Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/22 a purchase of {$83.00} I did not make on my Citi Diamond Preferred years was notified, they cancel card and issue me new card and they will revue and credited the XXXX XXXX.On XXXX new cards XXXX  has another fraud chg, same company in amt of {$160.00}. I called, they cancel card and issue a new card. Rep says he will take of this and credit acct. New XXXX  has a credit and then its added back on and now fees and interest starts to accumulate.All the while I am calling and getting nowhere or am being cut off, transferred to different depts, all the while thinking they are taking care of this. They are not. I would get form letters saying they are working on it, months go by and fees and interest are pilling up. I call and state to them that I am not liable and do not have to pay, they agree. Then in XXXX I get a letter from XXXX XXXX XXXX that the account is in debt collection. I contact them and tell them what is going on and they will investigate and they did.One month later they sent me a letter stating it is FRAUD and to contact Citi. I did via a Credit Report Dispute and Investigation form that I and none at Citi told me about fouund online. Sent that off with a written letter along with 6 attachments. Finally in XXXX I get a form letter from Citi with the same old info that they are forwarding to proper dept. This debt is less than $ XXXXand would think that it was in the thousands. I am now noticing that they have knocked my very good credit ratng down over 70 points.THIS IS MY GREATEST CONCERN. I hope this watered down explanation will help for the moment. The XXXX XXXX sent me every statement that they got from Citi as there reference material on this matter I can send anythying you need on my end if needed. Thank You from a consumer in XXXX yrears has never had a collection agency contact me for a debt!
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX # XXXX is reporting a debt I do not owe. This debt is old and I have already paid it off, it should no longer be reporting to my credit.
Complaint sub-issue: Reporting company used your report improperly

Equifax insufficiently protected my information. I just found out that it 's been compromised. This happened weeks ago and they did not notify me - I found out about the compromise through social media and had to go to their website to verify that my information has been compromised. 

I 've already spent several hours freezing my credit info, requesting and reviewing credit reports to search for suspicious activity, and researching ways to ensure that i 'm made aware of any attempts to use my information illegally. 

I am extremely disappointed to learn that executives of Equifax took care of themselves by selling their shares of stock before taking care of the owners of the information they failed to protect. 

I expect prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.
Complaint sub-issue: Debt is not mine

A debt has appeared on my credit report from EOS CCA for some time. I have tried to dispute it in the past and it has never been removed. The original debt is from XXXX XXXX, a company I have not done business with in over 6 years. They are unable to provide me with any proof from this and it continues to appear with a new date every year.
Complaint sub-issue: Information belongs to someone else

I opened a XXXX XXXX Department Store credit card in XX/XX/XXXX. The card was used sparingly. Payments had always been paid on time. I believe I used the card to purchase a suit in XX/XX/XXXX.  That had been the only time i used that card in years and hadn't used it again since. However, in approximately XX/XX/XXXX I received a notice from XXXX 's saying that my account was in arrears to the tune of {$3500.00}. Completely flabbergasted I contacted them. They told me that my bills had been being sent to Virginia. They had been for quite some time. I asked if there were any authorized users of my card and they said no. I asked if the purchases were made in store or online and they said in store. I have never lived in Virginia. Ever. I've been a Connecticut homeowner since XX/XX/XXXX. You can check my mortgage statements for proof of that. I've never made a purchase at a XXXX 's in Virginia. I told them the purchases must've been fraudulent. They refused to do anything about it. Quite frankly XXXX 's was content to allow these fraudulent purchases to take place because the bill was being paid. However, as soon as the person stopped paying they blamed it on me.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX and XXXX   are reporting incorrectly ( 120 ) days late on the USD/XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments, however this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this, however I have been unsuccessful.
Complaint sub-issue: Application denied

I applied for a Discover card in early XXXX. I reported income that I expected to make in 2019. I was issued a card based on this information. I received a few emails asking me to call Discover. At  first, I thought they were scam emails so I did not call. After receiving a voice mail indicating that Discover was trying to verify my income, I called the XXXX # on the emails. I was told that the income reported was not verified and therefore the card issued was closed. I hadn't used the card nor had it been activated. I asked why they would have issued a card prior to income verification and a response was not given. Unfortunately, this now shows up on my credit reports as a card opened and closed with a very short duration. This is affecting my credit score. I called Discover on XX/XX/2019 to ask if the open/closed account had been sent to the credit bureaus and if this was standard practice for situations like mine. The reply was " yes ''. 

