Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Old information reappears or never goes away

I asked Equifax XXXX  and XXXX if they can remove all of the old addresses and and inquiries tied to those addresses and they said they will but have not its been months after
Complaint sub-issue: Didn't receive enough information to verify debt

Primary cardholder died on XX/XX/XXXX. I notified Citi-Bank by telephone shortly after - and the account was summarily closed. I requested a final statement. I began receiving phone calls from XXXX XXXX  which I did not answer - as did other family members - nor did I respond to their letter. There is no probate estate - there is a living trust - I am the surviving trustee and administrator of the estate. 

I called Citi again - explained the trust and requested a statement so I could pay the final bill. I was told they could not provide one. 

I wrote a letter to Citi on XX/XX/XXXX requesting a statement and received a " we'll get back to you '' letter dated XX/XX/XXXX. There has been no further communication from C

iti - but I now receive daily calls from Client Services - which I have blocked. In my opinion it is Citi 's responsibi
lity to provide the statement which I am quite sure these collection companies can not do and it is reasonable to request the details of the final account statement. I would like the harassment to stop!
Complaint sub-issue: Account status incorrect

Please know that I was not late on XXXX XXXX XXXX, XXXX XXXX XXXX. I wonder why Equifax, XXXX   and XXXX report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me
Complaint sub-issue: Add-on products and services

I filed an return protection claim for an external computer trackpad after the merchant refused to take it back because I was past the 30 day return period. I mailed it to Citi Card Benefits Administration/ XXXX   XXXX XXXX using the prepaid label that they gave to me. According to the company, it arrived cracked, therefore it was damaged in transit ( I mailed it in new condition ). I asked the company to either make and exception for the damage in transit or to send it back to me. The company said it would send it back to me via XXXX ( tracking number XXXX ). However, the package has not shipped in over two months and after I have called the company multiple times no one can seem to tell me whats going on and the supervisor refuses to return my calls. 
Claim : XXXX
Complaint sub-issue: Reinserted previously deleted info

This is another complaint with equifax and has to do with my other complaint Case number : XXXX why are they reinvestigating that account with the furnisher? are there any humans working there? the dispute is with EQ not the furnisher. EQ allowed previously deleted collections account with XXXX to be reinstated without notifying me and breaking the law. Are there any humans working at the CFPB? it seems EQ and CFPB JUST USE AUTOMATED SYSTEMS TO ANSWER EACH OTHER. THEIR RESPONSE IS REINVESTIGATE. WHICH IN 30 DAYS WILL COME BACK AS VERIFIED. WHEN THAT IS NOT MY COMPLAINT. MY COMPLAINT IS WITH EQ NOT XXXX. BUT YOU LET THEM GET AWAY WITH IT. NOT ADDRESSING THE COMPLAINT FILED. IM A XXXX VET AND IM GETTING TIRED OF THE RUN AROUND. MAYBE ILL WRIGHT A LETTER TO PRESIDENT OBAMA BEFORE HE LEAVES OFFICE. HE CARES FOR VETS. THIS IS WHAT THE FCRA SAYS ABOUT DELETED ACCOUNTS. TELL EQ IF THEY DONT REMOVE THAT ACCOUNT IN 1 WEEK IM GOING TO SUE THEM FOR BREAKING THE FCRA LAWS. 

( ( B ) Requirements relating to reinsertion of previously deleted material. 

( i ) Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion
Complaint sub-issue: Account status incorrect

