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

In response to CFPB complaint XXXX CitiBank approved monetary relief for my private student loan under its permanent XXXX program for military veterans. I have contacted XXXX and CitiBank to notify them that the credit reporting agencies are still showing I owe the debt + interest. XXXX on several occasions informed me they do not service my former loan and that I need to contact Citi. When I contact Citi, Citi tells me XXXX does service my loans and they have been instructed to remove and perform the appropriate actions. I again contact XXXX and is told the same information " we do not have any information on your loans, your loans is with a different servicer possibly ''. XXXX also told me that I should probably dispute the information with the three credit agencies. 

I contacted all three agencies and opened a dispute and each dispute was closed as " No Change, Creditor validated information on report is correct ''. Therefore, the credit agencies still is under the impression I owe this debt despite me sending them the letter from CitiBank showing the loans should be removed. 

I have uploaded the original complaint, the letter from citi, and the response from one of the credit agencies.
Complaint sub-issue: Reporting company used your report improperly

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the Child Support court as the furnisher thats forgery and misleading when the courts dont report this type of account XXXX XXXX XXXX  XXXX Account status Closed Date opened XX/XX/XXXX Account type Open Account Balance details Balance {$3400.00} Balance updated XX/XX/XXXX Original balance {$0.00}
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

As you can see from the previous 8 complaints I have placed with your company. Lexisnexis keeps saying they verified as correct information In complaints 1 through 6th they had verified me with an address that does not even exist XXXX XXXX XXXX XXXX XXXX NY did they pull that out of thin air? Now they are saying and more complaints would be deemed frivolous, I mean give me a break it took them six times to correct an address on my report as verified proof. They should be called false and misleading information. Now as far as XXXX XXXX XXXX XXXX is this going to take another 6 complaints before they do there job? Here is there response for not doing there job now 8 times.
Please be advised that we have received six previous complaints on behalf of XXXX XXXX disputing the same claim on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and responded on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, respectively that XXXX XXXX was the vehicle operator and the policyholder at the time the claim was filed. Please note that further complaints from XXXX XXXX regarding this claim will be closed back to the CFPB as frivolous, as XXXX XXXX has provided no new information or documentation that could substantiate his. I did n't submit proof the other 6 times other than looking on XXXX to fin XXXX XXXX XXXX did not exist as they claimed as verified proof. Now the only proof I have for XXXX XXXX XXXX XXXX is the home was owned by a XXXX and XXXX XXXX. I do not know these people. Again I want to stress I have never lived at XXXX XXXX XXXX XXXX This is the Ninth compliant lets see how long this takes
Complaint sub-issue: Didn't receive notice of right to dispute

I was notified by the XXXX and XXXX  credit bureau that I had received a collection ( First time ever ). The company that put this item on my credit report ( Without any prior notice ) is named Plusfour.Inc. I have not received any notification from this company and do not know where or how they got my information. 
After reviewing the collection on both XXXX and XXXX  I found several inconsistencies. 
The first one is the company claims their address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. However, the collection that was reported on XXXX  was listed under a XXXX XXXX ( XXXX  ) located at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, NV, XXXX. I found the company to have minimal contact information online as well as in their collections that were put on my report. 
The company in questions has many consumer complaints against them from fraudulent claims. I believe this is another case to be consider fraud until they can send me information regarding the collection, as I have medical insurance that covers my medical bills. From what it seems it is a supposed " XXXX bill '' with no date of service to be included in the collection whatso ever.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

On 6 separate occasions in writing I have asked MRS to stop contacting me and they continue. I wrote to them on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, and I also called on XX/XX/2022. yet they keep on sending me emails.
Complaint sub-issue: Account status

I had a XXXX account in XXXX, XXXX that I closed because I was moving out of state ( to XXXX ). I took all of the equipment less than a week prior to me moving, to the local branch that I normally dealt with and paid them in full so it would be one less thing for me to worry about, this was XXXX 2012. I never once received any correspondence indicating there was an issue until XX/XX/XXXX when it mysteriously showed up on my credit report as not being paid. I contacted them directly and they investigated and wanted me to fax them a receipt, however I told them I did n't have it anymore since it had been over 2 1/2 years and if there had been any problems with it, I should have been notified long before 2 1/2 years and it also should not have been put on my credit report without notifying me first. The XXXX representatives I discussed it with agreed with me, however they said there was nothing further that could be done beside talk to their collections department. I spoke to them and all they wanted to do was discuss payment arrangements which I explained I was not interested in because the bill had already been paid once and I had no interest nor was it fair for me to have to pay it twice. I also filed several disputes with Equifax because XXXX kept reporting it as an active debt, however XXXX currently shows it as a closed account. I explained this to Equifax in my dispute that if XXXX has it closed that they should be reporting the same. In fact, Equifax removed it but then added it back which I did n't understand, but they continue to say after each dispute I make ( I 've made at least XXXX ), that the debt is valid, however it is not and it is hurting my credit and I need it removed.
Complaint sub-issue: Their investigation did not fix an error on your report

To : Equifax and XXXX  According to the fair credit reporting act, any data being report XXXX to my credit file must be fair, accurate, and complete. Also the accounts being collected must be validated. 

