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 received a text message from Citibank informing me about a suspicious transaction on my credit card. I immediately called the fraud department and discovered that 4 transactions totaling {$16000.00} ( in less than 15 minutes ) were made in XXXX. I informed them that I did not make any of the transactions and I was in XXXX XXXX, NY. I was assured that the charges will be removed. Soon afterwards, one of the charges was removed but three charges totaling {$13000.00} remained on my card. I made further phone calls and was assured the other charges will be removed after an investigation. 

On XX/XX/XXXX, I received a letter from Citibank informing me that I am liable for the charges because my chip-enabled card was used for the transaction and I had stated that the card was in my possession. As I was sure I did not make the transactions, I immediately filed a police report and submitted a formal letter requesting an appeal the same day. 

On XX/XX/XXXX, I called Citibank fraud department to find out the status of my appeal and was informed that the case was closed and I was still liable because " my phone had made a call to activate the new card prior to the transactions ''. This was the first time I was made aware of the existence of a new card. I did not request, receive or activate a new card. The card in my possession was issued in XX/XX/XXXX and was not due to expire till XXXX. The Citibank representative informed me that the new card was activated by a phone call made from my cell phone. He stated that in less than an hour of card activation, {$16000.00} was charged to my card. My official XXXX phone log proves that I never made a call to activate the card. The logs also show that I was in XXXX, NY when I called returned a call from the fraud department within minutes of the fraudulent transaction. 

I was informed that I had one last chance to contest the charges by Citibank executive response unit. On XX/XX/XXXX, I sent a letter to the executive response unit, including an official XXXX call log that definitively proved I never made a call to activate any card, and that I was XXXX miles away from XXXX at the time of the fraudulent transactions. 

On a follow up phone call with Citibank today ( XX/XX/XXXX ), I was  informed that my final appeal was again rejected. I was not given clarification on why it was rejected or on what further recourse I have. 

To summarize, fraudulent transactions were made with a replacement card I never requested or received. The card was supposedly activated by a phone call made from by phone even though my call log clearly shows that it wasn't me. The credit card was previously used only for recurrent transactions, yet within 45 minutes of a replacement card activation, {$16000.00} was charged to it.
Complaint sub-issue: Problem using a debit or ATM card

I called in to discover bank to dispute a ACH transaction with XXXX XXXX knowing that I dont business with them and discover was so quick with the investigation and denied my claim and closed within few days and didnt give me the chance to appeal or send any documents for these ACH transactions and wouldnt help me with getting started with the appeal and I lost over 800 dollars with this bank and Im so sad and there no customer service agent would help me and they had to change my account number over to XXXX from XXXX for nothing .... I would like to closed this checking account if they cant grant a appeal with XXXX XXXX ACH
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the Fair Credit Reporting act XXXX Account # JPMCB 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 1666B : A creditor may not treat a payment on a credit card count under an open end consumer credit plan as late for any purpose *Please remove all late payments associated with this account and turn them current.

The dates of the late payments I need removed are : XXXX
Complaint sub-issue: Attempted to collect wrong amount

These folks filed a garnishment on my wages. But, when I called to make arrangements before the first garnishment payment came out I was told they would stop the garnishment. They did not. When making the arrangements and signing documents I asked if I could print and fax the papers, so I had time to read them. I was told they could not have time to stop the garnishment if I did n't sign right now. I was told where to sign while an agent was on the phone with me on hold. I told them I needed to go but they insisted I sign all the papers or they could stop the garnishment. I signed the papers so I would not miss the opportunity to get the garnishment stopped. The following Friday my paycheck was short XXXX. I called them and asked what happened? They denied telling me the garnishment would stop. I was then told the garnishment would stop after XXXX on time payments. So I said you are taking 5 months of XXXX garnishment and my XXXX payments? they said yes. They said we will send a modification to reduce you garnishment to 5 %. They did not. I would not be near as upset about any of this until I got the documents detailing my arrangements request for additional documentation. They are charging me {$13000.00} on a {$10000.00} dollar loan. After 5 month of garnishment i will have only paid the their collection fees. And on top of that I have to send in more documentation before the arrangement is valid. They were calling XXXX5 times a day, weekends, and holidays. Making me crazy. They began calling my ex-husband and my daughter. I just do n't understand how they can garnish me and take payments at the same time and I am paying 30 % in collection fees on a Federal student loan.
Complaint sub-issue: Information belongs to someone else

