Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive notice of right to dispute

I had a collection report item from XXXXERC, i called and paid XXXX  directly they said they will send me a letter saying they have ERc remove the item from my credit report since i paid them directly. They sent me the letter i forward to ERC and they said they dont delete items off the credit report.Since i paid XXXX  directly ERC has no claim on any debt since i paid XXXX directly. there is no collections to report since i paid off the orginal company, ERC has no rights to add something to my credit report since they have no debt to report. I need this removed from my credit report as I am in the procress of closing on my XXXX load for a house purchase.
Complaint sub-issue: Banking errors

On XX/XX/XXXX I applied and was approved for a new Citibank checking account. 

I was offered a {$300.00} to {$1500.00} " Checking Cash Offer '' by Citibank for this new account depending on the account balance and the completion of certain required activities. 

On XX/XX/XXXX I contacted Citibank via chat to confirm that my new account was enrolled in and qualified for the Checking Cash Offer. The representative indicated that I indeed was enrolled in and qualified for the Checking Cash Offer. 

According to Citibank 's terms and conditions, I must not have " owned a Citi checking account in the last 180 days '' in order to qualify for the Checking Cash Offer. 

180 days before XX/XX/XXXX is XX/XX/XXXX. I did previously own a Citibank checking account. That account was closed on XX/XX/XXXX. So, I did not own a Citibank checking on XX/XX/XXXX, which means that I am qualified participant in Citibank 's Checking Cash Offer. 

I closed this previous account via chat with a Citibank representative on Citibank 's website on XX/XX/XXXX. This representative told me that " the account is closed '' NOT that it will be closed soon or any other variation. My access to Citibank 's website was immediately terminated following this chat. 

After I completed all of the required activities for the new account Checking Cash Offer, I initiated a chat with Citibank to confirm my completion. During this chat on XX/XX/XXXX, a representative relayed that Citibank 's records showed my previous account was in fact closed on XX/XX/XXXX -- which would disqualify me. 

Based on all available evidence, the XX/XX/XXXX date is just not true. It is false and ridiculous to assert that I had ownership of the account on XX/XX/XXXX, and XXXX when my online access was terminated, ATM card deactivated, and a Citibank representative told me verbatim that my account is closed. Citibank 's records can not be solely relied upon, as they have been issued consent orders from the Federal Reserve Bank and OCC for, among numerous other deficiencies, their data quality management and information systems. 

Now, if my chat on XX/XX/XXXX was correct in that it takes 2 business days to close an account, then either I was lied to and misled in XX/XX/XXXX or I was lied to and misled in XX/XX/XXXX. 

I made a good faith and diligent effort to make sure I was qualified for Citibank 's Checking Cash Offer but Citibank will not pay me due to some combination of their lies, misdirection, and poor data management.
Complaint sub-issue: Investigation took more than 30 days

on XXXX and XXXX ive sent letters to the XXXX XXXX and equifax about this fraudulent identity theft account ( XXXX XXXX Account Number : XXXX. ) they have on my report. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint which is attached. pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt of my last letter and XXXX, XXXX and equifax failed to do anything thats against the law its been more than 45 days It has been well over 45 days since my last letter on XXXX. Section 609 ( a ) ( 1 ) ( A ), of the Fair Credit Reporting Act you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could send in a fraudulent account. In my last letter I asked to see a contract with my signature as proof and they have not sent me any proof that this XXXX XXXX, Account Number : XXXX belongs to me. 

under 15 U.S Code 1681b Permissible purposes of consumer reports I never gave XXXX, XXXX and equifax any written consent to report anything on my consumer reports no consent is FRAUD. XXXX, XXXX and equifax are violating my rights and committing fraud Also this XXXX XXXX account is a charge off with a balance of {$840.00}. A charge off means XXXX XXXX  has written it off already has been paid. It is inaccurate for there to be a past due balance if it is a charge off. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 168li ( 5 ) this accounts in violation not reporting 100 % accurate. Another reason you must delete. 
Also I respectfully Contacted XXXX XXXX  and requested to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.They have not been able to provide such proof to me therefore you are reporting misleading false accounts.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 14 days prior I was not. I can only validate this debt. I do not wish to validate this debt. The item must be deleted from the report expeditiously.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Citi card for amount of {$13000.00} is not mine and was put on my credit report and company can not give me no information because Im not on the account.
Complaint sub-issue: Other problem getting your report or credit score

