Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

The account in discussion is KeyBank Account # XXXX the issue at hand is a late reported in XXXX of 2020. Due to Covid-19 I was unable to make the payment but as soon as I was able to I got the payment made right away.
Complaint sub-issue: Information belongs to someone else

I obtained a copy of my credit report and observed that there are fraud items on my report. I have disputed with Equifax and it's still not resolved. This fraud items are severely impacting my life. 
XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX CHARGE-OFF I did not authorize or open this account above and have in several letters provided Equifax with affidavit and police report and have not received a response. 

This are fraud and unauthorized inquiries on my credit report as well that are negatively impacting me and credit report. 

XXXX XXXX XX/XX/XXXX XXXX : :XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

on both XX/XX/2021 and XX/XX/2021, I sent dispute letters to all three credit bureaus for the accounts on the letters attached to this complaint. 

I then followed up with a demand and comply. 

Lastly, I sent settlement letters for the violations on behalf of each credit bureau. 

I have yet to get any responses with results or notice of inaccuracies with my disputes. 

All letters are attached to this complaint. 

this is also a follow up to complaints XXXX and XXXX
Complaint sub-issue: Problem with statement of dispute

I disputed an account on my credit file and was advised that the item will be removed. However when I pulled a new report the item is still showing. I have made XXXX calls and spend over XXXX hours on the telephone with Equifax. I have had a number of problems with this credit reporting agency. I feel that they are using tactics to intentionally cause my score to be low. The item that is in dispute is the XXXX XXXX / XXXX XXXX for {$4200.00}.
Complaint sub-issue: Problem with customer service

I have as a Shell gas card issued by Citibank for several years now and have always been able to configure and receive account alerts upon specific events. One very important alert I have always had was instant notification when I or any of my authorized users make a purchase using my account.

Over a month ago my son 's authorized user card was compromised and the number used fraudulently. Citibank then cancelled his card and issued a new card with a new card number. As soon as that new card was received and activated, the alert function ceased to work. I have reset the alert several times and have gone through trouble shooting steps with Citibank customer service representatives, but the alert when my card is used will no longer function. I consider that alert extremely important and Citibank, acting incompetently, does absolutely nothing to fix their technical issues leaving my account very vulnerable.

Yet another issue I have with my Shel gas card issued by Citibank is trying to reach customer service via telephone. When I call the number on the back of my card, I am asked for my credit card number to pass their phone verification system. If the number is not entered or entered incorrectly, Citibank aborts the call. The problem is that the number on the front of my card will *NEVER* pass the phone verification system. Citibank customer service representatives have stated that my account number os not really the number embossed on my card and I am expected to remember a different account number so that I can call Citibank. This is the most idiotic concept ever invented. When I need to reach Citibank for an urgent matter, I can not rely on the information on my credit card and must remember yet another account number at all times.
Complaint sub-issue: Investigation took more than 30 days

I review a current copy of my credit report and I show inaccurate information listed. I also dispute account and I have not received any respond back per the FCRA law. On my credit report I show a called charge off to on my report that is listing a balance. I requested to have this account verified and I have not received any information. This creditor and/or collection XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX XXXX XXXX ) is showing on my credit report as a charge off with a Balance of {$620.00} which is a direct violation per FCRA and FDCPA. Any charge off accounts once report a balance of {$0.00}. this is not the case and I requested verification and received none.
Complaint sub-issue: Frequent or repeated calls

I am getting multiple calls all day from a bill collector. I do not know who they are nor have I received anything in the mail. I asked them not to call me during my work, but they are ignoring. They wanted my credit card info and I refuse to give it to a complete stranger. They call me daily at least 3-5 times.
Complaint sub-issue: Attempted to collect wrong amount

I received a letter on XX/XX/2018 was the date on the letter so I got it a few days later. 
It said to pay this amount within the 30 days or send a dispute. Wasn't going to dispute the outrages interest, I sent them a check in the amount at the top of the page. 
sent on XX/XX/2018 I wront on there as I do on all final payments " paid in full ''. 
They returned the check XX/XX/2018 with letter, it was the wrong amount they added an additional {$38.00} on to the bill. 
Then I receive another letter from the original creditor for another {$38.00} totaling the bill now at XXXX. 
First who do I pay? Second I am not paying all these extra charges since all they have to do is hold back a check and charge me more. I do not know if they are on commision or not but it looks like it.
Complaint sub-issue: Didn't receive notice of right to dispute

