Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with fees

Hi, I was just charged a late fee by Citibank on a new credit card account. I did not receive a statement in the mail, so I did not know that a payment was due. I just made the payment in full for {$60.00} on the Citibank website. I asked them to refund the late fee, but they refused. I noticed that they had this account set up for paperless statements, which I did NOT request. Therefore, I would like the fee refunded. I have been a long-time Citibank customer and I keep my account current. 

Thanks, XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

After reviewing my current credit report with Equifax. As of today XX/XX/2020. I notice that an account under the name : ( XXXX XXXX XXXX XXXX ) has been reinsurted on to my consumer credit report without written notice 5 business prior per Fcra rules section 1681. As a result, Equifax is in violation of FCRA rules. 


Account : XXXX XXXX XXXX XXXX is also in violation of the FDCPA section 809b. 

This account was originally submitted under the name : XXXX XXXX XXXX  XXXX. But now has been reinserted ; with a totally different original creditor ; XXXX XXXX  reporting the same outstanding balance and XXXX XXXX XXXX. 

Please ; This was intentionally done to damage my consumer Credit profile. This account is not only fraudulent, but misleading, inaccurate, and inconsistent. A clear violation if FCRA rules and the FDCPA. 



This account was reinstated back in XX/XX/2020 and was deleted for violating FCRA rules and now has been reinstated again. 

Please see attachment ;
Complaint sub-issue: Contacted you after you asked them to stop

Afni threatening me
Complaint sub-issue: You told them to stop contacting you, but they keep trying

They have called multiple times in the past 2 weeks alone I have asked on multiple occasions for them to stop calling. Also they are trying to collect a debt that is in dispute both with the credit bureaus and with the FTC as well and they dont care.
Complaint sub-issue: Problem lowering your monthly payments

I contacted American Education Services about reducing my loan payment while I attend dental school full time and can hardly work. They concluded that I can not receive income based repayment or deferment. This occurred on XX/XX/2018.
Complaint sub-issue: Overdraft charges

Last month I had the fraud case and got help for it with your company then the direct express card put a payment on it and didn't explain what was going on. 
Then yesterday XX/XX/2022 I got a overdraft fee of XXXX and they took my money I had left on my card XXXX and so I called them and they said that they closed the investigation that day and that's why I was charged the money. Then today I called them back to get more information about it. The lady XXXX told me that I need to pay them back for the money they put on my card and that I don't have any other choice. 
I live on a strict budget for the month I can't even live on what I get with out help I got a lot of bills I can just pay that kind of money in one go they are the ones that made the mistake on my card and now they want me to pay for it.
Complaint sub-issue: Information belongs to someone else

Hello, I am XXXX XXXX XXXX and the reason I am writing to you is complain on Equifax for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Complaint sub-issue: Personal information incorrect

I applied for a debt consolidation loan with Upgrade and I was told I was denied using information from XXXX and XXXX. I accessed my XXXX report and NOTHING on this report is accurate at all. Every single entry on this report is dated XX/XX/XXXX which is extremely odd. This report shows two inquiries on XX/XX/XXXX from XXXX initiated by me that I did not initiate - I have not applied for or initiated anything with XXXX. My drivers license number is wrong. My employer is wrong. None of my positive credit history shows. My entire bank account number is shown and on display. My payment history is completely blank. All the information under account review is incorrect and inaccurate I did not iniate any of these. My home and work phone numbers are incorrect. Under additional information it shows all info received on the same day XX/XX/XXXX and none of the information is correct. This report shows no bankruptcy yet I have been disputing two bankruptcy entries on my XXXX  report for over a year. XXXX XXXX removed the information due to inaccuracies and the complaint I filed w the CFPB yet XXXX refues. I was denied a loan I need due to all the misinformation provided by XXXX and XXXX. It also has my name listed as " XXXX XXXX '' instead of XXXX XXXX. The bankruptcies shown filed XX/XX/XXXX and XX/XX/XXXX ARE NOT MINE. XXXX XXXX removed them due to conflicting information from the XXXX screens I paid for to access you can see the address on those bankruptcies is NOT mine and that address is not on my credit file and is not the same as the bankruptcy I did file that was discharged in XXXX. If XXXX refuses to remove I demand under 15 U.S Code 1006.34 that XXXX explains to me how they are validating these public entries on my credit file with the misinformation from XXXX and XXXX removal. If XXXX is the parent company of XXXX why do they have different information for me on their files.
Complaint sub-issue: Card opened as result of identity theft or fraud

