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

We were charged {$1000.00} on XX/XX/XXXX at the XXXX store on XXXX XXXX in XXXX, NH. The credit card company refuses to acknowledge that this was fraud. They can't tell us what was purchased for that amount. They never fully investigated the charge. They refuse to help us because they say that it was us because the credit card never left our possession. Obviously there was a skimmer or some other way the thief was able to get our number. The credit card company denies that a charge can be made without physical possession of a card. 
We have been stellar consumers with this company for more than 22 years. 
We are both in our XXXX on XXXX and there is no way we would charge that large an amount as we both have prescription insurance. Also, the credit card company never communicated with us about that large and unusual charge, they just let it go through. 
They have denied our claim based on the fact that the credit card never left our possession. We are out that money now. I need to know how we can fight this judgment. They wouldn't reopen this dispute. Earlier in the day I had charged {$17.00} at that store. 
I can prove I wasn't even in the vicinity of this store when this bogus charge appeared.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship.Even though its an identity theft claim, a 30 day re-investigation process is required. In the event that Equifax decided not to block the tradelines identified as identity theft, Section ( c ) of FCRA 605B ( 15 U.S.C. 1681c-2 ) would apply. Please be advised that Equifax, at this time, will not block the information subject to the Submitted identity theft and/or police report you provided as part of your dispute. We are contacting each creditor directly to verify the account/s on your behalf ''. Equifax made its decision not to block items identified as fraud/heft. No reason was provided. A blatant disregard to the FRCA Section 605 ( b ).  Provided the Following A copy of Police Report A copy of my credit report I received from your company. The fraudulent items are Listed. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B/609E of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
All proof of respondents and faxes. 
And responses
Complaint sub-issue: Problem with customer service

I have requested a refund from Nelnet under the " Cares Act '' over a month and a half ago. I have had to call Nelnet daily to get information and updates about my refund being processed and mailed to me with a check. Each time I talk to a representatives I get different answers and when I state that another representative gave me different information, they say that they were wrong and the new rep is right. I need solid answers as this is important to me. I dont need the run around. I need to know when my check is going to arrive at my address.
Complaint sub-issue: Overdrafts and overdraft fees

My BB & T checking account is negative because of some fraud and authorized transactions. The fraud transaction have been credit back, but not the overdraft fees associated with it and my account is still negative because of a merchant who has informed me to do a charge back with the bank and the bank has yet to honor this charge back causing my account to continue to be negative and occur more daily fees because of it negative balance. A place an order around XXXX time with a company named, " XXXX '', the initial order was cancelled because my bank blocked and I had to verify who i was and that it was me placing this order ... i did just that and the order was approved for processing with the merchant. Now days into the order being processed with the merchant, they wanted me to verify my identity with them and i did just that sending in copies of my id, bill, proof of address. The merchant then informed they were gon na cancel the order ( I 'm lost at this point ) Days go by XXXX is approaching ... The merchant without any notification to me says my order was shipped then i get a notifcation that it was signed for. Now I dont know if they actually sent the order out but now i open a claim with both the merchant, my bank and XXXX  post/usps .... Everyone has concluded their investigation and the merchant has informed to do a chargeback with my bank .... The bank is now telling me I have to wait 29 more days and accumulate XXXX dollars a day in overdraft fees assessed daily ... ... .. this is not fair to me ... ... ..
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. 
XXXX XXXX # XXXX, XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Information is not mine

XXXX is showing as a hard inquiry on my report, but I do not have an account with them and did not apply for one. I also did not recieve a letter. I am requesting that this hard inquiry be removed from all 3 credit reports.
Complaint sub-issue: Company closed your account

There was a fraudulent checking opened with the bank that was subsequently mishandled, overdrawn, and closed as a result of ID Theft. I have contacted the bank on multiple occasions to let them know that this account was opened fraudulently and they refuse to do anything to help me. The last written affidavit I sent in I attached a copy of my social security card as proof of ID, and they updated the social on the checking account to reflect what was on my card, as the account was opened with a variation of my social security number. These accounts are now reporting to major reporting bureaus and have caused my accounts elsewhere to be closed.
Complaint sub-issue: Their investigation did not fix an error on your report

