Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

This complaint is in response to CFPB Case XXXX. 

I submitted a dispute with Citibank this summer. I submitted the dispute under the wrong classification/category. I have tried for MONTHS to change the classification/category of the dispute, but Citibank is failing to acknowledge that. 

I submitted a complaint that Citibank was not acknowledging my request for a change in dispute classification/category. Their response to XXXX was irrelevant, and did not mention my attempts to change to the correct classification/category. 

My repeated attempts to remedy this situation with Citibank has been futile. 

-- -- -- -- -- -- -- -- -- -Here is a hypothetcal scenario to describe what I have been going through : - You decide to go on vacation to the mountains of Colorado . You find an XXXX-XXXX  and rent a house for 2 weeks. 

- Upon arrival, you find the house in great shape - just what you were looking for. The - house is warm and cozy, perfect for the frigid Colorado nights. During the day, you enjoy going out to hike and explore the countryside. 

- You do this for three nights. However, on the fourth night, you arrive at the house to see that the house is closed. The locks have been changed, and you no can longer stay the night. 

- You contact the owner and he says hey has closed the XXXX. He is pulling out of the business, and refuses to give you back your money. 

- You paid for 2 weeks, but only received 3 nights. He refused a refund. What do you do? 

- Well it turns out you paid with your Citibank card! You file a dispute for services not provided and fraud. 

- Unfortunately Citibank sides with the home owner because you misclassified the dispute. They also decide to take 6 months to make that decision, so the dispute window is now closed and youre out of luck. 

- But wait! Theres more. A friend of yours went through the same thing with Citibank, and Citibank gave him back his money! So now you wonder why Citibank has decided not to help you.
Complaint sub-issue: Reporting company used your report improperly

I do not have a signed contract nor any contract with The Bureaus. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX XXXX. I am not responsible for this debt with The Bureaus.
Complaint sub-issue: Information belongs to someone else

XXXX   XXXX   XXXX ,  XXXX  {$280.00}  XXXX   XXXX   XXXX ,  XXXX  {$83.00} These  XXXX  account are to me removed from my credit file!   This is not a dispute and no remarks relating to dispute are permitted to be placed on my credit report!  <P/> These accounts were opened without my knowledge and were never to be in my name! I have already had them removed from  XXXX  as well as  XXXX  However Equifax refuses to remove them!  <P/> I want these removed from my file completely as there was never any agreement from me for these accounts to be in my name or reported to my credit files!  <P/> Again I just want them removed as they are illegally reported and reporting on my credit file with Equifax! This is not a " dispute '' and is not to be reported as such on my file!
Complaint sub-issue: Received bad information about your loan

In XX/XX/2021, the PSLF waiver was announced and I immediately began to read over the changes and take the steps needed for the waiver to help my situation. In XXXX, the waiver only mentioned to consolidate non Direct loans. I have XXXX Direct loans that I did not consolidate with my XXXX non Direct loans since the waiver was very clear about this. The consolidation occurred in early XX/XX/2021 and within XXXX weeks the newly consolidated non Direct loans were forgiven under the waiver but I was left with the XXXX Direct loans. The updated information came out for the waiver after the forgiveness of the newly consolidated loans to consolidate ALL loans, Direct included, and the waiver would count the highest number of loan payments. In my situation, this information was not given in a timely manner for me to consolidate all my loans together. As a result, I am now left with XXXX Direct loans that would have been forgiven if correct information had been given in a timely manner to consolidate everything together. I am grateful of the loans that have been forgiven but it is so disheartening for inaccurate information to be given and not allow the individuals that took advantage of the waiver early on to get counts and an immediate forgiveness that would have otherwise counted if the information had been given in a timely manner. I have been paying the loans and working in public service now for 13 years which is well over the XXXX payments needed but due to more red tape and misinformation, I am still left with the loans wondering when this will eventually end.
Complaint sub-issue: Old information reappears or never goes away

