Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status incorrect

In XX/XX/XXXX, I contacted the three credit bureaus, creditor XXXX XXXX, and creditor Citibank , N.A . to dispute and request removal of negative account information ( 30 day late payment history ) from XX/XX/XXXX through XX/XX/XXXX, for two XXXX XXXX accounts and one Citibank account. I received a response stating, " the FCRA requires the accurate reporting of account history and the investigation shows the information on the credit report is correct. '' I was enrolled in a financial debt management program with XXXX starting XX/XX/XXXX. Citibank and XXXX XXXX, along with other creditors, approved of the proposal by XX/XX/XXXX. According to the credit reports, the late payments occurred during the first 90 days of enrollment. I was not allowed to pay the credit card company directly once I was enrolled in the program. My payments were managed by XXXX and I was not in control of the payments nor was I aware that any payments were late. No other creditors who participated in the program with XXXX reported negative information during that time. I paid all outstanding balances and successfully completed the program in XX/XX/XXXX. 

In XX/XX/XXXX, contacted XXXX and they informed me that both XXXX XXXX and Citibank approved of the proposal and received on time payments. I participated in a phone conference with XXXX and a XXXX XXXX Debt Management representative named Ms. XXXX. I also submitted supporting documentation to the credit bureaus and creditors that shows the date I was enrolled in XXXX. I also pointed out that I had years of on time payments prior to my enrollment in the financial debt management program. 

As a consumer in the program and no longer in direct contact with the creditors, I had no control of nor knowledge that the payments were paid late since they were made by a third party. According to XXXX, the payments were not submitted late but the creditors reported that they were. Furthermore, a review of my account will reflect that I had several years of on time payments prior to enrolling in XXXX. If I would have known there was going to be an issue with payments for the first 90 days, I would have worked out an arrangement between XXXX, Citibank, and XXXX XXXX to continue making on time payments and to preserve my positive credit history to avoid having the negative information reported to the credit bureau. 

Based on the circumstances in this case, including my past history of several years of on time payments prior to enrolling in XXXX, and payment of the debts in full, I requested that the 30 day late payment history from XX/XX/XXXX - XX/XX/XXXX, from Citibank and XXXX XXXX accounts be removed from the credit bureau reports but my request was denied.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2021, I sent CITI a letter informing them of their insufficient responses, lacking the necessary and required documentation to several billing errors I disputed on my credit card statement. Notice is attached. 

Citi failed to provide any of the necessary documents with the merchant responses or ask for further information requests. The letter failed to provide the detailed description card furnishers are required to provide or notification of, and, the merchant 's response. To date Citi has failed to supply many required documents per the cardmember agreement, Fair Credit Billing Practices Act, and the VISA dispute resolution process. By denying this claim without completing and complying with your contractual and legal obligations, CITI is committing multiple violations. The remedy for these violations is CITIs inability to collect on this debt. 

The charges in question are : XXXX REVERSE XXXX XXXX XXXX XXXX {$120.00} XXXX REVERSE XXXX XXXX XXXX XXXX {$330.00} XXXX REVERSE XXXX XXXX XXXX {$490.00} XXXX REVERSE XXXX XXXX XXXX {$290.00}
Complaint sub-issue: No notice of investigation status/result

Equifax continues to report inquiries not authorized by me and refuses to properly investigate with the sources as required by federal law.
Complaint sub-issue: Their investigation did not fix an error on your report

I have recently been informed that there is negative information reported by XXXX XXXX XXXX Reported : XXXX XXXX, 2019 {$220.00} in the file you maintain under my Social Security number. 
No contract exist ... Account was settled with creditor ( no valid claims ) I want it removed. False information is being reported. 
I challenge the accuracy, compliance and reportability of these listings. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. )  Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Complaint sub-issue: Old information reappears or never goes away

1 ) XXXX XXXX XXXX  Account XXXX Balance : {$1900.00} Most be deleted 2 ) .XXXX XXXX XXXX XXXX  Account XXXX Balance : {$9100.00} Most be deleted Equifax is reporting these companies listed above on my credit report for almost 10 years now. I do not know these companies nor have I ever had any businesses with these companies. These companies do not have any contract with my signature or proof that they have any account on file with my name on it. Equifax most Delete these accounts off my credit report because these accounts have been on my credit report for over 10 years. By law, credit bureaus are only allowed to list negative items for a certain amount of time. These accounts most be DELETED NOW.
Complaint sub-issue: Trouble using the card to spend money in a store or online

