Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status

I have a XXXX collection in my accounts thati am not liable for & should be closed and deleted off also I have a utility for XXXX $ that has been over 8 years and is closed and should be removed also XXXX in my account for collection was deleted do n't understand why its still there also would like to have my inquiries removed and update address to XXXX XXXX XXXX can XXXX also have XXXX student loans from XXXX XXXX that have been closed and not bad history for 8 years and still have n't been removed please remove thankyou
Complaint sub-issue: Their investigation did not fix an error on your report

These three credit bureaus are causing me physical harm with there reportings of negative and hard inquiries all over my credit report. They removed these inquiries after our first letter then they added back these negative inquiries which caused my score to drop tremendously in the middle of a deal. These are law violations, privacy violations, through multiple channels : Federal credit laws including the Truth in Lending Act ( TILA ), the Fair Credit Billing Act ( FCBA ), the Equal Credit Opportunity Act, the Fair Credit Reporting Act ( FCRA ) 609 of the FCRA or Fair Credit Reporting Act, and the Fair Debt Collection Practices Act ( FDCPA ) .. laws that govern reporting of this nature I am requesting an authorization document showing I gave consent to report my personal information publicly. Your reporting is causing me major compensation that I intend to retrieve. If you fail to resolve this issue. My next step will be an audit and notifying all the above channels of your actions along with the Department of Transportation.
Complaint sub-issue: Can't close your account

Citibank has charged me late fees for statements I'm not receiving. I've attempted on multiple occasions for my address to be updated as I recently moved to another state, yet they refuse to update my current address and refuses to close my account. The account is paid in FULL with a credit of {$570.00} owe to me, yet they will not close my account or credit my account for late fees. I've spoken to multiple supervisors, managers, and the issue remains.
Complaint sub-issue: Debt was paid

This account was settled today for {$3500.00} and this matter needs to be closed at Citi bank and closed on my credit report. Please leave this CFPB complaint open until both things have happened and my credit report is reflected of this change.
Complaint sub-issue: Information belongs to someone else

I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. I am doing this on my own behalf.
Complaint sub-issue: Account information incorrect

This was a credit card which was opened and used fraudulently and when I reported this to Macys they investigated and agreed to close the account and all charges were considered fraud. Now I see this account as a debt and charged off which is totally misrepresentation of facts. I was categorically advised that final determination of the investigation was that these were fraudulent charges. I will be filing a legal remedy in this matter as well if this si not corrected on my credit report.
Complaint sub-issue: Problem with statement of dispute

Equifax, refuse to delete these unauthorized and fraudulent inquiries from my credit report even after sending them documents from the companies stated that they have no records of this inquiries. 

I spoke with Selly from Equifax fraud department on XX/XX/2016 to get this issue resolved, she stated that no matter how many letters I send, they will not remove these inquiries and she put the burden back on me telling me to contact the company who placed the inquiries on my credit report which I have already contacted and still they were not able to verify these hard inquiries and sent response letters to me that I uploaded and also sent to Equifax copies and they still will not delete the hard inquiries.
Complaint sub-issue: Reporting company used your report improperly

Accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have a 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: Credit card company isn't resolving a dispute about a purchase on your statement

This is a continuation of a previous CFPB Complaint under Case # XXXX. Please refer it for detailed background description. We are very satisfy with the XX/XX/XXXX letter response from XXXX XXXX of Citi Execute Response Team. The letter is attached for your reference. 

However, the XX/XX/XXXX charge in dispute is reappeared on our bill on XX/XX/XXXX. The statement file is attached for your reference. During the period of XX/XX/XXXX - XX/XX/XXXX, we received ZERO communication from Citi. From XX/XX/XXXX to now, we have made numerous phone calls to Citi and received ZERO promised return phone calls. This is in direct contradiction of the statement in XXXX XXXX letter : " Should the merchant provide documentation to support their claim, we will contact you at that time to discuss the details of their response. '' As we are the direct witness of the Merchant misrepresentation, any falsified documents or statements from the Merchant in this dispute can be easily uncovered by us. All it needs to take place is for the Citi investigator to communicate with us during the dispute, just as XXXX XXXX stated. The promise from Citi executive team is nice, but it seems that it doesn't translate into actions for its investigators. 

