Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Collected or attempted to collect exempt funds

Citi Bank credit card opened in XXXX, made consistent payments. Fell onto hardship in XXXX, tried to negotiate a settlement in XXXX was denied. Tried to file bankruptcy in XXXX and was denied. Negotiated settlements with all other debts and this Citi Bank credit card would not work with me. XXXX owed was {$6900.00}. For the past 4 years they have been garnishing my wages, charging 10 % interest per day on the debt owed. Tried to call the again to settle and they wanted me to pay more then the amount owed. This is unreasonable.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX- AMOUNT- {$8200.00} DATE OPENED XX/XX/XXXX XXXX- AMOUNT- {$1200.00} DATE OPENED- XX/XX/XXXX XXXX XXXX XXXX   AMOUNT- {$430.00} XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX - AMOUNT- {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX- AMOUNT- {$0.00} DATE OPENED XXXX XXXX XXXX AMOUNT- {$0.00} DATE OPENED XXXX XXXX XXXX -AMOUNT- {$0.00} DATE OPENED XX/XX/XXXX XXXX XXXX XXXX -AMOUNT- {$2600.00} DATE OPENED XX/XX/XXXX XXXX XXXX XXXX -AMOUNT- {$2300.00} DATEOPENED XX/XX/XXXX XXXX XXXX XXXX XXXX -AMOUNT- {$2200.00} DATE OPENED XX/XX/XXXX
Complaint sub-issue: Funds not received from closed account

I held a checking account at Citibank, # XXXX, which the bank closed in XX/XX/2022. There was also a debit card issued on this accounting ending in XXXX. On XX/XX/2022, XXXX issued me a refund to that card ending in XXXX in the amount of {$79.00}. I've spoken wth XXXX and the refund was not rejected so this means Citibank still has my funds and as of the date of this complaint has not refunded this money to me. I am owed {$79.00} and the transaction ID for this refund per XXXX is XXXX. 

It has been 3 months since this refund was issue which is more than enough time for me to have received the refund from Citibank The only resolution I will accept to this matter will be my money returned to me. I have tried calling Citibank 's call center, however, they must have outsourced their customer service because the people that answer that line do not speak clear enough English in order to understand them. They tell me to go to a branch and when I go to a branch, the branch tells me I must contact customer service. At this point I am going in circles. 

XXXX XXXX
Complaint sub-issue: Account status incorrect

Upon reviewing my updates, incorrect information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is still reporting on my Credit Reports : XXXX XX/XX/2021
Complaint sub-issue: Application denied

Last year I moved to California from Illinois. I opened a new checking account with XXXX Bank in LA. I put my CITI Bank XXXX and COSTCO cards on autopay with the new account. I used the Illinois routing no. For the new account instead of the new LA bank routing no. And the payments were denied. By the time I realized my mistake the Citi bank card people cancelled both cards and will not reinstate them. No reason given to me! 
I have received an XXXX XXXX card, an XXXX XXXX card and a XXXX bank credit card in XXXX day. 
I need my COSTCO Visa card to purchase gas. 
Can you help me? I have no bad credit issues!
Complaint sub-issue: Trouble with how payments are being handled

FedLoan, the loaning agency previously held onto my student loans which I had paid in full, and on XX/XX/XXXX I requested a {$10000.00} refund which I hoped to get forgiven through the Student Loan Forgiveness plan. They initially told me it would take 2-4 weeks to get my loan back. Shortly after this window passed I called again and was told I was mistakenly told wrong information and that it would *actually* take 6-8 weeks. I asked for a hard deadline of when I should be expecting this refund to process since they had already passed the window initially given and I wanted to be able to plan financially. They told me objectively I should see this processed no later than the end of XXXX. The end of XXXX has come and this still never processed. They have now stated they no longer handle student loans and to reach out to the assigned company, but no company has been assigned to handle my loans. I do not know if this refund is still going to happen at this point but I want to know what to expect so I can plan accordingly. I am upset that FedLoan lied to me, not once, but twice, about this planned time frame for getting the refund as I am now unable to even apply for the forgiveness since it has been blocked by the Texas judge.
Complaint sub-issue: Not given enough info to verify debt

I briefly had a cellular telephone account with XXXX XXXX XXXX back in XX/XX/XXXX. I was on a XXXX plan an was paying somewhere between {$50.00} and {$60.00} a month. Being that my plan was XXXX, I had the freedom to choose a different service at any time. I decided to switch from XXXX XXXX XXXX to a different cellular telephone service. In XX/XX/XXXX a collection account from Enhanced Recovery Corporation appears on my credit report. This debt collection company claims that I owe {$200.00} from old XXXX XXXX XXXX debt. Being that my cell service was XXXX, this is not possible. In addition to that, my bill was paid in full when I decided to switch to a different carrier. I have attempted to have this debt verified to no avail. I also disputed this debt to no avail. I am at a loss as to what I should do about this debt.
Complaint sub-issue: Their investigation did not fix an error on your report

