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

I divorced my husband into XX/XX/XXXX. In the divorce, he was given the responsibility of closing the Citibank checking account and overdraft protection {$500.00} line of credit account. My former husband stated he had closed the account into XX/XX/XXXX. In XX/XX/XXXX, I applied for a mortgage and found at the Citibank line of credit was maxed out and went into collections. I immediately called Citibank, NA. Citibank confirmed they had never contacted me to inform me of the debt, only my former husband at his residence. ( I later found out he filed bankruptcy and included the Citibank debt. ) XX/XX/XXXX, I paid a negotiated sum of {$200.00} to cancel the debt. Since XX/XX/XXXX, my credit report shows a {$0.00}, paid in full but is being reported monthly as late. The late reporting on {$0.00} balance is affecting my credit, my credit score, ability to borrow money, costing me higher interest rates and time off work to dispute this incorrect information. I have contacted Citibank by phone and email on numerous occasions without success ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/XXXX, I phoned and emailed Citibank XXXX which was listed on my credit report, again without success. Please help me remove and stop the late payments on the Citibank account with a {$0.00} balance.
Complaint sub-issue: Debt was result of identity theft

JEFFERSON CAPITAL SYSTEM, Original Creditor XXXX XXXX, Original Balance {$660.00}, Date Opened XX/XX/XXXX, Date Reported XX/XX/XXXX, Disputed with CRA 's ( XXXX, XXXX, XXXX XXXX ), Comments Optional comments or notes appended to the account by the company holding the account, or by the credit bureau. 
Account information disputed by consumer
Complaint sub-issue: Problem with customer service

I have applied multiple times for an income-driven repayment plan. I was previously on an income-based plan and was moved to a graduated repayment plan. I am now being denied by my servicer, Nelnet, who is saying that the decision comes from the Department of Education. According to my master promissory note, if my loan is found to be ineligible for an IBR, then I have the ability to have my loan type changed to Direct. In addition, within my MPN, it states that as long as both parties within the joint consolidation loan are eligible for forgiveness, then we are eligible. We are both public school teachers and our employment has been verified. Nowhere in either the MPN nor the rules of PSLF, does it state that joint spousal consolidation loans can not be converted to Direct. I am looking for the specific language that states as much. In fact, my MPN states the opposite, that we are both eligible and can receive forgiveness, AND that we can change our loan type since we were found ineligible for IBR.
Complaint sub-issue: Debt is not yours

I have sent over a dispute request, explaining that I have no knowledge of the debt. My identity was stolen. I have police reports I dont even live in the state. Also my identity and privacy is not being respected and has been violated. My records have been shared, which is a privacy breach.
Complaint sub-issue: Received bad information about your loan

I received a call from ( XXXX ) XXXX during my lunch break at work. I did not answer and someone named XXXX from XXXX XXXX XXXX XXXX left me a voicemail asking me to call back to apply for a forgiveness due to Covid-19 and that Nelnet which is my student loan company is being sued for Fraud. I called the number back twice and both times they asked how much I owed and when was the last time I made payments on it, after I told them they hung up the call both times.
Complaint sub-issue: Personal information incorrect

Equifax continues to verify inaccurate addresses and phone numbers. Confirmation # XXXX, the address is not accurate and the phone number is inaccurate. Please remove immediately!
Complaint sub-issue: Attempted to collect wrong amount

I have contacted IQ DATA INT. Several times about an open collections account shown on my credit report. I have written and emailed signed documents with the amount the original creditor submitted and was attempting to charge me. They took a {$2600.00} balance and posted {$5900.00} onto my credit report as a collection amount. They have failed to respond to any written documents Ive submitted and calls.
Complaint sub-issue: Debt was discharged in bankruptcy

