Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

I opened the account in XX/XX/XXXX and signed up for auto-payments. They indicated that it would take 30 to 60 days for the auto payments to commence. There was no payment due in XXXX. I made a payment online in XX/XX/XXXX. The XXXX bill indicated I was now signed up for auto payments and that a payment would be taken from my checking account on XX/XX/XXXX. When I received my statement it indicated that the auto-payment had indeed been made on XX/XX/XXXX. On XX/XX/XXXX Citi called me to inform me that the payment had not been made as previously told. I was astonished as I knew there was ample money in the account to make several payments. The customer agent looked into my account and found there was a transposition in the account number for the checking account from which the payment was to be made. To ensure they had the correct number the agent made the XXXX payment while I was on the phone, and it went through. When I received my next statement I found that they had not only charged me {$25.00} for a returned check, but they also reported to the credit reporting agencies the payment was made 30 to 59 days late. The payment was due on XX/XX/XXXX, by the time they noticed that they had messed up the account number, contacted me, and obtained a payment was only 6 days. I do not know what party was responsible for the transposition, but I know they had 2 months to verify the account numbers. And they also could have called me when the payment did not go through, rather than waiting an additional week. 
The following month no payment was made from my account so I called them and they informed me that auto payment had been cancelled, without any notification. I told them that I wanted it to continue for which they apologized and re-instated the auto-payments and made a payment again while I was on the phone. Citi then subsequent to my phone call, mailed me letters saying that my auto-payments had been cancelled, then another stated they had been reinstated. Both on the same date. No late payment fee or late payment report was made for this payment, even though I believe it was past due. They just took responsibility for the error, as they should have done the first time.

I made complaints on two separate occasions to Citi regarding this matter. I received 3 unsigned form letters in response, all identical, indicating they they were correct to report the payment late. I do not believe this to be the case. It was Citi 's fault that payments were made late on both occasions. I made honest efforts to make the payments and even had to follow up on them. I had the money in my account for payments to be made. This was a simple mistake, likley on their behalf, and should have no bearing on my credit score. 
The bill XX/XX/XXXX-XX/XX/XXXX attached to this report show that the payment had been made. The XXXX XXXX bill shows the payment unmade, the remade, as well as the {$25.00} returned check fee.
Complaint sub-issue: Didn't receive notice of right to dispute

Ordered XXXX XXXX on XX/XX/18. Was told for {$19.00} I could get internet. During the installation the installer tried to install the wifi component but could not get an internet signal. He apologized and informed me XXXX did not offer internet in my area. he also informed me that without internet I would not be getting some of the services I was paying for. I didn't realize it at the time but that was about half of the programming and movies the salesman XXXX XXXX had used to get me to order XXXX XXXX. This meant that I now had less programming and inferior service due to Mr. XXXX false information. 
After having the system for a month I found the equipment to be inferior as well. I called the XXXX repair dept. and was told that the new XXXX equipment had some bugs and they were working on improving their equipment. Nothing was improved for the next 30 days and I was getting frustrated with the remote not working the inefficient XXXX properly, plus the programming was insufficient for what I had contracted for. After numerous calls to XXXX over the two months service, with no solutions to the problems with XXXX XXXX  equipment I decided to cancel my contract on XXXX XXXX, after paying one month of the two. they sent the return packaging and I returned the equipment. In about a week I recieved a bill for {$600.00} for penalties for early disconnect and the second months service. I have tried to explain that the contract with them was contingent on having the internet that I was told I would have and that without it their equipment was inferior and the programming insufficient, they have not responded but in turn have sent a collections agency to try and extort the payment from me. The collection company is Enhanced Recovery Company, XXXX XXXX.
Complaint sub-issue: Account status incorrect

Hello, I have attempted to reach out to the collection agency to provide me with services that I had ( medical ), I request ( disputed ) 3 times in total directly to the bureau for Please be advised I have requested validation { not verification }, both the creditor and bureau ( Equifax ) have provided me with NOTHING, the creditor has not responded to my concern. XXXX XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above-named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. Account # XXXX AND Account # XXXX
Complaint sub-issue: Account status incorrect

I have 3 student loan accounts with XXXX XXXX XXXX, 2 student loans that were apparently transferred to XXXX XXXX XXXX XXXX an 1 transferred to XXXX XXXX. That are all paid and closed. But they are showing late payments on the accounts after they were paid and closed on XXXX 2015. Also the time that the loans were showing late they were in Forbearance with the companies. Ive made several attempts to correct this issue when the accounts were open and even when they closed. The late payments and collections status are really affecting my credit reports on all my reports. I am left with no choice but to contact you for assistance with this matter.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2021 I saw that Equifax reported on XX/XX/2021 regarding a collection from XXXX XXXX XXXX. This collection is a violation of my HIPPA rights. I called XXXX XXXX XXXX on XX/XX/2021 and I was told they acquired this debt from a medical facility.
Complaint sub-issue: Report provided to employer without your written authorization

