Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information is missing that should be on the report

Citibank instructed the CRAs to delete an open, valid account from my credit report on which I am an authorized user. They did not do so at my request. Nor did they do so at the request of the main accountholder or " responsible person '' -- see attached file. When I called Citi about this in early XX/XX/XXXX, they told me that the account would automatically reappear on my report soon after the current billing cycle ended. I waited a month and it did not reappear. So next, in mid-XX/XX/XXXX, I tried writing to Citi. Citi replied with a refusal to fix its error. I wrote Citi again on XX/XX/XXXX. Today, XX/XX/XXXX, I received a phone call from Citi 's Executive Office ( XXXX ) with another refusal to fix the error. The person with whom I spoke incorrectly believes that the account can not be added again because her office believes that FCRA **prevents** Citi from placing the account back on my report once it has been removed. This is obviously an inaccurate interpretation of 15 U.S.C. 1681i ( a ) ( 5 ) ( C ) : That subsection is designed to prevent reappearance of **inaccurate, unverifiable, and aged-off** accounts. Nobody has disputed that the relevant account remains open and in good standing, or that I remain an authorized user on it. Furthermore, FCRA can indeed be interpreted to **require** that Citi report this account. I have my own credit card account with Citi, opened in XX/XX/XXXX. Citi is reporting that one account, but not this other account for which I am an authorized user. Citi is therefore reporting incomplete information concerning the data it has for me. FCRA does not allow reporting of incomplete information. It states in relevant part : " Duty to correct and update information : A person [ here, Citi as an information furnisher ] who ... has furnished to a consumer reporting agency information that [ it ] determines is not complete ... shall promptly notify the consumer reporting agency of that determination and provide ... any additional information ... necessary to make the information [ it provides ] to the agency complete ... [. It ] shall not thereafter furnish ... information that remains not complete .... '' 15 U.S. Code 1681s-2 ( a ) ( 2 ). Citi knows that it is providing incomplete information for me ( only one of my open accounts with it ), and that it has accurate information -- about the other account -- that is not currently providing. Although Citi can not meet the " promptly '' requirement now because I have been complaining about this since the first half of XX/XX/XXXX, that is no reason for it to refrain from fixing its mistake now.
Complaint sub-issue: Debt is not mine

To Whom It May Concern, I 've never had an XXXX account in my life but yet a debt of {$73.00} appears on my credit report, so in turn I am sending this letter to you in response to what appeared on my credit report from your company. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 
If your offices have reported invalidated information to any of the XXXX major Credit Bureau 's ( XXXX, XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 
Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel. This includes any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. 

If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. 
This is an attempt to correct your records, any information obtained shall be used for that purpose. 

Best Regards, XXXX XXXX.
Complaint sub-issue: Public record information inaccurate

I sent a certified letter to FTC ( XXXX ) that a XXXX XXXX reported negative on credit bureaus. XXXX XXXX has removed the negative XXXX XXXX from there system. I was informed when I called that the FTC sends to the mail room and sometimes the CFPB gets it and sometimes not. 

Attached you will find the letter I send to you on XX/XX/2021.
Complaint sub-issue: Problem with personal statement of dispute

This is for loan XXXX XXXX and the late payment on XXXX that was reported as late on my credit report while an investigation by XXXX XXXX XXXX was being supposedly completed by them. <P/>I reported this to XXXX at XXXX with supervisor Mr. XXXX about the car accident. He agreed to resolve the matter and return my phone call with-in 4 business days. We agreed that I not make the payment until I heard back from him specifically with regards to a resolution. <P/>He further stated as other XXXX representatives verified that a " hold '' or indispute was put on my file and that the next payment due would not get reported late if I the matter was resolved. <P/>I and all parties agreed to this. I only noticed several days later hat they did report by negligence and error that I was late. <P/>I was not late. I never heard from anyone and did as I was told. Which was to not make the next lease payment until the issue was resolved. <P/>As I have stated numerous times, I have tried at least 20 times to contact XXXX and they will not speak with me.
Complaint sub-issue: Problem with balance transfer

