Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Trouble getting a working replacement card

I need a new card issued and I was on hold 5 hours!!! Lady answers she ca't help me. I followed the step that it said to follow to get the new card and to change the address.. WHAT DO YOU MEAN YOU CAN'T HELP.. sorry .. On to the next call 3 hours later system down ... NO HELP AGAIN.. had them try to call me.. Ok, this would work if the people calling you back would let you answer before they hang up.. NO JOKE HAD MY PHONE IN MY HAND 2 times and went to answer.. they hung up before i could push the button.. I have now been on hold again for 2 hours .. Lady answer.. GUESS WHAT.. She can't help transferred me to another location now I have been on hold for 2 more hours.. OHHHH WAIT.. she told me just to do this with automated system on line.. NO XXXX XXXX XXXX XXXX .. If my card was not lost and I would do that!!!!! I ask her for my account # she can't give that to me for security reason. DEAR LORD HELP ME!!! lol First, I want to say I know times are hard and I do appreciate everything people are doing to help .. But WHY is this so hard just to get a new card issued!!
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX  are reporting incorrectly that I am 90 days past due on XXXX XXXX  XXXX partial account number XXXX. ( Please see pages 3 and 4 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have these items that are not mine and i want them to ber emoved from my credit report. 

XXXX  1. Identity Theft CREDIT PLUS Account Number : XX/XX/XXXX This is not mine. 

XXXX  1. Identity Theft CREDIT PLUS Account Number : XX/XX/XXXX This is not mine. 

2. Identity Theft CREDIT PLUS Account Number : XX/XX/XXXX This is not mine. 

3. Identity Theft CREDIT PLUS Account Number : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

XXXX  1. Identity Theft XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

2. Identity Theft CREDIT PLUS Account Number : XX/XX/XXXX This is not mine. 

3. Identity Theft CREDIT PLUS Account Number : XX/XX/XXXX This is not mine. 

4. Identity Theft CREDIT PLUS Account Number : XX/XX/XXXX This is not mine.
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items or information which are found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these files. 

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 XXXXXXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I had a payment and it was late a few days. I immediately called to resolve and they said it would not be reported and even reversed the charges, They still reported and on some of my credit accounts have as a missing payment, which is incorrect because I resolved. I have called several times and they said it should have been removed.
Complaint sub-issue: Problem with customer service

XXXX sold my XXXX XXXX credit card account to Citibank around XX/XX/2018. I tried to log into the old XXXX account to get credit card statements from XX/XX/2018 - XX/XX/2018. They are not available anymore. I logged into the new account with Citibank and they are unable to provide statements from previous months when the account was owned by XXXX. I called Citibank on XX/XX/XXXX and requested statements. They informed me they had to request them from XXXX and this would take 7-10 days, I never received anything. I called on XX/XX/XXXX and requested them again and was advised it would be an additional 7 to 10 days, I never received them. I called Citibank on XX/XX/XXXX and was told to call XXXX. I called XXXX and they said Citibank has a procedure they have to follow to request statements. I advised that they had requested them twice and have not received them. XXXX told me to call Citibank and tell the to request the statements. I called XX/XX/XXXX and spent the better part of 3 hours on the phone with XXXX and Citibank simultaneously each stating the other is responsible to get the statements to me. Citibank advised XXXX that they did not receive old statements that they have to request them and XXXX said they don't have them anymore. Citibank told XXXX they were required to keep the statement for 7 years. XXXX told Citibank that they would have to request the statements. Citibank advised they had twice and still haven't received them. Once Citibank receives them, they can then forward to me. Citibank called me back on XX/XX/XXXX and said someone was looking into this problem but it would probably be another 8 weeks. In this day and age I'm pretty sure someone could push a button and get me copies of old statements. I have two separate accounts with XXXX. XXXX and this is happening on both accounts. I have requested and have not received statements yet they want me to continue to pay my bill. The second account we have is in my husbands name, however, there is only space for one credit card number on this complaint. I have listed him as an additional card holder. If you need his card number please let me know and I can forward it to you. I was trying to only do one compliant instead of two, one for each account.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

There is a XXXX XXXX XXXX tax lien that I have been battling with XXXX and Equifax to delete after the lien has been satisfied immediately through direct paycheck deduction. I have suffered enough through wage and account garnishment. I requested for Equifax and XXXX to furnish me with the phone number of the agency that provided them the information.. I was referred to XXXX County Registry. The registry said they do not report to credit bureau but their records are open to the public. Since the lien has been paid and XXXX wants it to be deleted after satisfaction, please compel these Bureau to delete the record. XXXX
Complaint sub-issue: Account terms

Dear CFPB, I am reporting an issue with Equifax that concerns fraudulent credit inquiries on my report. 