Between, XXXX XXXX and XXXX is a violation act of the FDRA Reporting inaccurate date last active or last payment are not the same in each credit bureau
Complaint sub-issue: Information is missing that should be on the report

XXXX XXXX XXXX XXXX XXXX XXXX, Oh, XXXX XX/XX/1982 XXXX XXXX I am filing a complaint about missing accounts that are not showing on my credit report. I have a XXXX and XXXX XXXX  And XXXX XXXX that are not showing on my credit report.
Complaint sub-issue: Information belongs to someone else

I have fraudulent inquiries on my credit report that I request be removed under the FCRA. I have attached proof of my Identity, address, and Identity theft report.
Complaint sub-issue: Unable to receive car title or other problem after the loan is paid off

I bought out the lease for a XXXX XXXX XXXX in XXXX, XXXX and I have still not been able to get US Bank to release the title to me. I have been to the DMV in my state and they said that US Bank has had the title since XXXX. I have a bill of sale and a copy of the title but no actual title. I have carried insurance on the vehicle to protect my investment but can not drive the car. I call every week and I get no where in resolving this matter.
Complaint sub-issue: Was not notified of investigation status or results

if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter.
Complaint sub-issue: Reporting company used your report improperly

This is in reference to the consumer report sent by your company via electronic form through Equifax, XXXX and XXXX. While checking the above report, it came to my notice that your company has furnished an account on my report. 

According to 15 USC 1692a ( 2 ) the term XXXX means that conveying of information regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the consumer report { bearing information regarding the alleged debt } by the company will amount to communication as per Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing your formal notice to cease any further communications regarding this account immediately. 
This includes but not limited to telephone calls, emails, social media, or any consumer reporting agency. 

Any further contact by your agent or company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 


Thank you for your cooperation
Complaint sub-issue: Information belongs to someone else

I just check my credit through XXXX  's website and i noticed a few fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX, equifax and XXXX, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from XXXX stating that my information was on the dark web. I was also affected by the equifax breach. I have attached the identity theft report along with my social and drivers license.
Complaint sub-issue: Their investigation did not fix an error on your report

I have submitted a request to delete some items from my credit report to Equifax via certified mail. It has been over a month. These items resulted in identity theft from creditors that I do not know about. I was also a victim of their very own data breach. 

The accounts that are fraudulent and I have even filed a police report for are the items below. 

XXXX XXXX XXXX XXXX XXXX XXXX I sent in a notarized affidavit stating that these items are not mine. ACCORDING TO THE FCRA 605 B, EQUIFAX IS SUPPOSED TO BLOCK THESE ITEMS WITHIN 4 BUSINESS DAYS. WHY IS IT THAT EQUIFAX IS THE ONLY ONE BREAKING THE LAW. XXXX  AND XXXX  COMPLIED BUT WHY ARE THEY TAKING IT UPON THEMSELVES TO VERIFY A FRAUDULENT DEBT. THIS IS ILLEGAL AND VIOLATES MY RIGHTS AND VOICE IN THIS MANNER According to the FCRA 605 B ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Complaint sub-issue: Information is not mine

Equifax has not removed false credit items from my credit score. The false items have been disputed and settled.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX account number 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 customer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Information belongs to someone else

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE, THE ITEMS I NEED TO DELETE ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THIS ITEM FROM MY FILE TO CORRECT MY CREDIT REPORT. I ALSO REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSION & ENCLOSED COPIES OF THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. REMOVE THIS ITEM IMMEDIATELY OR MY ATTORNEY WILL BE INVOLVED! THIS INFORMATION IS ENTIRELY INACCURATE AND INCOMPLETE AND AS SUCH REPRESENTS A VERY SERIOUS ERROR IN YOUR REPORTING!!
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Equifax consumer reporting agency will not provide me with information about proof of an investigation into a late payment reported on a closed account I had with XXXX, Account # XXXX on XXXX of XXXX. I've contacted XXXX directly and they've also advised me that I've never had a late payment while my account was open from XXXX up until it closed. I am being denied credit that I know I am eligible for due to Equifax reporting inaccurate information. Please help.
Complaint sub-issue: Information belongs to someone else

