Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account information incorrect

I have tried to communicate through Attorneys to resolve the inaccurate information on my credit report with XXXX XXXX XXXX. and XXXX XXXX. XXXX XXXX agreed to correct the inaccurate amounts owed and remove the negative reporting of Three ( 3 ) XXXX XXXX/ XXXX XXXX accounts from my credit report, once the accurate amount was paid. I agreed and paid the accurate amounts. XXXX XXXX/ XXXX XXXX reneged on our agreement and continued to allow the inaccurate information to be reported by XXXX XXXX and XXXX XXXX  companies, which consisted of duplicate accounts with different account numbers. 

1. ) XXXX XXXX XXXX is a agency assigned by XXXX XXXX and XXXX XXXX to handle this account reference # ending XXXX. 
I paid {$260.00} dollars to accurately resolve and ( Pay in Full ) this account on XX/XX/XXXX. 
***Paid in Full Letters Provided*** 2. ) XXXX is a agency assigned by XXXX XXXX and XXXX XXXX  to handle this account # XXXX. 
I paid {$200.00} dollars to accurately resolve and ( Pay in Full ) this account on XX/XX/XXXX. 
***Paid in Letters Provided*** 3.XXXX is a agency assigned by XXXX XXXX and XXXX XXXX to handle this account # XXXX. 
I paid {$130.00} dollars to accurately resolve and ( Pay in Full ) this account on XX/XX/XXXX. 
***Paid in Letters Provided***
Complaint sub-issue: Account information incorrect

I have been a Citibank customer since XXXX. In XX/XX/XXXX I opened a new credit card account. when I realized the membership fee was {$450.00} I called the company within 6 weeks to cancel the card and to get a reimbursement of {$450.00}. I was told this would be done promptly. I then continued to get statements from the bank. I then called again in XXXX. I was put on hold numerous times, and eventually disconnected after being told that I had never called a few earlier, even though I had. The person I spoke to told me it was " too late '' to get a reimbursement of the fee. Eventually I called back a few months later and convinced a supervisor to fully refund the membership fee and close the account. In the meantime, and unknown to me, the bank reported two payments ( XXXX and XXXX ) late. Had the membership fee been properly reimbursed when originally requested, I would not have been reported to credit bureaus as being 30 days late. This has adversely affected my credit score : I have had NO delinquencies over 30+ years and had a credit score well above XXXX however now it is around XXXX. The bottom line is that the bank put roadblocks in my attempt to secure a reimbursement of my membership fee and to close my account. I don't know if this is a systemic issue or not so that consumers can not close accounts and get reimbursed but I spent countless hours trying to accomplish a simple task : to close a credit card account and to secure a reimbursement of a membership fee. Not only was I stymied, but now my credit score has been impacted.
Complaint sub-issue: Deposits and withdrawals

My complaint involves two banks, XXXX XXXX XXXX XXXX, and Citibank. 
I did my banking with XXXX for several years. XXXX is a very small bank with very few branches in all of XXXX XXXX XXXX, and most of them in very inconvenient and dangerous locations. I found the service to be poor, and often uncooperative, so I decided to close my account. I decided to open an account with Citibank. I attempted to close my account with XXXX and they refused to allow me to do so. They basically held my funds and refused to close my account. I opened an account with Citibank and requested their help with XXXX XXXX The Citibank representative told me that I could wire-transfer my funds from XXXX to my new Citibank account. I did so with three wire transfers, as I was not totally sure how the process worked. But before I could complete the transfers, all of my funds, both the XXXX and the Citibank accounts, were blocked. 
I am presently without any and all of my money. No one will give me any information, and I desperately need help.
Complaint sub-issue: Information belongs to someone else

fcra violations : XXXX XXXXXX/XX/XXXX Original creditor : THE XXXX XXXX XXXX {$850.00} Balance updated XX/XX/XXXX Hover over labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$850.00} {$850.00} Payment Info Original loan amount {$850.00} Balance {$850.00} Status date XX/XX/XXXX Additional info Comments Dispute resolved consumer disagrees Your statements - Contact XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XX/XX/XXXXXXXX Original creditor : XXXX XXXX XXXX - XXXX {$520.00} Balance updated XX/XX/XXXX Account Info Hover over labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$520.00} {$520.00} Payment Info Original loan amount {$520.00} Balance {$520.00} Status date XX/XX/XXXX Additional info Comments Account information disputed by consumer Your statements - Contact XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this accountXX/XX/XXXX Original creditor :XX/XX/XXXX$520.00} Balance updated Account Info Hover over labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Account Paid off : 0 % Balance on Loan Amount {$520.00} - XX/XX/XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$520.00} Balance updated XX/XX/XXXX Account Info Hover over labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Open account
Complaint sub-issue: Information is missing that should be on the report

