Johnade/consumer_complaints_cfpb huggingface dataset:
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 {$4400.00}, {$16000.00}. 
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 ) -- OPEN ACCOUNT XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account. 


-- COLLECTION ACCOUNT XXXX. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account.
Complaint sub-issue: Reporting company used your report improperly

***To whom it may concern**** I have noticed that US BANCORP have placed an inquiry on my XXXX  credit file dated XX/XX/18. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to  inquire as to your alleged purpose, for doing so since I did not apply for employment with your organization nor did I request credit from your organization. XXXX report that you US BANCORP pulled a hard inquiry. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC? 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are {$1000.00}, whichever is greater ; ''
Complaint sub-issue: Problem during payment process

I mailed the payment to citibank on XXXX XX/XX/2021 they state they do not have it and on the back of the statement they state that if they get the mail by midnight they will post that day. They will not look into the payment until the check clears the bank. Payments have been extremely slow by mail to the KY and PA address they provide
Complaint sub-issue: Account status incorrect

Almost a year and 1/2 ago I contacted CITI CARDS/CITIBANK to let them know that I was sick due to XXXX and that my income was affected and I had no money to pay the card and that I needed to request XXXX assistance. They told me that I was two weeks too late to qualify for their XXXX Assistance Program. I also tried to explain to them that I had a lot of difficulting trying to get through to them on the phone for those two weeks. They said it was too late and that there was nothing that they can do to help me anymore. They closed my account and reported me ( 30 ) Days late for XXXX, XXXX, and XXXX XXXX. 

I disputed the late payments with XXXX sighting XXXX with no success. 

I continued to pay my card for the next 12-13 months on time and I just made the last payment of {$3000.00} to pay off the card on XX/XX/XXXX. I called CITI CARDS/CITIBANK today XXXX XX/XX/XXXX, asking them to please remove the late payments now that I paid off the card. They said there was nothing they can do to help me. 

Then I tried disputing the Late Payments with XXXX online today as well, it was automatically electronically rejected. The program said ; " Looks like you've already filed a dispute for this item Under Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act we won't process a duplicate dispute '' So, I called XXXX and an XXXX Dispute Specialists advise me to contact you on this, he said that if needed to contact them back if I had additional information and when calling, use Report # XXXX. 

I was told that this would stay on my credit report for an additional 5 or 6 years. I really need your help as this is and will continue to affect me and my family financially with higher interest rates on credit cards and loans. Can you please help me get these three ( 30 ) Day Late Payments off my credit report?
Complaint sub-issue: Other problem getting your report or credit score

On XX/XX/2019 I called to tell Equifax to remove the freeze I had put on last year when their system was hacked. They said I did not pass their security check. They asked me to fax my personal ID including my SS card and driver 's licence which I did immediately. I was told the process took 48 hrs. It is now 3 days later. I have called 4 times and they keep telling that they either a. have not received the fax or b.they have not entered my request into the system or c. It takes 7 to 10 days. Each time I call and go through their process I apparently do not answer the questions to their satisfaction. I suspect that they have wrong information. I tried ordering a copy of my credit report online but they refused. I am in the process of buying a house. This delay may destroy my ability to complete this purchase. Time is of the essence here! Please Help!
Complaint sub-issue: Received bad information about your loan

I am not sure if this is the appropriate menu choice for my concern. I have 3 student loans - two of which I have been repaying since XXXX. My employment since mid XXXX has been in PSLF qualifying positions with the exception of a few months. If it doesn't add up to 120 months, it is darn close. My concern is about these two old student loans, not my more recent loan for grad school. 

Due to confusion about PSLF and how the program worked, in addition to inconsistent information, I did not re-consolidate my loans to XXXX XXXX from XXXX XXXX till XXXX. I am hopeful that by the design of TEPSLF, I may qualify for forgiveness for these two older loans. I have emails documenting all of the  interactions described below. 

To date, I emailed TEPSLF to inquire about details and whether or not I may qualify - didn't want to waste their time or mine! I was effectively told to go away, apply for PSLF and be denied before they would engage me in any dialogue. 

