Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I faxed documents to XXXX and am writing because my credit report is not accurate, I have attached my birth certificate, ssn,  and a recent police report number from a incident in which I was almost killed, but thankfully Im still alive. Your records have revealed to companies Im deceased and this is untrue. 
Under Missouri state law I am also entitled to one free report a year if you are unemployed and plan to look for a job within 60 days, you are on welfare, or your report is inaccurate because of fraud. I have a right to bring civil action against anyone, including a consumer credit reporting agency, who improperly obtains access to a file, knowingly misuses file data, or fails to correct inaccurate file data. 
As you are aware I have made numerous attempts to get you to correct my credit report. Your records stating Im deceased has caused a delay in income tax services, among other things and has harmed me severely financially.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX  refuse to remove fraudulent accounts from profile even after I have disputed it several times and supplied a police report.
Complaint sub-issue: Can't use card to make purchases

Saying that it will not allow me to connect my account the to the app
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I purchased as replacement for a lost XXXX XXXX XXXX XXXX XXXX earring on XXXX pair advertised as the same ( see attached ). Upon receipt, it was immediately obvious the earrings I bought from the seller were fakes. I contacted XXXX XXXX Corporate ( " XXXX '' ) who confirmed that the seller was unauthorized to sell authentic XXXX XXXX ( see attached ). XXXX 's policy is to return the purchased item to the seller, but as a practicing lawyer I can not because knowingly transporting fake or counterfeit items through the mail is a felony. I contacted XXXX XXXX ( " XXXX '' ) fraud department to report the purchase and they provided a provisional credit. I completed their application ( see attached ). First they claimed they never got it but retracted that lie when I showed the 22 page fax confirm as proof I indeed completed the application and did so on time. The fraud dept. next insisted that I provide additional " proof '' that the earrings were fake. At law, proofing a negative is impossible. XXXX knew that XXXX does not authenticate items and that XXXX authorized dealers are forbidden by their insurance carriers to provide documents stating that items are counterfeit or fake due to liability. So XXXX knew or should have known that the additional and unnecessary proof was impossible. They already had sufficient proof as follows : 1 ) the fake earrings in the pictures are OBVIOUS fakes, not even a good copy side by side with the authentic earrings ; 2 ) XXXX XXXX XXXX stated that the seller was unauthorized to sell XXXX jewelry ; 3 ) XXXX stated it would provide a refund without argument 4 ) XXXX suspended the seller and 5 ) most importantly, my history with Peoples XXXX Bank over 30 years as an attorney with a business account and personal account ( s ), this was my only report of fraud ever. Nevertheless XXXX delayed a permanent credit until XXXX withdrew the refund offer because I missed the deadline trying to full the impossible demands made by XXXX who already knew I could not fulfill the demands. Peoples XXXX Bank, despite our long term relationship, did nothing to advocate except " kick the can '' and pass the request back to XXXX to reopen the case. So XXXX reopened the case. Even so, WHILE THE CASE WAS REOPENED, XXXX charged me {$80.00} in " late fees ''. ( see attached ), a disgusting swine move! XXXX is hostile to customers not helpful and XXXX has knowingly aided and abetted XXXX and the preditory seller in perpetrating fraud and selling fake jewelry. This is evidenced by XXXX 's latest letter denying me a credit on my card when ; they were provided pages of proof that any court of law would accept as evidence. And believe me I shall file suit in court against XXXX. XXXX is as dirty as XXXX and the seller. As an addendum, I'm happy to learn that Peoples XXXX was purchased by XXXX XXXX XXXX XXXX  and that most of the corporate waste of space executives, including the president, XXXX XXXX, who did not advocate for a thirty year customer are being FIRED and replace by XXXX XXXX XXXX XXXX  employees. Just desserts!
Complaint sub-issue: Attempted to collect wrong amount

I have received nothing but the run around with this company. On my credit report it shows 0 % of my balance paid on this auto loan. No one is trying to work with me on getting this resolved. I paid over XXXX on this car. I want to know if this car was sold and for how much.
Complaint sub-issue: Trouble with how payments are handled

