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

Fidelity payment servers constantly crash, cause " service unavailable '' errors and why not? Fidelity make A LIVING OFF THE LATE FEES that they themselves cause. 

I was charged {$40.00} for a payment due on XX/XX/XXXX, as I was forced by Fidelity to make a payment on XX/XX/XXXX instead of the XX/XX/XXXX due date. 

The same thing happened on XX/XX/XXXX, Fidelity charged me {$40.00} for a payment due XX/XX/XXXX that was pushed out by Fidelity to XX/XX/XXXX. 

Fidelity must refund the {$80.00} ( {$40.00} + {$40.00} ) for illegally pushing payments past the due date.
Complaint sub-issue: Information belongs to someone else

I am submitting this complaint on behalf of myself and not a third party. I XXXX XXXX XXXX am a vicitim of identity theft and I have submitted the documents as request to have these fraudulent accounts blocked and deleted according to the information I read when I filed a report on the Federal Trade Commission site. I read that once I have made the consumer reporting agencies aware of these fraud accounts they would be blocked and deleted within 4 business days well it has been more than 40days and they are still reporting these fraudelent accounts. I an a XXXX  XXXX XXXX and I suffer from XXXX and I don't need nor can I handle anymore XXXX XXXX and this is causing way too much for no reason. If people would just do their jobs and follow the Federal Law I would not be submitting yet another compliant. Is not my fault that my information was exposed in the Equifax and XXXX data breach. I did as they asked me too and now I'm the one who has to suffer, how is that fair to me? If this is not taken care of I will seek legal action because truthful speaking these consumer reporting agencies are in violation of all kinds of laws but I will save that for a later time. For now I need these fraudulent accounts deleted immediately
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have written Equifa x SEVERAL times  asking them to remove a fraudulent account from my credit report and to remove fraudulent inquiries. I provided them a police report, an FTC Identity Theft report, and a notarized Identity theft affidavit but, they refuse to remove the invalid information from my report. They placed a fraud alert on my credit report but maintains that I have no fraudulent accounts on my report. I do n't understand why they put the alert on my account if there was no fraud.
Complaint sub-issue: Information belongs to someone else

EQUIFAX THIS IS MY 3RD RE-ISSUE WITH THE RECENT CREDIT INQUIRIES ON MY CREDIT REPORT. BACK IN    XX/XX/XXXX    EQUIFAX REMOVE THE FOLLOWING INQUIRIES AND THEN THEY PLACED THEM BACK ON MY CREDIT FILE. THESE ARE FRAUD INQUIRIES THAT I DID NOT AUTHORIZE. I SPENT OVER 60.00 SENDING CERTIFIED LETTER TO EACH CREDITOR ASKING FOR IMMEDIATELY REMOVAL FROM MY EQUIFAX CREDIT FILE AS OF TODAY NONE HAVE BEEN REMOVED. I RECENTLY FILED A POLICE REPORT WITH THE   XXXX    POLICE DEPARTMENT.  XXXX , ALABAMA. I AM A VICTIM OF IDENTITY THEFT SOMEONE IS CONTINUING TRYING TO PURCHASE ITEMS IN MY NAME. PLEASE REMOVE THESE   XXXX   INQUIRIES FROM MY CREDIT REPORT THAT I DID NOT AUTHORIZE.   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    - XX/XX/2017 -  XX/XX/2017        XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     - XX/XX/2017     XXXX   XXXX     XXXX   XXXX    XXXX    XXXX   XXXX     XXXX   XXXX   XXXX     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: Credit inquiries on your report that you don't recognize

There are inquiries on my credit report that I do not recognize and I did not authorize. Here are company names and dates : XXXX XXXX XXXX XX/XX/2020 XXXX, CREDCO XXXX XX/XX/2020 ), XXXX XXXX XXXX ( XX/XX/2020 )
Complaint sub-issue: Information belongs to someone else

This account is mine. Section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove. Section 623 states that the creditor can not continue to report it when disputed, unless they have proof to the contrary
Complaint sub-issue: Was not notified of investigation status or results

