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

I dispute a charge made for on XXXX XXXX on my citibank credit card because I never received item.On XXXX Item was damaged when driver came to deliver item was sideways no upright and dent and scratches etc. I called seller they said don't accept it because of damage and they did not ship it sideways like in Pictures I sent them. They emailed me stating they issued a full refund. On XXXX I called citibank told them situation about no getting a a refund for XXXX customer service instructed me to contact seller again to get refund and if they do not call back and open a dispute. I called seller they said sorry about refund and they will process it and they don't know why it didn't get processed earlier.. after waiting for refund and not receiving it I called citibank and made dispute stating I never received item because it was damaged. I sent them proof that I did not accept item because of damage and Pictures showing item sideways on pallet with damage. So I was charge of item that I never took possession of and sent proof to citibank of item not accepted because of damaged from shipping company bill of landing and Pictures showing item sideways. I thought there was credit card protection from things like this.if you need any more information Pictures and proof I did not receive item I can email it to you
Complaint sub-issue: Information is not mine

This company called Clarity has obtained my social security number and submitted repeated inquries that are showing up on my XXXX report and making it hard for me to open a bank account. I have never given this company permission to do anything. I want all inquiries from this company removed from XXXX.
Complaint sub-issue: Received bad information about your loan

I was having trouble making payments on my student loans and was contacted in XX/XX/XXXX by nelnet who informed me I could have a economic hardship deferment because I was working at a non profit. After discussing this with them on the phone I was made to believe I had received this and moved on thinking I had time to get my finances in order before paying back my student loans. 
Later in XX/XX/XXXX I was looking through an older email account of mine when I saw an email from them asking if I was interested in forbearance which i was confused by because my account was supposed to be already deferred. It said to reply yes to this email if you want forbearance so I did but was confused why I would need to. I received the same email again in XX/XX/XXXX. and replied yes again and was growing more confused but figured my account was already deferred so it was n't a big deal. 
When I recently checked my credit score I saw that it had dropped by a large amount and when I looked to see why it showed my student loans had been late for many months after I said yes to the deferment. 
I contacted Nelnet XX/XX/XXXX and told them about the call where I was told I had received a hardship deferment and the email replies. Regarding the first email I sent I was told that there must have been a problem with their technology because they just received my final email on forbearance. When I asked about the call I had with them where I was told I had a deferment they said they sent me a form in regards to the hardship which was never mentioned on the call where i said yes to taking the deferment. 
When I asked what could be done to address this situation they said I am on forbearance now so nothing is currently due however this does nothing to help with the damage done to my credit. When I asked what could be done to address the damage caused to my credit by the fact I was allowed to believe I had a deferment and my loans had gone unpaid they blew me off and said they would submit a complaint but it would n't lead to anything. I find this particularly frustrating because they pushed me to take the deferment and forbearance and admitted to at least with the email it being their technologies fault but say they ca n't remove the damage done by their mistakes from my credit.
Complaint sub-issue: Debt was result of identity theft

I have repeatedly disputed the JEFFERSON CAPITAL SYSTEMS attempted debt collection of {$320.00} on a XXXX XXXX XXXX  account. I have no knowledge of this account and believe it was opened fraudulently by an ex-spouse. The collections account shows charge-offs starting in XX/XX/XXXX and each time I've disputed the account ; I receive the same answer " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). Re-investigation Information : This item was updated from our processing of your dispute in XXXX XXXX. ". This account is not mine and I've never used this account or obtained any gains from this account. I have also never received a statement or have any other knowledge on the nature of the account.
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 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  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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than 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 has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Transaction was not authorized

On XX/XX/XXXX i noticed my phone and wallet had went missing and XXXX next couple days as i contacted all my cards and everything i lovged in and seen a charge for the amount of {$1000.00} dollars from a merchant called XXXX XXXX  i did not make this charge i reported it to the authorities as well thr company cash app and they said the dispute was denied but this is wrong!! My pin number and everything were on the corner of the back in XXXX  because i would forget please belp me with this situafion i can not afford to lose that much money and i dont know if i need to get a lawyer or not.
Complaint sub-issue: Trouble with how payments are being handled

