Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Funds not received from closed account

Account XXXX i was mailed a {$15000.00} cashiers check for the close o it if my account and it had bounced. I already submitted a notarized fraud affidavit to Citibank and all the documents they needed. The bank is now stating it is sent it to collections to collect the money and then itll issue me a check if it collects it and itll take up to 120 days. I need my close out check and since the check they sent me was fraudulently cashed Citibank needs to assume responsibility and issue me a new one while they collect from whoever it was cashed fraudulently from!!! Check # XXXX issued on XX/XX/2021.
Complaint sub-issue: Debt is not mine

This number XXXX calls several times a day, tell me the call is being recorded and that I owe money for a parking ticket. I tell them I do n't owe anything and will not pay and to stop calling.
Complaint sub-issue: Account information incorrect

I recently checked my credit reports and the two closed XXXX  XXXX accounts ending in XXXX and XXXX are still reporting in the payment history.The closed XXXX  XXXX account ending in XXXX closed on/in XXXX XXXX closed XXXX  XXXX account ending in XXXX closed on/in XXXX XXXX.Not sure why XXXX XXXX is still reporting on these closed accounts, but it needs to stop.It sounds like XXXX  XXXX is still reporting to extend the removal dates.This may have caused current higher interest rates or denial of credit because of the erroneuos information.
Complaint sub-issue: Account status incorrect

My account was incorrectly reported 90 days past due on   XX/XX/XXXX . I filed a fraud package in  XX/XX/XXXX . After which, I called several times to check o n the status of the account, and I was told that servicing had been suspended and a credit bypass had been placed on the account until the dispute was resolved. I was told that I would be notified when the dispute was resolved and the next payment date, if applicable. I was never informed of the resolution of the matter and that servicing had been resumed until I called on   XX/XX/XXXX   at which time I was never informed about when the payment was due or that it had to be paid before    XX/XX/XXXX    to avoid negative reporting prior. Despite numerous requests o n  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  and  XX/XX/XXXX  to obtain this information in writing via mail, I still havent rec eive anything. On     XX/XX/XXXX  when I called AES the last time, I was told that this information was sent to the borrower on  XX/XX/XXXX , but not the person that actually filed a fraud allegation against the borrower, which was me. Despite me opting not to receive electronic correspondence, on  XX/XX/XXXX  a  letter attached hereto as Exhibit A was sent to the paperless inbox entitled Loan Information for :  XXXX   XXXX  with a very cryptic message stating : This letter is in response to the to the Identity Theft/Fraud allegation.  The Guarantor of t he above-referenced loans disapproved the allegation based upon review of documentation. I was not aware of this letter until I spoke to the representative on     XX/XX/XXXX .  Accordingly, I was never given an opportunity to pay the past due balance ( which I should have been notified of since Im the listed as the co-signer ), which dated back to the time I filed the fraud allegation and was only due to servicing being suspended during the investigation. In essence, I was penalized for filing a fraud allegation due  to AES and the Lender failing to communicate the resolution of the case and when the payment was due. I also filed a credit dispute for AES erroneously reporting the  loans 90 days past due without notifying me the loan had even gone into repayment. I was informed today,   XX/XX/XXXX , tha t the information reported to the credit bureaus was determined to be valid, but I was not informed of a way to dispute the decision. In addition, I have still not been informed of the reason for the denial of the fraud allegation or the process for appealing, and AES will not send me another fraud package so I can resubmit the claim.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have noticed some inaccurate information on my credit profile. It is not mine please DELETE all inquiries.
Complaint sub-issue: Account status incorrect

My complaint is against a company known as " XXXX XXXX XXXX , XXXX ''. This company is attempting to collect on a debt that has already been paid. When I called to get the information on the account they were extremely rude and misleading. First and foremost, the company did not provide validation of the debt even after I called them on and emailed them on XX/XX/XXXX. I sent them a receipt for the debt that was paid and when I paid it with XXXX XXXX. Secondly, I called XXXX  XXXX XXXX XXXX XXXX XXXX and had them confirm there was absolutely no other debt owed, or sent to collections. XXXX XXXX XXXX XXXX XXXX XXXX mailed me a document with all the account number showing everything has been paid and resolved. I am filing this complain because this needs to be removed from my credit as it is effecting me negatively. Especially in which the way they are reporting the trade line. This medical claim was back from XX/XX/XXXX, they have it reported as being opened on XX/XX/XXXX. Needless to say, this should be removed as I do not owe anything to this company.
Complaint sub-issue: Contacted your employer