I have reported the information to Equifax and XXXX they are both reporting inaccurate information.I am entitled to fair and 100 % accurate reporting. XXXX is reporting this was included in a bankruptcy snd Equifax is reporting charged off with last activity date of XX/XX/XXXX. I have requested an investigation of this reporting as well as method of validation. This information was submitted on XX/XX/XXXX as of today XX/XX/XXXX I have not received any update or response from these companies. XXXX was not able to verify this Information and has since deleted it from my credit report but the other companies have not. I have called as well as submitted a letter regarding this and have not received any response.
Complaint sub-issue: Reporting company used your report improperly

Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be DELETED immediately Under 15 U.S.C . 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account Number : XXXX As a consumer by law this account must be DELETED immediately Under 15 U.S.C . 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account Number : XXXX As a consumer by law this account must be DELETED immediately.
Complaint sub-issue: Deposits and withdrawals

I can not use my account because they closed it for " security '' measures. I have XXXX in the account. With pending deposits. And after 8 and a half hours of talking to multiple reps and a supervisor no results have came even after I supplied documents that I am who I say I am
Complaint sub-issue: Was not notified of investigation status or results

On the XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later i have not received a response stating the status of my investigation. I feel like i am being taking advantage of and being ignored of my disputes. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 40days therefore they should be deleted promptly. I demand these accounts to be deleted immediately or i will file for litigation due to the stress you caused me. In addition, my information was also impacted by the equifax data breach and may have gotten into the wrong hands.
Complaint sub-issue: Their investigation did not fix an error on your report

Collection account - disputed it, it was removed XX/XX/XXXX and was immediately placed back on without proper verification, I disputed several times and asked for an original document with my original signature showing i agreed to do business with this agency and none has been provided after 3 disputes, this has affected my creditworthiness and score and caused me to lose financing and pay higher interest rates. 
it has been removed from the other credit bureaus * the credit bureaus are required to report only 100 % accurate information and to maintain an original document of any account they are reporting. they have violated FCRA and the creditor has verified it as accurate electronically each time it was disputed
Complaint sub-issue: Don't agree with the fees charged

Today I logged and I noticed on each of my loans interest went up nearly XXXX XXXX Already I was paying XXXX % in interest which is criminal but since filing a complaint here I noticed a XXXX %!!! I can't help but wonder if this was an act of retaliation against me for filing a complaint the month prior. And to comment on my previous complaint I was never offered an interest only option I was not offered any option! What I was offered was my exact monthly payment. The notion that I was offered any sort of assistance is a lie. I question this establishments morale and I think they should not be in business especially funding front line workers such as myself. I am a public service worker to pay these amounts to care for people in the community is wrong. I need a more affordable monthly payment and interest I can not sustain {$600.00} a month especially having a baby at home. Please help this is a fraudulent criminal establishment.
Complaint sub-issue: Problem accessing account

i have my Coinbase account blocked since XXXX, XXXX, 2021 I have try to complite my personal dates, reset my account and solved the problem with them but without success. 
For this reason i cant move or remove my money from taht count.
Complaint sub-issue: Account status incorrect

I had an account with   XXXX   XXXX   XXXX   that became 30 days delinquent in  XXXX   XXXX . The account was never brought current and reported negatively on my credit report until the account was sold in  XXXX   XXXX . According to the  FCRA 623 ( a ) ( 5 ),  this account should be removed from my credit report. It has been re-aged by the   XXXX   XXXX   XXXX   t  o reflect a different date of default. The account has been aged more than  seven  years from the original date of delinquency and should be removed from my credit report. I have supplied a copy of my credit report from  XXXX   XXXX  showing the original status of the loan, prior to it being paid in full. I have disputed the information with Equi fax Information Services , whom has supplied an updated credit report still showing the account with the illegally re-aged account. The credit report also fails to show the date of first delinquency  (   XXXX   XXXX  ) and the date of first delinquency reported (  XXXX   XXXX  ) as required by the FCRA. I have attached a copy of the updated credit report as well. This account should be removed from my credit report as it has reported negative information for 9 years.
Complaint sub-issue: Was not notified of investigation status or results

Back in XXXX I filed disputes with all 3 bureaus and still no change on my report. There are collections on there that should not be be on there and charge off too.. I do not understand why this hasnt been fix yet. What does it take to have something remove that should not even be on there in the first?
Complaint sub-issue: Information belongs to someone else

I am a victim of fraud and Equifax is illegal helping XXXX XXXX XXXX because XXXX XXXX XXXX invested into Equifax fact. My right are been taken away from me
Complaint sub-issue: Didn't receive services that were advertised

