Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

Received my report from XXXX after I was denied a checking account at XXXX, I saw that there was a erroneous charge on my file from US Bank in the amount of {$1300.00}. I filed a dispute with XXXX and requested validation, they claimed the debt was valid and refused to give me documentation from US Bank proving the alleged debt. I believe that XXXX is continuing to report this account in violation of FCRA, since they should have deleted it when they couldn't produce validating documentation for this alleged debt. They are causing me economic damage at this point, as I have been denied other accounts due to this false information they are publishing about me. I have read online that they have a history of this false reporting, which has led to class action lawsuits in the past.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Accounts # 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 an account without my written instructions
Complaint sub-issue: Card opened as result of identity theft or fraud

Ive been dealing with an ongoing issue involving discrepancies on my credit reports. I have a closed out account due to a unauthorized credit card. I have never applied for an account with this company nor have I given anyone consent on my behalf.
Complaint sub-issue: Information belongs to someone else

XXXX is reporting a small loan tradeline that I never applied for to my consumer credit file. I never authorized an account in my name with XXXX XXXX, especially a small loan with XXXX nor was I aware that an account was ever opened in my name. XXXX is in violation of the FCRA by reporting this tradeline to my consumer file as I never agreed to any account with XXXX. In accordance with FCRA Section 609 I am requesting all contractual documents stating and proving that I am responsible for this account and that I agreed to and authorized such an account. I can not see any type of account number listed for the tradeline on my credit report. Remove this erroneous tradeline immediately as this is a complete violation of the FCRA.
Complaint sub-issue: Debt was paid

I am writing this letter because of erroneous information on my file. I have been trying to fix this dispute, but all to no avail. I demand for comply and conform or I will take a legal action. Thank you.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I received a refund from XXXX XXXX for my stay at their hotel. Discover found in my favor, then reversed. I sent a copy of the Refund ticket to Discover, see attached, Discover still continues to bill my account.
Complaint sub-issue: Problem with fees

I have had a Citi Bank card for 6 years and 2 months. NEVER late, NEVER delinquent. 16 months ago I took advantage of a " balance transfer '' offer they had. I set an auto pay to pay DOUBLE the minimum required monthly payment. As I had everything set on auto pilot I would check my account once every 2-3 months to see the balance. Steadily the balance went down. Until XX/XX/XXXX when I looked and noticed the balance went up {$870.00} without me even using the card ( white I was still making regular payments ). I found this alarming so I contacted them. Apparently in XX/XX/XXXX they changed my monthly minimum payment which caused my auto pay to be short and thus Citi Bank charged me an obscene amount of late fees. In addition the changed my interest. All of this with ought a phone call or email notification. This resulted in my credit card balance going up {$870.00} in 4 months without me even using the card for any transactions while I've been paying the card regularly. When I called Citi Bank they refused to do anything.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I took my car to XXXX for repairs. The original estimate was $ 400+ when it was time to pick up my car it had changed to {$1400.00}. XXXX claims they made those repairs without my permission and expected payment. Well things escalated, police were involved and I was told we had to resolve on our own or the DA ( district attorney ) would have to decide if charges would be filed against me. Not wanting to face the possibility of jail, I used my discover card and signed under duress which I noted on every page my signature was required including my receipt. I disputed it with Discover but was told that because the company submitted reasons for the charges they sided with the company. My issue is that XXXX didnt do the repairs as indicated and fraudulently charged us without making the repairs on the invoice. I dont believe Discover reviewed my case correctly.
Complaint sub-issue: Account information incorrect

I have tried every 60 days sending letters to credit bureaus to update information correctly because its reporting wrong on the bureaus. Last time I spoke with XXXX XXXX was XX/XX/XXXX. This acct has not been updated and last update was on XX/XX/XXXX showing a balance of XXXX which is incorrect payment have been made each month.
Complaint sub-issue: Their investigation did not fix an error on your report

