Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Other problem

Good morning, I applied different cc disputes against the same merchant for the same reason. All the disputes i have applied were closed by citi in my favor with 100 % refund except one. The one testi d still pending, Citi claimed at first that I have been refunded by the merchant which was not the case. Then citi stated that I did not submit the documentation which is also not the case. Now they are claiming that the date is past to make the claim. When I call I am passed from person to person and each one has a different reason for why the dispute has not been settle. Citi seems unwilling to resolve the final dispute and keeps putting me off after repeatedly attempts to have this resolved. It has been since XX/XX/2020 that I have been trying to explain and provide detailed information and proves about this dispute to citi
Complaint sub-issue: Threatened or suggested your credit would be damaged

I was contacted today XX/XX/XXXX by a representative from IQ Data identifying as a dept collector. Collecting for a supposedly past due bill at XXXX XXXX XXXX in XXXX, WA which I lived at and moved out of in XXXX! I find this to be very suspicious because I have never received any bill stating I owed anything to XXXX XXXX or been contacted by anyone until today XX/XX/XXXX by IQ Data. They threatened me multiple times about my credit if I hung up, even after I told them several times I was busy watching my son play lacrosse in a tournament. While they wouldnt provide any documentation of the dept until I was about to hang up. See attached document. 

I have contacted management at XXXX XXXX to validate if this is real on XX/XX/XXXX via email and voicemail but have not heard back as of yet. 

Please let me know if you need any additional details. 

Thank you, XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I have several items on my credit report that are not mine. I noticed it because i recently applied for a credit card and I wasnt approved so it prompt me to check my credit report. These items listed are not mine and need to be delete from my credit report.
Complaint sub-issue: Contacted your employer

MRS Associates called my workplace regarding a debt. I have no out standing debts! I told them they were mistaken, became verbally abusive and threatened to tell my employer lies. 
I looked up the company and they have several complaints, I am attaching a print out from the XXXX XXXX Website They are based in XXXX XXXX New Jersey phone numbers are XXXX and XXXX
Complaint sub-issue: Problem getting report or credit score

I submitted a complaint over a month ago. That complaint is XXXX. 
I have still not received a copy of the investigation and full copy of my credit report. I was recently denied credit due to inaccurate Equifax information, but I do not a full copy of the report so I can not dispute the specifics. I am attaching the credit denial letter.
Complaint sub-issue: Was not notified of investigation status or results

I sent a letter demanding the procedures used in determining my debt, and validating my debt, and dismissing my claim because they said it was computer generated and it wasn't really me making the claim when it was. I am exhausted from these immature tactics, and I demand that they stop making false claims in order to avoid doing what I asked which was to validate their claims about this debt being real. I feel like they're using stall tactics becausee they are out of compliance. I've sent in letters addressing this and I have not received a response yet, I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Received bad information about your loan

I am a XXXX XXXX in a low income, XXXX XXXX XXXX. This is my 22nd year of XXXX, and I still owe a tremendous amount on my student loan. My qualifying employment begin date was XX/XX/XXXX. In XX/XX/XXXX I went on what I was told was a repayment plan that would qualify for Public Service Loan Forgiveness. I've been working now for four years under that assumption. I contacted my provider and was told that I have NOT been using one of the correct plans, and there could be no resolution of the problem. My retirement date should be XX/XX/XXXX and I will definitely have been making the XXXX monthly payments on time as I do and have done every month. I was told that my loan balance would be forgiven in XX/XX/XXXX, and now everything is a mess because they say that I CHOSE the incorrect plan. Please help me. I am XXXX years old, and I don't think I should have to start my 10 years of repayments over again. I am convinced that I signed up for the correct repayment plan.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX {$29.00} Date XX/XX/2018 acct endin XXXX 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: Billing dispute for services

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Complaint sub-issue: Was not notified of investigation status or results

According to my research, your company may not include in a consumer credit report any adverse, inaccurate, or unverified information without physically verification and valid to be 100 % truthful accurate, timely, complete, current, and compliant to prove now or delete this unverified information immediately. I am requesting that these accounts be deleted. 

XXXX XXXX XXXX XXXX UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX -UNVERIFIED ACCUNT XXXX XXXX XXXXXXXX XXXX XXXX-UNVERFIED ACCOUNT XXXX XXXX XXXX- UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX XXXXXX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

Dear Equifax I am a victim of identity theft, the information listed below, which appears on my credit report, does not relate to any transactions that I have made. Im writing to dispute certain information in my file resulting from the crime. I have circled the items Im disputing on the attached copy of the report I received. Again the items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. 
The items are as follows : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the items be removed to correct the information.

ATTACHED are copies of the Police Report, FTC Report and documents to prove my Identity supporting my position. Please reinvestigate these mattters and delete the disputed items as soon as possible.

