Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

I had a {$6800.00} limit on my Citibank card. It is under my Fsthers name, but I am an authorized user and use the card and make all the payments. 
I am a small business owner trying to make it through this pandemic. I am trying to find new ways to sell new products and there are some things I needed to use my credit card for as opposed to cash or check. Or at least it would have been more expedient. So, without having much cash on hand these days, I chose to pay down my citi card {$6000.00} in order to free up room to use it. 
The {$6000.00} payment was processed on XX/XX/XXXX, and then on XX/XX/XXXX Citi decreased my credit limit by {$6000.00} ... this has put me and my business in serious jeopardy. I dont have {$6000.00} to be pretty much wasted like that in a time like this. I would have just made the minimum payment if I knew this was going to happen. 
I have made all my payments on time and there are no issues with the credit bureaus as they claimed. There doesnt seem to be any valid reason for this move that they made other than to limit their exposure to other customers who arent paying their bill. 
They have me 10 different excuses why this happened, none of which made any sense. It seems awfully coincidental to me that I make a {$6000.00} payment, then 2 days later I get a email claiming some sudden issue with the credit bureau and they instantly lower my limit by that exact same amount of {$6000.00}??? 
We called the credit bureau as well, no issues. They said they didnt see why this would happen, there is nothing on their end that would explain this. 
This {$6000.00} is A TON of money for me and my business in these times. The consequences of them doing this to me could be catastrophic. I chose to make this kind of payment in good faith, and never thought I would be taken advantage of on this way, especially during these difficult times.
Complaint sub-issue: Account status incorrect

On or about XXXX XXXX I completed a Loan Rehabiliation program with XXXX XXXX and the US Dept of Education to successfully bring my student loans out of a default status and into a current status. 

As part of completing the program, I was advised that any derogatory information tied to the old accounts would be removed from my credit report and replaced with a new account that does not have any negative remarks from the past. 

On XXXX/XXXX/XXXX - I sent a special written request directly to XXXX. 

In whole, it stated : { { { { { Regarding Account # XXXX Account # XXXX I 'd like to bring to your attention an error with your reporting of a rehabilitated student loan. I have previously disputed this reporting with all three major credit reporting bureaus on several occasions. Specifically, I am expecting the deletion of derogatory credit reporting on any William D. Ford Federal Direct Loan ( Direct Loan ) Program and Federal Family Education Loan ( FFEL ) Program - as specified in the terms of the Higher Education act and the Department of Education. 

Specifically, it says : To rehabilitate a defaulted Direct Loan or FFEL Program loan, you must agree in writing to make nine voluntary, reasonable, and affordable monthly payments ( as determined by your loan holder ) within 20 days of the due date, and make all nine payments during a period of 10 consecutive months.

Benefit : When your loan is rehabilitated, the default status will be removed from your loan, and collection of payments through wage garnishment or Treasury offset will stop. Youll regain eligibility for benefits that were available on the loan before you defaulted, such as deferment, forbearance, a choice of repayment plans, and loan forgiveness, and youll be eligible to receive federal student aid. Also, the record of default on the rehabilitated loan will be removed from your credit history. 

Therefore, I respectfully request you address my concerns here. I have enclosed copies of my credit reports highlighting the incorrect loans that keep getting verified as correct after a credit bureau investigation. For your records, this loan rehabilitation was completed by me early in XXXX, therefore I suspect ample time has gone by for you to correct your records. Kindly respond promptly. } } } } I have yet to receive a response from them after nearly 60 days and continue to have negative information on my credit report adversely affect me.
Complaint sub-issue: Their investigation did not fix an error on your report

