Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Billing dispute for services

Citibank discontinued sending statements to me and without notifying me charged my Citi XXXX XXXX XXXX XXXX credit card for their Citi credit monitoring service. I was not using this card for purchases and they began charging my card without notifying me for $ XXXX/mo and accumulating late fees. They discontinued sending statements in XXXX. I only became aware of this in XXXX as a Citibank VP send me a threatening letter that I owed XXXX and if unpaid it would go to collections. 
When I called the outstanding balance since XXXX had become XXXX I paid immediately. I've been a customer since XX/XX/XXXX. I have no debt -- I pay 2 mortgages always on time. I've excellent credit -- yet they managed to trash my credit standing. This is why Americans have lost all trust in banks and their predatory behavior. I'm XXXX and very busy maintaining my obligations. 
This bank never communicated with me about any of this. Last week I received all my statements since XXXX from them. Since I was not using this card for purchases they devised a technique to collect late fees. 
I have worked hard to maintain my good credit standing. Citibank is sabotaging my credit scores. This is both predatory and elder abusive.

Not once did they contact me. If my Citi credit monitoring is not paid why then was the service continued. They had no authority to charge my credit card for these amounts if unpaid for -- so this is another issue. They had no right to report my account to the credit bureaus without contacting me. If they abuse customer like myself -- no debt, always pay my obligations on time -- which I have many years of record to show, imagine what abuse they must render to people that are struggling. 
For me their behavior is unquestionably criminal. They are a criminal and amoral organization. This is not how America use to be. This is the new America -- take advantage of the normal working guy.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX Account # # # # # # 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 a account without my written instructions
Complaint sub-issue: Investigation took more than 30 days

I have Filed a dispute in regards to incorrect items on my XXXX  credit Report. it has been well over 30 days and i haven't received any investigation results.
Complaint sub-issue: Can't get other flexible options for repaying your loan

In XXXX, My parents and I had to apply for a private loan because my older brother and mother used up federal funds and/or they made too much money. I have just over 30k in a private student loan with Sallie Mae. I attended my college through summer of XXXX, paying out of pocket for the summer classes. I had every intention of returning to XXXX  to finish my degree once I was able to get my issues worked out. I was not working or barely working because my parents moved out of state ( far ) and in the country where jobs are limited. I had my loans on deferment for as long as they allowed. I was not unable to return to XXXX because they closed. My credits were not transferable and I had only finished my freshman year of college. I have tried to make arrangements with the loan servicer but every time I call they will not help me at all. I know that if a school closes, federal loans can be forgiven if you apply but my private servicer will not help me in any way. I went back to school for a bit but found an opportunity in skilled trades. I am just starting out and had to move for this job. I bought a townhouse, have a car payment, utilities, credit card payment, gas, food, a dog ( food, medical care ), etc and I live alone but am searching for a roommate unsuccessfully. I am unable to make {$400.00} plus payments a month and survive much less live. Also, I am behind 2 payments currently and my parents are co-signers and are not in a position to help me financially but it is also affecting their credit negatively. Please help.
Complaint sub-issue: Information is not mine

Addresses and accounts on all credit reports are not mine.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account # 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 a account without my written instructions XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXXXXXX
Complaint sub-issue: Public record information inaccurate

To whom it may concern, Reason Code : Violation I have been informing Equifax in writing since XX/XX/XXXX about inaccuracies regarding a Public Record they are reporting on my credit report. They have failed to perform a proper investigation and continue to claim the Public Records have been verified as accurate and/or verified by XXXX XXXX a third -party vendor. This went on from XXXX through XXXX. 

Next, I received a letter from Equifax in XX/XX/XXXX stating the disputed items have been verified by the Credit Grantor ( s ) and that they will NO LONGER investigate unless I sent documents to support my dispute. Again, I sent them all information to support my dispute. 

Finally, they noted on my report that my dispute is not specific. However, Ive been very specific about this matter. I included a copy of the original dispute asking them how they verified this information because information regarding the Bankruptcy wasnt correct. A list of the errors has been outlined on numerous occasions, sent letters via certified/ signed receipt along with a copy of the credit report highlighted in yellow. After they kept telling me it was verified, I reached out to the Federal Courts via- telephone and in writing, asking if they furnished information to the bureaus about my public records and they informed me they do not confirm, furnish or verify public records with no one. The court mailed me a letter reiterating what they had informed me over the telephone. I then forwarded a copy of that letter, another detailed list of inaccuracies regarding the Public Records, a copy of my XXXX XXXX letter that also indicated my information was suppressed, a copy of my utility bill, drivers license and utility bill as proof of my residency. Regardless of what I have sent, they have not fully investigated this account. Im requesting this item is deleted from my report. 

