Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

These accounts listed are the issue XXXX XXXX XXXX  # XXXX, XXXX # XXXXXXXX XXXX CREDIT # XXXX, XXXX  # XXXX, XXXX XXXX, XXXX XXXX. Pursuant to the XXXX Credit Billing Act, A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. These accounts listed have billing errors. This is not a refusal to pay but a notice that this alleged debt is disputed. I respectfully request these companies provide me with documentary evidence validating this alleged debt. If no such evidence of indebtedness exists, and the only indebtedness is by agreement, these companies can not lawfully furnish this inaccurate negative information to the credit reporting agencies. The United States is bankrupt. If these alleged debts are valid, what authority do they have to collect this debt in the United States? If these alleged debts can not be validated and turns out to be an extension of credit, that would make the negative information provision in any agreement between us VOID and UNENFORCEABLE. Do these accounts include a finance charge? If so, does the finance charge include a premium that protects the creditor in case of default? Has any insurance been filed on these accounts? If a 1099c or any insurance has been filed on this account, you have no right to continue furnishing this inaccurate information to coerce repayment of this extension of credit. The continued reporting of these inaccurate information 's would constitute a breach of fiduciary duty. Since there is no law under the Fair Credit Reporting Act requiring these financial institutions and creditors to report negative information to a consumer reporting agency, these companies knowingly are reporting inaccurate information to the consumer reporting agencies. Reporting information with reasonable cause to believe is inaccurate VIOLATES the FAIR CREDIT REPORTING ACT. These companies policy do not supersede Federal Law. I am demanding these charge offs be UPDATED to PAID AS AGREED with a {$0.00} balance and a DELETION of all negative information be submitted to the credit reporting agencies immediately to prevent my consumer credit reputation from receiving further harm.
Complaint sub-issue: Debt is not yours

I complained about this item on my credit file to equifax and I was mailed a quick response dated XX/XX/XXXX. It is no way that investigation was completed in that length of time. This item XXXX/XXXX   was originated from a apartment complex, in XX/XX/XXXX. The item should be removed from my credit file based on length of time, but instead it is bought and sold, staying on my credit file as a negative item, this item does not belong to me.
Complaint sub-issue: Old information reappears or never goes away

XXXX XXXX XXXX is changing old information about account as if they are new account. I had a fraudulent account that was investigated and I filed a police report on and it was blocked due do the investigation. XXXX XXXX XXXX has change the original date, loan amount and account number with XXXX, Exquifax, and XXXX. XXXX XXXX may have sold or sharing the account with XXXX. I believe this is against the law under fair credit report act.
Complaint sub-issue: Account status incorrect

I settled my account with Conns. Its two months later and they are still reporting late payments to the credit bureaus. I disputed the information with Conns and they removed the marks from XXXX  but they still reported another late payment to XXXX  and XXXX. It is my understanding that Conns is required to submit corrected information to all XXXX credit bureaus.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I have called the credit card company on XXXX/XXXX/XXXX and filed a dispute for a charge on my statement for the amount of {$130.00}. A temporary credit for the amount was received on the same day. 

On XXXX/XXXX/XXXX I noticed the credit has been reversed on XXXX/XXXX/XXXX implying that an investigation has been resolved against me. I called the dispute department and was told that they will email me to the record on file and send a physical letter to my address to properly advise me how to continue. 

He had also advised me to review the rebuttal letter they have received from the merchant online and I did. 

On XXXX/XXXX/XXXX I called the dispute department again since no email or letter has been received. The female agent I spoke to said she will ask them to send the letter again. I asked her if there was a limitation on time she said the deadline is XXXX/XXXX/XXXX and I should have plenty of time to respond. 

I asked if the letter can be sent to me by email she said yes. 

On XXXX/XXXX/XXXX I called the dispute department again to verify the email address on fie since nothing was received since my last call. 

