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

After 3-4 episodes of re-opening dispute for undelivered service, Citibank doesnt want to resolve it in our favor citing different reasons : peruse credit from service provider via legal action, truth in landing act limits the amount of claim for paid in full charge, and lately the claim is too old We tried to dispute {$1600.00} charge from appliance repair company. That company not only undelivered promised service, they still keep our wine cellar in their premises. During transportation, their vehicle got into accident, damaging our wine cellar beyond repair. They sent us supporting image via phone text and cancelled delivery. At first, business owner promised a compensation at the amount of {$2800.00} ( text messages are available ) but later stopped communicating and all our attempts of further contact were unsuccessful. 
When we realized that we cant resolve this matter with service provider, we contacted our credit card company and they didnt mention that it was too late to dispute transaction until recently. The correspondence with Citi bank lasted 3 months.
Complaint sub-issue: Investigation took more than 30 days

XXXX   XXXX  SS #  XXXX  dob  XXXX / XXXX /  XXXX     XXXX   XXXX   XXXX    XXXX  VA  XXXX   XXXX , Equifax and   XXXX   will not correct my   XXXX   XXXX   account The credit limit is not correct and the balance is not correct the Credit limit is {$10000.00} and balance is  XXXX  see attached docs please update and correct my credit limit to {$10000.00} and my balance to  XXXX
Complaint sub-issue: Account information incorrect

The following accounts did not have permissible purpose to furnish any remarks on my consumer report. I did not give these debt collectors my written instructions to furnish anything on my consumer report, which is a violation of the Fair Credit Reporting Act. Furthermore, I did not make any consumer credit transactions with the listed debt collectors below. They are in violation of the Fair Credit Reporting Act and must be deleted from my consumer report immediately : XXXXXXXX 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: Debt was result of identity theft

This account has been pass from one collection agency to another XXXX just I got me that you are the owner of this account
Complaint sub-issue: Was not notified of investigation status or results

I dont recognize this public record so I contacted the courts and they stated that the information I gave them didnt match that I ever filed bankruptcy in their courts ; please provide proof from the court of this public record. I never file bankruptcy ever in my life this public record on my report is inaccurate and I demand that it gets deleted immediately for violation of my right to privacy FCRA 15 U.S. Code 1681b ( 2 ) and you didnt have a permissible purpose to furnish this information on my consumer report ; and violation of FCRA 15 U.S. Code 1681i Procedure in case of disputed accuracy ; if this is not completed within 4 days I will file a CFPB, FTC, XXXX, and Attorney General compliant..
Complaint sub-issue: Didn't receive notice of right to dispute

Hello, To tell you that I have never received a notification of an outstanding debt from the pediatrician. 

I have received this bill without being aware of an outstanding debt. 


Please your support to be able to cancel this debt. 

Thanks.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have contacted equifax on multiple occasions about fraudulent inquiries on my report and I get no where I dont even see the things on my report that I did apply for they are very rude and unprofessional and will not help you to prevent or fight fraud
Complaint sub-issue: Reporting company used your report improperly

I reply for credit repair company to help me fix my credit and since then it seems to be misused or misrepresented.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting act XXXX Account # 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: Debt was result of identity theft

Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$300.00}
Complaint sub-issue: Information belongs to someone else

These accounts do not belong to me, please block and remove according to 15 USC 1681c-2
Complaint sub-issue: Information belongs to someone else

I have been disputing with the Credit Bureaus for the immediate removal of the Fraudulent accounts and information being reported on my Credit File. It has been 5 months since I started disputing my Credit Report but it seems like the Credit Bureaus have become negligent of the Federal statute and their duty with the FCRA. Under the Fair Credit Reporting act section 605b, the Credit Reporting agencies are required to remove any accounts and information that resulted due to identity theft. But the Credit Bureaus have been ignoring my Disputes. The last letter I sent to the Credit Bureaus was dated XX/XX/2022, with the same Attachments I have been attaching from my previous Dispute letters. The Credit Bureaus have been claiming that the disputed items are verified and reports accurate information. However, they have failed to send me copies of proof of verification or any documents bearing my signature. I can say that the Credit Bureaus have been ignoring my disputes as well neglecting the FCRA regulations because the Accounts ' dispute status are still reporting as " Account not Disputed '', despite the fact that I have been disputing my Credit File for 5 months already. Under the FCRA section 605b, I am requesting that the Credit Bureaus stop their erroneous reporting and remove or delete the disputed accounts and information completely from my Credit Report : XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX US DEPT ED XXXX Balance Owed : {$28000.00} US DEPT ED XXXX Balance Owed : {$39000.00} XXXX XXXX  XXXX Balance Owed : {$8100.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$490.00} XXXX  XXXX Balance Owed : {$100.00}
Complaint sub-issue: Information is not mine

attached is a copy of my victim 's complaint and affidavit and police for fraud on my account since I been oversea since 2011. I am XXXX XXXX military. Someone using my old account and open new accounts in my name with previous lender and credit card companies. I faxed my identity theft victims complaint and affidavit and police report to all XXXX credit reporting agency and alert was placed on all my credit reports with all XXXX agencies. I complained
Complaint sub-issue: Received bad information about your loan

