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

I want to bring to your attention a great injustice done to me by my mortgage company XXXX XXXX ( actually XXXX  ) by reporting me to XXXX XXXX with a fake late mortgage payment. 
I have my mortgage on my condominium since XX/XX/XXXX and I paid every month in time. NEVER missing a payment or being late!!!! Working hard for over 10 years to build a great credit score of XXXX!!! 
In XX/XX/XXXX I received my last mortgage statement XXXX XXXX my principal being XXXX ( XXXX! ) $ after I made the payment in time. In XX/XX/XXXX I contacted XXXX for payoff, I send a cashier check of XXXX in XX/XX/XXXX if XXXX. 8 days later I found that the cashier check is lost and I cancelled it and send a new one XXXX in XX/XX/XXXX of XXXX. I also send it to you the received and the trucking number for the cashier check. 
With shocking surprise I receive in XX/XX/XXXX another bill for mortgage payment in sume of XXXX XXXX 
When I talk with them over the phone they told me that is a mistake, that the system is still generating mortgage payments because my mortgage maturity date is XX/XX/XXXX. They also told me that I should disregard the bill and that they will fix the system and I will no receive another bill for mortgage payments!! 
After weeks of talking with XXXX  on the phone, more than 14_15 phone calls and hours spended with them on the phone, I found out that they actually reported me beeing late and they XXXX my credit score from XXXX to XXXX now!! 
Is a big injustice!! Is fake, stressful and very dissatisfied after years of payments in time!! 
I consider XXXX beeing very unprofessional, fake, untrue, never looking for facts or verify the payments, just spreading fake informations. I will never look forward to deal with them for any other loan, never recommend them to anyone!! 
Please fix my credit score or I will look for justice in court. Just check all the fact and bring the true to the life. 
Thank you! 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX IL XXXX XXXX XXXX Loan number XXXX
Complaint sub-issue: Public record information inaccurate

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below. It is listed that XXXX XXXX is the 3rd party Furnisher of this bankruptcy listing but when I reached out to XXXX XXXX, they show no record of the bankruptcy. I have attached a copy of the letter and I want you to remove this inaccurate tradeline from my credit report. I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results.
Complaint sub-issue: Investigation took more than 30 days

I had previously submitted a complaint regarding their continued reporting unvalidated and fraudulent accounts as well as unauthorized and illegal inquiries. They said they would take it seriously in response to that complaint but are still doing the same thing and not correcting the problems as promised. Attached are letters showing items the companies said they removed but they still report and say verified.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX Complaint ID : XXXX Account : XXXX Notice # 2 To whom it may concern, I reviewed the letter that you have sent me in regards to my dispute and there are some things you did not address. I have provided the errors that are on my account and it seems that you refuse to comply with the Laws that are provided. 

Under the FCRA data providers are to respect consumers ' rights to privacy and in which you are violating this because you are furnishing my personal information to third-party agencies. 

Reports that contain information as to transactions or experiences are to be excluded from consumer reports. 

Also, as I stated before, the name reported is incorrect which is grounds for deletion. As a data furnished, you are to follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual to whom the report relates. 

Again, the information you are reporting is inaccurate and I demand that you promptly delete this account from consumer reporting agencies or I will have to file charges for willful noncompliance because this is my second time informing you of the errors and violations as you choose to ignore them. I will also file charges for failing to comply.

Please address ALL violations in a 30-day period and failure to do so will be considered discharged and will need to be removed in full and removed from all consumer credit reporting agencies, not limited to XXXX, XXXX, and Equifax. 



Thanks again for your cooperation, XXXX XXXX
Complaint sub-issue: Personal information

