Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Seized or attempted to seize your property

On or about XX/XX/XXXX I received a debt collection letter from XXXX & XXXX regarding an alleged debt on Citibank credit card account # XXXX. I promptly disputed and requested validation pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692-1692p., as there was no valid debt associated with that account. XXXX and XXXX failed to properly respond to my validation request. On or about XX/XX/XXXX XXXX & XXXX filed a lawsuit on behalf of Citibank , N.A . case # XXXX. I did not know the correct procedure to Answer the complaint, and a default judgment was entered against me on or about XX/XX/XXXX for approximately {$30000.00}. In XXXX of XXXX I had to short sale my house, and it was discovered that XXXX & XXXX had put a lien on my house. My realtor negotiated a payoff of {$2000.00} which was sent to Citibank via XXXX & XXXX out of escrow to complete the short sale and remove the lien. On or about XXXX of XXXX, Citibank , N.A . returned the {$2000.00} check as a refund on the account proving there was no debt attached to this account. This also proves that XXXX & XXXX was fraudulently trying to collect on an alleged debt which again was never properly validated. At this point Im not sure how many violations of the FDCPA are involved. The have damaged my name and my credit, not to mention the stress, coercion, intimidation fraud and extortion actions. Shortly thereafter I found an administrative remedy to create a solution. This process started on or about XX/XX/XXXX and ended on or about XX/XX/XXXX. Both XXXX & XXXX and Citibank , N.A . have failed to respond to my affidavits. My administrative remedy created an administrative judgment against them for damages. In XXXX XXXX & XXXX stole {$120.00} from my bank account. I also recently discovered that on or about XX/XX/XXXX XXXX & XXXX filed a motion to renew the fraudulent judgment Case # XXXX and they have a hearing scheduled for XX/XX/XXXX. 
XXXX & XXXX have never properly validated the alleged debt they were trying to collect and failed to prove their claim. 
Citibank , N.A . returned and refunded money to me sent to them on this same account proving there is no debt associated with this account. 
XXXX & XXXX and Citibank , N.A . both have failed to respond to my affidavits with an affidavit thereby proving my claim, and admitting damages to me in the process. 
I have attached the refunded check and un-rebutted affidavits as evidence in this complaint. XXXX & XXXX and Citibank , N.A . 's failure to respond in affidavit form rebutting anything I have stated in affidavit form proves my claim and damages owed to me. Case # XXXX needs to be vacated and or satisfaction of judgment needs to be entered. Failure to comply with in 30 days will result in copies of this complaint being sent to any and all governing bodies, FTC, DOJ, IRS, Attorney General of California, and XXXX XXXX XXXXXXXX XXXX XXXX 
Without Prejudice, XXXX XXXX
Complaint sub-issue: Fee problem

I had a US Bank Silver Checking account XX/XX/XXXX-XX/XX/XXXX. 
Savings UsBank Package Money Market opened at same time, balance was {$0.00}. It wasn't utilized. 

Statement XX/XX/XXXX - XX/XX/XXXX *US Bank automatically enrollment in overdraft protection. 
- Overdraft Protection Law Violation *XX/XX/XXXX- XX/XX/XXXX Nine 7  fees associated to this violation and Overdraft Protection Law Statement XX/XX/XXXX - XX/XX/XXXX Four additional Overdraft fees XX/XX/XXXX - Closed account fee {$30.00} Total : {$340.00} + {$30.00} = {$370.00} {$370.00} Reported to XXXX XXXX XX/XX/XXXX US Bank automatically connected Savings with {$0.00} balance to Overdraft Protection. 

Overdrafts issued on ATM withdrawal. 

Remove me from XXXX XXXX immediately and pay any fines fees for Violations. 
Admit Fault. 
This has caused me tremendous damages.
Complaint sub-issue: Was not notified of investigation status or results

I have been trying to dispute false information on my credit reports now for almost a year. The most recent letters I have sent were on XX/XX/2021. To this day over 30 days later I have not received a response yet. Equifax, XXXX, and XXXX  are reporting false and misleading information on my credit. This is in violation of the FDCPA section 807. These false items are preventing my family and I from being able to move forward with our life 's. Not only are they reporting bankruptcies with false information, they are reporting negative accounts that should have been removed due to the bankruptcy. My rights as a consumer are being violated and I am highly upset. It has been over 30 days since my most recent letter the the bureaus and I have not gotten a response. This has been going on for almost a year now. This is completely unacceptable. I demand the following items be deleted from my credit reports. 

Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account Number : XXXX, Account Number : 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 Account Name : XXXX XXXX  Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : U.S. DEPARTMENT OF EDUCATION Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report.
Complaint sub-issue: Debt is not mine

Debt reported on credit stated I opened a account in   XXXX  .
Complaint sub-issue: Problem with fees

I've been a user of Citibank XXXX XXXX credit card for more than 15 years, and kept my balance clean and used only for emergencies. 
I've always have paid it in time, and never had an issue with anything. 
I used it this year for unexpected expenses and I just noticed that they started charging me for a service I never requested ( XXXX ). 

