Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I am a full time resident of XXXX Ohio and was charged on Macy 's XXXX XXXX card for purchases i neither authorized or knew anything about. In addition these charges took place in XXXX XXXX XXXX, New York. I have never been to this state and have proof of purchases made on my personal debit card in Ohio while these transactions were taking place. When I noticed the discrepancy, I contacted my credit card company right away to file a dispute. In response, they mailed me a copy of a signature that does not match mine from a store that i have never been to. The transactions I disputed and am still disputing were in the amounts of {$210.00} and {$190.00}. I have paid the remaining balance on my credit card that i was responsible for but I refuse to pay for purchases that were not made by me. There should be video security footage from the store that shows the purchase was not made by me and I am willing to send a picture to prove that as well. I will be filing a police report since my dispute was not resolved and am filing a report with you as well. I also intend to escalate my dispute with the credit card company directly. I am hoping someone can help me since I was never in New York and did not authorize the purchase of any men 's shoes Do not get a credit card with Macy 's or XXXX XXXX because they do not take fraud seriously.
Complaint sub-issue: Right to dispute notice not received

From my credit report : In XXXX, XXXX XXXX charged off the credit card account balance ( XXXX ). In XXXX, 2 years later, R A Rogers, INC collection consultants purchased the bad debt from XXXX XXXX. Currently, both parties are reporting on my credit report, being penalized twice for the same debt. Additionally, I have never received communications from Rogers Inc. in relation to the purchase of bad debt or the notice of right to dispute. Is there not a statute of limitation on when the debt can be sold/purchased? Is there something in FCRA, FDCPA, UDAAP that states it can not be reported twice on the same credit report? It seems unfair to be penalized twice through credit bureau reporting. Something does n't feel right with this process. It is damaging my credit history and it needs to be addressed.
Complaint sub-issue: Investigation took more than 30 days

Erroneous, damaging information was not removed from my credit file. XXXX, XXXX, Equifax did not verify information within the prescribed 30 days. Have not removed erroneous accounts from credit file.
Complaint sub-issue: Overcharged for something you did purchase with the card

I bought tickets to a show for XXXX from the merchant XXXX XXXX. My card was charged for XXXX - the merchant had added over XXXX in service fees to the purchase after checkout. This higher amount showed up on my credit card as a charge and in a receipt the merchant mailed me. 

I immediately notified the merchant that I only agreed to the initial price and that the service fees were never presented to me until after the fact in the receipt I was emailed. I told them that I did not agree to the amount I was charged but they refused to reverse the charge or stop the " order. '' I had not received any merchandise or services at this point. 

Since the merchant refused to remedy the situation I contacted my credit card company, Citi, and started the process to execute a chargeback. After taking some information such as the name of the merchant, the nature of the dispute, and my account information, Citi issued me a conditional credit for the chargeback. 

XXXX months later Citi sent me an email saying that they reversed my chargeback and included documentation from the merchant regarding the purchase such as email correspondence between myself and the merchant regarding the attempt to remedy the situation as well as the merchants policies. 

I was never given a chance to present any evidence regarding the fraudulent charge on my card. This evidence would have included the fact that I immediately contacted the merchant to resolve the issue, the fact that I never accepted delivery of tickets to the show, and a long history of predatory overcharges to other customer 's credit cards from this same merchant. 

The merchant was given ample opportunity to make their case to Citi and I was n't given any. This seems like textbook credit card fraud to me which Citi was totally complicit in.
Complaint sub-issue: Account status

My account with XXXX XXXX AKA XXXX XXXX has been completely paid in full for months. Originally I tried to pay this debt through XXXX and was denied the opportunity and was forced to go through the collection agency which I did not want to do due to miscommunication. I paid off the FULL balance in order to receive a deletion from my credit report. XXXX XXXX and XXXX both have not taken the necessary steps to remove this account from my Equifax , XXXX, and XXXX credit reports and it is just unbelievable especially when I tried to pay the original creditor directly and was told I could n't! Now my balance is reporting incorrectly on some of my credit reports it says paid in full and on others it says " settled '' which I never settled I paid the FULL balance. This account needs to be deleted from all XXXX of my credit reports as agreed especially seeing as I dont owe them anything. That negative account is severely affecting my way of life at the moment and I need to see it gone. I keep requesting that the credit bureaus contact XXXX which they did and they even have sent me MULTIPLE statements saying my account was paid in full so I even have documentation. Please remove from my credit reports. I want to believe that XXXX is a good enough company to do this for me.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I am having difficulty getting an amount of XXXX removed from my XXXX XXXX XXXX XXXX XXXX account. The account was charged off and I settled it with their collection agency. The status should read paid collection
Complaint sub-issue: Information belongs to someone else

