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

I recently contacted Best Buy Credit Card-Citibank to get any and all dispute comments permanently remove from my Best Buy Credit Card file. Their credit services dept remarked the don't have a credit bureau department to do that. So, I then contacted all three credit bureaus who immediately erased the disputes comment. Within a few days I received credit alerts from XXXX  stating that the comments were added back to my Best Buy Credit Card File.
Complaint sub-issue: Information is missing that should be on the report

I have two accounts with Citibank. One reports onto XXXX, the other does not. I am trying to understand why the one account does not. The card has been open for 20 years, and has a {$43000.00} credit line. Both of these factors could potentially play a major role in my FICO score. Who knows what effects this has had over the years on business decisions I have made. Oddly enough, the tradeline reports on my wife 's XXXX credit bureau, and she is simply an authorized user. 

I have contacted Citibank on three occasions. XXXX of last year was the first. They advised me the would " push the tradeline through ''. After 90 days of it not reflecting, I called them again. They said they could push the tradeline through again, but it wouldn't do any good because it was already pushed through. To this day, it still has not been pushed through. 

A few weeks ago, I decided to dispute the tradeline with XXXX. They have since completed the investigation and no changes were made. I have done nothing but make payments on time and fulfill my obligation as an upstanding customer. If I stopped making payments, the tradeline would be reported as derogatory on my report. This is completely unfair that as the primary cardholder, this card is not reporting onto my file. 

This is a last effort to avoid legal action to fairly, and accurately, report this account onto my credit bureau report. 

XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am in the process of purchasing a home. I pulled my credit report only to find over XXXX credit inquiries on my report, one collection account and a lien. I have been a victim of Identity theft and I have reached out to the credit departments of all these inquiries. I alerted them that these are fraudulent. All of the inquiries was done online. They are unauthorized and this is causing a major dent in my credit score and these inquires need to be removed asap. I disputed with the credit bureaus and all I get is the same old pre-printed letter stating the are factual but there is no fact or truth nor verbal or signature stating I authorized these inquires. Its clear someone went on a rampage just applying for credit and or cars. The inquiries are : XXXX XXXX-XX/XX/XXXXXXXX XXXX ( XXXX ) - XX/XX/XXXX and XX/XX/XXXX XXXX- XX/XX/XXXX XXXX-XX/XX/XXXX XXXX ( XXXX ) - XX/XX/XXXX and XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX- XX/XX/XXXX XXXX -XX/XX/XXXX XXXX ( XXXX ) - XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX XXXX- XX/XX/XXXX XXXX ( XXXX ) - XX/XX/XXXX and XX/XX/XXXX Also XXXX XXXX is a collection account that is not mine which has not been verified or validated and a lien XXXX.
Complaint sub-issue: Frequent or repeated calls

EOS CCA reached out to me on numerous occasions about a debt to XXXX XXXX. I advised them that the account was involved in some type of fraud and that I was in the process of filing a complaint with the state of New York, but they have continued to call. They have even gone as far to call relatives.
Complaint sub-issue: Confusing or missing disclosures

I signed up the XXXX checking account under following terms : XXXX is offering a bonus of {$250.00} when you open a new checking account and complete the following requirements : Make two direct deposits of at least {$1000.00} each into your Spend Balance within 90 days of account opening. 
I completed the required activities and I confirmed with XXXX customer service representative that I would get the sign up bonus. However, XXXX changed their terms without advanced notification by adding additional term to disqualify my bonus : Maintain a beginning of the day minimum Relationship Balance** of {$1000.00} USD for fourteen ( 14 ) calendar days following your second eligible direct deposit. 
I contacted them and was told I should be getting the bonus based off the terms that I signed up for. However, as of today, XXXX refused to pay the bonus.
Complaint sub-issue: Information belongs to someone else

There are inquiries on my credit report, that do not belong to me and are deemed fraud. These accounts do not belong to me. I have reached out to XXXX, XXXX and Equifax to rectify the fraud accounts. These fraud accounts are hindered me and I need them removed asap. Below are the accounts which are fraudulent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2020 I made an online purchase for {$17.00} from XXXX XXXX XXXX. The telephone number is XXXX. When I did not receive the item about a month later I called and the phone number is disconnected. I can not find the company. 

My complaint is against US Bank XXXX. I called to dispute the charge and originally they took it off while they investigated. This was in XXXX. Then on XX/XX/2020 they re-charged it and I got a letter saying I agreed to the charge. THAT IS FALSE - I NEVER AGREED TO IT BECAUSE I NEVER GOT THE MERCHANDISE AND THE COMPANY DOESN'T APPEAR TO EXIST. 