I received a letter from I.C. Systems on XXXX/XXXX/16. My bankruptcy was filed on XX/XX/2016 and discharged on XX/XX/2016. I called spoke with Rep at I.C. made them aware of the bankruptcy provide attorney name and number. Fast forward to XXXX/XXXX/16 I was preapproved for an XXXX from XXXX XXXX XXXX was due to pickup on XX/XX/XXXX. On that morning I received a credit update from XXXX XXXX making me aware my score had dropped by over XXXX points. It was I.C. Systems and XXXX XXXX XXXX. I called the company to see why this happened and although my account notes notated that I called to report the bankruptcy. They proceeded to attempt to collect the debt anyway. I lost the vehicle due to the damage done to my credit report.
Complaint sub-issue: Investigation took more than 30 days

XXXX credit report prepared for XXXX XXXX XXXX Your report number is XXXX Report date : XXXX XXXX, 2017 this report incorrect never repaired. It does not show the same information as posted for my husband on our joint accounts. Also they failed to remove the credit freeze inhibiting access. They failed to notify the other credit bureaus. The dispute procedure is a farce and I could not add a personal statement. A sad joke.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

There is no reasonable explanation for my credit score to go from XXXX XX/XX/2021 to XXXX XX/XX/2021. My credit score has been over XXXX for more than 10 years. There was XXXX late payment during the specific time period. A excellent credit scores mean the world to me for many reasons. 

I spoke with XXXX representatives with no satisfaction. They told me to look at the report for the answer. Their system calculate the score based on the information in the report. I need HUMANs to look at my case to assess this flawed process. 

I requesting you intervention and support with this matter.
Complaint sub-issue: Reporting company used your report improperly

I contacted the credit reporting agencies on XX/XX/21 about the Fraudulent accounts that are appearing on my credit report. under 15 USC 1681C-2, these fraudulent accounts should've been removed after 4 days, but yet these credit reporting agencies did not remove the items. they instead chose to broke the FDCPA/FCR laws. As a consumer and the one with ALL THE POWER, these accounts on this letter must be deleted immediately, or I will seek monetary damages in small claims court in my city and state. Also we have already involved and sent this letter to the Consumer Financial Protection bureau, attorney generals office, XXXX XXXX XXXX, and federal trade commission. Erroneous RESULT OF The Equifax XXXX Data Breach Direct Violation 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS Inaccurate across all 3 Bureaus XXXX XXXX and Equifax. also I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. SO If I received good and services, then please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ). please see attached invoice and pay it immediately upon receipt of this letter.
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted Equifax by phone & filed a complaint XXXX-XXXX  explaining that someone is using my information & they have done nothing to correct it. Again I am asking that these accounts be deleted as Fraud request.
Complaint sub-issue: Account status incorrect

XXXX Is a previous complaint opened on Equifax for not updating credit card balances and payment history. Now they havent reported my car loan since XX/XX/2018 which is incorrect. My payments have been on time for the last 7 months but they have not reported the same which is impacting my credit.
Complaint sub-issue: Their investigation did not fix an error on your report

TODAYS DATE:XX/XX/XXXX XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX XXXX  XXXX. XXXX XXXX XXXX, Texas XXXX XXXX  XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 

Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
I recently submitted a request for investigation of an Acct Number : XXXX/XXXX  XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within XXXX business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX  SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Complaint sub-issue: Debt is not mine

This is a complaint that I thought was done and over, I just received another collection letter from a Century Link collection bill Via : EOS CCA, Collecto, Inc. I never received the modem or the services at that time that these charges occurred. I am currently a XXXX XXXX customer and thought this issue was resolved until I opened my mail yesterday. I placed an order to XXXX XXXX back a few months after I moved into my home in 2014. I went months without internet if it was n't for convenience, and it was inexpensive enough I thought. I do n't really do anything but watch movies and pay bills with it, I 'm not on any social media, I 'm not a gamer. Ironically I am using XXXX XXXX right now to type this. This bill has been ruining my credit for years and I did n't know it. I Ordered XXXX XXXX in 2014 the modem was supposed to be sent out, It was never sent out, someone was supposed to check my service outside only, at no charge they said they had n't made before my first call. They even said they were going to expedite my services to that weekend I would get my modem in 3 days. I was busy working I almost forgot about it completely until I really needed the service I called and asked the lady what happened I thought the modem got stolen off my door step, she said she would check my order " it was never even sent out '' and they would send it and it would be " Expedited '' again, it did n't arrive again ( huge fail ) it was over a month until services started. Long story long They tried collecting in the past and realized their mistake apologized made up for it a little then made the same mistake a little over a year later and continue to ruin my credit.
Complaint sub-issue: Debt is not mine