EMAIL ADDRESS : XXXX MAILING ADDRESS : XXXX XXXXXXXX XXXX., XXXX XXXX, XXXX XXXX XXXX MD, XXXX While looking at my credit reports I have noticed inconsistencies with the information all three credit bureaus have. As you know, this is not allowed under my rights and is also a clear indication that this information was NOT properly verified upon you receiving it. Equifax is reporting inaccurate information regarding my ACCOUNT STATUS with the following accounts ; <ACCOUNT # 1 : XXXX XXXX  # # # # # XXXX : EQUIFAX has the ACCOUNT STATUS as CLOSED ; however, XXXX has the following info claiming to be accurate, ACCOUNT STATUS as OPEN> <ACCOUNT # 2 : XXXX XXXX XXXX XXXXXXXX # # # # # # # # XXXX : EQUIFAX has the ACCOUNT STATUS as OPEN ; however, XXXX has the following info claiming to be accurate, ACCOUNT STATUS as CLOSED.> <ACCOUNT # 3 : XXXX XXXX XXXX XXXX XXXX XXXX : EQUIFAX has the ACCOUNT STATUS as CLOSED ; however, XXXX has the following info claiming to be accurate, ACCOUNT STATUS as OPEN> <ACCOUNT # 4 : XXXX XXXX XXXX XXXX XXXX : EQUIFAX has the ACCOUNT STATUS as OPEN ; however, XXXX has the following info claiming to be accurate, ACCOUNT STATUS as CLOSED.> <ACCOUNT # 5 : XXXX XXXX XXXX XXXX : EQUIFAX has the ACCOUNT STATUS as OPEN ; however, XXXX has the following info claiming to be accurate, ACCOUNT STATUS as CLOSED.> <ACCOUNT # 6 : XXXX XXXX XXXX XXXXXXXX : EQUIFAX has the ACCOUNT STATUS as OPEN ; however, XXXX has the following info claiming to be accurate, ACCOUNT STATUS as CLOSED.> <ACCOUNT # 7 : XXXX XXXX XXXX XXXXXXXX : EQUIFAX has the ACCOUNT STATUS as OPEN ; however, XXXX has the following info claiming to be accurate, ACCOUNT STATUS as CLOSED.> If these are the same accounts, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately.
Complaint sub-issue: Problem with customer service

On XX/XX/2018 I used my bank 's bill pay to pay my electric bill for {$260.00} and accidentally put the amount on the wrong line. I got a late charge from my electric company. It went instead to my Citi Sears credit card. I had a XXXX  balance due on this card and it is a closed account. I have been trying for months to get them to return my XXXX balance. i keep contacting them ( 6 or 7 times ) and they keep telling me the check is being sent to me but it never arrives. I check my mail every day and am so frustrated, I really need the money. I don't know what else to do. the card number is XXXX XXXX XXXX XXXX. the name on the card is XXXX XXXX XXXX. Pleas help
Complaint sub-issue: Account status incorrect

I was previously a victim of identity theft, I see several hard inquiries on my credit report that I did not authorize or make. I also have an account that is in collections for {$170.00} from XXXX insurance which I did not open the account. Also hard inquiries from XXXX on XX/XX/2022, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I have been in the process of going back and forth with XXXX regarding a discrepancy on my bill. This issue has been mishandled from the beginning and I have been receiving the run around from XXXX for the past two and half years. 

SUMMARRY OF EVENTS I use my XXXX account to make a payment installment on my daughters tuition ( {$2200.00} ). 
One week prior to my due date I visit a XXXX location and pay my balance in full ( as per usual ) Come next months bill, I see {$220.00} was paid on my bill, {$1900.00} less than the amount I paid in full. 
Called XXXX right away and was told it was an error in their system which will be addressed in the next bill. 
In the next few months, I was constantly being told the same thing when my bill arrived. 
Started a case with XXXX and was given a case number. 
Called many times inquiring about the case and was told it was being reviewed or it has been escalated. 
Recently, I was finally told that XXXX is unable to rectify this issue and I would need to file a claim in court. 

Before this occurrence, I have paid my bill in full and on time with XXXX on a monthly basis. Since then, I would keep track of all my purchases and pay that amount only. I have cancelled the card and would like to finally rectify this issue.
Complaint sub-issue: Their investigation did not fix an error on your report

This letter is to file a compliant about the way you have reported my student loans to the credit bureaus. After putting my loans in deferment because of XXXX XXXX then consolidating them, at which time we never had any late payments. You have decided to report that I was over 120  days late on 16 accounts which were in deferment and the loan details from you show that we were never late and the loans are all paid off. I have put in multiple disputes and now this is keeping me from buying a home. I am asking that the correct information be put on the credit reports that I was never late on ANY payments and loans were paid off according to the consolidation
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Have an item on my credit report from company that is not mine.have requested documents and nothing received from company or credit bureau. The credit bureau refuses to allow me the option to upload any documents online. They cont to close with no proof
Complaint sub-issue: Investigation took more than 30 days

I was looking over my credit report and noticed that this company is inaccurately reporting negative items. I submitted disputes over 60 days ago and haven't gotten a response or a solution to my problem! I have attached those letters for confirmation.
Complaint sub-issue: Reporting company used your report improperly