I PREVIOUSLY SUBMITTED A DISPUTE FOR IDENTITY THEFT AND THE PROBLEM HAS BEEN RESOLVED.
Complaint sub-issue: Information belongs to someone else

It has been a dissappointment seeing my Credit File still indicated the disputed accounts and information beinf reported on my Credit File despite the numerous attempts I have done to correct my Credit File. I have been sending dispute letters directly to the Credit Bureaus with complete attachments of my perosnal information as well as the ID THEFT REPORT I have been receiving from the FTC. I ave also been submitting CFPB Complaints to the in hopes that the Credit Bureaus will be able to see my disputes. But no matter how I try, no matter how persistent I am, the Credit Bureaus have also been consistent in ignoring my requests. Their willful non-compliance with the Fair Credit Reporting Act section 605b, is a clear violation of a consumer 's rights under the Federal Law. The Credit Bureaus have been claiming that the Disputed accounts and information are verified and yet they have not sent me copies of proof of their verification. I am now submitting this CFPB complaint to infrom the Credit Bureaus that I am working with a legal counsel to file a lawsuit against the Credit Bureaus. If the Credit Bureaus are not able to remove the dsiputed accounts and information per request within the time allowed my law, I will be forced to file the lawsuit. I wish to avoid as much trouble for me and the Credit Bureaus. If it not that too much to ask, please have the following items removed from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$500.00} XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance : {$540.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$20000.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$620.00} XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX  Inquiry Date XXXX XXXX, XXXX XXXX  Inquiry Date XXXX. XXXX, XXXX XXXX Inquiry Date XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX Inquiry Date XXXX XXXX, XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX XXXX XXXXXXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX Inquiry Date XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry Date XXXX. XXXX, XXXX XXXX - XXXX XXXX Inquiry Date XXXX. XXXX, XXXX XXXX Inquiry Date XXXX XXXX, XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

This is an old cell phone bill originally by XXXX, that occurred in XX/XX/2012 while I was in high school working a part-time job. I paid on it until my temporary job ended and it took awhile to get another part-time job. Due to limited income I was not able to continue to pay and XXXX turned the unpaid bill over to a collection company. This is now affecting my credit score and now affecting my ability to get a good job with a federal agency. I am willing to settle the account but I would like proof of the contract which I am not getting.
Complaint sub-issue: Information belongs to someone else

HELLO, MY NAME IS XXXX XXXX XXXX AND I AM A VICTIM OF ID THEFT. THE FOLLOWING COMPANY WAS OPENED FRAUDULENTLY IN MY NAME : XXXX XXXX  OPENED : XX/XX/2017 AMT. XXXX
Complaint sub-issue: Information belongs to someone else

Someone got hold of my information and opened up some accounts. XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX and now in Delinquent and charged off
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recently noticed an inquiry on my credit profile from Equifax Mortgage Company. Ive never applied for any services with them. Ive contacted the company directly 4 times asking them to remove this inquiry but they just give me the run around. Theyre not able to verify that I applied. I asked them to provide the IP address for the computer/mobile device used the day of the alleged inquiry from me and they were unable to provide one.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

This is regarding a complaint I filed with US Bank Reliacard and the CFPB many times. The last complaint number was XXXX. 
As of today, US Bank Reliacard has still not refunded the money taken from my stolen government issued XXXX Bank card. I provided ample evidence that I was no where near the location of the purchases or ATM withdraws, including my precise GPS location. I have a sworn affidavit statement by another individual testifying that I was with them and no where near the area of the purchases or withdrawals. I proved without a doubt these were not my transactions. US Bank Reliacard still refused to pay. 
As of today, US Bank Reliacard has not yet provided me with the documents used in making their determination. Nothing. You can see that a monthly statement was provided by US Bank Reliacard, and this was what they claim to have based their decision on, however, this statement does not prove our even highlight what the decision was based on. There is no evidence within the monthly statement to support their denial. There is no evidence to support their claim that i benefited from the transactions. They claimed a pattern of use was a reason for their denial. There can not be a pattern of use established for the ATM withdraws that occurred at the XXXX Kansas XXXX XXXX because I do not use the credit union, Therefore the only pattern possible is the pattern of non use. My withdrawing occurs at the XXXX XXXX Bank. If the withdraw did not occur at the XXXX XXXX Bank only. Then it was not my withdrawal. There is great evidence to support my claims and none to support XXXX Banks claim. The fact that they still have not provided any actual evidence to support their claims in this long amount of time indicates to me that they have no evidence still. 
US Bank Reliacard advised that this matter is an issue to be resolved by the Kansas Department XXXX XXXX. It is not. I contacted the department of labor and they told me that " once the deposit is made to the card, the funds are no longer their jurisdiction. The fault lies with US Bank Reliacard. '' I am awaiting a written statement from the XXXX to provide you as proof of what they told me. I will get it to you as soon as it arrives here. 
US Bank Reliacard is bound by our customer agreement and is solely responsible for the remittance of my missing funds occurring from the theft of my XXXX government issued payroll card. They have an obligation to fulfill. I want my full dispute paid to me immediately.
Complaint sub-issue: Information belongs to someone else

