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

Went online to try to make a purchase for airline tickets XX/XX/XXXX, I was re-directed to another site. Once I noticed the site was not the correct website I backed out of the transaction. I immediately contacted Citibank and asked them if there was a hold on a transaction. The Customer Service representative advised me it was and no name or phone number was attached to the pending charge. I explained I was re-directed to a site that did not appear to be safe. The Customer Service Representative from Citibank advised me not to worry and the charge will not process to my account and another card will be issued and to a note will be attached advising of my issue. I called Citicard again to confirm and to see when the new card would be issued which was on XX/XX/XXXX and was advised my card was on the way. I made a purchase with the card with another merchant who immediately provided my confirmation of my purchase. On XX/XX/XXXX I received a letter from citicard with forms attached in regards to the merchant What 's Cheap. I signed the paperwork and mailed it back. I received another letter from Citicard on XX/XX/XXXXadvising me my dispute was overturned. I asked for a copy of the confirmation email from the merchant and proof of purchase, I called citicard on XX/XX/XXXX and was advised I can fax a letter to XXXX per XXXX ( see attached ) I called again on XX/XX/XXXX and was advised my fax was received per XXXX. I called again on XX/XX/XXXX I called per XXXX I need to write to the office of the President at XXXX XXXX XXXX XXXX ID XXXX escalated to a Supervisor XXXX and was told the Office of the President did not have a fax and to mail in the complaint. I have been getting the run around and I have fraud protection on my account. I can not contact the merchant since no phone # exists on the site you can only email. I have copies of other people complaints with the same merchant arguing this is a fraud company. I can not get this resolved with Citibank. Please assist. What 's cheap would not be a site I would ever make a purchase with and did not authorize this charge to my account. I did not authorize this charge to my account this is a fraudulent merchant and charge.
Complaint sub-issue: Confusing or misleading advertising about the credit card

We continue to receive prescreened offers of credit from Citi. It is a constant barrage of mail and advertisements coming through our mail. We do not want any credit cards through this or other companies that continue to mail to us. We are on the Opt Out of Offers list and we still receive these solicitations.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX reference complaint XXXX. As of XXXX, I have been trying to get this collection which is fraudulent, off my credit report with XXXX  and Equifax. It still remains after they responded to this agency that they would have it removed. 
They are not a legitimate Service. They rejected my letter as attached and continue to ruin my credit. I was denied credit for a personal loan on XX/XX/XXXX from XXXX, which clearly states it's due to a Collection from XXXX. See enclosed. I am sick over this and will persue legal action against this place if not rectified.
Complaint sub-issue: Other problem

My family was devastated by the California Wildfires, when I called my CC company citi back to ask to see if there are benefits or waivers I can take advantage of they said NO. Every other card that I have either waived my payment or late fee as a result. Citi Bank was the only ones who said they will not help. I live in XXXX XXXX and the Fires were in XXXX which is only less than 5 miles. 

I would like to file this complaint as to see why Citi Bank is denying emergency benefits to minorities like myself. How many others have fallen victum with XXXX. I will not be doing business with this bank anymore do to this outrageous blatant racism.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act Account # XXXX ( XXXX XXXX XXXX ), Account # XXXX ( XXXXXXXX XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXX  ), Account # XXXX ( XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXX XXXX, Account # XXXX ( XXXX XXXX XXXX ), Account Number XXXX XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXX XXXX ), Account # XXXXXXXX XXXX XXXX XXXX  ), Account # XXXX ( XXXX XXXX XXXX XXXX ) have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Complaint sub-issue: Problem with statement of dispute

I asked that the information for University XXXX to be validated and what ever they reported to the CRA it was claimed to be valid. I have written to University XXXX twice and they have not responded to me. They just keep validating the debt with the CRA so I have recently written to the CRA asking them to provide to me the information the creditor is supplying them that allows them to keep stating the debt has been validated. I have nit gotten a response. I also have asked that accounts for XXXX to be validated and I have not gotten any response from the Creditors nor the CRA 's. I have also written to this office as well fairly recently in regards to this same issue. Please help
Complaint sub-issue: Personal information incorrect

INACCURATE PERSONAL IDENTIFIERS ON CREDIT REPORT
Complaint sub-issue: Problem during payment process

All of my credit cards and loan accounts are set to auto payments. I have never been late for any credit card payments. 

