Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

I decided to get my credit pulled due to a couple of collection letters i continued to receive in the mail. I have never heard from the place before, I suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX {$430.00} XXXX   XXXX {$1200.00}
Complaint sub-issue: Frequent or repeated calls

Called me 16 times in 2 minutes. Ask me to pay speeding ticket which I paid on time 10 years ago. Ask me to show proof. Who keep receipt of speeding ticket for 10 years.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX, I submitted a dispute for a chapter XXXX bankruptcy case # XXXX that is listed only on my XXXX credit report. On XX/XX/XXXX, XXXX replied to the dispute and advised that they received correspondence from LexisNexis, which is their vendor they use to verify bankruptcies, that it was certified as accurate. I was then advised that I would need to contact them to complete a method of verification in order to see how they were able to verify it. 

On XX/XX/XXXX, I contacted LexisNexis for a method of verification, and on XX/XX/XXXX, I received a letter of resolution that states since they were unable to verify the accuracy of the bankruptcy # XXXX, it was removed from my credit report. 
When I received this letter, I immediately uploaded the evidence that the bankruptcy was removed to their website XXXXXXXX. I was then advised that I needed to open another dispute with XXXX which I did. On XX/XX/XXXX another dispute was opened, and on XX/XX/XXXX XXXX replied AGAIN and states that the bankruptcy was certified as accurate by LexisNexis. 

I contacted LexisNexis again on XX/XX/XXXX and they advised that there is no bankruptcy showing on any of my credit reports, and they do not understand why XXXX is saying this. They advised they would open a manual dispute again, but I advised this is not solving the problem and I would file a complaint. 
XXXX uses LexisNexis to verify bankruptcies that they add to your credit report, but would not honor the supporting evidence from the same company to have this bankruptcy removed. It is not fair that I have to suffer through this when I have done everything I can as a consumer. I have no other choice but to submit a complaint as there should be better communication between the two entities. 

This complaint is being submitted because when I call both companies, they both tell me to call the other party when it is their job to get this information removed immediately. I am filing this complaint in lieu of seeking legal representation. I want to get this matter resolved immediately, as this issue is having an enormous impact to my credit report. I have proved all of the necessary documents asked of me from XXXX yet they are choosing not to do the rightful thing, and that is to remove this negative item. 

Attached you will find a copy of the resolution letter from LexisNexis dated XX/XX/XXXX that confirms they removed the bankruptcy, but XXXX  is refusing to remove it.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX XXXX Account number XXXX, XXXX XXXX Account XXXX, XXXX XXXX Account number XXXX, XXXX Account number XXXX, XXXX XXXX XXXX XXXX Account number XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

And also 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

Based on my previous complaint : XXXX, I listed two account from XXXX XXXX that were showing on my report. One was deleted but XXXX XXXX Account : # XXXX is still showing on my report. 

I believe this my have happened because I incorrectly uploaded the same picture twice. 

I am a normal consumer while this may have been a simple mistake on part by uploading the same picture twice... ..My complaint clearly stated that I want both account deleted from my credit report.

If I must reiterate the laws again : 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 an account without my written instructions 15 U.S.C. 1681i - procedures in case of disputed accuracy also states that if after an reinvestigation an item is found to be inaccurate, incomplete, or can not be verified the consumer reporting agency SHALL PROMPTLY delete that item of information. With the attached recent updates of my credit reports, there are several inconsistencies on my credit report that show a proper investigation was not conducted. 

I do expect full cooperation since the first account was deleted. However the laziness of the credit bureau and obvious concern for themselves and NOT for me the consumer is alarming. 

And if this account is not removed I will take the appropriated steps thereafter.
Complaint sub-issue: Received bad information about your loan

On XX/XX/2019, I sent my IDR Recertification as required, including my entire tax return to XXXX XXXX. On XX/XX/2019, I received a document stating I had not sent all required information. I immediately called and asked what was required, and the agent said there had been an error and they would send my documents for review again,. As I didn't hear from them two weeks later, I called again. They didn't know anything about my previous call 's results, and they said again that I had in fact sent all required pages and they would review it. Two weeks later, I had heard nothing, so I sent an email requesting follow up. I immediately received an email of links to the FAQ but nothing actually relevant to my problem. 