This is in respect to an error made by PNC Bank in processing a balance transfer from XXXX XXXX. 
In XXXX of XXXX, I submitted a request to PNC Bank for a VISA card. At the same time, I submitted a request for a credit card balance transfer from XXXX XXXX to PNC. On XX/XX/XXXX, a debit was made to my XXXX XXXX account ( it actually posted on XX/XX/XXXX ) in the amount of {$6100.00}. In addition, a special rate offer fee was charged to my account in the amount of {$120.00}. This was the exact opposite of what should have happened. Had my balance transfer been handled correctly by PNC Bank, XXXX XXXX would have received a check from them in the amount of {$6000.00}, and when combined with the payment of {$3400.00} that I arranged to be paid from my PNC checking account, payments of {$9400.00} would have been received by XXXX XXXXXXXX by XX/XX/XXXX, which would have brought the amount due on my XXXX XXXXXXXX credit card account to {$0.00}. 
Upon discovering the error, I contacted PNC and spoke with a customer service representative. They assured me that the error would be corrected. My VISA card balance with PNC was corrected. However, they failed to return the money they received from XXXX XXXX to XXXX XXXX. 
I arranged to meet with the local PNC Branch Manager ( XXXX XXXX, FL ). After explaining the situation to him, he contacted his designated point-of-contact for such issues. During the meeting, I also spoke with this person, and was assured that two checks would be sent to XXXX XXXX -- -one to repay the original {$6100.00} that was sent to PNC due to error on the part of PNC , and one for the balance transfer I had originally requested in the amount of {$6000.00}. 
On XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX received two payments of {$6000.00} from PNC Bank. As previously stated, one payment was supposed to be for repayment of the {$6100.00} they erroneously requested. The second payment was to be for the original balance transfer request I made to them. So, other than the balance transfer fee that XXXX XXXX charged me through PNCs error ( {$120.00} ) and the discrepancy in the amount received by PNC originally and the amount they returned to XXXX XXXX ( {$97.00} ), I had been made whole. 
On XX/XX/XXXX, my wife forwarded an e-mail message to me that she had received from XXXX XXXX. The message indicated that PNC had requested that an amount of {$6000.00} be returned to them, which XXXX XXXX honored. This has resulted in my XXXX XXXX credit card balance increasing by that amount with no corresponding decrease in my PNC credit card. I contacted the Branch Manager on XX/XX/XXXX to inform him of the situation and requested his assistance in correction of the error. As of the date of this complaint, I have not heard from him. 
I am requesting assistance in getting this issue resolved. While I am not attaching documents at this tie, I have all documents necessary to show the payments received by XXXX  XXXX from PNC and vice versa.
Complaint sub-issue: Debt is not yours

On a recent review of my credit report, I discovered your company reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports.
Complaint sub-issue: Privacy issues

Citibank closed a retail credit card with a rewards program that I had open with them. The two main issues are a privacy concern with illegal monitoring of credit reports and activity and discrimination in lending when I asked them for a credit line increase. 
First being as I typically use the card for everyday purchases and pay off the balance in full every month I would accumulate reward points very rapidly. However with the account being closed this forces me to pay an interest charge on the balance while I pay it off in increments. This was a malicious act by the credit card company in order to make money during the health pandemic and suggests that they are aware of my financial situation beyond the scope of what what is necessary for them to service my account Second, I have excellent payment history with the bank and have paid all of my accounts in full in the past and was repeatedly denied a credit line increase when I requested one based on my credit profile. This bank likes to act as the " Bank Police '' acting in a intrusive and malicious manner towards customers who may owe money to other banks without regards to the individual situation at Citibank often asking questions that are not relative and should not be part of a credit line increase request. 
Lastly, I believe the bank discriminated against me in lending practices being fully aware that such a low line of credit would keep my XXXX score low reducing my buying power and having an adverse affect on me financially. This is antitrust and a violation of Fair Debt Collection Practices and Fair Debt Reporting.
Complaint sub-issue: Received bad information about my loan

Not only does this complaint involve dealing with my lender, it also involves the repaying of my loan. In XX/XX/XXXX I called to see if I could get my payments reduced because I would not be able to make XX/XX/XXXX payment. I was told my loan payment must be past due before anything could be done, which I think is absolutely ridiculous. So I waited to call again after my XX/XX/XXXX was past due to see what could be done, after having to talk to XXXX different people and such a huge hassle I was told they could do nothing and I was not qualified for help, and at this point it was mid-late XX/XX/XXXX. I ask if there was anything they could do to get help and I was told that I needed to wait another 30 days to see if other options opened up after I missed another payment, which again I think that is absolutely ridiculous. I was also told that my account would not be marked late on my credit reports until 60 days past due and as long as I got into a program before then I would avoid any negative marks on my credit report. So I again called in mid XX/XX/XXXX about 10 times over two weeks and had to wait 45 to over an hour on hold, and never ended up talking to any one because of the long wait time. One of the times someone answered, and all I heard was back ground noise then I was hung up on, which is one of the most unprofessional things I have ever experienced with Sallie Mae. I finally got a hold of someone the end of XX/XX/XXXX and was still not 60 days past due yet because the lady told me I was XXXX days late, and was finally qualified for lower payments and lower interest. However, I just saw today that my credit reports have been file with negative reports of XXXX days late, so I was blatantly lied to about the reporting, and this could all have been avoided if they would have helped me In XX/XX/XXXX or XX/XX/XXXX
Complaint sub-issue: Account information incorrect

