Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Was not notified of investigation status or results

EQUIFAX WAS SENT MULTIPLE LETTERS WITH MY IDENTITY THEFT REPORT INCLUDED, BUT STILL HAVE YET TO DELETE ANY OF THE ACCOUNTS WITHIN. ACCORDING TO 18 U.S. CODE 1028A, AGGRAVATED IDENTITY THEFT, EQUIFAX IS IN VIOLATION AND IS VIOLATING MY RIGHTS. AS A RESULT, I AM DEMANDING FROM EQUIFAX, AN IMMEDIATE DELETION OF THESE ACCOUNTS, AS WELL AS ALL NON-ACCOUNT HOLDING INQUIRIES.
Complaint sub-issue: Fee problem

In XX/XX/2018, I asked Citi Bank to fix the problem of it charging me $ XXXX monthly service fee on my checking account. They said that they converted the account to one without a monthly service fee. However, they never converted it and continued to charge the monthly service fee. When I called today, they said that the conversion just didn't go through and they need to get a branch to approve. Then they said that a customer service representative held the conversion from going through with no explanation. I fear that they never did anything and hoped that I wouldn't notice the $ XXXX monthly service fee.
Complaint sub-issue: Account status incorrect

My name is XXXX XXXX, i am a first hand witness to this transaction. this communication is in regard to an account that is currently in dispute. A letter was sent out to the creditors and i made it clear that this account is in dispute and verification has been requested pursuant to 15 usc 1692g ( b ). this letter was mailed on XX/XX/2022 and verification has not been received. this complaint is being made to XXXX so there is a proper investigation made regarding this account. in the meantime, this account must be removed from my consumer report due to not receiving the proper disclosures to opt out of having my personal and private information shared with any nonaffiliated third parties which includes XXXX XXXX or Equifax. 

I declare under the penalty of perjury under the laws of the United States of America that the foregoing is true and correct.
Complaint sub-issue: Debt was paid

I paid the following accounts in full. I am a single mother of 2 who has plans of eventually buying a house. I was denied. This motivated me to check my credit report and I realized that these accounts that I paid was negatively affectIng me. 
XXXX XXXX opened XX/XX/XXXX XXXX XXXX-opened XXXX, XXXX XXXX XXXX- opened XX/XX/XXXX XXXX XXXX , XXXX XXXX
Complaint sub-issue: Account information incorrect

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX Not only is the account incomplete, its also inaccurate. 

Why are there so many missing fields of information? Did XXXX not supply that information to you? 
Equifax and XXXX are both reporting payment history while XXXX XXXX is not. Was I late? When was I late? I don't recall ever being late on my payments.
Complaint sub-issue: Information belongs to someone else

had problem with my credits history on my billing statement and had to make few calls to get it solved, and i believe my ID had been stole by someone as i found out there was another name on my account i have never use cause it is misspelled and i also found there had been applied for cards or loan. I don't recalled applications any of those on my records so i see now i am being caught who is using my id and trying to fix this. There was a struggling moment i had follow up with cause i feel someone is taking advantage of me and my credits. there is lots more i see on my credit reports. Need someone to help me to clean this up cause it hurt me a great deal i struggled over the years to clean this mess i didn't do, and remove these fraudulent accounts from my credit.
Complaint sub-issue: Funds not received from closed account

Banking with Citibank on XX/XX/22 Citibank blocked account after direct deposit was received. I contacted Citibank to find out why account was blocked they said they closed account upon review and would not provide me with any information why account is being closed Citibank stated they will send a letter stating why account was closed and check with funds in the account will be sent to the address on file within 60 days. I received the letter stating account was close based on their terms and conditions policy client manual- consumer accounts which states Citibank can close any account with no notice or reason. Did not receive check in 60 days contact Citibank on XX/XX/22 to find out why I did not receive funds yet and the representative stated they can not provide me any information funds will be sent to address on file and hung up on me.
Complaint sub-issue: Billing problem

I have reached out to Ally Financial on a number of occasions. They have not applied the 2 missing payments of {$400.00} to my account : XXXX. I have sent the facts from my bank report and the representatives/managers in the asset recovery department are disconnecting my calls without resolving the issue. The dates for the missing payments are XX/XX/XXXX and XX/XX/XXXX. The outstanding balance is incorrect and they are reporting inaccurate information to the major credit reporting agencies.
Complaint sub-issue: Problem with personal statement of dispute

