Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status incorrect

During the month of XX/XX/XXXX, Key Bank misapplied my payment to another individual 's account. When I inquired with Key Bank they said they did not receive my payment. I told Key Bank to check their records again because the money order ( attached ) was in fact cashed by Key Bank. Due to Key Bank not locating my payment they counted it as a late payment ( Key Bank reported that to the 3 credit bureaus ) and that caused a financial hardship at that time. Therefore, I had to make a double payment. I have called Key Bank on numerous/several occasions to get this resolved, but as of XX/XX/XXXX, nothing. Key Bank continues to give me the run around. I was referred to a representative name XXXX ( who has no supervisor per Key Bank employee name Trivia ) to work on resolving this issue. XXXX asked me to give her a week to find out the details. It has been a month and still no call from XXXX. I wrote to XXXX XXXX XXXX, Key Bank CEO, and again no response other than receiving my return receipt green card ( attached ) back. This is defamation of character and this has caused me to miss out on business opportunities because of the late payment Key Bank has placed on my credit report with all 3 credit bureaus. Key Bank needs to be held accountable for this, which has caused problems for me as the consumer.
Complaint sub-issue: Attempted to collect wrong amount

I have not been working due to a medical condition and high risk to XXXX XXXX. I have paid ERC for the XXXX account, XXXX, and XXXX but its still reporting on my credit report and its hurting my credit negatively. Since the accounts have been paid please delete all accounts from all 3 credit bureaus.
Complaint sub-issue: Deposits and withdrawals

I am writing to dispute a charge of {$2500.00} to my account on XX/XX/XXXX. The charge is in error because of fraudulent / spam activity on my social media accounts, and anything related to my phone number and or email address. On XX/XX/XXXX, I received a link from what I thought was my friend XXXX. She was acting like she was advertising a link. I clicked on the link, and added my phone number and email address without thinking that it was harmless. Later that evening, I received a notification that someone was trying to access my accounts, in particular my XXXX account around XXXX that was someone from XXXX IL. Then followed by an apple request prompting my access code. It was then I realized to check all my accounts that had my email address and phone number associated. By the time I realized it, half of all my accounts that did not have a two-code authorization code were hacked. 
It was then when I called CitiBank and reported the suspicious activity and not authorized charges on my account. I was only able to capture the screenshot of when XXXX notified me it was a user that was not trying to access my account, and I also have the email of apple notifying me that someone was trying to log into my account. I only have two screenshots of facts that I have that confirm these logins were NOT ME! 


my understanding is that XXXX security experts say federal law does protect victims of this type of scam. These kinds of fraudulent transactions are covered by Regulation XXXX, and consumers should be getting refunds!!! The Consumer Financial Protection Bureau put out a directive in XX/XX/XXXX, saying the law applies " if a third party fraudulently induces a consumer into sharing account access information. '' Banks should be using fraud filters on XXXX transactions to stop scams -- as they do with credit cards. 

On XXXX, XXXX, CitiBank did refund me for the fund, later on took back the money and stated they changed their minds, that they couldn't insure my money because the funds were used through XXXX and that there's nothing they can do I had continued depositing money as I kept submitting for new request to have the funds refunded back. 
Now my account has been closed because my account was negative due to this awful inconvenience.
Complaint sub-issue: Didn't receive enough information to verify debt

I was a Student at XXXX XXXX. I transitioned from their FlexPath program to their Guided Path program. The Guided Path program had different financial aid requirements for the number of credits required to use financial aid. I was not informed of the 6 credit minimum to recieve financial aide. When I realized I was being billed for course instead of financial aide, I attempted to contact and resolve the issue with my academic advisor to no avail. 

