Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

Recently, I had 2 Citi credit card accounts closed instantly ( both accounts were in excellent standing ) because of a credit report. An item was posted on my report based on an on-going dispute with another bank. Citi decided based on just XXXX, not all credit reports, to close all my Citi accounts. I have had credit cards with Citi for more than 10 years. Does anyone know if this breaks Fair Credit Reporting Act laws or privacy laws? 

I was not opening another account at Citi and none of the data on the credit report was offered to the bank. 

The circumstances are that I have a dispute with another bank that has been ongoing for a year. Citi then decided to take the charge off record on my credit report that was the other bank 's response to our ongoing dispute and apply that to my banking accounts with Citi. 

This shows that even if a dispute is ongoing and the one bank has nothing to do with the other they will take ONE CREDIT REPORT ( XXXX ) and based their decision about my active accounts at another bank on that. NOT my banking behavior with Citi. My banking actions with Citi are nearly spotless and have been for 10+ years. 

This seems to violate the The Fair Credit Reporting Act ( FCRA ) and may be the jurisdiction of Bureau of Consumer Protection.
Complaint sub-issue: Information belongs to someone else

I had contacted all the collections on my credit score. None of them could provide any proof that they had saying it was my debt. I asked them to remove the debts and they stated they couldnt do so. I called them about 2 months ago and I had been told to reach out to you guys and get the items removed.
Complaint sub-issue: Debt was paid

My son cell phone account with XXXX was under my name. 4 years ago my son left the country for a long trip. I called XXXX and asked them to freeze the account. the person who took care of this matter specifically said that when my son comes back we can call to reinstate the account, 3 months later, after this call I started to get bills from XXXX. since we also moved to another address I got those letters much later, I called XXXX and questioned those bills, they told me that after 3 months the freeze is removed, I explained that this is not what we where told, I decided to close the account. I paid {$200.00} for an early termination and was sure they will remove the charges that was done for no reason, for no use of the line, but they did n't. they send it to a collection company that keeps changing names after I dispute their charges. 
I 'm not willing to pay for someone 's else mistake, and for a service I did n't enjoy. 
The latest company name of the collection company is ENHANCED RECOVERY CO LLC. I would like to resolve this issue once and for all!!! Thanks
Complaint sub-issue: Their investigation did not fix an error on your report

To whom it may concern, Block and remove all information resulting from Identity Theft pursuant to 15 U.S.Code 1681 c-2 under the FCRA which states a consumer reporting agency shall block the reporting of any information in the file of a consumer not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

This is an identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized.
Complaint sub-issue: Reporting company used your report improperly

I just received my reinvestigation back from EQUIFAX. THEY SAID EVERYTHING IS 100 % COMPLETE AND ACCURATE. I WOULD LIKE TO RECEIVE THE DESCRIPTION ACCORDING TO 15 U.S.C 1681i ( 7 ). 

Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is not 100 % accurate. 
XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX all of them They did not modify or delete the inaccurate information on my consumer report according to 15 U.S.C. 1681i ( 5 ) ( A ) ( i ) I attached my credit report.
Complaint sub-issue: Reporting company used your report improperly

Citibank Na., Best Buy listed on my credit bureaus as a hard inquiry. Was not initiated by me
Complaint sub-issue: Unable to open an account

I had previously opened a complaint against PNC Bank regarding incorrect reporting. They said they would look into the matter, but I haven't heard anything back from them in a year. I have repeatedly called and emailed with no response from them.
Complaint sub-issue: Information belongs to someone else

checking my credit report ive noticed incorrect information on my Equifax file. I am interested in disputing all invalid data to correct my report.
Complaint sub-issue: Their investigation did not fix an error on your report

In the past 3 months, I have contacted Equifax in three opportunities ( attached proof ) because they are reporting 2 inaccurate hard inquiries from 2019. The hard inquiries were made by XXXX XXXX XXXX and XXXX XXXX. In every letter that I have sent to Equifax, I have asked for proof that verifies that I authorized those inquiries back in 2019. I also asked specifically for their METHOD OF VERIFICATION, a description of how the investigation was conducted, along with the business name, address and telephone number of the furnisher. 

Equifax in those three opportunities, sent me an AUTOMATIC answer back saying that the inquiries have been " verified ''. The letters are always the same, and none of them have provided any method of verification ( attached proof ).

1- Even though I have asked in every single letter I sent, Equifax has not sent me their method of verification. 

2- Violated my right under the Fair Credit Reporting Section 611 ( a ) ( 6 ) and ( 7 ) by not providing a method of verification. 