I spoke to another female representative who told me for the first time the deadline to submit additional document for continuation was XXXX XXXX, XXXX XXXX 3 days before I 've learned about the credit reversal XXXX there was nothing they can do to continue the dispute. 

I did not feel that they have treated me fairly as an individual consumer. The merchant has distorted the story but I did not get a chance to state my side of the story.
Complaint sub-issue: Debt is not yours

I was contacted on XX/XX/2020 from EOS CCA about a debt in the amount of {$2400.00} from XXXX XXXX. This account was closed and charged off 3 years ago. I no longer owe this debt. I have contacted them to provide documentation of this debt from the original creditor and have not been provided the detailed documentation of this debt so far.
Complaint sub-issue: Problem with rewards from credit card

I have had credit card number ending in XXXX for many years. Recently the bank contacted me based on suspected fraudulent activity on the card. They handled this appropriately and advised they would need to issue me a new card due to the suspected fraud. The problem is that I had over XXXX loyalty point on that card which have now disappeared with the issuance of a new card and nothing has been done to let me keep these points.
Complaint sub-issue: Having problems with customer service

MOHELA continues to cancel my autopay ( 3 times now ), which increases my interest rate 0.25 %. They claim that my bank issues a stop notice after the autopay has been drafted. My bank has no record of these " notices '' claimed by MOHELA, and MOHELA has refused to provide proof of the claimed notices. Again I continue to pay from the same account on single payments with no issue after my autopay is cancelled, and the next month my autopay works after I re-signup for autopay which is then cancelled after payment.
Complaint sub-issue: Information belongs to someone else

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX XXXX {$280000.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$3300.00} XXXX XXXX {$1300.00} XXXX XXXX {$930.00} XXXX XXXX  XXXX XXXX {$4600.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$140000.00} XXXX  XXXX XXXX {$5400.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00}
Complaint sub-issue: Problem using a debit or ATM card

I attempted to clarify a technical issue using my debit card to make a purchase from Farfetch.com on XX/XX/XXXX in the amount of {$890.00}, the live chat rep by the name of XXXX stated my account does not have sufficient funds as of today, XX/XX/XXXX, transaction was authorized on XX/XX/XXXX when account had sufficient funds.. The account showed a pending charge in the said amount, {$890.00}, from XXXX on XX/XX/XXXX. However, I received an email from the merchant today stating order was cancelled for security reasons, their rep stated there is no block on their end and after looking into it further, Citibank declined it for whatever reason ... I suspect it was decined due to high amount, location of merchant, and or past fraud charges from another merchant which I reported recently and prior debit card ending in XXXX was closed out.. XXXX did not understand what I was explaining, the account was authorized, account had sufficient funds to cover it on XX/XX/XXXX, it was cancelled by Citibank..It appears to be a technical issue or Citibank flagged it because of amount and or location of merchant..As stated before, I attempted to clarify this but the live chat rep did not understand.
Complaint sub-issue: Seized or attempted to seize your property

I've received several notices from XXXX XXXX for accounts that have been in default due my failing health. 

XXXX bought debts from a XXXX cards and entered judgments against me XXXX  XXXX - which was dismissed XXXX XXXX XXXX - Entered in the amount of {$5300.00} CITI Bank- Which was entered which they are now trying to garnish wages from a Job I no longer work at. and I am paying the debtor directly
Complaint sub-issue: Reporting company used your report improperly

I was told that my credit was accessed via a soft inquiry but I never authorized any inquiry to my credit.
Complaint sub-issue: Was not notified of investigation status or results

