Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX for XXXX dollars reported on XX/XX/XXXX and opene don XX/XX/XXXX I requested that they Send the following information : - equifax has no information on the original alleged creditor an has failed to provide infomtion about this account reported as a collection
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I sent a payment to Citi Bank in error and would like that money refunded. As of XX/XX/XXXX I no longer have an active credit card with XXXX XXXX Citi Card Visa, that card was replaced with a a XXXX XXXX American Express in mid XX/XX/XXXX. XXXX XXXX entered an exclusive partnership with American Express and replaced the Citi XXXX XXXX Visa card with an American Express card. Unfortunately I did not properly remove Citibank credit cards from my XXXX XXXX XXXX bill pay and inadvertently sent Citi Cards a payment in the amount of {$110.00} on XX/XX/XXXX that was meant for the XXXX XXXX American Express Card. 

I received a letter from Citi Cards dated XX/XX/XXXX which was addressed to my husband XXXX XXXX, ( his name appeared first on our check that Citi Bank received from XXXX XXXX XXXX ) acknowledging receipt of the payment and their inability to identify an account. ( I no longer have a Citi Bank credit card ). However Citi Bank deposited the payment. I contacted Citi Cards and spoke with three different representatives on XX/XX/XXXX in an attempt to resolve this matter. I do not recall the first rep 's name, XXXX was the second rep and the last woman I spoke with would not give me her name but said she was a manager for the department and was unable to help me because I do not have an account with them, she suggested I call American Express or go to a Citi Bank branch office. None of the representatives that I spoke with from Citi Cards could explain why the payment was processed when there was no account found in their system to coincide with the payment. I contacted my bank, XXXX XXXX XXXX and their representative explained they were unable to stop the payment because the check had already been cashed/deposited by Citi Bank.
Complaint sub-issue: Attempted to collect wrong amount

There was a lawsuit against the school that I attended and they are closing the school down as a result. I was paying my loans at the minimum that I can afford and now the loans are being serviced by a different company. I can not afford to pay the loan at this time and I am receiving notice of default. How can I resolve this issue when the school is being sued for the way they talked students into taking the loan in the first place, I should have never been approved because I was not working at the time and they asked if someone could help me pay it. The person that was helping me is no longer in my life and I am stuck with the obligation when he agreed to pay it.
Complaint sub-issue: Charged too much interest

I had a Citibank card about 4 years ago. I had been charged with too much fees and when I called them I have been charged too much and I would like to close the account by paying off the balance, the customer service representive was laughing at me and did not care at all about what happened .I was shocked by the lack of care of this bank for its customers. It looks like they are not honest and they really need to improve their service.
Complaint sub-issue: Problem with personal statement of dispute

I am a victim of Identity Thief. According to 15 usc 1681b ( 2 ), permissible purposes of consumer reports. It states that any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : ( XXXX ) in accordance with written instructions of the consumer to whom it relates. I have never authorize XXXX, XXXX or Equifax to furnish my credit report. I never provided hand written instructions to place accounts on my credit report. It has harm my livelihood and I am living an honorable life. This is all erroneous, fraud, and incorrect. According to the fair credit reporting act ( fcra ), XXXX is to honor my request and block from furnishing my credit report, XXXX. XXXX XXXX ( opened XX/XX/XXXX ), XXXX remove late fees on comenitycb/zales ( opened XX/XX/XXXX ), XXXX. XXXX XXXX XXXX ( account opened ( XX/XX/XXXX ), XXXX. XXXX XXXX XXXX  ( opened XX/XX/XXXX ). I never authorized and or gave XXXX or any of these companies any hand written instructions to furnish my credit report. 
Equifax is to honor my request and block from furnishing my credit report, XXXX remove my late fees on the account comenitycapital/zales. I have made complete payment with them but I have never provided hand written instructions to the company nor to Equifax to furnish my credit report. PLEASE REMOVE THAT! 
XXXX is providing fraud, erroneous and incorrect information. I did not provide them hand written instructions and according to 15usc 1681b ( 2 ), I did not contact XXXX, XXXX or Equifax and provide handwritten instructions to furnish my credit report. PLEASE REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT.
Complaint sub-issue: Trouble using the card to spend money in a store or online