The company, Equfiax, stated it conducted an investigation regarding my complaint. Please upload the investigation report citing the contact information utilized to verify and authenticate the unauthorized credit inquiries. According to 15 USC 1681a ( XXXX ) Exclusions. ( i ) - any transactions or experiences reported on my consumer report, requires my permission. Credit inquiries is considered an experience. Do you have my permission to keep the unauthorized credit inquiries on my consumer report? Please remove all credit inquiries cited in the FTC report I've uploaded immediately!
Complaint sub-issue: Information belongs to someone else

I have credit inquiries from Equifax and XXXX that are fraud. I had a similar problem earlier this year each bureau should have a police report and fraud affidavit on file the following were not made by me. These are all Fraud. 
1.XXXX XXXX 2 . XXXX XXXX XXXX 3. XXXX XXXX 4.XXXX XXXX 5.XXXX XXXX
Complaint sub-issue: Account information incorrect

To Whom It May Concern : This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I recently received communication from you attempting to collect the above-listed alleged debt. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I request verification, Validation and proof that this alleged Debt is mine and In addition I want proof of, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe.

Please forward me any documentation providing proof I applied for credit with this creditor. If you can not provide such documentation, then please remove this inquiry from my credit file immediately.
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 XXXX XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Their investigation did not fix an error on your report

I uploaded a letter to XXXX, equifax and XXXX and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. Each bureau sent me an alert which said the account was updated and the company verified my account. I asked for proof of any files to verify this account and if there aren't any, please delete this account. XXXX, XXXX or equifax doesn't have any files to verify this account, nor will they delete it.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX XXXX - reporting a balance of {$600.00} when original creditor shows Hughest balance being {$550.00} and when I called and asked to verify the balance history and validate it so I know its legitimate, they said they cant give me any info about the debt just that I have to pay them. 
Original creditor is XXXX XXXX XXXX- shows as open account on XXXX and Equifax as well as XXXX XXXX, how can they both be open? XXXX  fixed that with dispute. XXXX didnt update after disputing, Equifax has inaccurate history or none at all for multiple account and they continue to say they cant verify my identity when submitting a dispute, when I can log in their sister sites just fine to access my reports. 
XXXX XXXX XXXX claims to have bought a debt from a creditor my precious bank XXXX XXXX XXXX XXXX XXXX who I was having issues with their way of applying deposits and transactions out of order to ccharge me outstanding fees of hundreds of dollars over the time I was with them. I opened account elsewhere and was paying down the fees, I made a payment of {$200.00}, next balance said {$0.00} and then all of a sudden I have a collection from this collection co reporting I owe {$190.00}. They will not inform me what kind of credit ( since I had no credit with XXXX ) and what transactions I did not pay for that led the account to be sold to them. XXXX dispute was successful. XXXX and Equifax are impossible to submit disputes with and never seem to investigate to the degree that XXXX does or else they woukd come to the same conclusions. I have disputed wrong personal info through Equifax they claimed to delete and it still appears. My score is over 80 or more points less with Equifax, and 40 with XXXX due to these specific errors. Thank you for your time.
Complaint sub-issue: Information belongs to someone else

Going over my credit report and noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. Other accounts have been transferred to other offices and are now showing up twice on my credit report. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Account listed below : -XXXX  XXXX   # XXXX -XXXX  XXXX, XXXX. # XXXX -XXXX  XXXX XXXX # XXXX -XXXX   XXXX  XXXX  XXXX XXXX XXXX -XXXX  # XXXX -XXXX  # XXXX -I.C. SYSTEM, INC # XXXX -I.C. SYSTEM, INC # XXXX -XXXX XXXX # XXXX
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/XXXX I sent out a validation letter via certified mailing to the 3 major credit companies ( Equifax XXXX XXXX XXXX XXXX ) to resolve the issue at hand, kindly asking them to remove and delete the accounts that are very much inaccurate.There are several closed accounts from dates unbeknownst to my knowledge being reported also these accounts are still reporting " active '' activity. Equifax and XXXX has yet to delete and remove these accounts. This is affecting me tremendously and hindering me from obtaining credit. If these alleged accounts are " closed '', " charged off '' why are they being reported and reported inaccurately and having active activity to this present day when its been closed since the year XXXX & XXXX.
Complaint sub-issue: Other problem

On XX/XX/2019, I paid off and closed a secured credit card account with CitiBank. I was supposed to receive a refund for the secured funds within 7-10 days as stated by the representative in the phone. I never received said refund. I waited a while and called again in XXXX to request information about something else. No mention of my refund. 

