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

I have been disputing these accounts for the longest with Equifax, XXXX  and XXXX. I have 3 seperate student loans accounts through XXXXL that was transferred and consolidated in XXXX with XXXX XXXX that shows US Dept of Edu/GL on my reports. Those accounts are still showing late payments and still show that is delinquent when they are supposed to be current or deletes the late payments. Equifax actually reaged my accounts to XX/XX/XXXX as if the accounts were still open all this time while Experian has XX/XX/XXXX and Transunion XX/XX/XXXX. Equifax doesnt have the months term included. Date Last Active are all showing different dates for all XXXX accounts. Transunion has XX/XX/XXXX, Experian has XX/XX/XXXX while Equifax has XX/XX/XXXX. How is all of this possible when all information across the board is supposed to be the same. How is the Date Last Active is XX/XX/XXXX but it was last reported by Equifax on XX/XX/XXXX? None of it makes sense. All three companies have been claiming to have deem these accounts accurate over and over again when theres proof that its not.
Complaint sub-issue: Account status incorrect

Universal CitiBank card XXXX  says : opened XX/XX/XXXX 1st reported XX/XX/XXXX - wow over 10 years? 
Recent balance of {$4000.00} in XX/XX/XXXX but the status hasn't been updated since XX/XX/XXXX despite a very important change. 

XXXX  says : opened XX/XX/XXXX 1st delinquency XX/XX/XXXX ( never happened ) but didn't report it until XX/XX/XXXX ( that was me actually, not them.. their computer is backwards ) Date of last payment XX/XX/XXXX scheduled payment : {$4000.00}, past due {$2500.00} XX/XX/XXXXnotes : consumer declared natural disaster ( that was them, not me ) Consumer says : 1. This account was closed in XX/XX/XXXX. 
2. Given the fact that XXXX  didn't know of it until XX/XX/XXXX, I'm not sure the one currently showing up is even the one I disputed years ago when I didn't get my bill, had my payment processed incorrectly and my account mixed with someone else 's BUT it's all besides the point because ... 

IRS says : Canceled XX/XX/XXXX Identifiable code : G ( that means " claim filed with government '' in XXXX  language and " collection account '' in XXXX  language - though both admit I have no collections anywhere in my file. Perhaps that's because in IRS language G means : DECISION OR POLICY TO DISCONTINUE COLLECTION. I tried explaining to the phone agents that XXXX  wasn't a country ... yes, really.. they thought XXXX  had its own laws, as well as attempting to explain to XXXX  that the IRS is a US government agency with jurisdiction over financial laws such as these but they didn't understand or care cause they have no idea who or how the computer obtains its info or who is in charge of fixing errors. 

Citibank is also having a hard time understanding that an IRS cancellation on XX/XX/XXXX at the final balance of {$3700.00} means no charge-off status can exist and any amount above {$3700.00} never did exist. One would have to understand US currency and calendar dates to get that these reports don't make sense. XX/XX/XXXXcomes after XX/XX/XXXXwhen the account status was last updated. The charge-off status is hereby overwritten by the IRS due to multiple violations of the Fair Credit Reporting Act to the best of my knowledge, which is limited but still more than anyone who works at XXXX, XXXX  or half of Citibank. 

I'm not putting anyone down as credit reports are hard to understand but I'm sure they're a lot harder when you aren't familiar with the currency, language, calendar, mathematics, laws or government agencies associated with the files you're working on and can't be held personally ACCOUNTABLE since you don't live or work in the country of which the laws exist. However, that doesn't make the crimes inflicted upon me legal. Please stop ruining my life. I'm just trying to make an honest living. 

PS. The letter they issued in response to the last time I reported them says federal regulation requires the message printed on the reverse side but they didn't send me the other side?
Complaint sub-issue: Information belongs to someone else

The reason for my dispute is that there are multiple discrepancies still showing even afterfiling my ID theft report. Remove the following immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX The information listed above is not only inaccurate and incorrect but also obtained without my knowledge, consent, or permission. PLEASE ADD A SECURITY FREEZE AND SEND ME A PIN NUMBER.
Complaint sub-issue: Indicated you were committing crime by not paying debt

I received a debt collection notice regarding a bank I do not have an account with XXXX XXXX  ), I believe this is a fraudulent mailing- dated XXXX XXXX from ERC XXXX XXXX XXXX XXXX XXXX FL XXXX I am invited to 'pay with cash at XXXX and & - XXXX XXXX  '' in the amount of {$2500.00}
Complaint sub-issue: Information belongs to someone else

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reinserted previously deleted info