THE XXXX XXXX LINE OF CRED ON MY CREDIT REPORT IS FRAUDULENT AND THIS ACCOUNT WAS OPENED WITHOUT MY KNOWLEDGE. I HAVE CONTACTED NUMBEROUS TIME THE CREDIT DIRECTLY AND ASKED THEM TO LET ME KNOW ON WHAT BASIS THEY HAVE REPORTED THIS ACCOUNT ON MY CREDIT REPORT.THIS ACCOUNT WAS OPENED FRAUDULENTLY, WHICH MEANS SOMEONE STOLE MY INFORMATION AND PRETENDED TO BE ME, I HAVE NO IDEA HOW TO PROOF OF INOCENSE. I KNOW THEY ARE BIG COMPANY AND THEY CAN DO AND SAY WHAT EVER THEY WANT BUT THIS ACCOUNT IS NOT MY ACCOUNT.
Complaint sub-issue: Reporting company used your report improperly

Equifax gave my personal information ( social security number, name, address, etc. ) to hackers through their blatant negligence. As a XXXX XXXX, I can say with high confidence that literally any basic measures they could 've taken to prevent this were not taken. In addition, they are trying to put language in their " remedy '' to prevent people from suing them for their negligence. They are in charge of helping to determine my livelihood, whether I can buy a house, buy a car, get a job. And they ca n't be bothered to have basic security measures in place? Unacceptable. They should be held liable for any negative consequences that result from their gross negligence. The language in their terms of service attempts to prevent this. The act of trying to get people to get to agree to that document should, in and of itself, be a crime. But they have more lobbyists and lawyers than I do. So, I 'm not hopeful that even minor penalties will be imposed upon them. Regardless of their irrefutable damage to hundreds of millions of honest, hard-working Americans.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX reporting multiple inaccuracies on my credit report such as unauthorized inquiries and inaccurate late payments ive submitted multiple complaints asking for it to be investigated and corrected without sucess
Complaint sub-issue: Right to dispute notice not received

i was told in 2011 by a XXXX Rep that i was not under a Contract with them anymore, so she set up to send me Boxes to put Their Equipment in & they set up a XXXX Installer to come by my Home & pick the Equipment up, he did & put it into their System to prove it. Now here 's where it takes a Twist, XXXX waited 4 years to send me a Bill stating I owed them an Early Cancellation Fee & 2 Months of Service, so while i was on XXXX during this time, I was being Charged for XXXX that i was Told i was Paid up in Full on my Account & i was n't under a Contract. This is Unreal! I called the ERC ( Enhanced Recovery Company , LLC ) & argued this Fact that i was Told totally Different Information then they were Stating, she then said that it Did n't Matter ' I HAD TO PAY or it would Stay Pending on my Credit Report, so I payed the Bill or actually a Settlement of {$270.00} & she said she was going to Contact The Credit Bureau or whomever to have it Deleted from my Credit Report, she said call back in! 0 days. It better be gone quick because that knocked a Hole in my Credit & i was n't even aware of any of this till 4 days ago when i went to my Mailbox & opened this Statement ( Which i will say i do not owe until I 'm pushing up Dirt ), My point being is, How can a Rep tell me I 'm all Good, Send me Boxes for Equipment to be Picked up & then 4 years Later they say i was n't out of the Contract & i was Charged an Early Cancellation Fee ( But They sent me Boxes in 2011 to Pick up Equipment & i did n't owe them XXXX XXXX ) but i was charged for 2 months of Service when the Equipment was in their Warehouse & the XXXX for XXXX was Removed from my House & i was Watching XXXX XXXX, they are Liars, plain & simple. I did n't know what to do so I just Payed the Thief 's!!!!! I have the Confirmation #, showing i Settled with them, but it 's STILL HANGING UP on my Credit & XXXX XXXX are rough, XXXX are really nice, this is just making me look Stupid. If it is n't DELETED as promised from my Credit I might Snap!
Complaint sub-issue: Reporting company used your report improperly

