Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Old information reappears or never goes away

In XX/XX/2019 I consolidated all of my XXXX student loans with XXXX servicing. The new loan appears accurately on my report. However, my 12 XXXX loans appear as follows : {$0.00} balance, paid, current and closed. 
I am seeking the removal of all closed and late patents connected to these accounts if possible. 
I reached out to XXXX but they said that I had to contact the credit bureaus for further information. I have sent letters to the three major bureaus in XX/XX/2019. That above status remains. 
Im simply needing clarification or the removal of the accounts along with any negative reporting/late payment history that is now current.
Complaint sub-issue: Information belongs to someone else

I have contacted Equifax several times via phone online, and via first class mailings on many occasions in regard to an account that was placed in my name that did not belong to me and that I did not authorize, and I am not familiar with. I get the same results each time and I have had it, it makes it look very bad on my credit report and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have numerous accounts that does not belong to me reporting inaccurately. I have disputed and reached out to Equifax several times and they say the same thing over and over. The companies either need to send proof or validation or it needs to be removed. These accounts do not belong to me. I've filed a FTC Identity theft report and sent it to all three credit bureaus and even the company that's reporting. I've called Equifax and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was taking care of it only to find out she had the account set to auto review as the next representative stated in the last phone call, I haven't had any luck with this. The following accounts are what is being reported are : XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. I have even sent copies from XXXX & XXXX   showing that they deleted items that Equifax keeps saying verified. How can they all be using the same information, but some bureaus are correcting items & the other is saying verified which is totally incorrect.
Complaint sub-issue: Deposits and withdrawals

My roommate and I have two separate bank accounts with US Bank. A representative named XXXX froze both of our accounts while we were traveling in XXXX XXXX 209 miles from a US Bank branch and demanded we go into a branch. A separate department with US Bank had already requested a copy of identification and released the hold. This hold is arbitrary and unnecessary as the bank has already validated both of our identities. The woman is on a power trip and has clearly never understood the concept of people sharing an address. I demand access to my funds which are DIRECT DEPOSITED into this account.
Complaint sub-issue: Old information reappears or never goes away

I didn't give the said Debt Collector consent to furnish this alleged debt, that is violation of 15 USC 1692d ( 4 ).

Coercing myself to pay you an alleged debt by ruining my financial reputation is a violation of 18 USC 894. Now because you all benefit at my expense, the debt collector, original creditor, and consumer reporting agencies are engaging in racketeering activity 18 USC 892 ( b ) ( 1 ) -Companies have no right to attempt to collect the alleged debt by way of judicial processes.

Again debt collections can't lawfully : Possess by identifying information, Contact me about an alleged debt, ruin my credit, or SUE me for nonpayment of a debt.

Please understand Debt Collector or your firm have no lawful standing. 15 U.S. Code1692i ( b ) Trying to punish me for a nonpayment of a debt by furnishing it to the CRAs is a violation of 18 USC 894 and carries a criminal penalty of XXXX years.

The said Debt Collector need to understand this is also aggravated identity theft 18 USC 1028A I'm demanding for the alleged debt entry to be deleted and removed from ALL CRAs effectively immediately.
Complaint sub-issue: Account information incorrect

The mortgage account is reporting the account has been 30 days late which is inaccurate. I have listed below the dates of my payment and confirmation numbers, which will show the account has never gone past 30 days late. 

XXXX {$2100.00} XXXX XXXX -- - XXXX # XXXX. XX/XX/XXXX applied to your loan on XX/XX/XXXX. 

XXXX {$2100.00} XXXX XXXX -- - XXXX # XXXX. XX/XX/XXXX applied to your loan on XX/XX/XXXX. 

XXXX {$2100.00} XXXX XXXX -- - XXXX # XXXX. XX/XX/XXXX applied to your loan on XX/XX/XXXX. 

