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

I submitted CFPB complaint XXXX on XX/XX/2020 and complaint XXXX on XX/XX/2020 about information missing on my XXXX  credit report regarding my US Bank credit card ending in XXXX. US Bank sent me the same response on both complaints that they determined an update to XXXX  is appropriate and they have already communicated the correct info to XXXX  but so far nothing has reflected on my report. I attempted to contact US Bank regarding this by calling the numbers listed in their response and all I got was front line customer service representatives with no access to such information who kept transferring me from one department to the other. 

Attached are both complaints responses from US Bank by someone named XXXX with the office of the president who promised that the reported information will be corrected but it wasn't and she didn't share her direct contact information.
Complaint sub-issue: Right to dispute notice not received

This company continues to report this debt by passing it around to shadow companies they own. West Asset Management owns XXXX credit collections and they have resubmitted a collection to my account they removed from my credit profile. They did not send any notice or an explanation as required by law .... This is the same as this complaint with this agency. Case number : XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance Owed : {$140000.00} ; XXXX XXXX Balance Owed : {$360.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$520.00} ; XXXX XXXX XXXX  Balance Owed : {$7500.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX  Balance Owed XXXX {$3400.00} ; XXXX XXXX XXXX Balance Owed : {$7800.00}
Complaint sub-issue: Problem with rewards from credit card

Dear Sir/Madam Im reporting this issue here with a purpose to raise your attention. I once contacted our Customer Service via phone months ago, and was then issued a case number XXXX. I was told I will be reached after 1 or 2 weeks, but I never received your response by phone or by mail. I understand it might be the COVID-10 pandemic that disrupted lots of things. 

In simple words, I converted my Citi ThankYou Preferred credit card ( XXXX ) to a Citi Double Cash credit card ( XXXX ) last XXXX, as I had two TYP credit cards then. I did that via phone with our Citi customer service, and kept asking to ensure I wont lose points before making the decision to do the conversion. My understanding is that the points will be linked to my another ThankYou Preferred credit card after chatting with our staff. However, I lost XXXX points due to that conversion after a couple of months. Months ago, I contacted our Customer Service again with a hope to get my lost points back, and was issued the case XXXX. 

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

I HAVE REPORTED THIS TWICE TO DISPUTE TD BANK/TARGET ACCOUNT HAS NEVER BEEN LATE. THESE BUREAUS EQUIFAX AND XXXX COMPLETELY DISREGARD THE FAIR CREDIT LAWS AND CONTINUE TO REPORT FALSE INFORMATION. I WILL SEEK COUNSEL TO FILE A LAWSUIT.
Complaint sub-issue: Their investigation did not fix an error on your report

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX AND EQUIFAX AND XXXX has low and unfair credit number for me in their report. I have complained more then 29 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name AND ALSO THERE WAS A ACCOUNT SOFI ON MY CREDIT WHICH WAS FRAUDLENT I DIDNT CONSENT TO IT EXOOERIAN DELTED IT BACK AND XX/XX/2022 N NOW THE FRUADLENT ACCOUNT WAS REINSERTED BACK ON MY CREDIT REPORT WITHOUT NOTIFYING ME N NOW IM EVEN MORE XXXX  AND CANT MOVE ON WITH MY LIFE
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

Harassment at my workplace ' telling my employer it 's a urgent matter. Collector come to my place of work. Not introducing who they are and who they work for. Leaving a phone number to call immediately. They said they work for XXXX XXXX court and court Summons me. Telling me that ' they will come to my house so I can receive the court letter. And no one will be able to receive it but me.This is the first time they had contact with me and a lot of harassment happen. I almost got fired my work. 
First contact XXXX haole lady went to my workplace in the morning Second contact XXXX/XXXX/XXXX a man pretending to work for state court XXXX pm Third contact XXXX/XXXX/XXXX harassing me to pay the debt ' without me looking to such matter. 
Too much for one day '
Complaint sub-issue: Information belongs to someone else

I see y'all XXXX still XXXX playing with my credit u XXXX XXXX I WILL BE TA SEE YA IN XXXX GA MONDAY GOT XXXX MORNING BEETA BE READY CAUSE I DID THE XXXX PROCESS AND Y'ALL REFUSE TO DO XXXX AND CFPB Y'ALL AI N'T XXXX EITHER TO LET THIS FRAUD continue tho until somebody get hurt cause XXXX out here trying and y'all think I 'm gone let u keep doing bogus XXXX XXXX to me I THINK THE XXXX NOT I ask nicely to get that XXXX XXXX off my credit SO DAT WEB SITE TO FIND FOLKS OK ... I 'm federal property and all debts are prepaid so how the XXXX all that negative XXXX get the XXXX on my credit but JUAT cause u put FREEDOM in a book u think a XXXX ca n't and want read y'all XXXX move in commerce every XXXX day but think we do n't kw wat the XXXX yall doing so it 's my on now NO KEEP PLAYING WITH ME ... .HOPE Y'ALL CATCH A XXXX AND GO XXXX YOSELF
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 accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXXXXXX XXXX XXXX Balance {$85.00} XXXX XXXX XXXX Balance {$0.00} Inquiries : XXXX XXXX  Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 2021
Complaint sub-issue: Debt is not yours

