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

Could you please help me, 1- I had a mortgage loan with XXXX XXXX which was paid in full after refinancing on XX/XX/2016. ( Loan Number XXXX ( Property Address XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ). 

2-Upon reviewing the 3 credit bureaus I found the home loan to be listed as late on XX/XX/2016. 

3- I have contacted the Customer Care Department at least 4 times but XXXX XXXX keeps giving me the same Letter indicating the loan was reported paid off and due for XX/XX/2016 the 3 credit bureaus need to resolve the discrepancy accordingly. I do not know what action to take any longer. I even asked for XXXX XXXX upper management for help ( XXXX XXXX XXXX XXXX ). Please see the XXXX XXXX letter below.
Complaint sub-issue: Problem with personal statement of dispute

Account was noted on my account as a chapter XXXX bankruptcy and when I requested XXXX XXXX to fix this issue with the credit bureaus they stated that they informed all three credit bureaus that the account is closed, Per XXXX and Equifax and XXXX the account is still noted with an error with a remark and comment saying account was included in bankruptcy when it was not. XXXX refuse to send me a letter stating that the account was reported in error and that it is closed so that I can forward the letter to the credit bureaus for them to report the information correctly on my credit report. this is for account to which I had a XXXX credit card that was closed by XXXX on XX/XX/2017
Complaint sub-issue: Information belongs to someone else

I have numerous fraudulent accounts on my credit report.
Complaint sub-issue: Problem with personal statement of dispute

XXXX XXXX XXXX Account is being reported inaccurately. It is current.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I sent the complaint before with my other email address and the Citi bank doesnt recognize it, So I sent complaint with my email. 

On XX/XX/2022 I had a spirit flight, who ever at the airport doesnt allow me to check in before XXXX minutes. So I had to buy another flight ticket on XX/XX/2022. After I go home I ask Citi credit card dispute the amount of {$160.00}, and then bank ask me upload the documents before XX/XX/2022 for this case. I didnt receive any email or mailing says that I need provide document, so I missed that part. And now Citi tells telling to find merchandise spirit which they arent willing to refund me back for my {$160.00}. I just feel not right, I dont even got my flight, I have to buy another ticket.
Complaint sub-issue: Account status incorrect

the credit bureau is reporting this collection as an " OPEN ACCOUNT '' which it is not under FCRA compliance. This is inaccurate reporting and needs to be deleted immediately. 

collection account on my credit report is XXXX XXXX FOR {$630.00}. 

This is being reported incorrectly as an open account. I need this removed and deleted
Complaint sub-issue: Problem accessing account

I discovered on XXXX that Citi had placed a " roadblock '' webpage after entering my correct user ID and password into both their online banking platform and mobile banking app. This road block had to have been placed within the last four days. The road block webpage required that I enter a card number for card activation. I was confused as I only use a citi credit card, and that card was in my possession, active, working and doesn't expire until 2024. I am now anxious about fraud and even more worried about gaining access to my account information to make sure someone wasn't using my card or savings account, but there appeared to be no way around the roadblock. I tried different web browsers, the mobile app, made sure correct web address, looked at citi for messages about any problems with their website, etc. etc. No luck. I'm extremely anxious now that someone has gained total access to my account ( s ) and ordered new credit cards. 

After a long and painful phone call with citi customer service, I uncover that they have blocked my access to my account information until I activate an ATM card I received when I opened an online savings account with them approximately one year ago. I had no use for the ATM card and didn't want to activate it. Why activate a card I won't use? To me that would just be opening another avenue for a fraudster to gain access to my funds. 

