Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

CitiCards CBNA is inaccurately reporting XXXX late payments on an account that was discharged in XXXX XXXX - Bankruptcy. This creditor is vindictively refusing to correct the error in reporting to the credit bureaus causing me severe financial harm and increased interest rates on accounts with other creditors. 

I have submitted disputes through the credit bureaus and attempted several times to contact the creditor directly, where they hang up on me or direct me to pre-recorded information that is not relevant to my situation. The single time I was able to speak to a customer service representative for CitiCards CBNA, they told me I need to pay the discharged debt in order for them to take any action on my credit report errors. Attempting to collect a discharged debt in Bankruptcy is a violation of Federal Bankruptcy Law The debt was discharged in XXXX and the vindictive nature of CitiCards CBNA actions is to circumvent Bankruptcy protection laws and attempt to collect the debt that was legally discharged.
Complaint sub-issue: Account information incorrect

On XX/XX/XXXX, I sent out a letter to all XXXX credit bureaus stating that the Department of Education/Nelnet is reporting inaccurate information. On XX/XX/XXXX, I sent a letter to the Department of Education/Nelnet regarding my concerns about reporting inaccurate information to XXXX, XXXX, and XXXX. I never got a response back from Nelnet. I sent out 3 additional disputes to all XXXX credit bureaus on XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX and the late payments for XXXX accounts are still reporting " LATE '' for six months from XX/XX/XXXX to XX/XX/XXXX. 

I Provided documents to Nelnet and to all XXXX credit bureaus that I was never late, I was in school with XXXX units or more and I just recently graduated on XX/XX/XXXX. Furthermore, payments back to student loans begging 6 months after you are done with school.
Complaint sub-issue: Their investigation did not fix an error on your report

This is already my third time submitting this complaint. I have told you already, I was never late on this account. In fact, there are multiple errors with this account. Please check the last payment, the account number, etc. This is a good standing account. Please verify that all information are XXXX percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. This is a strict violation of Fair Credit Reporting Act sections 611, 616 & 617.. Please remove negativity, fix and correct all inaccuracies.. 

XXXX XXXX XXXX
Complaint sub-issue: Trouble with how payments are being handled

XXXX is either incapable or at least has not been able to apply a consolidation payment to the loans I've specified. 
- On XX/XX/XXXX, I began the process of consolidating all of my un-subsidized student loans held by XXXX and XXXX XXXX XXXX through XXXX. 
- Payment was disbursed on XX/XX/XXXX. That same day I called to notify both of the current loan holders XXXX and XXXX XXXX XXXX of my plans to consolidate and requested to only apply the payment towards the un-subsidized loans. 
- Payment was posted on the XXXX account on XX/XX/XXXX. I called to inquire why the payment was not applied as directed, as it was evenly distributed to all loan. I re-request again to apply payment only to un-subsidized loans. 
- I requested to speak to supervisor and spoke with XXXX ( agent number XXXX ) who said the payment should be allocated as requested two weeks from the current date. 
- It is XX/XX/2018 and the payment has not been allocated as requested. The payment for the month of XXXX has now been posted. 
- Interest has continued to accumulate on loans that should have been paid off two weeks ago, and is being included for the current payment due in XXXX.
Complaint sub-issue: Debt is not mine

