Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Other problem

On XX/XX/20 I did a balance transfer of {$9800.00} with Citi Diamond Preferred Card for 18 months 0 apr with a balance fee of {$290.00} I got a bill in the mail. There is a minimum payment due for $ XXXX/month. If minimum payment is not paid, a late fee of {$40.00} is charges. Multiple late payments may cause my 0 apr to increase to 29.99 % In the past balance transfers, I dont remember if there was a minimum payment at all.

I think Citibank is taking advantange of the current situation of people having financial difficulties due to pandemic. I think this minimum payment is way too high and the penalties are even worse. I dont believe this practice is fair.

Had I known this minimum payment was going to be implemented at this level, I would not have done a balance transfer. I feel I may be worst off for this balance transfer than if I didnt do it in the first place.

Thanks
Complaint sub-issue: Information belongs to someone else

I value your help to REMOVED a portion of the data on 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 # XXXX. 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, NJ XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX XX/XX/202XXXX XXXX  XXXX Balance : {$1900.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXXXXXX Balance : {$3200.00XXXX XXXX XXXX Balance : {$6000.00} XXXX XXXXXXXX Balance : {$410.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX XXXXXXXX Balance : {$410.00} XXXX XXXX Balance : {$28000.00} XXXX XXXX XXXX XXXX XXXX : {$730.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1900.00}
Complaint sub-issue: Account information incorrect

USCB AMERICA is mistakenly reporting a collection on my credit. My heath insurance would have covered my cost at any XXXX locations. Also, I was never notified about such bill. Had ai been, I would never let a {$300.00} bill ruin my credit. Please delete.
Complaint sub-issue: Indicated you were committing crime by not paying debt

When researching the collection agency, IC System, who put incorrect information on my credit report, I discovered that this company is not authorized to do business in the state of Texas. I live in Texas and was under the impression that a collection company has to have a valid license to do business in this state. Please contact IC System and instruct them remove this debt from my credit reports. 

RE : IC SYSTEM - NMLS ID : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Thank you. 

XXXX XXXX ( XXXX ) XXXX
Complaint sub-issue: Didn't receive advertised or promotional terms

My name is XXXX XXXX, I've reached out to Sears Master Card services, to resolve a promotional balance program. I didn't sign up for this protional program and I requested that Sears show me proof of signature or evidence to my involvement in a promotional balance. I went on a cruise during The month of XX/XX/2017. I consumed a XXXX during that trip and Sears Master Card placed me in a promotional balance program that I didn't sign up for. I've been with this company for about 5 years and I've never missed a payment. I'm being charged outrageous high interest rates that's additionally added to my monthly note. I have audio proof of contact with Sears discussing my concerns. They can't show any signatures of me signing up for this program. I'm struggling to pay this, Sears is trying to charge me XXXX month plus, this amount is basically XXXX additional to my monthly note. My automatic payment went from XXXX to XXXX. I need proof I sign up for this program I wasn't aware of.
Complaint sub-issue: Was not notified of investigation status or results

LexisNexis XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Re : XXXXXXXX XXXX XXXX XXXXXXXX To Whom It May Concern : This letter is regarding US DIST CT XXXX, which is being reported to credit reporting agencies without verification. This is a formal notice that your reporting is disputed. If verified, please provide the Method of Verification. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) these items as reported. Please note that a report, a printout, or an employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 

It is unethical not to mention illegal for you to use my information to update erroneous information provided to you. Asking for additional information is a well-documented tactic of LexisNexis. The public record and my demographic info is what is needed as per other complaints to your company. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for this public record, is a violation of the Fair Debt Collection Practices Act ; therefore, if you can not validate the item/items, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this letter is a violation of the FCRA and will result in small claims legal action against your company at my local venue.

You will be required to appear in a court venue local to me, to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity and accuracy of the alleged bankruptcy and a dispute to the validity of your claims.

Please do not send me a letter with the contact information of the court they dont report to LexisNexis or any other agency. Since you are reporting this item it is your responsibility to validate all aspects of it. 

