Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Deposits and withdrawals

On XX/XX/2018 I had XXXX deposited into my account and it also stated that the avail balance was XXXX. 
I have been waiting for this money it was suppose to be for kids for XXXX and that was the whole reason for opening the account with citi bank. So that I could at least make my kids XXXX a good XXXX due to the loss of their dad. Whom died in an car accident recently. 
. The accident happened on XX/XX/2018 it was on the news. He was our bread winner for the family and our love and support. 
My point is my kids already going through alot did not need to be disappointed on XXXX too. But they did not get nothing for XXXX and no fireworks on XXXX XXXX XXXX either. 
But they had no XXXX thanks to citibank. Some of them the customer svc rep was awesome but alot was also rude and not even making me feel like they gave me there all wen trying to help. 
They didnt have that drive in them, the drive to go above and beyond for me or anyone else. Me as a XXXX XXXX I go above and beyond my means to help customers. I would walk on fire for them. So my kids holidays was one big disappointment. 
I sent my documents via fax so now im jus waiting again. I'm very angry and mad at the service they provided for me. I dont reccomend this bank as a friendly bank. 
So my account is still on hold.fyi. This is a new account.
Complaint sub-issue: Problem getting your free annual credit report

Attempted to retrieve my annual credit report on-line from Equifax ( via XXXX ) on XX/XX/2020 at XXXX EST. Equifax stated they are unable to provide on-line delivery of my credit report and that I am required to submit the request via postal mail ( see attached ). 

With all due respect to Equifax, the other credit reporting agencies ( XXXX XXXX XXXX ) were able to provide my credit report on-line. Please advise. 

Would appreciate your assistance with this matter. 

Thank you.
Complaint sub-issue: Debt is not yours

date of service XX/XX/2017 ... $ XXXX..I received a collection letter from a collection agency and I do not owe this debt from XXXX XXXX.
Complaint sub-issue: Information is not mine

It is equifax and they wo n't let me. When ask the identifying questions, they show XXXX items including a mortgage and XXXX credit cards, none of which are mine. Then they wo n't let me go any further. They also have an incorrect address for me on XXXX XXXX XXXX, in Mississippi. Which they wo n't take off
Complaint sub-issue: Their investigation did not fix an error on your report

I have been disputing several inaccuracies on my credit report with Equifax over the past year at least with little to no cooperation from Equifax. The most recent of which was signed for and received by Equifax on XX/XX/2021. That letter requested that Equifax either verify or remove the inaccurate items I was disputing in a timely manner as required under the law. 

After allowing more than the 30 days required for Equifax to either properly verify or remove these items, as of today, Equifax is willfully ignoring my request, refusing to delete these inaccuracies, opting instead to change small bits of information to the already inaccurate items and stating that they have verified the items. With every dispute, Equifax responds with a slight change and verified as the result. 

This willful neglect for the law by Equifax has greatly impacted my credit score costing myself and my family undo hardship and anguish. I will also be filing a formal complaint with the state attorney general and the FTC against Equifax for their blatant refusal to delete information that they are reporting that can not be verified properly by Equifax. 

I want these negative items removed immediately as I have given Equifax more than enough time to properly address this issue. I have copies of all correspondence sent and received, sent by certified mail with delivery confirmation and signature required. Immediate removal and deletion of these disputed items is demanded immediately.
Complaint sub-issue: Information belongs to someone else

I do not have an account with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX I have never received any bill nor notices from XXXX XXXX I viewed by credit report, and I saw this error. I was never informed of such issue. This issue looks to be very small and to put it in my credit report without verify with me that this issue an account I know of every very strange. This company says I owe then {$140.00}. I do not owe them any funds. Please remove this from my credit reports. 

People please be aware of this type of company I do not believe it is legit what kind of people just puts something in your credit report without even calling your or sending a letter to you there are rules for this kind of thing. 