I have an account on my credit who I do n't know which company this debt collection his. I want this to be removed from my credit.
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Frequent or repeated calls

Beginning  XXXX / XXXX /2017 started receiving calls from  XXXX . On  XXXX / XXXX /17 they called @   XXXX   XXXX  ,   XXXX   XXXX  . On  XXXX / XXXX /17 they called @   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  . On  XXXX / XXXX /17 they called @   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  . On  XXXX / XXXX /17 they called @   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  .
The first couple of calls I answered not knowing who it was on the line. They do not answer me, I can hear noises in the background like faint voices and phones ringing, but they never speak. If I say " HELLO '' a second time, they hang up. I do not know who it is, what they want. I once tried to call the number back, but it puts you in a calling que ( on hold for the next available person ) but no one ever picks up the line. I 'm really tired of getting these calls especially when they do not leave a message or tell me what   they want. I would like help stopping these calls to my cell phone.
Complaint sub-issue: Account information incorrect

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX, CA XXXX Re : Account number : XXXX To Whom It May Concern, This letter is a formal dispute and request to remove late payments from my credit report. The information is incorrect, untrue, and the laws pertaining to furnishers reporting late payments is quite clear. I have outlined it below : Section 623 ( a ) ( 7 ) requires a financial institution that regularly reports negative information to nationwide CRAs to provide one clear and conspicuous written notice of that practice to consumers, no later than 30 days after first reporting such information. My research has found this notice is typically found on monthly statements, however : 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( 7 ) Negative information ( E ) Use of notice without submitting negative information No provision of this paragraph shall be construed as requiring a financial institution that has provided a customer with a notice described in subparagraph ( A ) to furnish negative information about the customer to a consumer reporting agency. 
Additionally, FTC Advisory Opinion to XXXX XXXX XXXX ) states : " Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. This opinion goes on to address the reporting of late payments stating this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct.As you can see the law and FTC opinion state that you, the furnisher, are NOT legally bound to report negative information. Please refrain from continuing to report the late payments on my credit reports. The account is current, and thus, you have a duty to correct and update the negative reporting of late payments. 
Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

The debt occurred and they claim to have tried to collect while we were in bankruptcy. 
This organization never provided formal, required communications to me after the bankruptcy was discharged. They then claim they sent something, however that is not true ; further I have changed addressed and did not furnish them with a new one because they never formally or appropriately communicated. I never had the ability to know of the debt and whether they were legally entitled to collect on it, nor dispute it. They magically then put it on my credit as a collection item 4 years later.
Complaint sub-issue: Didn't receive notice of right to dispute

On XX/XX/2019 I received a consent judgement paper in the mail for myself, along with another person 's personally information inside of my letter. 
I received her legal information with her last four SS #, her name, and her address. 
I contacted the Attorney 's office XXXX, XXXX, and XXXX, XXXX. I let them know what happened, the person XXXX I spoke to just asked that I sent it back. I then spoke to the Supervisor XXXX XXXX at the Attorney 's office his number is XXXX ext XXXX. Mr. XXXX stated it was a sorting mistake, and he will escalate this error the Manager of the mail room. I also mentioned that I wanted the balance of the debt erased and a letter stating it was taken care of. I also let them know that I have filed a complaint with the Federal Trade Commission as well. 

