Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Deposits and withdrawals

My wife and I opened a joint checking and savings account at the end of XXXX at our local branch of Citibank. 
I opened a personal checking and savings account at the same time. 
I deposited two checks equaling the amount of {$15000.00} from my XXXX XXXX and set up bill pay in the joint account. 
About two weeks later I see on the Citibank app that it says " Access Denied '' I called the bank manager with whom I opened the account and she advised me to call " Fraud '' and gave me the number. I spoke to someone after hours of being on hold. The person said that the account was slated to be closed and that I would receive a check in the mail. I called another " fraud '' number that gave me the same XXXX  answer. I have called several times since and received the same response. I am completely unable to find out what has happened. 
The only person who said " sorry this has happened to you '' is the woman with whom we opened the account. The other people on the phone were rude, unhelpful and dismissive.They talked over me and would not listen to any input or question from me. 
My personal account has not been affected.
Complaint sub-issue: Was not notified of investigation status or results

I submitted a letter on XX/XX/2021 about inaccurate and unverified information on my credit report, i have yet to receive a response, ignoring the fact it have been over 60 days. I feel as though im being used and that my complaints are being ignored. It has been over 60 days and they should be removed immediately or i will file for litigation to compensate me for the stress you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.
Complaint sub-issue: Debt is not yours

Account was never mine. Went in person to see if I can have a line on this mentioned account transfered to my name. they would n't even talk to me at the time because it was n't in my name. therefore the debt it is not mine. The account was originally with XXXX
Complaint sub-issue: Problem during payment process

This is regarding my previous bill with CitiBank, I have logged in multiple times on their website to see whats happening on my account and I have been having technical issues with them for a very long time. I paid off my balance in full, so I was surprised to find {$50.00} in interest and a late payment added to my account after paying it in full. Please look into this situation
Complaint sub-issue: Personal information incorrect

After a court ordered legal name change, Equifax refuses to update the account without proper documentation which is understandable. Even though this violates laws about collection of such information by having legal documents and photo copies of both driver 's license and social security card combined, they mandate it be sent through the US Postal Service. This method has now subjected me to identity theft as the documents that were sent are 'lost in the mail ' and Equifax is demanding that I resend copies, which again threatens the security of my private information. Meanwhile, my entire livelihood is on hold as I can not complete any transaction that is dependent upon a credit report from Equifax. My legal name is not in their system and therefore, I can not rent a home, purchase a home, trade in my vehicle, NOTHING. I am required to move to another state for employment and have not been able to for months because Equifax is uncooperative in finding a solution that does not demand my PII to be released to the public. In the digital age, they refuse to allow digital documents to be sent that would limit the exposure to theft. 
How can an agency have total control over an American Citizens entire livelihood like this and demand that personally identifiable information be combined and sent through USPS? Privacy Act of 1974 and other federal laws that govern PII include the " collection '' of this information.
Complaint sub-issue: Debt is not yours

XXXX - Received collection letter from MS Services LLC in regards to XXXX XXXX XXXX XXXX - CHECKING OR, Amount Due {$5000.00}, Account # XXXX. 

XXXX - Sent Response notifying XXXX XXXX to CEASE & DESIST collection attempts, Validate debt and not to report to the credit bureau reports since debt is not valid. XXXX XXXX has been reporting to bureau 's since XXXX??? 
XXXX Confirmation # XXXX XXXX XXXX XXXX XXXX XXXX XXXX - NO RESPONSE FROM XXXX XXXX XXXX - Sent SECOND letter notifying XXXX XXXX to Validate debt and not to report to the credit bureau reports since debt is not valid. XXXX XXXX has NOT removed reporting to credit bureau. 
XXXX Confirmation # XXXX XXXX XXXX XXXX XXXX XXXX XXXX - NO RESPONSE FROM XXXX XXXX XXXX - Sent THIRD letter notifying XXXX XXXX to Validate debt and not to report to the credit bureau reports since debt is not valid with notice of intent to file a complaint with the FTC. XXXX XXXX has NOT removed reporting to credit bureau. 
XXXX Confirmation # XXXX XXXX XXXX XXXX XXXX XXXX XXXX - NO RESPONSE FROM XXXX XXXX XXXX - Sent FOURTH letter notifying XXXX XXXX that a complaint has been filed with the FTC and not to report to the credit bureau reports since debt is not valid. XXXX XXXX has NOT removed reporting to credit bureau. 
XXXX Confirmation # XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!! Bureuas are also disregarding letters received stating that " it appears that letters aren't coming from me '' requesting more identification information which is the information that was including in letter a picture ID, Social Security Card and Utility Bill ; this practice is a stall tact to again not process letters or removing invalidly reporting entries on my credit. I keep getting the same feedback when I am submitting the correct current requested documents.
Complaint sub-issue: Their investigation did not fix an error on your report

I previously notified Equifax that i am a victim of identity theft
Complaint sub-issue: Investigation took more than 30 days

