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

I went to a credit union to apply for a loan. My credit score with Equifax was XXXX. However, I noticed that my total Available Credit ( AC ) was {$750.00}, and my balance was {$290.00}. At that time my AC was {$1200.00}. My unsecured XXXX XXXX card for {$500.00} was not on the report. ( Now my AC is {$1900.00} ). The {$290.00} is way over the recommended 33 % of {$750.00}, which hurt my score. Having this corrected would get me a higher loan with a lower interest rate.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2022 i was contacted by a debt collector named XXXXXXXX XXXX XXXX, was insistently harassing me, yelling at me during calls when i simply told them by law they are not allowed to call me before XXXX XXXX since i work in TX now, im no longer in eastern time .They violated my right consumer right since they called me before the legal time which is XXXX XXXX, in XXXX time is central time which is one behind of eastern time.In addition to that, they tried to collect a debt that already written off in taxes of the original company .By law any charged off debts sold to a collection agency, its a violation and illegal to charge off a debt then trying to retrieve the payment from it. Any charged off debts become a taxable income to me, therefore .Since the collection agency violated my consumer right, i request to delete the negative report from my credit file.Also i request to provide documents bearing my signature to validate if that account belongs to me.
Complaint sub-issue: Investigation took more than 30 days

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 more then XXXX times nonstop this is exhausting 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 transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. 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 negative account its been XXXX 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 XXXX 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 homeless XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Complaint sub-issue: Didn't receive enough information to verify debt

( 1 ) The former compliant number XXXX The XXXX XXXX XXXX authorized IC system to settle by {$1800.00} of the total invoice {$3000.00}. But I didn't received the revised Official invoice in mail? I need those official revised invoice to make payment ( 2 ) I have attached of my insurance company paid Statement which shows the room and Boarding are duplicate charges? 
I need XXXX XXXX care to explain why had duplicate charges for the same period XX/XX/XXXX-XX/XX/XXXX for room and boarding? 
( see attached ) ( 3 ) I am keep one receiving a lot of doctor 's Bill separately? but according to the XXXX invoice statements they already charge the XXXX XXXX and XXXX XXXX XXXX Team?
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX/dept of ED XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX C 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: Personal information

Under Associated Addresses, Equifax report, wrong address is listed ... have never ever been to that state!!!
Complaint sub-issue: Information belongs to someone else

I sent a letter to XXXX Credit Bureau on XX/XX/2022 to removeACIMA CREDIT FKA SIMPL XXXX Balance : {$1700.00} that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any account or information not later than 4 business days after the XX/XX/2022 letter .Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again.,
Complaint sub-issue: Card was charged for something you did not purchase with the card

Around the end of XXXX ( XXXX ) I received a call from Citi Card collections. ( Ive been an excellent customer and have NEVER missed a payment ) - so imagine my surprise when they called. 
XX/XX/XXXX Id called Citi and let them know that I was getting divorced and needed my card shut down to ensure that my ex ( or anyone for that matter ) wouldnt be able to pass any charges through and that I also was going to pay the balance off in full which I did on that same days. 

Citi sent me a new card and I never activated it or anything. In effect, I ensured the balance was {$0.00} and never touched the new card theyd sent. 

The collector was able to transfer me to the fraud department where they assured me theyd open an investigation after they asked me about a few charges and I confirmed they were indeed fraudulent. 

Well, several days later ( XX/XX/XXXX or XXXX ) I received another collections call - after a very frustrating call with a fraud representative I asked to be transferred to a supervisor who had a much better grasp of the situation- who again assured me that all charges incurred would be reversed - and AGAIN they closed the second card and issued me a NEW card number. 

Well, today, XX/XX/XXXX, I got another collections call - so again, I got transferred to fraud. Most of the charges she read to me were the original ones that Id disputed. It seems there is one charge from XXXX that came through on the XXXX - so what that wasnt included when I paid the balance on the XXXX - Citi wasnt able to answer. 

Overall, Im frustrated with the lack of resolution from Fraud, and the numerous calls that Ive had to make.
Complaint sub-issue: Investigation took more than 30 days

This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 


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
Complaint sub-issue: Cashing a check

I had a sopite open with CITIBANK XX/XX/XXXX for 4 transactions by the same person. {$110.00}, {$300.00}, {$280.00} and {$50.00}. 

I complained to CFPB about Citibank closing my case due to not having documents when I have transaction verification report proof I sent it. 

I closed my account at CITIBANK due to money being taken out constantly. 

On XX/XX/XXXX I received 3 checks from CITIBANK in the mail : {$110.00}, {$300.00} and {$280.00}. I called the response unit regarding this and they still until this day havent gotten back to me. I called Citibank DISPUTE center regarding this on XX/XX/XXXX to ask if this is PROVISIONAL or PERMNANET because I did not want to cash it if it was provisional. 

On a recorded line XX/XX/XXXX at XXXX I was told this was PERMANENT and not provisional, it was safe to put it into my bank and that the case was closed. 