However, Citi decided they were willing to hold my own account information hostage in order to force me to activate one of their products that I didn't want to activate. Does that sound like a proper practice ... ... ... ..the answer is no. But their hostage taking worked, as now I have an activated ATM card and access to my account information.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I keep getting repeated text message from this company by the name of TrueAccord. SMS style messages with a link, i reply stop and I get a message back saying i have opted out of sms messages. I have gotten this same message five times from five different numbers. This is obvious harassment.
Complaint sub-issue: Investigation took more than 30 days

Investigation took more than 30 days and nothing was changed when clearly there are misleading information on my credit report ... incorrect and INACCURACIES still exist ... clearly the evidence is in black and white... attached is my 3 accounts from Self lender that needs to be deleted immediately for violating my consumer rights!!
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO LOANS OR LEASES 1. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

XXXX. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Account status incorrect

I submitted my deferral paperwork in a timely manner ( prior to deadline ) and I followed up with them several times via telephone. I was told they had the paperwork and that it was in process. I was shocked to find out that it was on my credit report. I was reassured many times that it would be processed timely and not be reported on my credit.
Complaint sub-issue: Deposits and withdrawals

Provider is refusing to let me withdraw from my accounts with them. 
Requests for transfer of funds to different organization have not been executed since XXXX and still show as pending. 
Tried calling provider multiple times, and file support tickets online, since the week of XXXX, but no reply and no support answering any calls. 
Provider is BlockFi.
Complaint sub-issue: Information belongs to someone else

As I reviewed my credit report I see the following account that are not belong in there.
Complaint sub-issue: Information belongs to someone else

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Investigation Request Letter To whom it may concern I received a copy of my consumer report in pursuit of trying to improve my consumer report and noticed an account that i wanted a little more explanation on. I am not saying that it's reporting right or wrong im saying i am not 100 % sure if it is. The Fair Credit Reporting Act gives me rights to challenge anything i am not sure is accurate. I also heard by law you have 30 days to verify this account reporting on my consumer report. 
In 15 U.S.C Sec. 1681 i ( a ) it states if you caint provide proof this account must be deleted if they are not 100 % accurate. So i would like this account properly verified and removed if there's anything missing. 

XXXX XXXX XXXX-Account # XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I recently pulled my reports and noticed you are reporting the incorrect date of last activity, term length, and incorrect payment history for account ( XXXX XXXX ). Because the date of last activity, term length, and payment history being reported by your company, XXXX and XXXX are different, this means that the account has not been properly verified. You are in direct violation of my FCRA rights of my credit report being 100 % accurate, the information is coming from the same data furnisher, therefore all the information being reported should be the same across the board. This account is being reported with inaccurate information is actually violating my FCRA rights, which means this the information being reported should be the same across the board and be 100 % accurate or you are subject to {$1000.00} per violation. Delete this account immediately!
Complaint sub-issue: Information belongs to someone else

Equifax is purposely disobeying the FCRA 605 ( B ) Laws. Equifax has received all the necessary documents on my behalf to validate my identity being stolen, in relation to a fraud account and fraud inquiries showing on my report. Equifax staff members verbally said they received the documents on XX/XX/2019 and thus far have not blocked the said creditor or inquiries ... today XX/XX/2019 staff member verbally said to me that they just initiated a new dispute for this account.. so what have i been waiting for these past 30days? nothing? ON TOP OF THAT, THIS ACCOUNT HAS BEEN LEFT ON MY EQUIFAX REPORT LONG ENOUGH FOR A NEW BALANCE TO REPORT, THE BALANCE GOES FROM XXXX BUCKS TO XXXX BUCKS, THE THIEF HAS MAXED OUT THE FRAUDULENT CREDIT CARD ACCOUNT AND NOW IT HAS RUINED MY OVERALL UTILIZATION, THIS IS HORRIBLE! And your not disputing the inquiries even tho they've been added into my recent police identity theft report? ... Makes no sense. They are willfully going beyond the legal statute of days having to block all the information resulting from alleged identity theft, not later than 4 business days of receipt. As stated under the FCRA 605B ( 15 U.S.C. 1681c-2 ) They are clearly breaking laws, I have been on phone calls stating the obvious that this is incorrect and i should not have to wait a total of 30days or more for you guys to block these accounts as a valid fraud investigational dispute works differently than the normal disputes. They have totally disregarded the laws morality and my own anguish, so I thus have been forced to keep fraudulent accounts & inquiries on my profile through their own discretion.
Complaint sub-issue: Report provided to employer without your written authorization

Citi Bank XXXX XXXX, XXXX, XXXX and XXXX  XXXX XXXX XXXX have inquiries that were not authorized reporting to my credit reports
Complaint sub-issue: Problem during payment process