Date : XX/XX/XXXX Amount {$200.00}
Complaint sub-issue: Information belongs to someone else

credit report showing information that is not mine please have it corrected
Complaint sub-issue: Their investigation did not fix an error on your report

I have been trying to get this resolved for some time now. I did file a previous compliant and what XXXX sent back contradicts information I have and have attached. 

They indicated the account was sent to an outside collection agency which supposedly was paid and then they received the money. Their correspondence stated the account was charged off XX/XX/XXXX and was sent to an outside collection agency for {$2800.00} which brought the account to zero. It indicates the account was paid in full on XX/XX/XXXX after they received the payment from the collection agency for {$2800.00} which brought the account to XXXX. 

1st I paid it directly to XXXX please see the attached email from XXXX XXXX. It was paid to them XX/XX/XXXX 2nd If the had charged off the account in XX/XX/XXXX and sent it to a collection agency then it would have been the collection agency 's account and they would have been reporting the account 3rd I  asked for a payment history not a typed letter from the company that they can put whatever dates they feel are accurate without proof. 

4th They put a link to get a copy of a generic agreement that does n't have my signature on it. There were 2 types of contacts and without providing the copy that I signed this would indicate they do n't have record of it.
Complaint sub-issue: Their investigation did not fix an error on your report

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. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : ( Original Creditor : XXXX XXXX XXXX ) XXXX
Complaint sub-issue: Attempted to collect wrong amount

XXXX XXXX XXXX sent me to the a collection agency by the name of IC Systems Collections. I have communited with both companies and they continue to refer me from one company to the other. I cancelled the account before I filed a BK, called XXXX XXXX XXXX and requested that they shut the account off and also included the account in the BK just to be sure it was closed. XXXX XXXX XXXX reopened an account under a different number and has continued to bill me for it. I spoke with a woman two years ago and she confirmed that she resolved the issue. When I pulled my credit, I realize that it has since been sent to collections and the collection company and XXXX XXXX XXXX are telling me that the best thing to do is to make the payment. It 's wrong and unjust and I just want the collection removed from the XXXX credit bureaus.
Complaint sub-issue: Debt was paid

Original Creditor Name XXXX is incorrect as I have never signed an application with any company named XXXX, There was an account I paid off that was a XXXX account it was posted on the XXXX account as AFNI and then as XXXX AK.A XXXX opened in 1998 ended as the phone was recalled and they did not want to replace it but - This account was paid to AFNI Acct # XXXX this is A PAID account that has been re-aged several times it is more than 12 years old.
Complaint sub-issue: Information belongs to someone else

I have a credit inquiry on my credit report from PNC bank that is not me. Someone used my SSN # to try to open an account.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021 I sent a validation letter to XXXX, Equifax, and XXXX regarding some inaccuracies that are reporting in my credit report ( attached below ). I exercise my right to request all three bureaus to provide me with verifiable proof that the negative items reporting on the accounts listed below belong to me or they have to remove those immediately. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify through physical verification of the alleged original signed consumer contract to prove those accounts belong to me and that whatever they report on my credit report has to be 100 % accurate. On XX/XX/XXXX, I received a letter back from XXXX stated that they verified those accounts as accurate which is false and misleading which is a violation of my consumer rights. How can they verify it to be accurate if you can see the invalid inconsistencies in plain site ( shown below ) As for XXXX and Equifax it's been well over 30 days and I never received any investigation results In regards to the late payments that were reported, that is 100 % false because I paid those accounts on time, but to my understanding late payments shouldn't even be reported due to the COVID Forbearance Act
Complaint sub-issue: Account status incorrect

