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

There is a bill that has been sent to me since XXXX for a Mastercard that I don't have.I called and tried to explain to the representative but all she wanted was my account number and I told her all the acct # that I had was on the bill they sent me and it was not mine so I was not giving it to her. I kept telling her that I don't have one and that if i did have the card wouldn't I have to activate it first in order to purchase something. She said yes but she still needed it to verify my account before she could help me. Then she wanted my phone number so I gave it to her and then she wanted my Social Security number which I told her NO that I may be old but not stupid. I'm XXXX years old and I have a credit card and a Sears card and I'm on Social Security but she didn't want to hear that either so I hung up the phone.On XX/XX/2020 I received a letter from Citi Cards stating that they would not call me about my past due account. Here it is now XXXX and I just got another bill for {$190.00} for past due account.I am so tried of these people saying I owe them money when I don't have their card. Please help me cause I have tried to deal with them in writing and calling but nothing seems to help. I feel like they have targeted me because I'm a senior citizen. You are my last hope. Thank You
Complaint sub-issue: Frequent or repeated calls

They are calling me at least two times a week reguarding a medical bill that is very old from about XX/XX/2012 I told them I was covered by insurance I told them to take it up with my current insurance and they are not doing that they are keep calling me asking me to pay a bill
Complaint sub-issue: Debt is not yours

( AR RESOURCES INC ) at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) has been sending me collection notices in the amount of ( {$320.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Complaint sub-issue: Debt is not yours

every day for over 2 weeks i get a call at XXXX from best buy Citibank card asking if I am someone else. I don't have a best buy card nor do I bank at Citibank.
Complaint sub-issue: Public record information inaccurate

I believe on XX/XX/2021 Equifax removed a public record ( bankruptcy chapter XXXX XXXX from my credit report, due to not being able to verify that information. But for some reason that public record reappeared on my Equifax credit report XX/XX/2021. I really feel like the credit bureaus are breaking the law by doing this. Multiple times i had sent proof that the courts does not verify bankruptcies with the credit bureaus. Equifax deleted that account due to lack of verification. Im disappointed that they are being untruthful and went against the fair credit act and added back to my report just to make a dollar off my name.
Complaint sub-issue: Trouble getting a working replacement card

I started my unemployment on XX/XX/2020 and still have not received a card. I have called multiple times
Complaint sub-issue: Reporting company used your report improperly

I'm a victim of identity theft and I didn't apply for anything with CBNA. 
Where's the copies of the signed docs that were filled out when I supposedly applied for an account on XX/XX/19? Please provide me with all written documentation within 15 days because this is a violation and you must DELETE it from my credit report. 

Please attach a document on your company letterhead stating your findings and result of deletion of this inquiry. 

Thank you
Complaint sub-issue: Trouble with how payments are being handled

When it came time to repay my student loan I was not sure of the best value. Between the provided tool and my financial planner I decided on the extended fixed payment plan, with a payment of {$600.00} ( adding {$60.00} extra ) for a term of 20 years. I made sure to do direct deposit for the 0.25 % savings and the ease of setting/forgetting. In XX/XX/2017 I received a notice that an Income-Driven Repayment Plan was approved. Having been told I was ineligible for that option due to my income I let that slide - had to be an error. When a paper slip mentioned a bill of {$0.00} I complained to the XXXX customer service - received no help, was told that I obviously put the change there ( when I had not ), never mind there being no income to draw from to make an IDP estimate. Frustrated I decided to continue paying $ XXXX/month in spite of having XXXX balance bills so that I would not be behind on my payments. In XX/XX/XXXX/XX/XX/XXXX I got a notice that my IDP was set to expire. By the end of XX/XX/XXXX (XX/XX/XXXX ) when it expired my payment went to $ XXXX/month with the added {$60.00}. Panicked I signed up for the IDP before remembering that I wanted the Extended Fixed Plan. The same evening I signed up for the Extended Fixed Payments plan. Seeing no movement I applied for that plan again. Now the XXXX program wants me to pay $ XXXX/month even after I've put in paperwork months prior to change my repayment options.
Complaint sub-issue: Reporting company used your report improperly

I would like to have a bankruptcy remove off my credit. I have contact the federal courts about the bankruptcy which they sent me a letter stating that they do not provide information with reporting agency and the reporting agency has went through a third party XXXX XXXX to obtain information which is incorrect.
Complaint sub-issue: Reporting company used your report improperly