All XXXX credit reporting companies, XXXX, XXXX, equifax ALL created a new credit history file for me when I changed my name. My SSN remained the same. I am a XXXX woman and I was having trouble getting credit after my XXXX. When I looked into it I found that all of the credit reporting companies had XXXX files for me. XXXX under my old name and XXXX under my current legal name. I am still in the process of getting this corrected, which means having them merge the XXXX files. They had instructed me to ask all of my old CC and bank loan companies to re-report the information with my corrected name. The ones that would, did but, it STILL did n't show up on my credit report. The merging of the XXXX files for each credit reporting company is where I am now. It has been a HUGE time consuming process. Many days worth of time spent on the phone to correct this issue which NEVER should have happened XXXX. XXXX they should have just started reporting my new name and new credit cards as part of my existing record based on my social security number. If I had an issue with it, i.e. if someone else had this happen they would see it on their credit report and dispute it. So, why is n't this the default? Being a XXXX person in this society is hard enough. Why do we have to start our credit history all over when we are just trying to live as ourselves. I do n't think most XXXX people would go through the long wait times on the phone and the getting run around ... when they have XXXX records that should just get merged. If I had n't had credit monitoring from before my name change and after I do n't think I would have noticed what was going on ... well not as fast. ALSO, regardless if someone is a XXXX. If someone starts using another person 's SSN with whatever name they want, they can build a credit history. So, this is making it easy for someone to create a fake identity / life. 
Please see about getting the credit reporting companies policy changed with regards to SSN and names. 
Thank you. 
A XXXX year old XXXX XXXX with 12 years credit history from when I was a XXXX and 2 years as a XXXX. Once my files are merged I will finally all 14 years of credit history that I deserve.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Equifax illegally reinserted an alleged account from XXXXXXXX XXXX  on my credit report. This account was removed in XX/XX/2021 and upon checking my credit today I noticed that equifax reinserted account dispute the fact account was already removed, despite the fact they sent me no written notification of the reinsertion Thai is unfair please make the necessary adjustment to my account
Complaint sub-issue: Information belongs to someone else

These are fraud accounts, I didn't authorize these inquiries
Complaint sub-issue: Didn't receive enough information to verify debt

I disputed information on my report that I belie ve may not  be correct. Certified letters were sent and received by the company on  XXXX   XXXX  and  XXXX   XXXX . The company failed to mark this account as disputed within the 30 day period. They have violated the FDCPA and FCRA.
Complaint sub-issue: Reporting company used your report improperly

Hello, Ive been a member of Credit Karma for years. Ive been denied by 3 lenders that they told me, Ive been pre-approved for. These inquiries made my credit score drop tremendously. Making it even more difficult to get approved for anything. They suggested I applied to improve my credit score, due to me not having a credit history. Now, its hard for me to do anything. This was false advertisement.
Complaint sub-issue: Need information about your loan balance or loan terms

My name is XXXX XXXX and Im a natural person/ consumer and Im submitting this complaint on the behalf of myself without influence from any third party being involved.
Complaint sub-issue: Frequent or repeated calls

I received a phone call from a phone number showing as  XXXX  on  XXXX / XXXX /  XXXX  . A voice mail message was left stating that they were calling " regarding a formal complaint being filed '' against me and that if I had information in regards to the where abouts of this individual, to contact them immediately at  XXXX  a s the next step would be filing the necessary paperwork with the local county court. '' The same m essage was left on numerous family members voice mails. I called the number provided in the voice mail the same day and spoke with  XXXX   XXXX . He told me that they were in the process of charging me with bank fraud and that I had a last chance at restitution by paying {$650.00}. He said the debt was in regards to a payday loan advance. I told him that I had taken out  XXXX  loans in  XXXX  and all had been repaid. I told him that I was not going to pay another debt until I was provided written proof of the validity of the debt ( I have received no paperwork from this company in regards to this debt ). I told him that I was told the last time I received a phone call like this about a payday loan that I had paid, I was told that sometimes the debts are sold and the records are not updated accordingly. I told him I was not going to continually blindly pay these debtors without having proof of the debt. I also told him that I had been told previously that providing documentation in regards to the validity of the debt was not possible and that I could only obtain that kind of information in court. I also informed him that it was NOT ok to continually call my family members in regards to a debt that they claim belongs to me. He stated at that time th  at GVA Holdings does not make any outgoing phone calls. I asked him who was making the phone calls. He stated that they hire a company to do that. I told him that they and GVA were violating the FDCPA. He said that GVA was not a debt collector. I asked him what he was attempting to do when speaking to me then?
He said " provide a method of restitution. '' I said he was attempting to collect money from me to then in turn hand it to a creditor, thereby COLLECTING A DEBT. So they are basically trying to skirt any compliance with the law by hiring a company to make their collection calls. The conversation ended with me telling him that I would not pay the debt or even agree to the debt unless I was provided written proof of the validity of the debt. They continue to contact me and various family members continually to date. All I am asking for is 1. they stop harassing my family members ( and violating the law ) 2. proof of th  e debt. This debt was incurred over 10 years ago!!!! I have paid several pay day loans to date. I will not continue to blindly pay these people simply because they call me and say I owe them money and continue to threaten and harass my family and I. They have, to date, failed to provide any written documentation in regards to the debt. I have not received a single letter from them.
Complaint sub-issue: Account information incorrect

