Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed this account with Citi banks through all bureaus as well as filed a previous CFPB complaint and there has been no positive change. I enrolled in Citis covid program in XXXX and was informed I WOULD NOT have to make ANY PAYMENTS UNTIL XX/XX/2020. Citi ended up closing my account in XXXX stating and no one was able to inform me why. Since then there has been a change in the balance owed how is that the case on a closed account? Im not using the card! the credit report shows there has yet to be a notice of dispute input by either Citi or any of the bureaus. I get more than 3 phone calls a day from this company on top of receiving phone calls after XXXX XXXX  which is clearly a violation. They are also reflecting a close date of XXXX, how was I able to enroll in a program of my account was already closed, and why didnt anyone mention that?
Complaint sub-issue: Account status incorrect

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.
Complaint sub-issue: Account status incorrect

CITIBANK has not tried to resolve the inaccuracies on my credit report. I have been trying to contact someone since XXXX. The last complaint filed, I receive a response stating to give them a call, I called the number that was provided, left a voicemail and have not heard back. This company refuses to assist me with how they are reporting and at this time if the information is not updated correctly I will seek legal action. They continuously hurt my credit score with the false information thats on my credit report for XXXX, XXXX   and XXXX. I'm trying to buy a home and this is my way of moving forward. XX/XX/2019 should be the only past due payment. The many times that I have tried to correct this there is no hope but to sue this company. 

With XXXX  they are reporting 5 late payments, XXXX   shows 1 late payment and XXXX  they are reporting 2 late payments. This information is incorrect and again I have tried to resolve this with no assistance. It seems as if no one at Citibank cares, cant read and definitely and are ok with giving incorrect information on customers credit report.
Complaint sub-issue: Information belongs to someone else

This is A FRAUDULENT bankruptcy being reported under my name inaccurately. I have contacted each credit bureau separately as well as the courts they claim furnished the information being reported on my file. A Chapter XXXX bankruptcy is being reported on all 3 credit bureaus. They all have inconsistent and incorrect information. Further more they are supposed to verify this information with the ORIGINAL furnisher not a 3rd party. The courts listed on my report have provided me a letter in writing stating they did not and do not furnish consumer 's data to any 3rd party. That being said the information is not only inaccurate but being reported without verification. The information listed below shows what's reported on my file for each credit bureau. Starting with XXXX  the filing date is listed XX/XX/XXXX however XXXX  lists XX/XX/XXXX which is correct where is the verified source of this information. Next the reference number is different on all 3 reports as shown below. The Court name is also listed differently on all 3 reports as well. Lastly the closing date shows on 2 of the reports however is left blank on XXXX. Per the Fair Credit Reporting act this information is supposed to reported accurately without any inconsistencies and it MUST be verified by the original source not a 3rd party. If it can not be verified included original documents with my signature confirming the account it must be removed. Where are the records that I signed showing this Chapter XXXX filing actually belongs to me? Where are the records that show the information being reported is true and accurate especially with the difference of information being reported within all 3 bureau 's. See below for the information I am speaking of. XXXX Reports Type : Chapter XXXX Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : XX/XX/XXXX Asset Amount : XXXX Court : U.S. Bankruptcy Court Liability : XXXX Exempt Amount : XXXX XXXX  Reports Type : Chapter XXXX Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : XX/XX/XXXX Asset Amount : XXXX Court : US BKPT CT FL XXXX Liability : XXXX Exempt Amount : XXXX XXXX  Type : Chapter XXXX Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : Asset Amount : XXXX Court : Federal Liability : XXXX Exempt Amount : XXXX
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. 
Account # XXXX XXXX XXXX XXXX with XXXX late payments XX/XX/XXXX, XX/XX/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 a account without my written instructions
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX account # XXXX disputed several times over 2 years, each bureau is reporting it differently, allowed creditor to report 90days past due every month, with different last active dates, different reporting history, and last payment dates, but came back verified each time, the credit bureas have violated my rights and allowed incorrect information to be reported on my report for 2yrs
Complaint sub-issue: Information belongs to someone else

Equifax failure to proper investigate is continuing to damage my credit which is not allowing me to establish credit because of all the fraudulent, inaccurate, and erroneous things on my credit inwhich have been found unverified and not validated its Peer credit bureaus. How could theyve investigated with so many inaccurate information
Complaint sub-issue: Information belongs to someone else