US bank reliacard is unlawfully holding my daughters child support saying they need proof that I changed my address when in fact you have to show Id at child support office to do so. I have sent my DL and by their own admission and they made the mistake as to why it was sent and still have not released my childs money during a pandemic
Complaint sub-issue: Debt was result of identity theft

I was made aware of several fraudulent debts which included  a Home Depot car d with a balance of {$1200.00} on  XXXX   XXXX ,2017. I contacted security operations, filled out the company fraud affidavit online and faxed and sent by mail. I was advised that the account was escalated and would we completed  XXXX / XXXX / 2017 . I phoned in to get the status as this is holding up a mortgage approval and I was told it will take an additional 90 days which is not what they told my loan officer or myself when she submitted all of the documents.
Complaint sub-issue: Information is not mine

XXXX XXXX placed me in Equifax credit reporting for a {$230.00} bill they claim I owe. I have never in my life gotten any thing from XXXX. They said I purchase cellular service from them. I do not have cellular service with XXXX. I have never been in either XXXX of their stores. They claim I signed my name XXXX XXXX. The Rep got very smart with me and told me over the phone that I did sign the documents. She said I sign my name XXXX XXXX this is something I never do. I sent them XXXX letters XXXX of which was notarized by my bank. They never responded to either of my letters. When I saw the credit report from Equifax I told Equifax I did not get any thing from XXXX XXXX but they never did any thing about it. I have never even so much as gotten a bill from XXXX XXXX. I did not fine out about this until I got a copy of my credit report and they were listed on it. Sometime later they sent a letter saying I did owe the {$230.00}. They never sent me any documents to see the signature on the documents. Instead they say I owe the money. They will not send any copies of the documents. they never answered any of my letters. Not a XXXX XXXX of them. I did not get any thing from XXXX XXXX. To be totally honest with you I do not like XXXX XXXX products they are too high with their products and I told them that. I have never had any products from XXXX XXXX. I got my phone from XXXX and I have had my phone for over 4 years and before that I had XXXX on a contract with some XXXX else for over 6 years. I have never owned a XXXX XXXX phone and I would not have XXXX if they gave it to me. They are just to high for me when I can go to XXXX or XXXX and get the same phone for a lot less money. Right now I have a XXXX phone. It has the same features as a XXXX phone. I want them off of my credit report. This is a fraud. They never sent me not XXXX bill but they put it in with Equifax and said I owe them this money. I do not owe XXXX XXXX any thing.
Complaint sub-issue: Debt is not yours

I would like to add to an existing complaint. Complaint No. # : XXXX. XXXX XXXX XXXX sent me a letter on XX/XX/2019 claiming they have conducted an investigation into my complaint stating that they can't substantiate the allegations brought against them specifically providing validation of my signature showing that I have some obligation to pay them a debt owed. They still have failed to provide any validation of my signature on any loan or debt obligation to XXXX XXXX XXXX. I am requesting validation, made pursuant to the Fair Debt Collections Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note I am requesting validation, that is competent evidence bearing my signature, showing that I have or had some contractual obligation to pay you.
Complaint sub-issue: Debt is not yours