Late last year in XXXX I heard about a company named XXXX, an App that could assist you with increasing your credit score. At the time I was looking for products to do just that, I debated for a bit because this particular company requires a down payment. Eventually I went ahead and moved forward I signed up and gave a security deposit of {$150.00}, the idea is you are borrowing against your own money and they report it as a trade line to the bureaus to assist with your credit. Everything was okay at first until one day my bank account which must be synced was disconnected. XXXX has essentially poor communication with their customers, I found this out when the issues raised. Due to the lack of real communication and explanation of why my account would disconnect or why I wouldnt be able to log in at times payments would have issues because the only way to make payment would be via autopay with synced account, or through the app to my knowledge. XXXX started to report me to the bureaus for late payments in the midst of me emailing them for assistance to get access to my account to make payments. They have virtually no response to emails outside of copy paste, their number doesnt give live agent access. If you dispute them with the bureaus you get no response from this creditor they just respond to the bureaus again with inaccuracies, The bureaus keep allowing them to report inaccurate information even when I provided proof. I even reported them to XXXX  and they were dishonest about following up with me repeatedly. Fast forward to this month they took {$120.00} from my bank after reporting my account as a charge off and still not responding to my correspondences. No explanation, my account is now paid in full and they refuse to update the bureaus with accurate information that the account is paid in full they refuse to delete the accounts from the bureaus and they refuse to return the security deposit. I dispute this with the bureaus and provided proof that they are indeed not reporting correctly and the bureaus still wont correct the information and are allowing inaccurate information to be reported! After doing research I should have done from the beginning I realized I am not the first customer to experience this with this company or the bureaus in relation to this company! They have ruined my credit history, essentially stole my money and at this time seem illegitimate. So I am reporting them in hopes that they stop this poor practice of false reporting and not communicating, or validation of the information they send. The bureaus are investigation must be more thorough to determine what is legitimate and what is not this is unacceptable.
Complaint sub-issue: Their investigation did not fix an error on your report

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX/XXXX XXXX ; XXXX/XXXX XXXX ; XXXX/XXXX  XXXX ; XXXX XXXX and XXXX XXXX XXXX
Complaint sub-issue: Old information reappears or never goes away

Please remove outdated information from credit report, information is inaccurate and outdated, this is stopping me from progress, This is not my first time contacting you all about this, thank you to whoever can help! God bless you!
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

On XX/XX/XXXX, I received a notice from CITI that they were going to decrease my credit limit because of a " delinquent credit obligation. '' I called within a day or two of receiving that notice and informed CITI that the subject of the " credit obligation '' in question was a fraudulent account that was created through an identify theft. I told them that I had reported that fraud, opened a police report, reported it to the three bureaus, etc. The CITI person told me that I had to go back and redispute the payment history and then call back to CITI again. 

I have made each payment to CITI timely and do not have a single late payment on my credit report, which of course can be verified. 

Today, XX/XX/XXXX, I just finally received confirmation that the fraudulent account has finally been closed, removed from my credit, and that no bad payment history is showing. 

I called CITI again to confirm that this had finally been closed out. However, CITI now tells me that because we are outside of the " 60 day window '' for reconsideration of the credit decrease, that they will not change their decision. When I called in XXXX, I was never informed of any " 60 day window. '' The customer service agent attempted to do a credit increase today, XX/XX/XXXX, and, of course, it was declined. 

CITI has hurt my credit score and credit report by decreasing my credit to an amount close to where my balance is. This makes it appear that my credit is maxed out and hurts my debt to credit ratio. This was all done improperly, even after I notified CITI of the fraud on my account and in spite of going through the effort to have it removed, as they said, but what CITI really has done is to put me on a wild goose chase. 

CITI should restore my credit back to where it was, they had no cause to hurt my credit score in this manner. 

For anyone else reading this account about CITI, do not do business with them.
Complaint sub-issue: Didn't receive terms that were advertised

I had opened a Citi priority checking and savings account on citi 's website following a promotion link where it was stated that if I open the Citi priority account and maintain a combined balance of {$50000.00} in both of my accounts for 60 days, I will receive a cash bonus of {$700.00}. 

I followed all the terms and conditions of the account and maintained the required balance however Citi is now refusing to honour the cash bonus of {$700.00}. 

