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

This is a second filing for cfpb complaint # XXXX which was again denied by AT & T XXXX XXXX I purchased 3 shirts from XXXX XXXX through XXXX XXXX on XXXX. I returned XXXX of these shirts in 2022. XXXX XXXX issued two credits on XXXX ( {$36.00} ) and ( {$30.00} ). These two credits were issued to XXXX. XXXX forwarded the credits to AT & T XXXX. The account number used by XXXX ( ending XXXX ) was one that had been replaced with a new credit card number ( ending XXXX ) due to a breach on the original credit card number. ATT XXXX assured me that the credits sent to the old account number would have transferred to the new number. I have opened 3 separate disputes on these payments with AT & T XXXX and all have been denied because I have not provided them with a 'valid credit slip '. XXXX XXXX gave the credits totaling {$66.00} to XXXX. XXXX then forwarded those credits to ATT XXXX. I provided ATT XXXX with the XXXX account statement showing the credits had been sent to them. XXXX says the problem is with XXXX. XXXX says the problem is with AT & T XXXX. I have attached the XXXX XXXX refund copy from their website, the XXXX transactions for {$30.00} and {$36.00} and the XXXX XX/XX/2022 Statement showing the transfer from XXXX to AT & T XXXX. Someone has the {$36.00} and {$30.00} refunded by XXXX XXXX- and it is NOT me!
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX-XXXX and I have filed multiple complaints with XXXX, Equifax and XXXX regarding fraudulent inquires, inaccurate phone numbers, inaccurate addresses and accounts that do not belong to me. They continually keep placing the wrong phone number on my fraud alerts and they are not updating inquires that DO NOT BELONG TO ME. They also are not following the Fair Act Credit Reporting Guidelines.
Complaint sub-issue: Their investigation did not fix an error on your report

I have complained to Equifax many times and desputed that   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , SC  XXXX  Account #  XXXX  and  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , SC  XXXX  Account #  XXXX  are duplicate accounts. A Equifax representative said The  XXXX   XXXX  had been removed from my Equifax credit file, this person lied it is still on there.     Equifax must hire misfits from o ff the street, for e mployees. I do not trust the Equifax Organization.       XXXX   and  XXXX  are much more Professional, honest and organize.     Please investigate my entire Equifax cred file.
Complaint sub-issue: Can't get other flexible options for repaying your loan

ECMC, has been making my student loan amounts increase, and I can not understand why, with the moratorium that is good thru XX/XX/2021. Also, I am being harrassed with numerous calls a day, and threatening voicemails. I understand there is scams out there. I can not fathom how, my balances are going up up up ... at this time. I am XXXX, in XXXX  so I would usually have a small payment plan. I tried to reach out to figure out, what is going on. There are federal protections in place, and I just need help all the way around. I have severe XXXX, and this is not cool!
Complaint sub-issue: Didn't receive notice of right to dispute

I discovered this account on my credit. I have never received a notice for the right to dispute. I have no knowledge of this account.
Complaint sub-issue: Investigation took more than 30 days

I have received a copy of my credit report and it shows company XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$80.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Complaint sub-issue: Trouble with how payments are being handled

My account is current listed as being delinquent despite the fact that I have continued to make payments, even in excess of the minimum amount due. For some reason, for the the pa st three months my payments have been misapplied to loans that were consolidated years ago. I 've contact FedLoan four times by both phone and e-mail over the last three weeks and this still has n't been fixed. I honestly do n't know what to do, despite paying on-ti me and in excess of the minimum payment I 'm still delinquent and ca n't get anyone to help me.
Complaint sub-issue: Delay in processing application

Reference XXXX. 

