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

I have always been on XXXX deferred payments because of my income and I updated and certified each year but in XXXX they put late payments on XXXX XXXX and XXXX I have never had a real payment with fed loan services since I started tell now XXXX I try to call them they dont wan na help me at all they said I never certified which I did
Complaint sub-issue: Their investigation did not fix an error on your report

On XXXX XXXX XXXX reported XXXX XXXXXXXX XXXX account as a delinquent account which was incorrect. Prior to XXXX XXXX that XXXX XXXX XXXX  account was a {$0.00} balance I paid my full balance to XXXX XXXX prior to this account being reported to the credit bureau. This account should have never been reported on my credit report. It was never delaying or charged off. XXXX please update the status and remove this sacking from my credit file immediately. I will seek advice from an attorney you all reporting incorrect information to just get paid for a delinquent account. XXXX reported in accurate information. XXXX XXXX XXXX XXXX is fully aware that my account balance was {$0.00} prior to XX/XX/2022 and I will be suing them as well if this removed from my credit file immediately
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/XXXX, I disputed an account on my credit report ( XXXX XXXX XXXX XXXX to XXXX, XXXX and Equifax. I did get a response stating that the account was deleted. I disputed this account and duplicate account on XX/XX/XXXX and still did not get a response. I also asked for this account to be reinvestigated within 30 days. As of today XX/XX/XXXX, this same account has reappeared on my credit report when it was previously deleted. I have had this happened to me numerous of times with other accounts I have been disputing over the months as well far as renaming the account but still using the same account number for the account that was already removed as well. Please delete this account, ( XXXX XXXX XXXX XXXX from my credit report immediately and permanently. This account has not been resolved in over 90 days from my very first dispute.
Complaint sub-issue: Account information incorrect

it reports My balance at XXXX. it is only XXXX Paid XXXX and XXXX Both Cleared. Caused my Report to Go down by 43 Points. Called they Say they Cant do anything to Fix.
Complaint sub-issue: Reporting company used your report improperly

So I have been in dispute with XXXX Equifax and XXXX about these erroneous accounts they have allowed to report on my credit report with out my knowledge and permission. so after months being ignored I did my own research and I found that the according to the Fair Credit Reporting act these accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX Account # XXXX XXXX of TX Account # XXXX XXXX XXXX  XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX : XXXX of texas XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX an # XXXX XX/XX/XXXX now the following are the laws that were violated as stated in the Fair Credit Reporting Act. 

15 U.S.C 1681 section 602 A : I as the consumer have a right to privacy 15 U.S.C 1681 604 A Section 2 : A consumer reporting agency can not furnish a account without my written instructions to do so. ( I did not give written instruction to do so ) 15 U.S.C 1681c ( a ) ( 5 ) : no consumer reporting agency may make any consumer report containing any of the the following items of information : Any other Adverse item of information, other than records of convictions 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: Information belongs to someone else

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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: Was not notified of investigation status or results

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Chapter XXXX Bankruptcy Case Number : XXXX 2. XXXX Date of inquiry : XX/XX/XXXX 3. XXXX Date of inquiry : XX/XX/XXXX 4. XXXX Date of inquiry : XX/XX/XXXX 5. XXXX XXXX of inquiry : XX/XX/XXXX 6. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX 8. XXXX XXXX Date of inquiry : XX/XX/XXXX 9. XXXX Date of inquiry : XX/XX/XXXX 10. XXXX XXXX of inquiry : XX/XX/XXXX 11. XXXX Date of inquiry : XX/XX/XXXX 12. XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 13. XXXX XXXX of inquiry : XX/XX/XXXX 14. XXXX XXXX of inquiry : XX/XX/XXXX 15. XXXX XXXX  Date of inquiry : XX/XX/XXXX 16. XXXX XXXX Date of inquiry : XX/XX/XXXX 17. XXXX XXXX of inquiry : XX/XX/XXXX 18. XXXX XXXX Date of inquiry : XX/XX/XXXX 19. XXXX Date of inquiry : XX/XX/XXXX 20. XXXX Date of inquiry : XX/XX/XXXX 21. XXXX XXXX F Date of inquiry : XX/XX/XXXX 22. XXXX XXXX  Date of inquiry : XX/XX/XXXX 23. XXXX XXXX Date of inquiry : XX/XX/XXXX 24. XXXX Date of inquiry : XX/XX/XXXX 25. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Complaint sub-issue: Frequent or repeated calls