XXXX
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX - XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX 2021
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

CITI BANK in his response to XXXX asked me idiotic questions inapplicable the the case solely on purpose to dismiss it
Complaint sub-issue: Account status

The statue of limitation has run out on XXXX accounts under my report with Equifax. Both accounts were opened in XX/XX/XXXX. Equifax is refusing to delete them even though I have not paid any $ on this account since XX/XX/XXXX. Equifax is saying the XXXX years starts over once I disputed both accounts. I just disputed accounts in XX/XX/XXXX. Equifax states that the XXXX years begins from XX/XX/XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I opened a Citibank card in  XXXX  of  2017 . Upon reviewing my hard inquiries, they did  two  credit checks on   XXXX   /17    - one with   XXXX   and  one  with  XXXX . I was told that there would be  one  hard inquiry in order to open up a credit card with them, so a second inquiry must have been done in error. I need this pulled.
Complaint sub-issue: Account status incorrect

account was initiating an automatic payment and they did not process the payment on time then i pay over the phone to put the account on time.
Complaint sub-issue: Problem during payment process

In the last few months I have noticed a tricky/sneaky change done to the way payments are processed. Citi has two date " cut-off 's '' - one is the date which the minimum payment is due, and then the other one is the date which is considered the close of the statement ( i.e. interest, fees, etc. are calculated & a new statement begins the following business day ). These two dates are normally separated by 2-3 business days. 

I normally pay the minimum payment immediately after receiving my new statement. Then I like to pay off the card in full prior to the close of the statement, that way I avoid being hit with interest charges. In the past I was able to schedule the payment any day except the final " close of statement '' date. However, lately they have prevented me from paying anything between the " minimum payment due date '' and the " close of statement '' date. They also are taking longer to process payments to shops, etc. ... all of this has the effect of essentially locking me out from paying off the card in full as I am unable to pay anything that is not " posted '' ( i.e. pending/processing charges can not be paid ) at least a two or three days prior to the minimum payment date. This means that I basically have a full 1 week window in which I can not charge anything to my card if I want to ensure I get a XXXX balance going into the next period. 

This is NOT business as usual. It is a change which occurred within the last several months. Prior that time, payments to shops would be processed & cleared within 1 day and payments could be made any date except the final " statement closing '' date. 

I wanted to send an email to Citi regarding this scam/issue but the website has removed the possibility to send messages and instead requests only that you " chat '' or call on the phone. I assume this is to limit the paper trail which could be used in a court of law. 

I am hopeful that something can be done to correct this abuse & fraud.
Complaint sub-issue: Problem with rewards from credit card

Citibank has forced opt-in for customers to use their rewards points ( thankyou points ) for purchases at XXXX, XXXX, XXXX, XXXX, and others. Citi does not ask for the customer 's consent to link our rewards points to these retailers and does not opt you out. You need to contact the retailers directly to unlink your rewards points account from the retailer as a form of payment. In the case of XXXX there is no mechanism to opt out. I am forced to continuously make sure I don't accidentally use my points towards a purchase there. Today, XX/XX/2022 I hit the incorrect button on the screen and accidentally used XXXX thank you points towards my purchase at XXXX. When I redeem the points for cash back at Citibank they are worth 1 cent each. When XXXX applies it, they charge me XXXX points extra ( XXXX points total ) towards XXXX dollars of my purchase, they unilaterally devalue the points of the program. On Citibank 's website they say there are no fees for using points at XXXX, yet I am charged 25 % premium if it is used there.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2022 The Department of Education sent updates to remove account and all negative information from my credit file to the 3 reporting credit agencies. Information was removed from XXXX and XXXX. Equifax is stating they never received information and had me file a dispute. Called Equifax on several occasions during this time period was told The Department of Education has not sent updated information or responded to dispute filed. Was told by Equifax to call The Department of Education back and get them to update information XX/XX/2022. Called The Department of Education on XX/XX/2022 and was told that they have not received any correspondence from Equifax and that they are not able to send another update about account to Equifax. I feel that I'm not able to get situation resolved from both Equifax or The Dept of Education. I've sent letters from The Department of Education and all other correspondence showing that my loans are not in default and they have been rehabilitated and unable to get this resolved.
Complaint sub-issue: Other problem getting your report or credit score

I am not able to access my credit files. The three bureaus have told me that my information does not match the information on file. I can not get anyone on the phone, and when I call, none of the prompts are what I need to access my files. When I try to make accounts on the websites, I am not able to do that either.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

1. Effective XXXX, 2020, XXXX XXXX XXXX Mortgage sold/transferred my home loan to XXXX  XXXX XXXX. - ( Documents 1 & 2 ) 2. XXXX XXXX XXXX didn't start reporting my account to the credit bureaus until XX/XX/2020. 

