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

Concerning the mortgage loan account of XXXX and XXXX XXXX loan : XXXX For maybe over an year since our mortgage loan was Service transferred from XXXX XXXX to XXXX XXXX  XXXX, I have been going back and forth with XXXX XXXX about radical and ongoing changes that were going on with our credit bureau accounts on all four of the credit bureaus ( Equifax, XXXX, XXXX, XXXX ). Recently we discovered that the many ongoing changes were not the work or came from XXXX XXXX. And based on what we both ( Myself/XXXX XXXX ) had concluded, the changes were being done from the four credit bureaus that I previously listed. For instance, attached is a screenshot from our XXXX  XXXX XXXX mortgage account. That screenshot shows a very different account than what is at the other three bureaus. It also shows an entire credit history being removed with other changes. This was not done by XXXX XXXX. As well, the XXXX account is only showing the current payments. These are also radical differences between the other bureaus as well. And for the XXXX, the score does not change regardless of payments being made. This account seems to be LOCKED at a set score, and the same applies to Equifax, but has gone up 1 point. In correspondence with XXXX XXXX, they had indicated that they had submitted to the three credit bureaus to DELETE the accounts for both my wife and I ( see attached ). The attach document contain a section of our correspondence that I asked them to send me separately it is dated for XX/XX/XXXX. Im not surprised that the changes had not happened yet, because it turns out there are so many other request they have made over the year that were not changed. On the accounts there are statements or other things that were added to the accounts that were not there when it initially transferred over. Where XXXX XXXX had been requesting to have the account corrected to show Service Transferred it has been showing Transferred to another office that plus some other changes they have submitted request for update and that I should be able to see the update after 5 days. Being hard to believe, this is factual of what has been going on with our credit reporting, where its clear the score have been suppressed and some of the statements on the accounts have been changed. And for more 12 months and the many request to update, it has not happened. So hopefully that attached statement from XXXX XXXX can get the accounts removed is what XXXX XXXX felt would be a better solution for us since its been impossible to get the accounts restored to what they were originally and updated as requested. And for the more than 15 years of being with XXXX XXXX, unlike anything weve been going through since the Service Transfer of XX/XX/XXXX, we have never had a complaint with XXXX XXXX or have ever had a credit bureau issue.
Complaint sub-issue: Other problem getting your report or credit score

I can not access myequifax.com and there is no solution provided by them, when I have called them either the system is down or they are not able to provide any solution. I have tried all the solutions provided like using different devices, browsers and clearing cookies, but I have never been able to access my account. 
On top of this they do not provide any way to troubleshoot by email, just by phone.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2022 in report number XXXX I made a complaint to CFPB against Equifax showing proof from XXXX XXXX that they are not reporting any type of bankruptcy on my consumer report. I had recently challenged this matter with Equifax, and they came back to me as " verified '' through XXXX XXXX which is why I was filing the report against them in the first place through CFPB. However, upon doing so through CFPB this time, they have now come back stating that they " verified '' it through the courts on XX/XX/2022 in report number XXXX. I am one last time providing documentation from this time the COURTS showing that they DO NOT report this type of information to credit bureaus.
Complaint sub-issue: Account status incorrect

In XXXX I had run into financial difficulties. I contacted my lender and asked to change my payment date so that I had time to catch up. They agreed and sent me a confirmation and I paid off my loan. Now eight months after the fact they're trying to report me late for that month to the credit bureaus and taking zero responsibility for their actions. I want these people held accountable. This is unfair to 1. Report something falsely and 2. Report it 8 months after the fact especially since the account is paid off anyway. It's a slap in the face to people who are rebuilding their credit. This takes 3 years of good progress in building credit after a bankruptcy and throws it in the trash.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed XXXX XXXX several times for it reporting incorrectly on my Equifax report over the past few years. After several attempts with Equifax the item still remains listed and is incorrectly reporting. XXXX XXXX has been removed from XXXX and XXXX reports for over six months. I have tried reaching out to the XXXX XXXX and they have failed to respond concerning this account. Equifax has not been updated on the credit report as they suggest so they are able to continue to report inaccurately. I would like this account deleted immediately as I have tried to have it removed for the past few months with no avail.
Complaint sub-issue: Account status incorrect

