Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Old information reappears or never goes away

I successfully disputed an address off of my credit report with Equifax about a month or two ago. I got a letter in the mail saying that the address was deleted but for some reason Equifax, acting as a consumer reporting agency, has given me the impression that 15 USC 1681 does not apply to them in any way, shape, or form. They have amazingly decided to break federal, especially the Fair Credit Reporting Act, and state laws because they think as a consumer, I am not smart enough to know they are functioning under their own set of rules when it comes to my credit file and my credit report, which I also detailed in another CFPB complaint, with the complaint number XXXX ; where in complaint number XXXX, they willingly and negligently decided to update and change inaccurate and incomplete information in my credit file and on my credit report whenever and however they pleased instead of deleting and removing information after having knowledge the information was inaccurate and incomplete. 

Equifax deleted an address off my credit report and took it upon themselves to reinsert that address back on as they have been doing for awhile now. I am sure they have done this many times to other consumers because they do not care about 15 USC 1681 or any other federal or state laws. Just as I have done with complaint XXXX, I am providing evidence such as the time and date stamped letter stating the deletion, a credit report before my dispute, a credit report showing the address information deleted, and a credit report after the information was willingly and negligently reinserted back on my credit report and in my credit file. I am lucky that I know exactly how they are violating the law and I have pulled my credit report almost every week over the past year in order to catch their violations. 

I will be forced to seek legal action in federal and/or state court for these negligent and willful violations of the law, if this address information and the information from complaint XXXX is not deleted and removed from my credit report and credit file as soon as possible and another new credit report reflecting those changes is not sent to me very soon.
Complaint sub-issue: Reinserted previously deleted info

Inquiries on my Equifax credit report were removed and re-added without any type of notification. I do not understand why this happened because this is a FCRA violation. I tried calling in, but did not get anywhere because the call volume was too high and I had to go back to work. I would really appreciate someone reaching out to me or just resolving this matter behind the scenes by removing these inquiries off of my credit report. I would really appreciate it. Thanks.
Complaint sub-issue: Need information about my balance/terms

Refinanced my loans through XXXX. XXXX sent checks out to all parties including discover. Discover received the check and cashed it but no credit was made to my account. An image of the check was sent to discover and still no answer as to where the XXXX went.
Complaint sub-issue: Transaction was not authorized

Dear Sir/Madam, Attached, please find the letter I sent to Citibank on XX/XX/2021, requesting for them to reimburse me for the loss of XXXX XXXX ( {$2500.00} ) in funds that were withdrawn from my savings/checking account without my authorization. 

Today as I write this letter, it is over two months ( 2 months ) since the funds were removed from my account and over one month ( 1-month ) since I requested to obtain all copies of the information used in their investigation. I am entitled to receive this information by law. Attached, please find a screenshot of half a page of a XXXX Investigation Commentary, which I will abbreviate as ( XXXX ). I also contacted XXXX and informed them of the fraudulent activity on my account. 

In reviewing this XXXX, it appears to me that : Citibank did not conduct a thorough investigation based on the half-page XXXX document that was provided. Indeed a thorough investigation would include things like other disputed transactions involving Citibank customers, XXXX, and the name of the " receiving bank. '' I am asking that Citibank look into that connection. 


Despite apparent authorization ( as they contend ), the transactions are unusual and out of character for my account, which has been at Citibank for thirty-nine ( 39 ) years. Therefore these transactions should have been flagged by Citibank as suspicious. 

Citibank does not identify the receiving bank. Why? This lack of disclosure indicates to me some bad faith effort on their part. 

If Citibank has records of multiple disputed transactions with other customers involving the receiving bank, they should have known there was a pattern of fraudulent transactions with that bank. 

Citibank has a fiduciary duty to protect its customers from fraudulent transactions. If they have pre-existing knowledge of problems with transfers to this existing bank, this will make them liable for failing to take steps to protect me and prevent this fraud. 

When I filed my claim with Citibank on XX/XX/2021, I also submitted a police report. Citibank states that they stand ready to provide full cooperation to law enforcement officials in any pending investigation. If this statement is sincere, they should be willing to give a list of all disputed transactions involving the receiving bank. 

I want to reiterate that Citibank states they are sensitive to my situation. If they are sensitive to my victimization, they should treat me as a valued customer and share all information gathered in their investigation. Failure to provide all information indicates that Citibank simply and arbitrarily is denying my claim for a refund. Meanwhile, their unwillingness to do so continues to inflict on me significant financial hardship and tremendous stress.
Complaint sub-issue: Their investigation did not fix an error on your report

I am working with XXXX and XXXX to resolve an issue with Firstmark Services, the loan servicer who bought my student loan from XXXX XXXX in XX/XX/XXXX. 

