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

during a tour of XXXX last XXXX my banking information was stolen along with {$4500.00} in cash. I immediately notified Citibank and asked for a new bank card. It was to arrive in XXXX in two days, it never arrived. We waited 3 extra days at the hotel ( at {$100.00} a night ) but still no card. We had to borrow  money from our traveling companions. I came all the way back to XXXX XXXX ( the closest Citibank ) and got a temporary card. They were to send me a permanent card to our hotel in XXXX AZ but it never arrived. I was angry and tried to close the Citibank account but they would not close it. I started an account in another bank and attempted to transfer the {$3000.00} balance to my new bank but they would not do so, said I only had {$1100.00}, not the {$3000.00} I had previously seen on deposit. I then asked Citibank to send the account ledger for the last 3 months and they ignored my request, several phone calls later plus written requests were ignored. I still do not know what happened to the missing {$2000.00}. I want an account for deposits and expenditures for XXXX, XXXX, XXXX and XXXX of 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 the account ( A ). It is not permissible to fail to validate the reporting account 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}
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX {$2600.00} Paid, closed 19 charge-offs Account number XXXX, Date opened XX/XX/XXXX, Account type Auto Loan Balance Loan Amount {$2600.00} This was included in BK in XX/XX/XXXX, the car was turned in as it was my ex wife 's daughter, It's being reported as a late payment every single month for the last 19 months, this should be removed due to the 7 year and/or these lates should be removed from my credit report.
Complaint sub-issue: Account information incorrect

am writing to delete the following inaccurate, contradictory information in my file. The items I need deleted are listed in the report. 
I did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated.
Complaint sub-issue: Debt is not mine

Dear sir/madam, I want ESCALLATE to remove the negative report they noted on my credit report because I do n't own the debt in question ( MEDICAL BILL ). They have to remove that from my credit report IMMEDIATELY
Complaint sub-issue: Their investigation did not fix an error on your report

I am writing again in response to a notification on my credit report. The files reported are inaccurate and erroneous and its leading to a negative impact on my credit file. I am including proof with this letter and the following accounts on the credit report are incorrect. 
XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7700.00} XXXX XXXX XXX Date opened XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXX Date opened XX/XX/XXXX Balance XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

On XXXX of XXXX I received several notifications showing that my consumer credit score was decreased. It is XX/XX/2021 I havent received any letters in the mail as of why the accounts were re inserted on to my consumer report. I called and asked to give me evident information on the investigation and who was contacted, what day, Ive also asked for the original application of these accounts with my signature. I did not receive any documents, notes, or verification on who opened these accounts. I have sent in certified receipts and I didnt receive any response for disputes and this previous dispute I sent in a police report, FTC XXXX and after 100 days of sending the documents since XX/XX/2021 and it is now theyre trying to dispute it. Its been longer than 90 days that is passed what the federal law says. An agent mentioned that there is no law that is over their policies at the credit bureaus and I was hung up on several times and I had to call back. I called in and I was told that these are my accounts, I asked how. You can not falsely accuse someone of anything, I feel that is a crime of placing that onto me and defaming my character. This has harmed and dismantle my life, and is causing distress and homelessness, I have lost my job, it is the cause of inaccuracy and ignoring my voice and me as a human being. The accounts of XXXX XXXX was removed a year ago. I sent in viable evidence to show that the accounts was identity theft. My personal information was leaked through several breaches, Equifax Breach and several other breaches. With that being said the federal law states that 15 U.S. Code 1681i - Procedure in case of disputed accuracy. This is the federal law not a policy, mandate, it is a law that should abided not ignored. There for it becomes a major problem when I am treated unfairly of my rights under these federal laws that protects me as a consumer. 
( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Complaint sub-issue: Account status incorrect

