Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

Equifax failed to secure vital personal information including name, address, date of birth, credit information and social security number, leaving myself vulnerable to identify theft for the rest of my life.
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

I filed a complaint against this company with the CFPB regarding a charge on one thier Home Depot credit card products. After filing the complaint i noticed that they had reduced my credit limit from {$5000.00} to {$4000.00}. Since my credit is in good standing and I have never even had a late payment, i would have to reason that the credit reduction is a result of my filing a complaint with the CFPB
Complaint sub-issue: Their investigation did not fix an error on your report

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Social, ID, Identity Theft report
Complaint sub-issue: Problem with rewards from credit card

Following the complaint ID XXXX submitted on XX/XX/XXXX in which

CITI bank cheated me on a {$3500.00} bonus regarding my savings account, now CITI has been resentfully revengeful by closing two if my credit cards, namely BEST BUY and COSTCO. I have never been late on payments for the two credit cards and I have always paid the balance in full to avoid finance charges and service fees ( may be that is something that CITI does not appreciate ). However, I have no regret and no sorrow not to be able to use these cards anymore and I would pay the balance of {$23.00} on my Best Buy card before
the due date. However, CITI is refusing to give my my rewards of about {$90.00} for the purchases I had been making beforeXX/XX/XXXX. The balance on the Costco card is about {$750.00} but I would like to have my reward bonus to be taken into the account before I pay the remaining balance, but CITI refuses to honor the rewards that I had earned using CITI card. This is outrageous and it is not fair.
Complaint sub-issue: Information belongs to someone else

First someone used my social security number is not mines nor mines. whomever had this acct they turned the car n but it is on my credit report as a repoe I have no knowledge of this car at all
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act convergent Acct # XXXX XXXX XXXX has violated my rights. 
XXXX XXXX. XXXX XXXX XXXXXXXX XXXX states i have the right to privacy. 
XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX : it also states a consumer reporting agency can not furnish a account with out my written instruction.
Complaint sub-issue: Investigation took too long

My complaint ; Equifax and XXXX is being negligent and their investigation is taking to long that I requested both of them to do over 2 months ago. XXXX did their investigation with in the first 30 days and removed all the improper information on my credit report which is perfect with that credit reporting agency.
Complaint sub-issue: Problem getting my free annual report

I went to the website XXXX and completed all XXXX sections and when I got to the XXXX section to obtain the reports I received a message stating I would be unable to get the reports online I would have to mail in a request to obtain them. I do n't understand why the site would have me enter my personal information under the guise that I will receive the reports online and then tell me that I ca n't get them.
Complaint sub-issue: Problem with fraud alerts

On XXXX/XXXX/15 I received an e-mail from XXXX regarding a change in my credit history. When I typed in my user name and password it was rejected twice. I was then directed to a form which asked for my social security number and birthdate. I typed in the first XXXX numbers of my social and then stopped, fearing this was a phishing fraud. I have contacted Equifax regarding next steps I should take to protect my information but have received no response.
Complaint sub-issue: Problem with fees

I have had my Citi charge card for many years and not had a balance for more than five years. I keep in in the event of an emergency. I have been paying an annual fee to hang on tot the card as well. Earlier this year i discovered i missed the notice for the annual fee as i receive so many solicitation offers from Citi in the mail. Upon discovering i reached out to Citi and they let me pay and told me they would waive the late fee and would not be reported on my credit. Thought the matter was resolved. SInce then i have been charged late fees and interest on a late fee to the total currently of {$280.00} in fees and {$13.00} in interest for zero purchases. This includes the fact that the annual fee was paid so i am paying late fees and interest on nothing more that a late fee that they told me over the phone would be waived when i paid the fee and was not 30 days late so would not reflect adversely on my credit. In addition to this it REFLECTING ON MY CREDIT ADVERSELY. This is the only late reflecting on my credit and has made a drastic difference on my credit score. I discovered this when applying for a mortgage and being quoted a rate. I have reached out a number of times to Citi and spoken with their customer service as well as escalating it to their management with no success. I feel like the fees are excessive and the practices are unethical as well as deceptive. My hope and ask would be that the fee has been paid by me so that the late fees, interest, and charges as well as removal of the late dates reflecting and impacting my consumer credit report. I am open and willing to have a conversation with the CFPB, Citi, or anyone else pertinent to this matter at any time. thank you in advance for your cooperation. XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The following companies made inquiries into my credit profile, inquiries that were not authorized by myself and after sending a letter to the company, they were not able to establish a permissible purpose or furnish a signed authorization by me to run my credit XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX  XXXX XXXX  XX/XX/XXXX All was unauthorized hard inquiries by law hard inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Complaint sub-issue: Problem with fees

I have a Citi Visa card for XXXX.

I pay my bills ... using Bill Pay through my XXXX XXXX account. On two occassions I was charged a " late fee '' for payments that my bank told me had been delivered on time.

I appears that although the check arrives in time ... there is a delay in when it is processed. After wasting time with my bank and Citi customer service ... I changed the due date to give them an extra 2 days to credit my account. They had charged me {$25.00} x 2 for these incidents ... but that was eventually refunded.