I am filing this complaint because IQ Data International have continued to report inaccurate information on my consumer report to all XXXX of the major credit reporting agencies and have been engaging in abusive debt collection practices to try and collect an alleged debt. I sent IQ Data International a cease and desist, and ordered them to cease their abusive debt collection practices but they ignored it and continued to engage in their abusive practices. I also requested validation of the debt and all I received was some papers that I guess where supposed to be statements or something but it's clearly fake. There was no accounting ledger showing any debt, I received nothing sworn under oath or an affidavit verifying their claim, no judgement, I didn't even receive a contract. Pursuant to 15 USC 1692g ( b ) if a consumer notifies a debt collector in writing that the debt, or any portion thereof, is disputed, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgement, or the name and address of the original creditor, and a copy of such verification or judgement is mailed to the consumer by the debt collector. In the papers that they sent, there was no verification or judgement attached. The papers they sent unable to be verified therefore the alleged debt is invalid. I am demanding that IQ Data International delete all references to this account and remove this inaccurate account from my consumer report IMMEDIATELY! If this inaccurate Information continues to show on my consumer report after you receive this notice I will not hesitate to bring legal action against you for : Violations under the FCRA Violations under the FDCPA Defamation of Character Also I never gave IQ Data International any permission to furnish any Information about me on my consumer report, nor did I give the Reserve at XXXX permission to share my non public private information with an unaffiliated third party which is a clear violation of my right to privacy. IQ Data International obtained my Information illegally and furnished inaccurate Information on my consumer report to try and extort money out of me that is not owed. This would constitute IdentityTheft, Frauds and swindles under 18 USC 1341, and racketeering activity under 18 USC 1961. 

Please do not play with me this will get ugly.
Complaint sub-issue: Account status incorrect

Waiting more 15 days for response from credit bureaus requesting the item be deleted based on the credit bureaus lack of compliance with the method of verification.
Complaint sub-issue: Investigation took more than 30 days

I have been disputing accounts with XXXX, XXXX and Equifax in the last 2 months, The have not yet conducted an investigation nor the comments read " in dispute. '' They are now in violation of the FCRA
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX and XXXX  are reporting incorrectly that I am ( 30-60 ) days late on the XXXX XXXX  partial account number XXXX. Equifax is also reporting this account as a duplicate partial account number XXXX. This is a violation of the Fair Credit Reporting Act to report the same account twice on a separate trade line. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Complaint sub-issue: Information belongs to someone else

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account 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 ). 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. Please block/remove these files. If you feel there is a possibility these accounts 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 account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$880.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$790.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00}
Complaint sub-issue: Problem getting your free annual credit report

Equifax did not address my original complaint. CFPB COMPLAINT XXXX SUBMITTED ON XX/XX/2021 It appears they did not read it and just provided a 'canned ' response. My complaint stated clearly that I was unable to obtain my annual free credit report from them. I successfully received from XXXX and XXXX with no issues on line. I tried online for Equifax as well but was unsuccessful. I answered all the questions correctly in order to obtain my free credit report from Equifax. How could I obtain both XXXX and XXXX but not Equifax. I clearly stated I will not mail my SS #, DL #, etc. That is opening me up for fraud. And how would I know that if I mailed, whoever reviewed would not use my information for fraud. Isn't that the point of online? Not to sound political, but this sounds like suppression regarding ordering my free credit report. Similar to voter suppression in Georgia. And I never authorized Equifax to gather my personal credit information and release to banks, etc. That is why I want to see my annual free credit report from them to make sure the information they gathered is correct. Everything was correct with XXXX and XXXX. Again, Equifax didn't even address my complaint. They simply returned a 'canned ' response to make it difficult for me to obtain. If they had read my complaint, they would not have sent.
Complaint sub-issue: Account status

EQ - had confirmed by way of my previous disputes ( XXXX XXXX ) that a CLOSED or PAID/CLOSED Tradeline, can not and should NOT have an Activity Designator = NA. 
Although I have disputed " this '' item at least 4 times previously, I am simply reminded of willful noncompliance. 
Because EQ is attempting to take my complaints from the CFPB site, I offer the following - once again. 
I hereby acknowledge that I am the author of all data within this complaint, and I am the owner of all accounts identified within this complaint. I am the author of all text within this complaint - as well as the intellectual owner of the identified data issues on my file. There is no credit repair agency involved, simply myself - a consumer who is being educated through all of this activity. 
I, as an American Citizen - have an entire right to have this dispute, heard, managed and resolved through this portal. Prohibiting my right, by again stating something you know, and have been told numerous time previously to be false - is prohibiting me of my rights. 
I do not, and am not disputing ownership of the Tradeline contained in this dispute. Assigning that as the issues, and then responding to this Dispute ( number XXXX ) simply adds to the number of attempts I have made, to have you EQ - resolve this item. 

