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

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Company closed your account

Credit card issued by Citi Bank ( last 4 digits are XXXX ) Since XX/XX/XXXX, I've been using Citi Mastercard, and I never had a single late payment, consistently paid the balance in full at the end of every statement. 

All of a sudden on XX/XX/XXXX, the account was closed for no reason. When I contacted the Citi card customer service ( XXXX ), I was told reason could not be given, as I had to wait until I receive the letter in mail. 

I received the letter on XX/XX/XXXX, and called the customer service again. Spoke with XXXX, who could not provide me any reasons. Escalated the call to her supervisor XXXX XXXX Team # XXXX ), and she could not provide me any reasons on why the account was closed ... she thought it could be due to my credit report, and I told her about my excellent credit history ( and I've never had any late payment in the last 15+ years with any other credit card ). 

Unfortunately when Citi closed my credit card, the account has a cash rewards of {$2500.00}. I was told by Citi customer rep, since the account was close, that I would not be able to get the cash rewards that were accumulated in my account. 

I'm requesting CFPB to investigate my issue, and request Citi to issue my cash rewards that were due to me
Complaint sub-issue: Their investigation did not fix an error on your report

I had an updated copy of my credit report, and when I looked at it, I found that some of the information was inaccurate. The three credit bureaus must verify these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Due to the letters of protest I have been submitting to the credit bureaus, I assumed this issue had already been resolved. But I'm upset that the credit reporting agencies did nothing to fix their error and update my credit in their files. It is not acceptable to disregard these reporting accounts as unverified information without offering any justification within the legally required time range. The following false information in my credit report needs to be looked into and corrected : XXXX. XXXX XXXX XXXX XXXX XXXX : {$570.00} XXXX. XXXX XXXX XXXX XXXX : {$1300.00} XXXX. XXXX XXXX XXXX XXXX : {$4000.00} XXXX. XXXX XXXX XXXX XXXX : {$8600.00} XXXX. XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX. XXXX BANK XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX. CXXXX XXXXXXXX XXXX Balance Owed : {$0.00}, and XXXX. XXXX XXXX XXXX XXXX : {$0.00}
Complaint sub-issue: Account information incorrect

EQUIFAX which has recently " verified '',  XXXX  &   XXXX   are all reporting a collection account,  XXXX   XXXX   XXXX   XXXX , AKA   XXXX   XXXX   XXXX   XXXX    ACCT. #    XXXX  IN THE ESCALATED AMOUNT OF  XXXX  DOLLARS FROM THE ORIGINAL AMOUNT OF  XXXX  DOLLARS ...  .THE ORIGINAL  CREDITOR IS   XXXX   XXXX   XXXX   XXXX   AKA   XXXX   XXXX  . THE ORIGINAL  CREDITOR HAS PERPETRATED " FRAUD '' in my case ...  ..I ord ered water service at a  XXXX  sales signup inside a  XXXX  store.What I signed up for was a  XXXX  dollars per month service.What I received was substantially higher on th e 1st bill, which were surcharges undisclosed to me in the sales   presentation .. . ..I sp oke to   XXXX   on the phone ... we could not come to agreement ... they would not relent on the undisclosed fees/surcharges so ... .. I told them to come pick up their equipment.They made  3  different appointments to come pick-up their equipment and were no-shows all  3  times.The machine/dispenser sits in my house to this day ... they obviously do n't want it.   What   XXXX  /  XXXX   XXXX   XXXX   wants to do is perpetrate fraud an d 1 ) overcharge on their service,2 ) '' sell me '' their equipment I do n't want, and 3 ) rin g up a huge unrealistic tab, give it to an relentless collector who could n't give a DV notice or Debt Validation .... because it would invoice or document their crime as evidence in court .... I have found out from the BETTER BUSINESS BUREAU that this scheme is being perpetrated all over the country.   So if the credit bureaus do n't delete.. the CFPB will receive a complaint against the collector/furnisher AND THE  O.C . the organizer of the fraudulent financial scheme.
Complaint sub-issue: Old information reappears or never goes away