XXXX is also in violation and continues to state verified. However, they report they sent me on XX/XX/XXXX XXXX shows the last date they updated information regarding my Public record disputes was XX/XX/XXXX. Again, I've been disputing for four months. 

XXXX  s also in violation. Their report dated XX/XX/XXXX states the item remained unchanged from their processing of my dispute in XX/XX/XXXX. Again, I've been disputing for four months
Complaint sub-issue: Account information incorrect

XXXX XXXX/CBNA XXXX I was NEVER LATE on this account. CBNA is reporting multiple inaccuracies on my credit file. I've contacted the credit several times and have yet to receive a response or explanation. 

I have attached my bank statement from XX/XX/2018 through XX/XX/2018. Correct the errors immediately or delete this account off my credit file! 

I've contacted the credit several times and have yet to receive a response or explanation..
Complaint sub-issue: Trouble with how payments are being handled

We are trying to make additional principal payments monthly on top to the auto debit payments. We call the customer service center to make the additional payment. When we do this the auto debit get allocated incorrectly. We then have to make at least three additional phone calls to fix this. During this time more interest has accrued on the loan which diminishes our ability to pay the lone off quickly. This is a consolidated loan, which we where told that we can indicate which balance we want to apply the additional principal reduction to. Very frustrating and seems like a scheme to keep us paying on these loans longer. 

Customer service is always very friendly and helpful although they can never fix the issue.
Complaint sub-issue: Card was charged for something you did not purchase with the card

1 ) By correspondence dated XX/XX/2019, I received notice that a Home Depot Credit Card issued by Citibank was approved ; however, I never applied for any such account and notified the creditor of same. 
2 ) Notwithstanding the above, on or about XX/XX/2019, I received an Account Statement listing charges in the amount of {$1500.00} for " flooring '' merchandise bought at a Home Depot store in XXXX XXXX, NJ on XX/XX/2019. I did not purchase the merchandise. 
3 ) On XX/XX/2019, I contacted the creditor and initiated a fraud investigation. The account was closed. 
4 ) By correspondence dated XX/XX/2019, I received notice that an investigation had commenced by the creditor and I was not responsible for any charges during the course of the investigation. 
5 ) By correspondence dated XX/XX/2019, I received notice that the investigation was complete and it was determined that I am responsible for the charges in question and that the charges have been re-billed. 
6 ) I never purchased the merchandise and was not involved in the creditor 's investigation. The merchandise was bought as a result of fraud and I am not responsible for any of the charges. I hereby reserve all of my rights and remedies. 
7 ) All documents referenced above are attached.
Complaint sub-issue: Information is missing that should be on the report

1 ) I have tried to keep a great fico of XXXX since XXXX, never missing a payment or been late, paid off a XXXX truck loan & am in my 4th house since XXXX ; and even when I have had no auto loans or CCard debt in XXXX with a small mortgage of {$630.00} mo including taxes & ins the highest my fico would get is " XXXX '' with 34 yrs of never being late or missing a payment on anything, how is that possible? 
2 ) I just got a XXXX XXXX  XX/XX/XXXX ; along with the card Is a XXXX  credit score of XXXX, So I download my 3 credit reports flawless on payment history, took a hit on length of credit history & debt to income- medium impact.I went into some CC`s that I have open with & without a balance who offer your fico score from XXXX  they go from XXXX. Something is not right here. I have fought the 3 bureaus & fico with the help of fl. attorney general`s assistant Ms , XXXX XXXX XXXX back in XXXX she also thought something didn`t look right after me sending a package with my 3 credit reports & opened up an investigation, but It didn`t go anywhere but she did try. Here in Fl everything Is based on your credit score auto, boat, home, Ins`s, ; interests, & even when you might apply for for an apartment, house rental
Complaint sub-issue: Information is missing that should be on the report