To whom it may concern, On XX/XX/2022 as an existing cardmember of Discover I was per-qualified for another credit card offer for which I've applied on XX/XX/2022. The status of prequlifying and assurance of extended speed of process as an existing card member of Discover made me consider this offer to an extent of application. On XX/XX/2022 I've received a notification that in order to finalize the application I need to give a call to XXXX and speak with Discover agent. Per this instruction I've gave a call to Discover at approximately XXXX on XX/XX/2022. As a victim of identity fraud in the past, I always make sure to take extra step to protect my information. Because of that there is a 'fraud alert ' on all of 3 major credit bureaus reports, advising lenders to verify the application with me by calling on the phone number listed on the report ( 'Method ' ). This is something I was expected to have with Discover as well as a part of the procedure. Instead I was informed about some form, issued by IRS, which needs to be signed by me ( which as I write this letter ) still haven't been received by me and then wait additional 7 business days. This is extremely confusing, frustrating and misleading, especially for a customer of 3+ years expecting streaming of the whole process.
Complaint sub-issue: Old information reappears or never goes away

XXXX XXXX is reporting information that is inaccurate to the credit bureaus and has not provided verification information for this account. Account is currently 7 years old. Requested several verification documents which have not yet been provided by this creditor.
Complaint sub-issue: Problem during payment process

on XX/XX/2014 I had automatic payment set up. They company couldn't process the payment and never notified me. I been trying to get his late payment which is not accurate several time been talking with them and never get any favorable Response. I am trying to get a mortgage loan and this negative affecting so I can't get approved because this unfair negative item remark on my credit.
Complaint sub-issue: Debt was result of identity theft

Hello, a few years ago my debit card was stolen and over charged. Around the same time faced credit card debt.
Complaint sub-issue: Attempted to collect wrong amount

They were running a promotion..turn in my phone and i switch companies. And they charged me for my phone
Complaint sub-issue: Debt is not yours

Collection agent by MRS BPO, L.L.C. in behalf of their customer XXXX XXXX. 
XXXX claimed I owed them equipment, however ; I never used their equipment, I used my own private equipment. 

MRS BPO sent me a letter saying I owe {$59.00} account XXXX dated on XX/XX/XXXX, as of today XX/XX/XXXX said the account is no longer with MRS and to contact XXXX. 

Both have refused to send a letter to me advising it was a mistake and i do not owe the {$59.00}. 

How can i get for XXXX XXXX and MRS BPO to send a formal letter advising me i do not owe the XXXX.
Complaint sub-issue: Didn't receive notice of right to dispute

A company called XXXX XXXX has reported a dept to my Equifax account that I know nothing about. According to federal law we the people are entitled to a notice to dispute any item that a company says we owe. I received no such notice from XXXX XXXX of this XXXX XXXX XXXX XXXX either. 
As far as I am concerned Equifax and XXXX XXXX has violated my Constitutional right to due process meaning I should have received notice of this so called dept I do not owe. They have also, in the process, slandered me and defamed me to which their will be serious consequences if this is not rectified by Equifax for allowing such XXXX to be posted on my account without a shred of evidence.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Since XX/XX/XXXX, Macys has been reporting my account ( # XXXX ) as a Failure to Pay, however, Macys has been charging me for an XXXX top I did not receive, and for the related interest and late fees associated with it. For over two years, I have been attempting to get the compounded errors that began on XXXX XX/XX/XXXX, when I opened a Macys charge account corrected. I opened the account, after continued pressure from a sales associate, at the XXXX XXXX Macys store. I purchased several items. I brought them home, but did not inventory them or removed them from the hanging bag at that time, as I almost immediately left on vacation for a month. When I did take the items out of the bag, I realized that one of the XXXX tops that I had purchased ( and was charged for on the receipt ) was not there. Since then, I have been trying to get Macys to correct this error. I have called the store, and I have protested the charges to the credit department. Finally on XXXX XX/XX/XXXX, I waited in the XXXX XXXX store for over an hour for a managers help. She managed to create a return that credited the account for most, but not all, of the erroneous charge. However, it was not her job to correct the years worth of late fees and interest associated with the erroneous charge. When I wrote Macys Customer and Credit Services, I received a response informing me that the charges were correct, and providing a number to call if I had questions. When I called the number, I was informed that because it was not credit card fraud Macys would be taking no action to correct the charges, and because I had attempted to purchase the items, I was responsible for all the charges. When I reiterated to the young man that I had not received the merchandise, and therefore did not believe I could be held responsible for the interest and late charges on goods I had not received, he informed me that I was liable for the charges, even though I did not receive the merchandise, because I had wanted to purchase it.
Complaint sub-issue: Reporting company used your report improperly

Equifax is reporting inaccurate information on my credit Report Ive been notifying/disputing with Equifax for over a year and a half now multiple times and Exuifax is still reporting the 2 inaccurate accounts on my credit report : Name : XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX, has violated my rights. 