I have been making additional payments through Nelnet 's Auto-Debit function to get the .25 % interest rate discount for the last couple of years. On top of my scheduled auto-debit payments, I make additional payments of about {$500.00} a month and I specify I want these extra payments applied directly to my loan with the highest interest rate. I recently noticed that for the last 8 months, Nelnet has chosen to apply my auto-debit payment to all my loans except the one with the highest interest rate. I called Nelnet to figure out what was going on and I was informed the the auto-debit function has an automatic trigger that when one of your loans gets paid down too far ahead of schedule, they stop applying payments to that loan group. Nowhere on their website or auto-debit form does nelnet reveal this information, in fact, they maintain that all payments are applied evenly among your loans unless you specify otherwise. I believe Nelnet is using this " glitch '' to maximize on the amount of interest students pay on their loans by prolonging their repayment, therefore, effectively applying a pre-payment penalty on government loans that are supposed to be protected from such penalties.
Complaint sub-issue: Didn't receive notice of right to dispute

I sent I C Systems a debt validation letter on XX/XX/XXXX requesting that they send validation to me, they received the letter in XX/XX/2020 and to date did not respond. this collection account was on my credit report under a different collection agency before who I disputed and was able to get it removed from my credit reports, that previous collection agency had my current address because I was communicating with them and got the account removed, in XXXX I see I C Systems reporting the SAME DEBT TO MY CREDIT REPORT. I did not get a notice of the debt in the mail and i know they have my current address because they bought the debt from the previous collection agency and that agency would have given them all information they had to verify me AND the debt and for them to communicate with me, but I C Systems failed to do that. I sent them a debt validation letter, remind you I had to get their address from the listing on my credit reports NOT from them which is a shame, its been a month since they received my letter and to date I still have no response, no validation absolutely NOTHING! I cant even go on their website to see the account information because I dont have the full account number which I would have to get from them, I shouldnt have to call them, they are a debt collector they arent on my side and will try to tie me to a debt they dont even know I owe and neither do I. I want this account removed from both my XXXX  and XXXX  credit reports immediately
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 XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX Balance : {$880.00}, XXXX XXXX Balance : {$3000.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$230.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$610.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$500.00}.
Complaint sub-issue: Didn't receive advertised or promotional terms

Citi Double Cash Card - Denial of promotional offer after meeting eligibility requirement : XX/XX/XXXX - An application was submitted in citibank.com ( Application ID # XXXX ) applying for the Citi Double Cash Card with a promotional offer of {$150.00} to be credited to the account on the condition that {$500.00} is charged within the first 3 months after activation of the card. 

XX/XX/XXXX - application is approved. 

XX/XX/XXXX - {$1000.00} is charged to the card. 

XX/XX/XXXX - I contacted the Citibank Customer Service team and was informed the promotional offer was not on my account. I was told I had to prove I used the correct link when applying. I explained I had no way of proving that and can not control that advertising links are correctly linked on their network. I filed a complaint to be internally reviewed and processed adamantly explaining the offer was on the citibank page when clicked. 

XX/XX/XXXX, Citibank sent a letter stating the account is not enrolled in the offer to receive the {$150.00} cash bank promotion and it states I did not apply using the correct link. 

XX/XX/XXXX - I called Customer Service again and was forwarded to a manager who explained I can file another complaint internally but would not get any different results. She explained Citibank would just mail me the same letter. 

I also wish to add that I have no credit card debt whatsoever along with a very high credit score, and am solely filing this complaint as a matter of principle. I feel defrauded entering into a contract with the promise of an award never realized. Consumers have no ability to control the advertising links on these offers as they are directed onto the Citibank network and are easily subject to fraud. Citibank makes no apology and shockingly asks consumers to provide information about their own network - clearly outside the control of the consumer.
Complaint sub-issue: Their investigation did not fix an error on your report

MS SERVICES IS REPORTING INCORRECT INFORMATION... IVE NEVER RECEIVED ANY BILLS FOR THIS OR NOTIFICATION. THIS INFORMATION WAS DELETED FROM MY OTHER CREDIT REPORTS AND I WANT IT REMOVED FROM MY XXXX REPORT!!! IVE TRIED SEVERAL TIMES NOW DISPUTING IT WITH PROOF AND STILL WON'T REMOVE IT.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX place made me a Loan in XX/XX/XXXX the payments were set up to be deducted automatically with my permission by XXXX. The money was always available but in XXXX the company reported we were delinquent and continue to report 60 to 90 delinquencies we questioned this with the company and in XXXX we learned XXXX was not licensed to do business in Alabama from your Attorney Generals Office. 
This incorrect and negative reporting continues to impact my credit reports During the initial complaint Alabamas Attorney General was not able to contact XXXX all correspondence were returned undeliverable. 
If XXXX was taking out the payments how could they be delinquent.
Complaint sub-issue: Account status