1 year ago I disputed XXXX XXXX XXXX transaction that appeared on my credit report Equifax had finally removed it XX/XX/XXXX. As of XX/XX/XXXX they have added back to my credit report and that it was behind 150 days and dropped my rating XXXX points. I have no contract with this company and would like it to be removed. Further more I would like Equifax to validate the debt, please provide verification through audit certification of debt entry in accordance with g.a.a.p., i.f.r.s., in accordance with basel XXXX accord and u.n.c.i.t.r.a.l. conventions. I would also need a copy of your Tax Registration certificate!
Complaint sub-issue: Funds not handled or disbursed as instructed

Citibank has unlawfully kept {$9500.00} of my money. The most recent attempt to resolve this matter was thru phone with Citibank 's Executive Office on XX/XX/XXXX. They confirmed my checking account had been closed on XX/XX/22 and the balance was {$0.00} at the time of closing. Citibank has been unable to provide an explanation as to the destination of the money or whether this amount is ever going to be repaid to me. 

I opened a checking account with Citibank on XX/XX/22. The available balance on this account as of XX/XX/22 was {$9500.00}. Upon accessing my account online, their system notified me that my account had been blocked. I reached out to Citibank more than XXXX times and spoken to more than XXXX employees in their customer service and fraud departments, and executive office, visited their retail branch, spoken to one of their bankers and the manager at their branch.
Complaint sub-issue: Problem during payment process

A few months ago, Citibank changed their web site. I have a Citi checking account and 2 Citi credit cards. Previously when you view your Card details and click on the Make a Payment button, it displayed the Citi checking account and the user could easily make a payment. You could still set up additional payment accounts. Currently it directs you to a payment setup page that allows selecting a bank ( Citi itself isn't listed on the default page ) or manually entering account details. It no longer provides your existing Citi accounts. You could search and find Citibank among the supported banks. However, the web site is malfunctioning. 

On XX/XX/2020 I attempted to make a payment from my Citi checking account to one of my credit cards. After entering my Citi credentials, it not only wasn't pulling up the Citi account but was also logging me off from the Citi web site completely. I tried a few times, with different browsers and had the same result. Finally I entered my routing and account numbers manually and processed a payment. I was not notified of any problem at that time or during the following week. On XX/XX/2020 I checked my account and noticed a Returned Check fee of {$29.00} and after reviewing my transactions I realized the payment did not go through. I had the same issues processing a payment but was able to use the Transfer option ( which is not at all intuitive or prominent ) to successfully pay my card. 

In addition to the {$29.00} late fee, Citi also charged me interest of {$6.00} and then {$8.00} next month, both of which as a result of the failed payment. I called Citi and they refused to refund either the late fee or the interest charges. 

This leaves me with the impression that Citi intentionally made their web site more difficult to use in order to generate additional revenue from fees.
Complaint sub-issue: Account status incorrect

The following student loans were reported on my credit report.. Based on my research, all government funded loans are not allowed to be reported, this is a clear violation of the FCRA..I disputed the accounts with the credit bureaus for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home. XXXX XXXXXXXX, XXXX XXXX XXXXXXXX , XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXXXXXX
Complaint sub-issue: Account information incorrect

XXXX XXXX is reporting this account on my report ... I have written them 6 times as well as all 3 credit bureaus to validate/verify this account ... no one has been able to do so..in fact XXXX XXXX nor the credit bureaus have sent me anything back at all pertaining to this account ... .This account is not verifiable nor ablt to be validated therefore XXXX  has removed it from my credit report ... Why hasnt XXXX  and Equifax followed suit as they are supposed to? This is a violation of my rights ... .This account is not even reporting 100 % accurate as it is supposed to by law .... 

Date of Last Payment : XXXX  XX/XX/XXXX Equifax XX/XX/XXXX -- XXXXThis has been reeaged Date Last Active : XXXX XX/XX/XXXX Equifax XX/XX/XXXX -- XXXXThis has been reeaged High Credit : XXXX {$4100.00} Equifax {$3300.00} look at the 2 year history equifax is reporting a new charge off every month this is killing my score ... XXXXthey then report it as ok XX/XX/XXXX and XX/XX/XXXX after reporting a ton of charge offs prior ... 

My next step is contacting the state attorney general and a consumer attorney if this is not removed immeditaley
Complaint sub-issue: Information belongs to someone else

ftc violations XXXX XXXX : If a bill collector violates the Fair Debt Collection Practices Act, you might be able to sue and recover money and other damages. The Fair Debt Collection Practices Act ( FDCPA ) protects debtors from harassment by debt collectors. If a collector has violated the FDCPA, you can sue the collector in court. 

