Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Personal information incorrect

I am having issues with unrecognized addresses on my credit report I need removed. My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX OH XXXX. My DOB is XXXX my SS # XXXX. The following addresses are not known and need to be deleted asap : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX I have no ideal how these addresses became associated with me or my credit file!
Complaint sub-issue: Can't close your account

Ciitbank completed a compliance investigation that was required by law. According to the Citibank customer service department the investigation was completed satisfactory and the account blockage should be removed within 48 hours. However, the checking account was blocked since XX/XX/XXXX, and I have not being able to use the funds or withdraw the funds to close the account. 

On XX/XX/XXXX, I visited the Citibank Branch and met with Citibank XXXX XXXX XXXX XXXX XXXX ( XXXX ). I explained XXXX that the the compliance investigation started in XX/XX/XXXX and that I have provided all the documentation requested by the Citibank department. On my last conversation with the customer service department, they confirmed that the investigation was completed and that the removal should be process within 48 hours. XXXX reviewed my account and contacted several people over the phone and confirmed that the compliance investigation was completed satisfactory and that the blockage should be removed. However, He was not able to obtain a removal of the blockage of the account. 

Citibank is holding {$3200.00} fund in the account which i can not have access to even after requesting the closure of the account.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Over the past few years my identity has been compromised in over 36 security breaches from the following companies : Equifax in XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX and XXXX  XXXX XXXX  and their sub-company XXXX  XXXX. 

The following Hard inquiries on my credit are : not ones that I inquired about, I was not issued any lines of credit by these companies and It looks like fraudulent activity. This prevents me from obtaining good credit and looks like I desperately need lines of credit when I do not. 

XXXX  : XXXX- Finance Inquiry XX/XX/XXXX XXXX XXXX-Finane Inquiry XX/XX/XXXX XXXX-Finance Inquiry XX/XX/XXXX XXXX-Automotive Inquiry XX/XX/XXXX XXXX- Finance Inquiry XX/XX/XXXX XXXX XXXX-Bank XX/XX/XXXX XXXX XXXX-Finance Inquiry XX/XX/XXXX XXXX-Finance Inquiry XX/XX/XXXX XXXX XXXX-Bank Inquiry XX/XX/XXXX XXXX-scm Misc Inquiry XX/XX/XXXX
Complaint sub-issue: Investigation took more than 30 days

I, XXXX XXXX XXXX the consumer,, have new and updated information in regards of a previous complaint. Pursuant to 15 USC 1681, I have 30 days to a completion of a reinvestigation. XXXX, XXXX, Equifax have violated my rights by not responding within the 30 days nor have I received information of the procedure used to determine the accuracy of the reported information on my consumer report. I am submitting this complaint to ensure I have my rights protected to a proper investigation under 15 USC 1681i.
Complaint sub-issue: Public record information inaccurate

On XX/XX/20 I was talking to some XXXX XXXX XXXX representatives about switching my phone service from XXXX. They had to run a credit score check and gather other information in order to confirm that I  was eligible for their promotion that they were marketing. I was eligible and signed up for a new phone service with them, paid the taxes on the phone, and got an explanation of upcoming bills. I received the phone in the mail on XX/XX/20, but due to a busy work schedule was not able to contact the XXXX XXXX XXXX representative I was assigned until the evening of XX/XX/20 about how to activate my phone. He is a new representative, so he needed to meet with his supervisor the next day for support on activating my phone. On XX/XX/20 we had been texting about the phone activation and he let me know there were some issues, but that it wasn't a big deal, he just had to contact " the tower '' and figure some things out and would let me know when my phone was activated. On XX/XX/20 the representative and his supervisor called while on the phone with the activation people, so I could verify some information. The person on the phone then tells me that I owe a {$250.00} deposit ( this was not discussed previously in the breakdown of payments or bills ). Even the representative 's supervisor who says he has been doing this three and a half years, has never heard of such a thing - that if I was to pay a deposit, it would have come up when I was originally signing up, not after I had already received the phone. They said it was because of my credit score. The representative 's supervisor and the person on the other end both escalated the situated as they weren't sure what to do and told me I would hear from them the next day. I hopped online that day and checked my credit score, which was XXXX, which is about what I expected to see, so I couldn't understand how they thought it was low and required a deposit. I checked my mail today, XX/XX/20 and have a letter from XXXX XXXX XXXX regarding my credit score from SageStream , LLC. XXXX XXXX XXXX, XXXX XXXX, CA XXXX. XXXX www.sagestreamllc.com So, I read the letter and it stated that my credit score per SageStream was XXXX!!! I went online and found on XXXX XXXX and multiple other websites that many people with good credit scores and reports through reputable companies have then had VERY low credit scores with SageStream.  I am not sure if it is just SageStream that is doing harm, or if XXXX XXXX XXXX is aware that their scores will be low, therefore allowing them to force people to pay additional fees based off of a false credit score. I can not prove XXXX XXXX XXXX 's intent, but I can very much verify that SageStream is providing companies with false credit scores that are lower than what they actually are. I was going to go on the SageStream site today to dispute this matter, but it was asking for personal information, which at this point, I am not comfortable giving to this company that I believe to be scamming people and providing fraudulent information.
Complaint sub-issue: Information belongs to someone else

