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

Step 1 : What is this complaint about? 

XXXX XXXX has sent inaccurate tradeline information to XXXX about my credit card four times in XX/XX/XXXX.

I want the inaccurate tradeline information removed, and have contacted customer service at CITIBANK CBNA and XXXX to alert them that the information is inaccurate, and I want it removed.

Step 2 : What type of problem are you having? 

My credit report is continuously monitored by the XXXX XXXX  service by XXXX. I have received four emails in XX/XX/XXXX notifying me about changes to my credit report, made by XXXX XXXX. The changes to my tradeline that have been reported to me are inaccurate.

Step 3 : What happened? 

On XX/XX/2018 and XX/XX/2018, XXXX XXXX reported to XXXX that my account had been Affected by natural or declared disaster. 
This is wrong. I have not been affected by natural or declared disasters, and I did not make any such report, ever. I know of no natural or declared disasters in my surrounding area. 
On XX/XX/2018 and XX/XX/2018, XXXX XXXX reported to XXXX that Consumer disputes after resolution. 
This is wrong. I did not make any consumer dispute on my XXXX XXXX account in XX/XX/XXXX or XX/XX/2018 at all. I paid my accounts on time in each case, without making any kind of dispute. 

Step 4 : What company is this complaint about?

This complaint is about XXXX XXXX customer service and XXXX  XXXX XXXX Customer Care. 
I contacted the XXXX XXXX Customer Care Team at XXXX on XX/XX/2018 to report the inaccurate tradeline update made to my credit report by XXXX XXXX. XXXX    TrustedID Premier Customer Care Team told me there was nothing they could do, and I should call XXXX   XXXX. 
I called XXXX  XXXX  customer service ( XXXX ) on XX/XX/2018, and described the problem to them. They said they would clear up the inaccurate information and remove it from my credit report. 
On XX/XX/2018 I received a letter from XXXX XXXX saying they corrected the issue. However, they did not. The inaccurate information has remained on my credit report, and they have added more incorrect information each month of XX/XX/XXXX. 
In addition, the correction CITIBANK CBNA claimed to have put in place was in itself inaccurate. They said my account was no longer in dispute. That was not trueit was never in dispute in the first place. 
When I received information about more inaccurate updated tradeline reports being made to my credit report by CITIBANK CBNA, I called their customer service line again on XX/XX/2018 to complain about the inaccurate information they keep reporting to XXXX. 
Once again, CITIBANK CBNA did nothing to correct the situation. 

Step 5 : Who are the people involved? 

The people involved are myself and the customer service representatives at CITIBANK CBNA and XXXX XXXX XXXX Customer Care.
Complaint sub-issue: Debt was result of identity theft

I had problems with identity theft a few months ago, this account is being reported to my credit report they claim that it is mine but it is not the result of uses of my documents via fraud I need help to solve this problem because it affects my credit. 



Name company : XXXX XXXX FKA XXXX Account number : # XXXX
Complaint sub-issue: Was not notified of investigation status or results

On about the dates of XXXX-XXXX through XX/XX/XXXX I went online to Equifaxs online dispute platform to file a dispute of accounts that are listed and should not be there.Today is XXXX-XXXX and They have not provided me with the results of the investigation. This is a complete violation of the FCRA. Please investigate this
Complaint sub-issue: Their investigation did not fix an error on your report

The long and the short is XXXX XXXX reported a car that I had as a charge off ( bad debt ) the car in fact was totaled by the insurance company and was paid off in XX/XX/2017. The credit bureaus did an investigation and still list it as a bad debt based in the information from XXXX XXXX. XXXX XXXX says they can not help the misinformation since they know the car was paid in full and say its a credit bureau issue. I had the credit bureau do an investigation and XXXX XXXX still reported as a bad debt, as of two days ago.
Complaint sub-issue: Account status incorrect

XXXX XXXX has the count as 120 days late on XXXX, XXXX but it's showing as 150 days late on XXXX. Also on both XXXX and XXXX   the payment status shows paid but on XXXX it shows derogatory. Nothing about the account is right. I have sent them several letters and nothing has be done. They haven't even sent me a letter explaining why they reporting it like that on my report.
Complaint sub-issue: Account status incorrect

I have a loan with XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and XXXX/XXXX  with no successful resolution. XXXX, XXXX, and XXXX  reporting me having late payments. There was an error on their part. I was never late.
Complaint sub-issue: Didn't receive services that were advertised

Equifax mishandled my credit information, which puts me and millions of other people at risk. Currently, I am listed as a potential victim according to their XXXX website, and would like a resolution.
Complaint sub-issue: Was not notified of investigation status or results