There is an account from XXXX XXXX on my credit report that is not mine. The only reason I even found out about this account is because I was denied from. getting a personal loan at XXXX today XX/XX/27. I did not open this account and I did not give anyone permission to open this account in my name. I am not affiliated to this company in any way nor did I benefit anything as a result of this account such as money, goods, services or any other benefit nor did I ever make any payments that might have been made towards this account. I have already filed a police report regarding this unauthorized account.
Complaint sub-issue: Their investigation did not fix an error on your report

Several years ago a vehicle was incorrectly listed on my credit report. All 3 reporting agencies : XXXX, XXXX & Equifax, refused to report it accurately as the lender stated that it was correct. This has made it impossible for me to rent or get a mortgage for over 5 years. Recently, the lender reached out and sent a letter of apology and a cashiers check to make up for their error. I sent this letter to the credit reporting agencies, and they still refuse to remove it from my reports. This is not only scandalous, it should be illegal. I want XXXX XXXX account removed, in its entirety, from all of my reports. 

Thank you, XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem with customer service

I applied for a credit card. The credit card got approved. The bank tells me on the phone they don't have my phone number in their system. It is a requirement to have a valid US phone number to apply and get approved for a credit card. You people approved my credit card without even having a phone number in my account? How did you manage to do that because that is very sketchy and fraudulent on your end!? 

I was trying to get a manager on the phone but the operators were all reluctant to let me speak to a manager. They just won't let me speak to their manager, in case I complain against them. Then finally one manager said he can't do anything about it, because he has no access to nothing not even my account ; that was a complete disservice. The second manager says he doesn't know. No one knows why my phone number is missing from my account!? 

I spoke with an operator from your fraud department who asked me a series of questions but that soon went down to harassing me on the phone. She asks for my date of birth, I give her my date of birth. Then she asks what's my age? What kind of harassment is this!? Either that uneducated operator does not know how to calculate someone's age or she just had the intention to harass me on the phone, I beleive the later is true unless you hire grade XXXX students to work for your bank who doesn't know how to calculate someone's age.
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

This account was established for my government unemployment deposits. I had security set to advise me, via text message, of all transactions. On XXXX I called to check my balance and heard transactions that were not mine. I thought it had to be an error, I called Reliacard and was transferred to fraud dept. I informed them that I did not authorize any ACH transfers nor have I ever done any ach transfers on my account. I have written and called Reliacard on several ocassions to no avail for over a year waiting for requested proof of documents for the change of data. I filed a police report and provided them the information, to no avail. They've responded no error found and send me transaction information instead of history and proof that I made the call or change of record! During a conversation with the fraud dept, their notes indicated the phone number change was by a male. I told them it was impossible, how could they make a change and not follow up and confirm with written notification. How could they accept change information from a male! I never received notification that such a request was made. They only replaced the bank card and account number. Never provided any proof I made the change and ach transfers.Reload money and issue a new card mail to XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XX/XX/1987 ssn XXXX
Complaint sub-issue: Reinserted previously deleted info

On XX/XX/2016, EQUIFAX confirmed in writing that an XXXX account I have disputed for some time was FINALLY deleted from my file as it belongs to my ex-wife. When I checked my EQUIFAX report XXXX XXXX, 2016, it had been re-inserted. This is a clear violation of Federal Consumer Law!
Complaint sub-issue: Information belongs to someone else

There is one account and 3 inquiries that are on my credit report that are not mine I have not approved used or signed anything for these I dont know why it's on my report I need this off I am getting tired of disputing items that dont belong to me we have no free time to be checking for identity theft!!! 

