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

I am submitting another CFPB complaint to follow up any response from you after the 30 days of investigation. As I revived my Credit file I have noticed that there are still items that are reporting as inaccurate and incomplete in information. 

Please conduct another investigation to the following information and send me the notification that the disputed items have been deleted. 

XXXX XXXX XXXX XXXX : {$430.00} How many times do I have to point out that this account 's payment history is inaccurate and deceptive? I have been contesting for the removal of the late payments from this Account 's payment history in order to repair this account, but you have done nothing. Please entirely remove the past-due payments from this account. 

XXXX XXXX XXXX Balance Owed : {$0.00} You continue to list this account as being past due despite the fact that it has been closed and has no balance. Credit Reporting must be accurate in accordance with the Fair Credit Reporting Act. How can you incur late fees on a closed account with a {$0.00} balance? I need you to entirely remove this account from my credit report or to remove the account 's history of late payments. 

XXXX XXXX XXXX XXXX : {$160.00} I can't possibly be late with this account report 's dates. I've been maintaining a separate record of payments, and their information differs from mine. Credit Reporting must be accurate in accordance with the FCRA. I ask that you either totally delete this account from my credit report or erase the late payments from the account 's payment history. 

XXXX XXXX XXXX XXXX : {$2600.00} Accounts with chargeoffs must indicate a XXXX balance! Since there is no question that this account is a charge-off, how could you record it with a balance of {$2600.00} if it is a charge-off? I've been asking you to clear the balance and update the account 's payment history, but you've remained silent. I'm asking that you immediately delete this account from my credit history.
Complaint sub-issue: Information belongs to someone else

I have been a victim of identity theft the following accounts have not been authorized nor have i given written consent. All of the accounts are indeed fraudulent and they are damaging my reputation and is a infringement of my privacy. please see attachment and remove all accounts listed.
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 {$3000.00}. 
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/2019 with a credit limit of {$3000.00} -This is not my account.
Complaint sub-issue: Their investigation did not fix an error on your report

The following unverified item is being reported in violation of federal law. 
XXXX XXXX They are required under the FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) to have a copy of the original documentationon file to verify that this information is mine and is correct.
Complaint sub-issue: Information belongs to someone else

I previously disputed an item regarding XXXX that was fraudulently placed upon my XXXX  Equifax and XXXX  credit reports. The item was removed, this morning I received notice that a debt collector, XXXX had once again placed the debt collection against my credit report in violation of The Fair Credit Reporting Act and The Fair Debt Collection Practices Act without sending me notice, a debt validation letter or an opportunity to dispute the debt. Please find submitted with my complaint an updated identity theft notice with The FTC, notice of dispute and lawsuit filed by The CFPB against XXXX for engaging in this type of misconduct. Once the item is removed or deleted it can not be placed again on my credit report.
Complaint sub-issue: Information is missing that should be on the report

In a recent copy of my credit report ( Confirmation # XXXX ), Equifax reported no payment activity during a XXXX year period ( XXXX XXXX XXXX ) on any of XXXX credit cards I have. 

In addition, a high credit balance that significantly exceeds the credit limit does not correspond with the period for which monthly balances are provided by XXXX, while XXXX XXXX  XXXX and XXXX XXXX report high credit balances exponentially greater than any balance reported in the XXXX period under review and for which monthly data is reported.
Complaint sub-issue: Transaction was not authorized

On XX/XX/2020 and XX/XX/2020 PNC Bank charged my account XXXX each time without telling me they would do so. They said I signed an agreement 6 years so saying they might do that but haven't produced the agreement. They started these charges right in the middle of the pandemic. Grossly unfair. I contacted them on XX/XX/2020 ( XXXX XXXX and XXXX XXXX ) and they said there is nothing they can do. If it started in normal times I would have noticed right away but these are NOT normal times. Companies should be trying to help consumers, not hurt them, during this time. They said I received emails on this but they never tried to call or send a letter or anything.
Complaint sub-issue: Investigation took more than 30 days

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

My Macy 's credit card has reported a late payment and has ruined my credit score by more than a 100 points, I have tried to get in contact with someone regarding this issue but they would not help me. I was not aware of charges on my card account, and I had made a return that should have completely covered it. In addition, when I was in the store and asked an employee to check my balance, they told me I did not have a balance thus I was not worried about it. Until I opened my credit score and noticed a huge score drop. This is unethical, in difficult times like this, I can not have my credit ruined over a very small transaction. I was unaware, and even after checking with an employee I was given incorrect information. I would like to dispute the late payment.
Complaint sub-issue: Public record information inaccurate

I have contacted all 3 bureaus in regards to inaccurate public information being reported. They are reporting a Bankruptcy and IRS LIEN which are not mine. I have sent numerous letters and made numerous phone calls to no avail.

