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

On XX/XX/XXXX, I logged on to my Citi online account and noticed a balance due and that a payment had been made on XX/XX/XXXX which I did not authorize. My account had been paid off with a XXXX balance since last XXXX, XXXX. When I checked the transactions ( made XX/XX/XXXX XX/XX/XXXX ), I knew they were fraudulent as I have never been to XXXX and have never done a cash advance on my account. I immediately called Citi to alert them of these unfamiliar charges and alerted Citi that I was not the one that had made that payment on my account on XX/XX/XXXX. They immediately canceled my account and opened an investigation. The representative asked me for my security word which I provided and she advised me it was incorrect and that it had been changed. She also confirmed to me that the billing address on my statement had been changed to an address in XXXX. This in itself shows my account was hacked and this was a case of account takeover. I have never lived abroad nor do I know anyone in XXXX. 

On XX/XX/XXXX, I called Citibank to get status on my investigation. I confirmed to her I was disputing all transactions in XXXX. On XX/XX/XXXX, I called again asking for status once again. On XX/XX/XXXX I received correspondence that the investigation had been completed and I was responsible for the fraudulent charges. On XX/XX/XXXX, I spoke with XXXX who advised me that my investigation had been reopened. Then on XX/XX/XXXX I was able to speak with XXXX XXXX " Executive Response Team after many attempts to reach her and she advised that the investigation was closed as a CHIP card was used and I was responsible for charges. 

Not only did someone make a payment on my account, they also fraudulently charged items, withdrew money and hacked my account to change my contact information. Security on my account has been seriously compromised and my account was taken over without my consent. 

I have never been to XXXX and have my valid US Passport to prove it and can provide a certified copy to Citibank. I also requested that video be obtained of the place where the cash withdrawals were made in XXXX. This will further confirm that these transactions were not done by me or authorized by me. 

I did my duty in reporting it to you in a timely manner. They have not taken the time to investigate this fraud and security breach. 

I filed a police report today at my local police station to be added to this fraudulent claim file. 

I have an excellent payment history with Citibank and impeccable credit and can not let this blemish what I have worked so hard for. They just are not making an effort to assist me in a fair manner.
Complaint sub-issue: Debt was paid

This company does not have permissible purpose to furnish on my consumer report. They did not receive my written instructions. Furthermore, I do not have an account nor have I made any consumer credit transactions with XXXX. Thus, they are infringing upon my right to privacy by receiving my information from a third party. Moreover, this collections account is from a medical agency, and under federal law no consumer report shall contain any medical information.
Complaint sub-issue: Reporting company used your report improperly

The company sent me a letter in the mail stating that they would remove the inquiry in 30 days or so, 3 months later there has been to update. They agreed to code the inquiry as a soft inquiry yet it is still reporting as a hard inquiry.
Complaint sub-issue: Debt was paid

I had phone services with XXXX XXXX for about ten years and decided to switch providers in XX/XX/2022 to XXXX XXXX paid off the remaining balance on XXXX of my devices. i am now getting collections letter from XXXX stating that i owe them {$1100.00} for nonpayment when they agreed to port all my lines over from XXXX to XXXX. I kept the same numbers as i had with XXXX. the only way they would allow me to do that was to pay off my last bill, which i did, and were able to keep my phones and numbers. Now they are trying to charge something that was already paid.
Complaint sub-issue: Information belongs to someone else

This is not mine nor do I even know what it is
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX - XX/XX/XXXX Equifax XXXX All Banks XX/XX/XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Miscellaneous Sporting Goods XX/XX/XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX XXXX CRED Credit Bureau Inquiries XX/XX/XXXX XXXX XXXX Miscellaneous Home Furnishings XX/XX/XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Bank XX/XX/XXXX XXXX XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Miscellaneous Home Furnishings XX/XX/XXXX XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Trouble with how payments are handled

