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

Reference Number from Citibank : XXXX In XXXX, 2018, I purchased a window blind on the XXXX XXXX website. The blind was listed in error for {$1.00}. After several weeks had passed, I did not receive the blind. I chatted online with XXXX, and they said the order had been cancelled due to the mistake. I asked them, how can they, let the order go through and debit my account for the price of the blind and then cancel the order more than a week later without my permission or notification. They agreed that it was handled incorrectly, and they would honor the {$1.00} price, because it was their error. They instructed me to reorder the blind, notify them with the confirmation code when the order was complete, and they would reimburse me the difference ( See enclosed text message ). 

So, on XX/XX/2018, XXXX debited my Citibank card ending in XXXX for {$170.00}. Eventually they credited me only {$24.00} and not the {$150.00} they originally promised. I would like to be credited the remaining difference of {$120.00}, which I was promised in writing by XXXX XXXX. I tried reaching out to them to correct the error and they refuse to do anything more. 

I was appalled at how Citibank Customer Service handled my dispute. When I originally filed my dispute, I provided Citibank with all the correspondence to resolve this problem. At the time I was getting ready to leave the country for the summer and informed the Client Care Specialist that I would not have access to a phone or my mail, was there anything else I needed to provide them with? I was told no. I also said usually you send a dispute letter to the house, would I have to worry about responding to that as well and the Specialist said, a letter would not be sent because I had furnished them with all the information they needed and that it would be simple dispute to resolve due to the written promise to reimburse by XXXX XXXX. 

I even attempted to re-open the dispute on XX/XX/XXXX ( Letter attached ). 

When I arrived home after my trip, there was a letter requesting more information from Citibank waiting for me. I then called to check the status of my dispute and to ask why a letter was send despite my being told they would not send a letter and yet they did. I was told that, they didnt know anything about a letter not going out and the dispute was closed, due to lack of information. 

Prior to leaving on my trip and when I first initiated the dispute, I faxed Citibank and they received, a detail timeline and all the chat screen shots of the conversation between XXXX XXXX and myself. I was told that all this information I sent, was more than adequate to resolve the dispute. The new Client care rep, said she reopened the dispute, I resent everything AGAIN, and waited, only to be told weeks later that this dispute was finally closed and there was nothing that could be done about it. She suggested I write to Client Relations ( which I did ) to complain on how the dispute was handled and hopefully Citibank might resolve this situation.
Complaint sub-issue: Trouble with how payments are being handled

My loan was purchased by XXXX, the operational division of Nelnet. My payment was previously {$310.00}. They more than tripled it and put it on auto debit without my permission.
Complaint sub-issue: Debt resulted from identity theft

I 'm a victim of identity theft and someone open lots account in my name and I do n't no any thing about this account.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Today ( XX/XX/2020 ) I have attempted to apply for a student loan from XXXX XXXX loans with a cosigner. They rejected my application due to unspecified credit reasons by Equifax. Subsequently I tried contacting the customer service number to Equifax provided to me. I have called the customer service number multiples times to reach an agent. However, despite having answered all of the identity confirmation questions, and calling during the proper times, they have refused to allow me to speak with an agent. They make it extremely difficult to contact support outside of automated responses and will not give me more information as to why I can not apply to loans with a cosigner. I'm at a loss as to what to do. I'm a low income college student at risk of dropping out because of the amount of stress I've been going through trying to finance my education. Equifax has left me with a bitter taste by not being available and helpful to me in this time of need.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Account terms

I have disputed and sent copies of paid in full information to Equifax / XXXX and XXXX showing proof of payment, and all companies with the exception of Equifax has updated there records. I have been attempting to reach them to get this reported correctly for several months to no avail each time I make an attempt, I get an offshore rep from another country I can hardly understand and nothing gets done. I 'm needing them to please correct this information..
Complaint sub-issue: Debt is not yours

I mailed out Dispute letters about the debt and all the other wrong info on my credit report
Complaint sub-issue: Account information incorrect

DISPUTE WITH-XXXX XXXX XXXX XXXX, XXXX. 
*AUTO* I had a XXXX XXXX XXXX and was financed through XXXX XXXX  . 
I had my XXXX for almost over two years with no missed payments and a few late payments. I was scammed and reported the scam to the police, to all three creditors and all accounts that i thought may have been affected. 