AFTER REVIEWING MY ANNUAL CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT WERE PLACED ON MY CREDIT FILE. PLEASE BE AWARE THAT THOSE ACCOUNTS WERE PLACED WITHOUT MY KNOWLEDGE AND ARE REPORTING AS DEROGATORY ACCOUNTS. I URGE YOU TO PROMPTLY UPDATE YOUR CREDIT RECORDS AND CORRECT YOUR REPORTING INACCURACIES ON MY CREDIT FILE FOR I AM NOT LIABLE TO THOSE DEBTS. 

I DISPUTE THOSE ACCOUNTS IN ITS ENTIRETY AND I KINDLY ASK THAT THE NEGATIVE ENTRIES YOU'RE REPORTING BE INVESTIGATED AND DELETED FROM MY REPORT AS SOON AS POSSIBLE TO PREVENT ANY FURTHER DAMAGE ON MY CREDIT FILE AND OTHER ENTRIES SUCH AS LATE PAYMENTS OR CHARGE OFF SHOULD BE PURGED FROM MY CREDIT FILES.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I received notice from Discover Financial Services that I was being denied for a variable rate undergraduate loan Application ID XXXX on XX/XX/2021. 

I immediately contacted Discover who said that there was no record of a loan application. I informed them that there was a hard inquiry for a loan and I would like it removed. 

I followed up with discover again in XXXX with no result. I then filed disputes against the hard inquiry with all three credit bureaus which did not result in the hard inquiry being removed.
Complaint sub-issue: Reporting company used your report improperly

Unauthorized and inaccurate reporting from my credit report
Complaint sub-issue: Information belongs to someone else

Equifax is aware that I am a victim of ID Theft. Yet they are still reporting information on my report that I have not authorized. Despite numerous attempts to have this INCORRECT information removed, it is still being reported. With this incorrect information being reported,. Equifax is aware that I am a victim of Identity Theft, yet they still have not removed it from my consumer file. They haven't sent any documentation with my as to why they believe the account is mine. Here are the incorrect accounts, as well as inquiries listed on my report. Following accounts are due to identity theft : XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX/XXXX
Complaint sub-issue: Information belongs to someone else

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be corrected or removed immediately : 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: Trouble with how payments are being handled

Ive been making payments for my student loans to a company called D2 Management who i thought was handling my loans, turns out that they haven't and XXXX XXXX has no reported payments on my loan. I was told by D2 that they worked with them but tirns out that they do not
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : DEPTEDXXXX-XXXX  //LATE open - Balance {$900.00} -Date Opened : XX/XX/XXXX XXXX //LATE open - Balance {$770.00} -Date Opened : XX/XX/XXXX DEPTEDXXXX-XXXX  //LATE open - Balance {$3500.00} -Date Opened : XX/XX/XXXX DEPTEDXXXX-XXXX  //LATE open - Balance {$6500.00} -Date Opened : XX/XX/XXXX
Complaint sub-issue: Card was charged for something you did not purchase with the card

I will be filing a lawsuit. I been contacted the corporate office and I get the receiving end of the phone hung up on me
Complaint sub-issue: Information belongs to someone else

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items 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 any item 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 items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, AL XXXX ; XXXX  XX/XX/2021 ; 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: Problem with fees

The following is a timeline of my issue. 

XXXX  I made a purchase at XXXX XXXX XXXX restaurant in the amount of {$41.00} I did not receive a bill thereafter. 

XXXX A late charge was issued for {$29.00}. DUE date XX/XX/ XXXX A late charge was issued for {$40.00}. DUE date XXXX I did not receive a bill. 

XXXX I received a letter indicating my payments were late. I immediately responded upon receiving the bill and on XXXX  I contacted Citi and requested to pay the bill in full. I was informed by the representative the total bill was {$41.00} ( aside from late fees ) and at that time I requested that all of the late fees be waived and the representative agreed to refund them. It was my understand that on XX/XX/ all payments were satisfied and my account balance was XXXX. I requested a confirmation number and was told by the representative that they did not have a confirmation number to provide me however I will receive a letter in the mail. I never received a letter. 

