Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem getting a working replacement card

I have a Citibank Doublecash credit card, which I misplaced. 

I phoned Citibank XXXX and the automated message asked me for my credit card number, which of course I don't have because I lost it. 

So the message said that I could access the system another way, by putting in my social security number, which I did. It then asked me for the last four digits of my credit card! 

XXXX am I supposed to put in my credit card number when I lost it? 

So I found another phone number for Citibank, XXXX, and managed to speak with a representative. But the connection was muffled and we had difficulty hearing each other. She asked me for my SS # which I gave her. Then I asked her to repeat the number to make sure she had heard it correctly- which she refused to do! So I hung up, because if she has the wrong SS # she is useless.
Complaint sub-issue: Their investigation did not fix an error on your report

The Credit bureaus are reporting inaccurate information on my report of a bankruptcy that should not be reporting. I have tried disputing this information for almost one year and they don't seem to care or want to take it off. I contacted the Bankruptcy court and they have not reported anything to the bureaus and said third party companies maybe reporting inaccurate information.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent XXXX copy of my account statement from NYS department of social services after XXXX XXXX reported that I was in collections for {$110.00} from XXXX XXXX. The NYS department of social services paid my bill in full when I was laid off several years ago and I have been on a payment plan to repay NYS social services. XXXX XXXX sent me and XXXX a copy of a computer print out with no record of the payment from NYS Department of social services and it was not itemized, as I requested. XXXX has not responded to my request to correct this and remove from my report. XXXX took the computer printout submitted by XXXX XXXX to not remove, and when I again, submitted my account statement from NYS department of social services they did not respond and stated to CFPB that there was an unauthorized third party, yet this remains on my XXXX   and XXXX reports. XXXX has consumer disputes and XXXX does not.
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted Equifax and XXXX  in reference to accounts : Dept of Ed/XXXX   XXXX ; Dept of Ed/XXXX XXXX ; Dept of Ed/XXXX  XXXX ; Dept of Ed/XXXX XXXX ; Dept of Ed/XXXX XXXX. I contested the accuracy of the furnisher 's reporting of the payment history which both companies responded to my dispute that the accounts were being accurately reported. How are these accounts being " accurately reported '' when they have the payment status for XXXX listed as " OK '' but the following month XXXX is listed as 90 Days late. How can they report a 90 day late payment status without first reporting 30 and 60 day late payments. These erroneous accounts should immediately be deleted from my consumer report.
Complaint sub-issue: Their investigation did not fix an error on your report

Im a victim of identity theft and Equifax is keeping reporting unauthorized fraudulent inquiries to my credit report, I did disputed several times but equifax never fixed the errors. I did contacted the financial institutions who reported these inquiries, they thankfully did sent me letters stating that theyre sorry and they will contact equifax to remove them from my report. I did sent copies of these letters to equifax many times asking them to remove them but their outcomes always saying the inquiries are accurate. I dont know what to do anymore. Equifax is giving me a hard time and insisted to report wrong inaccurate information to my credit report. 

Unauthorized fraudulent inquiries are : XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX, XXXX XXXX
Complaint sub-issue: Trouble using the card to spend money in a store or online

XXXX. XXXX 2022, XXXX bought me a prepaid gift card from XXXX XXXXXXXX XXXX at XXXX for {$500.00}. I link my XXXX to buy what I need on a site, I shop a lot on this site, I know their customer service, they are loyal I am a regular customer, but on XX/XX/2022 this card Reported as unauthorized by XXXX. I am puzzled. I have the card and the card receipt in my hand. Why is it unauthorized? They canceled my order, then I called the back of the card and provided some documents as they requested, sent a fax to XXXX, including a driver 's license, the front and back of the card and the card receipt and my home address. The card is registered to a warehouse address, I asked them to mail the new replacement card to my home address or my company business address, then I called them again because it's been a month and I haven't heard anything, they just replied that I'm still investigating, let I'm waiting, I didn't even get in the case number, why they don't verify and believe it If someone reports unauthorized, my card and receipt are kept but it doesn't protect my card balance, I read a lot about this card online Complaints, they all acted the same way, embezzled our money and no one replied to you.
Complaint sub-issue: Received bad information about your loan

I just received a letter from my current student loan servicer, Fed Loan, dated XX/XX/XXXX,  which states that I have made a total of 23 qualifying payments towards PSLF. However, this is incorrect as I believe this only reflects payments made while my loans have been serviced by Fed Loan since XX/XX/XXXX. I have been making qualifying payments under an approved IBR plan since XX/XX/XXXX, when my loans were serviced by XXXX. I believe there should be another approximately 24 months of qualifying payments. 