I'm filing another formal complaint in regards to a late payment negative account on my credit report for a vehicle loan payment opened in XXXX of XXXX, for {$25000.00}. I submitted a dispute with the company on XX/XX/XXXX. The entity never reported on my behalf to the credit bureaus to add a sentence saying " I disputed the negative item in question. '' I gave a 30-day window, and now its been almost 2 years. I believe this is a violation of the FDCPA section 807 ( 8 ) and FCRA Section 623 ( a ) ( 3 ). I've tried reaching the company by phone and mail. On multiple occasions. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. These payments were not late and must have been an error. The company is also reporting on an old address. I have recently sent letters to remove this address from my entire credit report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

someone used my name to apply for credit these inquires listed on my credit report are fraudulent i am victim of identity theft here are the inquires. 

FRAUDULENT INQUIRES : 1.XXXX XXXX  XXXX XXXX XXXX 2.XXXX XXXX XXXX 3.XXXX XXXX XXXX 4.XXXX  XXXX 5.XXXX  6.XXXX XXXX XXXX 7.XXXX XXXX
Complaint sub-issue: Account information incorrect

The following inquires are on my credit report without my permission and the credit bureaus will do nothing about them : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Debt was result of identity theft

Procollect INC tried to collect a debt that was not mine. They reported this debt to the credit bureaus knocking my credit down XXXX points. They replied to the last complaint saying that the debt was resolved but didnt report this to the credit bureaus. They lied about resolving this issue. I will be forwarding this complaint and their previous response to my attorney and the Texas Attorney General ( Midterms ) so that they can investigate their fraudulent claims.
Complaint sub-issue: Old information reappears or never goes away

My identity was stolen and continues to be used from time to time. My credit score was XXXX in XX/XX/XXXX and had been at the highest levels for my entire life ( I was XXXX ). In XX/XX/XXXX I was the victim of a major fraud, identity theft and since XX/XX/XXXXhave had a credit score that prevents me from obtaining a credit card, a home loan etc. The identity thief continues to open an account occasionally with my ss number and I can not persuade any of the 3 reporting agencies to remove false information, remove outdated negative information or remove information that the creditor advises that it has not and is not reporting to the agency. Some creditors respond that I must prove a negative, that it isnt me? How do I do that? 

What to do as a victim of identity theft does not include : what to do to force the credit reporting agencies to remove fraudulent information completely? 

I have done everything from a legal standpoint that can be done. Filed identity theft affidavits, disputed information, requested removal, required investigation of the account ad nauseum. I am an attorney. The thief will not stop and it had been 10 years. 

Only the federal government directing the agencies to repair my file is going to be effective. Private civil suits are notoriously unsuccessful. And there is no compensation adequate for loss of credit access. Its ruins lives. The US attorney, FBI, local DA will not prosecute the thief because it is not important enough for thier resources.
Complaint sub-issue: Investigation took more than 30 days

Tried to call the credit agencies about the incorrect information on my report each one requested a ftc report. They said once they receive a ftc report they will cooperate and take the inquiries off my report.
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report # XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX  XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX NC XXXX, XXXX XXXX
Complaint sub-issue: Need information about my balance/terms

I took out a loan for US {$13000.00} from Sallie Mae to pay for my first year of XXXX tuition at XXXX and, after the semester started, requested a refund of the small cash difference. After much argument and delay, XXXX 's sent me a refund. However, there is still roughly US {$340.00} missing and unaccounted for, despite my formal XX/XX/2016 complaint [ attached to this CFPB complaint ] to XXXX ( who had no response ), the Department of Education ( who had no response ), and Sallie Mae ( who claimed it 's not their problem ). 

At this point, I consider the money missing/stolen, yet I am still paying interest and principal on these missing funds. Moreover, the " it 's not our problem '' approach from Sallie Mae -- my lender -- is as wildly unacceptable as the non-response of XXXX 's to inquiries from both myself and Sallie Mae.
Complaint sub-issue: Didn't receive enough information to verify debt

I contacted Amerifinancial Solutions via. phone call XXXX. Upon answering they demanded for my social security number which I gave them, along with my name. I talked to an agent named XXXX. I confirmed with him that the total debt of XXXX was correct and I would be willing to pay it. I asked if when I pay it that he would clear it from my credit history, he said yes. I asked if he could send that to me in writing he said they dont give anything written and that my assurance was on the recorded phone call. This did not sit well with me, so I said I will call them back later. After thinking about it, I figured I could see if I could record on my end, the conversation as my evidence of our agreement. I called the Collector a second time, this time the agent was XXXX. XXXX said that Maryland is a two party consent State and that he did not consent to me recording. I found this odd, since their automated system stated the phone call XXXX be recorded. I ceased the call at that point. I called a third time to try to get the Company Address to make a lump sum payment and got a PO Box address. I started to feel further uneasy about this Company and researched them. I found that on XXXX about their horrid business practice. Also furthered by more negative comments on XXXX  ( which Ive also filed a complaint ). I would wish to remove this debt from my credit history. Im willing to pay its full amount of XXXX however based on my research on this companys practice and my current interaction with them. I have no faith in them that my full payment would be properly applied to my debt and not removed from my credit history ( or at least, shown as Fully Paid Off ). I need help resolving this. I need a written statement on the Companys agreement with me and confidence that my full payment will be acknowledged and reflected in my credit history ( with the 3 Credit Bureaus, XXXX, XXXX, and XXXX, if applicable ).
Complaint sub-issue: Trouble closing card

I have been the victim of ongoing identity theft and people have tried opening numerous different accounts at different places using my personal information. After it happen the first time ( 5+ years ago ), I thankfully froze my credit and put a PIN on my IRS file. People have once again started using my information earlier this year to file a fraudulent employment claim, open several checking accounts and debit cards, a brokerage account, and a failed attempt to open a credit card. For the most part, I have been able to call the financial institution in question to get the fraudulent accounts closed relatively easily and in a fairly short amount of time and have received some sort of confirmation of account closure. The exception is CashApp by Square. Back in late XXXX, they mailed a fraudulently opened Visa debit card to a former address of mine ( thankfully it is my mother 's house ) that was issued under my maiden name. Immediately upon opening it upon the my next visit to my mother 's house on Friday, XX/XX/XXXX, I called CashApp to get the fraudulent account closed. It was very difficult to find any sort of phone number by which to reach them, but found a number on the sponsoring bank 's website ( XXXX XXXX ). Surprisingly, I got through fairly quickly and spoke to someone. However, he said I could not speak to a fraud team directly and he could not confirm whether there had been any activity on the account even if I provided him the card number. That seemed unfair to me, but he said he would send me an email where I could send the details and I would get a secure link to share the card details. I provided my email address and promptly receive a message from emailsupport@cash.app. However, I never heard anything else after that. I provided the requested summary of the situation via reply email the following day ( and the card data via the secure link ) and asked for written confirmation of the account being closed, confirmation of any activity on it, and ask that they flag their system so that no additional accounts could be opened with my name or personal information. Despite follow up emails to them, I never received a reply. Then, on XX/XX/XXXX, a second fraudulent card arrived at my mother 's house in my name. I spent all day today trying to call them back, to no avail. I called 17 different times between XXXX and XXXX XXXX today and received various different recordings that ultimately cut me off saying that no one was available to speak to me. Sometimes the recordings cited high call volumes, sometimes they referred me to the mobile app which I obviously do not have as I am not a customer, other times it just cut me off. It is unacceptable and unfair that there is not an easily accessible phone number for consumers to call to resolve issues of identify theft being perpetrated through their company.
Complaint sub-issue: Information belongs to someone else

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Complaint sub-issue: Account status incorrect

