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

Dear Citi bank I have been disputing incorrect information on my credit report for about 6 months now with the reporting agencies and they keep saying that you are reporting this information is reporting correct. I have sent them factual proof that these accounts are not reporting correctly as I have did once again see File citi account XXXX XXXX  is showing a 60 day late for XX/XX/2019 then on XX/XX/2019 another 60 day late! How is this Possible? XXXX  is showing all Ok up until XX/XX/19 they are showing XXXX which is a unknown this is a violation of the FCRA and must be deleted. ASAP this is incorrect information reporting and this account needs to be deleted ASAP I lost my job due to the fact that I work around money but when companies like you report this type information and keep saying oh it's reporting correctly and it's not is a crying shame the way you treat people but think about it what if the tables were turn and this was you how would you feel Just think about it? Please delete this account From all of the reporting companies ASAP
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX / XXXX XXXX XXXX XXXX  XXXX XXXX/XXXX  XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX/XXXX
Complaint sub-issue: Information belongs to someone else

I have fraudulent accounts on my reports. Remove them.
Complaint sub-issue: Investigation took more than 30 days

I am writing this letter on my behave, I send a letter to Equifax consumer credit agency to dispute report on my credit fill. on the XX/XX/2020. The Investigation took more than 30 days I didn't received a letter back about this issues. This show I'm not treated fairly under law. 

Therefore, I want them to dismiss them, take them out of credit fill. 

Thanks
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I went to try to buy a car and the dealership kept pulling my credit even when I was not there.
Complaint sub-issue: Didn't receive notice of right to dispute

XXXX XXXX placed a collection on my and my father 's credit reports with all three credit reporting agencies. We have disputed the collection with all three agencies and it was removed from our XXXX and XXXX reports. However, after filing two disputes with Equifax, the collection has not been removed. After speaking with representatives from Equifax, they could not explain why the collection remained on our reports. It should be noted that, XXXX XXXX never confirmed or verified the debt in writing as required by law. This is why we disputed the collection and why XXXX and XXXX removed the collection from our reports
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

On XX/XX/XXXX I placed a call to PNC bank which is the provider of my XXXX XXXX prepaid debit card. I called in order to launch a dispute over a charge that occurred on XX/XX/XXXX in the amount of {$390.00}. I was told that the process could take up to 45 business days and that a provisional credit would be credited to my account within 10 business days if they determine the dispute would take longer than that to resolve. Since that day I 've called multiple times in order to receive status updates and have been told nothing has been done yet with regards to the dispute. 

I once again called today XX/XX/XXXX and I spoke with XXXX in the disputes department at approximately XXXX EST. I was informed by her that the process of investigating the dispute is still on going and that I would not be receiving any provisional credit within 10 business days like was previously stated. I informed her the 10th business day would fall on the XX/XX/XXXX due to holidays and that I had been told by that day I would receive a provisonal credit if the matter was still under investigation. XXXX then informed me that she was told by another associate ( perhaps a supervisor ) that on the XX/XX/XXXX they would mail out a letter to my home address stating the decision theyve reached with regards to the dispute and said letter could take another 7 business days to reach me. I again asked about the credit and was told that I would not be receiving that provisional credit. I  informed XXXX that said act is in violation of the terms of service of my PNC XXXX XXXX card and goes against federal regulations with regards to disputed charges and the legally allotted time for a credit or decision to be determined. 

It seems that PNC bank is willfully violating federal regulations as well as their own terms of service contract with their clients in this instance myself. I am attaching a copy of the PNC XXXX XXXX terms of service which clearly indicates that PNC will issue credits within ten business days of receiving a dispute.
Complaint sub-issue: Can't close your account

On XX/XX/XXXX I discovered three fraudulent charges on checking account 's debit card : 1. {$000.00} Square Inc . 
2. {$1000.00} CASH APP*XXXX  XXXX, CA # XXXX 3.  {$1000.00} CASH APP*XXXX  XXXX, CA # XXXX I've contacted my bank, filed a fraud claim and changed the card. 

