Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Transaction was not authorized

On XX/XX/XXXX my account was charged by a infamous fraud company called XXXX. These charges were unauthorized and unknown. I had only used my card one time that day at a gas station and had to transfer money from my saving to my checking just to do that since my checking account has been @ {$0.00}. Later in the day around XXXX XXXX when I went to the store to purchase an item, I see the unknown unauthorized charges which overdrafter my {$0.00} balance and made it go negative. There were three charges at first, two for {$44.00} and then one for {$940.00}. I reported my card stolen and my bank was closed so I had to wait till the next morning to visit my bank. The next morning I did and when I got my new card and checked to see if my bank had finished the dispute process, I saw another transaction for " XXXX XXXX XXXX '' for {$54.00}. The money was later taken from my saving and my bank has yet to finish the dispute process. There are so many complaints on this MoneyLion company, they need to be shut down or investigated. I have not tried to resolve this with them since reading the reviews, I have seen so many horror stories about this same issue which can only be resolved via email with personal info which I do not want to provide to this fraudulent company.
Complaint sub-issue: Debt is not yours

Company is trying to collect on time barred debt.
Complaint sub-issue: Information belongs to someone else

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX XXXX Balance : {$64000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXXDate Opened : XX/XX/XXXX Balance : {$8100.00}XXXX XXXX XXXXXXXX Balance : {$7200.00} Date Opened : XX/XX/XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}, XXXX XXXXXXXX Balance : {$9400.00} Date Opened : XX/XX/XXXX, XXXXXXXX XXXX XXXX Balance : {$7700.00} Date Opened : XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I am extremely upset. I may have been the victim of identity theft. Someone has applied for credit in my name. There are inquiries, alleged collections, and char offs accounts on my credit report for which I do not recognize. Pursuant FCRA 605B I am demanding they are removed. 

XXXX. XXXX XXXX XXXX Opened XX/XX/XXXX XXXX. XXXX  XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX
Complaint sub-issue: Problem with fees

I am looking for a claim form on line, I believe Citi bank overcharged me, as stated below, please email clm form, thanks! 


Citibank violated the law when they tried to collect overdue payments from some consumers with cards issued by Citibanks subsidiary, XXXX XXXX XXXX XXXX ( XXXX ). During collection calls, Citibank sometimes charged an expedited payment fee of {$14.00} without telling the consumer it was charging the fee or misrepresented the purpose of the fee. Nearly 1.8 million consumers who paid an expedited payment fee since XX/XX/2009 when their XXXX credit card account was delinquent will receive all expedited payment fees paid during that time.
Complaint sub-issue: Funds not received from closed account

Opened checking/savings account with overdraft protection at BB & T in XXXX. Stopped using the card around XXXX, went to re-open my account in XXXX of XXXX I was told I was denied because of me allegedly trying to overdraft my account, when I never did. I asked her if I could dispute it. She said that she had to send me a letter in the mail but it never arrived. I never tried to overdraft my account once, so my unpaid bank fees need to be dismissed.
Complaint sub-issue: Information belongs to someone else

The credit reporting agency is reporting the collection account XXXX XXXX XXXX as my account this account is not mine. Also the account has been deleted off my account and reinserted back on my credit file.
Complaint sub-issue: Problem with product or service terms changing

After I obtained a new phone ( upgrade from XXXX XXXX ( XXXX XXXX  ) to XXXX XXXX XXXX XXXX ( but same number and provider ), my XXXX XXXX XXXX stopped working and I received error code XXXX. I called their customer service and they told me they'd refer this to IT and I'd hear in 5-10 business days. That was about a month ago. They also told me to set up a my.equifax.com account. When I did that I received an error code XXXX. They asked me to let them set it up and I waited on the phone while they tried. They had the same issue.Since then I've called them on at least five additional occasions, getting reassured my problem was being escalated, etc. but have received NO contact back from them. Yesterday I was told I needed to verify my identity with a driver 's license and gov't issue ID. So, I took photos of them and faxed them a copy of them in a document but have received no confirmation of receipt. I called them to ask if they could confirm receipt but they say that can take up to ten business days!!!! There is no email address or text number for me to easilyl send pictures of required documents and there is no way for me to talk to " higher ups '' who might have authority to actually get something done. I'm XXXX XXXX XXXX and have my share of horror stories but I've never had to deal with a company as broken as Equifax. As an aside, I used to pay for an account on equifax.com but stopped after their egregious data breach and moved to the XXXX & XXXX product. One would assume that after violating the public 's trust with poor data security as evidenced in the data breach, they'd go out of their way to make it easy for customers to get responsive service from them. Dealing with them has been nightmarish.
Complaint sub-issue: Debt is not yours

This company has been continually harassing my wife and I, despite the fact that this debt was not owed and this issue was discussed and settled with the XXXX XXXX XXXX  4 years ago. We do not owe the gym money, we never owed this amount shown and we resolved this years ago. 

