Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Deposits and withdrawals

Debit card expired and I didn't receive a new card. The bank will not let me into my account to review deposits and pay bills until the new card arrives. XXXX, the customer service manager said it is Citibank policy to not allow customer access to their checking account unless they have a valid debit card. I'm unable to log into verify year finances and pay bills.
Complaint sub-issue: Need information about my balance/terms

I called FedLoan servicing on XXXX XXXX, 2016 requesting documentation to show exactly how much I owed on my student loans because my original creditor refused to proved me with original documentation regarding my loans. My mother and I signed the PARENT PLUS XXXX contract and filled it out in the financial aid office at XXXX XXXX XXXX. I have yet to receive any original documentation regarding my loans. I called back today, XXXX XXXX, 2016, and they are saying it will yet another 7-10 business days before I receive any documentation.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I received a payday loan from XXXX XXXX XXXX in XX/XX/2020 and I paid it back on time one month later. Then I received another payday loan XX/XX/2020 and paid it back on time one month later. I have recently noticed I have two hard inquiries from them I did not authorize them to do a credit check, nor did they disclose to me that they were doing a credit check it was literally a four minute interaction I was borrowing money from my own paycheck..On top of that they did too hard credit checks within a one month period for the exact same amount.
Complaint sub-issue: Attempted to collect wrong amount

XXXX XXXX XXXX XXXX  ( XXXX  ) forced XXXX  to Resign prior to taking certain classes. XXXX then proceeded to demand payment for those courses they restricted XXXX from taking. 
XXXX  entered into an Enrollment Agreement ( Exhibit A ) to pursue training in XXXX XXXX  XXXX at the ( XXXX ). XXXX  's courses were to be taken at the XXXX  Branch Campus in NJ. The Enrollment Agreement is signed by XXXX XX/XX/XXXX and is attached as Exhibit A. 
XXXX 's first course ( XXXX XXXX  XXXX ), he was given a failing grade because of his final exam grade of XXXX. His overall grade for the course was XXXX. 
On XX/XX/XXXX, XXXX was place on academic probation ( Exhibit B ). He was told that he must score a passing grade of XXXX on all subsequent courses. 
XXXX  's next course ( XXXX  ) he did receive a Final Exam grade of XXXX and an overall grade of XXXX ( Exhibit C ). 
On XX/XX/XXXX XXXX  was pulled out of his third course and forced to resign despite satisfying the requirements of the academic probation ( Exhibit D ). It should be noted that up to that date, XXXX  had a perfect attendance record and had overall scores of no less than XXXX On XX/XX/XXXX XXXX  received a collection notice alleging a balance outstanding of {$4500.00} ( Exhibit D ). This amount represents those course ( s ) those courses that he was not allowed to take. They were NOT the courses that he took and allegedly failed. Those courses that he completed were paid for by grants and loans ; those loans XXXX will be paying XXXX XXXX directly ( and possibly other loan sources ). According to their own paperwork, this will be {$6000.00}. 
XXXX  is not denying the obligation to pay back the {$6000.00} to creditors for the courses he did take. 
XXXX wants to collect on courses they prevented XXXX from taking. The {$4500.00} XXXX   alleges is owed is denied and constitutes an attempt at Unjust Enrichment by XXXX.
Complaint sub-issue: Information belongs to someone else

The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/2021 and Several times prior to that.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX  account # XXXXXXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX  account # XXXX, us dept ed account # XXXXXXXX XXXX XXXX XXXX  account # XXXX, XXXX account # 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
Complaint sub-issue: Account status incorrect

Equifax is reporting on my credit report that my account with XXXX XXXX XXXX is an open, active account. The XXXX XXXX XXXX account was paid in full and closed in XX/XX/2017! Equifax has had 6 months to correctly reflect on my report that the account was paid in full and closed, but apparently they are incapable of correcting accurate information provided to them from reporting companies ( but they sure are quick to add incorrect, fraudulent accounts on my report and decrease my credit scores as a result ). Equifax is in violation of the FDCPA by failing to accurately report the account and by calculating my credit score based on that inaccurate information.
Complaint sub-issue: Called before 8am or after 9pm