XXXX XXXX - Acct # XXXX XXXX {$450.00} Opened XX/XX/XXXX INQUIRIES XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry date : XXXX XXXX, XXXX
Complaint sub-issue: Didn't receive notice of right to dispute

XXXX XXXX XXXX {$4900.00} XXXX  XXXX {$1200.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Complaint sub-issue: Didn't receive notice of right to dispute

I C Systems at IC System Correspondence XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been sending me collection notices in the amount of {$270.00}. The collection has been reported as a past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Complaint sub-issue: Information belongs to someone else

I have disputed this issues many times before but yet no action has been taken. The credit agencies are still reporting the following on my credit report as verified. However, when one has been victimized it seems as if the victimazation never stops because instead of the credit agencies correcting the wrong doing they continue to let it go. I'm respectfully requesting that the reporting agencies send me physical documentation as promised in the FCRA literature, or block/ delete and/or remove the following accounts from my credit report.. ( 1 ) XXXX - XX/XX/XXXX , ( 2 ) XXXX XXXX XXXX - XX/XX/XXXX, ( 3 ) XXXX  - XX/XX/XXXX , ( 4 ) XXXX XXXX XXXX- XX/XX/XXXX , and the following two accounts ( 1. )  XXXX, and XXXX XXXX
Complaint sub-issue: Account status incorrect

XXXX XXXX - Account was paid in full ( for deletion ) XX/XX/2022 XXXX - Account was paid in full ( for deletion ) XX/XX/2022 XXXX - has same account listed twice XXXX XXXX - Account was paid in full ( for deletion ) XX/XX/202XXXX XXXX - Account was paid in full XX/XX/2022 XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXXXXXX - Account was paid in full ( for removal ) XX/XX/2XXXX XXXX
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX. Please make sure my name isnt an error because I noticed that and all accounts listed below in the attachment are RE : Remaining items To whom it may concern : XX/XX/2017 This letter is being written to dispute the above account which i have done several times. You have responded by stating that the creditor or collection agency verified the account. I have contacted the collection agency on several occasions as well and they have yet to respond to my dispute. Therefore your company could not reach them concerning this debt. The Fair Credit Reporting Act requires that you respond to my dispute within 30 days as well verify its accuracy. If the account could not be verified, your company must delete & permanently remove the account from my credit report immediately. If you can not show proof that you can not verify this debt and you continue to list this item on my credit report i am prepared and will sue you under The Fair Credit Reporting Act. If you refuse to respond to this letter or theirs another verified letter sent out to me, your company will be prosecuted in a court room where you are will faces charges for violating The Fair Credit Act, FACTA, and falsely using my identity to defraud my name without my consent placing errors on my credit file. I am allowing 48 hrs turnaround after receiving this message. This is not an attempt to collect a debt nor a threat. The inaccurate errors is listed in an attachment. Please continue below to see the inaccurate accounts that remained on my credit file. I dont have a vehicle and I dont own one so why are these accounts and inquiries appearing on my credit file as if I have a vehicle? I am unaware about any vehicle. All inquiries or accounts pertaining to vehicle must immediately be removed by law because it doesnt belong to me at all. Sincerely XXXX XXXX
Complaint sub-issue: Debt was result of identity theft

I was a victim of Identity Theft and have filed reports. XXXX XXXX and XXXX XXXX threatened to kidnap my XXXX child and forced me to give them my credit card information, logins, etc. I filed FTC report and Police Report. XXXX, XXXX, and XXXX XXXX wrote off the debt but discover has charged it off to me and sent me a 1099 C for cancelled debt. Discover wrote off $ XXXX in debit and over $ XXXX in interest. I sent discover letters in XXXX and XX/XX/2019 that this is identity theft and they continue. I should not have the tax burden of protected charges under identity theft.
Complaint sub-issue: Information is missing that should be on the report

There's a paid collection on my credit from 2014. It was an amount of {$15.00} that was paid. In the description, it is listed as a medical collection. 

