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

To Whom it May Concern : On a recent review of my credit report I discovered your company issued late payments on my credit report for XX/XX/XXXX. 

At the time I was living at : XXXX XXXX XXXX # XXXX XXXX XXXXXXXX CA XXXX and the State of California issued mandatory stay at home orders starting XX/XX/XXXX. These mandatory stay at home orders were in effect until XX/XX/XXXX. 

I am seeking to have these late payments completely removed from my credit profile due to government mandated lockdowns and it affecting my income as a result. 

You will notice I still have this car loan, have made all payments on time before and after, and will continue to do so. 

I can be reached at the mailing address on this letter and please have this resolved within 30 days of receipt. 

Thank you for your attention to this matter.
Complaint sub-issue: Information belongs to someone else

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX Inquiry : XX/XX/2020, AQUA FINANCE Inquiry : XX/XX/2020, XXXX XXXX XXXX Inquiry : XX/XX/2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Complaint sub-issue: Account status incorrect

Nationwide Acceptance, dba XXXX XXXX, is reporting a late payment in XX/XX/2019 but the balance was paid in full on XX/XX/19.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Equifax said my information was breached in their security breach
Complaint sub-issue: Credit inquiries on your report that you don't recognize

To whom this  may con cern, I recently reviewed my credit report on  XXXX   XXXX ,  2017 and  noticed there was improper usage on my credit report. There were several unauthorized credit inquiries from unknown sources that were listed. I have no knowledge of these unauthorized inquiries and I am therefore seeking for the inquiries to be removed immediately.     Thanking you in advance for your prompt action of this matter.     Kind Regards , Concerned Consumer
Complaint sub-issue: Other problem

XX/XX/20 {$120.00} and change of due date without prior notification of change : Citi bank credit card continue harassing for payments by changing due date without prior notifications! I have not missed any payments or owe payments. Citi bank change due day of payments from XXXX each month to XXXX of month and they sent very confusing message day after due date. I do not comprehend why this people making psychologically burden on the payments. They put me in a stress really getting to bother my daily activities .To my understanding Only reason they changed due dates send me a notification day after due date in that they try to get extra fees which is illegal and psychologically stress me out! Only reason they send the notification is that they try to make legit of illegal changing dates. Everything is on attachments
Complaint sub-issue: Debt is not yours

I have written a letter years ago claiming I know nothing about the XXXX card, when I found out about a credit card debt. I wad advices by the store manager to write a letter to remove the information from my account. 2yrs later, its still reflective. i found the number affiliated to th3 debt collection and was told to write a letter so they could discharge it which was this year XX/XX/2019.
Complaint sub-issue: Investigation took more than 30 days

I sent a letter to LexisNexis via certified mail requesting that they verify the erroneous entries their company is reporting about me. The tracking from the USPS XXXX shows the letter was delivered on Tuesday, XX/XX/XXXX. It has been more than 30 days as today is XX/XX/XXXX, and I have not received any proof that the company investigated this matter at all. 

Therefore, in accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information known to be false, can not be reported to any credit bureau , I request that they immediately delete this information from my reports.

Excerpt of the original letter I sent containing the inaccuracies.

" I was recently informed of negative information reported in the file LexisNexis maintains under my Social Security number. Upon ordering a copy of the report, I found the following inaccurate : Eviction ( s ) : 16CC00519 Date : XX/XX/XXXX Dismissed Wrongfully filed and the case was dismissed please remove. 