due to the immense impact of the notorious coronavirus some companies have accidently reported negative items on my report. i assure you i have been on time as i can and i should not be held responsible due to the pandemic.
Complaint sub-issue: Account status incorrect

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Reports : XXXX  XXXX XXXX //LATE close - Balance $ XXXX-Date Opened : XX/XX/2015
Complaint sub-issue: Their investigation did not fix an error on your report

Please review dispute attached. 

Equifax keeps saying that they have not received my letter
Complaint sub-issue: Transaction was not authorized

I purchased a XXXX Tool cart from this website using XXXX which withdrew the money from my Usbank checking acct {$93.00} was withdrawn on XX/XX/22. I never got an confirmation email from the website I purchased it from and I never recieved the item I purchased but I still had the website pulled up on my phone so tried contacting the website with no response on there end. So I looked on my XXXX to see where the money came out of and it came out as a transaction to a person XXXX XXXX which is not what I authorized I purchased a product. XXXX denied my claim after I provided them with the fraudulent website and referred me to my bank and said I should have buyer protection. I called Usbank was referred to XXXX XXXX XXXX I spoke with a lady who said she was going to send out paperwork for me to fill out and also informed me I only had XXXX days to submit the paperwork and that I could send my own note explaining what happened and faxed it. I called again several times I always got transferred to several different departments was told by a couple of people that my end was breaking up and they couldnt hear me so had to hang up and call back again to start the process all over again XXXX different times. I finally get a letter back from the bank stating that my claim was denied because it was determined that I authorized this transaction when I didnt. I thought I was purchasing a item from a sales website and the person set up the website to scam shoppers out of there money. I sent a link to the website I purchased from so the bank could see it is a fraudulent website and reimburse me the money I lost. Usbank is also making it very hard to talk to the correct person or department when I call to get this worked out. They advertise buyer protection but have not properly investigated my claim otherwise they would have ruled in my favor. XXXX was also quick to deny my claim saying I authorized it. I was scammed my money by a fraudulent website I did NOT authorize a payment to and individual it was supposed to be for the item on this website. I never knew websites like this existed. I do a lot of online and have only been scammed maybe XXXX other time but looked legitimate and than the person set up the payment as a friends and family payment to scam me out of my money and XXXX and Usbank are denying my claim.
Complaint sub-issue: Was not notified of investigation status or results

As of XX/XX/2022, I submitted letters to the credit bureaus in regards to some inaccuracies and unknown information being reported on my credit reports and as of today, XX/XX/2022 I have not received any correspondence from the credit bureaus about these accounts that are affecting my credit reports and scores. It is my understanding according to Section 611 ( a ), it is plainly stated that failure to do an investigation within 30 days this gives a reason to have the accounts immediately removed from my credit reports. 

I am demanding that these accounts be deleted immediately or I will file litigation due to the stress this has caused me. It also appears that my information has been impacted by the Equifax Data Breach and may have gotten into the wrong person 's access.
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

I am trying to temporarily lift a credit freeze on my Equifax credit report. I have tried the myEquifax website, the XXXX XXXX  XXXX site, and also the customer phone line. None of these avenues works. The website gives me the following error message, and a link that diverts you to the phone line : We are temporarily unable to retrieve the status of your security freeze. Please click " Manage a freeze '' for more details. 

