Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Funds not handled or disbursed as instructed

Citi Online bank sent me a letter on XX/XX/2021 telling me that they suspected fraud on my account and they froze it. They gave me a phone number to call ( XXXX ) to get this problem resolved. 

I contacted Citi Online bank shortly after receiving their letter. I was transferred to their fraud department. I answered all of their questions including my security questions, and even my security word needed for all transactions. After supplying them all of the information, they told me that they were closing my account and that I would be issued a check within 30 days. I asked them what fraud took place. They abruptly hung up on me without supplying a reason why this was a fraudulent account.

Yesterday I contacted Citi Online bank at the same number and was again transferred to their fraud department. They did say that whomever told me that it would take 30 days to receive my money from the account they closed was in error. They said that it would actually take 30 - 60 business days to make the final confirmation, and then I should wait another 7-10 days for the check to make it through the mail. ( I was able to transfer this money to this bank in less than 3 business days ). I then went to a calendar and counted out the business days and found that I may not receive my money until the end of XXXX. I had asked the customer service representative if I would at least get interest on that money, and he said that I should not expect that. 

Since they closed the account with my money in it, they should not be able to wait four months before they give my money back to me!
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

false collection from XXXX XXXX XXXX XXXX appeared on my credit reports on XX/XX/XXXX affecting my score during my home buying process. I never received notice from the debt collector and the final judgment was made in court stating I owe {$890.00} to XXXX XXXX XXXX in XX/XX/XXXX without me being responsible for fees and lawyers. This was after I was in my new home. I was not able to contest because they sent it to my old address and I paid my rent to the XXXX XXXX XXXX who took my money and said I didnt pay my last month rent. I found this out and called and a woman picked up the phone and said she doesnt work there. The property was cleared out and cleaned and I was out XX/XX/XXXX into my new place. The reason I moved is because they would not fix the plumbing so I call home code enforcement to come out and they did bare minimum to pass inspection and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They refused to fix it so I let the lady know that on XX/XX/XXXX that I will not renew my lease and I will be out by XXXX. XXXX came I received a call from XXXX XXXX she said that their machine was down and she is collecting her tenants payments in cash to meet her by XXXX because she is on the way to another tenants home. I paid and she gave me a receipt. My debt was sold to a collector XXXX XXXX and its reporting I owe {$5200.00} to the rental company. I disputed this and provided court documents to the credit bureaus and it came back accurate which it is not by the legal documents I have. The credit bureaus is reporting inaccurate information.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX # 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: Account information incorrect

On XX/XX/XXXX Complainant entered agreement with XXXX XXXX ( XXXX XXXX XXXX ) for 145 channels of TV service and other benefits at {$19.00} per month. When the bill arrived it was {$75.00} per month. XXXX told XXXX XXXX to cancel the agreement as per the terms of the contract at no charge. XXXX XXXX billed up to {$720.00} before the dispute was settled on XX/XX/XXXX, and billing shows Complainant owes nothing. Equifax and XXXX show that Complainant owes XXXX XXXX {$520.00} which was incorrect from the beginning. Complainant is trying to buy a residence, but the incorrect reporting has ruined his good credit record. XXXX XXXX acted in violation of Alabama 's statute against false advertising, and its actions severely damaged XXXX. Equifax and XXXX also incorrectly show that Complainant owes XXXX XXXX {$480.00} dollars, when the account balance is XXXX. The Complainant 's credit score was further adversely affected based upon incorrect data.
Complaint sub-issue: Trouble with how payments are being handled

This is a deceptive practice complaint against Sallie Mae. They do not allow principal only payments. The payment allocation platform works against students by systematically reducing the payment amount owed if extra money is paid to reduce the principal. Some students may not be aware of this. The platform and the payment process must be modified to help student fairly pay back their loans.
Complaint sub-issue: Their investigation did not fix an error on your report

After discovering this debt with Discover XXXX that did not belong to me. I began years ago asking for validation, send the police reports even attempting to negotiate a settlement to remove this fraudulent accounts. The company refused to validate or provided provide an opportunity to resolve the debts. I have contacted them by mail and phone, my certificate letters asking for validation of the debts and proof had been ignored, they have given me no options to resolve since this debt does not even belong to me and have after my recent attempt to work with them to get removed this debts removed since is not mine. They update this old debt to my report with wrongful identity information which caused my XXXX  score to decrease. I have exhausted all efforts to work with this company to resolve the issue with this debts being reported which does not belong to me, they refuse being reported which does not belong to me, they refuse to effectively communicate.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the XXXX Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts 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, XXXX and I'm including it again. 
XXXX XXXX Balance : {$29000.00} ; XXXX XXXXXXXX XXXX Balance : {$2.00} XXXX  XXXX Balance : {$0.00}
Complaint sub-issue: Information belongs to someone else

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$140.00} DPT EDXXXX XXXX {$3200.00} XXXX XXXX XXXX {$2400.00} DPT EDXXXX XXXX {$1800.00} DPT EDXXXX XXXX {$3300.00}
Complaint sub-issue: Account status incorrect

