Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with customer service

No contact from Citibank in over a month. Can not reach them. On hold for hours. I need service with my credit card and possibly opening a savings account. They have completely eliminated customer service. Zero human contact. How are you going to reach me if I don't provide any personal information? Here 's my email address. 

XXXX XX/XX/2020 2020
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Information belongs to someone else

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXXXX/XX/XXXX -FXXXX XXXXXX/XX/XXXX NEGATIVE ACCOUNTS : -US DEPT ED 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.
Complaint sub-issue: Old information reappears or never goes away

XX/XX/2020 XX/XX/2020 called nelnet, the department of education and Great Lakes nelnet shows on my credit report as derogatory but it is old and it has been rehabilitated but it still appears on my credit report no one could help to remove it they just keep saying to call different places
Complaint sub-issue: Debt was result of identity theft

At The Beginning Of The Year I Had A collection placed on on 3 bureaus from a 3 party Debt collection agency! 

I dug into it to figure out what it was & it was from a telephone company ( XXXX XXXX ) To an address in Louisiana! 

Ive Never lived in Louisiana XXXX XXXX XXXX Doesnt Even Service Texas From the research Ive done, so how could I possibly own this debt Debt Is For {$2400.00}! 

I deputed it & filed a police report with the XXXX, Texas police department & it was removed once the credit bureaus discovered it was fraudulent! 

Just yesterday it popped up on my credit again, but know through a different 3 party collection agency! 

New Agency : XXXX XXXX XXXX I WOULD REALLY LOVE TO FIGURE OUT IF I CAN RID OF THE FRAUDULENT ACTIVITY!
Complaint sub-issue: Company closed your account

I was defrauded and Citibank closed my accounts and refuse to give me answers when I explained that my was defrauded but they are requesting the money bank and I was scammed
Complaint sub-issue: Was not notified of investigation status or results

I've sent over an investigation request letter to Equifax XXXX and XXXX via Certified mail with proof of delivery and signature. Signed by Equifax XX/XX/2022, signed by XXXX XX/XX/2022 and signed by XXXX XX/XX/2022. I haven't received any letter about a completed investigation or haven't had any deletions based on the inaccurate info regarding the accounts listed in my letters to them. 

It has been over 30 days so they have violated FCRA and FDCPA laws also by not deleting the accounts reporting inaccurate data. In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. 

They haven't notified me of any results nor was it properly investigated if so, because how would that be possible if " Last Updated '', " Worst Delinquency '', " 2-YEAR PAYMENT HISTORY '', " 30 days late '' section, " 60 days late '' section, " 90 days late '' section, " closed date '', " last activity '', " terms '', " payment status '', " balance '', are all showing inaccuracies. 

Those are MANY inaccuracies and HIGHLY damaging my credit, it has hurt and is hurting my ability to obtain credit. I provided my letters to them and then proof of my credit report pulled XX/XX/2022 circling ALL of the errors and inaccuracies on these accounts. I want to make it clear I XXXX XXXX am submitting this myself and not being represented by anyone. 

After multiple FCRA and FDCPA laws being broken I demand these accounts be removed IMMEDIATELY. 

Account Name : XXXX  XXXX Account Number : Ending in XXXX Account Name : XXXX XXXX Account Number : XXXXXXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Complaint sub-issue: Information belongs to someone else

XXXX, XXXX, equiafax have reported incorrect information on my credit report that is not mines which are XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX
Complaint sub-issue: Debt is not mine

I HAVE HAD ENOUGH!! I KEEP GETTING CALLS, NASTY CALLS FROM THIS XXXX COMPANY AND I KEEP TELLING THEM THAT THE ACCOUNT IN QUESTION IS NOT MINE. I HAVE ALREADY SENT THEM XXXX LETTERS STATING THAT THEY NEED TO STOP, BUT THEY HAVE NOT OBVIOUSLY.
Complaint sub-issue: Information belongs to someone else

I'm just coming home from being XXXX  for the past 7yrs only to find out that my identity has been used and destroyed within the credit reporting system. I'm asking that the following accounts be blocked from my credit file immediately.

1 ) XXXX/XXXX XXXX 2 ) XXXX XXXX XXXX XXXX 3 ) XXXX  XXXX XXXX  XXXX 4 ) XXXX/XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

Not aware of the Debt the company is collecting for.

Debt is well over the limits of limitations if owed.

Collector is constantly contacting for employment verification and reaching out to different Dept within the company
Complaint sub-issue: Credit inquiries on your report that you don't recognize

your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Complaint sub-issue: Reporting company used your report improperly

For the following accounts : 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 a account without my written instructions 15 U.S.C 1692C states without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692C section 5 : states not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt
Complaint sub-issue: Old information reappears or never goes away

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX I received a copy of my credit report on XX/XX/2022 and to my surprise I notice that XXXX XXXX  has been added back on to my Equifax report. I requested the method of validation & verification of this account & disputed the completeness and accuracy on XX/XX/2022 and the account was removed XX/XX/2022. I'm confused as to why this item has popped back on to my report. 