XX/XX/XXXX, I entered into a legal settlement with XXXX University in which my XXXX loans would be paid in full of {$29.00}, XXXX. This would close out all graduate loans from XXXX University and leave ONLY a balance of around {$29000.00} from the University XXXX XXXX for XXXX loans. XXXX University did in fact issue a check with instructions by XXXX CFO XXXX XXXX and it was received by the DOE on or about XXXX XXXX, XXXX. I then called NelNet and asked if XXXX was paid in pull, to which the representative confirmed it had been. I then asked for options on repayment of the XXXX loans only since I was not employed. The representative said my only option was to defer payment until XXXX XXXX by assessing additional interest from XX/XX/XXXX to XX/XX/XXXX. I reluctantly agreed. I then took out a vehicle loan about a month later to which I was informed I had student debt which was affecting my credit and interest rates. I thought at the time they were referring to the XXXX smaller balance. Now, a year later, I went to apply for my first home loan and was told I wil still over {$60000.00} in debt with student loans. I am not able to qualify for any type of home loans or any lines of credit due to this error. Upon investigation, it has been determined that I was never placed on a payment plan, that Nelnet assessed interest fraudulently, and then took the {$30000.00} from XXXX and has only been making the minimum payments on the interest. I spoke with XXXX, a " manager '' from Nelnet and he said that my only options were to pay the interest balance ( which still puts me in debt around {$60000.00} ) or reverse the payment which will put all my XXXX loans into default and collections. I have proof that both Nelnet and XXXX have confirmed they are equally at fault, and that I am XXXX % blameless for these damages. I have now lost any chance of purchasing a home for the foreseeable future until this matter is resolved, and have paid thousands of dollars in additional interest in student loans, vehicle loans, and other loans that should never have been paid. Further, the emotional trauma I have suffered as a result of this far exceeds the financial damages. I have evidence of all the above stated. I have been in constant contact with XXXX XXXX, the CFO of XXXX, who has been in touch with " XXXX '' from Nelnet. I feel that Nelnet is doing everything in its power to MINIMIZE the damage and not take responsibility for the extensive financial damage and emotional trauma I have suffered as a result of this clear cut case of negligence and fraud. There are several documents ( over XXXX ) that are in possession by myself, Nelet and XXXX. I will provide should it become necessary.
Complaint sub-issue: Information belongs to someone else

I HAVE REVIEWED MY CREDIT FILE AND FOUND SOME DEROGATORY ACCOUNTS THAT HAVE BEEN REPORTING ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE ACCOUNTS DO NOT BELONG TO ME AND IS CAUSING GREAT STRESS ON MY CREDIT FILE. I WOULD LIKE FOR THIS MATTER TO BE RESOLVED BECAUSE IF IT VERY UNFAIR HAVING TO DEAL WITH THIS WHEN I AM VERY SURE THAT THOSE TRANSACTIONS WAS NOT MADE BY ME AND IS NO WHERE NEAR RELATED TO ANY TRANSACTIONS AUTHORIZED BY ME. PLEASE RE-INVESTIGATE AND REMOVE THE DEROGATORY ACCOUNTS OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.
Complaint sub-issue: Reporting company used your report improperly

PXXXX 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 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXt. # 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. 
XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Original Creditor Name XXXXXXXX XXXX XXXX XXXX {$790.00} bal. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct # 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. 
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$490.00} In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account Number 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. 
XXXX XXXX XXXX  acct. # XXXX Original Creditor Name XXXX XXXX  XXXX XXXX XXXX. {$490.00} In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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. 
XXXX XXXX XXXX acct. # XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/22 I filed a dispute on XXXX XXXX XXXX asking for this inaccurate debt be removed from my credit report. I also sent a debt validation and verification letter. Its still reporting on my credit report
Complaint sub-issue: Can't temporarily delay making payments

I applied for Income Driven Repayment through XXXX because I knew that I would not be able to afford the {$210.00} per month payment on my small salary. I applied on XX/XX/XXXX, received notice that my request was received by XXXX on XX/XX/XXXX, which was the last I heard from them. I contacted XXXX through their customer service online chat on XX/XX/XXXX to inquire about my request. XXXX, their customer service agent noted that they did receive my request but they only applied my request to SOME of my loans even though XXXX services ALL of my loans. They conveniently applied my request to loans that are " In Grace '' but not towards loans that are " In Repayment. '' When I applied for Income Driven Repayment, there was no where on the application that stated that the request would only apply to some loans. XXXX in their acknowledgement stated that they would contact me when my request was approved, which was not the case or else I would have known early on that they only applied my request to a portion of my loans. XXXX did nothing but sit on the application until it was to late and now I am 6 days late on my loan payment. XXXX, claims they ca n't postpone my payment because they " ca n't expedite the process. '' So now my request has to start from the beginning again while my loans continue to be delinquent. 

