Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Public record

I was laid off my job in XX/XX/XXXX that I was at for nine years. I started receiving state assistance by the state of Delaware. It seem there was an overpayment in XX/XX/XXXX or XX/XX/XXXX. The state claimed they sent me a letter in XX/XX/XXXX to an address I was no longer at and some one signed for it. 
when they had a correct address for me.XX/XX/XXXX my son was still receiving XXXX. never received the letter at the correct address that they had for me. The debt was paid by me from my income taxes that were intercepted. 
this is how I found out. I have been working very hard to clear all my debt one at a time since regaining employment in XX/XX/XXXX with better income to allow me to clear my debt one at a time. I have done a pretty good job. I am in the process of trying to obtain a mortgage I have written all XXXX credit bureaus explaining how this judgment is hindering me from obtaining a mortgage, XXXX and XXXX has removed it from my credit report I have made several attempts with Equifax to remove and they have n't and continues to update my credit report with it every month that drops my credit score.
Complaint sub-issue: Their investigation did not fix an error on your report

I am writing to dispute the following information that appears on my Equifax report from XX/XX/XXXX : XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$5800.00}. 
This account is incorrectly reporting that I have XXXX late payments. On my XXXX report there are XXXX late payments being reported. 

XXXX. XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$3100.00}. 
This account is incorrectly reporting that I have XXXX late payments. On my XXXX report there are XXXX late payments being reported. 

XXXX. XXXX  account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I previously disputed this account with the credit bureaus and it was deleted from my XXXX report but Equifax failed to perform an investigation and delete the disputed information. 
XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$6200.00}. 
This account is incorrectly reporting that I have XXXX late payments. On my XXXX report there are XXXX late payments being reported. 

XXXX. XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$910.00}. 
This account is incorrectly reporting that I have XXXX late payments. On my XXXX report there are XXXX late payments being reported. 

XXXX. XXXX XXXX  XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$7200.00}. 
This account is incorrectly reporting that I have XXXX late payments. On my XXXX report there are XXXX late payments being reported. 

XXXX. XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I previously disputed this account with the credit bureaus and it was deleted from my XXXX report but Equifax failed to perform an investigation and delete the disputed information. 

XXXX. XXXX  XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$5700.00}. 
This account is incorrectly reporting that I have XXXX late payments. On my XXXX report there are XXXX late payments being reported. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.
Complaint sub-issue: Information belongs to someone else

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Some of these items are more than 7 years old. Please remove the following fraudulent accounts and inquires immediately, thank you.

Account Opened Amount FLAGSHIP CREDIT ACCEPTAN XX/XX/XXXX {$2700.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$970.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$360.00} XXXX XXXX XXXX XX/XX/XXXX {$86.00} XXXX XXXX  XX/XX/XXXX {$190.00} Hard Inquiries XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Card opened as result of identity theft or fraud

I received a call from a women claiming to be reporting fraud. She goes on to say that someone has opened a credit card under my name and social. I respond with " I have n't applied for any credit cards for citi bank ''. She goes on to say that she need to verify my social number or go to their web site that I cant recall. I told her " I will not give you my social ''. She then say to go to the website she provided and call for myselft with  XXXX  as a reference number.   I disregarded the website she gave me and went directly to citi banks website, and as I expected there was no trace of anyone trying to open a credit card under my name or social. The scammer was calling from a  XXXX   XXXX  area code and the number is  XXXX .
Complaint sub-issue: Debt was paid

I received a settlement letter from Citi Bank, N.A. Home Depot Company stating that I'm eligible to settle the debt in full for {$4.00}, XXXX by the due date of XX/XX/2018. I called to clarify the content of the settlement letter, and The Home depot agent certified me that once the payment is received the debt will be written off ; in other words, I will be debt free, that was on XX/XX/2018. I agreed to pay the settlement offer which is {$4400.00} on XX/XX/2018. The agent took all of my bank information in order to withdraw the sum as of XX/XX/2018. I did NOT have that money in my account, but I anticipate to borrow it and pay it as the letter stated " it is a great opportunity. '' Now I just receive a bill statement from Citi bank-Home Depot stating that i have a balance due of {$6700.00}. 
Prior to the settlement I paid over {$2500.00} out of that {$10000.00} credit card debt from Home depot. Citi Bank, N.A. wiped out that {$2500.00} and stated that I owed over {$10000.00}, which is now {$11000.00}. When I called to find out what happened to my {$2500.00} that I already paid. Citi bank/home depot said it went to interest. citi bank/ Home depot is deceiving the Public ; Citi bank does NOT follow what is written on the contract. Citi bank/home depot is practicing balloons loans in a differnt way. what is written on the contract is NOT respected.
Complaint sub-issue: Debt is not mine

