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

All 3 credit bureaus are incorrectly reporting 3 very specific things on my credit report thatare incorrect and need to be removed immediately. The following are the incorrect itemsand I am demanding that they be removed from my credit report. 1. Collection account witha partial account number of XXXX  for $XXXX this account is being reported incorrectly.This account was paid off but you are still incorrectly reporting it. I am demanding that youcontact the original creditor which looks to be a medical collection and request validationon this debt. If the original creditor is no longer paying you to report this information andthey can not supply you with the original documentation then you are in violation of theFCRA and I will sue you for wrongfully reporting information against me which is $XXXXfine per violation. 2. Collection account with a partial account number of XXXX  for $XXXXthis account has the same historical reporting as the above account and I am demandingthat it either meet all FCRA requirements or remove it immediately. Each bureau is herebyrequested to provide me with physical proof that these collections are in fact beingreported correctly or remove them immediately. 3. Bankruptcy: Chapter XXXX discharged. Icontacted the US Bankruptcy court and asked them if they reported this information to thecredit bureaus. They told me that they do not report any information of this kind to thebureaus. After further research it looks like a company called XXXX  or XXXX XXXX is theone that reported this information. On my credit report you are saying that the USBankruptcy court is the one that has reported this information and that is not true sotherefore you are in violation of the FCRA by reporting false information regarding whereyou got this information. Also Equifax is saying that it was a Federal Bankruptcy and that isnot true so you are reporting incorrect information on all fronts and I am now demandingthat you remove this Bankruptcy from my credit report along with the two adverse, incorrectcollections that you are reporting. You are all in violation of the FCRA and I will pursue legalaction if the 3 accounts listed are not removed by all 3 credit bureaus.
Complaint sub-issue: Banking errors

The full narrative of my dealings with CitiBank, and the XXXXe, intimidation, and threats suffered when I tried to collect a bonus promised when opened CitiXXXX  Checking account, funded with {$50000.00} taken out of a high interest savings account are described in the written materials I will submit in connection with this complaint. 
In short, I received an invitation from CitiBank to open this no interest checking account along with a personal bonus code that would give me a bonus of XXXX XXXX Bonus Miles. I fully funded the new XXXX XXXX Acct, linked it to my Citi XXXX Account, and performed the other actions required to receive the promised bonus. But then started receiving weekly Emails telling me that I had to fund the new acct and link it to my CitiXXXX Acct in order to qualify for any bonuses. After multiple such notices, I attempted to reach someone by phone at the numbers on the original mail offer, a welcome packet, Email and back of my debit card, but after 100s of hours off being placed on hold, transferred around to at least a dozen different offices, and frequent cut-offs, I received a letter from the CitiXXXX office informing me that there was no bonus offer associated with the account I had opened using the bonus offer Code in the original letter of invitation. Another 100+ hrs trying to reach someone to correct this error, again to no avail. So went to my local CitiBank Office with all my documentation, and spoke to a personal XXXX. After explaining my problem, she said You opened this account online and not here in my branch, so I can not help you. I then asked if she could at least connect me with someone at CitiBank who could help me, to which she replied You are not listening to me, so you have to leave now or I will call the police. I returned the next day, to withdraw all my funds from CitiBank and to obtain the name of the unhelpful and threatening banker so I could lodge a complaint against her. She refused to tell me her name, locked her business cards in her drawer, and started to call the Police and again threatened to have me ejected from the Branch Office. Fortunately another banker overheard our conversation and gave me his card and assisted me in filling out the forms to withdraw the over {$50000.00} in my XXXX Cking account. But from that day on, I started to get multiple daily scam Emails impersonating CitiBank secure communications asking me to sign in to retrieve urgent account information. I then called a CitiBank number for security issues, and was told that these Emails were not originating from CitiBank and that I should forward them to their fraud department. Only after multiple requests that they investigate the source of scam phishing Emails and put a stop to them did they finally stop coming, making me suspicious that the same abusive person in my local branch office was the source of those phishing Emails. I later learned her name from a helpful banker in the downtown main local Offices of CitiBank, and have lodged a complaint with CitiBank against her and the XXXXy office at their XXXX XXXX XXXX.
Complaint sub-issue: Old information reappears or never goes away

The account below was deleted in XXXX and readded to my credit report in XXXX. I have attached when it was deleted and my fraud form I got from the bank. 