In XX/XX/XXXX, I filed a complaint against Equifax. Since that time, Equifax was supposed to be verifying that the information on my credit report was accurate. Unfortunately, after I filed the complaint, my credit score has dropped nearly 30  points, as opposed to the other 2 credit bureaus ( XXXX  and XXXX  ) who both have increased my credit score. There was no reason my score would have decreased so drastically only out of retaliation from my complaint. I have also had a secured credit card with open XXXX  XXXX  XXXX  since XXXX. Equifax has failed to acknowledge that on my credit report now. I lost my credit card in XX/XX/XXXX, and was reissued another card, but Equifax doesn't acknowledge my positive payment history over the last 2 years. Each month my credit with Equifax has dropped, with Equifax and I am unsure why. My credit score with Equifax is XXXX, there is a nearly 70-123 score difference. Equifax also continues to have an address on my credit report that is a fraud alert, as I have never ever lived at the address!!! ... .This is a continued reluctance on the part Equifax to do its due diligence and report accurate information on my report. Please help.
Complaint sub-issue: Other problem getting your report or credit score

I try getting a copy of my credit report sent to me by mail from equifax and they wouldnt send me a copy of my credit report at all
Complaint sub-issue: Information belongs to someone else

These are not my accounts. I have submitted my personal documents to depict who I am. Please remove these accounts in its entirety as it's hindering my employment.
Complaint sub-issue: Their investigation did not fix an error on your report

The reporting agency didn't send me verification of their process on validating my report was accurate. I sent another letter out today.
Complaint sub-issue: Information belongs to someone else

I noticed unauthorized accounts opened on my credit report. Please remove and block all accounts from my credit history!
Complaint sub-issue: Personal information incorrect

Names and addresses and also work places and phone numbers show up on my credit report that do not belong to me. Please removed these list of names, addresses, phone numbers, and employment from my credit report. 

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 and XXXX XXXX XXXX
Complaint sub-issue: Personal information incorrect

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX 
Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. I would like a full copy of my report.
Complaint sub-issue: Their investigation did not fix an error on your report

I filed a complaint with the credit bureaus for validation of this account. This was account as deemed as updated and accurate. I then filed a complaint directly with XXXX XXXX XXXX by certified mail which included my full name and account number as listed on my credit report. After I had not received a response, I contacted them via XXXX XXXX on XXXX/XXXX/XXXX. After our conversation there, a representative from their company contacted me. Upon speaking with the representative, I provided their requested information to identify this account. I did not provide them with the account number. However, my account was located and I was told I would receive a letter in the mail with all of the information regarding the verification of the account. However, I received a letter dated XXXX/XXXX/XXXX stating I did not provide them with enough information for them proceed with their investigation and must consider it closed. 
I 'm confused. I spoke with them the day after the letter was composed. How is it that the information provided on XXXX was not used to verify the information they continue to report to the credit bureaus on this very old account. The balance was paid in full.
Complaint sub-issue: Account status incorrect

I have two accounts that I and the Creditor themselves have sent proof for deletion off of my credit reports. The account XXXX XXXX ( open date XX/XX/XXXX ) is reporting at " unpaid '' and " collection account '' on credit bureaus Equifax and XXXX. I have sent proof from creditor to both credit bureaus by fax, mail, and online. As have the Creditor themselves. I have spoke to XXXX XXXX numerous times and they confirm with a control number of sending proof to both Credit Bureaus. Every time I call Equifax and XXXX they say its " in dispute '' or " its placed in collections ''. They never accept the control number I try to give them from XXXX XXXX. This collection is in the amount of {$2600.00}, which was paid back in XXXX. The account with XXXX XXXX XXXX ( open date XX/XX/XXXX, XX/XX/XXXX ) stating " Collection account '' and account seriously past due date etc. '' This collection is being reported to all three Credit Bureaus, XXXX, Equifax, and XXXX. I have sent proof to all three Credit Bureaus from the Creditor by fax, mail, and online to have account removed completely from my credit reports. They have yet to remove any and tell me the same thing every time I call about the proof I 've sent. They say " call back in 48 Hours '' or " its under review '' but nothing is getting removed. The balance on this account is {$590.00}.
Complaint sub-issue: Reporting company used your report improperly

In accordance to the Fair Reporting Act XXXX XXXX XXXX XXXXXXXX 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: Charged too much interest