Jefferson Capital has repeatedly continued to call me at XXXX XXXX every day for the last 5 days including this morning XXXX I have told them to stop contacting me and that all communication should be through mail. They claim that its based off of my phone numbers area code yet Ive told them I dont live where the area code for my cellphone is registered. I asked them to send a letter to the address on file and stop phone communication. Yet Im woken up every day 26 minutes before I have to get up.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). This made a negative impact on me, especially when using credit transactions and so, I want this to be taken care of.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

i have sent in dispute letters to all 3 bureaus for 5 months now and no changes and no replies. There are inquires that are on my credit and I have no knowledge of them. i have asked for proof and got nothing
Complaint sub-issue: Problem getting your free annual credit report

This is not a personal problem that affects just me. This is affecting every consumer in our country. You have to fight & make several phone calls to get to your free annual credit report or even if you're denied credit. All 3 of these agencies direct you totally to their " pay for sites ''. This is a scam & is directed totally to people of low income or seniors. People with high incomes & other means of income do not rely on these so called credit companies. I also realize my complaint will be tossed & never addressed before I die.
Complaint sub-issue: Other problem getting your report or credit score

I have tried for 48 hours to log into my.equifax.com. 
They system accepts my credentials, but I'm then directed to call a number. When I call the number, I'm put in a loop. I've called 8 times. I keep getting transferred from one department to another, then, at some point in the process, they disconnect my call. 

Without being able to log into their system, I'm unable to monitor or impact Freezes on my account, without the telephone, which takes over an hour. 

It's difficult to believe this company is allowed to exist after trying to hide it's security breaches, and these continued failures in customer service.
Complaint sub-issue: Didn't receive advertised or promotional terms

I was promised 0 % apr for 21 months ending XX/XX/2020 After five months of on time payments I accidentally made a payment late by 5 days. 

The late payment was due to their website not working properly. 

I contacted card member services and they agreed to credit me back the late fee. 

Then without notifying me they revoked my promotional period and began to charge me interest. 

I was neither notified over the phone nor was I notified by mail. 

I contacted the both XXXX XXXX and XXXX XXXX XXXX and was given the run around on the phone. 

I was treated very rude. 

I have taken notes on my phone conversations and have the names and dates of those who treated me rude and deceptive. 

I told them that I would call the police and they laughed at me. 

Sincerely, XXXX XXXX  Customer
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I DID NOT AUTHORIZE THIS INQUIRY AND NEEDS TO BE REMOVED FROM MY ACCOUNTS. 

XXXX XXXX XXXXXX/XX/XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

We purchased a vehicle in XXXX from XXXX XXXX, who contacted XXXX XXXX for funding. We were denied credit through XXXX because of a report from Sagestream , LLC, a credit reporting company we have never heard of. Our credit scores with XXXX, and XXXX are all in the XXXX 's, and feel something is wrong when a company people have never heard of are able to report things. Also, we were approved for our loan by another company, and it has taken XXXX over two months to send us any notification.Have been told by others XXXX approves only wealthy people. XXXX needs to be stopped from using a company that people have not heard of for credit scores, to deny credit. I wonder how much they pay this unknown company to report this stuff. Sagestream needs to be shut down for giving credit reports that are not only way below others, but have no business reporting untrue facts. I urge anyone who has been denied credit by any company, and Sagestream to file reports with The Consumer Financial Protection Bureau.
Complaint sub-issue: Threatened or suggested your credit would be damaged

Received a written notification from AFNI at afnicollections.com and they stated I owed a certain amount for a company I had no debt with. I contacted the company before contacting AFNI ( from a blocked phone number ) and confirmed that I had no debt with that company and they have no record on file of unpaid debt. Additionally, I never once got notification from the company itself of any unpaid debt.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

This is regarding my Citibank AAdvantage Platinum Credit Card. 

