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

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX XXXX ACCNT # XXXXXXXX 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 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Complaint sub-issue: Information is missing that should be on the report

I opened a XXXX account in XXXX thats is still NOT being reported on my XXXX and Equifax Profiles. I have made multiple phone calls and mailed certified letters as well. Please help me get this information updated.
Complaint sub-issue: Their investigation did not fix an error on your report

I recently requested a copy of my credit report and noticed that XXXX XXXX XXXX ( ERC ) is reporting a alleged closed account ( closed by them ) on my credit reports. The alleged account in question is a XXXX Account from 2015 which is past the Statue of Limitations ( SOL ) in the state of Missouri. XXXX XXXX XXXX ( ERC ) continues to harass me regarding this alleged account that again is pass the ( SOL ). This alone has put them in direct violation of the Fair Credit Reporting Act ( FCRA ).
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Hello, To whom it may concern The companies XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, AND EQUIFAX are refusing to remove the following inaccuracies from my credit report after disputing the matter since XX/XX/2021. The following accounts needs to be deleted and removed immediately, CHAPTER XXXX BANKRUPTCY, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  : LATE PAYMENT. As I was never late on the XXXX XXXX account, and the other following accounts were not verified, nor accurate. The following companies are also reporting incorrect amounts owed and dates. The companies are giving me a hard time disputing the information. Threatening to keep the debt, and or public record on my credit report for 10 years. Advising me to stop calling, and disputing the inaccuracies, due to the choice theyll never delete it. XXXX and XXXX is also giving me a hard time when disputing the bankruptcy public record and deleting the derogatory record. When Ive already provided multiple documentation stating the following accounts are not verified nor accurate. Its unfair for the XXXX credit bureaus XXXX, EQUIFAX, and XXXX to report different account information, and different balances when a consumer is not responsible of the inaccuracies.
Complaint sub-issue: Was not notified of investigation status or results

Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and the credit reporting agencies havent notated is as disputed. They cause me to loose out on offers due to reporting negative inaccurate items and not notating it was disputed.

I sent them multiple of letters concerning my credit reports.

As a consumer it is my right for them to follow FCRA laws.
Complaint sub-issue: Account opened as a result of fraud

IN XX/XX/2019, I WAS TOD I OPENED AN ACCT AT XXXX. I DID NOT. I CALLED THEM AND THEY CLOSED IT. I THOUGHT IT WAS OVER. THEN I GOT NOTICE IN XXXX THAT I OPENED AN ACCOUNT AT XXXX. I VERIFIED THESE BANKS HAVE MY SOCIAL AND DOB WHEN I CALLED. I CLOSED XXXX. IN XXXX, I RECEIVED NOTICE I OPENED 3 ACCTS AT PNC. ON XX/XX/XXXX, I RECEIVED NOTICE I WAS DECLINED OPENING AN ACCT AT XXXX XXXX. 
I HAVE PLACED A FREEZE ON ALL CREDIT BUREAUS IN XXXX ( MAYBE EARLIER IN XXXX ) I ALSO CLOSED XXXX  SO MY ACCT HAS FLAGS, PNC WENT AHEAD AND OPENED THE ACCTS. THEY WILL NOT TELL ME ANYTHING ABOUT THEM DUE TO FRAUD. I REPORTED THE FRAUD!! 
I WENT TO MY CITY POLICE, THEY REFERRED ME TO MY COUNTY POLICE. THE COUNTY POLICE SAID THERE WAS NOTHING THEY CAN DO. 
SOMEONE HAS MY INFORMATION AND IS TRYING TO COMMIT FRAUD. I WANT MY INFORMATION CHANGED. I CAN NOT CONTINUE GETTING THESE NOTICES AND ATTEMPTS TO TAKE SOMETHING FROM ME. PNC ALLOWED THE ACCTS TO GO THROUGH AFTER I MADE IT IMPOSSIBLE. THIS IS GETTING RIDICULOUS! PLEASE HELP ME. 
THANK YOU AND SORRY I TYPED THIS IN CAPITAL LETTERS, XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXXXXXX XXXX XXXX date XX/XX/XXXX business type automotive dealer inquiry not made by me XXXX XXXX XXXXXXXX XXXX inquiry date XX/XX/XXXX this is type automotive dealer inquiring not made by me I've tried to have it removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  car sales inquiry date XX/XX/XXXX inquiry not made by me XXXX XXXX inquiry date XX/XX/XXXX inquiry not made by me XXXX XXXX inquiry date XX/XX/XXXX slash XXXX inquiry not made by me XXXX XXXX XX/XX/XXXX inquiry not paying by me
Complaint sub-issue: Reporting company used your report improperly

equifax hacked and I learned my information was compromised
Complaint sub-issue: Funds not received from closed account