I was turned into a Collection Agency, General Revenue Service. I notified them in writing of my above dispute and never heard back from General Revenue Service.
Complaint sub-issue: Their investigation did not fix an error on your report

ACCOUNT # XXXXXXXX XXXX XXXX XXXXXXXX IS OUTDATED AND NOT REPORTING CORRECTLY, BUREAUS HAVE NOT RESPONDED IN XXXX DAYS.
Complaint sub-issue: Reporting company used your report improperly

Ive contacted the credit companies stating that the information on my credit report is incorrect they did an investigation and it is still incorrect the accounts are XXXX XXXX # XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX In accordance with the Fair Credit Reporting Act those accounts have violated my rights. 
15 U.S.C 1681 section 602 A section2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Account information incorrect

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Other problem

Best Buy does not list the names of items purchased on statements of it's Best Buy Card.

I do not know of any other company that does this. I have had my credit card misused and going through a divorce. I need to have proof what items where purchased that I paid for through auto payments set up by the purchaser from a joint checking account intended for mortgage, taxes and utilities only. in order to settle. 

I have called a number of times with no results. I called about a month ago to find that it is practically impossible. I speak to the credit card reps who refer me to another department that referred me back to the credit card reps. And so the circle continues. 

I am told a new company is now handling their credit card billing which implies it is even more difficult to get this information than ever. Since I have never received this information in the past, I can only imagine what my chances are now. This is all very unfortunate for Best Buy customers.
Complaint sub-issue: Their investigation did not fix an error on your report

This dispute is for an account balance via XXXX XXXX  XXXX credit union with a balance of {$230.00} that has been paid in full please remove from my report.
Complaint sub-issue: Account status incorrect

I am writing to dispute the following information that your company supplied from Equifax involving the XXXX - CARD SERVICE account posted on my credit file. 

This item XXXX - CARD SERVICEXXXX.I am requesting that Equifax have the item removed [ or request another specific change to correct the information. ] This account was paid and settled with a debt collector. The account number is also incorrect and have not been properly identified. 

Enclosed are copies of [ my credit report and any other documents enclosed with a short description, for instance, your record of payments made ] supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete [ or correct ] the disputed item ( s ) as soon as possible. 

Sincerely, XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2018I pulled a copy of my Equifax Credit Report through XXXX. Upon reviewing it I noticed that there were several hard inquiries listed that I did not recall authorizing. Given the recent data breach issues that have taken place with both Equifax and XXXX I began to suspect that someone had obtained my personal information and attempted to apply for credit using it so I contacted Equifax to dispute these inquiries. The customer service representative I spoke with was very polite and immediately filed disputes for each of the hard inquiries I indicated I had not authorized. After filing the disputes the representative informed me that it could take up to 30 days for the disputes to be reviewed and researched so it could take up to 30 days before I would hear back about the results which I understood. As of todays date, XX/XX/2018, I still have not received any information regarding he results of my dispute. I have not received a letter in the mail, an email, or a phone call, and it has been well over 30 days. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. That fact that I have not received any further communication from the CRA regarding my disputes one can assume there was no investigation into this matter. I plan to purchase a home this year and having this many hard inquiries on my credit negatively impacts my credit profile and score which in turn makes it difficult to obtain a mortgage. I am submitting this complaint due to a lack of investigation AND response to my original dispute for hard inquires that I did not authorize as this is unfair practices by a credit reporting agency with no concern for the credit worthiness of its consumers.
Complaint sub-issue: Debt is not yours

I advised Americollect back in XX/XX/2020 that I was a victim of identity theft and that the debt was not mine. I have submitted them a copy of the police report. They have yet to remove the debt. Also, they are reporting negative to all 3 bureaus and I have submitted the company and the credit bureaus a copy of the police report. This is detrimental to my job and livelyhood to keep a clean credit file. I have done my due diligence, supplied all documentation and yet they are giving me a hard time and impacting my credit over a debt that does not belong to me. I want this item removed ASAP from all 3 bureaus and Im filing a complaint with XXXX, FTC along with CFPB for unfair practices.
Complaint sub-issue: Information belongs to someone else