I am writing to report debt collection agencies that have been harassing myself and known associates and family members. I have received over the past few months. It has gotten to the point of my family members and friends being contacted repeatedly by debt collectors. They have been receiving threatening phone calls as well. Please let me know how I can prevent this harassment to desist. 
Repetitive voicemails to myself, my mother in law, cousin, and husband. Some two to three times in  a row. 
The most recent voicemail stated that they will contact my employer about your debt because it is now a location of interest I have received calls after XXXX XXXX CST on all days of the week, excluding Sundays. 
I receive calls constantly on my work number which is strictly prohibited by my employer. 
I have received voice messages stating that I will be served paperwork if I do not return phone calls. 
I have received phone calls without disclosure of the collector 's identity. They refer to themselves as the firm and a Law Firm They end the phone call with I will be seeing you soon which is threatening in nature. 
The phone numbers I have been receiving calls from are as follows : XXXX File # Referenced XXXX XXXX No voicemail left XXXX No voicemail left XXXX No voicemail left XXXX File # Referenced XXXX Cadence Farmer is the individual who left the voicemail. 



Thank you,
Complaint sub-issue: Personal information incorrect

I request that equifax remove out dated personal information name address jobs spouse phone numbers .I sent letters to them twice to remove these items they only removed 2 address only please remove all that is the letters I sent you { because it is alot of personal information I did not post here
Complaint sub-issue: Reporting company used your report improperly

Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ]. " ( E ) any actions that might be taken within a voluntary reporting system to encourage the reporting of the types of transactions described in subparagraph ( D ). i have the right to privacy 15 1681 604 consumer reporting agency can not furnish an account without my written intstructions
Complaint sub-issue: Information belongs to someone else

Someone pretended to be an employer from indeed. Hired me, then sent me a welcome packet which consisted of me filling out an I-9, direct deposit slip, etc. I wrote a report for them and never got paid, that was when I realized the whole thing was a scam. It was too late, they had all my personal information. I told them I was on to them that was when they deleted all accounts.

I have 18 inquiries that I did not authorize : ( some are duplicates ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, These are incorrect names that are on my credit report : XXXX XXXX, XXXX XXXX, Accounts that are fraudulently on my consumer report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Incorrect Addresses reported on my consumer report : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Complaint sub-issue: Frequent or repeated calls

I XXXX XXXX have hired a local attorney to help me restructure my personal and corporate debts without filing for bankruptcy. I am attaching a copy of the first cease and desist letter mailed out XX/XX/2018. A second cease and desist letter was mailed out two weeks later. However, my phone is still being flooded with text messages and calls from several creditors. Therefore, I want to end these calls and have the proper procedures followed in the process followed where my attorney will fulfill the final negotiations process. Some of these creditors are either assigning the collection process through a third party, and the cease and desist still follows to the third party in all exceptions based upon the Fair Debt Collection Practices Act. Accordingly, I am filing these complaints with the Consumer Financial Protection Bureau as a means of stopping all collection practices directly to me immediately. My only objective with these complaints is to cease all collection calls and text messages to me at my cell phone of place of business.
Complaint sub-issue: Problem with rewards from credit card

Citi offered transferring cashback into thankyou points to shop at XXXX. I transfer XXXX XXXX into XXXX thank you points. I log into XXXX and I find that my XXXX points are now worth XXXX to purchase. The fact that Citi is advertising that I can use citi points at XXXX without disclosing that i'd lose 20 % of the value is theft. If they stand by their offer as being fair, they should also allow for reversal of my thank you points into cash rewards, which they do not allow and declined when i called to ask for this.
Complaint sub-issue: Can't close your account

I have been attempting to close my Citi Accelerate Savings account and have been unable to do so. Citi has locked my online account access twice in the last 2 years and it takes numerous calls/transfers through customer service/chat support to get it unlocked. When it does get unlocked there is no context to provided as to the reason behind the lock. 

I called to close my account last week and was able to proceed with the conversation but the timeline for returning funds ( 10-15 business days ) seemed long so I completed an electronic transfer into my new account which has since posted. 

I called XX/XX/2021 to close my Citi Accelerate savings account and spoke with a customer service agent who asked numerous verification questions and said they would be unable to assist with closing my account due to failed verificaiton. I provided the account number off their website, my full name, my wife 's name, last 4 of my social security #, and what I believed was the secret word associated with the account which was valid enough to proceed with action/conversation last week, but not on this conversation. I explained to the rep that I just wanted to close the account and could provide recent transactions, balance information or other verification to close the account and they just kept directing me to call back. None of the information provided was any different than what I provided last week. In my opinion as a XXXX XXXX myself, this seems like an unfair and deceptive practice to dismiss account closure for the purposes of achieving company metrics and XXXX XXXX 

I would like my Citi Accelerate Account closed without being charged fees as the account now has a XXXX balance.
Complaint sub-issue: Their investigation did not fix an error on your report

Lexis Nexis, XXXX, and XXXX credit reporting agencies Per the FCRA 623 ( a ) ( 5 ) : did not VALIDATE my information with the ORIGINAL CREDITOR, and did not remove the said information from my credit file. NOTE : any 3rd party validation or subscription to PACER is not validation and is a violation of FCRA 611 ( a ) ( 2 ) which requires to notify the party who furnished the disputed information " Federal courthouse and " U.S. Bankruptcy Court " which is an additional violation of section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices by purposely reporting information that they have assumed is verifiable based off circumstances.

