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

I have disputed information on my Equifax credit report multiple times and it continues to stay. XXXX XXXX XXXX  account is reporting 120 days late. XXXX XXXX  provided me an affidavit that they would correct their reporting and remove the 120 day late in XXXX of XXXX. As of XX/XX/XXXX the account was still reporting 120 days late. I disputed with Equifax while providing the affidavit and twice now they are continuing to report inaccurate information.
Complaint sub-issue: Problem accessing account

Not allowing either robo-investing/saving accounts to link to my PNC account. It's 2020, they should have a way of playing nice. I have previously tried to link my PNC account for usage with XXXX. I was unable to link it so that the " rounded '' amount could be transferred. However, I was unable to do so since PNC says they want " too much information ''. As a result I have since stopped using my PNC debit card and pivoted to using credit cards solely ( something I am sure PNC can attest to, and probably misses the fees associated with those charges ). I attempted to sign up for an account with XXXX as  well and have run into this issue again. 

It almost seems like PNC wants me to close my account and move to a more tech and future friendly bank.
Complaint sub-issue: Account status incorrect

XX/XX/XXXX to XX/XX/XXXX I have disputed items on my credit report with XXXX   and equifax. Equifax and XXXX are great companies this is the first time I have had issues with my credit report involving removing items. Equifax and XXXX are displaying incorrect information. There are also duplicate accounts on credit report when I only have one account. All accounts are closed because I filed Chapter XXXX. Some accounts were removed and then they reappear and then they remove them and then they reappear. Accounts that are closed are still open and showing that I missed a payment. I have asked that these accounts all be removed. Thank You.
Complaint sub-issue: Attempted to collect wrong amount

I received a letter from a debt collector, UNIFIN. I tried 3 separate times to solve a debt with them. I spoke to the 1st agent and gave them the reference # XXXX, I could not afford the payment options they offered, but the letter did state that if I contacted them they would try to work with me. I was offered to settle the debt for XXXX for {$1000.00}. Which I could afford, instead of the {$1400.00}. They took that money and applied it to another debt that I was not even aware of and does not appear on my credit report. I feel that this is fraud. I was promised a email receipt and never received one. My payment was on XX/XX/2020. I called on XXXX XXXX to complain that nothing had been reported to the credit bureaus yet and found out from another agent that there was not payment made for that account. It had been applied to a credit card account. I was shocked. I asked to have this money applied to the original debt as arranged, but I was refused. I asked for a manager. I spoke to a person by the name of XXXX and was told that they could give me a refund of the money and that was all. I was to receive it within 3-5 business days. It never came. I contacted them again on XX/XX/2020. Again I was told the same thing I would have to wait 3-5 days for a refund and I was given another apology. I do not trust this company to come through with their promise of a refund. I really need your help. All I wanted to do was settle a debt. Now I am out my money and still have a bad mark on my credit.
Complaint sub-issue: Need information about your loan balance or loan terms

My loans are currently being transferred from XXXX XXXX to MOHELA. While there is currently no record of my loans at XXXX XXXX, they have not yet appeared at MOHELA. This is a major problem for me because MOHELA continues to automatically reject my attempts to upload PSLF forms since I do not have a balance with them. I need to be able to submit those forms ASAP in order to get them in before the XX/XX/XXXX deadline for the PSLF Waiver.
Complaint sub-issue: Was not notified of investigation status or results

I have been trying to get items off of my credit report that are in violation of 15 USC 1692g. I reached out on XX/XX/21 about the violations and to date I have yet to hear back in regards to my disputes and it has been over 45 days. I feel as if my disputes are being pushed to the side and I am being taken advantage of. With laws in place stating I must be notified of my debt, I was not and I do not validate this debt as the original creditor. So these items must be removed as I am seeking litigation for defamation. I have even called in multiple times in order to see what is happening with my disputes to no avail and I have exhausted all my options.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX account # 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: Information belongs to someone else

There is a credit inquiry from XXXX that is showing on my account from XXXX. This is not mine and I have already contacted both XXXX and Equifax. 