I filed a dispute with Equifax and asked that a trade line account for XXXX XXXX XXXX be removed from my credit report that is was inaccurate, last payment on the account was made in 2000, the account was closed and no longer being reported to the credit bureaus by XXXX XXXX XXXX. To date Equifax is refusing to remove this trade line from my credit profile with full knowledge the account in question is in good standing PAID, NEVER LATE and the last payment on the account was more than 16 years ago. Equifax is refusing to disclose how this account is affecting my credit score.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

The company lending club is reporting on my credit report and I can not get a loan or any type of job and he is affecting my life my credit report is being affected very badlyMy mother get approved for a loan and I was on a cosigner and she filed for bankruptcy and I am not in bankruptcy my name is XXXX XXXX But even though that it is in bankruptcy they still have it on my credit report
Complaint sub-issue: Debt resulted from identity theft

My social security number was stolen to open accounts in my name. The account from Enhanced Recovery resulted from ID Theft.
Complaint sub-issue: Information belongs to someone else

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there ae several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX XXXX XXXX {$76000.00} XXXX  XXXX {$1500.00} XXXX XXXX  XXXX {$66000.00} XXXX XXXX   XXXX {$20000.00} XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX {$230.00} XXXX XXXX XXXX {$37000.00} XXXX XXXX XXXX XXXXXXXX {$49000.00} XXXX XXXX XXXX   XXXX {$87000.00} XXXX XXXX  XXXX {$64000.00}
Complaint sub-issue: Trouble with how payments are being handled

I am the parent of XXXX active college students and XXXX recently graduated college student. My sons have used " South Carolina XXXX XXXX '' website to get loans that are serviced by Firstmark services. Firstmark services has repeatedly misapplied payments I have made to the various loans my XXXX sons have with them, in some cases applying it to different accounts than what was submitted on the checks sent to them from XXXX XXXX XXXX. I am filing this complaint since this is as at least the 10th time they have had issues correctly applying payments to the right accounts. This has resulted in errant late fees, multiple calls to me for " late '' payments, & multiple calls from myself & my sons to them to get fees waived, payments reapplied correctly & payments sent to correct the
Complaint sub-issue: Their investigation did not fix an error on your report

There's a XXXX XXXX account on my credit file in which it does not belong to me. I recently found out my old roommate had 3 cell phones in my name. I contacted XXXX and each credit bureau still nothing done about it. XXXX is aware. XXXX, Equifax and XXXX  should bot allow someone to report an account without a full investigation. I would like for this account to be removed from my credit file immediately.. I've requested copies of the signed agreement from both XXXX XXXX and each credit bureau and no one has provided me with that info but has this account on my credit file. This is not legal or right on all levels. I will contact an attorney on XXXX and the credit bureaus if its not removed
Complaint sub-issue: Reporting company used your report improperly

Theres a collection account on my consumer report that 1. isn't mine 2. Violates my rights .... I have reached over to the collector, and 3 bureaus to resolve this matter for about a year now and they've done nothing. 

in accordance with the Fair Credit Reporting Act XXXX  account # XXXX has violated my rights 15USC 1681 section 602A states I have a right to privacy .....

also 15USC 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instruction and/or approval
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX LATE PAYMENTS INVALID. 

XXXX XXXX DOES NOT BELONG TO ME. 

XXXX XXXX XXXX  XXXX DOES NOT BELONG TO ME. 

