Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Report improperly shared by CRC

My concern is with Citcards XXXX Score information on their website. Their website is showing an inaccurate XXXX Score, they state that two situations impacted my score which are, late payments and missed payments and oldest account is to recent. Citibank receives this information from XXXX. I pulled my most recent credit file from XXXX and it does n't show any late payments nor missed payments, also my oldest account is XXXX years old. I called XXXX and they said I ca n't dispute anything because there is nothing to dispute and told me to call Citibank, Citibank tells me that they ca n't do anything because the information is from XXXX and that I need to dispute it with them, my credit file has nothing inaccurate to dispute, also other banks provide similar service and their scores are totally different for example ; XXXX score is XXXX, XXXX XXXX score is XXXX, but Citibank is showing XXXX, this problem has impacted my APRs on my credit cards from Citibank from 9 % to 16.24 %.
Complaint sub-issue: Account information incorrect

Account XXXX is reporting inconsistently across bureaus. 
Date opened is inconsistent across bureaus. 
the last report date is inconsistent across bureau Term is inconsistent across bureaus. 
XX/XX/XXXX status of current and 60 days late XX/XX/XXXX is inconsistent. 
This account was not opened with XXXX XXXX in XXXX of XXXX
Complaint sub-issue: Account information incorrect

I have attempted to remove inquiries from Equifax Credit profile due to fraud. These inquires are as follows : XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I also contacted XXXX  and they have notified all credit agenicies to delete said inquiries from my credit file for an unauthorized application. ( See letter Dated XX/XX/XXXX ) I have previously filed a report and have yet to get this matter resolved ( See attachment ) Also on XX/XX/XXXX I have another unauthorized inquiry from XXXX XXXX  that is from an unauthorized application since I have no personal business with XXXX XXXX  I wish for this inquiry also to be removed.
Complaint sub-issue: Account status

The status of the payment history on my Mortgage account is incorrect. 
Hi. My issue concerns the lack of accurate and proper reporting of payments on my credit report. I have never been late with my payments. I have actually paid 90 % of them early. This is concerning my Mortgage payment history with a company named XXXX XXXX XXXX ( XXXX ). Once again, I have never been late with even a single payment to them. However, XXXX has reported me as being late 9 times and at 180 days late on each XXXX. I have receipts for each and every XXXX of them to prove it too. I am including them. There are no late payments at all what so ever from the time the mortgage was originated in XXXX until right now. Not a single XXXX. These inaccurate and derogatory payment history reports need to be removed and corrected immediately. I have tried to resolve this very simple and easily solved issue for more than a year at this point between XXXX and the Credit Reporting Agencies. XXXX stated in XXXX to the CFPB that XXXX is reporting correctly and it was the Credit Bureaus that are making the mistake and reporting it incorrectly. 
Having XXXX day undeserved late marks on my credit history is absolutely devastating my score, my ability to gain other or build other credit, my ability to create seasoned accounts/length of time, stripping me of the security of having credit cards or gaining access to loans should any kind of life emergency take place and the list goes on. It is also serving to make it even harder to gain access to a decent Mortgage Lender or Mortgage Rate and get away from XXXX too. 
I am submitting The original Mortgage Docs which clearly state that payments are due on the XXXX of the month and that the payments start on XXXX XXXX XXXX. I am also including the letter of transfer from XXXX stating that all payments made on or after XXXX and on will be made to XXXX. ALL payments have been made on time or early the entire time. I am including copies of the receipts of every last single XXXX of them.One may go through from front to back.back to front or however one would like and will see very easily that all of the payments were made on time or early. Next months Mortgage payment will also be made over 2 weeks early ( XXXX XXXX ). This issue has stopped me from moving forward and caused a lot of damage. The time is lost, it can not be fixed. It can never be gotten back. This issue needs to be resolved and reported correctly immediately. I have all of the proof in the world that I have made my payments on time.
Complaint sub-issue: Can't temporarily postpone payments

When I was on a XXXX XXXX, I was on XXXX but not paid for XXXX months. I contacted whichever company was handling my student loan at that time ( I do n't know for sure that it was FirstMark as my student loan is continually sold to other companies ). I let them know that I was on unpaid leave and asked if they had any options to place my account in a deferred payment status or any options for someone that did not have income. At that time, my account was in good standing. The representative stated they did not have any options for someone with no income. She said I either have to pay it or it would go to collections. I asked again, what options they have for people with no income, as my account is in good standing. She said you either pay it or it goes to collections. 
This is negatively affecting my credit and has negatively affected my ability to gain employment. I would like this item removed from my credit report and the balance forgiven for my XXXX experienced from the negative reporting.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