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX   XXXX, IN XXXX I have two collections accounts recent reported by XXXX XXXX in XX/XX/XXXXfor 2 medical collection accounts in the amounts of {$1100.00} and {$830.00}. These are being reported to all 3 major credit bureaus ( XXXX, Equifax, and XXXX ). These 2 collections accounts are being reported as of XX/XX/XXXX with a Date Opened of XX/XX/XXXX. These same 2 accounts were already reported previously by XXXX XXXX XXXX with XXXX XXXX XXXX being the original creditor. The 2 collection accounts reported by XXXX XXXX were in the amounts of {$1100.00} and {$830.00}. Both accounts were deleted from all credit bureaus as these were falsely reported accounts. XXXX XXXX 's collection accounts had Reported Dates of XX/XX/XXXX, and Date Opened of XX/XX/XXXX. So as you can see, not only are their discrepancies in dates, but it is obvious these are the exact same accounts just resold to another debt collector, despite the fact both accounts were already deleted and removed from all my credit reports. I was never provided notification, or allowed to contest this information. Once a debt comes off of your credit report, no furnisher, creditor, debt collector or credit bureau is legally allowed to reinsert it, disguise it and re-report it, without notifying you and giving you the opportunity to contest it. Is this not correct? I am in the middle of being approved for a mortgage and this is an absolute joke that the bureaus even allowed this information to slip past and be re-reported. Quite honestly I could pursue legal avenues and not only get my credit report cleansed of the false information, but I am also likely entitled to monetary damages. XXXX XXXX has already been contacted twice with no response received. XXXX  validated the debt even though it is clearly a re-reported account that they themselves already deleted from my report when it was initially filed under XXXXXXXX XXXX   XXXX. I opened disputes with all credit bureaus, and a complaint with the XXXX  against XXXX XXXX. In which, XXXX immediately responded and said for me to reach out via email. Which I have twice, and have received no response. I will continue to open complaints, and seek legal counsel if these are not removed. These are in complete violation of the FCRA. It is an FCRA requirement that the credit reporting agency notify you no later than five days after the date of reinsertion. It doesn't take a rocket scientist to realize these are the exact same debt collection accounts, just being reported under a new collector and new account number. Do your jobs credit bureaus it would take 2 minutes to realize these amounts tie out to each other and should have never been reinserted, not to mention it is in direct violation since you never sent me a notification.
Complaint sub-issue: Investigation took more than 30 days

PLEASE BE ADVISED, I'VE BEEN A VICTIM OF IDENETY THEFT. XXXX SENT IN MULTIPLE REQUEST TO EQUIFAX WITH 605B, REQUESTING FRAUDULENT INFORMATION BE BLOCKED FROM MY REPORT. SOME USED MY INFORMATION TO GET MEDICAL CARE. EQUIFAX REFUSES TO BLOCK THIS INFORMATION FROM MY REPORT. EQUIFAX SAYS THEY WILL INVESTIGATE MY CLAIM. WELL I HAVE A PROBLEM WITH THIS. BECAUSE THIS HAS TAKEN OVER 30 DAYS. EQUIFAX HAS MULTIPLE ACCOUNTS REPORTING DOUBLE ON MY REPORT. I'VE ALSO ASKED TO SEE A SIGNED CONTRACT, BECAUSE IVE NEVER DONE BUSINESS WITH ANY OF THE COMPANIES EQUIFAX IS REPOERTING ON MY CREDIT FILE. THIS FRAUDULENT AND INACCURTE INFORMATION IS HINDERING ME FROM GETTING CREDIT. EQUIFAX KEEPS IGNORING MY REQUEST, I WILL JUST HAVE TO CONTACT MY ATTORNEY. BECAUSE THIS IS A VOLATION OF THE FCRA. I SEND WILL ALSO A COMPLAINT TO THE FTC, AND XXXX. 
AGAIN THE FOLLOWING ACCOUNTS ARE FRAUDULENT AND MUST BE BLOCKED.. 

