Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

In XXXX XXXX sued me for an outstanding credit card balance of {$2500.00}. XXXX that had went to collection. Through my attorney and XXXX 's attorney a settlement was made for me to settle the account by making monthly payments of {$96.00} until the settled amount of {$1300.00} was paid. I paid {$50.00} every XXXX weeks until I made my final payment in XXXX of XXXX. I reviewed my XXXX of XXXX and noticed that the account had not been updated to reflect the current status. In fact the agreed upon settled amount was showing as the balance owed. The error is causing my credit utilization to be miscalculated. I disputed the account with the credit reporting agencies on XX/XX/XXXX. The dispute came back verified. I attempted another dispute in XX/XX/XXXX and again the dispute came back verified. Since this account was involved a legal case I believe that if XXXX and Equifax had done their due diligence in investigating my disputes. They should have received proper status from XXXX bank. As of today XX/XX/XXXX The account status remains incorrect.
Complaint sub-issue: Information belongs to someone else

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXXXXXX XXXX  XXXX
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 


XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX XXXX, XXXX. 
Account XXXX : xxxxx XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

First of all, I've now opened up over 3 CFPB complaints against XXXX. The CFPB really needs to take action because XXXX, being the WORST of the three credit bureaus, has messed up significantly for years. They didn't even answer one of my CFPB complaints nor have their associates remove private information from their emails ( copies of my passport, military ID, SSN card, drivers license, police/ FTC reports, etc. ). They've dragged their feet repeatedly and failed to respond to my requests appropriately ( and actually lied in writing to me and the CFPB ) and have done nothing. Why isn't the CFPB taking action against them? They removed inaccurate items from my credit report finally this week, but have also removed ACCURATE items from my credit report. One of which being my Discover credit card that was issued in XXXX. XXXX has reported it since XXXX and my score is almost at XXXX with them. It's at a sub-par XXXX or so at XXXX because they took off this Discover credit card that has been repeatedly asked to be added back on for almost 4 years now by both XXXX and Discover. Yet they failed to do so. They also removed my XXXX card I had since XXXX that was closed in XX/XX/XXXX in which I was an authorized user and significantly boosted my credit. They had no right to do this. 

Also, XXXX removed the Discover card as well ( but everything else on the report looks accurate ) so my credit score is XXXX or so with them as well when it should be almost XXXX had there been proper reporting. Asking XXXX, XXXX, and Discover to add card back appropriately as it is showing on my XXXX account. Attaching screenshot for reference.
Complaint sub-issue: Funds not handled or disbursed as instructed

On XX/XX/2018 in response to an internet offer that promised a {$400.00} bonus, I opened Citibank checking and savings accounts and subsequently deposit {$15000.00} dollars. To maintain this amount for 60 days was the requirement for the {$400.00} bonus. After the 60 day period I contacted Citibank a number of times regarding the unpaid bonus. Their offshore call centers make contacting them difficult, but I persisted and on each occasion their customer service agent imediately asked for " an offer code ''. I responded to the offer directly through a weblink and have no knowledge of any such requirement. Subsequently I investigated and their bonus offer saw still widely circulated without any " offer code '' whatsoever. This is nothing more that a ploy from Citibank to increase their deposits without paying the depositors any interest or bonus. I ask you, or any reasonable person : would you deposit {$15000.00} in a bank account offering .04 % or less when you can easily find banks currently paying 2.0 % and higher. Citibank must be enjoined from cheating consumers through this most obvious fraud. Please feel free to contact me for any documentation required in prosecuting this illegal banking activity. I have considerable evidence to establish the fact that they are cheating their depositors. I have provided two pertinent screenshots of the offer I responded to and Citibank 's acceptance.
Complaint sub-issue: Collected or attempted to collect exempt funds

I had financial hardship, and contacted XXXX XXXX XXXX last XXXX, 2019. They said they have reached out to all my creditors to make arrangements to pay each one. 
Citibank has refused to work with XXXX XXXX XXXX. Recently, I have been receiving letter after letter, from local lawyers, that claim I have a summons to appear in court. I have checked, but there is no court case recorded. I have not received any summons, but several of these lawyers have a fake copy of a summons with my name, address, and credit card company. The lawyer letters have said this lawsuit could lead to a lien on my property, take over of my bank account, garnishment of my wages, etc. I in good faith have tried to reach out to my creditors. They have caused me additional stress to add to the difficulties I am now facing in my life. Citibank, and their XXXX XXXX XXXX, have publicly shamed me, and inundated me with countless lawyers contacting me daily. 

