Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XXXX XXXX XXXX, my Costco Anywhere Visa Credit Card was used in fraudulent activity. When I became aware of this charge ( via email statement from Citi Financial on XXXX XXXX XXXX ), I immediately notified Citi Financial to dispute this charge. The charge was for {$410.00} on XXXXXXXX XXXX XXXX, at XXXX XXXX. I spoke with XXXX in Customer Service. She informed me that they would close my card and issue a new one. XXXX further advised that I should pay the minimum payment due on my account so it would not get behind??? I replied to her, " I had never heard of having to pay for something/charge you were disputing ''. She replied, " we have to tell you that ''. On XXXX XXXX XXXX, I received an email from Citi stating in part, " that they had reduced my minimum payment due to {$41.00} for the month of XXXX due to my billing dispute. However, the original payment due was {$41.00}. On XXXX XXXXXXXX XXXX, I received communication saying, " Citi was looking into the dispute I filed, and I would not have to pay the disputed transactions or related charges while they were going through the investigation process. On XXXXXXXX XXXX XXXX, I received an email alert from XXXX XXXX, saying, " there was a change to the remarks listed on my XXXX credit report regarding my CITICARDS CBNA account ''. When I logged into my XXXX XXXX account, the remark said, Dispute resolved, customer disagrees. 
Upon this discovery, I contacted Citi Financial. I was told by XXXX in the XXXX XXXX Department that my dispute had been resolved on XXXX XXXX XXXX. I informed her that I had not been notified. She said a letter was mailed on XXXX XXXX, XXXX, which I have yet to receive?? I proceeded to ask her, " how was the dispute resolved ''? XXXX told me that the merchant said, " my card was present at the time of the transaction ''. I replied, " I have and have always had my card in my possession! There may have been a card present, but it wasn't mine nor was it me! 

Since the merchant has stated that a card was present for the transaction in question, I am requesting video/camera footage from the merchant for the transaction in question. I'm sure through Citi Financials ' thorough investigation efforts, they already possess the necessary video footage, cash register #, cashier #, time and date of sale, as well a photo to substantiate their findings.
Complaint sub-issue: Trouble with how payments are being handled

I have been making monthly payments of {$1000.00} since XXXX XXXX {$120000.00} ), and had made smaller payments since XXXX. The original loan amount was {$67.00}, XXXX XXXX. To be clear, my loans have NEVER been delinquent or late. I should have had my loans forgiven last year as I have made over XXXX on time payments, and worked for two qualifying employers for now 22 years. However, the records from FEDLOAN Servicing incorrectly reflect that I do not qualify under the Public Service Loan Forgiveness Program. The two main errors the company is commiting are advising me that 1 ) " Your Payment Was Received Outside of Payment Period Window, and 2 ) " You Do Not Have A Bill Due For This Payment Period. '' I have NEVER been late with my payments, and in fact I prepaid the amount due for my loans so it is impossible for any of my payments to be outside the payment period window. Secondly, I have never had my loans under a forbearance or deferral so my payments should have been counted. Again I have made OVER XXXX qualifying payments and met all the criteria for qualifying under the Public Service Loan Forgiveness Program.
Complaint sub-issue: No notice of investigation status/result

I have been experiencing issues with possible identity theft so I submitted a written dispute to Equifax asking that they validate the information with several accounts showing that they have the proper person with regard to these accounts and I asked that both the creditor and credit reporting company provide documentation to show that these accounts belong to me. However, neither party produced or notified me of the documentation used to validate the information on my credit reports.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax and XXXX was XXXX XXXX, 2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

XXXX- XXXX XXXX , XXXX  XXXX XXXX, XXXX XXXX and XXXX  XXXX XXXX XXXX  violated my 609 rights by reporting incorrect information to XXXX  regarding my credit file. XXXX  further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX  -XXXX XXXX XXXX XXXX XXXX, XXXX XXXX reported that I applied for credit In which I never applied for. They violated my rights to have fair and accurate Information to my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my address, phone numbers, and names corrected on my report is violation on my consumer protection rights.
Complaint sub-issue: Company closed your account

