Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Was not notified of investigation status or results

My name is XXXX XXXX there is no third party involved. I am submitting this complaint on my behalf. I sent a letter about validation of debts, it's been more than 60 days after the fact and I have not gotten any response. Consumer reporting agency have not carried out their responsibility ordered under the law. I feel that they are exploited and being disregarded about my disputes. If they can provide me proof that the dispute items are my debt. It need to be deleted as soon as possible. Inability to follow these government guidelines by credit reporting agencies are researched by the Federal Trade Commission ( see 15 USC 41, et seq. ). Likewise, Section 611 ( a ), it is doubtlessly expressed that an inability to explore these things inside 30 days gives motivation to quickly removed those items from my credit report it has been more than 60 days so they ought to deleted promptly. I request these accounts be deleted promptly or I will petition for prosecution because of the pressure that you caused me.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2019, XXXX XXXX XXXX XXXX acquired unauthorized access to my credit file.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Hello! 

I'm trying to resolve a set of disputed charges on my Citi card. On XX/XX/XXXX, a set of fraudulent charges from XXXX appeared on my statement. I've attached a list of the related transactions. The sum of charges and refunds adds up to {$150.00}, not {$0.00} as it should. 

Citi noticed the suspicious activity, called me to confirm I didn't purchase anything from XXXX, then credited my account with three security credits matching the original charges. 

Simultaneously, XXXX issued partial refunds of {$200.00} and {$200.00} to my account. On XX/XX/XXXX, Citi concluded the investigation and attempted to reverse the XXXX refunds, leaving the SECURITY CREDIT ones. Unfortunately, the refunds were for {$350.00} and {$230.00}, which didn't match the original XXXX credits issued to my account. 

After the full set of charges and chargebacks, I'm still owed {$150.00}. 

I've tried getting in touch with Citi repeatedly since XXXX. I've made a half dozen phone calls to their fraud department and used the online chat to try and resolve things. I still don't have the refund I'm owed. 

Couple other notes. It's been hard to track down the transactions since Citi migrated transaction history to the new card number and purged the old one from the web dashboard I can see. Also, all of the transactions were dated to XX/XX/XXXX, but the security credits posted on XX/XX/XXXX, and the final XXXX charges posted on XX/XX/XXXX. 

Thank you very much.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting act XXXX Account XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Complaint sub-issue: Attempted to collect wrong amount

This that was proven that it wasnt mine it was removed from my credit report and now its been put back on and the information is still incorrect is not mine I requested they remove this immediately.
Complaint sub-issue: Changes in terms mid-deal or after closing

I received a letter from CFPB on  XXXX   XXXX ,    2015 because I may h ave been eligible to receive a payment of at least {$300.00} from a legal settlement with Ally Financial Inc .     On  XXXX   XXXX ,    2015  I submitted the required signed Ally customer participation form and emailed a copy to  XXXX  XXXX  XXXX  and mailed the original form to  XXXX .  XXXX   XXXX ,  XXXX , PA  XXXX .     However I never received any follow-up letter nor payment from Ally Financial Inc .
Complaint sub-issue: Used obscene, profane, or other abusive language

I purchased furniture from XXXX XXXX store in XXXX. ProCollect has owned this debt since XXXX. We were victims of a burglary and most of the items stolen from us. We filed a claim with XXXX XXXX we had purchased but it was never resolved. I called them to attempt to resolve it. Every time I have called they have said that I am refusing to pay. I am not refusing to pay. I am trying to settle. Today, XX/XX/2018, my husband helped me call, because I thought perhaps I was not communicating properly that I want to settle. We received aggressive and threating language from a Ms. XXXX and Ms. XXXX and the rest of the agents hung up on us. They also refused to assign us a new case manager. They claim they called me and I refused to pay, I was the one who called to try to resolve it. The call log is attached. 

I would also like a transcript of the phone calls so that it is made public and this company is properly investigated. Their modus operandi is disrespect, scare tactics, and aggressive behavior. They also misrepresent they have supervisors on the line and they don't. It felt like our conversation for a debt resolution was office gossip and one of  the agents event threatened to go to " XXXX ''. It is unsettling to know people have our personal information and are willing to threaten us over a debt.
Complaint sub-issue: Can't stop withdrawals from your account

Someone has all my information my social security number. My emails and passwords And my checking account information. There has been money withdrawn. And loans taken out in my name that I never authorized. And emails sent from my email. Ive also had quite a few reversals in my account that I would never dispute because theyre necessary. I contacted my bank and they froze my account. I had to get a new bank now. But idk what is going on. Its hurting my credit tho and money is tied up. Idk how this happened
Complaint sub-issue: Their investigation did not fix an error on your report

I previously sent my written request to Equifax about removing this information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of this inquiry or have Equifax get back to me with regards to the issue. Here is the inquiry that concern me : XXXX Date of inquiry XX/XX/2020
Complaint sub-issue: Investigation took more than 30 days

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$300.00}, {$2000.00}.

