Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Deposits and withdrawals

On XX/XX/22 I noticed my credit debit card was declining so then I attempted to log on to my citi bank app and their webpage neither of it was letting me log in with my correct information I went in person to the bank and they told me that my account is closing but gave me no reason for the accounts closing my checking account has almost {$400.00} in it and my savings account has {$10000.00}! They are refusing to give me my funds and they are not giving me a reason for my account to be forcefully closing out of no where I feel like citi bank is scamming me out of my hard earned money this is causing me a hardship that I have no access to my funds they wrongfully are closing my account and telling me no reasonings for it!

When I call and get in contact with fraud department specialist team all they tell me is that it could take 30 to 60 days to receive a letter in the mail and even then I wont have my money!
Complaint sub-issue: Reporting company used your report improperly

The collection listed on my reports is totally incorrect. I signed up for a 90 day membership and only received 30 days of service, yet I'm being charged for the entire 90 days which is deceptive and not lawful. When I refused to pay, the company owner got angry and purposfully opened a collection against me even after I gave multiple attempts to come to a civil agreement which were all ignored. That being said, In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Complaint sub-issue: Their investigation did not fix an error on your report

I have been sending out letters out since XX/XX/XXXX. The last letter was sent out on XX/XX/XXXX. I have either not had a response or they tell me they have investigated my issue with the company and then states that it meets FCRA regulations. In my letters I state that a company was reporting inaccurate information on my credit report. It reports different account numbers, date last active, date opened, and also reports past due on accounts that it should not. From my understanding if one company is reporting to the bureaus it should have the sent the same information on all three bureaus. The only thing that was changed was a re aged or update on my account and I was ignored. This situation is hurting my credit score.
Complaint sub-issue: Their investigation did not fix an error on your report

In spite of my requesting an investigation into this account there are still multiple inaccuracies reporting on my account and it's keeping me from obtaining a mortgage as per my mortgage lenders investigation in to my credit worthiness. I wont be approved due to this inaccurate information on my credit report. Why won't you investigate and save me from this pain???? XXXX XXXX  XXXX  Equifax Acct # XXXX XXXX Date Last Active : Incorrect Date of Last Payment : Incorrect The name of the creditor is truncated and makes absolutely no sense. The account number is truncated so, I have no idea what the account number really is. The date of first delinquency is incorrect The payment history is extremely incorrect There was no notice of previous dispute There are so many things reporting incorrectly that there is no way that you could have done an investigation.
Complaint sub-issue: Other problem getting your report or credit score

I do not have a credit score and report with Equifax and am unable to even create an account to even submit a dispute about it. I have called the support center multiple times and they tell me to mail documents that prove my identity. Each time I send the documents, I receive a response saying that either I did not send enough documents to prove my identity or that they could not find any credit history on me. 

There have been no issues getting credit scores and reports from XX/XX/XXXX and XX/XX/XXXX. When my last name changed, there were no issues updating my social security and passport. Thus, I know that I have the correct identification and I do have a credit history.
Complaint sub-issue: Not given enough info to verify debt

Years ago when they first harassed me about this issue I asked them to send me the application form where I signed that I understood that I would be charged extra for any pet damages since I had already paid additional every month to have my pet ( that would have been covered for damages ) Also, I wanted photos of the damages because the property manager had told me no one would be available for a walk through with me when I left the apartment so this whole thing seems like a scam to me to get money. They never contacted me again after I requested this information.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2020, US BANK add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX/XXXX XXXX I add a hard inquiries on my credit reports per XXXX, XXXX ( The report does not include information about the creditor. ) and XXXX. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Complaint sub-issue: Information belongs to someone else

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Please delete the following fraudulent accounts and inquiries from my credit reports. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The following inquiries are fraudulent Equifax Mortage Service XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Every time I dispute this information it keeps coming back verified and I am requesting you provide me with your Metro 2 Five Points of Compliance and provide me a signed document with my signature for all of these accounts and address where the supposed accounts are from. I will be filing a lawsuit and hiring a lawyer If you do not delete these accounts off all of my credit reports.
Complaint sub-issue: Debt was paid

On XXXX XXXX, 2015 I called spoke with XXXX XXXX of United Recovery Systems and agreed to pay the full settlement amount of {$620.00} which would close out the account completely. On XXXX XXXX, 2015 I called and spoke to XXXX XXXX on why the account is not closed and she explained to me that there is a remaining balance of {$400.00} due on the account.
Complaint sub-issue: Account status incorrect

In retaliation againt me for filing a complaint with the CFPB, XXXX XXXX XXXX has refused to report my account status to the credit bureaus for more than 60 days. My account is current, it always has been current. Supporting documents are attached.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I received a copy of my credit report & noticed some hard inquires i don't recognize I have filed a complain once and noticed that these did not get deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX 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: Their investigation did not fix an error on your report

Equifax is incorrectly reporting me as an Authorized User on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureau to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

