Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Attempted to collect wrong amount

Alliance One sent a communication ( 15 USC 1692 a 2 ) to this consumer, XXXX XXXX XXXX, dated XXXX XXXX 2017. The communication clearly reads that this is from a debt collector ( 15 USC 1692a 6 ). XXXX XXXX is a consumer as defined in 15 USC 1692a 3. The communication indicates an account below the consumer 's name. Within consumer law an account, as defined in 15 USC 1693a 2, is an asset account involving personal, family, and household ( which means consumer account ). A financial institution is defined in 15 USC 1693a 9 as any person that directly or indirectly holds an account belonging to a consumer. Several violations have occurred as described in the FDCPA : 15 USC 1692 b 2 - shall not state such consumer owe 's a debt ; 15 USC 1692 c - contact without prior consent ; 15 USC 1692 e 10 - false representation or deceptive means ; Due to these fraudulent means to collect an alleged debt, this consumer is claiming actual damages in the amount of {$100000.00} USD pursuant to 15 USC 1692k a 1.Research indicates that this entity- Alliance One - shows an annual revenue of {$20.00} to {$50.00} million dollars. XXXX, consumer, creditor, expects payment in 5 days.
Complaint sub-issue: Problem getting your free annual credit report

I have contacted Equifax and XXXX  about the unavailability of obtaining the reports. The customer service was no help, the chat function was no help.
Complaint sub-issue: Information belongs to someone else

I have a car loans and personal loans with extremely high interest rates, which caused me to check my credit report and noticed that they still had my twin brother accounts on my report, and my cousin who has the same as I do. Notice I said still because I have taken action once on trying to remove them I was told that the account would be deleted but they are not.
Complaint sub-issue: Information belongs to someone else

THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ITEMS MUST BE REMOVED IN 4DAYS 15 USC 1681C-2, these accounts are not mine and I never lived nor received emails in the addressesreported. Also, I believe I did not sign any paper authorizing the inquiries. XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$6000.00} XXXX XXXXXXXX XXXX Balance : {$1700.00} XXXXXXXX XXXX XXXXXXXX Balance : {$14000.00} XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.
Complaint sub-issue: Problem with personal statement of dispute

On XX/XX/2022 I requested that a statement be added to my credit file and that has not happened.
Complaint sub-issue: Problem with personal statement of dispute

Id like to file a formal complaint against CitiBanks Best Buy Credit card. 

This past month ( XX/XX/XXXX ) my husband and I applied for a equity line of credit from our bank. I was told my credit score was to low to be approved for a loan because of a closed Best Buy from Citibank credit card. 

I contacted Best Buy immediately to find out what this was about. They told me that in XX/XX/XXXX a charge for {$19.00} was made on the credit card and not paid, so the account was closed in XX/XX/XXXX and reported to the credit bureaus as delinquent. 

Here is the background on the BB credit card. 

My husband and I were purchasing a lot of items from BB in XXXX of XXXX. BB persuaded me to open a BB credit card account in XXXX of XXXX to take advantage of an offer ( a BB gift card for {$300.00} ). My Credit score at that time was around XXXX so I was approved immediately for the card. I was set up with daily promo Emails from best buy and electronic statements. 

I purchased several items on the BB card for over {$3000.00} and paid it off in full on the due date XX/XX/XXXX. 

Unbeknownst to me my husband purchased something in XX/XX/XXXX for {$19.00} on the credit card. 

The BB statements were coming via email along with daily BB promo emails. I thought they were all promo emails so never opened them. 

No one from Best Buy/Citibank reached me by phone nor did I ever get anything in the mail about this {$19.00} charge. 

After being denied the equity line of credit I called Best Buy and spoke with XXXX said she would contact Citibank on my behalf to resolve the situation. 

XXXX contacted CitiBank 's XXXX XXXX ( XXXX ) who told us it doesn't matter the circumstance or that the charge is {$5.00} or {$5000.00}. The {$19.00} was not paid and the account was closed. They will not allow me to pay the charge nor will they removed the delinquent status to the credit bureaus. 