XXXX ______________________ NATIONAL RECOVERY AGENCY XXXX XXXX XXXX, XXXX, PA XXXX Toll Free : XXXX www.NationalRecovery.com XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX NRA ID : XXXX Statement Date : XX/XX/XXXX Total Due : {$390.00} Dear XXXX XXXX, Your account is still outstanding. Your immediate response to this correspondence will allow us to help you resolve this matter. 

Creditor Creditor Account NRA Account Number Date Amount Costs Amount Owed XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$390.00} {$0.00} {$390.00} Unless you dispute this debt, your payment should be made directly to this office. Please choose one of the following methods of payment. 

To pay online please visit our payment portal at XXXX : XXXX XXXX NATIONAL RECOVERY AGENCY XXXX XXXX XXXX XXXX XXXX, PA XXXX Toll Free : XXXX www.NationalRecovery.com XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, RI XXXX NRA ID : XXXX Statement Date : XX/XX/XXXX Total Due : {$390.00} Dear XXXX XXXX , Your account has been forwarded to this office for collections. 

Creditor Creditor Account NRA Account Number Date Amount Costs Amount Owed XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$390.00} {$0.00} {$390.00} Unless you dispute this debt, your payment should be made directly to this office. Please choose one of the following methods of payment.
Complaint sub-issue: Contacted me after I asked not to

My mother and her ex friend received a call and I have no clue as to how their number was obtained
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My information might have been impacted by the Equifax data breach and may have got into the hands of the wrong person
Complaint sub-issue: Information belongs to someone else

I paid XXXX on a settlement agreement with Elan Financial only to have the account removed when I spoken to their representative. Now just recently they're saying they would only report the charge-off account as settled & still delinquent. Elan Financial still failed to verify any wet signature or Contracts when the account was opened which violates section 609 & section 611 under the Fair Credit Report Act. I only receieved billing statements which did not include that information. I plan to seek litigation for this careless action if nothing is resolved immediately.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX ACCT XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights XXXX 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Debt was result of identity theft

I was living with a friend and moved out on XX/XX/2015 but didn't know I had left several personal identifying documents behind. I believe that friend or their associates used my personal documents and information to obtain several credit accounts and vehicles in my name. I have confronted several people concerning these accounts once I had become aware of them but they say it could've have been anyone but them.
Complaint sub-issue: Debt is not yours

ERC - Enhanced Recovery Company has repeatedly sent me mail and called me excessively stating that I owe a debt to them in the amount of {$3400.00}. I have wrote them several letters disputing the validity of this debt. They have never responded to my letters. The last letter that I mailed them they refused to except the letter at all. They are reporting this inaccuracy on all 3 credit bureaus which has lowered my credit score drastically. XXXX XXXX XXXX previously attempted to collect on this same inaccurate debt and upon realizing this was not my debt and several letters to them they removed it from my credit bureaus but then sold it to ERC. This is harassment and I will file a complaint with my attorney general 's office if this does not stop.
Complaint sub-issue: Account status incorrect

Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1700.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance {$330.00} XXXX XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$7500.00} ; XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX ; XXXXXXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3500.00}, {$20.00}, {$1600.00}, {$15000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20.00} -This is not my account. 

3. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 


-- XXXX ACCOUNT 4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account.
Complaint sub-issue: Was not notified of investigation status or results

I have never received any information on this account, nor the card itself. I reached out to XXXX to resolve the issue and they were not willing to help. I even went as far as to ask for a supervisor and the representative was rude and unwilling to compromise. He said there was no one else I could speak to and refused to give me his last name or ID number. He then, left me on hold for approximately XXXX minutes and hung up! I sent them a letter asking them to validate the account and they have failed to respond. I would like to resolve this matter immediately.
Complaint sub-issue: Information belongs to someone else

There are two accounts that are reporting on my credit file that do not belong to me. I don't even know who's accounts they are. There is one with XXXX XXXX XXXX services and a XXXX XXXX. They are showing me as an authorized user but I don't know who these belong to. There is also a credit inquire that is reporting on Equifax with a place called XXXX and I never applied for anything with that company. Someone opened an account in my name and that was resolved however they never removed the actual inquire.
Complaint sub-issue: Other problem

On XX/XX/XXXX, I applied for the Citi Custom Card for the sole purpose of using it for my wife 's birthday party on XX/XX/XXXX. 