My name is XXXX XXXX, and I became an American citizen approximately 10-years ago. Being from the island of XXXX where I was born and raised, I came to America to better myself as a member of a minority group. I started college back in 2007 to obtain a certification in the XXXX XXXX. Today I XXXX XXXX XXXX in a XXXX XXXX located in XXXX, Massachusetts. Over the past two years I combined my student loans that equate to approximately {$46000.00}. This is equal to a little less than one-years salary. My goal is to pay off my student loans within 5-years with a great game plan. However, while I was in deferment in my student  loans, I was never contacted by the Department of Education as to when payments should proceed. For several years I have not received any notices, nor was I ever called by the Department of Education. Recently, I started receiving notices from a qualified collection agency associated with the Department of Education called XXXX XXXX , XXXX. I successfully changed the status of my student loans to a payment processing arrangement, and I believe that I should be eliminated from the Department of Education data-base. The Department of Education is complicit making me appear as a person trying to dodge paying on her student loans. I find this practice highly discriminatory against a person in the minority status who was only trying to improve her position in society. The Department of Education should delete its credit reporting history on me completely and move it over to XXXX XXXX , XXXX. I have attached a copy of the repayment agreement with XXXX XXXX , XXXX, that I received after submitting proof of employment and monthly income. Otherwise, I am held in financial limbo while the Department of Education moves my files over to the new collection entity, and this will only hinder my progress on buying a home for my family. The Department of Education should either report the accounts as current or delete the payment histories altogether and move the files to the new agency known as XXXX XXXX , XXXX.. I respectfully request the associates credit bureaus such as XXXX, Equifax and XXXX XXXX to see if my rights under the Fair Debt Collection Practices Act are being held to the standard guaranteed to me by legal recourse.
Complaint sub-issue: Their investigation did not fix an error on your report

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Complaint sub-issue: Other problem getting your report or credit score

Equifax does not find my file. I put my information several times, I called them 3 times, they don't look at my case. I typed my XXXX ( XXXX ) in te regiser form and even so they can't find my file.
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX ( Original Creditor : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Attempted to collect wrong amount

XXXX XXXX XX/XX/2017 Act. # XXXX {$6700.00} There is also a collection agency by the name of " MRS BPO LLC '' that is also trying to collect a debit at different amount. There are big discrepancies There is a soft pull on my credit file please delete this account from credit report.
Complaint sub-issue: Fee problem

Close to XX/XX/2021 I opened a dispute for a ACH transaction. I received a letter in the mail and is more than 10 days and I havent received temporary credits for the transaction and overdraft fees charged by US Bank. 
I called again and they said that they are going to reopen the dispute, I dont understand why I have to reopen a dispute that was opened before. 
Now I see a transaction for {$360.00} with a name of Forced Post ACH, I dont understand what is this transaction for, I havent provide that information to anyone.
Complaint sub-issue: Overcharged for something you did purchase with the card

I bought furniture items from XXXX furniture store in XXXX XXXX totaling an amount of {$5100.00}. The furniture store representative told me that there was a two-year promotion where I could set up monthly installments to pay off the whole amount. I did that. However, XXXX did not apply any of the monthly installments to that promotional amount which shows on my statement as {$3500.00}. Also, they fined me any additional {$2000.00} in XXXX XXXX for not paying the furniture amount in full. All this time, I was under the impression that the monthly amount was going towards the furniture. I have paid a total of {$8000.00} from XXXX XXXX - XXXX XXXX to XXXX XXXX. Their last statement says I owe them {$5100.00} after paying this amount. 