XXXX {$2100.00} XXXX XXXX -- -- XXXX # XXXX XX/XX/XXXX applied to your loan on XX/XX/XXXX
Complaint sub-issue: Personal information incorrect

I pulled my credit report on Equifax and found 3 previous addresses listed where I have never lived.
Complaint sub-issue: Information belongs to someone else

Who it might concern with this letter I inform that my fathers social security number are very similar with only one digit difference we have both the same name and have shared same addresses for the past 15 years. My father social security number is completely the same expect for the last number his social security ends on XXXX and mine ends in XXXX. As a result the creditor XXXX XXXX with account XXXX and the debt amount of XXXX needs to be removed as they do not belong to me but to my fathers. In case an affidavit is needed my father has signed and dated one with documents confirming that this account belongs to him.
Complaint sub-issue: Account status incorrect

Despite multiple written requests, this unverified account listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022, but no answer was received.This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

XXXX XXXX Balance : {$4100.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX  account XXXX XXXX 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 has violated my rights. 

U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

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: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX and XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 9 - 13 of the attached from the credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and  nothing is past due.
Complaint sub-issue: Received bad information about your loan

Hello : I am in the XXXX program for my student loans via XXXX. I have worked for the same employer ( a local government ) for 8+ years now while in this program. This year XXXX has been unable to accurately service my loans. It's been three months and they keep failing to properly process my Employment Certification Form and send me erroneous, misleading, information. The first letter they sent XX/XX/22 showed the same number of qualifying payments as the previous year, alarmingly pushing back my estimated forgiveness date, despite them being in receipt of a completed form at that time. They obviously didn't process the form and decided to send out wrong information and create confusion. I called their customer support and waited an absurd amount of time to only be told by an agent that they could clearly see it was a mistake, but all they could do is make a note in my file to process the form correctly. Ok, I give benefit of the doubt, wait.. Now, they send correspondence on XX/XX/22 that says my XXXX form is incomplete and can't be processed! This is patently false, as I can retrieve the file I uploaded to their website still in the outbox and see that the items they are claiming aren't filed out are indeed completed! They said I need to contact them AGAIN! As I write this I am on hold for an hour already still trying to get a simple form processed correctly. This is insanity! I feel completely abandoned by XXXX and they are clearly unable to do this work anymore. This XXXX program feels predatory now like my own servicer is sabotaging me when I've done everything right and am almost at 10 years. PLEASE HELP.
Complaint sub-issue: Fees charged for closing account

This is in response to the first CFPB complaint I submitted. Citi has responded but not provided a full picture of the events. 
This is what happened : -XX/XX/XXXXXXXX I cashed a check for {$1700.00} to withdraw my entire funds from the CITI Bank Account . 
-XX/XX/XXXXXXXX I logged in to my Citi account and NOTICED that my account balance was reduced to {$0.00} and the check was showing up as a debit on my account. This is the day I chatted with the CITI reps and asked them to close my account. ( My balance was already showing as {$0.00} ). 
-XX/XX/XXXXXXXX My other bank ( where I cashed the Citi check ) informed me that the check had bounced, and I was charged {$34.00} bounced check fee from my own bank. I don't know why the check had bounced if CITI had already reduced my balance to {$0.00} on XX/XX/XXXX. 
-XX/XX/XXXXXXXX Yes I logged back in and noticed that my entire balance of {$1700.00} was still available, so I XXXX that back into my own bank to reduce the balance to {$0.00} and let the account close. 

After this, CITI Charged me a " bounced check fee '' as well ( not sure why if the check was already showing as cashed from CITI when I asked them to close it ). Then every month CITI charged me an overdraft fee to accrue multiple charges in fees. Yes as you stated, I was receiving statements, however if you see I also have 2 credit cards with CITI with a {$0.00} balance that I haven't used in a while. So when I was receiving my ELECTRONIC statement notifications via email, I was deleting them as the email only says " Your statement is ready '' and I never open the CC ones since I don't use my CC 's so I ignore those emails. 

