Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

I have been submitting letter since XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized remaining inquiries listed below : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Company closed your account

my complaint is with citibank bank. I have used his checking account for about 2 years. and he had never had a problem with them. a few weeks ago I received a letter from them, to be more specific on XX/XX/XXXX. the message of the letter was practically the following, my account was being reviewed for suspicious activity and I had to contact them to confirm some information or my account was going to be blocked. 

I quickly got in touch with them via phone and explained that I had received a letter from them and shared the case number that came with the letter. ( XXXX ). They confirmed that everything was fine with my account and that I could ignore that letter. 

Well, a few weeks later, to be more specific on Thursday, XX/XX/2021, I open the Citibank application on my mobile phone. and I see that my account has been blocked. 

I quickly get in touch with them and they tell me that my account has been blocked and is in the process of being closed, that there is nothing they can do and that they can not provide me with any information about it. 

that I had to wait for a letter that would arrive in 30-60 business days to obtain information about why my account was blocked and the check with my funds. 

an account with nearly {$170000.00} all my money. 

now I can not withdraw or obtain access to those funds for 30 to 60 days. which is frustrating and makes me quite angry and which I consider to be unfair.
Complaint sub-issue: Debt was paid

ERC has continued to contact me regarding a XXXX IPhone that was returned to XXXX when my husband and I decided to combine cell phone plans. We have informed ERC twice about this issue and asked them to verify with XXXX that the phone was returned to them. XXXX has never sent us a statement regarding the cell phone and we are currently XXXX customers now and if we owed a balance then XXXX would have informed us before service could be established. My husband contacted ERC on my behalf to obtain dispute information on XX/XX/2017 at XXXX. He spoke with XXXX who refused to provide her employer identification number for a reference and also failed to provide any dispute information also.
Complaint sub-issue: Information belongs to someone else

A fraudulent account was set up in my name by a company named XXXX ( I've never heard of or applied for anything from this company ). I contacted this company three months ago to make them aware of the issue. In turn, they stated they closed the account. Two months later, a 30 day past due alert was posted on my credit reports for Equifax, XXXX, and XXXX. I immediately contacted XXXX again to make them aware of the errors. They researched the account and notified me, through email, this account is fraudulent and the account is closed and they will report it to the credit bureaus. Three days ago, I received a notification that the accounts are over 61 days past due. This has brought down my credit scores substantially and is preventing me from refinancing a property I own. I feel as though XXXX is not taking the steps they claimed they are taking and therefore putting my credit profile at risk. 

Your assistance in the matter is greatly appreciated! 

Thanks, XXXX XXXX
Complaint sub-issue: Keep getting calls about my loan

I received a call at work regarding my student loan. It is due on the XX/XX/XXXX and I pay every month before it is XXXX days past due. I received a call on XX/XX/XXXX at XXXX from XXXX XXXX I called the next day and explained that my home number and email are the ways I prefer to be contacted and they have this information on file. I NEVER gave them my work number because that is not a good number to contact me on nor do I want those calls on that number. I contacted them on XX/XX/XXXX, letting them know not to contact me on that number again. My payment was also made that morning. The person I talked to told me that it would n't happen again and supposedly removed the number. She said that the information was obtained through skip tracing, in case I did not pay. I responded that I pay every month, what indication did you have that I would not pay? No response, other that its a process they do. To my dismay, I was called again on that number from XXXX at XXXX the SAME DAY!! I have a previous case that was submitted on XX/XX/XXXX.
Complaint sub-issue: Account information incorrect

I was recently going over my XXXX  credit report and I found some inaccuracies in their reporting. Here are the facts. 
Original Balance is incorrect. XXXX  is reporting the Original balance as {$2400.00}. Original balance after interest and fees was {$2100.00} Monthly Payment is incorrect. Monthly payment varied from {$150.00} - {$170.00}. 
Status is not 30 Days late. I have documents showing every time a bill would be coming up Mobiloans LLC would send me a email copies attached stating that his account comes with AutoPay* so no action is required if youd like to make the minimum payment. Mobiloans LLC has set the standard letting me know to not worry that my account will be automatically drafted each month. 
My wife spoke to Mobiloans and they said that the account was taken off AutoPay on XX/XX/XXXX. I never requested this. 

Now it my credit report is showing a 30 day late even though this was now my fault. 