I just found that XXXX XXXX XXXX has posted a collection item under my account for {$2500.00}. I have never had any transaction with this company nor any other Company that may be linked to this company since I do not owe any company that amount of money. I am demanding for an immediate investigation and removal of this collection item from my account as soon as possible.
Complaint sub-issue: Debt was paid

XXXX XXXX used XXXX different collection agencies to settle a {$360.00} debt. Those collection agencies were XXXX and AFNI. Again they are the same debt. I settled with XXXX and am no longer in an outstanding status with them. AFNI still shows that I owe the same amount I already settled with XXXX. It is harming my credit by remaining open and outstanding when I in fact paid and settled.
Complaint sub-issue: Personal information incorrect

Hello, I was able to verify incorrect information on my credit report, since that moment I just started the process to get in touch with the credit Bureaus in an attempt to get this issue corrected. The sad true its that I never got an answer. I sent lettters for at least 4 times and never got an update or any kind of corresponde. 

At this point and very much frustrated to keep trying to receive an answer from the Credit Bureaus.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person
Complaint sub-issue: Problem with personal statement of dispute

I have been a customer of The Home Depot at least 5 years, in good standing. However, I received a letter in the mail dated XX/XX/2018 stating that my account was now closed ( i.e., the entire {$140000.00} credit line ). Within a week or so of receiving this letter in the mail I called The Home Depots credit department to inquire a little further, because the reasons provided in the letter for the most part did not correspond to the actual findings in my credit bureau profile with XXXX. At that point I was informed that the card was actually closed due to inactivity. However, the letter I received from Home Depot said nothing about inactivity being a factor. The letter only referred to information that they received from XXXX XXXX XXXX XXXX. I then asked The Home Depot representative if my card can be reinstated, since it was just recently closed for inactivity, as I was indeed going to use for home improvements that I had put off for a little while due to among other things a very hectic schedule in my household, one of which included my pursuing and completing my XXXX just recently. 

The representative informed me that there is NO WAY my account could be reinstated, and that I would need to reapply for credit. I was also informed that I should take the issue up with XXXX regarding the information in my credit profile, which is what they also used to base their credit decision. I informed The Home Depot representative that I was so perplexed about the reasons they listed on the letter they sent to me that I signed up with XXXX XXXX  to assist with this issue ( among other things ). The paralegal from XXXX XXXX was also perplexed about the reasons the Home Depot stated in the letter ( e.g., insufficient length of credit history, number of accounts with delinquency, and so on ) because it did not correspond with the information they reviewed on my XXXX credit profile. Additionally, the XXXX  representative also informed me that the reason the information did not match was because there was another individual with the middle name XXXX ( my maiden name ), but with the same first and last name as mine, that may be causing the discrepancy. The representative than informed me that he will notify The Home Depot to inform them that my account should not have been closed ( or something to that affect ). Then I discovered that there was another odd entry on my credit profile from The Home Depot ; So not was my account that was in good standing that was in good standing completely closed, but The Home Depot included an entry on my credit profile that stated the following : Affected by Natural or Declared a Disaster. Therefore, at this point I have decided to reach out to the Consumer Financial Protection Bureau to determine if there are any Fair Credit Reporting Act violations that I would need to have investigated with regards to this matter.
Complaint sub-issue: Their investigation did not fix an error on your report

I reached out to the credit bureau to remove unauthorized and unverified information on my credit report and they have not yet removed it.
Complaint sub-issue: Investigation took more than 30 days

I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
Complaint sub-issue: Information belongs to someone else

I've been disputing my credit file with XXXX, XXXX  and Equifax to correct the errors found on my credit file that they disseminate. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts listed in this complaint ... ..The 3 credit bureaus reports ; inaccurate accounts that has not been investigated, nor a notice of dispute recorded, Re-Aged accounts, inaccurate balance owed, inaccurate Date of last activity, inaccurate Past Due amount, Duplicate collection accounts, Inaccurate open collection account, inaccurate delinquent collection account, inaccurate Past Due amount recorded on a collection account. This is unlawful reporting! After a year of disputing the credit bureaus remain in non-compliance and blatantly records negatively, this is damaging to my credit score and report ... ..Moreover my open accounts Payment data history does not coincide on any accounts, XXXX  Last payment does not coincide with XXXX  payment data history, Equifax does not report my monthly payments made in the historical payment data history on any of my accounts. This type of recording is negative and damaging to my credit score and report and is in violation.
Complaint sub-issue: Investigation took more than 30 days

I filed a dispute in regards to the, incorrect files on my credit report and its been well over 30 days and I haven't received any investigation results.
Complaint sub-issue: Old information reappears or never goes away

In reference to the account opened on XX/XX/2016, I am writing this letter to offer you the opportunity to settle the alleged amount owed to our mutual benefit. Please note that I do not acknowledge any liability for this debt in any form, and I retain my right to request full and complete debt validation from your company. 

However, I am willing to pay off a portion of this account as a show of goodwill under the following conditions : Your company will delete all references to this account from my credit report at the three credit reporting agencies ( XXXX, Equifax, and XXXX ). 
You will not list this debt as a settled account. 
Your company will accept this payment to satisfy the debt in full. 
Your company will not attempt to sell or transfer this debt to another creditor. 
You will make no mention of this agreement to outside third parties. 

