Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Can't use card to make purchases

Dear Sir or Madam, Something weird is happening, this week received a call from a woman from an unknown number asking me private information, I told her I would comfirm what ever is correct, however, would n't offer any information since i was victim of fraud before.   She was repeating im trying to protect you i said i will not offer information i was victim of fraud i can comfirm any correct information you have this was friday the  XXXX  Due to a trip that I am doing with my elderly mother (  XXXX  y ears old  ) I requested a limit increse on   XX/XX/XXXX   or  XX/XX/XXXX  in one of my accounts, they gladly provided withing  12  minutes and thanking me profusely for the 10 years of my loyalty to Citibank and my excellent payment history. they sent a text comfirming  Yesterday    XX/XX/XXXX   th saturtday, I went to my office and receiv ed 7 le tters without a logo stating that a "  executive  response unit ''  XXXX  had cancel   XXXX   of my credit cards account bussines and personal accounts even more confusing all letter stated my home address and delivered in my office mail box.   Had to research to find the last   XXXX   numbers of credit cards to locate account numbers after a night awake called the credit cards in question the response is " it was closed '' It seams very discordial when i have an average of  XXXX  on this accounts paid monthly in full and more with another card of that same institution also paid in full monthly.   in the morning of  XX/XX/XXXX  received and allert from   XXXX   XXXX   I will be leaving the country in 4 days on bussines trip.   Do n't personally think is proper, professional or fair to cancel my accounts without any notice or even email or phone call after increasing my limit and thanking me for my relationship with them.   To receive a letter dated the same day that that woman called me without a phone number or without a logo from which bank? seam to me that consideration respect and professionalism is unfortunatly going down the tubes I will forward this complaint to my senador  XXXX   XXXX  thanking you in advance  XXXX   XXXX
Complaint sub-issue: Information belongs to someone else

The following companies made unauthorized inquiries on my personal credit report. I listed below the names and the dates of inquiries were made. Since I did not authorize these companies to obtain my credit report, I demand that these inquiries be deleted as soon as possible and my credit score be adjusted accordingly : 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
Complaint sub-issue: Information belongs to someone else

Somebody opened a account which was never opened by me so iv disputed it and it keeps getting verified as accurate which it is not
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX Balance : {$970.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00}
Complaint sub-issue: Information belongs to someone else

XX/XX/XXXX collection account was opened for {$1400.00} XX/XX/XXXX it was raised to {$2500.00} XX/XX/XXXX it was reported I never received any notice. I have never used this company for any service at all. I called the company multiple times to rectify it and have it removed from my report as this was not me and must be some sort of mistake. They refuse to do anything about it. The company name is uplift inc.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX/DOFED XXXX Balance : {$3500.00} XXXX/DOFED XXXX Balance : {$6600.00} XXXX/DOFED XXXX Balance : {$2300.00} XXXX/DOFED XXXX Balance : {$2500.00} XXXX/DOFED XXXX Balance : {$3500.00} XXXX/DOFED XXXX Balance : {$6600.00} XXXX/DOFED XXXX Balance : {$890.00} XXXX/DOFED XXXX Balance : {$1600.00}
Complaint sub-issue: Information belongs to someone else

These accounts are not mine and I want you to help me to figure out what happened exactly and why I have fraud accounts in my credit report. I ask you to delete them all
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2017 I saw reports of a large Data breach at Equifax. I went to the Equifax site and found that my information was compromised as part of the data breach. Equifax has known about this breach for weeks and not notified people that were impacted by this. Also, I am seeing articles stating that Equifax employees sold a bunch of stock prior to the breach being made public.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX Account number:XXXX and XXXX XXXX XXXX Account number : XXXX 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.

