Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with fees

I received my first statement after the due date. Upon receipt, I paid the account in full, however did not call Citbank prior to a second statement being generated. The second statement had late charges for both the first payment due XX/XX/XXXX as well as XX/XX/XXXX. I made no payment on or prior to XX/XX/XXXX as in my mind I had paid the card in full and didn't open the statement until a later date. Once I finally did open the statement, I learned of the charges and contacted Citibank immediately. The initial representative was able to reverse the second set of late charges, but indicated she could not do anything about the initial late charged. I asked who do I need to speak to to have the charged reversed, she indicated a supervisor. Transferred to supervisor, no avail. I further escalated to the another supervisor who indicated she could not do anything either, but would review the call to see if the initial representative misinformed me. 

The supervisor contacted me back and by her own admission indicated that the original representative should have informed me that no supervisor could remove the initial late charge, however because that rep didn't specifically state that they would remove them, there was no error on Citibank 's part. They will not remove the initial late fee which no amounts to approximately 60.8 % of the actual balance that was on the card and paid in full as soon as I received the statement. I was told that if they removed the original late fee, it would demonstrate preferential to me. 

I find Citibank 's lack of willingness to work with me over something that is clearly not my fault ( nor their 's ) appalling. To charge a customer such a fee because mail was delayed is ridiculous.
Complaint sub-issue: Debt was paid

The debt was paid in full total payment received {$140.00} on XX/XX/2019 Creditor XXXX XXXX XXXX XXXX. Collection agency ERC collected {$140.00} Plus theyre over the phone fee of {$1.00} Totaling {$140.00}
Complaint sub-issue: Their investigation did not fix an error on your report

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy ofANYoriginaldocumentation ( aconsumercontractwithmysignatureonit ) asrequiredunder Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately. 
Name of Account Account Number Provide Physical Verification XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX  XXXX XXXX Unverified Account XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX Unverified Account
Complaint sub-issue: Their investigation did not fix an error on your report

I called XXXX XXXX XXXX XXXX  many times ever customer service tells me a different lie every time me as a mortgage broker for 26 years I know these things work differently when you pay mortgage you have to report that it has been paid on time if you don't pay its otherwise. They dont report to my three bureaus at all.
Complaint sub-issue: Old information reappears or never goes away

I filed disputes with XXXX, Equifax and XXXX  identifying accounts that were open fraudulently. I submitted reports from Identity Theft .Gov. The 3 credit reporting agencies removed some accounts, but eventually placed them back on my credit reports. The current credit card I do have is not being updated on either credit bureaus correctly. I have notified all 3 credit reporting agencies of addresses on my report I have never lived
Complaint sub-issue: Information is missing that should be on the report

Since XX/XX/17 I have been trying to get EQUIFAX to correct my credit report to no avail, all my credit info is missing, see attachment.
Complaint sub-issue: Company closed your account

I have been a loyal Citicard hold since XX/XX/XXXX. I've always paid my bill on time and kept low balances on my card. XXXX has never had a problem with me. On Friday XX/XX/XXXXI called and added an authorized user on my account. The rep even thanked me for being a good card holder. Well this weekend I went to use my card and found out my account was closed. I was later told ( this morning ) it was because I added to many authorized users. I honestly did not know I had a limit or I would have never added anyone else to me account. I have a vacation to XXXX XXXX next weekend for my birthday and the card they closed is my vacation card. The hotel is reserved with that card. I have to produce the card in order to check in. Also I'm on the process of purchasing a house. With the closure of the account my credit score will drop tremendously and it will negatively effect my utilization. I need my account reopened, this close will effect my life in so many ways.
Complaint sub-issue: Information belongs to someone else

I decided to get my credit pulled due to a couple of collections I continued to received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$28000.00} XXXX XXXX XXXX {$41000.00} XXXX XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX  XXXX  XXXX {$7700.00} XXXX  XXXX {$4300.00} XXXX/XXXX  XXXX {$510.00} XXXX XXXX XXXX {$570.00} EQUIFAX XXXX {$2500.00} XXXX   XXXX {$570.00} XXXX  XXXX XXXX {$470.00}
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

