Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem during payment process

Credit Card Issuer, Citibank, on a VISA  / Coscto Credit Card, ( hereinafter, " Citibank Visa, '' ) utilizes deceptive, false and misleading information in their billing statements because Citibank VISA plainly and unambiguously states in their printed section, " When Your Payment Will be Credited '' that accompanies the cardholder 's monthly billing statement that " If we receive your payment in proper from ( * ) at our processing facility by XXXX local time there, it will be credited as of that day. '' However, in this instant case, Citibank Visa placed a ( XXXX ) day hold on the payment and " credit '' was not provided to the cardholder despite the written statement that payment would be " credited as of that day. '' Subsequent investigation and disclosure by several Citibank Visa supervisors " XXXX '' and " XXXX '' revealed that Citibank 's use of the word " credit '' did not mean that the funds were available to the cardholder and that Citibank reserved the right, in their discretion, to place up to ( 14 ) day hold on any payment it received. Citibank further argued that the Citibank Visa Credit Card Agreement Terms and Conditions states that such ( 14 ) day holds are disclosed to the cardholder. The essence of this complaint is that even if Citibank Visa reserves the right to place ( 14 ) day holds on payments received by the Cardholder, such ( 14 ) day hold should be fully disclosed in the Citibank monthly billing statement and Citibank 's current language indicating that the cardholder 's payment " will be credited as of that day, '' should be deleted as indicating the the payment " will be credited as of that day '' is false, misleading and deceptive to the cardholder.

As a cardholder, I discussed this complaint with Citibank Visa on ( 3 ) separate occasions with ( 5 ) different Citibank employees : ( " XXXX, '' XXXX, '' " XXXX, '' " XXXX, '' and " XXXX, '' including at least ( 2 ) supervisors ). Each Citibank Visa employee indicated that when Citibank Visa states that it has issued the cardholder a " credit, '' for payment received, such credit is conditional subject to Citibank Visa policies which are clearly not disclosed to the cardholder in the cardholder 's monthly statement ; furthermore, the failure by Citibank Visa to disclose that such " credit '' is actually conditional is false, deceptive and misleading to the cardholder.

Note : ( * ) Proper form is defined as the payment not being made in cash, properly addressed and such payment references the account number and other information.
Complaint sub-issue: Account information incorrect

ATTENTION : XXXX  DISPUTE DEPARTMENT To Whom It May Concern : I am writing to inform you that you are continuing reporting inaccurate information in my credit file. While I believe, I can document significant noncompliance by your bureau, it is my hope that this matter will not progress to the point of litigation or administrative action. Specifically, in my letter I indicated that I dispute the following information reflected in my credit report : XXXX   XXXX XXXX : XXXX The payment status is incorrect, please delete.
Complaint sub-issue: Their investigation did not fix an error on your report

I have reported discrepancies with the credit bureau Equifax over four times, for over an year. Equifax continues to report the information has been verified. One account in particular that I have been asking to be removed is an account listed as XXXX XXXX XXXX. I have reported this account in at least four disputes. Equifax sent the following Dispute Confirmation Numbers, on the following dates : XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX. 
Equifax continues to tell me this account is verified. I asked for " Method of Verification '', Equifax will not respond or provide documentation. I called the Creditors, XXXX XXXX XXXX. I was told by XXXX XXXX XXXX  that they had no documentation on me of the account that is listed on my credit report, due to it being transferred to a collection. If XXXX XXXX XXXX  can not verify their account to me, the person they claim was the account holder, how does Equifax continue to verify the account and allow it to remain on my credit report. 

I have also been disputing the account " XXXX XXXX ''. Equifax continues to state this account is verified as well. I got in contact with the company " XXXX XXXX '' company as well. " XXXX XXXX '' provided a letter that they could not provide with documentation or proof of this account, but sent a payment history. A payment history is not proof of an account or a contract. If XXXX XXXX can not provide documentation, again, to the person they are claiming owns an account, how is Equifax verifying this account.
Complaint sub-issue: Information belongs to someone else

This is my sixth letter submitted to you informing you that I am a victim of identity theft and I complain to question this items in my file occurred because of some negligence. The data I am questioning connect with no exchanges receiving any possession of goods, services, or money that I have made or approved. Assuming no one cares either way, impede the noteworthy of any information in my credit file that surfaced due to alleged fraud : XXXX XXXXXXXX Balance : {$7500.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XX/XX/2020 ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Threatened or suggested your credit would be damaged

