Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Public record information inaccurate

I spoke with Lexus nexus and requested on XX/XX/2021 to remove the inaccurate information. I also consulted a credit repair company on my be hallf on XXXX. I spoke to Lexus Nexus multiple times during XXXX  requesting to freeze report and stop reporting on XX/XX/2021. The account is still reporting and it is more than one account that is inaccurate. I still haven't had any help with information removed or no longer reporting.
Complaint sub-issue: Don't agree with the fees charged

Discover student loans has failed to remove late charges on my account that were charged in error. These late charges accumulate to {$60.00} dollars which was reported to all credit agencies and negatively effected my  credit score. Discover has since removed the late fees that was reported to the credit bureaus ( only after multiple requests ), but has failed to remove the charges on my actual account. This has increased by first student loan payment by {$60.00}, which is a fraudulent charge. I called Discover  on  XXXX  and spoke with a representative who assured me that these charges were in error and that I would receive follow-up and guidance on how these charges would be removed and the expected date of resolution is  XXXX . I never received any follow-up from  Discover  and the charge of {$60.00} still appears on my account.     The kicker is that  Discover  does not even charge late payments anymore yet they failed to remove this late payment from my account ( which was erroneously added to my account in the first place ).
Complaint sub-issue: Was not notified of investigation status or results

BOTH EQUIFAX AND XXXX  DROPPED MY FICO  SCORE SIGNIFICANTLY WITH NO SUBSTANTIATED REASON. NOTHING ON MY REPORTS HAS CHANGED IN THE LAST MONTH OTHER THAN ME PAYING OFF MY XXXX  XXXX XXXX TO XX/XX/XXXX Balance. 

I HAVE 100 % payment history, No derrogatory remarks and my credit card utilization is 0 %. ARE THEY ABLE TO TELL ME WHAT DRASTIC CHANGE HAPPENED< THAT THEY ARE NOT REPORTING IN ORDER TO DROP MY FICO  SCORE SO SIGNIFICANTLY? 

TO ME, its a form of bullying and harassment. THEY JUST ADJUSTED IT in XXXX AFTER MY COMPLAINT HERE. WHY DO THEY KEEP DOING THIS KNOWING IM GOING TO COMPLAIN HERE?
Complaint sub-issue: Reporting company used your report improperly

I provided documentation and a request to the credit bureaus via XXXX Certified Letters with tracking numbers XXXX, XXXX, XXXX on XX/XX/2022, to remove personal information that I do not want on my credit report. In accordance with the Fair Credit Reporting Act 15 USC 1681, I have the right to privacy and 15 USC 1681 Section 604 A Section 2. States that a consumer reporting agency can not furnish an account without my written instructions. Also according to 15 USC 6802, no financial institution is permitted to share my information to any third parties. This is a violation of my federally protected consumer rights. 

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: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX {$1800.00} XXXX XXXX AUTO XXXX {$3000.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX XXXX  XXXX {$2900.00} XXXX {$410.00}
Complaint sub-issue: Threatened to take legal action

Repeated calls, a lot outside of XXXX - XXXX. They use abusive language, and threatened to take legal action.
Complaint sub-issue: Information belongs to someone else

XXXX or XXXX  totally XXXX  up my report
Complaint sub-issue: Problem during payment process

I have problem with Best Buy store in XXXX, KY. Last year, in XX/XX/XXXX, the store issued a credit card to me. With that card I purchased a cell phone XXXX XXXX XXXX costing {$250.00} I paid {$64.00} ; meanwhile I had a family emergency that obligated me to go out of the country on XX/XX/XXXX. Before I left I urged my nephew to make payment every month on the XX/XX/XXXX. My nephew was at Best Buy store to make payment having the last four digits of my credit card. What was amazing, Best Buy associates couldn't find my account, they wanted the 16 digits of the card. The nephew reported to me and I copied the recto and verso of the card and sent it to him by XXXX. It did not take 3mn to receive the message. My nephew showed the copy of the card again they could not find my account. Again they want to have my social security number. I called my nephew and communicate the number to him. He was told by the same people that the social security number did not recognized. How come? It is the only social security number I have all my life, and it was with the same number used when they opened my account at Best Buy Store. Now how my nephew can make payment since they do not have my account. 
I came back in the country on XX/XX/XXXX. I personally went to Best Buy store and I experienced the same experience that my nephew had with them. This time they did try with my Kentucky State ID, the result was negative. They continue to send my statement by email and with these emails, they ask me to contact them. I did call them several times but each time I gave them the 16 digits the account is still unfounded. Even if it was a money collection, they should direct me to the company that collects their money and to which I can discuss how to make an arrangement ; but they continue to add fees from {$190.00} it was to {$320.00} with a minimum payment of {$240.00} I called to the number XXXX and I was asked my account number but the account was not found. My social security number was needed, again it was not recognized. I was transferred to another department where I met Mr. XXXX whom could not do anything good. He transferred me to another department where I met Ms. XXXX ; she did not give me what I was expecting. 
This time I use the number on the back of my cardXXXX to call the customer service. One lady pick up the phone and asked how she could help me. I tried to explain to her the whole history but it was too long ; she asked me to write down and to fax them at the number XXXX. It was on XX/XX/XXXX. I wrote the letter 1 plus other 3 emails I wrote to Best Buy previously and fax them the same day at XXXX. 
Till now I do not receive any response from Citi.
Complaint sub-issue: Information belongs to someone else