Please note the following : 1. Attached are my bank statements from XXXX XXXX which details the monthly payments that were made to XXXX every month. Please note that while going through my bank account, I found that although a monthly automatic payment was set, the monthly amount every month kept changing from my account. The automatic payment does not show here as one constant number which it should. I am not sure why the money paid to XXXX kept changing every month. I do not recall changing that amount every month. 
2. Receipt of the purchase of the Sofa and Mattress totaling {$5100.00} on XXXX/XXXX/XXXX 3. My bank statement from XXXX/XXXX/XXXX says it as an automatic payment but again that amount differs every month. I would not change the automatic monthly payment every month by a few dollars and cents. 
4. The automatic payment seems to have started in XXXX after buying the furniture when I had set the automatic payments at the time of purchase of the furniture in XXXX. 
5.During the time period from XXXX - XXXX XXXX did not call me even once to ask for payment or to let me know that the promo on the furniture was ending and that they were going to fine me {$2000.00} for not paying it in full. All this while I was under the impression that the furniture was being paid for through the monthly installments. 
6.If you look at the XXXX statements that I have attached ( they do not have prior to XXXX XXXX on the online account ), none of my monthly payments were going towards the furniture amount of {$3400.00} which they have put as a 24-month promo. 
7. The XXXX XXXX XXXX statement shows that the payment of {$98.00} was applied to the furniture amount after the fine of {$2000.00} was applied to it. I have no idea why. 
8. I called XXXX in XXXX XXXX after I realized that something was going wrong and the supervisor told me that if I paid them {$3000.00}, then they would bring my account balance to zero as they had done something wrong. They lied and my statement balance in XXXX XXXX was {$4400.00} 9.I have paid XXXX a total of {$7700.00} from XXXX XXXX - XXXX XXXX. 
10. XXXX latest statement shows that I owe them {$5000.00}. 

The interest on that balance keeps increasing every month although this charge is in dispute. Kindly help in this matter. Do let me know in case any other information is needed.
Complaint sub-issue: Their investigation did not fix an error on your report

I've been excising my right with the 3 credit bureaus ( XXXX, XXXX and Equifax ) they all claim that they've done investigations. The problem with that process, is that they never contacted anyone in my family or any of my neighbors. In XX/XX/2022, I sent letters to the the 3 bureaus about Unauthorized inquiries. They were furnishing on my credit report, XX/XX/2022. The XXXX bureaus got a copy of my complaint that I started with the CFPB, which an investigation was started again. XXXX wasn't furnishing the Information on my credit file, but XXXX and Equifax were. XX/XX/2022, XXXX deleted the inquiries that are in dispute. I have entered them as evidence, I reached back out to Equifax showing them that, XXXX has deleted the same inquiries they are claiming they verified and XXXX hasn't posted at all. These inquiries are hurting my probabilities of obtaining a Loan for my house. XX/XX/2022, I was denied by multiple institutions because of these Unauthorized inquiries. I've done everything Equifax told me to do and still, they are not doing what they are suppose to do by law and delete the unauthorized inquiries.
Complaint sub-issue: Information belongs to someone else

I have reported this account for a year it has been removed from XXXX and XXXX this account need to be removed from EQUIFAX Violation of CFR 313.7 ( f ) Violation of 15 USC 6802 ( 2 ) ( b ) Violation of 15 USC 1681b ( a ) ( 2 ) Violation of 15 USC 15 USC 1692e ( 3 )
Complaint sub-issue: Account information incorrect

XXXX, EQUIFAX, XXXX  All have done Avery poor job updating accounts that either do not belong, not updating my score when balances are paid down or paid off. This has affected my chances of borrowing or getting a bank loan. Im tired and frustrated by the harm these agencies have caused.
Complaint sub-issue: Information belongs to someone else

I RECENTLY APPLIEDFOR AN APPARTMENT AND I GOT DENIED. I DO NOT UNDERSTAND WHY I WOULD BE DENIED BECAUSE MY INCOME, RENTAL HISTORY AND CREDIT IS UP TO STANDARD. TODAY I CHECKED MY CREDIT REPORT WHILE DOING SO I SEE ITEMS THAT ARE NOT MINE. I DO NOT UNDERSTAND WHAT IS GOING ON, BUT THESE ITEMS ARE NOT MINE AND THEY ALL NEED TO BE DELETED FROM MY CREDIT REPORT.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have 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: Personal information incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Name : XXXX XXXX
Complaint sub-issue: Account information incorrect

I recently got a alert over the Holidays that I had new inquiries and account on my report. I have been in the middle of building my credit and letting it age so I knew I have no appd for or Got any new accounts. I have disputed these and I have shown proof of my complaints and ftc report and still nothing been done I have know my rights and know that this is agasint my rights to report false information and these inquiries and account need to be deleted now XXXX and XXXX and XXXX XXXX and XXXX inquiries and a XXXX account was added and these are not authorized by me and need deleted now before i go to the attorney general to file another complaint
Complaint sub-issue: Was not notified of investigation status or results

I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 60 days. I feel as though I'm being used and that my complaints are being ignored. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.
Complaint sub-issue: Account information incorrect