XXXX of Citibank 's only communication with her was phone, fax or regular US mail, No email. Yet Citibank 's only contact with me about the Best Buy statement was via email which was lost among the hundreds of emails from BB. 

I have asked XXXX XXXX of CitiBank with out success to please allow me to pay the {$19.00} charge and for them to remove your negative reporting from the Credit Bureaus. 

I called one of the credit bureaus and they said the negative report from Citibank will remain on my Credit report for 7 Years. 

My combined credit available to me is $ 70,000+. We typically owe less than 10 % of that each month. I pay off ALL our credit cards in full every month and have done so since getting my first credit card at XXXX years old. 

Please note this complaint against Citibank, ask them to allow me to pay the {$19.00} charge and remove the negative report from my credit history. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I pulled my credit to myself for the first time in 2 years 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. CHAPTERXXXXBANKRUPTCYDISCHARGEDXXXX
Complaint sub-issue: Account status incorrect

The Student Loan Listed as : XXXX XXXX Date Open XX/XX/XXXX is reporting 60 and 90  days late in the months of XX/XX/XXXX and XX/XX/XXXX which is incorrect I never made a payment during this time because I did not have to as I was still in school I had started attending XXXX School at XXXX University and would not have been able to secure Financial Aid during this time had that been defaulted. I have requested between all three credit agencies XXXX, Equifax, and XXXX to delete just this one closed : Paid in Full status account and I have been ignored multiple times it is reporting inaccurately and effecting my Credit Report and ability to secure funding for anything additionally if I needed to.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : DEPT OF ED/XXXX XXXXXXXX Balance : {$3100.00} ; DEPT OF ED/XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$44000.00}
Complaint sub-issue: Report provided to employer without your written authorization

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX protected consumer rights to privacy and confidentiality under 15 USC 1681.

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.
Complaint sub-issue: Reporting company used your report improperly

Due to gross negligence ( improper password protection ) Equifax let their system get hacked. They did not disclose this information in a timely manner allowing more time before I could place a fraud alert on my credit and protect my personal information. Consumer were informed of the breach on XXXX/XXXX/XXXX however the actual breach occurred from mid XXXX to mid XXXX. This breach exposed my social security number, credit card information, personal address, date of birth, and drivers license number. I have reached out to the company but their phone lines keep dropping calls. The company has not done anything to rectify the situation, they do not even know whose information was stolen and the website they have set up randomly tells you if you may or may not have been affected.
Complaint sub-issue: Banking errors

I own a commercial building and previously banked with PNC. 
My tenant inadvertently sent the rent to PNC bank XXXX, but we had changed banks, closed the PNC accounts, and notified the tenant. 

PNC cashed the checks totaling almost {$7000.00} and held the money for several months. They now claim the funds were returned, but XXXX XXXX, who originally issued the checks, has provided documentation of the cashed checks and the account debits, and has no record of the funds being returned. After 4 months and numerous phone calls emails faxes etc, PNC has still not provided acceptable documentation of the funds.
Complaint sub-issue: Information belongs to someone else

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC
Complaint sub-issue: Account opened as a result of fraud

How are you, I am going to appeal the finance department of Citi bank customer service, I should receive {$400.00} for new checking and saving account opening based on their promotion, but Citi bank does not honor promise ( case XXXX : The requirement is to deposit {$150000.00} to the new eligible checking account within 30 days of the account opening ). I opened a checking and citi saving account at XX/XX/19, as same time I provided my personal account info ( from XXXX XXXX  ) for transfer {$16000.00} to CITI Bank, but within 30 days they didnt do it, regarding this I called them more than 10 times ; they did apologize for their error that caused to transfer the fund late. Due to their mistake, CITI Bank should give me bonus {$400.00}, but they denied. And they do not want to solve problem. Even when I made call, they immediately dropped out the customer service line for 3 times. I hope that you can get involved and solve my problems as well.
Complaint sub-issue: Public record information inaccurate

To whom it may concern, On a recent review of my credit report, I discovered XXXX Bank reporting the charged off accounts referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its 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 a 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 charge off account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.
Complaint sub-issue: Account status incorrect

