Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Investigation took more than 30 days

I sent a dispute letter to the bureaus on XX/XX/2021 and haven't receive a response from them. I think they have 30 days to respond to my disputes. This is unfair. When you call them most of them are not very helpful. This doesn't make any sense.
Complaint sub-issue: Can't get other flexible options for repaying your loan

I have worked for the past 19 years as a XXXX XXXX XXXX at XXXX XXXX XXXX ( ALL of them ). I MORE than qualify for XXXX XXXX Student Loan Forgiveness ( Most recent degree- XXXX- completed in XX/XX/XXXX). I tried TWICE for it and had all of the documentation ( XXXX Forms completed by school system personnel office ). I was turned down both times. I am in forbearance and NOT in default. Nor have I ever been in default on this loan. I am very conscientious about keeping my forbearance current. None-the-less, I was told some old XXXX. like " Well, we see you had loans in the XXXX 's ''. So basically because I 'm of a certain age and have multiple degrees, they are telling me that I ca n't get the loan forgiveness on my current student loan ( Stafford Loan being handled by " FedLoan '' ). I 've read that people have been erroneously denied loan forgiveness and feel that I am one of them.
Complaint sub-issue: Problem getting report or credit score

Equifax is double reporting things on my report
Complaint sub-issue: Problem accessing account

Using XXXX  to connect my PNC Account to my XXXX account, It Will NOT work for me. It goes through all the steps but at the last one, verifying my mobile number, it says PNC has made changes to stop the service.
Complaint sub-issue: Their investigation did not fix an error on your report

Yesterday, Thursday XX/XX/XXXX I received many more things : first a total of 8 mailings from XXXX 4 modification offers and 4 Right to Cure letters on a HELOC which should have been terminated when my home was ILLEGALLY foreclosed on on XX/XX/XXXX. Also, I received the attached credit report from Equifax dated XX/XX/XXXX ( see attached pg 9 ) showing ( all of a Sudden ) the account that has for 30 yrs been listed with Equifax as being a XXXX  account, with also the name XXXX  XXXX   attached to it. Now, it is on this report showing no mention of XXXX ( for first time in 30 yrs on these reports ) in relation to this illegal foreclosure see page 9 of this credit report. Here only XXXX  XXXX  is listed as owner with also a new name attached to this " account '' at the top of that page 9 now showing XXXX XXXX XXXX!! for the first time claiming to be attached to it. Please, see also attached a letter from a XXXX XXXX a " third party '' investor stating to have bought my home on XXXX. This XXXX or whomever they call themselves now CAN NOT do this Legally!!! THIS IS FALSE REPORTING!! and slander on my credit report!! This is beyond ridiculous, also on the attached " Assignment '' shows that XXXX from the FDIC is claiming ownership from in addition the so called Assignment that was created/recorded 25 yrs after I got my home in XXXX of XXXX. All of you need to look at and prosecute this nut XXXX and or whomever is trying to illegally take my home from me.!!! AGAIN FRAUD!! FALSE REPORTING! There are many illegal documents recorded in the Reg of Deeds in XXXX County, MA records by XXXX. On Thursday XXXX I called the resource center ( XXXX ) at XXXX  XXXX  and spoke to operator id # XXXX Jeneal at XXXX and she told me that XXXX  XXXX  does not have any files on my name, account number, or address anywhere in their records!! There are many false documents being recorded in my credit reports, as well as the Reg of Deeds AND The Land Courts by this so called Bank!! And Dual tracking! again! The attached from the XXXX  XXXX  look up also shows XXXX  XXXX  has no association with this illegal foreclosure " account '' on my home. XXXX attorney also claims to be representing XXXX  XXXX  ( crazy ) please see first page of a large file not up loadable to big, the whole file see page one attached. see first sentence of this attached letter. SO MUCH FRAUD BY XXXX!!!
Complaint sub-issue: Problem getting your free annual credit report

Requested LexisNexis report. They sent me a paper letter containing a web address and PIN. I went to the address and entered the PIN. The page reported that the PIN was invalid and said to call a phone number. I called the number and it wanted me to request anew report and start the process over.
Complaint sub-issue: Problem getting my free annual report

Tried to get my free annual credit report thru Equifax. The security questions I was asked had nothing to do with me, so I was denied to see my credit report. Then, Equifax had a trial program for {$4.00}. So, I put in the same information as earlier, and what do you know, I was able to get my credit report. Equifax did the same thing last year, as well as XXXX. Well, I forgot to cancel the trial membership, and so I was charged {$19.00} for a month 's access to my credit report. This is done intentionally so people like me will pay for something, by law, is free.
Complaint sub-issue: Information belongs to someone else