Ive repeatedly requested to have them to stop reporting any past due of {$59000.00} on a XXXX XXXX Account on my credit report. I continuously send information to them showing that the account was closed XXXX 2012. I do not have a past due balance, this is not a FHA Real Estate Loan, Im not in foreclosure. Every time I dispute the information, its taken off my credit report, then put back on a few months later. I have submitted a statement. The another credit reporting agency ( XXXX XXXX ) that pulls credit reports on behalf of FEMA submitted the information to Equifax and they refused change it .Im submitting the e-mail, copy of credit report, Letter from FEMA regarding credit report and Denial of employment regarding credit report Please block XXXX XXXX from reporting on this account. By the credit reporting agency allowing this to occur, I was denied employment from FEMA based on the derogatory information on my credit report. Im enclosing the supporting documentation.
Complaint sub-issue: Information belongs to someone else

Cbna ( XXXX XXXX ) pulled hard inquiry on XX/XX/XXXX and XX/XX/XXXX  on my credit report .I received a rejection letter I immediately called them and stated I had not applied for credit card with their company .They told me it would be deleted but XXXX is still showing their hard inquiry. XXXX  no doesn't show these inquiries.Do n't know the extinct that these hard inquiries hurt my credit score but am sure it's not helping them.
Complaint sub-issue: Trouble using the card to spend money in a store or online

They said that it was for my protection when I called and claim. I am in the process of moving from XXXX and I am seeking for an apartment. I lost my bank card in XXXX and I requested a new card and after I received it, I lost it again. Therefore, I request another one and when I went to use it then it was blocked. I asked if I can get it activated so they requested the id picture that I already faxed to them and so did a case manager and yet they gave me a hard time getting my XXXX card from XXXX XXXX. They keep telling me that they have not received what case manager claims to fax and what I have email confirmation of sending. I need to use my telephone and have no service due to the matter and other inconvenience.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I'M HAVING ALL KINDS OF PROBLEMS GETTING THE CREDIT BUREAUS TO CORRECT ERRORS REPORTING ON MY CREDIT REPORT.
Complaint sub-issue: Account information incorrect

XXXX student loans and XXXX XXXX student loans were paid on time and ahead of time as well. Equifax reporting is inaccurate and must be changed to reflect perfect payment record. XXXX had negative report that is inaccurate, XXXX negative report must be removed.
Complaint sub-issue: Reporting company used your report improperly

This company is in clear violation of the law. Pursuant 15 USC1681B
Complaint sub-issue: Threatened or suggested your credit would be damaged

Various attempts to clarify that there is no debt where made. The company stated and wrote various communications regarding this matter. The last one was made on XX/XX/2020 ; on this communication they where demanding full payment, while on the initial communication they stated they where not a collection agency.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/XXXX I sent a letter with respect to off base and obscure things on my credit report right up 'til the present time more than 60 days after the fact I have not gotten a reaction at this point. I feel like I am being exploited and being disregarded of my debates. Area 611(a), it is clearly expressed that an inability to explore these things inside 30 days gives motivation to quickly eliminate those things from my credit report it has been more than 60 days so they ought to be erased expeditiously. I request these records be erased promptly or I will petition for prosecution because of the pressure you caused me. My data was additionally affected by the Equifax break and may have under the control of some unacceptable individual. Attached also is a copy of the FCRA and FDCPA with highlighted violations, proof that I was a victim of the Equifax Data Breach, Police Report, Copy of my credit burea report showing that Equifax and XXXX  has already reconized that XXXX XXXX XXXX account is not my account and have already removed it. According to the FDCPA  807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section: A person's credit report is suppose to match across the board a copy of my credit reports and the FDCPA book have been attached as evidence of this violation. 

Last but no least there is also a copy of my FTC REPORT and Police Report . 

Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the equfax data breach/ identity theft all is being investigated by the FTC according to the FCRA 605B this information must be blocked immediately until the investigation is over.
Complaint sub-issue: Account information incorrect

On Thursday XX/XX/2020 I tried to submit updated disputes for the two collection accounts that are reporting incorrectly on my credit reports with XXXX, XXXX, and XXXX.I was denied because XXXX  ( the burea I disputed through ) stated that they are not required to validate duplicate disputes. The original dispute however, was never validated, and I never received any correspondence by mail. 

I have also reached out to the individual creditors Discover and XXXX XXXX pleading for verification of the account, or the reported balances, and neither companies have responded as of yet. 

I sent copies of a formal dispute letter, my social security card, and my new and old drivers licenses. The companies have yet to verify with me that the balances reported are accurate. 