According to 15 U.S. Code 1692g - Validation of debts I have to right to dispute this debt and within 30 days I should receive a reply I sent a letter verified mail in XX/XX/XXXX and verified that it was delivered and received on XX/XX/XXXX. I did not hear any word back or a letter responding to my dispute until XX/XX/XXXX. 

According to 15 U.S. Code 1681i If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; Was not verified in timely manner Furthermore the promissory note should include the names of the borrower and lender, the dates of both the original note and the release, total debt that has been paid, and signature of the lender. The promissory note sent does not include the lender, the release or signature of lender. 

According to 34 CFR 674.31 - Promissory note, This promissory note has violated many sections According to UCC 3-302 the holder of the original promissory note is the only person/entity that can collect on the debt and this debt has been sold. This instrument ( the promissory note ) when issued or negotiated to the holder does not bear such apparent evidence of forgery or alteration or is not otherwise so irregular or incomplete as to call into question its authenticity ; According to 15 U.S. code 1692a the creditor does not include a person who receives a transfer of debt. 

The instrument has been rendered inaccurate/incomplete. 

According to federal law you have violated my rights. I want this item deleted/ removed immediately.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 602 A section 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Information belongs to someone else

To whom it my concern, I have several inaccurate names on my credit file the do not belong to me and need to be corrected. My name is XXXX XXXX XXXX please delete remove any and ALL variations abbreviations or likeness to my name. 
I need the following fraudulent address removed from my credit report. they are not accurate. 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX CT XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX- XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OK XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX  XXXX XXXX , VA XXXX XXXX XXXX XXXX XXXX , OK XXXX
Complaint sub-issue: Attempted to collect wrong amount

When logging in, the company has an old loan amount that populates online. There are 2 accounts - 1 ) my current student loan and 2 ) and old student loan from YEARS ago when I refinanced to get away from these XXXX. XXXX XXXX sold the loan back since then I've opened at least 3 CFPB complaints for XXXX behavior and will continue to document their scam tactics. Currently, I'm making calculated overpayments on my loan, but I'm unable to see anything because their website continues to direct me to payment history of the paid off 2019 student loan - I'm unable to access the payment history for my current loan.
Complaint sub-issue: Trouble with how payments are handled

I am having trouble repaying my XXXX student loans for my account XXXX. Due to economic hardship I have asked for an Income-Driven Repayment Plan and received an offer of {$180.00} on XXXX XXXX 2016. However, Fed Loan Servicing on XXXX XXXX, 2016 sent me an invoice in the amount of {$1300.00} which includes an amount past due of {$610.00} and a current payment of {$720.00}. Please note that for me it is a stretch for me to pay the Income-Driven Repayment Plan and received an offer of {$180.00} but I am willing to do the sacrifice. However, it would be a financial burden to pay the amount asked for on the invoice sent by Fed Loan Servicing on XXXX XXXX, 2016 in the amount of {$1300.00}. Furthermore, reneging on the Income-Driven Repayment Plan offer of {$180.00} and asking me now to pay the amount of {$1300.00} which includes an amount past due of {$610.00} and a current payment of {$720.00} would be detrimental to me. By reneging Fedloan Services does not take into account the fact that I have no discretionary income to pay my student loans according to XXXX XXXX XXXX XXXX. I have asked for a minimum before but the provider has sent collections notices as well as threats of garnishment. Likewise, I have asked for XXXX as I am a XXXX but I as ill advised by Fed Loan Servicing that I do not qualify even though I work in an XXXX XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

PROBLEM : Since XX/XX/XXXX I have been trying to get CitiMortgage to correct my credit reporting for the BIG 4 including XXXX, XXXX and XXXX as promised. I was told once my modification was completed all of my negative reporting would be cleared up as ok. 

I started the process in XX/XX/XXXX and it finally concluded on XX/XX/XXXX with the modification. Immediately, CitiMortgage disbands the division, the employees disappear and my loan is transferred to XXXX XXXX. 

