Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem making or receiving payments

There was a fraudulent ACH charge on my acct and the bank tells me that theres no way to prevent any future ACH charges from acct.
Complaint sub-issue: Reporting company used your report improperly

XX/XX/ 2022 I have an inquiry that I did not initiate and did not approve on my credit report as an inquiry hard inquiry.
Complaint sub-issue: Debt is not yours

As I have not heard back from you in over 60 days, regarding my demand for proof, since my notice of my dispute and you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine.

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt?
4 ) Please evidence your authorization to do business or operate in the state.

5 ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

You have 15 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your le

tter ( s ) in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. Failure to respond within 15 days of this letter will begin my small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attachin
g property or funds to satisfy the judgment. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validit
y of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Complaint sub-issue: Information belongs to someone else

Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
The following items listed below are unknown to me. 
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX , FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXXXXXX Date XXXX XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Date opened XX/XX/XXXX Balance {$1700.00} XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$34000.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1800.00} ; XXXX XXXX XXXX Date XXXX XX/XX/XXXX Balance {$0.00} ; XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I have a loan with XXXX XXXX XXXX XXXX and it has been charged off for sometime now however they keep re-aging the account and this practice is illegal. I filed a dispute with Equifax and all they did was verify that the account belonged to me. That was not what I was disputing. So I would like the account deleted from my file.
Complaint sub-issue: Information belongs to someone else

My information was leaked in security breach and I have to be a victim of identity thief.
Complaint sub-issue: Problem during payment process

On XX/XX/XXXX I submitted a complaint to the CFPB regarding a payment that I made that was never acknowledged by the creditor. The complaint number is XXXX, a copy of this complaint will be included for your review. On XX/XX/XXXX, I received an email from the CFPD stating the the company has responded, and is working on the issue, an attachment will be provided for your review. I received a letter from Macy 's dated XX/XX/XXXX, which stated that they found /received my payment of {$430.00}, which was credited to my account on XX/XX/XXXX according to the letter, which will be provided for your review. Macy 's also stated that I now have a balance of {$19.00}, which is incorrect, because I provided the statement which showed that {$430.00} was my original balance, and that is what I paid on XX/XX/XXXX in the store located at XXXX XXXX XXXX, XXXX, TN XXXX. Thus, the balance would be {$0.00}. I will provide a copy of the statement for your review. The difference from the statement that I am providing and the balance is {$10.00}, which was added as interest for non-payment, so again, the balance should be XXXX.
Complaint sub-issue: Investigation took more than 30 days

I've been disputing some negative accounts on my credit report for almost a year and they still haven't been eliminated, I need some kind of answer with my case
Complaint sub-issue: Not given enough info to verify debt

On XXXX XXXX, XX/XX/2015 I filed a complaint with CFBP ( Claim No. XXXX ) against Enhanced Recovery XXXX and another XXXX on XXXX XXXX, XX/XX/2015 ( Claim No. XXXX ) Which claim to collect a debt for XXXX XXXX CompanyAfter contacting XXXX parties and requesting for additional related documentation materials associated with this account from XXXX XXXX that would help to substantiate such claim XXXX parties have failed to provide me with the documentation til this date. I have request the following Documents such as ; Billing Statements, Payment History, Contract agreements and have never received them. In order to resolve this issue Enhanced Recovery XXXX made the following statement in their last response to CFPB : In an effort to resolve XXXX XXXX ' concerns, our agency has submitted a deletion request with all credit reporting agencies associated with the account and our office on XXXX XXXX, XX/XX/2015. Please allow up to 30 days for the credit reporting agencies to process our request. Our agency will have no further contact with XXXX XXXX regarding this account. In order to make our client aware of XXXX XXXX ' concerns, our agency will forward this complaint to our client XXXX XXXX. 

Since that time Enhanced Recovery XXXX have Submitted the deletion request to the following Credit Bureau 's ; XXXX and XXXX but have failed to submit the request to XXXX and the negative Collection account still remains on my credit file with this Bureau. 

Enhanced Recovery XXXX needs to follow through with their promises and also request the deletion with Experain as well.This account does not belongs to me. I have not, and never have had an account with XXXX XXXX Company
Complaint sub-issue: Information belongs to someone else

These are not my accounts. Please remove them as this is the second request. Thank you.
Complaint sub-issue: Debt is not mine

I received some collection calls regarding a debt who does n't belong to me. I want the calls to stop and the debt removed from credit reports immediately. I ca n't keep received some calls of treated daily.
Complaint sub-issue: Problem getting your free annual credit report

To whom it may concern, I try to access a free credit report through this website that advertise that I would be able to obtain my credit score without any cost : XXXX I feel that the credit reporting agencies deceive the user in that once you submit your information and then click to see the credit score Im prompted by their system in that I must pay in order to purchase my free report? I feel this is very unfair and is deceiving. 

Furthermore, the site is so complex and unclear that it is not possible to view the simple task of showing the credit score. 

Thank you for your help! 