I XXXX XXXX contacted Equifax through mail numerous times throughout the year to validate a debt ( charge off ) from XXXX XXXX pursuant to 15 USC 1692g of the FDCPA. To be honest its kind of hard to even tell the exact date due to the fact I have various inconsistencies of the date opened throughout all 3 credit reporting agencies attached below which is a violation of the FCRA & defamation of character. There are also inconsistencies of the " Date Last Active '' highlighted below. 

Equifax has also been made aware that they have violated Federal law pursuant 15 U.S.C. 1681a ( 3 ) -Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
-Pay attention to the key word assumed, I, the natural person, consumer and original credit, XXXX XXXX XXXX never gave Equifax the right, written consent, to report such negative information. No consent is identity theft. This is Defamation of Character & Equifax must have respect for the consumers right to privacy. 

Fact, I XXXX XXXX am aware and has proof that Equifax has violated Federal law pursuant 15 U.S.C. 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I, the natural person, consumer and original credit, XXXX XXXX, never gave Equifax the right to report such negative information. No consent is identity theft. This is Defamation of Character & Equifax must have respect for the consumers right to privacy.
Complaint sub-issue: Attempted to collect wrong amount

Our Landlord, XXXX XXXX, wrote a letter in XXXX 2015 and told me and my fiance that we owed them an amount of money that was incorrect. We had no security deposit. Our lawyer wrote to XXXX XXXX and the person XXXX XXXX, our lawyer spoke to at XXXX XXXX agreed the amount owed was incorrect. She agreed to send another letter with the correct amount owed by us to our lawyer. She never heard from XXXX Properties again, and nor did we. In XX/XX/XXXX we received a letter from a collections agency. We did not immediately respond to the collections agency because we had already had a run around with the landlord. My fiance did tell the collections agency that we were represented by an attorney. The collections agency reported this alleged debt to the credit agencies before we ever were able to agree or disagree about the corrected amount owed with our landlord. Our attorney wrote to both the collections agency and the landlord regarding the laws that they had violated and neither has responded to our attorney at this time.
Complaint sub-issue: Their investigation did not fix an error on your report

On or about XX/XX/2022, I learned that XXXX XXXX ( " XXXX '' ) placed a hard inquiry on my Equifax report, causing a reduction in my credit score. I had not recently requested additional credit from XXXX which refused to respond to my complaint and a CFPB issue is pending. I then asked Equifax to remove the inquiry and they also refused to remove the inquiry. I have been injured by a reduced credit score as a direct result.
Complaint sub-issue: Public record

I disputed to XXXX, XXXX and Equifax the deletion of a paid tax lien ( per the Consumer Assistance Plan whereby the XXXX credit bureaus agreed to a settlement with the XXXX state XXXX to delete all judgments and liens. In addition, the IRS made the following provisions : Fresh start policy of the IRS. I meet all of the qualifications and eligibility, per the IRS notice on IR- XXXX, XXXX XXXX, 2011. 
XXXX has quickly deleted the lien from my report but XXXX and Equifax continue to not delete the item from my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I recently tried to get a copy of all XXXX of my credit reports through annualcreditreport.com. I was able to obtain my XXXX and XXXX reports but not Equifax. 
when I contacted them the representative stated they were unable to provide me with a copy of my report because a previous creditor had used my middle name and they needed me to provide them with proof of my identity. I emailed them a copy of my card and my state-issued driver 's license. 

