Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Can't use card to make purchases

I have a Citi credit card set to auto pay from XXXX, the Citi bill is due on XX/XX/XXXX. On XXXX Citi processed the autopay for the full statement balance. XXXX declined the auto pay and sent me and email of the issue all on XXXX. On XXXX I made an internal transfer at XXXX. 
On XXXX I went to the Citi digital site and attempted to pay the Citi statement balance. I received an error that I could not make a payment greater than 12.5 % of my current balance. I then called Citi client support who then told me nothing to be done I had to wait 2 business days at which time the payment would show declined. Two business days moves the date to end of business on XXXX. 
On XXXX I log into XXXX and I show the payment has been automatically re-processed by ACH. 1 day to clear ACH Citi has the money on XXXX. 
XX/XX/XXXX Citi card still being declined and now I have a statement showing late fees and interest although my Citi statement and on-line site still shows the payment made and I am under my credit limit by 30 %. 
XX/XX/XXXX I start on-line chat with customer support they tell me they are unable to assist I must call in. I call in, talk with supervisor, said nothing to be done, they have put a hold on the payment until XX/XX/XXXX although they have had the funds since XXXX. Meanwhile they are charging me a fee for being over my credit limit although according to my statement and the on-line site I am well under my limit, not to mention Citi actually has all of the money. Now all automatic payments are being rejected which requires me to manage each one of the auto pay accounts. Keep in mind the Citi bill was not due until XX/XX/XXXX. The Citi support agent recognized the issue, asked if I could get XXXX on the phone with him to verify the money had in fact been debited from the XXXX account. I said yes we could do that, he then went to his internal Citi group that could release the hold on the account and they told him they would not. He was left with no option other than to apologize for Citi. 
To recap, tried to pay the bill early and couldn't but still paid on time. In the end hit with a {$29.00} fee from Citi. The Citi system creates an issue where even if you identify a problem early, neither Citi employees or myself could do nothing to stop the system from abusing a consumer. 
Although I have the means in which to manage these types of problems, I can only imagine that many do not, especially during a pandemic.
Complaint sub-issue: Debt was paid

I paid this debt, they keep attempting to recollect the dept I paid in full.
Complaint sub-issue: Unable to open an account

I AM A VICTIM OF AN IDENTITY THEFT, WHICH CLEARLY TRANSLATES THAT SOMEONE STOLE MY INFORMATION AND OPENED A FRAUDULENT ACCOUNT. THE FINANCIAL INSTITUTION DID NOT VARIFY THE ACCURACY OF THE DOCUMENTATION AND NOW I AM A VCITIM AND CAN NOT OPEN ANY BANK ACCOUNTS.
Complaint sub-issue: Information belongs to someone else

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including three bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX XXXX {$2600.00} BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00}
Complaint sub-issue: Didn't receive enough information to verify debt

I sent a letter via certified mail to EOS requesting that the validate the debt. The letter was signed on XX/XX/XXXX. EOS sent me a settlement offer. I sent out a second request and disputed with XXXX XXXX XXXX. They are reporting as verified and meets the FCRA with no actual proof that it has been verified.
Complaint sub-issue: Debt is not yours

I asked the company if they could send me proof that this is my information and I didnt get a response from the company. I didnt have service with the company at all. XXXX sold my information to a debt collection company.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX Dates without consent on XX/XX/XXXX and XX/XX/XXXX. Phone call made XX/XX/XXXX was supposed to remove inquiry due to fraud within XXXX days this is still not removed. 

XXXX XXXX XXXX Dates without consent on XX/XX/XXXX. Phone call made XX/XX/XXXX was supposed to remove inquiry due to fraud within XXXX days this is still not removed. 


Citi XXXX XXXX Dates without consent on XX/XX/XXXX and XX/XX/XXXX. Phone call made XX/XX/XXXX investigated and ruled unfounded. 

I have credit alerts and froze my accounts due to fraudulent activity. I also received a letter from the XXXX XXXX XXXX and XXXX that my information was compromised as a result of the XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

My information was part of the Equifax hack, and I am livid. I hope I receive some sort of monetary compensation for the risk this awful company so carelessly put me in.
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

XXXX XXXX and Equifax are reporting inaccurate info for the same account on my credit report. 