The creditor has ignored my request of this alleged debt and has FAILED to send proper validation. Therefore this is FRAUD. This violates 18 US Code 1028A- AGGRAVATED IDENTITY THIEF. I have placed a security fraud alert on my SSN to avoid instances like these in the future. This account has been paid in full
Complaint sub-issue: Their investigation did not fix an error on your report

Problems with inaccurate, unverified information reporting on my credit report, which is preventing me obtaining credit and harming my character as a consumer, I have contacted XXXX, Equifax and XXXX concerning this matter asking for proof that these accounts were properly verified and reporting accurate information, and nothing has been sent or done to fix the problem.
Complaint sub-issue: Investigation took more than 30 days

To Whom This May Concern, I am reaching out due to the credit bureau system disregarding my rights as a U.S. Citizen, and failing to uphold my report in good standing due to their negligence of my rights. I reached out to the bureaus in regards to removing discrepancies off my reports. According to law 15 U.S.C 1681a ( d ) ( 2 ) ( B ) & 15 U.S.C Code 1681a ( d ) ( 2 ) ( A ) ( iii ) - A credit card is not supposed to be on your credit report. Its also stated that a creditor has to notify the consumer and receive consent before reporting to the bureaus. These are all violations of my rights, as I dont know any of these names, and was never aware of these inaccuracies until recently accessing my reports. I ask that you mandate the bureaus to remove all derogatory marks immediately, and adjust my score accordingly to reflect my good standing and 100 % payment history. I have personal obligations that have been withheld or denied due to these issues. I also want to highlight another violation of the bureaus- I reached out on XX/XX/XXXX, and have written several letters since about these derogatory remarks, and today - XX/XX/XXXX, they have NOT updated any of them as being disputed on my credit report. Its currently past the 31 day mark. I act that you hold them accordingly to these violations or I will file a legal suit. I appreciate your understanding, and efforts to effectively resolve these matters. 

Regards.
Complaint sub-issue: Debt was result of identity theft

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the XXXX tracking.My official complaint is against AFNI. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Complaint sub-issue: Their investigation did not fix an error on your report

The comments are inaccurate. This was NOT an " insurance or government claim '' and there's nothing even remotely true about that statement. This was in fact, PAID IN CASH XXXX of 2021. 

XXXX XXXX XXXX XXXX  Comments : Paid, was a collection account, insurance claim or government claim or was terminated for default
Complaint sub-issue: Fee problem

For the past 6 months I've been charged a maintenance fee by US bank each month. US bank stated that the fee was being charged due to not having an direct deposit being processed during each month. However, I explained that I have not one but two direct deposits each month. The US bank representative said they would let their supervisors know to look into it and credit me back for these charges. This NEVER HAPPEND. I'm very disappointed with the service and am seriously considering closing my account and taking further actions against US bank. It's not the money but more my principles and I do not want them to do this to other people. Please help. I look forward to hearing from someone soon. 

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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

Soon after I turned XXXX, probably about 5 years ago I went to XXXX  and I signed up for a Prepaid phone plan. The plan was not under contract and it was able to be cancelled at any time. I stopped using that phone and I went to another carrier due to the awful service I had been receiving.I have now located a debt collection on my credit report for $XXXX from XXXX. I have NEVER gotten any communication from XXXX telling me I owe this bill, and I have never been given a chance to pay the bill before it was sent to collections and I had no knowledge I even had a bill from them since this was a prepaid account. I have also never gotten any communication from the agency it is with now.I’m extremely concerned that I am being held responsible for this without being given a chance to pay the bill. I would never let a $XXXX bill go to collections and damage my credit report but since I wasn’t given a chance, that is exactly what happened. I need proof that I owe this bill, an explanation as to why this was not communicated to me, as well as an agreement to remove it off my credit report before I pay for it.This is very disorganized and unprofessional.
Complaint sub-issue: Information belongs to someone else

Hi, I would like to ask you to take actions and remove fake items from my credit report. That's crazy what I have there. I do not know these inquiries and I have never dealt with these companies. I have never gave anybody any permission for these items. They damaged my score. What is that? WHY?
Complaint sub-issue: Public record

Equifax improperly lists a tax lien for which the filing was *withdrawn* ( not just released ). 
Under the IRS XXXX XXXX program, the item should be removed from my credit report. I filed a dispute with Equifax , and attached the withdrawal notice ( IRS Form XXXX [ Withdrawal of Filed Notice of Federal Tax Lien ]. The ( terse ) response from Equifax indicated that some database they use was still reporting the filing of the lien. Their response did n't address the fact that the filing had been withdrawn, as evidenced by the notice I attached.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Their investigation did not fix an error on your report

I have not received any confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if the need be as evidence of my trying to rectify the subterfuge that you are reporting. ( copied from the affidavit attached ) *******
Complaint sub-issue: Reporting company used your report improperly

I have disputed with equifax several times by mail about unauthorized inquiries on my credit report no action has been taken I have also called about this issue I want equifax to remove all inquiries that are listed below because I didnt authorize them. 