They call me and demand over {$700.00} in medical Bill 's. Say they can give me 40 % off if I pay it through them, and not to pay the hospital to pay them instead.
Complaint sub-issue: Information belongs to someone else

Equifax is refusing to remove/block fraudulent accounts from my credit report after being properly disputed and shown a proper identity theft report. I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft : XXXX  - Opened XX/XX/XXXX - {$41.00} XXXX - Opened XX/XX/XXXX - {$130.00} XXXX XXXX XXXX - Opened XX/XX/XXXX - Account # XXXX - {$3300.00} XXXX XXXX ( XXXX XXXX ) - Opened XX/XX/XXXX - {$65.00} XXXX XXXX ( XXXX ) - Opened XX/XX/XXXX- {$540.00}
Complaint sub-issue: Didn't receive advertised or promotional terms

HOME DEPOT Online On XXXX XXXX I was looking at an XXXX $ item on homedepot website. Below the add to cart button there was a message stating my price would be XXXX $ for a new account promo if I applied for, and used the HOMEDEPOT credit card. I did so, was immediately approved, however after adding the item ( XXXX XXXX XXXX  XXXX ) to my cart along with the promo code, it only applied a {$25.00} credit. 

I contacted HomeDepot and was told that the {$100.00} credit were only for orders over {$1000.00}. I requested to be made whole by having the card canceled and the inquiry removed from my credit report. I was told they could cancel the card but not remove the inquiry from my credit report. As they refused to remove the inquiry, i requested they leave it all as is until I could contact a consumer advocate. 

I feel this is an unfair and deceptive practice that has resulted in an impact on my credit report for an account I applied for under false advertisement. I would like to be made whole. 

Most Sincerely,
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, the below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

The following have violated my rights : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 1681 section 602 A. States i have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 also states consumer reporting agency can not furnish an account with my written concern.

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: Attempted to collect wrong amount

I owed a medical bill to XXXX XXXX and they sent to collection agency. The amount owed was XXXX and collection agency continually increasing the amount and reporting on credit report and I made a payment to them for the bill and was not shown on credit report and did not apply toward bill. I just paid directly to XXXX XXXX the remaining balance minus the money already paid to collection agency.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting XXXX XXXX  account # XXXX act has violated my rights. 15 U.S.C. 1681 section 602 A. states I have the rights to privacy 15 U.S.C. 1681 section 604 A. section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX is now reporting I owe {$36000.00} on a debt that's been discharged on XX/XX/19. This is a violation of my rights.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have contacted Equifax several times over the past two to three months advising them that there were multiple requests for my credit file ( inquiries ) that I do not recognize or recall authorizing. Equifax has refused to remove the information ( inquires ) stating that it is a factual record. I have submitted written documentation requesting for these inquires to be investigated and Equifax again, refused to remove the information. I have notified Equifax that my information was compromised by a security breach from the federal government which was a previous employer and Equifax still refuse to remove the information. I have sent verification of my identity and requested in writing for this information to be removed and Equifax has refused to do so. I would like this information removed from my credit file.
Complaint sub-issue: Their investigation did not fix an error on your report

IM FURIOUS ABOUT MY CREDIT REPORT THIS IS MY 3RD ATTEMPT WRITING ABOUT THES FRAUDULENT ACCOUNTS THAT DONT BELONG TO ME SINCE XXXX.
Complaint sub-issue: Reporting company used your report improperly

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 Someone was using my information, THIS WAS NOT ME!!
Complaint sub-issue: Fee problem

As of XX/XX/2019 Citibank charged me a maintenance fee of $ XXXX.My account at the time had {$0.00} available.I was then charged a {$34.00} overdraft fee on XX/XX/XXXX. 
How can a bank maintenance fee authorized by Citibank be the cause of my account to go into the negative and then be charged an overdraft fee the following day for insufficient funds? 
The Citibank customer service reps agreed with me but then stated there is nothing they can do about it. 
If I authorize a transaction that exceeds my balance and the bank pays the transaction on my behalf would justify the cause of an overdraft fee.This just doesnt seem right at all. Please help.
Complaint sub-issue: Information belongs to someone else