On XX/XX/XXXX at XXXX I was told this was PERMANENT and not provisional, they got the money back from the merchant and the case is closed. I reiterated IS IT SAFE TO CASH OR WILL IT BE TAKEN AWAY? He said no, it is permanent and go ahead and cash. 

So I went ahead and cashed it. 

Today XX/XX/XXXX I received another {$300.00} check in the mail so I called CITIBANK to ask what this is for because I had already received my money and was this for something else ... they couldnt figure it out but told me that the money I got via check that i was told by multiple people that it was PERMANENT not PROVISIONAL ; that it was in fact provisional credit and not permanent ... that my case is still being investigated and the money can be reversed ... 


On recorded lines with CITIBANK DISPUTE, I was told this money was permanent and safe to spend/use and that my case was closed ... 

On a recorded line from MULTIPLE sources I was told the same thing and now its false information ... 

I am very upset and wanting to bring a lawyer into this as I was given misleading information on a recorded line and no one has done anything about it.
Complaint sub-issue: Account status incorrect

upon reviewing my credit report I discovered a XXXX XXXX XXXX XXXX  that is reporting inaccurate information reporting 30 day late payments for XX/XX/XXXX and XX/XX/XXXX thus causing me great hardship and damaging my credit score the card is reporting late to XXXX, XXXX and EQUIFAX I have called them several times I spoke with manager named XXXX XXXX ID XXXX on XX/XX/XXXX he confirmed that no late payments where made in XX/XX/XXXX or XX/XX/XXXX he they the incorrect information would be updated and upon checking it still has not. I want I need this information updated As Soon As possible these accounts need to be updated as paid as agreed and opened on time. upon reviewing my credit report I discovered a XXXX XXXX XXXX XXXX that is reporting inaccurate information reporting 30 day late payments for XX/XX/XXXX and XX/XX/XXXX thus causing me great hardship and damaging my credit score the card is reporting late to XXXX, XXXX and EQUIFAX I have called them several times I spoke with manager named XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX he confirmed that no late payments where made in XX/XX/XXXX or XX/XX/XXXX he they the incorrect information would be updated and upon checking it still has not. I want I need this information updated As Soon As possible these accounts need to be updated as paid as agreed and open on time monthly payments show on time that I attached but the reporting is inaccurate
Complaint sub-issue: Information belongs to someone else

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX 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 XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX/XXXX and XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 5, 6, 7, 8, 9, 10 and 11 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to XXXX. This incorrect reporting is harming my credit scores. Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Complaint sub-issue: Was not notified of investigation status or results

" My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy from my credit report immediately. 
"
Complaint sub-issue: Information belongs to someone else

I started noticing some inaccuracies on my credit report. Then I started sending letters to the companies and the credit bureaus but after about 6-8 frustrating months of sending letters and evidence of what was going on. I did not get any answers. Now I decided that I need to send a complaint to the Cfpb. 


So, over the last 6-12 months, I have been active in disputing XXXX/XXXX XXXX Account # XXXX XXXX/XXXX Account XXXX Both listed on my credit report that are not mine. I have provided proof that these bills belong to someone else and have not been able to get the accounts removed. the credit reporting agency continues to say that the account has been verified, but will not provide the information of verification, when asked they come back and say updated or verified I feel as though XXXX is not doing a real investigation on this matter because if they did, they would see these inaccuracies and delete these accounts from my report. I have clear proof of all my disputes. 


XXXX XXXX Account # XXXX as of XX/XX/XXXX up until XXXX/XXXX/XXXX they keep reporting that this account was being paid in XXXX of XXXX up until XXXX of XXXX then charged off in XXXX of XXXX but how can that be if the account was 150 days late in XXXX of XXXX? Also, how can I go from paid on time in XX/XX/XXXX then charged off in XX/XX/XXXX? Finally, when I look at the date last active for XXXX it says XX/XX/XXXX, for XXXX says XX/XX/XXXX, and XXXX says XX/XX/XXXX this account has been re-aged and clearly a violation. Please help clear this off my credit report. 

I also saw another account from XXXX/XXXX Account XXXX that states that this account was " certified as accurate '' How can this be since I have been asking that all the information for this account be accurate. But as I write to you now its in error and I have been disputing this account since XX/XX/XXXX. 