This company is representing an apartment complex I lived at. After two years they  are stating I owe them $ XXXX. I have attached email between me and the apartment property management. They have now sold the file to a collection company while in dispute. Also I stated the rental box was broken into when I put in my 60 day notice. Should n't they have all this information? Should they have not done a police report? 
Property : XXXX XXXX XXXX Unit : XXXX Account # : XXXX Current Balance {$5400.00} I have disputed this prior to being sold as not mines and I do n't owe any moneys why they have sent collection is against the law.
Complaint sub-issue: Information belongs to someone else

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX SELF / LEAD XXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Complaint sub-issue: Account status incorrect

Lendup promissory note validates account paid in full before XX/XX/2017 XXXX XXXX  XXXX  day late is impossible, though XXXX, XXXX, XXXX  misreport ). Documents validate account never late. Documents show account CLOSED in XXXX not XX/XX/2017 ; therefore, account could not be possibly closed in XXXX. XXXX, XXXX, XXXX  continue to inaccurately report for several years.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed an account on my credit report asking for verification. Never received verification about the account yet it 's still reporting ev ery 2 to 3 m onths updating on my report with latest date reported showing  X/X/2017   . Amount past due shows {$900.00} but highest balance shows as {$900.00}. Every now and again, they update with amount past due as  XXXX  and then drop back down to  XXXX . The only remarks left from dispute were " Charged off as bad debt., Account information disputed by consumer, meets FCRA requirements '' but I have still not received any verification of the debt, to date.
Complaint sub-issue: Other problem getting your report or credit score

My credit report is unable to be viewed. Any time I try to check on it I get a message that says your information doesn't match credit bureau records. Every thing I input is accurate
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2019 I received a notification from XXXX XXXX stating I had a new inquiry on my credit from CBNA. I also received several txt and a voice mail from Citi that I had to call regarding my application. I never filled out an application on XX/XX/2019 for credit of any source and with no one. I never gave my consent. I did call and they say they dont know.
Complaint sub-issue: Reporting company used your report improperly

This complaint is to detail a long history of inaccuracies & violations to my consumer report. All XXXX consumer reporting bureaus have repeatedly reported false " verified '' info after numerous written and telephone correspondence. I have tried to clear this matter with the bureaus and their source for info being reported, ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Enclosed are copies of my most current consumer report which shows several reporting inaccuracies that the reporting agencies claimed were investigated and verified. XXXX has also gone so far as to report this SAME account TWICE on my consumer report ( see attached ). All XXXX agencies also have different reporting info. That's an unlawful violation. Due to the inaccurate reporting, violations, and unprofessional sloppiness, I ask that these accounts be permanently removed from my consumer report. 

Furthermore, in accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX and Account # XXXX, XXXX  XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States that 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: Other problem

im not 180 days late and citibank charged my account off im seeking {$1000.00} im damages for violation of the F.A.C.R.A clear violation and im seeking damages in the amount of {$1000.00}. i should of only been 120 days late.
Complaint sub-issue: Trouble with how payments are being handled

I have been communicating with XXXX since XX/XX/XXXX to opt out of IBR and change my payment plan to a lower payment plan. I speak with someone at least once each month since XXXX, XXXX and EVERY SINGLE MONTH I'm told that the following month everything will be corrected. I was told twice that I needed to do make opt-out payment, which was done in XXXX, XXXX, and then the correct payment of approximately {$1500.00} will start in the XXXX, XXXX. I was told that the bill is generated approximately 10 days before my bill is due, which is the XXXX or every month. I logged into my account today to confirm the payment and I see that the correct income payment amount of approximately {$1500.00} is not reflected, but instead a regular payment of over {$2500.00} is showing. I CAN NOT pay this amount! I have been diligent in trying to get this resolved, and every single month I get another excuse of why it has not been corrected. This is reflected on my credit report, as well. I need this to be corrected immediately so that the correct lower amount of approximately {$1500.00} is reflected. 

Please note that on XXXX, I spoke with XXXX ( # XXXX ). I also spoke with XXXX prior to this date ( although I don't have her employee number ). I spoke with XXXX prior to this, who is a manager and said that she would escalate this to be done in XXXX, but it was not done. 