Citicards cancelled my autopayment on one of the cards in XXXX. I did not receive a single email or phone call regarding this. I received a call 34 days after the due date regarding the late payment. I immediately made the payment and called Citicards to  clarify the matter. Citicards credited the late payment and told me that they are not reporting this as a late payment due to COVID. 

I monitor my credit score and received a notification a few days later that Citicards had indeed reported this as a 30 day late payment. I called Citicards back and went over the situation again. I finally spoke to a supervisor that understood my issue and told me that they would report this as a banking error and the late payment flag would come off in the next 30 day cycle. Unfortunately, that did not happen. 

I have raised this issue with Citicards many times since the last couple of weeks but am not having much luck. 

Citicards cancelled my autopayment without proper notification. No email, secure message or phone call. Under CFR Part 1026.10 - Payments Section 10 ( f ) -4.v, if the card issuer can not charge a late payment for 60-day period, then the payment should not mark as late either.

CFR Part 1026.10 - Payments Section 10 ( f ) -4.v v. A consumer has elected to make payments automatically to a credit card account, such as through a payroll deduction plan or a third party payor 's preauthorized payment arrangement. A card issuer changes the procedures for handling such payments and as a result, a payment is delayed and not credited to the consumer 's account before the due date. In these circumstances, a card issuer may not impose any late fee or finance charge during the 60-day period following the date on which the change took effect for a late payment on the account.
Complaint sub-issue: Information belongs to someone else

I am XXXX XXXX XXXX natural person and consumer. I a writing this with no outside influence from a third party. Please review the attach documents to see the issue.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Spark driving for XXXX with XXXX XXXX. My application has been submitted for almost 3 weeks. XXXX work has no customer service contact number. The place running my background check is waiting for my consent forms that i have already filled out. XXXX will not let me update or resend them. I can not get in contact with them. This my personal background report that I want done asap or delete my information.
Complaint sub-issue: Information belongs to someone else

Checking my credit and I notice this account thats not my mines reporting on my stuff man and from what Im hearing As you know reporting inaccurate information on my report is against the FCRA and it needs to be removed Immediately if you do not have any written documentation of my consent to this I ask that it be removed immediately.. 

Deptednelnet XXXX Deptednelnet XXXX
Complaint sub-issue: Problem getting report or credit score

I have been working on increasing my credit score for approx. a year. I have paid for each credit bureaus individual service to manage my credit score, along with XXXX XXXX. All three credit bureau 's are directly reporting my score as XXXX - XXXX. 

I have applied for a mortgage and some third party reporting agency is saying that my reported credit score is XXXX - XXXX. I would like to file a complaint so I know that the monies I 've been paying out to each credit bureau is n't a financial scam?
Complaint sub-issue: Debt is not yours

Dear Sir or Madam I am writing to complain regarding the illegal Debt Collector tactics that was used to collect the debt. On XX/XX/2021 I have received a Collection Letter requesting me to pay {$450.00} to XXXX XXXX  and XXXX. from REMEX Collection Agency located XXXX XXXX XXXX, XXXX, NJ XXXX. 
I don't recall having any services rendered from XXXX XXXX XXXX XXXX therefore I requested a Validation of this debt. For this purpose I have sent a letter on XX/XX/2021 to Remex Inc with the Dispute of the claim and Validation request under FDCPA 15 USC 1692g Sec. 809 ( b ). 
Up until now XX/XX/2021 I have not received any responses from REMEX confirming that this debt is in fact belongs to me. I have contacted my Health Insurance Company and they were unable to confirm that I received any services for the amount of {$450.00} from XXXX XXXX XXXX XXXX 
REMEX however is continuing sending me requests for payment without properly validating this debt. I have send the letter to REMEX asking them to either provide me with the proper documents confirming that this debt is mine or stop pursuing this matter. However they are still harassing me with their requests. I believe this is frodulnet activity by Remax in violation of Fair Debt Collection Practices Act. Thank you
Complaint sub-issue: Their investigation did not fix an error on your report