Please see attached paper trail, Initial dispute, proof of removal, proof of reinsertion, and my most recent XXXX XXXX report which shows NO XXXX reporting and Equifax states that they get their public record information from this third party furnisher. 

Under the FCRA, an item can not be reinserted on to my credit report without written notice by a credit bureau to me within 5 business days of the reinsertion. I've received no such letter and would like for this item to be deleted again as this is a violation of my rights under 15 USC 1681i. 

Upon deleting this account please send me an updated copy of my credit report to my address listed above.
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 XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

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

Multiple accounts that are incorrect are reporting on my credit reports XXXX/XXXX XXXX**** XXXX XXXX XXXX XXXX**** XXXX XXXX XXXX XXXX**** XXXX XXXX XXXX**** XXXX XXXX  XXXX****
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$31.00} XXXX XXXX  Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 2021
Complaint sub-issue: Account terms

XXXX my address is XXXX .those names you have on my report is not me XXXX, and the address thats in XXXX ark every live at that address. that not me please remove off my report.
Complaint sub-issue: Other problem

On our XX/XX/XXXXstatement ( attached ), we had a credit balance of {$4300.00} related to the issues caused by CFPB Complaint ID XXXX. My wife and joint account holder called Citi Customer Service twice to have this credit balance returned to us as it is significantly higher than our monthly spend. On the first call, Customer Service told my wife they would look into the issue but would not execute a refund and required more information. My wife prepared the information and called Customer Service again. They had no records of the 1st call and would not execute the refund. We ask that Citi return our credit balance as soon as possible.
Complaint sub-issue: Account information incorrect

For about a year now, we have been disputing incorrect information that was being reported and still is to the credit bureaus, that we later found out was very negative information to have on a XXXX XXXX XXXX. That information occurred after our mortgage loan was sold and transferred to XXXX XXXX XXXX ( XXXX ). All the previous mortgage servicers reported the year of the loan as 30 year. XXXX immediate reported the loan as being a 50 year or 600 month, to it most recently being a floating term of 603 months. We did not pay much attention to this change until a mortgage refinance company after trying to apply, told us that by having that number XXXX on our loans XXXX XXXX gives our loan a very bad status. The same happened with a second mortgage refinance operation, that said that number should not be associated with our loan and it would be dangerous to move forward and not get that number corrected first. So in the many attempts to get this corrected, XXXX explained how they got to that number ( see attached ). We later were told to once more request from them the documents used to make that determination, and they replied that they used our 40 year loan mod, but then used another method to combine the Note and the Loan mod to get a 50 year number. We provided this information to our help and they then asked us to have the credit bureaus provide the documents they received that supports " the alteration of signed contracts without consent '' - they explained that the terms of a loan document can not under any circumstances be changed without writing consent.
Complaint sub-issue: Funds not received from closed account

Citibank closed my business bank account without notice or reason : Call made XX/XX/2022 at XXXX 1. My funds were sent to incorrect address eventhough branch manager corrected address in my presence. 

2. new check was never sent and when I called citibank refused to provide tracking number. 

3. Agents did not want to even discuss my account and when I asked for supervisor agent pretended the line had gone dead but I could her her breathing. At this point agent transferred me to a supervisor. 

4. spoke to supervisor XXXX XXXX ID XXXX on XX/XX/2022 at XXXX. She stated that they AGAIN sent check to wrong address. She also stated she did not have a tracking number and it could be months to get check. 

Resolution requested : 1. I want my funds of {$16000.00} refunded 2. I want my funds sent overnight 3. I want an additional {$12000.00} for damages caused for funds not been returned and payments missed by my business in addition to damage caused on my credit reports caused directly by check not being sent correctly. I am happy to outline caused damages. 

Here are the numbers you can reach me at : XXXX. Office : XXXX XXXX. XXXX XXXX XXXX. Additional Office XXXX XXXX. Additional Office - XXXX Ext XXXX XXXX. Additional Number XXXX Ext XXXX XXXX. Additional Number - XXXX
Complaint sub-issue: Information belongs to someone else

These accounts should not be reporting on my file nor have they been physically verified as stated within the FCRA language. I have made many attempts to set my self free from these unauthorized accounts but instead the following credit agencies resolve is always a statement claiming accounts verified, but never recieved any physical documentation of such. I've requested the Method of Verification for the  investigation into the accounts but haven't received any documentation whatsoever. If the credit agencies can not permanently resolve this issue I will file suit and/ or with the FTC . You and your companies totally ignored Section 609, and section 611. If the credit reporting agencies can not send me their Method of Verification and/ or provide me with physical documentation/ contracts then I'm demanding that the following credit agencies, Equifax and XXXX block these accounts immediately and permanently, ( # 1 ) XXXX XXXX {$0.00}, ( # 2 ) XXXX XXXX XXXX {$390.00}, ( # 3 ) XXXX XXXX XXXX {$130.00}, ( # 4 ) XXXX XXXX XXXX {$1000.00}, ( # 5 )  XXXX XXXX , ( # 6 ) XXXX XXXX XXXX {$920.00}
Complaint sub-issue: Information belongs to someone else

Sent Equifax my police report along with documents showing the fraudulent id and social used to get these accounts.supposed to block them or remove.they have ignored it.finally found an attorney to file suit if they do not remove after this. The accounts are XXXX XXXX card services.XXXX XXXX XXXX.and XXXX XXXX.none are mine.all account originated in Colorado where I never lived.
Complaint sub-issue: No notice of investigation status/result

Equifax continues to violate the fair credit reporting act. 
Lien showing on my credit report does not belong to me and all other credit bureaus have since corrected except Equifax. 

