Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Other problem

On XX/XX/2019 We electronically overpaid Citicard {$14000.00}. This card had no balance due and had not had a balance due for several years. We became aware of our error on XX/XX/2019. I contacted Citicard XX/XX/2019 and requested a refund of this money through customer service. I was in contact with the customer service on 4 occasions over the period of the review process which we were told would be refunded electronically back to our account within 3-5 business days. On the 5th day I called for a status report. I was told because of the amount it would take longer and they could not give me a range of dates or any answers to my questions. The representative reported it might take and additional 10 business days but wasn't sure. 

I spoke to a supervisor who told me the same thing. 

Of the 4 different representative I was consistently told 3-5 days, now that the deadline is due I receive a different story. 


As a side - this card has had a zero balance for several years and is kept only as an emergency card.
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. 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. I need the following items to be updated or corrected from my report right away : XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Transaction was not authorized

On XX/XX/XXXX   XXXX  unauthorized charges went through my account.  XXXX  for {$190.00} &  XXXX  for {$340.00}. I called   XXXX   and they could n't find anything in my name, ph #, or email so I was advised to dispute through my bank. I filled out papers with my bank to dispute. The department that handles these issues claim the charges were authorized. No proof has been provided to me even though I have requested. The bank TIAA and I have had 3 way calls with   XXXX    and it has been proven that I did not authorize the  XXXX  transactions but the supervisors  XXXX  and  XXXX  do nothing about it. They do not return my calls or provide me with the proof that I authorized the charges. Please help  XXXX
Complaint sub-issue: No notice of investigation status/result

I receive this results from Equifax Today saying for me to contact XXXX, XXXX XXXX bank, XXXX bank. I would Like to stress to EQUIFAX THAT I 'm asking them for that Info per the FCRA THEY reporting agencies SHOULD HAVE THIS INFOMATION ON FILE WHEN THE CONSUMER ASK FOR IT I HAVE THE RIGHT TO ASK THEM TO PRESENT WHAT I 'M ASKING FOR AND THATS WHAT I 'm doing and that 's what I want because I will file law suit as of Noon on XXXX/XXXX/16 in which Equifax should have that noticed in there hand as we speak DO YOU UNDERSTAND ME CFPD THIS IS YOUR LAW AND I THINK YOU SHOULD FOR SURE SEND EQUIFAX A COPY OF THE XXXX XXXX XXXX SECTION OF THE LAW JUST IN CASE THEY DO NOT KNOW THE LAW I ALSO ATTACH ANOTHER COPY OF PORTION OF THE XXXX FCRA PLEASE READ IN EQUIFAX IF YOU DO N'T UNDERSTAND IT YOU BETTER ASK SOMEONE!
Complaint sub-issue: Debt was result of identity theft

Discover Financial Services are adamant about not only collecting a debt, that does not belong to me, but are ruining my once pristine credit reports, by doing so. I have submitted an ftc affidavit, a police report, and other baseline identifiers to not only articulate my case, but to substantiate it as well. XXXX XXXX removed this fraudulent account from my credit profile, only to have discover convey to them ( XXXX XXXX ), to place this account back on my profile.
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 information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX SVCS, INC XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX. Balance : - ; XXXX OF XXXX XXXX XXXX .... Balance : - ; XXXX XXXXXXXX .... Balance : XXXX ; XXXX BANK XXXX XXXX .... XXXX XXXX {$870.00} ; XXXX OF XXXX XX/XX/XXXX; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX If 3 credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Account status incorrect

I was impacted by Covid-19 and because of the impact a payment on a loan was reported late to the credit bureaus. I attempted to contact the creditor to inform them of my Covid-19 impact and was unsuccessful in doing so. The creditor is XXXX and is reported as XXXX XXXXXXXX XXXX. Other creditors were contacted and responded in time, however XXXX has refused to cooperate. I have attached a copy of a letter from another creditor who did respond to my Covid-19 impact statement and removed a late payment. A copy of my photo ID is also attached to this dispute.
Complaint sub-issue: Reporting company used your report improperly