My personal information has been stolen and used to open several accounts and services in my name without my permission or knowledge. I have allowed the collection companies a timely amount of time and the issue as not been resolved, and i would like for these accounts to be removed immediately.
Complaint sub-issue: Didn't receive advertised or promotional terms

On XX/XX/2022 I was booking flight on XXXX XXXX. Citi Bank AAdvantage Platinum select card had a promotion stating that if I applied for card, and was approved I would get XXXX dollar credit on statement if I used new approved card to pay for current flight I was booking. I was approved within minutes and received confirmation email. However when I went to pay airline fare I had no credit card information to pay for ticket. I called XXXX XXXX and they said Citi Bank should provide temporary number since, in order to get the promotion I had to book using new card. I called Citi bank and they said I should have gotten email with temporary number in order to book flight and received promotion award. While received email confirming approval, I did not get email with temp number. Citi Bank rep XXXX informed me that temporary numbers are sent via automated system and that there was no way to manually send temp. number. She said I would have to wait 7 days for card. Obviously this would not work because I can't hold flight reservation for 7 days.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Credit score dropped XXXX points for no reason, called EQUIFAX ( non issue with the other two credit score companies ), who this issue is with, could not actually talk to anyone in detail since they can never actually confirm who I was even though I provided all info they requested and it is correct.
Complaint sub-issue: Need information about your loan balance or loan terms

Please validate Student loans.
Complaint sub-issue: Delay in processing application

This is the third time sending this FTC report and the supervisor from EQUIFAX XXXX XXXX and his I.D number XXXX was very rude was not helpful at all. He told me he seen I sent the last two FTC reports with my ID but still refuse to help and even hung Up me. please delete these fraud inquiries off my report immediately
Complaint sub-issue: Received unwanted marketing or advertising

basically the identy theft people who took over all my accounts took over my credit karma  account and other identity theft accounts i have no accesses to and are in my credit score stuff i need all of it locked down they got my imformation and credit card number
Complaint sub-issue: Information belongs to someone else

I've submitted this complaint several times already about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I submitted my fraud complaint in reference to two charges on my credit card with CitiBank while on my vacation to the XXXX XXXX and my fraud complaint was rejected for the following reasons ; " Our records reflect that these transactions were processed using the embedded chip in the card ending in XXXX and charges that were made before and after the disputed charges were verified as valid. In addition, the credit card was present when the transactions were completed and you confirmed that only you had access to the card. '' This is not a legitimate reason to deny my claim and there is also a false statement on this letter. The sole purpose of my trip was to attend a wedding and I have reason to believe that whoever processed these transactions took my card from my wallet and placed it back in my wallet after they used it. I explained this to the multiple fraud investigators, I also told them that during my stay in the XXXX XXXX I had no reason to have my wallet or even passport on me because as I was staying at an all inclusive hotel and had no reason whatsoever to have my wallet on me. For them to say that I " confirmed only I had access to the card '' is false. I told the investigators that my hotel had cleaning staff walking in and out at least twice a day and that alone gave them access to my card in my hotel room. 

Ive already spoken to 3 managers about this and every time I speak to one they tell me my case manager will reach out to me, but they never do. One manager even went as far to say that I shouldve kept my credit card on me at all times and thats reason enough to reject a claim. Carelessness is one thing, but if my valuables are inside a 5-star hotel room along with my other valuable belongings, one would deem their belongings safe. 

One charge was on XX/XX/XXXX for the amount of {$490.00} and another one on  XX/XX/XXXX for XXXX for purchases at a club I did not go to, amounts that I have never spent at a club in my entire credit card history which shouldve triggered a fraud warning. I only noticed these transactions when I arrived back home and saw my transaction statement. 

Also, after further research it seems the club, XXXX XXXX ( a.k.a. XXXX XXXX XXXX was part of the criminal organization and has since then been closed down. This information can be viewed on the U.S. Department of the Treasurys Office of Foreign Assets Control ( OFAC ) website. 

All in all Im unhappy at how Citibank is handled my case without doing a thorough investigation on their part. I would like both transactions and interest occurred to be refunded Immediately.
Complaint sub-issue: Company closed your account

On XX/XX/2021 a letter of account closure was written, I received the letter around XX/XX/XXXX. The letter mentioned no reason to why they elected to discontinue providing me with financial services. It said that by XX/XX/2021 they will disable any debit card, online banking or bill payment access. It also mentioned that the account will be closed formally on XX/XX/2021. 
On XX/XX/2021 I made a phone call to the bank that lasted about half an hour long, and when I spoke with the customer representative they referred me to a manager XXXX XXXX is the only name they wanted to give out XXXX which then they went in circles talking about the letter that gives no valuable information or reason to why they closed the account and still over the phone they gave me no valid reason to why my account was closed. 
As a customer of a bank ; I always have enough balances in my accounts checking and savings in order to cover any withdrawals or purchases I make. I also have never made an over draft. I see that there is absolutely no reason for them to close my account.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX XXXX XXXX account and 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 3, 4, 6, 7, 8, 9, and 10 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Complaint sub-issue: Account information incorrect

I have contacted Equifax regarding obsolete accounts on my credit report. This is information that should have been deleted pursuant to the FCRA. Equifax has refused to delete this derogatory information, in contradistinction both XXXX and XXXX have remedied this information and have done so promptly. 

