Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Other problem

I called Citi to make a payment arrangement on XX/XX/XXXX, whereby my account would be closed ( i.e., no further charges ) but the interest rate would become 0 % and I would make 60 equal monthly payments of {$87.00} starting on XX/XX/XXXX, which Citi would take automatically out of my checking account. At the end of 60 months, my Citi balance would be {$0.00} and the credit card would be considered paid off in full. 

Citi failed to take {$87.00} out of my checking account on XX/XX/XXXX and again on XX/XX/XXXX. Instead, according to their most recent statement on XX/XX/XXXX, I have a minimum payment due of {$990.00}. I called Citi and they acknowledged verbally that the payment arrangement of XX/XX/XXXX is valid but that Citi 's computer systems have failed to process it correctly. The matter is being reviewed by Citi 's " offline team, '' but so far they have taken no action to correct the problem. 

In the meantime, Citi 's computer system has generated demand letters to me for the minimum payment due as " reflected on [ my ] monthly statement. '' The Citi letter states that they " may report information about your account to credit bureaus. '' The persons I spoke to today at Citi are unable to do anything regarding credit reporting, but they did confirm that such credit reporting is done automatically by their computer. 

It's pretty obvious at this point that Citi 's " offline team '' is taking forever to fix their processing glitch and that I am likely soon to be vicitimized by Citi 's computer 's automatic false negative report to credit bureaus, which will no doubt cause me harm ( such as potential denial of new credit from other creditors, or denial of a job by a prospective employer! ). 

I have tried to no avail to escalate the matter within Citi. XXXX, employee ID XXXX, account manager at Citi, is the highest level person I have been able to speak with. He is arranging for his manager to give me a call back within 3 days, but XXXX says that he or she operates from the same operating manual as XXXX and therefore won't be able to offer me any relief.
Complaint sub-issue: Account terms

I previously reported a duplicate entry to the creditor. They removed the duplication from my XXXX XXXX credit report ; however, it is still reported on my XXXX credit union. Therefore, I am submitting this complaint on the creditor due to their failure to correct this information with all three credit bureaus.
Complaint sub-issue: Their investigation did not fix an error on your report

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. XXXX XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

This is a formal complaint against Equifax located in XXXX, GA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND XXXX XXXX. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, Equifax has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Complaint sub-issue: Reporting company used your report improperly

A brief summary ; A third party debt collector, National Recovery Agency, texted me stating I owed an alleged debt. I do not know this business. I asked for validation of debt, they mailed in response a reflection on a statement of an extension of credit which was not made to the obligor. I then mailed back a Notice Of Dispute ; XXXX for XXXX and XXXX XXXX XXXX with a self executing contract. 

I Also have proof of the company violating my consumer rights under the Fair Debt Collection Practices Act 15 USC 1692, and The Fair Credit Billing Act 15 USC 1666.

It has been 30 days since my last mailed letter with no response.
Complaint sub-issue: Information belongs to someone else

I have 5 accounts reporting in my credit report that are not mine they do not belong to me in any way and I have not signed or used or even know how they appeared on my credit I need these off asap I have been disputing these with the bureaus since XX/XX/2020 and have not even seen a dispute opened or anything done with these I even ended up opening an FTC report and still nothing I am getting upset because of these accounts and dont understand why Im liable for these XXXX XXXX  - Acct # XXXX {$2000.00} XXXX XXXX  - Acct # XXXX {$0.00} XXXX- Acct # XXXX {$580.00} XXXX XXXX XXXX Acct # XXXX {$1400.00} XXXX XXXX XXXX Acct XXXX XXXX {$120.00}
Complaint sub-issue: Was not notified of investigation status or results

ON XX/XX/2021 I SENT A LETTER REGARDING INNACURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECIEVED A RESPONSE YET. I FEEL LIKE IM 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 60 DAYS 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 EQIFAX DATA BREACH AND MAY HAVE GOT INTO THE HANDS OF THE WRONG PERSON.
Complaint sub-issue: Problem during payment process

On XX/XX/2020 and XXXX 2020 I paid my bill per usual earlier than the due date. Unbeknownst to me the payment showed up as late, which is impossible. I never received any notifications saying that the payment didn't go through. I have made several attempts to rectify this issue with my provider to no avail. This has caused me higher interest rates on a recent loan, and problems trying to finalize my mortgage. I take great pride in my perfect credit and payment history. This mistake is hurting my credit.
Complaint sub-issue: Account information incorrect

I was a victim of the XXXX student loan defraud action after that school filed for bankruptcy. The Federal court ruled that all student loan debt associated with this school be discharged. I filed the necessary discharge paperwork with the Dept of Education in XX/XX/2019. 