XXXX  I received a letter dated XXXX indicating that I needed to contact Citibank due to late payments. To my surprise I was shocked since I satisfied all payments on XX/XX/. I contacted Citi and was disconnected upon trying to explain the matter to the first representative. At approximately XXXX  I called back and spoke with representative who identified himself as XXXX XXXX I tried to explain and gather information from XXXX regarding my account and explained my account should be XXXX balance however he explained that the late fees were only waived for 2 months and not 3. He explained that {$11.00}, {$19.00}, {$40.00} was refunded however he is not allowed to refund me any additional fees. he became frustrated as noted in his raised speech to me. I asked him to stop yelling at me but he continued. He stated I owed {$70.00}. I was confused as to how If I have not used the card for any purchases or withdrawals since XXXX 

It is clear that the representative I spoke and made the full payment with on XX/XX/ misled me to thinking that my total bill was satisfied on that day. I never received a bill in the mail or email to notify me that I owed any money yet Citi bank continued to charge me late fees. They seemed negligent in providing me with a bill. This has led to a decrease in my XXXX score and i kindly ask it be resolved. I have worked hard to keep a good credit score and understand how this act on behalf of Citibank and their staff is damaging. 

Furthermore I do not understand how I was only refunded {$11.00}, {$19.00}, {$40.00} - I was informed that all 3 late fees would be waived. late fees are {$40.00}. 

On the same day I contacted the rewards program to redeem them and upon attempting to confirm my address was given an address that is not my correct address. 

As a result on XX/XX/ I closed 2 of the 3 credit cards I have with Citi. I intend on closing the this card however would like to resolve this matter before doing so. Than you. 

XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

There are several accounts being reported on my credit report. I do not know any of these companies, I have never done business with any of them. These collections companies do not have a contact with my signature.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I received a letter from Discover threatening me with a lawsuit for unpaid debt. Due to the COVID pandemic I have been laid off from work and surviving on unemployment benefits and support from relatives and friends. I have mentioned this to Discover but they are still pursuing this legal action against me. 
I kindly request to look into this matter. I can be reached on my email : XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I am writing this due to non-compliance with the XXXX, XXXX and Equifax They have failed to remove information that was affiliated with personal details that were challenged in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law The accounts have remained after 4 attempts to contact them. When I call they say they dont get my letters. 

They have not validated anything.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX has been placed on my credit report as the owner of this debt however, there. are several names on this invoice with no further information. The invoice not only has a name of XXXX XXXX XXXX, it also has XXXX XXXX XXXX, XXXX, it states services provided by XXXX XXXX XXXX XXXX, there is a name of a XXXX XXXX. This alone is adding false information to my credit report if they are not the actual owner of the debt. 

I have contacted XXXX XXXX requesting more information which includes documents that I would've signed in the emergency room and they have not responded.
Complaint sub-issue: Was not notified of investigation status or results

Discover card put a block on my acct and blackballed me from contacting them by phone had a 3rd party to call who heard all my business at that time made aware about a block was hoping it was not due to the fact I had commented the review process at the time of my request for an increase was never approved even when my credit was credit worthy also asked them if any XXXX American were cust serv reps
Complaint sub-issue: Their investigation did not fix an error on your report

In my previous dispute with XXXX ( XXXX XXXX XXXX credit card account ). I have previously disputed the reporting of this account with XXXX XXXX XXXX and they proclaimed that the entry was reporting accurately on my credit reports. That is wholly untrue. In my previous dispute with them in XXXX, I informed them that they has not updated my credit report payment history since XX/XX/2018 with XXXX, XX/XX/2018 with XXXX  and XX/XX/2018 with Equifax. 