Re : Equifax, XXXX, and XXXX XXXX XXXX I am a consumer that filed a Chapter XXXX bankruptcy in XXXX, where I am paying my debts to a court trustee and have never missed a payment. The circumstances regarding the Chapter XXXX were due to medical issues, prior to this my accounts were in good standing. 
To improve my credit score, I have disputed a few items including pass addresses that were not associated to me but remain on my credit report. I recently, joined SELF a company that helps to improve credit, and advertised as a savings program. 
It appears to my dismay, after completing the program ( no missed savings payments ), my score went down 11 points with XXXX, 20+ points with Equifax and 59 points with XXXX XXXX My credit history with XXXX has never shown any positivity or improvement no matter how many times I have disputed information with them. XXXX continues to hold my score in the 500s which is utterly ridiculous. 
I called XXXX to discuss the reduction in my credit score and was informed by a representative that the company doesnt discuss credit scores, although I am enrolled in their credit monitoring program at {$24.00} a month. I am afraid to stop the program because I fear my credit score will go down even further. As a consumer, I feel the Credit Bureaus are not accurately reporting any improvements and keeping my credit scores low even though a Chapter XXXX is more favorable ( debts are being paid and not reduced or excused by the court as a Chapter XXXX ). 
I expressly feel that SELF may be selling an idea of credit repair, credit boost, or credit improvement falsely to consumers. I never saw my credit scores improve with any of the credit bureaus as evident with my credit scores reported on XX/XX/XXXX. 
What recourse does a consumer have? I want to see a fair improvement with my credit scores for all bureaus. So fair that has not happened. 
XXXX offers credit boost, however if you disconnect your bank information the score falls back to the 500s. I am seeking help with unfair credit reporting!
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX. My account number is XXXX. Last four of my SS # is XXXX. I would like to file a claim of FRAUD and in addition XXXX XXXX failure to comply with all of the requirements under 1026.7 ( b ). I paid off the credit card a long time ago and never used it since. I never looked at this account since I NEVER USE IT! I have NEVER RECEIVED ANY CALLS FROM XXXX XXXX  NOR ANY BILLING STATEMEMENTS ( electric or paper )! I can provide proof via my email history and cell phone records. The charges on this account are fraudulent and are not mine! Please that this as a FRAUD dispute and comply with the requirements set forth under FCRA. Next, XXXX XXXX is in violation of all the requirements of 1026.7 ( b ) considering I have never received any means of a billing statement. I have been in the hospital with COVID for a while and recently was released and can now address this matter. I Demand XXXX XXXX REMOVE ALL NEGATIVE CREDIT HISTORY FROM XXXX, XXXX AND XXXX XXXX, RESLOVE THIS BALANCE AND CLOSE MY ACCOUNT AT MY REQUEST!
Complaint sub-issue: Information belongs to someone else

REMOVE FRAUD ALERT FROM EQUIFAX AND XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

a few years back I was notified that upgrade had given an $ XXXX loan to me .... but it wasn't me. I have tried numerous time to get proof that they gave this too me but they can not provide me any information. I filed a police report, have spent numerous hours on the phone with upgrade and begged them to provide me proof that this was my loan, but it wasn't me. It is still showing on my credit. I have gone so far now as to engage my attorney in an effort to have this removed from my credit, I have submitted complaints with the credit agencies and they have come back saying that upgrade has verified this was my account, but it wasn't and they will not provide any information or proof.
Complaint sub-issue: Card was charged for something you did not purchase with the card

In XX/XX/XXXX and XX/XX/XXXX, were made 2 transactions with Citi Dividend Card ( Last 4 Digits XXXX ). On XX/XX/XXXX 1st transaction was made for the sum of {$820.00}, and I was not aware of this transaction until it was put on my account under ( Credit Card # XXXX ). On XX/XX/XXXX Citi Fraud Department sent a text message to my phone IF I did a purchase for {$590.00} from Card ( Last 4 Digits XXXX ). I responded that its not my card and there was no transaction made by me. My card ( last 4 digits XXXX was blocked ). And Citi sent a new card in XX/XX/XXXX ( last 4 digits XXXX ). And transaction for {$590.00} was resolved as not mine Citi Dividend Last 4 Digit XXXX is Master Card isnt mine. 

The card I had first Last 4 Digits XXXX is Visa. 

On XX/XX/XXXX I was at work from XXXX to XXXX, in XXXX, Documents included Purchase was made in XXXX, NY XXXX XXXX After Citi card Security Investigation,  which in my opinion was not made properly, the sum of {$820.00} was added to my account ( Last 4 digits XXXX ) I was proving that Citi Card XXXX isnt mine, and I couldnt possibly be at work and in XXXX at the same time. 



