Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Card was charged for something you did not purchase with the card

I noticed on my statement charges from a store called XXXX XXXX. I did not make these charges and disputed them with Discover whom I have been a great customer with them. Discover denied my claim because The card was not stolen for good. However the card was stolen to be used by someone and then placed back in my belongings. I can not tell you who stole my card and used it because I work for XXXX XXXX  and work with XXXX XXXX XXXX and XXXX. I am a XXXX and XXXX XXXX XXXX as well as in XXXX XXXX XXXX XXXX and then XXXX XXXX. It is a really high pace agency and Many people going in and out. We also do not have cameras set up in every room. I honestly do not know who my card was taken and used but I know that I did not make these charges. I do very well to keep my credit in good standing and make my payments. I pay for what I use. Discover said I was lying and denied any help. I can not release my Clients name nor can I accuse any of them. I have to learn not to be so trusting but we are trying to help rebuild these children. I have now since changed my way of bringing my personal property into agency but I would like to think they company I trust to have credit with would back up what they say they stand for before you sign the credit agreement. I would hope they would trust me and have my back especially since I feel I am a good customer. I would like for these charges for XXXX XXXX to be removed so I Can pay off the balance. My home was destroyed in Hurricane Florence and I have a lot of rebuilding to do and financially I am hurting and do not have money to just throw away. I can not stay with a company that will not have my back and I can not sit back and keep quiet about the lack of compassion or help. I do not want to have to close my card but I will and take my money somewhere else.
Complaint sub-issue: Problem using a debit or ATM card

I did a dispute from my bank on XX/XX/XXXX for the amount of XXXX and its been past the 90 days and i havent heard anything back from them about it and i did another dispute last week for the amount of XXXX and still havent heard anything back from them. I didnt even received any provisional credit or no decision
Complaint sub-issue: Account terms

I have attempted to dispute the date of XXXX delinquency of an account from XXXX 2008 as listed on my credit file to XXXX 2008. 

I have attempted to have this information corrected XXXX and XXXX times I have been provided with an account history that shows the account became delinquent on XXXX, XXXX, 2008 and was never brought current ; however, I was told, via letter, that they will only validate the debt once more and my disputes are now considered frivolous. I do not feel that incorrect data on my credit report is frivolous. 

It is possible that I disputed incorrectly the XXXX time, but the XXXX time I was very explicit that I was disputing the Date of First Delinquency and this is evident from the information provided to me from Equifax stating that XXXX XXXX XXXX has verified that the date is being reported correctly. 

Since I can not get a resolution from either party, I have no recourse but to file this complaint.
Complaint sub-issue: Information belongs to someone else

three fraud accounts are reporting under my credit file under equifax, these three accounts were disputed several times and no answer from equifax they can not help me and wont help me, they dont even place disputes, each time i call they say its on dispute or they says we can not place under dispute. please help my whole life has stopped because of these fraud account that were opened without my knowledge, i research and found your website, i figured it is better to try then just sit and do nothing, please i will be attaching my FTC report and the police report. 
appreciate your help
Complaint sub-issue: Information belongs to someone else

I HAVE FOUND INFORMATION THAT I BELIEVE IS FRAUDULENT IN MY CREDIT REPORT THIS INFORMATION IS DEROGATORY AND DAMAGING TO MY CREDIT. 
PLEASE HELP ME TO CLEAR THIS ERROR.
Complaint sub-issue: Threatened to sue you for very old debt

Bay Area Credit, I have informed them this is not me. Also they have harrassed my mother, my kids and my work and have yet to contact my phone. I talked to them on my daughters phone they refused to give me any info on the acct also told me if i didn't pay it i would be Sued. I don't know this acct or where its from, what its about. She wanted me to giver her my info but refused to give me any info abt the acct.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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
Complaint sub-issue: Debt was paid

This was an XXXX DOLLAR CHARGE FROM 2013!! I PAID IT OFF MORE THAN 40 DAYS AGO. IT IS STILL SHOWING UP ON MY CREDIT REPORT ON EQUIFAX. THE PEOPLE AT XXXX XXXX XXXX ARE SO STINKING RUDE!!!!
Complaint sub-issue: Was not notified of investigation status or results

I am requesting that my credit report dispute be reviewed. This is the 4th attempt to get items corrected on my credit report. I have provided exact items on my credit report that are reported inaccurate and per the fair credit reporting act - inaccurate information is not supposed to be reported on a credit report. Please do not delete my credit report as this is a request to correct the certain errors on my credit report that I am pointing out to you. 
I take my credit report status very seriously as credit is a huge factor that determines my life and I want only accurate information reporting and reflecting on my credit report. Please review and correct or review and delete the inaccurate information asap.
Complaint sub-issue: Was not notified of investigation status or results