After one week with no further response, I called again, This time, it was claimed that my documents had been reviewed both times but I had not received the results I wanted. Note that I had received no notification of these supposed decisions. I was asked for other proof of income. I have uploaded these documents but received no confirmation of receipt. I also have no confirmation that I will not be required to pay the full amount in XXXX when my IDR expires. Moreover, if my IDR is calculated based on pay stubs rather than my income tax return, I will end up being billed more because my deductions will not be considered. This is fundamentally unfair.
Complaint sub-issue: Their investigation did not fix an error on your report

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts listed below. I believe it was reporting in error. 
XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A states : I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 states : A consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Account status incorrect

On my XXXX report ( which i have a XXXX XXXX account ), it shows that I have closed my XXXX XXXXXXXX XXXX  account when it's still open. i still have and use my card. i called them this morning and they claim that i ordered a new card when i didn't. i called to clearly get this situation fixed, and they acted like they couldn't do anything about it. i've heard plenty of negative reviews about XXXX XXXXXXXX XXXX   for quite some time now. I just want this Inquiry and there is a Discover card Inquiry on my credit report that is incorrect as well. I've never had a discover credit card. seems like no one can help me or someone is lieing. i've even tried to get some of the hard inquiry thats been on my account for years to be removed, and it's no help. I also hope that most of my hard inquiries that are from XXXX or XXXX to be removed if possible. it's some hard inquiries on my XXXX account that i feel should be removed as well. i would highly appreciate it if you can help me get this solved because this has been a pain on my brain for quite some time now.
Complaint sub-issue: Information belongs to someone else

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. HERE THE FTC # XXXX
Complaint sub-issue: Old information reappears or never goes away

The collection account with XXXX XXXX has been on my credit report for over seven years. The collection was last reported on XX/XX/XXXX as being opened in XXXX of 2014.
Complaint sub-issue: Didn't receive terms that were advertised

Under Citi Bank 's promotion plan, if I open a new account, deposit {$50000.00} in 30 days and keep them in the account for 60 days, I can get a {$700.00} bonus. I opened the new accounts in XX/XX/XXXX, which is the start of the nightmare. 
When I tried to deposit the money, I received the email stating that I have to submit utility bill & SSN, but I have submitted them and had received the receipt from Citi before ( see attachment 1, 2a, 2b ). It is obvious that Citi 's system had something wrong. Then I tried to contact Citi to figure it out. 
From XX/XX/XXXX, the second day of the new account opening, to XX/XX/XXXX, I have called or chatted online with the Citi agents for MORE THAN 20 TIMES ( see the attachment of Timeline ), struggling to find out what documents actually I should submit, when I can deposit the money, and even who really know the actual situation and give me a certain instruction. Sadly, in the 20-more calls or chatting, different people told me different answers. 
As all of the agents told me explicitly that I can not deposit money into the new account since it is on hold, I had to deposit them after XX/XX/XXXX, when I received the deposit notice. But Citi told me that my account does not qualify for the promotion bonus any more as I hadnt deposited the money in 30 days after account opening. It is so ridiculous! 
Firstly, it is the Citi agents who told me not to deposit the money when the documents were reviewed, which can be proved by the transcripts attached. Even more absurd is when the supervisor of the department rejected my complaint, she told me ACTUALLY I COULD deposit even the account is on hold. Who should I believe? 
Secondly, it is Citis confused management that led to the delay of document review. They kept on requesting the same documents which had been confirmed by their own system, they didnt send even one single message to request form W9 I only know it when I called by myself. I am even not sure when they have received all of my documents. 
Thirdly, Even the agent online who knows all of the processes admitted : since there was a delay of the account opening due to those documentation purposes, I'm sure that our Specialist team can enroll your account for this offer. But Citi just rejected my bonus disregarding all of the process and the records clearly kept in their system. 
I have attached the timeline of the whole case, I have attached all of the transcripts I chatted with Citi agents, and I think Citi has all of the call records in their system. I think it is quite simple to find the truth.
Complaint sub-issue: Their investigation did not fix an error on your report

I have filed several disputes on what I believe to be inaccurate information on my Equifax credit report. I can't get into the Equifax dispute system because they are constantly having problems with their website. I only have one of the dispute results readily available. 
There is a derogatory remark on my credit file for XXXX XXXX XXXX XXXX from XXXX XXXX XXXX for a collection of {$70.00}. I called XXXX XXXX for a copy of a bill as I have never received one. They tell me that they can't get a copy because it has been turned over for collection and I need to call XXXX XXXX XXXX XXXX. I call XXXX XXXX XXXX XXXX  to see if they can help me figure out what this is for. I get NO HELP from them. I am not going to pay something if I can't get a copy of a bill for it. 
This was on both on XXXX AND EQUIFAX. I file a dispute with both. XXXX cleared it off of my credit report.
Complaint sub-issue: Information belongs to someone else