My information was compromised due to the Equifax negligence. I contacted Equifax about this information. Equifax has granted the TrustedID program and waiving the freeze fee by Equifax. However, there are other agencies where my information is at risk due to what Equifax has done. I have to put a freeze on my account with those agencies as well. Those freezes cost money. Equifax should cover the fees of putting these freezes on my account with other agencies because without the negligence from Equifax I would not have to put these freezes on my account.
Complaint sub-issue: Investigation took more than 30 days

I have filed disputes in regards to incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
Complaint sub-issue: Information belongs to someone else

Filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days and I still have yet to receive any response. 

Initial dispute XX/XX/2021
Complaint sub-issue: Was not notified of investigation status or results

I checked my credit report and notice these fraudulent inquiries. I don't have any idea why they were listed on my report. This is FRAUD!
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other account that need to be UPDATED. The XXXX and Equifax credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax 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 XXXX and Equifax are 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. I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Public record

I was doing closing to buy our new house and then we could not close the deal since my sister debts showing under my credit and according to debt to income I lost my deposit for this new house and I could not buy the house, I tried to call Equifax more than 4 times, first time they gave me a fax number and told to wait 48 hours I called them after they said that was not the right number and that means my personal information went somewhere else God knows. Than I faxed twice with complete status of sent and then called them again they said never received any fax or documents. So I`m about to sue them and bring to court, First of all they mess up my credit score and history and not trying to fix it. the other credit card bureau are correct so I complaining about huge mistake and they have to pay for it AND THE DAMEGES I HAD BECAUSE OF THEM.
Complaint sub-issue: Information belongs to someone else

I recently pulled my Credit Report and saw many errors. I did not have knowledge of these two debts. They are not mine and when I attempted to resolve this issue with the creditors they only wanted me to pay and would not help me at all. It is very unfair that I have debt on my report that does not belong to me. Please help me to remove this so I can move forward. The creditors should be thrown into jail for how they speak to people and especially when it is not the individuals debt. Please Help! The last  two  accounts on my Credit Report that I have no knowledge of are an   XXXX   XXXX   company that states they represent  XXXX   XXXX . I have no knowledge of this debt and it should not be reporting on my Credit Report. The other is  XXXX   XXXX   XXXX . It also should not be on my Report Because THIS DEBT IS NOT MINE. I have tried and tried to work this problem out and have n't been helped yet! Please Help!! There are als o 2  accounts that are reporting on my report that are too old. They should not still be there. It is illegal for them still to be reporting and they are  XXXX   XXXX  and an account by the name of  XXXX . Thank you.
Complaint sub-issue: Debt was paid

my debt was paid off in 1976 through a payroll deduction through the XXXX XXXX paymaster. I have been harassed by numerous collection agencies, over the past 40 years. I dont know where they get their information or why this debt collection persists. When I ask them for details of this debt, or to prove to me that I owe the debt, they respond by saying, " prove to us that you do not owe the debt. '' I refer to my XXXX XXXX pay records, and I dont hear from them until they pass the debt to another collection agency. Then is starts all over again
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I charged a purchase for about {$13000.00} to have a 3 D video made for me on XXXX XXXX  XXXX  and a potential XXXX cure. I am not disputing this charge but I have had no ends of problems with Citibank that issued my card. 
I did not use this card very often and had this card set up on an automatic pay the full balance method of paying the bill each month. I forgot about the pay all agreement and when the next month came - Citibank tried to put through the full balance. My bank rejected this attempt since I don't carry that much money in my account. 
My XXXX, XXXX  XXXX XXXX, contacted me about the problem on XX/XX/XXXX or XXXX. I called Citibank customer service about this problem and they agreed to change the automatic payment retroactively to pay the minimum balance versus the whole amount. Because they had overdrafted my account, the minimum charge didn't clear because they didn't reverse the $ XXXX charged against my account as promised. I found out that they charged the $ XXXX again on XX/XX/XXXX & I called them again on XX/XX/XXXX. They said they needed to talk to my bank to resolve the problem but wouldn't resubmit the $ XXXX again. They have no resubmitted over and over again and say they have no way to correct the problem - which is absurd. I also got a collection call again saying my payment wasn't made I tried over and over again to explain the problem and our agreement but she wouldn't listen and hung up on me. I can't get them to stop overdrafting my account over and over again. Our bank account is a mess and we are being charge overdraft charges plus late fees over and over again. I spoke to the consumer call center and the manager at the center in the XXXX three times now and they say there is nothing that I can do about this. We are desparate. They are taking all our money after I agreed to change the way our account is billed. They are paying no attention to me at all. They have now resubmitted the $ XXXX amount against our account a total of 13 times! Please help! I am XXXX years old and this is going to cause me to have a XXXX! My wife is beside herself and we are in a loop that t hey refuse to resolve - harminng us over and over and over again.
Complaint sub-issue: Information is not mine