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

I recently Checked my Equifax report. it has alot of inquires, that should not be there. I disputed them a few Months ago. they are still on there and they are dragging my credit score down. and making it hard to get approved for credit card offers.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX, XXXX, and XXXX is trying to collect on an unknown debt for XXXX XXXX in the amount of {$6900.00} dated XX/XX/19. I have contacted them and the credit bureaus directly. No one has provided an original signed contract or any identifying documents such as my ID since the multiple requests. They want my information, rather than proving this unknown debt to me. Furthermore, who calculated the debt and how it was calculated. The credit bureaus response is to contact the collection agency, rather than investigating, they toss the issue back to the collection agency who then continues to report erroneous information.
Complaint sub-issue: Debt is not yours

I have been disputing this collection for awhile for a collection that was placed on my credit last year for a debt that I do not owe. I 'm not understanding why this collection was placed on my account for {$5000.00}. I want this to be removed from all my credit reports immediately. I 've sent in numerous dispute letters and no action has been taken. Please advise on any updates from this issue.
Complaint sub-issue: Investigation took more than 30 days

I sent them my FTC report sand a Identity Theft affividat for two Accounts XXXX XXXX and XXXX XXXX XXXX XXXX because these accounts were accounts unauthorized by me ( fraud accounts ) and they have failed to delete them or block them, or answer my request for vaildation more than 30 days ago.
Complaint sub-issue: Indicated you were committing crime by not paying debt

I DO NOT HAVE ANY DEBT. PEOPLE FROM THE NUMBER XXXX ARE LEAVING DAILY MESSAGES WITHOUT ANY DETAILS ASKING TO CALL THEM BACK TO DISCUSS A DEBT SITUATION. 
I TRIED TO REPORT THEM A SCAMMERS, BUT THE GOVERMENT AGENCY IN CHARGE OF THAT TYPE OF CALLS SAID THAT I CAN NOT DO ANYTHING. 
PLEASE HELP!!!
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I was charged XXXX from a place called XXXX. I never signed up for this. There are many sites to look at such for free. I discputed these charges with Discover Card and all they told me is that XXXX told them is that the charges are no fraud since the card has my name on it which associates with my email. They also told me that they sent me a Welcome letter in email and several other emails. When questioning to recieve such emails XXXX has yet to supply such and Discover Card keeps telling me I subscribed to this company on XX/XX/2013. At that time I was in the process of going thru with a home purchase, so why would I sign up to look at foreclosed homes. Discover card refuses to write off these charges that I never authorized. Funny how XXXX says your never liable for unknown charges, yet they are screwing me over
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX CREDITOR : XXXX XXXX DATE ASSIGNED : XX/XX/2021 AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Complaint sub-issue: Information belongs to someone else

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS I AM VICTIM OF FRAUDI am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAs. On XX/XX/2021, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Information belongs to someone else

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine.
Complaint sub-issue: Account information incorrect

I have sent numerous letters to XXXX, XXXX  and Equifax disputing inaccurate items on my credit report since XX/XX/2021 with no response by phone, mail or otherwise and no results.
Complaint sub-issue: Funds not received from closed account

Citi bank put an add the if you open a new account and deposit money with them, you will be getting a sign on bonus. It is total fraud. They take money and then close the account, will tell you that they can't give your money back. It takes 2 hours to connect to an agent. After spending 10 hours talking to 5 different agents. I have still not got my money back. Forget about the bonus money.
Complaint sub-issue: Debt is not mine

A company named Procollect contacted me about an electric bill to XXXX XXXX back in 2009. Not only was I not living in the state in 2009, I contacted XXXX XXXX and they have no record of me doing business with them in their system. This sounds like a fradulent debt to me. The debt even was placed on my credit report. I disputed the charges and the credit company promptly removed the charges from my credit report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

THE INQUIRIES LISTED WERE NOT AUTHORIZED AND DO NOT BELONG TO ME XXXXXXXX XXXX XXXX - XX/XX/2017 XXXX XXXX X3 - XXXX XXXX ANDXX/XX/2017 XXXX XXXX XXXX - XX/XX/2017 XX/XX/2017
Complaint sub-issue: Right to dispute notice not received

While attempting to buy a car XX/XX/2014, I discovered ERC was the only negative item on my credit report. Called ERC to find out who they were, they said they collected for XXXX. They told me if I paid the amount, they would remove the account from my credit report and I could buy the car. I paid because I needed to buy the car right away, not because I agreed that I owed the debt. I dispute owing the debt to XXXX because I had the account for several years prior and did not terminate any agreement early. However, ERC still remains on my credit report as a collections account, lowering my scores and preventing me from getting a mortgage and a new car at an affordable interest rate.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX, I contacted Equifax to disbute creditor of XXXX XXXX and was advised that I could n't request for item to be distributed as it came back verified in XXXX and XX/XX/XXXX. Original creditor was included in XXXX bankruptcy as well as is outside of the statue of limitations for the State of Florida. Creditor previously had item placed on credit file in XXXX. Now, creditor has sold the debt to a collection agency of XXXX XXXX XXXX and it negatively affecting my credit.
Complaint sub-issue: Reporting company used your report improperly

