Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

Core Logic continues to provide false and misleading verification to credit agencies XXXX, XXXX XXXX XXXX even after suspending the right to share reporting. In accordance with Fair Credit Reporting Act, Core Logic has Violated my rights to share records without my permission. Delete Public Record Bankruptcy XXXX XXXX. In accordance with the Fair credit reporting act, XXXX Violated my rights 15 U.S.C 1681 Section 602A. States I have the Right to privacy. 15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not Furnish an account without my written instructions. In accordance with Fair Credit Reporting Act, XXXX XXXX XXXX Account XXXX XXXX has violated my rights. - Please delete this account based on inaccuracy & because, In accordance with the Fair credit reporting act, XXXX XXXX Violated my rights 15 U.S.C 1681 Section 602A. States I have the Right to privacy. 15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not Furnish an account without my written instructions. In accordance with Fair Credit Reporting Act, XXXX XXXXXXXX XXXX # XXXX has Violated my rights. Please Delete XXXX XXXXXXXX XXXX Account from my credit profile. In accordance with the Fair credit reporting act, Company Violated my rights 15 U.S.C 1681 Section 602A. States I have the Right to privacy. 15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not Furnish an account without my written instructions.
Complaint sub-issue: Information belongs to someone else

This is not mine - I have never done business with this company.
Complaint sub-issue: Debt was paid

This account was paid and supposed to be deleted from the credit reporting agencies and has not been updated as of yet. It is very important that this be updated as soon as possible as I am in the process of buying a home and this is affecting my rate. I have correspondence from GSI stating that this will be deleted from XXXX. Thank You!
Complaint sub-issue: Information belongs to someone else

On XX/XX/2018, I had simultaneous unauthorized charges on three credit cards, and CITIBANK card was among them. Two banks set the red flags right away and blocked the transactions after getting my " No pay '' responses. CITIBANK ignored the fraud, so I was made aware of the fraud on around XX/XX/XXXX from the bank statement I got. I immediately called the CITIBANK Security department and notified them about the unrecognized transaction of {$4500.00} to some XXXX XXXX restaurant in XXXX. A thorough exploring of my credit report showed that CITIBANK knew about the fraud since they made an inquiry with XXXX on XX/XX/2018, a few days before I got the statement. So, the bank did not notify me of the suspicious activity on my account but started botching my credit score. Also, the CITIBANK initially credited my account with the above-mentioned amount on XX/XX/XXXX but reversed it the next day. In my chat session, the agent XXXX stated that this unauthorized transaction was NOT my responsibility ( I have a transcript ) but the bank further pursuit the idea that the credit card embedded chip was activated but have not submitted any evidence of this like a copy of the receipt and the alleged restaurant address. CITIBANK has spoiled my credit score due to improper operation of their Security department. 
Beside that CITIBANK stated that the problem has been resolved, which is not so, and thus mystified the Federal Trade Commission, which informed me on that.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX, I mailed Equifax and XXXX   disputes regarding a XXXX XXXX account that was reporting inaccurately on my files. I disputed the payment history and date of first delinquency because Equifax showed I first became 30 days late in XX/XX/XXXX, but XXXX  showed I first became 30 days late in XX/XX/XXXX. Equifax also showed the date of first delinquency as XX/XX/XXXX, which contradicted the payment history. How could the same late payment occur during 2 separate months of the year? On XX/XX/XXXX, Equifax responded to my dispute saying XXXX XXXX verified that the information I disputed was accurate. The date of first delinquency was listed as XX/XX/XXXX in their response and the payment history was missing entirely. The account was not compliant with the FCRA before my dispute and it is also non-compliant after my dispute. Equifax did not fix the error and the account is now entirely incomplete. If Equifax actually investigated the account, the errors and omissions would not remain. To further demonstrate this information, I also received a response from XXXX on XX/XX/XXXX. In their response to my dispute, they said XXXX XXXX verified to them that the date the account first became late was XXXX of XXXX. How can XXXX verify two different dates as accurate for the same late payment? How can this same late payment be reported as occurring in XX/XX/XXXX on Equifax and XX/XX/XXXX on XXXX? After my disputes, both bureaus claim they did their own investigation and that XXXX XXXX has verified to them that the information is accurate, but the inaccuracies still remain on both credit reports.
Complaint sub-issue: Can't close your account

Fraudulent charges were placed with My BestBuy credit card ending in XXXX. This is the second consecutive month fraudulent charges were placed on card. The card has a XXXX  balance. 