S
tep 1 : What is this complaint about? Regarding recent Equifax security breach. Step 2 : What type of problem are you having? My name/SSN is on the list of potential victims impacted. Step 3 : What happened? Equifax reported " cyberattack '' /security breach. Equifax created website to check if name/SSN is or is not a potential victim. Upon checking my information comes back as potentially impacted. Step 4 : What company is this complaint about? Equifax. Step 5 : Who are the people involved? Myself ( & 143 million Americans ).
Complaint sub-issue: Their investigation did not fix an error on your report

This complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting AcXXXX 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX Balance {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XX/XX/2008 XXXX XXXX Balance {$0.00} XX/XX/2008 XXXX XXXX Balance {$4000.00}
Complaint sub-issue: Debt is not yours

I received a call from XXXX, they left a message. I called back and they stated that I owed over 1100 for a {$500.00} loan that was taken out in 2014 from the company Instaloan. I told them that I never had a loan through there and they insisted that I pay to avoid legal action taken against me or it affecting my credit. The asked if I had a XXXX account and was it always the same. I only stated that it was not the one that they provided. I called Instaloan and they stated that they had no record of me ever having a loan and the only way that I could do so if I lived in Georgia or Florida which I have never lived there.
Complaint sub-issue: Reporting company used your report improperly

Please remove all fraudulent accounts as I have no know of any of these accounts due to the Equifax data breach/ identity theft. All is being investigated by the FTC. According to FCRA 605B this information must be blocked immediately until the investigation is over.
Complaint sub-issue: Didn't receive notice of right to dispute

I spoke with this company back in XXXX, I told them to send me proof that I owe this company. pursuant 15 USC 1692c ( b ) I never gave the company written permission to communicate with me concerning alleged debt. I.C. systems has placed this account on my credit report without notifying me about the proof of alleged debt, and have disregarded what the proof of alleged debt that I asked for. When they contacted me by phone at my work place. I.C.SYSTEMS continues to run my credit report without my permission, they have stolen my identity and they are selling securities using my name which is fraud under 18 usc 1348 selling securities and commodities. This XXXX  company is in bankruptcy and I am still a customer with this company. I am aware of the certificate of indebtedness which XXXX  and i.c systems uses assets on the trading market also they filed a 1099 c with the irs for all debts. yet failed to provide me with that 1099 c copy. I expect i.c.systems to be removed from all three of the credit reports immediately, and I also expect for XXXX  to stop stealing my information and giving it to these companies because I know that they are in bankruptcy and it is illegal what they are doing. I am still a customer with this company. I have paid a deposit to be with the company BACK IN XXXX and now with the second attempt to collect a debt that I do not owe they steal my information to make money by selling my securities. My name is copyrighted and I do not appreciate them stealing from me. I will be contacting the sec. exchange and comptroller because this is out of hand. I am also aware that all debts are a obligation of the united states and that both companies have already been paid.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.
Complaint sub-issue: Problem getting my free annual report

I am unable to get my free credit report from Equifax via XXXX I answered all identity security questions correctly and was denied access to my credit report. 
I had no problem getting my reports from XXXX and XXXX.
Complaint sub-issue: Account status incorrect

Nelnet is reporting accounts open. The accounts are actually closed, and because they are open can not buy a home or the loans are used against my available income.
Complaint sub-issue: Debt is not yours

To TCI TOTAL CARD INC I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent Any Credit application that was used to open this account that you claim i owe with my signature attached
Complaint sub-issue: Account information incorrect

THIS IS REGARDING A XXXX/CITIBANK CARD ACCOUNT THAT WAS DISCOVERED EST. XX/XX/'17 SHOWING BEING REPORTED AS NEGATIVE ON ALL THREE CREDIT BUREAU ACCOUNTS OF MINE. THE ACCOUNT REPORTED IS LISTED AS " XXXX '', WHICH WOULD BE THE LAST XXXX OF THE FULL XXXX ACCOUNT. I DO NOT HAVE TE FULL ACCOUNT NUMBER.. 
In late XX/XX/2017, I contacted the FTC who advised me to send a certified mail letter to XXXX/Citibank that demanded XXXXhat they verify the validity of the account by providing a copy of my original signature for my examination and comparison. I made a mistake demanding the 7-day limit to comply, which should have been instead 30-days. However, the FTC said that it did not matter because XXXXCitibankwould know that if they failed or refused to comply within 30 days, then the regulations force the creditor to immediately .and permanently and completely purge/delete the reporting from all three credit bureaus. 