XXXX- Balance is XXXX Equifax- Balance is XXXX XXXX- Payment Status is collection/charge off Equifax- Payment is 120 days late XXXX- Monthly Payment is XXXX Equifax- Monthly Payments is XXXX XXXX- Last Date Active- XXXX Equifax- Last Day Active XXXX XXXX- Date Of Last Payment XXXX Equifax- Date of Last payment XXXX. 

Here is the list of inaccuracies that have been posted on my credit report for the same account i have sent XXXX and Equifax both 2 letters certified about these inaccuracies on my credit report an they both have fail to delete the account
Complaint sub-issue: Information belongs to someone else

After reviewing my credit, I noticed 8 items which appear on my credit report that does not relate to any transaction ( s ) that I have made. I have reason to believe that these items are a result of identity theft. 

Below are the of accounts appearing on my credit report that does not belong to me. 

XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX   XXXX Department XXXX XXXX Department XXXX XXXX Dep ED/XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX   XXXX I have not made use of my credit in years. The only account that should be reporting to my credit bureau is my car note. I did not open up these accounts and I would like them removed from my credit report.
Complaint sub-issue: Was not notified of investigation status or results

I have submitted numerous request for investigation for accounts reporting on my credit file that are erroneous and I have not received any mail or seen comments that show evidence that my requests have been acted upon. Please help me remedy this issue.
Complaint sub-issue: Information belongs to someone else

For the past two months, I have been trying to get a total of 7 hard inquiries removed from my credit report that I did not authorize. The inquiries and unauthorized dates are listed as follows : XXXX XXXX ( XX/XX/XXXX XXXX, XXXX XXXX ( XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX ( XX/XX/XXXX XXXX, XXXXl ( XX/XX/XXXX XXXX, and XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. I sent several dispute letters and I even contacted them several times as well to verify these inquiries and the information comes back verified. I contacted Equifax again and they prompted me to call EACH creditor to retrieve a " Letter of Deletion ''. When I contacted each creditor and requested a letter of deletion, EACH creditor informed me that there is no record of " XXXX XXXX XXXX '' in their system. Therefore, I sent Equifax another letter to verify their method of verification and requested specific details to ensure verification and Equifax failed to do so ; these inquiries again came back as verified. I contacted the bureau again to seek further assistance in these inquiry deletions and no one seemed to help me resolve this matter. As a consumer, I feel my rights have been compromised and violated. I have done all that was requested of me and I've went over and beyond to get this matter handled. I feel devalued as a consumer and customer of Equifax. At the time of these inquiries, I was in college and was not seeking credit of any sort. Please remove these inquiries as requested. They were not authorized.
Complaint sub-issue: Information belongs to someone else

MY PERSONAL INFORNMATION WAS STOLEN BY AN UNKNOWN PERSON TO OPEN CREDIT CARD FRAUDULANTLY ON MY NAME THAT WAS USED AND REMAIN UNPAID. IT IS AFFECTING ME FROM GETTING CREDIT AND RAISED MY CREDIT USAGE TO MORE THEN MOXIMUM THAT GET MY CREDIT SCORE TO GO UP. I WOULD LIKE TO HAVE THAT DEBT REMOVED FROM MY CREDIT FILE PERMANANTLY.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Reporting company used your report improperly

At the beginning of XX/XX/2018 I started to receive notifications that XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX had place a bad debt on my credit report with all 3 bureaus. On XX/XX/2018 I sent XXXX a letter to validate this debt as prior to and up to now I have never received any type of correspondence from this company. I also mailed a copy of this letter to all 3 credit reporting agencies. I never received any response from XXXX however each bureau responded by saying the debt doesn't currently appear on my report when it actually does appear on each report.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Equifax is reporting false information to my XXXX, that is not on my credit report. The information theyre reporting has damaged my credit score and theyre refusing to fix it. They are reporting bogus made up information. My XXXX dated XX/XX/2022 includes 4 derogatory 30+ marks of delinquency in the last 12 months and noted that the most recent delinquency was 5 months ago. Since none of this information is listed on my current credit report at all, there is no option for me to dispute this. When I called to escalate this issue, I got put on hold for over an hour and no one ever comes back to the phone. I was told that they no longer report to FICO and there was nothing they could do. 