I did not receive a paper statement in XX/XX/XXXX ... and since I don't use this card on a regular basis ... I figured that no payment was due. Today, I learned ( through repeated calls to my cell phone ) that I missed a payment. I paid it immediately out of my checking account ... but they refused to cancel the {$25.00} late charge. [ Oh, they also had the wrong bank and checking account associated with my Citi account ] I have no intention of continuing my business relationship with Citi. However, it may be that they have found several new ways to generate late fees! I have another VISA card ... which I manage in the same way ... and have had no fees for many years.

After XXXX XXXX   ... I wouldn't be surprised if this " slow down '' in crediting an account or missed statements was deliberate.
Complaint sub-issue: Need information about your loan balance or loan terms

This is in reference to a deferred loan that isn't due until XX/XX/2022. 
I have asked the creditor to send a statement about loan with the following information included ; outstanding balance information, amount due and payment due date. I can not resolve any issues with this creditor without this information. I can not access my account. 

Sallie Mae has sent notification letters about past due account without providing the amount past due or past due date. I need this information to proceed, if necessary. 

Sallie Mae has refused to provide me with the necessary information to review my account and resolve any issues of payment.
Complaint sub-issue: Account terms

I have been reviewing my credit files and noticed that XXXX Card has a debt that was from XX/XX/2008 but the more I looked, it 's as if the debt was started over. I am not owning up to the debt but seeking assistance. I did file a dispute with the credit bureaus. I have a letter that I need a response on and have provided as much information as I possibly can in regards to this debt on my credit files.
Complaint sub-issue: Other problem getting your report or credit score

My Equifax has not been able to be pulled by lenders or myself within the last 90 days. Its as if I do not have a Equifax credit score. This is preventing me to refinance my cars, obtain a HELOC loan, and not obtain business funding.
Complaint sub-issue: Can't close your account

I have an active credit card ending in XXXX. Tro prior accounts were closed by me. One neds in XXXX the other in XXXX I canceled and reported the last two as LOST because I had given the card to vendors that at some point did not want to continue paying an " ongoing '' bill pay with them It was understood that once the card is " lost '' and thus closed, the card company would not honor payments if submitted by such vendors. 

To my surprise, the credit card does not stop payments to vendors with prior on going bill pay that has an on going relation. 
when I spoke to Discover about not honoring such payments, they told me their policy is to continue paying regardless if I wished to honor such prior relationships Today I called to cancel ALL my accounts, for I fear they will continue obligating me to pay in closed accounts to vendors, for the DISCOVER policy is to continue paying EVEN if the carte has been noted closed or lost Since I want to close ALL my relationship with XXXXiscover, I asked them to send me an e mail confirming this, and supervisor ID # XXXX ( XXXX   speaking one ) was rude and hung up on me. I fear he won't send me a confirmation of the request, so to document, should Discover keep paying in my name to vendors I refuse in spite of the fact I am discontinuing any business with Discover with any card I have or had, I document this with you and report them for this fraudulent activity. 

It is my feeling that I, the owner of the card should be the one who determines who gets paid and who not, NOT DISCOVER The problem is between me and the business I have payments with. If I do not pay them, let the vendor go after me, but it is totally unacceptable for Discover to obligate me to pay for bills I have determined I refuse to pay, and then, be obligated to Discover to pay for the funds they disbursed to a company refuse to pay. 
Please note, in several occasions, I tried to send an e mail to discover. In their incoming message, it does not say DO NOT REPLY> SO, I write a complaint, send it, and then a while later it returns as DO NOT REPLY> This company is a total waste of time. 
I told t hem I want them to close down ALL cards I have and any payments requested by vendors submitted will not be honored, and not top ay. If thye pay, it is their , which I will not repay. 
I have OVERPAID my card, by {$320.00}, and Discover today said they will send me the $ by US POST. I hope they honor at least that. If not, I will report this AS PART OF THE ENCLOSED GRIEVANCE.
Complaint sub-issue: Account information incorrect

US DEPT ED XXXX Balance Owed : {$5500.00} - This kind of account is in fact posted as a charged off account. The balance is in fact incorrect, make sure you reverse it to XXXX  or erase the item totally. Make sure you also render documentation to be sure of all the charges and credits to this alleged account is mine. If you can't give these details and proof on this per my civil rights petition, you need to instantly delete this wrong account. 

US DEPT ED XXXX Balance Owed : {$9200.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, You are reporting an incorrect past due amount. These are ALL violation please delete account immediately. 

US DEPT ED XXXX Balance Owed : {$10000.00} - This kind of account is in fact posted as a charged off account. The balance is in fact incorrect, make sure you reverse it to XXXX  or erase the item totally. Make sure you also render documentation to be sure of all the charges and credits to this alleged account is mine. If you can't give these details and proof on this per my civil rights petition, you need to instantly delete this wrong account. 

US DEPT ED XXXX Balance Owed : {$4500.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

US DEPT ED XXXX Balance Owed : {$4200.00} - Balance and payment history is Incorrect please remove immediately. 