Here are the following dates in which these two items have been addressed : XXXX XXXX XXXX
Complaint sub-issue: Problem with product or service terms changing

CFPB and FTC recommend credit freezes with the credit bureaus in response to the Equifax data breach. Yet, CFPB and FTC do n't realize that they charge a {$10.00} fee. That is insulting, especially with Equifax and their data breach. Equifax stands to profit at least {$1.00} XXXX in credit freeze fees from the estimated 143 million people impacted in their data breach. That is just Equifax. Transunion and Experian will also profit from Equifax 's poor cybersecurity and stand to each make {$1.00} XXXX, too. How in any world is that right for at the very least Equifax to profit by charging a credit freeze fee for their mistake? My wife and I will have to dole out {$60.00} to put freezes with each credit bureau.
Complaint sub-issue: Non-sufficient funds and associated fees

I noticed my daughteres savings account went from approx 15k to XXXX within 6 months or so and my statements were being mailed to another address not in the city the account was opened in. I went to the bank and called fraud department to facilitate/resolve as well as called the fraud department who noted and advised me to visit the brick and mortar to no avail for over a year now despite the fact that i provided police reports ect. I just kept getting the run around/miscommunication & told it was me who committed the fraud from a so called reputable bank that prides itself on integrity. 
Each meeting/called was only to delay the time so they could continue to deny replacement of the funds stolen by the offender. I provided the name of the offender/hacker as well with supporting documents such as police reports ; which where disgarded leaving my daughter'e saving depleted and now and overdrawn balance that has been referred to creditors harassing me. I just stopped utilizing the accounts ans was told by the US Bank branch manager that i would not be charged nor account closed because it was fraud related, which was not true & created debt and unwarranted negative reports on my credit. 
I then tried to go to two other branches who acted but then i referred back the branch that i initially opened my daughters accounts. They said that if they wanted to refund my monies they were the only ones that could. So i was left with nothing once again/hopeless/ I then reach out to the regional mananger who acted as if they were concern only to cahoot with the branch manager. i also ask did they need me to send police reports etc. but they had no interest and told me to do what i had to do. 

Overall, my daughter college savings has suffered and now we are in debt owing the banking institution we trusted. Causing us to see assistance via your portal.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2019 I have received a voicemail from Citibank that there is suspicious activity on my credit card. After checking the charges, I discovered there were numerous unauthorized charges starting with XX/XX/XXXX. I immediately called back Citibank to dispute the charges and to lock my card. I was assured to not to worry that there will be an investigation. On XX/XX/XXXX of XX/XX/2019I have received a phone call from Citibank that notified me that they will not dispute the charges and that I am responsible to pay for them. They do not want to dispute them because they charges were made using a chip. After this I decided to notify the police and have asked Citibank to provide me with a breakdown of which transactions were made using a chip and the time and place of each purchase, they had never fulfilled that request. When I went to file the police report I advised the police the reason I waited so long was because I wanted to provide them with a breakdown of everything to investigate but after numerous calls and pleads Citibank did not provide this information. Citibank kept on blaming it on anther department and after speaking to a supervisor they advised me that this information is unavailable to be shared with me. I have pleaded with Citibank again, but they keep on coming to the same conclusion. I had money stolen from my account at a Citibank location from their ATM and at that time somehow the issue was resolved, and the chip was duplicated. They do not want to acknowledge that at this instance it was possible. This was a separate matter and was resolved as I describe it in my letter to Citibank. Please help me resolve this dispute. I am a single mother, and this is a lot of money to me. I can provide a lot to my daughter with this money and instead of I need to pay it back with interest. I do not want to be harassed by collection agencies if I stop paying. Citibank threatened me I must pay them as stated in their response letter. I believe they do not respect me as their customer and did not perform their investigation to the best of their capability. Please help me. Attached is my recent correspondence with Citibank and the police report.
Complaint sub-issue: Account status incorrect

I am a victim of identity theft. For the past 12 months, I have sent multiple letters to the 3 credit bureaus ( XXXX, Equifax, XXXX  ) with no luck. 

