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

I filed a dispute with Citibank on a purchase that was made with a travel agency. When Covid began, I asked the travel agency what my options were. The agent explained to me that if we were to cancel, we would get a credit and I explained that I did not want to do that. The next day I looked at my flight status and my booking no longer existed. I contacted XXXX XXXX, who we were to fly with, and they said that our flight had been cancelled by the travel agency. We filed a dispute with Citibank because the flights were cancelled without our permission. We sent in the emails that clearly stated that we did not want to cancel our flights and the travel agency admitted to cancelling our flights without our permission. If they had not cancelled our flights, we would have received a refund from XXXX XXXX because they had added an extra layover to our flight regardless. We had to reopen the dispute multiple times and this past time we received a letter stating that " We no longer have any available means to assist you in this matter since the time frame in which to resolve a dispute has passed. " I truly believe that if CitiBank would have read the documents and followed up with the dispute, they would have seen that what was done to us was fraudulent. We did not go on our trip. Our flight was cancelled without our permission by the travel agency. That money is rightfully ours.
Complaint sub-issue: Debt is not yours

As of XX/XX/2018 HUNTERS WARFIELD KEEP INCREASING AND DECREASING A DEBT THAT DOESNT BELONG TO ME.. ACCORDING TO THE FCRA INCREASING AN AMOUNT THAT HAS ALREADY BEEN REPORTED YOU CANT INCREASE AND DECREASE BY {$1.00} TO {$2.00} DOLLARS EVERY WEEK OR MONTH WHICH DAMAGES AND HARASSING SOMEONES CREDIT ITS NOT RIGHT ITS A VIOLATION UNDER THE FCRA. THIS MUST AND SHOULD BE REMOVED FOR INACCURACIES UNDER SECTION 609.
Complaint sub-issue: Problem with fees

This is not fair unbelievable I am very mad I mailed my payment 3 weeks in advance its always received before the due date each month and for some reason it got delayed and I was a charged a late fee I called customer service they were very rude with understanding why it was received one day after the due date after telling them the truth I dont deserve to be treated this way Im a loyal good customer I always pay on time and before my due date not fair
Complaint sub-issue: Didn't receive enough information to verify debt

I am currently XXXX and unable to work or secure full time employment. I am attempting to resolve a few issues on my credit report so I can relocate though a low income housing program offered through the Local Housing Authority. I am being represented by a credit counseling agency and on XX/XX/2021 they attempted to contact XXXX XXXX XXXX on my behalf to pay this resolve this debt on my behalf. I was literally in the office with them when they made the call and they refused to cooperate with my representative. This type of behavior is unacceptable from a professional debt collection agency that they claim they are. I will be contacting there client, Bank of The West and ensure that they are fully aware what kind of 3rd party company they are associating themselves with. We were simply calling to confirm the nature of the debt and pay it using the housing authority funds allocated for me through the homeless initiative. Why does a debt collector not want to collect debt?
Complaint sub-issue: Fraudulent loan

On XX/XX/XXXX, I took out a private student loan through XXXX XXXX XXXX/AES XXXX in the amount of {$14000.00}. As of today, XX/XX/XXXX, the balance of this loan is {$21000.00}. Over the years, Ive spoken with this lender to discuss these predatory terms and done forbearances from time to time because Ive struggled with making these payments. But no other solutions are available for this loan according to the lender. I was a college student paying for college on my own when I took out this loan. Now that Im older and more knowledgeable, I now know this was an act of predatory lending and hoping the CFPB can help.
Complaint sub-issue: Account information incorrect

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX  XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$11000.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX XXXXXXXX Open Date XX/XX/XXXX balance : Balance : {$0.00}
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Problem with personal statement of dispute

A late payment had been on my credit report for more than 2 years, I've called and asked for it to be removed to no help.
Complaint sub-issue: Account information incorrect

I've disputed all these account on my personal account and have not receveied a responce
Complaint sub-issue: Problem during payment process