My servicer for my federal loans is ( XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX, XXXX ). I am enrolled in automatic debit by FedLoan Servicing for my student loans. I am enrolled in an Income-Based Repayment plan. I am also enrolled the Public Service Loan Forgiveness ( PSLF ) program. According to the PSLF program, after I make 120 payments ( 10 years ), then my federal loans will be forgiven. Last year, I enrolled in graduate school, and unbeknownst to me, XXXX XXXX placed my loans in deferment. I never consented to this, and I would have never authorized it if someone at XXXX XXXX had attempted to contact me. As a result of my loans being placed in deferment, I have lost out on ~12 payments into the Public Service Loan Forgiveness program. I complained to XXXX what has happened, and they have sent me documentation with many inaccuracies ( from XXXX XXXX XXXX initials XXXX  XXXX ). First, they claimed that they contacted me regarding placing my payments in deferment. I do not have any such documentation from them regarding this. Second, they claim that they are " required '' to place my loans in deferment if I am enrolled in school at least part time. These federal " guidelines '' state that my loans " may receive a deferment ... if your servicer receives information from the school you are attending that indicates you are enrolled at least part time. If your servicer processes a deferment based on information received from your school, you will be notified of the deferment and will have the option of canceling the deferment and continuing to make payments on your loan. '' Again, this is not a " requirement '' and I was not notified of this.
Complaint sub-issue: Don't want a card provided by your employer or the government

I received a U.S. Bank ReliaCard debit card in the mail. I have not been able to contact the U.S. Bank ReliaCard division, as they do not answer the phones. The card seems to be related to unemployment benefits ; however, I am not unemployed, nor did I apply for this card. My name on the card is spelled incorrectly. I contacted U.S. Bank and was told the ReliaCard is under a different division so they could not help me. They did not have the telephone number for ReliaCard as it is listed on the information I received. There seems to be some fraud taking place and I would like to sp eak to someone to have this resolved.
Complaint sub-issue: Reporting company used your report improperly

After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXXXXXX XXXX XXXX, Account Number : XXXX Account Name : XXXX XXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the account number is inaccurate, the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, the date last payment is inaccurate and the date last reported is inaccurate, therefore these accounts must be removed asap, they also violated my rights under -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 -15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than 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 has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX 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: Deposits and withdrawals

I opened my account with PNC bank on XX/XX/XXXX and funded it with XXXX dollars. I never received a debit card. 

I called on XX/XX/XXXX and was told the only way to access my account was to have another debit card sent to me for a charge of {$7.00}, even though I never got a card. 

I then tired to close my account and was told it would cost {$25.00}. 

This is insane. They want me to pay them to access my own money.
Complaint sub-issue: Card was charged for something you did not purchase with the card

City Bank, for Best Buy ; this Company went into my checking account and took money out for a payment I did not authorize and they kept my banking information without my permission they stole money from me and my checking account was overdrawn for XXXX Dollars so they stole my information they need to be investigated for embezzlement and fraud.
Complaint sub-issue: Was not notified of investigation status or results

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

Pertaining to the Report Number : To Equifax Dispute Resolutions Team, This is to advice your company of a potential lawsuit pertaining to your scoring system. Attached is a credit file from yesterday, with no changes to the file with a score of XXXX, and today, here is a different score XXXX. <P/>There have been no changes other than positive reporting, and updated positive account information so there is no reason this score should have dramatically dropped in that manner. I wish not to get the Federal Government involved, but I take my credit very seriously. If you have an individual at your bureau, going into my file, and conducting illegal reporting, especially pertaining to my addresses and personal information, I will not hesitate to contact the proper authorities as I do not authorize such individuals to do such things. There have been no changes with the exception of positive reporting, and I would ask that your bureau do a thorough investigation into this matter, as I do not wish to file a lawsuit. My score is not XXXX. <P/>I also opened an investigation on XXXX XXXX XXXX more than 30 days ago, that has yet to be addressed and removed. The other bureaus have removed the fraud collection, but equifax took way too long to remove it. I am in the process of trying to rebuild what so many have tried to ruin, along with my credit, that I was able to salvage from all of the identity theft, and other criminal acts that are being investigated. <P/>I also had a huge concern pertaining to my personal data being released to people who had no authorization to view it, or obtain any information, sale or trade anything pertaining to myself on my credit file. I attached a protective order validating that fact. It seems as though someone within that bureau has been trying to manipulate my credit report and it 's scoring, and that is illegal. Please see the attached protective order requesting this bureau and the others, discontinue with the sharing of my address information publicly as it violates a legal Court Order.
<P/>
For Example, XXXX XXXX reported to the bureau that the account was up to date on the XXXX, and then on the XXXX as you can see, someone went into the bureau system, and possibly manually adjusted the account and stated it was 60 days past due with a balance of XXXX owing and it was n't. Someone went back into the system today, and adjusted it to say 30 days past due {$300.00} when the account is not past due.
Complaint sub-issue: Debt was paid