I logged into my Citibank online account on   XXXX     and made an online payment for {$150.00}. My payment was due on   XX/XX/2017 .  On   XXXX     I noticed that they never removed the money from my checking account, so I logged into my account and saw that their website did not process my payment. So I made the payment immediately. Citibank charged me a late fee of {$25.00} on  XX/XX/2017.  I have requested that they remove this fee since it was an error on their website and I have never had a late payment before. They have refused to remove the fee even though I did log in and make the payment on  XX/XX/2017   . It is not my fault their website did not process it.
Complaint sub-issue: Information belongs to someone else

FCRA violations : inquires not mine XXXX XXXX, XXXX Dispute this Address Date of inquiry 1 XXXXXXXX XXXX XXXX XXXX  XXXX, NY XXXX XX/XX/XXXX FCRA violations : accounts not mine XXXX & XXXX XXXX XXXX XXXX account details Account owner Individual Account XXXX reported XX/XX/XXXX Account status Unpaid Original Creditor XXXX Date assigned XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX View account details Account status Age of Account Late payments Closed 4 years 6 months 6 days 4 XXXX XXXX XXXX XXXX  : XXXX View account details Account status Age of Account Late payments Closed 3 years 11 months 25 days 6 XXXX XXXX XXXX XXXX  : XXXX View account details Account status Age of Account Late payments Closed 3 years 2 months 25 days 3 FCRA violations : payments never late XXXX XXXX XXXX XXXXXXXX View account details Reported balance Actual payment amount Date of last payment Past due amount Account status Date reported {$840.00} XX/XX/XXXX Pays account as agreed XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX View account details Reported balance Actual payment amount Date of last payment Past due amount Account status Date reported {$5.00} XX/XX/XXXX Pays account as agreed XX/XX/XXXX XXXX XXXX XXXX  XXXX View account details Reported balance Actual payment amount Date of last payment Past due amount Account status Date reported {$380.00} {$480.00} XX/XX/XXXX Pays account as agreed XX/XX/XXXX XXXX XXXX XXXX  : XXXX View account details Reported balance Actual payment amount Date of last payment Past due amount Account status Date reported {$510.00} XX/XX/XXXX Pays account as agreed XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX : XXXX XXXX account details Reported balance Actual payment amount Date of last payment Past due amount Account status Date reported {$260.00} XX/XX/XXXX Pays account as agreed XX/XX/XXXX XXXX XXXX XXXX XXXX : XXXX XXXX account details Reported balance Actual payment amount Date of last payment Past due amount Account status Date reported {$1900.00} XX/XX/XXXX Pays account as agreed XXXX XXXX XXXX XXXX XXXX View account details Account status Age of Account Late payments Closed 5 years 5 months 17 days 6 XXXX XXXX  : XXXX View account details Account status Age of Account Late payments Closed 5 years 1 month 13 days 4 XXXX XXXX XXXX  XXXX View account details Account status Age of Account Late payments Closed 2 years 8 months 10 days 4 XXXX XXXX XXXX XXXX View account details Account status Age of Account Late payments Closed 1 year 2 months 11 days 1 Other ( XXXX ) FCRA violations : addresses not mine Previous address XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dispute this Previous address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dispute this Previous XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dispute this Previous address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dispute this
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I used my XXXX XXXX card to purchase a service from XXXX XXXX XXXX   ( XXXX ) in XX/XX/XXXX. For {$2500.00} they were to provide my father ( this was a gift to him ) with four dates within a six month time period.

After six months XXXX had failed to provide my father with any dates. I requested a refund of the money three times. After I got no response from XXXX I contacted XXXX XXXX and told them the story and they agreed to dispute the charge on my behalf and credited my account back for the money approximately XX/XX/XXXX.

