Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem accessing account

My Citibank online account is locked recently. I tried to reset using " Forgot Password '' feature on citi.com website. I entered all the information ( credit card number, date of birth, social security number, secret word etc ) correctly, but I saw the same error " Account Locked '' multiple times. I called customer service number, and they are asking me for the debit card or savings account number. I don't have any of them at this time. I opted for online statements and never downloaded any statement. I lost the debit card and never used it for any transactions. The agent suggested that I visit a near by branch to order debit card again. But, there are no Citi banks in Texas ( I currently live in XXXX area ). There are no other options at this time for me to unlock my account or order the debit card. I requested them multiple times on the call to provide alternate options and I am ready to upload driver license, social security card, and share Citi credit card details ( the online account is linked to my savings and credit card accounts ). But, the bank wants only debit card or savings account number. I don't have that info and I have no way to get that info unless I travel to a state where Citi bank branch is present. This is unacceptable because they have no way to help customers in states where there are no branches.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

according to the Fair Credit Reporting ACT, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Singnautre on it ) you have on file of the accounts listed below.your failure to positively verify these accounts has hurt my ability to obtain credit.Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Complaint sub-issue: Reporting company used your report improperly

My right 's have been violated in accordance with the fair credit reporting act.
Complaint sub-issue: Their investigation did not fix an error on your report

I'm getting increasingly more disappointed with your organization. After discovering these blunders being accounted for on my credit report I have made the essential strides to illuminate all of you regarding the mistakes. By and by all of you are not doing your part to determine my issues. My family and I are getting exceptionally fretful. My lawyer advised me to send this letter to alarm you these blunders prior to making a legitimate move. I'm an individual that goes to work ordinarily to ensure my family have equivalent freedoms actually like every other person. I'm a shopper that will not be a survivor of provocation or misuse. As indicated by 15 USC 1692d 1. ( 1 ) the utilization or danger of viciousness or other criminal intends to hurt the actual individual, Notoriety, or property of any individual ; is an infringement of the Reasonable Obligation Assortment Practice Act. Detailing bogus data on somebody's credit report is unfavorable to a shopper 's standing. Sending letters an endeavor to gather obligation from a shopper who obligations don't have a place with is likewise a type of provocation which is another infringement of 15 USC 162d 1. ( 1 ) Continually sending letters that has images of an obligation authority outwardly of letter is an infringement of the utilization or Danger OF Brutality or other criminal intends to hurt the actual individual, notoriety, or property of any individual ; is an infringement of the Reasonable Obligation Assortment Practice Act. Additionally as indicated by 15 USC 1681 ( A ) Precision and decency of credit announcing The Congress makes the accompanying discoveries : ( 2 ) An intricate system has been produced for exploring and assessing the credit value, credit standing, credit limit, character, and GENERAL Standing OF Purchasers. You can survey my acknowledge report as proof to see that my standing indeed has been demolished. This part unmistakably says that a customer 's credit report was set up to recognize an Overall Standing OF Purchasers. Likewise, I expressed before I was a casualty of the Equifax Information Penetrate.
Complaint sub-issue: Their investigation did not fix an error on your report

SEE ATTACHMENT. I HAVE RECENTLY DELETED THIS ACCOUNT TWICE AND IT CONTINUES TO REAPPEAR ON MY CREDIT REPORT THUS BRINGING DOWN MY CREDIT SCORE. IT IS DISRUPTING ME TRYING TO BUY A HOUSE.
Complaint sub-issue: Their investigation did not fix an error on your report

I filed for Bankruptcy in XX/XX/XXXX. XXXX XXXX XXXX also known as XXXX-XXXX XXXX ( account # XXXX ) was included in the bankruptcy. 

I currently have an auto loan and credit card with XXXX XXXX. XXXX XXXX provides a credit monitoring service ( XXXX XXXX ) to it's member. On XX/XX/XXXX, XXXX XXXX informed me that my credit score was XXXX. 

Early XX/XX/XXXX, I received an alert from XXXX XXXX informing me that my credit score had dropped by 11 points. 

I immediately purchased membership to XXXX ( $ XXXX/mo ), Equifax ( $ XXXX/mo ) and XXXX ( $ XXXX/mo ) in order to investigate and dispute the matter. 

I found that XXXX XXXX XXXX also known as XXXX-XXXX XXXX ( account # XXXX ) had reported payment status to all three credit bureaus which caused my credit score to plunge. 

I filed a dispute with all three credit bureaus. The results came back the same, XXXX XXXX XXXX also known as XXXX-XXXX  XXXX ( account # XXXX ) confirmed that this account was part of the bankruptcy and that they should not be reporting on this account. 