The attached article -- XXXX XXXX XXXXXXXX - from XXXX, 2019 states that a federal judge rules last yer the the DOE delays in forgiving the student debt of defrauded students was ILLEGAL. The article points out that the Dept of Education continues to neglect pending applicatins now totalling 180,000 and that NO borrower has had their request approved or denied in more than one year. 

Based on this information the three credit reporting bureaus should be deleting all my Federal Loans and Peak loans showing on my credit report as continuing to do so will put them in violation of a Federal Judge 's order to discharge these student loan debts..
Complaint sub-issue: Their investigation did not fix an error on your report

Due to some fraudulent activities I have hard inquires on my report that were not authorized by me! I have disputed these inquired w/the CRAs w/no success. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize these inquires and I am NOT benefiting from these inquires. 

There are ONLY XXXX INQUIRES THAT I AUTHORIZED XXXX XXXX XX/XX/XXXX AND XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

In XXXX of XXXX, i sent out dispute letters to dispute inaccursies on my credit report. I explained in my dispute letter I have not received my billing statement within 21 days of my statement balance being due, under 15 usc 1666 a and b, because of that i noticed my XXXX  account reported multiple late payments and after sending them a dispute letter stating my reason for dispute and holding them to the FCRA standard and they failed to due an investigation within 30 days and notify me. I sent out a letter again just recently and this time certified the mail just to ensure they get this before I notified you all.
Complaint sub-issue: Other problem

Despite my repeated attempts to resolve this problem, and despite XXXX in a secure message referring me to an email address called XXXX, XXXX continues to engage in this online blackmail with me. The problem remains the same - at some point in time after I log into my XXXX account, a window appears that freezes my online account capabilities, and gives me XXXX of XXXX choices : XXXX click on a button to confirm that my income is XXXX. Or click on a button to make corrections. After this window appears, I am no longer able to navigate to any other page. And I am no longer able to log out of my account. 

I have attached all my secure messages to XXXX regarding this matter. 
I have also attached emails I sent to the trteam. The trteam has yet to provide a human response to my emails. 

How many XXXX case ID numbers does it take to resolve this? The fact is, XXXX XXXX department created and continues this problem. And XXXX XXXX department has the capability to remove this problem. Assigning case ID numbers does not remove the problem. XXXX XXXX department intervening and removing what they put there in the first place will resolve this problem. Why their XXXX department will not do this I dont know. Only XXXX knows. And theyre not telling.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed the inaccurate information placed on my credit report regarding the collection account of XXXX, XXXX, & XXXX XXXX on numerous occasions with Equifax. 
Pursuant FCRA Section 623 ( 5 ) ( A ) : Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' Since the debt is from XXXX, this account has passed the XXXX limit from date of first delinquency ( DOFD ) under the Fair Credit Reporting Act [ 15 USC 1681c ( a ) ( 4 ) ] to report a collection account. 

I have provided Equifax a plethora of documentation substantiating my claim that the date of first delinquency ( DOFD ) is XX/XX/2015, however Equifax has refused to remove the item. 