This company has reported a collection amount of {$520.00} to the credit bureaus and it is negatively impacting my credit. It is being reported as a past due balance and I do not know this company. I have never done business with this company. This company does not have a contract with my signature.
Complaint sub-issue: Information belongs to someone else

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 




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 XXXX XXXX
Complaint sub-issue: Banking errors

-Citibank offered an on line promotion for a {$700.00} bonus with a minimum deposit balance of {$50000.00} ( between checking and savings accounts ) maintained for sixty ( 60 ) consecutive calendar days. The offer period was XX/XX/XXXX - XX/XX/XXXX. 

-I opened two accounts and received confirmation from Citi XXXX XX/XX/XXXX that my accounts were opened. The {$50000.00} I transferred to fund these accounts was reflected in Citi 's XXXX monthly statement. 

-After inquiring on XX/XX/XXXX why the {$700.00} bonus was not posted I received the attached letter dated XX/XX/XXXX noting this offer was only addressed to specific individuals. I was confused as this offer was available to the general public. 

-I documented this in the attached letter to Citi dated XX/XX/XXXX. I included the names of two employees whom I communicated with via Citi 's help chat. Both individuals confirmed the {$700.00} would be posted to my account ( but provided different posting dates XXXX. To date I have not received a reply from Citi. 

-I appreciate your assistance resolving this matter.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed several times to show that I paid off XXXX account. The credit bureaus are not validating it properly even after I provided documents to show that my account is paid off.
Complaint sub-issue: Information belongs to someone else

These inquiries are fraudulent and I need them reomoved. I will attach my Identification card, Social Security Card, and Identity Theft Affidavit
Complaint sub-issue: Information belongs to someone else

MY NAME IS XXXX XXXX XXXX. SOMEONE STOLE MY PERSONAL INFORMATION AND USED MY INFORMATION FRAUDULENT TO RECEIVE MEDICAL SERVICES. I HAVE ENCLOSED A POLICE REPORT AND FTC REPORT.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights.

15 U.S.C 1681 section 602 A. States i have a right to privacy.

15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency CAN NOT furnish a account without my WRITTEN consent.

Federal Law overrides any company policy. 

Dept of EDUXXXX -account number XXXX XXXX XXXX XXXXXXXX XXXX - account number XXXX XXXX XXXX XXXX XXXX XXXXaccount numberXXXXXXXX XXXX XXXX  -account number XXXX XXXX XXXX account number XXXX XXXX XXXX XXXXaccount number XXXX XXXX XXXX XXXX account number XXXX XXXXt- account number XXXX XXXX XXXX XXXX  account number XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX account number XXXX XXXX XXXXXXXX Unknown account name- account number XXXXXXXX XXXX XXXX account number XXXXXXXX XXXX- account number XXXX
Complaint sub-issue: Account information incorrect

As reported by XXXX my Equifax score has decreased by 116 points because of the following change. A balance was decreased by {$110.00}. Based on Equifax data dated XX/XX/19 Credit changes : Current score XXXX - Score was XXXX up until XX/XX/19 XXXX points down. 

We found 1 change to your Equifax credit report. 
Balance Decrease XXXX  Balance Decreased by {$110.00} Didn't payoff or close the account, didn't miss a payment, no collections were added, I am not using anymore credit etc. 

I have filed a previous complaint of inaccurate reporting. I am hoping this is not retaliation from the powers that be. Even multiple hard inquiries won't decrease a score by XXXX points. What is going on? Please help.
Complaint sub-issue: Account information incorrect

I sent letters to each 3 main credit reporting bureaus : XXXX : XXXX : Equifax I stated to each credit bureau, that there company violated federal law 15 USC 1681 ( B ) " permissiable purpose '' which stated the bureaus and collection companies must have consent to report personal information to the bureaus. These companies did not have consent and therefore made an error on my consumer credit profile that resulted in hardships during these covid hard times. The bureau made an error with a late payment on my mortgage account, which my mortagage account was in forebearance and is current and up to date, The account XXXX XXXX  services must be removed as a late payment or these companies must provide monetary damages to me as a consumer for violated my federal rights and violated federal law and the policies of the CFPB! Remove XXXX XXXX as late payments mark them as current to rectify the companies error and pay monetary damages to me as a consumer.
Complaint sub-issue: Account status incorrect

* XX/XX/XXXX - Application for For COVID-19 Forbearance is Approved by LoanCare for 360 days. At this point my account with LoanCare is current.