Phone numbers that are NOT : XXXX XXXX Must be removed Addresses that are NOT : XXXX XXXX XXXX, XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Must be removed Email addresses that are NOT : XXXX XXXX Must be removed Traffic Violations : Case # XXXX Date : XX/XX/XXXX Not traffic related Case # XXXX Date : XX/XX/XXXX Statute of Limitations Case # XXXX Date : XX/XX/XXXX Statute of Limitations Case # XXXX Date : XX/XX/XXXX Statute of Limitations Case # XXXX Date : XX/XX/XXXX Statute of Limitations Case # XXXX Date : XX/XX/XXXX Statute of Limitations Case # XXXX Date : XX/XX/XXXX Statute of Limitations Case # XXXX Date : XX/XX/XXXX Statute of Limitations Case # XXXX Date : XX/XX/XXXX Statute of Limitations Case # XXXX Date : XX/XX/XXXX Statute of Limitations Case # XXXX Date : XX/XX/XXXX Statute of Limitations Must be removed Please validate this information and provide me with copies of any documentation associated with the above mentioned. In the absence of any such documentation, I ask that this information be immediately deleted from the record you maintain under my Social Security number and provide an updated report. ''
Complaint sub-issue: Old information reappears or never goes away

I continue to have problems financing and my  FICA  score is continually low way under  XXXX . They have my grandfathers information even though we have separate ss numbers, and a different middle name. They have old and outdated information which after corrected reappears. While they will give me a report I can not download it for review, print it or anything. It takes weeks to get a copy meanwhile my finances are impacted. Wrong information is of course shared between all   XXXX   credit bureaus and none evidently care what is posted correct or otherwise.
Complaint sub-issue: Problem lowering your monthly payments

I am {$190000.00} in debt with Sallie Mae for my XXXX degree from a public university. I was never told that my loans could never be consolidated, and that the company would be expecting over {$2000.00} a month from me for the combined monthly payments of all of my loans. Eventually, after forbearance for the maximum amount of time and a few months of missed payments, I was able to negotiate down the monthly payment to {$1000.00}. I have been paying this since XXXX of this year, with occasional help from my cosigner. This amount is simply unsustainable for me, as well as for my XXXX year old retired grandmother who never went to college and would have never cosigned my loans for me if she knew it would cause so much stress and financial hardship after I graduated. The company has regularly taken money from my bank account without my consent, causing me to miss rent and car payments. I do not know what to do, I can not keep paying this large amount every month and neither can my cosigner, who is on a retirement income. Due to the pandemic, I had to cancel my plans to move for employment ; and now, due to these high monthly payments, I am unable to save any money to better my life. My landlords are raising my rent and I already barely eat or buy necessities, and I feel utterly hopeless about my financial situation as long as these high monthly payments are being demanded of me.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I was denied as a co signer on a student loan for my daughter by discover student loans. I had previously been accepted but the dates needed to be changed so when it was re processed I was told I couldnt co- sign because Equifax reported a past or present delinquent account. I was finally able to get in touch with Equifax, a worker who would only identify himself as XXXX went over my report and stated it was a mistake and to tell XXXX to contact their customer service # and it would be taken care of. Nothing they did two more checks and I was denied both times. All that contacting Equifax did was further damage my credit. Can you please tell me what I can do. Equifax is extremely difficult to contact.
Complaint sub-issue: Their investigation did not fix an error on your report

contravention to 15 U.S. Code 1681c2 ( a ) - Block of information resulting from identity theft. over 150 days for repeated disputes and investigation until inaccurate accounts were deleted ; XX/XX/2021 accounts were reinserted again inaccurately and evidence was submitted with inaccuracies and incompleteness and it has not been blocked as instructed after 4 days. This has become a tremendous inconvenience without any cooperation from representatives after calling in several occasion to help resolve this matter. reported accounts have been settled as paid in full never late, paid as agreed never late but continues to show XXXX balance as past due over 120 days with no amount past due, which is impossible for XXXX balance to be past due. This reports negatively on report. Please investigate this as it has been 2 years of back and forth to rectify this matter.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am requesting a reinvestigation and your Method of Verification.
Complaint sub-issue: Card opened as result of identity theft or fraud

On XX/XX/XXXX, I applied for a business line of credit with Iron Capital Group. This was under the understanding that personal credit would come into account, however, still under the business entity and under the pretense that this would be like a loan, line of credit or one credit card for the business. On XX/XX/XXXX, I found out that this company ( Iron Capital Group ) applied for about 15 credit cards in my personal name. Opening up credit card lines with out prior permission. When requested a list of companies they submitted information to, they only provided piece mill information. Making a huge decrease in my personal credit scores. This came about when XXXX XXXX  from Iron Capital sent an email stating, " if the credit card company calls, don't tell them we did your application. '' wanting me to provide fraudulent information to the creditor. Then, created an email on their own behalf ( Iron Capital Group ) with out my approval to communicate with these credit card companies. Not knowing WHAT information they have provided on my behalf and if it is even fraudulent or fictitious.