CitiMortgage was practicing the same hanky-panky which got them fined for {$28.00} XXXX by the CFPB ( XXXX ). 

CitiMortgage would start the process, inform me not to make payments, asked for documents and would tell me my credit reports would be cleared for non-payments and changed to OK status. 

I was told throughout the process my credit reports were going to be corrected to show in good standing for every month throughout the process because I was doing everything on my part to get the modification done. 

The process would begin or restart and stop by CitiMortgage after changing agents and using the excuse they had no paperwork, did not receive paperwork or needed other paperwork as I went through XXXX XXXX ( XXXX ), unknown worker ( XXXX ), XXXX XXXX ( XX/XX/XXXX XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX XX/XX/XXXX ) and XXXX XXXX ( XX/XX/XXXX XX/XX/XXXX ). 

CREDIT REPORTING : For CitiMortgage I show over 30 days late for ( XXXX ) XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and ( XXXX ) XXXX. Also, I am over 60 days late for ( XXXX ) XXXX, XXXX and XXXX. Finally, for ( XXXX ) I am over 90 days late for XXXX, XXXX and XXXX and over 120 days late ( XXXX ) XXXX, XXXX, XXXX and XXXX. 

In addition, despite making payments to XXXX XXXX for {$1300.00} on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX and {$1300.00} on XX/XX/XXXX ( see XXXX XXXX Statements for payments ), XXXX shows my account being past due on XX/XX/XXXX for over 120 days late for {$16000.00}. 

In my conversations with XXXX, despite knowing payments were made on time starting in XX/XX/XXXX, they will not correct the XX/XX/XXXX negative report. 
Finally, CitiMortgage has had a history of this behavior with their customers. How they are allowed to be in business is a mystery because they dont seem to care. 

OTHER EVIDENCE : 1. XXXX XXXX Statements from XX/XX/XXXX XX/XX/XXXX showing on time payments to XXXX. 
2. Emails with CitiMortgage 3. Emails with XXXX showing CitiMortgage was unresponsive for SIX months from XX/XX/XXXX to XX/XX/XXXX getting XXXX the necessary information to complete the modification. This same lack of responsiveness was also why my information was never changed on my credit reports as I was told it was after the completion of the modification. 
4. Credit reporting from CitiMortgage & XXXX XXXX
Complaint sub-issue: Attempted to collect wrong amount

The company sent a statement for XX/XX/2019 statement stated that I owed {$420.00} where I worked out a payment plan for {$210.00} per month. I worked out a verbal workout plan where it was {$210.00} per month but then I received a statement stating that it was {$420.00} owed and past due. I dont like my credit being hurt and I dont was unemployed trying to make it.
Complaint sub-issue: Their investigation did not fix an error on your report

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE, AND ACCOUNTS THAT DONT THAT BELONG TO ME.
Complaint sub-issue: Information belongs to someone else

on artists prey on victims of timeshare resale scams Share this page XXXX XXXX XXXX XX/XX/2013 by XXXX XXXX Consumer Education Specialist, FTC Con artists are trying to steal money from people by falsely claiming they are associated with the federal courts, the U.S. Department of Justice ( DOJ ), and the Federal Trade Commission ( FTC ). The imposters tell people they are entitled to refunds as part of cases brought by the FTC against companies that engaged in timeshare resale fraud. People are told they must pay several hundred dollars in court costs, processing fees or filing fees to get their refunds. The scammers may use an actual FTC case number to lend some legitimacy to their pitch. DO NOT GIVE THESE IMPOSTERS MONEY. THIS IS A SCAM. The FTC never requires consumers to pay money to get a refund. The imposters also have impersonated Florida attorneys in an effort to convince people to pay their fees.

If you get a call from someone claiming they can get you a refund for a fee, report it to the FTC. Visit Complaint Assistant or call 1-877-FTC-HELP ( 1-877-382-4357 ). The FTC enters complaints into Consumer Sentinel, a secure, online database available to more than 2,000 civil and criminal law enforcement agencies in the U.S. and abroad. The FTCs website provides free information on a variety of consumer topics.
Complaint sub-issue: Account information incorrect

Inaccurate payment history reporting on all 3 credit reports for XXXX. Information reported differs ; XXXX   payment history shows last payment made on XX/XX/XXXX ( which is incorrect ) and paid as agreed through XX/XX/XXXX. XXXX  payment history shows scheduled payment of {$38.00} on a charge off account and paid as agreed through XX/XX/XXXX, which differs from XXXX. Equifax payment history shows paid as agreed through XX/XX/XXXX, but date of first delinquency of XX/XX/XXXX ; also account was sold but not noted on reporting. If reported accurately the information should be the same between all 3 bureaus. This was previously disputed, however, information reported remains the same.
Complaint sub-issue: Account status incorrect