XX/XX/2021 I filed disputes with the all 3 bureaus and now it almost two months later and NOTHING!!!!! ... The disputes were for XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX. WHy is this taking so long to fix their mistake in reporting. I know they are supposed to send me response within 30 days and it been way over 30 days. I want this fix
Complaint sub-issue: Their investigation did not fix an error on your report

several problems listed above, not just failing to abide by 30 day timeframe. Not just bureaus, but creditors as well.. XXXX for ex, 60 days out from my last dispute, claims ftc fcdpa laws dont exist. furthermore XXXX XXXX initiated contact on my behalf nine months ago on that account. account remains " confirmed '' ... I have several accounts where merchants are claiming debt where none is owed, or someone else owes the debt and the creditor refuses to close the account or corrrect the info and keeps putting the account in collections or reselling it ( XXXX ). I have others in violations of cardholder agreements. All burueaus are playing XXXX XXXX " confirmed '' with lexis nexis and buying the data back from them later on. disputed debts can not be collected. debts filed under chXXXX can not be collected when attorney is on retainer. yet nobody seems to care, makes claim they werent contacted by upright law ( con artist or not, they are bankruptcy atty ). such actions are not required, the mere hiring of a lawyer on retainer is sufficient. Bureaus are inconsistent with updating each other when debts are deleted. XXXX XXXX refused to assist with this. bureaus contacted multiple times about this and all im getting are " verified '' XXXX letters.I have factually no data sent to me as to what and how, as required by law debts were verified. No email, no phone calls, no letters. I am repeatedly have my information updated where I have never lived, and then blood type required multiple times to get access to my credit file just to file a dispute when I havent moved. This has been going on for several months repeatedly when I dispute data. I have never lived in PA. My files show that I have and that I have a mortgage. This is incorrect.
Complaint sub-issue: Information belongs to someone else

LOOKING TO BUY A NEW HOME WHEN THE BANK INFO ME OF ACCOUNTS ON MY PROFILE THAT MAYBE DO TO FRAUD
Complaint sub-issue: Reporting company used your report improperly

MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE ( FCRA ) DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! Enhanced Recovery Company , LLC violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), 15 usc 1681e ( b ), and 15 usc 6801 ( a ) ( 1 ).
Complaint sub-issue: No notice of investigation status/result

I sent in a multiple inquiry removal letter on XX/XX/2017 in regards to XXXX hard inquires that are being reported on my credit report, they received the letter ( certified ) on XX/XX/2017 and they completed the request on XX/XX/2017. The XXXX hard inquires are not factual and I received the same response for ALL inquires, which was " Inquires are a factual record of file access. If you believe this was unauthorized, please contact creditor. According to FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states, that any information can be disputed and MUST be investigated. The fact that it took 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. Therefore I 'm submitting this complaint due to lack of investigation into my original dispute for hard inquiries that do not belong to me. I did not sign for anything.
Complaint sub-issue: Was not notified of investigation status or results

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Complaint sub-issue: Information belongs to someone else

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible
Complaint sub-issue: Reporting company used your report improperly

My personally identifiable information was obtained from Equifax by an unauthorized third party. As a result the security of my identity will forevermore be in question. Additionally, this incident will cost me both time and money while I attempt to take the proper precautions to reduce my likelihood of becoming a victim of identity theft.
Complaint sub-issue: Investigation took more than 30 days

In accordance with the Fair Credit Reporting Act ; XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have rights 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.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they received my disputes.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Complaint sub-issue: Can't close your account

I have attempted to close my credit card account as my annual fee is hitting. ( I got an email with my statement. ) When I go to log into my account online, I log in, but I cant access my credit cards at all. Even if i wanted to make a payment its not even possible. I also called the number on the back of my credit card ( s ) [ I have 2 with Citi ], and when verifying by phone number or social security number, they dont recognize me at all? 
I haven't changed my phone number at all since I've had any account with Citi, and I see no reason they wouldn't be able to see which credit cards I have by my social security number. 
Also when trying to get a hold of a representative through their automated phone service, I get the reply '' I'm sorry were currently experiencing extremely high call volume ... '' and immediatly get hung up on with no callback option or anything. 

What am I supposed to do? I want to close all of my accounts with citi at this point. 