THE BIG ONE : contacted existing personal mortgage lenders, with perfect standings, and changed contact information. this was discovered when the mortgage lender contacted me regarding a fraud alert.

When requested Iron Capital Group to cease and desist. Which they did not and requested a fee of {$5300.00} for their service.
Complaint sub-issue: Investigation took more than 30 days

I have notice that i have a medical bill on my credit report that has been affecting my credit score.I haven't gave anyone my consent to share medical information with third-party consumers.This is a violation of HIPAA and it should be removed from my Equifax, XXXX, and XXXX  credit reports.Its been well over 30 days since I've received any results regarding my dispute with the 3 major credit bureaus ; Equifax, XXXX, and XXXX.
Complaint sub-issue: Didn't receive advertised or promotional terms

The Home Depot credit card through Citi bank offers a {$25.00} discount on your first purchase. I purchased an item on XX/XX/XXXX for {$37.00}. I now have my XX/XX/XXXX statement with a balance of {$37.00} and minimum due of {$28.00} on XX/XX/XXXX. I should only owe {$12.00}, but they want me to pay {$28.00} and wait for them to process that, then ask for the money back they owe me - or, I can pay what I actually owe and have a derogatory mark on my credit report. 

I spoke with them last week ( Saturday XX/XX/28 ), the person I spoke with said he was processing my credit and that, while it wouldn't show up in my statement for a long time ( one to two credit cycles ), it would be reflected in my online balance in a matter of days. today is XXXX and it hadn't shown up so I called again. I spoke to a clerk, then a manager. both saying the credit would not show up for a cycle or two, and that I need to pay them money I don't owe. 

I told the manager that every other credit card company I have ever dealt with, which are many, can apply changes to an account and they show up within days - if not instantly. if they have put my credit in, why are they unable to reflect it on my account?! 

I should not have to send them money that is not owed to them and wait the same amount of cycles for them to send it back to me!
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, and I am submitting this regarding the unauthorized inquiries I found on my Credit Report. The last dispute I sent to the Credit Bureaus was XX/XX/XXXX but I received nothing from them. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The Equifax, XXXX, and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i and FCRA section 605b, and continued to report unverified information without providing any proof required by law. The 3 Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following Inquiries to be removed as soon as possible. 
XXXX Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX I XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I XXXX XXXX is writing you to inform you that you are in violation of the 15 U.S.C. 1681a ( d ) ( XXXX ) ( B ) any authorization or approval of specific extension of. Credit directly or indirectly by the issuer of a credit card or similar device. The definition of a credit card in 15 U.S.C 1602 ( I ) the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I want to block and remove these accounts pursuant to 15 U.S.C 1681c-2. It should not be declined, this information is not being blocked in error by me the consumer, or on the basis of a material misrepresentation of fact by the consumer relevant to the request to block, or the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions and I didnt receive any goods. You are in violation of 15 U.S.C.1681n ( a ). any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}.
Complaint sub-issue: Frequent or repeated calls

Contacted neighbor by phone, despite not having permission or information by debtor to seek contact via this party.
Complaint sub-issue: Problem with personal statement of dispute

I have contacted XXXX  3 times to file an appeal to a decision to raise the credit limit on my card based upon incorrect information reported by Equifax and XXXX. I have not received a letter for denial nor a copy of the credit report they used to justify their decision. They have provided no information to justify their decision.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act the following company has violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 Section 604 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.
Complaint sub-issue: Information belongs to someone else