FIRST, I WANT TO THANK YOU FOR YOUR PREVIOUS HELP WITH CITIBANK, N.A., NOW THE NEXT PROBLEM ... 
AS OF MID XXXX, CITIBANK , N.A . HAS REPORTED TO THE 3 MAIN CREDIT AGENCIES, XXXX, XXXX, XXXX, THAT OUR HOME EQUITY LOAN ACCOUNT # XXXX HAS BEEN PAID IN FULL AND SHOWS NO BALANCE. AS OF MY XXXX PAYMENT TO CITIBANK, MY BALANCE IS ABOUT {$49000.00} +, AND FOR SOME STRANGE REASON WHEN XXXX AND XXXX RECEIVED THE LAST BANK REPORT MY FICO SCORES DROPPED FROM THE NEAR 800 LEVEL. 
IF THE CITIBANK REPORT IS TRUE THAT THERE IS NO BALANCE I HAVE NO IDEA WHO PAID IT.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have some various inquiries in my credit accounts. All 3 : XXXX XXXX, and XXXX. I am trying to sign up for a mortgage, so I need to fix my credits. XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. The confirmation number of the inquiry with XXXX XXXX is : XXXX. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I have no recollection of this inquiry. I contacted XXXX, and they said they were going to remove it, but never did. I submitted a dispute with XXXX but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX but they decided not to approve it. They said there is nothing they can do. XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. I have a long-standing account with XXXX. I dont know why they ran my credit again.
Complaint sub-issue: Problem getting report or credit score

Equifax is not releasing my report and score due to a fraud issue. I have called to verbally verify my identity and they stated it should be released which it is still not. This has been an ongoing issue for a while. I was told to go the the EF site and pull the report and I am still unable too. They refused to even mail me a copy.
Complaint sub-issue: Debt is not yours

AR RESOURCES INC HAS AN ACCOUNT ON MY CREDIT REPORT THATS NOT MINE.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been disputing inaccuracies on my Report since XXXX of 2020. Equifax is reporting an account that has no creditor listed. Initially an account with the same account number XXXX XXXX was reporting but now that's gone and this account is showing. I don't know if this my account because there is no way for me to verify the information due to no creditor being listed on my credit report. I've sent multiple letters and they acknowledge my dispute in the comment section but they haven't provided me with who is reporting this information nor have they deleted it from my report. I'm trying to purchase a house and don't understand how I can take care of debt, if in fact it's mine, if there is no creditor listed. I don't know if this is XXXXXXXX XXXX since that was deleted from my credit report. I just need help at this point.
Complaint sub-issue: Old information reappears or never goes away

I obtained A XXXX XXXX secured credit card at a young age at a time I was not financial literate or responsible thus resulting in me over spending and allowing the account to go to collections. On XXXX XXXX I went into a branch and spoke with a woman who stated that if I paid it off in full it would not only close but it would also be removed from my credit. 

As I apply for new credit cards in almost XXXX  with the credit score of XXXX I am frequently denied for this account even though it was paid in full and closed. I have reached out and spoke to them directly and they are stating they will not remove the account.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act, the following companies have violated my rights : *XXXX account reported late once, but payment was in office and not credited to account- asked for grace as payment was in office XXXX XXXX  account reported late but payment was made- call made and was told they arent going to adjust XXXXXXXX XXXX XXXX XXXX  payment made but reported late, but never sent payment slips and was instructed that they mailed a payment book that I didnt get ; and XXXX XXXX payment reported late, but my account was set on automatic debits 15USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Other problem getting your report or credit score

Its been almost a year now since i made my experian account and requested my free score and report name is : XXXX XXXX XXXX i have been charged repeatedly over and over BY XXXX FOR A SUBSCRIPTION I NEVER EVEN SIGNED UP FOR. XXXX gives you a " XXXX '' product that they peddle as accurate when NO mortgage companies use that score. In addition, once you realize this is a TOTAL scam product, YOU CAN NOT UNSUBSCRIBE from their relentless marketing emails. I called them on the phone repeatedly and no one would remove me from their email list. I requested to be removed via their chat, no results. This is tantamount to an abusive telemarketer calling you repeatedly when you are on the do not call list. This company should be fined XXXX for the harassment of the American people. this is a very frustrating issue regarding the fact that i, trying to improve my score and report but it seems as if the bureaus jus want to demolish it. XXXX AND EQUIFAX also as well have been continously sending me emails and furnishing things on my reports listed under " XXXX XXXX '' " XXXX XXXX '' these two bureaus also pulled the little " oh yea get started for free but also enter your credit card info... ..... ''
Complaint sub-issue: Information belongs to someone else

I pulled up my credit report and realized I'm a victim of identity theft. I seen XXXX unauthorized inquiries from XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XX/XX/2021, XX/XX/2021, XXXX XXXX XXXX XX/XX/2021
Complaint sub-issue: Information belongs to someone else

I recently moved to XXXX with family. During my travel here i misplaced a few of my personal items. My purse included i lost my sscard, dl, bank cards and more. I have pulled my credit recently and saw alot of information reporting that does not belong to me. i have listed all of the accounts that it would allow in this report, I will include the additional names, addresses and accounts that do not belong to me here below names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX addresses XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX accounts XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXXXXXX ACCT # XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that this item was verified by the creditor however there is nothing notated on my credit reports that this item was ever disputed. That is a violation and this late payments need to be updated.