The people at Citibank and as well as XXXX made it very difficult to find the right department to talk to, and the service has been cancelled, but they could not guarantee that they will reimburse all the charges they have been including regarding that service. 

This seems to be related to a practice for which Citibank was already fined back in 2015
Complaint sub-issue: Information belongs to someone else

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the equifax data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the ftc.
Complaint sub-issue: Debt is not mine

I cancelled service with XXXX till I returned from a trip and requested it to be reinstated. XXXX was sold to XXXX within in the next few months and filed a claim to enhance their financial books. 
This happened several years ago and XXXX has sent XXXX different collection agencies after me aiming to harm my credit. XXXX is apparently as corrupt and lacks business morals as XXXX.
Complaint sub-issue: Information belongs to someone else

Dear DataX Inc, My name is XXXX XXXX and I am writing because of some mis-printed information that is being held in your computer system. DataX has interpreted itself as a furnisher of consmers ' financial integrity, under the FCRA. 
Recently, many consumers have been targeted with identity breaches and the hi-jacking of their personal information from many of the outsourced IT and service center vendors, put in use to considerably cut costs on american labor. 
In keeping with this information. I believe your company may have received some of this bad information, including my name and personally identifiable information. 

I received a letter of denial, dated XX/XX/2020, from XXXX XXXX XXXX XXXX on behalf of the creditor : XXXX XXXX XXXX. It was of very amusing shock to me, listing poor credit performance as the principal reason for credit denial. With a score of XXXX. 
I am adamantly rejecting any knowledge of any financial account being held, under my name, in your reporting system. 
This is a final demand to remove from my report, all disputed enties, complete a timely update, noting the removal of entreies, within a new report and send, immediately, the updated report to me at the listed address on this complaint.

I am gong to forward this complaint as well to the Attorneys General office within your home state. 

Loking forward to hearing from you with the updated report.
Complaint sub-issue: No notice of investigation status/result

I contacted XXXX XXXX XXXX regarding this account and they agree to close it. 
The account is from XXXX/XXXX/2009 is more than seven years. Equifax has refuse to remove it from my credit file because they say is there policy to keep it from the day of last adivity. 
I think they want me to continue paying for the membership. 
Please Help ...
Complaint sub-issue: You told them to stop contacting you, but they keep trying

In XX/XX/2016, I ordered a prescription from XXXX XXXX -- -who is the only option with XXXX XXXX XXXX XXXX  . 

I never received the prescription. They refused to replace it without my paying for the full cost of the medication which was approximately 3X the cost I could get the same drug locally. Therefore, I stopped using the mail order and now use only local pharmacies. 

XXXX XXXX continues to try and collect for a service that was never provided. They hired a company called " NRA '' who refuses to provide any information until you provide Name, Phone, Address, which personally I don't like to provide " in the blind '' on a cold call. Even when I verified my name, that wasn't enough. 

They were trying to collect a debt from 2016. They couldn't provide a name or contact on whose behalf they were trying to collect. I cold called XXXX -- -and finally convinced them to write-off the amount and notify NRA .

NRA is rude, interrupts, and calls multiple times even though they say they put you on the " do not contact '' list and mark charge as " disputed ''.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I contacted  XXXX   XX/XX/XXXX  by online for inquiry removal where in which I have no contract with these entities listed on my report :   XXXX   XXXX    XX/XX/XXXX  XXXX   XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX    XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX    XX/XX/XXXX  EACH COMPANY STATES THE WILL NOT REMOVE INQUIRY BASED ON POSTING IN REPORTS AND SINCE NO AGREEMENT POSTS OR IDENTIFY AS ACTUAL ACCOUNTS ON REPORTS IT IS NOT THEIR FAULT. I REQUESTED TO ALL REMOVED ON THE FACT THEIR ARE NO AGREEMENTS MADE TO POST AND TO PULL MY CREDIT WITHOUT CONSENT.
Complaint sub-issue: Privacy issues

KLARNA XXXX " buy in 4 installments '' plan no longer allows me or other consumers to use our accounts as KLARNA is doing a soft pull on our XXXX credit reports. 

I have never given KLARNA access to my XXXX report. I do not recall them asking for my permission. 

I was in a merchant that KLARNA uses and they were unable to complete my purchase although I had {$590.00} in available credit. I contacted KLARNA on XX/XX/2022 at approximately XXXX EST and was told by a representative that KLARNA decided to " try something new for future purchases ''. 

I feel this is unfair, illegal and very biased. 