On XXXX, I called and spoke with XXXX ( # XXXX ), who, after I indicated I was furious and need to speak with a manager, promptly put me on hold, refused to assist me, and ignored my requests and needs. Please also consider this an official complaint about XXXX ( Employee No. XXXX ). 

Later on XXXX, I spoke with XXXX ( # XXXX ) who told me that NOW my payment will be in effect in XX/XX/XXXX and I have to make ANOTHER administrative forbearance payment. Please look in my file and you will see that I made an administrative forbearance payment in XXXX, XXXX and possibly in XXXX, XXXX. This is completely unacceptable. 

I am looking to have this resolved immediately - meaning, before my XX/XX/XXXX payment is due. I expect someone to resolve this and to contact me.
Complaint sub-issue: Their investigation did not fix an error on your report

Since XXXX I have been battling with XXXX and Equifax about negative information being reported about my student loan accounts. One with XXXX XXXXXXXX XXXX and the other with US Dept of Education. Student loans were in default Last XXXX, since then loans have been rehabilitated in XXXX, they were then Consolidated. The intention with the rehabilitation was that it would pull loans out of default after 10 payments and then all the negative information reported would be removed and loans refinanced showing a positive account on all credit reports. This has not happened, I have been calling 2 times a month since XXXX speaking with US dept of education as well as fedloans, not to mention 7 disputes with Equifax and 5 with XXXX. Dept of Ed loans still show a balance with collection status and fedloans keep reporting past due on all reports. I have also been working with XXXXXXXX XXXX on this and they have not had any luck as somehow the dept keeps getting validated even with the proper documentation. I have attached documentation below to show this, I would not be so persistent but this negative information is preventing me from being able to buy a house.
Complaint sub-issue: Problem with fees charged

I made my payment using my external Saving account. They withdrew from my checking causing me a late fee with US bank {$30.00}. I was also charge {$50.00} from my external bank XXXX XXXX XXXX. I have a screen shot of my external account being set up with Saving selected. Please note, this Savings account is used for a different mortgage and gets withdrawn from saving flawlessly as well. US bank has blatantly disregarded the issue they cause and placed me on mute until disconnecting the call when I asked for a higher manager. I was placed on mute and hung up on 2-3 minutes later. Although I have not been reported to the Credit as delinquent, I want my internal US Bank delinquent status removed with US BANK. I feel this is being done intentionally to de-fraud customer and gain late fees on unsuspecting customers. Although it was waived it took a fight to get it waived and they still own me what my other bank charged me {$50.00}.
Complaint sub-issue: Reporting company used your report improperly

Inquiry XXXX on XX/XX/XXXX Inquiry XXXX  on XX/XX/XXXX Inquiry XXXX on XX/XX/XXXX Inquiry XXXX  on XX/XX/XXXX I did not authorize any of these inquiries.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

This debt was opened in XXXX and was removed from my credit report in XXXX due to statue of limitations after 7 years debt has to be removed from credit report. This collection company changed the date the account was opened and changed the name of the credit card company. Fraudulent dates and business name changed. Information not accurate and over 7 year statute of limitations. Please remove immediately. Thank you
Complaint sub-issue: Overcharged for something you did purchase with the card

I stopped at XXXX XXXX XXXX in XXXX, XXXX on XX/XX/2019 at XXXX and used my prepaid visa from card.com and pumped {$13.00} in gas. My card was charged {$76.00}. Which was all but {$5.00} from what was on my card. My lights get cut off at XXXX that in 45 min because of this and will cost {$350.00} to have cut back on. Money I do not have due to trying to get on my feet from an abusive marriage I'm finally out of. I called card.com while still at the store. The store said it was the card company and the card company said its the store. I explained to them my situation and they acted as if they did not care for the store and card.com nowhere under the agreement that I agreed to with card.com did it say anything whatsoever about them holding {$76.00} when I would use my card at a pump and nowhere on the pump or at that store did it say anything I requested to speak with a supervisor they told me someone would call me back I waited and waited called again same thing only this time they said I had already had a request tomoney.k with a supervisor they would not try to get another one put in my money would be back in three days waited again still no call so I called again this time they said it would take 7 days all I want is my money back because now it's costing me {$350.00} that I'm now think they should be responsible for they would not help me. They did not try the added like they just did not care and know where did it say anything about holding that much money. I emailed a copy of the receipt showing I only spent {$13.00} yet they said that would not work it wasn't good enough. The only reason I signed up for the card was because my friend asked me to because once you do it and get so much money on there you both get {$30.00} neither of us have received it but they said that I have done everything that they required in order to get it get neither of us have gotten which that was the only reason I even signed up for the card. If it wasn't for that I never would have got it. I believe we were scammed just so we would get it.
Complaint sub-issue: Information belongs to someone else