They do nothing to confirm rather just use the electronic XXXX system and investigate it within 24 hours and leaves in on my credit report.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX and the three bureaus have intentionally placed incorrect information on my report about this account that has affected me from housing and other extremely important things I need! I ask that this information be removed due to the fact of this car was voluntary surrender but XXXX and the other two bureaus have said it was repossessed which is incorrect and by law the bureaus most remove all incorrect information immediately! I have repeatedly disputed it several times Im now requesting for help to remove this and or correct it
Complaint sub-issue: Debt was result of identity theft

I received a collection account added to my credit reports today from AFNI, Inc. There address is : XXXX XXXX. XXXX XXXX XXXX, Il. XXXX. Phone # XXXX. That are reporting a debt of XXXX. The original creditor is XXXX in which I have not had services with them and this account was fraud. This account was removed from my report and deleted. Now its re-appearing as they seem to have now purchased this debt. This collection is preventing me from closing on my home. This is not mines. I have a police report and a ID Theft report to provide if they need it.
Complaint sub-issue: Reinserted previously deleted info

I had a small tax liability with the State of XXXX from XX/XX/XXXX for {$510.00}. I had moved to XXXX XX/XX/XXXX so did not receive any notification of this liability. The State subsequently filed a lien that was picked up by all 3 credit reporting agencies. I did not realize it existed until I purchased a car in XX/XX/XXXX. I immediately paid the debt that had grown to {$810.00} with penalties and fees. I contacted the State of XXXX and they agreed to cancel the lien from record because there was no real notification that the debt was ever owed. I sent this documentation to all three credit reporting agencies. XXXX and XXXX did an investigation and removed the lien from my file immediatly. Equifax , however refuses to remove the item. I have requested 3 times by certified mail the name and contact information from a person at the XXXX Department of Revenue that is stating this record still exists, but have received no response. I can only conclude they have done no investigation. I have contacted XXXX Department of Revenue to follow up and they tell me they can do nothing from their end if Equifax is still reporting it. 
I am XXXX years old and this is the ONLY derogatory item on my credit record. My State and Federal taxes are paid in full. I am in the mortgage industry as a profession and have to be licensed in every state I conduct business. There are states that will not give me a license because of this derogatory item. This affects my ability to earn more income and pay more taxes. Nobody wins in this situation and it baffles me that Equifax is so reluctant to report this accurately.
Complaint sub-issue: Threatened to take legal action

I 'm tired of XXXX, After several past complaints with you, after making payment arrangement receiving bill due XXXX 2016, On XXXX XXXX XXXX my car was a repossession, aside from all the headache of getting their XXXX over all this, while I 'm crying needing my daughters winter coats, they were transferring here there with. nasty unprofessional service. I guess this stuff is exciting to some anyway now I 'm billed almost XXXX amazing how I 'm targeted. Give me a break. Same company in XXXX. I explained my dog passed of XXXX, she said I need to get my finances in order. Please leave me rest. they got away already with enough. Greed and they come back from more
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Good afternoon hopefully you guys can put an end to this. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and noone was able to help me I was just being past around to department. Please investigate these bureaus and have them delete these fraud accounts off my report. Please see my IDENTITFICATION attached and the report I filed under identity theft. Please delete these.
Complaint sub-issue: Information belongs to someone else

Full name : XXXX XXXX XXXX Social Security # XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 


USDOE/XXXX {$3400.00} USDOE/XXXX {$18000.00} XXXX XXXX {$9400.00} XXXX XXXX ( Original Creditor : 06 XXXX ) {$110.00}
Complaint sub-issue: Trouble closing card

Received a usbankreliacard from Colorado Dept of LBOR. Did not apply for any unemployment benefits. Company is lying about the reasons they sent me this VISA card. USbank phone number is unreachable from overseas. no email contact provided. no ability to cancel or close account on their website. Company is obviously trying to make it impossible to reach them or instruct them to close account and cancel card.
Complaint sub-issue: Information belongs to someone else

To Whom It May Concern Good day to you! I have written to all 3 Credit Bureaus to update my address to only. I told them that I have no idea why the collections were on my report because I never lived at the addresses on my report, and that I sent them a letter from a clerk at the court stating that they do not verify with the Credit Bureaus and I have not received any reply as yet. Today is XX/XX/XXXX and I wrote the letter since XXXX XX/XX/XXXX. The issue has been going on since XXXX. I have 31 hard inquiries and I dont know how it got on my report. Im a XXXX XXXX veteran and Im tired of dealing with the stress each day with them not correcting my name and personal information. 
Thank you! 

Very Respectfully, Concerned XXXX XXXX Veteran