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

Back in XXXX of 2021, I bought a XXXXXXXX XXXX XXXX XXXXXXXX. I had to send it back twice within 2 months of receiving it at a cost of around {$10.00} shipping each time. Every time, XXXX told me it was my fault for one reason or another but they would repair it and send a new unit. 

After the second time, I told XXXX to keep the XXXX  and just refund my money. They did not, they sent it back broken. 

I filed a dispute with Citi and gave them the reasons. No where on their dispute site was I able to forward emails of the communications with XXXX. I did not know they asked for additional information until after the time limit had passed when I logged in to make a monthly payment. They also did not provide the merchants response or send my any kind of prior notification by US mail or email about needing more info. The only email I received was from XXXX where they showed the tracking number where XXXX had returned the amplified. 

On another instance, I had an issue with XXXX phone service. Not sure what happened but my equipment quit working and I had no dial tone. I did not know XXXX kept charging me monthly fees for service I did not have. Citi refunded all the monthly charges except one month for the same reasons but somehow needed more information about the one month. Again, I was not notified. 

This seems to be a pattern of negligence on Citi 's behalf. They are not protecting the financial interest of their customers. 

You can do whatever, but I will be suing citi and MasterCard over this. 

Thank you!
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX, XXXX XXXX, DEPTEDXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, US DEPT ED, XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit.
Complaint sub-issue: Problem with personal statement of dispute

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX South Carolina, XXXX DOB : XX/XX/XXXX Last four Digits of my social : XXXX Dear Sir / Madam at Equifax, See enclosed Documents, in XX/XX/XXXX ; i paid off 3 high interest rate loans with XXXX XXXX XXXX. All 3 rates were over 20 %. I did this to qualify for a mortgage on a new piece of property. On XX/XX/XXXX you penalize me 42 points causing my home loan to be canceled. Then on XX/XX/XXXX you penalize me for using a credit card with a XXXX dollar credit limit. I only used 15.5 % of the total credit card limit. Earlier this year you allow some fly by night collection to go on my credit hurting my credit. The other two bureaus, my scores are all in the 700s, but with you people you have continually have hurt my credit and caused me aggravation, I want my scores reversed and put back where they belong in the 700s. Paying off loans, and paying on time means nothing anymore. 

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

On XXXX XXXX, 2017, ENHANCED RECOVERY COMPAN add a derogatory mark on my credit report per XXXX  and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA ENHANCED RECOVERY COMPAN has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Complaint sub-issue: Talked to a third-party about your debt

Today XX/XX/2019 at approximately XXXX XXXX a creditor, XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX called a reference that was provided on the loan application. The Creditor XXXX XXXX provided my reference with full details on my debt owed. He went into full details about the payment arrangements and the terms XXXX full dollar amount and dates ) we were discussing. I did not authorize the creditor to do such a thing. I'd like to know how to hold them accountable for doing this. I have been working with them to come up with a solution to the debt but had a flood in my house so didn't get back to them. It's only been a little over a week of not returning a call!!
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I don't even know where to begin. On my credit report there are 3 collection account. Two of the three I have paid off, even though they did not belong to me, and the third one I am disputing because it is the banks error. Since two have been paid by me why should the collections still be on my credit report?? WHY does the company still get to harm me if they have been paid?? I am SO DISGUSTED with the credit reporting system. Then the one I am disputing should not be on my credit report until the company reporting the collection and myself have come to an agreement on the account. WHY am I being punished for something that has not been resolved?? I have ALWAYS paid my bills on time or before they are due.I had a home mortgage and then paid the loan off after 8 months, but the credit reporting agencies took points away from my score. This make no sense at all. The companies that put the accounts in collection that I have paid got their money. WHY do they get to do me harm for the next 5 or 7 years or however long they stay on a report. It is hurting me financially. I am trying to buy a new car, but I can't because the interest rate is too high due to the collections. Also, when I have gone to look at cars the dealerships have been trying to get me approved with multiple lenders. Now I can't get a good interest rate or I have been completely denied a car loan because of the collections and they say I have too many inquiries on my report. The car dealerships are so desperate to sell a car that they put my info through multiple lenders. This is also not right. I have low credit usage, pay ALL my bills on time and my credit cards are paid in full every month. None of this is acceptable to me. I am sick and tired of hearing things like " oh well your fico score to purchase a car is different then a regular fico score ''. WHY is this allowed?? Do you realize how harmful this is to not only me, but I am sure hundreds of thousands of consumers. I paid off a car loan a year ago and my score dropped. I paid off a personal loan and my score dropped. I paid off my house and my score dropped!! How is any of this acceptable?? I should be able to go buy a brand new with little to no down payment and an interest rate of XXXX or XXXX not XXXX based on my payment history, my low credit utilization and my stability at my job and my home. But instead, I am driving in a car that I question every day " am I going to make it to work today or am I going to breakdown?? ". I am so UPSET. iT IS UNBELIEVABLE HOW SHADY EVERYONE IS.
Complaint sub-issue: Personal information incorrect