I have also informed Equifax of a fraudulent account on my credit report, and again, they have refused to take any action, investigate, or otherwise comply with their obligations under the law. 

Equifax is in violation of the FCRA, and instead of investigating this issue as they should they responded with a boilerplate response claiming they could not locate my credit file, despite me including copies of my FL Drivers License and US Passport. 

Equifax is simply refusing to take the appropriate action that they must pursuant o applicable law.
Complaint sub-issue: Reporting company used your report improperly

I've contacted the company, XXXX XXXX regarding an alleged account reporting on my consumer report on XX/XX/XXXX. The company reported inaccurate and unverifiable information, which I requested for competent evidence that the alleged account belong to me. As a result of XXXX XXXX failing to provide this information, the account was deleted in XX/XX/XXXX. I have recently checked my consumer report on XX/XX/XXXX to find that this same alleged account was placed back on my Equifax consumer report. Also, XXXX XXXX still failed to provide the proof requested and has sold this alleged account to the company, XXXX without my consent and has violated federal law.
Complaint sub-issue: Reporting company used your report improperly

Equifax has the responsibility to keep my private information safe and secure. I am appalled that Equifax would allow this to happen. Not only did they allow this to happen but they also acted as criminals when they started to sell off stock before it hit the news.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, the following accounts, have violated my rights. 

XXXX : XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX DEPT OF EDUCATION/XXXX  Account # XXXX XXXX  XXXX XXXX  Account # XXXX Equifax : XXXX XXXX XXXX  Account # xxxxxxxxxxxx XXXX XXXX XXXXXXXX XXXX Account XXXX xxxxxxxxxxxx XXXX XXXX  XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX Department Of EducationXXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Bank Account XXXX XXXX 15 U.S.C 1681 section 602 A . States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve.Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiry that is still reporting on my Credit Reports : XXXX/XXXX Date of inquiry XX/XX/XXXX
Complaint sub-issue: Didn't receive notice of right to dispute

Falsely publishing information on XXXX XXXX and XXXX. This debt Doesnt belong to me as Ive never been to XXXX Nor have I received any paperwork Or contracts stating they have the right to collect
Complaint sub-issue: Information belongs to someone else

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 
Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file.
Complaint sub-issue: No notice of investigation status/result

I properly requested via Certified Mail a description of the procedure used to determine the accuracy and completeness in which Equifax had used to verify a disputed tradeline ( attached ). Equifax refused to provide information on how the tradeline was verified, nor did they include the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher per FCRA 611 ( a ) ( 6 ) ( b ) ( iii ). Equifax 's response is attached.
Complaint sub-issue: Didn't receive advertised or promotional terms

This complaint is in regards to denied Price Match Benefits offered by CitiBank to its Credit Card customers. On XX/XX/XXXX, I was denied the Price Match Benefit that I believe should have applied to 3 electronic items that I purchased on XX/XX/XXXX with my Citi Double Cash MasterCard. I purchased each of the three items ( XXXX XXXX XXXX XXXX XXXX XXXX '' XXXX ) at {$240.00} plus tax at XXXX. The price that XXXX published and advertised on their own website two days later was {$150.00}, which is {$97.00} lower than my purchased price per item. As per the Terms and Conditions of the Citi Price Rewind Benefit, in order for this benefit to apply, a customer must provide to Citi a proof of a lower price, which " must be published on an online retail site or in a printed or online newspaper, magazine, store circular or catalog. '' On XX/XX/XXXX, I promptly submitted to Citi in an email a proof of the published price on XXXX 's own website, XXXX, of this same item advertised at {$150.00}. In addition, I also submitted the XXXX XXXX Form along with all the other required supplemental materials. I received a case number and subsequently my claims were denied. The reason cited for the denial of these 3 claims ( Claim Numbers : XXXX, XXXX, XXXX ) was : " Ad not sufficient. Your claim is denied because per the Terms and Conditions, the lower price must be published on an online retail site or in a printed or online newspaper, magazine, store circular or catalog. The item you reported was not advertised at a lower price through one of these methods. Thus, the item is not eligible for reimbursement. '' Clearly, Citi is trying to avoid satisfying their own promised benefits, which is a big disappointment to me as a long-time loyal customer. I hope that with the help of CFPB, Citi will make this right with me. Attaching all submitted materials plus the denial letters. <P/>Thank you for your attention to this matter!