This is my second time contacting Equifax about fraudulent accounts on my credit report. Under Section 15usc 1681c-2 I have all the requirements for blocking the fraudulent accounts on my credit report. I will list them : Appropriate proof of the identity of the consumer which is my government state ID. A copy of an identity theft report which is was filed with the Federal Trade Commission which is an enforcement agency. The identification of such information by the consumer which is on the Identity theft report attached and also the letter that is attached as well. " A statement by the consumer that the information relating to any transaction by the consumer. '' I state that the information that I request to be blocked is not information relating to any transaction by me. I have a notarized letter stating it is me filing this complaint with the CFPB as well as all the Consumer Reporting Agencies so I do not want to hear about I am a " credit repair company. '' Are you saying I'm too stupid to study my consumer rights? This is defamation of my character. There are more than 5 accounts on there but the report only allowed 5 slots.
Complaint sub-issue: Information is not mine

I was the victim of identity theft and provided the proper documentation to have it removed yet it was not deleted.
Complaint sub-issue: Their investigation did not fix an error on your report

The Credit bureaus stated the Account ( s ) listed below had been properly investigation but this is clearly fraudulent in nature & clear impossible based on the following fact ( s ) : a. Open Date is inaccurate b. Date Last Active i*s inaccurate c. Date Last Reported is inaccurate d. Payment History is Inaccurate Account : XXXX XXXX : # XXXX - reported on Equifax Account : XXXX ( Original Creditor : XXXX  ) this account is XXXX XXXX same account reported on XXXX / XXXX This, is immediate grounds The United States Code ( s ) specifically outline regulations which the Credit Bureau ( s ) continue to grossly / negligently do their job for what appears for profit selling said information to vendor ( s ).

a. Violation # 1 : Under 15 U.S. Chapter : 1681 S. 604 A ( Section 2 ) : The law clearly defines that a said consumer reporting agency can not furnish i.e. any said account without incorrectly or without said written instructions.

b. 15 USC 1681 Section 611 ( 2 ) ( a ) : Law Specifically indicates is " any '' said information is found inaccurate or can not be verified the consumer reporting agency ( s ) shall promptly delete the information from the file of the consumer. 

See attached copies of Credit Reports numerous factual violations by all credit bureaus which have been updated/ verified to date. 

1. Document # 1 : Dated - XX/XX/XXXX Equifax 2. Document # 2 : Dated - XX/XX/XXXX XXXX & XXXX 3. Document # 3 : Dated - XX/XX/XXXX Equifax 4. Document # 4 : Dated XX/XX/XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

On or around XX/XX/2021 I contacted XXXX, XXXX, and Equifax about the inaccurate accounts, inquires, installments and public records that are reporting on my consumer credit report. After contacting XXXX, XXXX, and Equifax, the inaccurate information has continued to be reported. XXXX, XXXX, and Equifax is in violation of my rights under the Fair Credit Reporting Act ( 15 USC 1681 ), ( 12 CFR part 1022 ) regulation V ), and have committed copyright infringement. Also XXXX, XXXX, and Equifax has continued to violate my right to privacy under ( 15 USC 1681 ( a ) ( 4 ). All concerning documents have previously been sent to XXXX, XXXX, and Equifax.
Complaint sub-issue: Account status incorrect

After many hours of studying the law and research of the protection consumer laws, I have sent several letters to   XXXX   Equifax and   XXXX   regarding fraud on my credit report related to an address in  XXXX , IN.  XXXX   XXXX   XXXX  student loan unverified with no contract or proof, with a letter from the  Office  of  XXXX   XXXX . The account history is not accurate on the credit report, it has statements they say loans are 100 % paid in full and also states I have made 0 % of payments on time, the letter I have is in conflict with the reporting information. I also have  two  fraudulent bankruptcies 1 on  XX/XX/XXXX   and the  XXXX  on   XX/XX/XXXX  . In addition the judgement on the credit report is n't correct and the alleged claim was supposed to be remove, they have not followed through on their agreement. I have not filed any bankruptcies and have given them proof of the fraud. This is an issue that has happened before and I came to the  Consumer Financial Bureau to  get assistance when these agencies are n't following the proper rules laid out by Congress in the FCRA and FDCPA.
Complaint sub-issue: Didn't receive notice of right to dispute