Citibank NA turned my Best Buy debt over my to XXXX XXXX XXXX for {$1600.00}, which I half of what I owed, with late fees, and interest charges doubling the requested amt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2018, XXXX  XXXX made a hard inquiry on my Equifax credit report that I did not authorize. 

I made a dispute and on the XX/XX/XXXX they said it was legit but if I had a problem with it that I had to call XXXX XXXX. 

I called XXXX  XXXX and they said they couldn't help me because I did not have a XXXX Social Insurance number. They said I had to call XXXX XXXX. XXXX XXXX said they couldn't tell what the problem was and that I have to go through this portal.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The following inquiries are unknown to me and I do not recognize them or authorize them. I was a victim of identity theft and I do think this was all done while that was going on. 

Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX : : Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX XXXX : : Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX   Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX : : Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX ( XXXX ) Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX
Complaint sub-issue: Funds not received from closed account

I own a joint savings account with my teenage sister with the intended reason of giving the funds to her once she went to college. However, we relocated from California to  XXXX, in which, to our dismay, we discovered there are no Citibanks. Since moving, I have tried contacting Citibank multiple times in order to have my account closed and the funds sent to my new address. Because there are no Citibanks in California, I have had to do all of this via mail, based on the information I have obtained from them over the phone. 
This issue with Citibank has been ocurring since approximately XX/XX/2019. We had not used the account for some time, therefore, the first step they had me do was reactivate the account, which I did. After that, I followed up with them and the account had in fact been reactivated. Then, they had me send a letter to Citibank in order to close my account, which I did. I was sent a letter back saying they required of me the account number, which I did not have on hand. However, based on my phone call prior to send that original letter, the employee over the phone told me it would suffice if I sent them the social security numbers of the owners of the account, which I did. I was perplexed when I received the letter from Citibank stating that they could not close the account. 
I called Citibank again, this time the first employee told me I had to have the letter notarized, something they had not told me before. I was so profoundly upset, I then asked to speak to the supervisor, who then told me that this information was not true and I did not need to ahve the letter notarized. Luckily, during this time period I was able to locate a statement I had amongst my papers. I was so grateful at this moment. I went ahead and wrote another letter including the account number, and also had the letter notarized. I received another letter saying that the account had been closed! I never did receive a check. It is important to note that I did have my address changed with them as well, so I was expecting to receive a check in the mail. To this day, I have not received the {$490.00}. It may not seem like much, but they are funds we have worked for to put aside for my XXXX-year-old sister and I expect them to be returned to us, as it is our money. I have made phone calls and sent letters but I have not been helped as expected. The information I have received has been inconsistent, making me provide personal information only to not have been my request resolved. I understand that my information needs to be verified, which I have done. I ask that you please help us with this matter. Thank you.
Complaint sub-issue: Their investigation did not fix an error on your report

This is a loan that has been charged off since 2014. I have not made a payment since 2014, and this account has reported as closed/charged for a long time. Lately XXXX has been reporting it as open, with a late payment report as well. This brought my credit from XXXX to XXXX. I have not called them, or made any agreements to pay off my outstanding debt, and I never will. I need to rebuild my life, and my credit. I am a single father, and I raise my child on my own. I ca n't buy a house for a long time because of this. Or even a new Car.
Complaint sub-issue: Not given enough info to verify debt

Filed previous complaint ( # XXXX ) on this entity and asked that they provide information on that debt, creditor and verify it. They indicated that the item would be removed while they investigated it. It never was removed, they submitted a spreadsheet as verification of the debt and no contract or other recognizable documents to verify its authenticity. They continue to report the item as valid, and have altered their name to report it yet again, as XXXX separate listings. Looking at the information they provided shows that the item originated in XX/XX/XXXX, not in XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX as they have reported. This information is being falsely represented as current and accurate but given that it originated in XX/XX/XXXX it is well beyond its reporting period and should not be showing up as a current item.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX 2017 My credit history was involved in the recent Equifax Security Breach. The potential impact of identity theft and duration of impact is unknown at this time. Services which we do not have a choice of being involved with should be held to high security standards.
The company waited over a month before informing consumers, and their " help '' website is not secure either.
Complaint sub-issue: Confusing or misleading advertising about the credit card

I received emails Sallie Mae to make a credit card and pay off the student loan. 
However, When I talked with Sallie Mae-payment, I can not use credit card for the payment. 