Its saying that my student loan ( PHEAA ) thats being shown on my credit score has increased from a possible missed payment. Its stating that between XX/XX/XXXX to XXXX XXXX I had a balance increase of {$22.00} from {$5500.00} to {$5500.00}. Also and increase of {$18.00} from {$4900.00} to {$4900.00}. Also, its showing between XX/XX/XXXX and XX/XX/XXXX and increase by {$22.00} from {$5500.00} to {$5500.00}. Between XX/XX/XXXX and XXXX XXXX and increase by {$17.00} from {$4900.00} to {$4900.00}. This is false! My student loans have been cleared on my credit report. I dont have any missed payments on my student loans and iam in good standing with my creditors. This is a mistake and it has brought my credit score down 22pts. I called the creditor to verify if I was late on a payment and they said I didnt have one scheduled until XXXX. I still made a payment of {$10.00} on XX/XX/XXXX just To be sure that I made a payment. My confirmation number for this is XXXX This was originally PHEAA WHICH IS SHOWING UP ON MY CREDIT PROFILE but, my loans been transferred to XXXX XXXX and aes XXXX which are now In charge of collecting my debt. Im not behind on any of my student loan payments, so, why is this showing up on my account an now, has brought my credit score down 22pts? Please correct this problem. My creditor for PHEAA IS XXXX AND YOU CAN CONTACT THEM BY MAIL OR NUMBER. XXXX-XXXX-XXXX  address department of education XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX If theres another creditor thats showing up for any other student loan, that shouldnt be since my account has been cleared of student loan payments, it would be from AES. A confirmation number for them will be XXXX. Their contact information is as follows. Number XXXX-XXXX-XXXX  address American Education services XXXX XXXX XXXX XXXX, MD XXXX Both of these accounts are up to date an shouldnt be in delinquency or in a negative balance. I havent missed any payments and I have confirmation numbers of me calling my creditors to verify this issue. They both said Im up to date and in good standing with them. I have no late payments or missed payments that I havent already payed for! Please correct this issue and take this off of my credit report. It has dropped my score down tremendously. Thanks again credit karma for all the help in correcting my depts. 

Ps : I didnt attach my account info or name or address to the papers Im sending because I dont want to give out my personal information if I dont have to. If you need anything else from me I can be contacted through my email XXXX or cell XXXX-XXXX-XXXX
Complaint sub-issue: Called before 8am or after 9pm

I am a co-signer on an auto-loan that is through PNC bank. If the loan is one day late they will start calling and harassing for payment. The loan is not even 15 days late this month and they have called 3 times this month before XXXX XXXX. They called today and the payment is processing in their system. I live on the west coast and the individual responsible for paying lives on the east. They have called me Saturday XX/XX/XXXX at XXXX XXXX, Tuesday XX/XX/XXXX at XXXX XXXX, and Friday XX/XX/XXXX at XXXX XXXX. Numerous times I have told them I live on the west coast and gave them my address. We have even had them change the primary contact to the individual who makes the payments in Florida and it never sticks in there system.
Complaint sub-issue: Reporting company used your report improperly

Equifax leaked my info in one if the largest leaks of its kind. It seems my SSN and other info was stored in PLAIN text. This security breach was 100 % avoidable with proper security practices including salted hashes which it seems were not employed.
Complaint sub-issue: Problem getting your free annual credit report

I attempted to check my credit reports on XXXX and on the identity verification page, I was asked questions in which all the responses did not relate to me. For example, it asked me to verify which address I've lived in and all 4 options were not my address. I proceeded to put on " none of the above '' for all the questions and was denied my credit report access.
Complaint sub-issue: Reporting company used your report improperly

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Complaint sub-issue: Account information incorrect

Hello and to whom this message may concern, The credit bureaus ; XXXX, XXXX, & Equifax stated my account was properly investigated but how is that possible if across my credit reports I still have inaccuracies : Personal Information - x XXXX inaccurate errors - Spelling of Name - Also Known As - Date of Birth - Current Address - Previous Address Debt Collection Agency XXXX XXXX CO XXXX x XXXX inaccurate errors - Account Type Detail - Monthly Payment - Balance - No. of Months ( terms ) - Past Due - Payment Status - Last Reported - Comments - Date Last Active - Date of Last Payment - XXXX Year Payment History ( XX/XX/XXXX - XX/XX/XXXX ) This is grounds for liability and/or removal. 

