Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Hi, Its regarding credit card disputed i opened with Citibank Credit Card. I got my car repaired and paid XXXX USD using Citibank Credit Card.

Since, i got this repaired from a local garage shop where I never received any written guarantee nor the car is working what i paid for, i opened up a dispute for that transaction for as " bad service '' to claim back XXXX  USD.

Citibank understood my issue, acknowledged but I have a feeling that they never took it to a next level and rather I was always asked to generate papers and documentation to fight for it and prove that I have had bad experience with the purchase.

The dispute was opened by on XX/XX/2018. They on XX/XX/XXXX, rejected my claim saying that they can't do anything and could not get the amount credited for my disputed charge from the merchant and marked the investigation as Done.

As XXXX USD is a substantial amount for me, so i decided to reach out here to find out if there is possibility of my request of dispute could be worked out. I am claiming back the whole XXXX  USD however I am claiming the amount which I should not have paid for.

When i received my car back, it was working as expected however I can't even take back since I didn't got a real receipt, any written warranty, no bills of the parts installed, and i paid for every minute they spent on the car checkup - this makes me feel not try that anymore.

I am requesting if CFPB could help informing Citibank to help me with this dispute case. I pay my bills on time, i have a good credit, etc. This was just a bad experience for me and seeking for a fair response in this case.

Thank you!!!

D
Complaint sub-issue: Can't temporarily delay making payments

I have two private loans with loan servicer, American Education Services. Their website is www.aessucces.org. 

My monthly payment is due on the XXXX of every month. Im currently past due {$460.00}. Right now, Im unemployed and there is no way that I can make these payments until I get a new job. 

I sent in a letter to be forwarded to the lender on XX/XX/2019, asking for additional forbearance or deferment since Ive apparently used up my other options according to AES. 

Ive called every day since Ive sent in the letter, but to no avail, its still under review. I dont see how reviewing a letter can take so much time. 

I want to resolve this issue as I have a co-signer on the loans and I dont want to impact them on the credit reports. 

However, Im stuck between a rock and a hard place because I have no way to pay back the loan currently. 

Please advise ASAP.
Complaint sub-issue: Information belongs to someone else

I was a victim of fraud a few years ago andI need my address update to my credit file to XXXX XXXX XXXX XXXX, OH XXXX. My name is XXXX XXXX XXXX DOB XXXX, SS XXXX. I have had my IDENTITY comprised at a previous address XXXX XXXX XXXX XXXX, OH XXXX, please delete or remove this address due to the fraud that happened to my credit there I don't want to be associated with this address and remove my name from any prescreened offers and promotion as well. 
Please inform the account below that I demand verification or validation if not please delete this account due to my previous ID theft I demand proof for any and all unknown accounts that I have never had a contract with these companies : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Complaint sub-issue: Received bad information about your loan

Good Morning I had this problem last year and it was resolved, however I am having the same issues this year and I am trying to find a permanent resolution to this problem. 

My income tax check of {$6000.00} is being offset unlawfully. I have received no notification of money owed. I complete the public loan forgiveness forms annually, and last year when my taxes were offset. I called and the error was fixed and I received my money back. 

This time around I called the US Department of Education to find out what is going on. I was told I owe {$45000.00} ( impossible ) I asked when documentation was sent out in this regard. I also asked why my records don't reflect this balance. I encountered a rude customer service rep that wasn't helpful at all. 

To my understanding funds will be released wednesday so there is still time to correct this error. I need someone to please contact me so that we can get this straightened out as soon as possible.
Complaint sub-issue: Account information incorrect

Public records on credit reports are invaild and all three credit bureaus refuse to remove them ; they have not furnished me the source of where this invalid information is coming from and its all wrong the date filed, dismissed, amounts, reference numbers are all wrong ; I have request validation from court houses and was advised they do not valid public records for consumers or credit bureaus ; I have disputed this information and have not been processed correctly Child support should not be on reports at all and the bankruptcy isn't valid failure to remove will result in civil case such as Civil Case # : XXXX XXXX XXXX v. Equifax and child support violates Public Law 805-C3. need bankruptcy and all 3 child support accounts removed.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

It seems that I have an inquiry from your company and Im looking to get more information because I never applied for anything and Im trying to figure out why and where would this inquiry come from. I am unaware of the inquiry. I have been a victim of identity theft and I have suffered from the credit breach. I would like to get to the bottom of this and I am working with an investigator. I have contacted FTC including filing a complaint, and leaning towards taking legal actions against the credit bureau and creditor for not contacting me in a situation where someone is using my credit without my consent, which is a violation of severs sections in The Fair Credit Act sections 609, 611, 604, 605. 