On XX/XX/XXXX, I received an e-mail approving my request for their promotional offer and giving me a {$7100.00} credit limit.

Shortly thereafter, I received my card and a letter indicating the terms ( {$7100.00} credit limit, 0 % APR for 15 months ). 

I was able to use the card on XX/XX/XXXX XXXX {$250.00} ), XX/XX/XXXX ( {$79.00} ), and XX/XX/XXXX ( 3 transactions at the same restaurant for {$41.00}, {$60.00} and {$190.00} ). 

On XX/XX/XXXX, I used it at two different restaurants in the same neighborhood ( {$320.00} and {$120.00} ). When I tried using the card to pay for my wife 's party at a restaurant in the same neighborhood as the other two transactions above ( {$2500.00} plus tip ), it was DECLINED.

I immediately called the back of the card to ask why it was declined and was told they suspect fraudulent activity. I confirmed the purchase and asked they send an e-mail or text. They refused. They told me I had to wait for a letter in the mail that could take 7 to 10 business days. 

I called again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They refused to authorize the transaction and insisted I had to wait for the letter. On XX/XX/XXXX, they even called my XXXX card, verified my name, social security number, and address with all three of us on the call. This took over 45 minutes. After all was said and done, they STILL REFUSED to authorize the transaction because the name on the XXXX card was XXXX instead of XXXX. I was forced to make the transaction with a different card with a much, much higher interest rate. 

On XX/XX/XXXX, I called and requested that I be able to make a balance transfer with no fees because of all the problems with their card. Their normal fee is 5 %. THEY REFUSED! 

I have owned credit cards for over 40 years and I have great credit. NEVER, EVER have I experienced such issues and problems with a company. 

Furthermore, their Reps are difficult to understand and communicate with. On a couple of the calls, I asked for a supervisor or manager higher-up and was told there was nobody available.

Not only has my credit score been impacted by their inquiry, I was not even able to use the card for the reason I applied. To say I am angry is putting it mildly. First of all, it was an embarrassment to be declined. Secondly, I made purchases in the same neighborhood on the same night with no questions. Thirdly, I was nowhere near my credit limit. Lastly, they need a quicker way to authorize transactions.
They have questionable, unacceptable and unethical business practices and should be put out of business.

What I am asking for is for their inquiry to be removed from my credit score and a balance transfer with no fees.

Thank you for your time.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX  account XXXX XXXX account number 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 instruction.

15 U.S.C. 1666 B. A creditor may not treat a payment on a car loan account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX, EQUIFAX, XXXX AND XXXX, are all guilty of willful intent to harm my credit file by not reporting the correct balance owed since XXXX when it was nearly $ 4k, however, since XXXX it was {$0.00} and yet my file was not updated after XXXX when it should have been regularly updated as is par the course with all of my accounts receiving regular monthly electronic updates. I made several attempts to correct the false information causing harm to my credit report directly with the concerned parties who all said I should wait and put the blame on the other entity, i.e. the creditor XXXX XXXX blamed the credit bureaus who blamed XXXX with each saying the other party has 30 - 60 days to update my file which could potentially result in my having to wait 60 - 120 days for my balance to be updated when such is supposed to be correctly reported every month! This is a clear violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).
Complaint sub-issue: Personal information incorrect

I have looked over my credit report with Equifax and it is a incorrect address that is listed and is not my address and I have never lived there the address is XXXX XXXX XXXX XXXX XXXX XXXX it needs to be removed from my credit report it is causing me great stress. I have sent a letter to the credit bureaus asking for removal I have sent proof of identity and proof of address the address that should be on my credit file is. XXXX XXXX XXXX XXXX XXXX  XXXX, everything else needs to be removed I have also contacted Equifax by phone and they are not helping they are violating my rights
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have no knowledge of the following inquiry XXXX XXXX. Please investigate to insure there is no fraudulent activity.
Complaint sub-issue: Their investigation did not fix an error on your report

I requested validation from the bureau for the fraudulent account through the original contract. I sent in a letter and an FTC report just like the bureau requested and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and ignored my request which the law states that I am able to request the contract that they have on the file between me and this company.