The caller has been asked several times to stop calling my number that I am not the party he is trying to reach. He insists that I am. He calls everyday at least XXXX a day for months.
Complaint sub-issue: Funds not received from closed account

I opened a high yield savings account with Citibank XXXX and deposited {$200000.00} on XXXX XXXX 2020. Citibank shut down my account shortly on XXXX XXXX without contacting me in any way and did not provide any methods to return my deposit. I contacted their customer services to let them know I need to pay bills using the money stuck in this account. And their customer services agent did not know anything except mentioning I would receive a snail mail letter explaining why my account is shut down. They can not provide any information about how I can get my money back. This is very frustrating and put me in financial jeopardy given the urgent need for paying bills.
Complaint sub-issue: Reporting company used your report improperly

XX/XX/2019 I was looking at my credit score and noticed there was a hard inquiry that I never applied for. XXXX XXXX XXXX  XXXX says I tried to apply with them on XX/XX/2019. I tried to call the company which they had told me I need to speak to equifax in order to get it removed as I did not authorize it or apply for anything with this company. I have provided a picture so you can see this Inquiry.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

XXXX XXXX XXXX XXXX - Realized my XXXX card with XXXX XXXX had been completely compromised with several transactions occurring outside of the country. The amounts totaled XXXX XXXX 2022 Received a letter stating investigation into {$34000.00} of charges had begun temporary credits issued. 

XXXX XXXX 2022 - Receive a letter stating that the credit issued in the amount of {$29000.00} was XXXX. 

XX/XX/2022 Receive a letter that the previous FINAL decision was reversed without any additional documentation whatsoever for charges I did not make. Impossible to escalate with bank after multiple phone calls.
Complaint sub-issue: Problem with fees

Citi is charging me a XXXX annual fee plus interest on a card that I closed.
Complaint sub-issue: Trouble with how payments are being handled

In XX/XX/XXXX, I submitted IDR documentation, including my XXXX tax return, to the Pennsylvania Higher Education Assistance Agency ( PHEAA ) to recertify loans in repayment status in order to remain in the same IDR plan I have been in for the past 4-5 years. The loans were being recertified in XX/XX/XXXX so I submitted this paperwork with ample time for processing. I graduated XXXX school in XX/XX/XXXX and have new federal loans that are in a grace period through XX/XX/XXXX. When I submitted documentation in XX/XX/XXXX for recertification of my active loans, this documentation was applied to the grace period loans, not the loans coming due for recertification in XXXX. I called in XXXX and was told this would be fixed. XXXX came, and the problem was not fixed. My loans entered the standard repayment plan and increased by approximately {$200.00} overnight. I paid the standard repayment amount due to avoid late status and submitted a new IDR application with the same XXXX tax return in XXXX. Today ( XX/XX/XXXX ), I received an email stating that my IDR application was 'on hold ' because it had AGAIN been applied to the loans in grace period and not the loans in active repayment that the IDR application was meant for. I called and spoke to someone who told me it is 'standard practice for loans to kick back into standard repayment before the IDR can be processed. ' Having paid on these loans for years I knew this statement was inaccurate and she could not answer my question when I asked her why my IDR application submitted in XXXX was not applied to the loans with the earliest recertification deadline, and if this was indeed Pennsylvania Higher Education Assistance Agency policy. She put me on hold and came back to tell me that she sent a request for problem to be reviewed but I would not hear anything for 7-10 business days. In the meantime, my IDR application which was originally submitted in XX/XX/XXXX, will surely not be processed in time for my XXXX payment, leaving me with a {$650.00} bill, {$200.00} higher than it would be under my chosen IDR repayment plan. It seems even the best preparation can not insulate borrowers from the mismanagement of PHEAA. Again, PHEAA has demonstrated their extreme incompetence, or, alternately, what may be predatory servicing practices in order to capitalize accrued interest at will. This is not the first time PHEAA has processed my loans incorrectly leaving me at a monetary loss and providing a monetary gain for themselves. I do not believe that these are harmless mishaps, or 'glitches ' in their processing system, but rather, purposeful, deceitful loan servicing practices that escape regulatory mandates set by Congress . I believe that PHEAA is utilizing loopholes in legislation meant to regulate their actions in order to profit off of student loan borrowers.
Complaint sub-issue: Reporting company used your report improperly

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND XXXX XXXX ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ).