A Dentist made an appliance for my XXXX XXXX. He put it in my mouth and I said no this is horrible, I don't want it and gave it back to him. He contracted a debt collection company and they have put the collection on my credit bureau reports, trying to make me pay the fraudulent bill of {$2500.00} The Collection company is I C System Inc.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Minnesota XXXX Phone : XXXX
Complaint sub-issue: Information belongs to someone else

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Account left that need to be removed or Block. Per FCRA section 605 you are required to remove any account listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. 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. 
Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to XXXX or any means of automated verification. XXXX CARD XXXX
Complaint sub-issue: Information belongs to someone else

Accounts XXXX XXXX XXXX  and XXXX XXXX do not belong to me these accounts are fraud and are harming my credit report, score and character.
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below XXXX XX/XX/2021 XXXX XXXXXX/XX/2021
Complaint sub-issue: Their investigation did not fix an error on your report

I have been through the process of buying a home for the past 3 months since XX/XX/XXXX. My lender had me call equifax in XX/XX/2019 and dispute an item that didnt belong to me. Well I did and some guy there disputed everything on my credit instead of just the 1 item which was a medical bill. Ive been trying to correct his mistake for the past 3 months. Everytime I think theyre about to fix something theyve messed something else up. My credit has been punished by their mistakes and Im suffering for this. I have kids and a fianc depending on me. My credit is being ruined by this company!!! Im scared they have put my family and I in a position that could ruin our lives!
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I got a response from XXXX for my complaint with CFPB XXXX about my total loss claim on my XXXX XXXX XXXX XXXX in the complaint XXXX agreed to omit the days pass do because of my Insurance company had not sent them the last XXXX but, XXXX did get pretty much 99 % of the payment. This was not my fault, as that last payment was supposed to go to me for registration that I paid on the car, but instead, it was somehow added to the payment to the lien holder. I thought after the complaint XXXX and, I came to a resolution they would omit the days pass due to 0 30 days late 0 60 days late 0 90 late. They even sent me a letter while the CFPB complaint was still open saying that is what they were going to do, and they also responded to CFPB complaint and, the complaint with XXXX stating that is what they were going to do upon both complaints being closed they waited to tell XX/XX/XXXX and, sent me another letter stating they where changing it to 91 days late. even though they got payments in XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and, XX/XX/XXXX. This is insane how this company can lie to both me CFPB AND, XXXX and get away with this. I also sent a certified letter out requesting proof of contract, and all payments, and checks that were made because I never got reimbursed for my warranty, no response other then the letter stating they were changing the late dates from 0 to 91 days although the account was never 91 days past due.
Complaint sub-issue: Trouble closing card

Hi my name is XXXX XXXX, Someone filed an unemployment claim under my identity with the Ohio Unemployment Department. I am an Oregon resident and have been my whole life. I have never been on unemployment before. This is fraud. I even called one of the numbers on the pamphlet and the card isnt even associated with my telephone number. I made a change so it is now to : XXXX. 

Please someone contact me regarding this. You can call or email me : XXXX or XXXX XXXX
Complaint sub-issue: Account information incorrect

XXXX loanwith Uplift has been paid in full as agreed since XX/XX/2022. Uplift hasn't reported to the credit bureaus since then and it still shows a balance on my credit report. I have disputed with the bureaus amd it remains and have contact Uplift directly with no resolution. 

A XXXX  loan with Uplift hasn't been reported on since XXXX and the balance is incorrect by over {$1000.00} USD
Complaint sub-issue: Debt is not yours

On XXXX, XXXX 2022, Solverity XXXX add a derogatory mark on my credit report per XXXX and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA ACCOUNTS XXXX has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Complaint sub-issue: Problem with fees