I have been writing these companies trying to get these unauthorized inquiries off of my credit report..I did not apply for credit with these companies. I have written them several letters asking them to remove these inquiries, but they have repeatedly told me no..
Complaint sub-issue: Funds not received from closed account

Citibank blocked my checking account on XX/XX/XXXX without any notice before, and I suddenly lost my account and my money locked in the account. Citibank reply to me to wait 30-60 days to process and close it. On XX/XX/XXXX, I checked my account is closed but I didn't receive my refund check after 3 weeks. And during this period I called Citibank again and again, every time bank told me it is in process. I don't understand why still hold my money so long since the account was closed and I had waited long time. I told them I have to move out next month and hope them push the process quicker, but still no any response! They don't care about their customers situation which I am in urgent to my money. They don't respect customer because they block and close with no any previous call or notification to verify. I am very angry with their service and disappointing their attitudes. Keep delay and keep transfer my call.
Complaint sub-issue: Sent card you never applied for

On XX/XX/2018 I received a letter from XXXX 's, XXXX XXXX XXXX, XXXX, Ohio, XXXX. The letter concerns a problem completing my application for the XXXX  's American Express card. I NEVER applied for this card, but when I called the New Accounts Customer Service ( XXXX ) the recording asked for my 9 digit social security number, which, of course, I did not provide. 

This is an obvious scam to steal my identity. Thank you for your help in this matter.
Complaint sub-issue: Information belongs to someone else

report We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Complaint sub-issue: Didn't receive enough information to verify debt

Hunter Warfield  have not verified debt accurately. I never signed a contract with them or  XXXX   XXXX , my contract was with  XXXX   XXXX  but  Hunter  is reporting to my credit report as owing {$4500.00}.
Complaint sub-issue: Account information incorrect

I have filed a complaint with you with regards to XXXX XXXX. I am know filing a complaint with you all against Upgrade. The company says that it takes some time to update the information. 

However, why is it that XXXX when they call them Upgrade can not give them the correct information about the account. 

am enclosing documentation that shows the loan is paid in full. I am also providing you with correspondence with Upgrade. I want to fair. Upgrade says it takes time. However, I can not see why when XXXX calls them they can not just say the account is paid in full? 

XXXX XXXX
Complaint sub-issue: Sent card you never applied for

I received a bill with a XXXX balance from Key Bank, opened in my name. I received it one day after my mother, who banks with Key, received the same type of bill. Neither of us has ever held or currently hold a credit card or debit card from Key. I did not request a card be opened nor do I have a personal banking relationship with Key. I am a " signer '' on my mother accounts in case of emergency. <P/>Key bank indicated these cards were an error and had been pulled from an old system and bills sent out. As stated, I have never had any credit card from Key bank or From its previous owner XXXX XXXX. <P/>Key bank did not have a clear answer as to why this bill was sent other than a computer problem. However they did indicate it would show up on my credit report. I have not spoken to, written to or requested a card from Key bank at any point it my life. <P/>I believe Key Bank is systemically and fraudulently opening accounts - much like XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX  are reporting incorrectly that I am 60 days past due on the XXXX XXXX - partial account number XXXX. ( Please see pages 6 and 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. 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: Problem with rewards from credit card

I have credit cards from CitiBank that earn XXXX XXXX Miles. My signup bonuses and miles posted in a timely manner. XXXX XXXX terminated my frequently flyer account on or about XX/XX/2020 without any notice to me and confiscated my legitimately earned bank issued miles. Although no correspondence has been received to date, research indicates that my account was included in an account termination sweep triggered by AA 's view of too many sign up bonuses from CItibank received. Miles earned from my credit cards no longer have an account to land into, and my earned miles from all sources are gone. These miles were bonuses and spending earned miles -- consumer spending incentives that were developed, marketed and approved by the bank. They were mailed or emailed and contained no specific restrictions regarding my personal eligibility. Nearly all of my credit card approvals with Citibank necessitated a phone call with a representative, and there was never a reference to any term violations. 

I did not violate any terms and conditions that were stated on my credit card applications or banking agreements. Specifically, I did not violate any limitations of sign up bonus. I maintain that it is incumbent upon the banks to not issue miles for credit cards or other endorsed methods that their credit card partner airline, XXXX XXXX, deems unacceptable.
Complaint sub-issue: Trouble with how payments are being handled

I'm a resident of XXXX paying my student loans through Nelnet. XXXX is XXXX on the other side of the International Date Line. XXXX our XX/XX/XXXX is XX/XX/XXXX for most of the day stateside. Nelnet advertises that they deduct their payments on the 1st of the month which is true stateside, however on XXXX that translates to the XXXX or XXXX 

I had sufficient funds in my account on XX/XX/XXXX, however since their debit attempt for {$470.00} occurred on the XXXX, the transfer was denied and I was hit with a {$25.00} NSF fee. 

Nelnet needs to make allowances for clients on the other side of IDL and adjust their practices accordingly. They also need to credit my account for {$25.00} since it was their mistake. 