I am asking for a statement which includes ALL qualifying payments I have made on my loans, including all servicers of my loans. 

I am also requesting a payment history on my entire loan history, including all servicers of my loan. I can not view this history on Fed Loan 's website. 

I am attaching theXX/XX/XXXX letter from Fed Loan, as well as a statement I have from XXXX from XX/XX/XXXX which shows my IBR payment due of {$450.00}, of which I made 12 payments from XX/XX/XXXX through XX/XX/XXXX. I do not have a copy of my statements from XX/XX/XXXXthrough XX/XX/XXXXwith  XXXX, as I no longer have access to the XXXX account since my loans were service transferred to Fed Loan.
Complaint sub-issue: Account status incorrect

On XX/XX/22 I filled a complain through the CFBP for a incorrect collection that was placed on my account on XX/XX/22 the company responded & said the collection was closed with explanation from my XXXX report. 

For the amount of {$160.00} debt from XXXX XXXX. I called and canceled the membership prior to them placing a collection on my account. I sent several letter to Equifax no response.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have contacted Equifax in regard to a hard inquiry on my credit from a XXXX, XXXX XXXX XXXX, XXXX MD XXXX. I have informed them that I did not authorize that they are reporting something incorrectly and that since I did not authorize this its is against the FCRA as it was not for employment, credit, insurance or court ordered and I do not know what this is for. They have refused to remove something that I have informed them is incorrect and have put it back on the company that pulled this.
Complaint sub-issue: Investigation took more than 30 days

XXXX  XXXX  is trying to collect on behalf of XXXX XXXX XXXX for an unknown debt. XXXX XXXX has not supplied any proof of contract, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter 4 months ago. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from any of them. It has been over 60 days since the initial dispute. By law, the maximum time to respond is 30 days. This negative account in the amount of {$1500.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws.
Complaint sub-issue: Investigation took more than 30 days

it has been more than 30 days and the credit companys have yet to remove these accounts or send me any information about these accounts
Complaint sub-issue: Reinserted previously deleted info

I had a XXXX Credit Card account investigate though Equifax. After 30 days of investigation the account was deleted. I have a XXXX account which is updated every 7 days and the credit card account is being reported once again. What 's the since of trying to solve your credit situation and we as consumers are constantly battling with theses agencies and the information gets put back on the report after a month or a couples of months.
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ; ( Original Creditor : XXXX  XXXX   XXXX ) XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX   XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX   XXXX ;
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted each bureau by certified mail and they have not corrected the unverified accounts. Here there are : XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX.
Complaint sub-issue: Problem during payment process

On  XXXX     2017  My   XXXX   sent a certified check via overnight mail to Citibank-in the amount of {$9800.00} to address : Citicards, Citibank /  XXXX ,  XXXX .  XXXX   XXXX ,  XXXX , KY, XXXX . The check number is :  XXXX  again in the amount of {$9800.00}.  <P/> I have called ove r 5+times to ask where this payment is-thus far, " no payment has been found '' -this is a lie, as my certified  tracking shows mail was delivered.  <P/> Where is my payment?  <P/>  XXXX   XXXX
Complaint sub-issue: Didn't receive terms that were advertised

In XX/XX/2022, I opened my US bank checking account with the bonus offer code XXXX, and met all the offer requirements in order to receive the {$500.00} bonus with a couple of month. However, no bonus was posted to date. I contacted US bank in XXXX and they opened an investigation for me. Today, I received a letter dated XX/XX/XXXX from US bank customer care specialist denying my offer, with the reason being I opened this account thru an alliance website. This was not disclosed during the account opening process and the promo code XXXX was accepted without any issues. There were no terms in the bonus offer that specifies that the bonus offer can not be applied for accounts opened thru an alliance website. 