Credit reporting companies allow accounts that have nothing to do with credit be placed on credit reports. XXXX should not be allowed to report to a credit report because they offer services and not consumer loans or any form of credit, like credit cards..etc. I ask that XXXX  remove the account from XXXX XXXX XXXX.
Complaint sub-issue: Card was charged for something you did not purchase with the card

There are 2 unauthorized purchases on my XXXX credit card ending in XXXX. I can't get perfect details on either since the credit card online portal does not seem to be working ( error message attached ), but older of the two charges is from XXXX around XX/XX/2022 for {$1400.00}, and the later one is from XXXX 's around XX/XX/2022 for {$290.00}. Please help me open up disputes for both unauthorized charges. I have not received any good from either merchant or made these purchases.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I am writing out of extreme frustration with Citibank. I had a dispute that was resolved by both the merchant and Citibank. However, Citi refuses to remove the amount ( {$4900.00} ) from my account. Even though it is not on the full balance taken out each month, the figure remains on the statement, subtracted from the credit line and is reported to the credit bureaus. The dispute resolve was in XXXX of 2021. I can not count how many times in the last 2 years I have called and spoken to representatives. There have been such quotes as we are aware of the problem, and you should receive a call back in the next few days once fixed. No promise has ever been kept returning a call. I even emailed the CEO with no response. After all these years of dealing with Citi on this matter, I do not know what else to do and would appreciate your help!
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I made a booking with XXXX XXXX  for a trip to XXXX XXXX on XX/XX/XXXX ( XXXX XXXX booking number XXXX ) in the amount of {$4900.00} USD, using my Citi/AAdvantage Gold-XXXX card. On the same date, I purchased a XXXX XXXX XXXX XXXX plan ( XXXX Plan # XXXX ) for the trip. 

The trip was scheduled to depart on XX/XX/XXXX and on XX/XX/XXXX, I received a notice that the trip was cancelled ( email attached ). In that email, XXXX XXXX rescheduled my trip for XX/XX/XXXX. 

However, on XX/XX/XXXX, I received an email ( attached ) from XXXX, a XXXX XXXX firm, which stated that XXXX XXXX was being placed into administration ( bankruptcy ) and that all future trips were cancelled. When the notice that XXXX XXXX was being placed into administration arrived, I contacted Citibank as instructed by XXXX, the administration ( bankruptcy ) firm. I was told to submit a request for a chargeback, which I did via email. 

On XX/XX/XXXX, I received a decision letter ( attached ) stating that the original charge remains valid because XXXX XXXX had offered credit toward a future trip. However, the attached documentation clearly states that all trips have been cancelled and no payments will be honored because XXXX XXXX is in administration ( bankruptcy ). I then appealed the chargeback decision and received another denial on XX/XX/XXXX. The reason given by Citibank for the second denial was that the dispute had been submitted more than 60 days after the original date of purchase ( letter attached ). 

While the original charge was made in XX/XX/XXXX, in XX/XX/XXXX the trip was rescheduled for XX/XX/XXXX by XXXX XXXX, a circumstance that was not in my control. I had no indication within 60 days of paying for the trip that a ) the trip would be rescheduled, or b ) that ultimately, the rescheduled trip would be cancelled. In fact fact, I was issued a refund credit note in XX/XX/XXXX that stated I would receive a full refund from XXXX, a third-party guarantor, through an insurance policy ( XXXX XXXX XXXX purchased by XXXX XXXX  if XXXX XXXX did cancel the rescheduled XX/XX/XXXX trip. Therefore, I had no reason to request a chargeback until XX/XX/XXXX when I received notice that XXXX XXXX had entered administration ( bankruptcy ) and no trips or refunds would be honored. 

I have gone back to XXXX XXXX  XXXX, and XXXX, and was instructed by all parties request a chargeback under XXXX  chargeback code XXXX Merchandise services not received and that no future credits issued by XXXX XXXX will be honored. I have submitted the dispute now four times, on the advice of XXXX. However, Citibank has informed me all four times that my chargeback request has been denied because they are unable to recover funds from XXXX XXXX, and has stated that the last letter was their final decision. 

Thank you for reopening this case and for your review. If you have any questions or need additional supporting documentation, please feel free to call me at XXXX
Complaint sub-issue: Debt is not mine

I received a call from XXXX on Monday XXXX/XXXX/15 at XXXX, it 's a recorded message telling you this is in regards to a sensitive matter, please press XXXX. 
I pressed XXXX and got someone on the phone when I advised them that I was pressing the number XXXX he put me on hold and came back and advised they must have missed dialed and hung up. 
Then : I received a call from XXXX XXXX of XXXX on Friday XXXX/XXXX/15 at XXXX. 
He proceeded to tell me that he was representing his customer and that he has legal rights to advise me that I owe a debt to Sears for {$850.00}. He claims I opened this account in 2005. 
I did not open this account and told him so but he kept on talking, so I asked him to send me any documents via mail and he refused.