Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem during payment process

I have a Fidelity credit card. On the card was mostly a charge for my son 's college bill of approximately {$9500.00}. The entire credit card bill was {$9800.00}. I had money in my son 's educational account to pay most of the bill and was assisted by someone at Fidelity to transfer this money over to the credit card account. A small amount of additional money was needed from his account for which I sold a bond. This was not going to be credited until XX/XX/XXXX. I had other means to pay the bill but wanted to pay directly from my son 's account for tax reasons. The Fidelity representative told me not to be concerned because the credit card withdrawals were never made on the due date. 

On XX/XX/XXXX I kept an eye on the account and called Fidelity to check on whether or not the credit card withdrawal was being made ; there was no alert from the credit card department, which is a separate company, about an upcoming payment. The Fidelity representative told me that if there was to be a transfer it would have shown up. By the last time I checked at XXXX XXXX  there was still no alert so I assumed everything was all set. Several weeks later i got a notice that none of the bill was paid. I called them and was told that the payment hit in the middle of the night despite there being no notification during the business day. Instead of taking what was available, they took nothing and charged me a large fee for nonpayment. Even though all the money was in the account for the payment by XX/XX/XXXX the money was left untouched and no one notified me of the problem. Is there a law that was violated requiring the credit card company and/or the bank to give a heads up by the end of the business day that money would be pulled from my account that night? The payment went through so everything looked right with the account but it was rejected on XX/XX/XXXX. I feel taken advantage of ; there was no way to get this straightened out despite all my efforts. 

In summary, the credit card company should have provided a heads up the day that the money was to be withdrawn so I would have known and paid a different way. There must be a law about this because I have always received such alerts in transactions of this type. Given the lack of notification, the credit card company should have withdrawn the funds on the XXXX. By then the money would have been in the account. Plus they had my phone number ; obviously I was trying to pay the bill since most of the money was available for the payment. They should have at least applied that money. In fact some of the money was cashed in rewards from the credit card itself. Not even that was applied.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2020 I made a purchase for an item. When the item arrived it was a counterfeit. I called Citi to get a case open on XX/XX/2020. I provided all the proof they needed and they ignored my case. On XX/XX/2020 they close the case on the buyers favor, when the buyer is selling counterfeit items. Citi does not care tho, Ive trying to contact them again but its been impossible since their lines are always busy. They told me to try to shop the item back, but its like {$30.00} just to send back to the country where it came from. Thats why I have tried contacting the seller multiple times but no luck. In the pictured that I provided it shows what I was supposed to get besides what I received.
Complaint sub-issue: Problem with statement of dispute

I applied for a payday loan at XXXX XXXX loan company. The representative was fraudulent and told me I was not approved and kept the money plus turned me over to a collection agency.
Complaint sub-issue: Can't use card to make purchases

NEW COMPLAINT For over a month now I had been trying to receive replacement credit cards from Citi. Finally they agreed to send one for me and one for my wife. 
On the XXXX of XXXX I received my card but not the wifes. 
I called and got absolutely nowhere as they said they couldn't use my phone number to verify it was me. No explanation given except that a letter would be sent in the mail with a code. Yesterday the XXXX of XXXX my new card was declined!!! I called again and got absolutely nowhere again. I have had it with Citi and their Professional card which I use to use for business is less than Professional when it is declined. I have called the person, and left messages, who wrote the explanation on my previous complaint XXXX XXXX at CITI several times and have not received a reply as of this time.
Complaint sub-issue: Information belongs to someone else

I am above and beyond tired, I have tried several times to remove these items permanently from my report. I have contacted the agencies, the people reporting and no-one will remove the items or provide my original signature or anything that states that it is my debt. They can not supply this as this is not my items.
Complaint sub-issue: Was not notified of investigation status or results

Over 60 days ago on XX/XX/2020 I sent in a dispute letter concerning the fraudulent accounts that is being reported on my credit report. Still to this day I have not received any notification, email or letter in the mail stating that they have disputed those accounts.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has XXXX 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. ( I never gave XXXX XXXX XXXX permission to furnish any installment accounts on my consumer report. )
Complaint sub-issue: Account information incorrect