The first time I heard of this debt was when got an alert in a change in my credit score. I looked up the name of the new account that was showing up on my credit report. It pointed me to a company called Hunter Warfield XXXX XXXX XXXX XXXX XXXX. I called the number on the website and got connected to someone who knew the details of my " case ''. Apparently the charge orriginates from ~ {$300.00} of cleaning fees that were not paid. 
I asked for any documentation they have of the debt and I haven't recieved any reposnse yet. I haven't been able to get in touch with them since.
Complaint sub-issue: Deposits and withdrawals

I tried to use my Citibank ATM card in XXXX XXXX, XXXX XXXX, XXXX on XX/XX/XXXX but my card had been blocked. This happened in spite of following their explicit instructions to call them before I travel and to confirm a similar ATM withdrawal transaction over my cell phone on XX/XX/XXXX. 
In this case, Citi ( again ) tried to confirm an ATM withdrawal on XX/XX/XXXX via my cell phone which I did not have with me at the time and even though I was able to validate the transaction later through an email Citi sent me ( see attached ), they STILL blocked my account today. 
This is not the first time this happens. It has happened multiple times in the past. And I have followed their instructions every time to avoid card blocking to no avail. I have complained multiple times over the phone, over email and via letters to customer service, all falling on deaf ears. 
I understand the need to protect customers from fraud but if a customer follows their instructions this should not happen as often as it does. It 's simple : their system does not work. 
Citi should be penalized severely ( hundreds of billions of dollars ) for not investing in their systems appropriately. It is the only way they will learn.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recently received a copy of my XXXX credit report and I notice there is an unauthorized credit inquiry made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XX/XX/XXXX. I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. In addition, the creditor that provided documentation for credit inquiry to give authorization to review my credit worthiness. Did not provide an opportunity for me to clearly understand what I agreeing to. The credit inquirer 's authorization form was too complicated and not easily understood in language I would understood. I am requesting you initiate an investigation into XXXX XXXX inquiry to determine who requested this credit inquiry.
Complaint sub-issue: Account information incorrect

I am so disgusted with XXXX XXXX.

I have paid them money and used their service as a tool to repair my credit.

They report today that my score is XXXX.

So I went to try and get a car. My score is XXXX pulled by XXXX XXXX XXXX.

Why are they so misleading? I am absolutely appalled. This is not best business practices and it is horrid for the consumer. How is there over a 100 point swing in the score.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX  are incorrectly reporting me as an Authorized User on the XXXX - partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) I called XXXX XXXX XXXX  and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and these line items need to be removed from my credit report.
Complaint sub-issue: Overcharged for a purchase or transfer you did make with the card

i made a payment for XXXX on the third of XXXX for a hotel purchase and prior to doing so i had a balance of XXXX i check my account that evening and i only had XXXX dollers in my account i called direct express the following morning who rudly informed me that the hotel takes XXXX percent of my balance and holds it until the amount is processed well at this point the XXXX plus XXXX $ was taken out. and XXXX who refused togive me her last name said she was the only XXXX in the direct express call center. ( XXXX ) goes on to tell me my XXXX $ wont be realeased until the third of the next month, when i asked her why .. she rudely screamed at me and said XXXX XXXX XXXX just told u all the i information needless to say a hour after i hung up the phone with this rude XXXX who was confident in telling me my funds wont be put back on my account until the third of the next month i got a alert that my XXXX was back on my account she was incompedent and rude and not very informative
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original XXXX : XXXX XXXX ) XXXX
Complaint sub-issue: Trouble getting, activating, or registering a card

I need to know if I got my card sent to me and if I have any money on my account
Complaint sub-issue: Didn't receive enough information to verify debt

XX/XX/2021 XXXX XXXX Discover Bank To Whom It May Concern : Pursuant to my rights under the Fair Debt Collections Practices Act ( FDCPA ) and other state and federal debt collection laws such as 15 U.S. Code 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

, I hereby request that you cease and desist ALL communication with me, as well as my family and friends, in relation to any and all alleged debts that you claim I owe.