My credit worthiness has been highly affected by Equifax.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Applied for mortgage had several listed pull within two months from different companies which showed up as hard inquires. damage my credit score and try to resolve with no success.
Complaint sub-issue: Account status incorrect

I have had ongoing issues with Equifax incorrectly reporting an auto loan account with XXXX XXXX XXXX XXXX XXXX. Initially they reported the account as closed when it was open, and subsequently when the account was paid in full in XX/XX/2020, they continue to report the account as open with a balance of {$6500.00}. They respond to disputes that they have " verified '' their inaccurate information. Complaints to the CFPB have been satisfactorily " resolved '' based on Equifax reporting false information.
Complaint sub-issue: Their investigation did not fix an error on your report

i have call XXXX  and equifax about a collection company call XXXX XXXX XXXX  with account number starting in XXXX this collections should not be in my report this collections was sold by XXXX to them with out my authorization and consent i never consent for the lab work to be done i went to a doctor office they XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX if i was to know the price of it i will have never authorize they never told me the price i was never sent a bill and the collection company never inform me by mail this is ilegal and shouldnt be allow in my credit report in XXXX and equifax plus i never sign any document allowing the collection
Complaint sub-issue: Personal information incorrect

Hello! My name is XXXX XXXX. 
I have sent out numerous disputes trying to remove inaccurate names, addresses, and accounts from my credit profile. 
Below are dates, account ( s ) and account numbers ( s ), this request has been denied and I would like this inaccurate information to be removed. 

XXXX XXXX XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX DP OF EDUC Account Number : XXXX DP OF EDUC Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX   Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Complaint sub-issue: Information is missing that should be on the report

There is a fraudulent account being reported by Equifax regarding XXXX XXXX. Under the data field " Whose account '', My name is not listed as being the owner of this account. Equifax filled in the data field with " individual ''. This does not properly answer the question " Whose account ''.
Complaint sub-issue: Charged too much interest

I tried calling Discover Credit Card services to find out how they calculated my monthly interest rate. I know that it is now calculated based off 2 factors : your daily periodic rate and your average daily balance. I could not find out how they came up with the amount they provided for my average daily balance and called customer service for assistance. They could not provide how they came up with the number and I asked to file a claim. She said she would express my issue with someone higher up, but I still dont know how they came up with the amount and it was never explained. I will be looking further into my other credit card companies as well to see if it possibly exists beyond Discover. I just got off the phone with Discover as soon as I began writing this complaint. I believe millions of customers are being get XXXX XXXX by credit card companies and have been for longer than Id like to think. When they charge you an interest rate, it should be clearly explained on how that number was calculated. And I fee that you use be able to use the same formula, plug the same numbers they used, and get the exact same amount they did. If you cant, somethings wrong ; which could possibly mean they are overcharging interest.
Complaint sub-issue: Public record information inaccurate

I reviewed my credit reports and I show that there are inconsistencies with the way that a discharged chapter XXXX bankruptcy is showing on my 3 reports. I know that they did not get this information from the courts, so I am not sure why it is showing on my reports. I would like to have this information removed from my credit reports as soon as possible. One of my reports-Equifax indicates that I filed a chapter XXXX bankruptcy XX/XX/1830? The other two ( XXXX & XXXX ) have dates that I would like investigated or removed. I'm just very confused, as I know that my state courthouse wouldn't even provide this information to credit reporting agencies anyway. I really appreciate all of your help on this! Thanks, XXXX XXXX
Complaint sub-issue: Problem with rewards from credit card

I never received my {$99.00} companion certificate from my XXXX XXXX CitiBusiness Platinum Select card. 
Opened account and made first charge XX/XX/XXXX. By XX/XX/XXXX spent {$45000.00}. Annual fee of {$99.00} was on My XX/XX/XXXX statement which I paid. 

XX/XX/XXXX go to book flights and can't find companion certificate in my digital or app account with XXXX XXXX or on Citicard account. I called Citi customer service and was told they mailed it in XXXX but would send another. I received a letter from Citi dated XX/XX/XXXX that the companion certificate will be sent under separate correspondence and it will be digitally accessible at XXXX and in the XXXX  XXXX XXXX within 8-12 weeks. Letter said to call XXXX if I need further assistance. 

XX/XX/XXXX I received an email for XXXX XXXX with American Advantage who told be Citi handles the certificates and I need to request it from them. 

XX/XX/XXXX I spoke to XXXX at XXXX. She spoke to account services and they said validated the certificate and I would receive it by letter and email in the month of XXXX. 

XX/XX/XXXX I called XXXX and was told I would receive the companion certificate in 7-10 business days. 

XX/XX/XXXX received a letter from Citi thanking me for contacting our Customer Service Team but the offer I received was for a limited time and the expiration can not be extended. I never asked anything about an extension. I received this letter XX/XX/XXXX. 