After submitting a complaint with cfpb on XX/XX/2018, regarding collections acct be removed, Equifax lowered my credit score 48 points. While all other credit reporting agencies raised my credit score to XXXX and above Equifax felt the need to lower my score to reflect the credit score at XXXX. I submitted documents that had a XX/XX/2018 date of removing the collections acct, when I called to get my status on this acct, they did not have any of this information and could only tell me they lowered my score because XXXX made an inquiry into my credit file. I don't think having an inquiry should lower my credit score 48 points
Complaint sub-issue: Personal information incorrect

XXXX I have contacted Equifax 4 times a month since XXXX, they keep reporting an address I have never lived at on my credit file. I am always told by them it will be deleted with in 24-48 business hours, I will always receive a dispute confirmation that it was deleted, but then it would be re added to my credit profile the following day. I was told that they would block the address and never did. My last call I spoke with XXXX who had no intention to help me, she put me on long holds to laugh and giggle with her other employees you could hear it every time she un-mute her phone. They do not take their job seriously and I constantly lied to. The address has reappeared XX/XX/2017, XXXX advised to me it would be removed. I have faxed them XXXX, social security card, and utility bill. I have even went out my way to email the CEO, everyone think this is joke. I've reached out to all my creditors even the ones that are listed poorly on my account and no one has that address for me, I want this address deleted. This is not my address. I have submitted a complaint to XXXX and this was the response : Dear XXXX XXXX, we received the complaint you submitted through the Consumer Financial Protection Bureau Portal. Equifax has reviewed the complaint and its records. The disputed address XXXX XXXX XXXX XXXX XXXX, Florida XXXX is currently not reporting on the Equifax credit file. Please note that for future disputes of credit report information, you may visit www.equifax.com.  Clearly there was no investigation, because every phone call had nothing to do with that address, they never too the time to review the calls or disputes!!! This is fraud, they will not even let me dispute online. Each time I call they tell me they will note the account. If there is notes on the account then they would investigate this correctly and have the correct address. There should only be one address.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX Account # XXXX has violated my rights FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency
Complaint sub-issue: Information belongs to someone else

on XX/XX/XXXX I filed a report with CFPB ( XXXX-XXXX ) against this company for items on my report due to identity theft I provided a police report and an FTC report even though they removed the items they refuse to delete the inquiries that were also due to identity theft and fraud here are the items there are also new inquiries. When I called the company they gave me a line that they don't remove or dispute hard inquiries which are against the law you have to remove inaccurate information from my report they also claimed that I did not file the above-referenced report with you all I spoke to a Manager who also stated the same facts. This Credit reporting agency needs to be investigated. Inquiry details Miscellaneous Reptg. Agencies  XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX  - XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX/XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg.  Agencies XXXX XXXX, XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX/XXXX  Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX  XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, Old
Complaint sub-issue: Didn't receive terms that were advertised

In XX/XX/XXXX I signed up for a bonus with Citi in which if I opened an account with at least {$200000.00} and leave the funds in my account for 6 months I would get a bonus of {$1500.00}! in XX/XX/XXXX after the 3 month period, I contacted CITI because my bonus was not credited to my account. They said that my bonus would post within 30 - 90 days which essentially meant i would have to keep my money in there for as long as another 3 months! This in itself was already a red flag and a very unethical way of doing business. So I waited and 90 days later i called again this time my Account Manager who oversees my account XXXX XXXX XXXX XXXX : XXXX. He had me put on hold for a very long period and hung up the phone. I called again and left multiple messages but no response. I sent him a few emails as well and he just disappeared. I was totally lost as now I know I have been totally scammed. So I quickly wired $ XXXX out of the account leaving the minimum of $ XXXX to meet the requirements of the Priority Account. I subseuquently called again and again and each time I called CITI customer service i was told that Yes I did complete the bonus program but they were unsure why i wasn't paid. I waited and waited and finally a couple of months ago, a letter was sent to my home address - but i was in XXXX for 4 months and did ' ; t get it till i returned last week. the letter stated that because I had another CITI account i was no eligible! I was like what?? So if i was no eligible ( which i am sure they are lying and using that as an excuse ) then why take my {$200000.00} deposit in their bank and kept it for almost a year? If i was not eligible then they should not have approved this account opening under this program! How can you approve the account, take the $ XXXX and not pay any interest and at the end of the day tell the client that Sorry you were not eligible - while the other customer service agents on the phone i had spoken to said that I had met the requirements according to their data they were looking at. I find it a total scam and I am really upset that CITIBANK, such a huge global bank would try and pull something like this on a client that has banked with them for so many years! I would like for you to help me get this bonus paid because i had met the terms and conditions and if i didn't meet the T & C they should never have approved the account in the first place being such a huge amount i had opened the account with. 
So far the interest that I had been paid for the $ XXXX was {$21.00} in XXXX and {$6.00} XXXX XXXX - this is really ridiculous and I hope you can set this straight with them and have them honor the bonus program and pay up.I looked at the promo code that the letter they sent me and the promo is for XX/XX/XXXX through XX/XX/XXXX, Its obvious they don't even know what to do using a code for a current promo but my promo was for XXXX!!! Clearly they don't know what they are doing!! 
Thank you in advance for your help and I look forward to favorable news..
Complaint sub-issue: Investigation took more than 30 days