Inaccurate : XXXX XXXX
Complaint sub-issue: Information belongs to someone else

XXXX XXXX is a bank that is reporting on my consumer report with derogatory marks. I am a natural person. I am a consumer. I have proof that I sent XXXX XXXX a request for debt validation pursuant to 15 USC 1692g. I sent this out on XX/XX/XXXX. It has been over XXXX XXXX XXXX never responded or validated the debt. This means this debt is not valid. 

EQUIFAX is reporting this derogatory invalidated account on my consumer report. Pursuant to 15 USC 1681 Credit Bureaus must report with accuracy and fairness. Reporting a debt that was not validated is a violation of my consumer rights. They are reporting inaccurate information. This is also a violation of my privacy pursuant to 15 USC 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Complaint sub-issue: Debt was result of identity theft

TRS Recovery Services is trying to collect for a creditor called XXXX XXXX. I never did any business with this XXXX XXXX company. TRS is stating that I owe XXXX XXXX {$1000.00}. I never made no inquires to this company and never told them to open an account for me.
Complaint sub-issue: Account information incorrect

Based on 15 US Code 1681, the banking system is dependent upon fair and accurate reporting of my credit. Unfair credit reporting by you has caused me to lose confidence in the banking system, making me not want to extend my credit to anyone. 
Pursuant to 15 US Code 1692 ( a ), there is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. These practices have been detrimental to my life. I have lost out on job opportunities. This has caused lost wages for me. This has caused physical stress on my body, having to work harder physically in order to maintain financial matters. This has caused mental anguish for me, especially during the times of my parents passing. Lacking the funds to properly burry my parents has been the absolute worst, and your inaccurate and unfair reporting has contributed to this. 
Based on 15 U.S. Code 1681 ( a ) ( 4 ), I, the consumer, have a right to privacy. Equifax has violated my right to privacy by furnishing private information about me without any lawful authority or my written consent. 
All consumer reporting agencies must follow reasonable procedures pursuant to 15 U.S. Code 1681 ( b ). Reasonable procedures were not followed by Equifax and this is a violation of 15 U.S. Code 1681 ( b ).
Complaint sub-issue: Information belongs to someone else

I have attempted to login to Equifax 's website multiple times for the past year. I have called, emailed, attempted to reset passwords but have never been able to access it. Equifax probably keeps me out on purpose to depress those on financial recovery or possibly due to racist reasons, since I'm a white woman ( yes, white people are discriminated against too ). Anyways, there is a fraudulent account posted on my Equifax credit report. The account shows on my credit report as " XXXX XXXX XXXX '', Date Opened " XX/XX/2020 '', and {$800.00} balance. There is no payment history listed, no comments, and the account type is blank. I did not open this account and have no knowledge of it. It appears to be a fraud or an attempt at theft/invalid collection.
Complaint sub-issue: Their investigation did not fix an error on your report