Through XXXX XXXX 's credit monitoring, I noticed there was a collection out for slightly more than $ XXXX from ERC for the date of XX/XX/XXXX, which was not present on XXXX credit score report ( using XXXX ). Called the phone number listed on XXXX XXXX for the ERC company in question, which immediately asked for my Social Security Number ( I did not provide ). Looking at the phone number and address provided, they differed from the website for ERC. Fraudulent impersonator 's info : XXXX XXXX XXXX XXXX Florida, XXXX, phone number : XXXX. Upon contacting ERC through the phone number on their more legitimate looking website ( found on XXXX ), they said this information was not associated with their company.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX both have 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

On XX/XX/XXXX. I have contacted Lexis Nexus, XXXX, XXXX, and XXXX. About a XXXX  XXXX Bankruptcy. I told them under US Bankrupurcty courts. The court do not verify and do not report to the credit the credit bureaus. I just want the information on my public record to be remove.
Complaint sub-issue: Trouble with how payments are being handled

XXXX offers a .25 % interest rate reduction for auto payment. XXXX requires " additional identity verification '' before allowing users to sign up for automatic payments. Despite answering the online questions for identity verification I was told they are unable to verify my identity. Because of this I was requested to mail a copy of three of the following to XXXX : Driver 's License Social Security Card Passport Birth Certificate Prior Year 's XXXX All of these items contain highly sensitive that nobody with a sense of security would provide to anybody. This additional identity verification puts consumer 's privacy at risk and puts an unfair hurdle to receiving the .25 % interest rate reduction.
Complaint sub-issue: Their investigation did not fix an error on your report

This credit reporting agency continues to report adverse information on my credit report without my consent. I have requested several times from the Credit report agency to remove un-verifiable information from my report. They have not complied to my demands or provided proof that the information was verified. Which is a violation of my consumer rights. I am asking for the help of the CFPB to assist me with this credit reporting agency as they are willfully not complying and violating several Federal consumer laws with no consequence and negating proper compliance investigative procedures when a CFBP complaint is filed by simply closing my complaint by stating we will mail you the results. CFBP stop allowing this credit reporting agency get away with this. There no compliance has caused me great hardship and I need your assistance immediately to ensure they comply and follow federal consumer laws. I request they provide proof of evidence via CFBP immediately!
Complaint sub-issue: Debt is not mine

I have never engaged in any business with XXXX nor have I received any products or services from this company to whic IC Systems is trying to collect payment for.
Complaint sub-issue: Debt is not yours

I have been living outside of the country since XXXX, I am now looking to move back to the states and I am trying to get a new home. My credit was pulled and my scores were lower than I was anticipating. Upon review of my own credit report I realized there were several inquiries and accounts on my credit report that I was not associated with. 

The accounts are listed below : IQ DATA INTERNATIONAL Date opened : XX/XX/XXXX Amount owed : {$14000.00} Account Number : XXXX XXXX XXXX XXXX XXXX XXXX : {$510.00} Date opened : XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Amount owed : {$390.00} Date opened : XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Amount owed : {$83.00} Account Number : XXXX XXXX XXXX XXXX XXXX  Date opened : XX/XX/XXXX Amount owed : {$0.00} Account Number : XXXX
Complaint sub-issue: Other problem

I am sending this regarding the expired Costco Cash Rewards Certificate. XXXX XXXX, I went to my local Costco warehouse in order to use my certificate towards merchandise. When I got to the cashier I was told to when I was trying to pay for my merchandise that I would have to go to customer service and get this exchanged to cash or check. So I went to customer service and the employee told me he would have to speak to his supervisor about this and the supervisor told the customer service employee to speak to the manager. I spoke with XXXX the manager of the Costco Warehouse in XXXX at around XXXX and he told me that in order to use this check, Citi will have to reissue another Costco Cash Rewards certificate in order for me to use it for merchandise. Please reissue me another certificate.
Complaint sub-issue: Was not notified of investigation status or results

Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted. I XXXX XXXX, have created and submitted this dispute solely and only for me. Do not respond stating otherwise. Thanks.
Complaint sub-issue: Frequent or repeated calls

Receive robo calls from a firm identified as ERC. Have blocked their number XXXX with my provider XXXX, which worked for awhile but now are being repeated daily. XXXX advises ERC uses multiple numbers which defeats the blocking feature. They advised me to report this to you and that you would follow up on their violation.
Complaint sub-issue: Debt is not yours

This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the XXXX. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

I faxed the mortgage company XXXX XXXX XXXX the 2011 Chapter XXXX discharge court case last week. XXXX XXXX XXXX continue to report the mortgage loan on my credit report, and I was called today about the mortgage payment for the month of XXXX. They informed me that they are attempting to collect a debt. This liability was never reaffirmed and was included in Chapter XXXX, which as discharged in 2011. The representative from XXXX XXXX XXXX informed me that they are aware of the Chapter XXXX discharge, but that I still owe the debt since they hold the lien to the property.
Complaint sub-issue: Card opened as result of identity theft or fraud

Account was opened in my name without my permission- Refer to The Below Alert I have been made awareness of the responsible person is that has been using my identity for some time now without consulting with for my permission or anything of that nature.. 

