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

Equifax Credit reporting provided outdated and incorrect information to creditor XXXX XXXX XXXX  and XXXX XXXX XXXXXXXX on XX/XX/2018 with whom my wife and I were applying for a mortgage loan. They reported an open account with XXXX XXXX in the amount of {$2400.00} even though I had disputed the information due to this account was paid in full in XXXX of 2018. They also reported incorrect/outdated info for XXXX XXXX XXXX XXXX of unpaid charge off of {$610.00} even though I had disputed this account and had paid this account in full in XXXX of 2018. 

Transunion continues to report the same incorrect info. 

Both XXXX XXXX and XXXX XXXX XXXX XXXX are both paid in full and closed.
Complaint sub-issue: Report provided to employer without your written authorization

I already sent you a letter via certified mail regarding some unfavorable information on my credit record,. However, your organization neglected to remove accounts that are unverifiable and not associated with any of my addresses, so how are these accounts verified? You failed to remove and delete the disputed items.
Complaint sub-issue: Account status

In XXXX 2013 The United States Bankruptcy Court - XXXX District of Florida had sent docs for a Chapter XXXX Discharge of Joint debtors for both : my self and my husband to all creditors involved.I have attempted to contact the companies many times to have our credit information to be updated. OUR Equifax reports has STILL not been corrected! I have also filed COUNTLESS disputes WITH EQUIFAX only to have them DENIED by YOUR company and my credit score impacted further- this is in VIOLATION of the bankruptcy of the Bankruptcy court discharge! This needs to be corrected ASAP! - I want this backdated to XXXX of 2013 for the correction as well.
Complaint sub-issue: Was not notified of investigation status or results

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX and again on XX/XX/XXXX. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I submitted a complaint stating my credit reports were in accurate. 
XXXX XXXX had reported a first major delinquency on XX/XX/XXXX on my home mortgage to all four credit bureaus. XXXX XXXX investigated and said there was no delinquency reported. I received a copy of all four credit bureau investigations. Three of them had the errors corrected. Equifax did not. Equifax is still reporting a first major delinquency on XX/XX/XXXX. On XX/XX/XXXX I spoke with XXXX XXXX explaining that Equifax stills shoes the first major delinquency on XX/XX/XXXX. XXXX XXXX again said they never reported it delinquent. Equifax says it can not change it because XXXX XXXX denies reporting the major delinquency. I have attached the Equifax Credit Report that was sent to me. The error I am disputing ins on the bottom of page 12.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

After looking over my credit report I see that I have hard inquiry from XXXX XXXX XXXX XXXX XXXX Equifax XXXX Solutions XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that I did not authorize. Please remove all of these hard inquiries.
Complaint sub-issue: Information belongs to someone else

XXXX client, XXXX XXXX is a victim of identity theft. She received a notification that someone used her information without her consent to apply for an account with XXXX XXXX  XXXX XX/XX/2018. An inquiry is being reported to XXXX, XXXX and XXXX credit bureaus. Shortly after she received another notice concerning an application submitted to CitiBnka, NA ( CBNA ) the same date XX/XX/2018 that also resulted in an inquiry into her credit reports. Both banks were sent formal disputes of these actions XX/XX/2018 certified mail with return receipt. As of this date neither of these banks have replied with the outcome of the investigation which is a violation of the FCRA and my clients consumer rights.
Complaint sub-issue: Account status incorrect

I have sent out disputes to the bureaus and I have received no letters or calls or anything from them. I have inaccurate items reporting on my file that need to be removed. I will upload the most recent letters I sent but there have been others. Please fix immediatley.
Complaint sub-issue: Their investigation did not fix an error on your report

I am filing this complaint because Equifax, XXXX, and XXXX, has ignored my request to provide me with the documents with SIGNATURES that their companies have on file that was used to verify these accounts I disputed. Being that they have not adequately verified these accounts under Section 611 ( 5 ) ( a ) of the FCRA -they are required to properly delete all information which can not be verified that I have disputed. Please resolve this matter. Thank you
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax sent me results from a dispute I submitted indicating : " THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE '' ( attached Pages 3 & 4 ) however on page 7 of the dispute results the item is not deleted.
Complaint sub-issue: Confusing or missing disclosures

I was told to open an account with XXXX and I will get {$400.00} bonus. 

i opened it on XX/XX/2018, sent a check for XXXX on XX/XX/2018. 