I wanted to reach out and get support for a remedy. These actions have stifled my ability to purchase a home and created multiple instances of inaccurate and defamatory account reporting against me. Every month from XX/XX/XXXX up to the present, I have been contacted by this debt collector and none of the bureaus supported my equitable action as required by law and use of diplomatic request to remove the inaccurate information being reported on my credit report. 

XXXX has been aware of this dispute regarding the accuracy of this information since XX/XX/XXXX at XXXX PM with XXXX tracking # XXXX. 

XXXX received the notice of personal information update from me on XX/XX/XXXX at XXXX PM with XXXX tracking number # XXXX. 

Equifax received the notice of personal information update on XX/XX/XXXX at XXXX PM with XXXX tracking number # XXXX. 

I have not received any information back from the agency or any of the bureaus regarding this. In the included PDF is evidence that I had made the effort to resolve this issue on my credit report without undue stress or drama but this XXXX XXXX CO or the credit bureaus have yet to follow the law! I'm reaching out to you for help because I understand that you can assist me in this matter.
Complaint sub-issue: Card was charged for something you did not purchase with the card

Attempted to call customer service on XX/XX/2019, two hours later, I am still waiting for a customer service clerk to call me back. By way of this complaint, card ending in XXXX was lost and I just noticed it today. Additionally, charge for {$430.00} on XX/XX/2019 is a fraudulent charge based on my lost card.
Complaint sub-issue: Problem lowering your monthly payments

For the year of XXXX, I was on an income based repayment plan for my student loans from law school. I was paying {$130.00} per month, which was very manageable. 

When I went to recertify my IBR in XX/XX/XXXX, the website on which to recertify was not working. This website was myfedloan.org. Due to the website being down, I had to submit my recertification late. 

I have called and called and called and called, several times, over the past few months, and have never gotten a response from the contact number listed on myfedloan.org. I am either put on hold, only to be hung up on ; or when I press the number that will have them call me back, they never do. 

All of this has caused my monthly payments to jump from {$130.00} per month to {$1400.00} per month. I can not afford to pay {$1400.00} this month. 

Furthermore, when I was finally able to get my IBR recertified, my new income-based repayment was calculated to be {$450.00} per month, starting next month ( XX/XX/XXXX ). This is a {$300.00} increase from my original payment schedule. 

I can not afford to pay {$1400.00} this month, nor can I afford to pay {$450.00} next month. I wish to have my payments returned to {$130.00}.
Complaint sub-issue: Their investigation did not fix an error on your report

I received a message saying that I would be approved for new credit cards. I signed in and noticed there was a XXXX XXXX XXXX card. It said that if I was not approved, I would receive XXXX dollars. I applied but was not approved. 


XXXX XXXX has wasted over 2 weeks saying they are researching. Now they are saying that I am not eligible because I applied for the same card. I did not. My card with XXXX XXXX is an XXXX. It was already showing on my Credit Karma account BEFORE the XXXX dollar offer. I feel like Credit Karma might be running a scam but it is not helping my credit when I get turned down. I would NOT have applied if I thought I would be denied.
Complaint sub-issue: Their investigation did not fix an error on your report

There are alledge inquiries showing on my report. For which I do not recognize Pursuant FCRA 604 I am demanding the removal of the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020
Complaint sub-issue: Information belongs to someone else

Please help me. I recently reported a fraudulent account to the FTC and I am now submitting this complaint so that this account can be removed from my report. I am trying to pursue a new business venture and this account is really hurting my report. Please remove it as per section 605 of the FCRA. This account must be blocked and removed within 4 days of receipt of this dispute.