I was scheduled for XXXX XX/XX/XXXX XXXX XXXX knew I would not beable to get to Bank for my payments coming up so I spoke with Assistant Branch Mgr while in Bank on XX/XX/XXXX th XXXX paid for XXXX XXXX we had called The Main Branch of PNC Bank XXXX they agreed I could make payment early Now to my Dismay XXXX Bill has Arrived XXXX they charged me a Late Fee Plus they increased my Mininum payment Due. I have never ever had a problem at my other Bank Paying anything early They have said that they waived the late fee But in the next breath if I were to pay it today it would be fine XXXX wont reduce the new minimum fee which is normally {$45.00} now its XXXX Now XXXX is scheduled for XX/XX/XXXX th XXXX I am going to encounter the same Dilemma then they said that I should use bill pay. They can not tell me what I should use to pay my bills. I have never been so disgusted with a financial institution such as PNC Bank and can not wait to be done using them
Complaint sub-issue: Problem getting my free annual report

The site will not load can I get a phone number to call. I only have my cell for internet use and I am worried now that it 's hacked
Complaint sub-issue: Information belongs to someone else

XXXX Private Loan is a fraudulent account this erroneous charge needs to be deleted immediately with urgency. They sent this to a second party Firstmark Services. Now, they sold it to a company based out of XXXX known as XXXX XXXX XXXX XXXX. This account was opened in XX/XX/2009. The initial amount was {$12000.00} due to interest {$24000.00}. Ive reached out to all parties. Ive filled out a police incident report, FTC report, Ive done everything they requested over the past year. This needs to be removed and permanently deleted from my credit report dropping my credit over 100points this is egregious.
Complaint sub-issue: Debt was paid

I sent a 609 letter to XXXX on XX/XX/XXXX which was 30 days ago.Still no response.I also sent a letter to IC systems stating this account was paid which was closed XX/XX/XXXX and didnt know why this debt of {$360.00} was put on my credit history XX/XX/XXXX.They put this on my Credit Report without any warning or action to respond.I will like this negative item off my account which is the only negative item on my account and I been having a great pay history for that last 3years without any negative items.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act there a accounts attached that have 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 consent.
Complaint sub-issue: Account terms

XXXX XXXX is incorrectly reporting a 30 day delinquency that is not correct. I paid as agreed on the account and have never been late. The account is currently eenrolled in a debt management program that has also been paid as agreed. I contacted XXXX XXXX and they agreed and refunded the late fee charge and indicated they would remove the derogatory reporting ( 30 day late notice ). They have not done so since contacted over 60 days ago.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX  XXXX falsely reported a debt stemming from an alleged overdue cable bill with XXXX XXXX in my name. In response to CFPB complaint XXXX XXXX XXXX  XXXX acknowledged that, while it did not own the debt, it was seeking to collect for an alleged amount from XXXX. In CFPB Complaint XXXX I disputed the debt. Moreover I informed XXXX they were not licensed to collect in my state, Michigan. XXXX responded stating it would cease all collection efforts1. However, XXXX has continued to furnish information regarding the alleged collection account to the XXXX. The XXXX  have allegedly transmitted disputes to XXXX and " verified '' the continued collection activity despite XXXX making clear it'd ceased all collection activity. Full statement and documentation attached.
Complaint sub-issue: Account status incorrect

I OPENED an account with XXXX XXXX, and XXXX XXXX in XX/XX/2020. I set up auto pay, and for 2 months the payments were deducted without a problem. In the 3rd month XXXX XXXX and XXXX the payments were not deducted, and the ability to make the payments was not allowed on the website, In addition no one will answer the phone when you call them. As a result there are now 2-90 day late payments from NATIONWIDE ACCEPTANCE which is the loan servicer for XXXX XXXX, and XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a dispute on my credit reports for a incorrect charge off/collections account and it has still not been removed from my credit report. The creditor purposely listed incorrect debt amount and reported the account as derogatory on my credit report. The credit limit was for {$800.00} and the charge off/collection derogatory amount reported is {$1300.00}. They have sabotage my credit report by listing false information and have damaged my credit score as well as my ability to get credit.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The companies accessed my credit without my consent : These lenders have accessed your credit file : XXXX National Credit Card Cos. 
Inquiry date : XXXX XXXX, XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX Auto Financing Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  XXXX National Credit Card Cos. 
Inquiry date : XX/XX/XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX Auto Financing Inquiry date : XX/XX/XXXX XXXX - XXXX XXXX All Banks Inquiry date : XX/XX/XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX XXXX
Complaint sub-issue: Deposits and withdrawals