Procollect Collection agency reported a debt of {$870.00} by error to my credit report, I find out of that debt when I was trying to get a Home Loan and I was told that I needed to pay that first. Credit report was showing that balance was from Original creditor XXXX XXXX, I contacted that storage place and talked to a Supervisor, I faxed over my information over to them. They advised me that they did not reported anything under my SSN to credit report, and that the error is from the collection agency. 
I contacted Procollect on XXXX/XXXX/XXXX and talk to XXXX XXXX I told him that there was an error that account # XXXX with a debt of {$870.00} from original creditor Assured Self Storage was not mine. He advised me Fax my DL, SSN and a Police report. I faxed over My information and also contacted them back to make sure it was received. I was told account was going to under investigation. On XXXX/XXXX/XXXX I received a letter from Procollect stating that was a true debt and also they mailed me a contract of for a storage unit under the name of XXXX XXXX XXXX Last XXXX of SSN # XXXX, date of birth XXXX/XXXX/XXXX From XXXX. 
I contacted them back to dispute again because on the contract clearly stated that me and the person who signed the contract are XXXX different person because my name is XXXX XXXX XXXX last of my SSN XXXX, my date of birth XXXX/XXXX/XXXX I 'm not from XXXX. I told them this tells me that you did n't even took the time to review my case and resolved BIG MISTAKE ypu have made. I talked to Supervisors and they keep telling me that is my debt and that I need to pay. I called them so many times to fix issue and they are not listening. I think is unfair to charge me for some XXXX else debt and this company should not be running a business, because they charging to the wrong person, also this their employees are very rude that makes your life so difficulty. You can not imagine how much time and tears I have waste because of this company, I even had to go to the doctor and asked for medication because I was so stressed out about this issue and my XXXX XXXX, and the worse thing is not is not even my debt. I contacted local police dept. for help. Detective XXXX assisted me contacting them, they told her that it was going to be taking care, the next day this collection agency call me back again asking to pay that bill. After I faxed and email my proof they did nothing to fix the problem I called the XXXX and file a claim with them they told as well that it was going to take care. I contacted Procollect to ask for a letter stating that issue has been taking care and that balance has been removed from credit report, I 'm asking for the letter because I do n't trust them and I 'm scare that this is going to happen again. When I called they keep telling that they will give me a call back, but they are not returning my call back. Please help me with this issue and please do something about this abusive company.
Complaint sub-issue: Information belongs to someone else

I previously contacted the companies and listed with documents below the mentioned accounts are fraudulent. I have contacted the data furnisher and asked them to remove these accounts please check and fix this issue : ACCOUNTS : 1. XXXX/XXXX  2.XXXX XXXX 3.XXXX 4.XXXX/XXXX  5.XXXX XXXX
Complaint sub-issue: You never received your bill or did not know a payment was due

Citi Cards, XXXX, XXXX. Stopped my bank autopay. I became past due. 90 days with past due of {$140.00}. XX/XX/XXXX I could not access my acct online due to volume virus. Paid {$300.00} by bank bill pay. XX/XX/XXXX received closed acct dated XX/XX/XXXX. I changed password and paid {$2100.00} balance. Filed a feed back form. No response. Phone for 2+ hold then next day 2+hours hold. Today now on hold 1+hr.+. Can get no response. They have my phone, email, banking onfo and filed a negative credit report of 90 days. I have no, none derog/bad credit on my report. I paid as soon as I knew they had stopped my autopay. I have another card XXXX that is auto pay. I paid that acct in full.I would just like the derog credit removed from my file. I am still holding, will all day. Thanks
Complaint sub-issue: Their investigation did not fix an error on your report

MY PERSONAL INFORMATION HAS BEEN COMPROMISED AND THERE ARE FRAUDULENT ACCOUNT ON MY CREDIT REPORTS EQUIFAX XXXX AND XXXX ARE REPORTING INCORRECT DATA AND ACCOUNTS THAT DO NOT BELONG TO ME AND THERE ARE ALSO 2 ADDRESSES ( XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ) & ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME WHICH WAS ALSO USED TO OPEN UP FRAUDULENT INSTALLMENT LOAN ACCOUNTS IN MY NAME I HAVE FILED A POLICE REPORT ABOUT THE ACCOUNTS FROM THE FOLLOWING CREDITORS ( 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 XXXXUS DEPT OF ED/XXXX XXXX I HAVE BEEN DISPUTING THIS MATTER SINCE XXXX AND THE CREDIT BUREAUS ARE NOT RESPONDING IN A TIMELY MANNER AND THEY ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME ALONG WITH THE FACT THIS IS HAMPERING ME FROM HAVING GOOD CREDIT ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXUS DEPT OF ED/XXXX XXXXXXXX
Complaint sub-issue: Reporting company used your report improperly

Hello I am a victim of identity theft and this is a ongoing situation. There are accounts listed XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX and XXXXXXXX XXXX XXXXXXXX that are not mine or paid and needs to be removed. Many letters to the companies and credit reporting agencies were mailed to advise them of this. There seems to be a confusion on the account being association to me and I do not take responsibility for something that is not mine. I have contacted through " certified mail '' XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX Equifax, XXXX, and XXXX many times. So tell me what gives this company the right to report false information? By reporting anything I say is false on my credit file is a violation to federal law.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit report act conversion the following accounts XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX AND XXXX XXXX XXXX # XXXX are not being reported fairly and equitable and my consumer rights have been violated. The bureaus are not reporting 100 % accurate information on my credit report, late payments, account numbers, dates of last activity, account status and balances. 