Called company last month, reported incident, requested account closure and requested that no replacement card be mailed. I received replacement card, called BestBuy and they now claim their systems are down. I have had two disconnected calls. 

I have the card in my possession and have never activated card. What prompted this was an email I received from BestBuy/Citi stating my payment was due alert. I want the account closed and all charges waived. The charges are for {$140.00} due on XX/XX/20. 

I am a XXXX citizen and can not resolve this on-going problem. Please help me!
Complaint sub-issue: Account status incorrect

I paid cash to a us bank teller Saturday XX/XX/XXXX but received a printout saying XX/XX/XXXX even though it was for a credit card due XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I have contacted  XXXX   XXXX  wit h two lett ers, which first was mailed  XXXX   XXXX ,  2017  and second one on  XXXX   XXXX ,    2017 requesting Identity Theft Block in accordance with Section 605B of the FCRA and they clearly are refusing to block all the information I sent them by mail twice, with USPS Certified Mail with Return Receipt. They sent me a letter stating the declined due to eith er : a ) Been made in error, b ) is a misrepresentation of material fact relevant to the request to block. I have no idea what they mean in ( b ), but this definitely is not an error. I am a victim of identity theft and do n't understand what this is about. I want these block with accordance to Section  605B  of the FCRA.    XXXX   XXXX  is clearly violating my FCRA rights. I am uploading both letters I mailed them and the return receipts.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. To have to deal with this with little to no guidance while I am on the road fleeing from a historically massive hurricane is absolutely ridiculous and to know that millions of others potentially have the same issue is absurd. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.
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, republic finance : # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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. 1681sXXXX ( A ) ( XXXX ) 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: Credit inquiries on your report that you don't recognize

Please remove the following fraudulent inquires from my Equifax credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX sent a notification saying my credit score changed. When checking the credit score, it stated on XX/XX/2019 I had two hard inquires from XXXX XXXX and XXXX XXXX XXXX XXXX . The issue is that I have a cell phone however I am not the primary on that account, so requesting an inquiry for two different companies does not make sense. Please advise on how to handle this situation. 

Thank you XXXX
Complaint sub-issue: Information belongs to someone else

There are a few accounts on my report I do not Recognize
Complaint sub-issue: Other problem

Overpayment of {$14000.00} dollars made to Citi Card on XXXX, 2022. We immediately called and they said they would issue a check. We never received check. I have called every two days to see when our money would be transferred back to our checking account. They took router and checking account number 3 times. I have been told repeatedly that this needs to be approved even though it has been approved several times. 
I contacted XXXX XXXX, XXXX  of Citi. No response from her. When I called to check about refund again they said executive is handling and will be in touch. After 4 days of no calls I contacted Citi again. I had to go through the ranks to get to executive dept. i was told it is being held up for approval. They said that I will have an answer no later than XX/XX/2022. This has gone on for to long. 
I am always promised a return phone call and it never happens. Spoke with XXXX today and she said she will be back in touch by no later than XXXX. I really do not expect a phone call back since no one has wver returned my call except XXXX who said the money would be in our account in three to five days. Needless to say no money put back in our account. 
I even contacted Chairman of the Board XXXX XXXX by email today.
Complaint sub-issue: Information belongs to someone else

I have been a victim of fraudulent activity on my credit. I have a FTC REPORT NUMBER XXXX. For two accounts. XXXX XXXX ACCOUNT # XXXX and XXXX Account # XXXX. Both accounts have been removed and or block by other CRAs. But your company Equifax has lied and stated account verified. How dare your CRA breaks the law and not block these accounts immediately. All Fraud must be remove that is the federal government law. No if and or buts about it. But its not a surprise your company is openly breaking the law. This is the same agency that leaked millions of Americans information. If your CRA does not block these accounts immediately I will be filing legal action against your company immediately.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

My Citi credit card account was closed XX/XX/XXXX with an ending balance of {$730.00}. My credit limit was XXXX. Upon receiving my next billing statement after the account was closed, I noticed the amount due jumped hundreds of dollars of the previous balance. 