I HAVE DISPUTE THIS ON XX/XX/XXXX AND I WAS INFORM BY A LETTER FROM XXXX XXXX XXXX THAT THE ERROR ON THERE PART HAS BEEN FIXED AND THE ITEM IS NOW SHOWING BACK UP ON MY XXXX AND XXXX CREDIT REPORT. IT NOW 11 MONTH LATER AND THE ITEM THAT I HAVE DISPUTE WHICH SHOULD OF NEVER BEEN TAKEN OFF OF MY CREDIT REPORT IS NOT SHOWING UP AT ALL. A LITTLE BACKGROUND ON THE DISPUTE I HAD BACK IN XX/XX/XXXX. ON MY XXXX CREDIT REPORT IT WAS SHOWING A WRONG DATE OF LAST DATE OF ACTIVITY ON THE ACCOUNT. I WENT AHEAD AND DISPUTE THIS WRONG DATE WITH EQUIFAX AND IN THE PROCESS OF DISPUTING THIS THE ACCOUNT WAS DELETE OFF OF MY CREDIT REPORT AND A COUPLE OF DAYS LATER IT WAS DELETE OFF OF MY OTHER CREDIT REPORTS. I CALLED XXXX XXXX XXXX ABOUT THIS ERROR AND THEY SENT ME MY PAYMENT HISTORY ON THIS ACCOUNT WHICH SHOWED THE DATE OF LAST ACTIVITY WAS XX/XX/XXXX BUT ON MY XXXX CREDIT REPORT IT SHOWED A DATE OF XX/XX/XXXX. I SPOKE WITH SEVERAL REPRESENTIVE ON THE PHONE FROM XXXX XXXX XXXX REGARDING THIS ISSUE. THIS ACCOUNT WAS A CLOSED ACCOUNT AND IT WAS TRANSFER TO XXXX XXXX XXXX. AT THE TIME IT WAS TRANSFER THE ACCOUNT WAS CURRENT AND IT HAD NO LATE PAYMENTS AT THE TIME IT WAS TRANSFER. SECOND LIKE I SAID EARLIER IT WAS A CLOSED ACCOUNT IN GOOD STANDING AND ACCORDING TO THE CREDIT BUREAU IT STATES ANY ACCOUNT CLOSED AS PAY AS AGREE REMAIN ON ONE CREDIT REPORT FOR 10 YEARS. THIS ACCOUNT WAS CLOSED IN XX/XX/XXXX AND THIS ACCOUNT IS NOT DUE TO COME OFF UNTIL XX/XX/XXXX. WHEN THIS ACCOUNT WAS DELETE OFF OF MY CREDIT REPORT IT LOWER MY CREDIT SCORE AND JUST I SAID EARLIER THE ACCOUNT WAS IN GOOD STANDING. ANY LATE PAAYMENTS ON THE ACCOUNT GET REMOVED AFTER 7 YEARS OF THE DATE IT BECOMES LATE IF THE ACCOUNT IS CURRENT. IF THE ACCOUNT WAS NEVER CURRENT AT THE TIME IT WAS CLOSED OR TRANSFER THEN IT WOULD FIT THE 7 YEARS DEQUENCY BUT IN THIS CASES IT DOESNT FIT THAT. ACCORDING TO XXXX XXXX XXXX IN THERE ANSWER THAT THEY GAVE ON XX/XX/XXXX THEY STATE AS FOLLOW AS A RESULT OF THIS DISPUTE THE PROCESSOR INCORRECTLY INDENTIFIED THIS ACCOUNT AS HAVING AGED BEYOND THE REQUIRED REPORTING PARAMETERS AND SUBSEQUENTLY DELETED THE TRADELINE. THE ERROR WAS DISCOVERED AND A MANUEL UPDATE WAS PROCESSED FOR HIS TRADELINE TO REAPPEAR ON HIS CREDIT REPORT, AS TO THIS DATE AND TO THE CURRENT DATE AND YEAR NOTHING HAS REAPPEAR ON MY EQUIFAX OR MY XXXX CREDIT REPORT. THE TRADELINE OF MY XXXX XXXX CREDIT REPORT WAS UPDATE CORRECTLY BUT I AM STILL WAITING FOR THE ITEM TO REAPPEAR ON MY EQUIFAX AND MY XXXX CREDIT REPORT. I ALSO RECEIVED A LETTER FROM THEM THAT STAE THE ITEM HAS BEEN REINSERTED BACK ON MY CREDIT REPORT BUT SADLY IT HAS NOT
Complaint sub-issue: Other problem getting your report or credit score