I called back on XX/XX/2019 to see if it would be possible to have the refund that I never received applied to a new secured card. They let me know that this was not possible because I would have to reapply for a new credit card. However, my refund should be issued and received within 7-10 days. As of today XX/XX/2019, I have still not received my refund. I opened the app and found that a stop payment had been issued on XX/XX/2019 and a check had been re requested XX/XX/2019. Tomorrow, XX/XX/2019 would put me outside of the 7-10 day window for the refund I requested on XX/XX/2019. After spending an hour on the phone with management and other nonchalant representatives, I am concerned about the legitimacy of this company and the refund I should be receiving. Just as I would be responsible for interest after a 3 month delay in payment, I feel that I should be compensated for the delay and inconvenience. I have literally been waiting for my refund since XX/XX/2019.
Complaint sub-issue: Personal information

There is a address on my credit report I never lived T
Complaint sub-issue: Account status incorrect

I took out a self-lending " loan '' with XXXX where the loan is funds that I pay to myself in an account. When the loan matures, I cash the loan out with a withdrawal. In the meantime, XXXX reports to the bureaus that I am making payments. I had the account set up on auto payment, which is a requirement of the company when you set the account up ( it must be linked to an account ) and they didn't take the payments out of the account. There were always funds in this account as this was the account that my direct deposits were going into and I was always employed and I had my withdrawals scheduled for when my direct deposits were put into the account. I followed up with XXXX but they don't have any customer service agents who speak English as their first language and the language barrier was difficult to break through. I kept trying to process the payments but they kept reporting the payments as past due when I kept explaining that there appeared to be an issue with their auto-payment system because the account had money in it and I had verified the numbers were accurate, even unlinked and re-linked the account. Instead, XXXX, single-handedly brought my score down more than 100 points when I had enlisted their services to boost my scores. I was obviously in good standing because they extended an offer for a credit card, which I accepted to try to rebound my score a bit. They continue to report the account as charged off when it is NOT charged off. It is in good standing as the attached screenshots show. In fact, when I finally had enough and closed the accounts, XXXX paid ME the money they owed me for self-lending. since this was me lending myself money by paying into a savings account for the soul purpose of trying to boost my credit score. I have tried disputing this but XXXX doesnt ever fix the propblem. Now, I am about to lose {$10000.00} in earnest money and the home I am under contract on and be without a home for my family to live in ( because I already sold my home on XX/XX/XXXX ) due to their derogatory marks. Their derogatory marks need to be removed as this is the only thing preventing me from closing on my home and they are being reported in error as the documentation that I am uploading clearly shows. 

Additionally, when I opted to close the account early, there were fees assessed that weren't itemized. I have NEVER been provided a statement or itemization explaining these fees. When I log in through the app and on the computer, there is ZERO transparency and no access to past statements showing balances, fees, payments, etc. There is no truth in lending or transparency and leaves a lot to the consumer to question and wonder about where their money is going. 

I have a very short period of time for this to be resolved before my EMD is forfeited to the seller of the home. I ask that this is resolved in a timely manner. Thank you.
Complaint sub-issue: Information belongs to someone else

I recently pulled my credit report and noticed credit inquiries that I do not recognize, unauthorized and are NOT mine. I must have been the victim a cyber hack or identity theft. These non account holding inquiries with : XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Equifax XXXX, XXXX XXXX, XXXX XXXX XXXX Equifax MTG are NOT mine. I do not recognize and did not authorize them. These inquiries are fraudulent. To my knowledge, I have not signed any documents authorizing your organization to view my credit history, your inquiry into my credit reports violates the ( FCRA ) sec, 1681b ( c ) : transactions NOT initiated by consumers.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 USC SECTION 604 SECTION2 IT STATES I HAVE RIGHTS THE RIGHT TO PRIVACY IT ALSO STATES THAT AS A CUSTOMER REPORTING AGENCY VIALATED MY RIGHTS AND CANNNOT FILE AND PLEASE DELETES OFF MY CREDIT IN A TIMELY MANNER THANK YOU
Complaint sub-issue: Debt is not yours