As a result of a drunk driver hitting our children and totaling our daughter 's truck the Insurance company paid their portion and Ally contacted our GAP Company, XXXX directly instead of allowing us to do it. XXXX paid the balance Ally provided and now Ally is sending us an additional balance which is accruing interest and the phone calls are incessant. 
First, why would Ally contact XXXX instead of allowing us to file a claim? 
Second, why would Ally not send the proper payoff. The balance has doubled and it is negatively affecting our credit. 
Ally Acct # XXXX Accident XX/XX/XXXX XXXX Claim # XXXX XX/XX/XXXX Balance after insurance payout XXXX paid on GAP claim- {$200.00} Ally claiming we still owe {$100.00}. Now with interest up to {$200.00}. 
Why would Ally submit one amount to GAP for final payment and then continue to send us an amount due? 
Neither company will take responsibility for their mistake. XXXX ignores me completely.
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. XXXX XXXX {$1100.00} XXXX XXXX {$1300.00} USDEDPED XXXX {$9200.00} XXXX XXXX   XXXX XXXX {$4000.00} USDEDPED XXXX {$3500.00} XXXX XXXX {$0.00} XXXX XXXX {$2000.00}
Complaint sub-issue: Didn't receive enough information to verify debt

I C System placed an account on my credit reports without notifying me about the account. I have tried numerous times to get information about this account and this company has refused to give me any information about the account.
Complaint sub-issue: Account status incorrect

The information currently reflecting on my personal credit from the Department of Education-DEPTEDXXXX is being reported as derogatory. This negative information should not be reflected at this point due to it meeting the 7 year threshold negative information should be showing on a credit report. I'm requesting that all accounts be updated to a positive status and/or deleted from my file.
Complaint sub-issue: Trouble with how payments are being handled

I originally received several student loans when I attended college/university over 10 years ago. The loans were eventually consolidated over to Fedloan Servicing and placed in Forbearance, due to my inability to repay the loans because I was unemployed for years. As of XX/XX/XXXX, I was not required to make any payments due to the forbearance. Unbeknown to me, on XX/XX/XXXX my loans were taken out of forbearance and repayment was to begin, however I was NEVER notified by Fedloan. I did not receive any repayment notices via USPS mail/email nor phone call. I was unaware that any payments were due or that the forbearance was over because Fedloan failed to properly notify me. My address/email and phone number are correct on my credit file and I should have been properly notified that a payment was due so that I could remedy the situation. Fedloan began reporting late payments to all credit bureaus in XX/XX/XXXX and continued to due so through XX/XX/XXXX. Because the loan is divided into ( 7 ) individual loans, I have over 40 erroneous late payments now displayed on my credit report. I only discovered that the forbearance was terminated after I pulled my credit report in XXXX of XXXX and saw these late payments. I immediately called Fedloan and spoke to customer service about the issue. I explained to the representative that I was unaware that my forbearance was over and that I never received any notices from them for 6 months. I told them they had a duty to notify me and that due to financial hardship I still would not be able to make any payments. So they told me to apply for the {$0.00} payment Income Driven Repayment plan. After applying for the income driven repayment plan, it was determined by Fedloan that I qualify for $ XXXX   monthly payments. Which is fine, however I have written Fedloan several letters and placed several phone calls to Fedloan demanding that they delete the late payments, as they failed to notify me of the forbearance ending. As a service provider, they have the duty to properly notify the consumer of payments due, and the intent to report alleged " late payments '' to the bureaus. Furthermore, the alleged " late payments '' were not indeed " late '' because I have not been employed for over 2 years and I qualified for {$0.00} repayment as of XX/XX/XXXX ( the end of my forbearance ). Had Fedloan properly notified me back on XX/XX/XXXX, I could have applied for the Income Driven Repayment plan back then, I would have been approved for $ XXXX monthly payments because obviously my financial status has not changed in almost 3 years, and I would have never endured the hardship of having these late payments affect my credit. The erroneous late payments being reported by Fedloan are causing extreme hardship and is affecting my ability to obtain lines of credit. I am a mother, and currently unemployed and these late payments that have illegally been reported to the credit bureaus need to be removed due to Fedloan 's negligence to properly notify me that my forbearance was over and payments were due.
Complaint sub-issue: Information belongs to someone else

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER ALSO THESE ACCOUNTS ARE UNDER BANK REPUTCY I NEVER FILED FOR ANY OF THAT IN MY LIFE THIS INFORAMATION IS FALSE I WAS VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Their investigation did not fix an error on your report

Remove the attached XXXX XXXX credit pull from all three of my credit bureau reports. As you can see in the attached document, XXXX XXXX was not authorized to pull my credit.