One morning i was leaving out for work and my vehicle was gone. I missed work and pay for a week behind this issue. The first thing i did was call the police thinking it may have  been stolen, next i called XXXX and indeed XXXX came and took the vehicle with no notice or explanation they simply stated that the months payment was not recieved and they can take the vehicle because it is theirs. I disputed with them that all payments are up to date and if you see my credit report i have all green OK 's up to that month. They did not call me, no missed calls, no missed voice messages, no mail through USPS NOTHING just came and got my vehicle. So now they are trying to say i owe them {$9900.00} and you can tell they have done something incorrect because now they took the payment histories off of all of my credit reports. I called them and written them and asked them several times to send me a complete statement, and a break down of all payment histories from the first transaction until the last transaction and they were rude and have not sent anything. I want this {$9900.00} taken off of my credit reports and etc and they are refusing. Please help me with this issue.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of. Today on XX/XX/XXXX, I contacted XXXX via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now. I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ).
Complaint sub-issue: Frequent or repeated calls

For the last 6 days starting on XXXX XXXX they called 6 times, XX/XX/XXXX XXXX, XX/XX/XXXX 6 times, XX/XX/XXXX 6 times, XX/XX/XXXX 6 times, XX/XX/XXXX 5 times demanding payment on furniture account. We have repeatedly asked them to quit calling us so many times a day. Told them that what they are doing is harassment and intimidation. They keep asking when we can pay and I keep repeating when I have the money even though It never goes a month overdue. The payment is due the XXXX of the month and if not paid by then the harassing phone calls start. Most if not all the calls are from foreign call center mainly XXXX.
Complaint sub-issue: Account information incorrect

I have attached two accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus.
Complaint sub-issue: Account status incorrect

I recently got an alert from XXXX on the XX/XX/XXXX that MONEYLION flagged my account or marked as charged off with this particular loan account which I hav never took out. The date of the said loan was on XX/XX/XXXX. The loan was cancelled already. I cancelled immediately when I applied for that. The customer service on chat even confirmed me that indeed the loan was cancelled l. It shows a balance if {$150.00}. I filed a dispute already but according to their credit report dispute department the credit report was accurate. It doesn't make any since there was actually no existing loan and it has been voided. It lowered my credit score for more than 25 points. I filed a dispute from XXXX as well.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right tp privacy.

15 U.S.C 681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C1 681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

On XX/XX/XXXX I recieved a notification that my credit had been pulled. I immediately called the company and they verified that my social security was used for an application that did not match my name or my phone number. They told me they would remove it but they have not done so as of XX/XX/XXXX. I dont know how they allowed an application to go through when it had my social and another person 's name, when asked for my tried to verify me as the applicant they asked for my middle name, but I dont have one, the phone number listed also was not mine. This company has terrible security issues if it allows such things to happen.
Complaint sub-issue: Reporting company used your report improperly

Equifax negligently allowed my personal credit data to be obtained by third parties.
Complaint sub-issue: Problem with personal statement of dispute

Two ( 2 ) years ago today, XX/XX/XXXX, LexisNexis accessed my credit report which was under Initial Fraud Alert due to report of ID Theft on XXXX XXXX XXXX for XXXX XXXX XXXX. 

XX/XX/XXXX XXXX XXXX XXXX, XXXX sent correspondence to me based on XXXX  credit report sent to XXXX XXXX XXXX. 

XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX sent correspondence to me stating " we are unable to authenticate you on information we received '' -- different Consumer #, different Case # ; but sent to me and my address of record since XX/XX/XXXX exclusively. 

Keeping it simple here and starting @ the beginning since it disappears from credit reports tomorrow. If an American consumer, who is an Identity Theft victim, can not be authenticated by a company who is in the fraud detection and identity verification business? What possibility do you think exists for " contacting and working with this company? '' By the way, XXXX XXXX XXXX , XXXX is NOT accredited by XXXX ( XXXX XXXX XXXX ) see attached five ( 5 ) documents.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

To whom it may concern My name is XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature. I formally request that these fraudulent inquires be immediately deleted from the credit file that you maintain under my social security number. While checking my most recent credit report I noticed several credit inquiries that I did not authorize, made by the following companies listed below. I am writing to provide proof of me filing an FTC and a CFPB complaint in order to have all inquiries removed from my credit Report due to fraud. I have listed all accounts below. They were placed on my credit report starting dates on XX/XX/XXXX and XXXXXXXX XXXX with some duplicates on the same dates. I thank you in advance for your cooperation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX BANK XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