Please help.
Complaint sub-issue: Account information incorrect

I was instructed by the XXXX XXXX XXXX to go into my local bank to set up a draft in order to pay my vehicle loan because the current system was not working efficiently. 
I set it up online and thought it was in order, only to find my bank needed me to go in to sign an authorization. At the time I was unable to due to COVID-19, and my payment did not get transferred in a timely manner. I informed consumer credit of the situation and asked for relief under the CARES act. They never informed me that my payment had not arrived and that they were not going to p [ provide me relief under the CARES act. They are reporting my payment as late. I have never had a late payment on my credit anywhere and all payments have gone through as planned ever since getting my draft. 

I am seeking relief under the CARES act for incorrect reporting of payments.
Complaint sub-issue: Their investigation did not fix an error on your report

I opened a Macys credit card to purchase my dress and take advantage of the promo the sales woman prompted. If I would have known all of this was going to happen and affect my credit I had the cash and could have paid that day. I gave the service agent at Macys my ID but also provided my new address. I never received a bill and they called me about a past due bill which I paid that day. I explained to the rep I never received a bill and confirmed my mailing address which they confirmed was wrong. I then gave them my address again. They are reporting a late payment on my credit which if you look at all other accounts I have never fallen delinquent. This is in violation of my consumer rights and is affecting my credit worthiness. The XXXX should be reporting this as paid and this should be removed from my credit history as it was originator error. Please find remedy immediately or I will be forced to file suit for XXXX, XXXX which each regulatory finding has a statutory damage up to {$1000.00} per finding. This is once again affecting my credit worthiness due to originator error.
Complaint sub-issue: Public record information inaccurate

XXXX XXXX declined my application for financing the purchase of a new phone solely because I have another account with them. Earlier this year I purchased a XXXX phone using their promotional incentives Even though that account is many months ahead of current. I wish to file a complaint in that it precludes me from taking advantage of the offers otherwise available to XXXX customers including the trade in of my XXXX and the add-ons for the XXXX. 

Moreover, XXXX XXXX has been unresponsive in resolving this issue.
Complaint sub-issue: Account status

In XXXX of XXXX, I was approved for a {$600.00} personal loan by the XXXX XXXX XXXX XXXX of XXXX, NJ. I paid the loan off in XXXX of XXXX, the final payment being a little over XXXX days past-due. That is how the account was reflected in my credit reports, until XXXX of XXXX, when all of a sudden, it started showing I was past-due XXXX days. The dispute number I cited above, which was for a dispute with Equifax, is one of several disputed I have submitted since I discovered this on my credit report. Each dispute has been to NO AVAIL. The continue to report the offending information and I keep hearing the same excuses from the credit union and the credit bureaus. The credit union says they took the necessary steps to remove the item and the credit bureaus INSIST that they only report what the credit union submits to them. I do n't know who to believe. By now, I am thoroughly frustrated with this highly impersonal and anti-consumer process, which has proven to me how powerless we are in situation like this. I need someone to SUPERVISE the provess, on BOTH ends, so this can finally be resolved. This has affected my ability to get cheaper credit, apply for work, or apply for an apartment rental. I am appealing to you as a last effort before I seek legal representation, although I feel I should n't have to. THIS IS A STRAIGHFORWARD CASE. What they are reporting is INCORRECT, and is damaging my credit score by approximately XXXX points!! Please investigate this and help me resolve this.
Complaint sub-issue: Problem with personal statement of dispute

I've sent numerous certifies letters to all XXXX major credit bureaus including the Collection agency XXXX XXXX XXXX ( XXXX ). They're reporting a debt that I'm not familiar with and they have not explained to me where this debt is from nor have they validated the debt for me Its been over 60 days and this is really starting to hold me back from me closing on my home for myself and children. Im a hardworking single mother and this just isn't right. I really need assistance with this matter, Please!
Complaint sub-issue: Information belongs to someone else

I submitted the proper paperwork to Equifax to remove the fraudulent accounts from my credit report and Equifax did not remove them. I contacted Equifax and they told me it would take 30 days, however the Fair Credit Reporting Act says the accounts must be verified or blocked in 4 days.
Complaint sub-issue: Information belongs to someone else

Ive been battling with identity theft for years and now theres 3 new collections on my report that I never Opened. 3 new collections have been added to my credit report that is fraud and have not been opened in my consent on my XXXX  credit file. XXXX XXXX XXXX XXXX XXXX Balance date : XX/XX/2018 with balance : {$40.00}. Another XXXX XXXX XXXX XXXX XXXX with balance of {$280.00}. XXXX XXXX XXXX open date XX/XX/2018 Balance : {$880.00}. These are ALL fraudulent accounts in my name. 