On XXXX of 2019 I opened an account with XXXX  XXXX, I was on time with my payments up until we had a national emergency with COVID-19. I've disputed this with the credit bureaus stating they were violationg my rights on reporting negative remarks under the CARES Act. Upon further research I learned that my rights are also being violated by both the bureaus and XXXX XXXX under The HEROES Act where it states that no negative remarks should be reported during The COVID-19 pandemic plus 120 days and that under FDCPA restrictions have been placed on debt collecting.
Complaint sub-issue: Investigation took more than 30 days

Hello, I sent a letter disputing for inquiries and accounts that are not mine to be removed from Equifax, XXXX and XXXX XX/XX/2021. I never received any response back from them. The credit company is not complying with their own policies in a timely manner.
Complaint sub-issue: Account status incorrect

XXXX XX/XX/XXXX I called XXXX bank to report fraud. XXXX XXXX about XXXX in the amt of {$110.00}, plus late charges, and XXXX charges. Was told my Credit Bureaus would update and receive a new card in the mail XXXX to XXXX  days. On XX/XX/XXXX I called again cause I received a statement that still had all the charges on them. XXXX XXXX XXXX XXXX transferred to XXXX in XXXX XXXX XXXX XXXX was told I owed nothing and she would expedite a card as soon as matter was resolved. XX/XX/XXXX called again as this is still on Credit Report. I s/w XXXX then XXXX to XXXX in XXXX XXXX XXXX XXXX they sent a letter & new card on XX/XX/XXXX stating I was not at fault for charges. Have not received anything as of today XXXX XXXX waived XXXX late charges and interest. I supposedly have a {$0.00} balance. She was sending a request to open my acct again. but no guarantee this would happen.XXXX XXXX for Credit Bureaus to update. I don't understand why she's asking to have a new card and to open my Account since they went in my favor and supposedly on XX/XX/XXXX sent me a new card that I have not received. Probably haven't received because they never get my address correct. They keep putting XXXX XXXX XXXX XXXX, XXXX, ME XXXX. When it should be XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, ME XXXX. 

XXXX on XX/XX/XXXX XXXX XXXX XXXX. Acct had been deleted and {$8.00} charge was forgiven. That this should not be on my Credit report. It would be 30 days to update. I would have to apply for a new card. This {$8.00} charge was in dispute as I had ordered slippers that XXXX sent to my old addess in MA XXXX XXXX XXXX XXXX, XXXX, MA. I was told I was not responsible for that charge. The slippers should have been sent to XXXX XXXX XXXX, XXXX XXXX, XXXX, ME XXXX. Instead they close and delete my account. As of today this is still on my Credit Report. I called them and XXXX XXXX and XXXX stated that it would be another XXXX to 45 days. 

I haven't had time today call XXXX XXXX. As this was told to me on XX/XX/XXXX this would be off my Credit Report as well. I had been XXXX XXXX XXXX XXXXXXXX. They took off my late charges and I made double my payment on XXXX card ending in XXXX of {$200.00}. The other XXXX XXXX card ending in XXXX was paid off and now have a {$39.00} credit as I must of over paid. 

My XXXX XXXX card with the government was hit with fraud as well at the same time. They are the only ones that resolved everything for. 

I feel like I am being punished for something I didn't create. None of this was my fault. They made promises that were never followed through with. I will now call them every 7 days until this is resolved or you can help me fix this. This has been a horrible ordeal as I am in the middle of trying to get a mortgage to buy a home. Now I can't and the home I want will be gone before this is resolved. 

Please reach out to me for more information if needed. 

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

According to the FRCA, it is a violation of a conSumers rights to share a credit report without their knowledge! WHY XXXX XXXX XXXX XXXX do I have 24 inquiries on my report?!?
Complaint sub-issue: Reinserted previously deleted info