After opening my account, I followed up with their customer service to confirm that if I have met all the criteria for the bonus and they did confirm that I have met the criteria and I should receive my bonus by XXXX XX/XX/XXXX. I have screenshots of my chat conversation to prove the same. 

I have contacted Citi bank customer service via chat and phone calls several times since then and every time they tell me different things. They rejected my first dispute stating that there was no promotional code attached to my account. The second dispute was rejected stating that the promotional code I had provided to them ( which was the code given to me by their own customer service rep over the phone ) is not valid. The third time, I was told that they will attach a new code to my account and I will get the bonus once the respective department reviews the code details. However, I have still not heard back from them. 

This has been ongoing for several months now and now Citi is telling me that I need to produce a letter stating that I opened the account under that promotion. Since I had opened the account through their online link, I do not have any specific document stating the promotion conditions. I have explained this to them several times but they have still not given me any satisfactory responce. 

Citi has held my funds of {$50000.00} since XX/XX/XXXX and after so many months they are now telling me that I am not eligible for the bonus. 

If this was the case, why didn't they tell me about that when I enquired with their customer service. I was being lied to by their customer service. 

Since I am not getting positive feedback from Citi, I am registering this company with your department hoping for a positive outcome. 

I will appreciate it if you can please help me in getting my bonus cash reward. 

If you need any other detail in order to process my complaint, please let me know. 

Many thanks XXXX XXXX
Complaint sub-issue: Account information incorrect

I have repeatedly disputed inaccuracies on an account called XXXX on my Equifax credit report. Equifax has responded that they verified with the creditors the account information. However that can not be true because XXXX  is reporting different account information, such as the high balance, different payment status, last payment date, account type and credit limit amount. According to the FCRA the Equifax is supposed to verify and report accurate information or they must delete. Equifax is violating my rights under the FCRA, which is illegal. Equifax has never sent any method of verification, who they spoke with or how they verified this information. Equifax needs to delete this account since they can not verify and report accurate information
Complaint sub-issue: Old information reappears or never goes away

The following accounts should not be on my credit report. They do not belong to me and/or are inaccurate and incomplete XXXX  XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX I request that you delete the above-listed tradelines and provide me an updated copy of a consumer report prepared by you that you maintain and publish concerning me to third parties. Inform any and all persons that you published the disputed information to that it has been deleted. If you conclude that the tradeline item is verified, I request details of your method of verification. In addition, I request a description of the procedure used to determine the accuracy and completeness of the information of the above-listed disputed information that you included in a consumer report that you prepared and published concerning me, including, but not limited to, the business name and address of all furnishers of information contacted in connection with such information and the telephone number of such furnishers when you initially prepared the consumer report with the information, investigated the data, and reinvestigated it due to my current dispute. 

Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Therefore, I request that any future inclusion of consumer information concerning me be sent to me first for my review before you prepare and publish any information in a consumer report about me so that I can confirm the accuracy and completeness of the same. Accordingly, I may be contacted at my address.
Complaint sub-issue: Debt is not mine

I disputed this collection and it was removed from credit history on XX/XX/XXXX. I have received a letter dated XX/XX/XXXX attempting to collect the same debt for the same amount again.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX is a closed account and shows a XXXX of {$3700.00}. 
XXXX XXXX XXXX was reported on in XX/XX/2016, and now states an open date of XXXX XXXX, which is completely false and inaccurate. I have no knowledge of either account.
Complaint sub-issue: Debt is not yours

LJ Ross collection agency for XXXX  XXXX erroneously placed a collection account for {$510.00} which is the same as XXXX  XXXX Account XXXX on my 3 credit reports ( i.eXXXX, XXXX, and XXXX ) as per LJ Ross letter dated XX/XX/XXXX. Conversely, on XX/XX/XXXX XXXX sent me notification stating that final balance of {$510.00} for XXXX XXXX Account XXXX have been TRANSFERRED to my current XXXX account. {$510.00} for XXXX XXXX Account XXXX is on my current XXXX  XXXX account. This LJ Ross collection agency account XXXX must therefore be REMOVED from my 3 credit reports ( i.e.XXXX, XXXX, and XXXX ). REMOVE THIS LJ ROSS COLLECTION ACCOUNT XXXX FROM MY XXXX, XXXX, XXXX CREDIT REPORTS BECAUSE DEBT WAS TRANSFERRED TO MY NEW XXXX ACCOUNT. I will sue LJ Ross and XXXX.