Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

Good morning/evening, On the following date of XX/XX/2018 XXXX XXXX   XXXX filed 2 separate hard inquiries on my credit report where I never authorized such inquiry. This is greatly impacted my ability to eventually purchase a home. I request to have them removed immediately.
Complaint sub-issue: Debt is not yours

I currently have an account with XXXX that I have had for more than XXXX years. This line was the result of fraud reported many times to the carrier and ERC and ignored. They continue to harass me during work hours even after I sent them the copy of the fraud affidavit. How can I owe for a debt that is not mine and why are these people allowed to threaten and insult me daily.? I have requested orginal signatures from the account and have nothing.
Complaint sub-issue: Problem with fees

Hello, My Citibank card ending in XXXX was set on autopay for my wifes engagement ring insurance and charged on XX/XX/XXXX. The card was charged {$57.00} for the year and there was no previous balance. 
On XX/XX/2021 Citibank received a payment from my bank in the amount of {$57.00}. This payment would have brought the balance down to XXXX. Unfortunately the payment was made 3 days late and as a result citi charged my account a {$29.00} late fee. 

I did not realize that I had been assessed a late fee until I checked XX/XX/2021 and Citibank had charged a {$40.00} late fee on top of the previous late fee. 

I reached out to customer service and asked them to assist with a potential refund of both late fees since the account does not have a history of late fees and the card is at a XXXX balance. Customer service did not waive both late charges. They waived the {$40.00} late fee but made me the {$29.00} late fee. I still feel this to be a predatory practice as Citibank could have waived both late fees especially considering the account is now back to a XXXX balance.
Complaint sub-issue: Reporting company used your report improperly

I have an unverified accounts on my credit reports. I I have never done business with these companies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request I be provided verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that the companies Cease and Desist all further communications and collection actives and provide the verification of the purported debt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Received bad information about your loan

I have spoken with Fedloan multiple times over the past few months about getting all of my loans into a REPAYE plan and placing all my loans on the same schedule as I am a medical resident and qualify for the PSLF program and need to be in an IBR plan. I was approved for the REPAYE plan on XX/XX/19 and all my loans were placed on the REPAYE plan. Then, a few weeks later on XX/XX/19, out of nowhere, some of my loans lost their forbearance and deferment status and were suddenly placed in repayment on a Standard repayment plan. I called and was told that this was a mistake and my loans were going to be replaced into forbearance so that all my loans would go into repayment at the same time. That was fixed and all my loans were back in REPAYE. Then, on Friday XX/XX/19 I received a letter saying my loan terms were recalculated and I was placed back into the standard repayment plan. I called on that day and was told that an error occurred on behalf of fedloan when my application for REPAYE was initially approved. They said I should have never been placed in the REPAYE plan and in order to get my loans back on the REPAYE plan they must generate an exit bill that I have to pay in order to go pack into REPAYE. My conversation was left stating if I pay the generated bill of {$5.00}, all my loans will go into REPAYE when they process my IDR application and I will not be responsible for any other payments towards my loans during the months it takes to process this. On XX/XX/19 I paid the {$5.00} bill and was told it would take up to 20 days to process my IDR application ( that at this point was submitted on XX/XX/19 ). Today is now 20 days since payment and my account has not been switched back into REPAYE and I received a new bill for XXXX of over {$3000.00} since I am still on the standard plan. Since I am eligible for PSLF, I have now missed out on 2 payments towards the program, which is frustrating as I am eager to begin making eligible payments towards the program. Throughout all of this, I have contacted fedloan multiple times via phone and email. My email on XX/XX/19 was never answered by the company.
Complaint sub-issue: Their investigation did not fix an error on your report

I have constantly been sending out letters regarding my charge-off accounts and a medical bill that they are reporting that is violating my HIPPA rights and the account doesn't have a name just the account number but here are the accounts that are reporting incorrectly XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX. The charge-off accounts are reporting incorrectly and showing a past due balance and according to the FCRA, XXXX have the to an accurate credit report.
Complaint sub-issue: Information belongs to someone else

I have almost 30 fraudulent inquiries on my report and a collection account that is fraudulent. I have disputed this THREE times with Equifax and they refuse to remove the fraudulent information. The collection agency completed their investigation and determined FRAUD and asked Equifax to remove it, yet it is still there. Everytime I call they tell me something different and this is seriously preventing me from obtaining credit ( home mortgage ).
Complaint sub-issue: Information belongs to someone else

