Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

XXXXXXXX XXXX XXXXXXXX XXXX Last reported XX/XX/2022 In accordance with the Fair Credit Reporting Act. The account above has violated my federally protected consumer rights for privacy and confidentially. Under 15 U/S/C/ 1681 this Account has violated my rights. 

15 USC 1681Section 602 A states I have the right to privacy 15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish account information with out my written instructions
Complaint sub-issue: Their investigation did not fix an error on your report

I have fraudulent inquiries on my reports.
Complaint sub-issue: Problem during payment process

I had a cancellation with XXXX for 4 trips ; XXXX emailed me on XX/XX/XXXX stating all the charges done end of XX/XX/2019 of {$280.00}, {$200.00}, {$91.00} and {$360.00} were processed back onto my credit card on XXXX. 

I never saw it come back onto my c/c I constantly wrote and emailed Citibank too asking why didn't they give me the credit. I had to file a claim with CFPB over this # XXXX too! 

I received a call on XX/XX/XXXX XXXX from XXXX XXXX in the Direct Executive Office, phone # XXXX, email XXXX. 

She said that the credit was given on XX/XX/XXXX ( so who was lying Citibank or XXXX over this XX/XX/XXXX original credit date? ). Then she said that 'their system backdated the credits to XXXX - which technically isn't correct to basic GAAP accounting procedures either. 

She said that their staff, XXXX on XX/XX/XXXX at XXXX via Citibank portal chat, didn't do their job correctly when she said that they would send me a check for the refund check that amount. That there was an override that would have to be made. 

XXXX said that within 24 hours which would be XX/XX/XXXX, that the full amount of the above 4 charges would be transferred into our personal checking account. 
I emailed XXXX the information she requested regarding XXXX XXXX email ; which was sent XX/XX/XXXX at XXXX. 

Guess what XXXX lied too - there are no funds into our account as of this morning XX/XX/XXXX 6 days later from the first contact with XXXX. 

If we don't have it within 7 calendar days after filing this claim, we will sue Citibank within small claims court ; as they have had our money since XX/XX/XXXX and are refusing to send it back to us.
Complaint sub-issue: Their investigation did not fix an error on your report

I am appalled by the lack of responsibility on your behalf. When will the Credit Reporting Agencies going to fix all the erroneous information on my personal credit file? For the past 6 months my requests have been overlooked. Discontinue the stall tactics and please repair the disputed accounts. I took the liberty t investigate my Credit File, since the Credit Bureaus seems to not do so, and I took notes of the following : 1 ) despite the multiple dispute attempts I have been doing, the Credit Bureaus do not include on the report that the accounts are disputed ; 2 ) the information that the Credit Bureaus do not match each other, there are information that are different than the other Credit Bureau ; and 3 ) the Credit Bureaus are clearly not reporting accurate information on the disputed accounts. I have been keeping my own payment records for each account and what they report on my Credit File is totally different from what I have. I need the Credit Bureaus to remove the late payments from the disputed accounts. 

XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$50000.00}
Complaint sub-issue: Was not notified of investigation status or results

This is crazy! The amount of incorrect information thats being reported on my credit report is ridiculous. These credit bureau should be ashamed of themselves and its not fair that they get to report what they feel like reporting and its hurting my personal life. I wrote a dispute letter XX/XX/2021 and sent it certified so I can make sure they get my letter. Im going to attach all my letters I sent out, return receipts that I got and proof of my Identity. I want this issue resolved immediately. Please help me take care of this matter CFPB. Thank you
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX account number *** XXXX has violated my rights. 
XXXX XXXXXXXX XXXX XXXX account number XXXX has violated my rights. 
XXXX XXXX XXXX account number XXXX has violated my rights. 
Us Department of Education account number XXXX has violated my rights. 
Us Department of Education account number XXXX has violated my rights. 
Department of Education account number XXXX has violated my rights. 
XXXX XXXX XXXX  account number XXXX has violated my rights. 
XXXX XXXX account number XXXX has violated my rights. 
XXXX XXXX account number XXXX has violated my rights. 
XXXXXXXX XXXX XXXX account number XXXX has violated my rights. 
XXXX XXXX account number XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX account number XXXX has violated my rights. 
XXXX XXXX XXXX  account number XXXX has violated my rights. 