3. My XXXX  report reflects a good Fico score and a good payment history. ( Document 3 ). 

4. After XXXX XXXX XXXX started reporting to Equifax, on XX/XX/2020, my credit score dropped 60 points. ( Document 4 ). I still haven't heard back from Equifax. 

5.. After XXXX XXXX XXXX started reporting to XXXX, XXXX XX/XX/2020, my credit score dropped 61 points. ( Document 5 ). No one at XXXX  can explain to me why other than the XXXX XXXX XXXX Mortgage was closed. 

I'm at my wits end! I have a 100 % pay on time pay history! These inaccuracies have severely affected me. I have tried to refinance my home to no avail and apply for a small business loan. 

The explanations for the changes in the XXXX  and Equifax credit scores do not make sense. The explanations provided do not equate to a 60 point drop. 

I need this matter investigated. Hopefully, you can get some answers.
Complaint sub-issue: Information belongs to someone else

Ths regards XXXX XXXX credit card XXXX MASTERCARD/CBNA XXXX I am not the owner of the account. I was added as an authorized user. Therefore I am not responsible for the payment on the account
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have 31 inquiries on my credit report that was not authorized I have sent in letters to Equifax and they have not even investigated the matter at hand. I even have a fraud alert on my file to be contacted before extending credit and was not contacted about these inquiries
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act cXXXX XXXX XXXX XXXXXXXX, has violated my rights. 
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights In accordance with the fair credit reporting act XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
In accordance with the fair credit reporting act XXXX XXXX XXXX  XXXX, has violated my rights. 
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
In accordance with the fair credit reporting act XXXX XXXX XXXX  XXXX, has violated my rights.
Complaint sub-issue: Information belongs to someone else

I recently found that there are several inaccurate items on my credit report that do not belong to me. I do not have a record doing business with these companies. If these items are not deleted off my credit report immediately, I will be forced to contact a consumer rights Law Attorney and sue on the basis of defamation of character and denial of credit. I have documented all correspondences with The Credit Reporting Agencies ( Equifax, XXXX, XXXX ). Please remove these inaccurate accounts, as you know they are in violation of the Fair Credit Reporting ACT Section 609 ( B ), FDCPA Section 807 Violation of False and misleading representation. Thank You.
Complaint sub-issue: Information belongs to someone else

I have a XXXX XXXX phone bill that appeared on my credit reports, all 3. However I have only had an XXXX phone bill ever. I have never had any other company and this bill has to be fraud because it doesnt belong to me. I am more than willing to submit whatever I need to prove to them that this is not my account including my bills for att dating back to several years ago.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX 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 602A. States I have the right to privacy.

15 U.S.C 1681 section 604A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Reporting company used your report improperly

Im responding to the verified no-change letter you sent me for the late account. Based on your recommendation, I sent a letter to the Creditor asking for the proof that I was in fact late, on { the month they reported but they never responded. 

Its clear that the late account, Date open, no. of months ( terms ), High Credit, Last reported date, Date last Activity, Date of Last payment is inaccurate because the Creditor did not send any valid proof of me being late, date of Last activity, Last reported date, High credit, Date open, Last reported date, no. of months ( terms ), date of last payment. If they cant prove that the account was late, they cant report to the Bureaus, according to the FCRA. Please Delete Account Immediately these inaccurate listing from my credit report or your company will be in Violation of the FCRA. A HARD COPY HAS BEEN FILE WITH CFPB Creditor : XXXX XXXX Account XXXX TRUNCATION IS ERROR TO I NEED THE WHOLE TRADELINE ACCOUNT NUMBER. 
Reason : 15 USC 1666 A/B BILLING ERROR/15 U.S. CODE 1681e- Compliance Procedures ( b ) Accuracy of Report WHENEVER A CONSUNER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUN POSSIBLITY ACCURACY OF THE INFORMATION CONCERNING THE INDIVDUAL ABOUT WHOM THE REPORT RELATES. 