XXXX XXXX SERVICES {$380.00} ACCT # XXXX ( .XXXX  XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) {$1900.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} ACCT # XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) {$1900.00} ACCT # XXXX XXXX. XXXX {$1300.00} ( XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX {$42.00} ( XXXX XXXX ) XXXX XXXX {$42.00} ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Complaint sub-issue: Problem getting your free annual credit report

I can not access my equifax credit report! It states theres a block for promotional purpose! 

I can not access my XXXX report, its stating theres am open dispute. 

XXXX has a bunch of inaccurate information on my report!
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX identified me as Borrower on Car loan and I never had a car loan and it shows as repo/negative remark on my credit report ( Equifax ) and I needed it removed off. XXXX XXXX XXXX even went as far as Taking me to Court on XX/XX/XXXX. 2019 But the judge ruled in my favor and said the debt didnt belong to me. I filed a police report prior to court for fraud and it was honored.
Complaint sub-issue: Debt is not yours

debt is not mine never had a loan with XXXX XXXX XXXX university. i paid everything with my own money
Complaint sub-issue: Information belongs to someone else

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.. 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 an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXXXXXX XXXX Open Date XXXXXXXX XXXX XXXX Balance : {$250.00}
Complaint sub-issue: Their investigation did not fix an error on your report

Mobile application not working. No alert or notification of payment due. Unable to login. 

Finally deleted app and reinstalled Payment would not have been late if I was alerted
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/XXXX. XXXX, I mailed an affidavit to XXXX in regards to inquiries on my report. I recieved a letter claiming that my inquiries have been investigated and are valid. I spoke with XXXX different agents and requested that they send me the documents and report that proves an investigtion was completed. The agents claimed they are not obligated to do so. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I am expressing my right to demand that you disclose your compliance with XXXX XXXX and disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the inquiries that you are reporting in my credit report. 

Please dont respond to my request by saying that these accounts have been verified because I have never been sent proof of such. Instead, send me copies of the documents that you have in your files that were used to verify them.
Complaint sub-issue: Investigation took more than 30 days

ftc violations attached and listed XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX   XXXX XXXXDispute XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX SXXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXXDispute Personal Information NamesAddressesDOBSSNPhone Numbersshow tooltip button 24 personal information entries View All Accounts Credit CardsMortgagesLoansshow tooltip button 30 accounts, 18 potentially negative View All Inquiries For AccountsBy Employersshow tooltip button 9 hard inquiries Not Disputable Online. Details Public Records Bankruptciesshow tooltip button No public records reported
Complaint sub-issue: Reporting company used your report improperly

In XX/XX/XXXX- XX/XX/XXXX of 2017, Equifax, one of the three major credit reporting and monitoring agencies, had sensitive data compromised in a data breach that likely revealed information such as : Social Security Number, Drivers License Information, Credit Card Information, and Contact Information to criminal perpetrators of the breach. Equifax provided a website for users to enter a portion of their social security number to determine whether or not they may be impacted. After entering my information on XXXX XXXX, 2017, Equifax 's website alerted me that I was likely affected by this incident. I have added a temporary Credit Fraud Alert through a competing credit reporting agency, XXXX, in the event that my personal information is being misused to open lines of credit, etc. without my consent. I am filing a complaint as this breach of security and my personal information may be highly detrimental to my future plans of taking out student loans to return to school for a change in career, and am seeking means of restitution.
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 an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX  Date Opened XXXX XXXX, XXXX Balance {$1000.00} ; XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$76.00} ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$490.00} ; XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$570.00} ; XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$440.00} ; XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX Inquiry Date XX/XX/XXXX 2021
Complaint sub-issue: Was not notified of investigation status or results

***PLease don't ignore the attachment for supporting documents***** How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment remarks on my credit for last year 2019. I'm not quite sure what's happening with XXXX XXXX  or XXXX   XXXX  not responding, but as you can see on the attachment, i have approved for extension when i called back the last XXXX and honestly i can not be marked late on my credit report. I've already called them and the representative stated that might be an error that i should contact the credit reporting agencies. I been trying to reach both XXXX XXXX  and all the 3 credit bureaus for more than 90 days and i still haven't received any responses. 