However, to date ( XX/XX/XXXX ), my credit score still has not recovered. Equifax at the time XXXX/XXXX reported in XXXX, my score was XXXX. Today it is currently XXXX. XXXX at the time XXXX/XXXX reported in XXXX, my score was XXXX. Today it is currently XXXX. XXXX at the time XXXX/XXXX reported in XXXX, my score was XXXX. Today it is currently XXXX. 

Today, as I prepared my evidence to upload, I noticed that the last date that XXXX/XXXX reported to Equifax was XX/XX/XXXX. XXXX/XXXX is still reporting and ruining my life. The current XXXX report does not reveal the last date reported. XXXX XXXX website is having technical difficulties so I was unable to retrieve a current report. 

My credit is damaged. I can't apply for many of the credit card offers that I have received since XX/XX/XXXX. I would like to change my residence. I would like to rent a single family home, but I would not qualify for the rental of a house, in an area of my liking, with this damaged credit. 

I dont know where to begin to attempt to figure out how high my credit score would be if XXXX/XXXX  had not committed this error. All I know is the XXXX/XXXX has caused me and my credit status grave damages and this must be rectified immediately if not sooner.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

All of these companies need to be removed from my inquires immediately.
1. XXXX XXXX XX/XX/XXXX 4 ) XXXX XXXX XX/XX/XXXX 2., XXXX/XXXX XX/XX/XXXX 5 ) ..XXXX XXXX/XXXX XX/XX/XXXX 3., XXXX XXXX XXXX XX/XX/XXXX.
6 ) XXXX XXXX XXXX XXXX, XXXX..XX/XX/XXXX.
7 ) XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Account status incorrect

I received a notification that my credit score dropped by 60 points due to a delinquency from the merchant ( Key Bank ). In XX/XX/XXXX, I had my mortgage deferred due to the COVID-19 relief offered by the bank and a new monthly payment was established for {$1100.00}. I made all payments on time from XX/XX/XXXX to XX/XX/XXXX. In XX/XX/XXXX, I paid the account total due, but was late making my payment by a few days and was assessed a late fee ( which is okay as I was late ). I was not, however, 30 days past due. The bank reported me as such which caused my credit score to drop. I contacted the bank and they advised me to fill out an online form on key.com and that it will take 30 days for review. After filling out the online form, however, I never received a confirmation that the request was received ( ex- confirmation email ). Today, I called customer service and made an online payment over the phone, however, the representatives were unable to confirm that my request was received and told me to contact my credit reporting company. I really appreciate Key Bank and the assistance they provided me with my mortgage relief during these troubling times. I have followed all directions they have given, and feel that it is unfair that they are impact my credit. I had no concerns, thought this was a simple mistake, and that this credit reporting error will rectified until today. Because I was not able to obtain confirmation that my credit reporting concerns were being looked into, I am seeking further assistance.
Complaint sub-issue: Investigation took more than 30 days

I have a collection account on my Equifax credit report that I disputed on XXXX by sending in a verification letter that was certified mail and signature redturned.XXXX Equifax received my dispute.30 days passed with no response so I mailed in a 30 day demand to comply letter to Equifax certified mail signature returned. It took till XXXX for Equifax to respond by mail to say that the account was verified.XXXX I mailed a method of verification letter asking for them to provide me with the names and or business they verified the information with, the date the information was furnished, the method of communication that was used, what the money is owed for, and any contract I signed to pay the money. Then on XXXX I received a letter saying the account was verified but they did not have any proof of how it was verified. All documentation is available if needed or requested.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/2014 with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Account status incorrect

Two companies are at fault. The first agency is Equifax. I can't believe they are still in business and used by so many companies. I have tried for weeks, probably 20 times, to dispute an item and the website never works. When I finally tried to call ( as website directed ), I was transferred twice and then the " rep '' stated the system was unavailable and to call back in a few hours. She was clearly lying per script. Outrageous. XX/XX/2019 The submitting collections company is XXXX XXXX  - I called and informed them the account in question was fully paid and asked that they inform both XXXX  and Equifax. The original creditor explained they have a 30 day rotation before they would infowm XXXX  and recommended I contact XXXX  directly. I gave XXXX the confirmation number from my payment and they refused to update my report. They repeated the same excuse that they needed to verify with the creditor but, could not contact creditor and would have to wait to be updated by them. Terrible response. Item is still on my reports.
Complaint sub-issue: Old information reappears or never goes away

I disputed accounts that were reporting incorrectly on my credit report. After the investigation was completed. I received an updated report from Equifax showing the accounts had been deleted. Well 2 days later all the accounts that were disputed and removed were placed back into my account. Also all my closed student loans that have been consolidated were placed back on to my report as individual accounts. I called the credit reporting agency and was told I need to dispute the items all over again.
Complaint sub-issue: No notice of investigation status/result