I also sent validation letter to validate the allege debt if its 100 percent accurate and valid to collect, but no response at all. Please Delete these Accounts.
Complaint sub-issue: Debt is not yours

I have in my XXXX XXXX collection account from I C SYSTEM and I already call the collection company and they said, he cant find nothing in my name or social number, when I tell the person in the IC SYSTEM I have this debit colllection he said he cant take off from m report credit because he cant find anything about the debit account, in my name or social security and I want discharge this because not body know anything from this account.
Complaint sub-issue: Information belongs to someone else

Checking my credit one again I notice several accounts that i do not know about, I have been victim of identity theft, a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.
Complaint sub-issue: Received unwanted marketing or advertising

XXXX XXXX, XXXX cbna/thd company made a hard inquiry to my account. this was unsolicited and not authorized
Complaint sub-issue: Account status incorrect

I recently looked at my credit record and found numerous billing mistakes. Billing errors under U.S. Code 1666 ( b ) are 15. Failure on the part of the creditor to accurately reflect a statement, a payment made by the debtor, or a credit given to the debtor. an accounting inaccuracy of the creditor on a statement that involves computation or a similar error. As far as I'm aware, the creditor didn't send me a statement 21 days in advance, thus there shouldn't be any late payments on this account. These are unquestionably billing issues, thus I demand to see concrete evidence from the creditor 's bank account that I failed to pay and was flagged as being past due. The disputed account is listed below. 
XXXX XXXX XXXXXXXX XXXX XXXX : {$1400.00}
Complaint sub-issue: Information belongs to someone else

I have a collection showing up on my credit report for an apartment I never lived at. Attached are the documents required to submit and process my claim. The bureaus have become increasingly difficult to deal with. I just want this nightmare to be over. I noticed the collection in XX/XX/2019. Not sure if its because of EFX data breach or not
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXXXXXX XXXX XXXXXXXX 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 XXXX  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 XXXX XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Complaint sub-issue: Investigation took more than 30 days

I have disputed this paid medical several times, and it does not appear that Equifax has ever done an investigation into the account. If they had it would have been removed, because Equifax would have been compliant with XXXX a federal law written to protect me from this!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Equifax Equifax XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Re : Social Security Number : To Whom It May Concern : This letter is a follow up to my original letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting. Specifically as it relates to unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX/XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XXXX, XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XXXX XX/XX/XXXX 9. XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 15-30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX SSN : Last 4 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX and I have tried on numerous occasions to get the Bureaus to investigate the fraudulent student loans and inquiries on my credit reports yet they have refused to do so by law. I am asking for help here to assure that the bureaus do their jobs per the FCRA and protect guys like myself the consumer. Please see attached documents.
Complaint sub-issue: Don't agree with the fees charged

My school loan is overpaid. AES ' defense, " It just looks like we charged you twice ''. No, I was charged twice and the mistake happened when the loan was consolidated. Their records show that and my records show the same. Thus far I have paid {$87000.00} and owe another {$2300.00} which will equal around XXXX on a loan that was originally XXXX. They have a balance of {$69000.00} because they charged me twice. The interest paid from XXXX to XXXX is {$11000.00} on XXXX NOT XXXX at a supposedly 3.25 interest rate but was actually charging me 6.5 on a fixed rate. The department of education has no record of this because AES never reported my information. However, other lenders/servicing companies sent all my school loan information. They were so transparent they can't be questioned -- but not AES. 

So, why hasn't AES refunded my money. Simply, stating " It just looks like I overpaid doesn't cut it because it's OVERPAID. Also, I received a promissory note that I never signed which is fraud. AES has misapplied and misappropriated my loans for years. AES is just as bad as XXXX.
Complaint sub-issue: Problem with customer service

I have been trying to recertify my income based repayment plan for 4 months now. I call twice a month and talk to customer service. I have been told : this is with XXXX XXXX 1. I didnt qualify because I made too much even though I submitted through Dept of Ed and my other servicer Aspire said I did qualify w the same information.