Please Note : 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. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I have filed dispute after dispute with this company with no fair time to respond and a lack of regard that I did not, nor would not open an account with this business as I know if it's practices of installment loans and the monetary contracts they force a consumer to pay without any return if the consumer decides that they do not want to continue paying on this installment loan should it become financially unable to do so, they ultimately keep the funds you have already have in savings with them, then attempt to continue receiving un-returned payments and report the consumer to the credit bureau. 
This account is not mine! I never opened it! It is a fraudulent account and unauthorized. I have complained to many consumer entities, such as XXXX,, the 3 major credit reporting agencies to no avail, and now CFPB
Complaint sub-issue: Frequent or repeated calls

Sallie Mae calling me repeatedly. Also calling family members asking them to make payment arrangements for me.
Complaint sub-issue: Problem getting report or credit score

I attempted to purchase a credit report from Equifax website for {$39.00} with my credit card. During the payment processing, I received an error saying the product I requested was not available and I was unable to continue. Upon looking at my credit card statement online, I saw that Equifax had a pending transaction for {$39.00} even though I never received the product. I called Equifax and they said this is normal and I will need to wait 5+ days for it to drop off my account. Pending transactions are deducted from my available credit so I can not access {$39.00} for 5+ days with my credit card. How can Equifax post a transaction for something I never received!?
Complaint sub-issue: Didn't receive notice of right to dispute

The enhanced recovery company has reported an account for sprint to my credit report that was previously disputed and removed from my report by diversified consultants XX/XX/2018, that company was not able to provide proof of the debt owed and after failing to provide information proving the debt was owed deleted debit closed account and deleted it which is required.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX acct XXXX ... is erroneously reporting on all credit bureaus XXXX, EQUIFAX AND XXXX.IT is obvious that they keep terribly inaccurate records.ALL PAYMENTS WERE MADE including the two extended pymts that had a discrepancy.then they stole ( repoed ) the car. 
look at the attached XXXX credit report ... on its face its erroneous. 
the balance history starts in XX/XX/XXXX after repo. 
the acct history shows c/o from XX/XX/XXXX through XX/XX/XXXX the month of my last payment. 
then they say i owe XXXX after stealing the car, not giving any credit or mention of it.
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 number XXXX XXXX Account number XXXX XXXXXXXX  Account number XXXX XXXXXXXX  Account number XXXX XXXX Account number XXXXXXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX Account number XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX Account number XXXX U S DEPT OF EDXXXX Account number XXXX U S DEPT OF EDXXXX Account number XXXX U S DEPT OF ED/XXXX Account number XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX DEPARTMENT OF EDU Account number XXXX Account name XXXX XXXX XXXX Account number XXXX US DEPT OF EDXXXX Account number XXXX XXXX XXXX  Account number XXXX has violated my rights 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 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

Equifax is reporting collection accounts on my credit report, however their is no original or current creditor listed. I have sent letters to Equifax on XX/XX/200 and XX/XX/20 asking to update my credit report with this information or send to me so I would know whom I need to contact for debt validation. I have yet to receive a response.
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

Citibank 's practices are egregious during a time of severe hardship when so many families have been pushed beyond the brink financially. 

I, luckily, am not one of those families. However, I have an account that has always had a XXXX limit. When going to pay my last bill I noticed that I no longer had XXXX ... I had XXXX. Literally {$60.00} dollars over what was currently being charged. They lowered my account for NO reason - no missed payments EVER - I'm always on time. This in turn lowered my credit score because it showed I did not have as much credit available as I previously did. It makes it look like I am utilizing all of my credit!

Citi is HORRIBLE and the way they treat their customers should be screamed from the mountaintops! 

Not only did the above issues arise but I had several bills set up to be paid on that card and once they UNKNOWINGLY to me cut my limit down to 11 % of what it was - I missed payments.
Complaint sub-issue: Information is missing that should be on the report

Equifax has failed to correctly report my revolving accounts for almost a year. 

Equifax is NOT reporting my revolving account also known as credit card accounts. Those accounts are as follows : XXXX XXXX XXXX ending in : XXXXXXXX XXXX XXXX XXXXXXXX ending in : XXXX XXXX XXXXXXXX has written a letter to Equifax directing them to report these XXXX active credit card revolving accounts on my credit profile. Attached is a letter. 

I have filed 4 complaints with CFPB regarding Equifax to correct this error and they have yet to do anything to fix their error. 