According to LoanCare 's Forbearance terms : " If your loan was current at the time of entering into this Forbearance plan, then each month you are in the Forbearance Plan, we will report the status of the account to the credit reporting agencies as current '' * XX/XX/XXXX - I am notified that mortgage servicing will be transferred to XXXX XXXX  XXXX d/b/a/ XXXX XXXX effective XX/XX/XXXX * XX/XX/XXXX - Servicing of my Mortgage is to XXXX XXXX  XXXX d/b/a/ XXXX XXXX * XX/XX/XXXX - LoanCare LLC reports a 90+ day delinquency to XXXX -- in violation of their agreement to report my account as current * XX/XX/XXXX - While applying for refinancing, I am informed of the XX/XX/XXXX entry in my credit report. This makes me ineligible to continue my application. 

I then contact LoanCare directly. I speak to representative XXXX. She tells me that this mistake happens sometimes with accounts that are in forbearance. She then guides me on how to submit a credit dispute to LoanCare.

After submitting the dispute, she informs me that it will take up to 30 days to receive a response. I ask if this review can be expedited and ask to speak to a manager. 

XXXX 's manager then comes on the line. The manager informs me that the because my account was behind when I entered into forbearance, then it is reported as behind. 

I correct her that I was not behind on payments before entering forbearance. 

She then seems to come up with a different explanation -- that when they transfer mortgage servicers they have to report accounts in forbearance as behind. 

I then remind her that this is violation of the forbearance agreement. As I'm explaining this she talks over me repeating the same explanation as before. Trying to make my case, the manager hangs up on the call as I'm speaking.
Complaint sub-issue: Can't use card to make purchases

I used my Citibank XXXX XXXX XXXX to purchase new XXXX XXXX for myself and my wife. I received no fraud alert during the purchase. However, upon attempting to activate said card for mobile payments I was told that this was a fraudulent request. They told me that they would be unable to verify my identity because I did not have other Citibank accounts, and that unless I was willing to open new Citibank accounts I would not be able to use my card as I intend. 

What bothers me is that no fraud alert was issued when I used their card to spend over {$2000.00} - but that attempting to register the card on a separate device ( that may charge a lower " swipe-fee '' than they are able to charge on their own ) triggered the alert. Additionally, their only method of verifying identity is having additional accounts with their bank.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681.

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

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX ACCOUNT NUMBER- XXXX
Complaint sub-issue: Frequent or repeated calls

This morning I received 22 computer generated calls to call VW Credit at XXXX. 
Each call was exactly the same in duration and in content. It was strange to me that I had to log into my phone to receive the messages, which is normally on 24/7. 

This is pure harassment. It was a clear violation of the FDCPA and if fines were to be applied, my car 's value would be exceeded in fines alone. 

Yes, I do owe the money and I will pay, though I am considering trading the car in to another dealer and not dealing with VW Credit in the future.
Complaint sub-issue: Their investigation did not fix an error on your report

To Whom it may concern : I am in a house process and I have request to Equifax, even fax proof to remove a collection company reporting on my credit report. Equifax has fail to remove this collection that was paid in full and I need it to stop reporting on my credit, this collection has to ve removed. 

the company itself is XXXX and I need this removed from Equifax. 
please remove this paid collection from my credit report. you are hurting my family to a better possibility of owning our home.
Complaint sub-issue: Other problem getting your report or credit score

I tried to get my credit report and it said my social security number did not match my name and it told me I had loans I didn't get
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2022, I received and alert that I had a hard inquiry credit pull from XXXX XXXX XXXX XXXX. I did not authorize this. This inquiry was done on all XXXX of my bureaus, XXXX, Equifax, and XXXX.
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 XXXX XXXX  XX/XX/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: Information belongs to someone else

XXXX XXXX and Equifax continue to publish a collections in my name. Experience deleted the inaccuracy due to identity theft. I wrote to XXXX XXXX and XXXX XXXX and they have not blocked it from my report. I 'm a victim of fraud and have had great difficulty obtaining credit as a result.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX : XXXX XXXX Balance : {$5800.00} Equifax : XXXX XXXX Balance : {$5800.00} XXXX : XXXX XXXX Balance : {$5800.00}
Complaint sub-issue: Threatened to arrest you or take you to jail if you do not pay

{ 15usc1692 } ( e ) { 807 } ( para ) ( 13 ) false representation or implication that documents are legal process from local county court being served by law enforcement. { 15usc1692 } ( d ) ( 806 ) { para } ( 5 ) causing a telephone to ring or engaging any person in phone conversation repeatedly with the intent to annoy, abuse, or harrass the person at the called number over 5 times in one day.