Nelnet denies all responsibility and refuses to adjust their practices so that their debits occur on the XXXX of the month for every customer.
Complaint sub-issue: Account status incorrect

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them a letter, for the said request, I still haven't received any response up to this date. Besides, the inaccurate information about my accounts are still on my report. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4.00} XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX  XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$1700.00}
Complaint sub-issue: Account status incorrect

on XX/XX/XXXX I obtained my credit reports from all three credit reporting agencies. 
EQUIFAX, XXXX and XXXX, and after looking over my credit reports yet once again I am very concerned about the inaccurate reporting that has been continuing to happen after countless attempts to remedy this situation and have the three CRA 's remove an account from XXXX XXXX XXXX. 

I also received a letter from the data furnisher who is XXXX XXXX which I have attached where their Manager at the XXXX, Washington office clearly states that they did not " look at the account information '' when I had asked numerous times to do so because inaccurate and erroneous reporting was being made on my reports. After writing letters of validation to XXXX XXXX and the CRA 's each time they have said that the account was " verified '' when in fact it was not. As you will see on my recent credit reports that I have attached for the CFPB, you will notice that the account : dates are wrong the balance is incorrect the payment history shows on time payments in the year of XXXX which is false because the account was closed in XXXX and various illegal reporting 's of inaccurate information that has been going on for way too long. 

XXXX  states in that letter that they did " NOT '' look at the account information, and that its " unfortunate '' whatever the CRA 's put on my credit report. 

According to 15 USC 1681, the data furnisher being XXXX XXXX as well as EQUIFAX, XXXX, AND XXXX  is illegally reporting wrong information which has cause emotional distress, financial insecurity and hardships directly correlated to this account.
Complaint sub-issue: Their investigation did not fix an error on your report

I have proof and I am aware that the credit reporting agency has and continues to violate my consumer privacy rights. An Identity theft affidavit was sent to the credit reporting agencies, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX Bank and the companies that have inquires on my consumer report. These accounts are the result of identity theft. Pursuant to 15 usc 1681C-2 ( A ) these accounts should be blocked from my consumer report. These accounts were also disputed several times. Pursuant to 15 usc 1681i ( A ) ( 1.A ) all disputed accounts are to be deleted while a full and complete investigation is being done. This never happened. The accounts were never deleted during the multiple disputes. I also have NEVER given any consumer reporting agency permission to furnish any of my information. According to 15 usc 1681b, a consumer reporting agency needs my consent. I did NOT give my consent. According to 15 usc 1692k violators are liable for actual damages. Even after being informed numerous times that the information is incorrect and should not be on there, I have been injured numerous times from the consumer reporting agencies gross and negligent and willful behavior. These injuries include and are not limited to being denied of credit, my reputation has been ruined, loss of business income, XXXX and XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed and called to remove this accounts that I had no knowledge of and that are still on my credit
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  XXXX ( Original Creditor : XXXX XXXX ) # XXXX, REPORTING TO XXXX AND XXXX XXXX XXXX XXXX ( Original Creditor : 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: Personal information incorrect

On XXXX. I sent a letter regarding inaccurate and unknown items on my credit report and to this day i have not recieved a repsonse yet.i feel like im being taken advantage of and being ignoredof my disputes. Section 611 ( a ) plainly states that a failure to to investigate these items withing 30 days gives me a reason to immediately have those items removed from my credit report.it has been over 45 days. So they should be deleted promptly. I demand these address and accounts get deleted immediately or i shall file a complaint due to the stress caused on me. My information was compromised and may have gotten into the wrong hands by the equifax data breach.
Complaint sub-issue: Was not notified of investigation status or results

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiry deleted or updated. These are the items I demanding to be deleted immediately 1. Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Complaint sub-issue: Reporting company used your report improperly

I filed a CFPB complaint against Equifax for adding a consumer statement my credit report without my consent. On XX/XX/18 Equifax acknowledged to CFPB that they deleted the consumer statement. I checked my credit report and Equifax did infact delete the consumer statement. Today XX/XX/18 I paid for my personal credit report and noticed that Equifax added the same consumer statement back to my credit report after they acknowledged that they had deleted it. I am fed up with Equifax lying to me and CFPB. I want the CFPB to know that Equifax has done anything but be truthful, they keep adding previous disputed information back to my consumer file. I will show proof for my credit report XXXX that the consumer statement was deleted and my credit report for XXXX that it was re-added.
Complaint sub-issue: Information belongs to someone else

I was made aware of a total of six accounts & some inquiries reflecting negatively on my credit report on XX/XX/20 when I was denied from getting an auto loan. The accounts do not belong to me and I have never given anyone permission to open these accounts in my name. I have no idea who opened these accounts without my permission but I did not benefit anything from them such as money, goods, services, or any other benefit nor did I ever make any payments towards these accounts. I do not have any written/verbal contract with any of the companies I listed nor did I ever give them permission to access my credit history or personal information. I have filed a police report regarding these unauthorized accounts.