I have been trying to rectify inaccurate information on my credit file with Equifax since XXXX of XXXX. In XXXX XXXX, I received email correspondence with Confirmation # XXXX that accounts that were inaccurate on my file were deleted. In XXXX of XXXX I also received confirmation # XXXX with results of two more deletions of inaccurate information. I have continued my effort in correcting my file with Equifax since then, and they have been very reluctant to provide me with any proof of validation or evidence for the remainder any inaccuracies. I was then placed in the office of Consumer Affairs which then fraudulently placed a Fraud Alert on my file that subsequently relayed to the other two main bureaus. I did not authorize this nor did I ask for it in writing or verbally. They have tried to make it impossible for a consumer to rectify any inaccuracies. They also added accounts that are identical to other accounts and continue to say that is legal. They did not notify me within 5 days of any reinsertion or any reinsertion of previously deleted information. I had a dispute for two inaccuracies on my file with confirmation # XXXX dated XXXX XXXX that was initiated on XXXX XXXX. I received that in the mail on XXXX XXXX, XXXX. There are breaking the law and have not given me a Certification of accuracy of information as stated in FCRA 611 ( a ) ( 5 ) ( B ). They have also never sent me results for the initial two items I disputed which were disregarded in their last correspondence. This is my last goodwill effort to rectify this matter and if these items are not deleted I will be filing suit in my county for the disregard and damage done to my credit file by not following the FCRA and Laws that govern Equifax Department of Consumer Affairs. 
I am also requesting that they take off the Fraud Alert on my account. I am unable to pull a credit score or information from EQUIFAX because they are blocking my file from 3rd parties. I want that taken off Immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

I filed a dispute regarding three collection items on my credit report. Equifax refuses to properly investigate the items and they remain on my report with damaging effects. I have provided written documentation to substantiate my claim of errors and they have been overlooked. 

XXXX {$2900.00} XXXX {$500.00} XXXX XXXX {$440.00} XXXX XXXX XXXX was an account paid on time and satisfied. I contacted XXXX XXXX XXXX and they confirmed they have also sent them documentation, yet they continue to report late payments.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

i paid for an XXXX  XXXX  in XXXX {$2500.00}, the company went out of business one week prior to use leaving the country in XXXX, and never paid for us to go, I immediately opened a dispute with Discover. Got a temp credit, as did all XXXX other travelers with me, everyone won their dispute with their credit cards except me, I provided tons of documentation. Discover never even told me I lost dispute, I had saw the charge reapplied to my card, so I called them and they said it was because I waited to long and now they can not take back the money, I said I notified you immediately upon learning. Then they said I didnt provide enough documentation, HOWEVER the merchant that went out of business they allege provided a receipt of payment, that is all and Discover awarded them the win and made me pay an additional {$2500.00}. They did NOT provide the trip i paid for and took my money and Discover awarded them the win. NO other credit provider awarded the win to the credit card company except Discover and me. I have tons of docs to show you in support of my claim, including the one receipt that the merchant provided, there is ZERO evidence to support Discover awarding them the win. All big trips are paid way in advance, that is why I paid in XXXX for an XXXX trip
Complaint sub-issue: Their investigation did not fix an error on your report

ihave asked numerous times for Equifax to send me a signed copy saying I open the XXXX XXXX XXXX card and a copy of everything charge to that card. Equifax has yet to send me those copies I did not open a XXXX XXXX XXXX card nor did I charge anything to a XXXX XXXX XXXX. I need this proof sent to me or I need the account deleted from my credit report by law you must send me the copy and the proof this is my account.
Complaint sub-issue: Problem with product or service terms changing

XXXX XXXX promotes paperless billing and provides an online and mobile app for customers to access payment information. 
XXXX XXXX online billing and payment history did not ( and still does not ) provide correct information regarding a payment on my account : Payment of {$410.00} made on XX/XX/XXXX for XX/XX/XXXX and XX/XX/XXXX statements. 
XXXX online billing and payment history shows XX/XX/XXXX payment of {$410.00} as a processed payment, provides a confirmation number, as well as a green check-mark, just as all other payments that have been made. This payment was actually returned due to NSF from my bank. I did not receive notice from XXXX XXXX. 

This misinformation led me to believe my account was up to date. In reality my account was past due from XX/XX/XXXX through XX/XX/XXXX, and two 30 day delinquent payments have been reported to credit agencies for months of XX/XX/XXXX and XX/XX/XXXX. It also caused continued late fees and interest to build on my account.
Complaint sub-issue: Account information incorrect

There is incorrect information on my credit report. I have sent several letters requesting that the incorrect and unverified information be removed from my file. XXXX XXXX  has failed to provide me documentation on file that proves the account is accurate, nor have they deleted the inaccurate unverified accounts. I am requesting that the accounts are deleted immediately
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself. This account is reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account. 

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

REMEMBER : the account name and account number goes in the parentheses. 

