AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I am a victim of identity theft. The information listed below, which appears on my credit report, is not my debt. I have spent countless hours and dollars seeking a resolve. The initial police report was filed in XX/XX/XXXX, since that time XXXX more reports have been filed. It appears when my information was stolen those persons secured debt via loans and health care services in my name. I have attached the report filed in XX/XX/XXXX. The persons are still using my information, as it related to one of the theft incidents ; XXXX County has made XXXX arrest. The XXXX County Police Department has advised me to contact you again, along with the social security XXXX, all bureaus, govern entities, and the Consumer Financial Protection Bureau. The items listed should be blocked and deleted : Delete the information reported by XXXX XXXX XXXX, ref number XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I signed up for the Citi ThankYou Preferred credit card, which advertised XXXX Citi Thank You Points as a signup bonus. I signed up in XXXX XXXX, and should have received the points in XXXX XXXX. I chatted with customer service reps in XXXX, and again in XXXX, and again in XXXX. Each time they said I should be getting the points soon, but as of today I still have n't received the points. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I discovered my fico score said I have XXXX collections. I knew that was wrong because i always pay my bills. I tried to find out what could be on my report. First of all, it seemed very fishy, because, both were exactly {$170.00}. Then I found out that the bill was for sprint and I had not had sprint for at least 5 years, approximately. Why would I have a bill from XXXX, who never contacted me since my final bill, years ago? 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I would like the credit reporting companies to update their reports. I have been paying this debt for quite some time and it is now satisfied. I would like it removed from the reports. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: There is an account on my Experian report that does not belong to me. I have tried to contact the collection agency XXXX whom is reporting this account and the phone numbers are disconnected and the fax numbers are no longer in service. I disputed this account with XXXX and the response I got was this account was 'VERIFIED '. Experian did not verify this account because this company is no longer in business. I asked for the METHOD OF VERIFICATION that Experian used and got no response other than XXXX. There is no way that this account was verified if it is gone out of business. This collection account has ruined my credit score tremendously and I am using CFPB as the last resort before pursuing legal action. XXXX XXXX, XXXX, XXXX, and XXXX are all accounts that do not belong to me. I have disputed these accounts numerous times with XXXX as well as the collection agencies for VALIDATION and have not gotten a response in 30 days from the collection agency so I am certain that these XXXX accounts have not been properly verified through Experian. I requested signed paperwork with my signature on it for validation that this account belongs to me and XXXX nor the collection agencies verified not validated this fraudulent information. This is my last attempt for this fraudulent accounts to be removed immediately since they have not been validated. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX 2015 a {$450.00} item showed up from a check written on my credit card. 
There was an additional fee for the check of {$22.00} I did not use a check and reported the activity to Citi Card after receiving our statement. The check was never authorized by me and I disputed the charge and the fees. The representative from Citi told me not to worry and the charge would be removed. I also at this time requested they not send me blank checks to my unsecured mailbox. 
On my XX/XX/XXXX statement the charge was never removed, and I am still getting blank checks in my mailbox. Made a second call and spoke to a representative at Citi and they informed me that they would take care of it including not sending blank checks. This time I started monitoring the online account activity. There was no change on my account. 
I called a XXXX time and requested specifically they send me formal dispute paperwork. At this time the representative at Citi asked if I wanted to list my Husband on the account as we just got married. I said sure. I also re-iterated that I am still getting blank checks in my mail which is how this type of fraud starts. The representative said they would get the checks to stop. 
After not receiving the dispute form I called a fourth time. This time I was able to coax them to actually sending the paperwork to me. The fraudulent copy of the check was in the dispute form and was clearly not something I signed and authorized. Further, it is not legible enough to even determine what financial institution accepted this fraudulent check. 
I filed the dispute paperwork on XX/XX/XXXX. 
On XXXX XXXX I received a statement from Citi stating they need my husbands signature to process the dispute. I find this insulting since he was not on the account and still does not have any credit scoring information assigned to this account. 
The check and check fees are still assessed against my credit card account. 
At this time I feel that there is no good faith on Citi 's end and have been dealing with the issue for three months. This is not acceptable behavior for a financial institution of this size and contradicts their fraud policy advertised on Television and other media sources. 
My Citi Diamond Preferred Card Information : XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX : was XXXX XXXX during the fraud activity. 
