Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status incorrect

I am writing in regards to my XXXX account. In XXXX of 2015, my account was severely delinquent along with many of my other credit card accounts. We called XXXX XXXX XXXX, a consumer credit service, and signed up to be on a debt repayment program. Each creditor was contacted and agreed to the terms of this program to receive a set monthly payment. Since that time, I have made each and every monthly payment on time to meet the agreed upon due date. I have not missed one payment or made one payment late. I have worked very hard to repay my debt and repair my credit. I have copies of each and every payment and the disbursement to the creditor for all payments I have made. Therefore, I am disputing that XXXX has continued to show a late payment for me each month that I have been on the payment program even though they have received a timely payment each month. This account has been paid as agreed each month and has not been reported accurately on my credit report. XXXX is the only creditor that has continued to report inaccurately every month and I request that this be rectified immediately by removing the late payments from my credit reports. I am attempting to refinance my home and this inaccuracy is preventing me from doing that. Once my house is refinanced, this entire account will be paid in full.
Complaint sub-issue: Account information incorrect

Well I call many times, trying to speak to them about the account always get the operator and they only take payment no way to speak to anyone its setup like a fraud account always ask for your ss # but want let speak to anyone just take a payment tells you there hours of open but never can u speak to anyone just the automated system
Complaint sub-issue: Account information incorrect

I've had two fraudulent hard inquires on my credit that I did not initiate. One is from US Bank on XXXX  and the other is from XXXX XXXX XXXX. I have no idea where these come from and did not try to open any new accounts.
Complaint sub-issue: Information belongs to someone else

Equifax is reporting inaccurate information on my consumer report i filed a dispute XX/XX/XXXX about fraudulent accounts being on my credit report jpmcb card and a XXXX XXXX card Equifax sent a correspondence XX/XX/XXXX and stated that they verified the chase card belonged to me with know proof of verification as i requested there method of verification and they never sent it to me they have my name spelled incorrectly and they also have the wrong address on file. I understand that equifax is supposed to report 100 % accurate information but it seems like they are willingly reporting inaccurate information even though there are flaws in my consumer report. I ask that equifax delete the XXXX account off of my consumer report and delete the XXXX XXXX file off of my consumer report immediately they marked the files as closed but they need to be deleted immediately.
Complaint sub-issue: Information is missing that should be on the report

First my XXXX card balance was not being properly reported to Equifax. Then the XXXX card was completely removed from my Equifax report which took my score down XXXX points. It also tanked my credit usage. I contacted XXXX and Equifax and Neither could give me any guidance or explanation. I have paid my balance down to XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX  are reporting incorrectly that I am 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 8 and 9 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. 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 had a XXXX account which was Closed and Charged Off and Purchased by Another lender, which is reporting late payments as well. Therefore this account is reporting twice on my credit report as a derogatory. 
This is causing me alot of stress as my credit scores are below because of this reporting.
Complaint sub-issue: Sent card you never applied for

Citibank build me for a membership fee of {$95.00} when I had no account with Citibank. I believe this to be a credit card scam. The scam stated I was a member since XX/XX/2017 I've never had a Citibank card in the last 20 years.
Complaint sub-issue: Information belongs to someone else

These accounts are fraudulent accounts : XXXX XXXX {$2500.00} XXXX XXXX {$850.00} XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$2800.00}
Complaint sub-issue: Banking errors

Citi was running an account opening promotion for new customers from XX/XX/2018 - XX/XX/2018. Eligible new customers ( which I am one )  were to receive a {$400.00} account opening bonus by XX/XX/2018 if they met the following requirements : 1. Open a new checking and savings account in the Citibank Account Package between XX/XX/18-XX/XX/18. 

2. Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. 

3. Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days. 

4. Get {$400.00} deposited to your account! 

I opened two Citi accounts on XX/XX/2018 : a Regular Checking and Citi Savings accounts. The Citi Savings account was funded with {$200.00} on XX/XX/2018 and the Regular Checking account was funded with {$15000.00} on XX/XX/2018. I maintained the {$15000.00} balance in the Regular Checking longer than the required 60 days. The balance in the Citi Savings account remains unchanged at {$200.00}. 

According to the terms and conditions of the bonus offer, I should have received the bonus by XX/XX/2018 : If you are an Eligible Customer, enroll in the {$400.00} Checking and Savings Offer, and fulfill required activities ( see required activities below ), you can earn a {$400.00} Cash Bonus which will be credited to your new Eligible Checking Account within ninety ( 90 ) calendar days from the date you complete all offer requirements. 