From the email that shows my balance It has the option to view statement ... I cant even access that when i try to log in either. 
Statement date : XX/XX/2020 Payment Due Date : Saturday, XX/XX/2020 XX/XX/2020
Complaint sub-issue: Debt is not mine

I found a collection on XXXX of my credit reports. I asked the credit agency to verify the information and they said they did. It is a XXXX bill outstanding from an account opened in 2009 in a city I did n't live in, with a different last name than mine as well as a different SS number. I called XXXX and asked them use my name and SS and they did n't have any records of any accounts or outstanding bills. Into the picture comes Enhanced Recovery Company ( ERC ). They have been VERY difficult to work with. I 've repeatedly called them and was told to send in by email and mail documents ( drivers license, SS # and copy of credit report ). I 've done all of the above to no avail. I can not get any response or action on their part. Every time I call I am passed on to a " manager '' who still can not help me or find any of my information that I provided at their request. I have read so many terrible reviews of ERC that I 've decided to go down this path for some help. Thank you.
Complaint sub-issue: Information belongs to someone else

Hard inquiries on my credit report that should not be on there are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The data breach really affected me and my credit score. I did not apply for a car loan at those places mentioned above for i am not XXXX and have not been XXXX. The incorrect information on my credit report has my credit score below where it suppose to be.
Complaint sub-issue: Other problem getting your report or credit score

Equifax said I have nothing on my file. Even asked me if I have credit. XXXX years old have never had a problem getting credit pulled up. They told me to send identification documents which I did they said would take 48 hours still have no file. They seem to not be able to tell me why I have nothing in my file. Told me to resend documents. They have no answers for me why I dont have any record of credit and what will happen when I give them the identity documents.
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted Equifax by Mail for the months of XX/XX/2021, XX/XX/2021 and XX/XX/2021 about XXXX XXXX account with a balance of {$64.00}. This balance is reporting incorrectly and Equifax continues to verify this as accurate.
Complaint sub-issue: Account information incorrect

My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached documents and ID as it contains my full complaint and request
Complaint sub-issue: Problem using a debit or ATM card

On XX/XX/2013 I deposited {$1600.00} cash into a drive-thru ATM at Citibank after depositing the money I receive The receipt stating technical difficulties can not withdraw money I was confused I just deposit cash? I went into the bank to talk to gave me an 800 number to call that was on the receipt, that I received l, after depositing the money i mentioning to the teller that I deposit cash and I need the money to be credited due to bills and other financial obligations I was told I need to file a dispute and I will be credited  once they do an investigation up to 45 days I looked on XXXX and I found out this ATM machine had same issues with other clients it's an ongoing problem, from other customers if you do the reviews this is not a first time occurrence The machine will not give you money but it would take money or would not record money and we have to wait 45 days for Citibank to do an investigation before we get credit to our account, I spoke to the manager where in fact he said he can not do anything, and this is the way the neighborhood is and that's that???? this caused a lot of inconvenience a lot of heartache a lot of pain and suffering due to bills need to be paid, please help me with this  situation other people have had the same issue, I am without money and they won't fix the ATM machine. ( drive-thru )
Complaint sub-issue: Debt is not yours

Date- XX/XX/2021 amounts- {$70.00} actions that were taken by you or the company- Company has sent multiple letters requesting payment in response to money owed from XXXX. ( which is non-existent debt after speaking with XXXX  customer service )
Complaint sub-issue: Account status incorrect

I have a situation where XXXX XXXX is reporting on my credit for a transaction that was cancelled. This transaction is now reporting on my credit and hurting me both financially and personally. I have been writing XXXX XXXX for years now and they continue to report this account while in dispute and their intent is to hurt and damage my credit reputation. 
At this point I am in correspondence with an FCRA to look at how the bureaus handled this investigation and he will investigate XXXX XXXX XXXX process into this issue. This is an account that was charged interest and fees for a cancelled transaction. This is a disputed inaccurate account that is on my credit and needs to be removed. This is an violation of several laws including section 1681 ( i ) ( a ). There needs to be a reasonable investigation into this dispute matter AND its the bureaus responsibility to go beyond the original source. 
Please see attached information.