I have a car fro XXXX XXXX and everything was going fine i was making on-time payments every month via ACH transfers this past XXXX the credit bureaus are reporting a late payment on the account i was very confused so i called the company to see what was going on and they told me that the payment was canceled for this month and they sent me a letter to make another payment right away now i never received any letter because they sent it to the wrong address i have a copy of the letter and on the letter it shows the wrong address if i would have received the letter to the correct address i would have been aware of the cancelation of the payment and i would have maid the payment right away. this is not fair its affecting my life the fact that its reporting late
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Between XX/XX/XXXX and XX/XX/XXXX there were over {$4000.00} in fraudulent charges made on my discover Credit Card. Most of which were online through money broking companies ( XXXX, XXXX, XXXX  .... ) Other charges were made by using the card # 's to purchase State Lottery tickets  that yielded the culprit a percentage of the cost of the lottery  tickets. Which was ALL profit, due to the fraudulent use of my card. 

I have had the card for 24 years, and never a problem or late payment. Even when faced with better offers I chose to stay with Discover due to their % 100 money back guarantee concerning non approved charges, Theft, and FRAUDULENT charges.. 

They initially reversed all the charges and sent me a new card ; living up to their claim of having my back % 100. This was last Winter/Spring. They decided to retroactively reinstate ALL the disputed charges .... ( Pause ) .... THE REAL kicker is, I not only was given NO REASONING, I was not given a heads up to the charges either. This has caused so much collateral damage, I have no choice but to take legal action if this can not be settled to my satisfaction.
Complaint sub-issue: Information belongs to someone else

Equifax is in violation of numerous consumer rights including : 15 USC 1692 - Fair Debt Collection Practices Act 15 USC 1681 - Fair Credit Reporting Act 15 USC 1601 - 1667f - The Truth In Lending Act 15 USC 1691- The Equal Credit Opportunity Act 15 USC 6801 - 6809 The Gramm Leach Bliley Act I have reached out various times to dispute and inform Equifax of incorrect information being reported as well as to report the numerous violations that have occurred along the way. When I asked representatives how and when the information was validated they told me that Equifax didnt and doesnt validate information before its reported. I advised that they are to adhere to the rules of the FCRA and they advised that they dont have to check the validity of any information before its reported.

I also advised Equifax that I never gave my written permission or instruction to generate or furnish information about me as needed and identified by the FCRA. I asked for assistance in resolving the issue and each time I call in Im transferred to dead air or hung up on when I recall my rights under the statues and guidelines as set forth with myself being the original creditor and debtor. 

The accounts listed below are in violation : XXXX Student Loans ( 2 ) - payment history is inaccurate as Ive never been late - different reports show 90 days late on different months and Ive NEVER been late as loans were on a forebearance plan - never authorized information to be reported XXXX  XXXX - never had a charge off account XXXX XXXX XXXX - not my account ; was victim fraud - have provided info FTC report/ police report to Equifax XXXX account removed by other agencies by not Equifax XXXX never authorized permission to report Ohio Dept of Human services ( 2 ) - not late on account - payment history incorrect - never authorized permission to report
Complaint sub-issue: Attempted to collect wrong amount

My roommate and I moved into the apartments at XXXX of XXXX XXXX in XXXX in XX/XX/2019. The apartment was not clean when we moved in, and we had not been allowed to see our apartment before the move in date. We told the office and they insisted it had been cleaned so we had to clean it ourselves. We had many issues with them over the year we lived there including AC and power going out multiple times. AC was out for two weeks once, we couldnt stay at the apartment because it was over 90 degrees outside. They put fan units in to try to keep it cool and these fans leaked out water all over the carpet causing damage. We decided not to renew our lease and expected our full deposit back because we left it much cleaner than wed found it, no damage other than to the carpet that was caused by their fans. Not only did we not get any deposit back, they charged us {$400.00} claiming they had to replace carpet. They are the ones that caused the damage to the carpet, and also they were remodeling all apartments and taking out the carpet anyway. They charged us for the remodeling they were doing, we did not leave any damage to that apartment. I have called their office and their management multiple times over this last year. Ive left message after message and no one has returned my call. Now I have this charge on my credit that I dont deserve. They still owe us our deposit. They took our deposit and charged us more money on top of it when we left zero damage to the apartment. I cant afford a lawyer and have no idea what to do about this situation.