I am not sure how this happened, but this is reporting in error and violation of the written contract and even some CRA is reporting incorrect, incomplete, unverifiable and inconsistent information. One is reporting the wrong date of last active, wrong date of last payment, each bureau are showing different payment status, etc. This is impossible if this was ever verified. Please correct and delete from my credit report.
Complaint sub-issue: Personal information incorrect

I have been having some issues with small errors on my credit report dealing with addresses that I never lived at showing up on my credit. I was a victim of fraud and I do not wish to have to deal with things showing up in m name again that I did not buy or lease. Please remove the following addresses : 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: Old information reappears or never goes away

XXXX XXXX XXXXs reporting a debt of {$470.00} owed for a credit card with a beginning balance of {$400.00}. The card was opened on XX/XX/XXXX. The Account was closed on XX/XX/XXXX. This debt is not valid and should no longer be appearing in my credit file. In accordance with the FCRA this file should have been removed from reporting as of XX/XX/XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Personal information incorrect

in accordance with the fair credit reporting act XXXX, Equifax, XXXX has violated my federally protected consumer rights to privacy and confindentially under 15 usc 1681 according to the 15 U.S.C 1681 section 602A I Have the right to privacy these adresses and names do not belond on my credit report XXXX : XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX ca XXXX equifax : XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX
Complaint sub-issue: Attempted to collect wrong amount

I previously opened a complaint with this company with your office. They stated in their response that the debt had never been deleted, and that they had a statement with the original creditor and balance. 

When they sent me the requested documentation, I found that the " statement '' was nothing more than some unidentified screenshot with no information. 

They also lied on their response saying that account ending in XXXX had never been deleted. Id had indeed been deleted previously, and I am submitting documentation.
Complaint sub-issue: Information belongs to someone else

I have been disputing for the correction of my Credit file for tha last 2 months now, and I am grateful for the Credit Bureaus actions as they decided to remove some of the fraudulent items from my Credit File. However, as I inspect my Credit Report, there are still some acccounts and information that should also be removed from my Credit File. I have read that under the Fair Credit Reporting Act section 605b, the Credit reporting Agencies are required to remove any accounts and information that resulted due to identity theft. Once again, I was a victim of identity theft and that the disputed accounts and information must be removed from my Credit file under the FCRA section 605b. Here is the list of accounts and information that should be removed as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX DEPT OF ED/XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DEPT OF ED/XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DEPT OF ED/XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DEPT OF ED/XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DEPT OF ED/XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX 'S XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. Also, if the Credit Bureaus claim that the disputed accounts and information belong to me, I require the Credit Bureaus to send me copies of proof of ownership or any documents bearing my signature to support their Claims. In the event that the Credit Bureaus find no signed documents, please remove the disputed items completely from my Credit file.
Complaint sub-issue: Company closed your account

In an attempt to improve my credit score, I am paying down and off all my credit cards. Discover is my oldest credit card with the largest available balance. I paid it off and haven't used it in about two years, but I had intended to keep it. WIthout a warning, I received an email from Discover on XX/XX/2019 saying my card was closed by them for lack of use. I called today XX/XX/2019 ( due to the holiday ) and spoke to XXXX at XXXX who said it is too late. I would have to reapply. I explained what I am trying to do and he said there was nothing he could do about it. I find this truly unfair as if they had warned me first, I would have used it. This is going to ding my credit score ... ..why is it that the people who attempt to improve their scores get punished? I am hoping you can help me to get that specific account reopened and I promise to use it if I must. Please advise.
Complaint sub-issue: Account information incorrect

XXXXXXXX XXXX XXXX XXXX gave me a credit card. On XX/XX/2022 the closing balance on the account was XXXX dollars and the balance on the card is still XXXX dollars. Yet on my credit report it is showing that I owe {$1400.00} on the credit card and that is false. 
The balance on the card is XXXX dollars and it should be reported as such. 
Kindly fix the account balance being reported on my credit report to XXXX dollars please on my XXXX XXXX XXXX XXXX Credit card please.