I have attempted to contact Equifax multiple times and requested that the fraudulent accounts mentioned be removed. I have provided all the documentation required by the Fair Credit Act, as well as Equifax to have the right for them to remove the fraud accounts. I have provided a current XXXX XXXX Police Report that states both fraudulent accounts as well as the Federal Trade Commission Affidavit and the Federal Trade Commission File Report. Equifax has received this information and refused to remove the accounts as requested. Equifax is reporting fraudulent information to my credit report and I am requesting that the fraud accounts be removed. The two accounts that are fraudulent are, XXXX XXXX XXXX XXXX // with the balance of {$9900.00} // Opened on XX/XX/2019 and XXXX XXXX  // with the balance of {$730.00} // Opened on XX/XX/2019.
Complaint sub-issue: Investigation took more than 30 days

inaccurate accounts were found on my most recent reports which i contacted each creditor and i have not yet received any responses.
Complaint sub-issue: Information belongs to someone else

I called equifax on XX/XX/2021 and informed equifax I couldnt access my account. Even I verified all my security questions accurately. They told me I answered questions wrong NOT TRUE. Ive attached documents that I sent to them previously that confirm my address Im asking not only the address beginning with XXXX is deleted but that the address is corrected to reflect the address on my license attached
Complaint sub-issue: Debt is not yours

Please help CFPB and take this seriously, there is derogatory information that is being reported on my personal credit file that is wrong and is making it difficult to find traditional work and secure credit. I have an unverified account from XXXX 's showing a charge off of {$0.00} from 2011 which I have brought to the consumer credit bureau 's multiple times. They are also reporting that any potential employer is responsible to place a payroll deduction to collect this debt. I had previously disputed this account. I have never done business with XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX 's Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have 6 hard inquiries on my Equifax credit file that I know I didn't authorize these 6 companies to run my credit not did I consent or sign any documents to run my personal information. I filed a dispute complaint with Equifax about unknown 6 hard inquires and this company has failed to perform its duties.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

on XX/XX/2019 I received a call from a private number. The representative, XXXX XXXX stated she had some very important legal documents that required my signature and she wanted to schedule a date for her to come out and deliver those documents to me personally. I asked her who she worked for and what company issued those documents. She stated she worked for XXXX and gave me a number to call to find out who sent the legal documents. I took number given to me and disconnected the call. I then called the number listed and spoke with XXXX XXXX who stated he was retained to settle a legal issue with Confident Financial Solutions ( CSR ). He then went on to imply that I was in trouble regarding this " legal matter '' Once I obtained the account information, I asked for a physical address to send a cease and desist letter. I explained to him that implying legal consequences for collecting was in violation of FDCPA, he attempted to say that I could be in legal jeopardy, however when I told him I was going to file a complaint, he transferred me to XXXX. XXXX said he was in the financial department and attempted to imply that legally I could have a legal consequences filed against me. Once I told him I knew my rights as a consumer, he backed down agreed that I was not in danger of legal action and both collectors before him should have read my Mini-Miranda rights ( which NONE of those mentioned above did at any time during either phone call ) XXXX said he would take my number out of their data base after I told him I would speak with the original creditor to set up payment arrangements. The call was disconnected after XXXX said he would refer my complaints to management. After disconnecting the call I phone the original creditor to ask who they placed my account with, I was told the account was placed in another collection agency called XXXX XXXX XXXX XXXX XXXX I have also been given the name of another collection agency that they could be calling from as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX
Complaint sub-issue: Keep getting calls about my loan

I get phone calls/ answering machine messages from Discover Student loans ( I attended Rhode Island XXXX XXXX and when I call the number back it takes me to a cruise sweepstakes I 've won. They also harass me during hours that are n't legal.
Complaint sub-issue: Confusing or misleading advertising about the credit card

I paid off my promotional deferred interest balance last month but I had pending transactions that could not be paid yet and they added those new charges to my promotional deferred interest amount. 

They do not have an option to pay just the deferred portion only and told me that it was my fault for not understanding how it works. 

I talked to a manager and they had no interest in helping me and told me that if I wanted to make sure it was paid off I need to not use the card until the promo was paid. 