It also shows XXXX as my employer, which is not.
Complaint sub-issue: Didn't receive services that were advertised

I got email from Credit karma saying I was pre approved so I filled out them it said I was denied it has happened twice and it messed up my credit score!
Complaint sub-issue: Their investigation did not fix an error on your report

I have filed several disputes regarding my credit concerns, and inaccurate info that's on my credit report.. It appears that no one is willing to comply.. I have provided proof of letters I been sending out to correct all the matters and concerns I have.. There has not been any results of changes or compliance.. This has become a burden to me and my family.. I will like to see some results base solely upon my disputes and matters I'm having on my credit report.
Complaint sub-issue: Threatened or suggested your credit would be damaged

On XXXX 2017 my credit report revealed HUNTER WARFIELD INC, a collection company had submitted a debt in the amount of { {$3100.00} } to credit bureaus. These credit bureaus are reporting said debt, which these individuals have no right to collect on anything that was not provided to me with basic protections under the FCRA. I was threatened with legal action and various other actions and threats after I requested validation and verification of debt owed and also willing to pay if the account amount was correct. But when I left the apartment complex I did not owe anything and I feel as if I am being harassed and forced into repaying a debt that I do not owe and was told by the property manager that nothing was owed. I feel this violates the safe collections practices and it does violate FDCPA. With this being on my credit report it is affecting my approval and credit score. Additionally, this collection agency may not have the authority to collect on said alleged debt. I want this removed off all three of my credit reports
Complaint sub-issue: Don't agree with the fees charged

Nelnet has been handling my student loans since XX/XX/XXXX. The original loan amounts totaled {$41000.00} with a 6.8 % interest rate. Since XX/XX/XXXX, I have paid over {$15000.00} toward my student loans. I just received a letter from the department of education dated XX/XX/XXXX that I owe them {$48000.00}. I checked my Nelnet account and it says the account was paid off with a {$48000.00} payment - which I am assuming is the department of education 's payment they are trying to collect. I contacted Nelnet about the fraudulent amount but they have not responded. They are trying to overcharge me by {$20000.00}! Please help!
Complaint sub-issue: Keep getting calls about my loan

Sallie Mae continued to contact my wife 's phone number after I specifically asked them to remove the number during a phone call regarding the student loan on XXXX XXXX. I had called them on this date to settle the account and attempt to pay in full. Between the dates of XXXX XXXX to XXXX XXXX, they contacted her at least 27 times, and again on Monday XXXX XXXX, she asked them to stop calling her. The evening of XXXX XXXX, I paid the account in full online and since the harassment has stopped.
Complaint sub-issue: Information belongs to someone else

This is my second written request for the removal or block of information that does not belong to me, my identity has been stolen and accounts had been open in my name, I have try to resolve this with credit reporting agencies, I have field a police report ( XXXX Police # XXXX ) an FTC ( IDTheftReport_XXXX ) report had been filed copies are attached. Please remove this account from my credit file.Please remove all none account holding inquiries, any address other than my current and send me copies of updated report. 
Thank you.
Complaint sub-issue: Their investigation did not fix an error on your report

I don't understand why these accounts are showing up with inaccurate information, this needs adjusting because it was not paid late, payments were made on time on XXXX XXXX   XXXX Since Equifax and XXXX couldn't help me, CFPB step up and fix the accounts asap
Complaint sub-issue: Account status incorrect

My name is XXXX XXXX and I have a XXXX debt forgiveness from Discover card in XXXX {$690.00}. I am trying to buy a house and Discover continue to report me with late payment today XX/XX/2018. I had called many times myself, even when my mortgage company and I called them they will not issue a letter stating that my account is closed even though they told me it is close and will not remove or stop reporting that I am still late. Could you please help me ... 
It shows a dispute was resolved but there is still an outstanding balance. The dispute is resolved and the resolution was she still owes the money. last reporting XX/XX/18 XXXX
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX without 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 heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Complaint sub-issue: Account information incorrect

On XX/XX/XXXX of XXXX my vehicle was involved in a accident to where it was totaled off and a settlement was reached an agreed-upon by all parties and my insurance company which is XXXX settled again and I repeat everyone excepted the settlement amounts and the document was dated XX/XX/XXXX the amount that was disbursed and settled upon was {$25000.00}. I have tried numerous times to have XXXX XXXX zero out this balance and to no avail originally the account was still open and they just charged it off this year in XXXX and no one from XXXX XXXX contacted me about the account. Once I noticed the bill open on my credit I contact them many times because I was inquiring why the balance was left open on my credit. I have gone to XXXX XXXX, I have gone to the dealership, and I have gone to my car insurance company XXXX  who paid off the balance they stated that XXXX XXXX provided them and accepted. XXXX XXXX can not come back to me after the fact inquiring for a balance. At the time of the accident I did have GAP Insurance XXXX XXXX did not file any GAP Insurance again they can not come to me billing me for something that they did not do.
Complaint sub-issue: Their investigation did not fix an error on your report