There was a company I had transactions with prior to XX/XX/XXXX. Sometime between XX/XX/XXXX and XXXX XXXX of XXXX, I had lost my card and noticed this within the next few days, at which time I called Citibank to report my card lost or stolen. There were 12-18 charges made between XX/XX/XXXX and XX/XX/XXXX on this card by this single merchant. When complaining to Citibank, they originally marked it down as fraudulent, some as dual charges, overcharges, or have not received the service. All of these were marked incorrectly and I therefore had to call back 7 documented times to report that these were UNAUTHORIZED charges and should therefore be removed from the account. Citibank has gotten responses from the merchant that there is verification of a charge. After reviewing the responses with Citibank, it was determined that there is no proof I made the charges, rather that my card was simply used. I was also informed that since Citibank did not document the dispute properly that I have a higher chance of losing. I spoke to people in group ID XXXX to discuss. One of those spoken to was XXXX who had promised to fix it all on XX/XX/XXXX. 3 more calls had to be made afterward and nothing has been resolved. Currently Citibank is charging me for over {$4000.00} of charges that I have not made. My response was to please prove that I personally made the charges being that there will be no way to prove it being that it wasn't actually me. Citibank at one time had the merchant on the phone on XX/XX/XXXX. Citibank was ok with the questions the merchant was asking such as : what is your social security number. This is all on the recorded call on that date. I do not believe a merchant has a right to ask that, nor do I believe Citibank should agree with such action. 

Overall, Citibank has treated me horrendously through the process and I am looking for some way to challenge these charges and not have to pay for charges I have not made.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I contacted Equifax on XX/XX/XXXX and made them aware of an inquiry on my credit report that I did not authorize and is a result of fraud. The inquiry and date is XXXX XXXX on XX/XX/XXXX. I have an active fraud alert on my consumer report with XXXX  and I extended it for another 90 days in attempt to prevent any further fraudulent activity. Equifax also has a copy of a police report on file from the related incident.
Complaint sub-issue: Account information incorrect

SO I OVERPAID ON A PAYOFF WITH CONNS APPLIANCES AND I HAD NO CLUE UNTIL THEY REPORTED MY ACCOUNT LATE AND DELINQUENT, SO I FILED A DISPUTE AND ITS WAS DONE FIXED AD CLOSED, THEN 2 MONTHS LATER THEY REPORTED ME DELINQUENT AGAIN, I HAVE LOST A TOTAL OF 107 POINTS TOTAL SINCE THIS HAS FIRST STARTED AND THEY ARE NOT GIVING ME ANY UPDATE. I REALLY NEED HELP
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2014, XXXX CO XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Fee problem

I opened a student account at Citibank four years ago. The bank clerk told me there was no cost. I opened my account this month and saw that I received two service fees. XXXX and XXXX. {$25.00} each time. I called and complained about customer service. So I know that Citibank changed my account to an account that requires a service fee without telling me. Then, under my complaint, they only refund half of the service fee. I am very dissatisfied. Citibank has all of my information. But they did not inform me that my account will change.
Complaint sub-issue: Was not notified of investigation status or results

I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM 15 usc 1681c-2 Pursuant to the fair credit reporting act. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Information belongs to someone else

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX XXXXXXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.
Complaint sub-issue: Account status incorrect

My account status on my XXXX report currently shows that the account is deragatory. However, this account has been paid off since XX/XX/2021 and should reflect closed instead. 
Acct : XXXX
Complaint sub-issue: Reporting company used your report improperly

As of today XX/XX/XXXX Ive tried unsuccessfully to get in contact with the collection agency called The Bureau. Ive called several times and left numerous messages regarding a derogatory account listed on my credit report. This account was opened on XX/XX/XXXX with a balance of {$720.00} and the originator being XXXX XXXX Bank. I have had no contact what so ever with any representative from The Bureau nor has anyone from The Bureau tried contacting me before reporting this information on my credit report. I have no standing signed contract between myself and the Bureau and I have never done any business transaction with any employee of the Bureau. This account has a negative impact on my credit history and is by all means a defamation of character. This account also goes against the rules and regulations set forth by the FCRA to protect clients and their personal information from slander and misappropriation. I would like The Bureau to remove this account and its information from my credit report and be prevented from reinserting it at a later date.
Complaint sub-issue: Old information reappears or never goes away

This account was deleted and Re-inserted onto my credit reports. I am including documentation to support my claim of violating my Re-Insertion rights per the FCRA. I was never notified in writing that this account would be re-Inserted. There will also be a document that was received from the Creditor when I asked for Validation and their refusal to investigate the account.

