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

We took advantage of Midland Mortgage 's Covid19 6 month relief program after paying our XX/XX/XXXX mortgage payment. We relieved ourselves early from the program on XX/XX/XXXX, paid the amount that had been deferred, as well as our XX/XX/XXXX mortgage payment. We were then reported to the credit bureaus for not paying our mortgage. After 7 phone calls between XX/XX/XXXX-XX/XX/XXXX to the mortgage company, we were informed on XX/XX/XXXX it had been fully taken care of and would be removed from our report. 
After being denied for a ( unrelated ) credit card due to delinquency on an account, we called XX/XX/XXXX to be informed not only had they not been contacted to remove the error, we were still listed as our account being deferred - despite making monthly payments since XX/XX/XXXX.
Complaint sub-issue: Personal information incorrect

Names and address reporting incorrectly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Fl XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX, XXXX, NJ XXXX
Complaint sub-issue: Information belongs to someone else

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block this item listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block this account as they are fraudulent & were opened without my consent or knowledge CITI XXXX Date Opened : XX/XX/2016 Balance : {$5600.00}
Complaint sub-issue: Account status incorrect

There is a 30 day late payment reported on my XXXX and XXXX report and a 60 day on my XXXX. I believe this report is in error. I have reached out to Disputes PO box provided by PNC bank on 3 occasions and did not receive response.

I agreed to set up autopayments on the account for a minimum of 12 months when the payment was 16 days late, and have long since paid off any remaining balance. I paid late fees associated with the account accepting that a late payment prompts a fee. But feel 16 days late should not be reported as 30 and 60 days late to the credit reporting agencies, a mark that will remain for 7 years.

Called customer service first rep said open a dispute with credit reporting agencies. I filed a dispute with each agency, and the disputes representative for each one said contact the bank to try and correct this issue.

Contacted bank again that day, was told need to escalate case will hear back in 24 hour
s, it took 5 days for the agent " assigned my case '' to contact me, after having to reach out to customer service 3 additional times over 3 days, who then transferred me to another team member who said send letter to the same po box , after stating I have already done this she replied " well this escalation is now closed '', and would not provide contact details for anyone who would actually work on my dispute.

Over the past week I have spent over 10 hours on the phone " on a recorded line '' being transferred from department to department, being told " that's not my job '' told that " 30 day late payments are not even reported '', " call this person '', and " we will remove the mark, '' ect ... I asked to be transferred to a manager in the escalations department and told " I will not be connecting you to them, your case is closed. '' I feel this is an unreasonable response to customer service request, and no representative actually even listened to my complaint that 2 reporting agencies show account as 30 days late and 1 as 60. I feel the electronic reporting system is in error and all I was asking for is a human to review the details. I even pulled up my statements and see that the XXXX statement had a due date of XX/XX/2018 and a full payment was made on XX/XX/2018 only 16 days late.
Complaint sub-issue: Account information incorrect

I saw 3 " Hard Inquiries '' listed on my credit reports that I do not have any record or recollection of authorizing. They are all dated in XX/XX/2019. I would like them removed and the fraud, if found, investigated.
Complaint sub-issue: Account information incorrect

I have noticed that the balance of my loans has more than DOUBLED out of the blue. I went from XXXX to over XXXX!! That is IMPOSSIBLE and I cant get anywhere with the lenders. I would have to have gotten a ridiculous number of degrees to have this even be feasible. 

Please help!! This is also concerning ; XXXX reported each course as a single loan?? This MEANS it looks to the world like I was awarded many dozens of single loans. THIS RUINS credit scores NO MATTER how good my credit is otherwise! I am beyond upset and overwhelmed and do not know where else to turn for guidance and help.
Complaint sub-issue: Personal information

I have never resided at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. That is a completely foreign area to me.
Complaint sub-issue: No notice of investigation status/result

