Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and here on the website here. This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am doing this on my own behalf and really need someone to help me with this.
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

On XX/XX/XXXX, we had 2 representatives from Home Depot come to our home to give us a quote for cabinet refacing. After about 2 hours of picking colors and design, they gave us a quote for {$27000.00}. They also told us that we can call Citi and let them know we are doing a project at our home to have our credit line increased to take advantage of the 2 year 0 % interest. In XXXX, we opened a Home Depot credit card that extended {$8000.00} credit line, we requested an increase to {$28000.00} which was declined. We called and spoke to several representatives and none of them would allow the increase. After researching online, this seems to be a repetitive practice of Citi and Home Depot. The sales rep and his manager claimed they very rarely have anyone denied for the increase. Our credit score is XXXX, household income of over {$300000.00} and {$50000.00} in savings. We have more than enough money to pay in cash for the project, but with 2 years at 0 % interest, we want to keep the money in our money market account. My husband and I are both in lending, been in our home for 15 years and on our jobs for over 4 years. After asking multiple representatives at Citi what the real reason was for the decline, they said that we would get a letter. This is unfair lending in every aspect. 

The reasons for the denial are completely inaccurate. All of our revolving debt is under 30 % in comparison to the balance. Most of the revolving cards don't carry balances. When asked about the additional denial reasons : length of time accounts have been established, too many accounts with balances and time since opening most recent account opening is too short. We asked how long accounts need to be established, how many accounts can we have open with balances and how much time we need since opening the most recent account, the Citi representative said they could not give answers to those to consumers. I asked why they couldn't and the representative said that if they told me that, everyone could get approved for no interest credit and they would go out of business. So, long story short, Citi offers a Home Depot store card at 0 % interest, but will not tell you their guidelines for obtaining the offer and therefore engages in deceptive lending practices.
Complaint sub-issue: Account information incorrect

Per federal my syates laws, you must affirm and confirm any and all allegations of claims yet still unproven which all three credit bureaus havent been able to do.I requested for them to provide me with all of the4 information they used for their investigation, as required by FCRA 611 ( a ) ( 7 ) and requested that they delete the negative item as original requested.
Complaint sub-issue: Account information incorrect

Equifax, will not allow me to dispute my XXXX XXXX, Equifax customer service rep, XXXX made up security identification questions to verify my id, I already verify my identification once but was required additional information not disclosed in my credit report. Equifax has violated the Fair Credit reporting act by reporting false information and not allowing me to dispute my credit file.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I made charges to a repair shop on my citi bank card for {$8500.00} in total to repair 2 leaks on my XXXX. The repair shop returned the machine with the same 2 leaks and damaged other parts. I disputed the charges, sent emails, images, and other info to citi bank but they did not reverse the charge. Citibank always seems to take the side of the vendor.
Complaint sub-issue: Their investigation did not fix an error on your report

I recently sent a dispute through all 3 credit bureaus to have a closed account with your bank removed from my credit reports. You responded to XXXX and XXXX, and indicated information was accurate, but would not agree to remove it. I am writing to request the it be removed for the following reasons : 1. The account has a XXXX balance. 
2. I closed the account, and paid the balance in full on XX/XX/19. 
3. This has been on my report for 3 years in XXXX, which I feel is sufficient. 
4. I had one late payment the same month I closed and paid the account in full. 
5. I had made all previous payments on time, and made minimum payment each time. 
6. Indicates I had a high balance, which is somewhat misleading, due to the fact that a part of the was interest. 

Due to the reasons stated above I would appreciate it if you would remove this account from all 3 Credit Bureaus as soon as possible.
Complaint sub-issue: Information belongs to someone else

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY NAME PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES AND MADE A CRIMINAL COMPLAINT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Account status incorrect

I tried to correct payment with a credit card company belive it was Citibank. They couldn't retrieve or find an account they keep transferring me to different departments only to be told the same thing. Theirs a charge showing on collections for this charge. This charge keeps hurting my credit when i tried to straighten out. They should pull this charge from my account since they cant locate one never should have been sent to collections.
Complaint sub-issue: Reporting company used your report improperly

This is in regards accounts being reported by XXXX, XXXX and Equifax. I sent a letter back in XXXX to all three companies asking for all unverified and inaccurate accounts to be removed. I've only received a reply from XXXX in which they said the accounts were verified, however I've never signed off or consented to any verifications. I am still awaiting replies from XXXX and Equifax. I will be replying to them with a follow up letter this upcoming week. 