US DEPT ED XXXX Balance Owed : {$9700.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

US DEPT ED XXXX Balance Owed : {$5400.00} - What method of verification did you use because you are still reporting inaccurate information, no documentation has been provided to me, nor has the status been updated? This account is a violation please delete immediately. 

US DEPT ED XXXX Balance Owed : {$10000.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete immediately. 

US DEPT ED XXXX Balance Owed : {$1200.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX XXXX XXXX Balance Owed : {$2400.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX, I placed an order on XXXX XXXX 's website number XXXX for an XXXX XXXX mini, overnight shipping, and two years of service. I was charged {$1000.00} to my Citibank credit card. I requested cancellation of XXXX XXXX order XXXX on XX/XX/XXXX via online support chat prior to my order being shipped. The XXXX XXXX support agent during that conversation, XXXX XXXX, claimed to have cancelled the order and told me my money was refunded already. This was not true, because it took over 3 other support conversations to learn that my order was in fact NOT properly cancelled. 

After not receiving my money back on XX/XX/XXXX, I filed a dispute claim for " cancelled goods '' on XXXX website. After many cycles of back and forth and various support agents telling me my refund was approved and I will get my money, Citibank ultimately refused the dispute because I was unable to provide email evidence from XXXX XXXX of the cancelled order. 
I have repeatedly asked XXXX XXXX for email evidence for this purpose and was denied, with XXXX XXXX support agent 's claiming that there is no way to get email proof of order cancellation and the only way is to interact with them is via online chat or by phone call. I was also unable to use XXXX XXXX XXXX website order status because it shown my order as incomplete/indeterminate status, which was insufficient for Citibank. 

After 90 days back and forth being told to " wait two weeks '' by various XXXX XXXX support agents, Citibank closed my dispute citing it was outside of the XXXX dispute window and that the charge is final. 

During this time, I have over 10 conversations with various support agents at XXXX XXXX and written documentation from XXXX - XXXX XXXX XXXX Social Media escalation representative. At this point, I am no longer able to mitigate this directly with XXXX XXXX, because XXXX has passed this information onto me indicating that XXXX XXXX will not return my money. " Alright, I have received the department 's response. Upon further and deeper review, I confirmed with them that this order XXXX has a chargeback. Therefore, we are unable to further assist with a refund due to this. If possible, please confirm this with your bank as once a chargeback for an order is made, we are unable to process a refund. XXXX. ". 

It has been 156 days and I still have never received my {$1000.00}. Citibank refuses to return my payment. 

I believe XXXX XXXX has fraudulently and willfully impeded my chargeback despite their agents claiming to approve my refund, and intentionally prevented me from having the documentation I needed from them to process a chargeback with my bank. I have multiple chat logs explicitly requesting this information. 

I have bank statements showing that my money can no longer be returned by Citibank and I am prepared to file my case in PA XXXX XXXX XXXX for XXXX XXXX, District XXXX.
Complaint sub-issue: Attempted to collect wrong amount

I filed a complaint and it wasn't investigated before it was closed. I had no contract with Ross Associates! I made an agreement with XXXX XXXX XXXX XXXX for utility service not Ross. Ross has no paperwork but insistent that I owed the bill that was reported to my credit 6 months after final bill that I never received. I asked for a copy of XX/XX/XXXX bills or a copy of the final bill. They responded saying I owed without proof and said they wanted me to prove I paid the bill. So I put in the complaint for XXXX XXXX XXXX and Ya 'll couldn't contact them, the original debtors. How can the claim be closed without proof that I owe anything. It took them 6 months after the service ended not giving me a chance to dispute or challenge the bill. I found out 3 years later and never received a bill. Why don't they have to produce proof of me owing the bill especially since they're 3rd party. I was in XXXX when they reported the bill and that's why my services were turned off. I'm in XXXX and have no way of accessing this information and shouldn't have to. The burden of proof should be on them. Not close the case because they said I owed the money.
Complaint sub-issue: Other problem getting your report or credit score

I am currently trying to purchase a house, the lender company ( XXXX ) pulled a hard pull on my credit report but they stated they could not pull my equifax or XXXX  score. I called both on XXXX XXXX and they stated there was no lock or freeze on them. I am in the XXXX XXXX  and equifax said they had to put NY as my state address because they can not use XXXX XXXX such as XXXX. This is becoming so frustrating because we are stuck and I need them to see my scores for all three.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate.They never did a fair investigation according to the 15 USC 1681.

15 U.S.C 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through person interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to:15 U.S.C 1681 Section 602 A. States I have the right to privacy.

According to:15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not funish a account without my written instructions According to : 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: Information belongs to someone else

This is my endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



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Complaint sub-issue: Debt is not yours

I called the debt collections agency XXXX XXXX XXXX to resolve this issue, because the debt is not mine. I told XXXX XXXX XXXX that the debt is not mine, but they will not remove the three debts originally two from XXXX dated XX/XX/XXXX for {$160.00}. The second is also from XXXX dated XX/XX/XXXX for {$690.00}. The third is from XXXX XXXX dated XX/XX/XXXX for {$590.00}. Three of which I have never had. Please help me remove the debt from my credit.