I HAVE SO MANY ISSUES ON MY CREDIT FILE I DON'T KNOW WHERE TO BEGAN. THIS IS THE SECOND TIME I HAVE REQUESTED HELP SINCE I WAS A VICTIM OF FRAUD. I would have been OK if this was addressed earlier this year. The following addresses are unknown not sure where they came from they are not mine please delete them at once : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I was looking over my credit reports and I found the information below to be incorrect. Please make corrections because these inaccuracies need to be corrected asap. 
In Accordance With the Fair Credit Reporting Act the information listed below has violated my federally protected consumer rights to privacy, and confidentiality under 15 U.S.C. 1681. Incorrect Address : XXXX XXXX XXXX XXXX  XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXXXXXX, KY XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX Incorrect Names : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. Correct Name : XXXX XXXX XXXX. Incorrect Phone Number : ( XXXX ) XXXX, ( XXXX ) XXXX. Correct Phone Number : ( XXXX ) XXXX. Incorrect SSN : XXXX. Correct SSN : XXXX. This information on my credit reports is in violation of 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. 15 U.S.C. 1681a-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: Debt is not yours

In XXXX XXXX, I received noticed that I was being sued by XXXX XXXX XXXX XXXX XXXX for a debt not paid from American Education Services for about {$6000.00}. I went to court with my lawyer since the original loan document was not signed by me. The original loan document had my " signature '' but someone falsely signed my name. We went to court in XXXX XXXX and the judge deferred in my favor because the signature was not mine. 

XXXX XXXX XXXX XXXX XXXX was supposed to remove this negative information from my credit report. I assumed that they did. 

In XXXX XXXX, I contacted a mortgage company to get pre-approved for a home. I was told that there were accounts that were reporting delinquency on my credit report. The accounts were through a company called " XXXX XXXX XXXX '' I had never received notification from XXXX that they were collecting a debt. I called XXXX and they explained that they received the account from XXXX XXXX XXXX XXXX XXXX and were attempting to collect a debt. I explained to XXXX that I have a judgment in my favor regarding the student loan and that they do not belong to me. It took multiple calls from me to XXXX to be able to speak to a live person. They called me back and indicated that all of the accounts would be wiped from my credit report. 

A few months later I noticed that they were still listed on my credit reports. I tried calling several times and never was able to speak to a live person OR get a phone call back. 

I submitted a complaint with AES ( since they were the originator of the loan ) and sent them my court documents and they replied asking for the court documents ( even though they were already sent ) and nothing was ever done. 