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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account.
Complaint sub-issue: Account status incorrect

This will continue to be reported on my credit report and affect my score. Also shows open accounts when not open and reports monthly. 
This has a huge impact on me and my future, can this be resolved and taken off my credit
Complaint sub-issue: Other problem getting your report or credit score

I have applied for a loan to get solar installed on my home. I have all my bureaus frozen after the Equifax issue. I have been trying to access Equifax to unfreeze my credit so the loan company can pull my credit. I have been unsuccessful logging in to their system or requesting a password reset and each time I call they tell me that their systems are updating and to call back in a half hour. This has been going on since the morning if Friday XXXX. 

Every time I call they say it should be cleared up in XXXX minutes to an hour. It has been over XXXX hours and I need to get the process moving to install my solar system.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the fair credit reporting act XXXX XXXX XXXX account number XXXX, has violate 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: Reporting company used your report improperly

Bb & T performed XXXX hard inquires on my credit. They kept processing my application without my consent, because they kept repeating misinformation. They processed my information for a credit card without my consent.
Complaint sub-issue: Denied request to lower payments

This is the only way to report an auto lender I have not asked for lower rates due to my current financial situation. However they have called a reference and told them I'm late on my payments after I told them to stop calling and start texting, emailing, or sending information through the mail. They refused any of those methods for " security '' even though I've okayed those and only those methods of contact. I would have left phone calls available except they call 4 or 5 times a day if you don't answer. They harass people for being 30 days past due.
Complaint sub-issue: Information belongs to someone else

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E. Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX . My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX,TN XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX XX/XX/XXXX
XXXX XXXX XXXX, XXXX, TN XXXX 
XXXX XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX   TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX  
XXXX   XXXX XXXX XXXX XXXX XXXX, TN XXXX  
XXXX XXXX XXXX, XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, TN XXXXXX/XX/XXXX
XXXX   XXXX XXXX XXXX XXXX, XXXX TN XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX, TN XXXXXX/XX/XXXX Please remove the following  numbers :  (XXXX) XXXX  XXXX) XXXX (XXXX) XXXX (XXXX) XXXXXXXX (XXXX) XXXX (XXXX) XXXX
(XXXX) XXXX  (XXXX) XXXXXXXX (XXXX) XXXX  The following account is not mines:XXXX #XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

RESUBMISSION : I reached out to IQ Data XX/XX/XXXX and I never received anything back from them. I am seeing that they received my letter and instead of replying back with information on this alleged account they have " increased the balance '' of the account. I have uploaded the green slip that shows that I mailed off a letter to request validation and again nothing was received except for these notifications that the balance that the account amount is increasing. I also filed an original complaint XX/XX/XXXX and it was closed without being looked into.
Complaint sub-issue: Personal information incorrect

I sent a letter to Equifax, XXXX, and XXXX to update my address to the correct address because i only have one address. the job information they have on file was incorrect. My name was incorrect on my file. I need to have my personal information updated to the correct information. I previously sent a copy of my state id and utility bill to show proof of my correct personal information. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.
Complaint sub-issue: Reporting company used your report improperly

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT CONVERGENT ACCOUNT #S LISTED BELOW HAS VIOLATED MY RIGHTS>>>>>>>>>>>>>>>>>>>>> 15 U.S.C 1581 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY. >>>>>>>> 15 U.S.C 1581 SECTION 604 A SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>
EQUIFAX  INQUIRES
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
>>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX>>>

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXO
Reported: XXXX XXXX XXXX  $0.00 Closed

HARD INQUIRIES

XXXX XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Complaint sub-issue: Account information incorrect

I have tried numerous times to dispute a bill from  Home Depot that was given to CBNA debt collection company for {$150.00}. I have tried several times to get this corrected and CBNA still cla ims that I owe this amount. My last attempt was with  XXXX  and they let it go.
Complaint sub-issue: Information belongs to someone else

I was informed by my banker ( of 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX {$8800.00} XXXX XXXX XXXX {$510.00} XXXX  XXXX   {$760.00}
Complaint sub-issue: Problem with fees

This is a complaint about my XXXX XXXX, which is handled by Citibank , N.A . 

I had setup automatic payments of {$27.00} per month for my credit card, however, the payment was posted approximately 5 hours after midnight on the due date for XX/XX/2018. This seemed to be due to a delay in handling by the credit card company. 

The credit card company charged a {$27.00} late fee, and when I refused to pay that late fee they charged another {$36.00} on top of that. They later reversed the late fee for XX/XX/XXXX, but refused to reverse the one for XX/XX/XXXX. 