EQUIFAX has verified XXXX collection accounts ; the accounts XXXX XXXX AND XXXX XXXX are a duplication on the credit report ... .even though the collection is a difference of 12 dollars..they have XXXX collection accounts for a XXXX service of XXXX, the original creditor .PLEASE DELETE XXXX ACCOUNTS
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX. 
YOU ARE REAGING THIS DEBT ILLEGALLY, THERE HAS BEEN NO ACTIVITY ON THIS ACCOUNT, NO PAYMENTS, AND NO CONTACT, AND YET YOU CONTINUE TO ILLEGALLY REAGE THS DEBT BY CONSTANTLY UPDATING THE DATE OF LAST ACTIVITY. THERE IS NO ACTIVITY ON THIS ACCOUNT, AND YOU ARE VIOLATING FDCPA BY PRVIDING FALSE INFORMATION TO THE CREDIT BUREAUS, PROOF IS IN THE 2 CREDIT REPORTS I AM SUPPLYING. I AM DEMANDING THAT YOU IMMDETIALY DELETE THIS INFORMATION, AND CLOSE THIS ACCOUNT FOR VIOLATIONS OF THE FCRA, AND FDCPA. I USED THE CASE LAW US VS NCO INCORRECTLY, THIS IS HOW IT NEEDS TO BE USED. YOU ARE COMMITING THE SAME VIOLATIONS AS XXXX, AND YOU ARE COUGHT, THE PROOF IN IN MY CREDIT REPORT! YOU ARE DOING THIS MALICIOUSLY TO KEEP THE DEBT CURRENT, AND EXTEND THE SOL DATE AS TO WHEN THIS ITEM WILL FALL OFF OF MY CREDIT REPORT! YOU ARE DOING THIS ON ALL OF THE ACCOUNT ON MY CREDIT REPORT! THE DATE OF FIRST DELENQUENCY SHOULD BE SHOWN AS XX/XX/2018 WHEN THE BILLS WHERE GENERATED. YOU ARE DOING THIS TO DO CONTINUIOUS DAMAGE TO MY CREDIT AND SCORE, AND ADD TIME TO WHEN THE ACCONT WILL FALL OFF MY CREDIT REPORT. THIS IS NO ERROR, I HAVE EVIDENCE THAT YOU ARE CONTINUING TO UPDATE THIS DATE. 


XXXX XXXX XXXX XXXX, YOU HAVE REPEATEDLY SAID THAT THESE DEBTS ARE VALID, AND YOU SENT ME A VALIDATION PACKAGE, CONTAINING MY MEDICAL BILLS, INCLUDING MY TREATMENTS, WITHOUT MY HIPPA CONSENT FORM. YOU ALSO ARE REAGING THE DEBT IN VIOLATION OF THE FDCPA, AND FCRA. YOU HAVE DONE THIS ON ALL ACCOUNTS SHOWING ON MY CREDIT REPORT! YOU HAVE ALSO REAGED MY DEBTS BY UPDATING THE DOLA, IN  VIOLATION OF THE FCRA! 

XXXX XXXX THIS COMPANY HAS RE-AGED MY THIS COLLECTION BY CONTINUING TO UPDATED THE DATE OF LAST ACTIVITY, THERE IS NO ACTIVITY ON THIS ACCOUNT, AND THIS IS FALSE REPORTING. 

YOU HAVE FAILED TO CONDUCT A REASONABLE INVESTIGATION.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I called Equifax yesterday when I noticed a account hit my credit report that looks to be open since XXXX but shows up yesterday with 8 missed payments, for a business account, I have never heard of the company. I filed bankruptcy in XXXX why would I not include the account if it was mines along with the other accounts? What business do I have? This company doesnt even reflect a complete entity business name on the report, address or phone number. Im in the middle of closing on a property and this will make me lose my approval. I have never paid any accounts late even though I filed bankruptcy. This is an error I promise it is. Please delete this immediately. 
The live person said he was transferring me to the dispute Dept and sent me to the ivr that said it couldnt verify my identity. Please help me
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 items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated 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
Complaint sub-issue: Account status

In XX/XX/XXXX, I defaulted on XXXX properties in Arizona. The mortgage on XXXX was held by XXXX XXXX. They foreclosed, sold the property at auction, and closed the loan. The loan shows as foreclosed and closed on my credit report, balance due XXXX. All good. 

The XXXX property, my primary residence, mortgage was initiated by XXXX XXXX and is now held by XXXX Bank. They foreclosed and sold the property at auction for {$330000.00} on XXXX. 