Information that was removed from my credit report according to Credit Karma. This was over 6 months or so ago when I disputed the accounts and they were removed. As of XX/XX/2018, when I checked my Credit Karma account, these accounts were put back on my report. By law, this is illegal. There must be something in writing concerning this. I have not received anything. This is causing henderence to my credit report and score. I would like for XXXX  to remove these and keep them off. Please advise.
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX  XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX  XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX  XXXX, CA XXXX ; Bankruptcy : Discharged XXXX Filed on XX/XX/XXXX Reference number : XXXX ; XXXX  XXXX bankruptcy discharge Filed on XX/XX/XXXX Reference number : XXXX ; XXXX Inquired on XXXX XXXX, XXXX
Complaint sub-issue: Reporting company used your report improperly

I have sent three affidavit credit dispute letters starting on XX/XX/21. My written request was for XXXX to remove all unverified accounts from my credit report. One remaining account that is incorrectly reported is XXXX XXXX XXXX who sold the account to XXXX XXXX. Equifax and XXXX have ignored my requests and continue to report erroneous information on my credit reports. 

I have no signed contract with XXXX, no investigation of XXXX has been made to show an original credit application on file. Equifax has reported several accounts with XXXX XXXX XXXX XXXX, and XXXX XXXX of XXXX. I have been unable to look at my credit report with Equifax. XXXX has followed suit with several reports from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX and others that have not been verified prior to adding the accounts to my credit report. 
Under Section 609 & Section 611 ( a ) ( 1 ) ( A ) a consumer contract with my signature on it has not been verified. I have been ignored by XXXX, Equifax, and XXXX. I demand that this illegal way of reporting ceases to exist on my credit report.
Complaint sub-issue: Problem during payment process

My account has been closed for months, and I have been struggling due to job loss to pay off this account. On XX/XX/2022 there was a payment due on the account. Even though the company was closed they charged me a late fee for the payment not being received on that day. This company has also been charging me {$10.00} fees to make payments to them making it almost impossible to pay the balance to XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Both creditor XXXX XXXX XXXX and agency credit report XXXX are not willing to take out the bad report from The account that is not mine! i was just authorized user for sometime for work related and I understand account has been charge off cause the account owner has passed away
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 XXXX/XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

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

5. Identity Theft XXXX Account Number : XXXX This is not mine.
Complaint sub-issue: Old information reappears or never goes away

XXXX XXXX said my credit score was XXXX points lower than it really is and caused me to be denied auto financing. I've never even heard of this company and I definitely did not give my permission for my personal information to be given to them. Their reasons for such a low credit score were not true either. XXXX XXXX will definitely never get any business from me in the future and I will make sure to let everyone possible know about these two companies and what they have going on
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 : DISCOVERBANK Account Number : XXXX
Complaint sub-issue: Card was charged for something you did not purchase with the card

An account was opened by someone who took my identity. I did not open it.
Complaint sub-issue: Information belongs to someone else

I disagree with the results of your investigation on the following items that still appear on my credit report. These inaccurate items are doing damage to my credit rating, and I demand that these items be reinvestigated. 
Per the Fair Credit Reporting Act, Section 611 ( a ) ( 6 ), I request that you provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. By law, this information must be provided to me within 5 business days after the completion of the reinvestigation. 
Please reinvestigate the following items, and promptly remove inaccurate, incomplete or unverifiable accounts
Complaint sub-issue: Received unsolicited financial product or insurance offers after opting out

Unwanted and unwarranted credit inquires on my account made without my full knowledge to lenders I did not approve of. Information was not presented to me at all.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/2017.
Complaint sub-issue: Information belongs to someone else

My identity was stolen and has been involved in an investigation for a couple years where someone is using my name and have applied to rental units, worked under my name and also tried to file taxes under my name. I have filed a complained with the credit bureaus and also FBI. Although this has been filed I am still noticing duplicate inquiries, incorrect addresses and credit being reported under my name. 

Resident Verify XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Didn't receive advertised or promotional terms

Citi checking account offer : open checking account and deposit XXXX dollars and will get XXXX   XXXX XXXX miles. 

I opened my citi checking account around XX/XX/XXXX, the XXXX dollars was funded around XX/XX/XXXX, but today is XX/XX/XXXX, almost 4 months, I haven't got the miles. I am trying to contact customer service several times, they don't want to solve my problem and just kick me around, and transfer me to the wrong department, I was trying to explain to them when I oppened my checking account, it didn't asked me to enter my XXXX XXXX account number, if the XXXX acount number is not in your system, how could you give the miles, each call cost me more than 1 hour but nothing was solved, they just asked me to keep wait for the next cycle.
Complaint sub-issue: Reporting company used your report improperly

The following inquiries listed on my credit file that was observed by me were not authorized/ consented and are fraudulent. Below are the listed Hard Inquiries that are on my Equifax credit report. I am requesting for deletion of these fraudulent unauthorized inquiries. 