I've also been receiving an increase of unsolicited calls and letters from creditors since my initial contact with the bureaus. I found this quite unusual being as though my information was never given to them directly.
Complaint sub-issue: Debt resulted from identity theft

based on information and belief this is not my account. never received any notice of this alleged debt. ID Theft
Complaint sub-issue: Information belongs to someone else

This is XXXX XXXX submitting yet another CFPB complaint to address the Credit reporting Agencies inability to verify the information being reportd on my Credit Report as well inability to report accurete only information my Credit File. I previously sent a letter addressed to the Credit Bureaus requesing that the Credit Bureaus take their time to verify the information being reported on my Credit File. I believe I am victim of Identity theft and the items I am disputing were the results of such crime. I Started disputing my Credit File on XX/XX/2022 under the provisions of the Fair Credit Reporting Act section 605b and the last letter I sent to the Credit Bureaus was dated XX/XX/2022. The Credit Bureuas have failed to remove the disputed items completely from my Credit report and insist that the information they report are accurate and verifiued. I do not agree with their findings and demanded proofs of verification for me to be able to verify the information myself. But the Credit Bureaus have also failed to send me copies of documents to support their claims. I am now submitting this CFPB complaint to order the Credit Bureuas to remove the disputed items completely from my Credit Report as soon as possible for they have failed to comply with my requests. I need the following items deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Complaint sub-issue: Information belongs to someone else

I have XXXX fraudulent accounts listed on my credit report. I have listed them and also the police report XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem with rewards from credit card

I called in XX/XX/2021 to cancel my account with Citi because I did not want to pay the annual fee ( {$95.00} ). The customer service agent on the phone offered to provide a credit in the amount of the annual fee, plus would provide XXXX points if I met a spending requirement. She phrased it as {$3000.00} over the course of three months. Citi did not send me any confirmation other than one that said that I would keep my account open. 

Two months later, I checked with Citi about this issue, because I had met the spending limit as explained to me. The agent, over Citi 's app, told me that the offer was not {$3000.00} over three months, but {$1000.00} per month for three months. And the point bonus was not XXXX but XXXX. It is possible that the agent I spoke to over the phone in XXXX was mistaken but I am not. I did not care that much about the points, though, and assumed I would be able to meet the required spending. 

This weekend I noticed that I had not received a {$95.00} credit. I checked with a Citi agent, who told me I had failed to meet the requirements. This is, for one, not true, because all my statements totaled over {$1000.00} since the start of the year. But it also is not true because I managed to spend {$3000.00} over three months as required by the original offer.
Complaint sub-issue: Deposits and withdrawals

I recently opened an account with BB & T. I made a deposit of {$970.00} of three checks on XX/XX/18. On XX/XX/XXXX, ( seven days later ) I made 3 purchases using the debit card totaling {$75.00}. BB & T charged a {$36.00} overdraft item fee on the same date ( XX/XX/XXXX ). On XX/XX/XXXX, I made a debit card purchase of {$42.00} and BB & T charged {$36.00} for overdraft item fee. The account balance still showing that I have over {$700.00} available for use.

I contacted the BB & T customer service and asked as to why they were charging {$36.00} twice for overdraft fees. BB & T Rep explained that the deposit made on XX/XX/XXXX had a hold of 9 days ; I asked that if any of the 3 checks deposit were returned. BB & T said no.

I asked BB & T when the deposited checks were cleared by the other banking institution. BB & T Rep. could not provide that information. I believe that BB & T predatory policy and actions are designed to exploit the customer. BB & T did not have no valid reason for charging such outrageous fees from my own money.
Complaint sub-issue: Personal information incorrect

Equifax Confirmation # XXXX XX/XX/2021 Equifax did not send a complete credit report only 3 of 6 in which I did not ask Equifax to delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX I ask Equifax to delete the added same address created by Equifax as duplicate address that was not right meaning no APT Number or letter not the address they added on the file not corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX! XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX is an address where my mail goes when I'm contracted for work in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX is still my primary address Equifax needs to provide proof that XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX PA XXXX is former address by documented proof. 

XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX is not my primary address only mail goes there Equifax needs to provide document proving I own or rent that house by documented proof Equifax needs to stop adding address of no valid proof documented or proof of home mortgage from the creditor Equifax stated on page 3 of 6 no Employments reporting thats Equifax issues I been on same job for last 6 to 12 years with same employee My issue is Equifax delete info of employment but on another file say they verified employment on the date listed Equifax is only in business sell info and get money out consumers Equifax needs to stop creating false info and then telling consumers to go to there web site to pay them I would never go to Equifax web site and give them no info to gather and then recreate false info by so many errors of residence employment address error after error I have also filed at US attorney office and DOJ of the major issues I have credit reports going back last 3 years of proof of errors added address phone numbers employment in which was filed on as error after error and added by Equifax then complaint added then they remove it. created on one address 6 times with different settings of the same address XXXX XXXX XXXX XXXX XXXX NV please provide proof of the said address by documents i Live there at the said address other than mail going to the address.
Complaint sub-issue: Investigation took more than 30 days

I have an entry on my credit file with Equifax for a delinquent account with an unpaid balance of {$310.00} reported by XXXX XXXX XXXX XXXX ( account number XXXX ) which doesn't belong to me. I sent a dispute letter on XX/XX/2021 challenging the accuracy, compliance and reportability of this entry. Equifax and XXXX XXXX XXXX XXXX has failed to provide me with copies of any documentation associated with this account, bearing my signature within the 30 days allotted to complete an investigation plus the extended 15-day period.
Complaint sub-issue: Debt is not yours

LJ Ross partial account # XXXX WHO ARE THESE PEOPLE? I keep seeing LJ Ross on my report as of mid 2017. Shows a collection balance of {$830.00} XXXX? 

I had to XXXX XXXX, they are a utility service provider. 

Considering I have lived at my current address for almost 4 years, and we do not have a utility provider of XXXX ... WHO DOES THIS BELONG TO?? 

I have repeatedly communicated with all 3 bureaus disputing it's removal and sent a letter to LJ Ross with no response trying to receive paperwork, identification, something.

This is not my account, I have not received any sort of paperwork on this, I do not have gas or electric utilities through XXXX, they are not even a servicer in the area I live!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Please see previous CFPB Complaint # : XXXX and review the additional documentation that further supports my claim that my credit being run by Bank of the West was unauthorized. Ive attached a copy of the pre-approval letter from my credit union, XXXX XXXX XXXX ( who currently finances my vehicle ), as well as a letter from XXXX XXXX XXXX admitting my credit was ran in error. There was no reason for Bank of the West to run my credit due to having already secured financing through my own credit union. 

I am requesting that Bank of the West remove the hard credit inquiries from my XXXX  and XXXX credit reports. 

I will pursue legal action, if necessary, to request the inquiries be removed from my credit reports.
Complaint sub-issue: Information belongs to someone else

I printed my consumer reports for XXXX, Equifax, and XXXX. After reviewing all XXXX reports I noticed there are several inaccuracies on the report. I reached out to each of the credit reporting agencies to give my instructions on the corrections I demand to be made. They have refused to follow my instructions in Pursuant 15 USC 1681b ( a ) ( 2 ) written instructions of the consumer to whom it relates and this is a direct violation. Not only are you impersonating a bureau in which you assumed the role. You also have taken over my report and allowed any and every company to do whatever without consulting me at all. Are you doing business with these companies in order to ruin my credit or reputation? Are they paying you to place fraudulent information on my report? Remove hard inquiry XXXX XX/XX/2022, PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX, NC XXXX, Remove Account # XXXX and Account # XXXX. Correct the late payments on every XXXX XXXX and XXXX account on my consumer report.
Complaint sub-issue: Public record information inaccurate

The XXXX  system doesnt not provide complete social security numbers because it would be against privacy laws. Similarly companies such as XXXX, XXXX, and other third-party sources can not be 100 % accurate in the provision of their information to credit reporting bureaus because it would be against the fair credit reporting act. For the credit reporting bureaus to make this claim it would that my privacy most certainly has been violated. The CFPB is designed to protect my privacy and false reporting of information these bureaus can not claim to have. 