With the advice of my attorney, I am filing one last complaint before filing a lawsuit against the Equifax corporation for damages.
Complaint sub-issue: Trouble getting a working replacement card

Called for a replacement card, old card lock wasn't able to use it.called customer service which is Direct Express for a replacement on XXXX XXXX, their not answering the phone same recording comes on no help.Meanwhile rent an bills aren't. Recording says card is in the mail I haven't received it yet. Please help me I've done everything I thought would work but it hasnt.
Complaint sub-issue: Investigation took more than 30 days

In XX/XX/2020, I filed a dispute with this credit bureau about the unverified account : XXXX XXXX XXXX Account # XXXX. In those 2 months I have asked numerous times for a response and I have not received anything in response from these bureaus in over 30 days. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about this unverified and inaccurate account as of today. 
Thank you
Complaint sub-issue: Information is not mine

DEPT OF YOUTH SERV XXXX MA. THIS WAS XX/XX/XXXXMORE RECENT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MA. 

XXXX XXXX XXXX, MA XXXX WAS NEVER MY ADDRESSXXXX XXXX XXXX XXXX XXXX, MA XXXX WAS MY MOTHERS XXXX UNTIL SHE PASSED 5 YEARS AGO, I NEVER LIVED THERE? 

PLEASE CORRECT
Complaint sub-issue: Other problem getting your report or credit score

I applied for a car loan when purchasing a new vehicle - I obtained financing thru XXXX XXXX, the dealer also ran my credit with Ally Bank who in turn used XXXX XXXX - I received a letter today stating I was denied credit with Ally Bank via the XXXX credit report showing my score of XXXX. My current credit scores are XXXX, XXXX and XXXX - I am a XXXX XXXX XXXX XXXX XXXX XXXX and I am also in the XXXX XXXX and keep a close watch on my score. I have no idea where the XXXX is coming from and I feel it is incorrect and false reporting in order to charge higher interest rates. They stated the reasons for a low score were as follows : LIMITED HISTORY AT THIS PHONE NUMBER - I HAVE HAD IT FOR OVER 18 YEARS LIMITED CREDIT HISTORY - I HAVE TWO CARS, A MORTGAGE AND CREDIT CARDS THAT ARE PAID MONTHLY AND ON TIME LENGTH OF TIME AT RESIDENCE TO SHORT- I HAVE OWNED AND BEEN IN MY HOME FOR 11 YEARS TOO FEW ACTIVE ACCOUNTS- I HAVE TWO AUTO LOANS AND OVER 10 REVOLVING ACCOUNTS FOR OVER 5 YEARS I believe both Ally Bank and XXXX are at fault. I understand scores can be slightly different but definitely not by 100 points. These kinds of practices are unfair to a consumer especially if I was a consumer who did not understand how the credit score system works.
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/XXXX to remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again.,
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am worn-out of sending dispute letters to Equifax requesting that they correct this mistaken account being stated on my Credit File because they have been doing nothing! This complaint is to follow up my prior protests and letters I submitted on XX/XX/2022 and to notify them that I am halfway of taking lawful action and litigate Equifax for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the account on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The account that should be adjusted is : XXXX XXXX XXXX XXXX Date OpenedXXXX Balance : $ XXXX-Late/Open Late Date XXXX
Complaint sub-issue: Other problem

I received credits in excess of {$70000.00} from cancelled vacations to my XXXX  credit card account. 
On XX/XX/20 using online chat I requested that I be refunded the credit balance by way of a check. I was told to expect the check in 7-10 business days. 
On XX/XX/20, using online chat, I requested the status. I was told it was being reviewed. 
On XX/XX/20, using online chat, I requested the status. I was told that the refund had been approved on XX/XX/20 and to allow 7-10 business days to receive the refund. 
I also called to speak to an account specialist who told me that a check was being processed. 
On XX/XX/20, using online chat, I was told that a check was sent on XX/XX/20. 
It is now XX/XX/20 and I have still not received the refund. I did receive a letter today, dated XX/XX/20, from Citi saying that a refund check has been sent and I should receive it in 10-14 business days. If the check had been sent by the time that this letter was written, why will it take 10-14 business days to arrive? 
This credit had been in my account for some days before I requested the refund. Therefore Citi had confirmed that this was my money, in my account, i.e. it was genuine. 
Why then do they have to review whether I am entitled to a refund of my money and drag out that process for two weeks. If indeed a check was raised and sent on XX/XX/XXXX, why have I not received it when I have already received a letter dated XX/XX/XXXX? 
Clearly it appears to be Citi 's policy to hold on to monies as long as they can under the pretext of review, having to raise a check and the mailing process. 
It is totally unacceptable that Citi withholds a large sum of money belonging to me without cost or penalty. 
The interest rate on my account is 13.99 % APR. If I owe Citi any money, they will charge me interest. As they have withheld my money, they should therefore pay me interest at that same rate. To date, since the day I first requested the refund, interest amounts to {$700.00}, according to my calculation, and continuing to accrue.
Complaint sub-issue: Information belongs to someone else