Citi Locked my account XX/XX/XXXX for claiming I mailed them a fraudulent check and would not allow me to close my account or receive my money. I spoke to over 10 representatives between phone calls, in person ( XXXX XXXX Branch ), and in chat - none of who knew the issue or could/would help. Though nobody knew anything, I was regularly given the date " XXXX '' to call back and my account could be closed. I called back XXXX, and was told to call back XXXX. I called back XXXX, and was told I had to go to a branch. I went to a branch, and the Representative - XXXX - said that was very odd and assisted in re-verifying my info and would follow up that afternoon. He did not, and I filed a complaint with the CFPB. It wasn't until several days later he insisted on calling instead of email to tell me my account was being closed that day and I'd have a check next week. 

In this time, I received an official letter from Citi in response to my CFPB claim stating if no action was taken, my account would be automatically reviewed and closed on XX/XX/XXXX. 

My account was never closed, and that check never came. 

Before I left the country, I called Citi one more time and also emailed XXXX to help close my account while I was travelling, hoping I would have my own money back. I returned, and none of this had happened, and nobody would assist me in doing it. It is now XXXX, and Citi has constantly lied to me on my closing dates and is holding my money hostage - completely unwilling to do anything to make it right. I have never even heard of worse customer service in my life, and nor has anyone I told.

I'm now forced to carry large balances on my credit cards because nearly all the money I tried to open my checking account with was used for my living expenses such as rent, food, and electricity. This has caused me an immense amount of stress and costs since I have no cash to pay my bills. Citi has lied to me on numerous occasions - one in writing - that they would refund my money, and their reps constantly pass me around their call center or don't understand the issue.
Complaint sub-issue: Their investigation did not fix an error on your report

Based on new regulations for medical bills under {$500.00}, I have one company in particular which even after dispute credit reporting still continues on several medical bills below {$500.00}. The credit XXXX XXXX XXXX, XXXX XXXX and XXXX are not removing them. 

Plusfour inc. Is the company that Ive seen that has not removed the credit reporting for medical bills under {$500.00}
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I was using Cash App and buying something off there, I sent the money and I never got the items I purchased. Cash App told me theres nothing they can do but I was scammed so they can totally do something.
Complaint sub-issue: Other problem getting your report or credit score

i have monitoring my credit files and notice that Equifax credit bureau have a problem with my consumer files, when i request information or summit disputes on my Equifax i notice that there is a problem and makes me call equifax that has a error code NH and when i log in in my Equifax does not show any information, no credit cards no credit history, no collections, no payment history also notice that my credit score last update was on XX/XX/XXXX i had few items deleted but not posted on my records also investigating this information found the credit karma is not receiving updates from Equifax XXXX XXXX last update was summit XX/XX/XXXX and there is no accurate information since this items were deleted from all 3 credit bureaus, i notice that credit karma have not removed this information, i have called Equifax on dates XXXX XX/XX/XXXX with case numbers # XXXX -case number XXXX problems with internal server and also i have requested Equifax to provided with a full report to identify changes on my credit, i have apply for 2 credit lines one of them was home depot and they were not able to look my Equifax credit score and report i was decline for credit and since creditors are not able to look my full complete files but there were able to look all the informations before XX/XX/XXXX ( LAST UPDATE FROM EQUIFAX ) this problem have cost me the ability to obtain credit, if this problem does not get resolve I'm force to take any legal action obtain monetary relief, the Fair Credit Reporting Act ( FCRA ) and FEDERAL TRADE COMISSION ( FTC ) does not allow the inaccurate reporting of information on my credit report, i will summit documentation to show the errors and missing information on my credit file as a consumer, i can't get no credit lines for this problem and is very frustrating that equifax does not know correct this properly.
Complaint sub-issue: Information belongs to someone else

They are reporting a collection account on my credit in the amount of {$41.00} with XXXX XXXX. I have disputed this debt several times with the credit bureau. However, they are still reporting this inaccurate information The other credit bureaus have updated my report and are no longer reporting this debt.
Complaint sub-issue: Didn't receive notice of right to dispute

During a medicial visit in XX/XX/XXXX an incorrect address was entered into my patient information. Several months later in XX/XX/XXXX after learning that there was an issue with my payment I contacted the medical office inquiring about my bill. After learning that my bill was 60 days past due but I had not received any statements I notified them of the correct address and requested an invoice be sent immediately. I was informed that the account status would be placed on hold and a management representative would contact me. In XX/XX/XXXX I contacted the medical office again informing them that no contact was made from their office via mail or phone call. I was informed that the debt had been sent to a collector and transferred to this collector. I again varified my correct address with the collector and requested a notice of debt in order to dispute. The notice of debt was never sent and no attempts at contact were made from this collector via phone call or mail. In XX/XX/XXXX after attempting to dispute the debt on my credit report I received a letter from the collector stating that my debt would not be removed and was found to be valid since I forfitted my right to dispute. I contacted the collector and informed them that I had requested a notice of debt one year prior and provided a correct address and was never sent a notice. The representative verified the documented phone call and acknowledged my request and also acknwledged their failure to provide notice.
Complaint sub-issue: Account status incorrect