15 USC 1681 Section 602A. States I have the right to privacy 15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
15 U.S. Code 1681s2 ( E ) ( i ) ( I ) ( II ) States I have the right to ask that a financial institution remove a default from my consumer report if the financial institution offers a rehabilitation program which requires me to make consecutive payments in a renewed and willingness ability to pay. Notwithstanding any other provision of this section, a consumer may request a financial institution to remove from a consumer report a reported default regarding a private education loan, and such information shall not be considered inaccurate, if the financial institution chooses to offer a loan rehabilitation program which includes, without limitation, a requirement of the consumer to make consecutive on-time monthly payments in a number that demonstrates, in the assessment of the financial institution offering the loan rehabilitation program, a renewed ability and willingness to repay the loan ; and the requirements of the loan rehabilitation program described in subclause ( I ) are successfully met.
Complaint sub-issue: Information belongs to someone else

I sent a letter to remove these items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

Im a immigrant and I would never not pay my bills. This is fraud on my report I nee assistance. Is it because Im a immigrant Im being taken advantage of?. Is it normal practice to be forced to pay something not yours. I can be sent back home if I have disrepect to this country. The people here are dishonest? I need these items and inquireies off my credit to get my citizenship XXXX XXXX  - XX/XX/XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$530.00}, Payment : {$0.00}, Issue : Identity Theft XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$200.00}, Payment : XXXX XXXX, Issue : Collection/Chargeoff XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$130.00}, Payment : XXXX XXXX  XXXX , Issue : Collection/Chargeoff XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$280.00}, Date : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Issue : Collection/Chargeoff XXXX XXXX - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX XXXX XXXX - XX/XX/XXXX , Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX  - XX/XX/XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX XXXX - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX XXXX - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX  - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized
Complaint sub-issue: Account status

Recently I refinanced my home mortgage to a lower interest rate and, because of a bonus received at work, I paid off my all other credit accounts. I included a first and second mortgage in the refinance but did not increase the overall amount owed. To my surprise, all of the credit bureaus ( XXXX, Equifax , XXXX ) lowered my score from over XXXX n XXXX ( good ) to the XXXX, XXXX, XXXX ( poor ) in XXXX! This is counter-intuitive to me. I am in better financial shape now than what I was XXXX! 
I even asked XXXX how they calculated the score. They refuse to disclose the algorithms they use to calculate the score and only provided generalities. 
This is just not fair. I am in the process of going for XXXX jobs where they may pull my credit score and it may prevent advancement in my career.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX - TOTAL VISA : XXXXhas violated my rights. 

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

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.
Complaint sub-issue: Information belongs to someone else

I pulled my credit report and saw a lot of incorrect information. I disputed this information with the bureaus XX/XX/21. I have not received a response nor have I seen any changes to my credit report. The erroneous items on my report has caused me tremendous stress.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX, I contacted Equifax about the following negative accounts XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX,, Balance : {$980.00} ), XXXX XXXX A ( Date Opened : XXXX XXXX, XXXX Balance : {$940.00} ), XXXX XXXX XXXX ( Opened XXXX  XXXX, XXXX, Credit limit {$500.00} ), XXXX ( XXXX XXXX XXXX, XXXX, Credit limit {$1500.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX multiple errors and so inaccurate... balances and dates are totally off... therefore according to 15 USC 1681 THE credit bureaus have the responsibility to report maximum possible accuracy of the information concerning the individual about whom the report relates otherwise the report is invalid so please delete it thank you. or pay {$1000.00} fine per violation
Complaint sub-issue: Can't close your account

I've already filed a complaint regarding this issue which was closed prematurely. The complaint number is # XXXX. BBVA fraudulently reopened my account, in my opinion, in an attempt to get old customers to come back to revive their dying business. They acknowledged that they reopened a closed account, however, they have made no attempt to close the account. My XXXX report shows that the account is still open. BBVA USA needs to be investigated for shady practices.
Complaint sub-issue: Investigation took more than 30 days