XXXX REPORT STATES : Account Details High Credit {$18000.00} Owner UNDESIGNATED Credit Limit {$32000.00} Account Type REVOLVING Balance {$1700.00} Date Opened XXXX XXXX, XXXX Amount Past Due Date Reported XX/XX/XXXX Actual Payment Amount Date of Last Payment XX/XX/XXXX Date of Last Activity Scheduled Payment Amount $ XXXX Months Reviewed 12 Delinquency First Reported Activity Designator Creditor Classification UNKNOWN Deferred Payment Start Date Charge Off Amount Balloon Payment Date Balloon Payment Amount Loan Type Flexible Spending Credit Card Date Closed Date of First Delinquency Comments Contact CITICARDS CBNA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance to the Fair Credit Reporting Act the following accounts have committed violations... 

XXXX XXXX XXXX XXXX XXXX ( {$5500.00} ) XXXX XXXX XXXX  XXXX -XXXX XXXX XXXX XXXX 15USC 1681 section 602A states I have a right to privacy 15USC 1681 section 604A section 2 states consumer reporting agency can not furnish an account without my written instruction and/or consent.
Complaint sub-issue: Account status incorrect

In XX/XX/2022, my student loans with FedLoan Servicing were transferred to XXXX pursuant FedLoans contract termination with the federal government for student loans. When FedLoan transferred my loans, rather than adhering to the Department of Educations guidance that student loan accounts should be designated as transferred rather than closed, FedLoan reported my account as closed, resulting in a 73+ point drop to my credit score. This significant drop caused exclusively by the way FedLoan reported the transfer has serious ramifications on my ability to make purchases requiring the use of credit. Because FedLoan is no longer operating as a student loan servicer and no longer has access to any of my accounts, I can not raise the problem with them directly.
Complaint sub-issue: Other problem

I received a letter ( dtd XX/XX/19 ) from Best Buy Credit Services stating that they were unable to process my application for a Best Buy Visa Platinum because there is a security freeze on my credit report. I never submitted an application for a Best Buy Visa. 
When I called the Manager, credit Review at XXXX and spoke to " XXXX '' I was told that the application included my social security number and date of birth. I asked how Best Buy obtained this sensitive information. XXXX told me the credit card application took place at the cash register when I made a purchase on XX/XX/19 at Best Buy store # XXXX, XXXX XXXX XXXX, XXXX, VA XXXX. XXXX recommended I speak to the manager at that store. 
I went back to the store and spoke to " XXXX '', the acting general manager. She printed eleven pages of the " ejournal '' for my transaction on XX/XX/19 showing the transaction line by line. There was not sensitive information in the ejournal. She said she would look at the security tape for that day and call me back.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX  and XXXX  are reporting 2 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Complaint sub-issue: Information belongs to someone else

In XX/XX/XXXX I needed a credit card to use to charge airline tickets, hotels, car rentals etc. as part of my job as a traveling computer consultant. I was having g credit issues that resulted in a bankruptcy filing in XX/XX/XXXX so I asked my sister to add me to her XXXX XXXX Credit Card ( XXXX XXXX ) as an authorized user. She called and did so. I used the card until XXXX at which time I returned the card to her with no balance. 
She began using the card and reporting to all 3 credit bureaus reflects that that account is mine I never signed anything authorizing them to make me a co-owner of that account. Now her account repeated shows up as mine and it causes a heavy usage to reflect on my account since she has the card at 90+ % of the limit.

I have on 2 separate occasions written and asked for proof that I signed anything making me the owner of the account. I get back a response that the account is reflecting correctly and they refuse to provide me proof that I authorized them to make me a co-owner of the account.
Complaint sub-issue: Don't want a card provided by your employer or the government

Around the middle of XX/XX/XXXX I received a U.S.Bank Reliacard Visa Debit card in the mail. I did not sign up or request this card, nor any other cards. I did not activate this card because I was not sure what it was. After doing research, this particular U.S. Bank Reliacard is part of a huge unemployment scam resulting from the Corona Virus Pandemic. I have contacted several government agengies and submitted complaints. I have spent numerous hours in research, calls, inquiries, emails and appearances regarding this U.S. Bank Reliacard. I have also had to put a freeze and fraud alerts on my credit reports. Someone has tried to use my identity to fraud the government for unemployment benefits resulting from Covid. At the beginning of XXXX I received a 1099-G for Government payments from Ohio Department of Job and Family Services with my information showing that I had received unemployment compensation in the amount of {$8400.00} that needs to be filed with my XXXX tax return. At no time have I EVER SIGNED UP FOR UNEMPLOYMENT - NOR HAVE I EVER RECEIVED UNEMPLOYMENT FUNDS OR BENEFITS.
Complaint sub-issue: Reporting company used your report improperly