I am a good customer, I pay my bill on time every month. The interest rate is over 17 %. This high rate is hindering my ability to pay down my bill. I called the company a few times to get the interest reduced just as I did today XXXX. Both customer service reps and the supervisor told me that everyone gets charged the same rate. This is a ridiculous amount. They are unwilling to help. I signed up with XXXX  for their card a few years ago and they moved the card to citibank. What a mistake, I will no longer use the card or shop at XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair credit reporting act XXXXXXXX XXXX XXXXXXXX violated my rights 15 u.s.c. 1681 section 602 a .states i have the right to privacy 115 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. 166 b a creditor may not treat A payment on a credit card account under an open end consumer credit plan as late for any reason
Complaint sub-issue: Their investigation did not fix an error on your report

Im a victim of identity theft someone got my information and used my cards and ruined my cards, I contacted the companies and let them know what was going on. They removed the negative items on my report now its back on my report.
Complaint sub-issue: Was not notified of investigation status or results

I suibmitted a dispute to Equifax on XXXX, they have failed to respond to my letters sent to them, and I am now demanding a full investigation. I am attaching the letter I sent on XXXX to them.
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX  XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : 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
Complaint sub-issue: Received bad information about your loan

Why do you ( Earnest ) keep taking payments from my checking account without telling me when you will take them out of my account? It says my next payment isn't due until XX/XX/XXXX! I've taken a screenshot as proof. I know I signed up for biweekly payments, but you need to show those dates if you want me to have money in my account! I only have {$4.00} left in my checking account now because of you. Not cool. It's like you're making the payment process purposefully non-transparent.
Complaint sub-issue: Information belongs to someone else

I Reached out to the creditor to have the fraudulent inquiries removed. I have never applied for any lines of credit or gave anyone authorization to obtain any lines of credit on my behalf. and they notified me that the information was sent over to the credit bureaus to be removed and its been well over XXXX  days and I have yet to receive and update for removal from my credit report.
Complaint sub-issue: Was not notified of investigation status or results

I sent a letter previously, asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly.

I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Their investigation did not fix an error on your report

Then inquires are too old and not authorized have not been removed
Complaint sub-issue: Information belongs to someone else

PRIVATE PERSONAL SOCIAL SECURITY ACCOUNT INFORMATION IS BEING/HAS BEEN SOLD/TRADED WITHOUT AUTHORIZATION AND REPORTED FOR PROFIT AS PER INQUIRY TRESPASSING AGAINST THE ESTATE CAUSING COMMERCIAL INJURY UNCONSTITUTIONALLY ENCUMBERING INTERSTATE COMMERCE THROUGH ORGANIZED CRIMINAL ACTIVITY FOR PROFIT. 

SECURITIES COMMODITIES EXCHANGE CIVIL AND CRIMINAL R.I.C.O. 
AT PRESENT IT IS REQUIRED THAT UPON YOUR FAILURE AN INABILITY TO VALIDATE THE FOLLOWING INQUIRIES AND WITH A WRIT OF INQUIRY OR LETTER OF AUTHORIZATION OR LETTER OF ATTORNEY EACH BEARING ORIGINAL WET INK SIGNATURES FROM MYSELF THE EXECUTOR, THE INFORMATION IS TO BE DELETED AND EXPUNGED FROM THE CONSUMER CREDIT REPORT WITHIN TEN ( 10 ) CALENDAR DAYS. NOTICE OF INTENT TO LIEN FOR CONSTITUTIONAL VIOLATIONS AND CRIMINAL RACKETEERING VIOLATIONS AS PER 18 U.S.C. 1962 AND 1963 PURSUANT TO 15 U.S.C 1 & 3 & 13 IGNORANCE OF THE LAW IS NO EXCUSE FROM THE LAW. SANS RECOURSE.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX, Equifax, XXXX Mailed in my factual dispute for " co '' still reporting on a dead account, the accounts are still up and reporting, this is changing the statue of limitations which is stopping me from getting a home. This was XX/XX/2021.
Complaint sub-issue: Indicated you were committing crime by not paying debt

Your debt validation is confusing, some text is unreadable and my name is also misspelled. You might be mistaking for someone else, My last name is XXXX not XXXX not shows that my name is XXXX and just who is that? I need more precise information so please send me something that specifically shows each and every piece of information requested on my debt validation request. If you can not provide me complete and clear information please remove it. That is not a validation of debt.