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Complaint sub-issue: Account information incorrect

US Bank knowing lowered by credit score below the current charges on the account which caused the credit card to be reported as being over the limit. This was done despite having an excellent payment record with US Bank and a long standing relationship with them. This made even more egregious by the fact that a payment at roughly the same time lowered the current charges below the credit limit. I have a right as a consumer to be treated fairly and not made to suffer because a US Bank chooses to arbitrarily punish its customers. This was abusive and wrong.
Complaint sub-issue: Information belongs to someone else

I am writing to delete the following information in my Credit report. The items I need are listed in my report. I am a victim of identity theft. I ask that the items be deleted to correct my Credit report. 
I reported the theft on my identity to Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please delete the items as soon as possible. 

Company Reporting Fraud Information : XXXX Fraud Account Name : XXXX XXXX XXXX XXXX Phone Number : XXXX Account : XXXX Balance : {$110.00} Open : XXXX Fraud Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Information belongs to someone else

I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX {$3200.00}
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 120-180 ) plus days late on the XXXX partial account number ****XXXX. ( Please see page attached from my credit. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Complaint sub-issue: Debt was result of identity theft

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX # : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the follow items if information any other adverse item of information, other than the records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or had reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Public record information inaccurate

Public records should be deleted as of  XXXX / XXXX /17 from all credit bureaus,  XXXX , equifax,   XXXX   XXXX  . It is making it difficult to obtain credit. Please delete.
Complaint sub-issue: Information belongs to someone else

Per Consumer Law, 15 U.S.C 1681b - Credit reporting agencies such as, XXXX, Equifax, and XXXX does not have the right to report anything or any matter with a consumers written consent.

15 U.S.C 1681c - 1 Without my written consent these items still remain on my credit and I want them removed immediately because this is identity theft. 

Company Name : XXXXXXXX XXXX XXXX  Date : XXXX 2022 Amount : {$990.00} Actions That Were Taken ; I submitted identity theft paperwork as well as a police report. 


Fraud Account Remove Immediately. 
Company Name : XXXX  Date : XXXX 2022 Amount : {$0.00} Actions That Were Taken ; I submitted identity theft paperwork as well as a police report.
Complaint sub-issue: Information belongs to someone else

This is my 5th attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX and XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$420.00}, XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}, XXXX XXXX XXXX XXXX  XXXX Date Opened : XXXX. XXXX, XXXX XXXX : {$13000.00}, XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$6500.00}, and XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX : {$420.00}. 

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.
Complaint sub-issue: Information belongs to someone else

I would like to update my credit file properly due to the fact someone had use my ID back in 2019. I see my name is still spelled wrong and there are SS # that are not mine as well as addresses that do not belong to me. 
Please delete/remove the following names : XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX. 
My current and only addresses is XXXX XXXX XXXX XXXX XXXX Please delete / remove the following unknown/ fraudulent addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX My SS XXXX DOB XXXX please delete any other data or information that doesn't match.
Complaint sub-issue: Company closed your account

XXXX XXXX XXXX closed my account due to there fee 's I do not want my credit report getting hit due to XXXX XXXX closing my account
Complaint sub-issue: Didn't receive enough information to verify debt

Good Afternoon, I first learned about the debit on my credit report as I was under the assumption this was my ex wifes debit. After learning that we are both responsible I contacted the company at Hunter Warfield to find a settlement. I asked for my account number & pin number and was told I didn't have one the first time called back 2nd time and had to speak to the gentleman several times in order to be provided it. Then after I told them how much we had to settle he proceeded with a counter offer and I asked him to please provide the settlement in writing so that I know that it is a legit and I would be protected before providing my card number. He refused to provide me the offer in writting and then said if I don't pay right now I will owe the whole amount. He has not stopped calling me even though I continue to tell them I want to pay I want to accept the settlement offer but, I need to have something in writing that by pay this settlement amount I will be paid in full. They still refuse.
Complaint sub-issue: Loan balance remaining after the vehicle is repossessed and sold

I checked my credit reports for accuracy as I am in the process of being pre-qualified for my very first mortgage through the First Time Homeowners Buyers program, I saw a debt reported by Jefferson Capital Systems for a vehicle that was repossessed in 2020. The trade line is demanding I pay {$11000.00} owed to XXXX XXXX XXXX. 