Equifax XXXX XX/XX/2021 XXXX XXXX- XX/XX/2021
Complaint sub-issue: Transaction was not authorized

On XX/XX/2022, I received a phone call from the official Citibank Customer Service phone number ( the same number on the back of my debit card ). The person on the line stated he was a Citibank employee named XXXX XXXX. He told me that Citi noticed fraudulent activity on my account happening in Florida ( where I used to live ). 

He proceeded to ask me questions that Citi would typically ask such as the last 4 digits of my social, my address, and later on in the call, the first 5 digits of my SSN. Although I never gave him my banking login information, he was able to get into my account with the little information he had. He mentioned that he had the names of the scammers that got into my account and asked if I wanted to press charges with the help of Citis legal department. By this point, while I was still confused by what was really going on, I was more worried about these imaginary scammers and wanted to resolve the issue. I told him yes I would like to proceed with charges and then he reconnected the phone call through a different phone number from a XXXX, Texas area code. 

The person I was on the phone with went through my bank statement transactions as if to search for more suspicious behavior he started reading out past XXXX payments that Ive authorized previously. He read off a few past XXXX payments that are monthly recurring transactions. Specifically ones that were sent to XXXX XXXX XXXX, a trusted contact in my phone. While he was going through my account I went to the Citi banking app on my phone and noticed nearly half my money was gone. I asked him what was going on but he gave me an answer that didn't really make sense. He then asked me to verify the contact of XXXX XXXX by sending a verification code to his phone number and told me to read it off to him. 

With whatever hacking technology this scammer has, he was able to use my friend 's name as the receiver of this money but changed where the money was actually being sent to. XXXX gave me a notification that the money was actually being redirected to a XXXX XXXX. I do not know this person and I am assuming this is a fake name. 

There were a total of 4 transactions. One of {$10.00}, {$4500.00}, {$2500.00}, and {$1900.00} equalling a total of {$8900.00} that he claimed I was getting my refund of from the money that disappeared. In order to send off that much money, HE created 2 new checking accounts under my profile so that I would keep sending money without a limit. 

Ive been received countless letters of denial for my claim and appeals from Citi. The scammer was able to go incognito by covering his own name and using the name of someone I trust in order to trick me into sending my money to get my refund. I want to also reiterate that this person impersonated a Citibank employee and called me from the Citi Customer Service number ( XXXX ).
Complaint sub-issue: Personal information incorrect

Wrong addresses and phone numbers on report. XXXX XXXX XXXX XXXX AR XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  AR XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX AR XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  AR XXXX, XXXX XXXX XXXX XXXX XXXX Ar XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Ar XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX NY XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX NY XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX # XXXX XXXX SC XXXX, XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX, phone # XXXX XXXX and XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

On XXXX XXXX, 2016 A credit collection Agency by the name of XXXX XXXX XXXX placed a fraudulent account onto my credit report for the amount of {$1900.00} with XXXX XXXX, which is not mine. I 've disputed this account numerous times with XXXX and XXXX. I 've done my research on the company and I 'm not the only victim. This caused my credit score to drop dramatically. I 've contacted the company only to be placed on hold and never returned to.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX is reporting an account that is not mine to the credit bureaus, and is in violation to the FCRA and FTC ...
Complaint sub-issue: Inadequate help over the phone

I contacted Equifax about XXXX judgments that are still showing on my credit reports after multiple disputes and not receiving ANY documents to verify them. i gave the a call and spoke with the call center representative named XXXX. She insisted that Equifax contacted the XXXX XXXX XXXX XXXX to verify the judgments, but was providing false information because I forwarded her a sealed and stamped letter from the courthouse stating that they do NOT in fact verify nor validate information with the credit bureaus and they also DO NOT report information to them. Equifax has parroted my public information from an unknown internet source,, lied to me about where it comes from, and refuses to remove it per the FCRA because it is unverifiable. I 'll attach a copy of the court documents. Please resolve this issue as soon as possible.
Complaint sub-issue: Deposits and withdrawals

Several months of not being able to transfer funds, have complained several times to discover bank, still no transfer available
Complaint sub-issue: Reporting company used your report improperly

My personal data including SSN was compromised in the Equifax security breach. They did not properly secure my personal information, and therefore made me significantly vulnerable financially.