I received a letter from them stating they are still unable to provide a copy of my credit report for one of the following reasons : I have not applied for credit recently, I haven't actively used credit in the past 10years, or I haven't lived in the US or I do not have a SS card All of the above reasons are incorrect. I have provided Equifax with the means to prove all of the above. It is my assertion that they did not exercise due diligence regarding my case.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed an account on my Equifax, XXXX  and XXXX  report since XX/XX/XXXX. Every time the credot bureus have sent back a dispute results letter stating that the account is valid, I want to know how an account that has been aged since the year XXXX is still reporting on my credit report going into XXXX, this account is past the timely statute of debt collection of 7 years per the Fair Credit Reporting Act, I looked it up and this company is violatiing my rights and my credit report so I want Equifax, XXXX  and XXXX  to delete this account immediately because it is incorrect and inaccurate information that is reporting and the credit bureaus lied about verification because nothig  has been sent to me as proof that this account has even been validated, I want it removed immediately please. 
Company Name : XXXX XXXX XXXX XXXX Account # XXXX There is another account that is reporting inaccurately as well and is past the time of debt collection limitations. The statute of limitations on debt in Texas is four years. This section of the law, introduced in XXXX, states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. This company should not even be reporting on my credit as well, so I want it removed from Equifax, XXXX  and XXXX  as well or I will have to take this creditor to court. 
Company Name : XXXX XXXX Account # XXXX
Complaint sub-issue: Other problem

In early XXXX 2019 I received a recorded message and e-mails that someone had used my credit card number on or about XX/XX/2019. charge about {$600.00} on my CitiBank express card. I never used that card and don't know how they got the number. Whoever did this charged things at XXXX XXXX XXXX and places in XXXX XXXX, Puerto Rico. CitiCards sent me a statement with all the places where the card was used, and I cancelled it and foolishly got a new card. They removed all but one charge, the most expensive, XXXX  XXXX XXXX XXXX, XXXX XXXX. CitiBank sent me a form to fill out and return stating that I never authorized this transaction, which I signed, kept a copy of, and sent the original to them. The {$180.00} was on my next statement. I was told it was under investigation by their fraud dept. I paid the {$410.00} that I actually owed them but not the fraudulent charge. Every month I got a bill with that amount on it ; called and was told it was still under investigation. I called and spoke to dozens of people who said they would take care of it and remove it but no one did. I cancelled the card but am still getting phone messages and e-mails from CitiBank that I owe them that money. They have added late charges to my closed account and say this is still being investigated by their fraud dept. No one can seem to get through to their fraud dept. I ignore their calls and bills. This has been going on for almost 10 months. Sounds like an inside job to me. I plan to contact the Federal Trade Commission about this. They are definitely not getting paid by me for money some crooks spent. Don't ever get involved with CitiBank. 

XXXX XXXX XXXX XXXX, FL XXXX
Complaint sub-issue: Information belongs to someone else

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX XXXX XXXX XXXX have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

This is the several times I've complained about being a victim of identity theft. 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

According to the FCRA, it is a violation to report inaccurate information on a credit report, Under the FCRA section 623, it is a violation for the bureaus to still report inaccurate information aften being provided proof of inaccurate reporting, and they can be sued for the extent of damaged incurred by the wrong party. Furthermore, under FCRA section 605 ( C ) Running of the reporting period, if a creditor, collection agency or CREDIT BUREAU try and RE-AGE your account by updating the date of last activity on your credit file in the hopes of keeping negative information on your account longer it is a violation punishable by {$1000.00} in fines I have enclosed copies of my credit report, and on all the " alleged collections, because they have not been validated by the collection company, ALL the dates of last activity has RE-AGED According to the FCRA, a collection account is suppose the reflect the last date a payment, XXXX, XXXX and Equifax are in violation of my rights and is subjected to a law suit under these laws Furthermore, i have enclosed in my letter that there are unauthorized inquires that i do not recognize, and they are required ti provide proper verification under the FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one. 

Any one who pulls my credit without permissible use can be fined {$1000.00}
Complaint sub-issue: Problem with product or service terms changing

As of XXXX 2017, the credit bureau, compromised many Americans personal information and just recently released this finding to the public. I am filing a complaint to ensure that not just me, but those that have been effected, get their lost or stolen identity back.