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

I received a package with my name and address that I did not order from a company I have never ordered from ( XXXX ). I checked my credit card and it showed XXXX charges ( XXXX from XXXX and XXXX for a website I've never heard of ) totalling around {$400.00}. All on XX/XX/22 around XXXX when I know for a fact I was at my doctors office at that time. I have contacted my credit card company to report the fraud. They canceled that number and will be issuing me a new card. And will be returning the products I recieved. But I am worried that my name, address and credit information has been stolen so wanted to file a report in case they open new lines of credit in my name.
Complaint sub-issue: Information belongs to someone else

I AM A VICTIM OF IDENTITY THEFT, MY CREDIT REPORT CONTAINS INACCURATE INFORMATION. I HAVE ATTACHED THE FOLLOWING DOCUMENTS FOR FURTHER REVIEW.
Complaint sub-issue: You never received your bill or did not know a payment was due

My citibank account has been showing that is has been pasted due for more that 6 months which is not correct. I have made payments every month on this account. When this account was closed my {$200.00} security deposit was applied to balance. For some reason my required due each month was more than 300 % what it should have been. I have added the bills and payment history to this email. Citibank stated they would not correct my credit report and stated information is correct when it is not.
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  Account # 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 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. 




XXXX ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX  ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX  ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX  ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX  ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX  ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX  XXXX DATE OPENED : XX/XX/XXXX XXXX  ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX  ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX  ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX XXXX ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX ACCT : XXXX DATE OPENED : XX/XX/XXXX
Complaint sub-issue: Account status incorrect

I have a credit card from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX with no successful resolution. XXXX, Equifax, and XXXX reporting me 30 days late in XX/XX/XXXX, and XX/XX/XXXX. There was an error on their part. I was never 30 days late.
Complaint sub-issue: Problem with rewards from credit card

We got the Citi Premier Card, which had a promotional offer ( XXXX reward points after spending {$4000.00} in the first 90 days ). 

WITHIN the first 90 days, we spent {$4000.00} and called Citi and spoke to a Citi Thank You Points representative, who represented and confirmed that we met the conditions to receive the XXXX reward points and that we would receive the XXXX point after the billing cycle was complete. In reliance of the Citi representative 's representations, we stopped using the card. 

AFTER the first 90 days was complete and the following billing cycle passed, we checked our account and did not receive the XXXX points. When we called Citi, the representative advised us of the complete opposite : that we didn't meet the conditions to receive the XXXX reward points. In fact, the Citi representative told us we didn't meet the conditions by {$8.00}. The Citi representative acknowledged the mistake by the last representative and told us to file a claim. We filed a claim over the telephone. 

We have called Citi multiple times and waited on hold for hours and hours to followup on the claim and have finally been verbally advised that the claim has been denied. We have been given no basis for the denial - and we keep getting the run around. In fact, on XX/XX/2020, after being on hold for 1.5 hours for three times, each time after the Citi representative purposely hangs up the phone - we still do not have any explanation for the denial nor any relief for the fact that a Citi representative told us we met all the conditions. 

I am astonished that a bank can make representations which are completely false and get away without giving its customer the rewards that they promise.
Complaint sub-issue: Their investigation did not fix an error on your report

On XXXX XXXX I was past due on my XXXX XXXX XXXX student loans. I applied for a forbearance and was granted the forbearance which in turn brought my account current. My new due date was XXXX/XXXX/XXXX. I also applied for an Income Based Repayment Plan. I waited for my credit report to reflect my status and it did not. I 'm in the process of opening a business and have been trying to improve credit ratings to qualify for a start up loan. When my report did n't update, I began disputing the information. I have disputed the status of my account at least 4 different times and it keeps reporting as XXXX days past due. In XXXX, I was also approved for the Income Based Repayment plan with a payment of {$0.00} based on my household size and financial burden. So my next payment was due XXXX/XXXX/XXXX. My accounts are still reporting as past due. On XXXX XXXX, I faxed copies of my XXXX, and XXXX statements showing my due dates, {$0.00} past due, and {$0.00} balance. I was told by XXXX XXXX at XXXX she could not use the info. I called XXXX XXXX to see what they were reporting they are claiming that they have been reporting my current status as of XXXX XXXX. XXXX and XXXX from XXXX requested a letter to be sent to me showing my current status. So I called the credit agencies XXXX, and Equifax again and they said it is XXXX updating a past due status because they corrected it on XXXX and on XXXX XXXX reported it late again.
Complaint sub-issue: Didn't receive enough information to verify debt