My concerns with XXXX and their unfair credit reporting processes. 
I paid my account within 30 days ( XXXX and XX/XX/2019 ) and was reported late. 
The account was never late.
Complaint sub-issue: Was not notified of investigation status or results

I have requested that the credit reporting agency validate the following information more than 5 months ago with no response. 
XXXX XXXX XXXX I XX/XX/XXXX {$1000.00} XXXX XXXX XXXX I XX/XX/XXXX {$1100.00} XXXX XXXX XXXX I XX/XX/XXXX {$470.00} XXXX XXXX XXXX XX/XX/XXXX {$34.00}
Complaint sub-issue: Reporting company used your report improperly

I sent my letter off on XX/XX/2022 to " Investigate every piece of information '' on the accounts I have listed below. Also I have attached the CFPB complaint I sent out and here is the Tracking # XXXX According to the FRCA " The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified, but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts still not reporting 100 % Accurate. And According to the FRCA 15 USC 1681 Everything has to be 100 % Accurate. Also I have my credit report showing these inaccuracies. 

List of Accounts : Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX If you look at All my credit report from XXXX, XXXX, and Equifax The " XXXX XXXX XXXX is reporting Account type : Open on XXXX and Equifax but on XXXX it shows " Debt Buyer '' on there so how is this 100 % accurate? 

Look at " XXXX XXXX XXXX '' as another evidence of inaccuracies. It shows " Balance updated XX/XX/2022 '' on XXXX but On XXXX it shows " Balance updated XX/XX/2022 '' also " Terms 1 Month '' and " Past Due Balance {$2200.00} ''. Which is NOT REPORTED on my XXXX report. So How is this Verified? 

Also Look at XXXX XXXX XXXX More inaccuracies it shows On XXXX Account # XXXX, On XXXX Account # XXXX. THIS IS A BIG INNACURACY FROM MY PROOF AND EVIDENCE Shown this a Violation of my FRCA USC 1681 ( e ).
Complaint sub-issue: Trouble with how payments are being handled

I was told my loans are on the direct to discharge list for the public service student loan forgiveness program on XX/XX/XXXX. My final payment was XX/XX/XXXX. Many other people on the same discharge date and later have had their loans forgiven already. I am still waiting. I spoke to Mohela several times and they say they are still processing it but many people who have a later date have already received forgiveness. They are not processing the forgiveness in a fair manner. I have been working in public service for 19 years and have been waiting for a long time for this. This is a huge burden on me and very stressful and is damaging to my mental health. I just want my forgiveness processed fairly and in a timely manner
Complaint sub-issue: Account information incorrect

XXXX XXXX for XXXX XXXX XXXX XXXX, is reporting on both the XXXX  and the Equifax reports. I have requested from them to remove an inqury and they have sent me letters stating that they put in for it to be removed from my credit report because I did not authorize it. However, both XXXX  and Equifax still shows it. XXXX did remove it. Even though XXXX XXXX  XXXX XXXX XXXX XXXX XXXX has sent letters to the bureaus, and I have sent letters to the bureaus. They still refuse to remove the inquiry.
Complaint sub-issue: Information belongs to someone else

THESE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE HAD MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Reporting company used your report improperly

In accordance both the XXXX credit reporting at the list of accounts below has violated my federally protected consumers rights to privacy and confidentiality under 15 US C 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 section 602A. states : I have the right to privacy 15 USC 1681 section 604A. states : a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681 section C ( a ) ( 5 ) states : no, consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than the records of conviction of crimes with antedates the report by more than seven years 15 USC 1681s-2 ( A ) ( 1 ) a person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable calls to believe that the information is inaccurate.
Complaint sub-issue: Reporting company used your report improperly

I recently received a copy of my ( XXXX, Equifax or XXXX ) credit report, I noticed that some late payments posted to my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX Under 15 U.S.C. 1681b - permissible purpose of consumer reports, The Clearly States : In general.

Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I did not give written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions. -- Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 U.S.C. 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for noncompliance [ 15 U.S.C. 1681n ]
Complaint sub-issue: Information belongs to someone else

Hello, My name is XXXX XXXX Upon reviewing my lexis nexis report i found that there is a claim report on a vehicle from the previous owner before i purchased the same vehicle XXXX months after. 
XXXX file number is XXXX XXXX claim is XXXX Previous owner policy number/type is- XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX number of vehicle is XXXX My name is XXXX XXXX and Fiance name is XXXX XXXX we purchased this vehicle XX/XX/2021 and on our Lexis NexisXXXX XXXX report says that there is a claim from XX/XX/2021 on our report. 
Please for correction. 
Also there is a open claim from XXXX where it says that they paid XXXX $ to me and some insurance companies get confused that i have a claim still open. Please for correction so future misunderstanding is avoided.
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/XXXX, {$2800.00} was charged to my Citi credit card by XXXX GA. Although I was a XXXX customer, I was a customer in Illinois and this was not my normal monthly billing amount of approximately {$250.00}. I disputed this charge with Citi and it was removed. 

On XX/XX/XXXX, {$3200.00} was charged to my Citi credit card. Again this was the fraudulent XXXX GA charge, however Citi only temporarily reversed the charge and informed me that this was a " real '' XXXX bill. I believe that being a real XXXX customer gave them that conclusion. Although I have on two separate occasions supplied them with my billing history from XXXX showing this was not my account, they continue to insist that the activity is real. I have called countless times to discuss this with both Citi and XXXX over the following 14 months to follow up with any requests from Citi. I was told several times that " investigators '' were " looking into '' the dispute and that they have concluded it was a real charge. 

On XX/XX/XXXX, I was informed that the name on the XXXX bill provided to Citi to substantiate the charge was " XXXX XXXX '' ( spelling was not provided ) and the address was in Louisiana ( again my real billing/home address is XXXX ). It is worth noting that I have been asking for this information repeatedly and was promised it would be sent. It never was and only supplied to me over the phone this one time. After this revelation, Citi apologized for the issue and stated that the charge would be removed in 7-10 days. I followed up on XX/XX/XXXX and XX/XX/XXXX to inquire as to the status. 

During the XX/XX/XXXX call Citi to report this to the FTC which brought me here.
Complaint sub-issue: Was not notified of investigation status or results

I have been sending letters to the Credit Bureaus for months about items on my credit report that's not mine and they have been saying that they aren't receiving the letters. I know they have and when I call they say that the items are being verified, which I know that's not trust.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Dispute # : XXXX On XX/XX/XXXX I made an online purchase for {$1000.00} from XXXX - reclining sofa, and paid the purchase with my Citi credit card. The merchant made 2 delivery attempts. Both times I refused to take the sofa because it was damaged. After repairs third delivery attempt was not made. I was not able to make any arrangements to get refunded from the merchant. Then disputed with Citibank on XX/XX/XXXX. I received several letters from the bank to provide additional information and I replied to all of them, including pictures of the damages and copies of the delivery documents. Then Citibank closed the dispute in the merchant 's favor despite I dont have the item nor refund. I am very aggravated because Citibank is conducting their investigations careless and they are not protecting their customers. Contacted their executive management team but the answer was the same.
Complaint sub-issue: Information belongs to someone else

Iin this new complaint I invoke the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. On XX/XX/XXXX, I have submitted a claim but did not comply with all the requests. arranged several late payments but not in full. I am going to attach in this new claim the evidence where it shows that the monthly payments of the mortgage of my house with the XXXX XXXX  company have been made in the correct time. I also ask that my name in the information appear as XXXX XXXX, the address is XXXX XXXX XXXX XXXX, Florida XXXX, telephone XXXX and as a profession or occupation XXXX  XXXX because it is the degree I did at the university and I work on my own. Finally, I want the free annual report that by law corresponds to me. I am attaching the confirmation of the payments that I made to the XXXX XXXX company from XX/XX/XXXX to XXXX that appear as late payments, also the agreement to be from the month of XX/XX/XXXX and continuing in the forbearance program that reduces monthly payments. The payment for the month of XX/XX/XXXX appears with the month of XX/XX/XXXX because they did not remove the payment from my account as they did every month.
Complaint sub-issue: Debt is not yours

