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

My previous complaint number was XXXX ( with current servicer XXXX XXXX ). however I was advised that I need to go back to XXXX  XXXX XXXX since my loan was transferred from them. I did receive the pay history and it does not match up and they still can not provide my payments from XX/XX/XXXX, to XX/XX/XXXX. I do not know what else to do to get this resolved. Please see the attached documents Loan Number : XXXX Original Lender : XXXX  XXXX XXXX : XXXX  XXXX XXXX XXXX XXXX  This complaint is against XXXX  XXXX XXXX XXXX XXXX a subsidiary of XXXX  XXXX XXXX XXXX for deceptive practices on my loan modification and mortgage payments. I was told by XXXX XXXX XXXX and The Consumer Protection Bureau to file a complaint against XXXX  XXXX XXXX. The series of events are as follows : 1 ) XXXX XXXX XXXX boarded my loan from XXXX  XXXX XXXX XXXX and can not account for payments from XXXX to XXXX. I am disputing an increased loan balance of over {$96000.00} and all the balloon payments. 





The loan modification I signed was out of desperation. This complaint falls under the same scrupulous investigation and determination by the US Department of Justice against XXXX  XXXX XXXX XXXX involving minorities and XXXX. XX/XX/XXXX, XXXX  XXXX XXXX settled the complaint by the US Department of Justice for {$16.00} XXXX dollars. I am requesting an investigation into my loan balance. I do not owe the balance reflected by XXXX XXXX XXXX.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/31 I applied for a credit card with US Bank. The allowed balance was way less than applied for and the card was immediately sent to me. They are now trying to do two hard inquiries to increase the balance to a reasonable amount. The terms and conditions did NOT make it clear how the process works, and that automatic underwriting would be wildly different than a manual underwrite. I spoke to XXXX, the branch XXXX at the XXXX XXXX XXXX and she didnt care and gave me an attitude as soon as she realized I didnt apply in person.
Complaint sub-issue: Can't get other flexible options for repaying your loan

Because I have a consolidated spousal school loan with my ex-spouse, we are not able to refinance to a direct loan and therefore can not take advantage of the PSLF.

We have attempted to convert to a Direct Loan and were denied because Joint Consolidated Spousal loans do not qualify.

This causes additional hardship in that despite the President and Secretary of Education announcements for my FFEL this loan does not qualify for the waiver or for PSLF.
Complaint sub-issue: Account information incorrect

creditor. XXXX XXXX XXXX Please remove all comments including consumer statement
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX Account # 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 says : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Account status incorrect

XXXX 2017 - Customer Service Credit reps XXXX ( Employee ID  XXXX ) and XXXX refused to acknowledge the discrepancy in the credit card balance reporting being sent to me. I had proof that I was not receiving a past due amount for months but they refused to be of assistance. I disputed the payment with the card company, paid off all balances and closed my account since summer of last year. However, my credit score has been diminishing month over month for no apparent reason. I could n't believe that for {$12.00} ( which they claimed I was notified that I owed ), my credit score was affected by 50 points and service reps refused to do anything about that. This is cyber bullying they tried to threaten me that while they will be reducing my score even further because of the account closure, they will be checking my score again if it ever needed to be reactivated. The company knew they were wrong and refused to take responsibility. There is fraudulent activity on my account and I would like to understand why my score keeps diminishing. There is no other activity that comes to mind.
Complaint sub-issue: Investigation took more than 30 days

Ive contacted business Equifax a few times about something reporting to my business credit negatively. Im unsure of what it is and asked to have someone send information about the negative report. XX/XX/XXXX I received a credit report from Exquifax commercial credit report. I sent the filled out information back XX/XX/XXXX and its now over 30 days later and I still havent received any letter or email back.
Complaint sub-issue: Information belongs to someone else

I HAVE REVIEWED MY CREDIT FILE AND FOUND SOME INACCURATE ACCOUNTS AND INQUIRIES THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS UNFAIR TO ME BECAUSE I AM IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH ACTIONS AND MY CREDIT HAS BEEN LEFT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT. I KNOW FOR A FACT THAT THE NEGATIVE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE NEGATIVE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF OF MY CREDIT AS SOON AS POSSIBLE.
Complaint sub-issue: Information is missing that should be on the report