Hi- Comerica bank on XXXX XXXX in XXXX michigan is attempting to collect fees not owed. On XX/XX/XXXX I went into the banking branch because they had closed my savings account for exceeding the transfer limit. When i went in I closed all accounts that day, 4 accounts, 3 checking and 1 savings. I told the bank enployee I wanted to close all accounts, at that time they gave me a check for approximatly 18k from my savings and {$400.00} cash from my checking. The bank is now telling me that the account was not closed on that day because of a pending transaction for {$20.00} from 2 days prior to me coming in and that the account was not closed that day and that the tip of {$6.00} I left overdrew my account. There was no mention of a pending transaction the day I closed the accounts. I asked to close my accounts they gave me the check and the cash and i left thinking my accounts were all closed, come to find out only 3 of the 4 were closed. Because changing my auto drafts to my new bank took 7-10 business days, some of those payments still went through to the comerica account which should have been closed. Now comerica is stating I owe over {$200.00} in overdraft fees on an account that I thought was closed. The bank has stated that they can not close an account when there is a pending transaction which is fine but this should have been comunicated to me rather than make me think the account was closed knowing that this could happen. Had they notified me that the account was not closed because of a pending transaction I would have come back in a day or two to close the account. The teller cashed out my account that day knowing there was a pending transaction that did 2 things, it made my account left open and opened me up to over {$200.00} in fees. I have perfect credit and have never disputed any charges, the way this bank conducted business was deceptive and resulted in fees that I should not be responsible for. The employee at the bank clearly knew I was there to close out all accounts and failed to do so, and failed to disclose any other details. She failed to notify me that she was unable to close the account at that time.
Complaint sub-issue: Was not notified of investigation status or results

I have sent a letter to the credit bureaus XX/XX/2020. I have not received any results yet. It has been over 60 days. That is a voilation. I demand for those accounts to be deleted at once. I feel as if they are taking advantage of me and not taking my request serious. I also sent a complaint through consumerfinancial.gov/complaint a few weeks ago. This is my second attempt to send a complaint. I received a letter from you saying you threw out my last complaint for not identifying myself. I am Who i say I am.
Complaint sub-issue: Was not notified of investigation status or results

my name is XXXX XXXX my social security XXXX, citi bank lowered my cridit limit which lowerd my cridit score 10 points, where i also ran to another problem with them so its like i paid minimum payment and i noticed the minute i pay the minium payment citi bank posted, citi bank post new minimum payment where the new one double of the old one ( where i end up paying three times the original down payment ) yet citi bank repeat that with the next month, the thing i have no problem on pay full balance but i ran to the need to get a personal loan the more i put down payment the lower interest rate it will be my payments where in sensitive citi bank went and lowered my cridit limit where it lowered my cridit score where it hit me hard becuase im working of getting loan, its like i have no idea that citi bank have problem with me paying the minium payment its like why this abuse, its like it took out what im not consuming where im not planning to consume it but this practice lowered my cridit score 10 points
Complaint sub-issue: Their investigation did not fix an error on your report

i have contacted all XXXX credit bureaus as well as XXXX XXXX XXXXimes challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the XXXX bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see,,,,, this account has been re aged which is a violation, this account is reporting a a charge off and it is also reporting a credit limit and a high credit... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the XXXX  year history it is not uniform across the board which it should be...
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX. XXXX I sent a certified letter to XXXX and to XXXX XXXX XXXX I informing them to delete this fraudulent account from my credit profile. I have not made any payments to XXXX XXXX XXXX. 

XXXX XXXX XXXX reported receive of payment on XX/XX/XXXX in the amount {$100.00} and on XX/XX/XXXX in the amount of {$250.00}, and a balance {$3200.00}. 

XXXX XXXX XXXX is reporting to the Credit Bureaus with a new balance, late payment and past due amount every month, and also reporting as a charge off every month.