XXXX, Equifax, and XXXX are all in direct violation of my federally protected consumer rights under Title 15, Chapter 41. Please see the attached letter sent to each for further details. Pursuant to 15 USC 1681a ( 2 ) ( A ) and 1681a ( 2 ) ( B ) a consumer reporting agency XXXX XXXX Equifax, XXXX XXXX must exclude a report containing information solely as to transactions or experiences between the consumer and the " person '' ( corporation ) making the report and must exclude any authorization or approval of a specific extension of credit directly by the issuer of a credit card or similar device yet each of the three above mentioned consumer reporting agencies have included such information in the consumer report. XXXX  additionally has been using stall tactics by sending notifications that they find my submissions " suspicious '' and refuse to honor my request to delete such information.
Complaint sub-issue: Account status incorrect

My wife and I sold our home in XXXX and closed on XX/XX/XXXX. During this process we packed up and moved to XXXX in XXXX. We only to find that and everything was done electronically. A couple of days later we received monies owed to us from the difference of the sale of home and payoff. Sounds great right? My wife and I decided we wanted to buy a new home in XX/XX/XXXX, In doing so the lender ran our credit reports only to find that XXXX reported us 60 days past due for the months of XX/XX/XXXXand XX/XX/XXXX. How could this be we paid off our mortgage in XXXX. After making numerous calls to both title company and mortgage company we found that there was a shortage in the escrow to pay our property taxes of said home in XXXX. The title company received the payoff from the mortgage company and stated that it was good through a specific date which we closed well before that time. Both title company and mortgage company blames the other at being at fault but this does not affect them only us and our credit! We did however receive a letter from the title company explaining what happened and that it had nothing to do with a late payment. We requested XXXX to remove the negative past due on our credit reports but they refused. How can you be late on a house note that was paid in full and have paperwork to prove it? Also how can the new owners receive a clear title for their new home? We have since paid the {$340.00} to clear the escrow but in return would like to see our credit repaired. My wife has spoken with many different people at XXXX with one promise after another only to find out they were lying. We have proof we were never late on our mortgage, this was not our fault as we trusted both title company and mortgage company to handle the closing correctly. We have sold a home previously and never had an issue! XXXX has yet to return any of our calls. Unprofessional to say the least!!!
Complaint sub-issue: Information belongs to someone else

There is a hard credit inquiry on my account dated XX/XX/XXXX from the following company : XXXX/XXXX XXXX XXXX, Fl XXXX XXXX I never applied for this credit card. I contacted the company and they say they don't have an open account for me and that I need to contact Credit Karma to resolve the issue, CK tells me to contact the business to get it cleared up. 



There is a hard credit inquiry on my account dated XX/XX/XXXX from the following company : XXXX/XXXX XXXX, Fl XXXX XXXX I never applied for this credit card. I contacted the company and they say they don't have an open account for me and that I need to contact Credit Karma to resolve the issue, CK tells me to contact the business to get it cleared up. 


There is a hard credit inquiry on my account dated XX/XX/XXXX from the following company : XXXX/XXXX  XXXX, Fl XXXX XXXX I never applied for this credit card. I contacted the company and they say they don't have an open account for me and that I need to contact Credit Karma to resolve the issue, CK tells me to contact the business to get it cleared up.
Complaint sub-issue: Account status incorrect

I have been trying to get XXXX XXXX XXXX to remove inaccurate credit reporting information for over 4 years. Recently, because of an investigation by the credit report agencies and Education Ombudsmen it was discovered that my mail forwarding address from XXXX XXXX, when the loan was transferred to XXXX XXXX XXXX, was inaccurate. I have never lived at the address listed from XXXX of XXXX and did not receive mail at my correct address during this time. As a result XXXX XXXX put my account as delinquent without any notification having been received. My account has since remained in good standing. I have tried to have this resolved NUMEROUS times filing disputes, talking to supervisors, and even getting the Ombudsmen involved to no avail. XXXX XXXX servicing always says that the reporting information is correct when in fact it is not. This violates the Fair Credit Reporting ACT which I have made them aware of numerous times. THEY ARE NOT COOPERATIVE AND DO NOT PROVIDE ACCURATE INFORMATION. This has caused me great financial distress. I have been denied auto loans and could not secure housing because of this on going issue.
Complaint sub-issue: Information belongs to someone else