Please update my credit balance in credit report which I paid in full XXXX/XXXX XXXX account number XXXX ballance {$0.00} Date opened XX/XX/2016
Complaint sub-issue: Their investigation did not fix an error on your report

I opened a dispute XXXX asking CFPB to remove two accounts which are XXXX XXXX XXXX XXXX XXXX. I also asked that the XXXX XXXX be updated to paid as agreed since it shows inaccurately reported late payment on three separate months. 

Today when I called XXXX I was alerted the account was permanently closed due to fraud being reported on account. PLEASE FIX MY ACCOUNT! I had account for 1 year, 4 months with one discrepancy I was asking to be fixed not for the account to be closed. This is disheartening because I value my accounts and this decision was completely adverse to my intentions on getting assistance with this account.
Complaint sub-issue: Didn't receive advertised or promotional terms

On XX/XX/2018, I applied for a Citi Thankyou Premier Card because I got an invitation saying I could get XXXX bonus points if I spent {$4000.00} within 90 days. I got approved and I spent {$4000.00} within the 90-day period. But till now I still do not see the bonus points. So I called and the agent told me I did not qualify because I closed a different account more than 18 months ago. I was never notified of this thing when I applied this situation, and I felt cheated into applying for this card for nothing.
Complaint sub-issue: Information belongs to someone else

I have never entered into a contract with this company. I have not given them permission to report my personal information to the credit bureau.
Complaint sub-issue: Reporting company used your report improperly

My equifax credit score is not accurate and equifax has violated my consumer rights. Title 15, ch. 41 and ch. 94 sub chapter 1 & 2. 
15 USC 1681a3 and 1681a4 Equifax did not exercise their grave responsibility. You were unfair, you were partial. Equifax did not respect my right to privacy. 
I never instructed Equifax to furnish this report. Nor did I give Equifax consent or to create this report in the first place. Equifax never had permissible purpose from me.
Complaint sub-issue: Information belongs to someone else

Hello im complaining to the public record who illegally entered and shared information without my permission to the credit bureaus. Lexus nexus and XXXX have a partnership. I request to have this attested. My personal information should not be shared. I request it be removed from my report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have noticed these 5 unauthorized inquiries on my report and according to the FCRA these unauthorized items must be removed immediately. For, I am the original creditor and I did not give permission to any of these companies listed below : XX/XX/2020, XXXX XXXX XX/XX/2020, XXXX XXXX XX/XX/2020, CREDIT PLUS XX/XX/2020, XXXX XXXX XX/XX/2020, XXXX
Complaint sub-issue: Information belongs to someone else

NEVER LIVED AT ANY ADDRESS OR HAD THESE NUMBERS THEY WONT REMOVE THEM ( XXXX ) XXXX Cellular ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  CA XXXX Under dispute Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Under dispute Resident type Multifamily XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX Under dispute Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, CA XXXX Under dispute Resident type Single family XXXX XXXX XXXX XXXXXXXX, CA XXXX Under dispute Resident type Single family XXXX XXXX XXXX XXXX XXXX CA XXXX Under dispute Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Under dispute Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Under dispute Resident type Multifamily XXXX XXXX XXXX XXXX, CA XXXX Under dispute Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Under dispute Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Resident type Single family XXXX XXXX XXXX XXXXXXXX XXXX  CA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX CA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Single family Date of birth
Complaint sub-issue: Credit inquiries on your report that you don't recognize

CRA continues to report inaccurate accounts on my credit report.
Complaint sub-issue: Deposits and withdrawals

I was recognized " a permanent lifetime pension '' since XX/XX/XXXX,  according to the communication received from XXXX XXXX, XXXX. from the XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  dated XX/XX/XXXX. I received my pension regularly until XX/XX/XXXX deposited in my account from the Citibank by XXXX XXXX XXXX XXXX 
However, the Citibank announced in the report of this operation : " Dear Citibank customer, please be advised that the mailing address for this deposit has been changed. Please instruct the sender to mail future deposits to : XX/XX/XXXX- XXXX XXXX XXXX XXXX XXXX. XXXX XXXX MO, XXXX XXXX. '' Meanwhile my current address continued to be the same nowadays. When I asked to the bank about my account I was informed by Mr. XXXX XXXX ( actually Director, Citigold Market Manager XXXX XXXX XXXX XXXX. XXXX. XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX ) that my account had been reported to the Office of Unclaimed Funds Remittance Control since XX/XX/XXXX. When I claimed to The Office of Unclaimed Funds Remittance Control they answered last XX/XX/XXXX as follows : " A letter was sent to you on XX/XX/XXXX stating that we were unable to locate any funds belonging to you. 
Due to the age of the item in question, the bank was unable to provide any information regarding these funds. '' During this time I have also be affected and I lost my condition of resident of the USA and I have not gotten a US visa any more.
Complaint sub-issue: Information belongs to someone else