I called every month XXXX, XXXX & XXXX. They kept telling me to wait for my {$400.00}. End of XXXX, I called again, they told me I'm not eligible and ask me to create a dispute with them. XXXX I called again to ask for the status of the dispute they told me I'm not eligible. 

The held my $ XXXX since XXXX promising me the {$400.00} bonus. If they have told me XXXX I'm not eligible I would have closed my account. 

Now I received a letter from Citibank stating they reviewed my case and because I closed my account, I'm not eligible to receive the {$400.00}.
Complaint sub-issue: Trouble with how payments are handled

I applied for their " Public Service Loan Forgiveness '' or PSLF, program and I first applied in XXXX XXXX, was given a different number of qualifying payments. XXXX of my loans had XXXX qualifying payments, XXXX loans had XXXX qualifying payments, and XXXX loans had XXXX qualifying payments. I had to re-certify my PSLF paperwork in XXXX XXXX, which I did and it reset my number of qualifying number of payments. Since XXXX XXXX my account has shown XXXX qualifying payments for all XXXX of my loans. I have called FedLoans multiple times to fix the problem, I called them before XXXX XXXX to get the correct number of qualifying payments. I pay my bill on time and in full and it was always over the amount they were asking. It is now XXXX and the problem has not been solved. I should have at least XXXX qualified payments. Why should I keep paying my bill on time, if they ca n't do something as simple as update my account. I made the payments, so they should update my account.
Complaint sub-issue: Account information incorrect

I got a copy of my credit report and noticed a lot of inaccurate information. I disputed it with all the bureaus and the inaccurate information is still being displayed. I sent along my driver 's license and social security card so that they would be able to verify my idenity.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Complaint sub-issue: Application denied

Its clear to me after not being approved by CITI several times, that for some reason, they are blocking me. And that is discrimination. 

My XXXX XXXXXXXX AAdvantage  card in XXXX was a noteworthy account then changed to Platinum Select Card.XXXX XXXX, it continued to be noteworthy. In XX/XX/XXXX, I paid my {$99.00} membership from the bill I received from CITI. But something happened with the account on XXXX XX/XX/XXXX, when I paid my annual membership fee of {$99.00}. There was a credit balance XXXX {$99.00}. On XXXX XXXX, I received a {$99.00} refund check. But the account should not have been closed. 

Request you review my account and see what negative comment is listed that is causing these problems. 

Since then, Ive tried several times to re-open the account but CITI WAS NOT HELPFUL AT ALL and they gave me a verbal negative short response. So I applied several times for a new XXXX XXXX AAdvantage Program and was denied by CITI both times. 

I would think a long and up-standing XXXX XXXX XXXX XXXX be treated much better than this. 

After a thorough review of my credit report provided by XXXX, there are only positive comments. All reflecting that I pay my debts on time and that I pay more than monthly amounts. 

I did not include my husbands income, but since his new car is listed, you need to increase our annual income to $ XXXX. We have XXXX house that is paid in full, and another house that is paid in full but has an equity loan of $ XXXX. 

I did not include his information for he is already in the Advantage Card program. He has his card for his travel interests, and I have mine for when we do not travel together. XXXX trying to purchase an XXXX XXXX ticket for XXXX, but this is holding me up from doing that. 

Discrepancies with the credit report - XXXX address that are listed that are not mine. I never resided at : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Id never live in XXXX ) and XXXX XXXX XXXX. Those address need to be removed from my report immediately and any comments related. 

Appreciate your assistance in correcting these infractions immediately. 