Equifax Credit Information Services , Inc. continues to stall with regard to credit investigation. They asked that I confirm my identity almost a month ago. I sent in documents requested, and I get another letter requesting the same information. This is some type of stall tactic that this company is utilizing. But, I don't understand why when the law clearly states I have a right to request investigation of my [ personal credit ] report. Can someone please reach out to Equifax and ask them why they are refusing to check reports for errors?
Complaint sub-issue: Information belongs to someone else

I have asked the credit bureaus to remove these accounts that do not belong to me. I have asked for documents to show that these accounts belong to me and I have not received them. I was not notified 5 days prior to these accounts being placed on my credit report. According to the FCRA and FTC, I am supposed to receive a letter about these accounts and I have not received any notifications about the accounts listed below XXXX  XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

my name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX social XXXX date of birth XX/XX/1959. equifax confirmation XXXX my complaint is that equifax office of consumer affairs that handles my credit file, i told them several times that the XXXX XXXX XXXX XXXX account XXXX is not mine it a fraud account with balance of XXXX that account supposed to been remove due to fraud. and also all the hard credit inquires that were not mine do to fraud. please talk to equifax to have the XXXX account XXXX remove from my credit file alng with all hard inquires do to fraud
Complaint sub-issue: Company closed your account

I visited a branch in XXXX regarding my DC Citibank account to reconcile the account which was overdrawn by {$19.00}. I was told that the account was closed, then received an email attempting to collect {$52.00} for an account that I was prevented from reconciling due to Citibank 's procedures. 

This is predatory and discriminatory. As a person with XXXX currently in litigation, this is not what I expected.
Complaint sub-issue: Other problem getting your report or credit score

My current fico score is NOT accurate. I have paid all my credit cards to below 70 % of balances and these balances have not changed on the credit report nor has my credit score. Historically, I should be in high 600s. This past summer I was at XXXX. I have no late payments.
Complaint sub-issue: Trouble with how payments are being handled

In addition to the issue that I named in my last complaint, Fed Loan Servicing has failed to list my most recent approved employment ( a certification form which it received on XX/XX/XXXX. ) I have attached the inaccurate qualifying payment count letter I received on XX/XX/XXXX, the letter on XX/XX/XXXX indicating receipt of my certification form, as well as a copy of the certification form ( please note the copy I attached does not have my signature but the one I mailed and that was received by Fed Loan Servicing does ).

To update my qualifying payments to the correct and accurate number of over 90, including updating my approved employment time for the job in question/ certification form from XX/XX/XXXX to XX/XX/XXXX.
Complaint sub-issue: Debt was paid

This company stated that if I made a payment of {$4000.00} by XX/XX/XXXX that upon receipt of the payment for a vehicle that a company that XXXX XXXX XXXX repossessed wrongfully when I was on military orders to move from XXXX  to XXXX  XXXX  to to report on XX/XX/XXXX. XXXX XXXX XXXX repossessed the vehicle on a day before my military payday and falsely stated the payments were XXXX days late though it was only about 30 days late which would have been cured with my initial paycheck after Permanent Change of Station to the the military base. This new company Flagship Credit Acceptance LLC apparently acquired XXXX XXXX through some sort of sell off or company 's bankruptcy, that they would consider my account settled and that I would be released from any further obligations. They also stated on this letter to my lawyer on my behalf that they, the company Flagship Credit Acceptance LLC, will report the account as settled in full for less than the full balance to credit reporting agencies to which it furnishes account information. This letter to my attorney was dated on XX/XX/XXXX. On XX/XX/XXXX I paid in full the balance of {$4000.00} by the money gram for which the company acknowledged. The initial balance for which I was settling in full for less than full balance was {$9900.00}. On XX/XX/XXXX I received notification from the credit reporting agencies that on XX/XX/XXXX that Flagship Acceptance LLC reported that I still owe a Balance of {$5900.00}, and that there is a Past Due Balance of {$5900.00}, and that the account status is " Charge off/Unpaid collection '' instead of " settled in full for less than full balance ''
Complaint sub-issue: Their investigation did not fix an error on your report

A couple of months ago. I contacted Mountain states collections company and I paid the bill in full for my XXXX XXXX XXXX XXXX Account. I have contacted XXXX 2 times and they have stated that the information is valid and that the account has been unpaid and they continue to document this inaccurate information. I have sent documentation of the status of the account being paid off. Please help me fix getting this removed.
Complaint sub-issue: Account information incorrect

To Whom it may concern My name is XXXX XXXX, and I am writing to thank you for working with me during a time of hardship which occurred while I held a credit card with your company. 