I have been trying to get an auto loan removed/deleted off my credit report for months. I've had medical issues, got behind on XXXX payment. I wanted to pay them but they wouldn't wait so I voluntarily gave it back. The auto loan is showing up as a charge off that has a past due balance that increases monthly. I haven't received any type of letters stating a sale or anything. I feel like this auto loan havent properly been investigated and I want it removed.
Complaint sub-issue: Reporting company used your report improperly

Credit Bureaus are refusing to delete these inquiries due to IdentityTheft!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am attaching my identity theft report to prove it!!!
Complaint sub-issue: Didn't receive enough information to verify debt

I am currently XXXX  & tried to work out payment plan & was refused.
Complaint sub-issue: Account status incorrect

Reviewing my credit report after being denied for credit I discovered FedLoan Servicing reported me 180 days late in non-repayment of my student loan. The late period was from XXXX, XXXX and XXXX of XXXX. FedLoan Servicing was contacted on or about XX/XX/XXXX. They researched my account and found that I was in forbearance during that time and no payment was required. The account was updated in XX/XX/XXXX clearing all nonpayment and balancing the account. However, all did not balance with me. Because FedLoan Servicing was not current on their paperwork processing my forbearance they reported my account 180 days delinquent. 

Speaking to a FedLoan Servicing representative on or about XX/XX/XXXX I was told that they could not retract the negative reporting sent to the credit bureaus but they would write a letter stating that they reported my account late prematurely and that I was in forbearance during that time. The letter produced by FedLoan Servicing did not state what was discussed. It simply stated that my account is current. 

FedLoan Servicing was contacted again on XX/XX/XXXX. I explained that the letter I requested giving explanation on why FedLoan Servicing was incorrect in reporting my account delinquent was in error was not received. Although the FedLoan Servicing representative I spoke to explained in detail that the account was in forbearance, it was not 180 days late, the files were updated in XX/XX/XXXX, the credit bureaus were sent a delinquent report prematurely and I was told that all discussed was true they would not state it in a letter as I was promised. 

I pride myself in paying my bills on time. One of the core values instilled in me through my parents at a very young age is that if you make a bill pay it back on time. It was shocking to find out I had a negative report on my credit. The reckless, inaccurate and untimely processing of paperwork by FedLoan Servicing has caused great financial difficulties for me. They have made it impossible to get a credit card, rent an apartment and limit possible employment positions of trust. 

Repayment of student loans can make or break your future financial opportunities I am already experiencing. When you have a negative credit report and poor repayment history it can cost you thousands more dollars in everything from interest on credit card to auto insurance. FedLoan Servicing must do due diligence when reporting adverse credit information. There is no perfect system, however when you admit you made a mistake on your paperwork and send that negative report to the credit bureaus and you find out you made a mistake dont make the borrower the victim. FedLoan Servicing should do whatever it could to correct the problem. FedLoan Servicing failed to do so in my case.
Complaint sub-issue: Reporting company used your report improperly

I XXXX XXXX consumer, natural person, living person is giving written instructions to XXXX to remove and cease furnishing any and all reporting activities in regards to the accounts above.
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 XX/XX/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: Difficulty submitting a dispute or getting information about a dispute over the phone

cant give me information ... chargered me XXXX, cant cxl subscription. my credit score dropped 65 points in one shot and no one can tell me why ... Its a joke
Complaint sub-issue: Debt was paid

I had a {$2600.00} loan with XXXX XXXX XXXX. I have been paying on the loan for at least 4-5 years. The company changed to Cash Call and they began collecting on the loan.The continued to call me in regards to making payments. I attempted to make a payment approximately 2 weeks ago and they refused the payment and they could n't tell me why they could n't collect on the loan.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have an inquire on my report I did not authorize   XXXX  / XXXX  I. nquiry   XXXX   XXXX   XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have fraudulent inquiries from XXXX  XXXX and XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I have made several attempts for this company Hunter Warfield to provide proof of account ownership and they have not sent any information over to me. I have also called XXXX XXXX which was the original creditor and they said that they do not have any information on me and I need to contact Hunter Warfield. I have disputed this account since 2016 several times with all 3 credit bureaus and they have not provided me any information that I asked for as far as verifying this debt. I have never lived in these apartments. Either send me a lease stating that this is my account as I requested several times or remove this from my credit report.
Complaint sub-issue: Debt is not mine

