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

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

The following information therefore needs to be reinvestigated. 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 :
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/XXXX I had went to see if I can get a quickloan just to boost my credit score alittle up, we got the application part when i realized I left my state id ( wallet ) in my car which they needed for the application once I gave them my id and they took my info I got a notification on my phone that my credit score dropped down 94 points, which I never authorized them to run my credit or never even got to that part, i called they're company and talked to mostly even department they've transfer me too and still nothing. The company is " XXXX XXXX  "
Complaint sub-issue: Reporting company used your report improperly

TCF BAN K IS FAILING TO REPORT MY ACCOUNT TO  XXXX  CREDIT REPORT.
Complaint sub-issue: Application denied

I applied for a credit card account, and received a letter ( see attachment ), stating they can not verify the information in my application and to call a number to speak with a rep within 30 days or the application will not be considered. SO I called the number on the letter and got nothing, was not able to speak to anyone, and I still have no specific letter stating the reason ( s ) /explanation as to why the credit account has not been established as of today 's date XX/XX/2022, ( in accordance with the FCRA ). 

I have a right to know /receive a letter stating specific reason ( s ) why the account has or has not been set up. There is nothing wrong with my credit ( I have several other credit cards and all are current ). So there's no reason why the application should be denied. The letter says Citibank can not " Verify '' the info in my application, why is that? Opening a " secure credit card '' account with my " OWN Deposit '', is what I want to do.
Complaint sub-issue: Information belongs to someone else

PLEASE REMOVE ALL THESE ADDRESSES I HAVE NEVER LIVED AT/DOES NOT BELONG TO ME : XXXX XXXX XXXX XXXX AK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX SXXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX # DW XXXX CA XXXX, XXXX XXXX  XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX AK XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX AK XXXX, XXXX XXXXT XXXX XXXX XXXX XXXX AK XXXX, XXXX XXXX XXXX XXXX XXXX AK XXXX XXXX XXXX XXXX  XXXX AK XXXX XXXX ( AND ) PLEASE REMOVE ALL THESE NAMES THAT IS NOT MY NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I understand what my rights are under the FCRA summary shown on XXXX, my rights have been breached with the accuracy, fairness, and privacy of information. I have never consented to this person towards anything related to my credit/or accounts.
Complaint sub-issue: Can't use card to make purchases

I have a new Citi credit card. Initially the card didn't work because Citi wanted to verify my social security number. I submitted the documents they required and within a few weeks the card began working. Shortly though, the card began declining charges again. This is a new problem with the same credit card. THIS IS NOT ABOUT THE SAME ISSUE AS MY PREVIOUS COMPLAINT.
Complaint sub-issue: Their investigation did not fix an error on your report

All 3 Agencies have refused to remove negative information even though I have Disputed Issue Several Times and provided supporting documentation that the Lender, XXXX XXXX XXXX, has not only ceased collections activities- but has sent 1099C Letter to IRS , and per Lender, in 2018. This Account should be Expunged from the Credit File immediately. Efforts to Submit a Dispute with all 3 Bureaus has been timely and burdensome, and not investigated.The Credit Agencies list " updated '' without any proof of fact-finding, which they have not attempted to do.
Complaint sub-issue: Unable to open an account

Applied online for and funded a checking account with a {$15000.00} transfer from an external account on XX/XX/21. Confirmed with Citibank in an online chat later that day that account was successfully opened. Initial funding transferred from external account and showed as pending/on hold when logging in online to newly opened Citibank account. Received email from Citibank on XX/XX/21 that account would be automatically closed in 60 days because it was found that I had violated the terms of my account per the client manual. I called the number in the email to get more information regarding this notice and, after being transferred to 4 different individuals, I was finally able to speak with someone on Citibank 's fraud team who told me the account was set to be closed the same day I applied on XX/XX/21 for some reason they could not disclose over the phone, but that I would be receiving a letter in the mail with an explanation. When I inquired about being returned the {$15000.00} I had transferred to Citibank to fund my account, I was told that the status of that fund transfer was being reviewed and it could take anywhere form 30 to 60 days before that money would be returned, and another 10 to 15 days for the money to arrive by check in the mail. In addition to the unsatisfactory answers I received regarding the account being closed for vague reasons, I also expressed my dissatisfaction regarding the amount of time it could potentially take to have {$15000.00} returned to me. There was no intent by anyone I spoke with at Citibank to alleviate what to me feels like an unjust holding of money that belongs to me. I don't understand why money that was so easily transferred in when opening the account couldn't just as easily be transferred back. No one at Citibank was willing to help to resolve this matter in a satisfactory manner.
Complaint sub-issue: Reporting company used your report improperly