Ive been having a problem with equifax where they will not update my credit score at all! Ive called them many times, I am also unable to login to their website. Ive even faxed and mailed my information, including social security number, billing address, 3 forms of government ID, utility bills, everything and they dont even try to help me. I have 4 different accounts that should have been removed because Ive filled disputes with and the results ended up with them removing the accounts from my credit reports expect for equifax. They also arent reporting my new credit cards either. I will provide screen shots of the accounts that need to be removed and proof that theyre removed from my other accounts.
Complaint sub-issue: Debt is not mine

I have contacted Jefferson Capital systems LLC, several times to stop harrasing and falsely reporting an alleged debt with a company that I never did business with, XXXX. This issue was settled and dismissed years ago but they have continued to harrass and unlawfully report and list on my credit report time and time again, this was removed from my credit report they they continue to report it time and time again in the last 3 years, just constant harrazment. I have threatened to report them to the FTC for trying to collect on a zombie debt that passed all time limitations. They also when I have complained they have sold this debt to other collection agencies for collection and the harrazment continues thank you XXXX XXXX XXXX XXXX,
Complaint sub-issue: Their investigation did not fix an error on your report

So I have ask this company XXXX XXXX for validation of this debt, thru a dispute process with the CB, and have yet to receive documentation that I opened or am the responsible party for the XXXX dollar debt reporting as a tradeline on my credit file. I have ask for a sign contractual agreement between myself and the company they are collecting for and will not accept anything other as validation.
Complaint sub-issue: Indicated you were committing crime by not paying debt

I have asked them to remove this account off of my crimes it. I still have an active account with them.
Complaint sub-issue: Trouble with how payments are handled

I have XXXX loans that are being serviced by AES. Due to the ridiculous 12 month limit for forbearance, I no longer have any forbearance as that was used when I went on maternity leave with each of my XXXX children. I have been unemployed for over a year and have done my best to keep up with the payments. I am a point where I can only pay for XXXX of the loans. I thought I was making the payment for XXXX loan, but as it turns out, AES was applying the payment I was submitting to both of the loans. Obviously, the amount was not enough to cover both loans. All this time I thought I was keeping up with at least XXXX loan, but just found out that my payment was being dispersed to both loans. Now I am delinquent on both loans. The loan I was trying to keep up with has a co-signer that I did not want to ruin their credit due my unemployment. I called AES and explained my situation but they refused to adjust the payments to the XXXX loan I was trying to keep current. By looking at the payments I have made, it is obviously to anyone looking at the amounts due on each of the loan that the payment amount matches XXXX of the loans ... .the XXXX I intended to pay. As a result of this obvious mistake I now have XXXX delinquent loans instead of XXXX AES refused to do anything to remedy this situation. 
This is the reason student hate private lenders. They refuse to work with you even when it 's obvious that a mistake was made. Something needs to be done about them because this type of situation is ridiculous! For those of you who are dealing with AES ... be sure to specify your payments otherwise they will distribute your payment in whatever way they want, not the way you want it. Apparently you can not make any mistakes when it comes to private lenders.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX violated my right to privacy. XXXX XXXX disclosed my nonpublic personal information to nonaffiliated third parties. See attachment delivered to XXXX XXXX on XX/XX/2022 at XXXX am, delivered by USPS confirmation # XXXX, regarding account # XXXX
Complaint sub-issue: Investigation took more than 30 days

The accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than XXXX business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX ) XXXX
Complaint sub-issue: Personal information incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous information reporting on my Credit Report : 1996
Complaint sub-issue: Other problem getting your report or credit score