As such, FCRA 1681 ( p ) ( 1 ) consumer reporting agency maintaining files for the purpose of furnishing consumer reports to 3rd parties bearing on a consumers credit worthiness, credit standing, or credit capacity ( 1 ) public record information is unverified and unconfirmed information.

According to XXXX Law Dictionary, the person who verifies my information must have first-hand knowledge and willing to testify under oath in a court of law. 
According to 15 U.S.C. 1681 Fair Credit Reporting Act Section 602 ( a ) Accuracy and fairness of credit reporting. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for my right to privacy Privacy Act of 1974, 5 U.S.C. 552a and FCRA 16 CFR Part 660.
Complaint sub-issue: Information belongs to someone else

Good day, I am XXXX XXXX XXXX and the reason I am reaching out and writing to complain on XXXX  and their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 
The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECEIVED MY LETTERS.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my reports, the incorrect items was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/XXXX,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to remove immediately : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$450.00} XXXXXXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Not given enough info to verify debt

Sent a letter asking for this information. Did not get anything.
Complaint sub-issue: Information belongs to someone else

They are reporting a collection account in the amount of {$220.00} with XXXX XXXX. I have advised them that this is not my account several times. I have disputed this collection account several times with the credit bureau. They are still reporting this inaccurate information on my credit report. The other credit bureaus have updated my credit report and are no longer reporting this information.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my XXXX, XXXX, and Equifax credit report. 

2. The inquiry was not authorized XXXX XXXX  Account Number : XX/XX/XXXX Please remove it from my XXXX, XXXX and Equifax credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XX/XX/XXXX Please remove it from my XXXX, XXXX and Equifax credit report. 

4. The inquiry was not authorized XXXX/XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

5. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

6. The inquiry was not authorized XXXX XXXX XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

7. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

8. The inquiry was not authorized XXXX/XXXX XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX  report. 

9. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

10. The inquiry was not authorized XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

11. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

12. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

13. The inquiry was not authorized XXXX XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

14. The inquiry was not authorized XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

XXXX. The inquiry was not authorized XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

16. The inquiry was not authorized XXXX XXXX XXXX  Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. They are all non-permissable inquiries that I did not authorize in writing, It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Complaint sub-issue: Problem lowering your monthly payments

Many times since XX/XX/XXXX loan off forbearance and due to various messages and harassing phone calls to me and co-signer who is my mother we are not being heard. No options to repay loans at lower amount or release my mother as co-signer. She is on XXXX for last several years and has had many medical issues which are ongoing. During time loans were taken out my father also passed away and loans were based on his income. This has all been relayed to Discover Student Loans and asked to stop calls, etc. which have still not stopped. I offered to pay about {$50.00} each month, but they are not happy with this. Loan apparently is listed at default now. 
Will not see if hardships or changes can be made and state they do not do this for anyone. Mentioned what if someone sick or dies and would not answer this question. Even when I called XX/XX/XXXX and others times and mother XX/XX/XXXX, XX/XX/XXXX. Started calling XX/XX/XXXX to resolve or get help. 
Feel they are using this tactic to threaten us. I can not get by with all my other bills to pay the monthly bill. Put this in writing asked asked to handle by higher up department or CEO and they would not confirm who has read the letter.
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 n 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 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 XXXX XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX  cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Complaint sub-issue: Debt was paid

Citi is contacting me daily ( sometimes multiple times per day ) in an attempt to collect a debt that has been paid. I sent payment in XXXX and they have cashed the check. I have sent them a copy of the check yet they still call me every day.
Complaint sub-issue: Public record

Tax lien {$2600.00} Status Unreleased XXXX XXXX XXXX XXXX {$10000.00} Unsatisfied were both discharged through bankruptcy XXXX XXXX 2016 but still show on my Equifax & XXXX Credit Report. I am trying to get a mortgage loan but need this cleaned up. It took me several days to finally be able to report the disputes. I still can not access my free credit report from Equifax. I had no problem with XXXX, it was resolved in less than 12 hours. I have a XXXX son living on the streets that I need to help with housing. It is vital that the credit reports are cleaned up as soon as possible.
Complaint sub-issue: Problem getting report or credit score

I am a victim of identity theft and have filed fraud alerts and Equifax refuses to provide me with a copy of my credit history file. Their website tells me they ca n't process and that I need to contact their automated phone system. That system tells me I need to call them on the customer service number listed on my recent file -- however I have not received any recent file and I do not have that number. I am entitled to my file and they are disregarding my rights. Obviously the have no respect for my rights.