Additionally Equifax has TWO ( 2 ) public records reporting on my file that arent verified. I have personally contacted the UNITED STATES BANKRUPTCY COURT OF NORTHERN DISTRICT OF GEORGIA via US Postal service in regards to BOTH unverified public records and the court has returned Communication stating ( The bankruptcy court is not a vendor who supplies records for any of the major credit bureaus. ) Secondly Ive contacted XXXX XXXX whom shows NO bankruptcys on my credit report. I have attached the official responses received from each party to this CFPB complaint for proof and your review purposes. 

Bankruptcy : Dismissed XXXX XXXX Bankruptcy : Dismissed XXXX XXXX FCRA 611 ( 15 U.S.C. 1681I ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) 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 ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


Sincerely, XXXX XXXX XXXX : * Fraud Complaint with the Federal Trade Commission - # XXXX * Police Report - # XXXX * Bankruptcy Court Document * XXXX XXXX XXXX stating removal of unverified XXXX * Copy of Credit Report * Proof of Identity - Social Security Card / Drivers license * Proof of Identity - Bank statement showing current address * FCRA 611, 15 U.S.C. 1681i
Complaint sub-issue: Bounced checks or returned payments

PNC Bank Check for the amount of {$670.00} presented on XX/XX/XXXX and insufficient funds fee {$36.00} on XX/XX/XXXX. 

First Issue : Check cashed the same day at another bank. PNC sped up the process to charge the customer overdraft fee. This was a traditional check presented to XXXX XXXX. The normal process takes one day via this transaction route from one bank to another bank. This check was not presented via a teller nor was this via a mobile banking resources. 

Second Issue : I receive my payroll direct deposit on XX/XX/XXXX and is visible in my account at XXXX XXXX on XX/XX/XXXX and available balance and ledger balance reflect the deposit but hours later PNC on XX/XX/XXXX will subtract/adjust the available and ledger balance by deducting a overdraft fee even though they recognized the deposit and acknowledged its existence in my account the day before.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2020, I purchased merchandise at a XXXX XXXX XXXX in XXXX, Oregon. At checkout, I was solicited by the cashier to apply for a XXXX XXXX XXXX Mastercard and if approved, would receive a discount on my purchase. She repeatedly, at least 3-4 times assured me that this was not going to result in a credit inquiry, and  was simply a " soft pull '' with no credit bureau reporting. I told her this was critical as I was about to refinance my home and did not want to negatively impact my FICO score. She said she was 100 % certain that no credit reporting would be done. With that I agreed. The following day, I received notification from XXXX XXXX and Equifax that XXXX XXXX  had pulled my report and my FICO has dropped 100 points as a result. Incensed, I contacted XXXX XXXX to report what had occurred, immediately cancelled the account, and demanded that they contact the 3 bureaus to rescind the inquiry. They agreed to do so but said it would take weeks for the agencies to reverse the inquiry. I followed up 3 more times in the next few says and agents I spoke to reaffirmed that this had been done. I also contacted the agencies and sent letters confirming my discussions with XXXX. Additionally, I contacted the Manager of the XXXX XXXX and he apologized, acknowledging that the lady misinformed me and he would take proper action. He even reversed the charge and sent a small gift card to evidence his apology. I just received letters from XXXX and XXXX  this week informing me that the inquiry is valid and will stand, contrary to what was mentioned during my multiple phone conversations with both. Meanwhile, with a lower XXXX score, i am unable to complete my refinance, as the higher rate will raise my monthly payment on a 30 year mortgage by {$200.00} a month. Would greatly appreciate your help and support to mandate the lender to remove this inquiry.
Complaint sub-issue: Didn't receive advertised or promotional terms

XXXX XXXX offered bonus miles ( XXXX ) for opening a Citi Bank credit card. Card approved XX/XX/2022 and used the next day. The offer required me to spend a certain amount over the first 3 months and I wasn't sure if it was {$3000.00} or {$5000.00} miles so I called to check. I was then advised the if I had a card in the previous 48 months I would not receive the bonus. 

If I did not qualify for the offer I believe I should have been informed prior to acceptance and given an option as to whether to continue the application process.
Complaint sub-issue: Account information incorrect

My loan was first due for repayment XX/XX/XXXX. There has been no payments made by me or any representative of me through any fashion in well over the XXXX for this loan. This loan was removed from my credit report several years ago due to the XXXX and there are several inaccurate payments reported on my account that were never made in an effort to re-age this debt and begin collecting on it again. I have sent several requests to XXXX to provide proof of payments made including where there came from and they refuse to provide me with this vital information that would prove that this debt is well past the XXXX to collect and report on. They now have debt lawyers contacting me daily and harassing me for debt that is well past the XXXX and unable to do so on. they also are reporting on my credit a last payment of XX/XX/XXXX currently, which does not reflect the inaccurate information they have of XXXX in their own documents.
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 {$10000.00}, {$8500.00}, {$3100.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNTS -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on APR XXXX, XXXX with a balance of {$8500.00} -This is not my account. 