XXXX and XXXX has both done an investigation and Deleted the two inaccurate accounts above off of my credit report but Equifax is still the only Credit Bureau that is reporting the accounts inaccurate. Its is an violations under the FCRA to report inaccurate information on an person credit report and I demand that Equifax Delete the Two accounts immediately off of my credit report because they do not belong to me ( Name : XXXX XXXX XXXXXXXX Account number XXXX ), has violated my rights. 

Im fed up and Im on my last leg i will sue Equifax if they dont removed the two inaccurate accounts off of my account immediately.

Thanks
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX XXXXan, and I am sending this request myself to address the inaccuracies on my Credit Reports.

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Complaint sub-issue: Information belongs to someone else

Greetings, this is my follow-up request to assist me to dispute these remaining accounts : 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 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 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 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 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 XXXX
Complaint sub-issue: Information belongs to someone else

the account in question was opened fraudulently
Complaint sub-issue: Frequent or repeated calls

Repeated phone calls for payment method that was sent back by this company saying I now owe a balance. Ive been utilizing this method for many years now this has never happened.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The following Companies access my credit with out my consent '' XXXX XXXX : XXXX. 
XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX : No contact information XXXX  XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX  In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 section 604A section 2 states consumer reporting agency can not furnish a account without my written instruction
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I sent letters to Equifax Credit Bureau last XX/XX/XXXX, And now we are in the month of XX/XX/XXXX and have not received any response from them. That means Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Balance {$710.00} Opened Date XX/XX/XXXX XXXX
Complaint sub-issue: Funds not handled or disbursed as instructed

On XX/XX/2018 I initiated a XXXX  transfer through my Citibank mobile app in the amount of {$1300.00} to my landlord for rent payment. As usual I logged onto my app and initiated a payment by selecting my landlord 's email address on the list of contacts. On the night of XX/XX/2018, she contacted me to advise that she never received the funds. I looked in my list of transactions and the money was taken out. I looked further on the list of XXXX transactions and realized it indicated that the funds went to an unknown individual. I called the bank and they opened up an investigation. The investigation then resulted in them claiming that I initiated the transaction by entering this unknown individual 's XXXX digit telephone number. I advised them that I did no such thing and this has to be some type of fraud where someone intercepted this transaction. I appealed the decision which resulted in them claiming that I mistakenly inputted the phone number. I appealed it again as I've only sent transactions with email addresses and individuals that I know who are on my contact list. I've visited 2 branches and tried to get help with no luck. I tried calling the unknown individual when this all started with the advise of the citibank rep who opened up the initial investigation. I spoke to the woman who claimed that she had 3 bank accounts and she would have to check each one. While on the phone with her she checked her Citibank account and her XXXX account. She said no funds came in. She then strangely said that her third bank account with Bank XXXX XXXX was recently closed and that is the bank that is associated with the phone number I called her on. She then went on to say that the phone she picked up was her daughter 's. She said she would confirm and get back to me. She never got back to me and after the first appeal with Citibank I went to a branch in XXXX, NY. While with the bank rep we attempted to call the number together only to discover that the phone number was disconnected. On XX/XX/2018 during my second appeal, I requested the documentation from the first investigation. On XX/XX/18 they mailed me a screenshot of their system which basically just states that " names do not match. Funds not available. Funds will not be returned ''. They did not look to see if this is fraud, they only looked to see that the names did not obviously match and refused to look deeper. If this is a fraud where people are diverting funds during a transaction, it must be investigated properly. I did not input a phone number when initiating this transaction. I also attempted to contact XXXX because citibank claimed that once the funds are posted and out of my account, the funds are in the XXXX network and they can not do anything. When I contacted XXXX, they state that unless the transaction was performed in a XXXX XXXX, they cannnot do anything.
Complaint sub-issue: Didn't receive enough information to verify debt