To whom it may concern, I would like to state that LexisNexis is in violation of 15 USC 1681 ( a ) ( 4 ), which states that in relation to accuracy and fairness of credit reporting The congress makes the following findings : ( 4 ) There is a need to ensure that consumers reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy. LexisNexis is going out and fishing for negative information about me, it an infringement upon a consumers right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). LexisNexis is also in violation of 15 USC 1681b ( a ) ( 2 ) which states ( A ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. LexisNexis did not have a permissible purpose, nor did they have my written instruction to report a bankruptcy on my behalf the consumer XXXX XXXX XXXX XXXX. LexisNexis, without my written consent furnished negative information about a XXXX XXXX Bankruptcy XXXX # XXXX to XXXX. I never gave XXXX or LexisNexis any written consent to report anything on my consumer report.
Complaint sub-issue: Information belongs to someone else

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report. XXXX XXXX {$1800.00} XXXX XXXX XXXXXXXX {$23000.00}
Complaint sub-issue: Unable to open an account

First complaint filed with BB & T Bank not answered properly, I asked for specific information that was not address in response, I hereby request BB & T has violated my rights and request to be removed from XXXX and XXXX XXXX at once XXXX XXXX
Complaint sub-issue: Information belongs to someone else

XXXX Opened XX/XX/XXXX {$390.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$1300.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$52.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$270.00} Original creditor : XXXX XXXX XXXX XXXX  XXXX XXXX  Opened XX/XX/XXXX {$4600.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX {$1600.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX all ftc violations took off and put back on without notifying me They have the police report and ftc all filed
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

The company constantly close my cases XXXX without giving me any legitimate reason. The company close the dispute case claiming that I did not upload supporting document. But I did upload everything they requested and the bank portable confirmed the receipt of my uploaded documents
Complaint sub-issue: Account status

My spouse and I have sent the credit bureaus multiple dispute letters certified with documentation supporting our claims and they have completely disregarded our concerns. There is an XXXX debt and some late payments reporting inaccurately and we are trying everything in our power to get it rectified. Hoping this process will make them take us seriously.
Complaint sub-issue: Charged too much interest

In my XXXX. 2017 credit card statement, I noticed in the " 2017 totals year-to-date '' box that I had been charged {$20.00} in interest. I pay all my bills in full and on time so this did n't make sense. I called VISA and they checked my payment record and agreed to credit me back the amount. 

My concern is for other customers who pay as I do and do n't notice this charge. There could easily be thousands of us who have been overcharged possibly totaling hundred of thousands or millions of dollars. 

So I 'm bringing this to your attention.
Complaint sub-issue: Information belongs to someone else

This account has popped up on my credit report, to the best of my knowledge i believe i have been a victim of identity thief and i am taking proper actions to correct all issues that i am having. The following account need to be investigated please : XXXX  XXXX  XXXX  Original creditor : XXXX UNIVERSITY  {$3600.00} There is inaccurate information listed on his credit report in violation of 604 ( c ) ( 3 ), 609, 615, and 623 of the FCRA. The law states, furnishers of information to consumer reporting agencies must be accurate and duly validated, and has the express duty to correct and update information that is inaccurate or has not been duly validated. Additionally, when such negative reportings are the result of identity theft, which is a possibility in this case, the law prohibits the reporting of such unverified accounts to be placed on a consumers credit report. Upon research, information, and belief, your bureau is in clear violation of this law. Additionally, 623 of the FCRA requires your bureau to correct and update information in such instances.
Complaint sub-issue: Information belongs to someone else