I deposited XXXX into my citi checking account on XXXX. I get emails saying my deposit has been accepted. I try to transfer funds over to my brokerage account and I can't do it. I call citibank and they say they can't verify the security deposit check from my former rental management company, after the company calls citi and gives them the information they need to verify the phone number of the company who issued this check the company tells me citi would call me about the matter, I never get a call from citi and they have blocked access to all my accounts without giving me a reason why, I've been in contact with citi for the last few weeks and they keep me on hold for 45 minutes without telling me why my accounts are blocked. I have never had issues before with my accounts until the deposit of this check which has been verified.
Complaint sub-issue: Account information incorrect

To Whom It May Concern, Thank you for taking the time to review this letter. I am requesting the removal of the disputed 90-day late mark on my credit report from Fed Loans Servicing Agency. I have previously disputed the aforementioned information on the basis of negligence during my account transfer from XXXX XXXX XXXX XXXX to Fed Loans Servicing. As a result of the unfortunate circumstance, the matter was investigated and my account was placed in forbearance during the period the negative mark was reported. 

Subsequent to the investigation and the acknowledgment of negligence, Fed Loans approved an administrative forbearance on my account for the months of XXXX through XXXX of 2019 and issued a letter on XX/XX/2019 notifying me the credit information would be corrected and submitted to the consumer reporting agencies. The letter also stated it would take approximately 60 days for updates to reflect on my credit report. However, months has passed since XXXX of 2019 and the disputed 90 day late status is still visible on my credit report for XXXX of 2019. I am respectfully requesting the complete removal of this negative mark on my credit report as I do not want this error to jeopardize my credit worthiness to potential creditors. 

Please consider this letter as a formal request to remove the Fed Loans 90 date late negative mark as soon as possible as I do not understand why a 90 day late status remains when my account was in forbearance. Enclosed is a copy of the aforementioned approved forbearance agreement and the credit correction submission.
Complaint sub-issue: Account status incorrect

It appears that the Consumer impacting unethical incentives, misleading process, and incompetent processing by Citibank AND XXXX XXXX is resulting in considerable financial damage to me personally. 

My credit report shows a {$200.00} balance was charged off by XXXX XXXX AND Citibank. I was NEVER sent a physical charge card. I was NEVER sent ANY statement. 

I have carefully built over a 40 year credit history with no missed payment. This unethical and incompetent behavior by Citibank and XXXX XXXX is impacting me financially. 

The reporting shows I applied for {$200.00} credit during checkout process during XXXX as part of instant credit offering and it was not paid back. But, again, I NEVER received a charge card, not did I ever receive a statement from either XXXX XXXX or Citibank. 

My request is to remove this damaging information from my credit report. I offered to pay {$200.00} even if the checkout clerk opened an account in my name without my permission.
Complaint sub-issue: Account status incorrect

My complaint is harassment  and penalizing  treatment by Midland Mortgage aka Midfirst Mortgage aka Midland Bank, incorrect information reported to credit reporting agencies, misuse of escrow funds, over charges of escrows, forced insurance purchase, not abiding by established mortgage terms after purchase of loan from XXXX XXXX. 