-- COLLECTION ACCOUNT -- 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3100.00} -This is not my account
Complaint sub-issue: Information belongs to someone else

I am currently disputing an account with Equifax and in light of the recent news about Equifax I decided to call them and see why my dispute was still reporting on my consumer credit report when I filed Identity theft because the account does not belong to me and Equifax is still colluding with XXXX XXXX by leaving the account on my report without providing proof that the account is mines. In have requested the description of procedures of reinvestigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( a ) I have been granted nothing in return for my request. This is willful non-compliance pursuant to15 USC 1681n. I have numerous violations against Equifax at this point. I called Equifax today and I was told that I had to send them a picture from my phone to verify my identity. That's another violation, where does it say in the law that I have to take a picture on my phone to verify my identity? I was not asked any information like my name or social security number. When I did not take the picture the agent stopped talking and remained silent. That's called willful non-compliance. Coercion tactic, which is another violation. 
I ahve attached proof of Equifax trying to get me to consent to a picture id verification.
Complaint sub-issue: Problem during payment process

I have a personal loan through Discover Card. No early pay off fees, no penalties. 
My payments are due on the XXXX or XXXX of each month but i can go in and change the dates as i see fit. I '' m current and never missed a payment so i have this opportunity. 

On XX/XX/XXXX, i went in and said to make my payment of {$650.00} per month on that date. I received an confirmation for this and said that funds would be withdrawn on that date. Today is XX/XX/18 and they were JUST removed from my account. 

XX/XX/2018 {$650.00} XXXX XXXX XXXX Pending This is the 3rd time this has happened and they 'say ' that it was corrected the first two times. However, when i brought it to their attention this time, no change. So i am paying interest from XXXX instead of XXXX. This might not seem like a big deal but my loan is at 19 % interest and it's for XXXX. PLUS, it's not right that they don't process the payments on time and when requested!
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau thedate of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report.PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. It is now approaching 60 days later, a and I have not received a response. I feel like Im being taken advantage of, and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report. It has been almost 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will be seeking litigation due to the stress this has caused me. My information was also impacted by the Equifax data breach and may have fell into the hands of the wrong person.
Complaint sub-issue: Account status incorrect

My military loan with Omni Financial was sent to collections, charged off as a bad debt, and a profit and loss write-off. Every month they keep adding to the amount of the loan they report to the credit bureaus. It was a {$7700.00} loan but now it's showing as {$22.00}, XXXX past due. The company keeps adding money to the amount past due every month, even though it's been charged off and a write-off. Please help me correct this.
Complaint sub-issue: Was not notified of investigation status or results

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately : 1. Validate this false charge off it does not belong to me XXXX Account Number : XXXX As a consumer by law this must be deleted immediately 2. Validate this false charge off it does not belong to me XXXX Account XXXX : XXXX As a consumer by law this must be deleted immediately 3. Validate this false charge off it does not belong to me XXXX XXXX XXXX  Account Number : XXXX As a consumer by law this must be deleted immediately
Complaint sub-issue: Problem with product or service terms changing

Credit freeze and thaw needs to be free. We didnt ask for these credit reporting companies to take our financial lives into their hands and it 's nothing less than extortion for them to charge money for it. 

XXXX changed their website after the Equifax crisis to make it harder to freeze your account and easier to pay for their " premiere protection ''. The public will not stand for this any longer.
Complaint sub-issue: Debt is not mine

After cancelling our XXXX service I continued to receive bills from the company to which I responded by calling the company numerous times. Each time it seemed like the issue was settled and that I did not owe a balance. I stopped relieving the bills which I took as the issue being settled until I saw the amount in collections. I never received a bill or phone call about this balance. The balance should have never existed as I had cancelled our service with XXXX long before this. Since it was in collections I had gotten it taken off but now it is back on my credit.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX all ftc violations fcra inaccurate information showing on credit
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not permissible to fail to validate this reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX  XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXXXXXX Reference XXXX
Complaint sub-issue: Reporting company used your report improperly

XXXX, XXXX and Equafax where n't given permission by me a man XXXX XXXX nor by my person XXXX XXXX to report my employer employment period so why are they doing it this is unlawful that you XXXX continues to report incorrect information for there banking friends XXXX XXXXXXXX XXXX XXXX although they XXXX XXXX never produced a PURCHASE MONEY LOAN CASH ADVANCE bearing my wet ink signature neither was XXXX given my permission nor do we hold a contract. Do you know once you reporting in fraud without permission that's also identify theft.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, the following reported accounts has violated my rights : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : 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 ) ( 2 ), also states a consumer reporting agency can not furnish an account without my my written instructions.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2019, XXXX purchases were made by my authorised user, XXXX XXXX at XXXX XXXX for the amounts of {$48.00} and {$82.00} in XXXX, NY. All of these items were returned on XX/XX/2019. The items returned were phone cases and screen protectors for the incorrect phone. Refunds from XX/XX/2019 were for {$48.00} and {$26.00}. I am disputing the amount of {$55.00} because I returned all items from the receipts, but was not refunded for all of them.