However, the loan still shows active on my credit report, for the entire original balance of {$510000.00}. The report shows a $ XXXX monthly payment due, XXXX years in arrears. Additionally, I still get collections calls and letters. It is my understanding that XXXX Bank has no legal right to do this.
Complaint sub-issue: Their investigation did not fix an error on your report

Consumer reached out to students loan providers to remove inaccurate lates, duplicates and loan provider has not removed inaccurate information off report. Im requesting that these accounts be deleted ASAP as I no longer have these accounts and it was communicated that they would be deleted
Complaint sub-issue: Need information about your loan balance or loan terms

Unable to reach /talk with a real human to loan rehab my default loans. 
Mailed 2 {$5.00} payments to XXXX XXXX  in XXXX, wi but no one will talk call me back to resolve the matter.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Checked my credit report and noticed unauthorized inquiries. Tried to get the issue resolved to no avail. Was told that the inquiries would be deleted but they still show on my credit report.
Complaint sub-issue: Problem with personal statement of dispute

My credit limit was lowered from {$13000.00} to {$1500.00} at XXXX XXXX. {$8500.00} to {$4000.00} at CITI bank. This caused my XXXX credit score to lower l because of the credit utilization increase to XXXX  %, which in turn raised my Interest rates on the cards. This negative effect was caused by the 3 agencies. XXXX, XXXX and XXXX. 
My XXXX  score was XXXX and dropped down to XXXX overnight.
Complaint sub-issue: Information belongs to someone else

The company is XXXX XXXX I have never dealt with this company before. They are sending letters saying that I had two XXXX XXXX credit cards that I never opened up before. Under provisions of public laws 95-109 and 99-361 also known as the Fair Debt Collection Practices Act, I'm requesting that they immediately cease and desist all attempts to collect the debt. Failure to comply with this law will result in me filing a complaint with the Federal Trade Commission and the Attorney General. Equifax is also reporting this information with no proof of validation of this debt. I have contacted XXXX XXXX and they were unable to validate this.
Complaint sub-issue: Account information incorrect

Equifax is reporting an old account on my report, via XXXX XXXX XXXX XXXX, as a charge off. This is inaccurate. This account has been closed and settled for years. I am not liable for any debt, there is no amount unsettled. I demand XXXX  XXXX XXXX XXXX provide evidence that I have not settled this account or that I am in any way still liable for any amount of money on this account. If any negative remarks are not removed from my report, I will file suit under the Fair Credit Reporting Act with both XXXX XXXX XXXX XXXX and Equifax. This is consumer harassment, and I will not stand for this kind of slander being stricken against me. I do not Owe XXXX  XXXX XXXX   XXXX a dime, and they know it, and Equifax should not be reporting this account as a Charge Off. It should be deleted entirely for this outrageous offense, but at minimum any negative remarks on it should be removed from my credit report.
Complaint sub-issue: Billing problem

I was impacted on the last XXXX XXXX XXXX, called my auto company Ally Financial and worked out an agreement with them to avoid any negative impact to my credit file. Now looking at my credit file Ally marked me as a 30 day late. Please help
Complaint sub-issue: Information belongs to someone else

I have made several attempts to dispute with XXXX, Equifax, and XXXX under Identity Theft ( FCRA Section 605b ), yet to no avail. As a victim of a security breach I have presented the necessary Law Enforcement documents and Personal Identification documents and yet no response or movement towards resolving the matter.
Complaint sub-issue: Personal information incorrect

Student loans on account was reported as identity theft and the investigation has went past 90 days. An Identity theft was filed in XX/XX/2019.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I recently submitted disputes to the credit bureau Equifax I frequently do this whenever I see that incorrect information is being reported on my credit report however after submitting a dispute today XX/XX/2021 I noticed that the dispute no longer needed to be active the correct balance Was in fact listed on my credit report so there was no need for a dispute any longer I contacted Equifax and was told that there was nothing they could do I have made repeated attempts to contact XXXX  without being able to actually speak with someone and theres no option to email customer service so high in accurately reported dispute information how is it not possible to get that fixed I want disputes on there that are correct but I dont want something thats incorrect Bing on my credit report Equifax has made it absolutely impossible to Cance to get a hold of someone I am shocked that Im not only asking that the dispute be removed Im just asking that it be resolved or closed if its no longer needed then why can it not be closed. Im beyond XXXX XXXX  at this, they want to make sure everything is is accurate but I cant resolve something thats inaccurate on my own report
Complaint sub-issue: Information belongs to someone else

I placed a fraud alert on my credit report on XX/XX/2021 as I noticed several credit inquiries on my credit report. 

Several credit providers rejected the person trying to use my identity. Only one extended credit, Carvana. They sold the person a car and provided him/her a loan on XX/XX/2021. Approximately {$35000.00}. 

I have contacted Carvana several times. I have filed a police report, but they don't like the format. They refuse to remove the item from my credit report. It now shows as delinquent. They want me to jump through several hoops ( including having the police department do things I can't make the do ) before they will remove it. I plan to buy a house in the near future and they are impacting my credit negatively ( my XXXX score dropped over XXXX points ). Carvana has very poor controls and it is impacting consumers.