Account ending in XXXX My personal contact information is : XXXX XXXXXXXXXXXX I recently received a 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I sent R S Clark & Associates a request to validate a debt pursuant to Texas Finance Code ( see attachment " RS Clark Dispute '' ). They had 30 days to respond. They did n't. In response to a prior complaint filed with CFPB, they provided an accounting stating that this validates the debt ( see attachment " RS Clark XXXX '' ). It does not meet the requirements under the law and does not validate the debt. They have wholly failed to validate this debt and under the laws of the state of Texas, it must be removed from my credit listings. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have tried but they will not provide me with my report. Also there information about me is wrong and out dated. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/XXXX I received an alert from TransUnion that a collection account had been added to my credit report by Central Credit Service of XXXX Florida in the amount of XXXX. On or about XXXX/XXXX/XXXX, I contact the agency to inquire about the entry and it was stated to me that communication regarding this account had been sent to an address that I had not resided in since XX/XX/XXXX. I had an initial conversation with one representative, who at that time recited to me my 'current ' address. At that time she stated that they had recently acquired my new address as of XXXX/XXXX/XXXX. I then stated that they had in fact violated my rights as I had not verified or validated that the account was mine. I then asked to speak to a supervisor. Continuing on with the discussion and speaking with XXXX XXXX, she then stated that no documentation was sent to my current address and that the communication was only sent to the previous address. I then iterated that their entry on my credit report violated my rights to verify and validate that the account was mine before reporting to the credit bureaus. I then requested to speak with her boss. I was directed to give XXXX XXXX XXXX a call to further discuss. My second communications with Central Credit involves my restating that this said debt had not been communicated verbally or in writing as my right per the FDCRA. They then restated that they had mailed communication to the previous address but had NOT sent written communication to my present address. The entry to my credit report was XXXX/XXXX/XXXX. I then requested to speak with the supervisor on duty and was connected to XXXX XXXX, who then preceeded to tell me that communication was sent AGAIN to the previous address but not the current. I then stated to XXXX XXXX that my rights as the consumer being charged as being responsible for this had NOT been communicated as per my rights and that they failed to verify and validate said debt before listing the account on my credit report. XXXX XXXX then stated that Central Credit Services will not confirm or deny that they failed to verify or validate the debt prior to listing the account with the credit reporting agencies. I was then direct again to give XXXX XXXX a call. I have not been able to reach XXXX XXXX and have left him a message regarding this unverified debt. To date, the day being XXXX/XXXX/XXXX XXXX am, I have YET to receive any written communication from Central Credit Service or a returned phone from XXXX XXXX XXXX. 

Per the FRCA and FDCPA, debts are to be verified and validated prior to being reported to the credit reporting agencies. I as the consumer have the right to validate, verify or dispute said debt, which as of today, I have not. I am still awaiting documentation that illustrate that I 'm responsible which Central Credit Services has not provided. YET, on XXXX/XXXX/XXXX they reported to the credit reporting agencies an unverified and invalidated account. I have not verified or disputed this account, as it is my right to do so provided by FCRA and the FDCPA. 

Company response: Company chooses not to provide a public response
Consumer complaint: In the attachment, XXXX credit bureau has incorrect information. I have never had an account at XXXX. 

Why is this account ( for which I have never had ) appearing on my credit in XX/XX/XXXX, when the debt is zero and the original ( inaccurate ) report is listed as XX/XX/XXXX? Can you please work with Transunion to remove this from my credit? 
Thank you, XXXX XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I received a loan offer from Best Egg ... I was only interested due to the No origination fee offer ... I completed the application process and then noticed the disclosure of a XXXX charge for a origination fee..I called the XXXX service center in XXXX XXXX and was told..sorry we cant help you ... I then spoke to the supervisor on duty who offered no explanation. I feel that this is very deceptive.practice. 