This letter is in response to your letter on XX/XX/2017 related to the debt referenced above. I have settled this debt and paid it in full. However, since this was done over 3 years after the property in question was short sold, paying off this debt has restarted the clock as to when the last action on the property took place to when the debt was paid. 
I have paid this debt in full, and it has severely damaged my credit, and took away my ability to buy a house. I am requesting that you delete this account, since it is no longer open, and is paid in full, it will not harm you to now delete this item. 
According to The XXXX letter reporting a derogatory account IS a collection activity, and after the debt is settled ALL collection activities must cease. 
Please be aware that this is not an acknowledgment or acceptance of the debt, as I have not received any verification of the debt. Nor is this a promise to pay and is not a payment agreement unless you provide a response as detailed below. 
I am aware that your company has the ability to report this debt to the credit bureaus as you deem necessary. 
Furthermore, you have the ability to change the listing since you are the information furnisher. 
Please forward your agreement to the address listed above. You have 10 days to respond to this letter. I will be in contact with you to resolve this matter ASAP! 

I was tricked into paying off this account but the companies council. This was only months before attempting to obtain a mortgage, this showing on my credit report as recently paid did extensive damage to my credit worthiness. This account was well passed the SOL period where it should be affecting my credit report.
Complaint sub-issue: Debt was result of identity theft

I am a victim of identity theft. I have been in contact with all major bureaus letting them know that a bankruptcy that appears on my credit file does not belong to me. Two of which have respected my wished and removed the bankruptcy from reporting. However, Equifax and XXXX have not. I have sent in paperwork multiple times with proof that the bankruptcy does not belong to me ; I have filed an FTC report and specifically stated for the information to be " blocked off my credit report file pursuant to section 605B of the FCRA, '' to no avail.
Complaint sub-issue: Account information incorrect

Despite writing two letters to XXXX XXXX to correct my payment history across my three credit cards, they continue to report no payments for XXXX and XXXX 2015 on my credit reports despite my evidence that this is inaccurate. I am enclosing a copy of the electronic payments made for these dates.
Complaint sub-issue: Information belongs to someone else

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX XXXX {$460.00} XXXX  XXXX {$1300.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$22000.00}
Complaint sub-issue: Reporting company used your report improperly

I have recently been trying to get the credit reporting agencies ( XXXX, Equifax, and XXXX ) to do reinvestigations for some accounts on my credit report but they keep coming back as verified as accurate and i am getting tired of it. 

These companies have violated my rights as a consumer and failed to do a proper investigation on my consumer report disputes. They claimed these items have been verified but there are obvious inaccuracies. This tells me that they have violated 15 usc 1681i ( 5 ) ( a ) The following items have not been properly investigated XXXX XXXX XXXX On XXXX this account has been reaged illegally every month and this is falsely manipulating the statute of limitations. And overall this collection agency has violated 15 usc 1692e ( 8 ) for false and misleading representations. They do not have the correct open date which also jeopardizes the statute of limitations. 

XXXX XXXX XXXX This account has multiple inaccuracies that have not been properly investigated. 

1. XXXX has not marked this account as disputed and this is a violation of section 623 of the fair credit reporting act 2. Equifax is reporting a monthly payment of {$65.00} a month when XXXX  and XXXX  are reporting no monthly payment 3. Equifax has reported the payment status as 120 days late when XXXX and XXXX are reporting charged off. 
4. Equifax is reporting this account type as a collection when XXXX  and XXXX  are reporting this as a line of credit 5. There are 3 different dates of last activity. XXXX is reporting XX/XX/XXXX. XXXX is reporting XX/XX/XXXX ( XXXX ) and Equifax is reporting XX/XX/XXXX 6. The date of last payment is being reported wrong. XXXX and XXXX are both reporting XX/XX/XXXX while Equifax is reporting XX/XX/XXXX. This also falsely manipulates the statute of limitations 7. Equifax reports 120 days late every month which is a lie XXXX XXXX XXXX XXXX company has failed to validate the debt 15 usc 1692g ( XXXX and XXXX ) XXXX XXXX. - The date of last activity does not match. XXXX reports XX/XX/XXXX and XXXX is reporting XX/XX/XXXX XXXX  XXXX XXXX has reaged the account because they are reporting the date of last activity as XX/XX/XXXX and transunion reports XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting a monthly payment of {$330.00} when XXXX is reporting {$0.00}. 
XXXX. XXXX and XXXX have failed to mark this account as disputed which is a violation of section 623 of the fair credit reporting act All inquires in my attached letters are in violation of 15 usc 1681b permissible purposes
Complaint sub-issue: Debt was paid

I took out a payday loan from XXXX XXXX, in Ohio, in XXXX. I then enrolled in Consumer Credit Counseling to consolidate and reduce my debt, including payday loans. 