In accordance with the Fair Credit Reporting act ( 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 * 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Complaint sub-issue: Reporting company used your report improperly

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX EMPLOYER : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Inquiries : XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX  Collections : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EMPLOYER : XXXX XXXX  XXXX Equifax Collections : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX EMPLOYER : XXXX XXXX XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

ProCollect , Inc, Amount : { {$660.00} } To Collection Manager : This letter is the second time to inform you that the validity of this debt is disputed. I am unaware of this account and have no verification this debt is mine. I only know of this account based on it being reported in my credit report ( s ). As we both know, I have the right to dispute this account, request for verification, and/or request for validation of this debt. However, in order to quickly resolve this account, I would like to see the contract/agreement with my signature and any other supporting document you may have that I have willingly entered into any sort of agreement with ProCollect , INC and if or where I agreed to have business with you or paperwork contracted for myself & ProCollect , INC. I have made several attempts to reach your organization without resolve as each time because I am asked personal information which I do not feel obligated to give out to your representatives as I have no knowledge of being contracted to you in any way. Bills, and any statements that are originated from a secondary part are not considered validation of debt to you. Unless ProCollect , INC can provide proper validation as recognized in FCRA 15 U.S. Code 1692g ALL reported information regarding this account must be deleted from ALL credit reporting agencies immediately following receipt of this letter as specified above. Thank you for your time.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX, ID XXXX XXXX XXXX  XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX SD XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX In accordance with the Fair Credit Reporter Act XXXX  account number # XXXX, # XXXX, and # XXXX has violated my rights, 15 U.S.C 1681 Section 602 8 States I have the right to privacy.

15 U.S.C 1681 Section 604 a section 2 I also state a consumer reporting agency can not furnish my account without my written instructions.
Complaint sub-issue: Trouble with how payments are being handled

I have an ongoing issue with XXXX. I have a case open. Now they sent me a letter saying I am delinquent but the account page says no payment is due. The letter was generated 3 days after my last payment.
Complaint sub-issue: Account status

" I would like to formally dispute the way XXXX XXXX XXXX Loans Account # XXXX is reporting the mortgage I had with them in the past. They are still reporting it as a foreclosure but will not update it to show that the account was eventually settled through a short sale in XXXX. This same account was transferred to XXXX and XXXX is reporting it accurately. I 've uploaded XXXX page of my recent credit report which shows how both XXXX XXXX and XXXX are reporting the same account ( the XXXX reporting is just underneath the XXXX reporting ). XXXX added the key verbiage " Creditor Settled for less than amount due ''. That is the standard verbiage used to reflect a short sale. For some reason, XXXX XXXX does n't want to do that. Furthermore, when I submitted a formal request to XXXX XXXX in writing to ask them to correct this a few months ago, not only did they refuse to correct it but they actually compounded the error by reporting that they started foreclosure proceedings XX/XX/XXXX which is completely wrong! They need to adjust the history so that nothing derogatory is dated on their reporting after that short sale which ended XX/XX/XXXX which is how XXXX is reporting it. ''
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is showing I have  XXXX  accounts in collection status with  XXXX   XXXX   XXXX   XXXX .      XXXX   XXXX   XXXX  has submitte d 1 d eletion request for each of the  XXXX  accounts and I have copy 's of all  XXXX  letters. I have also mailed via  USPS  the deletion letters as well as uploaded them to Equifax.     Equifax refuses to remove the inaccurate accounts from my credit report. This has been over the course if of two months with multiple phone calls, emails, mail requests from myself and the original creditor. as well as online disputes.     This needs to be corrected.
Complaint sub-issue: Can't use card to make purchases

I applied for Citi XXXX card on XX/XX/2022. Somehow the application did not go through and they asked to validate my identify with a mail. After 2 weeks waiting, I finally received the mail and got approved. However, after I made the first purchase on XX/XX/2022 with a small amount, my card was locked. First time I called the customer service, and the agent promised the card was unlocked. I tried again, and it was still locked. When I called them the second time, they said I need to wait another two weeks to receive a mail to validate my identity. They did not provide any other solutions. I told them I was moving to another place soon, and asked if they could make sure to send the mail to my new address. They were confident that the mail would be sent to the latest address without even asking my new address. After 2 weeks ( XX/XX/2022 ), no surprise, I still did not get the mail, and I needed to reach out to the renter in my previous place. I finally got the mail and called them to validate my identity. After answering all the security questions, they were having trouble validating my phone. I told the agent my original phone number was currently unavailable and I could provide another phone number or call back letter when my network gets fixed. She just ignored me and directly locked my account again, asking me to wait for another 2 weeks. Finally, I have to close the account to avoid the {$95.00} annual fee charge because I don't even know if I will be able to use the card or not.