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

My student Loans were in Forbearance until XX/XX/2016. In XX/XX/2016 my loans went into consolidation. On my current credit report Nelnet is reporting late payments for time periods that my student loans were in deferment or forbearance. Also, Nelnet is showing my loans as late when the loans were not late, Nelnet was completing the process of paperwork internally. I understand that errors due occur and that we all make mistakes. Thats is why I am giving Nelnet 30 days to correct my file appropriately. If this is not updated correctly I wlll file a lawsuit against Nelnet and file a complaint with the department of education. These are not empty threats because you all did choose to report each loan dismemberment separately I have over 16 late payments for loans that were not delinquent.
Complaint sub-issue: Information is not mine

I worked for XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX through a temporary agency XXXX XXXX, XXXX XXXX XXXX, XXXX, Fl XXXX. My credit report from XXXX XXXX in XXXX XXXX XXXX says under the collection information that I owe the city of XXXX, {$650.00}. I only worked for them from XX/XX/XXXX - XX/XX/XXXX through the temp agency. I never borrowed money from them. I only lived about XXXX blocks away and they had my address if there was anything wrong why did n't they contact me or the temp agency. I did file a complaint against them through the Equal Employment Opportunity Commission but the complaint did not fall under their statutes. the dates are XX/XX/XXXX/XX/XX/XXXX almost the same dates as I worked for them.
Complaint sub-issue: Can't use card to make purchases

I tried adding my card to XXXX XXXX  on XX/XX/2018. I got a message to call for verification. 
I called in, provided all the information I was asked to provide. 
Agent asked me for a home landline to verify my ID. I dont have a landline home number and didnt provide one when I applied for the card. I was told they cant use my cell number to verify. 
The other option was to verify using another card I have with Citibank. I dont have any other cards with Citibank! 
So now Im locked out of my account and the only two options I am given are either to get a landline phone number registered to my name or have another card with Citibank. 
Who thinks up these asinine rules? Landlines in 2018?! 
I just want to be able to use the card I applied for and was approved for.
Complaint sub-issue: Didn't receive enough information to verify debt

RECEIVABLES MANAGEMENT SYSTEMS at XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ( XXXX ) XXXX has reported a medical debt to XXXX credit bureau in the amount of {$410.00}. I do not know this company. I have never done any business with this company. This company does not have any legal documents with my signature bonding me to this debt.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed accounts about 3 weeks ago. They removed some but not all. I need them to remove the remaining accounts that are not mine.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX and I am submitting this CFPB Complaint to you today to follow up the previous CFPB complaint I submitted requesting the correction and update of the erroneous accounts being reported on my Credit File. When I checked my credit record, I discovered a billing problem reported by some of the accounts on my Credit File. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Please remove the late payments from these accounts to appeat accurate information on my Credit File. Below is the list of the disputed accounts. 
XXXX XXXX XXXX XXXX XXXX Balance {$54000.00} XXXX XXXX XXXX XXXX  XXXX Balance - XXXX XXXX : Bankruptcy Reference Number XXXX Date Filed XXXX XXXX, XXXX. I also noticed that there are unauthorixed inquiries being reported on my Credit Report. AS far as I remember, I did not initiate these inquiries. Under the Fair Credit reporting Act, I am requesting that you remove the following inquiries from my Credit File as soon as possible : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired XXXX XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX - XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX - XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX XXXX # XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX. In any case you believe that the disputed accounts and inquiries are accurate, I am requesting that you send me copies of proof of verification from your investigation. If you can not support your claims, immediate correction or removal of the negative marks on my Credit File is greatly appreciated.
Complaint sub-issue: Received bad information about your loan

I currently have 12 direct federal student loans, being serviced by Fed Loan Servicing ( AES/PHEAA ). My loans were transferred to Fed Loan Servicing in XX/XX/XXXX. From XX/XX/XXXX until now ( XX/XX/XXXX ), I have worked for two different, qualifying PSLF-employers. Since XX/XX/XXXX, I have made 29 qualifying payments under PSLF. I  have been very careful about recertifying my income-based repayment plan each year and re-certifying my employer by sending in an updated form each year. Even though these recertifications are burdensome and force borrowers unnecessarily into forbearance during the time it takes to process them - I have completed them. This past year, it took Fed Loan Servicing 4 MONTHS to complete my REPAYE certification - that is four months that I was ready, willing and able to make on-time, qualifying payments towards my 120 total payments. Instead, now my 10 years of payments will be delayed for an additional four months. If it takes Fed Loan Servicing 4 months to recertify my payment plan each year, I will be forced to pay into PSLF for an additional 28 months - extending my payments into a 12+year period. 

I have called Fed Loan Servicing on two separate occasions to ask for a PSLF qualifying payment update - once in fall XX/XX/XXXXand just today, XX/XX/XXXX. I do not trust Fed Loan Servicing or the PSLF program to approve my 120 payments unless I have documentation issued by Fed Loan Servicing saying that I have made X number of payments. This is extremely important to me - I am making life decisions based on the life of these loans, which have compounded ( now over {$300000.00} ) since I completed law school. These loans are affecting my mortgage, my child 's education, my profession and my retirement. I need to qualify for PSLF in as close to 10 years as possible under this program. 