I went look at my credit and there are still somethings on there that are not mine. I'm trying to get back in school and this is really holding me up. I saw on some billboard in my building from this attorney guy that you guys can help finally resolve this. Im doing this on my own behalf and I have contacted the police and FTC. XXXX/XXXX XXXX. XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX and there is another account as well that does not have a name. The account- # XXXX. There are also some inquiries that are not mine XXXX, XXXX and XXXX.
Complaint sub-issue: Information belongs to someone else

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$950.00} ; XXXX XXXXXXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$130.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act. 
XXXX XXXX, XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX These accounts 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 : ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Complaint sub-issue: Information belongs to someone else

I, the consumer and original creditor, XXXX XXXX sent letter to credit reporting agency regarding them not having consent to report accounts. Under 15 U.S 1681b- Permissible purposes of consumer reports In General Subject to subsection ( C ) any consumer reporting may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 

As the consumer no written instructions were given to report anything on my credit report. No consent is considered Identity Theft. I demand that the following account and inquiries be deleted from my report. Account name XXXX XXXX Account number XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX Inquiry Date XX/XX/XXXX. Inquiry XXXX  XXXX  Inquiry Date XX/XX/XXXX, Inquiry XXXX  XXXX  Inquiry Date XX/XX/XXXX
Complaint sub-issue: Account information incorrect

I had a charge-off account with BaXXXXk XXXX XXXX ( it was originally charged-off on XX/XX/2016 after a 30 day late payment ). Not sure why they charged-off that quickly but that's here nor there at this point. I have had nothing but issues with this account since I started trying to get it resolved. Incorrect reporting galore - they're reporting a 60 day late with XXXX, which is incorrect based on information they sent to me, they're seemingly reporting 90 day late with Equifax. I paid the account off in full, for the past due amount of {$460.00} ( though I just recently talked to someone that made it seem like the original charge-off amount was less than that ).

XXXX is reporting it as " Legally paid in full for less than the full balance '' even though it had been reporting " Paid, charge-off '' which is how all 3 bureaus should be reporting. They're also showing no reporting since the 30 day late until last month, where is says " CO ( Charge Off ) '' and showing 'Time Since Negative ' is 1 month ( yet, for the longest time it was showing 2 years ).  They're also not showing my XXXX XXXX account that I closed. 

Equifax is even worse, they had been reporting " Bad debt, sent to collection '' and now they're reporting " Account paid for less than full balance '' and is not reporting it as " Paid, charge-off '' like they should. 

TransUnion seems to be correct in the balance but I am not sure how they are reporting the account else-wise. They are also not reporting my XXXX XXXX and XXXX XXXX accounts that were recently closed. 

Needless to say, this has become very frustrating. I need help getting this resolved. I have attached files that show the incorrect reporting.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Today, XX/XX/XXXX, I attempted to use my Citibank credit card that I have had since XXXX and it was declined. I spent 3 hours+ on the phone with three different people at Citibank , trying to get an explanation. My account was suddenly closed today, with no warning, and all they would tell me is that I would be receiving a letter to explain why. That's it. 
I verified that they had received my most recent payments of {$500.00} each on XXXX and XX/XX/XXXX, so it was not due to nonpayment on the account. I went online to their site and found returned check fees of {$35.00} each on XXXX, twice on XXXX, XXXX, twice on XXXX, and again on XX/XX/XXXX. I had maintained autopay for years for this account but by my records, I had called and cancelled autopay on XXXX. I had been a victim of identity theft on XX/XX/XXXX and the account the autopay was deducted from was frozen at that time. Therefore, I cancelled the autopay and used the Bill Pay feature at my bank to make the payments. Citibank says the autopay was never cancelled. While I was on the phone, and was looking at my account online, it said it was cancelled, however, the last representative I spoke to said he was " cancelling it now/it was scheduled for XXXX ''. I feel like Citibank is defrauding consumers and I want these charges removed from my account. I'll accept the account being closed, because even though I have been a loyal customer since XX/XX/XXXX, I am done with them after how they have mishandled my account. 
Thank you.