Citi Bank " BestBuy credit card '' and the deferred interest program is a fraudulent way to rip off responsible consumers by using predatory lending practices to hit consumers with massive amounts of back interest through hidden clause 's buried deep within a mile long agreement!
Complaint sub-issue: Information belongs to someone else

I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. The accounts that are on my account that are not mine are : XXXX and XXXX XXXX which I listed on Identity Theft. 
I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 

I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ). 

It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine. 
Please remove as soon as possible these accounts from credit report.
Complaint sub-issue: Information is missing that should be on the report

I have a XXXX XXXX credit card that is not showing on my credit report. This is effecting my credit score negatively. I have spoken to Equifax, XXXX, XXXX, and XXXX XXXX via their customer service teams but they will not help.
Complaint sub-issue: Information is missing that should be on the report

CFPB I am filing a formal complaint on Citibank I had Two Citibank credit card after trying to clear up my credit report I noticed some in accuracies and violations of the fair credit reporting act as well as the fair debt practice act On Citibanks behalf and I would ask Citibank to please delete these two accounts from all four of a major credit reporting agencies Citibank no longer owns these accounts these accounts are handled by XXXX which is a third-party debt collection agency after reviewing all four of my credit reporting reports I noticed that Citibank is still reporting a balance on both of these Accounts and that is a violation of a federal law known as the fair credit reporting act Citibank are not allowed to report the balance if a third-party debt collector is overseeing these accounts I asked Citibank to delete these accounts immediately as they have affected and hurt my ability obtain anything in my name and most importantly to seek employment Per the FCRA the The consumer credit report must and I repeat must report 100 % accurate in this case Citibank again is violating the FCRA and I asked once again to delete these accounts as you have hurt and affected my ability also on all four of the credit reporting agencies I have filed dispute with the credit bureau and they keep saying that Citibank has verified this information is reporting accurately and refused to remove that erroneous accounts. These accounts are not reporting correctly and I demand again that Citibank remove these Negative informationAnd also to point out there is one more FCRA as well as the fair debt practice act Another violation on Citibanks behalf as well I have disputed this account and they have fail to Mark the credit report with the required notice of dispute there for these accounts Needs to be removed from all four credit reports see FCRA Section 623 And section 806B of the fair debt practice and that please DELETE ASAP Account XXXX Account XXXX Please send me written notification in US mail that these accounts has been deleted Thank you for your full cooperation
Complaint sub-issue: Reporting company used your report improperly

As according to the press releases on XXXX/XXXX/2017 Equifax has been breached and released personal information of millions, of which i am one. Equifax has confirmed my information including up to " names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers '' has been obtained by others. My financial security, credit health, and personal identity are now at risk though no fault of my own. Despite previous similar breaches with Equifax, such as those with XXXX, substantial security measures were not implemented to protect consumers, whose information Equifax acquired without consent of the consumers. Furthermore, Equifax did not immediately inform the public about the security breach and waited, withholding information of the event for months. This denied me and others the chance to protect ourselves and avoid being taken advantage of for their mistake.
Complaint sub-issue: Public record information inaccurate

I have disputed this fradulent public record numerous times with the credit bureaus. XXXX  and Equifax refuse to remove this incorrect information from my credit report, XXXX  has done so already after properly investigating and proving it does not belong to me.
Complaint sub-issue: Was not notified of investigation status or results

I am writing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. being that they have gone past the 30 day mark & can not verify verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA they are required to ... .Promptly delete all information which can not be verified that I have disputed.

As I understand, Federal reporting laws. especially the Metro 2 data formatted reporting regulations enacted as a results of the CRSA, requires that all information be certificated compliant as well as full true, correct, complete & timely proven mine. It was clearly that the same laws dictate that no entity, including a consumer credit reporting such as yourself can excuse itself from the mandates nor liabilities should that entity become deficient in that compliance. I am enacting my consumer rights to have only 100 percent accurate, timely & verifiable METRO 2 compliant information be reporting on my credit.

I do NOT authorize any derogatory. RETAIN or return to requisite METRO 2 compliance reporting now by annulment of all non compliant information as mandated by law. Please resolve this matter as quickly as possible. I appreciate your time and consideration.