A few months back I discovered that my social security number had been compromised and used to create what police told me was a " shadow account '' which is when bits and pieces of different peoples info are aggregated to create  XXXX  new false identity. I went through the process of fixing this by working with the police and the  XXXX  major credit bureaus.     Recently I was trying to secure financing for a purchase. I am currently sporting a  XXXX  credit score, and have just under {$50000.00} in lines of credit ; I 'm in pretty good standing. However, upon credit check I was denied as Equifax told the financier that I ( for all intents and purposes ) did not exist. Upon reaching out to Equifax they determined that this was indeed the case and told me to reach out to my banks. After speaking with  XXXX   XXXX  and  XXXX  they both told me that not only were they reporting all of my information correctly to    Equifax, but that they were also able to see my credit report from Equifax o n their end.     I thought to myself " well great, everything must be fixed '', but decided to do my due diligence anyways and called Equifax. Once again ... I was not in their system and they instructed me to send in a fax with a copy of my social security card, and driver 's licence.     Simple enough!     I did so and allowed for  48 hours to process as they had told me. I called back in two  business days later and was told that the fax did not have my contact info on the cover letter so they could n't accept it. Sweet.     I go ahead and get all my information together again and send it over via fax and this time was told that the images were not legible ... Mind you, the images took up a full half page of printer paper each so I found this odd since the cards were probably about  10x t heir actual size. No matter! I 'll blow the images up even bigger ( also mind you I could read every single number on the license and social card on my iphone  XXXX  which has a  XXXX  inch screen without my glasses on ).     So I blow the images up even larger AND attach a  XXXX  page   XXXX   credit report AS I WAS ASKED TO and call i n three days later to be told 1- we still ca n't read the social or licence 2- we did not receive the   XXXX   credit report 3- you 're going to have to just send it through mail and w a it 30  - 60 days for processing I 'm a younger guy so maybe I 'm just not familiar enough with fax machines ... but what kind of ink are you guys using that is SO hard to read?     Additionally, why is it that   XXXX   and  XXXX  have no issue whatsoever verifying my identity but you guys are incompetent in this matter? Without a doubt  XXXX  of the most absurd processes I 've ever been through and I genuinely left out half of the other ridiculous nonsense ( like the fact that the call center rep has to put me on hold for 15-20 minutes while finding the physical print out from the fax machine ) in the interest of time.
Complaint sub-issue: Debt is not mine

I have requested for substantiation of this debt and instead of verification documents I received more bills. I contacted my hospital clinic where they confirmed, I have no outstanding bills. Progressive Management Systems has not provided any proof of the debt and instead continues to report me as delinquent, which is impacting the ability for me to get a mortgage loan. Please help me!
Complaint sub-issue: Personal information incorrect

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, and INNOVIS inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX My employer is XXXX XXXX XXXX ( XXXX ) I found addresses that do not belong to me on my credit report please remove the following:XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX  , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX I have included my ID ans SS info for proof of address.
Complaint sub-issue: Didn't receive advertised or promotional terms

Citi Rewards Plus card claimed to to give back 2 thank you rewards per {$1.00} spent for gas stations and regular grocery store purchases .... when using the cars at XXXX which is nationally recognized petroleum company who operates thousands of gas stations over the US i noticed i was getting back 1 point per {$1.00} spent. did a chat session with customer service on XX/XX/2019 and advised the CS rep of the issue but didn't really took the effort to research and tried to blame Master Card for miss categorizing XXXX  as gas station and showing as an auto service instead! i have advised the rep that this is a clear violation of CFPB and should escalate immediately to his compliance officer to correct the problem he ignored me and back to blame Master Card, told the rep to XXXX XXXX but didn't seem interested in taking any action. This is a clear violation and i am being cheated of my thank you points which they advertise heavily. I have many other cards the give me the additional rewards when using gas stations ( XXXX included ) but i feel that this is a way to trick consumer to use this card so Citi can benefit without giving back what they advertised.
Complaint sub-issue: Funds not handled or disbursed as instructed

PNC approved my account so I transferred money from my XXXX XXXX   into the account because it had to be a {$100.00} deposit. After checking my account it still shows an {$0.00} balance. After calling I was told the account they I just received they are closing and I have to go to the branch to get my money. I did nothing wrong and I wont be given an explanation.
Complaint sub-issue: Deposits and withdrawals

On XX/XX/2023, MONEYLION suspended my account ( without notice ) stating that they closed it due to unusual activity. They made no attempt to contact me or question me about these purchases being made, which I told them I DID make. They then told me there wasnt anything they can do. They said I had to submit proof of my license, address and a notarized letter from the company that most recently deposited into my account. Ive contacted the company that last deposited into my account ( XXXX XXXX, which is a tax service. I am not able to get a letter from them because they are so backed up with tax complaints. However, this same company deposited into my account early XXXX and MONEYLION had no issues. The supervisor I spoke with said theyve been dealing with this issue with other customers, but yet they cant do anything to fix the problem. They refuse to release my money to me ( a little over {$1000.00} ) and I am not able to pay my bills or rent.
Complaint sub-issue: Debt is not mine

A collection under my name is reflecting my credit report bureua, impacting my report negatively. 
I contacted the company Enhanced recovery corporation at tel. XXXX, i spoke to a representative name XXXX and supervisor XXXX XXXX, asking information on this case. 
They explain that it was a account for XXXX on a adress that doesnt belong to me, they ask me to contact direct tv since they dont even have my social securitu number and the adress that reflects on the account its not mine. 
I spoke to XXXX, and they told me that they would contact Enhanced recovery corp, to alllow 10 business day for this collection to be remove from my credit since it didnt belong to me. 
The collection is still on my credit report and when i now call Enhanced recovery corp, they tell me, that they cant talk to me about this account since it doesnt belong to me. 
This collection is really affecting my chances to buy a property, and i will appreciate your help.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TXXXX 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 can not furnish a account with out my written instructions
Complaint sub-issue: Problem with personal statement of dispute

XXXX XXXX was unable to set me up in their system so I could pay my bill. They sent me this email confirming this : XXXX XXXX The digital escalation team at XXXX XXXX has received your case ID # XXXX. 