I disputed remarks stating payment was late for XX/XX/XXXX and it now shows late as of XX/XX/XXXX which is still incorrect. I HAVE NEVER HAD A LATE PAYMENT ON THIS ACCOUNT. Since XX/XX/XXXX ALL payments have been made on time please update all months to current, on time, never late. Greatly appreciated
Complaint sub-issue: Account status incorrect

On approximately Saturday, XX/XX/XXXX I reviewed my XXXX credit report. Upon reviewing examining the file in further detail I noticed that an old credit card account from " Citicards CBNA '' was still reporting as a " current account '' despite being closed nearly three years ago. On my credit report, under " Payment History '', XXXX XXXX 's comments indicate this account was closed in XX/XX/XXXX ( a comment of XXXX is noted ). I disputed the status of this account with XXXX on approximately Sunday, XX/XX/XXXX. XXXX responded saying that they verified the account status as accurate based on information provided by the creditor ( despite my credit report from the other two reporting bureaus showing this account as closed ). I am therefore submitting this complaint against Citibank since they have submitted inaccurate information regarding my closed credit card account to XXXX XXXX. I have attached a copy of my XXXX XXXX credit report for documentation.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

on XX/XX/2021, I rented a XXXX  for one day at XXXX XXXX  rental of XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. They ask for a {$2000.00} security deposit. I rented before at this store, so it was not problem. 
I returned the motorcycle without any issue and they told me that they will return my deposit in a few days. The deposit was never returned, I contact them by phone and they said that it was a problem with the credit card processor and I should initiate a dispute. I initiate the dispute and after 4 months, I was unable to get my deposit back. I contact the owner of the store by email and he said that there is no problem with the deposit, that I should get back my money. He insist that he problem is with the credit card processor " square ''. 
My bank " XXXX  '' ( XXXX ) said that they can't do anything. 
This is a nice legal way to steal money from tourist and consumers and credit cards operators are doing nothing.
Complaint sub-issue: Received bad information about your loan

Nelnet is refusing to assist me in completion of the forms needed to process the annual determination. Their own website is confusing so I have problems figuring out which payment plan is right for me. The plans offered are : Income-Driven Repayment Plans and Income-Sensitive Repayment. The explanation of the two do not coincide with these explanations : The Income-Contingent Repayment ( ICR ) Plan, Pay As You Earn ( PAYE ) Repayment Plan and Revised Pay As You Earn ( REPAYE ) Repayment Plan are for Direct Loans only. The Income-Based Repayment ( IBR ) Plan is for both FFELP and Direct Loans. 
Because of this I believe Nelnet has offered to mail me pre-populated forms in the past and now they 've declined and also have refused to accept my faxed signature page that they 've accepted in the past. I 've gone through telephone verification and uploaded tax documents yet they continue to pursue past due payments for {$600.00} when my payments were determined to be {$46.00} or so. They 've ignored requests to send me a pre-populated form so I can use the signature page only to give a physical signature. I think they are creating a hardship for me by the confusing language for the available plans ; ignoring already submitted documentation of income and household size in pursuit of a much higher payment ; no offer of forebearance while the newly needed physical signature page is required ; refusal to give me a pre-populated form to eliminate the mistake of applying to the wrong plan.
Complaint sub-issue: Problem with statement of dispute

Equifax ignored the main disputed item that is a duplicate and more than 7 years beyond the federal statute of limitation, and reinserted a previously deleted item that did not belong to me.
Complaint sub-issue: Account information incorrect

The following companies/agencies have failed to furnish the original " wet ink '' signed contract, that LAWFULLY obligates me to the alleged debt ( s ) -XXXX XXXXI : {$3400.00} - XXXX XXXXXXXX XXXX : {$2700.00} XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX : {$650.00} Several attempts have been made to reach out to these companies since XX/XX/XXXX ( XX/XX/XXXX ) via U.S. certified mail or through the credit bureaus website. Despite the attempts these companies and credit bureaus continue to violate my credit profile.
Complaint sub-issue: Debt is not yours

I was contacted via text on XX/XX/22 about making payments for a debt that I am unaware of. I texted stop. On XX/XX/22 I was contacted again via text from another number with the exact same message. Again, I texted stop. Upon checking my credit report, I see an account for Fig, but I do not recognize this account. I would like this account deleted immediately, and all contact via phone and text to cease.