Ive contacted Equifax several times, the last date Ive contacted Equifax were on XXXX XXXX. I requested to have Equifax report my information. The rep stated they were. I informed her they wasnt. Please contact them in regards to reporting my information. 
Thank you
Complaint sub-issue: Information belongs to someone else

There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship. Please take this matter very seriously
Complaint sub-issue: Debt is not yours

I have contacted both XXXX XXXX and XXXX in regards to a negative account being reported in my credit files. I received a letter from XXXX dated XX/XX/2018 stating the account was sold to XXXX XXXX. Prior to this date, I received a letter from XXXX XXXX stating they provided verification of the debt, this is untrue. The information received did not have my signature therefore that is not validation. In addition, the letter stated that my credit reporting dispute is with XXXX XXXX XXXX. 

I am requesting for this account to be removed from all 3 credit bureaus, as neither company has provided me with validation that proves this is indeed my account. 

**Both letters are attached **
Complaint sub-issue: Problem with customer service

My name is XXXX XXXX and I currently have federal student loans held by Mohela as of XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX and I initially applied for XXXX XXXX XX/XX/XXXX. Minimal progress was made in receiving a clear response of outcome despite numerous calls and emails. 
- XXXX/XXXX/XXXX filed XXXX  request for all loan payments since inception. 
- XX/XX/XXXX provided copies of XXXX waiver applications, XXXX for multiple years, XXXX  transcript, and military orders. Provider denied application stating they could not verify XXXX based on last XXXX numbers provided on XXXX  transcripts and number of hours on application did not correlate to earnings. This did not make sense or seem logical. 
- Provided actual XXXX for XXXX Credit given for years worked. 
- XX/XX/XXXX - received XXXX  requests with XXXX documents. Proof of payments XXXX - uploaded actual XXXX for XXXX Awaiting response. 
My primary complaint is timely truthful communication provided by loan servicer, fairness in application of XXXX  rules as stipulated by XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

i have contacted Equifax numerous times to tell them the inquiries on my credit file with them are erroneous and a violation of the 15 usc 1681 ( B ). I notified them that inquires can only be on my personal credit file by '' permissible purpose '' and the consumer is the only one that can give permissible purpose and consent to their credit file.

I the consumer did not give " permissible purpose '' according to federal law 15 usc 1681 ( B ) therefore this is a violation of federal law and a violation of my consumer rights. This erroneous info on Equifax consumer file has caused great stress in my and my families life. i contacted them 3 times and now i am contacting the C.F.P.B who was put in place to protect the consumer rights. i will be seeking damages for the violation of my rights that the company Equifax has caused. i demand the following inquiries be removed from my consumer file. 
XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX date XX/XX/XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX date XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquiry date XX/XX/XXXX These are a violation of federal law 15 usc 1681 ( b ) Thank you Mr XXXX
Complaint sub-issue: Account status incorrect

My credit report shows a closed account from XXXX XXXX that shows a balance of {$520.00} and its listed as a negative/delinquent account. This information is INCORRECT. That account has a {$0.00} balance and is NOT DELIQUENT OR NEGATIVE. IT IS PAID IN FULL AND IT IS CLOSED.
Complaint sub-issue: Was not notified of investigation status or results

I sent a letter to Equifax, XXXX  and XXXX  on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been almost 60 days and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been almost 60 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.
Complaint sub-issue: Information belongs to someone else

THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Bankruptcy : Discharged CH-XXXX THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2019. 

2. Bankruptcy Chapter XXXX-Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2019.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have called XXXX  to have some inquires removed due to a server error. These inquires are as follows : XXXX XXXX XXXX XXXX XXXX  via -XXXX XXXX XXXX XXXX XXXX via XXXX XXXX  -XXXX  XXXX XXXX -XXXX  XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX Customer service would not take care of the negative inquires reporting to the credit report.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX is not mine. Credit Bureaus are misrepresenting that I owe this debt and yet they could not substantiate its representation.. They have provided information while knowing or having reasonable cause to believe that the information was inaccurate. They failed to abide the provisions of FCRA that's why I am filing this complaint
Complaint sub-issue: Information belongs to someone else