The Credit Reporting agencies are also refusing to Validate the accounts by providing me with a contract with my signature of said account. 

XX/XX/2019 Dispute sent to the Credit Bureaus disputing the account listed on my Credit report. 
XX/XX/2019 dispute results received and the accounts were removed. 

Since the accounts have been Re-inserted without explanation or Validation. 
Please Delete per FCRA XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX
Complaint sub-issue: Was not notified of investigation status or results

I have sent Equifax 11 letters and NOT received one response regarding Unknown XXXX XXXX XXXX XXXX XXXX XXXX 

Nor has Equifax deleted said item due to their inability to verify or validate said collector. 

This is very annoying as this is my only negative thing on my credit report and it is reported incomplete, and inaccurately. 

XX/XX/XXXX XXXX XXXX  Equifax Submit XX/XX/XXXX XXXX XXXX  Equifax Submit XX/XX/XXXX XXXX XXXX  Equifax Submit XX/XX/XXXX XXXX XXXX  Equifax Submit XX/XX/XXXX XXXX XXXX   Equifax Submit XX/XX/XXXX XXXX XXXX  Submit XX/XX/XXXX XXXX XXXX  Submit XX/XX/XXXX XXXX XXXX  Equifax Submit XX/XX/XXXX XXXX XXXX  Submit XX/XX/XXXX XXXX XXXX  Equifax Submit XX/XX/XXXX XXXX XXXX  Equifax Submit XX/XX/XXXX XXXX XXXX  Equifax Submit XX/XX/XXXX XXXX XXXX  Equifax
Complaint sub-issue: Information belongs to someone else

Unfortunately I have been a victim of identity theft. I rarely ever check my credit and my girlfriend checked it for me for my business and saw several items that we were unaware of. There is debt on accounts that we never took out. Please help me because this is hurting my ability to buy more XXXX  for my XXXX  company.
Complaint sub-issue: Account information incorrect

this is about the inaccuracy that is reporting to XXXX, XXXX and XXXX there are serval ideas on my profile that are not accurate or does not show the same information this is the reason I know this is not violate information.
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. And In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : Dept of EducationXXXX XXXX XXXX XXXX XXXX / amount {$1700.00}, Dept of EducationXXXX XXXX XXXX XXXX XXXX amount {$3500.00}, Dept of EducationXXXX XXXX XXXX XXXX XXXX /amount {$4300.00}, Dept of EducationXXXX XXXX XXXX  XXXX XXXX amount / {$2800.00}, Dept of EducationXXXX XXXXXXXX XXXX # XXXX /amount {$230.00} XXXX Dept of EducationXXXX XXXX XXXX # XXXX /amount {$3000.00} Account name XXXX XXXX # XXXX /amount $ XXXX PAID OFF XXXX XXXX XXXX XXXX XXXX XXXX /amount {$720.00} =PAID OFF XXXX, XXXX, and Equifax 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 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: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected 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
Complaint sub-issue: Account status incorrect

It has been brought to my attention that there are multiple XXXX days late payments being reported on my credit report for my account with your company. The month of XX/XX/XXXX, XX/XX/XXXX, and XXXX XX/XX/XXXX are reporting as late. I am not sure why these months are showing as late, however ; paying my account on time is very important to me as I am working very hard to improve my credit.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax continues to report a collection account on my credit that does not belong to me. The account is missing the name of the collection agency, and Equifax refuses to remove the account even though it's not reporting accurately.