I also had another charge that was fraudulent and apparently they determined that this wasn't fraud because I ordered it. BUT I said I wanted to dispute it. 

I have called numerous times and I keep being told that is it being investigated and a supervisor will call me back - NO ONE CALLS ME. They also say they can not take it off my charge because they took it off once. This has been going on since XXXX.
Complaint sub-issue: Information belongs to someone else

fraudulent accounts, XXXX XXXX XXXX ,X/XX/16 ,XXXX $
Complaint sub-issue: Their investigation did not fix an error on your report

I have been trying to get the info corrected on my credit report since XX/XX/2022. 
I paid a judgement off in full to XXXX XXXX clerk of the court in XXXX XXXX in amount of {$10000.00} It is public record that the judgment was released. There is even a release of judgment sent to XXXX from clerk of XXXX court releasing the judgement. There is a copy of the certified letter that XXXX XXXX at XXXX XXXX  signed for the check and release and check was cashed per XXXX XXXX clerk of court. However my acct still shows as open and the balance owed has increased. 
I contacted all XXXX credit bureaus as well as XXXX XXXX  and I can not get this corrected. 
XXXX deleted the XXXX acct after reviewing the documents. However the other XXXX Equifax and XXXX just keep telling me they contacted XXXX and they say info is correct. It is NOT. This has affected my ability to take on any credit, car, credit cards etc For 8 months i have been trying to get this resolved. XXXX transferred my calls and then hung up on me twice!! All the info is public record on XXXX XXXX XXXX it takes XXXX seconds to look up on their website but, XXXX will not correct this issue, nor will Equifax or XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX  has not updated my report as requested. XXXX XXXX XXXX  is still reporting me as high balance and owing money, when I paid this account in full, was never late. They are continuously breaking Federal Law. This needs to stop. This is affecting me and my family. I can not get any credit or do anything to since my report is being high jacked by these tyrants. Please do the right thing and make these guys get it right. At this point and time I will be seeking legal counsel. For I have tried to resolve this 4 times now and have no results what so ever.
Complaint sub-issue: Investigation took more than 30 days

We submitted an investigation request to the credit bureaus on XX/XX/XXXX. Over thirty days have past, but Equifax and XXXX have not responded yet. I am attaching a copy of the request we sent on XX/XX/XXXX.
Complaint sub-issue: Fraudulent loan

PHEAA XXXX XXXX XXXX. have been persistently harming my consumer credit for years. I made several attempts over the last two years to have Fedloan Serv remove the inaccurate accounts from my credit file/report. I also opted out of forced forbearance due to the " pandemic '' and one month the account was forced into forbearance again, showing I made payments on my consumer report when I have never and will never make payments, these tactics to keep the " assumed debt '' on my credit report well over 7 years has greatly effected me. After notifying them by phone that I do not owe a debt in which Fedloan assumed, I demanded to see an audit trail and the original document of indebtedness to show proof that I do not owe any debt. I also requested proper verification of debt or accounting to be notarized and signed by the accountant over my account. I received a copy some frivolous paperwork that seems to be computer generated, on the back of the last document they sent was a page entitled Direct Loans and also read page 1 of 8 at the bottom with no reference or evidence of a page 2 through 8. This one page document, printed on the back of frivolous small print documents that were printed in repetition, had a computer generated signature of my name. I have not been able to use my credit to obtain a home, personal vehicle, or a lifestyle that is appropriate to educate my son and prepare him for the world. Therefore I am homeless and have suffered financial ruin because of fraudulent practices exercised by FedLoan Serv and other persons under the same corporate control. I was messaged by XXXX that they now have my loan and I also informed them of my past troubles and the lack of evidence to make a claim previously by Fedloan. 
I stand with the provisions of the Fair Credit Reporting Act, Fair Debt Collection Practices Act, Equal Credit Opportunity Act, Indigenous
Complaint sub-issue: Attempted to collect wrong amount

XXXX XXXX XXXX ( XXXX ) acting on behalf of Citibank contacted me between XX/XX/XXXX-XX/XX/XXXXto  settle my debt of {$5400.00} ( account ending XXXX ). I was told over the phone that it would be resolved for {$900.00}, which I payed to XXXX. 

My credit improved. ByXX/XX/XXXX, my credit score was raised from XXXX to XXXX. 

In XX/XX/XXXX this debt from Citibank reappeared in default, and my score suddenly plummeted to XXXX. 

Why is this being reported now? Either Citibank is mistaken or XXXX has violated the FDCPA. 