I have complained and filed disputes for these in the past for months and all the credit bureaus have lied and not conducted investigations or you would of read the documentation And saw what this creditor sent to me showed that they did not have any validation documentation prior to XX/XX/2022. 

They lied to you and you lied to me because you did no investigation ans you havent read the disputes and the supporting documents or you would have already taken action against these criminals. And the documentation they did provide from the XXXX letter is a XXXX violation and is null and void and none of you are suppose to see a federal protected document like that even if it were legit but they made it up themselves almost 5 years too late! 

Secondly these two screenshots from Equifax show that the first day of delinquency is not being reported!. 

You better fix it or delete it because youre gon na be answering to it in a deposition soon so quit breaking the law and fix it!
Complaint sub-issue: Problem using a debit or ATM card

XXXX XXXX charges appear on my account for many months I had plenty of money in my account and I have been sick a lot so I really Hadnt noticed the constant withdrawals I called in on XX/XX/XXXX to report the unauthorized charges on my checking account. They took the report and would be deciding on putting a temporary credit I few days later that happened then when I was out of town I notice my card being denied and I look into it and the bank reversed all of credits I called them snd they said that some time in XXXX I okd all those charges there is no way possible that they spoke to me snd these charges arent mine I keep getting s run around snd they say someone will call me but not one single person has followed through How could they remove the temporary credit a couple days after they gave it to me when it takes XXXX for the process
Complaint sub-issue: Information belongs to someone else

XXXX XXXX, XXXX-XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX-XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Complaint sub-issue: Reporting company used your report improperly

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX Equifax Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

I the consumer, XXXX XXXX checked my credit report recently to find that a bill related to my medical visit was reporting on my credit. I did not give XXXX XXXX XXXX XXXX XXXX written consent to share my medical information, nor did I sign a HIPAA. Which they failed to comply with HIPAA regulations detailed in 45 CFR Parts 160, 162, and 164. They illegally sold my information to PROGRESSIVE MANAGEMENT SYSTEMS. According to 15 usc 1692g PROGRESSIVE MANAGEMENT SYSTEMS were to reach out 5 days before in writing to notify me of this alleged " debt '', and they did not. As a consumer only I can validate this debt and I XXXX XXXX do not validate this debt.
Complaint sub-issue: Investigation took more than 30 days

Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. All of the information and accounts currently listed on my Core Logic Teletrack Consumer report is fraudulent accounts and information. The accounts or information is not my accounts or information. I was just released from XXXX. I was XXXX for over 17 years. Review the attached documentation. Full Name : XXXX XXXX XXXX, DOB : XXXX, SSN : XXXX
Complaint sub-issue: Reporting company used your report improperly

They furnished a report without my permission. Which is a violation to pursuant to 15 usc 1681b ( 2 ). They reported transactions from my credit card to a my consumer report which is a violation to 15 usc 1681A ( 2 ) ( b ). They also reported and transferred over my information without my permission. A " credit '' check doesn't consist of having my intellectual property " reported '' unauthorized.
Complaint sub-issue: Debt is not yours

I currently have four debts showing in my Equifax Credit Report. All which have been addressed. I have called the creditors on them and the creditors have advised the following : XXXX XXXX XXXX ( XXXX ) - Balance {$210.00} XXXX has advised that the account does not belong to me. That this is for an individual with the same name and same prior address which indicates that it may belong to a parent because we have the same name. They have advised that this has been reported to the credit bureau. I 've submitted multiple disputes to Equifax and this continues to be in my credit report. 

XXXX XXXX XXXX ( XXXX ) - Balance {$330.00} Same as above XXXX XXXX XXXX - Balance {$190.00} I 've taken the same action as noted above with XXXX and concluded in the same with XXXX. Again I 've submitted multiple disputes and this continues to be in my credit report with Equifax. XXXX XXXX has also advised that they have reported to Equifax of the same. 

XXXX XXXX XXXX ( XXXX ) - Balance {$330.00} Same as noted above for the previous two XXXX records.
Complaint sub-issue: Frequent or repeated calls

I have been receiving at least 2-3 calls a day from XXXX XXXX XXXX. They have called my parents, my in-laws, my brother and my husband repeatedly. They called from different numbers each time. When I talk to them they are very rude and say I am playing games and that I am irresponsible. I have explained to them many times that I do not work, I have no income and to please stop calling. They keep calling me non stop. This week alone they called me 4 times on XXXX/XXXX/XXXX, my husband and myself, once each on XXXX/XXXX/XXXX, my husband on XXXX/XXXX/XXXX. They called my in-laws twice that I know of 2 weeks ago. 
They lie and say my husband setup a payment arrangement, which I know is not true. 