On or around XX/XX/XXXX, I ( SS # XXXX ) and my now wife XXXX XXXX ( SS # XXXX ) received notification from my credit monitoring system that a collections account form Hunter Warfield was reported on my credit profile in the amount of {$160.00}. The original creditor is XXXX at XXXX XXXX which is my primary residence. I contacted to property manager in person and via email about this debt because our rent has not been late, nor have we carried a balance and this was our first time learning about this debt. The property manager explained that the balance was from the unit we transferred from. ( we moved from unit XXXX to XXXX earlier this year ) We see the apartment staff at least once a week and we pay our rent via their online portal and we were never notified of this debt. We asked the manager to remove the debt from our credit because we never were given notice of the balance due prior to being sent to collections. To date this item still remains on our credit. We don't have an issue paying the amount, our only concern is paying the amount and it appearing on our credit profile as a paid collection when it shouldn't have ever been placed in collections.
Complaint sub-issue: Problem with personal statement of dispute

The collection account ( XXXX XXXX XXXX XXXX XXXX ) has been disputed on many occasions due to negligence of a property managment and mishandling of personal information by the company in the time of stay the lease was legally terminated with all cost expunged. I have continued to dispute this error to get it removed from my credit file but it has been to no avail. I need this issue to be resolved
Complaint sub-issue: Was not notified of investigation status or results

I FILED A DISPUTE LAST XX/XX/2021 WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 43 DAYS. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Complaint sub-issue: Threatened or suggested your credit would be damaged

My husband and I had federal student loans from our XXXX and XXXX  education and we needed to consolidate to be able to afford to repay them. We were told Nelnet was a servicer of our federal student loans and so we assumed we qualified for the cares act COVID relief. Once the announcement of the relief was made we stopped paying our loans but just discovered nelnet is reporting our loans as defaulted. When i asked why they said that it was only for people with dept of education loans ( which ours were ) but that nelnet was a commercial servicer. This was never explained to us and seems exploitive since we would have never turned down the benefits and protections of federal student aid. We are now facing default and nelnet has not provided any support of guidance for what we know is a mistake. We know we are not the only borrowers who assumed we had relief during COVID and you can see from our payment history that we only stopped once we learned of the cares act relief for federal student loan borrowers. Our credit is ruined for XXXX XXXX and we need legal support to address the predatory and neglectful nature of nelnets financial practices.
Complaint sub-issue: Deposits and withdrawals

Unauthorized withdrawals of over {$30000.00}. XXXX XXXX XXXX was notified, but nothing was done to resolve issue from XX/XX/XXXX to XX/XX/XXXX. A XXXX County Sheriff 's, XXXX, IL, report was filed, XX/XX/XXXX. It was determined that I was a victim of Identity Theft after a second Bank Account, MB Financial was also breached and over {$30000.00} of unauthorized withdrawals happened again in XXXX. Another XXXX County Sheriff 's Report was filed XX/XX/XXXX, and XXXX XXXX, XXXX County Sheriff Investigator is currently investigating along with XXXX County Sheriff as of XX/XX/XXXX. 
XXXX XXXX XXXX, XXXX, IL was notified repeatedly and instead of correcting the situation, they asked that I not come back to the bank. So after Depositing approximately {$61000.00} in XX/XX/XXXX after selling my condo, Mb Financial closed my bank account in XX/XX/XXXX and handed me {$660.00}.
Complaint sub-issue: Problem using a debit or ATM card