Today on XX/XX/XXXX I receive a visa debit card " Cash Card '' in the mail from Square Inc. with a full credit card number on it and my correct name etc. 

I have not applied for this card and I think it is related to the two fraudulent charges from my checking account debit card. I tried to contact Cash App as well as Square Inc. over the phone but they don't over live help over the phone. I would like them to close this account that I have not opened. This is a scam and I don't even know how they opened this account in the first place.
Complaint sub-issue: Their investigation did not fix an error on your report

I've sent out several letters to all three of the credit bureaus letting them know that a lot of the information they are reporting on my consumer credit report is inaccurate. Such as XXXX has my mother 's name in place of my name and for allis have my correct name in place of that. Also, XXXX, Equifax, and XXXX have closed accounts and payment history on closed accounts in which I've attached with this complaint. all listed in my consumer credit report. I have sent copies of my Driver 's License with current address listed on it. I've sent copies of my social security card and bank statement that fell on blind eyes. All three of these credit bureaus sent me stall tactic letters and postcard letting me know that I didn't send them any proof of my identity and wants me to re-send the information to give them more time. Every time I send in the requested information in, either XXXX doesn't respond back to me and when they do, it's way past the 45 days with again, send them proof of my identity. This is a bunch of XXXX and they know it. I have signed United States Postal Signatures from XXXX, Equifax and XXXX that they did receive my disputed letters with proof of my Identity attached to the letters. I'm really surprised by Equifax because I sued them back in XX/XX/2018 and won by default. I'm not willing to go through this sending back and forth for something I've sent time and time again.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX has notified all three major credit reporting agencies that the bankruptcy thats being unlawfully reported needs to be removed immediately! Ive also called each reporting agency to notify them of this unlawful act and they all have refused to comply with the laws defined in the FCRA! XXXX, EQUIFAX, and XXXX are all civilly liable for violating my consumer rights pursuant 15 usc 1681n! They are violating my right to privacy pursuant 15 usc 1681. And neither have permissible purpose pursuant 15 usc 1681b.
Complaint sub-issue: Information belongs to someone else

XXXX is reporting derogatory information on my credit commercial file that does not belong to me and said that they are not regulated by anyone because they are different from other bureaus, but they just report anything on your file without any questions, I never purchased a commercial truck for XXXX dollars so how can someone report that to my report
Complaint sub-issue: No notice of investigation status/result

I submitted a Identity Theft affidavit to the company. The address on my XXXX report and the address the company shows i have never lived at. I never opened the line of credit. They will not remove the mark on my credit report. I mailed the affidavit via certified mail to the company. I have changed my name because of Identity theft.
Complaint sub-issue: Information belongs to someone else

After my purse was stolen my identity became comprised, place on the dark web and all. I learned of this after I pulled my credit file. The following accounts are unknown and unauthorized by me, therefore Im demanding that these accounts be removes imnediately. 

1. XXXX XXXX XXXX {$790.00} 2. XXXX XXXX {$790.00} 3. XXXX XXXXt {$170.00} 4. XXXX XXXX {$92.00} 5. XXXX XXXX {$1100.00} 6. XXXX  {$96.00} 7. XXXX XXXX XXXX {$850.00} 8. XXXX XXXX XXXX {$20.00} 9. XXXX XXXX XXXX {$35.00} 10. XXXX XXXX XXXX- {$47.00} 11. XXXX XXXX XXXX {$16.00} 12. XXXX XXXX XXXX {$710.00} 13. XXXX XXXX XXXX {$75.00} 14. XXXX XXXX {$580.00}
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Ordered a service from a merchant. XXXXXXXX XXXX application acknowledged the refund/cancellation request but delayed in processing the request. Nearly three months has past since attempting to cancel in XX/XX/2022 and knowing my time to dispute the transaction was closing, I contacted CitiBank regarding a {$1000.00} price billed to my account on XXXXXXXX XXXX 

I attempted to dispute the charge to my account for this service by CitiBank. The below are the details of my interaction with Citibank 's dispute a charge process. 