THIS COMPLAINT IS A REQUEST OF PHONE RECORDS FROM XXXX XXXX XXXX ( XXXX ).
Complaint sub-issue: Information belongs to someone else

To whom it may concern : My personal information was breach in the internet as result accounts had been open in my name, I was advise to fill out an Id theft report to help me deal with this situation, I have listed each one of the accounts that do not belong to me. 
Please opt me out of pre-screening offers and send me copies of updated credit files.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is not taking the proper time to investigate disputes. For example i submitted a dispute on XX/XX/2022 and results came back the same day
Complaint sub-issue: Information belongs to someone else

) I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Complaint sub-issue: Not given enough info to verify debt

This company Key Bank is reporting accounts that are past the statute of limitations on my credit file and many duplicate accounts. I have disputed and nothing has been done about my issue.
Complaint sub-issue: Can't get other flexible options for repaying your loan

I have been making student loan payments on and off for 20 years to Nelnet. In XXXX i started making consistent payments on income based repayment plan. After 1 year the principal balance of my loan went up several thousant dollars because of interest, I called and said i wanted my payment amount to at least cover the interest so my balance would not go up. They changed my plan to an extended plan which i did not authorize. I would not have authorized a plan that would not qualify me for the Public Service Forgiveness program if it had been explained to me. I am a XXXX and told them i wanted to be part of that new program, that people were just starting to hear about in XXXX. But they did change my plan unbeknownst to me and 7 years worth of nearly {$1000.00} a month payments never gave me credit toward the Forgiveness Program. My balance never went down and now close to my retirement they told me I still owe what I owed 7 years ago and no payments went toward the Forgiveness Program. I want credit toward the Forgiveness Program for those 7 years.
Complaint sub-issue: Account information incorrect

We purchased a home XX/XX/XXXX. Every payment was made on time. On XX/XX/XXXX my wife and I got XXXX. We have an XXXX XXXX XXXX, the industry shut leaving us no way to XXXX XXXX. On XX/XX/XXXX I applied for a mortgage forbearance. Since I thought it would take some time I went ahead and paid XX/XX/XXXX. The forbearance was approved. Unbeknownst to me they started it in XXXX rather than XXXX, XXXX and XXXX. I didnt need the forbearance for XXXX since it was paid. I have made payment on time every month since the forbearance. They are now showing my account to be 30 days late and are charging me late fees. My credit score went from the high 800 's to the 600 's. My credit is impeccable I have not made a late payment in over 20 years.
Complaint sub-issue: Public record information inaccurate

XXXX XXXX has investigated a bankruptcy on my report and found the the information was inaccurate and removed it from their file. I disputed this bankruptcy with all the credit bureaus and to no avail they refused to remove the information A letter was sent from XXXX to XXXX and Equifax about this and the Bureaus refuse to remove the bankruptcy. I have also sent I a letter from the bankruptcy court stating they have not issue any information to any credit bureaus.
Complaint sub-issue: Was not notified of investigation status or results

Please remove all unverifiable and unauthorized information off my credit report or I will have File for litigation. I have been working on this for a while and I have not been updated.
Complaint sub-issue: Funds not received from closed account

XX/XX/2019, I was a victim of the XXXX XXXX XXXX I ignorantly cashed checks against my checking account not knowing that they where bad checks and I was involved in the XXXX XXXX XXXX. My checking account was closed for bad checks which was associated with the XXXX XXXX XXXX and the remaining of personally funds of {$930.00} is being held against my will at City bank. City bank did not give me a reason a for why they are keeping my funds. City Bank continues to tell me that I will receive a check within 30 days but I have not yet received any funds and it has been a few months since I made the request. I have lost thousands and thousands of dollars and I am trying to fix this situation and have gotten any support from the above the banks. I am a victim of a XXXX XXXX  XXXX.and I need help getting this situation resolved. I owe on a {$6600.00} loan I pulled out to pay for the taxes on my so called winnings and am paying back money to XXXX XXXX  as a result bad checks associated the XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I have disputed these 3 accounts off of my credit with Equifax 2 weeks ago. Still have not removed.
Complaint sub-issue: Account status

Discover credit card never issued me a statement for the months of XXXX and XXXX, and I was not able to log in and see my statements online and they are reporting me as being over 30 days and over 60 days late. This is preventing me from purchasing my first home and needs to removed immediately.
Complaint sub-issue: Account information incorrect

To whom it may concern There are a few accounts that are on my credit report that should not be there. The credit bureau stated that they did an investigation and the information was Verified. I sent them additional letter a few weeks ago requesting verification information ; such as the person who verified the information, their position with the company and the date and the phone number so I can follow up with said person who verified it.
Complaint sub-issue: Called after sent written cease of comm