I have never had XXXX OR XXXX
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Complaint sub-issue: Sued you in a state where you do not live or did not sign for the debt

On XX/XX/2019 I was served with a lawsuit by Aldridge Pite LLP a, debt collection attorney, ( case no. XXXX ) naming me and my siblings, ( XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX with the Estate of XXXX XXXX to foreclose on his home, which had a reverse mortgage. I immediately contacted the Law Office of Aldridge Pite LLP. I spoke to the paralegal assigned, MS. XXXX XXXX, to the case and advised that according to my fathers will, I was disowned. I offered a copy of the will and asked that I be removed as a party to the lawsuit. I emailed that will to Ms. XXXX on that same day. Ms. XXXX advised me that she had already spoken to my sister XXXX and would be emailing us a document to sign dismissing my name from the action. She asked that I send her a copy of the will. I also informed her that my brother XXXX XXXX was adopted by my step-father when he was XXXX years old. He was also not a legal heir. According to the will, the only legal heir is XXXX XXXX. 

I never got the email. My sister XXXX however did. I thought that since the statute of limitations to contest the will had expired on the XXXX of XXXX, that the reason I did not get that email was because I provided a copy of the will. I thought nothing of it and didn't even discuss it with my sister. Shortly after that, Covid caused the lock down in my state and Oregon, I did not even consider that I might need to appear in court. I was also not notified that there was a change in attorney 's handling the case, which would have clued me in that I was still on the list of defendants. 

On or about the XXXX week of XXXX, I received a copy of the judgement against me for the default and foreclosure of my fathers house. Not only am I not a legal heir, I was never on the title or the loan. I did not discover that my sister had received the email, and I did not, until I spoke with XXXX after receiving the judgement documents. 

This man was an XXXX XXXX XXXX who was convicted in an Oregon court and served time in the Oregon XXXX XXXX. He was cruel in life and he was cruel in his death and now this law firm continues to victimize his children by trashing our credit and our peace of mind. We would like nothing more than for everything pertaining to XXXX XXXX to die with him. Now we fear that other debt XXXX will also come after us.
Complaint sub-issue: Debt was result of identity theft

I have submitted a previous complaint against Discover regarding this issue ( complaint id XXXX ). 

Discover Financial Services is alleging that I owe them a debt that is not mine. I sent them a request to validate the debt as required by law. They received it on XX/XX/XXXX. They responded to me that they would investigate, however, never responded with the requirements in order to validate the debt like I asked them to do. I then sent them an Affidavit of Truth which they received on XX/XX/XXXX along with an invoice with the total charges of my violations from them. 
I received a response XX/XX/XXXX which stated that they have closed my account, however are still stating that I am liable to pay the alleged debt and enclosed statements as their evidence. 
Not only has Discover Financial Services ( XXXX XXXX and XXXX XXXX disregarded my Request for Validation under the FDCPA on numerous occasions, they have now again claimed that the account and balance is valid with no evidence. 
If they are continuing to claim I owe them an alleged debt, they are required by law ( and in response to my Affidavit of Truth ) to show proof through validation of debt. 

These are my rights as a federally protected consumer through laws made by Congress and Discover is continuing to violate my consumer rights under Title 15 Chapter 41
Complaint sub-issue: Their investigation did not fix an error on your report

I have ( 4 ) for accounts on my Consumer Report that's reporting inaccurate information. These are the following Acct : XXXX XXXX  is reporting a {$4600.00} balance on my Consumer Report as charged off I received a XXXX for this amount. Please remove this account from my Consumer Report for inaccurate information. 

XXXX XXXX is reporting a {$3000.00} balance on my Consumer Report as charged off I received a XXXX for this amount. Please remove this account from my Consumer Report for inaccurate information. 

XXXX XXXX is reporting a charge off for {$890.00} balance on my Consumer Report this account was paid in full. Please remove this account for inaccurate information. 

XXXX acct # XXXX is reporting a charge off for no $ amount please remove this account.