I HAVE CHECKED MY CREDIT AND FOUND SOME ACCOUNTS AND INQUIRIES THAT IS REPORTING ON MY CREDIT WITHOUT ME HAVING ANY KNOWLEDGE OF THEM. THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT WAS MADE BY ME.I HAVE TRIED MY BEST TO MAINTAIN A GOOD CREDIT AND IT IS SAD THAT I HAVE TO GO THROUGH THIS BECAUSE OF SOMEONE ELSE 'S WRONG DOINGS. BECAUSE OF THIS MY CREDIT IS IN A VERY BAD STATE. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED FROM MY CREDIT AS SOON AS POSSIBLE.
Complaint sub-issue: Personal information

They did n't file my insurance company and sent me a bill
Complaint sub-issue: Frequent or repeated calls

I owe cash call a debt, I have paid them regularly but have had to make arrangements to make payment later than usual or to skip a payment due to financial hardship. Although they set up plans with me to stop an automatic payment they continue auto draw my acct. I have an agreement with them now thru a supervisor to pay tomorrow XXXX/XXXX/15, today XXXX/XXXX/15 they have called XXXX times, using unk caller so I ca n't call back. I believe this is a violation of the law and when I asked them that they said they can call as often as they want
Complaint sub-issue: Information belongs to someone else

Dept of Ed/XXXX has placed a unknown account on my Credit Report on XX/XX/2013 in the amount of XXXX I demand that the account be removed.
Complaint sub-issue: Overcharged for something you did purchase with the card

I made two disputes on charges made by my XXXX, XXXXXXXX XXXX XXXXXXXX XXXX in XXXX. 

XX/XX/2021. Marchant charged {$38.00}, which includes {$28.00} XXXX service covered by my XXXX XXXX  plan XX/XX/2021. Marchant charged {$280.00} while XXXX approved {$230.00} as my copayment amount. 

I have submitted documents to prove these two overcharges to CitiBank N.A., but they made multiple mistakes, and now ended up charging me more than the original amount. 

Transaction on XX/XX/2021. Citi first gave me a conditional credit of {$28.00}, and later reversed the entire amount, so I still pay the merchant {$38.00}. 

Transaction on XX/XX/2021. Citi mistakenly charged me {$230.00} on top of the existing amount. So, I now have to pay {$510.00}. 

I contacted Citi Contact Center three times by phone ( XXXX ) on XXXX XXXX, XX/XX/XXXX and XXXX XXXX, and also contacted their representatives using their chat service on XXXX XXXX. They have failed to resolve the issues. 

Thank you for your attention. I have attached the following four documents.

1 ) Explanation of Benefit provided by XXXX on the service on XX/XX/2021. It indicates that I do not owe the merchant {$0.00}. The merchant later gave me a breakdown of {$38.00} ( {$28.00} for XXXX and {$10.00} for XXXX ). 
2 ) XXXX Coverage Info, which indicates that XXXX is covered under my insurance 3 ) Explanation of Benefit provided by XXXX on the service on XX/XX/2021. It indicates that my copayment is {$230.00} instead of {$280.00}. 
4 ) A list of related transactions in the Citi statements
Complaint sub-issue: Public record information inaccurate

I disputed a bankruptcy that's in credit report i ask the credit bureau to verify information and if verify to send that information from the company they verify it and they telling me the by law they not supposed to give any information I send a letter from the bankruptcy department were they specify they don't report or verify to the credit bureaus also send a letter from XXXX XXXX  showing there no information to verify from there records
Complaint sub-issue: Personal information incorrect

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.
Complaint sub-issue: Account information incorrect

I am disputing how XXXXXXXX XXXX XXXXXXXX has changed how they report my mortgage balance to all ( XXXX ) credit bureaus. Prior to and during my XXXX ACT forbearance, they would report ONLY my interest-bearing principal balance to the credit bureaus. I had a loan modification before XXXX XXXX XXXX purchased my mortgage ( which I had no say in ) that included a deferred payment at the end of the modified loan. Since coming out of forbearance in XX/XX/2022, XXXXXXXX XXXX XXXXXXXX XXXX decided to lump this deferred payment into the entire mortgage balance which is incorrect. They had been servicing my mortgage for at least XXXX  years before making this sudden change. 

I feel they made this change only in retaliation for them not being able to foreclose on my home. I was in forbearance for over a year because XXXX XXXX XXXX  gave me no options to come out of the forbearance like most customers normally could. It was after XXXX, pleading and XXXX  them for MONTHS on end did a nice customer representative take pity on me, escalated my situation and got the powers that be to agree to let me resume my monthly mortgage payments. The forbearance amount was then XXXX  into the interest-bearing principal balance. 