I have disputed inquiries on my Equifax credit report and asked for proof of the inquiries or delete from file. Proof was not provided. Instead I received a letter explaining inquiries. I do not need an explination of what an inquiry is. I proof or a deletion of all inquiries.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021, I requested my annual free report to CrossCheck locate en XXXX, CA. This company answered me with a PERSONAL STATEMENT, which was written by XXXX XXXX, in which he stated that THERE WAS ANYTHING NEGATIVE IN MY REPORT. I responded to Mr. XXXX that I appreciated his PERSONAL OPINION, but I was requesting my report. Mr XXXX promised to send my report, but for my surprise, he sent THE SAME INFORMATION THAT HE HAD NOT FIND ANYTHING NEGATIVE IN MY REPORT. I Called again to CrossCheck, but now he hung up the phone or the secretary doesnt answer me the phone. I REQUEST MY REPORT. Thank you for your help.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX Balance : {$29000.00} ; XXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXX Balance : -
Complaint sub-issue: Problem with customer service

I was sent a credit card from Bank of the West. 
It is supposed to have 3 % cash back and a XXXX dollar bonus if i use XXXX in 90 days I am unable to get or even see any of these benefits because they wont let me open an " online account '' to manage my credit card several days of trying and hours with there customer service on the phone gets me the answer that " my account needs to be verified. They will let me know when that happens '' along with long hold times and switching reps to start over with and being hung up on. 

Since the credit card already works, I can not imagine what it is that needs to be " verified '' neither does anyone at the company that I can speak to on the phone.
Complaint sub-issue: Debt is not yours

I have contacted the company and they were collecting debt from someone other than me. i did not authorize or sign for any debt, and my ex wife not legally my wife provided false information to the debt company making flase claims its my debt and the collection agency altered the debt collection and stated that im the biological father and therefore its my debt. this is not a legally permissible way to incur debt, an my ex wife provided no information that legally they could add my name to a debt owed by her she is the custodial parent and is in charge of the medical invoices. i provide medical insurance. i have not signing authority for her medical
Complaint sub-issue: Their investigation did not fix an error on your report

please see letter attached
Complaint sub-issue: Information belongs to someone else

Ive have contacted the Equifax for about 2 years now letting them know that there are accounts, addresss and names that do not belong to me that they are reporting. 

XXXX, XXXX XXXX and also these hard inquiries : 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

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/2014 Balance : {$450.00}
Complaint sub-issue: Fee problem

I deposited {$1000.00} into my checking account on XX/XX/XXXX, I then made a check payment for {$1100.00} on XX/XX/XXXX. My checking account reflects the {$1000.00} deposit CREDITED on XX/XX/XXXX which SHOULD HAVE COVERED the check, ALL SAME DAY XX/XX/XXXX. I called customer service on XX/XX/XXXX, they then said they refer to someone else. I spoke with a different customer service department XX/XX/XXXX. Bank states my account was overdrawn, which it was NOT as reflected on online banking DAILY balances. Bank is in error, the {$36.00} fee rightfully should be refunded. The deposited {$1000.00} would have covered everything ( in addition to current ending balance ) which again POSTED on XX/XX/XXXX. I have been with PNC for 30 years! You think alittle customer appreciation would of happened here. I should not have to be spending my time trying to rectify this situation.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2021 there was a hard inquiry added to my report for a mortgage loan.I was at home when i received the alert. I have never inquired about a mortgage loan. I would like to get this removed from my report as it is incorrect or an error.
Complaint sub-issue: Problem with rewards from credit card