My request is that Fed Loan Servicing issue me an updated PSLF qualifying payment update and that recertifications are handled expediently and do not require borrowers to go into forbearance or extend the life of their loan to wait for Fed Loan Servicing to recertify their monthly payment.
Complaint sub-issue: Trouble with how payments are handled

Nelnet set payment due on a bank holiday XXXX. I paid my loan payment on XXXX the next business day. Nelnet claims to have a grace period before something is late. However, they didnt process the payment until 5 days later. They marked my account as late and removed my 1 % rate reduction, which will cost me thousands in interest over the next 3 years. Called and nobody there would help claiming the payment was made too late to process on XXXX. They could not provide me proof or why.
Complaint sub-issue: Didn't receive terms that were advertised

I received a promotional offer from Citibank to open a " Citi Accelerate Saving Account ''. I opened a new Citi account on XX/XX/XXXX with a ACH transfer of {$28000.00} from XXXXXXXX XXXX XXXX and received a confirmation email on that date. Citibank credited the account XX/XX/XXXX. I received another email from Citibank thanking me " for enrolling in the Citi Accelerate High-Yield Savings Tiered Bonus Offer ''. This email explained the details of the offer : $ XXXX {$49000.00}. = {$150.00}. Bonus ; {$50000.00}. or more = {$450.00}. Bonus. I had 20 days to fund the account. An additional {$25000.00}. was transferred XX/XX/XXXX bringing a balance of {$53000.00} meeting the requirements for a {$450.00}. bonus to be earned after maintaining that balance for 60 days. This account satisfied all requirements and still remain with Citibank. I began calling Citibank in XX/XX/XXXX. I had several issues getting access to this account. I kept being told the the matter would be resolved. XXXX XXXX I received a letter from Citibank indicating no such offer was ever made to me in conjunction to my account. In response to that letter, I called on XX/XX/XXXX. Their Representative found the Promotion, would credit {$450.00}. to the account and make Interest adjustments back to XX/XX/XXXX. I called Citibank XX/XX/XXXX and XX/XX/XXXX with no results.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Account status incorrect

I responded Yes ( put my loan in forbearance ) to Nelnet 's automatic text message system when I missed my payment date.

I have had friends do this and they told me that is all they had to do so I assumed I was okay.

Approximately 90 days later, I get a credit monitoring alert on my credit card saying I had a multiple accounts being reported 90+ days late. Come to find out, it was Nelnet not claiming I was in forbearance. I immediately put my loan in forbearance to prevent any more negative action.

Nelnet claims I did not do this. I have no record of this text message. I tried to obtain it from XXXX but too much time had passed.

I do not understand this logic. I had and still have plenty of forbearance time left, why would I not put my loan in forbearance if I had time left??

All I can do is continue to file report after report, I can no longer afford to have this on my credit profile.
Complaint sub-issue: Account status

I had a XXXX XXXX account in XX/XX/XXXX. It was first reported delinquent in XX/XX/XXXX. The account was paid and should have been removed from my credit bureau in XX/XX/XXXX. ( 7 years after it was first reported delinquent. ) It is STILL showing up on my credit bureau in XX/XX/XXXX ... 13 years later. This needs to be removed from all XXXX credit bureaus ... XXXX, XXXX and Equifax.
Complaint sub-issue: Their investigation did not fix an error on your report

Hi, I'm XXXX XXXX, I need your help to reachout to this company. I tried contacting them to verify howcome that someone opened up an account under my name. This is a very serious matter and I feel bad that it is now affecting my credit profile. I do not authorize anyone to use my name, date or birth or any information as it is also against Data Privacy. They need to find out who opened the account under my name and just transfer those information to that person instead. Please help me get this resolved.
Complaint sub-issue: Other problem

I am trying to decide on making a large purchase. My US Bank Credit card allows me to use a new feature called XXXX XXXX. This allows you to pay for large purchases over time for a monthly fee and a set payment amount each month. 
However., the bank will not tell you how much the fee is or the amount of payments until you actually make the purchase on your card. 
Ridiculous. There should be a way to calculate that so that you know BEFORE putting a large purchase on your card. Isn't there a law that states rates and fees must be disclosed? They don't, and a snotty customer service rep told me no one will EVER be able to tell me what it will be prior to purchase. 
Unacceptable and it must violate some banking disclosure rule.
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent this credit reporting agency request for change in my personal information along with disputes and verification request About in for incorrect information that is posted to my credit with file. I've sent them multiple disputes about inquiries and charged off accounts. On a few occasions they have updated information but giving me no proof or verification as to how They gained that information and who they gained it from. 

They have shared my report without my consent and at least one case they have placed a security freeze on my account without my consent. 

On XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I sent certified affidavits disputing information on my credit report and requested Verification and information on who and how the verification was done. All Requests were signed and dated in front of a Notary Public. 