There are 7 fraudulent accounts in my name reported on my Equifax account. 
Names : XXXX - medical collection balance {$330.00} XXXX XXXX XXXX - Balance {$350.00} First Premiere - Balance {$320.00} XXXX XXXX XXXX - Balance {$890.00} XXXX XXXX XXXX - Balance {$570.00} XXXX XXXX XXXX - Balance {$400.00} XXXX/XXXX  - Balance {$570.00} THESE ARE ALL FRAUDULENT ACCOUNTS MADE BY SOMEONE ELSE AND NOT ME. These need to be removed.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later 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 30days 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, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX  XXXX XXXXXXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Account status incorrect

After finding out in XXXX ( while trying to get better interest rates and an increase on another card ) that my credit report had an incorrect late, recent payment reporting on my account I filed disputes with credit bureus and filed a consumer complaint about the situation so XXXX executive office took the case and only spoke to me about the problem and how it was being corrected, nothing about compensation and why I asked for it. She has sent necessary paperwork to have my credit report corrected but declined to compensate me for the months that the company has incorrectly reported on my account only ( was a  joint account and other borrower stated his account wasn't affected ) even though in an email I told her that it has negatively affected me. I've been seen as a risk because there was a recent late payment which is still reporting thus far and my credit score is lower than it should've been ( should change within the month hopefully ) and I have documentation from when I applied for an increase in credit that also shows that this was a factor when I applied. Had I not been looking into better rates or an increase in credit this could've went on for more months if not years and has caused me to pay more money in finance/interest charges and it's due to no fault of my own because late payments affect your credit score. As you'll see I've been given the run around quite a bit dealing with varies representatives with the bank, I called back in XXXX and XXXX verifying things were fine only to learn while conducting business elsewhere in XXXX/XXXX  about this negative payment that I verified back in XXXX should've fine.
Complaint sub-issue: Information is missing that should be on the report

I am attempting to get a mortgage approval to buy a home. 2 of 3 credit agencies allowed my credit reports to be pulled by the finance company. Equifax however did not allow my credit report to be pulled because it was locked. 

I called Equifax 's XXXX number three times this morning. Their automated system makes it impossible to speak with someone to fix this. 

I then obtained a secondary Customer Service number of XXXX XXXX. I called it this afternoon and a woman that barely speaks English asked me multiple questions about past mortgages, past loans, addresses, date of birth etc. and said that I was authenticated. She then determined that my current address that I have been living at for over a year and a half was not updated. She refused to update it on the call despite having already authenticated me. 

A third-party company that has incorrect information about me should not prevent me from buying a house. THIS IS RIDICULOUS!
Complaint sub-issue: Information belongs to someone else

15 USC 1681c-2 BLOCK AND DELETE. NOTICE FTC IDENTITY THEFT REPORT - Proof of identity - Copy of Credit Report - FairCredit ReportingAct Section 605B WERE ALREADY SENT TO XXXX / XXXX XXXX XXXX XX/XX/2022.
Complaint sub-issue: Account status incorrect

This is 5th time disputing the same acct XXXX XXXX XXXX XXXX Acct ending in XXXX with equifax i told equifax this acct is closed, but equifax says they show this acct as " open '' stating that the acct is open and they have verfied as accurate. I have also filed 2 complaints with C.F.P.B ( XXXX ), for this same acct and Equifax keeps telling me that they investigated and found that the reporting of the acct as being open is accurate.I find this somewhat strange considering i have called the reporting creditor myself " XXXX XXXX XXXX XXXX '' and i was told they are reporting the acct as closed to all 3 credit bureau 's, which i do believe since XXXX  reports it as closed and XXXX  report it as closed as well.So i suspect Equifax has been doings sham investigations, since that could only be the reason because i have disputed this acct 5 times and they come back everytime saying they verified the information as correct, which is impossible!
Complaint sub-issue: Problem with fees

While checking out at Home Depot the cashier convinced me to open a a Home Depot credit card and get a {$25.00} bonus. I put one charge on the card. 
On XX/XX/2020, I received my first bill for my one and only charge of {$25.00}. The Account Statement showed payment due date as XX/XX/2020. 
The bill was received 5 days after the their posted due date. 
I immediately paid the purchase balance of {$25.00}. The bill was paid online thru XXXX XXXX  and can be verified. I emailed that their billing was sent 5 days after the past due date advising them of the problem. I received no response. 
I have sent 5 emails regarding this matter over the past 90 days with no response. My last emails in regard to their offering to waiver late fees during covid-19 were answered, but turned down. They keep piling on late fees as I try to resolve this issue. 
If the XXXX bill had been sent out in a timely manner this problem would never have happened. I always pay my bills on time. They are also hurting my credit rating. 
I am XXXX years old and somewhat XXXX and XXXX XXXX. I attempted calling on this matter but was cut off several times, probably because my responses were either too slow or not understood. I tried using their email system with little success. This is having an impact on my credit score, my score has always run in the upper 700 to low 800 range.