I filed dispute with discover thru XXXX - its been finalized & XXXX has removed it from their report. But Discover has sent me this other person 's statements to my home address in XXXX, for XXXX XXXX XXXX XXXX who live in XXXX, WA.
Complaint sub-issue: Information belongs to someone else

I am needing to move out of my apartment due to the bad maintenance. I went into some apartments close to where I live now and I had to get my credit pulled. During our discussion I learned that I was not able to get the apartment due to a amount of accounts that are not mine : XXXX XXXX Acct # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  ) Acct # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX   Acct # XXXX, These inquiries that are not mine : XXXX | XX/XX/2020, XXXX | XX/XX/2020, XXXX XXXX XXXX  | XX/XX/2020. I have contacted the FTC and the local police and I am doing this on my own behalf. I need those items removed as soon as possible please.
Complaint sub-issue: Account status incorrect

We were on and protected by the FEMA/Government forbearance after Hurricane Irma, during which time both myself and my wife 's credit report was negatively impacted when our mortgage company XXXX XXXX reported us as late on our mortgage. I called and was told there was " a mistake and some ... a few customers were mistakingly reported to the Credit Bureaus but they would issue a retraction ''. Mine was corrected, my wife 's however was not. Ive called several times on this matter and either their computers are down or something. I called this morning XXXX/XXXX/XXXX to try to get this taken care of. The customer service rep puts me on hold then comes back a few minutes later to tell me I will have to pull a copy of my wife 's credit report from one of the 3 bureaus and then fax or mail it in. I asked why I would have to do that now when I did n't have to do that before? She said she was n't sure but if I wanted it fixed thats what I would have to do. I said no I should n't have to spend my own money to fix a mistake your company made. And then I asked to speak to someone in that investigation department. She said she is that department. I asked why when I called the other day I was on hold to be transferred but their computers were down? ... she said that I called a different department, I said no it was customer service. So now customer service is the investigation department I guess. I should not have to go through this much trouble to fix a mistake on their part. I do believe they are discriminating against me as I filed a complaint on them before for their terrible customer service and mishandling of my mortgage and this is how they retaliate. I also just this past week opted out of a mortgage modification with them after they told me I would not be able to make my XXXX payment and would have to wait till XXXX to make my first payment. I said XXXX no I am not going to be late on my mortgage and go through all this again. The rep told me well thats how this works, you have to be behind if there is a hardship. I told them to cancel the modification I opt out. Today since my account was just unlocked to make my payment before the XXXX, I find another {$20.00} fee accessed to my payment. When I asked the above first mentioned rep she said it is a XXXX XXXX XXXX that was made to the account on XXXX/XXXX/XXXX. I said no my mortgage has been current as of XXXX and I will dispute any other fees as you guys already charged me two {$20.00} fees ( FEMA Natural Disaster Billed Fee ) while under the forbearance. 

The former complaint I filed was closed after the mortgage company sent in a bunch of misinformation and out right lies regarding contacts, dates, etc, to which I never got the opportunity to rebuttal. I would hope this complaint is received with more merit and a little investigation into XXXX handling of mortgages and credit reporting!
Complaint sub-issue: Information is missing that should be on the report

The problem I'm complaining is that I didn't receive sufficient information for my card cancellation information. 

I'm undergoing a house purchasing process through underwriting, so I need a confirmation letter from Citi bank stating clearly my account number, and the date ( XX/XX/2020 ) that I have been successfully canceled my card. My underwriting process is depending on this official confirmation letter because the closing date is closed, and my current living apartment lease is about to end. The confirmation email my primary received only have name on it without any other full information. And I didn't receive the information at all. 
So I requested Citi bank to offer me the official confirmation document by faxing my lender the official confirmation letter. I called Citi bank for three days even by talking to the customer service superviser. They said they refused to give me other choice other than waiting for 7-10 business days ( 2 weeks+ ) for a mail that send to my primary instead of me by physical mail. This would not only ruin my house purchasing process, but also never give authorized card user the right to receive the document. Honestly the card has been canceled, there shouldn't be any security reason that they can't fax the lender to give customer other option to make any negative impact. They are so passive to help the customer and doesn't care customer at all.
Complaint sub-issue: Account information incorrect