Dear sir/madam, XX/XX/ I am writing this to complain about Citi-Bank credit card ( XXXX XXXX ) I have applied for Citi-Bank credit card and received my card on XX/XX/. I followed the website and invitation number that the company provided me. The document written as : I am pre-selected to apply. Apply in this particular webpage, after approve, receive 0 % APR for 18 months and {$200.00} reward after spending {$500.00} within the first three months of account opening. The document is uploaded. 
After, I received the card, I activated it and started to spend money hoping to get the reward. 
After I reached their requested goal, I called the company and ask them to honor the {$200.00} reward. 
Their customer service told me, I am not qualify for this reward since I have a XXXX XXXX card. She said : I shouldve applied for XXXX  card! Only customers with XXXX  card will receive this reward. 
I told the customer service, I have applied for the card that your company has directed me according to the paper that they mailed me with the webpage and invitation number. 
Their customer service told me to send the document to the following address : XXXX XXXX XXXX XXXX XXXXXXXX, SD XXXX. 
After few weeks, I called them back to follow up. Their customer service transferred me to the supervisor. He told me, I should email the document to the following emails : XXXX & XXXX I provided anything they were asking for. 
I pursued the matter, finally, their application department told me somehow my application was overwrite and they sent me the wrong card. I am assuming, this conversation has happened over the recorded line. The application department did not know the reason for sending me the wrong card? And why they overwrite my application? 
I brought this issue to three more different supervisors. Although, they were polite and courteous, but they had no power!!! The third supervisor, XXXX told me she will make sure to give me an offer that satisfies me. 
Few weeks later, the last supervisor, XXXX, told me that theyve already made the decision that I have to re-apply for XXXX card. She had No explanation, why? 
My argument is that : It is their mistake and they sent me the wrong card. I followed their direction. For consumer, this is misleading!!! I trusted them, assuming that they sent me the right card, so I started to use the card to achieve the goal. They should honor the reward. 
The Citi Ban wants to disregard their mistake and they are blaming it on the customer!!!!. They are telling me that I used a wrong webpage!!! I show them the proof that I used the right webpage, but all they say : I am sorry the Application offices came to the conclusion that I need to re-apply ( These are in the recorded line conversation ). I told them, your application department acknowledge their mistake!!!! 
Now, my request is : They should grant me 0 % APR for 18 months and {$200.00} reward. 

Thank you for your time and XXXX XXXX XXXX 
XXXX, XXXX
Complaint sub-issue: Debt is not yours

Over 4 years ago I booked airline tickets online with XXXX. Around {$2400.00}. A few days later I received a call from my local banker asking if I had booked a second set of tickets because the same amount was just taken out of my account again and overdrafted my account. I told her no and that someone accessed my account without my consent or knowledge. On the bank statement it shows as XXXX XXXX NY, I believe. I have never dealt with XXXX  anyone!! We filed a fraud claim. In the meantime, Key Bank " lent '' me the missing money until the investigation was over. The rep, last name XXXX, notified me within a week that there was nothing they could do. I told them I was not satisfied with this outcome as they are suppose to represent and protect their clients. They demand I am the one to do the leg work and call other companies to demanded satisfaction. I have been treated poorly over the years and emails have never been answered. I have received no response to my numerous emails and am constantly shuffled between departments and hung up on. I have demanded a resolution to this situation that THEY have failed to take care of. Instead of doing their job, they have just waved it off and demand I pay back money stolen from me! So I've had money stolen from me and then they want me to pay back the money that was mine to begin with. So I'm being doubley victimized. 

Please Help!!!!
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Please remove these items : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$170.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$110.00} Medical  XXXX Balance : {$300.00} Medical XXXX Balance : {$230.00} Medical XXXX Balance : {$420.00} Medical XXXX Balance : {$420.00} Medical XXXX Balance : {$420.00} Medical XXXX Balance : {$420.00} Medical XXXX Balance : {$100.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$230.00} Medical XXXX Balance : {$230.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$600.00} Medical XXXX Balance : {$490.00} Medical XXXX Balance : {$850.00} Medical XXXX Balance : {$2100.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Problem with additional products or services purchased with the loan

On XX/XX/XXXX, I contacted Audi Financial Services to cancel the Gap insurance on my recently purchased XXXX XXXX. I was advised by a salesman at Audi that I should not have been forced into paying for that especially since the warranty was soon to expire and that I can call Audi to have it cancelled. I called and spoke with a customer service representative who advised me that the Gap insurance must be cancelled at the dealership from which I purchased the car. So I called XXXX Audi of XXXX XXXX, CA located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX phone number, XXXX. When I called, I was advised that I had to make the request in writing to the Finance Manager, XXXX XXXX. I had no problem doing this since he has helped me both times when I leased and purchased my vehicle from this location. On XX/XX/XXXX, I sent the following email : From : XXXX XXXX Sent : Monday, XX/XX/XXXX XXXX XXXX To : XXXX Subject : Cancellation of Gap Insurance Request VIN # XXXX Good morning, I am writing as a formal request to cancel the Gap Insurance on my XXXX XXXX XXXX, VIN # XXXX. I have spoken to Audi Financial Services and they informed me that I have to make my request through the dealership where I originally purchased the vehicle. Please let me know when my request has been fulfilled. 