Almost every time i sent letters it took over 30 days for a response. 
I also sent multiple requests over the past one year and 6 months requesting this information be corrected and verified that was not sent first class mail. 
They Have Allowed XXXX XXXX, and XXXX XXXX XXXX, to Post incorrect And unverified information on my credit report for over 5 years.
Complaint sub-issue: Information belongs to someone else

There is an auto loan debt/reposession reporting to my consumer report, and the account does not belong to me. This is a result of identity theft, I have been trying to dispute this matter with both the Credit Bureaus and furnisher, and the account still has not been removed and affecting me, my life, my children, and my family negatively.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

I had a deposit come in in my fiance 's name so they closed my account saying they was returning the money to the originating bank they needed a letter of indemnity first which the other bank sent and they told them their was no funds to be refunded their is XXXX dollars to be returned ... When I called they said they sent them to the wrong email which is the email they told me to tell them to send them ... They are just giving me the run around
Complaint sub-issue: Credit inquiries on your report that you don't recognize

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : CARMAX AUTO FINANCE Made on : XX/XX/2017 Made with : XXXX  To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity.

Given the amount of identity theft, I & # 39 ; m sure you & # 39 ; ll agree that verifying your information is in your best interest.

Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.
Complaint sub-issue: Reporting company used your report improperly

i was pre approved, approved, for XXXX vehicles and was denied after the company benefited from using my social security card, i still havent benefited anything i dont have any car.
Complaint sub-issue: Debt was result of identity theft

XXXX XXXX XXXX XXXX XXXX attempted to collect a fraudulent debt ( including several other collection agencies ) reported by XXXX XXXX Bank to the major creditor reporting agencies in the amount of {$660.00}. 

Under the Fair Debt Collection Practices Act., the collection of said debt on XX/XX/XXXX has been disputed and validation of the debt was requested. 

Although the debt was removed from my credit file after the seven year derogatory reporting period in XXXX ( adversely affecting my credit file ), the fraudulent account remained in collections for an extended two year period. 

The original creditor has refused to negotiate a settlement and all collections agencies involved have yet to verify the debt of record.
Complaint sub-issue: Threatened to sue you for very old debt

Good evening on XX/XX/XXXX I received a call from Premier Holdings phone number XXXX falsely impersonating a lawyer and threatening to sue me for old debt. 

I asked if it was a debt collector, and they stated a law firm. 

They claim that this was for an unpaid XXXX XXXX Credit Card, that they claim it dates back to XXXX. 

Despite the apparent incredibility of the caller, the date they claim suggest that this would not be a collective debt due to its age. 

I explained to her that this potential debt would be no longer collectible. 

I want to report this issue for various reasons : 1. False representation 2. Lying about ability to collect a potential debt based on age.

3. Making me feel harassed.
Complaint sub-issue: Reporting company used your report improperly

Equifax failed to maintain proper security for the extremely personal information of millions upon millions of people. I was one of those people and now all the information you need to be identified as me is out there in someone else 's hands. I now have to live with the fact someone could use my information to open bank accounts ect. and there is n't much I can do about it. For the rest of my life this will be a possibility and not because of negligence by me but because a company entrusted with such personal information failed to protect it.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX  is falsely reporting information under two different reporting names ( XXXX XXXX XXXX and XXXX ) for one DUPLICATE account, that I owe {$490.00}. I do not owe this account and it is not mine. I am entitled to a fair and accurate credit report.
Complaint sub-issue: Information belongs to someone else

Hello, I am sending this over because there are fraudulent accounts on my credit report. These accounts do not belong to me ; therefore, they should not be on my file. Attached you will find a copy of the claim from the Federal Trade Commission along with a copy of my license. Please remove these accounts as soon as possible. Pursuant to 15 USC 1681 c-2 subsection ( a ) you have 4 business days to block this information from my file. This request was NOT made in error. I, XXXX XXXX XXXX, did not give your credit reporting agency written instructions to include this fraudulent information in my consumer report. Which is in violation of 15 USC 1681b- ( a ) ( 2 ). I am a victim of identity theft and did not open said accounts on the word document provided below. I ask that all items provided on the document attached be deleted to correct my credit report so I can finally get approved for a car loan. Please note that I am submitting this request on behalf of myself. No third party is involved.
Complaint sub-issue: Account status incorrect

Equifax : Fraudulent activity on account and incorrect and inaccurate accounts XXXX XXXX : XXXX Acct. XXXX XXXX * XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Trouble getting, activating, or registering a card

I've attempted numerous times over the past almost 2 months to get my card mailed to me with my money on it ... I've been giving excuses and different stories of why they cant send it. Everytime I call, I get a different story.
Complaint sub-issue: Their investigation did not fix an error on your report

There is incorrect information listed on my credit report that does not belong to me. I have disputed this information with the company and creditors with no results. I am receiving alerts and information, phone calls threatening my taxes & paychecks etc. The following accounts are listed incorrectly XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. Also the following address are incorrect and I have submitted the correct information XXXX XXXX XXXX XXXX XXXX AL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX, XXXX XXXX XXXX XXXX XXXX XXXX al XXXX, XXXX XXXX XXXX XXXX XXXX la XXXX, XXXX XXXX XXXX XXXX XXXX XXXX la XXXX The following inquires are listed as well XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX 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 719XXXX has me at a score around 590. 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 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n 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 XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.