Im fighting with Citi since XX/XX/2019, Calling Fraud Department, Customer Service, Security Department, and no one is responding adequate. No one wants to listen and solve the problem, which was not made by me from the beginning. 



Please help me to resolve the problem Thank you
Complaint sub-issue: Termination fees or other problem when ending the lease early

A letter was sent to me explaining my final payment due in XX/XX/XXXX from XXXX XXXX XXXX XXXX. Since then I received two phone calls in the same day XX/XX/XXXX which I could not answer as I was at work. No message was left on my phone for this. On the same day my husband who is not on the lease received a phone call and a message was left with him discussing my personal NPPI as to the detail of they are trying to collect a debt and the dollar amount they are looking to collect. I did not give consent of contacting my husband as he is not on this lease with me. I feel this is a violation of Privacy, FDCPA and this is a deceptive practice. There have been a number of complaints about this on the XXXX XXXX XXXX about this company doing this as well.
Complaint sub-issue: Problem getting your free annual credit report

I am filling this complaint because I am tired. I have been fighting for errors and inaccuracies on my Equifax credit report for a while, but things becomes more difficult for me because I can't get approved for any credit application. I did online dispute, phone dispute even sending letters, but nothing. On XX/XX/2020, I decided to send them a series of letter about misinformation and negative items theywerereporting. They replied on XX/XX/XXXX and all inaccuracies were deleted. Two weeks after everything ( positive account ) on my credit profile was gone. I was in shock, I called immediately to let them know about what happened. Unfortunately, the guy over phone told that he was not able to locate my file and he stated there's discrepancies on my credit report, but he couldn't help me. My credit score was seriously damaged because of this issue. I have filed Bankruptcy or have a jugement on my credit report to deserve this. I called again and again trying to fix this matter, but my calls were unsuccessful until I find a gentleman who told me that my credit report contains a big discrepancy, he advised me to write a statement including my personal information, ID with currentaddress, SOCIAL SECURITY NUMBER for them to be able to help me resolve the problem. On XX/XX/XXXX I submitted my dispute including my personal information and on XX/XX/XXXX they replied stating that they were unable to locate a credit file in their database with the identification information I provided to them. In order to further assist me, they need additional documents to verify my identification. I sent them my full name, DOB, SSN CARD, ID with current address and my previous addresses up to 5 years. Until today I'm not able to get a copy of my free annual credit report. My fico score is low XXXX with no positive account and instead they putted back all inaccurate accounts they have deleted a few weeks before. I can't get approved for any credit application right now. It's so frustrating this situation. I really need help!
Complaint sub-issue: Debt is not yours

I.c. systems recently deleted a false account that was added to my credit report XX/XX/XXXX with a balance of XXXX XX/XX/XXXX they placed another inaccurate collection on my credit report with false open dates after I received a letter stating that the debt will not be re-reported by the company itself to the credit reporting agencies. The letter I received from this company is a credit reporting removal. How is it added back on my credit report?
Complaint sub-issue: Old information reappears or never goes away

XX/XX/2022 it was suppose to be removed XXXX XXXX it is still showing on my credit report I did this multiple times before this date through XXXX XXXX I called multiple times for this account to be removed nothing has been done There are 2 accounts that just wont I dont owe anything on them but its still on my account and wrong address
Complaint sub-issue: Their investigation did not fix an error on your report

I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
There is an account with the wrong amount being reported I see an account that does not belong to me.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  these inquiries were not made by me XXXX XXXX, equifax, XXXX and the individual companies invovled refuse to take them off my report. I would like these inquiries removed from my credit reports.
Complaint sub-issue: Problem making or receiving payments

According to XXXX, PNC has made a change that doesn't permit them to connect with my bank. This is an extremely inconvenient issue, as I use XXXX to pay my rent, etc.
Complaint sub-issue: Information belongs to someone else

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft LENDING CLUB Account Number : XXXX**** This is not mine.

2. Identity Theft XXXX  Account Number : XXXX**** This is not mine.

3. Identity Theft XXXX XXXX  Account Number : XXXX**** This is not mine.

4. Identity Theft XXXX XXXX  Account Number : XXXX**** This is not mine.

5. Identity ThefXXXX XXXX XXXX XXXX Account Number : 23** This is not mine.

6. Identity Theft XXXX XXXX Account Number : XXXX**** This is not mine.

7. Identity Theft XXXX XXXX Account Number : XXXX**** This is not mine.
Complaint sub-issue: Didn't receive terms that were advertised