The credit bureaus are in violation because of inaccurate, invalidated, and unverifiable reporting tactics, 15 USC 1681 section 602 A states I have the right to privacy, 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish your account without my written instructions. I have sent letters requesting them to verify the accuracy of these accounts.
Complaint sub-issue: Received bad information about your loan

I am the wife of a military member and lost my job in XX/XX/XXXX. On XX/XX/XXXX, I submitted my husband 's military pay statement for XXXX to recalculate my income based repayment amount. On, XX/XX/XXXX, I received notification of an erroneously calculated new payment amount. They erroneously included my husband 's non-taxable housing and food allowance in his salary. My payment before I lost my job was {$750.00} and was erroneously recalculated to {$850.00}. When I was notified of this increase, I knew they made a mistake and called them the same day to review their mistake. They did and recalculated my payment to the correct amount of {$560.00} on XX/XX/XXXX. 

My XXXX payment was still reflecting {$850.00} due on XX/XX/XXXX. I called them and they told me it was nothing they could do to have the correct amount reflected. I had two options : 1 ) pay the {$850.00} or 2 ) request a forbearance to skip the XXXX payment. I explained to them that my husband and I could no longer afford the {$750.00} without my income so there was no way we could afford {$850.00}. I also explained to them that it was unfair that I had to suffer because of their mistake. The loan specialist on the phone explained to me that there would be no negative ramifications of using a forbearance. However, I received a notice on XX/XX/XXXX from XXXX stating that {$11000.00} of unpaid interest is going to be capitalized due to the change in my payment structure. When I called them, they told me I should have read the forbearance application and would have known that unpaid interest would be capitalized. I am in total shock that this has happened to me because of their mistake. I feel completely victimized and helpless. I would appreciate any assistance you can offer.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There 4 hard inquiries on my report thats not mines XXXX ( Bank ) XX/XX/2021 XXXX ( Home Shopping ) XX/XX/2021 XXXXXXXX ( Bank ) XX/XX/2021 XXXX ( Home shopping ) XXXX XXXX
Complaint sub-issue: Information belongs to someone else

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, PNC BANK and XXXX XXXX XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Complaint sub-issue: Debt is not yours

those people claiming to work for CARVANA refuse to follow cited law, which you will see in the attached 'CARVANA_CFPV_GOV_complaint.pdf '. aside from that, it is written in the most popular used law dictionary, according to XXXX, which is the XXXX  's law dictionary, " DRIVER. One employed in conducting or operating a coach, carriage, wagon, or other vehicle, with horses, mules, or other animals, or a bicycle, tricycle, or motor car, though not a street railroad car. A person actually doing driving, whether employed by owner to drive or driving his own vevehicle. XXXX XXXX XXXX, XXXX XXXX. XXXX, XXXX XXXX XXXX, XXXX ''. '' again, drivers are persons, i.e. the employed, that XXXX drive for 'a living ' '', i.e. taxi driver persons, ridesharing driver persons, semi-truck driver persons, delivery driver persons. as for people? people have a god-given right to travel freely because people were already granted the right to travel by a XXXX XXXX that no man can match nor overthrow. therefore, it serves absolutely no purpose in participating in the drivers licensing program, service - or whatever you wish to call it - and is absolutely pointless in obtaining such identification or member card for any pupose.
Complaint sub-issue: Information belongs to someone else

THE DISPUTED INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE INQUIRIES REMOVE OFF MY CREDIT. PLEASE HAVE THESE INQUIRIES COMPLETELY OFF MY CREDIT REPORT FOR IT HAS BEEN TARNISHING MY CREDIT FILE AND NAME.
Complaint sub-issue: Debt is not mine