The phone line will accept all your personal information and quiz you about your background, but once all is accepted, will tell you that it is unable to retrieve any of your information and that it is not working. I was able to unfreeze my credit from the other two agencies within 5 minutes, but am spending hours trying to get my credit unfrozen with Equifax.
Complaint sub-issue: Deposits and withdrawals

Opened an account with CITIBANK back in XXXX, the bank froze deposit and won't help. I get a different story each time i call. They have been sending me on a goose chase to all the other banks and it's sad. I just need my money that I deposited.
Complaint sub-issue: Their investigation did not fix an error on your report

Your company is XXXX me the XXXX off!! What the XXXX are your doing. Why did you take off XXXX XXXX for? No XXXX reason!!! Never told you to do this!!! Read my information. Now I am getting a lawyer and suing!!! Big time I have snap shots proving XXXX XXXX   was on my XXXX XXXX credit report. I asked Equifax and XXXX to add it to my reports its still not on here after 5 years. This matter had nothing do to this your company XXXX XXXX. Wow!! You people are XXXX. It was in good standing. XXXX XXXX now have XXXX me off for the last time. No reason for this XXXX!! Read what I tell you. Read my complaint. Put back my XXXX XXXX line of credit now!! I calling police making another police report and calling. Y lawyer see your XXXX in court!!!
Complaint sub-issue: Was not notified of investigation status or results

There are late payments in my account that were not updated. For almost a year now, i have been writing to the bureaus about this but i never received any reaction,
Complaint sub-issue: Information belongs to someone else

There are 9 accounts on my credit report reporting on three bureaus that do not belong to me. These accounts were opened fraudulently and I have not signed nor applied for this. 
XXXX XXXX  XXXX - Acct # XXXX XXXX {$20000.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX -Acct # XXXX Amt {$5200.00} Opened XX/XX/XXXX XXXXXXXX XXXX XXXX  Acct # XXXX Amt {$3500.00} Opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Acct # XXXX Amt {$5700.00} OpenedXX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX Acct # XXXX Amt {$5300.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Acct # XXXX Amt {$10000.00} Opened XX/XX/XXXX XXXXXXXX XXXX XXXX Acct # XXXX Amt {$6000.00} Opened XX/XX/XXXX XXXX XXXX XXXX Acct # XXXX Amt {$0.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX Amt {$20000.00} Opened XX/XX/XXXX
Complaint sub-issue: Account information incorrect

I submitted dispute to Equifax, XXXX, and XXXX  on XX/XX/XXXX and have never received a response.
Complaint sub-issue: Information belongs to someone else

Equifax sent responded saying they contacted XXXXXXXX XXXX and I contacted them requesting proof of my signature, advised them of my identity being stolen and they stated on XX/XX/2022, they didnt have any information and to contact someone else. They couldnt provide me I and they do not have an account that they are servicing in my name so it should be removed immediately!
Complaint sub-issue: Problem with personal statement of dispute

In regards to XXXX response. It is obvious the did not read my concerns & their only concern is about being right. If they took the to understand that I have had an issue with our bill pay & XXXX not receiving my payment in time. According to our payment we made in XXXX it was received by XXXX on XX/XX/29. XXXX is claiming they received on XX/XX/XXXX. Causing a late on my credit report. The same issue happened in XXXX. We made a partial payment and the final payment again on XX/XX/XXXX which would have been the remaining amount due. Once again, we did our payment via bill through XXXX. Once again, XXXX stated it was delivered, we waited & waited & the payment did not post to the account. We contacted XXXX & they said the error was theirs which we provided proof in our first complaint which fell on deaf ears because XXXX HAS TO BE RIGHT ALL OF THE TIME. The error wasn't ours. There was an issue with the bill pay. And I was reported late once again. I had been in communication with XXXX and exlained my situation several times. A customer service rep advised us to provide the paperwork from XXXX XXXX XXXX which I did in my first complaint. Which I know you didn't even bother to read. If you would have you would have seen the communication between XXXX and myself. I am respectfully asking you take a moment to see the error was with XXXX - and I shouldn't be penalized for their misktake. I am asking for a Manager to review the information previously provided & for someone at XXXX to care about their customers. The service I have been receiving is horrible and I am beginning to feel as I am being discriminated against.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX  and XXXX  are reporting incorrectly 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 XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Complaint sub-issue: Reporting company used your report improperly

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act USDOE/XXXX  XXXX, XXXX XXXX XXXX XXXX, and DP OF EDUC XXXX have 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 an account without my written instructions.
Complaint sub-issue: Banking errors

Hi, This is related to CFPB complaint XXXX. As of XXXX  Citibank has yet to credit the bonus and they are continuing to toss me around when I call in to get an update on the case. " No one is available '' and getting hung up on has happened three times today. 