I closed an account in XXXX possibly XXXX. Either way, the closed account does not show on US banks end. I called and confirmed and they do not appear on US banks end as a closed account and records are not available for retrieval however they show a debit and atm card which is an indicator that clearly there was a checking and savings account at their firm. I called the first time and explained. The lady mentioned she would reach out to IT dept. She left me on hold for 10 to 20 minutes and the line disconnected. I did not receive a call back. I called again. Informed the second lady that someone is fraudulently calling in and having my info removed plus posing as my POA in which i did not have one. Informed her I had to disconnect and to call me if she has a solution.
Complaint sub-issue: Their investigation did not fix an error on your report

This company as well as the other company side with credit card company and believe anything the card company tell them over the real truth. Credit card that was issued by XXXX XXXX card was duplicated and many charges made, however despite many attempt equifax, XXXX XXXX and XXXX  report whatever the Credit card company tell them and this is not fair. I plan to start a law suit against the there company and XXXX XXXX XXXX if they dont removed the negative information about being late on payment. I stop making payment because those charges are not mine.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX section XXXX A section XXXX : it also states a consumer credit reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Account status incorrect

I have paid the company! I have sent several letters requesting verification, but there has been no response.
Complaint sub-issue: Information belongs to someone else

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDEQ FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 6058,615 ( ) and 623 ( a ) 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victim 's credit report. 
Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency. 
I ask that you comply with the Federal Laws in place, and swifly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the *Identity Theft Report List of Fraudulent Accounts ''
Complaint sub-issue: Attempted to collect wrong amount

Dear Consumer Financial Protection Bureau, XXXX XXXX, writing to clarify that this debt in dispute, may be illegal in his collection process.

According to FDCPA ( Fair Debt Collection Practices Act ) 809. Validation of debts ( a ) Notice of debt ; contents ( b ) Disputed debts, firstly, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt so If the company does not provide verification within 30 days, the FDCPA prohibits them from continuing to contact you or reporting the debt. And the company didnt provide itemized bill statement as I requested. But they suddenly report to credit bureaus after one year of the initial communication. 
I doubt the amount is not correct. The company did n't provide itemized bill to validate this amount, but they still report to all the 3 credit bureaus. 
Secondly, the company fails to provide the validation response in 30 days, but they continue their collection activities suddenly after one year. 
Thirdly, in the coming notice letter, they did n't mark the steps how to dispute and legal rights that I can dispute. I was only told I owe the money, and they assume it is valid. 
Therefore, I think this collection report is illegal. Please help me how to appeal to this collection case?
Complaint sub-issue: Reporting company used your report improperly

XXXXXXXX XXXX XXXX On this account I ask them to verify & validate this account with signature. Information according reports dont match after I receive updates and copies of reports. Requested copies of contract with signatures never received along with price of car sold at auction if price included dealer upgrades of leather seats and doors in sales of car. If not the gave away the car at a loss. The balances is XXXX o n and XXXX on another so which is it. Their saying he paid for 3 years on one report then one he paid for almost 4 years and then they sold the car and he still owes XXXX. Is that predatory lending? Are they on the list for predatory lending? If so address XXXX XXXX XXXXXXXX That was ask to be verified it was handled by a Collection agency and when I sign with them and made a deal we settled for a deletion once I paid them and once I paid them the money through the collection agency they did give me a letter and said that it will be settled in full with the and I have to let I have misplaced that letter and then they say once they put it on my credit it was something else and I cant find that letter now. So XXXX got paid but the collection agency handled this situation. 
Military Star Reporting charge off when I Volunteer to pay them in a program in which I paid interest and I paid them in full.
Complaint sub-issue: Was not notified of investigation status or results