I received correspondence from R A Rogers stating I owed a balance to them. I have sent a letter to XXXX XXXX XXXX XXXX a request for validation as well as a contract of a signed contract with them and they have not provided either. Then I was threatened by someone whom identified themselves as a lawyer of a lawsuit. I have not entered into any contractual obligation with them so how can they report a date opened, date closed, account number, date of status, as well as status.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am a XXXX and a dental supply company XXXX sells dental implants. I was about to do a contract with the rep when I changed my mind and told him not to move forward. 
His manger then ran my credit and did a hard pull, I did not authorize this pull and this should not be on my credit. This company illegally used my information against my wishes. 
I spoke to the company and they offered little recourse but a sorry. 
Thank you Any questions please reach out to me via email or phone. 
XXXX XXXX
Complaint sub-issue: Information belongs to someone else

There are 5 accounts on my credit report that do not belong to me they are not mine they have not been signed authorized or used by me!!! 
I need these accounts off my credit ASAP!!! 

Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account
Complaint sub-issue: Problem with rewards from credit card

On XX/XX/XXXX I applied for my first Citi card in the branch of XXXX, CA XXXX. A Citi ThankYou Premier Credit Card, which would land me XXXX ThankYou points for {$4000.00} in spending over 3 months. At the time when I applied, I shared the concerns with the banker ( female, XXXX ) that spending {$4000.00} in 3 months may be a fickle given the outbreak of COVID, she then said : Citi is likely to offer certain benefits to minimize the issues. 
Then my first contact to Citi Customer serivce 1 month prior the offer ends ( end of XXXX ), Agent confirmed the customer whove applied for a new credit card between XX/XX/XXXX through XX/XX/XXXX can receive three more months to earn the welcome bonus. 

I then escalated to supervisor just for sure. After supervisor had also confirmed the offer for an extension of three more months ( The expiration date will be updated to XXXX. ) I have no issues checking the status of spending untill XXXX XXXX when a citi agent said she couldn't find any extension attached to the credit card, thus the promotion is expired! 

The second contact with Citi again on XXXX XXXX and explain the situtations with a customer service agent, she then apologized for the misinformation after she checked with other departments, claimed : no such offer was given. 

A supervisor was being involved, she then confirmed an extension request was made back in XXXX and it is still valid. ( which was a mindblowing experience ), I was able to have her name : XXXX, and her position : Account supervisor, to be sure. 

The third contact with Citi on XXXX, I talked to a supervisor just to confirm the extension, she confused and said nothing was showing on her side ( Rising the discrepancy of the policy ), she can only offer XXXX reward points as an apology for the mis-information. 

Moreover, it is ridiculous for such time-consuming conversations, since they have voice-recording policy everytime when I speak to a supervisor, which just an undeniable fact that they ignore the fact intentionally and cause a painful experience to customers. 

Overall, I have been given the wrong information over and over again, yet Citi can't even communicated well on this, I've found XXXX reported the extension policy in XXXX ( https : //www.cnbc.com/select/coronavirus-credit-card-sign-up-bonus-extensions/ ), which Citi is included, I also collected evidences from my friends and myself showing they have made such statement. Please refer to the documents attached.
Complaint sub-issue: Debt is not mine

Dear sir/madamI have disputed this debt from ESCALLATE for so many time now but ESCALLATE stated that they were told to continue collecting the false debt from me without providing any proof of documentation to show that I own this debt. Account number XXXX I copied this account number from my XXXX credit report.. 
I do n't own any MEDICAL BILL to ESCALLATE LLC or any of it 's affiliates or so called original creditor. I am requesting a further investigation to this matter and also ESCALLATE LLC have to provide proof of documentation concerning the debt. example the document or documents I submitted when I seek for the care from the Original creditor. 

I BELIEVED THEY GOT MY ADDRESS FROM THE DESPUTE I SUBMITTED