I have tried to remedy the situation to no avail I will be attaching documents
Complaint sub-issue: Old information reappears or never goes away

Accounts for student loans have been consolidated and are current but they still appear on credit report as 120 days late. Accounts XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX all show account closed due to transfer but are still appearing on the report causing significant negative implant to credit score.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a loan with XXXX, ACIMA CREDIT XXXX XXXX, and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Complaint sub-issue: Account status incorrect

There is a late payment from XXXX or XXXX of 2019 showing on my credit report from Discover. I was set up for autopay on my account and when logging into the discover app, it showed my payment had been made successfully and did not show me any issues with the payment. I did not realize there was any problem until after they reported it to the credit bureau. Once I was made aware of the late payment reporting on my credit report, I promptly fixed the banking information and paid off the account. If discover had reached out to me and let me know there was an issue, this would have been resolved much sooner. Instead, they kept trying the same payment information for 2 months without informing me the payments were not going through. 

When I call discover and ask them to remove this as this was their fault, they tell me to dispute it with the credit bureaus and they will remove it. However, each time I dispute this 30 day late showing on my credit report, they dont remove it like they promised. 

This single late payment showing up is keeping me from obtaining a mortgage.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX keeps holding me accountable for an account that was opened in my name. I told them that this isn't my loan and someone stole my information to be approved for this vehicle and to get this vehicle. I never attempted to get a vehicle nor made a payment to these people or this account. If there was an arrangement of a payment it was done by the employees trying to force me to pay something on this fraudulent account. they keep insisting I opened this account. I have not. This is illegal. Please provide me with video footage or audio that I, XXXX XXXX came and opened this account. I didn't and it is unfair when I actually want to get a vehicle in my name and get certain things and this account is fraudulent. Every company have insurance when a person defaults on a payment. I am not the person responsible for this account. Yes it was open in my name but I still didn't know about it nor did I open it. Please erase this from my account or I will pursue other actions. I am XXXX and am on fixed income and can not work and refuse to be accountable because someone hacked my information and stole my identity.
Complaint sub-issue: Account information incorrect

No contract Company Refused to COMPLETELY validate the debt per federal guidelines Insufficient response
Complaint sub-issue: Problem with personal statement of dispute

In XXXX, I originally had XXXX student loans that were part of the federal student loan program. Unbeknown to me, at some point, Congress privatized my loans, and they were taken over by XXXX. After recently checking my credit report, I discovered XXXX 90-day late payment for XX/XX/XXXX, but the payment for all the months prior reflected as current. I was under the impression that these loans were automatically included in the provisions to have student loan payments paused under the CARES Act. After speaking with two different XXXXXXXX  customer service representatives on XXXX, I was informed that these two loans were not covered under the CARES Act, and instead, they had been put into suspension under a Student Debt Burden Forbearance. I was also informed that this forbearance was back dated to cover whatever 90-day late payment listed on my credit reports, as if it was never late. Both customer service representatives refused to removed the inaccurate 90 day late payment from my credit report, even by reflection of what they reported, there was no 90 day late payment. This negative 90 day mark on my credit reports is causing me even more undue and unnecessary hardship during this pandemic that our nation is facing. My provisions and protections under the CARES Act have been violated. After the unwillingness of XXXX to comply, I also disputed this information directly with the credit bureaus, and XXXX was said to have verified and updated the information, but the one late payment remains. 

The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, XXXX. XXXX XXXX. XXXX ( XXXX. XXXX, XXXX ), at section XXXX, amends the Fair Credit Reporting Act ( FCRA ). A new subparagraph ( F ) is added to XXXX XXXX. XXXX ( a ) ( XXXX ). This new FCRA subparagraph provides protections only if a creditor approves a consumer for an accommodation. An accommodation is an agreement for a forbearance, a payment deferral, a partial payment agreement, a loan modification, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease XXXX ( COVID-19 ) pandemic during the covered period. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( i ) ( I ). 