Since that time, now all of a sudden my mortgage balance increased from approx. {$XXXX} to a new mortgage balance of {$XXXX} on my credit report. This drastic increase has caused my credit score to drop XXXX points w/ XXXX XXXX XXXX and a whopping XXXX points w/ Equifax. I was never advised up front about how they changed reporting my balance and am therefore requesting them to change their reporting back to how it had originally been done for YEARS. 

This is again, a detriment to me and completely unfair as the consumer who never asked or requested XXXX XXXX XXXX XXXX my mortgage loan in the XXXX place. I feel I have been victimized again by this entity after going through so much to come out of forbearance only to have my credit ruined anyways which SHOULD NOT HAVE HAPPENED per what was outlined in the XXXX ACT. My credit has been impacted as a direct result of their changed procedures which only occurred after coming out of my XXXX  ACT forbearance. 

The reported balance to all ( XXXX ) credit bureaus for this account should be {$XXXX} which Im enclosing here. Im also enclosing my most recent mortgage statement which also shows a slightly older balance of {$XXXX}. Lastly, I feel I am owed an explanation as to why this entity decided to suddenly change their reporting procedures with no advance notice after years of reporting it differently. Thank you for taking this complaint into consideration. 

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

Even though Ive paid off all my loan and credit card balances Equifax is refusing to update my credit score. In fact theyve lowered it to a poor rating.Also XX/XX/XXXX has addressed for me listed in XX/XX/XXXX although Ive never lived in XXXX in my entire life. Equifax refuses to remove it. I reported this numerous times over the last year
Complaint sub-issue: Debt is not yours

I have recently received a letter from LJ Ross & Associates about a debt from XXXX XXXX XXXX XXXX Michigan for a bill for my daughter, stating that I owe them for a medical bill that was unpaid. I had spoken with XXXX 's a couple different times prior to that to tell them that they submitted the claim wrong and they would need to resubmit it. I had another child last year and I met all of my out of pocket expenses with insurance so it should have been paid. Once I got this communication from LJ Ross, I called them in regards to it. They told me to contact XXXX 's about the dispute. The visit in question was an emergency visit for my older child. She was experiencing a significant number of XXXX XXXX, which we have sine had XXXX at XXXX 's to correct. The emergency room visit was coded as " XXXX XXXX ''. Insurance does not recognize this as an emergency and that was not the reason that we were there. We came because it was late and my daughter suffered from multiple, painful XXXX XXXX I talked to XXXX 's and they told me that any new disputes had to go through LJ Ross. I contact LJ Ross another day and they tell me that they can not do anything and that I have to speak to XXXX 's about this wrong diagnosis code. I call XXXX 's back and explain the situation on another day and the representative hangs up on me. This is not the first time that this has happened. It takes alot of time to call these places in the middle of the day, when they are open and you are working but you get nowhere. Between 2 hour insurance holds and the games that the hospitals/collection agencies play, you are between a rock and a hard place. The XXXX that happened in XXXX was fully paid for because I met everything with insurance once having my newest addition. This is absurd that i have to keep fighting with them about these things but they wo n't help or investigate. Then, this week, I find that they have now put this on my credit report and I am seeking to resolve this asap.
Complaint sub-issue: Information belongs to someone else

I did reach out to XXXX XXXX several years back However since I started disputing the error with all three credit bureaus now the issue has because worse. I did not open nor request for a XXXX XXXX credit card. My next step is to file a law suit. I made several attempts.XXXX XXXX is being Negligent on this matter. 
It has paid {$180.00} XXXX in fines for unethical sales practices that included opening around XXXX XXXX fake accounts without customer authorization. ... An investigation by the bank 's own board in XXXX blamed top management for creating an " aggressive sales culture '' that led to the phony accounts.XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you 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. 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. 


If you claim this account is 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove this account from my file. DISCOVERBANK XXXX
Complaint sub-issue: Need information about your loan balance or loan terms

I cosigned for my grandson student loan in XX/XX/2019 for XXXX been making payments, statement shows principal payments of XXXX and interest of XXXX with a balance of XXXX how do I owe more than the original amount?