I was checking my credit report and a hard inquiry popped up saying that him something about XXXX XXXX XXXX XXXX and I dont know anything about that I didnt agree on that so I will like this remove from my credit karma XXXX report I talk with XXXX XXXX  and they said they have no information also I spoken with XXXX  they tells me to call the police and credit karma is not helpful at all
Complaint sub-issue: Account status incorrect

My business closed in 2017. Citi Bank and I were negotiating payments, the amounts were charged off. Three years later Citi Bank still files a late payment each month which is killing my credit score. I am not late on any account I have and I pay my bills on time. Citi is preventing me from getting credit. Because it was charged off when you call they don't see the account and tell me they can't help. Frustrated!
Complaint sub-issue: Non-sufficient funds and associated fees

Im not able to show my bank information to XXXX
Complaint sub-issue: Debt was paid

On XXXX XX/XX/XXXX, a balance transfer of {$2500.00} was transferred from CITI Cards, PO Box XXXX, XXXX XXXX, SD, XXXX to XXXX XXXX. 
CITI XXXX has never acknowledged the payment and has continued to extract payment from my bank account using a forged document until a stop payment was issued in XX/XX/XXXX. Since then they have attempted to collect the debt using such tactics as phone calls, reports to the Credit Bureau and a notice of assignment to a collection agency. 
A subsequent investigation of the original debt revealed the following : XXXX XXXX XXXX XXXX ( Replacement of Roof ) Date of Sale XXXX XXXX Job No. XXXX Initial Payment {$2800.00} Final Payment {$6700.00} Total Price {$9500.00} The final payment ( online ) was in XX/XX/XXXX. 
On XXXX forged Check XXXX was issued by this company for the amount of {$570.00}. Thereafter, checks numbered from the series XXXX have been used to collect payment, This is evidently a scheme targeted people who do not keep close controls on their bank account. 
The totals to date : 60 transactions {$14000.00}
Complaint sub-issue: Trouble with how payments are being handled

On XX/XX/XXXX, I contacted Nelnet about payments I made in XXXX, XXXX, XXXX, XXXX and now XXXX that have not been credit. They do not respond to messages sent on their site so I called. I gave all the information to the person who was supposed to send me an email as to where to send proof of payments. After about a week I called back and was told that I had to put them in the mail. I sent proof of payments by certified mail which they received on Friday, XX/XX/XXXX. My account still has not been updated. The following are the dates and amounts of payments : XXXX XXXX - {$92.00} XX/XX/XXXX - {$45.00} XX/XX/XXXX - {$49.00} XX/XX/XXXX - {$50.00} Total : {$230.00} XXXX XXXX - {$92.00} XX/XX/XXXX - {$45.00} XX/XX/XXXX - {$49.00} XX/XX/XXXX - {$40.00} Total : {$220.00} XXXX XXXX - {$92.00} XX/XX/XXXX - {$50.00} XX/XX/XXXX - {$40.00} XX/XX/XXXX - {$16.00} XX/XX/XXXX - {$45.00} Tot : XXXX XXXX XXXX - {$45.00} XX/XX/XXXX - {$45.00} XX/XX/XXXX - {$92.00} XX/XX/XXXX - {$45.00} Total : XXXX XXXX XXXX - {$45.00} XXXX - {$49.00} XX/XX/XXXX - {$92.00} XX/XX/XXXX - XXXX Total : {$230.00}
Complaint sub-issue: Information is not mine

On or after XX/XX/1016 There may have been a fraud alert placed on my Report. If it was I want it removed.
Complaint sub-issue: Funds not handled or disbursed as instructed

Citibank is demanding unnecessary and private information from me on fraudulent and misleading terms. Essentially they are committing marketing fraud through extortion.
Complaint sub-issue: Reporting company used your report improperly

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: Public record information inaccurate

XX/XX/2017 The company Checkr is submitting a background report that is not accurate and they have done this numerous times. I have contacted them through e-mail and phone to try to correct the matter and they will not fix it. They are reporting that there are restrictions on my drivers license and this is stopping me from being able to rent a vehicle for work. There are no restrictions on my drivers license. Please help me get this resolved.
Complaint sub-issue: Company closed your account

My Discover Miles credit card got shut down with an meaningless reason " we are no longer be able to meet your servicing needs. '' and the customer service has no clue about this situation. Only said the bank closed my credit line because of business which is not relevant to me because I paid every bill on time since I have the card. This inconvenience made me lose chances to purchase lots of good deals and earn miles.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX bank XXXX XXXX Account # XXXX bank XXXX XXXX Account # XXXX Account # XXXX Account # 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 an account without my written instructions. 