I have attached the same documents furnished to Equifax.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX XXXX : Account # : XXXX, XXXX XXXX XXXX : Account # : XXXX, XXXX, XXXX. : Account # : XXXX XXXX XXXXXXXX : 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: Confusing or misleading advertising or marketing

Applied to CARVANA to further extend my credit to purchase a used XXXX XXXX XXXX XXXX XX/XX/XXXX they are requesting a down payment of {$10000.00}, pursuant to 15 U.S. Code 1662 the down payment the company is requesting is not required unless the creditor agrees to that amount, which I disagree with putting down any amount. CARVANA is civilly, and Criminally Liable for willingly issuing violations/ Failing to disclose accurate information operating under TILA. The Finance charge is the sum of all charges, it does not include a type of payable cash transaction.
Complaint sub-issue: Company closed your account

My checking account was closed by Citibank without warning or notice XX/XX/2020. I called customer service reps on 7 different occasions to find out the reason why. I was told by reps that my account was closed by Citibank 's fraud department. No one seems to be able to give me any info on what i need to do to retrieve my money. Also Citibank refuses to connect me to their fraud department so i can discuss this matter. I have over {$1300.00} in that account that I need desparately. I have been told to go to a Citibank branch and get my money but there are no physical branches in Texas where live. I received an email from Citibank stating there was a message for me in the Citibank mobile app. I can't read the message cause i can no longer access my account info due to them closing my account! I am at my wits end because i am getting nowhere with this bank. They are trying to keep my money and that isnt right. I need your help desparately!
Complaint sub-issue: Personal information incorrect

My identity was compromised. I think it started from XXXX XXXX XXXX XXXX. My account on XXXX XXXX was hacked, and the email address as well as the phone number was updated into some unknown ones. So I can't receive my account at all from their automatic recovery. The hacker has got my money from the bank, updated my personal info as well as started lots of fraudulent inquires on three credit bureau. I can't find any contact email or phone number from XXXX XXXX website other than just self recovery process. 
I tried to create another account under my identity, but they even refused that as well. This is very bad experience from XXXX XXXX, and I didn't even receive any updates for someone trying to update my email or phone number. I hope XXXX XXXX had the real people to handle the issue like this.
Complaint sub-issue: Card was charged for something you did not purchase with the card

my card was lost/stolen, I immediately locked my card and notified discover. I also noticed there were some charges already made on the card. I have tried several times to dispute the charges all to no avail. They still have not provided me with any proof that they used to validate the purchases.
Complaint sub-issue: Information belongs to someone else

On the date XX/XX/2019 am open account of a loan was removed from my credit repot as a despus and I wanted to undo that despute which was an error I tried going all over the internet trying to see if I can have it put back in my credit report so I can also get the credit for it as well all my payments for the personal loan I got have still been made on time and will keep being on time if I could have a response to how can I can resolve the issue I will appreciate it -Thank you
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX is repeatedly in violation of my FCRA Rights. For years I've submitted proof that XXXX reporting of my credit data was incorrect. After I advise I would make a formal complaint XXXX falsified a letter they stated they sent me to a wrong address to prove compliance with Texas repossession laws. It was falsified and produced 4 years after I started complaining. XXXX sent documents that my balance was approximately {$8000.00} then it went to {$21000.00} after I started writing letters, then it was went to XXXX then {$13000.00}. Then {$16000.00} approximately. How is it a vehicle that was paid on for over 1 year with a down payment, that was sold at auction, received full federal tax write off still reports still owes over 70 %. XXXX is a predatory lender and should be investigated as such
Complaint sub-issue: Reporting company used your report improperly

Company was never authorized to share personal credit reports with XXXX, XXXX or any parties not authorized by me myself or identity holder which is my according to credit reporting law, i would need your help and getting them to remove all this frivolous information on my credit report please
Complaint sub-issue: Public record information inaccurate

Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. These changes are part of the National Consumer Assistance Plan. The Credit Bureau has not updated the information and per the new law the Bankruptcy listed does not include this information and must be deleted from my credit report.
Complaint sub-issue: Information belongs to someone else

What is this complaint about?

When applying for a car loan the credit report from XXXX/Equifax is drastically less from my consumer pull than what the dealer came up with. My scores have been hovering at the same number for about a year. I additionally have different averages for the age of my accounts. My paid off debts to not show for some reason either. Lastly, when I tried to get insurance it seems my public record was mixed up with wrong person, however I have no insight into this issue now.

What type of problem are you having?

Inability to get public information or the reasons behind my credit score being low. IE : Through my requests it shows as XXXX  but through a pull from someone else the score shows as ranges XXXX to XXXX. Not able to get insurance for new car. Not able to figure out what issues are happening for my records.