Company response: Company chooses not to provide a public response
Consumer complaint: In 2008 We had a Countrywide loan when Bank of America took it over. Bank of America immediately put us into foreclosure proceedings even though we were not late on our loan. It took us 4 years, and finally negotiations from our state senator forced them to write us a Harp loan at 7.5 % interest. We want to refinance now and everywhere we go, they wont talk to us because our credit is showing XXXX late over 90 days. This is NOT OUR FAULT! How do we get them to remove it from our credit? 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been denied several times due to a bankruptcy issue that occurred back in XXXX XXXX. This bankruptcy should have been removed off my credit report in XXXX. Trans Union is reporting this information incorrectly. And because of this my credit scores are low too. I was under the understanding that bankruptcy 's should be off the report in 7 years and removed after 10 years. But obviously this is not the case. I should not be suffering any longer on this part of my life that happened over 11 years ago. Please rectify this and get my credit back to where it should be. Thank you. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: my dispute letters and explanations I filed with letters that i typed and checked status on were never investigated and i didnt have any help or tranfered to anyone that could assist me to make a better future for myself with all this hanging over my head and is keeping me from purchasing a car, house or anything dealing with credit. this was to dispute the issues on my report that were since XX/XX/XXXX and until XX/XX/XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX, an online event ticket broker, charged us an incorrect ammount. We purchased tickets online for a XXXX XXXX Concert occuring on XXXX/XXXX/2016. During checkout they showed the total as {$250.00}. They charged our bank account {$1100.00}. We did n't know we were charged that much until we got the receipt. 
They will not even talk to us to resolve the issue. 

We contacted our bank to file a complaint and they did nothing for us. 

It should be noted that the tickets they sold us are still being sold today, from the venue sponsor for {$80.00}. 
XXXX tickets are only {$250.00}. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: I am submitting a complaint today on XXXX/XXXX/15 due to the fact that I ambeing overcharged for my private loan which is a parent plus loan withXXXX XXXX. When I first visited with my parents on the campus todiscuss financials, we were told that the amount would not exceed {$20000.00}. I had come from a XXXX college called XXXX inXXXX, IL. I had received an associates there and was able totransfer XXXX credits to Argosy University in XXXX, IL. 
I still had a remaining XXXX credits to achieve my XXXX degree. 
We had decided that I was to attend school full-time. I also wasnotified on the news that Argosy University was being sued forover-charging students on their loans which has caused financialdistress among XXXX students including myself. I had receivedaround XXXX stipend checks which I returned back to the lender andchose not to keep them. I felt this was the best decision for me, because I did n't want to accrue anymore debt. When I had completedschool, I had received checks from XXXX XXXX and XXXX servicing. 
My federal loan balance was around {$9000.00} and my XXXX XXXXloan ended up being {$38000.00}. We were completely shocked overthese numbers because this was not what we were told. I have beenpaying the loans without a doubt, but will struggle. I have not been lateonce. I spoke to XXXX XXXX multiple times stating that it was difficultfor me to make payments, but were unable to help me. I told themI had made on -time payments and they could n't arrange anything. 
My concern is not the federal loan at this point, but the XXXX XXXX. 
I have attached XXXX documents which include history of my account onmy portal with Argosy University which show all the charges accruedand voids of my stipend checks. I have also included the tuition feeschedule to show what should have been charged per semester. Mygoal is to reduce my financial stress of my total loan of {$47000.00}. 
I believe my account history should be looked over very carefullywith hopes that I can lower my loan amount which is what Iwas promised from the counselor. I do n't believe this amount iscorrect and I am struggling making these payments due to myother accrued expenses elsewhere. The person I did speak with isXXXX XXXX with Argosy University. I do n't have a high enoughincome to support these payments. I have just graduated. 
XXXX XXXX which is led my the state, had revealed on the newsthe large amount of students being misled and overcharged forstudent loans and I believe I am one of them. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Bank with Wells Fargo opportunity checking account # XXXX. I received my social security XXXX award of {$1900.00} a month wanted to change my account to a regular account they refused my car was broken into and my XXXX letter was stolen and {$200.00} my tithe money i bought things from XXXX i also filed a report with shiriff 's for the theft of items in my car the day of incident i applied for loans from XXXX and with XXXX XXXX XXXX I opened an account with XXXX XXXX XXXX. setup to change my direct deposit to XXXX XXXX XXXX. I Closed my account with Wells Fargo they close my account and give me {$700.00} when I had {$760.00} I deposit the {$700.00} dollars in XXXX XXXX XXXX. iget denied for loans because Wells Fargo illegaly closed my account without giving me all my money they then destroy my relief of debt I am entitled to under XXXX law. I have yet to receive my {$64.00} from them my account was closed XX/XX/XXXX but I do n't have the rest of my money and they destroyed my credit also I am now have to hire a credit repair lawyer to fix my credit because bankruptcy i ca n't file because I filed XX/XX/XXXX. What can you do to Wells Fargo for their illegal actions. I am now having problems with returning items to XXXX purchased with my wells fargo account which is closed so that money is in limbo now. Thanks XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXXXXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have mailed copies of my DL and Court documents for name change via XXXX MAIL and no response I have uploaded my documents DL SS and bill with address to their site and no response I have faxed my documents DL SS and bills with address to them and no response on the update of my personal information 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I am writing to dispute a billing error in the amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my account. The amount is inaccurate. I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX XXXX EMPLOYEE/SUPERVISOR XXXX XXXX HAS STATED TO ME THAT BY LAW XXXX DOES NOT HAVE TO SUPPLY A STATEMENT ON THE FIRST LATE DATE OF THIS ACCOUNT, NOR DO THEY HAVE TO KEEP THE IN HOUSE RECORDS. I ALSO HAD THEM CHECK INTO ANOTHER CASE THEY HAD IN THERE OFFICE SOMETIME AGO. 