I recently pulled my credit report and the only bureau that is current is XXXX  ( see attached ). XXXX XXXX XXXX has not updated Equifax since XX/XX/2018 ( see attached ) and XXXX   since XX/XX/2018 ( see attached ). I am again requesting that XXXX Bank ppdate my credit reports accordingly and immediately as I have been delayed well over 60 days. I would also like a copy of the request this company is sending to the bureaus as proof of receipt that they are indeed advising the bureaus to update, but the bureaus are blatantly not reporting.
Complaint sub-issue: Their investigation did not fix an error on your report

Been disputing inaccurate information on credit report for years and attempting to mediate issues with credit bureaus, debt collecting agency 's and creditors. Whenever I've requested investigation results for my disputes into these inaccuracies from any parties, I've been told by the credit bureaus that they are only obligated to verify identifying information ( such as address, ssn and birthday ), therefore nothing will be done to correct inaccuracies because reporting company is providing them with identifying information that matches up with my customer file. Alot of items on my credit report are the result of fraudulent accounts opened in my name and or accounts that have become affected by the damages of identity theft. And I'd like to resolve these issues once and for all.
Complaint sub-issue: Was not notified of investigation status or results

on XX/XX/XXXX and XX/XX/XXXX I filed a dispute with equifax according to the fcra 6 section 609 I haven't received any correspondence from them
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Back on XXXX, I XXXX XXXX, submitted an application for a delivery job, with a company called XXXX. This company, uses a third party, for completing background checks, named Checkr. Checkr received my details on XXXX, and stated that my criminal checks would be completed by, XXXX. Upon checking the status of my report on XXXX at XXXX, the completion timeline was then updated to XXXX. I reached out, and only received generic computer generated responses. Then upon checking my report status at XXXX on XXXX, my completion date was AGAIN UPDATED, and is now showing XXXX. This is messing with my income, and good standing as a job applicant!! I again reached out, and received the same response. Stating they could not provide any details of a completion date, or expedite this process! I KNOW FOR A FACT MY CRIMINAL RECORD IS SPOTLESS!!! I CAN NOT GET ANY HELP FROM Checkr, and I am stuck in limbo, looking bad to the company that I am trying to get a job with! Can someone please help me?!
Complaint sub-issue: Debt was result of identity theft

XXXX XXXX XXXX collections account number XXXX isnt mine I am a victim of identity theft discount was fraudulently opened under my name. I have no knowledge of this account. I am asking them to provide proof of signature they have not been able to do so.
Complaint sub-issue: Public record information inaccurate

LexisNexis has over 80 pages of information about me. They are reporting things going back over 20 years. I've called them many times to remove anything from inaccurate addresses to outdated information. The most recent would be they reported an " at fault accident '' on XX/XX/2022 in which I was not at fault. I was made aware when I was searching for auto insurance for my new car last week. I was quoted at rates being hundreds of dollars more than what I should be paying. If it wasn't for LexisNexis/XXXX reporting that untrue info I would have a descent rate. Is that normal to have over XXXX pages of info on just one person especially when most of it is false? I did call them today and they tried to say that they have me as " not at fault '' but why report anything about it? I believe they only said I'm not at fault because I called them and confronted them about it. XXXX XXXX was not the only insurer that told me this, XXXX told me as well. So I don't believe what they told me over the phone they are lying trying to protect themselves.
Complaint sub-issue: Problem using a debit or ATM card

On XX/XX/XXXX I received an alert that a {$6000.00} check cleared my account. I did not write or authorize this check, so I immediately called the bank to report it as fraud. They looked at the check and the agent said it was clearly a fraudulent check at first glance to her. She transferred me to the fraud department, my account was closed, a new account was opened, and they mailed me a check claim affidavit. I completed this form and uploaded it on XX/XX/XXXX. I heard nothing from the bank so I called them 2 weeks later and was told that I filled the form out incorrectly and would need to fill it out again. They said they would mail me another form, which I did not receive, so I called them and they sent a new form to me several days later. After receiving the new form, I called the bank and talked to an agent to make sure I completed the new form correctly. I uploaded the new form on XX/XX/XXXX. I received a called today saying the form was filled out incorrectly again and would need to be redone. Now I will have to wait to receive another form by mail, complete it again, upload it again, wait another 2 weeks before it can be reviewed, and see what happens. This means that it will be over 3 months just to get my claim submitted. This is completely unacceptable! In the meantime, I'm out {$6000.00}.
Complaint sub-issue: Information belongs to someone else

MY PERSONAL INFORMATION WAS USED BY AN UNKNOWN PERSON WHO USED MY INFORMATION TO OBTAINED DEBT SUCH AS CREDIT CARDS AND MEDICAL BILLS NOW MY CREDIT PROFILE IS DESTROYED. I AM DOING THIS REPORT INHOPES OF FIXING MY CREDIT.