I was married and we had a joint mortgage through XXXX XXXX XXXX XXXX in XXXX XXXX, TX. I was divorced in 2013 and the mortgage was refinanced this year in my ex husband 's NAME ONLY. I have tried for 3 months to get the remaining balance of {$140000.00} off my credit report and Equifax still says it is my responsibility even though the credit union does not show my name anywhere on the mortgage now.
Complaint sub-issue: Account status incorrect

When I Register with MyEquifax online on Tuesday XXXX XXXX at XXXX. I noticed that FRAUDULENT ACCOUNTS that I have reported to the police months ago & I sent Equifax the police report which Equifax has added on file. Were previously Equifax DELETE OFF MY Credit Report due to Equifax investigating the accounts and finding them to be Fraudulent. The Accounts are Now Showing As CLOSED/CHARGER OFF.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/2021 Equifax XXXX XX/XX/2021 Equifax XXXX XX/XX/2021 Equifax XXXX XX/XX/2021 Equifax
Complaint sub-issue: Their investigation did not fix an error on your report

I WROTE THE CREDIT REPORTING AGENCY, ADVISING THERE WERE UNUATHORIZED AND UNVERIFIED INQUIRIIES AND ACCORDING TO THE FCRA ( FAIR CREDIT REPORTING ACT ), THESE INQUIRES MUST BE REMOVED. THE CREDIT REPORTING ANGENCY HAS NOT REMOVED THESE INQUIRIES.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I received a copy of my credit report and noticed some Hard Inquiries that I don't recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

follow up of cfpb complaint XXXX I have not received anything I required of them. They closed the previous complaint before it was ever resolved. 


Get me all the information I require immediately. Do not close this complaint until I actually receive it. 

Send it to me as the actual response to this cfpb complaint -- in the PDF file attachment to this complaint.
Complaint sub-issue: Transaction was not authorized

I originally contracted and booked a trip with XXXX XXXX for XX/XX/XXXX. They debited {$4600.00} from my account on XX/XX/XXXX. On XX/XX/XXXX they informed me they would not be moving forward with my trip and that they would not be refunding my money. 
Per their contract if they did not give notice of 40 day or more the client ( myself ) had the right to request a refund or a future date. I requested a refund of which they declined to give me back my money. This was in XX/XX/XXXX. I at that time disputed the charge with Citi Bank. I was denied my claim because XXXX XXXX said that they were rescheduleling my trip to a future date of XX/XX/XXXX. 

On XX/XX/XXXX from XXXX saying they were NOT going to give me my money back, they were NOT rescheduling my trip and that they were going into bankruptcy. I then went back to Citi to reopen the dispute and appeal as XXXX did NOT do what they promised. 

Citi bank has now for the XXXX time denied my claim even though if the service was for a future date they are suppose to honor it and re open this dispute.
Complaint sub-issue: Reinserted previously deleted info

A collection account ( XXXX ) was removed from my credit report after disputing it with Equifax. The account was deleted between XX/XX/XXXX and XX/XX/XXXX and then readded back to my report a week or 2 later. I called Equifax and they are refusing to remove the account. I re disputed the acct again by mail on XX/XX/XXXX along with another account ( XXXX ) and they again notified XXXX the accounts were removed off of my report but when I checked it is still showing. I was not given a 5 day notice telling me that a reinsertion was taking place which is required by law
Complaint sub-issue: Information belongs to someone else

I have a few Fraud accounts I've tried to get resolved with not promising results collections XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX no one thoroughly investigated the fraud nor removed them Identity theft was filed and asked for items to be removed but was not