You are notified that if you do not comply with this request, I will immediately file complaints with appropriate state and federal regulatory bodies, including but not limited to, attorneys general, the Federal Trade Commission, and the Consumer Financial Protection Bureau. Civil and criminal claims will be pursued.

Sincerely, XXXX XXXX
Complaint sub-issue: Keep getting calls about your loan

I received a call from someone claiming to be with student loan forgiveness. I did not provide them any information and hung up. The phone number that called was XXXX.
Complaint sub-issue: Not given enough info to verify debt

I AM TRYING TO SEE MY FULL CREDIT REPORT. I CHECKED A MONTH AGO IT WAS SOMETHING ON MY REPORT THAT I NEVER HEARD OF. NOW IT 'S JUST SAYING XXXX AND XXXX ACCOUNT BALANCE {$190.00}.
Complaint sub-issue: Information belongs to someone else

I want to inform you again I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any items listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7700.00} ; XXXX XX/XX/2021.
Complaint sub-issue: Account status

XXXX has a recent 30 day late on on my credit report. XXXX sold my account and XXXX other agencies are currently attempting to collect for this debt ( XXXX, XXXX, XXXX XXXX ). I started a dispute with them and now they have placed a 30 day late on my account again ( THIS NEEDS TO BE REMOVED IMMEDIATELY ). This account was closed on XX/XX/2014, how can there be a 30 day late. I need this to be removed immediately. This is not fair practices ... I also need to see where they still own the debt or XXXX needs to report a {$0.00} balance. Tell me who owns this debt or remove it off the credit report all together ...
Complaint sub-issue: Debt is not yours

ERC a 3rd party collection requesting payment not owed. ERC stating the oringinal company is XXXX XXXX. I have asked for signature with contract with ERC. This debt is not owed by me. I am requesting for all harassment to stop and if this is reported on credit bureaus needs to be removed.
Complaint sub-issue: Need information about my balance/terms

I have XXXX FFEL Stafford Subsidized Loans in default. Both loans were for {$5500.00} and I owe {$3200.00} on one ( {$88.00} outstanding interest ) and {$3200.00} on the other ( {$100.00} outstanding interest ). I could only find out this information on the federal student loan website. Navient apparently owned both loans at some point, but they show XXXX loan as transferred and XXXX loan as paid by USA Funds. On the federal site, one shows that XXXX has it, but when I login, there is no information and no payment due. The other shows that it 's all still with Navient, but Navient 's website shows it 's not. I moved in 2011 during an economic hardship forbearance, and I never got any more information on repayment. Since then, I 've been trying to track them down, and I STILL ca n't figure out how to repay everything. I need some sort of straightforward information, and when I contacted Navient their response was a form letter telling me options on how to repay loans, but no specific information as to WHO and HOW I repay loans that they show as not being at Navient, even though the federal website says XXXX is at Navient.
Complaint sub-issue: Information belongs to someone else

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Lexus nexus, aka XXXX has provided false information to my autp insurance policy. Its information has tripled my insurance policy amount. I can not talk to a live agent to resolve this issue.
Complaint sub-issue: Information belongs to someone else

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Complaint sub-issue: Information belongs to someone else

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX CT XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00}, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$670.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXXXXXX XXXX XXXX : {$9400.00} XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX  XXXX Balance : {$930.00}, XXXX XXXX Balance : {$0.00}.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I had filled a complaint # XXXX with Equifax, after I filled my complaint I received more supportive documents " attached " from XXXX, the creditor in question. However I was not able to submit my supportive documents on line to yo " proving that XXXX did their part and Equifax has not. 
After speaking with your representative on XX/XX/2018, I was informed perhaps it is a good idea to start another complaint and include my new supportive documents. Please see attached