It is a misleading information to make a credit card.
Complaint sub-issue: Was not notified of investigation status or results

I have been disputing with the bureaus since XX/XX/2020, two accounts that I believe to be inaccurate. I included my reasoning in the dispute letters as well as all of my identification documents that the bureaus require. I never received any notices or anything that these accounts were being investigated. Because this went on for over a month, I sent another letter to the bureaus on XX/XX/2020. I still haven't received anything through the mail, email, nothing! Not even acknowledgment that my disputes were received, let alone being investigated!
Complaint sub-issue: Was not notified of investigation status or results

On, XX/XX/2019 at XXXX EST, I placed a call to MONEYLION using the number ( XXXX ) XXXX and due to the extended hold times accepted the option for a callback. The call-back came in at XXXX EST, on XX/XX/2019 from ( XXXX ) XXXX, and I spoke to representative named # XXXX. I informed the representative that I had previously attempted to call the company, in order to update my banking information, as I was a victim of Identity theft/fraud, but after holding on the line for well over 45 minutes, I was unable to reach anyone. I then immediately inquired about the account and was told the account was past due, which I was not aware of. 
I inquired about the previous payments and the full payoff amount for the account and was given several different pay-off amounts for the loan. Respectfully, I felt extremely uneasy about the information provided by this representative and requested to speak to a manager. I was told a request would be submitted and to expect a return call within 24-48 hours. I never received a return call from a manager and decided to send a certified debt validation letter ( enclosed in the attachments ) on XX/XX/2019, as the company had reported late payment information to XXXXXXXX XXXX XXXX 
As of today, XX/XX/2019, I have not received any correspondence from MONEYLION. On XX/XX/2019, I made payment for the remaining balance on this account. ( enclosed in the attachments ) However, I was alerted that MONEYLION reported additional unverified negative, late payment information to the credit reporting agencies listed above, further damaging my credit report. MONEYLION is in violation of federal and state crediting reporting laws, i.e. FCRA Section 623 and in addition, has what appears to be intentionally and willfully, defamed my character. Under law these actions may constitute fraud.
Complaint sub-issue: Debt was result of identity theft

Original creditor is XXXX XXXX XXXXXXXX XXXX. Opened on XX/XX/2019. In collections with XXXX XXXX XXXX. The amount is {$1200.00}. I have been the victim of identity thief. I have received alerts of my information being on the dark web. Fraudulent accounts have continued to be opened in my name using my information. I attempted to gain more information about this fraudulent account through XXXX. No additional information could be provided. I disputed this collection with XXXX. I have locked my credit to prevent more fraudulent accounts from being opened using my personal information. I did not open this account, nor did I authorize its use.
Complaint sub-issue: Information belongs to someone else

I noticed an account and a few inquiries on my report I do not recognize
Complaint sub-issue: Attempted to collect wrong amount

I have disputed this bill from the beginning, This account is over 3 years old. I have asked for them to verify the charges and explain to me what exactly they are collecting. I had XXXX for about 4 months before I moved. They were unable to service my new address and I had to cancel service. I returned the equipment and paid the last bill. I started getting collection calls and asked for an explanation in which I still have not gotten. I spoke to a rep from this office today and she told me that the equipment was to old and held no value and the charges have been past on to me. I explained to her that I only had possession of the equipment for 4-5 months. The rep then told me she's not sure what the charges are. This was originally placed with XXXX XXXX collections and then XXXX and they both returned it to XXXX and XXXX and now Enhanced Recovery has ruined my credit by reporting this debit as NEW on my credit report. This is fraudulent information. This debt was reported to my credit report BEFORE I received anything from them.
Complaint sub-issue: Information belongs to someone else