I faxed as well as supplied the clerk of courts in XXXX county XXXX XXXX, SD a copy of a cease and desist letter to Credit collections this cease and desist letter at this time which was part of a suit against me also supplied a current address at the time since they were using a former address and family member to serve me as well as send letters knowing this was not and had not been my current address since XXXX. They are constantly calling my cell phone and obliviously using still my former address since I have not received XXXX letter from them at the correct address which was valid up to XXXX XXXX, XXXX. They have gone so far as having me served at the former address where ex family member thought it was important they actually accepted the documents thinking it was an emergency. They have also called my children phone numbers since XXXX which the cease and desist letter also states not to call those numbers or any 3rd parties numbers either which they have also. By sending information to non authorized 3rd parties they are also violating XXXX laws.
Complaint sub-issue: Cashing a check

On XX/XX/XXXX I deposited a check of {$5300.00} issued by XXXX for a vehicle I trade in/ sold to them. US bank did not honor not even the {$220.00} and they hold all the funds. I spoke to different agents asking why they were not honoring the funds as it showed on my account the check as deposited and not pending. They couldn't respond to me. I asked multiple times I needed a reason of why they will hold the funds and make an exception with me and not honor any portion of the check or the {$220.00} that usually tha banks does. They said they couldn't tell. They sent me several times to the branch the branch kept saying the hold was not from their end and that US bank reps or fraud department send you to the branch when they don't want to deal with the customer or provide with true information. I explained to US Bank that I needed a valid reason as XXXX was supposed to issued the check over 2 weeks before they did and that I needed the funds asap for a family emergency. 

On Friday XX/XX/XXXX XXXX at fraud department with US Bank told me that XXXX was holding the funds until XX/XX/XXXX. I went to XXXX on that same Friday and they said the funds were not on hold. I went back on Monday, and XXXX said that their corporate office confirm the funds were released to US Bank on Monday XX/XX/XXXX I called US Bank again, as none of the reps returned my calls as they promised including the branch manager, and they finally admitted the funds were not hold by XXXX but for internal purposes US Bank needed to hold the funds until XX/XX/XXXX and there was nothing they could do to expedite the funds. I explained the purpose of the urge on need of those funds and the rep that assisted me today said unfortunately it is an internal decision and I won't have access to the funds until or after XX/XX/XXXX XXXX XXXX XXXX XXXX @ US Bank XX/XX/XXXX XXXX XXXX US Bank XX/XX/XXXX - No call returned XXXX @ Branch - No call returned She apologize for what her teller stated and she will reach out the Fraud department to find out the reason of the bank holding the funds and will call me back XXXX XXXX US Bank Branch The account is new and the bank needed to build trust on the firsts checks deposits and when the XXXX & XXXX numbers don't want to deal with a client or when they don't know what to say they just keep sending clients to the branch but what they told me is not true. The hold is not coming from the branch and there is nothing they can do. 

XXXX @ US BANK XXXX - XX/XX/XXXX XXXX is holding the funds and that is why they don't release them XXXX XXXX XXXX Ext XXXX XXXX XXXX US Bank Fraud - She apologize for the inconvenience, the XXXX from XXXX are showing processed but it takes XXXX for US Bank to release the funds to me. She doesn't know why but the release date will remain the same XX/XX/XXXX and there is nothing they can do because the hold it is already on the system XXXX XXXX XXXX Ext XXXX
Complaint sub-issue: Information belongs to someone else

I have sent a dispute, police report, identity theft affidavit and ftc report to Equifax and it has been 30 days with no response from them. They will no remove fraudulent information.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX {$1700.00} XXXX  XXXX {$480.00} XXXX {$590.00} XXXX {$620.00} XXXX {$1700.00} XXXX XXXX {$0.00}
Complaint sub-issue: Problem accessing account

trying to connect my bank account for installment loans and managing my monthly bills
Complaint sub-issue: Was not notified of investigation status or results

I have not received any response from credit bureaus regarding this account : XXXX XXXX Account # XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have several inquiries on my XXXX profile that I dont recognize or authorize and trying to get them removed per the Fair Credit Report Act. Ive called the credit bureau and was told to submit a report here. Here are a list of accounts and dates these inquiries were reported on my profile XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX US Bus Admin XX/XX/XXXX I also have a fraud alert on my credit profile as well
Complaint sub-issue: Public record

This item is past the statue of limitation and should not be listed on my credit file.