15 U.S.C. 1681 section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 section 604 A. Section 2 States a consumer reporting agency can not furnish an account with my written instructions which none of the three major credit reporting agencies have obtained from me.
Complaint sub-issue: Their investigation did not fix an error on your report

As an Authorized User account ( non-owner of debt ) Debt totaling {$500.00} was paid in full to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for removal of derogatory account from credit report in XX/XX/2022. Account is still being reported by Equifax as a Derogatory charge off. Agreement with creditor to remove account upon payment in full has not been met. The account needs to be removed from my Equifax credit report immediately, as originally agreed upon by creditor. This is a false derogatory account and is being falsely reported by Equifax as derogatory.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX, {$480.00} was charged to my Citi Mastercard for XXXX XXXX. I, nor anyone on my behalf purchased airfare.

On XX/XX/XXXX, I discovered the fraudulent charge and notified Citi. They closed my card and issued a refund.

On XX/XX/XXXX, Citi reversed the refund issued and placed back the fraudulent charge of {$480.00}.

On XX/XX/XXXX, Citi card emailed me at XXXX requesting that I verify that I have reviewed my statement and still confirm that I am disputing. I responded that same day at XXXX confirming that I nor anyone authorized by me made this charge or received any benefit from this charge. Received a copy of the response from XXXX XXXX and a copy of the ticket. It did not reflect correct information that even matches my husband 's name. The middle name listed on the flight information says XXXX, but my husband 's middle name is XXXX. It also shows an email address that is not an email address we have and the phone number listed is not our phone numbers.

On XX/XX/XXXX, I spoke to XXXX XXXX in the Citi credit card fraud department. She stated that the matter would be resolved in 7-8 business days.

On XX/XX/XXXX at XXXX, I spoke to XXXX   who stated that there were no updates on the account since the last conversation on XX/XX/XXXX. She stated that she sent the request to be expedited and will follow up with XXXX XXXX and the merchant. She also stated that it should be resolved by time the billing statement ended on XX/XX/XXXX or XX/XX/XXXX. On XX/XX/XXXX at XXXX, I spoke to XXXX  in Citi card fraud department. He told me the refund had been issued on XX/XX/XXXX. I explained that I had checked my credit card statement and no refund is reflecting on my account. He hung up on me at XXXX. I immediately called back again and spoke to XXXX in Citi card fraud department. She stated that she is raising a formal complaint and it was unknown when the issue would be resolved.

Currently, as of XX/XX/XXXX, no refund has been issued back for the fraudulent charge of {$480.00}.
Complaint sub-issue: Didn't receive notice of right to dispute

Received a call from XXXX ( collection agency ) XXXX XXXX regarding a balance from US Bank from XXXX. He said the bank had an oversight many years ago and failed to contact me. When asked for him to verify my address he had an address from XXXX and said they just had an oversight and did not send out collection activity and now us Bank wants to recoup the money and failure to pay would put me into check system. I am furious because I have a great credit score and very little debt and to be contacted years later without notice is unreal! He said he did understand how odd this is and said to wait for a letter in the mail. I asked " how are you sending a letter when you don't have my address? He said " oh we will just put your info in the data base and find it ''. I said well how come you haven't done that in 16 years? He said " it was an oversight ''. This is ridiculous! I will also be filing a XXXX complaint as well!!! Acct # XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

In my opinion, the mechanisms provided by the credit bureaus to consumers that allow us to protect our private and sensitive data are inadequate due to a fundamental flaw in the existing credit system. All US consumers who have any credit history or want to participate in the credit market ( CC, mortgage, auto loan, etc. ) have no choice that their most confidential data is provided to these companies. We are not customers of the credit bureaus, and we have no means by which to take our business elsewhere if we believe they are inadequately protecting our data. As a result, the companies have no incentive to improve their security and will likely continue to maintain a poor security posture and rely on outdated, unpatched and vulnerable software.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XXXX I noticed that my credit card payment was for the full amount of over {$2500.00} when I ment to do {$500.00}. I got a confirmation number XXXX and was told 3 business days. It was not resolved and I was told Thursday at XXXX CST and nothing. Same promise on Friday. I called Friday evening and supervisor XXXX said nothing was done or expedited. I called Saturday and they said Monday. Here we are XX/XX/2021 which is 6 business days later and 10 days incl weekends and they said 4 business days. My account is negative and needs resolved and they refuse to help. They are giving me misleading and false information to resolve this issue.
Complaint sub-issue: Was not notified of investigation status or results

I submitted paperwork proving that I was a victim of identity theft on XX/XX/2021 to all three bureaus ( XXXX, XXXX, and Equifax ) and I still haven't received a response from any one of them. I had proof that my identity has been compromised and that I need an investigation to clear everything up.