XXXX XXXXXXXX XXXX {$4100.00} Closed
Complaint sub-issue: Having problems with customer service

In XX/XX/XXXX, I went to XXXX to submit my annual Income Based Repayment ( IBR ) renewal form. Per the instructions, I mailed the form to American Education Services ( AES ) in XX/XX/2017. I called them several times to check for status, but they claimed they had not received anything, yet. I escalated and discovered that the application was sent FedLoan Servicing ( It was sent to whatever address was posted at StudentLoan.gov under my account ). Apparently, FedLoan Servicing is a sister company to AES or a company they recently merged with. According to AES, when FedLoan Servicing sent my application to AES to be properly processed, FedLoan Servicing only sent a partial application. By that time, it was XX/XX/XXXX, so I faxed my application to AES for quicker review. Yes, I said " fax. '' They apparently do not have the technology to accept a PDF via eMail or upload ... ... ( Side Note : AES had no record of my conversations in XX/XX/XXXX ; the rep apparently deleted the record of my contact. ) Over the next several weeks, I called several times for status. AES told me each time that they had the application, and it was being reviewed. In XX/XX/XXXX, my payment went up from {$560.00} per month to {$1500.00} per month because they claimed they had not received my IBR renewal in a timely manner. Of course, I had only paid {$560.00}, and now they claim I 'm delinquent. I called again. The agent suggested I send it again. So, I sent the application a fourth time. This agent claimed I had only sent my application in the week prior. She argued with me adamantly that that was the case. I finally convinced her to check the application, and she quietly said, " Why is this dated in XX/XX/XXXX? '' .... I am at the end of my rope with this company. I honestly believe that they are purposely delaying IBR renewals on people with no remaining forbearance so that they can charge extra fees and collect higher payments. This is predatory lending at its worst! And, since it is a student loan, I have no recourse as an American consumer. They now have claim to destroy my great credit and garnish my wages. If anyone else has experienced this, please share! This level of incompetence is too blatant to be accidental.
Complaint sub-issue: Reporting company used your report improperly

LexisNexis stole my personal identification information and sold it to other credit reporting agencies without my written consent. Ive tried to opt of and delete all records pursuant to federal law, but they arent complicit.
Complaint sub-issue: Privacy issues

I opened the card with Citi bank with my phone number, email address and security word. A month later they sent email to my husbands email address asking if he opened the card. He called them from completely different phone number without the knowledge of security word and they blocked my card.
Complaint sub-issue: Didn't receive notice of right to dispute

I the consumer/ natural person and original creditor. Pursuant 15 USC 1602 ( p ) that there has been unauthorized use of my credit card by CITI BANK without me benefiting from this consumer credit transaction. My benefits were taken by misleading and deceptive forms 15 USC 1692j ( a ) requesting payments. This herein unrebutted affidavit of truth being serviced to you today and therefore, standing as truth in commerce, so be it. If called upon to testify as a witness I the consumer and original creditor shall so state herein. This consumer credit transaction was unjust and I had not equity in it. Affidavit of truth and exhibits attached. Please note that an affidavit of truth not rebutted stand as truth in commerce.
Complaint sub-issue: Information is incorrect

My name is XXXX XXXX XXXX. Myself and my adult Children XXXX XXXX, and XXXX XXXX lived at XXXX XXXX XXXX in XXXX, TX in XXXX  ( XXXX XXXX XXXX ). When we moved from XXXX XXXX XXXX, there was a balance owed to which XXXX XXXX sold the debt to Procollect. ProCollect was paid in full for the outstanding amount of {$1.00}, XXXX on XX/XX/2017. ProCollect continues to report that the debt remains outstanding. I have applied for an apartment and ProCollect is showing as an outstand balance to XXXX XXXX Townhomes. I and my daughter XXXX have attempted to reachout to ProCollect to resolve the issue as time is of the essence and are getting stonewalled. The apartment complex that we are applying to has agreed to hold the unit until close of business Monday after that we will loose the unit to another family. The account number for ProCollect is : XXXX. We are dealing with a XXXX XXXX. The bill was paid with a XXXX credit card and I am attaching a copy of it as proof.
Complaint sub-issue: Public record information inaccurate

XXXX XXXXXXXX XXXX has reported a deference plan that has strongly impacted my credit scored. I understand that by the Cares Act during the pandemic, companies should not say this type of issue, so the credit score did not impact during this particular period where all companies and families have been negatively impacted. 
I contacted XXXX XXXXXXXX XXXX and they explain that they did report that Im participating in the forbearance plan, but it a late payment. Im making this claim to the Credit Bureaus because this is not supposed to impeach my credit score. 

This negative impact on my credit score has also impacted my application for an auto lease bank application, as the credit scores have decreased by almost 50 points. 

Please help me solve this. 