This account is fraudulent XXXX XXXX XXXX. no action was taken
Complaint sub-issue: Information belongs to someone else

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX 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 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
Complaint sub-issue: Account status incorrect

This account was disputed multiple times before but only come out as verified through all three credit bureaus. This account has errors from XXXX  saying its open but XXXX  and equifax saying closed? Which one is it? This account needs to be deleted with all these inaccuracies.
Complaint sub-issue: Reporting company used your report improperly

On or about XX/XX/2021, a collections agent accessed my XXXX credit report fraudulently
Complaint sub-issue: Indicated you were committing crime by not paying debt

On XX/XX/XXXX2015 I filed a complaint with CFPB letting you know this company has incorrect information on me. I have no idea what they are talking about. However, I am exhausted from these people threatening me with being served if I don't respond. In the 2015 complaint, it stated the complaint is not to contact me. They have AGAIN. I had to explain the same thing over. I DO NOT owe any payday loans or any banks. This is harrassment at it's best.
Complaint sub-issue: Account status incorrect

I paid {$100.00} on XX/XX/2017 which was to pay the XXXX and XXXX payments. After seeing that the XXXX payment wasn't credited properly, I called XXXX. They explained that I made the payment one day too early ( the day before the statement comes out ) so the entire payment was credited to XXXX only. They corrected the status and even reversed the late fee but never updated the credit bureaus. They are still reporting me late for XX/XX/2017. The minimum payments for XXXX and XXXX were {$25.00} and {$53.00} so {$100.00} was more than enough to cover both payments. I did this because I knew I would be busy and out of town and I didn't want to forget about making the XXXX payment.
Complaint sub-issue: Information belongs to someone else

There is an inquiry from XXXX XXXX  in my XXXX credit report which I do not recognize. I am afraid this is a fraud case. The recorded date for this inquiry is on XX/XX/2018. Please help me out with this suspicious activity. Here is the contact information of the institution : XXXX XXXX, PA XXXX ( XXXX ) XXXX
Complaint sub-issue: Frequent or repeated calls

Problem with a credit reporting company 's investigation into an existing problem
Complaint sub-issue: Account information incorrect

In 2017 I filed a complaint with equifax regarding an incorrect balance on my credit report with XXXX XXXX. I informed them that they are reporting inaccurate information and asked them to verify the information. They refuse to remove the false information.
Complaint sub-issue: Attempted to collect wrong amount

in XXXX. 2018, I returned both phones to sender within 60 days return dates of purchase. When phones were returned and mailed to their warehouse. account ending in XXXX.
Complaint sub-issue: Account information incorrect

To whom it may concern, I recently pulled my reports and noticed you are reporting the incorrect info for this account XXXX  XXXX Account # XXXX. Because accounts that are incorrectly reported by your company and Equifax are different, this means the account has not been properly verified. Please delete this account immediately This account was paid
Complaint sub-issue: Their investigation did not fix an error on your report

THIS IS XXXX! I AM SUBMITTING THIS ON MY OWN BEHALF. I HAVE NO OTHER AUTHORIZED THIRD PARTY! I also let them know I am using this complaint, and everyone they reply back to with that stall tactic response, as response, as evidence in my lawsuit against them. 

To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in reporting factual data on my report. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure all information reported is completely accurate and correct. After reviewing my credit reports I have found that the accounts below are being inaccurately reported. The following information therefore needs to be re-investigated.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

List items here I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.

Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Also be advised that failing to comply within 30 days as spelled out by federal Fair Credit Reporting Act ( FCRA ) will result in me filing a complaint with Consumer Financial Protection Bureau ( CFPB ) and/or further legal action.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Complaint sub-issue: Deposits and withdrawals

On XX/XX/2022 I made a mobile check deposit of {$860.00} to my Citibank checking account. I noticed that when I made my deposit that nothing from my deposit was made available to me. I spoke with a Citibank representative through my Citibank app and they assured me that my funds would be available to me the next business day. I checked my account the next business day XX/XX/2022 and the amount that was available to me was {$1.00}. I immediately went back into my app and started a chat with a Citibank representative again and she then sent me the breakdown of the funds hold schedule. It clearly states in that schedule that a deposit in the amount of {$5200.00} or less {$250.00} of that said money will be available to the customer the next business day. Then it goes on to further say that for New Customers ( persons with an account for 30days or less ) the monies would be available in 5 business days. The first explanation applies to me but the second expiations does not. The fact that I have to wait 5 to 6 business days to access my money is very upsetting to me and non of the Citibank employees cared and were extremely rude. Two supervisors hung up on me and the other supervisor put me on hold and never returned to the phone.