I have disputed this entry for Enhanced Recovery Company several times with no response. I have repeatedly asked them to send me a copy of the signed, exclusive contract between Enhanced Recovery Company and myself for repayment. To this day, I still have not received a response. I've sent correspondence XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Complaint sub-issue: You never received your bill or did not know a payment was due

I have outlined below all the steps/problems I incurred when opening a new Citicard Visa account. I filed a dispute with Citibank 2 weeks ago and as of today I have had no response from them. Below are the issues/steps I have taken so far : 4 phone calls before I got cards for new account Website does not work, asked for help via Live Chat and did not get much. Once I was finally able to log I only see an big " error '' message on the screen when I try to access Payments/Transfers or Accounts I was signed up for electronic statements even though I would not ever want them and was not aware o This was never explained in the 4 calls to express concern for not getting cards/statements Because Citi issued a total of 3 cards to me before I finally received them ( via XX/XX/XXXX XXXX I now show 2 Citibank credit cards accounts on my credit. I only requested 1. 
Citibank reported me 30 days past due causing a 90 point drop in my credit score which dropped my credit score by 90 points. I have not had any late payments on any account and have always been diligent about paying my bills on time. This in my opinion was not deserved since Citibank has had issues with my account since day one. I want this removed and my good credit standing to be restored.
Complaint sub-issue: Account status incorrect

XXXX is reporting a charge off on my credit report and I have disputed this account several times and I have yet to receive any validation of owing this debt. I have tried calling asking for information and was met with hostile customer service reps and they weren't able to provide any information in regards to this account. I'm asking XXXX to provide a signed contract which is required per FCRA to validate a debt. Per FCRA if XXXX can't provide a signed contract any information being provided to any credit reporting agencies must be deleted.
Complaint sub-issue: Problem during payment process

I was unaware I missed a payment on my discover credit card and I was under the idea that it was set up on autopay. I am hoping this can be resolved and fixed.
Complaint sub-issue: Debt is not mine

I took the liberty of providing all of the credit reporting agencies a copy of your response letter, settlement letter, and settled in full letter. This information proved that account number XXXX was opened on XXXX XXXX, XXXX and closed on XXXX XXXX, XXXX. Therefore did not constitute a reason for that account to be included on the credit reports. 

On XXXX XXXX, XXXX I received a letter notarized stating that my vehicle was secured by a personal loan account number XXXX on XXXX/XXXX/XXXX with CitiFinancial and since the account was satisfied CitiFinancial were releasing the lien on the vehicle. 

I never used any vehicle for collateral for the loan that was opened under account number XXXX that was opened in XX/XX/XXXX. I never opened an account with CitiFinancial in XX/XX/XXXX nor do I have a vehicle to use for collateral. Because all of this information is illegal, fictitious, but was also notarized, I would like for you to provide me with the contract for this loan including but not limited to : the vehicle that was used for this loan as collateral and the forms that I signed for this loan on XXXX/XXXX/XXXX. 

After speaking with XXXX in customer service today at XXXX, I was informed that this personal loan, with the vehicle as collateral, was opened in XX/XX/XXXX, this is what 's being reported for the account # XXXX ; but is being reported under a different account number, XXXX with the XXXX credit reporting agencies. 

I would like for CitiFinancial to honor their agreement to delete all information pertaining to account number XXXX and to not be used for the new account number. I would like for CitiFinancial to report the truth, that account XXXX was opened and closed on XXXX XXXX, XXXX. I would also like for CitiFinancial to not create fictitious information to damage my credit and have me to continue to have high interest rates! 

The XXXX and Consumer Financial Protection Bureau will be contacted about these issues. I hope that you will make it a personal interest to resolve these issues immediately. 

I have enclosed credit reports from XXXX and XXXX. I was unable to print XXXX, but the information is the same, and a dispute has been initiated ( Confirmation # XXXX ). I have also enclosed Response Letter for XXXX, Settlement Offer Letter, Satisfied Letter, and Notarized Release of XXXX XXXX and the If you have any questions or concerns, please feel free to contact me at XXXX. 

Thank You XXXX XXXX XXXX XXXX, XXXX XXXX Enclosures