I as of late sent dispute letters to XXXX, Equifax, and XXXX  on XX/XX/2021, presently it's XX/XX/2021, and I have still not got any examination results from one of the other Department. The explanation I'm recording this grumbling against them is that Government Law expects them to react within 30 days yet they have neglected to react. prior to agreeing with these Government Guidelines by credit revealing offices are explored by the Federal Trade Commission.
Complaint sub-issue: Account status incorrect

I have a student loan through AES, they reported late payments in XX/XX/2021 to all three credit bureaus. These late payments should not have been reported, as there was a freeze on interest and late payments reporting based on both Stimulus Packages that were passed by Congress and signed by the President.
Complaint sub-issue: Personal information incorrect

XXXX is reporting inaccurate and false information. I have requested for them to remove these accounts because by law they must remove it if it is inaccurate. They all have wrong address, phone number, and incomplete name. I have never applied for these false accounts. I will list the false accounts " XXXX BANK DELAWARE, XXXX XXXX  XXXX, XXXX, and XXXX XXXX XXXX Equifax is reporting inaccurate and false information. I have requested for them to remove these accounts because by law they must remove it if it is inaccurate. They all have wrong address, phone number, and incomplete name. I have never applied for these false accounts. I will list the false accounts " XXXX BANK DELAWARE, XXXX XXXX XXXXXXXX XXXX XXXX XXXX BANK XXXX XXXX is reporting inaccurate and false information. I have requested for them to remove these accounts because by law they must remove it if it is inaccurate. They all have wrong address, phone number, and incomplete name. I have never applied for these false accounts. I will list the false accounts " XXXX
Complaint sub-issue: Cashing a check

I was expecting for a check that I never received, because someone stole it. 
I called the two banks, and no one takes responsibility, the Discovered Bank said I have to call XXXX and the XXXX that I cant make the claim I can not understand how the back could cash it with out my ID or signature on it.
Complaint sub-issue: Debt is not yours

XX/XX/2023 a drop in my credit report happened because Pro Collector listed me as a debtor for a lease I wasn't on, it is not my debt. 

XXXX I called Pro Collector and explained this and sent in my mom 's lease showing that only she is on the lease, I didn't sign on as an occupant or a co-signer as I was living in Minnesota and still am the entire time. This apartment is in Florida. 

I provided proof of residency in Minnesota as well. 

I've seen in past reviews of this company that this isn't the first time they've falsely represented debt on incorrect people.
Complaint sub-issue: Was not notified of investigation status or results

I want somebody to please pay attention to my letters and the proof I keep sending in!!!!! I sent 5 letters and I'm not getting any help with my credit reports. 
I am having a few problems with XXXX because they are ignoring my letters and the evidence that I mailed in. I'm trying to buy a house and XXXX is stopping me because so many problems with my credit report. I hope this agency is able to help me with my consumer rights because I am being ignored by XXXX. 

# 1 Problem with XXXX is I sent a letter to XXXX on XX/XX/XXXX asking them to remove someone else name and date of birth from my credit report and they did not delete the incorrect names or birthdays. I sent my driver 's license and utility bill so they can correct my name, birthday and address and XXXX FAILED to make the corrections. My credit report dated XX/XX/XXXX is attached still showing someone else name, birthday and addresses on my credit report. I want this deleted right away! XXXX has no excuse to have somebody else information on my credit report. 