I also contacted all three credit bureaus rewarding this specific matter, but only XXXX XXXX has cooperated to delete the reporting. XXXX and XXXX only make the statements that " has been verified by creditor, but 'debtor ' disputes ''. That statement does nothing for me in a situation where the account should by FTC regulation have been long ago deleted. I've been fighting this for more than 150 days, much longer than the statuatorilyt required deletion after 30 days after XX/XX/2017 -- when XXXX/Citibank were notified by fax and certified mail.

See the several pages of PDF attachments with yellow my highlighted comments and clarifications.

THIS MATTER IS REALLY DAMAGING ME, AS I HAVE NO OTHER NEGATIVE CREDIT ISSUES, AND OTHERWISE QUITE A CLEAN, POSITIVE CREDIT REPORT. I AM ELDERLY, HAVE NOT FOR 10+ YEARS NEEDED TO USE CREDIT, BUT NOW HAVE A REASON TO DO SO -- -BUT XXXX/CITIBANK AND XXXX  AND XXXX  ARE SERIOUSLY IN MY WAY.
Complaint sub-issue: Account status incorrect

My wife and I had a personal load from XXXX that was paid on time twice a month automatically taken out of my checking account.I received notice that they were closing there offices and my loan was going to be handled from another company which says to me that this debt was going to be bought from another company. All of the sudden this company shoes up in XXXX 0r XXXX can't remember the year but, my credit report stated that I had a loan totaling XXXX XXXX.But, in the last few years the info has been changed and updated. I have disputed this company twice and all of the sudden this is a Mortage loan in the amount of XXXX. The credit bureau ( XXXX ) has allowed them to update the info but info is missing and incomplete. I called XXXX on XX/XX/XXXX and the rep told me that my first dispute was not done correctly because information was not answered and left blank.I also wrote XXXX a XXXX credit letter 30 days before I called them stating that they need to provide to me all loan documentation that I signed my name to agreeing to this loan and that if I don't receive this info that this info must be removed. That information was not provided to me in 30 days and the information is still on my credit report.Let me say that I filed disputes with Equifax and XXXX XXXX and they removed this XXXX XXXX XXXX info from my credit report and all the inaccurate info in 30 days.This tells me that there is something not right! 
I have never had a Mortage loan in my life! The info sates that the loan Status Transferred, closed. So, if I owed you money and I did not pay then how is the loan transferred and closed and they are no loner reporting late payments.This Mortage fraudulent activity and needs to be investigated. I listted the account info from my credit report below. 
I applied for a Mortage loan and was turned down because of this information on my credit report reports as a inacurate Mortage. Now how do I get that time back to shop for a loan and not have my credit report ding me for hard inquires.Some one needs to pay! Can I sue? 

Account name XXXX XXXX XXXX  Account number XXXX Account type Mortgage Responsibility Joint with XXXX XXXX Date opened XX/XX/XXXX Status Transferred, closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Original balance {$18000.00} Highest balance {$0.00} Terms NA
Complaint sub-issue: Information belongs to someone else

hippa violations : XXXX XXXX two account, XXXX The Fair and Accurate Credit Transactions Act of 2003 is a United States federal law, passed by the United States Congress on XX/XX/2003, and signed by President George W. Bush on XX/XX/2003, as an amendment to the Fair Credit Reporting Ac XXXX 2 XXXX XXXX accounts
Complaint sub-issue: Was not notified of investigation status or results

I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I have disputed inaccurate information off of my credit report numerous of times within the past five years, and the information either keeps coming back on my credit reports or does not come off. I have been a victim of identity-theft back in XX/XX/2012, which fraudulent account keeps appearing and reappearing on my credit report. I have filed a police report. I have sent a copy of the police report and a copy of the identity theft affidavit to all three credit bureaus but have issues with the fraudulent information coming off of Equifax. For some odd reason, Equifax is violating the The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I have filed a complaint with the Federal Trade Commission, filed a complaint with the XXXX XXXX XXXX and nothing have been resolved with the credit bureau. I have submitted a numerous of disputes and nothing have came off of my credit reports. Now, this is my ninth time disputing this fraudulent information, if nothing gets done this time, I will report this credit bureau to the attorney general. Please help me in getting the inaccurate information off of my credit reports. IF this issues does not get resolved. 
Thanks a lot.