Based on our experience, Citibank has many good people working hard to do the right things for its cardholders. But its investigation team appears to have the culture of ignoring or presuming guilty on claimants. They make the Citi slogan " Citi is with you before, during, and after every purchase '' a bad joke.
Complaint sub-issue: Information belongs to someone else

I was a victim of Identity theft. I submitted documents here and to the credit bureau. I just had to obtain a new driver license number because someone is using my name everywhere. I was just informed that XXXX XXXX had a data breach and my information was stolen as well on XXXX XXXX 2021. In XXXX someone surrendered my XXXX  license for a XXXX ID. I have been forced to live like this I would like for the credit bureaus to remove my disputes. I have sent in all my personal information correct name and address and XXXX and XXXX will not update my information. Even according to XXXX my information is everywhere. My name should read as follows XXXX XXXX XXXX my name is not XXXX XXXX.
Complaint sub-issue: Was not notified of investigation status or results

I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 37 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Complaint sub-issue: Information belongs to someone else

I have submitted multiple disputes to XXXX to advise the accounts listed are not mine. I have even provided a police report. The report has been damaged as I was in the direct path of Hurricane Michael but I sent what I had and they refuse to remove these accounts.
Complaint sub-issue: Reporting company used your report improperly

Income reported on credit report
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/XXXX I sent a letter to all three bureaus reporting inaccurate and unknown things on my credit report but to this day nearly two months later I have not received a response yet. I was told maybe you can help me. It's three different bureaus and the fact that none of them even took the time to respond to me makes me feel like I'm being taken advantage of and basically ignored. Section 511 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It's  currently XXXX so I ask that they please go ahead and delete those items. I demand these accounts be deleted immediately or I will file for litigation due to the blatant neglect you all have shown me. My information was also impacted by the Equifax data beach which caused some of my information to possibly get into the wrong hands. So this current neglect is only adding fuel to the fire. Please remove these items immediately
Complaint sub-issue: Threatened or suggested your credit would be damaged

This letter is a formal compliant that you are reporting and incomplete credit information. 
According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

I demand that the following accounts be verified or removed immediately :
Complaint sub-issue: Account information incorrect

In XXXX I went to pay my lease payment and my account stated it was paid for so I called XXXX telling them that a payment was applied to my act. They stated that it was paid and that I had an extra payment. I thought it was funny. I kept an eye on the account. When I got a bill by mail stating a double amount I immediately called and they said the payment was reversed bc it was applied to the wrong act. They apologized and I immediately made the payment. They indicated and they said its recorded that it was their mistake and that it will not be reported. Well I have my credit monitoring since I have good credit and they reported me late. I called them and asked them to check their notes, I have left messages, I sent them a phone call request through XXXX XXXX website, I have yet to hear from anyone. I have disputed this 2 x and they keep saying is correct. I even asked for the fax # to their legal department. I am not going to allow them to XXXX me like that after I am a single parent working myself with 2 jobs and making sure my debts are paid and on time. I do not know what else to do. Its not fair. I have cried because company like this one do mistakes and nothing is done and then they XXXX us up. 
I need this to be deleted out of my credit report, as this is the only thing that is on my report negative and it was not me, they should be able to teach their employees how to apply payments to the right account and on my recorded call, I told them are you sure they said yes, they are sure. I need help. Please.
Complaint sub-issue: Account information incorrect

On or about XXXX XXXX XXXX  pulled a soft credit inquiry from Equifax for 3 of my credit card accounts and based on this information my credit lines were decreased drastically. Equifax reported my credit score at XXXX on XXXX. I called the credit card department at XXXX and found the information they were using was incorrect because they based the decision on these three things. Balance owed on revolving accounts too high and i only have 20 % credit use on my credit cards per Equifax. XXXX also said Balances on accounts are too high compared to credit limits and per Equifax of the XXXX  accounts only two have a balance the remainder is XXXX balance. The last issue per XXXX the number of accounts in use is an issue. Equifax is reporting only two  accounts out of XXXX have a balance. I spoke to XXXX and because they decreased my credit limit on erroneous information the only way to fix what they broke I have to submit to a hard inquiry which will stay on my credit report for two years. I was told even then there was no guarantee which is essentially a no win situation because the credit inquiry will be mine to own for the next two years do to no fault of my own.
Complaint sub-issue: Their investigation did not fix an error on your report

I filed a dispute with all three bureaus Equifax, XXXX, and XXXX. I have a Bankruptcy that was discharged XX/XX/XXXX almost 9 years ago. I've been steller since this discharged. My XXXX  dispute concluded and deleted Docket # XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX, WI XXXX, ( XXXX ) XXXX. 

However, it only took XXXX  2 days and stated my case won't be removed. I submitted XXXX  decision regarding the deletion of this file. XXXX   should have followed suit because the same information was given to all 3 bureaus. XXXX  stated it would be removed on XX/XX/XXXX. 

As a consumer, my credit report should be legally reporting the same information. This Docket should be removed from all 3 bureaus. Please help
Complaint sub-issue: Their investigation did not fix an error on your report

I have made several disputes for accuracy verification regarding the reported account XXXX XXXX # XXXX with the CRA, Equifax with the most recent on XX/XX/2020, resulting in a response from Equifax, this creditor has verified that the date is being reported correctly. Equifax does not say what date is being reported correctly, nor do they respond to the specific items that were outlined in my dispute on XX/XX/2020. 