The credit bureaus are reporting negative information on my credit file without due diligence. They are using unverified information from a collection agency. The name of the collection agency is XXXX XXXX XXXX, XXXX. I put a dispute in and by law, the credit bureau should not be reporting negative information under investigation. They should have taken off until due diligence is taken. I sent a letter for validation to the collection agency and they continue to send me generic correspondences. I have sent certified mail with specific questions for them to answer because it is my constitutional right to know what the debt is and how much they paid to acquire said debt. Furthermore, I asked for any contractual agreement between me and said company XXXX XXXX. 
I also sent the credit bureau a certified letter stating my rights whereas they are reporting inaccurate information and should take it off my credit report because it is jeopardizing my ability to get a loan to help my children through college. 
It is an unfair practice for companies to be allowed to report negative information without proper validation. A statement ( a bill ) or a letter from originated creditor is not suffice as validation. I need for said companies to provide the law that states otherwise specifically. Also, would like for my certified letters to be answered directly and not given generic responses and still be liable for invalid information.
Complaint sub-issue: Account information incorrect

I am resending this to Carvana as they asked me to refile it with my information and email on file through there XXXX company.My name is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/68 and my email on file is XXXX, I purchased a vehicle through XXXX and a hour after purchasing it all the lights came upon inspection, the vehicle was deemed Un drivable, dangerous and extremely unsafe. In contacting the company, they refused to pick up the vehicle even though it shouldnt be driven..They promised to put me in another vehicleThey did but made me put down more money to get in another vehicle.Upon leaving this vehicle was squeaking, and shaking.. They told me to contact there repairs center, I did noone contacted me back.. I had to contact corporate for them to contact the repair center to contact me back.The repair center came out to repair the vehicle 3times and it still had issues. I spoke to XXXX XXXX, they made a contract stating I had till a stated date to turn in vehicle and receive my deposit back and that this wouldnt be placed on my credit as late or otherwise until after the date expired.This was done again and I was given a additional date. I became very XXXX and was and still am in the XXXX.My XXXX reached out to Corporate and XXXX and was ignored.The date had been extended to XX/XX/XXXX, and nothing was to be placed on my credit until after this date. I received a donation and tried using my checking account to pay for the vehicle, the wrong account information was on file, upon telling them this, I was told to ho online., chose payment and when it says checking, update information.However when doing so, it made the payment, I immediately advised them.. I received no response from XXXX or customer service. I sent in a money order and my order disappeared, I did a loss money order dispute and again contacted XXXX, the ceo, the vp and several other executives..XXXX XXXX is owned by Carvana and I reached out to them also, the ceo at XXXX ( XXXX XXXX and not one return contact.Upon getting alerts on my credit, The company had been putting my payments as late on my credit, during the contract time, even though it was stipulated in the contract that it wouldnt be done. I have a copy of the contract and have now had to hire a attorney because of the knowingly breach of contract that XXXX, Carvana and XXXX XXXX  have committed.. I also have another contract with different dates, updated and emails and calls between XXXX XXXX and myself
Complaint sub-issue: Can't decrease my monthly payments

Loan Relief LetterTo Whom It May Concern : I am concerned about the current amount of my student loan payments. I have XXXX distinct sets of students, XXXX from private providers XXXX Citibank and XXXX XXXX and XXXX consolidated batch from the XXXX XXXX XXXX XXXX. Here 's the breakdown : Monthly PaymentsCitibank : $ XXXX : $ XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX : {$1300.00} ( monthly ) Total Loan DebtDirect Sub Consolidation Loan : $ XXXX Unsub Consolidation Loan : $ XXXX : $ XXXXCitibank : $ XXXXTOTAL LOAN DEBT XXXX $ XXXX earn approximately {$4800.00} per month at my full-time job. This means that I am currently utilizing nearly 30 % of my monthly income on student loan repayment. This is an incredible burden that I will not be able to sustain for long. I work at a local educational nonprofit that diverts youth from the criminal justice system into a more comprehensive and holistic alternative to incarceration, so I hope to take advantage of the XXXX XXXX XXXX XXXX Program. That said, I need relief in the near term to even be able to afford regular monthly payments. Please advise. 