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE DEROGATORY ACCOUNTS OFF MY CREDIT FILE. I HAD NO KNOWLEDGE OF THOSE ACCOUNTS UNTIL I RECENTLY UPDATED MY REPORT, I'M SHOCKED AND IN DISTRESSED BECAUSE THOSE ACCOUNTS ARE AFFECTING ME IN APPLYING FOR NEW CREDIT.
Complaint sub-issue: Talked to a third party about my debt

Thursday XXXX XXXX 2015 I received a phone call from a former co worker stating a message was left for me at my prior place of employment from a " XXXX XXXX '' regarding a " civil complaint '' and referencing a case # and a # to call back. I called that number and got the voice mail of this " XXXX XXXX '' stating the company was Clear Credit Solutions. I have no knowledge of who this " XXXX XXXX '' is or why this person is contacting one of my former co workers about this so called " civil complaint '', not ONCE have I personally ever received a phone call from " XXXX XXXX '' or Clear Credit Solutions. His business practice and communication tactics are unethical and need to be stopped immediately.
Complaint sub-issue: Attempted to collect wrong amount

I Have been in contact with this collection agency for several years. balance of XXXX form vandalism on my home by an employee that worked there at the time.Most recently back in XXXX, I called asking how to set up XXXX semi-monthly payments to pay this debt off. I was advised they had sent several settlement letters to my old address, the most recent one expired 2 weeks before I called. I have called and offered payments to settle they refuse to work with me saying they do not take payments. I sent payments they rejected them .No where on the website does it disclose payments are not an option. I ask for a supervisor they do not provide one. ME and my children are homeless because no one will rent to me because of this. They all want proof I have paid, but again that is not an option,. I updated my address XXXX and they still are sending letters to the wrong address. this is a horrible company taking advantage of people. I have been advised to sue by the state of NV as debt collectors for rent are supposed to accept payment but lack the knowledge to do so. There is no relief, no supervisors I can speak with. They keep threatening to report I am refusing to pay every time i call to make a payment.additionally something needs to be done here, as i have attempted multiple times to pay what they are stating i owe and they keep turning down every payment i have attempted to send them, i do not see how they can say they are sending settlement letters when they are sending them to the incorrect address, and when i tell them that they basically say oh well, this is not how a business should be ran debt collector or not, they should be more than willing to work with people especially since covid and other factors have happened. I want them to either write off the balance or allow me to set up a payment arrangement so i can get off the street. I am in contact with XXXX XXXX XXXX and am filing suit against them.
Complaint sub-issue: Can't decrease my monthly payments

I am currently paying back my private loans with AES in the amount of {$1200.00} a month for attending XXXX XXXX for 5 years. This has been hard on me because that is basically my entire check per month, leaving me with a total of {$440.00} per month and my rent is {$350.00} a month. So basically i have to live off of {$90.00} a month. I have tried everything to get them to lower my monthly payment. At first i was paying just interest, then it went to principal amount ... and toggled between the XXXX. Now I am paying back the full amount with no fixed interest. Not to mention I still owe for my Federal loans that is with XXXX. I have no clue what to do anymore. This has been going on since I left school in XX/XX/XXXX, I have used up my forberance and deferment options. I have made it my business to just pay my loans becuase my father is the cosigner and after all this was my responsibility. There has to be something I can do to lower the amount. I can not live off {$90.00} a month. Please tell me there is somthing that can be done about this. I can live like this until my loans are paid off in XX/XX/XXXX. I am tired of stressing over my loans.
Complaint sub-issue: Account status incorrect

I have a late payment on my account because i attempted to pay it online repeatedly and they kept kicking me off the site because of technical issues. I attempted to make my payment by using my phone and a computer and it locked me out. I then tried calling but was on hold forever to the point that i think it was a false number. By the time i had time to make the payment the payment was late even though i emailed the company to please assist me.They also never called or sent me a bill in the mail so i had no other way of paying it. I have tried repeatedly to have the company remove the late pay history since its my only one with this account and it effecting my ability to get a good interest rate on a home. I have also contacted the credit bureas but have not gotten the results i had hoped for there either. Please assist me in helping get this removed as it was not my fault. Thanks
Complaint sub-issue: Unable to receive car title or other problem after the loan is paid off

lease term terminated on XX/XX/XXXX and car was returned on XXXX.Final payment was made on XX/XX/XXXX. US Bank took another payment out of my bank account on XX/XX/XXXX. This must be illegal. On XX/XX/XXXX they told me they would mail me a refund. I asked them to electronically credit my bank account but they said they can not do that. They now tell me that check was mailed to me on XX/XX/XXXX but i have not received it. They say it can take 14 business days after they mail it. They offered to stop payment and issue another check but that process would take up to 24 business days. this would mean I might get refund over 2 months after they illegally took my money.
Complaint sub-issue: Investigation took more than 30 days