At some point in early XXXX 2016 or before, my social security and personal information were obtained by an unknown individual. I became aware when I checked my credit report for information concerning the collection account discussed above. Unfortunately, I discovered multiple credit inquiries which I had not made. I disputed those inquiries and some were removed. However, more applications for credit cards were made even though I had place a fraud alert on my account with all XXXX credit bureaus. Subsequently, I have place a security freeze on my credit report with all XXXX credit bureaus. Since then, it has proved difficult to engage Equifax in removal of the remaining fraudulent credit inquiries. I have contacted the companies at which the applications for credit cards were made and they informed me they notified the XXXX credit bureaus to remove the inquiries. Still, the inquiries remain ... I have listed the fraudulent inquiries below : Equifax : ( i ) XXXX XXXX XXXX - XXXX XXXX, 2016 ( ii ) XXXX BANK XXXX C - XXXX XXXX, 2016 Equifax has sent me the " results '' of its investigation and stated I need to contact the creditors. Well I have contacted the creditors and they said they contacted Equifax! It seems they will send me in an endless loop! Please see attached document for details of the inquiries from my Equifax Credit Report.
Complaint sub-issue: Reporting company used your report improperly

I have previously disputed this item with you ( US Bankruptcy CT MD XXXX /Reference # XXXX ) and in response you have verified this item as accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or to any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately. ''
Complaint sub-issue: Need information about your loan balance or loan terms

The 1098-E shows {$990.00} was the total interest paid to the loan in XXXX. In XXXX I only paid interest totaling {$420.00} and there was no outstanding interest in XXXX. 

The servicer can not advise what period this paid interest is for for the 1098 E or other periods of capitalization. I would like to know : 1. What loans had capitalized interest, the amounts, and periods for XXXX through XXXX
Complaint sub-issue: Problem with fees

Macy credit my account for {$6.00} for the past 3 months due to interest fees that were charge. I was told that they were charge incorrectly and credited and to reach out to a XXXX to get the late payment removed due to being late for 31 days for a {$2.00} interest fee that I was never aware of or contacted. My account was suppose to be no interest until XX/XX/2022. When I called the number provided, they seen the credit but could not update the incorrect late remark that was placed on my credit report. The account is up to date and has been credited correctly. I just want the late remark removed off my credit report.
Complaint sub-issue: Information belongs to someone else

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. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00}, XXXX XXXX Date XXXX Balance : {$11000.00}
Complaint sub-issue: Problem with fees

US Bank through XXXX did not send me a bill for last month and then proceeded to charge me a {$29.00} late fee. I called them to report it and they did not reverse the late fee.
Complaint sub-issue: Debt is not yours

XXXX, 2022 I received an alert about an collection account from NTL Recovery Agency, I've called and spoken with NTL and explained to them that this account has been resolved with another agency, NTL Recovery Agency refuses to remove this collection off my report, this is unacceptable and Unprofessional.
Complaint sub-issue: Debt was result of identity theft

Upon check my credit file, I notice immediately that I had become a victim of identity theft that. I immediately took action by contact the 3 major credit bureaus and file Police/FTC to have these account removed from my credit filing. I was able to get these fraudulent account resolve, except for 1 with the company ACIMA credit. I immediately reach out to them once i had got a response from the credit bureay XXXX that my dispute had been denied. Upon reaching out and speaking with a representative of the company where they told me, they did find accounts with my information attached but with different name listing, i was then told to email the fraud department and that i would get a response by email or call in 2-3 days, several days had passed and i received no contact from the company, I repeated this step again.. called 3x and on the final time i was told to resubmit the email.. still no response.. THis account is for {$2100.00} but it is stated to be charged off.. I would to have this matter resolved as i have not beneifted nor authorized the use of my information to obtain anything with this company
Complaint sub-issue: Information is not mine

I explained to credit card company that at the time I XXXX and my wallet got stolen my credit was done aftyer that day they open phones accounts water all kinds of stuff and I not able to fix cause every body thjat I try to talk to acts like XXXX
Complaint sub-issue: Card was charged for something you did not purchase with the card

reference : Citi ( R ) Cards XXXX XXXX XXXX XXXX XXXX, SD XXXX My XX/XX/2022 Citi Cards bill had a {$790.00} charge on it that I did not make. It was a charge made at XXXX. As soon as I realized the problem I reported the issue to Citi Cards phone support.. In the phone conversation I stated that I did not order the product ( s ) nor did I receive them. I also stated that it appears that someone " hacked '' my Citi Card credentials and made the purchase. 