I applied for PSLF around XX/XX/XXXX, and my application for some reason was converted to an ECF in the XXXX XXXX system. I re-applied for PSLF again XX/XX/XXXX, and was subsequently denied a few weeks later. I then promptly emailed TEPSLF per the instructions on the Department of Ed site, and the reply was that I was ineligible because I hadn't applied for PSLF and been denied. I then replied to this email and attached the denial letter from XXXXXXXX XXXX and asked that they reconsider this. 

I also called to inquire, and was told by the operator that since my loans pre-XXXX were not XXXX XXXX, I shouldn't be concerned - my loans hadn't been " the right kind '' so I wouldn't qualify for TEPSLF anyway. Besides, I had been paying on them for 6 years, so I only had 4 to go! In fact, my tally of qualifying payments is closer to just under 5 years per the XXXXXXXX XXXX evaluation from XX/XX/XXXX. I asked that I receive an official evaluation and documentation of my approval ( or expected denial, per her feedback ). At this point, I am awaiting feedback from my last TEPSLF email requesting reconsideration of my request and including the PSLF denial letter sent XX/XX/XXXX. 

As with many experiences with XXXX XXXX and XXXX XXXX I have found that if I speak or email 3 different representatives with the same concern, I get at least two different answers. This is still very frustrating, but expected at this point.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I DONT RECOGNIZE THE INFORMATION FROM DT CREDIT ... IT WASNT ME..PLEASE REMOVE INQUIRIES ... DATE IS XX/XX/2020 ... AND XX/XX/2020 XX/XX/2020
Complaint sub-issue: Account information incorrect

I reported the following accounts to all 3 credit bureaus : XXXX - {$1900.00} XXXX - {$1200.00} XXXX XXXX XXXX - {$2000.00} XXXX - {$180.00} XXXX - {$240.00} These accounts were reported on the following dates : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 Each letter I sent to the credit bureaus have been with no response. 

I sent letters exercising my rights to request identifying information about these accounts. I also sent letters to exercise my rights to request the method in which these accounts were verified. I have not received anything from the credit bureaus. I always allow sufficient time for my request to be investigated but they are never done.
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Complaint sub-issue: Fraudulent loan

I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Complaint sub-issue: Problem with fees

I have citi bank Credit card, It clearly states : To Avoid pay interest on purchase, you should pay balance by the due date, < However I paid full and they charge interest. Now they claim they can charge residual interest from previous month. This is misleading information. Either they need to change the wording or add line. It's not just me but so many customers have suffered. It should stop.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Credit Beaures are refuding to delete these inquiries due to IdentityTheft!! 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX I am attaching my identity theft report to prove it!!!
Complaint sub-issue: Problem making or receiving payments

So I have had to change my address 6 times so far with KeyBank, they keep alternating between two previous addresses. I notice usually when I try to enter my zip online to order something. They keep denying it but It keeps happening.
Complaint sub-issue: Can't close your account

I received checks in the mail from E trade financial.I do not have or never had any type of account with them.Hackers? What should I do?
Complaint sub-issue: Don't agree with the fees charged

My automatic monthly payment was withdrawn from my checking account and I was charged an unavailable funds fee despite there being more than sufficient funds in my account to cover the charges. My bank did not charge me an overdraft fee, but the loan servicer charged a fee as if the account was overdrawn and they could not collect the scheduled payment, despite collecting the payment in full. I would like the additional charge to be refunded to my account, as the loan servicer clearly charged it when there was no cause to do so.
Complaint sub-issue: Debt is not yours