XXXX is notorious for sitting on Income Driven Repayment applications and due to their past behavior, I am afraid that they will delay my application until they can squeeze a payment out of me. I do not want my delinquency to be reported to credit agencies and XXXX is very aware of that.
Complaint sub-issue: Reporting company used your report improperly

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

15 U.S.C. Section 602.A., states that I have a right to privacy.

15 U.S.C. Section 604.A.2., states that a consumer reporting agency can not furnish account information without my written instructions.
Complaint sub-issue: Can't use card to make purchases

I had a my Best Buy Visa through Citi and it expired on in XX/XX/2018. When I logged onto my account it stated that there was a document for me to review ( I am attaching it to this complaint ). The letter states " We appreciate your business as a My Best Buy Visa Platinum customer. Unfortunately, as the result of a recent review of your account, we regret to inform you that your My Best Buy Visa Platinum account will not be renewed beyond the expiration date on your credit card. '' It also states the the account is in default. So the bank expects me to pay the charges and will continue to charge me interest at a rate of 26.99 % on a card that I can no longer use.
Complaint sub-issue: Their investigation did not fix an error on your report

i sent a request for validation multiple times and i keep on getting the same thing over and over again on of the things i requested was " On XX/XX/2018, two documents were sent to me. The first document did not have the validation of debt listed. The only thing that was listed was responsible party, address, balance and a file number ( is what is called " verification '' not " validation '' ) The second document that was sent was addressed to the WRONG person. It should have been addressed to the responsible party. My insurance was billed incorrectly and before making any payment towards a debt I want to make sure that the bill was properly processed through my insurance carrier '' and what did i get back the same thing over and over again i will attach it is an invoice with there companies name i could of done the same thing write my companies name and send them in invoice how does that proof anything and plus i requested a lot of other information and they didn't bother verifying that at all.
Complaint sub-issue: Information belongs to someone else

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 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 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 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: Information belongs to someone else

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XXXX XXXX  Ive already included this in my previous Complaint # & I am including it again.

XXXX XXXX XXXX XXXX XXXX Date filed XX/XX/XXXX Identification number : XXXX XXXX XXXX XXXX .... Balance : {$400.00} ; XXXX XXXX XXXXXXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX XXXX XXXX Date of request XX/XX/XXXX ; XXXX XXXX  XXXX Date of request XX/XX/XXXX ; XXXX XXXX XXXX  Date of request XX/XX/XXXX ; XXXX XXXX Date of request XX/XX/XXXX ; XXXX XXXX XXXX Date of request XX/XX/XXXX ; XXXX  Date of request XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX  XXXX XXXX : XXXX. XXXX, XXXX ; XXXX  XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX XXXX  Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX : XXXX. XXXX, XXXX
Complaint sub-issue: Problem during payment process

Contacted representatives of the company via telephone and emails several times in XXXX and XX/XX/XXXX because of the financial hardship I am experiencing from Hurricane XXXX. However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due toXX/XX/XXXXon my credit card accounts.
Complaint sub-issue: Information is missing that should be on the report