Lastly, IF there was indeed an issue with closing my account why did the customer service rep not mention that there was anything pending? The CSR on chat Confirmed I had a {$0.00} balance ( implying my check had cleared ) and proceeded to close the account.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

I TOOK OUT A LOAN WITH MYPAYDAYLOAN.COM AND THEN I GOT IN A WORK RELATED INCIDENT AND WENT ON SHORT TERM XXXX. I TRIED PAYING THEM AND COULDN'T ANY LONGER. THEY IN TERN ADVISED ME BY EMAIL THAT THEY WERE TURNING THE ACCOUNT OVER TO AN OUTSIDE COLLECTION AGENCY CALL XXXX XXXX XXXX. THEIR NUMBER IS XXXX. THEY HAVE NEVER TRIED CALLING ME BUT THEN I STARTED GETTING CALLS TWO WEEKS AGO FROM A XXXX XXXX XXXX EXT XXXX FROM A SO CALLED XXXX XXXX XXXX. THEN ANOTHER PERSON SOUNDING VERY MUCH LIKE XXXX XXXX THIS TIME NAMED XXXX XXXX. THEIR FILE NUMBER WAS FOR XXXX. THIS TIME HE GAVE ME A DIFFERENT TELEPHONE NUMBER OF XXXX EXT XXXX AND THEN I GET ANOTHER PHONE CALL FROM ANOTHER DIFFERENT NUMBER XXXX. I DID SOME RESEARCH AND ALL THESE NUMBER RING BACK TO XXXX XXXX XXXX. XXXX XXXX XXXX IS SUPPOSSEDLY LOCATED AT XXXX XXXX XXXX XXXX XXXX, NY XXXX AND XXXX XXXX XXXX IS LOCATED AT XXXX XXXX XXXX XXXX XXXX, NY XXXX
Complaint sub-issue: Information belongs to someone else

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

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 XXXXXX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX  XXXX Date Opened XX/XX/2017 Balance {$100.00}
Complaint sub-issue: Problem with personal statement of dispute

Entered into a disaster relief forbearance with lender under the XXXX XXXX disaster relief program as a result of Hurricane Irma.  As part of the program, credit report was to be suppressed and no negative information was to be reported to the credit bureaus. During the forbearance period, I paid off the loan in full including including all the deferred payments when I sold the house. Upon payoff of the loan, I was reported to the credit bureaus as being 180+ days past due. I had this loan since XX/XX/2004 and was never late. The lender has refused to fix the issue and has advised that regardless of being under a disaster relief forbearance, they suppressed the reporting during the forbearance but when I paid off the loan, I was out of the forbearance period and had to report me negatively to the credit bureau.
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/XXXX to XXXX Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX Balance Owed : {$0.00} XXXXXX/XX/XXXX
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

on XXXXan unauthorized transaction for {$2000.00}. And another Unauthorized transaction on XX/XX/XXXX for {$830.00}. I became aware of Unauthorized activity on XX/XX/XXXX when I called US Bank to report I was locked out. This is the second time USBANk has allowed someone, other than me, access to my account. On XX/XX/XXXX a us bank employee informed me that someone made numerous calls in attempt to gain access and that a us bank employee eventually provided that access without verification of passcode on file. She said she would provide that documentation in my file. I provided a written dispute form and a copy of my id within ten days but I recieved a case closed letter XXXX stating no funds would be credited. Us bank 's own customer service representative, XXXX, informed of them allowing someone access without verification of passcode as well as the multiple calls made to gain this access. I tried contacting us bank but employee said it was nothing they could do. 
THESE UNAUTHORIZED TRANSACTION OCCURED ALMOST IMMEDIATLY AFTER USBANK RESOLVED THE FIRST ISSUE.
Complaint sub-issue: Sent card you never applied for