Citi has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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: Account information incorrect

I received a collection notice from IC solutions reference a disputed XXXX  cable bill which was not incurred. The collection agency did not care. XXXX  tried to bill for services when I did not live in the residence and services were cancelled and equipment was returned. The ongoing dispute was that they were charging me for cable and internet when I only had internet service. This was an ongoing dispute with spectrum. Depending on whom you talked to it was resolved and then reoccurred on the billing. You had to spend hours on the phone with them each and every time. I told IC Solutions and mailed them I did not incur the bill. I ask that this collection be removed from my credit report asap. 

XXXX XXXX
Complaint sub-issue: Inadequate help over the phone

I filled XXXX total complaints against a company claiming they are a law firm when XXXX of their " attorneys '' are registered in the Colorado bar database. The company is called XXXX XXXX " XXXX XXXX ''. I submitted the first complete because they kept billing me & kept deducting from my checking account {$99.00} per month. I canceled XX/XX/2016 and I was billed for the month of XX/XX/XXXX at the birth of XX/XX/XXXX totally {$200.00}. after I filed a complaint with the federal trade commission, they advised me to dispute all of the charges from the company as they did not what was in their contract promised to me as well did NOT provide me any PROOF OF SERVICE and could not report TO ME ANY ACTIVITY they have done in past XXXX months. When I signed up with the " credit repair '' company my XXXX score was XXXX. NOW, it has DROPPED TO XXXX!! I contacted ALL XXXX credit bureaus & they confirmed with me that NO ACTIVITY has been done and no dispute letters have been sent/received as I never did receive a letter from ANY of the XXXX bureaus in XXXX months. According to XXXX email I sent the company asking for progress or updates, I finally received a response from XXXX Law that they need a credit report in XX/XX/XXXX MONTHS later!!! Shortly after I contacted the Federal Credit Repair Act, I was advised to file a dispute with MY BANK & TO REPORT FRAUD. This is where my bank comes in. Key Bank! After filing XXXX disputes my bank WOULD NOT do anything to PROTECT ME AGAINST FRAUD nor issue me a provisional credit as these charges have caused me financial hardship. I am having to fight WITH MY BANK, KEY BANK and to having to LITERALLY beg my own bank to recover the money that was charged. MOST BANKS will issues the charges reported as fraud within XXXX hours. KEY BANK has done NOTHING to protect me as a consumer not the mention the XXXX complaints were filed XX/XX/XXXX XX/XX/XXXX. Still my bank as done NOTHING! The laws we published under the XXXX XXXX XXXX were clearly violated and " XXXX XXXX '' still will not provide me with ANY proof of service. As of now, I only have bank statements of the charge as XXXX XXXX has not answered ANY of my complaints.
Complaint sub-issue: Their investigation did not fix an error on your report

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX sent me a email that it looked like my personal data may had been compromised. I opened it up and reviewed everything and there was several unknown inquiries and accounts that certainly did not belong to me. I pulled my credit to make sure, and these accounts I am reporting are definitely not mine. Please remove these items from my report. 

XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX {$1000.00} XXXX  XXXX {$510.00} XXXX XXXX XXXX XXXX {$180.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Complaint sub-issue: Deposits and withdrawals

I did a mobile deposit on XX/XX/2022 and it was for {$2000.00} from a XXXX XXXXXXXX  XXXX  I signed up for online. I was told it would be available on the XXXX  and when I went to check my account to see how much money I had available not including the deposit I made, my account was locked online and I have had no access to my direct deposit from social security or any other money. I went in person on XX/XX/XXXX to the XXXX XXXX XXXX Key bank XXXXXXXX and sat down with the Bank manager and she verified my identity and took copies of everything that I had for the mobile deposit I made. I have been locked out of my account for almost two weeks now. The bank manager told me since I went in there and showed ID in person it would expedite the process. I have called several times since I went in and they have no information and said I have to go into the XXXX XXXX branch in person because they are the only ones who can un freeze my account.