On 05/29/2021, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Complaint sub-issue: Account status incorrect

I had an inquiry on my acct from Equifax back in XXXX.I disputed w them..I called the creditor they do not have my information ... and equifax has yet to remove this inquiry. I sent a complaint to you all back in XX/XX/21 you guys closed the case bc equifax said they needed more time.Its been a year and this inquiry is still on my acct. And I have spoken w discover 3 times and they have no record of me.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXXXXXX XXXX XXXX I contacted Equifax about the following negative accounts 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 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 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 Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Complaint sub-issue: Account information incorrect

There is an account reporting INCORRECT INFORMATION. CAR MAX is reporting that I have 45 charge offs?!!! That is impossible! It's is only reporting on XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act. The list of account below has violated my federally protected privacy and confidentiality under 15 USC 1681. 


XXXX Account number 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 A Section 604 A Section 2, 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 items of information, other than records of convictions of crime which antedates the report by more than 7 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 have reasonable cause to believe the information is inaccurate.
Complaint sub-issue: Information belongs to someone else

I began to receive calls about a year ago from a collection agency claiming to be collecting a debt from a payday lender. I informed the company that I have had a payday loan and requested on multiple occasions that they provide me with any information that had related to the debt and to no longer contact me via phone. To date, XX/XX/2018, they have failed to comply with either of my requests. They are still reporting inaccurate information on my credit file. They have not provided any substantiating data related to the debt in the time allowed by the FDCPA and they continue to contact me via phone. It is my contention that this company has violated multiple federal laws and they refuse to respond to any requests.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Personal information incorrect

I have been disputing items on my credit file such as personal information, accounts and inquiries that i have been trying to get removed off of my file but this company always say they verified the correct information which in reporting all of my credit file is inaccurate that i continue to show proof and documents but still i get nowhere.
Complaint sub-issue: Account status incorrect

My car was repossessed by XXXX XXXX XXXX on XX/XX/2019. I was behind 3 payments of {$110.00} to be paid bi-weekly, totaling {$340.00}. After they picked up the car they said I now owed {$930.00} to be able to get the car back. They stated they would hold the car for 10 days and that I had to pay at least {$400.00} by XX/XX/2019 in order for them to continue to hold the car and not completely take the vehicle. If I needed to go beyond the 10 day holding period the car would then begin to be charged a {$20.00} storage fee for each day it is held. I paid the {$400.00} to them on XX/XX/2019. They continued to hold the car and it then started to incur a {$20.00} storage fee each day after XX/XX/19. I called on XX/XX/2019 to inquire about the remaining balance owed to get the car back. The total on that day was {$830.00} which included the storage fees and XX/XX/XXXX payment which if paid in full would bring the account current and they would release my car back to me. I made the full payment of {$830.00} on XX/XX/2019, which brung the account current with my next payment being due on XX/XX/19,  and they released my car back to me. On XX/XX/XXXX I  received a notification from XXXX XXXX stating that there was a change reported to my credit report. I took a look at the credit report and XXXX XXXX XXXX had changed the status to the account to involuntary repossession and that the account is closed. I called XXXX XXXX XXXX on Friday morning when I was off work to discuss this matter because the account is in fact open and the status is current and has been since XX/XX/2019. They stated I would have to file a dispute with the credit bureau. Them stating that the account has been involuntarily repossessed and that the account is closed has damaged my credit score by  decreasing my score by 55 points. This information is not correct and I would like it to be removed from my credit report and the score fixed accordingly.
Complaint sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Us Bank Repoed my car XX/XX/XXXX told me I had until XX/XX/XXXX to Reclaim the car back on XX/XX/XXXX I went to the place they had my car Towed too the lady at the Window told me all she had was my Personal Belongings not the car come to find out on my Account with Us Bank they Sold my car on XX/XX/XXXX didn't tell me anything to this day I still don't know What Exactly Happened they Refuse to Accept that their the Blame for the Issue I have ask them to Delete this from my Credit Report and Stop Sending Derogatory Notes Stop Calling me because they were Wrong didn't even give me a Chance if anything they Owe me Some Money
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax failed to properly investigate and fix an error on my credit report. I contacted the company on 3 separate occasions beginning on XX/XX/2020 providing verification of inaccurate information and each time they failed to investigate and fix the error within a timely manner. The confirmation numbers are as follows : XXXX, XXXX, XXXX.
Complaint sub-issue: Account information incorrect

I received a letter from Nelnet, congratulating me on my loans being paid in full. But Nelnet keeps adding balances and subtracting balances to my account. This is adversely affecting my credit score! I 'm in the middle of financing and their frequent updates are detrimental to this process. Also, I want all loans older than 6 years off my credit report, as that is more than the SOL for my state. I need this done ASAP as Nelnet is doing illegal and reporting practices.