I have XXXX son who is XXXX, and another who is XXXX. For a period, our family struggled to balance mounting costs associated with my sons ' conditions. In addition, my wife had to drop from working full time to part time in order to provide additional support for them. Our family made several difficult decisions which included selling our home, and moving out of state so I could accept a job with a higher salary in order to be able to pay for and provide them with the services which they require. 

The period of XXXX was a humbling time in particular as I watched my expenses rise to a level where I had difficulty making all of my payments for my obligations on time. Until then, I had never missed a payment on a credit obligation in my life, including during the 10 previous years in which I held this card. It was during this difficult period that PNC Credit Card Services charged-off my account. 

I am happy to report that over the last 3+ years, our financial situation has stabilized. I have not missed a payment on any open account. I have diligently worked to resolve any outstanding debts as well. 

Recently, the home which we had been renting was unexpectedly sold, and we are now forced to quickly find a new residence. As stability is vital for children with special needs, we are attempting to buy our next home. However, it has come to my attention that the late payments and charge-off from this PNC Credit Card account has lowered my credit score to a level which makes it impossible for us to obtain a mortgage. 

Therefore, I am humbly requesting that PNC remove this account from my credit report, or report " no data ''. I ask for this gesture of goodwill based upon our family 's circumstances. Further, I stress that I take my financial obligations seriously. This can be seen by the fact that I have resolved all outstanding financial matters which I incurred during those years. 

PNC has an outstanding reputation of caring for its customers, and doing the right thing. I humbly ask that you consider my request which would greatly help our family. I am just a father doing his best to provide for his children, XXXXXXXX XXXX which require care beyond that of a typical peer. I am happy to further answer any questions you may have and provide additional documentation if needed. 

Thank you for your time and consideration XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

This is my fifth try to inform you that I am a victim of identity theft and I complain to question particular item in my document discovered because of some inattention. The record I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authority. Assuming no one cares either way, impede the noteworthy of any information in my credit file that appeared due to alleged fraud : XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA 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: Not given enough info to verify debt

The only acct I have ever had with XXXX XXXX XXXX was established and closed in XXXX. I have since worked for XXXX XXXX XXXX 2 years and paid this debt to a company called XXXX back in XXXX. Why am I being contacted regarding a debt that is XXXX XXXX XXXX and is paid. I have contacted the company through a dispute and adv them to send me a letter of validation from this acct and the only resp I got was from the credit bureau adv. that it was deemed mine. Is this a different account we are speaking of? I want paperwork regarding the service provided and address.
Complaint sub-issue: Was not notified of investigation status or results

I have reached out to the bureaus on XX/XX/2020 and I haven't received any type of indication/notification of the investigation being worked on. I feel like i'm being taken advantage of at this point. According to the FCRA these inaccurate unverifiable items must be deleted immediately. It's been well over 30 days I just want these problems resolved.
Complaint sub-issue: Their investigation did not fix an error on your report

There were fraudulent inquiries reporting on my file that I DID NOT authorize. I'm not familiar with the companies, nor did I ever EVER give them written or verbal consent to pull my credit report. 

Also, I've spent over an hour on the phone with this Credit Reporting Agency ( EQUIFAX ) trying to resolve this issue. I was instructed by members of Equifax that I needed to fill out the required FTC report and send in a cover letter and an additional letter with my Social Security Card and License as verification of my identity. I've sent all of the documents required of me and still have not seen any true or valid action taken addressing the fraud. Nor have I been contacted by the company in that span of time, despite them coming to a seemingly adverse result. 

In calling them to verify they received my mail, which I sent certified, they claim they have verified these fraudulent inquiries. 

HOW CAN YOU VERIFY FRAUD!? 

As a consumer I am very upset that this credit reporting agency is blatantly disregarding my claim, and acting unethically and adversely in my situation.
Complaint sub-issue: Didn't receive advertised or promotional terms

On XX/XX/19 I responded to an online Citibank promotion to earn XXXX miles on XXXX XXXX after spending at least {$3000.00} within 3 months. I spent over {$13000.00} in the first month and paid it in full. When I didn't receive my miles I contacted Citibank on XX/XX/19. They informed me that I wasn't eligible to receive the bonus miles due to having had a Citibank card within the past 2 years. I informed them at NO time was I informed that I was not eligible to receive the bonus miles. When I received my credit card there was NO mention that I was not eligible to receive the bonus miles. They gave me another number to call ( XXXX ) to resolve the problem. I called and spoke to XXXX today, XX/XX/19, and she refused to give me the miles. 

My statement to her was that if they are able to determine I'm now not eligible to receive the miles they should have been able to determine this when I was submitting my application. This is very misleading on their part. If I had known about their bait and switch I would have gone with another company. 

Regards.
Complaint sub-issue: Debt was result of identity theft

I received several emails ( on XX/XX/22 ) from XXXX XXXX XXXX stating I am late with my payment. I physically went into our local XXXX  XXXX XXXX and let them know I do not have an account with XXXX  XXXX XXXX. Now I have received a letter from a collection agency ( on XX/XX/22 ) stating that I owe {$15000.00} I reached out to them and told them that was not me. I would not give them my social, but I explained that whoever is doing this has my address, email, and spelling of my name, fortunately, the middle initial is wrong. I reached out to XXXX XXXX XXXX, who can only give me limited information while I filed the fraud case with them. 
Please help me resolve this.
Complaint sub-issue: Account status incorrect

Dear Sir, My dispute claim was turned down on the reason that the Company certified that the Payment report to be true. I sent a second dispute request proving that the data is FALSE! 
Here is my 3rd dispute and, if not accepted, I'll see them in court. 

Payment history guide 60 days past due as of XXXX XXXX 30 days past due as of XX/XX/XXXX 1. XX/XX/XXXX report shows the balance at {$28000.00}. 
2. XX/XX/XXXX report shows that the full amount of {$28000.00} was paid. 
3. XXXX, XXXX, XX/XX/XXXX reports show {$0.00} paid and yet the payment history show no late payment status. 
4. XXXX and XXXX history are the SAME and yet they show 30 and 60days late!! 
These are the FALSE statements. 
5. In XXXX, I received a notice that they received full payment. 

Balance history XXXX XXXX {$5000.00} Balance {$670.00} Schedule payment {$0.00} Paid on XX/XX/XXXX XX/XX/XXXX {$5000.00} Balance {$670.00} Schedule payment {$0.00} Paid on XX/XX/XXXX XX/XX/XXXX {$5000.00} Balance {$670.00} Schedule payment {$0.00} Paid on XX/XX/XXXX XX/XX/XXXX {$5000.00} Balance {$670.00} Schedule payment {$0.00} Paid on XX/XX/XXXX XX/XX/XXXX {$5000.00} Balance {$670.00} Schedule payment {$28000.00} Paid on XX/XX/XXXX XX/XX/XXXX {$28000.00} Balance {$0.00} Schedule payment {$0.00} Paid The original amount of this account was {$28000.00} Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX FL XXXX XXXX, CA XXXX Your statement NEVER LATE, ACCOUNT WAS PAID AS AGREED. 



Please take immediate action and correct my status. 

Thanks, XXXX XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I applied for an apartment, and I was asked for my employer to complete an employment verification. My employer completed it and submitted the application for processing. However, my application was denied based on a report from the service work number. According to XXXX ( the property management company ) stated that I am not entitled to the report. Although, it's a consumer product that generated a report, and there was an adverse action. 

On XX/XX/2021, I proceeded to try to obtain the report through Equifax Work number 's website at https : //theworknumber.com/solutions/consumers/employment-data-report. The service is fully automated. It is impossible to pay for the report unless you are a business subscribing to their service. If your employer is subscribed to the service, they have to provide you with information to enter their portal employer participates in the service. I work for a small family-owned business, and they are not participants in this service. 

I later downloaded their form and emailed the completed form to the address on their website with a copy of my license and paystub ( XX/XX/2021 ). I have not received a response. I want to know why the work numbers website is not accessible if they provide my financial information and taxes and have no access to it. 

I would like to have some assistance with this time-sensitive matter because the decision is based on erroneous information. I would like to have an opportunity to see the report and dispute any inaccurate information.
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 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 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 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 

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. 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: Information belongs to someone else

I mailed the first set of letters to the bureaus stating the accounts were not mine and submitted proofs stating as such. The letters were sent via certified mail and tracking history showed them being delivered on XX/XX/2020. After no response for over 30 days, I sent subsequent letters which were delivered on XX/XX/2020. I still received no response and sent more letters that were delivered on XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. I realize due to the global pandemic the system is slow but for a 30 day time limited investigation to take over 200 days days and still no results to be mailed to me nor show on the credit report is just plain disregard for my rights and the federal law under the FCRA. This is my last option before I take this case through the legal system.