Account Name XXXX XXXX XXXX XXXX XXXX  Account Number XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX TX XXXX, TX XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} XXXX XXXX {$300.00} Highest Balance {$340.00} Terms NA Account Name XXXX XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} XXXX XXXX {$300.00} Highest Balance {$340.00} Terms NA Payment History Account Name XXXX XXXX Account Number XXXX Account Type Auto Loan Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Original Balance {$33000.00} Highest Balance {$0.00} Terms XXXX Months FCRA violations see attachment for proof of why my inaccurate accounts
Complaint sub-issue: Investigation took more than 30 days

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Complaint sub-issue: Problem with personal statement of dispute

I sent a notarized document and a copy of my social security card and ID both which are federal and state identification to Equifax and received a response stating I didn't provide ID or my address. With the notary itself, I was required to have ID just to get it signed and stamped at my bank. I believe this is a stall to delay them from reviewing my request. I am sure I am not the only one this has happened to before.
Complaint sub-issue: Received bad information about your loan

Issues regarding total disability discharge. There is a conflict of interest as the Department of Education has contracted the review process for the total disability discharge to a student loan provider, Nelnet. 
They are also my loan servicer and told me I could not apply and my circumstances didnt quality ( which was wrong information ). 
I can't contact anyone at the Depr of Education, or someone " neutral '' to ask questions regarding their answers ( which is incorrect ). How can I trust they will follow the law and I'm not being denied merely because they hold some of my loans? 

I can't reach the Department of Education, all numbers I've tried redirect me to private third party " certified consultants '' who tell me to go on the Dept of Education website for clarification.

Where is my protection and help from Nelent and why can't I contact anyone give me assistance in overseeing the clearly unethical behavior of Nelnet and the Department of Education?
Complaint sub-issue: Problem with fees

I have a Home Depot credit card issued by citi bank. I made a {$60.00} purchase and was 1 day late I received a {$35.00} late fee and was 1 day late in paying the late fee so I received another late fee this went on for months until it reached over {$200.00} in late fees I tried to call and resolve the issue and was told some fees would be waived but they were not. My credit score went from excellent to poor. I do not feel it is right that they can compound late fees and ruin my credit. It was also impossible to speak with anyone who could help. 

my name XXXX XXXX card # XXXX Phone # XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX there is no XXXX  party involved in the filing of this complaint and this complaint has not been made in error.
Complaint sub-issue: Account status incorrect

I have been an active responsible member of money lion since XX/XX/2019. Since then I have paid off 4 successful personal loans one of them being the personal loan they have marked as payment status derogatory and charged off as ifI never paid the loan but I did and have evidence I will be attaching on here. 

Since then they have approved me for several personal loans that I have made right, made payments on time and paid back all of my loans. I have repeatedly reached out for them to make this inaccurate report right because it's affecting my credit score when it should be helping me. 

Not only that but it's also making harder to get approved for other loans and higher interest rate that would help me further my life because I have shown through my payments and my continuous loans they have given me that I can be trusted, I am responsible however this inaccurate report does say that and its affecting my self esteem in feeling like I can help my family being a co-signer on auto loans that would help them out but this stopping me from even helping my family and that really hurts me emotionally.
Complaint sub-issue: Investigation took more than 30 days

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$640.00}, {$10000.00}, {$6500.00}, {$15000.00}, {$12000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXand the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$640.00} -This is not my account. 


-- CLOSED ACCOUNTS 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

4. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6500.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}, {$10000.00}, {$13000.00}, {$15000.00}, {$6200.00}, {$9000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 


-- XXXX XXXX 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9000.00} -This is not my account.
Complaint sub-issue: Can't decrease my monthly payments

I applied for a reduced payment plan two months ago and my servicer is yet to acknowledge it in writing. Whenever I call in they say the payment will be changed, but nothing ever happens.
Complaint sub-issue: Can't close your account

Called Citibank XX/XX/2021 to close account. Was informed that the account would be closed in 1 to 2 business days and a check mailed within 5-7 business days. Despite multiple calls to Citibank over the ensuing 2 weeks, the account still has not been closed. During subsequent calls different people provided time frames as long as 10-15 business days to get the account closed. As of today, XX/XX/2021 the account is still open.