PLEASE SEE BELOW ATTACHMENT
Complaint sub-issue: Problem with personal statement of dispute

Equifax, XXXX and XXXX have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter. AND THEY WONT RESOLVE THIS ISSUE.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

On XXXX XXXX I called Equifax in regards to a dispute I made for an account listed as XXXX XXXX. I spoke with XXXX and I have never been so humiliated. Then I requested to speak with a supervisor and the both of them gave poor service and had an attitude throughout our conversation. Dealing with these type of people your dispute will never get resolved. The initial creditor informed me they sent over legal documentation for removal of the account and Equifax said they didnt receive but I have proof the creditor sent it over several times. Equifax is opening themselves up for litigation.
Complaint sub-issue: Debt is not yours

Carmax did not adhere to my requested invoice/remedies. I resent documentation giving them an opportunity to cure this invoice yet again. I am federally protected consumer and Carmax has violated me under the provisions of 15 USC 1692 and 15 USC 1681. Please review attached documentation.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 ortina can not furnish a account without my written instruction
Complaint sub-issue: Old information reappears or never goes away

Bankruptcy discharged a few years ago, this account is still showing as open and reporting negatively.
Complaint sub-issue: Public record

I disputed a public record of a bankruptcy with Equifax. They are refusing toremove this from my credit report. They claim they have used a XXXX party toverify this which is illegal under California state law. They must verify itthemselves or remove it. The removed it from my husbands credit file butrefuse to remove it from mine.
Complaint sub-issue: Personal information incorrect

XXXX is reporting that Ive lived at addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX The addresses have been disputed, and listed incorrectly again despite the disputes. Additionally, XXXX closed my account, and charges it off. They then wrote it off. Sold it to company that I have the obligation to. The company they sold it to listed as XXXX XXXX. Says my original loan was {$11000.00}. XXXX has it listed as {$19000.00}. The amount that XXXX XXXX has should reflect XXXX. Also, the open dates of the loans are different. Due to incorrect reporting. I request that both XXXX XXXX and XXXX be completely deleted from all three credit companies Pertaining to my name. Additionally, Im asking that the addresses above be completely deleted as well.
Complaint sub-issue: Public record information inaccurate

This Bankruptcy was discharged as of 2019
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Nj, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX Dear, Sir or Madam, I am writing today to exercise my right to question the validity of the debt your agency claims I owe perused to the FCRA ( Fair Credit Reporting Act ). I found errors dealing with fraudulent accounts that are hurting my good name. Someone stole my information and signed up for something in my name. I am aware that section 609 requires you to have verifiable proof of my signature. As is my right, I am requesting the validity of my signature or that the items that the items listed below be removed from my profile. 

ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX BALANCE : {$240.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX BALANCE {$0.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX BALANCE : {$0.00} Additionally, I have highlighted these items on the attached copy of my uploaded statement. I request that all future correspondence be done through email. As stated in the FCRA, you are required to respond to my dispute within thirty days of receiving this letter. if you fail to offer a response all disputed information must be deleted. Thank you for your Prompt Attention to this matter.
Complaint sub-issue: Reporting company used your report improperly

XXXX accordance with the Fair Credit Reporting act XXXX Account 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 a account without my written instructions
Complaint sub-issue: Their investigation did not fix an error on your report

Sent dispute letters to XXXX, XXXX  & Equifax asking for verification ( original wet live signatures ) on ALL ACCOUNTS on credit report. No information was provided on how accounts where verified, did not receive original wet live signature contract copies as requested on dispute. 

On XX/XX/2019 dispute letters where received by all 3 credit bureaus mentioned above. 30 days after receipt I was given no information on how the accounts on my credit report where verified nor was I given a copy of a wet live signature that binds me into contract with any of the accounts reporting on my credit file. I have attached a photo of the certified mail receipts.
Complaint sub-issue: Information belongs to someone else

I pulled my credit report XX/XX/2020 and noticed I have 2 accounts on my report that doesn't belong to me, XXXX XXXX and XXXX XXXX. I have disputed the accounts multiple times and the accounts still reporting.
Complaint sub-issue: Personal information incorrect

I would like to request a security freeze placed on my Consumer Disclosure Report. 
I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply.My name is XXXX XXXX XXXX please remove any variation of my name. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX  XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, NC XXXX