XXXX XXXX XXXX : FTC Action Halts Allegedly Illegal Tactics of Payday Lending Operation That Attempted to Garnish Consumers Paychecks SHARE THIS PAGE XXXX XXXX XXXX FOR RELEASE XX/XX/2011 XXXX : Consumer Protection After the Federal Trade Commission filed an action in U.S. district court, a payday lender that allegedly attempted to illegally garnish consumers wages has agreed to stop the challenged conduct pending trial. 

As part of its continuing crackdown on scams that target consumers in financial distress, the FTC complaint alleges that XXXX XXXX, XXXX, doing business as XXXX XXXX and XXXX XXXX XXXX, along with other defendants, illegally attempted to garnish consumers wages without obtaining a court order, to collect payments on payday loans. As a result, the defendants illegally revealed consumers supposed debts to their employers and deprived consumers of their right to dispute the debts or make payment arrangements, the FTC alleges. 

According to the FTC, defendant XXXX XXXX XXXX operates XXXX XXXX, XXXX, and several related businesses in XXXX XXXX, South Dakota. The defendants offer short-term, high-fee, unsecured payday loans of {$300.00} to {$2500.00} to consumers throughout the country, advertising on television and through websites such as www.bigskycash.com and www.westernsky.com. 

XXXX inquires : creditor contract XXXX XXXX XXXX XXXX XXXX XXXX  ( twice )
Complaint sub-issue: Problem with customer service

Im XXXX, I requested all of the payments I made on my student loan to be refunded, along with many others. I was later sent an email stating the request was denied. I called them to clear it up and they stated that the request was submitted and it would take 4-6 weeks and that I would later get an email stating that the request was approved. As we are approaching XXXX weeks, I have called to check the status and there were no changes. My loan is still showing as paid off and every time Ive spoken to a representative, they have all given very different information and nothing is clear from how the payments will be refunded to the communication from Nelnet representatives, etc. others have received their refunds also with little communication from Nelnet. Their balances were reinstated before they received their refund and nearly XXXX weeks later my balance still shows no change. When I call for status updates, they act flustered and do not want to deal with it, hence why no information given is clear and I am perpetually confused about what is going on with my refund.
Complaint sub-issue: Was not notified of investigation status or results

I sent a letter on XX/XX/2021 regarding inaccurate and unknown things on my credit report. The letter was sent over 50 days ago and I have not received a response yet. It seems like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 50 days so they should be deleted immediately. I demand these accounts be delete it immediately or I will have no other choice but to file for litigation due to the stress you caused me and my rights that have been violated. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Account information incorrect

Dear Whom it XXXX concern, This is a formal letter to dispute and ask for removal of this account off all of my Credit Report. The Account is listed as XXXX COLLECTION BUREAU OF XXXX. It 's a medical debt claiming I owe {$460.00} but they refused to provided documentation to me. I filed a complaint against them back in XXXX of XXXX they failed to respond to my complaint. I 'm tired of them reporting false information. I want this account removed off all my credit reports right away. 

Respectfully, XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

During the pandemic last year XXXX, I applied for a Forebearance from my mortgage company XXXX XXXX. It was approved and I did not pay XXXX, XXXX and XXXX 's mortgage. I was told this does not affect your credit score. OnXX/XX/XXXX I did a wire transfer to XXXX XXXX XXXX which paid my loan up to date. Somehow, in XXXX it was on my credit report that I was deliquent for XXXX, XXXX and XXXX with my mortgage. I spoke with a XXXX XXXX XXXX at XXXX XXXX in XX/XX/XXXX and she said sge would take care of it. It was a mistake. I did receive a letter saying it was taken care of. It is still to this day on my credit report. I will ask them again, because I just found out today that it is still on my credit report. How do I rectify this? I am ready to build our house and it came up on my report.
Complaint sub-issue: Trouble with how payments are being handled

I called Mohela on XX/XX/XXXX to request a refund of payments made during the payment pause. During that call, I was told the refund would take up to 30 days. 
I checked XXXX and saw that some were being processed faster so I called on XX/XX/XXXX to confirm they still had my request. They said now the wait time is 4-6 weeks. 

I called on XX/XX/XXXX, and now was told that the wait time is 90 days. When I asked what Mohela intends to do, I was told there is no plan to ensure that the money is returned to me before the applications close on XX/XX/XXXX. This impacts my ability to request debt relief as my account is paid off. I need to show a balance in order to qualify for debt forgiveness. 
Additionally, the hold times are exponential. It tells you 1 minute, and takes upwards of an hour. 