Therefore, I request US bank to honor the bonus offer and credit the bonus immediately.
Complaint sub-issue: Confusing or misleading advertising about the credit card

Citi Bank has never sent me my bill with the proper discolure pursuant to the Card Act regarding the Minimum payment warnings : The CARD Act requires credit card companies to tell users 1 ) how long it will take to pay off their balance if they only make minimum payments and 2 ) how much they will have to pay each month to pay off their balance in 36 months. I'm not receiving my statement with the minimum payment disclosure pursuant to the Card Act. 

I'm very confused about the minimum payment regarding the attached statement and current balance.
Complaint sub-issue: Debt is not yours

Back in XX/XX/2018 I advised Equifax that I am a victim of identity theft and you are reporting inaccurate fraudulent accounts onto my credit file that do not belong to me. I have contacted each company listed below yet they can not validate these accounts with me so how in the heck are hey verifying them with you? Equifax deleted accounts yet inserted them back without giving me notice as well. Once again these accounts do not belong to me so why are you repeatedly continuing to report these onto my credit file. Please remove these accounts listed below and in the attached documents from my credit file immediately as they are a result of identity theft. As directed by section 605B of the FCRA notify all furnishers of this information and remove from my credit file immediately.i will be forced to file suit against Equifax as well as the listed companies if they are not deleted immediately. There are no contracts bearing my signature nor have they provided any proof that I have ever had any obligations to pay them. Im getting fed up with the false reporting.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reporting a bankruptcy on my credit report. The bankruptcy has incorrect information and is unverified. I disputed the bankruptcy. Equifax responded that the account was verified as accurate through a 3rd party company, XXXX. Equifax is NOT allowed to verify information on my report with a 3rd party who has the information wrong. Only the original source can verify the account. The original source is the bankruptcy court, who has confirmed to me that they do NOT report or verify ANY information with credit reporting agencies. Therefore, this information was verified illegally with XXXX.
Complaint sub-issue: Problem making or receiving payments

DATE OF TEXT : XX/XX/21 @ XXXX FROM XXXX ( XXXX ) XXXX CITI ALERT : WE CANCELED AN UNAUTHORIZED WIRE TRANSFER OF {$1500.00} ON XXXX, CLICK HERE HTTPS : XXXX FOR VERIFICATION! THANK YOU THIS IS A SCAM
Complaint sub-issue: Information belongs to someone else

On XXXX XXXX I received a letter from the presidential office of XXXX XXXX XXXX  about the XXXX XXXX XXXX  card being reported on my credit report and was informed that could not find any application or account in my name. This account is fraudulent and needs to be removed asap. I am unaware where XXXX, Equifax, and XXXX is getting my information from if XXXX XXXX XXXX  said they have no such information in their system. This is identity theft pursuant to 15 USC 1681a ( a ) ( 3 ). I never authorized XXXX XXXX to use or transfer my identification to any company. This is defamation of character to report negative inaccurate information about a consumer. I tracked my certified letters to the reporting agencies, and they failed to respond or open an investigation. This is not a request to reinvestigate but a demand to remove tradeline due to failure of proper investigation into inaccurate information being reported. I DID YOUR JOB BETTER THAN YOU DELETE THE TRADELINE
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reporting via 3rd Party ( reported to be XXXX ) a Chapter XXXX Dismissed Bankruptcy allegedly report to be in XXXX, XXXX. I contested this reporting directly with Equifax in writing ( XX/XX/XXXX ) and they responded that it was reported by a 3rd Party ( XXXX ) to them. I then filed a Complaint ( XX/XX/XXXX ) in writing directly with XXXX after being told this was the reporting 3rd Party by Equifax. Initially they gave me the " round around '' asking for identifying personal information that they had already been provided. I provided this info again as well as filed a Complaint ( XX/XX/XXXX attached ) against them with the NC Attorney General 's Office Consumer Protection Division. XXXX then responded that the contested Bankruptcy information had been deleted from my file with them. I then in writing ( XX/XX/XXXX ) relayed that information along with another contest of the reporting to Equifax and included the document ( attached ) from XXXX stating that the Bankruptcy filing had been removed from my file with them. Equifax as a result started a " new '' Dispute investigation and on XX/XX/XXXX notified me that it was complete and the the 3rd Party had " verified '' the Bankruptcy information. That's not true or possible as XXXX themselves verified in writing that the informati on had been removed from their files just two weeks earlier. In addition the Federal Bankruptcy Clerk of Court as p er US Bankruptcy Court Policy does not verify or report bankruptcy cases to any credit bureau 's or other such 3rd Party 's.
Complaint sub-issue: Information belongs to someone else