Nelnet reported on all 3 credit bureaus that I had a student loan taken out with them. I have never applied for a student loan, I have never received a student loan, and I have never signed a contract for a student loan. This fraudulent loan was taken out. I have called Nelnet several times, police/detectives have called Nelnet several times and Nelnet refuses to send information or provide information over the phone. Nelnet has mailed information with 3 different names, 4 different addresses, and emails/phone numbers that have never belonged to me. This fraudulent loan has caused so many issues for me, including killing my buying power. I was unable to purchase my home because of the FRAUDULENT loan. 

At one point all 3 credit bureaus removed this fraudulent loan from my reports and then Nelnet provided XXXX with more false information and it is back on my credit report fraudulently. They are reporting payments being made that I never made on this fraudulent loan along with other false information that Nelnet is providing to the credit bureaus without my consent, knowledge, and without factual proof.
Complaint sub-issue: Personal information incorrect

They merged my credit file with my brother 's credit file because we are relatives with similar name and same address.
Complaint sub-issue: Debt is not yours

XXXX XXXX XXXX XXXX has made a charge for a service which it did not render for me, the patient. A charge of {$500.00} was applied to my account for XXXX storage on XX/XX/XXXX by XXXX XXXX XXXX with a Diagnosis code of XXXX. This charge was mistakenly applied to a service not rendered. 
The initial freezing and first year of storage occurred on XX/XX/XXXX and I paid {$300.00} for both. The next year I chose to transfer the vials to a new facility. XXXX XXXX facilitated the transfer on XX/XX/XXXX. She assured me that because it was within the same week of the first years expiration date, that I would not be charged. She said that I XXXX receive a couple bills until the charge was cleared, but to call if that didnt happen after 2 months. 
After receiving a bill on XX/XX/XXXX, I began calling XXXX XXXX, business office, to dispute this charge. I called and left messages on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. She never returned my calls. I also called XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX, and they were also unable to resolve this issue. On XX/XX/XXXX, this bill was sent to the collection agency XXXX XXXX. 
I have been called by XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. I called them back on XX/XX/XXXX to discuss the charge and tell them I am disputing it. I have also submitted a form on their website saying that I dispute the charge on XX/XX/XXXX. 
In the afternoon of XX/XX/XXXX XXXX XXXX did return my call and assured me she would expedite cancelling the charge and it would be resolved in 8 business days. I sent the attached letter and supporting documents to XXXX XXXX XXXX XXXX XXXX XXXX XXXX to document my dispute.
Complaint sub-issue: Information is not mine

A fraud alert was placed on my Equifax reporting with the old/ incorrect phone number. Now when I try to apply for credit, the company 's will not talk with me.
Complaint sub-issue: Threatened or suggested your credit would be damaged

Received a letter from a company named Jefferson Capital Systems LLC claiming that I owed just under {$150.00} for an unpaid cell phone bill from XXXX XXXX When I contacted the company to inquire about the debt, I was transferred to a call center in XXXX who gave told me that they were going to report the debt to the credit agencies if I did not pay them the debt immediately. Since I had not had any cellular service with XXXXXXXX XXXXr since XXXX, nor had the company ever attempted to contact me in any way claiming that I had an unpaid balance, I was obviously very skeptical. Knowing that this was likely a scam at this point, I then contacted XXXX XXXX directly to inquire if they had any record of any outstanding balance due on my old account. They pulled my old account data and confirmed that there was no balance due, nor did they report any debt to any collection agency. When I contacted Jefferson Capital Systems back and confirmed to them that XXXX XXXX informed me that there was no debt nor had they been hired to collect such debt, the representative became very hostile before stating that they would just " forgive '' the debt. It appears very likely that this outfit has somehow obtained a list of XXXX XXXX 's old customers and is attempting to scam them out of small amounts which would be similar to that of an XXXX so that the victim doesn't ask any questions or contact the company to verify the debt. I guess we can add this to the endless number of debt collection scams out there predating on hard-working Americans.
Complaint sub-issue: Frequent or repeated calls

They have called my four times today starting a XXXX XXXX XXXX and XXXX. I have told them each time my husband is at work, they then ask for a work number, which I wo n't give. I ask if they can discuss with me, and they avoid the subject and say they 'll call back later.