Equifax is not responding to my disputes nor are they following federal laws regulating them in the Federal Fair Credit Reporting Act ( FCRA ) requiring them to perform an investigation, providing the results and methods of the investigation used. My file has many inaccurate and incorrect information on it, and this credit bureau has failed to respond to these complaints in a timely manner. It has been well over 45 days, so they can not say that they did not have enough time. I am aware of the fact that they are hoping I stop my complaints so they can continue to violate federal law and violate my rights under the FCRA. It should not be okay for an entity like this to be able to freely violate my rights under the FCRA. All of the disputed items in my dispute letter are based on factual information from the credit report, which they furnish.
Complaint sub-issue: Information is missing that should be on the report

Three of the four credit reporting bureaus have failed to add/update my credit file with my mortgage, even though my lender, XXXX DBA XXXX XXXX, is properly reporting it every 30 days to all 4 bureaus. XXXX, Equifax nor XXXX have added my account with XXXX to my credit file. My mortgage account is appearing properly on my XXXX credit report. XXXX feels that it has done everything legally possible to get my trade line with them reinstated with the credit bureaus to no avail.
Complaint sub-issue: Account information incorrect

CHILD SUPPORT IS NOT A REVOLVING OR AN INSTALLMENT DEBT. CHILD SUPPORT DOES NOT ISSUE CREDIT CARDS OR LINES OF CREDIT, THEREFORE IT CAN NOT BE A REVOLVING DEBT. CHILD SUPPORT HAS NEVER GIVEN ME A LOAN. CHILD SUPPORT IS NOT AN INSTALLMENT DEBT. CHILD SUPPORT HAS NEVER ISSUED TO ME ANY CREDIT, THEREFORE HOW CAN THE DIVISION OF FAMILY SERVICES HAVE A LIEN ON MY SOCIAL SECURITY NUMBER. MY CHILD 'S MOTHER HAS NEVER AGREED TO HAVE ME IN BONDAGE TO THE DIVISION OF FAMILY SERVICES. THIS IS UNLAWFUL AND IS TOTALLY AGAINST THE FEDERAL TRADE COMMISSION.
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. XXXX ; - Account XXXX XXXX # XXXX - Account XXXX XXXX  # 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 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: Account status incorrect

Hi, On  X/XX/27 , I submitted complaint  XXXX  against  XXXX   XXXX   XXXX   (   XXXX   XXXX   XXXX   ) i n regards to unauthorized credit card charges  XXXX  was attempting to collect.     Even though this dispute is ongoing and still under review by  XXXX   ( and now CFPB ),   XXXX  has continued to assign late charges to this account and notify each credit bureau that I am " delinquent '' in repaying.     On  X/XX/27 , I sent letters to each credit burea u (   XXXX ,   XXXX   and Equifax ) with documentation of the dispute and status. As per the Terms and Conditions of  XXXX  's Cardmember agreement-  XXXX  can not not notify any credit bureau that an account is " delinquent '' if those charges are being disputed.     I have received correspondence back from each credit bureau that they have requested additional information from  XXXX  and have placed " fraud alerts '' on my credit report- however,  XXXX  continues to report my account as delinquent and the credit bureaus have not removed this detail.     As of  X/XX/17 , my credit reports reflect this disputed account as 60 days past due, and my credit score has been dramatically reduced. Also- I 'm not sure how my phone number was released or sold, but I 'm now receiving " credit help '' calls which I have to block.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2022 I sent a letter regarding unknown and inaccurate items on my credit report. To this day over 30 days ago I have not received a response yet. I feel like I'm being taken advantage of and being ignored or my disputes. Section 611 ( a ). states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. These should be deleted promptly. I demand these account be deleted immediately or I will be forced to file litigation due to stress caused. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. This is very concerning as I no longer feel safe with my own identity.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2020 I applied for the COVID-19 SBA relief funds and was denied because of my credit score being under 640. After calling XXXX XXXX they explained to me there was an auto loan account that is behind as well as some collection accounts. These accounts do not belong to me and I have never lived at the address these accounts are associated with. I have called the companies to report the issue and I have also filed a report with XXXX XXXX Police Department. Please remove these accounts from my credit report quickly so I can apply for the disaster loan.
Complaint sub-issue: Account information incorrect