I believe XXXX XXXX is a scam in that they were trying to collect a debt that I did not owe. They do not have a working telephone number on their website. They are almost impossible to get in contact with.
Complaint sub-issue: Their investigation did not fix an error on your report

Since XX/XX/2019 I have contacted the collection agency XXXX XXXX XXXX and all three credit bureaus ( XXXX, Equifax, and XXXX ) disputing the unknown account and asking them to provide documents to support their claim of me owing them debt such as identifying documents, a legal contract bearing my signature, calculation of the debt, how it was calculate, and who furnished the information. For over six months all I get are " form '' letters no real facts when they should have provided these documents within 30 days according to FCRA law. They have continued to break the law while my quality of life suffers. This is my last attempt to resolve this issue without legal assistance. The account in question is XXXX XXXX XXXX Account # XXXX ... Amount {$1900.00} and another for {$100.00} for an authorized/unknown medical bill.
Complaint sub-issue: Problem getting report or credit score

I was asked severeal security questions, none of which I recognized. I also noticed inquires from places I did not authorize.
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX
Complaint sub-issue: Account status incorrect

I have reached out stating that my account history should be exceptional as it is reported as on my XXXX  as such. There has nothing been updated to reflect that to match my XXXX  account.
Complaint sub-issue: Threatened to sue you for very old debt

Today XX/XX/XXXX a man called from a private number and said that they tried to deliver something with a signature to the home address. So, I needed to call XXXX XXXX XXXX and give account number XXXX. 

I've been expecting a package from XXXX XXXX XXXX so I called. 

A guy answered XXXX XXXX and said that there was an overdraft of more than {$900.00} in XXXX that now was up to $ XXXX with US Bank . If I didn't settle they would go to court. The checking account ended in XXXX. 

They had the home address, birthdate and last four. 

I have never had an account with US Bank. So I went to a local branch and spoke to XXXX XXXX NMLS ID : XXXX. She suggested I call the central office XXXX XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

A year ago, my husband XXXX was diagnosed with XXXX XXXX XXXX XXXX  XXXX. 
We have worked long and hard to build an exemplary credit history and had a strong credit score of XXXX. We had no late payments and no negative reports. As part of my husbands preparation for treatment, knowing that he wouldnt be able to manage our finances regularly, he set up automatic payments on our {$4500.00} XXXX credit card debt, amounting to {$150.00} per month ( above the minimum ), to continue until he was able to return to health and make further arrangements. 

Unfortunately, without our knowledge, interest on our debt increased and our pre-arranged payments no longer covered our monthly obligation. Thirty- and Sixty days late charges began to accumulate, and as a result, our credit score dropped to XXXX. XXXX XXXX recorded our dropping score, but didnt reflect any issues with XXXX. The cause of the decline was, at first, a mystery. 

As soon as we learned about this situation, just over two weeks ago, we called XXXX to resolve the issue and make arrangements to pay off the balance. We were told the debt was out of their hands and had been sent to collections. 

We spoke to our local branch manager, Mrs. XXXX XXXX, who understood our situation and attempted to solve the problem. She explained our predicament to a relevant supervisor, only to face the same response : We cant do anything. 

Though we can provide proof that we never missed a payment, our credit remains severely damaged. Again, our credit shows no late payments. In fact, our credit report shows no late payments from any of 15 other creditors. Only an insane person would pay everybody else and disregard one creditor. After working years to establish perfect credit, our compromised credit score means we can not refinance our home or pursue our life plans. The direct impact on our lives, however, is far more fundamental. 

Our efforts toward establishing perfect credit are part of our dream to establish a family. I have recently found out that I cant have children of my own. We have been working with the XXXX XXXX adoption agency in XXXX XXXX to adopt a child, that is my life long dream. I was born in XXXX as my father was U.S. Military and my mother XXXX. This low credit score will disqualify us from adoption.
Complaint sub-issue: Problem during payment process

In XXXX I madd a {$1000.00} payment And told the pond rep test tgd payment id for XXXX and XXXX Problem is the Citibank customer service is in XXXX XXXX and XXXX they all have language problem do t XXXX XXXX fluent Ingush dont know how to go things They call here demand payment I blocked theirs phone Charge late fee MADD my account past due which I am not paid {$1000.00} payment Made my account delinquent which my account should not be delinquent after {$1000.00} payment Deliquent is when no payment made for months
Complaint sub-issue: Information belongs to someone else

ONCE AGAIN XXXX AND XXXX FAILED TO CORRECT THE ADDRESSES ASSCIATED WITH FRAUD AND I.D . THEFT SINCE XXXX. 