Make a deposit of {$15000.00} or more in New-to-Citibank funds as explained below into the new Eligible Checking Account and new Eligible Citi Savings Account, and maintain a minimum balance of {$15000.00} for sixty ( 60 ) consecutive calendar days following the date when you made the {$15000.00} deposit. PLEASE NOTE : To meet the {$15000.00} requirement, a minimum of {$1500.00} must be deposited into the new Eligible Checking Account and a minimum of {$100.00} must be deposited into the Eligible Citi Savings Account. The remaining balance requirement may be deposited into either the Eligible Checking Account or Eligible Citi Savings Account.

I have contacted Citi three separate times since XX/XX/2018 and still have not received my bonus, which Citi has  confirmed I am eligible to receive. They have given me a reference number for my case, which remains unresolved. Ref # XXXX.
Complaint sub-issue: Information belongs to someone else

I am submitting a complaint to you today to inform you that I was the victim of identity theft. I studied on how to DELETE the fraudulent inquiries from my file and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX  to file a report and Per FCRA section 605b Credit Reporting Agencies are required to REMOVE these inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of inquiries which do not belong to me or were opened without my permission : XXXX XXXX XXXX Date of inquiry : XX/XX/2021 ; XXXX XXXX XXXX Date of inquiry : XX/XX/2021 ; XXXX Date of inquiry : XX/XX/2021 ; XXXX Date of inquiry XXXX XX/XX/2021 ; XXXX XXXX Date of inquiry : XX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX, I have been a long time card holder of XXXX XXXX ( XXXX XXXX ending XXXX ). On my credit report there is a 30 Day Late Payment for XXXX XXXX. Back in XX/XX/XXXX there was a bank error and a payment that I thought I had made did not go through. I had placed overdraft protection onto my checking account. And I actually made a payment on XX/XX/XXXX and the payment should had gone through. We no longer bank with XXXX XXXX. But I was able to get a copy of our statement from XX/XX/XXXX. 

My wife and I actually reached out back to XXXX XXXX in XXXX for this same issues and you guys fixed it, kind of. Back in XXXX I wrote in to you guys and I had asked for a goodwill adjustment. You guys did agreed to the goodwill adjustment given my outstanding track record and account history. Shortly afterwards the holiday season came and then XXXX shut the whole world down. So this account has been out of slight out of mind. 

The reason Im writing you today is after reviewing my report recently, I noticed that only XXXX updated. Both Equifax and XXXX still show a 30 day late payment for XX/XX/XXXX on my credit reports. My credit card account with XXXX XXXX has been in great standings since I opened it, other then this one 30 day late. A late payment that is now nearly 5 years old. My account is set up for automatic bill pay. And I enjoy having and using the card. I am asking to have Equifax and XXXX updated to remove the 30 day late.
Complaint sub-issue: Transaction was not authorized

I recently opened an online savings account with Vio bank. I requested transfers from my XXXX checking account to Vio for the following amounts : XX/XX/XXXX - {$500.00} XX/XX/XXXX - {$25000.00} XX/XX/XXXX - {$25000.00} XX/XX/XXXX - {$25000.00} I then received a notice that my checking was overdrawn because another transfer was requested on XX/XX/XXXX for another {$25000.00}. 

I then received a Vio email that yet another transfer was unable to process on XX/XX/XXXX in the amount of {$5000.00}. 

These additional transfers have overdrawn my XXXX Checking account and put me at serious risk of not being able to pay my bills. 

I asked Vio bank to stop the excess transfers and they told me they would need to open a dispute which could take up to 90 days. 

I finally put a stop payment for the excess {$25000.00} with XXXX that cost me a {$30.00} fee. 

I don't know if my account was hacked or how the excess transfers were initialized, but they were not done by me.
Complaint sub-issue: Attempted to collect wrong amount

I do not owe this debt. I did not create this debt. I would not have needed alltel in 2010 because it would not be good coverage for XXXX XXXX, Mt, where I lived, nor did I need alltel as my home pH has been XXXX XXXX XXXX for XXXX years plus. 