2. I submitted the paperwork twice because they said I didnt submit correctly. Again my other servicer accepted the same information as acceptable. 
3. I paid their XXXX dollar processing fee twice because their system did not recognize I had already done so. Last time I called I was told that they made a mistake and still havent processed my requests. 
3. I was told I would have an administrative forebearance while they fix their mistake. My amounts are still accruing and I am in jeopardy of credit reporting.

4. Every time I have called the service rep says they will work on it and I have not yet seen any movement. 
5. They XXXX XXXX my public loan forgiveness application and I had to call twice to get them to notice they read the dates wrong.
Complaint sub-issue: Debt was paid

When I began to transact business with XXXX XXXX XXXX on XXXX XXXX, XXXX, I received {$5000.00}. To date, I have repaid {$6300.00} : The original {$5000.00} plus {$1300.00} extra. With no official notice to me, XXXX XXXX went out of business in XXXX XXXX yet, I unknowingly continued to pay towards the loan and follow all the rules handed to me by CashCall and XXXX XXXX who acted as debt collectors and continued to harass and collect thousands of dollars for XXXX. After discussing the loan with my tax preparer and embarking on my own investigating, I decided to stop paying XXXX, CashCall, and XXXX XXXX until I got answers. In XXXX of XXXX, I learned XXXX XXXX hired the XXXX XXXX XXXX XXXX XXXX XXXX. Nothing Attorney XXXX XXXX submitted to the Attorney General Office of Illinois around XXXX XXXX, XXXX sounded reasonable to me. Further, no one from the XXXX XXXX XXXX XXXX XXXX XXXX ever contacted me DIRECTLY, made XXXX phone call, left XXXX voice message instructing me to contact that LAW OFFICE, or delivered XXXX piece of mail instructing me to do the same. If any of this had occurred, I would have in turn, contacted an attorney and given that information to the attorney so that the attorneys could discuss the issues, not me. I was only instructed to contact XXXX XXXX, Customer Service Manager at XXXX and " work out a mutually agreeable settlement in this matter ''. These instructions were typed within Attorney XXXX response to the Illinois Attorney General XXXX. To me, this sounded like yet another invitation to speak with another customer service representative and be further kicked around again. I chose not to engage. 
For an entire year following, no one called or wrote me until XXXX when a male representative from CashCall began calling and left a message for me to contact his office to set up payment arrangements. Shortly after, in XXXX and XXXX XXXX, I received debt collection letters from CashCall informing me I now owed balances of {$12000.00} in XXXX XXXX, and {$12000.00} in XXXX XXXX : Both balances being well over and above the original amount of {$5000.00} borrowed. After checking my credit reports with XXXX in XXXX of XXXX, I discovered that CashCall followed through on their threats to report negatively on my credit reports therefore further damaging my chances to receive honest credit from honest lenders. Surprisingly, nothing was ever negatively reported regarding either XXXX XXXX, CashCall, or XXXX XXXX in XXXX, or XXXX. I believe the only thing I ever saw was either CashCall or XXXX XXXX listed as a creditor on my reports but neither ever reported any dollar amounts or payment histories.XXXX was never listed and they were the ones I got the money from. I also believe when I XXXX began to complain back in XXXX of XXXX, the only thing I did see on my credit report was a " closed '' account. I thought since the account was " closed '', nothing else could or would be reported. I will verify what happened with the credit bureaus on a normal working day for accuracy because today is a national holiday. I will later be attaching the results from the bureaus.
Complaint sub-issue: Their investigation did not fix an error on your report

I went online to check my credit report in XX/XX/2019 and realized that XXXX XXXX is reporting an account negatively on all three of my credit reports, AND XXXX XXXX XXXX is reporting the same negative account. I am aware that no account should be reported twice ( duplicate reporting ). 