In XX/XX/XXXX the {$2500.00} charge reappeared on my card. I called them to ask why and they claimed that I had received " services '' from XXXX. I argued with them that I had not and they stated that they " could not help me '' because of the " cancellation policy '' in the contract. I pointed out that the merchant had failed to honor XXXX terms of the contract. They refused to remove the charge and I am now forced to pay for a service that I ( really my father ) never received and never will.
Complaint sub-issue: Trouble with how payments are being handled

I have been trying to contact FedLoan Servicing for a request of information on my account for the past month and half. I have called them multiple times through their XXXX number and have been told I would receive a call back later. I called on XX/XX/XXXX, XX/XX/XXXX, and twice today. In addition, I have contacted them via their email request and have not heard back from them ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). I also filed a complaint with the Federal OMBUDSMAN and have received no notification or message about my request. I have also submitted my IDR request with proper documentations on XX/XX/XXXX and am still waiting for a reply. However, when I submitted my IDR request on XX/XX/XXXX, I received results on XX/XX/XXXX. It baffles me how I can contact XXXX about the XXXX  and not receive any information or feedback, but when I submit paperwork that pertains to payment plans, they are quick to calculate and reply back. 

I have been placed in forbearance for times in which I was in school, but yet still working at approved XXXX employment. I did not receive notice that I was being put in forbearances and when I spoke to XXXX in XXXX of XXXX, I was assured that my employment while going to grad school was going to count towards my XXXX. I am now finding out, that they in fact are not counting it and will not reply to any of my emails or calls to speak about the issue. I would like to file a complaint on XXXX giving out false information over the phone, lying about my eligibility of the XXXX, as well as refusing to contact me about my account. This is absolutely unnecessary and outright robbery. I do not believe they have the best practices for consumers.
Complaint sub-issue: Their investigation did not fix an error on your report

In accordance with the Fair Credit Report Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681XXXX XXXX XXXX XXXX XXXX XXXX 1

5 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C. 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Personal information incorrect

I have a membership family premier plan with Equifax credit Bureau, where my credit suppose to be monitored for a monthly payment of {$29.00}. The payment always been withdrawn from my bank account, I do have access to use equifax online services only to view my credit report but not to file or check a status of dispute, that shouldnt be, it shouldnt be a restriction in my account. Everytime, my personal information always been rejected by equifax online dispute center.I occasionally raised the issues to Equifax, unfortunately the issue never been resolved.
Complaint sub-issue: Deposits and withdrawals

They referred me to try to use their product online and not the amount telephone so now all my time that has been wasted trying to link the account together and now I will try online
Complaint sub-issue: Information belongs to someone else

To : Whom It XXXX concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/2018 with a balance of {$13000.00} -This is not my account.
Complaint sub-issue: Their investigation did not fix an error on your report

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

I 'm a US citizen staying in XXXX, and because of a recent burglary, my identity was stolen and used. I was advised to report this to the credit bureau, Equifax through the phone. I called the Equifax number : XXXX but the automated system does n't take foreign address or phone number. It requires me to mail in my request and that will cause delay to set up the fraud alert.
Complaint sub-issue: Debt is not yours

The company by the name of True Accord has been sending me emails frequently about a loan account that they stated I have a balance of and owe. I sent them a letter requesting that they validate this debt that they say I owe. The letter arrived on XX/XX/XXXX & the company signed for the document.I 30 waited days to give them time to investigate. They had until XX/XX/XXXX from the date they received it to send me documentation that this debt is mine. They never responded within that 30 days or provided any evidence .Where is the documentation? I have reached out to XXXX  who True Accord is saying they have verified this account with. I have no idea of this account and it is negatively affecting my ability to qualify for a home loan!! How are you verifying this account? They're clearly in violating under the FCRA. I will file a suit if this isn't corrected by the law
Complaint sub-issue: You told them to stop contacting you, but they keep trying

In spite being told to stop contacting my friends and family about my debt they continue to call them. We are working to correct the debt but they wont listen and badger my family about other contact information.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been having an ongoing problem with   XXXX   for the last year and a half, the more I fix my credit and increase my score, I have noticed each time they will go back in, find an old deleted or removed account and place it back on my credit report but they will just put it in a different catergory as if the consumers wo n't notice, this has happend to me at least five times, they have now taken an account that was removed and deleted from my report and placed it back on there but under Collections now, but item was removed awhile back, Equifax and   XXXX   just follows  XXXX  and whatever they do they follow, the Items I 'm speaking of is   XXXX   XXXX   item was deleted from my report but have been placed back on by  XXXX , this has. Even going on for several years now.