The last time I used the card was on XX/XX/XXXX which placed me right at my XXXX credit limit. The account was closed end of XXXX ending with a {$730.00} balance for my XXXX billing cycle. I had a payment that was supposed to have processed for the amount of {$270.00}, which unfortunately declined. 

I was then charged a returned check fee, as well an additional {$270.00} in error that shows up on my XXXX statement XXXX as a purchase, and on a closed account. 


I contacted Citi several times about the issue, XXXX XXXX I spoke with someone over the phone that stated she and her manager would place a dispute on the account for the error and to allow 4-5 business days for the error to be removed from my account. 


Today is XX/XX/XXXX and I have been getting the worst customer service, the run around about the issue, transferred from department to department, Ive spent hours on hours for days at a time trying to get the issue resolved and no progress has been made. 

Each agent I speak with state how they arent able to assist me, then transfer me in circles, I have yet been able to speak with someone or provided with accurate information on how, and who to speak with directly about getting this issue resolved right away, all to be unsuccessful every time. 

I am being charged more interest than I should be on a much higher balance now, as well as its sitting and causing more damage to my credit report than I have already done for myself.
Complaint sub-issue: Problem with personal statement of dispute

I at no time whatsoever authorized the XX/XX/XXXX XXXX  inquiry. When I contacted XXXXXXXX XXXX XXXX  services to obtain a reference number for the inquiry, I was told there was none for the date of XX/XX/XXXX because no further inquiries had been submitted after XXXX of this year XXXX.
Complaint sub-issue: Account status incorrect

XXXX XXXX # XXXX is reporting a collection to my credit that should not be on there. I never received any kind of notice that this account was in collections. I only found out about it once I had my credit pulled and saw the account on there, and as soon as I found out I went and paid the account. This should not be on my credit report as it is in violation of my 30 day right to dispute and has already been paid.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$49000.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXXXXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$2600.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Complaint sub-issue: Deposits and withdrawals

I have previously attempted on a number of occasions to present my concerns to the CFPB for their own investigation and not the company involved that has violated their customer contract with me. Attached is a copy of my previous complaint below.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2018 I sent information into the 3 major credit bureaus letting them know that I was a victim of identity theft, I was expecting results according to the FCRA sec 605b concerning victims of the aforementioned, yet to no avail.
Complaint sub-issue: Problem lowering your monthly payments

My loan is with Fedloan. My first issue with them was when my monthly payment increased after 11 months, instead of 12 months. I called several times and spoke with customer service representatives. Finally, an alert representative realized the problem and I was given an administrative forbearance.
My current issue is that my new monthly IDR recalculation was approved to start XXXX/XXXX/17 for {$270.00} and I retired XXXX/XXXX/17. I called Fedloan to ask the procedure to obtain a new payment amount, since my monthly income significantly decreased from {$4100.00} to {$2800.00}.
I was instructed to complete another IDR and check the box for it to be completed immediately. On XXXX XXXX, 2017, I uploaded the completed form and income verification on the web site. The next day I called to make sure the documentation that was uploaded was sufficient. The representative checked the information and assured me that it was sufficient.
I called several times from XXXX XXXX, 2017 to XXXX XXXX, 2017, regarding the status of the request. I was told by representatives that the response time could be from 2 weeks to 1 month.
On XXXX XXXX 2017, I received a letter stating the request was denied for the following reason : unable to determine your current income because document you provided doesnt clearly indicate the frequency of your pay. I immediately called Fedloan to have the representative retrieve the documentation and let me know exactly what needed to be in the verification letter.
The representative pulled up information and stated that the letter clearly states in the first sentence that I am paid monthly. He notated the account and sent the documentation back to be reviewed again. ( I did not submit any additional documentation and received a letter on XXXX/XXXX/17, notifying me of the new payment of XXXX. ) The new payment was due to start XXXX/XXXX/17, instead of XXXX/XXXX/17. Since they did not complete the 2nd review until XXXX/XXXX/17, I was penalized for their mistake. They used the same documentation that was originally submitted to recalculate my new payment. I requested that an appeal be submitted, because I was being penalized for their error.
Also, I requested an administrative waiver for XXXX and XXXX, since the payments were more than I could afford. I was told that it was nothing they could do regarding the missed payments, because of the closeness of the recalculations.
Complaint sub-issue: Information belongs to someone else

I have reached out to Equifax numerous times over the past 2 years in regards to fraudulent accounts reporting on my credit with XXXX XXXX XXXX XXXX XXXX. The following accounts are not mine : XXXX {$8600.00} opened XX/XX/XXXX XXXX {$1300.00} opened XX/XX/XXXX I have reached out to XXXX XXXX XXXX XXXX and reported the fraudulent accounts also. Equifax removed these accounts from my credit XX/XX/XXXX and now they are back on my credit. These are fraudulent accounts that I never opened with this bank and Equifax states they are investigating this information however it keeps appearing on my credit. I am attaching my police report as well as fraud affidavit and letters that I have sent to Equifax. This needs to be corrected immediately or I will have to take legal action against Equifax for not following the law in regards to fraud victims. Please assist me with this matter.
Complaint sub-issue: Old information reappears or never goes away

I received a chilly of my credit report because of some issues I disputed and today I got an alert showing that old addressees were out back on my report.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX Reported : XX/XX/XXXX {$1200.00} XX/XX/XXXX Reported : XX/XX/2019 {$79.00} There are no contracts, no valid claims ... accounts were settled original with creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.

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.
Complaint sub-issue: Debt is not yours

Bay area credit servic has an account on my credit that is not mine/inaccurate.
Complaint sub-issue: Reinserted previously deleted info

the credit bureau reinserted previously deleted information from XXXX and XXXX financial back on my credit file.
Complaint sub-issue: Problem with paying off the loan

US Bank refuses to acknowledge and pay off my car loan. My loan for a vehicle through US Bank has been paid off by my insurance company 4 times. Every time we call them they say they have no record of the check, they lost the check, or mailed the check back to the insurance company ( the wrong insurance company, XXXX when I have XXXX ) because they couldn't tie it to my account. However, if they couldn't tie it to my account how do they know they sent the check back to my insurance company. Below is a history of payments made to US Bank by XXXX XXXX. All payments have been overnighted and signed for and all of them have disapeared or they don't understand what to do with them. The last payment was overnighted on XXXX. This is the 5th payment to US Bank. US Bank says they have no record of this payment and still are not showing it paid off and charging me interest. I need help getting US Bank to say they received the payment, pay off the loan, mail the overage in payment and the title immediately. This has been going on since XXXX and we can not get US Bank to pay off my loan and complete the pay off procedures. Please help! Thank you! 



XXXX, BlaineXXXX XXXX XXXX XXXX  Invoice Number : XXXX Payment # : XXXXFinal Payment {$7100.00} XXXX, BlaineXXXXXXXX  XXXX  Invoice Number : XXXX Stop Reason : Other Payment # : XXXX Payment ( {$7100.00} ) XXXX, BlaineXXXX XXXXXXXX Invoice Number : XXXX Payment # : XXXXPartial Payment {$15000.00} XXXX, BlaineXXXX XXXX Invoice Number : XXXX Stop Reason : Other Payment # : XXXXStop Payment ( {$15000.00} ) XXXXXXXX , BlaineXXXX XXXX Invoice Number : XXXX Payment # : XXXXFinal Payment {$1100.00} XXXX, BlaineCXXXX XXXX  Invoice Number : XXXX Payment # : XXXX Payment {$600.00} XXXX, BlaineXXXX XXXX  Invoice Number : XXXX Payment # : XXXXFinal Payment {$64.00} XXXX, BlaineXXXX XXXX Invoice Number : XXXX Payment # : XXXXFinal Payment {$15000.00} XXXX, BlaineXXXX XXXX Invoice Number : XXXX Payment # : XXXXSupplemental Payment {$15000.00} XXXX, BlaineXXXX XXXX  Invoice Number : XXXX Stop Reason : Other Payment # : XXXXXXXX XXXXent ( {$15000.00} ) Paid to Date XXXX {$17000.00} Collection Amounts
Complaint sub-issue: Information belongs to someone else

I am submitting this complaint as the 3 major credit reporting agencies have not returned an acceptable response to my identity theft report disputing items that have been fraudulently reported to my personal credit reports