I disputed this issue on XX/XX/2019 by letter to all three credit agencies. When my online report updated XX/XX/2019 it showing both these accounts are STILL reporting across all three reporting companies.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft and I write to dispute certain information in my file resulting from th e ID Theft. I have attached the items I dispute on my credit report. The items I am disputing do not relate to any transactions that I made or authorized.
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/XXXX I put in a fraud claim with XXXX XXXX Bank for a charge of {$10000.00} that happened on XX/XX/XXXX from a merchant that I have never done business with. I was given a fraud claim number of XXXX. XXXX XXXX Bank Credited me back the money on XX/XX/XXXX and also sent me a letter stating that. They also sent a letter stating that I received services from said company but never provided any information or any paperwork on that company.
Complaint sub-issue: Public record information inaccurate

To Whom It May Concern I have recently been informed that there is negative information reported by United States Bankruptcy Court, in the file they maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing XXXX XXXX  Bankruptcy & XXXX XXXX  Bankruptcy in XX/XX/XXXX & XX/XX/XXXX I challenge the accuracy, compliance and reportability of this listing and I ask for any documents bearing my signature. They all responded back saying they received this information from the United States Bankruptcy Court. So I then sent a letter to United States Bankruptcy Court asking them why they sent this information to the credit bureau. The United States Bankruptcy Court responded back saying, The bankruptcy court does not report or transmit bankruptcy court records or any other information directly to the " Credit Reporting Agencies ''. I am just a little confused why the credit reporting agencies lied for.
Complaint sub-issue: Account status incorrect

1. XXXX is reporting to XXXX that the account is in a Petition for Chapter XXXX. This is not correct. My Chapter XXXX Bankruptcy was Discharged on XX/XX/2016. 2. XXXX is reporting to both XXXX  and Equifax that the account Condition as Derogatory. This is not correct. XXXX  was paid-in-full {$28000.00} and the account condition is PAID. 3. XXXX  is reporting to both XXXX   and Equifax the account Status as in a Payment Plan. This is not  correct. This account is closed so how can the account be in a Payment Plan?

4. This account is not in Chapter XXXX  Bankruptcy. XXXX  must only report the current condition of the account.
Complaint sub-issue: Information belongs to someone else

Hi, I am making this complaint because there are multiple errors on my credit report I called the XXXX, Equifax, and XXXX but only XXXX was willing to help me over the phone although I mailed the dispute in they claim they did not receive it. Please help me in getting these errors removed and proper communication with these companies. Thanks.
Complaint sub-issue: Problem during payment process

I have had a credit card XXXX with Citi ( originally AT & T ) for many years. I always pay with automatic payments. Recenltly I changed banks for payment services. I entered the new bank name, routing number, and account number into the Citi site on a timely basis. However, I received a penalty of {$28.00} for, supposedly not paying the card. I checked the website again, and everything was in order. There was no indication Citi had the wrong bank information. Nevertheless there was a penalty. I contacted Customer Service. After extended discussion, I was told it was a " computer glitch '' on their end and they corrected it and appologized. I was assured the {$28.00} penalty would be removed. 

XXXX : It just seems to be technical glitch, XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX You : yes it does XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX : We have taken care of this for you. 
XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX You : So I am current now? 
XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX : Yes XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX You : No penalties or changes in my interest rate? 
XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX : Not at all However, the {$28.00} fee was not removed. I contacted City again, and City was simply not responsive at all. No one responded to my questions. I gave up and tabled the matter for a few weeks. 

Today ( XX/XX/2019 ) I received an email claiming my latest payment was not made. I contacted Customer service and messaged " XXXX '', and she said my automatic payment was cancelled. No explanation. I am certain I did not cancel it. On the contrary, as explained above, last month I spent inordinate time making sure the auto-pay was working. Citi is behaving irresponsibly with my account. XXXX offered no help with the problem and refused to transfer me to a supervisor. I gave up, called XXXX and spoke to XXXX XXXX, who offered no explanation. However, XXXX XXXX acknowledged that I had set up automatic payment, but It was later cancelled by the bank with no reason given. XXXX XXXX assured me that the payment would now be processed, that auto-pay is reinstated, and there is no penalty. Naturally I am skeptical.