This was an account that was opened in my name by my son without my knowledge. Please remove this item off of my credit report immediately before i pursue further action.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I had filed XXXX separate disputes with best buy/citi group XXXX The first one was over the phone in XXXX of XXXX and the second was online in XXXX of XXXX. The phone dispute i received no official resolution on and kept paying my bill through the process. The online dispute was denied and i was provided with no proof of denial. They stated in the denial letter that they had evidence that the purchases were made and they were not fraudulent which is not possible as they were not purchased by me. A letter was then sent into the company asking for the proof and evidence to deny the claim and we heard nothing back. At that point we stopped making payments on the credit card as we felt upwards of XXXX dollars was not purchased by us. Then the balance increase from apr rates kept increasing. We felt that we were making payment at this point on purchases not made by us and on interest that kept going up based on purchases not made by us. The next time we heard from them was when we received a letter that our account was closed and that they were threatening legal action unless we made payment. We are willing to make payments on what is actually our balance, but again best buy/citi group has provided no evidence or proof of what is ours and what was fraudulently purchased. We are willing to go to court to defend ourselves against the fraudulent charges. Again we are willing to work with best buy on this matter but we will not make payments on a XXXX balance on our account that is not ours.
Complaint sub-issue: Reporting company used your report improperly

Equifax indicated they believe my personal information has been stolen as of XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

The IC System Inc. company reported a collection account in the Credit Report. This one comes from XXXX. The account number shown is XXXX. They allege that this server has an account with them in Nevada that was left unpaid. 

Currently this is affecting my credit ; and on several occasions I have asked IC Systems to send me evidence of this account. Which they haven't done. Or that they prove to that I am the person who owns the account. These allege that I apply for the same in Nevada. I have never lived in Nevada, much less applied for an account with Spectrum. 
I have been living in XXXX XXXX since I was born. 

I will be very grateful for anything you can help me with. My email address is : XXXX, my name ; is XXXX XXXX XXXX. 

I will be at your disposal for any question or doubt in this regard.
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 {$3700.00}, {$8700.00}, {$8000.00}.

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 XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3700.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8700.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account.
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: Didn't receive terms that were advertised

On XX/XX/2021, opened a new checking and saving account, in connection with a promotional offer where a {$300.00} opening account bonus was said to apply if a balance of {$15000.00} was deposited within 30 days and maintained for the next 60 days. The first condition was met on XX/XX/2021, and the second condition met on XX/XX/2021. Despite having met the requirements, the new account opening bonus has not been paid.
Complaint sub-issue: Debt is not yours

Fake company calling with with threats of legal action attempting to collect fake debt Enhanced Rec Co XXXX
Complaint sub-issue: Trouble with how payments are being handled

Went to NelNet website.
Logged in.
Made specific payment to   XXXX   XXXX  .
Put {$1000.00} on   XXXX   XXXX   My {$1000.00} went to ALL   XXXX   loans   XXXX   XXXX  .
Called, dialed 0 to bypass robot answering, got   XXXX    woman.
 XXXX  woman denied fixing the problem. Denied it went to all loans. Denied me talking to higher up personnel. Assured me I could fix problem myself. Assured me I made the mistake. Told me to have a nice day. Phone conversation ended.
<P/>
Why ca n't I pay on specific groups as I have selected?!
I want this issue fixed now.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

According to the agreement signed with Terms Code 0913, Citi Bank N.A. has been obligated to respect the right of customers when dissatisfied with the credit card purchases. To use this right, only three terms must have been true. It is noted that if all of the three criteria are met and the customer is still dissatisfied with the purchase can address the XXXX XXXX XXXX to investigate. It is also noted that XXXX XXXX XXXX has been obligated to disclose the result of their investigations in a limited period of time to the customer. 
In my case, I presented my dissatisfaction with my purchases from Best Buy while respecting all of those three criteria to the XXXX XXXX XXXX and requested for the investigation needed. The XXXX XXXX XXXX refused to exert the required investigation. They wrongfully referred me to the lapse of time when a customer has found a mistake on his/her monthly statement that has nothing to do with the dissatisfaction of the purchases done. 
XXXX XXXX XXXX has been trying to give me knowingly false information. They prevaricated and avoided doing something that they should do. 
Due to the breach of contract from the XXXX XXXX XXXX side, I have suffered a lot of emotional distresses and their conduct has been detrimental to me for tone of dollars that must be compensated in addition to the specific performance that Best Buy company has to perform.
Complaint sub-issue: Other problem getting your report or credit score