I have been paying Firstmark Services XXXX XXXX monthly since XX/XX/XXXX. This is the only account I need to make payments on, and my XXXX XXXX has not improved despite my timely payments. After going back-and-forth with Firstmark Services personally and filing disputes against them through XXXX and XXXX throughout XXXX, one of Firstmarks customer service agents finally disclosed the problem to me. 

Firstmark Services has been applying my monthly payments to the interest on my loan exclusively. This was never clearly expressed to me through an agent or the loan servicers communications until I spoke to them on XX/XX/XXXX. Their reasoning for this is unclear. Firstmark Services claims I agreed to exclusively making interest payments instead of splitting my payments between interest and the principal loan, which is not true. I immediately began looking into my refinancing options, and then I realized their insidious plan to prevent me from escaping their clutches. 

Firstmark Services applied my payments to my interest exclusively to prevent me from raising my credit score and having my loan refinanced by another bank. They altered my interest rate upon purchasing my loan from XXXX XXXX to ensure my minimum monthly payments only cover the interest, and my loan continues to grow exponentially so I owe them more money. There is no way I can get out of this because Firstmark Services added remarks to my account for the credit bureaus stating that the bureaus are not to raise my credit because I am only paying off interest, according to a representative from XXXX. 

I believe Firstmark Services wrongfully led me to presume my payments were being applied to the principal and the interest on my student loan. Until this month, I was in good standing with Firstmark Services. Now, I refuse to pay them until all my previous payments are applied to my credit score so I can have my loan refinanced.
Complaint sub-issue: Information belongs to someone else

IN REGARDS TO EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX THEY ARE CONTINUING TO REPORT TWO FRAUDULENT ACCOUNTS I KNOW NOTHIG ABOUTON MY CREDIT REPORT AND HAVE NEVER HEARD OF THESE COMPANY BEFORE AND HAVE NEVER RECEIVED ANY CORRESPONDENCE THEM. HOW AND WHAT THE DEBT IS FOR AND WHAT PROOF THEY HAVE THAT IM CORRECT PERSON THEIR LOOKING FOR? THESE ACCOUNTS WHERE OPENED I ASSURE YOU DUE TO ME BEING A VICTIM OF IDENITY THEFT AND EQUIFAX HAS YET TO NOT DONE A PROPER INVESTIGATION TO EVEN SEE THAT THESE ARE NOT EVEN MY ACCOUNTS AND DONT BELONG TO ME. I HAVE NEVER HEARD OR HAD A XXXX XXXX XXXX ACCOUNT.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

EOS CCA sent me a letter stating that I owe {$640.00} for a XXXX bill the first week of XXXX. On XX/XX/2018, EOS CCA received my letter asking them not to contact me again. The letter was sent USPS certified mail. They called me 17 times in 2 minutes on XX/XX/2018 times in 2 minutes on XX/XX/XXXX, and again 18 times within 2 minutes on XX/XX/XXXX. They have also tried to contact me with single phone calls on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Complaint sub-issue: Investigation took more than 30 days

The company 's response to CFPB case # XXXX is misleading and inaccurate as the dispute filed with Equifax ( XXXX # XXXX ) on XX/XX/XXXX was concluded on XX/XX/XXXX and despite all of the payments being reported as " ON TIME, '' they are STILL reporting the account was XXXX days past due, which is inaccurate given all of the other information. This inaccurate information is NOT still under dispute as the company 's reply indicates in their response to the CFPB case mentioned above. Attached is proof of that dispute from Equifax. The information was updated to include the DATE CLOSED as XX/XX/XXXX, but the DATE OF 1ST DELINQUENCY shows as XX/XX/XXXX. It is not possible to have an account become delinquent AFTER it is closed. They are also reporting that the XX/XX/XXXX ACTUAL PAYMENT AMOUNT was {$640.00} while also reporting that the DATE OF LAST PAYMENT was XX/XX/XXXX for {$41000.00}. Everything about this account is contradictory as it is being reported. It is clear that the information is incorrect, and it is adversely affecting not only my actual credit score, but my ability to close on the refinance of my home.
Complaint sub-issue: Information belongs to someone else