The CRA, Equifax knows, the information in my file must be complete and accurate, and verifiable, otherwise it must be deleted. This is made clear in FCRA Sect 611. I asked Equifax to remove this tradeline because they were repeatedly reporting unverifiable information. As of XX/XX/2020, this account ( XXXX XXXX ) is missing the date of last activity, credit limit, high credit amount, charge off amount, and date of major delinquency. All of this information is required for accurate reporting. 

I am in the planning process of applying for a mortgage and have rights under the Fair Credit And Reporting Act that Equifax is violating. 

Equifax response to my dispute regarding missing information with respect to XXXX XXXX ( aka XXXX ) is that this creditor has verified that the date is being reported correctly. This is a direct response form Equifax. ( see attached ). They have completely ignored all of my disputes regarding this matter and, instead, have merely updated my report with a random reply unrelated to my original dispute. 

It appears that their response is a result of not providing me with proper investigation processes as required by Federal Law or a blatant fabrication. Instead of deleting the account, as required as the necessary remedy, at this point, they have instead, kept the account on my file with incomplete information.
Complaint sub-issue: Their investigation did not fix an error on your report

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX Balance : {$80.00}
Complaint sub-issue: Information belongs to someone else

I received two letters ( attached ) in the past 6 months indicating I requested an account with XXXX XXXX. Rest assured I did not, so please close any accounts you have on file remove my request and remove the inquiry with Equifax credit reporting bureau Immediately. DO NOT process or proceed any account information. If you have a question replay to THIS email only or call me. There's been a lot of FRAUD during COVID-19 but I don't intend on being a victim. Thank you for your time and expedient action in the matter. 

Best regards, XXXX XXXX
Complaint sub-issue: Old information reappears or never goes away

I've tried several attempts to resolve this matter with the company listed below. After several attempts I have been forced to file a police report and also seek legal advice against the account listed. 

In addition please find attached a copy of the police report and DC number that was provided to me when report was filed. In addition I would like these accounts to be removed from my credit report. As I have asked before. These accounts are part of fraud and should be removed from my credit report immediately.
Complaint sub-issue: Problem lowering your monthly payments

XX/XX/XXXX - Applied for PSLF because I started working for a XXXX XXXX and noticed that I now qualify for this as long as I remain at a XXXX  for 10 years ( 120 consecutive payments ) XX/XX/XXXX - spoke with a representative about my options with repayment that was going to come up in XX/XX/XXXX, once my forbearance was over. I was informed that my monthly payment could be roughly {$620.00} a month because of my family size and our income. NOT taking into account of our other obligations, medical expenses because my husband has XXXX XXXX, household expenses ( mortgage / electricity / oil ... etc. ) credit card and other student loan and personal debit XX/XX/XXXX - recertified my income based repayment schedule family of three, found out I was XXXX with XXXX, also help support my parents who are now approaching their XXXX because they help watch my daughter during the day while I am working XX/XX/XXXX - payments began in the amount of {$420.00} a month. This is the lowest that they could have done for payments for our family and income. They did not consider the fact that I have private loans with XXXX and a house and medical life expenses. 

I began making monthly payments since XX/XX/XXXX, trying to break it up into two to three payments within the monthly period. This is nothing but a stressful struggle. I reached out asking if there was anything else that could be done to lower this a little more, but did not get anywhere. 

Tried to consolidate and reduce my monthly payment for the two student loan lenders combined and was denied because of debt to income and the little amount we have available in our savings. 

I have asked numerous times if we could get the payment down to around {$300.00} a month, a little more reasonable living in CT and paying such high taxes, but no one is willing to cooperate with me.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

All my inquiries have been hard pulls and its affecting my credit I got a full credit report and dont recognize none of these inquiries done by me
Complaint sub-issue: Information belongs to someone else

This is my SECOND endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES
Complaint sub-issue: Account status

XXXX XXXX XXXX is still reporting the intitial file against me. I counterfiled and won and the case was dismissed in my favor. I attached the results. Please remove this XXXX Public Information from my credit file.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXXXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Complaint sub-issue: Their investigation did not fix an error on your report

This is my 3rd complaint dealing with these credit bureaus and them not fixing the incorrect info and accounts on my report that are from identity theft and fraudulent. My whole identity has been stolen to the point that someone has been living as if they were me even filing bankruptcy in my name to start over and keep getting more fraudulent accounts in my name. I have gotten some of the stuff removed but there is still two accounts and the bankruptcy that remain. I filed a police report and identity theft report as well as sent the bureaus everything they have asked of me to verify it is me requesting this and still NOTHING. They even erased a credit card account that WAS actually mine but not the fraudulent accounts.
Complaint sub-issue: Application denied

Credit Karma e-mailed me on 3 separate occasions telling me that my approvals odds were excellent for getting a personal loan and a new credit card. I applied to 3 different places for a personal loan that they recommended and said I had outstanding approval odds and got denied by all 3. I also applied to a credit card that they said I had outstanding approval odds for and again got denied. This has affected my credit score to drop because of them lying to me.