I was denied a loan by XXXX XXXX XXXX after two inquiries provided misleading and inaccurate information. The two companies that provided the derogatory information were XXXX and XXXX XXXX. I have requested specific information from all three entities to elaborate on this information used against me and gotten no response.
Complaint sub-issue: Debt is not yours

Afni, Inc has placed a collection on my credit profile claiming that I owe {$510.00} to XXXX. I have NEVER had a XXXX account. I've mailed letters to this company TWICE and have not received one single reply. This company is tarnishing my credit worthiness for no apparent reason.
Complaint sub-issue: Problem with fees

i used to have credit line account XXXX with usbank cash flow manager for 7 years. 
at the end of XXXX i decided to cancel my account because of {$150.00} fee .i was told by the bank manager that he will try to wave the charge so i can leave the account open. 
the manager told me that the charged waved so i left the account open.then again at the end of XXXX again i went to the bank to wave the charge and he told me that this charged can not be waved.i just now realized that the manager who was in charge during XXXX lied to me when he said that the account was not charged {$150.00} usbank department of credit lines try to make money out of people not knowing or not aware that they charge by the end of the year,
Complaint sub-issue: Information belongs to someone else

these accounts listed are not mine and should be removed immediately
Complaint sub-issue: Account status incorrect

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Late Closed : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$4500.00} Collection : XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$350.00} XXXX XXXX Balance : {$220.00}
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. 
these are the accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX us department of eduXXXX us department of eduXXXX us department of eduXXXXXXXX us department of edu/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX & XXXXXXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/XXXX, I was going through Auto Loan options through pre approvals/match on XXXX where I did not even provide my full SSN. A few minutes later, I got a Hard Inquiry from DT Credit on my report. I immediately called them and the representative on the phone told me that they can not remove the inquiry but can only notate the account that it was unauthorized. They stated that I should call the credit bureau and dispute it with them. When I called XXXX, the rep there suggested I reach out to CFPB and file a complaint.
Complaint sub-issue: Seized or attempted to seize your property

I paid a debt with Razor Capital in XXXX. On XX/XX/XXXX I received a Notice of Application For Wage Execution on a debt that has been paid. I sent the documents to razor capital   and their attorney, XXXX, XXXX, XXXX, XXXX XXXX and they refuse to review the documents and release the money they have illegally taken from me.
Complaint sub-issue: Investigation took more than 30 days

I have been sending correspondence to XXXX since XX/XX/XXXX to have them validate and verify some of the accounts on my credit report. I sent them 3 different letters, each one month apart giving them the chance to resolve the issues. It is my understanding that in order for them to report accounts on my credit reports, they must be able to verify and validate those accounts. They never sent me anything on how the account was validated or verified even after I asked them on several occasions to do so. It has been over four months and there are items that are still on my credit report that I asked for verification on my first letter on XX/XX/XXXX. I would like all of those items off of my credit report since they have been unable to verify that those accounts actually belong to me. I am aware that they have 30 days, plus an additional 15 days to do so and they have failed that time frame. The accounts are on the letters I will attach. They sent me reports over and over saying the accounts were verified and remain on my account but never gave me proof of verification, like I requested.
Complaint sub-issue: Didn't receive services that were advertised

XXXX XXXX XXXX  and one of big 3 has broken state and federal laws concerning fraud on XXXX credit card from 2013. The other 2 earased but equifax blocks me from getting on site even as paying customer. Then they have 6 hard inquiereys that they want take off. Also latee payments were not done by FAIR CREDIT REPORTING SECTION 604, 609, 611 AND 623. THESE FOREIGN WORKERS DO NOT DO ANY AMERICAN LAWS WHEN THEY FAKE PUTTING IN DISPUTES. I WANT XXXX FOR XXXX XXXX DOLLARS OFF ACCOUNT AND THEN THEY HAVE ME BEING LATE ON OTHER XXXX CARD AND NEVER LATE. 6 HARD INQUIEREYS WERE NEVER LOOKED AT. SO MANY ISSUES. EVERY BAD ISSUE SHOULD BE STRICKEN FROM MY FILE BECAUSE THAT IS LIKE 2 OTHERS THAT FOLLOW THE FCRA.
Complaint sub-issue: Debt is not yours