I've contacted Equifax reps about 2 weeks ago regarding a more than 80 point drop in my score I noticed in the middle of XX/XX/XXXX. I had the My Equifax free product and I've painstakingly looked at the details of the available reports for XXXX, XXXX, and XXXX and they are virtually the same. And XXXX is not available for some reason ( see the attachment labeled Equifax Summary ). I upgraded to the XXXX XXXX on XX/XX/XXXX in an attempt to see when my score changed and indeed it's between XXXX and XXXX. Questions : if the reports are virtually the same between XXXX and XXXX, why would XXXX be different? And why did my score drop by over 80 points? Also, why is XXXX not available? See attachment labeled Equifax XXXX. After the rep continually talked about scoring and the obvious reasons it could change, I asked to speak to a manager. The manager said they would look into it and Id get something in the mailnothing as of XX/XX/XXXX. 
I sent an email on XX/XX/XXXX to CEO XXXX XXXX, XXXX XXXX XXXX and XXXX & XXXX XXXX XXXX explaining all of this. I included 4 of the attached documents detailing my Equifax information for the months XXXX, XXXX and XXXX. XXXX showed up when I upgraded and is attached with this communication, but is the same information albeit some new very small balances relating to XXXX. And I see that XXXX XXXX closed their account due to non-use. I got an email response from customer care that afternoon basically stating that there are several different scoring models and ways to dispute the info. None of the ways to dispute include a missing report or a huge score drop for no reason. Basically, I was blown off. 

Also, in the summary it shows XXXX 's score from Equifaxs point of view as XXXX ( Equifaxs upgraded plan gives scores from all bureaus ). I called and the rep told me that XXXX 's score is also calculated by Equifax from XXXX data... really? Because XXXX has me at XXXX. Again, see the attachment labeled Equifax Summary. I know there are differences in how scores are calculated but its usually in the same rangenot an almost 100-point difference between Equifax and XXXX. 
And an over 80-point drop in 1 month with Equifax for no apparent reason and a missing month that correlates with the drop needs to be corrected. Please help.
Complaint sub-issue: Called before 8am or after 9pm

This said collector was suppose to have removed my account from all 3 credit reporting agencies and still have not done so.
Complaint sub-issue: Problem with fees

I closed my Citi credit card on XX/XX/XXXX. On XX/XX/XXXX I was assessed a {$95.00} annual fee for the 12 month period from XX/XX/XXXX - XX/XX/XXXX. Upon contacting Citi around the issue I was told the annual fee would be refunded to my account within 1-2 statements. I thus dutifully paid this annual fee as otherwise I would have been assessed a late fee.This refund never occurred. On XX/XX/XXXX I contacted Citi via phone and explained that I never received the {$95.00} refund. I was told that the refund could be expected via a check within 10 days, or by XX/XX/XXXX. 

I have spent 6+ hours in web chats and phone calls trying to sort out this situation with Citi , to no avail. As of XX/XX/XXXX I am now being told that the {$95.00} will be credited to my account on XX/XX/XXXX. Citi 's story keeps changing. I would like to be ensured that I will receive the annual fee refund, as well as be compensated for my time and the hassle. Citi should not be treating their customers in such a way.
Complaint sub-issue: Investigation took more than 30 days

I wrote the three credit bureaus, XXXX, Equifax and XXXX. I sent my disputes certified mail. None of this companies has responded.
Complaint sub-issue: Information belongs to someone else

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
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 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
Complaint sub-issue: Can't use card to make purchases

I submitted complaint id XXXX XX/XX/2019 my personal loan was created in bad- faith as to the terms. 
The representatives were deceptive as included in the recorded call supplied from XX/XX/XXXX Correspondence was never sent to me as requested. 
My credit card spending privileges have been suspended despite making timely payments
Complaint sub-issue: Right to dispute notice not received

i send a letter to ENHANCED RECOVERY COMPANY to dispute the validity of alleged debt in the entirety of {$830.00} from the creditor known as XXXX for an alleged disconnected mobile service.My specific dispute with ENHANCED RECOVERY COMPANY alleged debt is based on the fact that i only have 1 month service to XXXX.I am requesting them that the following information be supplied ; a detailed description of the service for which this alleged debt is owed ; an itemized description of how the alleged debt was calculated ; and copies of document showing that i agreed to purchase any product or services to XXXX they did not send me any letter about this alleged debt i only know this when i check my credit report.
Complaint sub-issue: Information belongs to someone else

I have hard inquiries on my credit card file for things that I did not apply for and it is affecting my credit. 