Thank you, XXXX XXXX
Complaint sub-issue: Personal information incorrect

I pulled my credit report and found that there are some items on my report that I dont not recall approving on my credit report. I requesting to freeze my XXXX XXXX, Sagestream, XXXX, XXXX XXXX. and any other reporting agency. Please do not unfreeze my report. if the information provided does show my current address ; XXXX XXXX XXXX XXXX, oh XXXX
Complaint sub-issue: Information belongs to someone else

Good afternoon, I am writing to delete the following information in my file. Also attached below are a list of the The items I need deleted. As well as the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report so I can move forward with my life. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Thank you!
Complaint sub-issue: Threatened to take legal action

I made payment arrangements XXXX week ago with pacific coast credit for XXXX a month on the XXXX of each month. I called today to make the payment early. They informed me that they could only accept XXXX $ a month and not the XXXX we had already agreed on. They refused to take my money and said they are going to take legal action against me if I didnt make the XXXX $ payment. I have never recieved a bill from these people. I have never recieved a call. I called them to settle the debt off my credit report that said the bill was XXXX $ but they added more saying it was XXXX {$.00} This is from 2009 mind you. Im in contact with a lawyer now because they have refused to accept the payment we already agreed upon. They already accepted a payment from me of XXXX
Complaint sub-issue: Public record information inaccurate

Equifax continues to report a public records item that their public records vendor ( XXXX ) has removed as of XX/XX/2018. This is a violation of the FCRA. I request this item be removed pending the obvious outcome of the investigation. I have provided proof from XXXX included in the communication.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am still not sure who / what this is " XXXX XXXX/XXXX/16 CBNA ''. I recognize the rest of the inquires.
Complaint sub-issue: Reporting company used your report improperly

Company : Equifax Equifax mishandled my information, which puts me and countless other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.
Complaint sub-issue: Billing problem

On XX/XX/2021 I made a {$27000.00} payment toward a new vehicle loan with US Bank. The total value of the loan was approximately {$29000.00}. 

US Bank withdrew {$27000.00} from my XXXX XXXX account TWICE, taking a total of {$54000.00} dollars. I have been in contact with US Bank at least three times a week since, and have been promised the money will be returned " in time '', and I simply have to wait. It has been three weeks, and I don't believe it is reasonable I should continue to have my funds withheld. 

Additionally, I have not received even an apology, or any indication I will be compensated for the interest I am losing on this money. However, I am continuing to to get invoices for my next monthly payment! 

I have filed a complaint with US Bank several times, each time being told someone would follow-up with me in 24-48 hours. I have never received a response. I don't believe US Bank intends to respond. 

I was originally told US Bank would return the funds last week via XXXX, and that did not happen. Supposedly a check has been issued, but it may have been placed in regular mail. US Bank clearly demonstrates it sees no urgency in returning these funds. 

I would like to receive a pay-off amount, without penalty, and close this loan. I do not wish to do business with US Bank any more.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

On XXXX of 2020, I reached out to XXXX regarding my credit card ending in XXXX & made a payment over the phone. At the time my account was a few days past due ( but less than 30 days ) so I incurred a late fee, which they were nice enough waive. I inquired if they offered a hardship program, they offered a 3 month deferred plan which I accepted. A few weeks later, I got an alert from a credit monitoring service ( XXXX ) notifying me of a late payment reported on XXXX of 2020 by XXXX. I called them immediately and disputed the late payment, they told me it was a mistake & it would be removed. Till this day when I call they agree to the situation but can not send me a letter to the removal of the late payment. I was enrolled in a hardship program with them that was 3 months long. All these conversations were on a recorded line. I don't understand why all the trouble. My credit since then has dropped and it has been difficult to obtain a mortgage. Pleae help me remove this late payment. Other than this I have exceptionable payment history and would like it to reflect as much. 
Thanks XXXX XXXX
Complaint sub-issue: Deposits and withdrawals

Citi Bank blocked my checking account on XX/XX/2021 without giving me a valid reason. Since then I have not been able to access my funds, online banking and my salary is stuck in this account. I tried calling their Fraud prevention team but they could not give me any specifics. They asked me to wait for 48 hours. 48 hours have passed and I have tried reaching out to their Fraud team but with no success. Meanwhile, I can not access my own money, can not pay my bills.