I also contacted the lady that I received her information, she also let me know that she received my information as well. 
She just put a sticky on the my information and mailed it back.
Complaint sub-issue: Other problem

I have a pending " item / credit hold '' on my CitiCard for US {$230.00} relating to a hotel stay posted on XX/XX/XXXX. The " charge '' was processed for XXXX euros at check-in on XX/XX/XXXX to cover hotel incidentals. The room was prepaid and when I checked out on XX/XX/XXXX no money was owed and the hotel staff told me my credit card issuer should let the credit hold " lapse '' in a few days as no money was owed. Based upon my experience with similar situations and other banks the aforementioned was reasonable and I fully expected the item would " drop-off '' with-in three to five business days as no charges would be processed. 

It has been almost two week and the item remains, I contacted Citibank on XX/XX/XXXX and was told the company 's policy was to hold pending items / charges open for 30 days. That seemed excessive and I mentioned that to the customer service representative and I was told that was their policy, but would " elevate '' my concern. 

I can appreciate the bank 's credit policy and the item in question is relatively small in the scheme of things. But it is the principle - restricting credit availability with credit holds for pending items for 30 days is excessive and arbitrary, especially when the onus should be on the vendor to process charges.
Complaint sub-issue: Non-sufficient funds and associated fees

Greetings. My name is XXXX XXXX, and I am writing in regards to XXXX, a financial institution. I have been a long time loyal account holding member, however, their business practices leave a lot of room for improvement. After noticing questionable activity on one of my accounts, I called up customer service and made them aware of the unfamiliar activity on my account. On XX/XX/2022 I canceled my debit card, and a new one was shipped right away. 5 weeks later, I notice similar activity even after the card was replaced so I decided to go into my local branch where I learned that not only had I been charged an upwards of {$450.00} in bank fees alone, that the transactions were not linked to the card, but the actual bank account number itself. I was not made aware of this from my prior dealings., and 5 of the overdraft fees alone were from the same {$3.00} dollar transaction. Yes, a {$3.00} transaction, which was later returned to me by Citi. So after two days of disputing, I was livid to learn that not only am I not entitled to the refunds of the fraudulent charges, I would also not be getting the Non Sufficient Funds Fees returned to me as there was no notation on the account of me reporting the previous transactions as fraudulent when I requested the new debit card sent to me. 
I would like to lodge a formal complaint against the Citi Corporation as I am quite certain there are others who are entitled to having funds returned to them in the same manner I am, and given we are still recovering from a pandemic, there should be some regulations put into effect that protect consumers from these types of grievances. 
This matter was addressed with the corporate office only after I filed a complaint with the Better Business Bureau, where Citicorp further insist I am not entitled to my funds being returned to me as they do have no policies in effect where they are no longer charging fees in this manner, however since these discrepancies occurred before the policy changes were put into effect, my charges are not subject to a refund. XXXX XXXX XXXX It should also be noted that I have two references numbers regarding this complaint as their customer service line was unable to locate the first dated XX/XX/2022 ( or claimed that one did not exist ) which is XXXX. The second reference number which was given on XX/XX/2022 is XXXX. 
I would also like to add that when I did ask for the assistance from my local citibank branch, on XX/XX/XXXX, I was told by the branch manager that some of the fees should not have been assessed as well.
Complaint sub-issue: Reporting company used your report improperly

Well I am a consumer and I received a letter informing me that I was denied credit. So when I look too see the credit agencies they used I see XXXX and some company named XXXX I dont know them and have never heard of this company. Okay so I pulled my scores from all three agencies ( XXXX, XXXX & XXXX ) and they were basically the same but with this company my score is extremely low and this is not accurate and I want something done about it. The letter is dated XX/XX/XXXX although I initially applied for credit on XX/XX/2019 2019
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Citi bank sent me a new credit card without my permission, and that card was stolen and I was charged {$5000.00}. I asked Citi many times to cancel my card which they did not do, and Citi took money out of my checkings account to pay for these charges, and they are refusing to refund the money.