On XX/XX/2022 a Visa Debit gift card was purchased for me by XXXX XXXX at XXXX XXXX store on XXXX  in XXXX, CA. I received the card and activation receipt showing that it had been approved to be activated. I called the number on the card to activate it and was told it had a {$40.00} balance. I tried use it over the course of the next few days multiple times but was told there was an error. I called the number on the card XXXX and was left on hold for over 15 minutes and was then told I needed to set up an online account with a password which I did. It still didn't work. 
I went to XXXX grocery store where the card was purchased and XXXX called the main office and was told there was nothing XXXX would do and that I had to contact XXXX. I again called the number and was told that a new card would be sent to me and the balance of {$40.00} would be transferred to the new card. I received the new card and when I went to activate it there was a XXXX balance. I again called the number and asked for the {$40.00} to be transferred and was told the card original card had been used at a place I've never heard of. I asked to speak with a supervisor and was put on hold multiple times waiting for a supervisor named XXXX for a total of XXXX minutes and then was disconnected. I now have two Visa Debit gift cards that are totally useless and my friend who bought the first one for me as a birthday gift is out {$40.00}.
Complaint sub-issue: Account information incorrect

i notice some inquiries reporting from XXXX and equifax on XX/XX/2020, that i didn't authorized.I had no knowledge of the companies that pulled my report and i requested the CRAs to give me the name and contact information of all the companies that check my credit without my permission.i has attached copies o the letters below.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/2020 I sent letters requesting that the accuracy of the information on my credit report be investigated. After 30 days the information came back verified. Once information came back verified, Hunter Warfield   contacted me. I again questioned the validity of the information. Hunter Warfield sent me a contract with no letterhead, information missing although there was a dollar amount associated with it. I agree contacted Hunter Warfield upon which they sent the exact same incomplete  information. XX/XX/XXXX and XX/XX/XXXX Hunter Warfield sent out invalid documents to prove accurately that I own the debt among with an incomplete ledger. Recording of the agent agreeing the information is inaccurate
Complaint sub-issue: Don't agree with fees charged

I started my private student loan with XXXX bank and then I get a letter stating they are selling my loan to AES. I never signed any paper work with AES and now they want to raise my interest. I had to go through extensive work to obtain a loan with XXXX and now it can easily be passed over to AES? I need to have documentation stating that I 'm OK with that and need to have my signature on AES paperwork.
Complaint sub-issue: Problem getting your free annual credit report

How ridiculous- after sending me numerous reports they continue to send this diversion!
Complaint sub-issue: Keep getting calls about your loan

Daily harrassment done on and my family multiple times a day while I'm at work or driving home. They say they're " here to help '' but give me ridiculously unrealistic repayment options that I can't afford which continues this harassing call loop
Complaint sub-issue: Was not notified of investigation status or results

After sending information to verify myself with my disputes ( XX/XX/2019 & XX/XX/2019 ) by means of a Credit Repair Organization, Equifax has failed to respond. They have violated the FCRA, it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX not mine XXXX/XXXX   XXXX not mine XXXX XXXX  XXXX {$270.00} not mine XXXX XXXX XXXX   XXXX {$360.00} not mine XXXX XXXX {$330.00} not mine
Complaint sub-issue: Information belongs to someone else

This company keeps trying to pin this debt on me! I keep disputing this debt every 3 months!! I call, they investigate and it gets removed from my credit report after they determine this is not my debt and then it comes right back on my credit report. Please make this stop!! I do not owe this company anything!!
Complaint sub-issue: Didn't receive enough information to verify debt

Hi, last month I sent the company IQ Data International I debt validation letter. The only thing they've honored was that I asked them to no longer call me. other than that the company has yet to verify my debt and refuses to keep it off my credit report.
Complaint sub-issue: Reporting company used your report improperly

Im accordance with the fair credit reporting act XXXXXXXX XXXX XXXX XXXX has violated my rights.

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 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.
Complaint sub-issue: Information belongs to someone else

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME : XXXX XXXX XXXX  XXXX. 
OPENED : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX 
OPENED : XX/XX/XXXX XXXX. XXXX THEFOLLOWING INQUIRIES WERE ALSO FRAUDULENTLY OPENED IN MY NAME : XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX Account XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.15 U.S.C 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.
Complaint sub-issue: Account information incorrect

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification  of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts
Complaint sub-issue: Personal information incorrect

I needed to have my account up dated. I have never lived at XXXX XXXX XXXX, XXXX, OH XXXX This addresss is showing on my credit report and it is not my address. I have not lived at this address either XXXX XXXX XXXX, XXXX, OH XXXX My current and only address is XXXX XXXX XXXX XXXX XXXX, OH XXXX My employer is XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. my name is XXXX XXXX XXXX please remove any other variations of my name.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to correct these suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against you. This was already included in my prior complaint and I'm including it again. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Number : XXXX
Complaint sub-issue: Account information incorrect