On XX/XX/20, I noticed discrepancies in my checking account. I immediately contacted my bank and closed my bank card. I then made numerous attempts to the CashApp in which I was directed to contact XXXX XXXX. By attempting to contact XXXX XXXX   proved to be futile except for hearing announcement indicating that there seem to be scams going on with CashApp. 
When I contacted my bank, they wanted a history of the transaction from CashApp in which there was none that I could have located. I then decided to file a complaint with cfpb for resolution. 
This is the history of the activity in question regarding my checking account that is affiliated to my CashApp. 
On XX/XX/20, there was a {$500.00} deposit into my CashApp. id # XXXX. On XX/XX/20, {$10.00} was taken out of my checking account, id # XXXX. On XX/XX/20, I sent {$50.00} to my son 's teacher via CashAp : id # XXXX. On XX/XX/20, an amount of {$14.00} was taken out of my checking account, id # XXXX. On XX/XX/20, I noticed {$19.00} was taken out from my checking account id : # XXXX and on that same date, XX/XX/20, for the same amount, {$19.00}, same id # XXXX. Then, on XX/XX/20, {$14.00} was taken out, id # XXXX. On XX/XX/20, I received {$500.00} from CashAp id # XXXX. On XX/XX/20, {$19.00} was taken out from my checking account that is affiliated with my CashApp, id # XXXX. On that same date, XX/XX/20, another transaction for {$26.00} was again taken out from my checking account, id # XXXX. On XX/XX/20, {$19.00} was again taken out id # XXXX. On XX/XX/20, {$26.00} was again taken out form my checking account, id # XXXX. On XX/XX/20, {$46.00} was taken out again, id # XXXX. Then on the same date, XX/XX/20, {$49.00} was taken out of my checking account again, id # XXXX. Another transaction took place on the same date, XX/XX/20 for {$49.00} again, id # XXXX. On that same date, another transaction took place for the amount of {$49.00}, id # XXXX.
Complaint sub-issue: Reporting company used your report improperly

Equifax, XXXX, and XXXX credit bureaus are guilty of selling and maintaining my credit reports to obtain money 's that are not legal to do. They are holding credit files that are not from the original owners. And for that reason I wish to file a section 609,  which states if the collector can not prove that they are the original owner of the credit file then that file must be taken off the credit report.
Complaint sub-issue: Debt was result of identity theft

XX/XX/2020 XXXX  This is a duplicate account, I have reached out to the company and to its current debt collector.I have also made a dispute
Complaint sub-issue: Problem during payment process

Bill was due on XX/XX/2019 in the amount of {$12000.00}, I paid balance due which translated into a zero balance on the card. XX/XX/XXXX I reviewed my statement which revealed that I still had a balance of {$870.00} and was charges {$110.00} in interest, I called Citi bank XXXX twice to explain to me why I still had a balance when I thought the card was paid in full, I was told of charges that was not included in the balance XX/XX/XXXX. I was deceived into thinking my card was paid in full and ended up paying interest charges on balance due.
Complaint sub-issue: Information belongs to someone else

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A . States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Information belongs to someone else

I was getting ready to file my taxes and my tax consultant told me that my taxes got rejected because somebody had already filed taxes with the same social security number. 
I had to take measure and call IRS etc. I then decided I needed to get my credit pulled to see what all has been accounted under my name. There was things on there I have never heard of in the years building my credit. Please get the items off my report. 

CITY OF XXXX XXXX {$300.00} XXXX XXXX XXXX  XXXX {$5500.00} XXXX XXXX XXXX XXXX {$460.00} XXXX. XXXX XXXX XXXX XXXX L XXXX {$3500.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Inquires XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX Accounts XXXX  XXXX XXXXXXXX XXXX XXXXXXXX # XXXX XXXX XXXX # XXXX Department Of Education XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A states I have a right to privacy. 

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which pre dates the report by more than 7 years. 