This is the several time I've complained about being a victim of identity theft. The XXXX Credit Bureaus must remove any account that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX : {$18000.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I have been patiently waiting on Equifax 's response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the erroneous inquiry reporting on my Credit Report : ( XXXX Inquiry Date XX/XX/2020 )
Complaint sub-issue: Keep getting calls about your loan

I keep getting calls from this number ( XXXX ) XXXX, saying they are calling from general revenue corporation to collect a debt. 

I know I was behind on payments, but I had just received a letter from the school asking if I wanted to apply for a deferment, due to my income. I signed the letter and sent it back. About two weeks ago, I was still receiving that I had an amount due, so I made a payment of {$170.00}, so I can catch up on  the {$1400.00} I owed. I then later on kept getting calls from this number, which I answered and they kept asking for my birthday to verify identity, but I felt uncomfortable giving them that information since I had no information about them, or made payments through them before. Right after I hung up, my mom calls me saying that a company is calling my uncle asking for myself, and my husband. The number that called my uncle was ( XXXX ) XXXX. I found this very rude, since I do not want any of my family members receiving calls about my business! I don't even have my uncles numbers, so Im wondering how did they have that information? Also my uncle said they mentioned my husband in the phone call, and I have never given any information about my husband in any paperwork for my debt nor my uncles. I went online to check on XXXX since that is where I make my payments, and it says I have no payments due as they are extended until XXXX of 2020, BUT this company continues to call me while I am at work. Yesterday, XX/XX/2020 they continued to call my uncle asking for my information, as well as disclosing I have a debt with my student loans. That is information I don't share with anyone, not even my parents so I don't think they should be sharing it with people who I have very little connection too. 

I am tired of receiving these call
Complaint sub-issue: Their investigation did not fix an error on your report

I have not received any confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have an authenticated sworn testimony from my end which I will gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. ******* ( copied form the affidavit ) ******
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX account number 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: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00}
Complaint sub-issue: Reinserted previously deleted info

Equifax is reporting an account that was previously deleted from my credit report from XXXX, and sold to XXXX XXXX. and they started reporting the account on my credit report without sending out any notices in writing as required under FCRA and FDCPA. I have disputed these alleged account several times alone with documentation showing that this account was previous deleted from my credit report. I contacted XXXX to request verification of the debt after I saw it on my credit report and asked them why they did n't notify me before they placed these alleged accounts on my credit reports. I have documentation that shows a zero balance from another company that had these alleged accounts. I want these alleged accounts removed and not resold to another collection company so it can be placed back on my credit report. The Collection company is also in violation of changing the dates of these alleged accounts.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX factual data inquiry All of these are inquiries were reported to my credit without authorization!
Complaint sub-issue: Public record information inaccurate

Under the FCRA, I request that LexisNexis immediately notify XXXX, XXXX , & XXXX of the folllowing : That the bankruptcy Item US BKPT CT XXXX is deleted from my file. And to provide me with a copy of said communication. Under the FCRA, I have the right to : - Request that LexisNexis furnish notification of the deletion of disputed information or a dispute statement to any person specifically designated by him who has received a LexisNexis consumer report for employment purposes within the past two years, or received a LexisNexis consumer report for any other purpose in the past six months ( twelve months for residents of XXXX, XXXX, and XXXX XXXX  ).