Since I was laid off during COVID, the layoff caused me undue hardship and I was unable to meet the monthly minimum. I have finally found employment ( $ XXXX at a XXXX  ) and have been able to save, but I can not possibly repay this debt in full as I am a single mother with XXXX kids and only one income coming in monthly. I am writing to ask if you would be willing to accept {$2000.00} as payment in full since the car was sold shortly after being repossessed ( XXXX check shows it has a new owner ). I saved up money, so if you could accept {$2000.00}, I could send you a cashier 's check [ or money order ] or make a payment via phone as soon as I receive notice that you will accept my offer. 

If you agree to these terms, please mail a signed and dated letter to the address attached to this complaint or attach it to the complaint. After receiving it, I will send you a payment of {$2000.00}, which will constitute payment in full, trade line deleted, and release me from all further collection efforts by both the original creditor and your collection agency.
Complaint sub-issue: Funds not handled or disbursed as instructed

XXXX. XXXX. XXXX to be paid by XXXX. XXXX. XXXX : money to be transferred to an external account for one dollar. company states they will notify me if transaction is not made : I recieved no notification. Fraud department placed hold dt suspicious amount. refused to lift the hold. Requested I pay the full amount, although I have not transferred to the external account before. I refused the full amount. requested minimum. No value would be provided to me. Fraud person agreed to XXXX dollars. New transaction dates XXXX. XXXX. XXXX to be withdrawn by XXXX. XXXX no notification again, follow up again and the amount hold again. The bank is putting a barrier to me using my money. I have sufficient funds. 
I have asked a manager to call me. The staff have refused and will not provide a number. I have given up and notified that I am filing a complaint. Someone at that bank appears to have a bias and causing trouble for me. each call in takes atleast 42 minutes : I have the dates as follows : XX/XX/23, XXXX. I have called my local bank branch and they defer to the 1800 number stating they do not have time. I want my account investigated. I have banked with us bank atleast 20 years. I will leave as soon as one of my checks that was misappropriated is returned to me ( a payable check was deposited to the wrong account, that is why i was attempting to establish a transfer to account, service that is provided by this bank ... is not being preformed with no reason other than it is not enough money, but will not provide me with an amount that is enough ).
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, 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 an account without my written instructions
Complaint sub-issue: Information belongs to someone else

I provided XXXX, XXXX and Equifax with information asking them to verify all accounts on credit file, as I did have issue with incorrect information being reported, as I am a XXXX. I advised that the information was not current, shown to have been incorrect, and ask that they remove the incorrect information ASAP. They are also providing and showing out dated information advising that I am currently behind on my accounts, when I am current and have not been late. Advised that information would be updated, but that information did not show to have been updated still to this day. Showing the last information to be reported was dated for XX/XX/2017. I have asked all 3 companies to update, verify or remove the accounts and to no avail. At this time I am asking for all hard inquires, as well as all collections shown to be removed, and all outdated inaccurate information removed as well. I shouldn't have any inquires on my report as I have not apply for any updated or new credit. I have sent letters to all 3 credit companies advising if this information is not corrected, I will move on the legal actions. I should not have to pull and go back in fourth with a company that is paid to report accurate and true and correct information! Please assist me in getting this all resolved and having all this information verified, removed off my report. I didn't want to come to this point, but this is the only chance to have this matter resolved.
Complaint sub-issue: Information belongs to someone else

After receiving my report from Equifax I learned that they still had two other people ssn, addresses, collections and phone numbers on my report. I filed a dispute on the accounts and they keep saying verified. I asked them to send me proof of signature or a form of verification and they couldn't. These things have held me back for years. This is stressful and my anxiety is thru the roof over this.