The debt from the Afni debt collector is not mine. I have called on 2 separate occasions to resolve this and make them aware and both times the issue was not resolved. The 1st time I called and told them this amounts of {$1200.00} and {$340.00} were not my debt and must be fraud they said " unless I have a police report there was nothing they could do ''. The second time I called they told me they would remove both amounts from my credit report. It has been over 30 days and both amounts are on my report still.
Complaint sub-issue: Reporting company used your report improperly

There has been news that the responses are randomly generated, and the report they gave me makes me unsure whether it 's accurate, or, as inaccurate as the news say.
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

Since XXXX of XXXX, I have been receiving calls from a company in Georgia. Finally on XX/XX/XXXX, a voicemail was left by someone identifying themselves as XXXX XXXX from XXXX XXXX XXXX and asking me to contact them at the number provided. I did not know if this was a scam or not, but I returned the call and the company was closed. I received phone calls again from agents at XXXX XXXX XXXX XX/XX/XXXX and XXXX from a XXXX XXXX XXXX XXXX only asking me to contact them. I again tried calling back, but the company was closed. There is a 3 hour time difference and they frequently call in the afternoon! I spoke with an attorney who told me that if I do have a debt, the debt collector must provide the collection in writing and identify themselves and the fact that they are attempting to collect a debt in ANY form of communication they attempt with me, including voicemail. I never received a letter and the voicemails never identified that this company was trying to collect a debt. However, this company reported a debt that I had previously contested with a different debt collections agency ( who then dismissed the debt as inaccurate ) to all 3 credit bureaus! I was never given the written notice of debt and I was never given the chance to contest the debt! I have tried calling the agency twice, and have been treated with such disrespect that I finally hung up and decided to file this complaint because the agents dont bother to listen to what Im telling them, or they call me a liar. I have received a couple calls since then from the company, but no message was left either time! The representatives I spoke with were extremely rude and unprofessional and this company needs to follow the law by going through the appropriate motions of debt collection, starting with proper notification!
Complaint sub-issue: Didn't receive enough information to verify debt

I had cancelled my XXXX service. I was told my XXXX that I had 90 days to pay remainder of the bill. Two weeks later it was forwarded to Afni collection agency. They have been harassing me with phone calls. I've never received anything in the mail pertaining to the debt and when they called, I had no idea that I could dispute the amount with them. In fact, I was told that I couldn't dispute. I received a phone call today and the man I spoke to was very rude and called me an XXXX for not knowing I could dispute the debt and he then told me I was lying about not receiving any letters.
Complaint sub-issue: Not disclosed as an attempt to collect

Received a call from XXXX. When I answered there was no one on the phone and after several seconds the caller hung up. When I called back a man answered and did not say the name of the company or that he had called me in an attempt to collect a debt. He told me he was calling about a payday loan I had taken out with XXXX XXXX Loans in XX/XX/XXXX. He said he wanted to know what I was going to do about it. He never told me the name of the company that he was calling from but told me that he has tried to contact me several times which is false. I have had the same phone number for over 10 years. I told him that it is now XX/XX/XXXX and in the state of Arizona payday loans are illegal and he should not be contacting me regarding a debt over 7 years old. Once I said the word illegal he seemed flustered and said that he had to terminate the call. Then he hung up. In the past I have taken out payday loans but I do not remember taking one with XXXX and I do not recall how much the loan was for. The man I spoke with said my account number ended in XXXX digits and when he said the XXXX digits they were the last XXXX of my ssn. Now I am worried that I may have a identity theft issue
Complaint sub-issue: Information belongs to someone else

I am unable to determine what the charge is for. I need more information regarding the account but Equifax and XXXX did not respond.. I request that you send me the name of the creditor to whom the debt is owed, the contract bearing my signature and all other important documents that my prove that I owe this company. If you can not provide it, delete the accounts XXXX XXXX, XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I check my Equifax Credit Report and I have a split/duplicated credit profile and one is XXXX XXXX XXXX and two is XXXX XXXX and they need to be merge together and Equifax refused to do so and it damaged my credit score and it went down to XXXX points and I ask Equifax several times to merge my credit profile together and they wont do it and it need to be merge