# 2 Problem with XXXX is On XX/XX/XXXX I sent XXXX a letter and a copy of my credit report with my driver 's license again because someone else accounts are on my credit report. XXXX claimed they verified this but it's impossible because I know for a fact the account not mine. I wrote a letter to Americollect to get information on the account and they did not send me anything either. Americollect is on my credit 4 times and I never been to XXXX XXXX of Wisconsin. I also wrote to XXXX and XXXX XXXX because this account also belongs to someone else and XXXX and XXXX is still ignoring me. 

# 3 Problem with XXXX is 2 Collection accounts XXXX XXXX XXXX is showing 120 days late. XXXX XXXX  XXXXis also showing 120 days late on my credit report. I wrote to XXXX and asked them to delete this and again, my letter was ignored. I wrote to the collection agency also and asked who the original creditor is and how are they reporting a collection account 120 days late because I know I read something that said a collection account cant be reported late on a credit report because thats against the law but XXXX and XXXX ignored my letters. My credit report is still showing this collection account as late. 

# 4 Problem with XXXX is that I sent XXXX another letter on XX/XX/XXXX about the accounts still being on my credit report after I provided proof that the accounts couldnt be verified accurately and my letters keep getting ignored. XXXX did not respond to my letter and none of these collection companies responded to my letters.
Complaint sub-issue: Account information incorrect

An account I had went to collections after I moved. After I was made aware it went to collections and was placed on my credit report, I paid the balance in full. The payment was made XX/XX/2017. I have contacted collection agency asking them to report it the all credit bureaus as paid in full. I have sent copies of the cleared check from my bank to all credit bureaus with a letter asking them to update account to paid in full. I have disputed the item with all credit bureaus in excess of 30 times still getting the same response as before. The account is paid in full. They have all necessary documentation showing that it was paid in full. It needs to be updated as such asap.
Complaint sub-issue: Fee problem

Years..12 yrs w/Key bank.Now they do not refund fraudulent charges and make a customer jump through hoops to the tune of XXXX XXXX dollars by one predatory debtor..there are morre they never address.NOW after closing the local branch disconnected phone calls and chats..I have no HELP..taking care of this XXXX yr old WW2 vet while they promote themselves on sociaL MEDIA IS UNBEARABLE TO SEE.tHEY ABOLISHED A SAVINGS ACCT W/FEES IN A FEW MONTHS! they GAVE THE wrong DEPOSIT INFO AND MY XXXX  WAS never DEPOSITED.i AM STILL PRAYING TO SAVE THIS FARM PROJECT..BUT NO DEPOSIT BECAUSE THEadvisors AT THE BRANCH GAVE ME THE WRONG deposit INFO..WAS APPROVED XXXX XXXX.NO DEPOSIT. yet.Continuous issues, nightmares in a very scary time for all of us.These folksd do NOT deserve whatever status or license they HAVE to take anyones money..ever
Complaint sub-issue: Account information incorrect

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 15 USC 1681. 

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 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 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. 1681s-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.
Complaint sub-issue: Their investigation did not fix an error on your report

I have logged 9 complaints with Lexisnexis it took 6 complaints for them to correct an address change I logged with the CFPB. Again now they still are reporting false and misleading information in an effort to resolve this issue I reached out to there number listed on the report and guess what it does n't work says not available. Please check for yourself Below is there contact information try it If XXXX XXXX has any further questions for LexisNexis, please have him contact the LexisNexis Consumer Center via email at XXXXXXXXXXXX or by phone at XXXX. The LexisNexis Consumer Center 's hours of operation are Monday - Friday from XXXX XXXX to XXXX XXXX Eastern Time.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Inquires on my credit report that was not authorized by me, please remove, I was a victim of identity theft in the past
Complaint sub-issue: Information belongs to someone else

I sent in a letter certified every 60 days certified with a copy of my social ID bank statement and FTC report. It's been 8 months and nothing been done. my last certified letter was sent in on XX/XX/2021. I sent in copies of proof of my identity and the letter they should have on file already.