly refuse to make the appropriate gesture in good faith by removing those fraudulent items. When will Equifax be punished for their corrupt commotions? I went through the Consumer Financial Protection Bureau to prove my case, and Equifax still refuses to remove these fraudulent tradelines. It is regrettable!
Complaint sub-issue: Investigation took more than 30 days

I sent a dispute letter to Equifax on XX/XX/2019 via certified mail that was recieved by Equifax on XX/XX/2019. I did not recieve anything via email, phone, or mail from Equifax in the 30 day required time frame for the investigation. I sent another letter to Equifax on XX/XX/2019 via certified mail informing them that they had not responded in the 30 day window and must remove the negative item I was disputing in the first letter, and were in direct violation of FCRA. I still have not recieved any email, phone call, or mail regarding this matter from Equifax and they have not removed the negative item from my credit report. That item is very much hurting my credit score and Equifax is in direct violation of FCRA punishable by a fine of {$1000.00}.
Complaint sub-issue: Debt was result of identity theft

This dispute is in response to mailed correspondence from your firm to collect a debt that I contend was not opened by me. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX XXXX XXXX  / ERC is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. I require verifiable proof ( an original Consumer Contract with my signature ). I require this physical verification within the next 30 days during which I request that XXXX XXXX XXXX XXXX / ERC cease and desist all collection efforts. Reporting this debt to credit reporting agencies without proper verification would negatively impact my ability to obtain credit and my next course of action will be litigation. If verification is not received within 30 days of this dispute under FCRA, unverified account reporting must be remove from all of my credit reporting agency reports.
Complaint sub-issue: Account terms

I tried to get a copy of my credit report on yesterday, and was surprised at what is there that I personally do n't recognize. There are XXXX items without explanation that are not valid I am sure : Credit XXXX XXXX, Washington XXXX XXXX phone no., XXXX XXXX ; Debt recovery XXXX, XXXX merchant XXXX XXXX, NY XXXX, phone XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Account XXXX, dates XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XXXX, and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX, phone XXXX XXXX XXXX, XX/XX/XXXX.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I was contacted by a Mr. XXXX on the behalf of XXXX & XXXX apartments. This was end of XXXX to late XXXX early XXXX. I stated to him that I did n't owe them anything I was never presented with a bill after I returned my keys. He then stated to me that it would go on my credit report and I would n't be able to rent another apartment. XXXX XXXX or XXXX. I received a call from my aunt who was a cosigner when I first signed my lease with XXXX & XXXX, but she did n't sign when I renewed my lease with them. She stated that this XXXX guy has been calling her about a debt I supposedly owed to this apartment company. I stated to her that she should n't have gotten any calls because her signature was only on the first year that I stayed in the apartment. I called Mr. XXXX over 6 times. When he finally answered I stated my name and went on to ask why would he contact my aunt and she had nothing to do with my business because she did n't resign the lease when I renewed with this apartment complex, so she should n't have been contacted. I stated that he has disclosed personal information and asked could I speak with his supervisor he stated no and hung up in my face. I called back repeatedly he finally answered I stated that he waa rude and unprofessional and asked could I speak with a supervisor. He transferred me to another man. I stated my name and what I was calling for he too was rude. I repeated how mr. XXXX was very rude and how he has been contacting my aunt and informing her on information that has nothing to do with her because she only signed for the first year of my lease. He stated to that he was n't aware of what transpired between mr. XXXX and I and how do I want to settle my account. Still speaking in a even tone my voice is slightly elevated but not screaming. I said to him so after all that I said to you Thats your response. He then proceeded to tell me that my aunt was contacted because she was the guarantee on the lease so she is liable. I said no that not right because she never put her signature on the new lease that I had so how can that be. I then asked to speak to his supervisor he told me repeatedly and he too hung up in my face.