I have been getting a call from someone claiming to be from Citibank the last two days from # XXXX. I have never applied for any credit from this bank. The messages they are leaving on my voicemail is that " in order to process your request we need additional information, please call us at XXXX, we are open 7 to midnight EST and if you could use the following reference number XXXX when you return our call and again this is Citibank calling, thank you and have a great day. ''. when you call that XXXX number it claims to be a banking center with two options and than asks for your SS #. I called CitiBANK getting there phone number from the internet and they have no record of me applying for credit or having an existing account. I think this is a fraud call.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt resulted from identity theft

I received a letter from XXXX stating that my information was compromised from the XXXX servers and that my information from a XXXX acct that i applied for was taken. I did not open a XXXX acct. I applied and was denied. But my personal information remained on their servers and was taken and a fraudulent charge of XXXX $ resulted. I have uploaded the letter from XXXX. Id like this negative mark on my credit removed removed since it is NOT MY ACCOUNT.
Complaint sub-issue: Information belongs to someone else

These are not my accounts, addresses on file, nor did I authorize these companies to pull my credit. Please remove them.
Complaint sub-issue: Can't use card to make purchases

It says I have a XXXX credit limit on my Best Buy card But then says I have no available balance & have spent XXXX on it. 

When I called to ask what it was about, the account was conveniently closed today & they can give me no reason behind it. I have been sitting on the phone for almost an hour waiting for a supervisor to answer & tell me whats going on but they keep saying they cant for privacy reasons.
Complaint sub-issue: Deposits and withdrawals

I went into my local Citibank on XX/XX/2020 around XXXX. I had the teller transfer {$100000.00} into my personal savings account. I then sat with a bank representative that took my passport information and placed a wire for me in the amount of {$100000.00} to my personal XXXX account. The wire never made it. I later found out that Citibank not only stopped the wire, but returned it and then froze my account. I called daily to ask them to unfreeze my account. They told me I had to wait 7-10 business days for a letter with a reference number. I even went back into the same branch and they called the fraud department to tell them they were the ones that initiated the wire and to unfreeze my account. I called daily to speak to a supervisor, was told one would get back to me and no one has called me. I received the " letter '' and it had the wrong name ( last name XXXX ) and it also had the wrong last 4 digits of the account number in question. I called and told them that they had made a massive mistake, gave them the reference number and my account is STILL frozen since XX/XX/XXXX. I was promised an email within 24 hours. It has been XXXX hours now. They are holding my money hostage, {$120000.00} to be exact. This is not okay. I am now having XXXXXXXX XXXX and XXXX and no one will help me. Please help.
Complaint sub-issue: Debt is not yours

I'm being harassed by mail and phone call by Jefferson Capital Systems LLC a collection agency on a bill from XXXX a phone company that I have never used in my life. Not only are they accusing me but my father because we share the same name.
Complaint sub-issue: Information belongs to someone else

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Some of these items are more than 7 years old. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Account Opened Amount XXXX XXXX XXXX XX/XX/XXXX {$2700.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$970.00} XXXX XXXX  XXXX XX/XX/XXXX {$360.00} XXXX XXXX XXXX  XX/XX/XXXX {$86.00} XXXX XXXX XX/XX/XXXX {$190.00} Hard Inquiries XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Over the past several months I have been trying to correct errors on my credit report with XXXX, XXXX & Equifax but I have not been able to get any assistance. I have been requesting investigation after investigation but nothing has been done to resolve the problem. 

According to the FCRA, the term investigative consumer report means, a consumer report or portion thereof in which information on a consumers 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 concerning any such items of information. However, such information SHALL NOT include specific factual information on a consumers credit record obtained directly from a creditor of the consumer. 

I do not make the law, its written in the FCRA. XXXX, Equifax, and XXXX have failed to do a proper investigation. Not only did they fail to do a proper investigation, they are continuing to illegally report on my credit reports..which is a direct violation of the FCRA.