Based on this and other complaints Ive read, its apparent that Mohela intends to run out the clock on refunds preventing borrowers from obtaining student loan forgiveness. 
See cease and desist from XXXX and XXXX. It should be noted at the time of repayment, I was living in CA as my husband was XXXX  at XXXX XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A, states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2, states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ), states no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ), states A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Trouble using the card to spend money in a store or online

I got unemployment benefits from US Bank Reliacard and I can not access my money. I verified my identity at verify.usbank.com and still can not access my funds Reliacard Account ID # XXXX phone number for customer service ALWAYS give the same infuriating message about high call volume no matter what time of day and Hangs Up In Your Face. XXXX is a joke!!!!! I lost the QR code for activation and have no way of contacting them because they disconnect the line. I am starving and I need my money.
Complaint sub-issue: Problem with product or service terms changing

I was attempting to enroll in Trusted ID Premier / Equifax in order to lock my credit information. The link they sent to my email address only allowed me to register information to verify my identity ( which was successful ) but never continued forward to provide required password information. Instead, the registration screen froze for one hour, after which time I disconnected from the site and attempted to try the email link again. The site then instructed that I had already activated my account and to log on to the Trusted ID Premier website. However, because I do not have a password, I can not enter the site. Attempting to re-enroll was not successful, nor was attempting to use the provided email link repeatedly. Thus, while Trusted ID Premier states that I have an activated account, I can not access it without a password. I tried calling two of their phone numbers over a period of days but wait times were excessive, yielding no results. Dates involved :XX/XX/XXXX
Complaint sub-issue: Account status incorrect

I have a few accounts in collections on 1 of my reports that I've been trying to dispute for about 6 months.. no luck with the disputes or the status.. I've never heard a word back from them ... 1 of my reports fixed the issue in less than 21 days.. 1 account was paid by insurance and was never late ever ... and the other account has a few issues.. wrong dates and payment history.. its affecting my scores and my life.. I need help fixing the problem.. thx
Complaint sub-issue: Threatened or suggested your credit would be damaged

Have my medical info without my permission. Dont want third party to have my medical bills
Complaint sub-issue: Account status incorrect

Myself a s well as a paid firm (  XXXX   XXXX  ) has repeatedly disputed  XXXX  negative item that only Equifax refuse to delete. On   XX/XX/XXXX ,  I spoke with a Equifax dispute  rep.  Who advised that she would dispute the erroneous account for   XXXX   XXXX   XXXX    formerly known as   XXXX   XXXX   XXXX    XXXX   XXXX  ( Account #  XXXX  ) ( Dispute reference #  XXXX  ).     After calling in on   XX/XX/XXXX     to verify that the dispute process had started I was advised that the creditor verified that the information they provided is accurate. At that time I again explained that the account was erroneous as the monthly payment, the past due amount and the status 120 days was all frivolous and I need written proof verifying how they proved that this information was in fact correct. At that time another investigation was started and I was provided with dispute reference #  XXXX .     I again wait ed 24 hours and c alled back into Equifax to verify that the process had in fact started as was advised they had already disputed the account and that the creditor had verified the informati on. Might  I add, during thi s 2nd request  I provided my original contract showing my payments as well as additional information. It was know way possible this could be verified as accurate.     After major frustration and countless hours of trying to get the issue resolved myself, I broke down and paid  XXXX   XXXX  over a {$100.00} to intervene. I provided  XXXX  Law with my original contract and Bankruptcy documents dated back in   XX/XX/XXXX   showing that the loan was part of a BK and that the creditor is reporting every month for the past year that I was 120 days late and that my payment is {$200.00}. All of this information is erroneous.     On   XX/XX/XXXX ,  Equifax came back once again advising  XXXX   XXXX  that the account was valid and they are reporting the account accurate. After my providing proof and requesting proof from Equifax as to how   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  verified the account I was told that my claims where frivolous and I did not receive any information from Equifax verifying the process used to validate this account.     Furthermore, Equifax refused to dispute and remove the fraudulent inquiries dated after providing information from the FTC as well as a police report.       XXXX   -  XXXX   XXXX   XXXX   XXXX    XXXX   -  XXXX   XXXX   XX/XX/XXXX    -  XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX    -  XXXX   XX/XX/XXXX    -   XXXX   Please assist me with this issue as I can not offered to keep paying attorneys for something that has been proved numerous times.
Complaint sub-issue: Was not notified of investigation status or results

I submitted a request in XX/XX/2021 to examine incorrect information on my credit profile. After 60 days, I have still not received an answer.
Complaint sub-issue: Reporting company used your report improperly

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 an account without my written instructions.