I sent letters on XX/XX/2021, in regards to things that are inaccurate and unknown on my credit report. To this day, over 45 days later, I have still not received a response yet. I feel like Im being taken advantage of and like my disputes are being ignored. In Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately from my credit report 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 gotten into the hands of the wrong person.
Complaint sub-issue: Problem making or receiving payments

I HAVE ALREADY SUBMITTED A COMPLAINT # XXXX BUT DECIDED TO CALL CITIBANK AGAIN TODAY AND TRY TO RESOLVE THE MATTER. AS I STATED BEFORE THEY SENT ME A PROMOTION ( SEE ATTACHMENT ). I SUBMITTED MY DEPOSIT ( SEE ATTACHMENT ) AND WAS TOLD BY XXXX XXXX ( BRANCH MANAGER ) I WOULD RECEIVE XXXX POINTS SOON AFTER THE REQUIRED 60 DAYS WAS UP. AFTER 60 DAYS I CONTACTED HIM AGAIN AND HE SAID HE WOULD LOOK INTO IT AND THAT I SHOULD RECEIVE THE POINTS SOON. WELL THIS SCENARIO REPEATED IT SELF FOR SIX MONTHS. WHEN I CALLED XXXX ( BUSINESS CHECKING NUMBER ) THEY SAID I HAD TO GO THROUGH MY BRANCH FOR THE PROMOTION AND THE BRANCH SAID I HAD TO GO THROUGH THEM. ALL THE WHILE I WAS ASSURED THAT I WOULD BE GETTING THE POINTS ANY DAY. TODAY I TALKED TO XXXX? ( VERY RUDE ) TEAM # XXXX. SHE FIRST SAID I WOULDN '' T RECEIVE THE POINTS BECAUSE THEY TOOK OUT {$15.00} EVERY MONTH IN MAINTENANCE FEES. I HAD TO POINT OUT TO HER THAT ON THE PROMOTION IT SAID THERE WOULD NO FEES!!!! SHE THEN CHANGED HER TATICS AND SAID I DIDN'T QUALIFY BECAUSE ONLY {$200.00} OF MY {$5000.00} CHECK WAS AVAILABLE TO BE WITHDRAWN WHE I FIRST SUBMITTED IT. I HAVE LEFT {$5000.00} IN THIS ACCOUNT FOR THE LAST 6 MONTHS AND WAS NEVER TOLD ANYTHING EXCEPT YOU WILL BE GETTING YOUR POINTS SOON!!! I AM GOING TO CLOSE MY ACCOUNT BUT FEEL LIKE I HAVE BEEN RIPPED OFF AND LIED TO!!!!
Complaint sub-issue: Reporting company used your report improperly

Equifax allowed a major breech of their system, resulting in my personal information being obtained by unauthorized parties, potentially resulting in financial and credit ramifications for my family and me.
Complaint sub-issue: Charged too much interest

Citi Card has misled us with a 0 % APR offer on a card that we already had, but were using when we accepted this offer. <P/>They forced us to have a NEW card sent for an offer that  started on XXXX XXXX 2016. <P/>They did not tell us what was our " pre XXXX XXXX 2016 " balance so that we could pay off the entire balance as we usually do. We had to guess. And we overpaid that transfer amount. Also, we asked for help through their online portal to an agent, who thought we were asking something else, and did not answer my question. They tricked me through false or misleading advertising claims. <P/>They fees & trailing fees are fraudulent and I have asked them twice to refund them and even when I had a credit balance from over paying to avoid their mistake, they justified charging fees. <P/>Second, we have a problem with a 2nd Citi card about the same time. They do not reduce your amount " due in full '' when you have a suspicious charge under investigation inquiry. So, I cancelled a payment and then set up the same payment for the correct amount. They charged me a late fee of {$25.00} for doing this and also charged me interest until I was paid and no longer using their cards! We have paid off all of our balances to {$0.00} and have a really goo FICO score around XXXX. <P/>For CFPB 's convenience I have attached the 2 recent letters that I sent to Citi Card. They wrote us back yesterday saying that they were justified, but they are not. That is the reason for my complaint!
Complaint sub-issue: Attempted to collect wrong amount

I DO NOT owe this debt.. I asked enhanced recovery ( XXXX ) to prove that I owe this debt and to verify it with some sort of original contract but they did not. They sent a bill with a balance.
Complaint sub-issue: Public record