I received a letter from Enhanced Recovery Company that they are pursuing me for over {$800.00}. I sent a certified letter back to them requesting debt validation and the following information from them : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : They sent a bill from a 3rd party which still did not address what was requested from them or how thats shows I owe them specifically. I sent a second certified letter which they never responded to but instead reported this inaccurate info to the credit bureaus. I have never done business with Enhanced Recovery Company furthermore there is no signed contract with Enhanced Recovery Company. I have the right to demand to see a signed contract between myself and Enhanced Recovery Company as adding this invalidated info has negatively impacted my credit score.
Complaint sub-issue: Debt is not mine

I rec 'd a letter from Ally XXXX for a debt that is NOT ours. I verified this with my husband 's SS #. I told them XXXX to not contact us again via phone or letter or I would file a complaint with CFPB. I even wrote that on their letter and sent it back the next day. They even asked if I knew the person they were trying to reach. There are several people with the same name ... .I googled it. How would I know WHICH one they were looking for? Besides even if I did know ... ... it 's NONE OF MY BUSINESS!!!!!
Complaint sub-issue: Report improperly shared by CRC

After originally complaint was filed, more information was requested. It was faxed 6 times and every time we called they said they did not get it. I received my credit report in mail dated XX/XX/2016 ( Equifax Confirmation # XXXX ) and it is now WORSE THAN EVER!! My name has been completely removed from my own credit report. It has been change to someone and I do n't know who by the name of XXXX XXXX XXXX, XXXX. The Date of Birth is not mine. My address is XXXX XXXX XXXX address. THIS IS SO WRONG!!!!! I call to talk to people and NO one knows what is going on. I have submitted my SS card and my DL to confirm my identity, which is XXXX XXXX XXXX, XXXX. But they still say I am XXXX XXXX XXXX. HELP HELP HELP!!! HELP!!!!! I have no idea who this person is!!!! My health can not keep this going!!! I need someone to contact whoXXXX can fix this and fix it NOW!!
Complaint sub-issue: Debt is not mine

XXXX XXXX from Procollect advised me that I need to contact him, but I have already forwarded him documents confirming that the account is not mine, I am already registered with the Do Not Call List and he keeps calling me daily.
Complaint sub-issue: Problem using a debit or ATM card

Dispute reference XXXX filed in a timely manner with the banking institution, on XX/XX/2018 a PNC Debit Card Transaction Form was completed and faxed, along with a detailed page listing a documentation/illustration of what should have been received. A scanned copy of the documents provided to PNC have been attached.
Complaint sub-issue: Account status

I reported to Equifax that my SSN was in my report as an account number for a closed, paid loan with University XXXX and thus violating FCRA section 609 ( a ) ( 1 ) ( A ), and that there was incorrect information in the entry multiple times. 

They have refused to truncate the account number so that my SSN is not in my report. 

The account with the University XXXX is missing the date of first delinquency, indicating it would continue on record forever, as if it were n't paid in full. Since it is not being guaranteed by a government agency now that it is paid in full, the date of first delinquency is required to calculate the date that the account would be obsolete.
Complaint sub-issue: Investigation took more than 30 days

TODAYS DATE:XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXXXXXX XXXX, FL XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX DEPT OF EDUCATION/XXXX  XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v XXXX, Stevenson v. TRW ( XXXX  ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX FL XXXX
Complaint sub-issue: Information belongs to someone else

I value your help to REMOVE a portion of the data in my credit file that came about because of a FRAUD, yet I noticed that som information 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. Please remove the remaining fraudulent information from my Credit file as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/2021 XXXX Also, if you claim that the disputed items belong under my name, please send me copies of proof of verification or proof of ownership as a supporting document. In the absence of such documents, immediate removal of the disputed items will be appreciated.
Complaint sub-issue: Their investigation did not fix an error on your report

Please be advised that as of ( XXXX ) -as listed on my most recently reviewed consumer report, there are unverified accounts listed. 