Hello, I had opened my US Bank Easy Checking account during the promotional period wherein if I get a direct deposit of {$4000.00} or above then I would be eligible for a {$400.00} bonus for opening my bank account. I opened my account over the phone and the representative over the phone said that I was registered for the promotion and that I would get it within a couple of business days of fulfilling the requirements. I opened my US Bank Easy Checking account back in late XXXX and I have already funded it with multiple direct deposits of over {$4000.00}. However, I have not received that bank bonus yet and after calling customer service, I did not get any proper response as to why the bonus has not been posted. They did not provide any resolution on the matter. I am hoping to escalate this matter so I can get the issue resolved and attain that {$400.00} bonus that I am missing.
Complaint sub-issue: Transaction was not authorized

Hi, My name is XXXX XXXX and have been a customer at XXXX XXXX for the past couple of years. Last XXXX, few of my pay checks were stolen from my car. I had, however, deposited all these through remote deposit option via my cell phone. The concerned pay check in discussion is check Number XXXX, CITI BANK for the period XXXX to XXXX which was made by my former employer XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I made the check deposit using remote option on XXXX via my cell phone. 

In the month of XX/XX/2019, I found that {$1800.00} had been cut from my XXXX XXXX account. After inquiring with XXXX XXXX officials, I learnt that the above mentioned pay check XXXX was submitted at a Citi Bank branch on XXXX. I tried to speak to Citi Bank officials but they said they could not do anything since I was not their customer. I testify here, as I repeatedly told both XXXX and Citi bank, that I never used or made use of any other party to submit the pay check at Citi Bank. 

I called and met in person with XXXX XXXX officials, but my pleas fell to deaf ears. The bank manager nor the customer care helpline were of any use. I consider myself to have been cheated by theft. One,  Citi bank issued the money to the impostor without verifying an ID, because all my ID cards are safe with me. Citi bank took money from XXXX XXXX .Second, XXXX XXXX cut money from my account without informing me or even bothering to ask me the case at hand. I feel unsafe about my money and consider this a deep threat to the very foundations of our great nation. 

I appeal to the bank CITI BANK ; XXXX XXXX officials to resolve this matter at the earliest. Failing this, I will have to go to higher authorities. It is no longer about the amount of the money anymore, but about self integrity and living peacefully thinking that our money is safe in the countrys banks. 

Thanks, XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

15 USC 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 FDCPA 80 . False misleading information FDCPA 8012 furnishing deceptive forms must remove/correct late payments under XXXX XXXX act. XXXXXXXX XXXX XXXXXXXX Balance Owed : {$660.00}, XXXX XXXX Balance Owed : {$350000.00}
Complaint sub-issue: Personal information incorrect

My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX, XXXX, OH   XXXX. My DOB XXXX and my SS XXXX. I am filing a complaint due to the following information below. I am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate : XXXX XXXX XXXX XXXX XXXX, OH  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NC  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NC   XXXX XXXX XXXX  XXXX, XXXX, OH  XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH  XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH   XXXX XXXX XXXX XXXX XXXX, XXXX, OH  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH  XXXX
Complaint sub-issue: Information belongs to someone else

I contacted the credit reporting agencies to obtain a copy of my credit reports and when I received them, I seen the reports were filled with inquiries and accounts that were either charged off or in collection under my name. I contacted these companies an informed them these accounts had to be in error because I have no knowledge of them I requested the companies provide me with documentation of the original contracts with dates & both parties ( my Signature as well as the Companies ) signature on the documentation they could do no such thing. I also have tried disputing these inaccuracies through the credit bureaus, they have done nothing besides ignore me the companies have not provided me with any proof of contracts/documentations or anything, but instead the credit bureaus continues to report these accounts as accurate I really need my information reported correctly and the credit bureau should not be allowed to report this in accurate information to other parties it is outright slander. 


Promptly delete the inaccuracies from my report and be sure that I am the person openings these accounts that are associated with my name for goodness sake I have never lived at these addresses
Complaint sub-issue: Account status incorrect

Hi, As of XXXX. XXXX, XXXX, my auto loan with Ally Auto Finance was paid off. I refinanced the loan with XXXX XXXX and they paid them. 

It has now been a month and a half, and the loan is still being shown as open on my credit report. 

Essentially, my report shows that I have 2 loans. 

I emailed Ally auto last week requesting that they close the loan with the credit bureaus and I received no response and no change in my report.
Complaint sub-issue: Reporting company used your report improperly

" Based on the information provided, we believe that your personal information may have been impacted by this incident. 

Click the button below to continue your enrollment in TrustedID Premier. '' My information may have been stolen because Equifax could n't update their security and maintain my life 's personal information.