The Fair Credit Reporting Act and the Bankruptcy Laws state that bankruptcies ca n't remain on a credit report for longer than 7 or 10 years, whichever is the case. By the language of the Laws, it does n't state the bankruptcies Must Or Has To stay on a credit report for a certain period of time. Personally, I believe the credit bureaus keep bankruptcies on credit reports for as long as the law allows them. In my opinion, credit bureaus do this because they are in this together with financial institutions. The lower the credit score, the higher the interest rates banks can charge. Again, the law does n't say that bankruptcies Must remain on credit reports for 7 or 10 years. I 'm requesting that my XX/XX/XXXX, Chapter XXXX, be removed from my credit report. Also, I 'm requesting, that my XX/XX/XXXX Chapter XXXX bankruptcy be removed from my credit report. The Chapter 13 is over 9 years old and the Chapter XXXX is over XXXX years old. Both bankruptcies were the results of a terrible divorce that left me in heavy debt. By law, Equifax can and should remove these items. I 've suffered enough in my opinion. If Equifax chooses not to remove these items immediately, I 'm requesting in writing for the reason. Section 605 ( 1 ) Cases under title 11 ( United States Code ) or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. In other words, the credit bureaus ca n't have negative items on credit reports for longer than 10 years. Sadly, it 's in the hands of Equifax on when these bankruptcies will be removed from my credit report. It just ca n't be longer than 10 years.
Complaint sub-issue: Account information incorrect

The attached account reporting on my credit profile is incomplete. Per the FCRA, only accurate and complete verifiable information can be reported. The attached account is in violation of the FCRA and must be deleted immediately. I have written to Equifax on XX/XX/22, XX/XX/22, and XX/XX/22 with no results.
Complaint sub-issue: Information belongs to someone else

XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Reported : XXXX XXXX, XXXX XXXX XXXX Reported : XXXX XXXX, XXXX XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report since XX/XX/XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here are the list of items that needs to be deleted in my file : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$9100.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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: Credit inquiries on your report that you don't recognize

XXXX XXXX has several hard inquiries on my credit report from XXXX and XXXX. I have never inquired for any type of loan with XXXX XXXX. XXXX XXXX is reporting a credit inquiry for a business that I was once a member of and not the primary gaurantor because the company was a LLC. These inquiries for credit were not made by me. Also, XXXX XXXX is breaking the FCRA. Only personal requests for credit should be reported. The inquiry is for a business I no longer work for and do not own and it should be reported as a personal credit inquiry.
Complaint sub-issue: Their investigation did not fix an error on your report

ON XX/XX/XXXX I MADE A PAYMENT AGREEMENT WITH THE CREDITOR " XXXX XXXX '' ON MY CREDIT REPORT. IT WAS A CHARGE OFF. XXXX XXXX  HAS NOT REPORTED PAYMENT OF THIS CHARGE-OFF 'D ACCOUNT AS " PAID OR PAID CHARGE-OFF ''. I HAVE DISPUTED THIS 2X ALREADY. ASKING TO HAVE THIS ACCOUNT REPORTED ACCURATELY AND SPECIFICALLY AS A " PAID - CHARGE-OFF ''. CURRENTLY MY CREDIT REPORT UNDER THIS ACCT HAS MY " CURRENT ACCOUNT STATUS '' as CHARGE-OFF '' I GET EMAILED THAT THE DISPUTE HAS BEEN RESPONDED TO. THE DISPUTE ASKS FOR " VERIFICATION OFF PAID CHARGE-OFF AS AGREED '' STATUS THE CREDITOR RESPONDS " THERE IS A XXXX BALANCE / ACCT IS CLOSED '' AND IM TOLD THAT THIS DISPUTE HAS BEEN ANSWERED. IT HAS NOT BEEN ANSWERED... THEY DID NOT EVER STATE THAT THE CHARGE OFF IS PAID OFF AS AGREED. EQUIFAX REPS TELL ME THAT THEY HAVE RESPONDED TO MY DISPUTE... BUT THEY HAVE NOT. EQUIFAX TELLS ME THAT " ACCOUNT PAID/ XXXX BALANCE / ACCOUNT CLOSED MEANS " CHARGE OFF PAID '' BUT WHEN I ASK THEM TO THEN CORRECT MY ACCOUNT STATUS TO REFLECT THE DISPUTED " CHARGE OFF as " PAID CHARGE OFF '' THEY SAY " XXXX XXXX NEVER REPORTED THAT IN THEIR RESPONSE TO MY DISPUTE..THEY SAID XXXX BALANCE / ACCOUNT CLOSED '' THEY CANT MAKE CHANGE BECAUSE IT WASNT REPORTED THAT WAY '' I SAY ... THEN THEY HAVE NOT ANSWERED MY DISPUTE!!!! I ASK FOR A SUPERVISOR ... GET PUT ON HOLD THEN HUNG UP ON. 4X IN A ROW ON XX/XX/2021. 