Until they can prove that the balances have been reported to the individual credit bureaus correctly, I am requesting that these collection accounts, their incorrect balances, and their derogatory remarks be removed from my credit report while this is being investigated. This is in accordance with the 30 day guideline that states the credit bureau ( s )  have 30 days to look into your dispute, based on the information you provide to it.
Complaint sub-issue: Their investigation did not fix an error on your report

I have attempted numerous times and have disputed information pertaining to my equifax and XXXX credit reports. I have requested that the above credit reporting agencies provide proof on how certain accounts are verified and validated. To this date they have not provided information on how it was that they verified accounts that i have disputed. I have disputed at least 4 times in XXXX and have allowed the 30-45 days for the above credit reporting agency to properly investigate, verify and validate the accounts with proof. i have specifically disputed with the collection agencies as well and up to this day they are not able to validate or verify the accounts that they are reporting to belong to me. So i dont see how it is that the above credit reporting agency has validated and verified that the account or accounts belong to. The items have appeared on my credit report due to negligence on behalf of the credit reporting agency have ruined my credit report and reputation. i have struggled to obtain fair and competitive interest rates due to the misinformation on my credit report.
Complaint sub-issue: Debt is not yours

I had two charges from woman within online clothing. One for {$39.00} and the other for {$39.00}. The woman within store is now called full beauty.. When the money was taken out of my XXXX XXXX account I called woman with band and ask them to give me a list of my purchases, these two purchases were taken off of my XXXX credit card on XX/XX/2020. The representative advised that the last purchase that I had made was XX/XX/XXXX and it was for a different dollar amount from the charges that were debited from my account. After speaking with the woman with the other representative Ive been called XXXX XXXX and did a dispute with you they were gracious enough to refund my money. Today, XX/XX/2020 I received a email from XXXX saying that I owe {$79.00}. I called to explain what happened and that I did not making purchases, I asked the collections representative to please tell me where the merchandise went and she just repeated it at all the money and would not give me the address. I am now live with receiving emails from a collection agency that will not give me any information demanding money. If they were indeed my debts I would pay them but they are not mine. My XXXX ID is XXXX agency XXXX XXXX XXXX, XXXX, PA XXXX Phone XXXX
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XX/XX/1973 Last 4 SS # XXXX XXXX, XXXX, Equifax These ( 3 ) credit Breaus are reporting inaccurate information on my Credit Report I've disputed these accounts several times with no Removal off my Credit Report. 
1.XXXX ( Fraudulent ) 2.XXXX ( Fraudulent ) 3.XXXX  ( Fraudulent ) 4.XXXX  ( error paid ) 5XXXX XXXX  ( Fraudulent ) 6XXXX XXXX XXXX ( Fraudulent ) 7.XXXX  XXXX ( Fraudulent ) 8XXXXXXXX XXXX XXXX XXXX ( Fraudulent ) 9XXXX XXXX XXXX  ( Fraudulent ) 10XXXXXXXX XXXX XXXXXXXX ( Fraudulent ) 11XXXX XXXX XXXX Fraudulent ) 12.XXXX  ( Fraudulent ) 13.XXXX ( Fraudulent )
Complaint sub-issue: Account status incorrect

macy 's credit card {$3.00} that was paid XX/XX/20, .not sure but wasn't late ... and shouldn't be on my credit report.
Complaint sub-issue: Fee problem

Citibank had a special, bring over certain increments of money and receive a bonus. I opened an account and brought over {$50000.00} and was to receive {$700.00} after 90 days. I did my part and never received my {$700.00}. The money was due no later than XX/XX/XXXX according to the rep I spoke with. I started a phone investigation with them and I went into the XXXX XXXX Citibank branch and the branch manager started an investigation as well. Both the manager and the phone rep assured me we had opened the proper account and deposited $ XXXX in a timely manner and I should receive the money. I still do not have the {$700.00}. I have since taken out the $ XXXX ( that was in XXXX ) because I don't want to bank with them and left about {$27.00} in the account just to keep it open until I get this resolved. I have called several times to get to the bottom of this only to be disconnected after XXXX minutes.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XXXX XXXX I recently obtain a copy of my credit report and found many errors reporting on all three credit bureaus, including hard Inquiries that was Unauthorized. On XXXX XXXX I sent a Certified letter to all credit bureaus, Equifax XXXX XXXX being two out of the three regarding unauthorized inquiries reporting. I XXXX XXXX waited 2 weeks for a response. I contacted Equifax XXXX XXXX via phone on XXXX XXXX and stated this matter, Equifax Representative stated that I have to call the lenders one by one and state that these Inquiries are reporting also they don't have Access to disputing Inquiries over the phone, I have to dispute online. XXXX Representative Stated I need a police report.I XXXX XXXX Disputed the inquiries online with Equifax on XX/XX/2022. Equifax stated it would take XXXX XXXX to complete the Investigation. On XXXX XXXX I gotten a emailed from Equifax stating my Investigation was complete and it stated The hard inquiries was verified.Their method of verification was not Thorough as stated in the letter ( pdf ).
Complaint sub-issue: Account status incorrect

I reviewed my credit report and noticed an error on XXXX. A collection agency called AFNI is reporting that I owe {$1400.00} AFNI XXXX XXXX XXXX XXXX Original Creditor Amount Owed : {$1400.00} I contacted AFNI and was told that they do not own this account or have the account in their office. They said they have no knowledge of this.. I asked them to remove it from my report. They stated they would not.
I am writing to request that AFNI be removed as they do not have an account for me.
Complaint sub-issue: Information is not mine

The following information is in my credit report file. This account was not in my name nor opened by me. 
Item : XXXX Bank XXXX XXXX XXXX. XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX Account No. XXXX