Equifax entered two collections on my credit file on XX/XX/21 ( which caused my homeowners insurance company to raise my homeowners rate by {$400.00} due to credit rating issues XXXX. I discovered the entries on XX/XX/21 and immediately called Equifax to dispute the entries. The collections were for medical procedures in the Northeast U.S. I live in Mississippi and haven't visited a doctor  other than my family doctor in 10 years. Equifax should have identified that the filings were some type identity theft or error initially. They could not have had any contact information for me or they would have called or send bills. Equifax assigned a dispute number of XXXX. I followed the called in dispute with a certified letter. Equifax entered two disputes -- the original and another identified as XXXX. I called Equifax to determine what the second dispute was and they explained that it was a duplicate -- exactly the same as the first dispute. On XX/XX/21, dispute XXXX was completed and Equifax posted that " the item had been deleted from the credit file and actions taken to insure that it did not reappear ''. The collections were still in my file and dispute XXXX was still listed. When I called about this I was told again the the two disputes were identical and the second should have been closed also along with removal of the collection entries. I was told it would be done within a couple of days. That was over a week ago and they still remain. Meanwhile Equifax has sent a credit score of XXXX to XXXX where I have a mastercard account with a 5 % apr because of excellent credit XXXX my previous rating from Equifax to XXXX was XXXX XXXX. I spent over 50 years building an excellent credit rating which saves me money in many areas and Equifax is ruining it all in a few weeks with their failure to identify a clear case of identity theft or error!! This should not be allowed to happen!! In addition, this is the 32nd day since I reported this which is two more than allowed by section 609 of the Fair Credit Reporting Act.
Complaint sub-issue: Debt was result of identity theft

i had an identity theft and i keep getting all kinds of collection agencies trying to collect for items like this sprint cell phone account, i have no idea where this came from, i asked them several times to send me any information according to this account with the contract and signature dates and information. they never sent it, and i keep getting calls, after asking them several times to please contact me through the mail. they have been calling my job as well with constant harrassments.
Complaint sub-issue: Information belongs to someone else

To Whom it may concern i did authorize any of the companies listed to run my credit i do not know of any of these companies.
Complaint sub-issue: Confusing or misleading advertising or marketing

I have been actively looking for vehicles on Carvana since XX/XX/2022 with the intentions on financing utilizing my consumer 's rights via consumer credit transactions. However, each and every option that Carvana has available requires a down payment ( violations of 15 USC 1601 and 15 USC 1662 ).
Complaint sub-issue: Other problem getting your report or credit score

EQUIFAX froze, blocked and/or locked my account without any reason. I never requested this. They refused to rectify that issue. 
They also completely blocked my credit score. 
I could not view any EQUIFAX reports or scores online. 
They blocked my credit score from XXXX XXXX XXXX where I was applying to refinance my mortgage, causing me to lose the rate promised on XXXX. 
I spent three hours a day for three days on the telephone with EQUIFAX attempting to fix my credit report and credit score. It is still not fixed. I can not see my credit score, XXXX XXXX XXXX can not see my credit score, which has prevented me from going forward with my home refinancing. Which is costing me a lot of money. They lie on the phone and say its fixed, but it is NOT. They disconnect calls, everytime I call them, because they do not want to help me. All other credit reporting agencies have complied and given XXXX XXXX XXXX my information. EQUIFAX is refusing with no reason or cause.
Complaint sub-issue: Don't agree with the fees charged

I have a significant amount of student loans from law school which are now serviced through XXXX XXXX at myfedloan.org. I am on the IDR plan as I can not afford the minimum payments and I am required to recertify each year to stay on the IDR plan. I did so this year, filing the recertification on XXXX XXXX. On XXXX XXXX, I received a notice from XXXX  saying I had not yet recertified and that while my loans would remain on an IBR plan, my new monthly payment would be more than double what I had been paying. I reached out to them and was told they could put me on a forbearance until the certification issue had been cleared up and that is what I did. Later on XXXX XXXX I was told that my IDR plan recertification was approved. I emailed again on XXXX XXXX asking for clarification as to what happened and notifying XXXX that throughout the summer, my minimum payments had been {$0.00} ( despite my IDR plan being recertified in XXXX ). I was told on XXXX XXXX that they did not receive my recertifcation on time, despite submitting it days before their notice that I ( erroneously ) had n't yet recertified and thus my partial financial hardship payment on the IBR Repayment plan expired and the unpaid interest was added to the principal balance ( through capitalization ) and that this was unable to be reversed! I was never told this was a possibility and I have never had this problem before in years of paying off loans. Now my monthly payments are approximately the amount they had been before, but my current principal balances have increased by a total of about {$15000.00}! Is there anything that can be done? I 'm already going to be paying these loans for the rest of my life!
Complaint sub-issue: Information belongs to someone else

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX - XXXX WFDS XXXX XXXX XXXX - XXXX ( Orig Cred : XXXX XXXX ) - XXXX
Complaint sub-issue: Confusing or misleading advertising about the credit card

I am very sorry to have Home Depot Credit card. I will not buy anything from Home Depot period. They tell people no interest for 6 months or 12 months with out telling them if you can not pay in full during this period you will be charged interest for whole amount you borrowed regardless how much you paid. Just not for the remaining balance, Even you only owe XXXX cents. Their interest is also out of the world. I request everyone to file a complaint with Federal Trade Commission about this predatory and foreign policies. Thank you.
Complaint sub-issue: Information belongs to someone else

I have many times disputed two accounts and requested proof of debt. 