Happy XXXX XXXX, XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

Equifax did not properly store sensitive information ( my social security number ), and has indicated that this information may have been stolen.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft ... I have supplied the credit bureau and creditor with the proof that I was never late and made all payments on time and the credit bureau and creditors refuse to remove the late payment which is a voilation 15 U.S. Code 1681i FCRA XXXX  XXXX with late payments to re appear on my credit report causing me personal injury. 
I have send multiple certified mail receipts on this matter over the course of the last 2 years. XXXX XXXX, XX/XX/2020, XXXX XXXX, XXXX XXXX.
Complaint sub-issue: Debt is not yours

This collection agency called erc has been harassing me about a XXXX phone bill that is not mine. They show a date of XX/XX/2014 if said account. In the amount of $ XXXX.I 've disputed this several times and it was removed from 2 of the reporting bureaus XXXX  and XXXX  but still reports on XXXX. I've stated that by the fair credit reporting act states that if I dispute this negative item it must be resolved and removed but yet still remains. They contact me relentlessly to get my debit card information but I refuse to give it to them. Please help. I'm trying to buy a new house and obtain a mortgage and this negative item is holding that up.
Complaint sub-issue: Company closed your account

I received an offer from Citi where I would get a $XXXX bonus and an extra 0.5% cash back on my credit card for opening a checking account.I opened the checking account but did not fund it at that time because I didn’t have a check from the XXXX XXXX XXXX where the funds would come from.I logged onto Citi.com and didn’t see my new checking account listed. So the next day I opened another checking account and funded that checking account. I didn’t understand why but it forced me to also open a savings account. So I opened the savings account with $XXXX.I was in the middle of making some big purchases for my new house so I wanted to know when the extra 0.5% would start. I spent far too much time on the phone before I was told that I didn’t qualify because I had not put the $XXXX into the proper checking account. I tried to explain that I made a good faith effort to do as they requested but it didn’t seem to make any difference.I then closed the 2nd checking account and the savings account and requested a check. After receiving the check and depositing it back into my XXXX XXXX  account. I then transferred the money into the first checking account. Within a day or two, I got an email saying everything was set up properly and the extra 0.5% would start on the credit card.It had taken far too long but I figured everything was properly set up and everything was fine. By this time, I had already soured on Citi but decided to not do anything at that time.I was surprised to find an envelope from Citi in the mail on Saturday with the check for $XXXX  saying they had closed my account. I called Citi this morning and they stated they had the right to close my account and there was nothing to be done.So, after all this time, I first started to transfer the $XXXX to Citi on XXXX XXXX and won’t have access the funds they sent me until XXXX XXXX, I appear to have nothing. Citi still must want me as a customer because I still get offers for various credit cards from them.I know I did whatever was necessary to get the $XXXX and the 0.5% on the credit card and I am surprised that Citi is able to avoid giving me my bonuses. It might be legal but it sure seems immoral to me.What if anything should I do to prevent Citi from treating other customers as badly as they treated me.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX Balance : {$5500.00} XXXX  XXXX Balance : {$17000.00} XXXX  XXXX Balance : {$5500.00} XXXX  XXXX Balance : {$17000.00}. XXXX XXXX Balance : {$5500.00} XXXX XXXX Balance : {$17000.00}
Complaint sub-issue: Funds not handled or disbursed as instructed

I contacted them a few times and they requested I send over 30 pages of documents and would not process funds as original requested. When I left XXXX now XXXX XXXX I filled out a roll over form for all my retirement accounts. They send half to my managed 401k and then for some reason sent the other half to Citibank and converted it to a Roth. I have asked them to undo this and fix it but they refuse. Then they have asked me for 30 pages of documentation and refuse to provide me access. This should be a one page roll over form and proof of identification but I feel like this is a scam to manipulate and then deny me access to my money.
Complaint sub-issue: Information belongs to someone else

I received a call from a collection company stating about a debt I owed on tv service. I have never applied for tv service. I quickly opened with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX XXXX  XXXX {$440.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX   XXXX {$2700.00} XXXX/XXXX XXXX {$510.00} XXXX XXXX XXXX XXXX {$440.00}
Complaint sub-issue: Other problem getting your report or credit score