I reviewed a current copy of my credit report and I show inaccruate informaiton listed. I attempt to dispute item and I have not recieved any replies and it be pasted more than 60 days on account with in a viloation for FRCA timeframe. Please delete account Name XXXX Account number XXXX.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

XX/XX/XXXX I called Citi to report fraudulent charges and report the card lost/stolen. the lost stolen was taken care of right away but the fraudulent charges have not all been credited back to the account after several calls to the company.Sent Cit a file on XX/XX/XXXX showing the 60 fraudulent charges from XX/XX/XXXX - XX/XX/XXXX along with dates, description, and amount charged. I've made numerous calls to Citi ; XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) always being told I would see the credits in 2-3 business days. On XX/XX/XXXX spoke with XXXX a XXXX in XXXX XXXX in FL and she said a complete audit would be done on the account and everything would be cleared up in 7-10 days. Called Citi one last time this morning ( XXXX ) and spoke with XXXX, again he said he would have it looked into. 

Since it's been over 60 days ( and out of the timeframe for a dispute to be resolved, I informed Citi I would contact the CFPB for resolution.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 ) days late on XXXX XXXX   account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance due. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Complaint sub-issue: Information belongs to someone else

I check My Credit and I notice that someone Has been Using My personal Information for their Benefit I believe it the same person which stole my Valuable Items, which I made a police Report for Attached with this report you will find my Police report. I did not authorize nor give anyone Consent for these Accounts to be Open. This is Fraud!!! please Help me Resolve this matter, this is very Stressful Thank You
Complaint sub-issue: Investigation took more than 30 days

In XXXX, I sent Equifax and XXXX an dispute for incorrectly reporting XXXX XXXX XXXX {$630.00} on my credit report. No verification with signature or anything else was sent to me that this collection belongs to me.
Complaint sub-issue: Account information incorrect

The credit bureaus did not verify the accuracy of the XXXX XXXX XXXX  account and continues to report wrong payment histories, high balance wrong amounts, incomplete account number. I am being treated entirely unfairly and my credit rights have been violated. Please delete this report as these credit bureaus are not complying with the FCRA timelines for investigation or accuracy of accounts.
Complaint sub-issue: Account status incorrect

My name is XXXX XXXX, I have an incorrect address reporting on my credit report XXXX XXXX XXXX XXXX, PA XXXX, that may have been due to fraud. XXXX, Equifax and XXXX  refused to remove it. 

Also, I have inaccurate account reporting 's on my report as well listed below : XXXX  XXXX XXXX XXXX Account Number XXXX this is an incomplete Account # is incomplete THIS DOES NOT comply with FCRA 609 ( a ) ( 1 ) by not reporting the entire account and accurate account number, this is not reporting 100 % accurate information.

This Status was Updated XX/XX/XXXX - This re-Aged my account by reporting the date of last activity instead of the first delinquency which is a direct violation of FCRA Section 605 ( c ). Furnisher Rule Part 660 XXXX   inaccurately changed the date of first delinquency on this account.

Inaccurate and undated late pays 130 late XX/XX/XXXX the 30 day late XX/XX/XXXX Inaccurate reporting per Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ).

I am requesting that in compliance with Section 623 ( a ) ( 2 ) of the FCRA that these accounts showing a 30-day late payments be updated and/or corrected to pay as agreed on time. 

XXXX XXXX Account Number XXXX Account # is incomplete THIS DOES NOT comply with FCRA 609 ( a ) ( 1 ) by not reporting the entire account and accurate account number, this is not reporting 100 % accurate information. Furnisher Rule Part 660 XXXX  inaccurately changed the date of first delinquency on this account. Invalid information reporting by furnisher. Not reporting 100 % accurate information per FCRA section 609 ( a ) ( 2 ) and the FCRA 623 ( a ) ( 7 ) ( G ) ( i ) and permanently delete this from my credit file per FCRA 623 ( b ) ( 1 ) XXXX  XXXX Account Number XXXX Inaccurate late payment showing XX/XX/XXXX Inaccurate and undated late pay reporting not reporting 100 % accurate information according to FCRA 609 a 1. update to paid on time as agreed.