Employment Data Reported XXXX XXXX XXXX Current Position XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone NumbeXXXX XXXX XXXX XXXX Current Position XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Number XXXX XXXX XXXX Current Position XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Number XXXX XXXX XXXX XXXX Past Position XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Number XXXX XXXX XXXX XXXX Past Position XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Number XXXX XXXX XXXX XXXX XXXX Past Position XXXX XXXX XXXX XXXX Past Position XXXX XXXX XXXX XXXX Past Position XXXX XXXX XXXX XXXX XXXX XXXX  Past Position XXXX These are my current and past employers on my file the credit Bureaus have Employers that are not the right name nor have I work for them I have provided the right information with address and phone number to verify There is to much wrong information on my credit file and makes no sense this incorrect information or how it was obtained is wrong I have sent pictures of credit report errors and wrong changes and still month after month wrong information and not corrected right from what ever source
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I disputed an unauthorized credit inquiry with XXXX XXXX XXXX. XXXX XXXX sent me a letter stating it would be deleted from my credit report and they have contacted Equifax and requested this unauthorized inquiry be removed Equifax did not. I mailed a copy of the statement that I received from XXXX XXXX stating this information should be removed. I received a response that the information is factual and will not be deleted.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX, I believe on behalf of XXXXXXXX XXXX, made a hard credit inquiry on my account without authorization on XX/XX/2018. 
XXXX XXXX XXXXurrently holds the mortgage on my house, the mortgage was discharged in bankruptcy. The bank was involved in a short sale process at the time the inquiry was made. I am not seeking credit from XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, or any other mortgage company. In fact, I had not applied for any credit from any company. 
I spoke with the credit reporting bureaus after finding this inquiry had been made, and they told me I had to go back to the company that made the inquiry to get it removed. I contacted XXXX, requesting that the hard inquiry be removed, as it should not have been made, and was not authorized. However, I have not received further communication regarding this issue, and the inquiry has not been removed. 
Thank you for your assistance. 


XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX
Complaint sub-issue: Other problem getting your report or credit score

My name is XXXX XXXX and I am having issues with Equifax and getting information. I initially pulled a credit report with a credit monitoring site and noticed that Equifax was reporting some inaccurate information, such as two accounts showing charged off with XXXX XXXX XXXX XXXX. I have never had any type of bad account with this bank, so I researched my options and a letter was sent to Equifax demanding they remove the the false information. This was back in XXXX of this year. I never received any type of response from them so another letter letter was sent XX/XX/XXXX and to this day I still have yet to hear from them. I have sent a 3rd request on XX/XX/XXXX and no response. I accessed my account with XXXX XXXX to see if maybe they are working on things and just not sending me the information but that information hasn't been updated on XXXX XXXX 's site since XXXX of LAST YEAR. It shows that for some reason Equifax is completely ignoring me. With ever correspondence sent I included the documentation they request to research items so that is not the issue.
Complaint sub-issue: Information belongs to someone else

I have submitted a complaint about my credit report however I have not received any changes. There are tax liens as well as inquiries that do n't belong to me. I have no knowledge of this debt. Please help me! I am furious!! Take them off!! State lien paid in released ( XXXX ) State lien ( XXXX ) State lien ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXXXXXX 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 Inquiries that were not authorized! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please Remove them immediately!! It should be illegal to report items that do not belong to me!!!
Complaint sub-issue: Problem accessing account

XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX This bank charges account inactivity fees as many banks do. However, what this bank also does is disable your online access to your account when they begin charging your fees. I've now been on the phone over XXXX XXXX trying to reenable this account so I can transfer my funds out. 

This practice seems as if its goal is to ensure it is as difficult as possible for people to : XXXX. Notice that their account is getting inactivity fees XXXX. Withdrawal funds from their inactive account, ensuring the bank maintains control over the funds and can gain from the inactivity fees. 

It is predatory.
Complaint sub-issue: Information belongs to someone else

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX  XX/XX/2017 XXXX {$17000.00}
Complaint sub-issue: Card was charged for something you did not purchase with the card

I purchased a movie subscription that did not inform the buyer there would be additional charges. I tried to cancel and they would not let me. I disputed the charge and the bank was able to resolve this but the day after the dispute the movie company put through an additional unauthorized charge and I disputed that. The bank issued a temporary refund, then a permanent one but then reversed the permanent one saying they couldn't work anything out with the company. I am hoping you can reach out to either Citibank or the  movie company XXXX and find out why unauthorized charges are allowed to go through and not returned when disputed. 

Date of charge XXXX/2018 amount XXXX Multiple letters, emails and phone contacts have been made.