Also, theyre refusing to delete a credit card thats been reporting for more than 7 years. The records they are completely wrong and theyre refusing to a knowledge this. When I reached out to myFICO, they advised that this is the most recent information that Equifax reported to them.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit act The XXXX XXXX XXXX Bank Account 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Debt is not yours

I have a collection agency named Pro-Collect in XXXX, that has posted a debt on my credit all three bureaus for an old apt complext XXXX XXXX XXXX XXXX XXXX. 

This debit is false, XXXX XXXX XXXX XXXX got mad because I wouldn't renew my lease after almost 3 years. After my lease was up, I did month to month for two months and then left. 

They even signed out the keys and all, then waited almost a year later with a {$1700.00}, claiming I didn't give notice. Even though I did before the lease was up and before I even did the month to month. 

They even kept my {$500.00} deposit and claimed the {$1700.00} is for two more months of rent, that I wasn't even living there. I had been gone almost a year. 

I moved out the last day of XXXX 2017 and they still charged me rent for XXXX and XXXX 2017. Even though I wasn't under a lease and had already been gone.
Complaint sub-issue: Personal information incorrect

I am a victim of identity theft and I am writing to dispute certain information you have reported. Please block this information from my credit report, according to section 605B of the Fair Credit Reporting Act, Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions, please Remove of all incorrect or outdated personal information being reported on my credit file. It's frustrating to continue to get denied for credit approvals because of the inaccurate information on my file. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report.
Complaint sub-issue: Reporting company used your report improperly

Fraudulent Negative Accounts : XXXX  XXXX Account Number.n/a Account Opened : XX/XX/2022 Balance {$2400.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX Bank # 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: Debt is not mine

This were an XXXX XXXX bill that was deleted from my credit report and now it appears on my credit report by another company which should not have happened.
Complaint sub-issue: Debt is not yours

I was only an authorized user on the account and I am not responsible for the debt. I have asked the company top remove all credit reporting but they have not.
Complaint sub-issue: Received bad information about my loan

Back in XX/XX/XXXX I consolidated my student loans ( Stafford ) with Nelnet so that I could begin payments towards the 10 year/120 payment loan forgiveness option that exists for public servants. When consolidating, I asked Nelnet if these loans were in the correct category for the 10 year loan forgiveness and was informed that they are/were. I have made regular payments since this time based on this. When I returned from service with the military in XX/XX/XXXX I contacted Nelnet to inquire into how many more payments would be needed. I was informed that around {$100000.00} were not in the correct type of repayment method. I would like for the CFPB to look into these practices to determine if either it was a mistake by Nelnet or if it is a fraudulent practice. If it is a mistake, I would like to get my loan payments back on track so that the loan forgiveness can take place in 2-3 years.
Complaint sub-issue: Debt is not yours

I received a notification of a creditor placing an account on my credit report for XXXX XXXX. Ive never had or spoken to anyone from XXXX XXXX. I immediately asked the company Allied to provide me with legal validation of this debt. In return they sent back a copy of a bill the does not have my SIGNATURE showing I was even aware of this bill which is a violation of my right as a consumer under the FDCPA. Im seeking original documentation between myself and XXXX  with ORIGINAL signatures and they have failed to send me therefore Im asking the account be deleted permanently from my credit report.
Complaint sub-issue: Information belongs to someone else

This collection account I.C. SYSYEM INC is not mine. This account does not belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
Complaint sub-issue: Account information incorrect

I am XXXX XXXX XXXX. I am submitting this complaint on behalf of myself and not a third party. 
I previously submitted a complaint and it went unresolved. 
My final attempt at this level to make Equifax aware that I have never signed an Affidavit nor giving Equifax consent to furnish ANY INFORMATION on my consumer report but has that stopped Equifax? No it has not, even through disputing inaccuracies I have still not been been properly handled. The items I disputed do not belong to me. Youre verification was flawed. Show me indebtedness, accounting in detail, a document showing I received any loans or services. Did you interview anyone?! Equifaxs system is fraudulent. Wheres your permission purpose?! You do not have my consent to furnish and you did not investigate anything.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit reporting act XXXX XXXX XXXX, {$3200.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 A account without my written instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

1. Made a request for a method of verification as it pertains to a XXXX  XXXX XXXX account that was reporting on my credit report. That request was received by the credit bureaus in XX/XX/2021. To this date all I have gotten are letters stating that it is reporting accurately. There method or procedure used to get this conclusion were not disclosed. 