Kind Regards, XXXX XXXX, XXXX XXXX I did not get a phone call nor a reply. On XX/XX/XXXX, I sent the following email with High Importance : XXXX XXXX Tue XX/XX/XXXX XXXX XXXX XXXX Good morning, This is my second request to cancel my gap insurance on the vehicle listed below. I expect that this request will be completed by COB today. Thank you. 


Still, no response. Today is XX/XX/XXXX and I have yet to receive a phone call or email regarding my request yet I know that the request was delivered because I have read receipts. This is unprofessional and very unlike the company Audi that I have trusted for several years, establishing a good relationship and superior payment history. I would like my Gap insurance to be CANCELED, effective XX/XX/XXXX and the check to be mailed to my address which they already have on file. I expect this to be done within the normal 15-30 business days. If not, my next step is to file suit, which is not a route either parties would like to take. Please advise.
Complaint sub-issue: Trouble with how payments are being handled

I have faithfully been making payments on time since the day my loans were in repayment. Suddenly today ( XX/XX/XXXX ) when I access my online account to get tax documentation for my accountant I shockingly saw a letter threatening loan defaulting and negative reporting to creditors over an overdue {$5.00} interest payment from XX/XX/XXXX that I WAS NEVER NOTIFIED ABOUT!! I have even called to speak with XXXX about questions I had should I change employers and whether or not I'd still qualify for PSLF if I did between now and XX/XX/XXXX and no one could mention to me about this {$5.00} overdue payment?? What's the point of XXXX having my contact information if they don't call, email or write any letter or warn me in any way of what is going on??!! I'm horrified and want the issue resolved. Since discovering this today, I went ahead and scheduled to pay the monthly balance on monday XX/XX/XXXX since payments aren't accepted on weekends and today is Saturday. On XX/XX/XXXX, I hope this can all be resolved and I do not want anything negatively reported to any creditor and if it has been since XX/XX/XXXX I want it removed and taken back. I plan to file a negative credit dispute with them and will take this to my state attorney general for further support and for XXXX to take accountability of their improper management and neglectfulness on communication.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hello I hope your day is going well and you and your family have been staying safe during these trying times. I just received my credit report and was going through it like i normally do yearly and noticed these inquiries for accounts i never requested to open. These are fraudulent. I never engaged in giving this company consent to obtain my information. They unlawfully obtained my credit report. I made numerous calls sent numerous letters and I had no choice but to file a complaint. Attached please find my identitification along with the IDENTITY THEFT Report please remove these inquiries I never asked to get any accounts or loans with these companies.
Complaint sub-issue: Personal information incorrect

I have been asking the credit bureaus to delete these unknown addresses on my report since XX/XX/XXXX. 

Equifax has an inaccurate address of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  has an inaccurate address of : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX  has an inaccurate address of : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX I need them deleted off of my credit reports they do not belong to me. Not my primary residence.
Complaint sub-issue: Their investigation did not fix an error on your report

Over the past 4 months I have made several disputes with Equifax & XXXX regarding fraudulent accounts being reported on my XXXX/Equifax Credit report. In my written and online request I asked that XXXX please investigate this item and show proof of validation or delete immediatley from my report. The accounts in question are XXXX XXXX XXXX ( {$620.00} ), XXXX XXXX ( {$590.00} ), XXXX XXXX XXXX ( {$520.00} ), XXXX XXXX XXXX ( {$150.00} ), XXXX  XXXX XXXX ( {$140.00} ), XXXX XXXX XXXX ( {$40.00} ), XXXX XXXX XXXX ( {$38.00} ) .Every dispute I have sent it their response has been that this account has been " verified '' as mine but shows no proof or documentation showing that it is mine. It is my impression on FRCA that the account in question must show a/an signed document showing that in fact open the account ( i.e signature etc. ) I have n't gotten anything from Equifax & XXXX proving the account is mine. Please also note that XXXX has already legally deleted this account from my report. There is no possible way that this account belongs to me.PLEASE HELP P.S Why is XXXX XXXX XXXX and XXXX XXXX XXXX showing up twice on my credit report?