I HAVE ADVISED THEM SEVERAL TIMES THE RULE ON NOTICES OF ADDRESS DISCREPANCY, FACT ACT 315, FCRA SECTION 605H and 12CFR 41.82. ALSO, FAILED ALTERNATIVE TIMING OF ADDRESS VALIDATION.. SOMEONE USED MY I.D . TO BUY A HOUSE IN TEXAS, AND XXXX ADDRESS IN XXXX, IL. 

I AM DEMANDING XXXX AND XXXX REMOVE OR PURGE THIS FRAUDULENT INFO FROM THEIR DATA BASES.
Complaint sub-issue: Their investigation did not fix an error on your report

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Complaint sub-issue: Reporting company used your report improperly

Equifax had a large scale security breach and they informed me that I was infected. They provided one year of credit monitoring and identity theft protection as recourse but this is something that is going to possibly affect me for the rest of my life.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act The companies in the attached document have violated my rights. 15 U.S.C 1681 section 602 A. States that 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 instruction.
Complaint sub-issue: Debt is not yours

XXXX XXXX To Whom It May Concern Equity auto loans llc The debt collector is not licensed in the state of Florida, they are violating the FCCPA and in turn violating the FDCPA. Each violation carries a {$1000.00} statutory damages provision for each violation. Please remove this information from my credit report Thank you
Complaint sub-issue: Their investigation did not fix an error on your report

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 XXXX XXXX
Complaint sub-issue: Debt is not yours

I received a letter out of nowhere from XXXX XXXX XXXX today XX/XX/2020 stating that I owe {$120000.00}. The original creditor is CITI Bank whom I never had any credit card or associations with. I believe this is fraud as my social security might have been compromised. I called XXXX XXXX XXXX and told them I do not know what this debt is nor do I see this on my credit report and they kept assisting I pay, I asked them why would I pay if I don't even know what this is? 
I then called the original creditor, CITI Banks and told them I don't have a card with them. They attempted to look me up in their system using my full name and social security number. When they couldn't locate me they told me to disregard the letter and that CITI Bank has been experiencing fraud. I do not want this on my credit report as this is not my account!
Complaint sub-issue: Investigation took more than 30 days

Credit reporting agency is reporting inaccurate information on my credit report. I requested that this information be investigated and removed on XX/XX/2020. I has been 30 plus days and I have not heard anything from the credit reporting agency.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent certified letter to Equifax,   XXXX   and  XXXX , stating that there was n't anything in the federal regulations or guidelines requiring them to continue to report a dismissed Chapter  XXXX  bankruptcy, and requested it be removed. They received the letter and changed the date on my report showing the dismissed Chapter  XXXX  Date of report  XXXX / XXXX / 2017 . The date the received my later in which is not true. I have copies of my previous reports to prove they changed the dates. And I also have f or two y ears have been disputing  XXXX  other accounts in which they have not giving me no information whether the accounts have been verified, but refused to remove my credit report.  XXXX   XXXX  and  XXXX   XXXX .
Complaint sub-issue: Other problem getting your report or credit score

So for about a year no equifax has failed to report my account accurately. I have about 4 credit cards that are not reflecting on my report and an auto loan that they fail to report. But I didnt think It was a big deal until I needed to move out of my home. I got approved for a apartment but they couldnt pull my reports. First it was frozen so I called equifax, they said they fixed it then 3 days laters the freeze wasn't removed and they need me to send paper work proving my identity. I did that. still nothing and they said everything is okay but when the leasing company tried they still couldnt pull my reports. 

I ended up loosing the apartment and have to sleep at relatives home for about two weeks. Equifax has failed me, I think its a technical issue but no one can pull my reports from equifax. I applied for an auto loans and same thing " cant pull equifax report ''. This has affected me so much. Besides them not reporting all my accounts, not letting lenders pull my reports even though they say I have no freeze or alert, equifax is also reporting false accounts. I have never had a credit card with XXXX. I need this fraudulent account removed immediately. I am prepared to lawyer up at this point because equifax is failing as credit report agency and refusing to help resolve the issues at this point.