Your case is part of a larger issue that will take more time to correct. Our tech teams are working to fix the problem, and we'll reach out to you as soon as any updates are made. 

Thank you for your patience in the meantime, and should you need any additional assistance, feel free to contact us at XXXX. 

Sincerely, XXXX XXXX  Digital Escalations Team
Complaint sub-issue: Didn't receive terms that were advertised

Citi promotion for new account published on internet with terms if $ XXXX funding new account by XX/XX/XXXX, maintain for 60 days to earn {$200.00} bonus. I met all criteria and am being denied promotional bonus due to discriminatory, unfair and deceptive practices. 
XX/XX/XXXX new account opened by telephone. I asked for bonus code but never provided. Agent told me not necessary. 
XX/XX/XXXX {$5100.00} funding posted XXXX XXXX, contacted Citi via their chat feature and was assured by multiple agents I met all criteria and {$200.00} bonus would post by XX/XX/XXXX. 
Bonus DID NOT post, contacted Citi to resolve. They told me there was no bonus and would not honor the terms. 

I contacted Citi multiple times via phone and no resolution. I emailed their board members no response. 

Please help to give me the bonus due. I did my part and this is creating harm to my family by Citi discrimination and unfair,, deceptive practices.
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$1600.00} XXXX XXXX XXXX  ( Original XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXXXXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXXXXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

I have been in school and I am still currently in school. However, SALLIE MAE has added late payments when they should have differed. Multiple times, I have asked for that to be corrected, but they continue to refuse to remove the late payments. 
I was at Florida XXXX XXXX from XXXX for my XXXX XXXX XXXX for my XXXX XXXX, and currently obtaining my XXXX starting XX/XX/2022. 

Furthermore, under 15 USC 1681, I never consented to share my information.
Complaint sub-issue: Investigation took too long

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Complaint sub-issue: Information belongs to someone else

Due to me being a victim of identity theft .I have unauthorized accounts that appears on my credit report I request the above accounts to be delete and removed off my XXXX , XXXX  , and Equifax credit report. Doing the trouble sometime of Covid 19 when acquiring funds to sustain everyday life is crucial, This unauthorized account has severely hindered me I am requesting that the above unauthorized account be removed immediately from my XXXX, Equifax, and XXXX credit report due to my identity been stolen.
Complaint sub-issue: Information belongs to someone else

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, 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 XXXXXXXX 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: Their investigation did not fix an error on your report

This has been an on going issue with XXXX. I sent letters to Nelnet and XXXX asking for the accounts listed to be investigated per the FCRA. I sent complaint and XXXX responded with the attached letter. 

According to the FCRA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge or who may have knowledge concerning any such items of information. 

They stated my account my account were verified but how is that possible if they did not perform perform a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % accurate. Lastly, according to the FCRA 15 USC 1681 everything has to be 100 % accurate.
Complaint sub-issue: Old information reappears or never goes away

XXXX XXXX XXXX HAS REPORTED MY ACCOUNT TO EQUIFAX LATE IN ERROR. THE REPORT SHOWS I WAS LATE XX/XX/XXXX AND XX/XX/2015 AND THIS INFO IS NOT CORRECT.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

In XX/XX/XXXX, I spoke with XXXX regarding the reporting of a XXXX XXXX  Holding Acccount that was closed. The information was subsequendtly updated as accurate- no late payments. I contacted the creditor and they advised they would update the report which they did in the past. Today XX/XX/XXXX, I looked at my report and XXXX XXXX reported me as being late in XXXX and XXXX again, whch is totally inaccurate. XXXX  keeps allowing the creditor to report inaccurate information on a closed account that was last reported as accurate in XXXX. 3 years later we have a activity of late paymet activity.
Complaint sub-issue: Didn't receive enough information to verify debt

I sent a letter to the credit bureaus and to the decbt company and no one sent me anything to verify this infomation. I have called the credit bureaus and they told me that I needed to contact the company which I did. I asked XXXX, XXXX and XXXX and they would not tell how how they verified the information nor would they give me any other information on the phone or threw the mail. I am confused on how you report items on a person credit and can not say how it was verifed.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

PLEASE READ THE ATTACHED DOCUMENTS FOR FURTHER DETAIL OF THE SITUATION. THIS IS A COMPLAINT THAT IS NON INFLUENCED FROM ANY PARTY.