I was accommodated when the payments were put in its deferred status, and XXXX did not delete the negative mark from my credit report. They only commented that the payments are deferred until XX/XX/XXXX. I demand that XXXX remove the 90 late payment mark from XX/XX/XXXX, and show it as " ok '' and current.
Complaint sub-issue: Information belongs to someone else

I Call several times and the explosion spoke with the XXXX  and he told me that the information will be removed and blocked and deleted forever off my reports. Im a victim of identity theft and this is not me. I have police reports Ftc as well.
Complaint sub-issue: Trouble with how payments are handled

I had the ability to pay off XXXX of my private loans serviced by AES earlier this month. I call and get all information needed, po box number, and 10 day payoff. I have XXXX account with them. I sent the check certified mail and it was received within 4-5 days of it being mailed. It never posted to my account. I inquired and was told they would look for it. They had the check for over two weeks and now are saying that it does not have the account information, it will not be accepted, I continue to incur more interest and there is a potential of a late fee being assessed by the owner. I forwarded a copy of the check stub, was sent certified from XXXX XXXX showing that it did reference the account number. Also I have XXXX account and the amount of the check was for the amount owed. I find the lack of due diligence, common sense, and how this was dealt with completely unprofessional. In addition I know have the added interest, delinquent account, and the possibility of a late fee. Some reprimand is warranted. These loans are crippling the country and when I try to pay what I owe, I get XXXX one last time ( hopefully although I would imagine that this will continue ). Thank you in advance for your time and consideration.
Complaint sub-issue: Debt was paid

I have paid off the collection CONNS XXXX, but it is still showing on all three credit bureaus as a derogatory mark due to past late payments. This is hurting my credit score and need it removed permanently. I am in the process of buying a home and this collection is hurting my chances of receiving a loan.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I was Disputing a charge on my card that was charged prematurely. I was charged {$5.00} and told if I cancelled within 30 days I would not be charged further. They charged the next fee of {$46.00} the same day. I have been explaining this to My credit card Company. but are failing to understand the situation, that the second charge was charged prematurely. I sent then the charging companies policy and my proof of cancelation according to that policy. I never disputed the {$5.00} as that is legitimate.
Complaint sub-issue: Debt is not mine

This is an inaccurate and invalid collection account placed on my credit report that is not my own. I have sent letters to all XXXX credit bureaus regarding this debt and still continue to see it reporting, this is a gross violation of my consumer rights and under the Fair Credit Reporting Act, I demand that they either furnish documentation verifying this account as my own or immediately remove this file from my reports
Complaint sub-issue: Information belongs to someone else

Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXt # XXXX, has violated my rights. 

LIST ALL ACCOUNTS HERE : XXXX XXXX XXXX XXXX XXXX. XXXX - XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. DEPTEDXXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX - XXXX XXXX. XXXX XXXX XXXX XXXX - XXXX * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file.

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 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: Information belongs to someone else

I have notified Great Lakes multiples times that the account they are reporting on my XXXX  credit file was a result of Identity Theft per the Federal Credit Reporting Act. I mailed them certified letters concerning the issue and asked them to inform XXXX  that this account was a result of Identity Theft. They have failed to do so. I also included a copy of the " Notice to Furnishers of Information '' per the FCRA. I submitted to Great Lakes a copy of my FTC Identity Theft report  and a copy of my police report. This company has failed to remove this Identity Theft account from my XXXX  credit report. Please make sure they adhere.
Complaint sub-issue: Problem while selling or giving up the vehicle

In XXXX, I lease an XXXX XXXX and the financing for the lease was through XXXX XXXX XXXX. In XX/XX/XXXX, I traded-in the XXXX and started a new lease for a XXXX XXXX XXXX. The paperwork was finalized and I owed nothing on the lease and only owed my first month payment at signing. The paperwork was finalized and XXXX XXXX XXXX took back the XXXX XXXX XXXX. The first week of XX/XX/XXXX, I received a notice that my XXXX XXXX payment was late. This car had been purchased back by XXXX XXXX XXXX several weeks earlier in exchange for my new lease XXXX XXXX. I tell XXXX XXXX XXXX the situation and they state that XXXX XXXX XXXX in XXXX Texas has not sent them the payoff. They have had the car for about a month at this point and I have no possession and have traded it back to them via all paperwork that was signed XX/XX/XXXX when XXXX XXXX was purchased. XXXX XXXX XXXX in XXXX Texas tells me that they are backed up getting the payoff information to XXXX XXXX XXXX. I ask them if this will be reported to the Credit Bureaus. I can not get a confirmation that this will not be reported to the bureaus since I do not own the car any longer and XXXX XXXX XXXX is slow to get the payoff to XXXX XXXX I continue to get late notices from XXXX XXXX XXXX even though I have told them XXXX XXXX XXXX has possession of the vehicle and I traded it back to them with the purchase of my new vehicle. I am now in the process of trying to figure out if the late payments have been reported to the Credit Bureaus and to dispute the information if necessary. Due to XXXX XXXX XXXX 's negligence my credit history my be at risk. This is an issue that others considering lease financing and working with XXXX XXXX XXXX XXXX need to be aware of in the future.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