15 U.S. Code 1681i - Procedure in case of disputed accuracy
Complaint sub-issue: Report improperly shared by CRC

XXXX pulled a hard credit inquiry with out my permission on XXXX XXXX, 2015 as reported on my Equifax credit report. This need to be immediately removed. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. ''
Complaint sub-issue: Problem making or receiving payments

I responded to Citibank 's promotional offer in XXXX 2022. They sent me an offer to give a " bonus '' of {$1500.00} if I deposited {$200000.00} or more into a checking account. This was promotion code XXXX. I went ahead and opened the account & deposited the required money- transferring it from another bank account. When the approximate date for the availability of the " bonus '' neared, I called Citibank in order to determine that exact date. Over the course of several weeks I called on about five different occasions & asked that same question. Each time it took an inordinate amount of time for the bank rep. to get an answer. And each answer was different by days or weeks. At no time did any bank representative mention that my bonus offer would not be honored! In XXXX, 2022 I again contacted the bank and was told that I had not met the promotional requirements and therefore was not eligible. The bank had held my {$200000.00} dollars for six months and I had not earned one cent of interest or " bonus ''! I discussed the issue with " XXXX '' on XX/XX/XXXX and also " XXXX '' on XXXX XXXX. On XXXX XXXX I requested an " escalation '' ( their word ). Later, I received their letter dated XXXX XXXX which states that " my account does not qualify since the required deposit was not made per their instructions. ''
Complaint sub-issue: Trouble with how payments are handled

Servicer is not counting PSLF eligible payments citing payments were made over 30 days before deadline to pay. This is not a rule per Dept. Of Education. It just stipulates no late payments. Servicer sends bill to me well over thirty days before payment is due and I pay it within days of receiving the bill. Then they just do n't include it as eligible. They make up their own rules. Their phone reps misinformed me on my XX/XX/XXXX payment, saying I only need to pay a {$700.00} amount. I later found out this would not count towards PSLF. They also said in XXXX that I should make a payment around {$1000.00} to cover capitalized interest just ad my graduate school grace period ended and this payment was not in my best interest for PSLF. They routinely misinform via phone on the best payment strategy to qualify for PSLF and undertally PSLF qualifying payments. I have filed a complaint with the Ombudsman through Dept. Of Education but the end result was unchanged. They should reimburse the overpayments they accepted which they did n't apply as PSLF eligible and apply elifible payments without this erroneous uncited reasoning of paying over 30 days before due date when they send a bill beyond thirty days in advance and do n't state anywhere that such a stipulation exists.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX, I wrote a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored over my disputes. In Section 611 ( a ), it is clearly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused me. My information was also compromised by the Equifax data breach and may have gotten into the hands of the wrong person.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX andI have had a credit card account with XXXX XXXX XXXX for years now. All of the sudden they sent my account to a collection agency and i just settled my debt with them. Now XXXX XXXX is saying i still owe them money and they say im late on my payments when i never missed one
Complaint sub-issue: Problem with paying off the loan

I had my car loan with PNC for my previous car. 
After my previous car got sold carloan had been payed full by the dealership. 
My account got closed with PNC and I got locked out from their website! 
Which is normal but they still continued to take out car payments from my personal bank account! 
It happened twice! After the first time I talked to them and they promised it wouldnt happen anymore! 
Got a refund from them but it took 10 days! 
However happened again a month later! 
After the second time they took out money I called their customer service but they tried to blame me and they said I should of had to stop the payment myself through my online account! Which is impossible because 1 ) they locked me out from my online banking since my account been closed so how I supposed to cancel anything?! 
2 ) I did talked to them on the phone after the first time and they did say it wont happen anymore! I was just simply trusted them! 
After 11 days I still dont have my money back!