Then a couple of months ago, XXXX XXXX, XXXX in XXXX, GA, contacted a family member of mine, telling my family that I owed XXXX XXXX for this past debt from XXXX. XXXX XXXX   pressured my family member to provide some information regarding this loan, including threatening a lawsuit or criminal charges brought against me. XXXX XXXX told my family member that the statute of limitations on payday loans in Ohio was up to 12 years. I was never contacted in any format, including by phone or through writing in the mail, about XXXX XXXX ' claim of this loan. 

I check my credit score every couple of months, and on XX/XX/XXXX, I saw that XXXX XXXX listed this issue as a derogatory mark on 1 of my 3 credit reports. In this derogatory mark, XXXX XXXX   lists the opening date of the loan as XX/XX/XXXX, which is false information. 

I have filed a direct dispute with the Credit Reporting Agency that lists this derogatory claim on my credit report, and I am currently waiting on the results of this inquiry. 

The name and contact information of this company that is making this false claim is : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX ( XXXX, XXXX, XXXX, XXXX XXXX XXXXt Account # XXXX have 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: Other problem getting your report or credit score

After Starting an investigation with Equifax several times asking them to verified this Fraudulent information. Each credit reporting agencies has a different amount on my report, Equifax reported an alleged amount of {$1000.00}, Inaccurate Information, and the collection company also collecting a different amount. 
Equifax sent me few responses that the account has been verified. How can they verify this account if the collection company can not validate account, I have contacted the collection company several times ( XXXX XXXX XXXX ), and they have refused to investigate the account. 
After starting the investigation, I get a letter from Equifax saying that they were unable to locate my credit file in their data base with the identification information I provided. even thought I sent them everything required by law.

I have never give Equifax a written consent ( 15 U.S.C Sec 1681b ( a ) 2 ) to furnish anything in 
my credit report agency, specially a alleged debt that is not mine. No consent is Identity Theft.

15 U.S. Code 1681n - Civil liability for willful noncompliance Identity Theft Report, fraud report, and XXXX report with current address Id and SSC, collection letter with different alleged amount attached. 

Thank you, Look forward for your response.
Complaint sub-issue: Debt was paid

Back ground : I have been a Citibank customer since XXXX. During this time I have never paid a XXXX of interest and have paid my bills on time. Without warning they cut off my credit creating a nightmare because it is my only card and many payments like insurance are taken off this card. 

Details : Because of XXXX the mail has been very late. the Citibank invoice for XXXX was sent on XXXX but not received until XX/XX/XXXX. In that time I called and requested another invoice ( did not happen ). The full payment check was sent on XX/XX/XXXX, the day after receiving the invoice. It has not gotten to Citibank. 

Consequences : I can not use my credit card. 
Several services have been cancelled because the card on file ( Citibank XXXX was suspended. 
I have gotten an email that my credit score has gone down. It was in the mid 800 's. 

What I have done : I have called numerous times. I believe that I have talked with agents who are in XXXX. I have endured long wait times only to be cut off. When I did get through, I was told to pay {$35.00} late payment toward the payment. I respectfully declined. They have also charged me {$91.00} in interest. 

Conclusion : We have all been affected by COVID and had to make adjustments. Citibank has not taken the steps to deal with this crisis. Why would Citibank suspend my card without telling me? Why can't I deal with someone who has the authority to make decisions? It seems that the rules are hard and fast. With all the circumstances of our time, why is Citibank not more flexible? I now owe the original {$1400.00} plus {$91.00} in interest plus {$35.00} late fee for our XXXX invoice. The XXXX invoice, which should have arrived has not so this will be an additional problem. I can not speak to anyone to solve this problem. My credit score will continue to be affected. This is a nightmare! 

THEIR CUSTOMER SERVICE LEAVES A LOT TO BE DESIRED! 

XXXX XXXX XXXX XXXX 37 year customer of Citibank