XXXX XXXX XXXX I XXXX DOES NOT BELONG TO ME. IDENTITY THEFT.
Complaint sub-issue: Debt was result of identity theft

My identity was apparently used fraudulently to obtain services and credit that I did not have knowledge of or authorize. I have not been contacted ever to apply for credit, authorize credit or discuss the credit by the company, bank or load provider or collections agency. Additionally, the only inquiry to my credit reports has been by collections agencies. The original vendors never made inquiry before granting fraudulent credit in my name. Yet, without any knowledge of these transactions or involvement with obtaining credit, the collections agencies add collections status to my report without contacting me in any fashion. Furthermore, the original collection agency was XXXX XXXX XXXX in XXXX. I disputed this in XXXX with XXXX It was removed. Now, another agency, MRS XXXX, is claiming the same debt ( same amount and same original creditor ) and will not remove the claim. I thought this practice was illegal. I want this to be removed once and for all.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXXXXXX DATE OPENED : XX/XX/2018 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

In XX/XX/2020, I disputed my account and the result was This creditor has verified that the date is being reported correctly. As a consequence, In XXXX I sent another letter requesting Method of Verification but they failed to provide the method verification. Kindly see both results attached.
Complaint sub-issue: Old information reappears or never goes away

Ive had an excellent credit score in excess of 750 for the last several years and somehow my credit score has dropped 94 points to the mid 650s with no explanation reflected on the report. I would like my credit score fixed. 

Thank you.
Complaint sub-issue: Their investigation did not fix an error on your report

Due to COVID-19, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. I tried contacting the XXXX credit bureau and told them that the bank agreed to not report the late payment account. I believe XXXX is violating FCRA Sections 611 and Cares Act. Below are the accounts with erroneous information and Id like to be remedied ASAP. XXXX XXXXXXXX Date Opened : XX/XX/18 Balance : {$4300.00}
Complaint sub-issue: Debt was paid

good afternoon, ive been asking for Validation of debt owed to XXXX XXXX XXXX  XXXX for a check that went to collection but has already been paid The Collection agency is XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, the following items are in violation of my rights. 

XXXX XXXX - Account Number XXXX XXXX XXXX - Account Number XXXX XXXX XXXX XXXX  - Account Number XXXX XXXX  - Account Number XXXX 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: Account status incorrect

I have 3 student loan accounts with Fed loans services, 2 student loans that were apparently transferred to XXXX XXXX XXXX XXXX an 1 transferred to XXXX XXXX. That are all paid and closed. But they are showing late payments on the accounts after they were paid and closed on XXXX. 2015. Also the time that the loans were showing late they were in Forbearance with the companies. Ive made several attempts to correct this issue when the accounts were open and even when they closed. The late payments and collections status are really affecting my credit reports on all my reports. I am left with no choice but to contact you for assistance with this matter.
Complaint sub-issue: Deposits and withdrawals

On Wednesday XX/XX/XXXX I received check # XXXX in the amount of {$1400.00} intomy checking account ending in XXXX. The check is from my employer XXXX XXXX. Citibank stated the check was fraudulent saying it look altered and XXXX XXXX  ( the account check drawn off of ) said it was not a good check. I called Citibank fraud department to inform the check is valid with the controller and ceo of XXXX on the phone. I was treated rudely and issue not resolved. I went in person on XX/XX/XXXX to talk to a personal banker for assistance and to prove my check is not fraudulent. I gave the company contact information and I asked them to verify the check. They are in the process of closing all my accounts and are telling me I have to wait 30-60days to get my funds. I have a rent payment and car note payment due. I am being treated unfairly
Complaint sub-issue: Problem getting your free annual credit report

I am in the process of fixing my credit but Equifax has totally blocked me from checking my report or reporting any errors on their site. XXXX XXXX is also blocking my free annual report as well as XXXX. I am unable to obtain my account numbers to properly dispute making it impossible to fix any errors on my report. I can not obtain my free annual report from all 3 of these sites.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. ( Inquiries ) -- - XXXX. XXXX - XX/XX/2021 Equifax / XXXX. XXXX - XX/XX/2021 Equifax / XXXX. XXXX XXXX XXXX  XX/XX/2021 XXXX / XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX  / XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 - XXXX / XXXX. XXXX XXXX XXXX XXXX XXXX XXXX / XXXX. XXXX - XXXX XXXX XXXX Equifax  / XXXX. XXXX - XXXX  - XX/XX/2021 Equifax / XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX  / XXXX. XXXX - XXXX XXXX XXXXXX/XX/2021 Equifax / XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2021 XXXX / XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX / -- 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: Their investigation did not fix an error on your report

Equifax has been non-compliant with removing the unverified account Chapter XXXX Bankruptcy Discharged Reference # : XXXX which has been deleted by XXXX  and XXXX. XXXX and XXXX  have both completed their research and determined that Chapter XXXX Bankruptcy Discharged was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.