XX/XX/2022 : Initiated Process XX/XX/2022 : Received a letter from Citibank requesting information and my contact with the Merchant, and details of the steps I took to resolve the issue with the merchant. 

XX/XX/2022 : Received call from Citi ' dispute center to go over this dispute. I explained to Citi that the merchant refused to process my refund. Thier app was the way I was directed to use. Mid-way through the steps, the App just stop progressing in the refund. Dispute center took my information and conducted their investigation. 

XX/XX/2022 : XXXX challenged the dispute showing I purchased their service. Citibank closed the investigation in favor of the merchant. In the letter, Citibank requested I show an email that the merchant accepted my cancellation request. 

XX/XX/2022 : I adhere to Citibank 's request for cancellation request. I submitted to Citibank that the merchant 's app acknowledged my cancellation request and request that Citibank continue with the charge back. 

XX/XX/2022 : Citibank sent another letter stating that they may be able to assist me if merchant agreed to credit my account. and I should seek other means to obtain credit. 

XX/XX/XXXX is the last communication prior to this complaint. Now I am in a XXXX for the reason I originally started the dispute the charge process was because the merchant didn't want to refund me. Now, Citibank is asking for an email that shows the XXXX agreed to credit me. This request is unreasonable when the merchant showed they weren't willing to refund me and challenge the charge back from Citibank. From Citibank moving the goal post to placing me in a XXXX situation, I turn to writing this complaint to the XXXX against Citibank.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX, 2017. I called XXXX to settle this account, I was informed they no longer owned and had no.control. so I pulled up credit report and got the buyers information which was XXXX XXXX aka XXXX XXXX. I did a one time settlement amount of XXXX. It was agreed that accounts would be removed. The same account was showing twice. One under XXXX and other XXXX XXXX. I waited 30+ days to see if they were going to stick to their word and remove from credit reports. XXXX XXXX did. XXXX still to this day has the tradeline as charged off. Once they sold account they should have recused themselves and took it off. As they no longer owned the debt. I called XXXX XXXX to see why it was still showing under XXXX. They told me XXXX had falsely reported what happened with account. At first it just stated charged off. I proceeded to call XXXX in good faith after paying asking them to remove and change tradeline. This has went on since XXXX XXXX wo n't acknowledge the past debt at all. I 've paid the bill, when something shows charged off, it appears to others the bill was never paid and makes person trying to correct their wrongs look even worse. It also appears like they 're getting a tax write off/break instead of showing they actually got paid for selling the debt.
Complaint sub-issue: Information belongs to someone else

Account number : XXXX This account needs to be removed immediately from my equifax report and never be added again by any bureau according to the FCRA. It has been deemed fraudulent by XXXX XXXX XXXX  by a recent investigation into the credit card account. Please remove immediately.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX/XXXX/2021 I mailed a letter requesting an investigation about questionable items on my credit report. It has been almost two months and I still haven't received any results of an investigation.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I wrote a letter and mailed it certified mail return receipt to stop contacting me. I continue to get daily calls and voice mail messages despite instructing them to stop calling me. I am a senior citizen and they are scaring me.
Complaint sub-issue: Other problem getting your report or credit score

I reviewed my credit report on XXXX XXXX,2017 Equifax is retaliating against me because of filed various Federal Retaliation and Discrimination complaints. Equifax credit score is at XXXX? XXXX XXXX and XXXX XXXX. Equifax, XXXX and XXXX suppose to delete all negatives and hard inquiries from my credit report, but they have not done anything.Why? Because of my file various Federal Filed complaints? I am XXXX and Retired and a Military Veteran. Why XXXX and Minorities XXXX and Military Veterans and Military Veterans gets Retaliated and Discriminated by Major credit reporting Agencies?
Complaint sub-issue: Deposits and withdrawals