2.I would also like to opt out of a clause that the credit bureaus have which states that if you created an online account with them to view your credit report with them, then you can not file a lawsuit against them. I want the credit bureaus to opt me out of this clause please.
Complaint sub-issue: No notice of investigation status/result

I have been requesting verification of the following account that Equifax continues to report on my credit file : XXXX/Bankruptcy # XXXX, and # XXXX. Equifax listed XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, GA XXXX as the source of their verification on XX/XX/2017. 
On Thursday, XX/XX/XXXX, I directly called the XXXX XXXX telephone number that is listed on my report at XXXX and spoke with an agent and she informed me that a security freeze was placed on my account as of XX/XX/2017. I have attached a copy of my security freeze confirmation that I received directly from XXXX XXXX showing the date of confirmation. 
On XXXX, I also directly called the telephone number listed on my SECURITY FREEZE CONFIRMATION LETTER FROM XXXX XXXX XXXX and spoke with another agent and she also advised me that my security freeze was confirmed and set into place as of XX/XX/2017. She also told me that there is NO inquiry from Equifax or mode of verification from XXXX XXXX to Equifax showing on my XXXX credit file. And she also stated that XXXX XXXX DID NOT verify the verification that Equifax shows as reported on XX/XX/2017. 
I demand that this public record XXXX/Bankruptcy # XXXX and # XXXX is removed due to lack of verification and inaccurate reporting of verification date! XXXX XXXX agents assured me that Equifax '' s so-called " verification '' on XX/XX/2017 WAS NOT REPORTED BY THEM BECAUSE MY XXXX XXXX CONSUMBER FILE HAD A SECURITY FREEZE ON IT ON THAT DATE. 
I have repeatedly requested tangible documentation whether electronically or hard copies and Equifax has yet to verify. All they send is a XXXX XXXX address and a statement saying " the account is verified. '' I demand that this unverified account : XXXX # XXXX and Bankruptcy # XXXX is PERMANENTLY DELETED FROM MY CREDIT FILE. PLEASE HELP!
Complaint sub-issue: Account status incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The XXXX/Equifax/XXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Inquiries : XXXX XXXX, XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I have countless times to have the 3 major credit reporting bureaus to remove inaccurate information on my report. Ive submitted a affidavit with ftc and verified my identity but they still report the same thing which lowers my score and makes it impossible for me to approved for new credit. This covid 19 pandemic has made it difficult enough to obtain credit to pay bills and identity theft is at an all time high. XXXX, XXXX  and Equifax are not following the law and removing inaccurate information nor are they verifying information, please help.
Complaint sub-issue: Their investigation did not fix an error on your report

My wife and I hold a VISA card through our local bank, Eastern Bank ( where we have checking and savings accounts, a car loan, and business accounts ), furnished by Elan Financial Services. A payment was due on XX/XX/2020, and we missed that payment date, only after contacting Elan, via the number on the back of our card, a month earlier letting them know that COVID-19 had affected our ability to make the minimum monthly payment on-time. We were told that there would be enough time to make payments and that no late fees or credit reporting would happen if we were late. They then had the audacity to charge us a {$40.00} late fee on XX/XX/2020, the day the payment became due. Just 12 days later, on XX/XX/2020, I went online and made a large payment of {$680.00} ( way beyond the minimum due on XXXX ) to make up for the missed payment, once we were able to get a little money together and pull cash from our savings to make the payment in good faith that the late payment would be reported. I have recently learned, through my credit monitoring account with XXXX, that Elan reported the missed payment date and effectively dropped my credit score by 44 points. I disputed the reporting, but XXXX  was unable to overturn the reporting because Elan told them it was valid. I am beyond frustrated by Elan taking advantage of its customers and will be sending this complaint to Senator XXXX ( XXXXXXXX ), because I think she would love to hear about this story as well. This is one predatory company that should be investigated.
Complaint sub-issue: Information belongs to someone else

I am XXXX F I`m a victim of Identity theft. I have provided proof of my ID, Identity theft report from the Federal Trade Commission and a notarized Identity theft Affidavit proving it is in Fact me that submitted this report. And a letter citing all the fraudulent accounts on my credit report. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.