I have submitted evidence showing I am not liable for the debts originally being XXXX for {$2000.00} and {$600.00} that was deleted due to fraud back several months ago and now called XXXX XXXX. All other bureaus saw this and deleted and blocked fraudulent item except for Equifax. I just received results stating that the item belongs to me. I am a victim of identity theft and I am stating that this debt does not belong to me. please block and remove from my credit report. I am providing police report and actual XXXX letter from corporate stating I do not have any account with them. if this item is not deleted and blocked I will be seeking legal action against Equifax and XXXX XXXX.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX XXXX collection agency contacted me to discuss a claim in reference to my daughters XXXX XXXX XXXX XXXXXXXX I advised them that I was working with dental office and my insurance carrier that the is a dispute between my surgical plan and my dental plan. I advised that they are both pointing the fingers at each other. my company HR representative is also working on it. this is not my fault, its a insurance issue. As of XXXX XXXX, 2017,  theres a 180-day waiting period before unpaid medical debts can show up on consumerss credit reports giving me and my insurance carriers sufficient time to investigate the representative from agency was rude and told me they were going to sue me. 

all 3 bureaus have placed on my report
Complaint sub-issue: Their investigation did not fix an error on your report

I have reached the peak of my peatiece because of the credit Bureaus inability to verify the information being reported on my Credit report. I started disputing the accounts from my Credit report which I believe to be reporting erroneous information on XX/XX/XXXX and the the most recent letter I sent was dated XX/XX/XXXX with complete attachments of my personal identifying documents. I have been requesting the Credit Bureaus to correct the information they present on my Credit File and yet they have done nothing! The Credit Bureaus are required to verify for themselves. They have continued reporting the disputed account claiming to be reporting accurate and verified information. I do not agree with their findings and demanded documents as proofs of verification which they have faield to provide. The following accounts which I believe to be reporting erroneous information must be deleted under the provisions of the Fair Credit Reporting Act : XXXX. XXXX XXXX XXXX {$1100.00} Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance {$170.00} Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXX Balance {$0.00} Date opened XX/XX/XXXXXXXX XXXX
Complaint sub-issue: Public record information inaccurate

THE DISPUTED ACCOUNT ARE DISCHARGED BANKRUPTCIES THAT ARE NOT AUTHORIZED TO REPORT ON MY CREDIT FILE. THIS ACCOUNT IS HURTING MY CREDIT TREMENDOUSLY AND I AM REQUESTING IMMEDIATE REMOVAL FROM THE THREE REPORTING CREDIT BUREAUS.
Complaint sub-issue: Problem with product or service terms changing

I checked with Equifax to see if my personal information was comprised and I was prompted by Equifax to enter the last XXXX digits of my ss # and last name. I 'm shocked the company is asking for this information after a breach, and I pulled really XXXX move and entered my info and wife 's info. 

Here is the article - https : XXXX? XXXX
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - AUTO FINANCE - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX  XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX - AUTO FINANCE on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 12. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
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/2022 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 Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$220.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent four ( 4 ) dispute letters from XX/XX/XXXX to XX/XX/XXXX to the bureaus highlighting inaccurate and incorrect information pulled directly from my credit report but the bureaus failed to remove these negatives information from my file. The bureaus kept stating after their investigation, the information disputed were accurate and verified, without providing any proof or the type of investigation used to verify these inaccurate and incorrect information. These bureaus even violated the FCRA regulation because no or proper investigation was conducted to verify the disputed information. Despite additional inaccurate and incorrect information, I always highlighted in each letter I sent, the bureaus failed to remove the negative information and kept reporting them in my credit file. All the disputed item information are in the attached letter I provided.
Complaint sub-issue: Information belongs to someone else