Please contact me at the XXXX year old number. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, MtXXXXXXXXXXXX
Complaint sub-issue: Debt was paid

I was working with a debt consolidation company to resolve some debt. XXXX XXXX agreed to settle my debt for 30 % of the balance over 3 payments. The payment schedule was {$290.00} on XX/XX/XXXX ( completed XXXX {$1200.00} on XX/XX/XXXX ( completed ) and {$1200.00} on XX/XX/17. The final payment XXXX rejected and reversed they terminated the settlement offer and ended up selling the debt/hiring someone to try to resolve again. I filed a complaint against XXXX XXXX and was told by their response that the payments were late that is why the voided the settlement. I contacted the consolidation company I was working with XXXX XXXX XXXX and they advised me that payments were made electronically through a 3rd party payment account and payments were made timely as negotiated for the settlement. XXXX XXXX did not provide any proof that the payments were received late only wrote dates in a letter format. They have sold/contracted Nelson and Kennard to attempt to handle this account and they have already threatened litigation against me. I have sent in proof of the settlement agreement and explained what was going on and they have never contacted me back. I have called about 5 times now and found that they already started paperwork on litigation.
Complaint sub-issue: Their investigation did not fix an error on your report

In their response to my complaint # XXXX XXXX XXXX XXXX XXXX stated that they removed my name from account # XXXX on XXXX XXXX 2017 as an additional card holder and notified all four nationwide credit reporting agencies on XXXX XXXX 2017, which includes Equifax to update their information to reflect this new information. However, because my credit report from Equifax did not get updated as of XXXX XXXX 2017, I called Equifax to find out why and they told  me that they have not received any communication from XXXX XXXX XXXX XXXX. I was told that information by 2 different persons at Equifax on the same day. My husband also tried to call the contact person from XXXX XXXX XXXX XXXX mentioned in their response to the complaint. Her name is XXXX XXXX, XXXX XXXX XXXX and her telephone number is XXXX, extension XXXX. She did not respond to messages left at that number. On XXXX XXXX XXXX my husband spoke to a credit card servicing agent at XXXX XXXX XXXX XXXX to discuss the conflict between what they reported in their response to my complaint and what Equifax was reporting to me and they stated they would re-submit to Equifax the updated information and notify my husband when that was done. There has been no response from them as yet.
Complaint sub-issue: Trouble with how payments are being handled

Payments on higher principle loan groups frozen due to forward payment of loans
Complaint sub-issue: Reporting company used your report improperly

This has been going on since XXXX. I had to file bankruptcy and my credit has been hacked multiple times by XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Signed up for a 7 day trial for a fitness program called XXXX XXXX on XX/XX/XXXX around XXXX. I did not get training or coaching like advertised, and i did not get access to the training programs and login credentials until XXXX that same night. On XX/XX/XXXX my card was charged {$150.00} for a subscription to the fitness program around and i requested to cancel around XXXX and be refunded. The company refused and discover refused to favor in my side during the dispute. They chose to side with the merchant and not dispute the {$150.00} i was charged during a trial period that i was charged before the 7 day trial ended. I was 6 minutes late? Or really i should have been able to cancel until XXXX without penalty since i did not get access until then.
Complaint sub-issue: Other problem getting your report or credit score

I have disputed several inaccurate accounts on my credit reports with the XXXX major credit bureaus and I have received no answer.
Complaint sub-issue: Can't close your account

I have tried several times over the phone to close the Upgrade account # XXXX, card # XXXX, but they always tell me the XX/XX/XXXXthat it is closed because actually the above mentioned account stays active.
Complaint sub-issue: Problem getting your free annual credit report

Using XXXX website, all 3 companies refuse to provide their reports online. No reason given. This entire website is set up to allow online access to credit reports. 

Im limited to sending them letters requesting these reports? 
I have to provide photocopy proof of identity and address that is not required on this website? 

Its appears to be a collusion of calculated intents to suppress my access to a free credit report. 

Of course, these companies are more than willing to sell me my credit report on their company websites, and without any photocopied proof of identity.
Complaint sub-issue: Trouble getting information about the card