I advised the dealership to refinance my loan because the payments were too high. After being informed i was not eligible to do so. I sundered the vehicle to the dealership along with the keys.
Complaint sub-issue: Account status incorrect

I wrote to the company 3 times ( 2 times by email (  XX/XX/XXXX  & XX/XX/XXXX  ), they responded that they ca n't discuss via email ) So I sent an actual letter by mail on  XX/XX/XXXX  regarding a derogatory/collections item that I discovered on my credit report.
<P/>
This refers to my Rise account #  XXXX , loan date  XX/XX/XXXX  23 month term, that I believed, and also had received email confirmation that this was paid off on  XX/XX/XXXX .
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My credit report shows a past due balance of {$110.00}. I included a check for this amount to pay off my balance in full when I sent this letter as I did not know this was still outstanding. Then I asked them to remove this derogatory item for Rise off of my credit bureau report. Especially since this is the only derogatory item I have ever had on my report.
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This loan was paid off as of  XX/XX/XXXX which was within 3 months of taking the loan out. The loan term was 23 months, so Im not sure how this small {$110.00} balance could even be considered late, even if I do owe it, and could then be reported to collections, even if this was a misunderstanding, because the loan is not technically past due until the end of the loan term, which wouldnt be until  XXXX  or  XX/XX/XXXX . I received no correspondence from them that anything was late, past due, or still owed. In fact, I receive emails from them all the time about getting another loan because of my outstanding payment history.
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After all of this, they have cashed my check for the {$110.00}, but still have not removed the derogatory item from my credit report that was put there in error.
Complaint sub-issue: Personal information incorrect

I have recently reviewed my consumer report and there was several inaccurate information listed as personal information that does not belong to me such as spelling of names and unrecognizable addresses. I sent a communication on XX/XX/22 to Equifax with written instructions Pursuant to 15 U. S. Code 1681a ( d ) ( 1 ) to have it removed. The names are XXXX. XXXX XXXX. XXXX. The addresses are XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The Phone numbers are XXXX. XXXX XXXX. XXXX. This inaccurate information is still on my consumer report after allowing 30 days to have this issue resolved.
Complaint sub-issue: Account information incorrect

XXXX XXXX, Equifax, and XXXX credit reporting bureaus have utilized erroneous information from XXXX XXXX  XXXX. XXXX XXXX ( XXXX ) to lower my credit rating from Good to Poor over the past 30 days. 

XXXX inaccurately provided information to the credit reporting bureaus regarding alleged late payments for the months of XX/XX/XXXX and XX/XX/XXXX. The loan mortgage did not close until XX/XX/XXXX, XXXX notified me that their online system was not operating at this point to allow me to make payments. XXXX also indicated the delay would not effect me as a consumer and I would receive written notification from the company when the system was operating. I received correspondence from XXXX in XX/XX/XXXX indicating the system was functioning. Once again, XXXX indicated in its correspondence that consumers would be affected by the delayed operation. 

The first payment was submitted onXX/XX/XXXX in keeping with the XXXX system operation. I contacted XXXX in XX/XX/XXXX regarding a County tax exemption reducing my property taxes for the fiscal year. The XXXX representative alleged I was behind in my mortgage payments, and was unwilling to listen to the above information. 

XXXX, then, filed the delinquent payment information with the three consumer reporting agencies. XXXX has continued to apply my timely payments to the alleged late payment schedule, which it has erroneously and fraudulently reported. 

XXXX now has changed my payment schedule date to XX/XX/XXXX without notice to me, and has charged a late payment fee of {$89.00}. The late payment fee is negligent by XXXX, and the amount is legal injury to me. 

The three credit reporting agencies have been notified of the above, and have not taken appropriate action to re-establish my credit and FICO score to the existing level prior to XXXX 's negligent and erroneous reporting. 