I have had many issues with Equifax and their credit reporting errors and issues. I am never able to request a free copy of my credit report because each time that I attempt to Equifax has me send them proof of identity. Then, each time that I do so there still continues to be errors or issues either preventing my access to MY credit profile with their company and the right to file a dispute of erroneous information due to these continuous roadblock tactics. Today, I attempted to begin a dispute on an account that has since been deleted with other bureaus for inaccuracy, yet was told I have a NH ( no hit ) credit profile. This meaning that I don't have a credit profile at all, which can't be true if I check my Equifax credit profile and am able to see all of current credit accounts, along with ones that are inaccurate and fraudulent. The account in questions is XXXX XXXX XXXX for a XXXX XXXX account that I never owned, nor was ever contacted by them about opened in XXXX of XXXX, without my knowledge and then appeared on my credit report out of nowhere in XXXX of this year ( XXXX ). I have disputed it with other credit bureaus and it has since been deleted. However, am unable to do so with Equifax due to their constant credit profile roadblock tactics.
Complaint sub-issue: Didn't receive notice of right to dispute

XXXX XXXX XXXX XXXXXXXX / {$0.00} XXXX XXXX XXXX / {$730.00} XXXX XXXX XXXX XXXX / {$1500.00} XXXX / XXXX / {$0.00} XXXX XXXX  XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXXXXXX - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the XXXXbusiness-day period beginning on the adate on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( XXXX ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( XXXX ) and before the end of the period referred to in paragraph ( XXXX ) ( XXXX ).
Complaint sub-issue: Their investigation did not fix an error on your report

Discover Card is showing they have loaned money to me on two separate accounts. When I confront them about proof they loan money from their own funds, they can not answer questions. Ive sent them questions, waiting for someone with first hand knowledge to answer. Unfortunately I assume they do not have the answer or they are hiding information from me. These question would assure a few different points. One, Discover card made a legal loan from their own fund and they are untitled to collect. Two, when making this alleged loan they complied with the Truth and Lending Act. Three, it would show the real ledgers of the account for proof of what happen in the back ground of this alleged loan.
Complaint sub-issue: Sued you without properly notifying you of lawsuit

XXXX XXXX gave an account to London and London and they sued me and sent the information to my job by court orders and they are ganishing my account after me disputing this years ago, I was not notify it went straight to my employer for wages garnish
Complaint sub-issue: Investigation took more than 30 days

XXXX XXXX XXXX XXXX is trying to collect on an unknown debt and has not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter on XX/XX/2020 demanding payment. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from the credit bureaus after requesting a REINVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation. This negative account in the amount of {$3700.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCPA.
Complaint sub-issue: Information belongs to someone else

I XXXX XXXX performed a full credit report and I notice a couple fraudulent accounts reporting on my credit report.I never did business with any of these companies and I also noticed wrong addresses I never resided.I also received information it was data breach and my information was found on XXXX XXXXXXXX XXXX  images are attached. Identity report are also attached. The accounts that are fraudulent are 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

How many letters do I have to send to the Credit Bureaus for them to finally take action and correct the information that the disputed account reports on my Credit Report? I have been disputing the accuracy and validity of the information these accounts report on my Credit File with by sending dispute letters to them hoping that the Credit Bureaus would turn their heads and comply with my requests. The last letter I sent to the Credit Bureuas was dated XX/XX/XXXX and I have not received anything from them which is considerable as a response. I am willing to pursue legal action and sue the Credit Bureaus for their willful non-compliance of the FCRA statute. I am submitting this complaint to protect my rights. I need the following accounts be correcred from my Credit File in order to report accurate only information ; 1. XXXX XXXX Balance {$1100.00} Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX Balance {$170.00} Date opened XX/XX/XXXX 3. XXXX XXXX XXXX Balance {$0.00} Date opened XX/XX/XXXX XXXX