I have received several calls in the past 2 weeks from a debt collection company call XXXX XXXX XXXX XXXX XXXX. I was contacted concerning a {$340.00} debt in XXXX with XXXX. I was told that the debt was given to XXXX XXXX XXXX by XXXX ( another debt collections agency ) on XXXX XXXX, XXXX. I was also told " XXXX did n't have a phone number to XXXX but I can XXXX them ''. XXXX of the people I talked with at XXXX XXXX XXXX was XXXX XXXX. XXXX XXXX demanded that I either " pay my debt or dispute it ''. I explained several times to XXXX that I already disputed the bill and it was removed from my credit a few years ago because in XXXX XXXX was charging their bills in advance without notifying us as customers. I requested that I be transferred XXXX to ensure this wo n't be an issues going forward since its been 11 years but, was refused my request. I did XXXX and found their phone number XXXX. I talked to an operator who then transferred me to someone in " consumer credit '' named XXXX. XXXX did n't know how to help me either and ended transferring me back to XXXX without any solution to my concern.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my updated reports, there are incorrect items were found in my which I believe has been taken care of due to the written appeals I sent. 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 delete immediately : XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, C ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$220.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Inquiries made by companies knowing I didnt qualify for what they were offering. Credit card, Morgage loan, ect.
Complaint sub-issue: Account status incorrect

In the midst of the pandemic in XXXX, my husband ( who has submitted a duplicate CFPB complaint ) and I returned our XXXX lease vehicle exactly as agreed in early XX/XX/XXXX, one day before we temporarily moved overseas. All our monthly lease payments were completed without a missed payment. We advised XXXX XXXX by phone that we wished to receive the final bill by email which we understood contained an administrative vehicle return fee over and above all lease payments which we had fully paid on time with no delinquency. We explained that we would be overseas and there would be delays in receiving any paper mail while we were overseas. We did not receive the requested email with the final bill. Shortly after we returned to the USA in late XXXX, we found in mail delivered by a neighbor a final bill and a debt collection notice with the unpaid amount. We paid the bill by check in early XXXX ( documents attached - imaged check, bank statement, mailed envelope ). The check was cashed as noted in our bank statement but we did not receive a notice from XXXX XXXX. We subsequently received our backlog mail at our local post office ( collection was delayed because of pandemic-related safety issues ) and also received a home delivery of previous mail many weeks after it was sent ( which many other folks we know also experienced with USPS in late XXXX/early XXXX for reasons unclear to us ). We found in our accumulated and delayed mail backlog a debt collection notice with additional late fees claimed beyond the final amount due which we had paid by check as mentioned previously. To our shock, what was being billed was about twice the original amount we had already paid and with no previous warning of any kind. In any case, we assumed this collection letter we received belatedly would be superseded by a payment acknowledgment of the original amount due after the check for the same was sent and cashed by XXXX XXXX in XX/XX/XXXX per attached documents. 

We have also just this weekend end XX/XX/XXXX discovered an adverse reference to this matter in our credit report. We believe that our good faith in seeking to fully pay our debt is not properly reflected as our credit report currently stands. We have asked XXXX XXXX XXXX XXXX to urgently resolve this matter by acknowledging our final payment and also removing the adverse credit report entry. We add that we have not any non-payment of any of our debts in the past except for very few minor delays in very few payments and which were due to overseas travel. In fact, all our bank and revolving credits have an exceptional standing. All payments on all our accounts are up to date. The above was a truly exceptional situation which occurred under pandemic circumstances.
Complaint sub-issue: Information belongs to someone else

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, Equifax and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX XXXX Balance : {$240.00} ; XXXX XXXX XXXX : {$3200.00} ; XXXX XXXX XXXXXXXX Balance : {$310.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem getting report or credit score

i can not verfiy my identy on the question so i need to get that fixed
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax Information Services, LLC. XXXX XXXX XXXX. XXXX, GA XXXX Re : Social Security Number XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1. XXXX XXXX XXXX, NCXXXX  ( XXXX ) XXXX 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. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.
Complaint sub-issue: Problem accessing account

I have a FDIC account in my HSA ( health savings account ) with Optumbank. Website does not work and has been down for days. Called customer service ( XXXX ), and supervisor ( XXXX ) to access funds. They did not help. Only stated i could try to access website some other time. Not acceptable to prohibit access to an FDIC account for days. Please investigate Optumbank.