Equifax and XXXX should not be reporting that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus as well as XXXX XXXX to remove these lates however, I have not been successful.
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 XXXX 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 XXXX 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 XXXX XXXX  now.with no help.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have submitted many complaints to all credit Bureau to remove the following UNKNOWN/FRAUD inquiries with ZERO support and ASSISTANCE. They keep responding with the same automated response. These inquiries are HURTING my financial situation and must be deleted from all 3 Bureau 's ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE ALSO SENT MULTIPLE REQUESTS TO DELETE INNACURATE REPORTS WITH NO RESPONSE. All these accounts show INNACURATE info and must be deleted according to my FCRA RIGHTS. THESE ACCOUNTS MUST BE DELETED IMMEDIATELY! 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE PLEASE DELETE AND REMOVE IT FROM MY REPORT XXXX. XXXX XXXX ( XXXX XXXX ) NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE HIPAA VIOLATION PLEASE DELETE AND REMOVE IT FROM MY REPORT XXXX. XXXX XXXX ( XXXX XXXX ) NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE HIPAA VIOLATION PLEASE DELETE AND REMOVE IT FROM MY REPORT XXXX. XXXX  XXXX XXXX ( XXXX XXXX ) NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE HIPAA VIOLATION PLEASE DELETE AND REMOVE IT FROM MY REPORT XXXX. XXXX XXXX  ( XXXX XXXX ) NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE HIPAA VIOLATION PLEASE DELETE AND REMOVE IT FROM MY REPORT 7. XXXX - CARD SERVICES ( XXXX XXXX ) NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE HIPAA VIOLATION PLEASE DELETE AND REMOVE IT FROM MY REPORT XXXX. ( XXXX XXXX XXXX  XXXX XXXX XXXX NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE PLEASE DELETE AND REMOVE IT FROM MY REPORT
Complaint sub-issue: Their investigation did not fix an error on your report

I have a charge off that keeps reporting different amounts to each of the credit companies the account name if XXXX. I have disputed this account multiple times and nothing seems to be getting resolved and different amounts are still being reported on my credit file.
Complaint sub-issue: Their investigation did not fix an error on your report

Re : U.S. Bank XXXX Acct XXXX XXXX Dear Sir/Maam, I recently used a check provided by your bank to Integrity XXXX in the amount of {$15000.00}, since the check noted that was the limit for use. Not having any idea that I had gone over any limit, as soon as I got home, I immediately sent in a payment in the amount of {$500.00} as I customarily do as opposed to waiting for my first bill to come in the mail to make my first payment. 

In the spirit of being a good customer and taking proactive action towards my debts, two days later I receive a notice from my credit monitoring agency that your bank has notified them that I was over the limit on my account and that this information generated a XXXX  point drop in my credit score. 

U.S. Bank did not call me or take any type of action to allow me to remedy this situation and neither waited five days for my payment to reach them ( which would have easily resolved the situation ) nor wait for me to receive the first billing cycle to find out this information so that I could take corrective action. 

I have been a good client of U.S. Bank for quite sometime and was honestly surprised to see U.S. Bank react in such a manner towards my account. At this time I am requesting that U.S. Bank remove this information from any and all credit reporting agencies and to restore and reflect my rightful credit worthiness with these reporting agencies. If I may be of further assistance please feel free to contact me through the information provided. 


Sincerely, XXXX XXXX
Complaint sub-issue: Deposits and withdrawals

On XXXX2023 I deposited {$5700.00} in the form of 5 checks from the U.S department of treasury. The next day XXXX2023 Citi Bank with out warning put a block on my account due to " Potential Fraudulent Activity ''. They were no help at the branch and said there was nothing they could do and would take 48 hours to receive a decision if they will be lifting the block or closing my account. This is extremely troublesome as I have bills to pay and have a family emergency and have to get to Florida due to a sick grandparent. I cant pay for a flight, buy grocery 's, pay my bills. To top it all off I have direct deposits that will be going into this account next week as well. I need this account reopened ASAP. This can not wait. These check were from the Treasury department for God sake. Its not like it was a personal check! Please help! My next course of account will be a class action lawsuit against Citi Bank. I don't want to have to take it that far but am prepared to do so. They have got to be better about fraud protection. I understand keeping people protected but this is absolutely ridiculous as I was able to confirm my identity. Anything you can do to help would be much appreciated. Best regards,
Complaint sub-issue: Account information incorrect

I need some help, several times I have disputed with Equifax to remove some inaccurate information and update my current accounts, payments not being updated like XXXX and XXXX  and spot on, balances not being updated by Equifax. Equifax not only doesn't update they do not respond. Please help
Complaint sub-issue: Personal information incorrect

Just found out tonight that I have a social security variation on my XXXX credit file. I called XXXX and asked for the name of the creditor supplying the social security variation. They told me is was a debt collection company called XXXX XXXX XXXX. Id like to state I have the right to have correct and accurate information on all of my credit files. The social security number XXXX XXXX XXXX is using under my name puts me at risk for having my files mixed with this other person. They are blatantly ignoring the FCRA law. This social security number does not identity me on this account. I demand for XXXX XXXX XXXX to correctly update my personal identification number with all three credit bureaus or delete the account. The social security number XXXX XXXX XXXX  is using in connection with this account does not identify me. They are reporting another individuals social security number under my name with all the credit reporting bureaus.