On XX/XX/2019 went to check my card balance in it was told to me by the automated system that a new card was mailed out to my address on XX/XX/2019 and that i should receive a new card in 2- 3 business days and then it hangs up. I tried to contact a live person but it would nt let me so I called Social Security informed them of the situation in as i was doing so i was look at my online statement were it stated my check had been deposit on to a different card then the one i had on me in that on XX/XX/2019 at XXXX XXXX someone had did a ATM withdraw of {$900.00} call all numbers to direct Express   and they just keep asking me for my socail and transfer me to different people and hang up. This has put me and my family in a crisis situation not being able to pay bills in receiving letter to vacate due to no payment of rent in other utilities, .As a customer i feel that this company has failed to provide me with the services that they promised.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I received a call from Citibank on XX/XX/2021 asking about charges made on my account, I was traveling in Florida for work and did not make the purchases. I had the card in my possession and they closed the card told me to cut it up and they re-issued a new card. I have since been trying to get the charges removed, there are three charges totaling XXXX. I have sent them airline tickets, hotel bills for the week that I was traveling for work. I was with 7 other people who confirmed my attendance in Florida and they still have not removed the charges. They sent me a letter saying it was because someone used the card reader, I have asked for video of the person who used my card when I had it. I am still arguing with them and it is on my credit report. I did not make these charges and it is not even in my area. I need help getting them to remove these charges.
Complaint sub-issue: Frequent or repeated calls

This company has been calling me everyday, twice daily for about 6 months. I have told them to stop calling and have downloaded apps on my phone to block them but they continue to try. They call me once in the morning and once in the evening. The last attempt was around XXXX XXXX. on XX/XX/XXXX. They've called me XX/XX/XXXX, XXXX, XXXX, etc. They call me everyday and have been for 6 months. No voicemail and I have no idea why they are calling. I pay my bills and I don't have anything in collections.
Complaint sub-issue: Their investigation did not fix an error on your report

My complaint is against the credit agencies, Equifax and XXXX. I have attempted on several occasions disputing an account on my credit reports that is reporting inaccurately. According to the Fair credit reporting act any debt collector that is reporting anything on my credit report has to be reporting 100 % accurately. Secondly, XXXX XXXX XXXX failed to provide me with proper verification of the account, per section 611 5a of the FCRA any accounts that can not be verified within 30 days should be deleted. I have also reached out to XXXX XXXX XXXX and they failed to provide me with an accurate validation of the account. I am entitled by law to obtain the following from the collector before I'm obligated to pay them anything. 1. Identity of the original creditor. 2. A complete payment history. 3. Documentation that any collection fees were added pursuant to the original lending agreement. 4. A copy of the original agreement between myself and the original creditor which clearly delineates my acceptance to contract and financial obligation to them. 5. A copy the agreement between you and the original creditor showing you are legally the owner of the debt, have received a proper assignment, and lawfully entitled to collect monies on this account. 6. A verification or copy of any judgment, if applicable. 7. Proof that the Statute of Limitations has not expired on this account. 8. Proof that you are licensed to collect in my state. They are in full violation of the fair debt collection practices act including but not limited to section 807-8 and section 623-b. I have checked with that Arkansas State Board of Collection Agencies and XXXX XXXX XXXX is not licensed to collect debt in Arkansas.
Complaint sub-issue: Information belongs to someone else

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need these to be removed right away! 
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 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: Reporting company used your report improperly

XXXX XXXX XXXX Account number XXXX In accordance with the fair credit reporting act, this creditor has violated my rights Under section 15 U.S.C. 1681 section 602, states I have the right to privacy. 
15 U.S.C. 1582 section 604A state consumer reporting agencies a creditor can not purchase and furnish account information without my instructions 15 USC 1666 B states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1666 B A creditor may not treat a payment on under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Old information reappears or never goes away

I grew tired of doing the same thing over and over again with no definite outcome. I have been submitting countless CFPB complaints and multiple dispute letters requesting to you to remove the fraudulent accounts and information from my Credit File. My Credit Report contains a significant number of fraudulent information and this is what I have been trying to remove. Someone has stolen my identity and used it to open these accounts without my knowledge or permission. I also have been submitting Identity Theft Report with the FTC to help resolve my queries in accordance with the FCRA section 605b. Under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to identity theft. However, you have done nothing and I believe you will still do nothing. In accordance with the FCRA Section 605b, I need you to remove the following accounts completely from my Credit Report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have also been requesting that you send me copies of proof of verification from your investigation and yet I have been receiving nothing! Now I doubt your claims that the disputed items have been investigated. Failure to send me copies of documents to support your claims should have resulted in the immediate deletion of the disputed accounts! Now I need you to remove these accounts completely from my Credit file.
Complaint sub-issue: Personal information incorrect

I have disputed this acount several times for several violations according to FDCPA and FCRA 15 USC 1692e. False or misleading representation. 
I have also asked them several times to provide verification methods and they have ignored me it been over 30 days