Applied for a small loan with my main bank ... I do business with three different banks, all of which I am in good standing..and have been for quite some time. Equifax has either mixed me up with someone else, or just ca n't get its facts straight about me ... and has tanked my score for no apparent reason ... absolutely no change has occurred ... yet it tanked my score 54 points for no reason at all!!
Complaint sub-issue: Information belongs to someone else

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX
Complaint sub-issue: Problem getting my free annual report

I attempted to view my credit report by going to www.annualcreditreport.com and once again just like in XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX ; I still can not view my Equifax and XXXX credit report. This is due to corporate greed ; a manipulative way to divert people from purchasing their credit reports on their site instead.
Complaint sub-issue: Other problem

XX/XX/2022 I made a {$5000.00} payment to upgrade it took a couple days for bank to release payment. Upgrade customer service indicated on the XXXX that they do show a payment was made on the XXXX of XXXX. On the XXXX of XX/XX/2022 I go to use my upgrade credit card thinking because I made my payment and according to upgrade it's paid I should be able to use my card. Only to be of no avail due to unfair consumer practices of not making my credit immediately available once payment is made. Now I'm in store knowing I have a certain amount of credit available because I paid it. The real problem is if I didn't pay my bill on time they would report me to credit bureaus and tack on interest for late payment. How fair is it to me as a consumer to make my payments on time or a head of time only to be denied access to a service that the agreement is as long as I pay my bill I will have credit available. This is not the case with upgrade I have to wait 7 to 10 business days to have funds that I pay to have available to me. It's supposed to be you pay your bill you continue to receive service according to upgrade policy and terms.
Complaint sub-issue: Information belongs to someone else

Requested credit report from Equifax. They sent me completely wrong information, ALL belonging to someone else.
Complaint sub-issue: Didn't receive notice of right to dispute

I recently checked my credit report and found that a collection was posted to my account. 

The collection was filed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX. 

The original debtor was XXXX XXXX XXXX XXXX, XXXX @ XXXX XXXX XXXX XXXX XXXX, PA XXXX. 

I NEVER received an actual bill nor notice from original creditor that alleged debt would be turned over to a collection agency. 

I NEVER had a chance to pay or resolve the original creditor before debt was parked with this collection agency. 

I can not pay a debit unless I receive a bill and/or notification of debt. 

As a result of this blindsiding collection attempt - my credit rating has been ruined! 

I am willing to resolve this debt with the original creditor if it is a legitimate debt, but most importantly I demand that this collection be removed from all credit bureaus it is reported to and that my excellent credit be restored.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX  account number XXXX has violated my rights. 
15 USC section 602 States I have the right to privacy.

15 USC 1681 section 604 A section 2.8 It also States a consumer reporting agency can not Furnish a account without my Is written instructions.

15 USC 1666B A creditor may not treat a payment on a credit card account Under open in consumer Plan as late payment for any purpose.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

On XX/XX/2021 at XXXX XXXX, a debt collection representative with the debt collection agency Hunter Warfield called my cell XXXX. The representative was very rude and being difficult with me. Because he was being so rude and difficult with me, I told them to never call my number again. After me saying this to him, he sighed and then hung up on me. Despite me telling them to desist calling me, they still call. The very next day they called again. XX/XX/2021 at XXXX XXXX  is the date they called me again. Then Hunter Warfield called me again on XX/XX/2021 at XXXX. This is a FDCPA ( Fair Debt Collection Practices Act ) violation. Hunter Warfield is able to be sued for up to {$1000.00} for each violation now. I Record all of my calls with a call recording app, and your lines say the calls are recorded as well. So if I take Hunter Warfield to court, they are required to furnish those recordings to the judge. The debt collection representative didn't read the mini Miranda too!! Hunter Warfield is violating my rights! Also the company from which this balance originated from did not give me a chance, or any options to pay any balance down before just sending something to a debt collector. Also, I left that apartment complex because they had apartments filled with SEWAGE AND IT WAS MAKING ME SICK!!! XXXX XXXX ADVISED ME TO LEAVE IT ASAP!