XX/XX/XXXX Called XXXX Spoke to XXXX, she said there was a request in the system dated XX/XX/XXXX requesting the certificate.
Complaint sub-issue: Their investigation did not fix an error on your report

LOANCARE LCC morgage lender. lied and put missed payments for about 10 months when loan was in forbearance due to covid 19. loan was paid in full in XXXX XXXX they wrote comments on my report since i filed a complaint a few months ago : they wrote no more than 2 missed payments .... but they did not fix my credit report. it still has red x 's saying missed payments. i need them to write letters to all 3 credit bureas stating that they were not late payments but showing loan was in forbearance. I can't get a loan b/c they messed up my credit. they will not talk to me on the phone i have been on hold for hours and hours within the past 6 mo. My payments were not late. they need to fix my credit report. 

we also made some payments during forbearance about {$3200.00} that was not deducted from the loan and we never saw that money in the payout.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX HAS DONE A WONDERFUL JOB SO FAR IN UPDATING MY CREDIT REPORT EACH MONTH ON MY PAYMENTS BUT RECENTLY I LOOKED AT MY CREDIT REPORT BACK IN XX/XX/XXXX AND I AM STILL MISSING SOME PAYMENTS ON MY ACCOUNT. I CALLED IN AND TALK TO REPRESENTIVE ABOUT IT AND I FELT I WAS GETTING THE RUN AROUND AND THE LAST TIME I DISPUTE ON LINE WITH THE CREDIT BUREAU MY CREDIT REPORT DIDNT GET UPDATE D CORRECTLY. SO I WANT TO MAKE SURE ALL OF MY PAYMENTS THAT I HAVE MADE ARE SEEN ON MY CREDIT REPORT. THE ISSUE I AM HAVING IS WITH MY EQUAFAX CREDIT REPORT. MY XXXX AND MY XXXX XXXX CREDIT REPORTS ARE UPDATED CORRECTLY. I HAVE ENCLOSED A COPY OF MY STUDENT LOAN ACCOUNT THAT SHOWS MY PAYMENT HISTORY AND MY CREDIT REPORT. THE DATES THAT ARE IN QUESTION ARE AS FOLLOW IN XX/XX/XXXX AND XX/XX/XXXX.  I MADE A PAYMENT FOR THOSE MONTHS AND ON MY CREDIT REPORT IT SHOWS A NR FOR NO REPORTING OR NO PAYMENT. THAT INCORRECT, THAT NEEDS TO BE UPDATED CORRECTLY AS SHOWING PAID AS AGREE FOR THOSE MONTHS .SECOND MY CREDIT REPORT ON THE MONTHS ON MY EARLIER DISPUTE WAS NEVER UPDATED ON MY EQUAFAX CREDIT REPORT. I AWHILE AGO I WAS WONDERING WHY WOULD THERE BE SHOWING A NR FOR NO REPORTING ON MY EQUAFAX CREDIT REPORT BUT THOSE MONTH I HAVE MADE A PAYMENT. I MADE A PAYMENT ON THE MONTH IN QUESTION XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX WHICH SHOWS A NR ON MY CREDIT REPORT ON MY  PAYMENT HISTORY WHICH NEEDS TO BE UPDATED SHOWING PAYED AS AGREED, SO I AM MISSING 8 MONTHS OF PAYMENTS ON THIS ACCOUNT ON MY PAYMENT HISTORY. SECOND ON THE ACCOUNT XXXX XXXX XXXX I WAS LATE ON XX/XX/XXXX WHEN WOULD THIS COME OFF MY CREDIT REPORT TO PUSH THIS ACCOUNT INTO POSITIVE ONE ON MY CREDIT REPORT.
Complaint sub-issue: Other problem

I was ordering a TV and was presented with a special offer for a Best Buy Visa through Citi. I proceeded with the application and was approved and completed the order. Shortly after I received notice that the new card was declined. I called Best Buy and they referred me to Citi. I called Citi and they asked for my phone number, which I provided. I was then transferred to the fraud department. The agent told me that my phone number didnt match their records so they couldnt open the account. I explained that Ive had this phone number for 8 years and have not had the other number since that time. She said she would do a public record search and came back and told me she couldnt find the number. I asked if we could verify my identity using other personal details and I was told no - they can only verify using my phone number on public records. 

First Im very concerned that Citi is claiming to only be able to verify my identify by using a phone number, which can easily change, offering no alternative for verification. 

Second Im concerned that they are using a public number that anyone with a phone book or XXXX can find. Its not secure. 