For the past year, I have been attempting to dispute ( to remove ) inaccurate and fraudulent accounts and information from my credit report with the 3 credit reporting agencies " XXXX, Equifax, and XXXX, '' and it has been extremely difficult because they are not cooperating and have also made it difficult for me to dispute items on my own credit report. As an identity theft victim, I have had to obtain a credit monitoring subscription with XXXX where I pay a monthly fee to be able to log into my credit report frequently to monitor my credit report ; Doing so has allowed me to see continuous inaccuracies and fraudulent activities being posted on my credit report with the 3 credit reporting agencies monthly. My most recent dispute of inaccurate and fraudulent activities on my credit report with the 3 credit reporting agencies was this month XX/XX/XXXX, and luckily " ( after much difficulty ) '' XXXX has seem to be the credit reporting agency closest to accurately maintaining accurate updates on my credit report " with the exception of an old ( XXXX ) bankruptcy under public records. '' XXXX and Equifax are currently reporting inaccurate personal information, addresses, and fraudulent accounts to include alleging that I have two credit cards, so to make it easier, XXXX and Equifax should update my credit report in their system with that of my credit report with XXXX. Such should be reflecting across all 3 credit reporting agencies, as standard procedure.
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish this account Account : XXXX XXXX XXXX
Complaint sub-issue: Didn't receive advertised or promotional terms

I applied and got approved for CitiBusiness AAdvantage Platinum Select card on XX/XX/XXXX. The card had a bonus offer of XXXX AA miles after spending {$3000.00} in purchases within the first 3 months of account opening. On XX/XX/XXXX I called to inquire about not receiving the card. Also, I wanted to confirm the above XXXX bonus miles was attached to my account. To my surprise, XXXX an Account Manager in XXXX XXXX in Florida claimed that I was n't eligible for any bonus offer since I had another CitiBusiness  account closed within the last 24 months. I explained to XXXX that I did n't have any Citi Business cards for the last 4-5 years. He claimed that I had the same account type closed in XX/XX/XXXX which is not true. I asked if he could tell me when was the last time I paid the annual fee on that card, but he claimed that Citibank had recently migrated their data to a new system and therefore he was unable to retrieve any data for that account!
Complaint sub-issue: Information belongs to someone else

There is an fraudulent car loan on my credit report I sent the credit bureaus the information they needed from me & still no progress please help me with this matter
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX sold my mortgage account to another company called XXXX and I am on time with all of my payments. XXXX XXXX XXXX is no longer my account holder and I would like to get this off of my credit report but two credit bureaus are refusing to remove the information.
Complaint sub-issue: Reporting company used your report improperly

I have reached out to Equifax over 20 times through the last 30 days between phone calls, letters, and e-mails to your executives which have all gone unanswered. 

To date Equifax has triggered an unsolicited fraud alert and unilaterally decided to send that information to the other 2 major credit reporting agencies. 

Since the fraud alert, I have called in to confirm that I had given no consent for any changes to be made to my account and had been assured on each occasion that the fraud alerts have been lifted. 

I can confirm that Equifax still has my credit frozen. So I repeat, I demand that ALL reports through Equifax under my name are to be unfrozen immediately as I never requested or gave any consent for a credit freeze to be implemented or communicated to another report as that constitutes as non-public information.
Complaint sub-issue: Information belongs to someone else

Upon checking my credit report I noticed multiple accounts I do not recognize
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Complaint sub-issue: Non-sufficient funds and associated fees

I had my us bank account recently closed. Due to a returned check and insufficient funds. Ive had numerous problems with my account all of last year 2021. I had many fraud attempts with changing my password or someone calling and having duplicate cards mailed out. I probably had to close my debit card in 2021 more than 10 times. They could not give me an answer as to how this continues to happen. My bank statements didnt add up. Whoever sent me these us bank statements had the balance wrong and couldnt give me further details. A lot of the times I would call and they wouldnt even try to verify the caller was the account holder. I noticed that everyday XXXX since XXXX all the way through XXXX my account was being withdrawn by XXXX dollars daily. Sometimes more than once a day. Im a single mom of XXXX kids I thought my money would be safe but nothing was done. And eventually my account became withdrawn and I never received a notification but one and it stated it was sent in XX/XX/XXXX I didnt receive it in the mail until two weeks later And by then the accounts were closed. I relied on those funds to pay my bills and provide food for My household. Its really surprising that they made me feel like I was invisible and they couldnt help me at all but close my accounts.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX  account number XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have a right to privacy and 15 U.S.C 1604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX  {$980.00}
Complaint sub-issue: Was not notified of investigation status or results