In XX/XX/XXXX, I have tried to access my credit report online. When I try going through the verification process, Im presented with a number of questions that does not apply to me. After answering the questions and imputing the correct answers from my credit report, Im told the information that Id enter doesnt match the record Equifax has on file for me. This problem is only with Equifax. I contacted Equifax and they told me the computer only generate questions thats on my credit file. I explained to them that, thats impossible because none of them applied to me or my credit file. They offered to send out a free credit report to help me answer the questions in the future, for when I try again. I received the report and tried again in XX/XX/XXXX. When trying to verify my identity through Equifax, Im told it doesnt match their records. Despite me going by exactly whats on my credit report they sent. I contacted Equifax and was told they will send out a new report because the information may have changed. I received the new report that had the same exact information as the first report. I contacted Equifax once again in XX/XX/XXXX. I was told they are not able to do anything about it because the computer is the one that generates the questions. I repeated the same process in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with no solution or any corrections. There is inaccurate information on my credit report that Im not able to dispute because I dont have any access and the computer generates questions that does NOT apply to me nor my credit file, AT ALL!
Complaint sub-issue: Talked to a third-party about your debt

XX/XX/2021 received a phone call at XXXX EST. Persons identified as citi bank/best buy. I replied whats the call regarding? Persons replied citi bank/best buy. She asked to speak to the debtor. Again me asking what's the call regarding NEVER identifying myself she gave out sensitive information that only should have been given out if debtor gave out their name. I asked immediately to speak to a supervisor where nothing was resolved and they were going to look into the audio file.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed XXXX XXXX for months now. I have sent certified mail to XXXX XXXX requesting validation of debt. I have sent a follow up letter telling them they are required by law to send me the proper documentation proving they have the right to report on my credit. I have not received the response with the request information. I have submitted these documents to the XXXX  & Equifax with no response. I want XXXX XXXX to either send me the requested inform or delete the account from all 3 credit reporting agencies.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2021 I went into the XXXX XXXX XXXX of XXXX in XXXX Alabama. A salesman greeted me and I told him that I just had my car refinanced and cut my interest rate in half, etc., but had noticed {$3500.00} incentives for a new XXXX XXXX, which I am interested in and the incentives ended in 2 days. We did the usual looking at my car and what they had available. I told him that my credit wasn't the best, have really been working on it ; I was out of work over 9 months because of a workplace accident, and workers comp isn't much. I knew that XXXX XXXX XXXX has a program to help, and the {$3500.00} incentive would really help. The salesman was XXXX. XXXX. He took my car keys to value it as a trade then when he came back said he would give them to me later. I was curious. I only wanted him to try XXXX XXXX and told him so. Quite a while later he came back and said that he couldn't get it financed. I asked for my keys back and he had to get them. I kept hearing notifications on my phone, and angrily told him that my XXXX  credit report, that I monitor, had " hard pulls '' for credit checks at least 5 times. I was LIVID. There were XXXX total, the only activity on all 3 reports for that day, XX/XX/2021. Equifax had 9 ; XXXX had 5, and XXXX  had 5. I found this out the next day. Two things are happening because of that ; my score is greatly lowered and the inquiries stay on there for TWO years. And if I apply for any other type of credit product, it looks as though I'm being irresponsible and just applying for anything ... not a good credit risk as they would see it, and it affects my ability greatly to try for another vehicle any time soon. I was just approved for a refinance loan! Furious. Only gave permission to check XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and needs to CORRECT immediately XXXX XXXX XXXXXXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have two mortgages with XXXX XXXX/loan care, they have misapplied payments to one of the loans causing the other loan to appear as delinquent. After several phone calls, and submitting a dispute they still reported negative information to the credit bureau. This has caused me to be declined credit, and a visit from someone to my home stating foreclosure is pending.
Complaint sub-issue: Information belongs to someone else

I have Been A Victim of Identity Theft
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I've been attempting to submit a dispute via the website and the phone but have not had any success. They make it extremely difficult. 

The debt collector is in violation of consumer rights under the FDCPA. I currently have federal charges against the debt collector. 

Please see attached exhibit.
Complaint sub-issue: Information belongs to someone else

Please delete the account listed below in accordance with the FCRA section 605B and FDCPA. Under section 605B of the FCRA it states that this credit card should be permanently deleted from my credit profile within 4 business days because it was opened fraudulently. I have attached the FTC Complaint to this file. 

XXXX XXXX XXXX Account XXXX