What happened?

I attempted to purchase a car out of necessity and had to co-sign with someone else because of the issues with my credit and possible identity.

What company is this complaint about?

Equifax, XXXX, and XXXX.

Who are the people involved?

Myself, XXXX.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the fair credit reporting act # XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXXXXXX and 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 states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Debt is not mine

I received a collection notice from ERC XXXX Enhanced Recovery Company ) in XXXX, FL, and it appears that XXXX is billing me {$260.00} for a service I never received. In XXXX 2014, I ordered internet service from XXXX XXXX and they set up an installation appointment. No one ever came out to my residence to install XXXX XXXX internet service. I waited three weeks after the installation appointment thinking they would call me to reschedule ; however, they never called so I called them and XXXX of their sales agents told me they did n't even have service in XXXX XXXX, Texas, and that they would cancel the order. The original sales agent never told me they did n't have service in XXXX XXXX, Texas. Just to summarize, I never received any type of service from XXXX and I have a collection agency called ERC trying to collect a debt.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft and I disputed the fraudulent information with the credit agencies. I did not authorize anyone to use my name or personal information to seek ; money, credit, loans, goods or services described in this report. The credit agencies, refused to remove the fraudulent items after submitting ; FTC report, Police report, credit report, proof of ID and credit report with fraudulent items circled. 


Listed Fraudulent Items below : Account : Account Number : 1. XXXX XXXX XXXX 2. XXXX XXXX  XXXX 3. XXXX XXXX XXXX 4. XXXX / XXXX  XXXX 5. XXXX XXXX DEALER XXXX Wrong Addresses : 1. XXXX XXXX XXXX, XXXX CA XXXX 2. XXXX XXXX XXXX XXXX, XXXX CA XXXX
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX show discrepancies between the credit reporting bureaus. Equifax shows 90 day late payments XXXX to XX/XX/XXXX while XXXX does not report a 90 late payment until XX/XX/XXXX.
Complaint sub-issue: Account information incorrect

I disputed this account several times because of incorrect information! I asked the company to remove the account and they agreed! The account was deleted, but now 3 months later its back on my credit report and they did not give me any notice which they are suppose to do.
Complaint sub-issue: Need information about your loan balance or loan terms

I have called three separate times and spoke with a representative to gain access to my monthly statements and other official communication. All three representatives promised to mail statements to my email, I have received none. Also, I wanted a formal ticket into my lack of access to records to be opened, with no resolution noted.
Complaint sub-issue: Investigation took more than 30 days

I recently viewed my credit reports and noticed an account that I did not recognize. It was a credit card reported from Citibank account number XXXX in 2017 that was showing as a charge-off. I reviewed this account and noticed that the payment history between the bureaus did not match and delinquency dates did not match, further showing the erroneous nature of this account. I disputed this account, but it kept coming back as " verified '' from the bureaus. The bureaus did not provide an original instrument of indebtedness, such as a signed contract or original signed application, that would be required in order to verify this account in accordance with the FCRA. So, I decided to contact Citibank directly in order to see how they were verifying this account. They received my letter on XX/XX/XXXX and, according to the Fair Credit Reporting Act, they have 30 days to verify the account. If the company can not produce the proper documents within that time frame, they MUST delete the account from the 3 bureaus immediately. It has been well over 30 days and Citibank has not sent me any documentation. They are therefore in violation of the FCRA and I want them to comply with the law by deleting this account from my 3 credit reports immediately. If they do not comply with the law, I intend litigate. I have attached supporting documentation.
Complaint sub-issue: Old information reappears or never goes away

Im not sure how to categorize my complaint I chose the best option. This one alleged debt of reporting twice on many consumer reports looking as two alleged debts. I have tried to dispute this information several times. I have asked for validation of this account more than once and have not gotten any validation information proving this debt belongs to me. As a federally protected consumer they are violating my rights and violating the laws under the FCRA. Why would this one alleged best be reporting more than once on my consumer reports? They are damaging my reputation and inaccurately reporting information about me. 
For years they have been reporting this alleged debt for years and it is causing harm to me as a consumer as well as violating my consumer rights.