This was not sent by error or anyone other then myself, I am a consumer by law and my information was misused in a data breech ( Equifax ) now I have some account and items that are not 100 % accurate on my credit report. That was unauthorized use of my credit report.
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

Hello Someone made two unauthorized charges through CashApp   using my Maryland UI Benefit Card in XXXX. One was on XX/XX/XXXX for {$10.00} and initially went unnoticed. The other was on XX/XX/XXXX for {$600.00}. When I saw the {$600.00} I looked into it and requested a refund through the app but all that did was alert the person who made the charge that I wanted them to refund, which they immediately denied. I apologize for the following level of detail but I want to provide you with as much information as possible, in hopes of resolving the issue as fast as possible. 

Although this happened in XXXX, I have been trying to resolve the situation ever since, first with the bank through which the card was issued, then the Maryland Department of Unemployment,  followed by what seems like endless XXXX searches, trying to hit upon just the right set of search words that finally led me to this site. I have sent emails to show my efforts but received no replies from anyone I reached out to. 

Beginning on XXXX I began sending money to an individual I came to know as XXXX, after first communicating with her under the name XXXX. I came in contact with her online and purchased digital, XXXX XXXX with her ( pictures and videos ) on XXXX, XXXX, and XXXX with no issue. We communicated during the time and decided to meet in person on XX/XX/XXXX. In preparation I sent her another {$50.00} on XX/XX/XXXX which she was to use for dinner the next day, which she did. It is my belief that while we were together she took my phone without my knowledge and used it to access the same app and my saved credentials to send herself the {$10.00}, I believe as a test. The meeting took place without incident. Nothing more than meeting up was promised or took place. She suggested meeting up " just to put face to the name. '' Days later on the XXXX a payment was sent to her for {$600.00}. I don't believe she accessed my phone again although it is possible. She came to my house to return a magazine she " inadvertently '' took the day before and came and went while I helped my brother bring a bed into the house. Later I saw the charge and reached out to her and found she blocked me on every platform we'd previously talked. I contacted CashApp about a refund and at that time found out it's only course of resolution was to ask the the individual to send the refund and that unsurprisingly, she denied it. Since then I've had no contact with her in any way. I also reported her account to the owners of the site I first made contact with her, for which they thanked me and to my knowledge, deleted her account.
Complaint sub-issue: Debt is not yours

Received a notice from a company named TRS Recovery Services for a debt with ID : XXXX fraudulently stating there had been a stop payment issued by my bank for a website named XXXX XXXX in the amount of {$200.00} with penalties. I have never been on the site, do not gamble, no original item was issued and no stop payment was issued by my bank as there was no instrument of payment at any time. There are also many other flags that this is a fraudulent claim. 

Steps to remedy include contesting on the TRS website per their notice and have sent certified letters contesting the debt to the companies requesting a canceling of the debt, information about the supposed debt and the cessation of contact but received no response. A second letter was received from TRS dated XX/XX/2022. I am sending another certified letter restating my request. 

In their dispute process they request bank account information and credit card information which would be misleading to many.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act 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
Complaint sub-issue: Public record information inaccurate

Equifax commercial Information Solution has incorrect information for my company ( XXXX. ). I spoke and informed a representative from Equifax on XXXX XXXX and told him of the errors on my business report and he asked me to submit a dispute. 
I submitted the disputes ( 4 ) on XXXX XXXX, however, I have not heard anything back from Equifax. I called and email them several times with no response. This erroneous information has caused me to lose a loan that I was approved for. Please assist me with this matter.
Complaint sub-issue: Their investigation did not fix an error on your report

I've written XXXX concerning act # XXXX on XX/XX/2019, XXXX XX/XX/2019 and XXXX XX/XX/2019 the this act did not belong to me. XXXX has refused to respond back and is continues to cause me from getting loans, job promotion etc. 