As of XX/XX/XXXX, My credit report shows inaccurate information. 

My SS, driver license information was illegally used to open multiple unauthorized accounts under my name. 

My bank ATM/Debit card was cloned/stolen and was used for unauthorized transactions on multiple occasions. 

For this reason, I was forced to change my cell phone number, close all my bank accounts, notify the IRS, all credit bureaus, and notify the respective authorities. 

I did not authorize any transactions on rafter this date, and I did not authorize anyone else to use my ATM/Debit card in any way. 

I am notifying you, according to the Electronic Fund Transfer Act, and implementing Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 205, of my lost or cloned/stolen ATM/Debit Card and unauthorized transactions. See especially 12 C.F.R. 205.6, 205.11. 

I request that you investigate any unauthorized transactions involving this card, including but not limited to the following : List of unauthorized transactions. 
I am attaching a copy of each of the following documents to this letter : 1. A  copy of my Identity Theft Report which includes : my FTC Identity Theft Report IRS Notice CP01 Police Case/Report I am requesting that you remove this information from my credit report. 

Please also notify me in writing of the results of your investigation or if you have any questions regarding this notice or my requests. 

As applicable please send me written confirmation that you removed this information from my credit report. 

Account Number : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  Current Creditor : XXXX XXXX XXXX  Balance : {$0.00} Account Number : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX  Merchant : XXXX Original Creditor : XXXX Current Creditor : XXXX XXXX XXXX, XXXX Balance : {$0.00} Account Number Ending In XXXX File XXXX Creditor : XXXX XXXX  Current Creditor : XXXX XXXX XXXX, XXXX. 
Balance : {$0.00} Account Number : XXXX Original Creditor : XXXX XXXX XXXX Current Creditor : ( XXXX ) XXXX    XXXX XXXX A DIVISION OF XXXX, XXXX Balance : {$0.00} Account Name XXXX XXXX XXXX Account Number XXXX Account Type Credit card Status Transferred, closed. 
Status Updated XX/XX/XXXX Balance : {$0.00} Thank you for your help.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.
Complaint sub-issue: Unable to receive car title or other problem after the loan is paid off

My car Title from the NY DMV shows a Lien from Citibank. l have had this car from XX/XX/XXXX and can not recall my borrowing or pledging the title for a loan.l have contacted Citibank as well as XXXX XX/XX/XXXXand neither of them have any records of loans to me against this vehicle..l then contacted My Title Support, com for assistance but their response again showed that there was no account.l therefore need a Release of Lien or a Letter of No Interest so l can produce this as evidence that there are no liens on my car TitleI have exhausted calling and faxing to different agencies in the hope of getting this resolved but unfortunately l have been unsuccessful ... I need Help
Complaint sub-issue: Debt was result of identity theft

IC SYSTEMS COLLECTIONS I am writing to request that this account collection placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), This is not a request for validation.
Complaint sub-issue: Account information incorrect

My compaint is against Equifax, XXXX, and XXXX. They are all still reporting a derogatory tradeline under my consumer reports after the creditor agreed to delete the tradeline from my social security number. 

In addition to this, Equifax, XXXX, and XXXX are reporting conflicting info on the alleged loan balance. 

Equifax and XXXX are reporting an open negative tradeline from XXXX XXXX XXXX with a {$18000.00} balance. XXXX is reporting an open negative tradeline from XXXX with a balance of {$19000.00}. 

The payment status is also inconsistent between these three credit bureaus. What is going on here???? I am again asking them to delete the tradeline they are reporting for this company. They should no longer be reporting something that even the creditor has requested them to delete. 