The Mortgage servicing company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX NMLS ID XXXX XXXX The loan number is XXXX My name is XXXX XXXX I never requested to be signed up for forbearance plan, I only acquire for the program. I have been paying all my payments on time. I have messaged on their website a several times, no response. I have called them after several attempts finally was able to get hold of a person who was overwhelmed and impatient.She will stated will note my account and I should receive a letter within 30 days which I have not received. 
Their negative status of my mortgage will prohibit me from a future refinance or a new loan. 
i would appreciate your help.
Complaint sub-issue: Information belongs to someone else

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THESE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THESE INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Complaint sub-issue: Their investigation did not fix an error on your report

I had a loan with XXXX and even after I lost my job as of XX/XX/XXXX and still was making my payments on time to them and there were no late payments during this time at all even though they reported me late several times and still are with regards to my 3 credit reports. 

The vehicle was totaled as of XX/XX/XXXX and XXXX received a payment from XXXX XXXX XXXX in the amount of {$16.00}, XXXX. The balance on my credit reports needs to be updated to reflect {$0.00} ASAP along with all the points returned to me that I lost as a result of the derogatory info. being reported and affecting me negatively. 

XXXX is also currently under investigation with XXXX regarding this matter as well and I have not heard anything from XXXX regarding this matter or the check that was received as a result of this matter the case number is XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting act XXXX Account # XXXX kickoff, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Was not notified of investigation status or results

Set an letter and I havent gotten a response. They are violating FCRA USC 15 1681 G and they have not responded to me and its been over 30 days. Please remove This in accurate information from my credit report
Complaint sub-issue: Investigation took more than 30 days

XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Problem lowering your monthly payments

Sallie Mae XXXX XXXX taken on XXXX/XXXX/XXXX - {$18000.00} balance as of XXXX/XXXX/XXXX Loan taken on XXXX/XXXX/XXXX - {$15000.00} balance as of XXXX/XXXX/XXXX Loan taken on XXXX/XXXX/XXXX - {$16000.00} balance as of XXXX/XXXX/XXXX Loan taken on XXXX/XXXX/XXXX - {$16000.00} balance as of XXXX/XXXX/XXXX I feel that Sallie Mae, along with their partner XXXX routinely engage in unfair, deceptive, and illegal practices I am the primary borrower and my mother is the co-signer. We strongly feel that Sallie Mae mis-represented themselves and had us believe that they were a federal student loan servicer and at the end of graduation, we find out that all of my son 's Sallie Mae loans were private which leaves us in terrible debt along with other federal loans that he also has to pay. 

We are currently in forbearance that will end in early XXXX. According to Sallie Mae, you are put in delinquency after the forbearance period if you can not start paying your regularly scheduled amounts. This is just horrendous not only for me who literally do not make enough in my first job out of college to be able to pay these loans back, but for my parent as well. 

I am also currently also paying other loans. I need Sallie Mae to work with me according to what my currently salary so I can at least start paying back what I can afford to pay back. I 've been told my Sallie Mae that I literally have to be delinquent first, which will ultimately affect my credit, as I 'm just starting out in the corporate world. What are my chances of success if I have to stress so about this currently situation. This is really tough and unfair and clearly I was completely taken off guard when I found out these were all private loans when all along we thought they were federal and under XXXX. 

We need alot of help with this student loan crisis which not only affects me, but includes millions of other young people.
Complaint sub-issue: Debt is not yours

I have never been a tenant at XXXX XXXX or Carter-Young.  The account and debt collection does not belong to me. This has been on my credit report since XXXX and Ive been disputing it ever since. This false debt collection has hindered me from being able to get an apartment in XXXX.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/XXXX I sent a letter to XXXX, XXXX, and Equifax asking them to verify several accounts and unauthorized inquiries on my credit report by providing an original contract or other document with my signature that would prove ownership of the accounts. I requested that if they could not verify those accounts with a signed document, that they should remove them from my credit report immediately. It has been 30 days and I have not received any correspondence in relation to my letters indicating that an investigation has begun or that the accounts have been verified. I sent another letter on XX/XX/XXXX informing them that I had not received a response and that I required a response immediately. Their reporting of unverified reports is hurting my ability as a consumer to qualify for certain credit and housing applications. I have attached the aforementioned letters for reference.
Complaint sub-issue: Account information incorrect

Contacted equifax on 2 occasions. Each time the account I want to dispute is unavailable to dispute. However the same account is correctly reflected on other 2 major credit reporting agencys. 

XXXX XXXX account shows active with balance, however has been paid off for nearly 6 mos. I can not believe equifax is even used when their data is soo outdated.