I have requested proof of debt from EQUIFAX and from creditors and neither can supply anything. 

EQUIFAX only send letters of confirmation. 

The disputed accounts are : XXXX XXXX and XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I am a former XXXX XXXX student who s applications for borrower defense to loan repayment was approved in XXXX of XXXX. Under the court rulings and the secretary of education authority, all outstanding loans, paid off loans and negative reported account history should be forgiven erased, loans dismiss and/or reimbursed. All loans that were on my credit in XXXX were paid off after a payment settlement with the department of education, balance which was reimbursed to me a few months ago. Since the approval of my application I have been contacting the department of education, the different credit reporting agencies and the original loan provider ( XXXX XXXX ) attempting to have this loan accounts and negative, derogatory and inaccurate information from my credit reports. I have called each of the above places several times but each place deny being the people reporting this information. I can not find the company or department responsible for this information being on my file. I have disputed these items numerous times and they always remain on my credit and after I call all parties involved to see who is reporting this incorrect information attempting to have it removed all parties give me the same answer.. that they are not the ones reporting this information.
Complaint sub-issue: Didn't receive terms that were advertised

On XX/XX/XXXX I signed up for a checking account promotional offer that I was targeted for via snail mail from Citibank. The offer consisted of the following requirements : XXXX AA miles bonus when you open a Citi Priority Account Package and make {$750.00} in debit card purchases and pay one or more bills for two consecutive months. On XX/XX/XXXX I had completed all requirements which were two consecutive monthly bill pays to XXXX plus a {$750.00} debit card purchase. 

Because we're 3 months past the fulfillment of the requirements, I checked with Citibank via online chat what was the status of the bonus. I received the following from the chat rep in regards to my request to check on the status of my promotional offer being disbursed : " You are correct. {$750.00} was made within 60 days upon opening which is XX/XX/XXXX. Two consecutive months bill payments made 1 in XX/XX/XXXX and the last one is XX/XX/XXXX. 
XXXX at XXXX, XX/XX/XXXX : And it states that : XXXX at XXXX, XX/XX/XXXX : The AAdvantage bonus miles will be credited by Citibank to the AAdvantage account within XXXX calendar days from the date when the client completed all offer requirements. Bonus miles credited will be based on the consumer account package at the time of qualification. 
XXXX at XXXX, XX/XX/XXXX : This should be posted automatically by XXXX Thursday. '' On XXXX I received an email notification that I did not meet the requirements. The following language was Thank you for choosing Citi for your banking needs, and for your enrollment in the Citibank {$600.00} Checking Offer ( " Checking Offer '' ). Unfortunately, we have determined you have not fulfilled the Offer 's required activities for the following reason : The required deposit balances were not met during the offer period My mailer offer was NOT for {$600.00}. It was for XXXX AA miles. The requirements were {$750.00} in debit purchases and two consecutive monthly bill pays. Citi may have a {$600.00} checking account offer that is worth {$600.00} bonus but this was not the offer that I received. 

I am seeking a resolution to this issue that Citibank is notorious for, not fulfilling offer promotional terms and conditions.
Complaint sub-issue: Their investigation did not fix an error on your report

Their investigation results verified this account but did not provide the procedure of description on how they verified this account. Under 15 U.S.C 1681i ( 6 ) ( B ) ( iii ) it clearly states A notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency I am requesting the description of the procedure used to verify this account. 

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

I have been disputing inaccuracies on my credit report in regard to XXXX XXXXreporting inaccurate opening date and child support inconsistent reporting. I have seen all credit bureaus 5 rounds of disputes and there hasn't been any correction to the inaccuracies.
Complaint sub-issue: Information belongs to someone else

I have attached letters that show all errors or fraudulent accounts appearing on my credit.
Complaint sub-issue: Was not notified of investigation status or results

ON XX/XX/2021, i sent my first letter to EQUIFAX disputing the unauthorized inquiries that they are reporting on my credit report inaccurately. I didn't not allow anyone to pull my credit, in which i asked for documentation which i never received.I then send out my 2nd letter on XX/XX/2021, and they haven't responded to either one in which is a violation of the law. I am asking to resolved this matter with these unauthorized inquiries.
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$2000.00} XXXX XXXX Balance : {$6800.00} XXXX XXXX Balance : {$90.00} XXXX XXXXXXXX Balance : {$31.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.