I sent in the disclosure to Opt Out from XXXX XXXX selling/giving/using/sharing any of my information to third party and without my consent they gave my information to XXXX, Equifax and XXXX. The disclosure was mailed out to XXXX XXXX on XX/XX/2022. After seeing this information was listed on my consumer report, I started a complaint with XXXX XXXX and when I asked if I would receive any acknowledgement of the complaint or completion of the 'investigation ' I was told by the representative that I would not receive any confirmation or letter of acknowledgement. 
XXXX has violated 15 USC 6802 ( b ) ( 1 ), further XXXX, Equifax and XXXX has violated 15 USC 1681b, I never gave none of the CRA 's mentioned above permission or consent to place anything on my consumer report.
Complaint sub-issue: Problem with customer service

This is an ongoing problem for which I have complained many times to the company, to no avail. I use a XXXX service ( virtual private network ) to surf the internet, especially for financial translations, like credit cards or online banking. I do not connect to the internet via wi-fi. For all my other online credit card access ( at least 7 other credit cards ), I am able to log into and check my accounts with no problems. I only have a login problem with Citibank. I get a " temporarily down '' error message. The customer service reps say that 's a generic message. On XXXX/XXXX/XXXX, I sent their technical team an email with a screen shot of the error message which also shows that their site is considered a " trusted site '' by my ad blocking software, but they have not responded. I simply do n't understand why I have no problems logging into other credit card accounts using a XXXX, but not Citibank.
Complaint sub-issue: Threatened or suggested your credit would be damaged

COMPANY CALLED XXXX XXXX XXXX XXXX HOLDS MY DEBT FROM ELAN FINANCIAL SERVICES THEY HAVE RECEIVED 6 LETTERS  FROM XXXX OF XXXX TO XXXX OF XXXX TRYING TO SETTLE THIS DEBT!

THE SETTLEMENT OFFER WAS XXXX WHICH I AM STILL WILLING TO AGREE WITH AS LONG AS THEY RESPOND TO ME, ACCEPT THE OFFERING WRITING AS WELL AS PUT IN WRITING THAT ANY AND ALL INFORMATION PERTAINING TO THIS WILL BE REMOVED FROM ALL THREE CREDIT BUREAUS. 
THEY HAVE REPEATEDLY IGNORED ME.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In XXXX of 2022 I paid for Credit Repair services to remove negative accounts and hard inquiries that were affecting my opportunity for advancement, such as lending for a home. I became educated on consumer laws, E-OSCAR, Metro2 compliance laws. XXXX of 2022 I have spent thousands of dollars on Credit Repair dispute letters, and little impact on the areas that are harming my credit the most. Charge Offs, late payments, hard inquiries - areas that can be considered illegal. I paid off collection agencies without realizing that the debt was taxable income, that it is illegal for creditors to conduct business in a harassing manner all while the debt had been cleared. Paying debt did not increase my score. Hiring a credit repair service has disputed with the agencies, however they are factual disputes versus consumer laws, metro 2 compliance and a plethora of USC violations. 

I have a XXXX Hard Inquiries from this year alone from XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 - XX/XX/2022 ( none attached to open accounts and not authorized ) I have Late payments from XXXX XXXX / XXXX XXXX Charge Off XXXX / XXXX XXXX XXXX Charge Off XXXX / XXXX  XXXX  Late Payments XXXX / XXXX XXXX  Late Payments XXXX ( disputed still pending )/ XXXX  XXXX XXXX These negative accounts are in violation of Metro 2 Compliance Laws, Fair Credit Reporting Act, Equal Opportunity Act, Consumer Laws, specifically Collections/charge offs/inquiries/collections 15 USC 1681 B ( SECTION 604 ) 15 USC 1681 C-1 ( SECTION 605A ) 15 USC 1681 C-2 ( SECTION 605B ) 15 USC 1666 Correction of Billing errors 15 USC 1681 B permissible purpose of consumer reports
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2022 I received the crediting reporting agencies investigation letters. The CRA 's still have yet to correct the inaccuracies on my consumer credit report. I have attached the last letter to try to resolve this matter out of court. If the CRA 's do not resolve this matter within the next 14 days I will be forced to enforce my foreign judgment XXXX.