I have had a very difficult time resolving my issue with equifax. I advised them I was a victim of fraud. I called the consumer service line and spoke to a young lady named XXXX in XXXX and she advise me that she cant access my report. I filed a report with you guys previously and they advised you I didnt provide Enough info for them to address my concern. Which I clearly did by providing my social. So this time Ive attached a copy of my social security card and id since equifax keeps ignoring my concerns. Im requesting a current copy of my reporting I was a victim of theft the items have already been removed by equifax I just want a copy of my report reflecting that because for some reason Im getting conflicting information. So once again so that theres no ring around the roast Ive attached a copy of my personal identification along with the copy of the letter equifax sent saying this account was deleted. As well as other items showing account deleted please ensure items removed
Complaint sub-issue: Don't agree with fees charged

I was a student at XXXX XXXX XXXX and enrolled in their XXXX program. XXXX convinced me to take out a personal loan in order to pay for the remaining balance of my tuition. Due to the fact that XXXX closed their business down in was unable to finish my program and obtain my education and certification which makes them in breach of contract to me. I do not owe money because at no fault of my own, I did not receive the education I was paying for.
Complaint sub-issue: Problem making or receiving payments

On XX/XX/XXXX I spoke with XXXX and later Supervisor XXXX of Citibankabout my completion of the reqirements for a XXXX XXXX XXXX miles offer I had accepted. They said I could not qualify because i didn't make " 2 Qualifying Bill Payments '' in 60 days. My statement shows I did.! 2 water bills.XX/XX/XXXX and XXXX XXXX. Their fine print says " Qualifing bill payments are those made using Citibank Online which I did. This is fraud and a scam. I want my XXXX promised miles.
Complaint sub-issue: Information belongs to someone else

I XXXX XXXX the natural person " consumer '' found violations the credit reporting agencies is violating by reporting this unauthorized information on my consumer report. Pursuant to 15 USC 1681a you should reporting my consumer report with no factual information. I would like these account listed in the documents included block and deleted. I do not consent to any electronic response from debt collectors. I am the original credit who extends credit.
Complaint sub-issue: Information belongs to someone else

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXXXX/XX/XXXX
Complaint sub-issue: Debt was paid

Company sent letter notifying me of debt. I disputed the debt through written notification provided in the 30 day allowance showing proof of debt awarded to spouse in divorce. Company refuses to remove the negative information from my credit report
Complaint sub-issue: Information belongs to someone else

UNDER THE FCRA LAW I would like the following inaccurate items removed from my credit report immediately. 

The following Name, Address, phone # & Social security # are NOT mine and would like them removed from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX  XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX This address has pertained to a business : XXXX XXXX XXXX XXXX LA XXXX. 
RETAIL TRADE BUSINESS : XXXX XXXX XXXX, XXXX, LA, XXXX. 

THE ABOVE ADDRESS IS NOT MY BUSINESS. 

FCRA violation
Complaint sub-issue: Information belongs to someone else

Checking my report today and I noticed some accounts that was open I never was aware of there is some inquiries on my account as well as a bankruptcy Im so confused. the inquires dont even have a account why is this inaccurate info on my report man.
Complaint sub-issue: Problem getting your free annual credit report

Having been through ID theft, in which the individual opened accounts at credit reporting agencies, I was unable to get my own credit reports. This has been resolved with two of them. However, Equifax will not allow me my credit report because APPARENTLY someone opened a credit card account I am unaware of ; and questions regarding this fraudulent account are part of the ID verification process to gain entry to my report. I've written and called them, explaining the verification questions refer to accounts I have no knowledge of. However, since I can not provide info regarding the accounts they won't even discuss it with me. XXXX XXXX. Help please, how can I get around this to see my own Equifax report, AND see what fraudulent accounts have been opened, to dispute them? It's been going on for a number of years
Complaint sub-issue: Reporting company used your report improperly

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of having to contact them to no use. Should there be any updates on my inquiries, i'm going to court.
Complaint sub-issue: Reporting company used your report improperly

Under 15 usc 1681. XXXX  account # XXXX has violated my rights