Thanks
Complaint sub-issue: Funds not received from closed account

Us bank had block me from both of my accounts my checking account amount is {$1300.00} and my saving balance is $ XXXXthey said the reason they block me from my accounts is because there were deposits electronic deposits made into my checking account and the felt they were some kind of scam or money laundryingthis was 11 months ago some time in mid XXXX of 2020 in XXXX or XXXX I went to the bank and ask what was the status the teller told me that they are closing m y accounts and would be mailing me a check for the total amount in both accounts she also said it would be 2weeks before I would receive the check, well two week went by and still nothing so I called the branch and was told that they was not going to give me my money back that they were still investigating it and that they would be sending my money back to the debtors that was in XXXX well I call to see the status of the bal in both accounts and not only have they not closed my account but the money is still in my accounts they have had almost a year to investigated to see if there was any kind of money laundries or scamming being done they never sent the money back to the debtors and refuse to give me my money the have know proof that I or the debtors were pulling any scams and yet they insist on keeping my money from me in the time they had done this to me I lost my place of living because of what they did and I had direct deposits made from SSI And also a {$1400.00}. stimulus check I deposited in my savings account the debtors never deposited anything in my saving that was the money I had from both stimulus checks I had were deposited in my saving account they were rude and very unfair and refused to tell me anything about my account
Complaint sub-issue: Can't temporarily delay making payments

Went to XXXX  and could not find information to loans and could not repay. Thought I had till XXXX but they are garnishing my checks
Complaint sub-issue: Account status incorrect

This is not a duplicate complaint. The credit reporting agency, Equifax, is fraudulently reporting an adverse collection account on my credit report. The collection agency ( XXXX XXXX ) and credit reporting agency ( Equifax ) received written documentation showing that the account was paid in full on XX/XX/2016, as the original creditor ( XXXX XXXX XXXX, XXXX ) accepted full and final payment of the account. The collection agency is fraudulently reporting a delinquent account when it is not.
Complaint sub-issue: Account information incorrect

I filed a complaint on XX/XX/XXXX. 
OMB # XXXX Equifax responded and stated that they investigated and XXXX XXXX XXXX  confirmed the DOFD of XX/XX/XXXX is correct. 

Now my XXXX  XXXX account on Equifax has a Date of Last Activity as : XX/XX/XXXX I spoke with a supervisor about this and she confirmed that with Equifax it's a DOLA/DOFD. They are the same thing. 

I told her XXXX  XXXX reported a Date of Last Payment as XXXX XXXX to XXXX  and XXXX. 
She finally admitted that the Date of Last Payment on Equifax is alsoXX/XX/2013 with a DOFD of XX/XX/XXXX. 
I told her federal law states the XXXX is 30 days after last payment, not 60 days. 
I asked why Equifax has XX/XX/XXXX as DOFD and she said, " I can't tell you that. '' I informed her that Equifax was on record with the Consumer Finance Protection Bureau stating the DOFD is XX/XX/XXXX. 
She said there was nothing she could do. 
Someone is trying to keep this account on my credit report longer. This account was illegally re-aged.
Complaint sub-issue: Information belongs to someone else

I RECENTLY REVIEW MY CREDIT PROFILE IN FOUND FRAUDULENT ACCOUNT THAT I HAD NO AWARNESS OF AND A PUBLIC RECORD CASE THAT TURN OUT TO BE CHILD SUPPORT AN WHICH I HAVE NO KIDS I WOULD LIKE YOU GUY TO REMOVE THESE FRAUDULENT ACCOUNTS THAT DO NOT BELONG TO ME THANKS
Complaint sub-issue: Banking errors

on XX/XX/XXXX i talked to XXXX from pnc exec. She claimed that the XXXX dollars on XXXX was an error and that one XXXX dollars was on XXXX and one was on the other on XXXX.. I checked my bank account on XX/XX/XXXX i had XXXX cent ... On XX/XX/XXXX my account was overdrawn according to the bank. I did not use my card. I always leave enough money in my account. I placed XXXX dollars in my account anyway before XXXX XXXX. I then left a message for XXXX @ XXXX XXXX XXXX XXXX. Ever since this stimulus payment relief started I have been having issues with my account. I will be filing charges with the police. 



XXXX XXXX XXXX XXXX XXXX XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Other problem getting your report or credit score

I applied for a XXXX credit card on XX/XX/2020, was told that I don't have any existing credit account on my Equifax Account. I have checked with all of my credit issuers, and they're indeed reporting to Equifax. 

I called Equifax on XX/XX/2020, and was told the same thing and to fax/mail my documents to verify my identification, and was told that it should be received within 3-5 business days. 

I faxed over my SSC and DL on the same day. In fact, 3 copies in case one of them is lost. 

On XX/XX/2020, I called back Equifax 2 times to check the status. The first call confirmed the documents are received on XX/XX/2020, but the call was hung up later. The second call got escalated to a manager, who also confirmed the documents are received and read me my cover letter of the fax ( which is correct ), but they can't help me at the time because it was late and the specialists of the relevant department are already off work. I was given a confirmation number XXXX and told to call back again the next day. 