Also, XXXX : ACCOUNT # XXXX I asked for the information that showed that I was late but no answer. I just want to make sure my credit report is accurate. They have stated I was 30 days late twice. But my bank account shows that I paid them. Please have them update these late pmts to paid as agreed FEBLOAN Acct # XXXX This account started at 90 days late and all of my records show that I paid as agreed. Please update all months to paid as agreed because this is hurting my credit score. Moreover the payment history is in error and I have tried to dispute with this with Fedloan and XXXX but to no avail they did nothing.
Complaint sub-issue: Their investigation did not fix an error on your report

This is my XXXX complaint regarding these inaccurate accounts on my credit report. I wasn't notified if these accounts were verified or not. Please investigate this existing issue and remove these inaccurate accounts from my credit report.
Complaint sub-issue: Was not notified of investigation status or results

I have sent letters requesting documentation about accts if theae accts are verified i would like documentation that they received to verify sent to me for verification. These accounts are incorrect and Equifax. Has not removed info or verified information like i requested. There is a bankruptcy and 2 XXXX XXXX acct. All i asked for is for this information be verified and if not remove items.
Complaint sub-issue: Account status incorrect

I have federal student loans owned by the US Dept of Education and managed by XXXX XXXX. On XX/XX/XXXX, Congress passed the CARES act providing for a temporary forbearance on federally-owned student loans ( the " pandemic pause '' ). As of today, no payments are owed until XX/XX/XXXX -- the date payments resume. 

Although no payments had been owing and due under the CARES Act, I had made some payments on my student loans during the pandemic pause. The CARES Act allowed borrowers to request refunds of any student loan payments during the pandemic pause Pursuant to the CARES act, I requested such refund. Particularly, since President Joe Biden had issued an Executive Order forgiving up to {$10000.00} of federally-owned student loan debt. 

In or around XX/XX/XXXX, XXXX marked me as having been late on 63 payments. However, no payments had been due given the CARES act. My credit score dropped over XXXX points due to falsely reporting of delinquency. Upon discovery, in XX/XX/XXXX, I immediately contacted XXXX and disputed the false reporting of delinquency given the CARES act. XXXX responded that they are marking all such accounts as delinquent as they " wait to see if this thing survives the courts ''. XXXX misunderstands the difference between the CARES Act ( which postponed payments due to the pandemic ) and Joe Biden 's student loan forgiveness program ( which purports to forgive student loan debt ). Even if Joe Biden 's student loan forgiveness were to somehow be struck by the Courts, the CARES Act is an act of Congress that postponed student loan payments. As such, I could not be delinquent on 63 payments that had not been owing and due until XX/XX/XXXX. 

In addition, XXXX 's conduct is contrary to other federal student loan services. My wife 's federal student loans are managed by XXXX XXXX, and XXXX XXXX did not mark her accounts as delinquent ( presumably because XXXX XXXX understood and complied with the CARES act ). 

I contacted XXXX and requested that the false reporting of delinquency be immediately corrected. XXXX refused. XXXX stated, to the effect, they did not care as they had been ending their contract with the Department of Education as of XX/XX/XXXX. 

Setting aside that no payments were owed, I received no documents from XXXX addressing the alleged delinquency. If I had actually missed payments, I would have expected to recieve a letter regarding the missed payments. I suspect XXXX issued no written correspondence because they know no payments were owing and due, consistent with the CARES Act over the past two years.
Complaint sub-issue: Their investigation did not fix an error on your report

This account has been reported on my account for over 8 years for XXXX XXXX
Complaint sub-issue: Information belongs to someone else

There is an account from XXXX XXXX/ XXXX  account number XXXX which is on my credit report and does not belong to me. I have tried to dispute with the credit bureaus but am not able to dispute online with XXXX due to security reasons. Equifax document upload would not allow me to upload documentation. 
The credit bureaus have made it very difficult to correct errors on my report due to technical difficulties with their websites. 

I need to dispute this account as it does not belong to me. I contacted the collection agency responsible and they sent me a notification this would be corrected and I need to ensure it is corrected immediately.
Complaint sub-issue: Transaction was not authorized

This complaint is a follow up complaint to my previous complaint that I had filed against Citibank. Yesterday On Thursday XX/XX/2020I received a letter in the mail from Citibank which states their final results into there 90 day resolution to track down and recover my XXXX dollars plus that was stolen directly from my Citibank account they provide a paper which shows their is no authorization for the transactions and amount stole at the bottom of the paper it states if you agree to these charges and total please sign here there is no signature because I did not authorize those charges. It doesn't even make sense for Citibank to provide me with what they call " evidence '' and it proves my point that there was no authorization! That's why the company does not have my signature or approval on any of their paperwork that states the amount they stole from me. ( Attached to this complaint is the 2 pages Citibank sent to me via mail ) Citibank needs to return my money that they allowed to be stolen from me. EVEN WITH THE PROOF THAT XXXX XXXX XXXX  PROVIDE CITIBANK WHICH SHOWS THAT I DID NOT AUTHORIZED ANY OF THE CHARGES CITIBANK STILL REFUSES TO RETURN MY FUNDS!!!
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 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 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 XXXX 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 n 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 XXXX XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Their investigation did not fix an error on your report

As of today   XXXX   XXXX   XXXX  ,  XXXX  shows an open account with  XXXX   XXXX  with an outstanding balance of {$810.00}. They show this account was initially reported as of   XXXX   XXXX   XXXX       I have received no bills, and have no idea what this is for. I have confirmed with the  XXXX   XXXX   XXXX  at  XXXX  that I owe no balance to them. That all charges that would appear as  XXXX   XXXX  have been paid and no balance outstanding since  XXXX .