Equifax, XXXX, and XXXX are required to re-establish my credit report to the pre-existing level score immediately.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

I, XXXX XXXX visited XXXX XXXX XXXX  XXXX in XXXX Ohio for the purpose of getting a hair extension procedure. This procedure cost {$940.00}. The extensions I received were supposed to last 9 to 12 months. Within a week there were major issues with this procedure. The merchant refused to fix the problem without additional funds. I then had to go to another salon ( XXXX XXXX in XXXX, OH ) and pay an additional {$800.00} to repair the damage that the other salon had done. Please see attached complaint that I filed with US Bank Reliacard, Aka. Reliafraud. I called to file this complaint on XX/XX/20 with Reliacard after numerous fruitless attempts to resolve this matter with the merchant. They then sent me forms to sign and return so they could supposedly investigate. 
Their investigation has run well past the allotted time per Federal guidelines, and I still have no answer or resolution to this matter. Additionally, they failed to credit my account with the disputed amount of funds as their Terms and Conditions stipulates. I have called numerous times, only to be put on hold for hours. Three of those times when I finally did reach someone, I got hung up on while being transferred. No one will give me an answer to this complaint either way. 
Their inability to process this complaint has caused me extreme financial hardship as well as mental anguish and anxiety. Please investigate this dispute and provide me with a written statement of the outcome. I can be reached at XXXX or ( XXXX XXXX XXXX. Thank you for your time and attention to this matter.
Complaint sub-issue: Information belongs to someone else

My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
Complaint sub-issue: Their investigation did not fix an error on your report

have had identity theft I did a dispute multiple times and i was denied relief and just sent a generic letter saying that I did the dispute in error, then I asked for them ( each credit bureau ) to send me the proof that it was me that opened the accounts that where opened fraudulently. Equifax XXXX and XXXX refuse to remove these accounts that are fraud and will not share why they are being validated. these are the accounts listed below 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

I was unemployed and not receiving unemployment benefits because of the intensive wait due to the pandemic. I initially a benefit that I purchased on my credit card which is credit protection. However, my payment was reported as late. 

Per the cares act the account is supposed to report as it was prior to delinquency if arrangements were made. 

XXXX XXXX XXXX  XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I reviewed a copy of my credit report and I noticed a fraudulent/unauthorized chargeoff closed account that needs to be removed from my credit report. The account to be removed will be listed below and I will also like to add that I was a victim of the 2017 equifax data breach. 

XXXX. XXXX XXXX XXXX  Act. # XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

multiple ( certified ) letters sent to company to verify this supposed debt per FCRA which is showing on my consumer credit reports. 

Discover has sent multiple invalid responses to my requested information per sections 609 and 611 of the FCRA. Company instead sent information on the opening of an account, a card sent, and sent statements. and in their words " considered '' this account valid. 

another certified letter was sent ( and received by Discover ) on XX/XX/21 asking for proper validation again including a copy of the supposed signed contract and the " other identifying information '' which they stated on their last validation letter. In addition, reminding them that I never gave consent ( per 15 U.S. Code 1681b ( 2 ) to furnish any of my personal information to anyone. This letter has not been responded to as of yet and information is still showing on my credit report
Complaint sub-issue: Information belongs to someone else

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Complaint sub-issue: Information is not mine

I called Equifax to dispute some information and as I was speaking to them my credit score went down and they said when I dispute information my credit score will do down. So I canceled the dispute and then they stated it will not go back up.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I have a Best Buy Visa Card which was due to expire so they mailed me a new card, which was stolen from the mail. Best buy allowed someone to activate the card and make over {$7000.00} of charges on the card before calling me to verify these charges, I got a call and cancelled the card on XX/XX/2021. Since this date the charges have continued and Best Buy actually gave the woman my checking account information and allowed her to make payments on my best buy credit card which ran through my bank account three times at {$4000.00} each payment, I only owed {$900.00} on the card at that time. So my credit card was compromised for {$7000.00} and my bank account was compromised for {$12000.00}. I have done investigations and found who is doing it and have filed police reports. Problem is I told best buy to lock my account and put security measures on there 4 times and they are still discussing my account with this other person. Due to Citi Best Buy they have caused me to have to do a lot of work to try and keep my financial status safe. Best buy won't pull videos from store and won't provide me with the recorded phone conversations on my account. I want the conversations they had with me and the ones they had with this other woman. They have done everything she has asked of them and yet to do what I ask. I called again today and they gave me all my account info again without verifying the added security questions.