1. In XX/XX/XXXX, I had a balance of {$140.00} on my XXXX XXXX Store credit card. However, I did not receive this billing statement because I went home to the XXXX in XX/XX/XXXX. I instructed my niece to pay the balance but she was not able to do so because when she called XXXX XXXX, she did not get the balance to be paid due to their claim of confidentiality. 
2. When I returned in XX/XX/XXXX, my balance had ballooned to {$330.00} due to late payment charges and interests. I complained to XXXX XXXX XXXXat it was too much because it was not my fault that the balance was not paid. 
I was told to pay only {$230.00} and that should settle the matter. 
3. I received another billing statement for the balance of {$100.00} which was the balance of {$330.00} minus the {$230.00} that I paid. I did not pay it because of the former agreement that {$230.00} settled the matter. 
4. The amount of {$100.00} has ballooned again to {$290.00} by XX/XX/XXXX. 
and the account has been referred to collection agencies which has affected my credit history and I can not obtain any other credit card due to this matter. 
5. I sent the complaint regarding this matter to XXXX XXXX CEO, XXXX XXXX who referred the matter to XXXX XXXX of XXXX XXXX Executive Office in XXXX, Arizona who rejected my payment of {$230.00}, insisting on collecting payment for late payment fees and interest. XXXX 's tel. number : XXXX XXXX, Extension XXXX 6. I believe it is harassment and inequitable in continuing to charge late payment fees and interest on late payment fees and interest when the original amount of the credit card charge of {$140.00} which was already paid for by my {$230.00} payment. 
7. I am XXXX-year old widow with only a Social Security monthly income of {$790.00}. I am not in a financial position to pay this additional unjust charges/
Complaint sub-issue: Information belongs to someone else

Theres a fraudulent account named : XXXX XXXX showing on my credit report and its affecting me to buy a home
Complaint sub-issue: Reporting company used your report improperly

Equifax failed to protect some of my most personal/sensitive information with their recent mass-leakage. A company like this should be held to the highest of standards when it comes to data security. This type of leakage is just plain unacceptable -- it should *never* happen with a company like this. Now, I will have to commit hours of my own personal time to mitigate my own risk and I definitely lose sleep over this.
Complaint sub-issue: Personal information incorrect

My complaint is again Equifax Credit Bureau. I am complaining regarding two outstanding issues : 1. The bureau continues to reinsert addresses that do n't belong to me. I NEVER lived at XXXX XXXX XXXX in XXXX IL. I have no accounts related to this address. This address is to an apartment complex - XXXX XXXX, which I called and verified no XXXX XXXX EVER lived there. I have disputed the address, it was removed, Equifax continues to put it back. I have sent copies of all my identification as well as my leases for the last seven years. My current address is XXXX XXXX XXXX XXXX, XXXX XXXX IL. Six years prior my address was XXXX XXXX XXXX, XXXX XXXX, IL. Please correct this. 2. Equifax continues to report an account - XXXX XXXX - that was supposed to be removed as per the creditor. The account also lists multiple inaccuracies and errors. After reporting the account as an open collection for several months, Equifax has now updated the account to closed and paid. However the dates of EVERYTHING are incorrect. The credit bureau refuses to demand copies of the instruments and documents from the creditor which will prove this account was paid back in XXXX of 2017 and the creditor agreed to remove it from the profile. I REQUEST Equifax to please request and provide all documents received from the creditor relative to this account. I have contacted the creditor individually, and they insist they are not reporting this account negatively.
Complaint sub-issue: Information belongs to someone else

I was applying for a car loan today XX/XX/2020 and I was not approved because to my surprise, there are accounts in negative standing appearing on my credit report. I looked through each accounts and I found a few that are not mine. I listed all of the accounts that are not mine on this report. I did not allow anyone to open those accounts in my name ; I do not have a written/verbal contract with any of those companies nor did I benefit anything from those accounts such as money, goods, services or any other benefit. I never made any purchases or payments towards these accounts. I have filed a police report as well as a complaint with the consumer financial protection bureau regarding these suspicious accounts.
Complaint sub-issue: Information belongs to someone else

I am writing to dispute the accounts referenced above. I have been a victim of identity theft, accounts that I didn't open has been posted in my credit report, I haven contacted the creditors myself and have been unable to get them to verify that this is indeed my debt. I have asked them to validate these accounts. This accounts are not mine and I was given no evidence of them been mine, I urge you to remove these items.
Complaint sub-issue: Their investigation did not fix an error on your report

About six months ago, my credit rating experienced a sharp drop even though I had made no purchases, opened no new accounts, or taken any other applicable action for many months prior to that unexpected and unjustified reduction. 
I contacted each of the three major credit companies and received a response from only Equifax. But their response did not address my question at all ; they merely sent me a copy of my credit file ( many many pages of past accounts ). My review confirmed that there was no obvious justification for a reduction I went back to Equifax three times since then, explaining that I didn't want anything more than an explanation of why my credit rating had been reduced ; but all I received each time was a two-page letter that said the results of their Reinvestigation was : " Please be specific with your concerns by listing the account names, numbers, and the nature of the dispute '' all of which, each time, completely unresponsive to my request. 
It seems absolutely ridiculous that the formulation of a credit rating should be based on such obscure criteria that the public can never figure out why a reduction or increase has taken place. I believe it is critical that whenever a change is made to a person 's credit rating, the credit bureau should be required to notify the person affected exactly why the change took place - especially these days when so much of what happens in a person 's life depends on his or her credit rating. The current system is almost as bad as if a doctor refused to tell a patient what exactly made him sick, even though the doctor knows full well exactly what the cause was ( How can a patient possibly avoid the same problem unless made aware of what caused the sickness? ). 
In any event, I would definitely like a simple answer to my very simple question : What caused the reduction in my credit rating??? Thank you
Complaint sub-issue: Personal information incorrect