In addition to charging fees for problems that appear to be caused by their processing department, the way they apply payments is deceptive. When I make a payment online, the website clearly states that payments will reduce the balance I owe on my 6 month no-interest plan. However, in reality, payments are first applied to any fees before the balance. This has the effect of increasing substantially the amount that they receive in finance charges since the finance charge for the balance is accumulating over a period of months, whereas the finance charge for fees only starts to accumulate from the time the fee is assessed.
Complaint sub-issue: Attempted to collect wrong amount

I submitted my XXXX application and they clearly did not evaluate any past payments made pre-consolidation. The temporary waiver states that regardless of payment plan, if you were working for a qualified employer that the payments would count if they were made on time and for the full amount. Mine are qualifying payments and they only counted the payments after my consolidation application was processed. I am missing XXXX payments in my payment count, which would qualify me for forgiveness.
Complaint sub-issue: Account information incorrect

Please return my XXXXXXXX XXXX INSTALLMENT LOAN BACK TO REGULAR I DID NOT DISPUTE THIS ACCOUNT I REPEAT I DID NOT DISPUTE THIS ACCOUNT NOR DID I ASK YOU ALL TO DISPUTE OR INVESTIGATE IT THANK YOU
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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
Complaint sub-issue: Confusing or missing disclosures

I opened both a Citi priority  checking and Citi savings account online on XXXX XXXX. I was instantly approved and funded the accounts by a direct link to from my XXXX XXXX  account. {$5000.00} was sent to checking and {$10000.00} to savings. The money was accepted and withdrawn by Citibank. I received email confirmation of my accounts opening. On XXXX XXXX I received an email stating my accounts were blocked due to " security reasons to safeguard my information. '' I called citibank and was told I could not have the funds returned electronically. They would be sent via US Mail. The check would be sent by 60 business days. 

I do not understand how they can open accounts and accept money from me and THEN do the security check. I am unable to have access to my own money.
Complaint sub-issue: Their investigation did not fix an error on your report

As of XX/XX/2018 after 4 rounds of credit repair, I received updated credit reports from XXXX XXXX, Equifax and XXXX   stating that the accounts on my report have been updated and for me to personally contact the collectors for any information. My rights have been violated per the FCRA and the FCPDA. These Collection accounts have not been properly verified by the 3 credit bureaus per the FCRA nor have they been validated by the collectors per the FCDPA. There has been no original instrument of the debt such as a signed contract presented to me by either of the parties. I have personally reached out to the collectors over the past 2 months asking for validation of this debt and what I received was the copy of a bill. Anyone can create a bill and place my information on it. This is not 100 % Verification nor is it validation. My credit is being held hostage by this. Laws have been violated. I have certified receipts from the correspondence that I sent to XXXX XXXX, Equifax, and XXXX as well as XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX that I'm attaching. These accounts are hurting my credit, im trying to buld a future for my children by purchasing a home and this has stagnated that process. Thank you for your assistance.
Complaint sub-issue: Information belongs to someone else

I have submitted the proper documents and they still haven't solved the problem.
Complaint sub-issue: Talked to a third party about my debt

I received a dunning letter from AllianceOne Receivables Managment , Inc ; that derived from a traffic situation. They said that they were a debt collector, I confirmed under 15USC 1692 ( a ) ( 6 ). I requested validation pursuant to the Fair Debt Collection Practices Act, 15 USC 1692G. mailed by USPS Certified mail No. :XXXX. On examining their communication I found that they committed violations of 15USC1692 ( c ) by not having prior consent from me prior to contacting me, this is Identity thief under FDCPA and FCRA XXXX CFR XXXX. No prior consent also violated the Gramm-Leach-Baley Act. Their communication also do n't have the required language pursuant to 15 USC 1692G, there is no miranda on the communication that stated I have 30 days to dispute their claim therefore their communication is considered under 15USC 1692D to be harassment and abusive. In addition their communication violated 15 USC 1692e by making threats.
Complaint sub-issue: Credit card company forcing arbitration

Beginning in XX/XX/XXXX my Discover card was hacked again. This started in XXXX of XXXX. 
The minute I put money in a bank account, cyber-thieves ( beginning with XXXX from XX/XX/XXXX ) got into my XXXX data and began sending fake bills. I have copies. I REFUSED TO PAY after having been an excellent customer. 
Because they hacked my phone and cable. Every browser, every sie site. I could not contact them except to reach a foreign port with foreign people. 
I have proof of my attempt to contact every law enforcement company in XXXX. 
My hard drive had been downloaded-EVERYTHING was compromised. 
I did eventually pay off the card and last year XXXX called Discover for a new card. 
They got my info again. In the past month I received a bill from a law firm asking for XXXX in payment. 
Since then they have a filed a court document. 
This is sickening. 
And I could not get a new caed because by that time my credit was ruined. 
This needs to be FIXED. 

THEY GET IN TO MY STUFF THROUGH My XXXX Please fix this I will be eternally grateful. 
I will gladly go to court with all of my documents accusing a fake Discover hacker. 
Because my phones were hacked, my calls to Discover were diverted. I was unable to reach them.
Complaint sub-issue: Debt is not yours

XX/XX/2020 {$43.00} This collection agency is reporting on my credit report fraudulently and is assumed to be as a result of communication abuse and fraud. According to 15 usc 1692g I am requesting a copy of any document bearing my signature with blue ink stating that I agree to pay any debt. I do not know where this account came from nor do I validate it. It is not valid and is a violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.
Complaint sub-issue: Their investigation did not fix an error on your report

I have never been late on my payments with XXXX XXXX XXXX, sent dispute letter to all 3credit agency, they did not verify it, still reporting that I have late payments.
Complaint sub-issue: Problem getting your free annual credit report

Tried to access my free annual credit report and was not able to on XX/XX/2022