These people are rude, they talk over you, never letting me explain my situation. They never say they amount that is owned. They WILL NOT send something in the mail, they say they CAN NOT do that. They have called so many people that I know that it is embarrassing.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I had a car loan thru XXXX XXXX for a XXXX XXXXXXXX XXXX. The payments were due weekly and added up to XXXX monthly. I had my account set up on autopay and never missed a payment. I checked my payment history and it says I was late 30 days. I have had two vehicles paid in full with this company and never missed one payment. I tried reaching out to corporate and they told me to reach out to the credit bureaus. I did. I sent a dispute about the pay history being incorrect. They in return said the information was accurate and would not investigate the matter. I want the payment history updated to all payments on time.
Complaint sub-issue: Keep getting calls about my loan

I cosigned on a student loan for my Brother and he failed to make a single payment, which was due on XX/XX/XXXX. On XX/XX/XXXX, I began receiving automated phone calls from Sallie Mae, reference " A business issue '' and directing me to call a number they provided in the message. Due to ongoing fraudulent activity with such calls, I did not return the call, however, I did check the account and noticed the account was a few days past due. I contacted my Brother and a full payment was made. After making the payment, I received three more automated phone calls from this company, each one to one and a half hours apart from each other. This type of harassment is unacceptable and is taken as telecommunications harassment and in violation of FTC regulations. To receive constant phone calls such as these every hour to hour and a half if a violation of it 's own and taken as harassment, but to receive NUMEROUS phone calls AFTER the payment is made is ridiculous.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX is still reporting collections on my credit report that I have asked them to investigate and they didn't complete a proper investigation. The collections were XXXX XXXX and americollect. I would like a full investigation into this accounts.
Complaint sub-issue: Card opened as result of identity theft or fraud

Not aware of this card in my name whatsoever
Complaint sub-issue: Can't use card to make purchases

Regarding my Best Buy Citibank credit card account I have been fighting with this company for the entire month of XXXX trying to understand why they are not applying funds to my available balance according to their policy stated in an email to me every time I make a payment that the funds will be available within XXXX hours I have attached documentation of some of my communication with them what I wish is for them to honor their policy and credit any payments I make within XXXX hours maximum I have checked with my local credit union and the XXXX XXXX advises may that the money is indeed in the hands of Citibank immediately on being withdrawn from my account For details of dates and amounts see attachment I am including with my complaint
Complaint sub-issue: Reporting company used your report improperly

I discovered only through social media and the general news on or around XX/XX/XXXX, that Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, DL, and credit history, if not more. This was the result of a data breach in XX/XX/XXXX th
at they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution. I have good credit. I will now need to monitor and pay out the nose for protection for the next 50+ years because of negligence, greed and neglect. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. 

They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Complaint sub-issue: Application denied

I applied online for a Home Depot credit card through Citibank. I entered my landline phone number on the application. The system asked to send a verification code through text message or answer security questions. I chose to answer security questions since my landline phone does not receive text messages. I answered the security questions, and the system said I would need to call to give more information. By that time, the call-in number was closed, and I had to wait until it reopened the next morning. I called and was asked by the second Citibank rep who asked for my cellphone number that my cellphone number could not be verified by the Citibank system. In seeking to understand the details of this decision, I talked with six additional Citibank representatives - for a total of eight -none of whom could give very clear answers. I was told that my only option was to go into a Home Depot and present photo ID - no guarantee that that would work. I requested that my application be deleted. The Citibank representatives said they could not do that. They said that my application would remain active for 30 days, then it would be archived.
Complaint sub-issue: Reinserted previously deleted info

I am writing about Equifax. I disputed a loan from XXXX a few years ago. The account was removed from my credit file. Recently I discovered that Equifax had put the XXXX account back on my credit report. This is not right. I did my due diligence in providing documentation to have this account removed. My student loans were discharged after my XXXX. This issue is causing problems getting into a home, and other issues. I can not wait for this to fall off after 10 years. I may not even be alive. I will again provide the documentation about this loan.
Complaint sub-issue: Was not notified of investigation status or results

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Complaint sub-issue: No notice of investigation status/result

equifax reports XXXX XXXX XXXX # XXXX WITH A FALSE DOFD. 
THE CORRECT DOFD IS XX/XX/XXXX.XXXX BUREAUS HAVE A DIFFERENT FALSE DOFD AND RADICALLY DIFFERENT PAYMENT HISTORIES YET ALL HAVE BEEN RECENTLY " VERIFIED '' .WITH THE CORRECT DOFD TD BANK COULD BE REMOVED FROM MY REPORT NOW.