I received a rejection of my complaint, detailing that the product had been delivered to an address in south Florida and therefore Citi was not responsible. It appears that the phone support person filed this as product not received, not a fraudulent charge. I replied to this, attempting to correct the error. 
attachment -Reply to Citi rejection XXXX details what Citi found attachment -First Billing Dispute Email Reply XXXX details my reply Via USPS mail I received the last rejection stating that they were rejecting my claim because I had initially reported it as goods not delivered and not a fraud claim. 
attachment XXXX is the letter rejecting the claim on the basis of the incorrect claim type. 
attachment -Final Billing Dispute Email Reply XXXX My protest letter to the billing dispute rejection. 

I received a final letter from Citi stating that I had run out of time according to Master Card rules. 

Each communication that I have made with Citi has been in a timely manner, upon receipt of paper communication from them. This matter should have been resolved in XXXX or at least by XX/XX/XXXX. Please help.
Complaint sub-issue: Reporting company used your report improperly

Todays Date : XX/XX/XXXX RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on [ insert date of report ] and I noticed an unauthorized inquiry had been made.

I contacted [ inquiry sources name ], who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX/XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX   Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX/XXXX  Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX  Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your assistance in this matter, XXXX, XXXX   SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Complaint sub-issue: Account information incorrect

On XXXX XX/XX/2019 XXXX XXXX filed for Chapter XXXX Bankruptcy in Arizona ( Case No XXXX ). XXXX XXXX XXXX received a Chapter XXXX bankruptcy discharge on XXXX XX/XX/2019. As you are aware the discharge prohibits any attempt to collect from the debtor a debt that has been discharged. In a case involving community property : There are also special rules that protect certain community property owned by the debtor 's spouse, even if that spouse did not file a bankruptcy case. At the time of filing XXXX XXXX XXXX, was married to XXXX XXXX XXXX. The bankruptcy case for XXXX XXXX XXXX listed all community assets as part of the bankruptcy estate. In this case the discharge operated as a community discharge where community claims were discharged for the non-filing spouse. Under Section 524 of the Bankruptcy Code, creditors of the debtor and the non-filing spouse who have a community claim on the date of the filing of the bankruptcy case are barred from asserting a claim against after acquired community property. The resulting Chapter XXXX discharge operated as a community discharge of the community debts. Please be aware that an attempt to collect a discharged debt from the community property from the non-filing spouse violates the discharge and you may be required to pay damages and attorney 's fees to the debtor.
Complaint sub-issue: Their investigation did not fix an error on your report

I have on requested documentation of the information each consumer credit reporting company used to validate information on my credit report, in accordance with the United States Fair Credit Reporting Act ( FCRA ), 609. Disclosures to consumers [ 15 U.S.C. 1681g ]. I have submitted 3 separate requests for this information under 609 of the FCRA. Each time these company 's have responded by either saying they don't understand the request ; or they processes these requests as a dispute, and then report that the information was validated, refusing or failing to provide the information they used to validate the accounts, as required under 609 of the FCRA. 

Each company was sent a copy of the attached 3 letters ; one sent in XXXX, one in XXXX, and one in XXXXXXXX XXXX XXXX
Complaint sub-issue: Company closed your account

On XXXX I opened a checking account online at Citibank because they are close to where I live and I was behind on rent and my Management company was requiring a cashiers check. I deposited {$4900.00} on XXXX cash in the branch, which was to go to the nearly {$9000.00} I needed to pay toward back rent. On XXXX I initiated a bank transfer to Citibank For {$5000.00} from XXXX  XXXX XXXX. I was going to go to the branch on XXXX to get the cashiers check and the morning of XXXX, Citibank blocked my account and said they would close my account within 60 days and issue a check. I have no funds and just was hospitalized with XXXX  XXXX. Please help. 
I have nothing to live on and have to have a place to live.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I did not give permissable purpose for the following hard inquiries on my credit reports. Please remove them immediately.. 

Do not put a fraud alert on my report. I will lock my reports once the online profile logins are open. 

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 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 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: 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/XXXX 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 you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 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

I sent a letter on XX/XX/2022 to remove : XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$500.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$350.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX : {$1800.00} ; XXXX XXXX XXXXL ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$510.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX BANK XXXX XXXX XXXX ) XXXX Balance : {$280.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$220.00}, that is 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 these accounts or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX & I am including it again.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.