If Equifax, XXXX, and XXXX fails to delete the tradeline, I will be seeking {$1000.00} per violation and they will have to show up to a venue local to me to defend themselves for violating the FCRA.
Complaint sub-issue: Problem during payment process

I asked CITI in XXXX to stop automatic payments and they accessed my account 4 times after. I called again to warn them to quit committing fraud on my account and they said they would stop and reverse fees. I still have received no payment for unauthorized transactions.
Complaint sub-issue: Old information reappears or never goes away

On XXXX of 2021, I mailed a letter demanding for all 3 credit companies to update my correct name and home address. I also sent a copy of my social security card and driver 's license with correct information. I demanded them to remove all incorrect address and name. Which they file to do so.
Complaint sub-issue: Talked to a third-party about your debt

On Tuesday XX/XX/2021 at XXXX from XXXX calling me regarding proceeding office said a complaint had been filed against me. I told her I was unaware of what she was talking about. A few minutes later my wife called me and said someone had called asking for our daughter ( XXXX XXXX XXXX said they had a complaint against her and then they ask for me ( XXXX XXXX ) to make the long story short this cause a a big family mess because my called my daughter which is in school got her very upset my wife was thinking she had to sneaked and took out a loan which was not the case. I then called the number XXXX gave them the # XXXX and spoke with a XXXX XXXX and asked him why was they calling asking for my daughter he told me that sometimes they will even reach out to neighbors and other family to reach a person this is a violation and he would not give me the address of the place he was calling from, he said he couldnt give out that information. Also he stated that this under the ( FDCPA ) can not threaten leal actions and at the end he said legal actions will be taken. This phone call was made on XX/XX/2021 at XXXX a.m. from XXXX. Please follow up with this and let me know the outcome thanks so much
Complaint sub-issue: Information is missing that should be on the report

This is the XXXX time that I have contacted these two reporting agencies and I'm disappointed in the lack of integrity that these people take to hold our credit reports! FIX THIS ASAP! I've paid PERFECT payments since XX/XX/2018 and you need to report this on my credit!!! My score has dropped since you stopped reporting it! So put this back on now! I have PROOF that this account is {$5000.00} limit and I've made perfect payments since opened! So report it! TransUnion is reporting it so YOU NEED TO REPORT AS WELL! ACCOUNT # XXXX XXXX XXXX  {$5000.00} limit
Complaint sub-issue: Card was charged for something you did not purchase with the card

I received an alert call from Citi fraud department on XX/XX/18. I was informed that there was a suspicious activity of {$530.00} on my card at XXXX  store. I informed the representative that I didnt use the card and the card was in my possession physically all the times. My account was closed and my card was replaced immediately. The Citicard pay me back of {$530.00} right away, as it was fraud. However, I was charged the {$530.00} back in XXXX. I called CIticard again, and I was told again the credit would be issued back to my account. No credit had been issued till XXXX and I called Citicard to follow up on XX/XX/XXXX. I spoke to a representative named XXXX, who was extremely rude, he told me How could you claim it as fraud, if you had never lost your card. He judged me as a scammer, and I was truly shocked. Escalating the issue to the supervisor named XXXX, I was told that fraud claim had been denied because I had never lost my card, and the transaction was physically made at the store. He was very proud to say that their cards can never be duplicated nor counterfeit. They insist they have PERFECTLY secured security system, even I was a victim. I did my research, and I was not the first victim of these issues with Citicards. They simply deny to investigate their own security system, and blame the frauds to consumers, so they don't have to take responsibility. From the supervisor named XXXX, I received the address, so I could write a letter to Security operations manager. I sent a certified mail to the manager, who has never replied back to me. It was such a traumatic experience with Citi, the company that I trusted for such a long time.
Complaint sub-issue: Account status

After requesting each consumer bureau remove negative XXXX reporting off my credit report I directly contacting XXXX by phone XX/XX/XXXX, I was told by supervisor " XXXX '' in XXXX XXXX, MO.that XXXX will not remove the negative collection report off my credit report. I had always disputed the fact that although habitually delinquent due to XXXX/loss of income at the time I had always paid my account. I was too sick too fight the mega-giant, my account was closed in XXXX and with my XXXX settlement in XXXX I paid their collections. Now I was well enough to search my financial records, XX/XX/XXXX I made a written request to remove the false report and provided bank records demonstrating that I had indeed paid my account and was falsely sent into collections. This written request and evidence has been ignored. According to " XXXX '' at XXXX ( there was XXXX accounts under my old phone number when I called XXXX I never made a payment from XX/XX/XXXX and my account was closed and sent to collections.
Complaint sub-issue: Didn't receive enough information to verify debt

I have mailed Equifax a validation of debt letter and have not received a proper response of pursuant to 15 USC 1692g. I also sent Equifax a letter stating pursuant to 15 USC 1681b that I have given no such consent for Equifax to host the alledged debt on my Credit report.