XX/XX/XXXX - XXXX XXXX  ( Hard Inquiry ) XX/XX/XXXX - XXXX ( Hard Inquiry ) XX/XX/XXXX - XXXX Card ( Hard Inquiry ) XX/XX/XXXX XXXX ( XXXX  XXXX XXXX XXXX ) XX/XX/XXXX - XXXX XXXX ( Hard Inquiry ) XX/XX/XXXX - XXXX Payments ( Hard Inquiry ) XX/XX/XXXX - XXXX XXXX XXXX ( Collection ) These companies have hard inquires all over my record and it is negatively effecting my credit score. This is ridiculous and these companies should be tarnished.
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/2019 Citibank converted a hold that the XXXX placed on my account to a charge. I did not pay for my stay with my Citicard. I only used it to hold the room. The hotel comped one night of the stay. My mother paid for the remaining balance of the stay with her credit card.
Complaint sub-issue: Debt was result of identity theft

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on I C SYSTEM ( XXXX XXXX ) XXXX Balance {$660.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/XXXX I wrote a letter disputing a PUBLIC RECORD : Bankruptcy that is reporting on my consumer report in error. I want this account verified in my requested, I did not get a response. I wrote a follow up letter XXXX XXXX. I still have not recieved a response or any updates via mail, email or on my credit report. So I am excersing my rights : according 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting.

The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Complaint sub-issue: Information belongs to someone else

I have tried to dispute 2 accounts that do not belong to me with XXXX. They have refused to remove these fraudulent accounts to no avail. They are in violation of the FCRA.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent 50 pages dated Todates here nows ones days XX/XX/XXXX, XX/XX/XXXXyear ( s ) s towards Equifax a dispute to update my name change decree on the credit file website became in fax option communication by telephone help on Equifax.com membership I had have had am to becoming of me towards having I pay paid for by plan of wellness action. The fax was sent went through to the number provisioned given no not one response, no change to the credit file name sakes XXXX XXXX XXXX XXXX, name change decree addendum inside its page ( s ). This is XXXX XXXX year I sense. I sent beginning of papers on trust account to the service online personnel help provisioned fax number to me to use to submitt stating he could is to update the name in the computer member system receiving towards the fax I am sent papers on not a credit file can be found pertaining to my personal information comments to a XXXX  card is not an state issued SSI card it is in the dates created to use, the card a ssi card to my name XXXX XXXX XXXX I was born aka also known as by government to use at times XXXX. The Equifax is rude biased out to date me, Im youthful. Descrimination by age is did occuring todate XX/XX/2021. Please correct this by having the credit brutes update the name decree towards XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX I did get a suffix in my last names sakes to the first middle name intials. XXXX is to my name today spent moneys time energy towards their communications in XX/XX/2021 by us postal mail. I didnt receive mail at the correct address listed. The address on the file is outdated the apartment number isnt effective efficient effical to doing 1 % business at me, mine file, to a 100 % mean median ratio average personnel experienced on deck credit bureaus decades todate, today XX/XX/2021. Thanks for having them update the account to my mobile home address I own at XXXX XXXX XXXX XXXX Ca XXXX its reminder is great! Thanks XXXX XXXX XXXX XX/XX/2021 XX/XX/2021 XXXX XXXX XXXX XXXX An addendum to XXXX XXXX XXXX at XXXX Ca XXXX.
Complaint sub-issue: Problem getting your free annual credit report

In putting my personal information in so I can have access to my credit report on XXXX XXXX XXXX From EQUIFAX Credit Report I click Equifax it said ready to get your report? Please enter the last four digits social security number to confirm your request and access your personal credit data. I do all that it ask it still will not let me have access to my credit report .I answer all security questions correct.still no access to my credit report on line. Equifax will mail me out one with no problem just received my report by mail 3-weeks ago. Equifax will let me access MY EQUIFAX.COM that they offer online but refuse to give me online access annual Credit report.