If you agree to these terms, I will : Pay the amount of {$500.00} via money order or certified cashiers check or e-check by phone. 

Please understand that this is not a renewed promise to pay. This is a restricted settlement offer and you must agree to the terms above in order for payment to be made. I require your written agreement to these terms on company letterhead and signed by a representative who is authorized to enter into such agreements. 

While Im well aware that your purpose is to collect debts that you have obtained from original creditors, I am also aware that you are under no obligation to report any of these accounts to the credit bureaus. 

That being said, your full cooperation in deleting this account in exchange for payment is appreciated. 

The terms of this offer will expire after 30 days. I look forward to your prompt and positive response. 

In the event that you do not agree with the resolution terms I have offered above, I will move forward with my rights to request a full and complete verification and validation of this debt. 

I am also requesting that you comply with Section 809 of the Fair Debt Collection Practices Act and send me verification and validation as well all documentation proving that I owe this debt ; and a copy of your license to practice debt collection in my state. Additionally, I am also requesting that you send a copy of this letter to the original creditor notifying them that I dispute this debt so that they can not report it as delinquent on my credit report. Likewise, if you have reported this debt to any credit bureau, I request that you also report to them that I dispute owing the debt. 

Sincerely, XXXX XXXX
Complaint sub-issue: Information belongs to someone else

XXXX, XXXX and XXXX are all reporting a fraudulent account on my credit report. Account # : XXXX for {$16000.00} opened XX/XX/XXXX. I received a letter from FedLoan Servicing on XX/XX/XXXX that I needed to pay a Direct Parent Plus Loan for {$16000.00} ; Account # : XXXX. ( FedLoanServicing was not one of the options listed above for a loan holder choice ) I immediately called them to find out what this was about. They told me I opened a student loan in my name only for my daughter XXXX XXXX and that I was responsible for this loan and it was in my name and my name only! I believe my ex-wife ( divorced in XX/XX/XXXX ) used my social security number without my permission to open this account. This account is fraudulent and I will not be held responsible! I did not sign any documentation or approve this loan to be opened in my name. My ex-wife 's name is XXXX XXXX XXXX phone number XXXX and lives in XXXX, GA. I reside in the state of Pennsylvania and had no knowledge of this loan.
Complaint sub-issue: Can't get other flexible options for repaying your loan

Original loan balances {$19000.00} ( Subsidized ) and {$10000.00} ( non-subsidized ) Current loan balance {$45000.00} Amount paid since XXXX : {$110000.00} I had a few late payments and put the loans in deferment when I got divorced, but something seems really wrong here. 
AES recommended to place notes ahead of time on payments to pay the subsidized loan a certain amount, etc. Nothing helps to reduce the principal. 

XX/XX/XXXX : After graduating I began repayment of student loan XXXX XXXX XXXX ( XXXX XXXX XXXX : XXXX ) subsidized loan ( {$19000.00} ) and subsidized loan ( {$10000.00} ). 

XXXX My spouse and I were badgered to consolidate our loans via telephone, so we did. Then AES purchased the loans. Our interest rate is 7.63 % The unsubsidized loan : I am not sure how, but by XX/XX/XXXX our new balance was {$38000.00} XX/XX/XXXX All Loans Disbursement {$48000.00} new balance {$87000.00} ( There was no disbursement taken by us. AES can not explain this transaction or why my balance is now {$87000.00}. ) XX/XX/XXXX All Loans -Loan Consolidation {$39000.00} {$48000.00} ( Now my balance is $ XXXX AES can not explain why ) The Subsidized loan : XX/XX/XXXX our new balance was SUBSPC + {$13000.00}. 
XX/XX/XXXX : Current Balance of this loan : {$12000.00}
Complaint sub-issue: Right to dispute notice not received

The account is a XXXX account I had at my previous apartment unit about 3 years ago. I moved to a new unit in the same complex without being aware that I owe a balance of {$100.00} on my XXXX Cable. 

I was never contacted about paying this debt. Partly because correspondence is sent to an old address or my name is spelled wrong ( As can be seen in the attached document ) I suddenly see this item on my credit report as I now check it often for inaccuracies. I immediately called the Collection Agency and paid the amount in full XXXX along with a {$5.00} processing fee paid to PAY IN SECONDS. 

I made it known to the agent that if they had contacted me prior I would have made the payment to which she had no response, She however advised me that it can be deleted if i went through the right channel, which brings me to this site. 

According to the credit reporting agency this damaging record will remain on my account till XX/XX/2021. Since I paid the full amount the same day it was reported, I request a DELETION of this derogatory item from my XXXX credit file.
Complaint sub-issue: Reporting company used your report improperly

I have a new hard inquiry on my XXXX that I don't know. It is from elan financial whom I don't know They have left no contact info. 
I called XXXX with no results. Please help for I believe this is an attempt of identity theft.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have a lot of unauthorized inquiries on my credit report. I am submitting this complaint due to the lack of investigation into my original dispute of the hard inquiries that does not belong to me. These inquires are hindering me from receiving future credit and I am requesting for these inquires to be removed.