Are credit card companies allowed to open a card prior to verifying income and then closing said card and then reporting said card as having been open/closed ( when card was never used or activated )? It's almost as if this was double jeopardy or adding insult to injury - denying card and then reporting it as open & closed. Discover said "  yes '' to these questions. 

My credit score has dropped to XXXX and as a result, XXXX XXXX is increasing my interest rate from 7.99 % to 13.99 %.
Complaint sub-issue: Investigation took more than 30 days

To whom it may concern, I sent a Method of Verification Letter on XX/XX/2021 by certified mail to XXXX, Equifax, XXXX, XXXX XXXX and XXXX in order to verify such information that is being reported on my credit reports. They received the letters on XX/XX/2021 and XXXX XXXX. I received a letter from XXXX stating they received my letter and provided a break down of the investigation process on XXXX XXXX as a stall tactic. I received no response from any other bureau. I also have not received any investigation results from XXXX. It has been over XXXX days since my receipt of my first letter sent to each bureau. I have also sent a second letter by mail on XX/XX/2021 as a follow up letter to each credit bureau.Consumers have the right to request a method of verification if they believe the item was not investigated properly. Also According to the FCRA Rules, FCRA 623 ( bX2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received no response XXXX after the receipt of my certified mail, one can assume that there was no investigation into the matter. I plan to purchase a home later this year and having this alleged bankruptcy on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original XXXX of XXXX XXXX. I contacted the courts and they stated they did not provide any information to the bureaus so how was this verified? This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Complaint sub-issue: Information belongs to someone else

I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

I want the fraud accounts removed ASAP!
Complaint sub-issue: Personal information incorrect

Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  XXXX XXXX XXXX-XXXX XXXX XXXX/XXXX  XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX-XXXX XXXX XXXX/XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX-XXXX XXXX XXXX/XXXX
Complaint sub-issue: Received bad information about your loan

Citibank student loan Citiloan? lied about my graduation date which I wrote repeatedly and called reporting it's wrong in their documents, they charged extra interest fraudulently XXXX, XXXX, XXXX, XXXX, XXXX  ( date of loans about XXXX- XXXX ). They sent my loan to a collection agency, I was hounded daily by threats of lawsuits by email, phone, and postal mail. My XXXX XXXX XXXX in XXXX and I broke apart visibly. I suffered injuries to my XXXX XXXX because of Citibank 's refusal to acknowledge the U.S. Dept. of Education and XXXX University documents of my real true graduation date and my pleas for help. I paid huge amounts I starved for and lost my XXXX  XXXX to have a XXXX for in XXXX   XXXX XXXX  to Citibank 's demanded moneys I justifiably did NOT have to pay some of that by laws. The predatory school XXXX University XXXX XXXX XXXX XXXX lied I would have employment " {$100000.00} to {$500000.00} '' Financial Aid Officer said in front of staff, administration, the XXXX XXXX XXXX, and others to me. I was unemployed for 4 years after graduation. Twice trying to start a position, told I was unprepared, and let go, fired from internships, etc. because the predatory school faculty and staff didn't respond to emails for documents required to graduate by training over 2 years of unpaid unemployed training XXXX before the 4 yrs unemployment after degree, so Citibank refused to acknowledge in writing {$8000.00} payment I made, citibank refused to acknowledge that amount in document claiming they sent the loan to collection agency, so my paid amount Citibank refused to acknowedge to me, loan collection agency, and in the lawsuits against me threatened me, put me in their collection agency lawsuit threat, demanded I pay a huge percentage all at once which no one could do, so my mom emptied out credit cards, lost her retirement savings, and our health suffered paying it. I want my money back from citibank as refund and forgiveness, although they forced documents signed about us not suing or they would sue us for ALL the WRONG INFLATED loan amount falsified by them against me. I was terrorized in their financial fraud. I read you sued Citibank for such illegal private student loan practices, but I never heard from your people about your won lawsuits. PLEASE HELP ME immediately. they will fraud collections ( i.e, XXXX XXXX   XXXX ) has the loan so they can't do anything but it is a con set up of frauded loan amount to start with.
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 XXXXXXXX, 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 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: Was not notified of investigation status or results