XXXX XXXX - Account XXXX 1. This account is CLOSED. 
2. XXXX XXXX has NOT submitted a record update since this Tradelines Closure ( 2008 ) XXXX. The Tradeline has an Activity Desinator of N/A, and can not - as it is closed and has been closed since 2008, Please update this account to PAID/COSED XXXX. This account then, lacks it pay history for the duration of time in which it was open, AND IS INCOMPLETE. Please publish the Tradelines full payhistory. 
XXXX. This Tradeline then lacks its balance history for the duration of time in which it was open, AND IS INCOMPLETE - Please publish the tradelines full Blanace History 6. The " Months Reviewed '' is inaccurate, and then impossible based on the factual date open/date closed - the account was not open for 73 months - that value was generate - is generated by your system using the Open date and that Activity Designator that has been wrong for over 8 years. Please fix the actual duration of this tradeline. 
Although this is my oldest tradeline, and because it remains incomplete, and inaccurate on my file for 10 years - Either Verify the entire Tradelines details and fix/update the record to be complete and with correct pay and balance history, or DELETE this incomplete and then inaccurate Tradeline,
Complaint sub-issue: Banking errors

On XX/XX/2021, the ATM machine at the PNC Bank located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Florida XXXX, took in my cash deposit without properly accounting for it. The machine failed to capture the actual transaction by way of not producing a receipt. I, then immediately notified a bank associate. This associate informed me that he had no access to the ATM machine and that it was procedure to wait for a company that accesses and verifies transactions. Subsequently, I was given a temporary credit by the bank while they conducted an investigation of this unfortunate event. They denied my truth and sent me a letter a COUPLE months later one night before the given date, which cause my account to spiral in the negative direction. This letter in quote read, " we have completed our investigation of your claim and determined that no error occurred in the processing of this transaction. Please be advised that the provisional ( temporary ) credit totaling XXXX that had been previously credited to your PNC Smartaccess card will be reversed on XX/XX/2021, which is five business days from the date of this letter '' being XX/XX/2021. With that being said, I did not receive this letter until the night before the given date which left me little to no time to react to it. I am concerned that they will try to put this on my credit report erroneously. I am already a victim of fraud and this has caused me more distress and an insult to injury. The bank is supposed to be a protector for consumers against illegal and fraudulent activities and not to be the perpetrator of them.
Complaint sub-issue: Information belongs to someone else

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME AND I WOULD LIKE THEM DELETED : XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  OPENED : XX/XX/XXXX XXXX. XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX
Complaint sub-issue: Personal information incorrect

On XX/XX/2021 I sent a letter to XXXX  informing them that they had incorrect information listed as my name and Address. 

on XX/XX/2021 I sent a second letter as I have received no response and the information is still listed incorrectly
Complaint sub-issue: Their investigation did not fix an error on your report

Company reported account opened fraudulent with XXXX and XXXX XXXX send police report and identify theft Truing fixed problem but dont receive repond
Complaint sub-issue: Account status incorrect

Leased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX. The care was in an accident on XX/XX/19 and subsequently declared a total loss by XXXX. XXXX paid XXXX in XX/XX/2019 for the loss and I had made the XX/XX/2019 payment just in case there was a lag in the insurance payoff. At the time of the XXXX payoff my account was not delinquent and should have been close at that time. The account has not been closed as of today XX/XX/19, I am owed {$3300.00} dollars that XXXX has not remitted and they have reported me as thirty and sixty days delinquent. I have spent several weeks trying to resolve this with XXXX XXXX  to no avail and I now need help from their regulator.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

On XX/XX/2021 I accessed my free credit report online and tried to get forwarded to file a dispute but their forwarding hot button failed many times and address provided to access dispute filing was inaccurate or impossible to access. I was not afforded any dispute procedure from their site. I still have items on my report I wish to dispute but do not have access to do so.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. I am demanding immediate removal of the accounts and inquiries listed on this complaint. Equifax, XXXX and XXXX are in direct violation of 15 US. Code 1692 ( e ) False and misleading representation which has harmed my reputation and ability to be to obtain credit and conduct business.