Kindly delete XXXX  XXXX XXXX from my credit report immediately due to your violation of section 611 ( c ) of the Fair Credit Reporting Act which clearly states Section 611 ( c ) of the FCRA provides : " Whenever a statement of dispute is filed,... the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumer 's statement or a clear and accurate codification or summary thereof '' Kindly see file attached which is a copy of a credit report which I received which is dated XX/XX/2022 which has the above mentioned violation. 
I previously got a credit report dated XXXXXXXX XXXX,2022 which had the same violation and I have already filed a complaint about that already. 
No where on the credit report is it mentioned that I have disputed the accuracy of the XXXX  XXXX XXXX account that is reporting on my credit report and this is a clear violation of the Fair Credit Reporting Act. 
Failure to delete XXXX  XXXX XXXX from my credit report will result in me taking legal action to recover damages under the Fair Credit Reporting Act.
Complaint sub-issue: Reporting company used your report improperly

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Complaint sub-issue: Information belongs to someone else

I recently discovered that I have been the victim of identity theft. Upon reviewing my credit report I noticed a negative account from XXXX and XXXX XXXX, as well as several addresses, places of employment, and phone numbers that were erroneously included in my credit file. These negative files are fraudulent and disparaging to my reputation. I would like them to be removed immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed account : XXXX XXXX XXXX Balance Owed : {$2600.00} - Please investigate the way this account reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy.
Complaint sub-issue: Information belongs to someone else

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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
Complaint sub-issue: Problem with rewards from credit card

My Citi Bank Visa ( XXXX XXXX ) has a " price rewind '' feature that if I find a lower price within 60 days of the date of purchase, they will credit me the difference. In XXXX of 2018, Citi changed the rules so that items from an " internet auction site '' are no longer eligible.

Here is a link to what is and what isn't covered : https : //www.citipricerewind.comXXXX I recently filed two 'price rewinds ' for some electronic items. A computer monitor that was {$70.00} cheaper than what I originally paid for it and a computer video card that was {$100.00} cheaper. I later found these items on sale at the XXXX XXXX XXXX  : http : XXXX XXXX is a pretty well known for selling computer parts but I believe that they have also opened this 'store ' on XXXX to gain further market share and exposure because they now they sell much more than just computer parts. 

Now I can understand Citi not wanting to 'price match ' and XXXX auction, but an XXXX  XXXX is not an auction - it is a sales platform. Brand new items, with warranties, return policy, etc are sold at a fixed price. In the instance of the computer monitor I filed a Price Rewind about, XXXX sold over 250 of them ( at  {$800.00} each ) through their XXXX XXXX. I view an XXXX XXXX as the same thing as a small vendor selling something through another well-known sales platform - XXXX I don't think it is right that Citi automatically disallows any purchases from an " XXXX XXXX '' and automatically label it as an 'auction site '. I think they are abusing that policy to avoid paying out on claims
Complaint sub-issue: Account status incorrect

My husband and I settled on a XXXX XXXX new construction on XX/XX/XXXX. During settlement we were told our mortgage will be sold within 30 days. On XX/XX/XXXX we received a letter from NVR Mortgage that our mortgage was sold to XXXX XXXX   XXXX. On XX/XX/XXXX NVR reported our mortgage loan to the credit bureaus. Even though our loan had already been sold, and payments were supposed to go to XXXX XXXX. NVR Mortgage reported the loan as Open and current status. Again our loan had already been sold. on XX/XX/XXXX XXXX XXXX  report the loan to the credit bureaus as an open account and current status with them. on XX/XX/XXXX NVR Mortgage reported the loan to the credit bureaus again. When my husband and i pulled our credit reports, we now have two open mortgage loans on our credit report ( one loan {$470000.00} and {$470000.00}. This is totaling a loan debt of {$950000.00} ). Both of our credit scores have dropped a combined 59 points. I have contacted our loan processor and settlement processor via email and voice message, and they have not responded. I have one mortgage loan, not two. My mortgage loan is with XXXX XXXX  XXXX not NVR Mortgage Company. I have requested for NVR to report to the credit bureaus that my loan account with them is closed and they no longer have my loan. Nothing has been done.