I called again on XX/XX/2020. 3 times in fact. None of the specialists who picked up the phone says they can find my document ( the one I faxed over ) nor the confirmation number that was given to me. Explanations were not provided and 2 of the calls were hung up. 

It is absurd that Equifax asked me to fax over my documents again when they have already received them.
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted XXXX XXXX several times to resolve this issue. For some reasons unknown to me I have 2 accounts with XXXX XXXX. I want them to show proof that I signed for these 2 accounts. This is ruining my credit report. I want them to show proof with documentation that I have 2 accounts or remove this fraudulent information from my trade line. I have also disputed this with Equifax and no one has sent me any proof that these 2 accounts belong to me. They both are the same amount at the same time. PLEASE PROVIDE PROOF THAT THESE 2 ME. I have attached a screen shoot of the 2 accounts that is showing on my credit report.
Complaint sub-issue: Problem getting report or credit score

Equifax is not allowing me access to my credit report and score even when i purchase it i was signed up with monthly monitoring and i still ca n't access it this is what i get when i order it We are unable to complete your order at this time. Please contact our Customer Care department at XXXX ( XXXX ) 7 days a week between the hours of XXXX - XXXX Eastern Time Zone for immediate assistance. Please record the following information and have it available when you call : Eval Code : - Status Code : FL, Reason Code : NH i call and no one know what that means i do not have no fraud alert or security freeze on account. also other lender who pull report can not access it either.
Complaint sub-issue: Fee problem

Dear Sir/Madam, Can you confirm to me about the following bank website? 
www.eastwestlimited.com, East West Bank PLC, XXXX XXXX XXXX, XXXX, NY-XXXXXXXX, USA, Phone number : ( XXXX ) XXXX Fax- ( XXXX ) XXXX, The following bank website with details are genuine or fake.If you are sure about the following bank website thats real not fake then i will inform you by register air mail service with the details of the complaint.If you let me know the website is fake then i will not tell you the details by mail. 
Thanking you, With deep regards, XXXX XXXX, Email : XXXX Home Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Postal/zip codeXXXXXXXX, State : XXXX XXXX, Country : XXXX. 
Phone Number : XXXX.
Complaint sub-issue: Debt was result of identity theft

The following medical collection accounts are being listed on my credit report twice ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and need to be deleted as they were opened by someone who used my identity. XXXX and XXXX XXXX also have two closed credit card accounts that were opened under my name that need to be deleted as they were not opened by me. XXXX XXXX XXXX also needs to be deleted I previously sent you all ( EQUIFAX ) documents showing were that account was closed and dismissed in court. Please delete the account as I am no longer legally responsible for the account.
Complaint sub-issue: Frequent or repeated calls

On XX/XX/2021 I received an email from XXXX with XXXX regarding a loan with outstanding balance. I contacted my bank as I had paid off a loan to another company with the name XXXX. They apparently are one in the same. they received payment. I replied to this email asking for a validation of debt as he was quoting a different name/amount that I was originally aware of and paid. 

All the email correspondence is attached along with daily voicemails. He totally ignored my request and now I am being harassed daily by email and or calls.
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 4. XXXX  XXXX  on XX/XX/XXXX ( Reported Identity Theft ) THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Bankruptcy : Discharged XXXX. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX. 

2. Bankruptcy Chapter XXXXDischarged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX 3. Chapter  XXXX Bankruptcy-Discharged.. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX
Complaint sub-issue: Problem with customer service

Their response to my issues of poor communication have proven exactly why this company can not be trusted with student loans. They have responded repeatedly with half thought out responses not even addressed to me appropriately that haven't even addressed the issue at hand. They also include lies about their previous responses and handling of situations. This company has been unable to respond to complaints repeatedly over and over and over again and in addition are lying in their responses in formal letters. It is this incompetence and dishonesty that makes this company a poor excuse for a loan servicer. They can not even handle a simple task of taking accountability and addressing simple issues. I need this case to be escalated further and I want the CEO to contact me directly so that the issues at hand can be resolved. Obviously the rest of their staff are unable to take on menial tasks.
Complaint sub-issue: Debt is not mine

When I received the invoice from the XXXX I aske for a copy of the contract. They never forwarded it to me. I then started getting calls from a collection agancy calle Voss & Klein. The calls were relentless. I asked The collection agency XXXX to provide a copy of a signed contract and signature of with dates of approval of service by myself. The lady said if I don't pay she will continue to call me until I pay or wreck my credit. They have filed a collection on my credit report. She also state she did not have to provide me anything as I owe the debt.