XXXX XXXX XXXX Midland Mortgage purchased my mortgage from XXXX XXXX. Hurricaine Florence hit XXXX XXXX my area was declared a disaster area by FEMA and the President. I requested a deferment from XXXX, and was granted a via letter dated XXXXforbearance thru XX/XX/XXXX w/ my loan being current the next payment due XX/XX/XXXX for a total of 3 payments. Immediately upon being notified of the new mortgage servicer Midland I contacted them early XX/XX/XXXX and sent copy of the granted forbearance. From that point I have received countless letters stating I was delinquent despite the approved deferment/forebearance. They sent me a letter on or about XX/XX/XXXX my wind and hail ( extra insurance NOT REQUIRED by XXXX ) was expired. That Midland purchased w/my escrows Wind and Hail from their Ins. Co., ( Force Purchase, Midland a party to a past class action suit force purchasing Ins. for homeowners ) I on XXXX XXXX XXXX provided proof of Wind and Hail I purchased good thru XX/XX/XXXX and was paying for in good standing. This forcing Midland to cancel their Forced Purchase. Midland at that point Took funds from my Escrow Acct. and purchased Wind and Hail again at full price of {$1700.00} ( I was already paying for causing Duplicating payments ) ) causing my Escrows to go in arrears. They also are demanding xtra escrow above the needed balance to pay the bills. My monthly escrow payment went from {$240.00} to {$650.00}. 
Midland Mortgage pressured me to apply for a Loan Modification and sent applicable plan which increased my Mortgage Interest rate to more than 5.4 % from a 3.8 % I currently had. This would have given Midland more than {$100000.00} over the life of the loan. I refused the modification and informed Midland I would pay up what I owe n my own. I spoke w a male supervisor who threatened me if I did not accept the Modification plan that they would report to the credit reporting agencies late payments. I rebuffed and stated the previous forbearance d/t disasters should not report the forbearance as late or delinquent. I subsequently expressed Midland was unfair, harrassing  and deceptive in not explain consequences of a forbearance in my initial notification to them. I paid all owed mortgage payments w/I 3 months. and am current in my mortgage since. Midland reported to the credit agencies 90, 60 and 60 days late payment even though I pain all owed. All conversations and calls to them  have been recorded by them. I had an attorney sent a letter w/no resolution.
Complaint sub-issue: Frequent or repeated calls

I took a title loan on my XXXX XXXX. At the time was unemployed as well as currently and applied for a loan {$900.00}. I paid them {$900.00} but their compounded interest rates were too overwhelming. At the time I told them that the car was theirs to take and the amount owed the was {$420.00} of interest after repayment of principal in full, they kept calling that they were willing to goodwill offer for the payment. But my understanding was that if I somehow could not repay them they would just keep the car after all, they have the title. But to this day I keep getting phone calls day and night as early as XXXX XXXX. XXXX. They have the car our transaction is done. I would like to somehow alleviate these harassing phone calls and real good will intervene and I not be held responsible for their compounded charges ( after all in earnest I have paid them the face value of the loan and not affect my credit.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 

account name XXXX XXXX account number : XXXX account name : XXXX XXXX account number : XXXX account name : XXXX XXXX XXXX  account XXXX account name : XXXX account number : XXXX account name : XXXX account number : XXXX account name : XXXX  account number : XXXX account name : XXXX  account number : XXXX account name : XXXX XXXX XXXX account number : XXXX account name : XXXX XXXX XXXX account number : XXXX account name : XXXX  account number : XXXX 15 u.s code 1681 section 602.a. states i have the right to privacy 15 u.s code 1681 section 604 section 2. also states a consumer reporting agency can not furnish a account without my written instructions ( in which i have given no instructions to do so ) 15 u.s code 1681 c. ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 u.s code 1681 s-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 ( which i have printed my credit report and found many inaccurate items, which violates my rights over and over throughout the report. ) i sent out an investigation letter to all XXXX credit bureaus XX/XX/2022 as of XX/XX/2022 i have not received results from experian nor did none of the bureau send me a letter within 5 days stating they started the investigation i also specifically asked withing the letter to be notified of whom access to my credit report which has failed to be provided
Complaint sub-issue: Other problem getting your report or credit score

Equifax is failing to report/ update my information. They claim it had to do with my address, but that is not the case as my address has been updated since I relocated. XXXX is reporting balances after statement balance with interferes with the utilization and usage reporting. My score drops and they claim they can report when they want. Whats the point of a statement balance if your just going to report whenever you want anyways.