Best, XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am filing this complaint w/ the CFPB due to unlawful, inaccurate inquiries are on my Equifax and XXXX credit report that I don't recognize and need to be deleted.. They are a direct violation of the FCRA and my federally protected consumer rights..I informed Equifax, XXXX , and XXXX about the unlawful inquiries on all 3 credit reports and only XXXX did a proper investigation and found the truth.. XXXX honorably and promptly Deleted all the unlawful inquiries off my XXXX credit!! However XXXX and Equifax has ignored the truth and continued to intentionally & unlawfully list these inquiries on my credit and ruin my credit and my life!! 
XXXX, Equifax, and XXXX/XXXX  of XXXX XXXX needs to be punished if they don't delete these inquiries off of my credit right now! PLEASE SEE XXXX '' S ( XX/XX/20 ) FINDINGS TO THIS COMPLAINT.. Thank you in advance for your help.. 

XXXX XXXX XXXX
Complaint sub-issue: Problem accessing account

Pnc won't link to site for saving, credit reporting etc.
Complaint sub-issue: Information belongs to someone else

my information was fraudulently used in a breach in the past, and it is still being used to obatain services i didnt authorize and is harming me financially and personally in a negative why
Complaint sub-issue: Debt is not yours

I checked my credit report and realized this collection is wrong. This collection is not mine and I have no knowledge of it.
Complaint sub-issue: Problem with personal statement of dispute

We filed a federal lawsuit against (5) major banks on 07/07/2015 regarding our mortgage for mortgage fraud which are XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX which later was revised to XXXX XXXX XXXX and XXXX XXXX XXXX Plaintiffs, vs XXXX XXXX XXXX XXXX XXXX, et al., Defendants ~ XXXX XXXX XXXX XXXX XXXX filed on XXXX XXXX XXXX IN THE UNITED STATES DISTRICT COURTFOR THE SOUTHERN DISTRICT OF TEXAS XXXX  DIVISION ~ XXXX XXXX XXXXl. On that very same day XXXX I requested a flag to be put on both our credit reports for XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX in which I precisely gave XXXX, XXXXn, and Equifax the Federal Case Number XXXX XXXX XXXX to freeze and stop any derogatory credit reporting until our case would be settled in court. We won our suit and it closed on XXXX. However, all (3) credit bureaus allowed (8) credit accounts to be closed on my wife XXXX XXXX XXXX   and (6) credit cards for XXXX XXXX XXXX which negatively impacted us on our credit scores with high interest rates and impossible to get loans much needed. They did all of this damage to us while we had not settled in federal court yet and the flag should NEVER have been lifted while pending matters were in federal court allowing any XXXXXXXX   to report that we were up to 18 months and greater that we were behind on our mortgage payments while we were in a federal court fighting for our rights by law. This was negligence on behalf of all (3) credit bureaus to have allowed such damages to occur.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I have opened the Citi Double Cash Card on XX/XX/XXXX, I have waited for two weeks but nothing in the mail, so I called Citibank about the issue I have and they told me the card has been activated and has charges on the card. Here is the problem, I never receive the card, so those are the unauthorized charges. I filed the dispute and asked them to send me the new card, when I get the new card I activated it and set up the online account but I still see the unauthorized charges amount ( {$490.00} ) on my card. ( They didn't credit me back ) So I called them again about the issue and they said the team is still investigating the case. However, on XX/XX/XXXX I received a letter from Citibank about the case and they said they concluded the investigation and it wasn't enough to support my claim. I have waited and called them so many times after the first call, but still nothing is solved.
Complaint sub-issue: Old information reappears or never goes away

THIS IS NOT A DISPUTE. DO NOT START AN INVESTIGATION. 

I am aware that a consumer reporting agency can only report collections and charged to profit and loss accounts for a 7 year period only to items in a consumer file according to 15 USC 1681c ( c ) ( please find law attached ). I am aware that a consumer file and a consumer report are not the same documents according to federal law ( please find terms defined below ). 

With that being said because I am now aware the 7 year reporting period of collection and charge off 's doesn't apply to a CONSUMER REPORT and only to a consumer 's FILE I am demanding that you REMOVE the following collection and charges off 's from my Consumer Report immediately. 

XXXX XXXX XXXX XXXX - Account # XXXX - Charge Off XXXX XXXX XXXX XXXX Account # XXXX - Charge Off XXXX XXXX XXXX XXXX XXXX Account # XXXX - Charge Off Once these account are removed from my consumer report, I am requesting a copy of my Consumer Report mailed to me, NOT my consumer FILE.
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/XXXX, to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after I sent the last letter last XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. 
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 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