15 USC 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the Information is inaccurate
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I received a live check in the mail for installment loan, cashed it and never signed anything for a hard inquiry.
Complaint sub-issue: Account status incorrect

An account listed as XXXX, XXXX & XXXX is appearing as a collection on my credit file which is invalid as I've never received any notification from this company or handled business with this company. This is inaccurate information being listed.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting ACT XXXX  Account # XXXX, with 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 an account without my written instructions.
Complaint sub-issue: Information belongs to someone else

i check my credit report and i see unauuthorized inquirys for equifax i file a ftc report they still want from them frm my report they are XXXX of them XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX all dis was not me
Complaint sub-issue: Reporting company used your report improperly

In according with the Fair Credit Reporting act XXXX, Account name- XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair Credit Reporting act XXXXXXXX XXXX Bank XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXk XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX MI XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$270.00} XX/XX/XXXXXXXX XXXX XXXX MI XXXXXXXX XXXX XXXX {$3200.00} XX/XX/XXXX XXXXXXXX XXXX MI XXXX XXXX XXXX {$45000.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$5100.00} XX/XX/XXXXXXXX XXXX XXXX MI XXXX XXXX XXXX {$10000.00} XX/XX/XXXX XXXX  XXXX XXXX {$440.00} XX/XX/XXXX 15 U.S.C 1681 section 602 A. states i have the right to privacy 15 U.S.C 1681 section 602 A. Section 2 : IT also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Information belongs to someone else

I have some issues of unrecognized addresses and accounts reporting that do not belong to me. Please delete the following addressses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have a few problematic account that I have never done business with the following companies : XXXX XXXX XXXX , XXXX  XXXX XXXX  I believe that someone has used my name to open up utilities and cable in one  of the fraudulent addresses above.
Complaint sub-issue: Information belongs to someone else

I am aware of the heightened amount of Stall Tactics due to COVID-19, but I have verified that I am not a credit repair company, and I am sending this letter to dispute that there is a few accounts on my credit reports that are not mine. Please remove them immediately. Thank you.
Complaint sub-issue: Problem getting report or credit score

I am in bankruptcy since XX/XX/2015. I have been utilizing XXXX to monitor my credit and score since then. With this week 's XXXX update my scores ( XXXX and XXXX ) were finally high enough to pursue a business opportunity. The company I was working with pulled a hard credit report through Kroll and much to my dismay one of my scores ( XXXX ) was no where near what XXXX had reported, the XXXX score ( XXXX ) was nearly the same and the XXXX score was super low. All XXXX reporting various negative information post bankruptcy petition filing. Also as part of being in bankruptcy we should be offered all bankruptcy protections including the automatic stay which prevents negative credit information from being reported from the time of bankruptcy filing, i.e. XX/XX/2015. Kroll had XXXX different accounts reporting both being included in bankruptcy and reporting late payments post petition filing. These reporting of late payments are illegal, as well as hitting my credit score two times each. Once for being in bankruptcy and another for being late thus killing my credit score.
Complaint sub-issue: Didn't receive enough information to verify debt

Hi. I was given a treatment by MD without taking a consent from me and explaining that it could result charges insurance may not pay. Now collection agency Americollect , Inc is reporting this dispute to credit bureaus. I asked collection agency to provide me the proof of consent given to MD for this medical treatment but they couldnt. 
Thanks.
Complaint sub-issue: Account status incorrect

As to date the company has not corrected the insult to my credit report although they wrote and mentioned that would rectify this ASAP. The old complaint number is XXXX Lending Club XX/XX/2018 still reads 30 days delinquent. 
I was just denied a loan based upon this finding. 

The error was on the Lenders part due to false information from customer service
Complaint sub-issue: Credit inquiries on your report that you don't recognize

To Whom It May Concern : This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information on my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. According to the FRCA, the unauthorized inquiries should be removed immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

I have continuously contacted XXXX  as well as Vance & Huffman about this account that was part of a debt buying purchase. The account was initially opened with XXXX in XXXX of XXXX when I purchased a 2007 XXXX XXXX. Last payment received XX/XX/XXXX and charged off XX/XX/XXXX. It was then sold to XXXX in XX/XX/XXXX, XXXX XXXX XXXX in XXXX of XXXX and finally to Vance & Huffman in XXXX of XXXX. I have contacted Vance. & Huffman as well as XXXX to advise them of incorrect credit reporting since Vance & Huffman is reporting currently that this is a new debt from XX/XX/XXXX so I am being denied credit to purchase a home because of this debt being re-aged. This clearly exceeds the guidelines outlined in the FCRA and yet neither company is taking any action to rectify this situation.