I am a victim of Identity Theft. Upgrade Inc is reporting an account on my credit report & I have never made any transaction ( XXXX ) with this company. While the burden of proof lies with Upgrade Inc, I am willing to pay any debt owed plus XXXX XXXX interest if Upgrade Inc will validate any evidence of a debt with an XXXX XXXX XXXX XXXX XXXX ( attached ) of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt was paid

I received through my credit monitoring an alert that a collection was added to my credit report. I sent a validation letter to make sure that this was my debt. I called XXXX XXXX and they acknowledge that they did, in fact, receive my payment and that it was deposited. I verified this but this collection agency will not remove. In fact, they updated this in XX/XX/XXXX as owed debt {$110.00} as retaliation and showing still owing the debt hurting my credit score on all 3 credit agency 's ; this has impacted my perfect credit score. This check was sent in and paid, the medical office misplaced this and deposited it on XX/XX/2019. XXXX XXXX XXXX illegally, misleading information and illegally filed collections when it was already paid.
Complaint sub-issue: Account status incorrect

Equifax// XXXX XXXX XXXX Told me they close my account out XX/XX/2018 and reported To the credit bureau that the account was closed paid and delete it still shows balance of XXXX And still reporting late damaging my credit score Called and spoke with the Vice President of the company he told me I owed XXXX and settled the account for less than and personally takes care of reporting to the credit bureau and he did so And he has paying customers to get to and hung up
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 XXXX XXXX XXXX : XXXX XXXX XXXX XXXX DATE ASSIGNED : XX/XX/2017 AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX  has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Complaint sub-issue: Their investigation did not fix an error on your report

I have previously filed several complaints about XXXX XXXX XXXX XXXX complaint # XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. ALL OF MY COMPLAINTS have been CLOSED and nothing has been resolved! 

I never made any late payments, XXXX XXXX has not provided me proof that the payments they show as late ever happened, and yet continues reporting a late payment history on my account. I need your assistance correcting this error. NO LATE PAYMENTS WERE MADE! ALLY MUST fix this error immediately as they are causing my score to be low and my extensions of credits are being offered at high rates.
Complaint sub-issue: Information is not mine

I have inquiries on my file that do not belong to be- XXXX, XXXX XXXX XXXX , XXXX, XXXX, XXXX, XXXX and XXXX
Complaint sub-issue: Information belongs to someone else

I recently found that there are several inaccurate items on my credit report that do not belong to me. I do not have a record doing business with these companies. If these items are not deleted off my credit report immediately, I will be forced to contact a consumer rights XXXX Attorney and sue on the basis of defamation of character and denial of credit. I have documented all correspondences with The Credit Reporting Agencies ( Equifax, XXXX, XXXX ). Please remove these inaccurate accounts, as you know they are in violation of the Fair Credit Reporting ACT Section 609 ( B ), FDCPA Section 807 Violation of False and misleading representation. Thank You.
Complaint sub-issue: Their investigation did not fix an error on your report

There has been a copious amount of hard inquiries placed on my credit report that I did not authorize. I have tried rectifying these issues with the reporting credit bureau agencies and directly with the listed agencies. These issues have not been rectified. I have attempted to contact these agencies via certified US Mail and telephone calls, but to no avail. 
XXXX  XXXX XXXX XXXX XXXX, XXXX SC XXXX XXXX XXXX XXXX XXXX, Credit Bureau Disputes, XXXX XXXX XXXX, XXXX NC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX Phone : ( XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX