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

On XX/XX/2021 I requested Equifax remove negative, unverifiable and defamatory information off of my credit report. The credit reporting agency is not complying with its own policies in a timely manner. 

On XX/XX/2021 I requested XXXX remove negative, unverifiable and defamatory information off of my credit report. The credit reporting agency is not complying with its own policies in a timely manner. 

On XX/XX/2021 I requested XXXX remove negative, unverifiable and defamatory information off of my credit report. The credit reporting agency is not complying with its own policies in a timely manner.
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Threatened or suggested your credit would be damaged

I moved into this house renting it, was there for 3yrs. never missed or been late for my rent.Getting repairs done was a big issue thru the way you had to email a request and wait to be contacted.on one time I called daily trying to conferm the work order. the company recognize my phone number.they would not answer my call. so I used my daughter phone the call was answered the second ring. I had to clean the house to move in or pay rent at the apartment I was moving from. this place already had my money.first week refrigerator broke, lost all my food.they would not replace.door knob broke, took about 2weeks to fix, toilet broke took almost 6days, air condition broke took 3days to fix, I didn't have a rep for 2years I know of. Finally a rep contacted me during the time the door knob was repaired. I never met him face to face, eventhough I asked to meet with him to discuss somethings that I was facing he told me he lived 1 1/2 hours away.my health started to flair, XXXX, and other symptoms started to surface. well the air condition went out again, this time it was a major fix. this is during summer time very high temps.3rd day a handyman showed up with a very small air condt. from XXXX XXXX or XXXX XXXX iam guessing. it did not cool the house only the living room with 4celing fans and 3 floor fans.without the air Black Mole started to surface by this time XXXX XXXX XXXX  and all kinds of med.i was not on XXXX until I moved here.my renew contract was for XX/XX/2019 XXXX XXXX contacted me to try and get me to renew, he told me please don't turn in my notice he was going to do what ever it took to keep me. I told him it was to late I had been thru too much.he said to me, I understand I'll start to show the house the end of XXXX. I told him that was fine air broke XXXX XXXX and was still not repaired when I moved XXXX
Complaint sub-issue: Information belongs to someone else

The following accounts were opened up fraudulently and I'm demanding the immediate removal of these unauthorized and unknown accounts, please remove and block the following 1. XXXX   {$4700.00} 2. XXXX XXXX {$0.00} 3. XXXX XXXX {$560.00}
Complaint sub-issue: You never received your bill or did not know a payment was due

I was shocked when reviewing my credit report and found a late payment on the date below : 60 days late as of XX/XX/2019 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.
Complaint sub-issue: Received bad information about your loan

I was unemployed and basically homeless for a period of time. I had not received any notifications of my account being delinquent im sure FED loans records will show returned mail of some sort during the periods of supposed missed or late payments in question. I have been on a forebearance and was on one and renewed as well I should not have any late payments showing on my credit report but instead i do. all my student loans are reporting as 120 days delinquent
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account Name : XXXXXXXX XXXX XXXX  Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX Account # XXXX XXXX Account Name : XXXX XXXX Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Can't use card to make purchases

XX/XX/XXXX Citi card avises by email of attempts to log into account. 

Email directs cardholder to follow link to reset password. 

Followed link and after 3 screens asked to call Citi by phone. 

Called and 3 different offices could not issue the verification code.

We have the screen shots recorded and will attach the file if your web process allows us to. 

XXXX XXXX
Complaint sub-issue: No notice of investigation status/result

I am filing this complaint because Equifax has not verified an account that they nonetheless continue to report incorrect activity on. I disputed the account well over 30 days ago and they can not verify the account, so under Section 611 ( 5 ) ( A ) of the FCRA : they are required to " promptly delete all information that can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Complaint sub-issue: Can't close your account

Account opened in fraud-while waiting for a resolution on Consumer Financial Protection Bureau case number XXXX opened on XX/XX/2018 on XXXX ' Store Account Card ending in XXXX I have made the discovery the store account was not closed properly for my protection. The fraudulent balance remaining on this card was XXXX 

Instead another account ending in XXXX has been opened fraudulently. I do not have a card for this account and I have not been using the store account to make purchases. 

The credit limit on my store account is XXXX. 

I called XXXX Fraud Division and opened yet another claim with XXXX Badge Number XXXX who stated all charges will be reversed however the store account was opened so I could use it. I replied " Why would I want to use a store account which has a corrupted balance ( charges which are not mine )? '' I'm appalled. The new balance is XXXX which consists of charges which are not mine.
Complaint sub-issue: Didn't receive notice of right to dispute

I called someone in the office today and her name is XXXX?? Shes very rude. Also, if your company located is is the United States, why do I have to pay the debt through XXXX XXXX?? What are other ways can I pay??
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2021, I requested a copy of a credit report from LexisNexis. I received a copy of this report on XX/XX/2021. 

On XX/XX/2021, I submitted a request via Certified Mail to LexisNexis to validate a Bankruptcy with the US Bankruptcy CourtXXXX XXXX to be listed as100 % accurate with no missing information. 

The letter certified letter was received by LexisNexis on XX/XX/2021. In response, I received a letter dated XX/XX/2021 that LexisNexis contacted XXXX XXXX XXXX to determine the accuracy and completeness of the information they are reporting. However, they did not verify the information to be reported 100 % accurate with the US Bankruptcy Court-XXXX XXXX I also verified with the US Bankruptcy CourtXXXX XXXX in writing that they do not verify or validate information with ANY Credit Bureaus or Credit Reporting Agencies such as LexisNexis. 

On XX/XX/2021, I sent a second letter via Certified Mail to LexisNexis to validate a Bankruptcy with the US Bankruptcy Court-XXXX XXXX to be listed as 100 % accurate with no missing information. 

The letter certified letter was received by LexisNexis on XX/XX/2021. In response, I received a letter from LexisNexis that they were unable to process my request at the time. 

As of XX/XX/2021, LexisNexis continues to provide Bankruptcy information to Credit Bureaus and have not verified said information to be 100 % accurate with no missing information with the US Bankruptcy Court-XXXX XXXX. 

Furthermore, the information is not being reported accurately & correctly with all Credit Reporting agencies. 

This inaccurate information has a negative marking on my credit and is affecting my ability to obtain credit as well as my credit scores. 

I would greatly appreciate it if you can make written contact with LexisNexis and request that they verify with the US Bankruptcy Court-XXXX XXXX in writing the information they are providing to Credit Bureaus to be 100 % accurate & complete.
Complaint sub-issue: Reporting company used your report improperly

There is Inaccurate Data that is reporting on my credit report
Complaint sub-issue: Account status incorrect

In XX/XX/XXXX my lawyer sent a letter to Fay Servicing that they provided incorrect information to the credit reporting agencies and to have it removed for both my mother and myself as we were both borrowers on the loan from XXXX. A DEED IN LIEU OF FORECLOSURE was provided by XXXX XXXX, XXXX who was my service provider with an agreement datedXX/XX/XXXX as recorded by the court in XXXX XXXX, Florida. Subsequent to the deed in lieu, the loan was erroneously transferred to Fay Servicing as the deed in lieu was executed prior to the transfer. 

Fay Servicing responded back on XX/XX/XXXX stating that they were in error of reporting the loan and they stated that on " XX/XX/XXXX the account boarded our system via transfer of servicing from XXXX. Prior to the transfer, a Deed-in-Lieu was executed however, we continued reporting the account as delinquent to the credit bureaus. '' They assured that it was removed from the credit bureaus and they would not report it in the future, however, I logged in to check my credit report while applying for an auto loan which I was denied for. I realized that Fay Servicing is still reporting the inaccurate information to XXXX - after 3 years later. 

I want this removed immediately as my credit has been damaged over the last 3 years due to Fay Servicing erroneous addition of this loan showing delinquent on my credit report. This should have been fixed when my lawyer addressed this back inXX/XX/XXXXand should have never been reported in the first place.
Complaint sub-issue: Attempted to collect wrong amount

I went into a   XXXX   XXXX   store located on  XXXX   XXXX  in  XXXX  ny. I asked the clerk for a     XXXX   XXXX   XXXX   for my cell phone but he did not have it. I turned around and walked out of the store. The clerk then chased me down into  the street  to ask me if I wanted to see if I was eligible for a free  XXXX . Being in need of a working telephone I walked back to the store with the clerk. After  XXXX  minutes of running my name in his system the clerk says hey you are eligible for an  XXXX . The only thing is that you have to pay  XXXX  dollars a month for it. I said honestly that 's a little expensive sir I do n't know if I can afford that. The gentleman continued persisting I get the  phone  & mentioning perks of having a  XXXX  with the   XXXX   XXXX   service. After a couple minutes of persuasion & reassuring me I finally agreed to get the phone. The gentleman then folded sum paperwork ackwardly & ask me to sign at the bottom for the    phone.   I had no clue that I was signing a contract agreement between me and a phone leasing for the  XXXX . The clerk lied about the agreement on the phone & did n't even mention that I was leasing a phone. He claimed I was paying  XXXX  dollars a month which was  XXXX  for the service and  XXXX  dollars off the price of the phone which is initially only  XXXX  dollars on the receipt. I payed up front  XXXX  dollars for the phone not to mention  XXXX  payments or more of  XXXX  dollars every  XXXX  weeks was removed from my account unauthorized. I went back to the clerk and pleaded with him to please take the phone back but the gentleman would not. He did n't want to service me anymore after I made the purchase which was not even a  XXXX  of the initial payment transaction. I spoke with the store owner about the ordeal and he apologized and agreed to take back the phone. We had schedule a day to meet at another store location of   XXXX   XXXX   on  XXXX   XXXX  but was unsuccessful due to lost of contact. I called the owner numerous times and left numerous messages to return my call but was unsuccessful.
Complaint sub-issue: Reporting company used your report improperly

As you know, Equifax had a security breach that exposed the financial information of almost half the population of the US to hackers. This will create life long identity problems for millions of people. I went to the Equifax website and entered my information to see if I was one of the accounts that was involved. Equifax can not tell me if my data has been exposed. The website they setup for people to check if they are involved is not secure. They also withheld informing the public of the breach for two weeks ( while executives sold millions of dollars in Equifax stock ). This is not the first data breach at Equifax. This company should be held accountable for the pain this data breach will cause and the criminal behavior of the executives after the breach.
Complaint sub-issue: Trouble using the card to spend money in a store or online

I had XXXX $ deposited into my usbank reliacard account from unemployment benefits yesterday then all of sudden my card was locked ny usbankreliacard I still can't get or use money they won't give me straight answers except verify my identity and I have done that multiple times and different ways and still have it locked I can't pay my rent I'm gon na be homeless I can't eat I haven't had money in weeks and now I get my Money and they do this it's ridiculous my card is locked illegally there's no reason it should be locked
Complaint sub-issue: Overcharged for something you did purchase with the card

Paid of f Citi Diamond pr eferred credit card balance in  XXXX   XXXX . Have not used card for purchases in years nor have I enrolled in any Payment  Protection Plan  or auto pay. In  XXXX   XXXX   Citi  Bank auto withdrew {$28.00} from my checking account and emailed me stating that my online statement was available and that my next bill was due on  XXXX   XXXX   XXXX . As I write this I have been transferred to  10 times to 10 different people at Citi Bank in 3 hou rs time. No one can explain why there are {$850.00} in charges on my account and why after 2 years I am now being charged {$28.00} per month.  One  person told me it was fraudulent charges but cant tell me what they are, another told me it was Payment Plan charges, another told me it was because they have my address wrong. I cant even access the account online any longer to see what the charges are. They are asking me to write a letter explaining what I have tol d 10 people an d then they will look into my account because they do n't have access to my account before  XXXX  received a letter a couple of years ago stating I was part of a class action lawsuit regarding being charged for products I did n't sigh up for with  Citi  I have now been on hold for 58 minutes and counting. Ok  11  people and they just disconnected me.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX has falsified XXXX different recent responses to XXXX unique and different complaints that i have filed in the past few months knowingly and with willful intent to ignore the specific complaint of each individual complaint for the sole purpose not taking responsibility their actions and are trying to conceal each complaint in its individual capacity. 

I am enclosing the XXXX reports for your review to confirm and validate these complaints as accurate and truthful. 

They are manipulating the CFPB reporting systems by closing the cases as duplicates to others which is false and deceptive with no supporting documentation
Complaint sub-issue: Funds not handled or disbursed as instructed

On XX/XX/22 I requested copies of bill payments to my XXXX  that they claim were not received. Investigation numbers XXXX and XXXX. Can not get a straight answer for several weeks. Went into 2 branches, several chats and calls all were disconnected. XX/XX/22 received letter from Citibank that payments were returned to them and money would be in my account in 1-3 days. As of today XX/XX/22 that still has not happened and I just can not get anybody to give me any answers or refund my money. Very frustrating!! 
Please help! Thanks
Complaint sub-issue: Didn't receive advertised or promotional terms

I received a promotional offer for m Citi Aadvantage pro gram that incudes  XXXX  promotional miles. I called to confirm that I will receive the miles and was told yes.   Then, 3 month later, when I met the requirements of the promotional offer, I was told I will not receive the miles.
Complaint sub-issue: Personal information incorrect

I have been trying to get these incorrect addresses belong to me removed from my credit report. I have sent letters every month to XXXX, Equifax, and XXXX  and I have not received any mail back from them and no movement. 

Please remove these wrong addresses proof of my residential address is attached : XXXX  XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, SC XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, SC XXXX Equifax XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Complaint sub-issue: Account information incorrect

FEDLOAN SERVICING from XX/XX/XXXX ACCOUNT # TO WHOM IT MAY CONCERN, This letter is a second formal complaint. I am in disagreement with the items listed above that still appear on my credit report, even after your investigation from XX/XX/XXXX. 
I would like these items immediately re-investigated and deleted. 

I would like this account deleted and removed from my credit report. Included are documents from department of correction, stating that I was incarcerated when this account was opened in XX/XX/XXXX. I did not receive funds or able to receive student loan benefits because I was in jail the date this account was open. 

Please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please forward me an updated credit report after you have completed your investigation and corrections. I request the item be verified manually and 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. Also please provide the name, address, and telephone number of each credit grantor or other subscriber. 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. 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. Lastly to help resolve the issue I will be filing complaints and forwarding this letter to the FTC, CFPB, and FEDLOAN SERVICING.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau date the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX ) XXXX
Complaint sub-issue: Was not notified of investigation status or results

I have not contacted Equifax, because they have no contact information. 

My complaint is against Equifax and the 143 million credit records that were hacked. I fear all my personal financial/identification has more than likely been compromised ; yet, Equifax did not make this hacking public until 30 days after the fact giving Equifax executives time to sell their stock in the company. 

Equifax has offered no solution, protection to the individuals that they collect information about. I kindly request that the Consumer Financial Protection Bureau hold them accountable - personally and financial to any of us that have been put at risk. 
Thank you.
Complaint sub-issue: Debt is not mine

A representative called me from XXXX XXXX stating that I owed a debt from Citi Bank and that they were going to sue me if I did not pay them {$16000.00}. I did not know about this debt, so the representative said he would transfer me to the fraud department. After sitting on hold for over 10 minutes, I call back the number that called me ( from the caller ID ), talk to the rep again and he then transferred me again. The man that answered said the debt was from 2005 ( over 10 years old ) and said " You must have been transferred here because you do not want to pay ''. I said if this debt is from 2005, it is over 10 years old and is a time barred debt ( Cal. Civ. Proc. Code 312 et seq. ) so he can not report it, nor can he sue me for it. He said he was from a legal firm and would see me in court and hung up.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX - ( Please see page 4 and 5 of  the attached credit report. ) These accounts reflect a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. It is impossible to be late on accounts that have a {$0.00} balance and {$0.00} past due.
Complaint sub-issue: Problem with personal statement of dispute

My attachments will describe the issues which involve : 1. XXXX failure to comply with Fair Credit Reporting Act ; 2. Failed to correct incorrect derogatory information in my file ; 3. Exhausted myself providing evidence that refutes information contained in my credit report ; 4. Failed to include statement in my credit report sent certified mail 3 bureaus ; 5. Failed to notify me that they had frozen my account ; 6. Failed to notify other credit bureaus ; 7. Failed to provide a credit score and report as recently denied credit.
Complaint sub-issue: Funds not handled or disbursed as instructed

I joined us bank because I am on the road with my work and needed to be able to deposit through the app or atm/ they would often freeze my ability to deposit causing my account to overdraw- then charging me fines and freezing my ability to deposit anything. 

I had multiple work checks I needed to make sure were deposited- they refused to give me access to look up and told me to put through the app. They granted two checks total lying XXXX then before the checks even hit the payee bank they backed out of my account them demanding the money when they already backed out. Now I dont have any access to accounts and they wont help me on the phone nor branches. I cant open another checking account and they have reported to my credit