I have sent letters via fax as well as certified mail and personally called Equifax to remove incorrect addresses and employers, however, they refuse to.
Complaint sub-issue: Information belongs to someone else

XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , PA  XXXX  ;  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX .   XXXX    XXXX   XXXX , TX  XXXX  ; EQUIFAX  XXXX   XXXX   XXXX   XXXX , GA  XXXX  have been reporting erroneous information on my credit report since   XXXX  . I have asked them to remove the information and they have found ways to collude with  XXXX   XXXX   XXXX    XXXX   to keep the mortgage information on my credit report.   They just recently acknowledged receipt of letters  (  responses attached ) from property requesting information be corrected. We have even provided copies of the notorized QUIT CLAIM DEED to  XXXX ,  XXXX  and EQUIFAX in   XXXX  , yet they turned a  blind e ye and willfully violated the Fair Credit Reporting Act ( FCRA ), Service members ' Relief Act ( SCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).  XXXX   XXXX   XXXX  was also informed of this matter and chose also to violate the FCRA, SCRA and FDCPA. Both I and my wife have written countless letters to remedy this with the credit bureaus to no avail. They have caused us economic and emotional duress as a result of their violation of the cited above. We hereby ask that the mortgage pertaining to property at  XXXX   XXXX   XXXX   XXXX   XXXX  TX  XXXX  be deleted from our credit files IMMEDIATELY.
Complaint sub-issue: Loan balance remaining after the vehicle is repossessed and sold

I defaulted on my Auto Loan with Veros Credit. they repossessed my Vehicle on XXXX I called to gt location and amount needed to get vehicle back. I was told that the vehicle was in route to the auction so there was no location on file for me to retrieve my personal property or to pick up vehicle. The agent said they were unable to tell me how much is owed to get vehicle back. I had 2 agents hang up on me, finally spoke to a manager and I was told i need to pay the entire amount of loan which was close to XXXX. On XX/XX/XXXX I received a phone call from a rep at Veros Credit who said I only need to pay {$3000.00} to take ownership of the vehicle and that would allow me to keep my current loan and reduce my payments to {$350.00}. XXXX I made the payment for {$3000.00} on XX/XX/XXXX XXXX the following day I got a call from the Same woman at Veros Credit XXXX She informed me that my Vehicle was SOLD the day before at Auction. The funds were returned to me. I only got 1 notice in writing regarding the sale and repossession of my Vehicle and that document DID NOT include the address for me to pick up my personal property either. If I had this option in a timely manner I would have been able to secure my personal property out of my vehicle and get my vehicle back. This information was never disclosed to me. The entire process was extremely deceptive. I was mislead, lied to and taken advantage of.
Complaint sub-issue: Debt was paid

The debt for internet service that was settled and paid over 6 months ago is still listed on my credit report as a collection account.
Complaint sub-issue: Can't decrease my monthly payments

They flat out refused to work with me to lower my payment because my uncle who was living with my grandmother had a high disposable income due to not having many bills. I started at my job making {$10.00} a hour they expected me to make a monthly payment of over {$1000.00} a month. I could not keep up with the payments and fell behind. This caused a great deal of stress on my uncle who made the payments and has tracked how much money I owe him. This {$1000.00} dollar payment is on top of my federal loan payment and rent, car insurance and other bills. My grandmother was then XXXX. I was basically ostracized from my family due to falling behind on my student loans. I have been making the full payment on my loans and living on ramen noodles due to being fearful if I fall behind they will take my grandmothers housethaybshe left to my uncle. I just want to create a better future for myself and family with a manageable payment instead of beings stuck in a cycle of poverty. I have a good job and make good money but have nothing to show for it due to my high payments. I feel like I will never be able to start a family or live a normal life due to the ridiculously high payments I am forced to make.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX XXXX XXXX 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