CANT BE RESPONDED TO DISPUTE ... .THEN SAY YOU CANT MAKE CHANGE BECAUSE THEY DIDNT SAY IT IN DISPUTE DIRECTLY... THEM NOT ANSWERING IF THE ACCOUNT IS A " PAID CHARGE OFF IS WHAT I DISPUTED AND WHY ITS NOT REFLECTED ON MY REPORT. THEY NEVER ANSWERED THAT ... .BUT SAID AGAIN ... XXXX BALANCE - ACCOUNT CLOSED. THAT WAS TAKEN AS AN ANSWER TO MY DISPUTE ABOUT IT BEING A PAID CHARGE OFF. 

THEY REFUSE TO ACKNOWLEDGE DISPUTE WAS NOT ANSWERED PROPERLY THEN AND SAY THAT IT IS BEING REPORTED PROPERLY. PLEASE HELP WITH THIS ISSUE AS I HAVE DISPUTED MULTIPLE TIMES WITH EACH AGENCY WITH NO PROPER RESULTS ON DISPUTES OR HOW REPORTED ON CREDIT REPORT. EQUIFAX IS RUDE... UNPROFESSIONAL UNWILLING TO FOLLOW OR MAINTAIN THE GUIDELINES THAT CREDITORS HAVE TO ABIDE BY IN THESE INSTANCES AND I WAS TOLD TO CONTACT CREDITOR... REALLY ... I DID.. THRU EQUIFAX AND THEY TOOK A NO ANSWER AND MADE IT AN ANSWERED AND CLOSED DISPUTE.
Complaint sub-issue: Reporting company used your report improperly

FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I DO NOT VALIDATE THIS DEBT
Complaint sub-issue: Frequent or repeated calls

The company, dollar loan center, calls my personal phone and my work repeatedly around 10 times a day. I have the times and dates in my phone log if needed. They are getting me in trouble with my work.
Complaint sub-issue: Account status incorrect

In XX/XX/2018, I sent a validation letter to all three credit bureau 's. XXXX responded back stating this debt was not valid, and would be removed. I sent a follow suit letter to XXXX, along with Equifax. They as well agreed that this debt was not valid. Upon recently checking my credit report, Both XXXX   and Equifax have NOT removed this debt off of my report.
Complaint sub-issue: Threatened to sue you for very old debt

A rep for USI Solutions contacted me Friday threatening to sue me for a XXXX XXXX account XXXX that is more than 7 years old and past the statue of limitations. i explained to her the account age and asked her not to contact me, today i received a letter in the mail stating if i do not make arrangements to pay them within 30 days they were going to file a judgement against me which is illegal because of the SOL law.
Complaint sub-issue: Banking errors

On Monday XX/XX/XXXX I chatted with Citibank and requested three stop pays on payday loans for XX/XX/XXXXXX/XX/XXXX. I received verification of the stop pays in the mail. On XX/XX/XXXX they posted. I messaged them again on XXXX to inquire about them and was not given a response as to why the stop pays werent honored. Instead, they asked me if I had revoked the debits and I said yes. They told me that they would open a dispute and it would be settled within 10 days. In the meantime, they have been charging overdrafts and returning items! I had also asked that they stop and further ach debits from my account. This is not happening. I want the items returned and any overdraft fees reversed as this was their error and not mine. This is not the first time theyve not honored a stop pay. Very deceptive.
Complaint sub-issue: Reporting company used your report improperly

To Whom It May Concern : Equifax, XXXX, and XXXX are still in violation of XXXX USC 1681 b ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with written instructions of the consumer. 
I, THE CONSUMER, have never given Equifax, XXXX, and XXXX any written consent to report anything on my consumer report. No consent is identity theft. I have filed an identity theft report through reportfraud.ftc.gov ( report number ending in # XXXX ) that states there are 15 accounts being illegally furnished on my consumer report. 

I demand that Equifax, XXXX, and XXXX remove these inaccuracies from my consumer report. I will not extend my credit to anyone or allow Equifax, XXXX, and XXXX to furnish a report for me. I state that pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is dependent upon fair and accurate consumer reports. By Equifax, XXXX, and XXXX allowing inaccuracies to be furnished on my consumer report, has caused me to lose confidence in the banking system. Equifax, XXXX, and XXXX must delete these inaccurate accounts from my consumer report if they want to continue doing business with me. 

Below are the accounts that Equifax, XXXX, and XXXX need to remove immediately : Department of ED/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX accounts ) XXXX XXXX XXXXXXXX ( XXXX accounts ) XXXX XXXX XXXX XXXXXXXX XXXX Department of EDU XXXX XXXX XXXX Department of EDU XXXX XXXX XXXX XXXX XXXXXXXX I have also filed previous CFPB reports on Equifax, XXXX, and XXXX for the same issue and have been accused of using third-party assistance which has never been the case. Equifax, XXXX, and XXXX have employed multiple deflection and stall tactics to delay removing the accounts listed on my consumer report.