This Visa credit card which was used for XXXX transactions, had two fraudulent charges appear, one from XXXX XXXX for {$1100.00} and the other from XXXX XXXX for {$22.00} on the same day XX/XX/2018. I knew I didn't do these transactions because this is the card I only use at XXXX ( I use a MasterCard which gets mileage points for Non-XXXX transactions ) I wouldn't ever in my life go to a XXXX XXXX and spend over a thousand dollars and I don't know how anyone could spend that much money at a XXXX XXXX without XXXX XXXX   requesting a copy of an ID, it seems like there should be a threshold where they should check for ID for unusually high transactions over {$1000.00}! Also, I wouldn't have gone to XXXX XXXX because I don't drink coffee, ever. 

I reported the transactions as fraudulent to Citi but they shockingly denied my claim because they said the card was, " protected with an embedded EMV chip and was used at a chip enabled card reader. '' I don't know if it's related or not, but there were two duplicate cards which Citi mailed on separate days. I only received one of them. I suggested perhaps it was this other card which was used, but they claim that argument doesn't work because they say the card which was used for the fraudulent transactions was the same card I used for non fraudulent transactions which occurred sometime later, so they say the charges aren't fraud because of that. I am positive the transactions are fraudulent, but I didn't know how to prove it since I am not an expert in this area. 

After my repeatedly insisting that the charges were fraudulent and there must be a way I can get Citi to reverse their decision, I was told that I could just get a police report case number to them and if the police can confirm I was not the person who performed the transactions, it would result in Citi deciding in my favor. I got the police to do an investigation and I sent Citi the police case number and an email from the investigating officer confirming the suspect on the surveillance camera footage was not me, but didn't get a follow up from Citi after that. I tried to call Citi on several occasions to get the case decided in my favor since I provided the police case number, but they won't give me an update. Today I called Citi again to try to get an update and was told they refuse to take phone calls from me in the security department and all other correspondence must be in writing about this matter. I told them that is ridiculous and I gave them the case number as they asked for so this should be resolved now. I also sent Citi a copy of the actual police report which proves it wasn't me who made the transactions. 

I have attached the ( 1 ) police report confirming the suspect who used the card fraudulently was not me, ( 2 ) the  credit card statement which has the two fraudulent transactions circled, and ( 3 ) the denial letter Citi saying they are denying my fraud claim. 

Thank you
Complaint sub-issue: Information belongs to someone else

I XXXX XXXX, I am a victim of Identity theft. I am enclosing my Identification, Identity theft report from the Federal Trade Commission and the Notarized Identity theft Affidavit proving it is in Fact me that submitted this report. I meet all of the requirements for blocking and removing information from my consumer report under 15 USC 1681c-2. Failure to comply is a breach of my consumer rights.
Complaint sub-issue: Didn't receive advertised or promotional terms

XX/XX/XXXX I purchased tires in the amount of {$660.00} with deferred interest until XX/XX/XXXX. 

XX/XX/XXXX, As soon as I started paying down the promotional balance, it shifted out of " promotional deferred '' with the {$33.00} in deferred interest going into the balance. I sent emails through the online customer service on XX/XX/XXXX, XX/XX/XXXX. 

XX/XX/XXXX Sears charged me an additional {$9.00} in interest on the promotional balance. I emailed again on XX/XX/XXXX. I called customer service on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Initially I was told it would take 1-2 business days to see the credit. On XX/XX/XXXX, I was told it may take 5-10 business days but I am due a credit of {$43.00} in erroneous interest charges. As of XX/XX/XXXX, the matter has not been corrected and it has exceeded 5-10 business days.
Complaint sub-issue: Account status incorrect

Dept of ED/Nelnet is currently reporting that I have balance increases for all 17 accounts although I recently received an email from the Department of Education dated XX/XX/XXXX stating that my loans are in " forbearance and or in stopped collections status '' since XX/XX/XXXX and " will remain in that status pending further direction.. ''