ACCOUNT NUMBER : XXXX Original Creditor : XXXX, XXXX. 
Current Owner : XXXX XXXX XXXX XXXX Number : XXXX AND THEY HAD TOLD ME THAT THE ABOVE CASE HAD BEEN DISMISSED, AND THAT THE CASE I 'M DISPUTING NOW ACCOUNT NUMBER : XXXX REF NUMBER : XXXX WOULD BE CLOSED DUE TO HARDSHIP, BUT I 'M STILL BEING HOUNDED BY THEM AND FIRST NATIONAL COLLECTION BUREAU , INC . 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX XXXX, XXXX, I mailed the following to Fraud Claims Department, AT & T Universal Card, XXXX XXXX, XXXX XXXX, XXXX XXXX. As of today I have never received an acknowledgement or a response to my letter and claim. 
I was instructed by Customer Service to mail in the details of the charges that I am disputing as fraud. Please find enclosed a list of all charges that I am disputing. I have never conducted business with XXXX XXXX XXXX. This charge took place more than two hours from where I live in XXXX, XXXX. 
I did not initially identify this transaction as fraud because I am XXXX and XXXX. I, therefore, require assistance. Unfortunately, I only did a cursory review of my statements and obviously not a detailed and thorough analysis because of the medical conditions that I was experiencing at the time. 
I was unaware of the extent of the fraudulent charges especially since I was using the card at the same time and my primary method of reviewing the statements was by phone and not all of the relevant information was available to me, such as the city where the charges were made. Furthermore, my bill was due and I wanted to avoid late charges and extra interest and to maintain the good standing of my account. 
I am certain this transaction is fraudulent. I had to provide an agency with the last twelve months of statements. The agency was only concerned with charges relevant to them. As I was omitting non-relevant charges I discovered a fraudulent charge in XXXX, XXXX, on a different credit card from a company I had never heard of. This prompted me to examine all of my past records/statements for all my credit cards. With assistance and hours of close examination of all my statements I discovered charges for XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX ( charges to a utility company that I had never had an account with, done business with, nor resided in that city ). 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Called Citi Bank to complain about a mix up on a payment, and they then reduced our credit line. While we are no longer using the card, I still do n't want my credit to show I 'm at my limit, and I asked them why they did it. They said it was information from XXXX I checked my credit report from XXXX, and I found no negative information. I called them back, and they told me the same thing again. I ca n't fight with XXXX because there 's nothing to fight about, and I ca n't fight with Citi Bank because they wo n't tell me what the problem is. I ca n't win. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I was robbed at an ATM while XXXX, the XXXX can be seen in the camera footage. I requested that the bank review this information and help me recover any costs or proceed with police complains, they did not, and did not show any proof that they attempted to resolve the issue in any meaningful way. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Attached is a copy of my ( 1 ) Social Security Card with correct name and my Drivers license with correct address ( 2 ) Divorce Decree ( 3 ) Copy of Experian Personal Information report Please correct my Personal Information Name field to reflect my correctly spelled legal name : XXXX XXXX ( only ) and the Addresses field has XXXX addresses listed that are incorrect. I have never lived at : 1. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX and the Addresses field has 2 duplicate addresses. Please delete address identification numbers : a ) XXXX ( XXXX XXXX-Residence type : Multifamily ) b ) XXXX ( XXXX XXXX XXXX XXXX Residence type : Multifamily ) Spouse or Co Applicant field : Remove XXXX ( attached divorce decree ) Telephone numbers : Delete XXXX ( my xhusands cell number ) Delete XXXX XXXX ( residential : I do not know this number ) 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response