The Accounts I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. Also, the information you provided on some accounts is DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some accounts is a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to delete this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. XXXX XXXX XXXX
Complaint sub-issue: Account status

I have attempted on multiple occasions to correct an error on my Equifax credit report pertaining to a mortgage that was paid off XX/XX/2011 but is still listed on my credit report as an open account with a balance of {$440000.00}.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( XXXX 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 a account without my written instructions
Complaint sub-issue: Public record information inaccurate

I had a bankruptcy show up on my XXXX report that was never filed by me. I have gotten XXXX XXXX to remove this from my file. They've written me two letters and sent me my personal file showing no bankruptcy. I've provided this to Equifax on multiple occasions, including via fax and electronically and they will not remove this blatantly false record from my credit report. XXXX  's online portal for uploading supporting documents won't work and XXXX  's online dispute function is completely broken. I need this record removed by all 3 bureaus.
Complaint sub-issue: Non-sufficient funds and associated fees

This is a continuation of XXXX. 

This is a continuation of the complaint that I filed with the Consumer Financial Protection Bureau. 

As is indicated in Citibank 's records, from XX/XX/2022 to XX/XX/2022, my online transaction history did not reflect payment of {$99.00} for the XXXX  software until XX/XX/2022. According to the person with whom I spoke today, even with the {$99.00} which was credited back to my account today because of my request for refund, my account is still {$78.00} short. She said that I was short {$170.00}. The {$170.00} short was never reflected in my transaction history. 

I counted my transactions and discovered that I overspent. Please note, however, that the overspending is related to Citibank 's not keeping an accurate record my transaction history, and the associated balances that were misrepresented from XX/XX/2022 until today. 

Lastly, I received an e-mail from Citibank that it would suspend my account. If my account is suspended ( or closed ), I will not be able to receive my XXXX monies from the Social Security Administration. If this happens, I have to file a complaint with the Americans with Disabilities Act because I have a right to receive my XXXX payment without my account being closed as an act of retaliation. 

Where Citibank is concerned, I plan to close the account, but I will not close it until receive my XXXX money from the Social Security Administration. I do not want to close the account leaving a negative balance. 

Thank you.
Complaint sub-issue: Talked to a third-party about your debt

XXXX from XXXX XXXX XXXX has been harassing my friends and family members, even immediately after I called and spoke to them. They have no reason to talk to any of these people, unless it's to get my whereabouts, and since I am in contact with them, this is nothing but harassment of them and me. 

I told XXXX, I regret this situation. I acknowledge my obligation. Im committed to repaying you in full, and as quickly as is possible. My financial situation is difficult and unclear at this point. I will be back in touch with you in two weeks to discuss a repayment schedule. 

XXXX would not accept this and kept harassing me on the phone. When we hung up he immediately called a friend of mine, woke her up, and harassed her to " Get information on XXXX. '' In addition, they have attempted to contact the mother of this friend ( whom I have never met ) to talk about this delinquent loan as well.
Complaint sub-issue: Trouble with how payments are being handled

So I have been dealing with Sallie Mae for about two years now. I didnt have a bank account when I started paying them I had a prepaid card from work that I was trying to use. I eventually got a bank account and started making payments very consistently, I had a couple reversed but I got them paid. They were supposed to be taking it out automatically around early XXXX but they said that due to a bunch of unsuccessful payments they could no longer do it. After that they started calling and harassing my XXXX XXXX XXXX grandfather. I called them and told them not to contact him to only call me and they stopped calling him and even lowered my monthly payments. Currently in XXXX I have had to still call and make payments they keep saying they will unlock my account online but it has never been unlocked. I had one late payment which I paid but they double charged me for XX/XX/XXXX payment along with the XX/XX/XXXX payment which was the late fee I only wanted to pay XXXX and they did not give me the option to just pay for the late payment.
Complaint sub-issue: Information belongs to someone else

{$920.00} from XXXX XXXX XXXX  XXXX and Equifax and XXXX continue to report negative fradulent information on my credit report. They are in violation of the FCRA