1. XXXX XXXXXXXX XXXX  XXXX, XXXX 2. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX bank XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Complaint sub-issue: Frequent or repeated calls

They are continuing to call and harass me even after I speak to a representative and either make arrangements with them or tell them of future arrangements. The reps are obviously not documenting the accounts properly because I continue to get phone calls almost every hour on the hour. From what I understand, once I speak to someone they are not supposed to continue calling.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Account information incorrect

Equifax constantly reports incorrect payment information, balance history, and says an account is valid after dispute when it is not. I have the statements from the merchant to prove that it isnt being reported correctly and they fail to change it. This has been going on for months preventing me from getting lines of credit to survive this pandemic. The account in concern is XXXX XXXX Credit Card XXXX The account is paid in full and closed since XX/XX/XXXX. It is reporting as maxed out with negative payment history and it is now XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

I have a {$140.00} debt being reported by XXXX XXXX XXXX now the collection company XXXX XXXX On my credit report that is incorrect. The overdue balance is for XXXX and I have not had an XXXX  account or phone for at least 8-10 years. The account, I assume, belong to my now deceased husband from whom I was separated from XXXX forward. I had notified XXXX XXXX XXXX back 8 to 10 years ago on a few different instances that I no longer had a phone number associated with them or a phone and to remove me from the account and they told me each instance that they would. Since his death Ive been harassed by XXXX calls On numerous occasions, too numerous to list and I have explained the situation each time to no avail. I also contacted XXXX XXXX XXXX and was told that I would need to speak to the collection company. I disputed the charge on my credit report and the XXXX XXXX investigation found the information to be accurate thus it was not removed.
Complaint sub-issue: Was not notified of investigation status or results

For the last year and 1/2 I have been disputing incomplete bankruptcy reports on all three of the bureaus. Relative to in my frustrating I decided about a few months ago to take it up notch and dispute with the furnisher XXXX XXXX. With ease and appreciation, they remove the files without hesitation. They sent me a complete report of the investigation reflecting removal. Right along with a copy that I sent a copy of letter with court in questions stating they did not verify said entries to the bureaus. 
With frustrating the said they were verified after their investigation, ask for verified proof of such thing. Honestly with continue frustrating they gave me nothing at All. 
Further got document for XXXX XXXX  update of my report where they could look on it, on top of that hard copy of the page stated THERE ARE NO BANKRUPTIES REPORTED. 
Sorry for my yelling for moment. they still did nothing. They totally still to refuse even a brief description on how they come to this conclusion. They get continue to make tell lies and commit fraud on my ACCOUNT. I have gotten continued amount of denied credit because of Bankruptcies that do not belong there.
Complaint sub-issue: Information is not mine

On XXXX XXXX 2016 i made a credit report for a mortage loan. In my credit history appear a XXXX verification twice XXXX on XXXX XXXX and the other appear on XXXX 2016. I never make a request for the mentionated company or any service for that company.
Complaint sub-issue: Reporting company used your report improperly

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX  XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, and XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX have 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 an account without my written instructions.
Complaint sub-issue: Information belongs to someone else

I filled a dispute in regard to the negative items on my credit report it has been well over 30 days also I've disputed items I was a victim on identity theft also no action was taken to delete and remove account XXXX XXXX XXXX account # XXXX account opened on XXXX  XX/XX/XXXX or XXXX XXXX XX/XX/XXXX my credit reports both dates which all three bureaus do not have the same information that in its self are terms for removal and deletion. Date last active XXXX  reports XX/XX/XXXX Equifax reports XX/XX/XXXX XXXX XXXX reports XX/XX/XXXX I do have a police report and this is the number to the file : XXXX located XXXX XXXX Florida
Complaint sub-issue: Information belongs to someone else

FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4400.00} Status Account charged off. {$4300.00} written off. {$4400.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$8100.00} Status Account charged off/ XXXX XXXX XXXX XXXX negative Date opened XX/XX/XXXX Balance {$12000.00} Status Account charged off. 

FCRA violations : payments never late XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$38000.00} Status Open.
Complaint sub-issue: Public record

I have a public record ( judgement ) that I paid and had released and vacted for naught. I provide the XXXX major credit reporting agencies a signed document from a XXXX county judge that this judgement was null and vacted for naught. which means it does n't exist. XXXX and XXXX deleted the above referenced public record from my credit report. Equifax on the other hand continued to report but changed the status to satisfied which is incorrect since this judgement is vacated and further ordered that the judgement be dismissed
Complaint sub-issue: Old information reappears or never goes away

I have disputed all inquiries on my credit report, I have notified every credit bureau & the companies of each credit inquiry. I have put a fraud alert on my accounts and yet inquiries still keep popping up on my credit reports with Equifax. I have disputed by mail and over the phone on several occasions & Equifax doesn't seem to want to stand by the FCRA rules. Upon further research & investigation both XXXX & XXXX removed all disputed inquiries. I don't believe that Equifax has done any investigating into this situation at all. I am asking Equifax to abide by the laws & delete the unauthorized inquiries. I do not want to have to take Equifax to a small claims court but it's looking like that's the direction they are wanting to go in. I want these unauthorized inquiries deleted off my credit report & I'm going to do whatever needs to be done to get my results. I did not authorize any of these & it's damaging my credit!