I sent a letter previously, asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, 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 data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over XXXX 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 XXXX ( XXXX ), it is plainly stated that a failure to investigate these items within XXXXdays gives a reason to immediately remove those items from my credit report it has been over XXXX 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: Their investigation did not fix an error on your report

Midland Mortgage co.
is reporting that my home loan acct was included in a bankruptcy. This is wrong, It was reaffirmed. I paid it in full and never missed a payment. I contacted them about this error and was told this account has been settled and they have no interest in reopening it.
Side note : they have over the years been very difficult to get info, they refused to return my mortgage ins payments long after I was not required to make them and even wrote a reply letter of refusal stating I was not eligible to stop mortgage ins ever. I believe they owe me several years of mortgage ins payments. 

most times I contact them they ca n't find my acct. until I am persistent
Complaint sub-issue: Information belongs to someone else

The following accounts are fraudulent : XXXX XXXX   {$57000.00} XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX ( XXXX XXXX {$0.00} XXXX ( XXXX XXXX {$0.00}
Complaint sub-issue: Information belongs to someone else

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$130.00} ; XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$240.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX.
Complaint sub-issue: Didn't receive enough information to verify debt

I sent a letter to MRS BPO LLC on XX/XX/ 2019 ( within my 30 day window ) disputing the validity of the debt ( Acct Number XXXX ). I have yet to receive a response from the company validating the debt that is owed. In my letter that I have attached, I asked them to provide the proper documentation within 30 days and if not that they should remove from all credit reports. Nothing has been done.
Complaint sub-issue: Problem during payment process

I am writing this letter in regard to an issue that has presenter itself. I had an outstanding balance on a Citi Bank credit card account 2 years ago because I went trough a hardship I called the bank directly and settled my account over the phone ( bank has to to have a record ). Citi bank set up automatic payments on their end which were completed abs terminated by Citi Bank when settlement amount was reached in XX/XX/XXXX and I have a proof of all this payments. Approximately few week ago in XX/XX/XXXX I received a letter from a debt collector XXXX stating that I have a remaining balance of XXXX, I explained what happened to the debt collectors, they refused to cooperate, I tried to call the Citi Bank and they refused even to speak with me, stating that my account was sold to XXXX and I have to speak with them, I feel like I am stuck in between because of mistake made by Citi Bank. I obtained proof of all my payments from my bank and sent them to debt collectors and according to them they contacted Citi Bank twice on my behalf, 1st time banks response was " the monthly payment amount was incorrect it is supposed to be {$95.00}, instead {$93.00}, when I explained it was set up on Citi Bank end then they answered on 2nd request that they never even settled account and I was just paying toward my balance and was unable to explain why payment was terminated by Citi Bank.
Complaint sub-issue: Other problem

I printed out an offer from the Internet advertising " 21 Month Intro Offer on BT ( balance transfers ) and Purchases '' on a Citi Diamond Preferred Card. I called XXXX to apply. The telephone banking sales person confirmed it would be for 21 months, and that I would have four months to make any needed balance transfers. So I went through the entire application process and got approved quickly on the phone, but then she told me balance transfers would be for only 12 months instead of 21 months as originally stated. 

That is an outright BAIT AND SWITCH tactic. I have great credit and two other Citibank credit cards with never one late payment. Isn't this BAIT AND SWITCH illegal? 

XXXX XXXX, XXXX, CA
Complaint sub-issue: Account status incorrect

On XX/XX/2020I paid off a collection from XXXX XXXX Preauthpmt XXXX XXXX, XXXX XXXX That's how it show 's up on my account for {$58.00}. On my credit bureau says XXXX XXXX XXXX  # XXXX XXXX. They told me they would put a request together for Equifax  & XXXX  and rushed the request to get it taken off of my credit. I've made numerous phone calls to Equifax and they said I could dispute it. The problem is I can't dispute anything because I'm applying for a mortgage and the collection is dragging my credit score down. Please let me know if you can help me get this taken off of my credit. Thank you! XXXX