Pursuant to section XXXX XXXX a ) of the FAIR CREDIT REPORTING ACT ( FCRA ) I, The XXXX XXXX is respectfully demanded and/or or request that I be furnished with a copy of any and all applications, contracts, documentation and/or information within XXXX XXXX XXXX file used to determine verification of each account being reported and that pursuant to 609 ( c ) ( 1 ) ( A ) OF THE FAIR CREDIT REPORTING ACT ( FCRA ) a summary of rights to be included with your disclosure for inspection and examination of the above referenced account. Please note : that Consumer is in compliance with 610 ( a ) ( 1 ) of the FAIR CREDIT REPORTING ACT ( FCRA ). XXXX XXXX as the rightful occupant of the XXXX XXXX of the aforementioned Estate, which is a beneficial estate for XXXX XXXX, Estate [ XXXX ] Please remove unauthorized act from my private/personal credit file.
Complaint sub-issue: Old information reappears or never goes away

This is the letter that I. wrote to the student loan bank. I called the bank and they do not have anything in their records but the reporting agencies still have the info. on their records. I have disputed through them and nothing has changed. 

XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX Dear Sir/Madam : I am writing to dispute a late payment that was placed on my credit report from XXXX. I recently started 2 new jobs so I can make enough to endure inflation, exuberant expenses while I pay off my debt acquired by the last 2 years of changes. Your debt is one I plan to pay off this year hopefully. My account was deferred during Covid as my income was reduced tremendously just like the rest of the world. I just started 2 new companies and onboarding 2 new companies is a living nightmare as both positions are full time and production based. My 1st position is as a loan officer, relies heavily on my score to maintain my license to work. If my score drops, I could lose my license and the ability to pay off my debt. The second position as a life insurance agent has a huge learning curve for me. If you send emails, I may have missed them as I get a lot of emails on my personal inbox and do not have the proper time to go through all of them as well as 2 other inboxes for each employment and they are all bombarded with emails. 

Furthermore, I did not receive proper notification that the account was out of forbearance or even late which I believe is in violation of the fair debt collection practices act. When I got notification on my credit reporting app that my score plummeted from XXXX to XXXX a XXXX point drop! I almost had a XXXX XXXX because of 3 late payments, I immediately checked and noticed it was your institution. I signed on to your site and noticed you still had old contact information which I have updated in the past and updated again this time around. I am not sure why it remains on your records. The reason for such a big drop is because my XXXX account shows 3 late payments but I only have one account with 3 loans. I have been working very hard to maintain a 100 % payment history throughout the whole covid. My scores were soaring in the XXXX by XXXX and dropped as I had to switch positions and use more of my credit during the transition, still my payment history was intact. Regardless of my life changes my score has never been this low ever since my divorce 10 years ago. 

I am requesting that the charge be removed as I have updated the account, paid all late fees and set it as automatic payments until I can pay it off. I can not afford to lose my license and my ability to pay my debt because of this mistake. Going back to one job will put me and my single parent household family in a bad position financially. I really appreciate your help with this matter and your time investigating your records and rectifying this reporting issue. I have included proof of how this is affecting my credit and the dispute form. Thank you for your assistance with this problem! 

Yours sincerely,
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX Account Number : XXXX I recently disputed a item on my credit report. I asked the credit bureaus to verify the account and do a full and proper investigation. However they wrote back and said the account was accurate and they did a proper investigation and closed the account. However after doing my research I found inaccurate information. Which leads me to believe there was no proper investigation done. 

In accordance with fair credit reporting act XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have a rights to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Investigation took more than 30 days

I am attaching a letter my wife and I sent to Equifax on XX/XX/XXXX, asking them to investigate errors on our credit report. My wife has received a response to the letter regarding her accounts, but I have not received any response yet. More than 30 days have past, and they are supposed to respond within 30 days.