Third, this practice is deceptive in that, because of Citis negligence and poor business practices, I have missed out on the promotional pricing of the item I wanted and also missed out on the promotional finance terms offered when the card was approved and the purchase was completed.
Complaint sub-issue: Their investigation did not fix an error on your report

I applied for 3 month extension for covid-19 - never knew it was never processed until I got a past due notice in XXXX - Which I paid immediately and when I called XXXX XXXX they said it was never processed completely. XXXX XXXX reported me 3 months past due!!!! 

I've disputed with the credit bureaus and XXXX XXXX and the representative said there wasn't a program in place in XXXX but I was denied for the " program '' in XXXX - so if there's no " program '' what did I sign up for? 

I've called several times to escalate my call to a supervisor and continue to get the run around. 
In my opinion this is a common sense error that could have been rectified with a simple common sense approach - spoke to XXXX executive office said she has to review account could take another 15 days ... 
COVID19 HAS TAKEN EVEN COMMON SENSE FROM PEOPLE!!!
Complaint sub-issue: Card was charged for something you did not purchase with the card

I was alerted in XXXX by Best Buy XXXX XXXXXXXX XXXX that there was possible fraud on my account. I immediately called and verified that the XXXX transactions performed on XX/XX/XXXX were not made by me and that I was in possession of my card. The agent immediately closed my card and issued a new one. On XX/XX/XXXX the XXXX charges were reversed. A few weeks later I received and activated my new card. The next communication was that I had received a letter dated XX/XX/XXXX that they were still investigating. There was no further communication until I checked my most recent statement on XX/XX/XXXX. All XXXX charges were added back to my account. I called the number on the XX/XX/XXXX letter and the agent I spoke to said the charges were determined to be mine based on the charge back information I received. She walked me through a series of questions and told me that she would escalate the issue to be looked at again and to disregard the package that was recently mailed to me with the details. I am to expect the charges to be credited to my account in XXXX - XXXX business days. 
Here are my concerns : XXXX ) this was fraud so why did they add back the charges? XXXX ) I received the package today with XXXX pages. It has the name address and phone number of the XXXX people that used my card along with much more detail. Even though it's a fraud situation I would believe this might also be a privacy issue for an information breach. 
Please feel free to contact me if you need to.
Complaint sub-issue: Reporting company used your report improperly

Equifax Inc. reported that their systems were hit with a cyberattack and that the attack may have affected nearly 143 million people. Due to this, my information may have been compromised. I am afraid that my information can be used to either open up fake accounts under my name or identity theft. In light of this information, I have set a fraud alert on my accounts.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been a victim of identity theft. Someone is using my personal information attempting to open several different accounts. I spoke with a representative and they instructed me to send in this identity theft report.
Complaint sub-issue: Their investigation did not fix an error on your report

This account is reporting inaccurately. This is a violation of the Fair Credit Reporting Act.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/XXXX I called Equifax because I noticed unauthorized inquiries on my report. I gave the rep a list of all of the inquiries that I had no recollection of applying for credit. I also informed the representative of the Fair Credit Reporting Act that requires all unverified and unauthorized items must be removed from my report. The rep told me that there was nothing he could do and that inquiries would be on my report for 2 years. 

XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX and XX/XX/XXXX XXXXXXXX XXXX  XXXX. 
Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY IN ONE CREDIT, CONDUCT AN  INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity Theft. I did not Authorize these Accounts
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act the following XXXX Accounts have violated my rights. 

1. XXXX XXXX, Account XXXX 2. XXXX XXXX XXXX  Account XXXX 3. XXXX XXXX XXXX  Account XXXX 4. XXXX XXXX XXXX XXXX, Account XXXX 5. XXXX, XXXX, Account XXXX 6. XXXX XXXX XXXX Account XXXX 7. XXXX XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Other problem getting your report or credit score

My husband died in 2016 and since then Equifax is reporting me as deceased. I have attempted several times over the years to dispute this they investigate but never change the fact that my credit report has a score of XXXX. I need to buy a house and this is preventing me from doing so. I need this fixed. I have submitted copies of birth certificate, drivers license, social security card, documents with present date showing my address. I dont know what else to do. Please help!
Complaint sub-issue: Debt is not yours

I was seen at this dental agency in XXXX of 2016. I went in for a routine cleaning and the dentist reviewed my x-rays and said I would need a crown, so an appointment was set for a week later, XXXX 2016. I had dental insurance and was pre-approved for full coverage for the procedure. When I arrived the head dentist said he was not comfortable completing the procedure because I had a high risk XXXX and was was XXXX months pregnant at the time. Thus I NEVER HAD THE PROCEDURE they keep trying to have me pay for. I did not know the debt was owed until I was contacted by PDQ collections. I then called the dentist and they shared the dentist was no longer there and could not confirm and the debt had already been sold to a collection company so was out of their hand.