I have a personal checking account at Usbank. In XXXX XXXX I durable power of attorney on my roommates account while he was out of town. During the time he was gone I managed his account with no issues. In XXXX XXXX he returned and took over all his own financial affairs. In XXXX of XXXX, he committed fraud on his account and Usbank is holding me responsible and has frozen all my account along with all my money. My roommate claims to have taken responsibility for his fraudulent activities. However the bank refuses to reinstate my account and release my funds. The bank has documentation of how the fraud was committed and I am not part of it. It is crystal clear. 
Please help me!
Complaint sub-issue: No notice of investigation status/result

I have requested that all inquiries on my credit report be investigated as I have not applied for credit int he last 2 years, they refused to investigate and told me its a fact of record. These inquiries are hurting my credit score and I never gave authorization for anyone to request my credit. Furthermore I would like the inquiries deleted if they are not able to investigate this.
Complaint sub-issue: Debt is not mine

I received my XXXX credit report and saw XXXX different negative items reported by this firm. I have never received any notice from them in regard to this debt and from what it reads on the credit report. It is from XXXX XXXX traffic tickets which I are not mine.
Complaint sub-issue: Information belongs to someone else

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have disputed these items numerous times already which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. If you claim these items are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with these items which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these items from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has ignored my request to delete inaccurate information from my consumer report. I am consumer by law and my request to delete the inaccurate information has been ignored by Equifax. They have violated several consumer laws against me. And has caused me financial hardship, by reporting inaccurate information.
Complaint sub-issue: Personal information incorrect

I was going over my credit report I noticed that there are addresses that are not mine showing. I would like the following addresses deleted.This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information is not accurate. The following addresses and the variation on my name are not accurate .My name is XXXX XXXX XXXX , please delete all other variations. 
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX XXXX I am no longer affiliated with these addresses. I would like to have my credit report to reflect true up to date that is accurate my current address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I AM SELF EMPLOYED AS XXXX XXXX XXXX XXXX. 
DBA XXXX XXXX XXXX.
Complaint sub-issue: Problem with fees

Best Buy   XXXX   XXXX   neglects to send my monthly bill on time. Some months it will send me my month bill on time other months it wo n't send it  at all. After the 3rd time and my 3rd late fee and interest fees  charged to my account I have closed my Best Buy  XXXX  seeing this pattern was happening more frequently. It clearly is a scam for Best Buy to rip consumers off by not sending their monthly bill to gain extra fees that are not legit.
Complaint sub-issue: Problem getting your free annual credit report

On or about XXXX I received a robo call from someone who threatened to charge for a service I had not requested. I became concerned about the fact that someone must have my SS # etc ' I called Equifax to see if my information had been compromised. It confirmed that it had been. On this date I froze my credit on XXXX  & XXXX. Equifax has refused to do so despite my spending almost 5 hours on the tp & internet. No explanation, just referring me to someone in the XXXX or elsewhere.Online it says '' sorry we can not complete your request and provides a telephone No ) Calling it I get nowhere until the robe voice cuts off with a ( Thank you for calling Equifax ). I don't wish to file a claim since I have not been damaged yet. Also it seems that relief is limited to {$120.00} or so. Any assistance would be appreciated. If this attitude continues, I will commence a personal action against Equifax.
Complaint sub-issue: Information belongs to someone else

I HAVE FOUND INFORMATION THAT I BELIEVE IS FRAUDULENT IN MY CREDIT REPORT THIS INFORMATION IS DEROGATORY AND DAMAGING TO MY CREDIT. PLEASE HELP ME TO CLEAR THIS ERROR.
Complaint sub-issue: Information belongs to someone else

I called XXXX XXXX to get tv service. While I was trying to set things up. I was told that there had already been an account open under my name and that it had a outstanding balance due. I explained to them how incorrect that information was, but they told me that there was nothing they can do. My identity has been compromised and I decided to get my report pulled to see what was happening. I found a unknown account that does not belong to me except the dish network account they informed me about, maybe it still has not been reported, I am not sure. Please get these fraudulent account off my report.