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I do not validate this debt.
Complaint sub-issue: Sent card you never applied for

On XXXX, I received an unsolicited U.S. Bank ReliaCard in the mail. The card contained my name and used a former address ( same location but new XXXX address change ). I contacted the Oklahoma Employment Commission who advised an unemployment claim had not been filed in Oklahoma but directed me to contact Colorado. Virtual directions were provided as to how to proceed with reporting and hopefully deactivating the card. A fraud alert has been filed with the credit bureaus, a fraudulent unemployment claim report was filed Colorado, Identity Theft Report was filed with the Federal Trade Commission and fraud report was filed with issuing agent U.S. Bank ReliaCard as US Bank was unable to be reached by telephone. An email was sent to XXXX to address deactivation ( per form instructions ) and prevent the individual/s who filed the fraudulent claim from requesting a lost or replacement card using my information. Thank you for your attention to this matter.
Complaint sub-issue: Investigation took more than 30 days

A certified letter ( Tracking number : XXXX ) dated XX/XX/2021 was sent to EQUIFAX showing inaccuracies found on my credit report requesting these inaccurate items to be removed from my credit report. This deletion request letter was accompanied by supporting factual evidence from my credit report. 

As of today, more than 45 days have elapsed since this request for the removal of inaccurate information from my credit report was filed with EQUIFAX. In accordance with Federal Regulations ( FCRA section 609e, 611, 623 ) EQUIFAX should have investigated and provided factually supported evidence and appropriate documentation or have removed these items from my credit report within a reasonable time of 30 days. 

Since these inaccuracies are still on my credit report with no written response, EQUIFAX is in violation of these Federal regulations and must delete these inaccuracies from my credit report immediately. Unlawful reporting of inaccurate information by Equifax has caused financial hardship on me including denials for credit, I demand these inaccuracies and unauthorized inquiries from my credit report be deleted immediately.
Complaint sub-issue: Debt was result of identity theft

My name is XXXX XXXX XXXX and I recently conducted a review of my credit report, and I discovered that your agency shows some unauthorized accounts that I find to be detrimental to my credit. 1. XXXX XXXX XXXX, Original creditor : XXXX XXXX, {$94.00} 2. XXXX XXXX XXXX, Original creditor : XXXX XXXX XXXX, {$3500.00} 3. ENHANCED RECOVERY CO L, Original creditor : XXXX XXXX, {$110.00} 4. ENHANCED RECOVERY CO L, Original creditor : XXXX, {$240.00} XXXX. XXXX XXXX XXXX, Original creditor : XXXX XXXX XXXX, {$66000.00} 6. XXXX XXXX XXXX, Original creditor : XXXX XXXX MD, {$480.00} To repeat, these transactions occurred without my permission. I would like to request the suppression of the above items from my credit report, which are the result of me being a victim of identity theft. This information does not relate to transactions that I have made/accounts that I have opened. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act, 15 U.S. Code 1681, 15 U.S. Code 1692g and 15 U.S. Code 1601. As previously stated, I did not originate these debts. Reporting is voluntary not mandatory. Not ONE law says anything has to be reported. In any situation, it is hampering my reputation and I am unable to obtain new credit. In addition, I have been getting denied for employment, having difficulty purchasing a car, and trouble getting approved for a place to live.
Complaint sub-issue: Their investigation did not fix an error on your report

pmab llc is saying I owe for medical. All of my hospital bills were paid by grants and XXXX. I sent this information to all the credit bureaus. And XXXX  is the only place it remains. I would like them to follow suit and remove
Complaint sub-issue: Reporting company used your report improperly

I did not authorize this company to pull my credit nor has proof been provided that I authorized this credit pull.
Complaint sub-issue: Their investigation did not fix an error on your report

I have submitted multiple disputes with the credit bureaus for well over six months now and they continue to report inaccurate items on my report without my consent. I have asked them how did they verify these items and I am not getting any answers besides a letter stating 'the item is verified '. I have proof that the other bureaus have deleted the item so why are EQUIFAX, XXXX and XXXX continuing to reporting them.Please Help!