The creditor 's name is listed as " XXXX XXXX ''. This is a medical collection, and the fact that it is reported to my credit is a violation of HIPAA laws. The fact that I attended a medical doctor is a private matter and my info, billing or otherwise, should not be furnished to any collection department or personnel that isn't the acting doctor or nurse treating me.
Complaint sub-issue: Can't stop withdrawals from your account

I made a purchase on XXXX on XX/XX/XXXX, for {$69.00}, I received an email right away stating the received my order and would notify once it shipped, well its been a few weeks and I still haven't heard anything so upon doing some research I found the website was a scam, there is no way to get in contact with them, the email address they sent doesn't work, I contacted my bank to dispute it and they basically told me im XXXX out of luck, whether I received anything or not is not their problem its mine
Complaint sub-issue: Threatened or suggested your credit would be damaged

PROGRESSIVE MGMT SYSTE XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$3100.00} {$3100.00} XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX I am a XXXX veteran who receives 100 percent medical by and through the VA.. The VA will refer out into the community medical services from time to time .... I had XXXX XXXX XXXX throughout most ofXX/XX/XXXX, that were done through XXXX XXXX. 

In order to receive these services, XXXX received preauthorizations through the VA, prior to, and before doing any medical care. 

Somehow, or some way, XXXX decided to start harassing me for what little of my medical bills they feel they didn't get paid for. I have talked to them numerous times, and they tell me they will take care of the problem, but instead have forwarded collections to this Progressive Medical ( above ) In spirit XXXX agrees that I was not in the authorization chain, and that procedures were authorized through XXXX and the VA ... .. But yet, they are harassing me, and reporting bad credit. As a last resort I am reporting this matter to you, as nothing seems to deter these characters ... 

XXXX is a fine organizati0n, but once something gets going through their system, seems no human can stop or override it. As far as Progressive, they are obnoxious, as most of those type companies are but are only doing their job as XXXX gave them these balances to collect. 

Help! XXXX XXXX
Complaint sub-issue: Account status incorrect

I have called Equifax repeated ly from XXXX to XXXX XXXX to dispute an auto account with XXXX XXXX auto finace on the payoff on XX/XX/XXXX. Where XXXX  XXXX auto fince was over paid on XX/XX/XXXX was not late I sent them all the documentation proving my point the pandemic had started on XX/XX/XXXX there was a Stay at home order issued in XXXX Florida I traded my car into XXXX XXXX XXXX They overpaid the payoff by XX/XX/XXXX to XXXX XXXX in California. XXXX XXXX Auto is trying to ruin my credit They refuse to correct the error NEVER have I been late on any car loan ever I have had many the pandemic caused the payoff to get there by end of the month when the payoff was still good and in fact overpaid XXXX XXXX sent an overpayment check to me XXXX for XXXX. I was never late on the payoff my car was traded in Nobody was at work due to pandemic they did pay off my car by end of the month before the payoff was due and the pandemic had started Equifax refused to fix this based on all the correct documentation I had provided them twice Now today XX/XX/XXXX, XXXX their representative said they no longer have documents oh well guess your late it stays I have never had an agency behave like this deliberate to ruin my credit these calls are recorded she refused to give me s a supervisor I am a victim of fraud and identity theft I watch my credit carefully. I was never late both Equifax and XXXX XXXX auto are wrong in this matter. I need help I am just a consumer I need the right thing done here. I cost money to make copies all the time I was hurt during the pandemic a nationwide stay-at-home order was issued in XXXX of XXXX. Please help to get the truth out XXXX XXXX auto is a large company and refuses to do the right thing so does Equifax
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX Inquiried on XX/XX/XXXX and XXXX XXXX XXXX Inquiried on XX/XX/XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

There is a debt for {$3600.00} on my credit report coming from the debt collection agency Americollect Inc. I sent Americollect, Inc a debt validation letter on XX/XX/2022 to verify the debt that was appearing on my credit report. Today ( XX/XX/2022 ) I opened up my mailbox and opened up the return letter that I received from them ( that was sent XX/XX/2022 ). In the letter that they sent me there was the hospital charges bill that had procedure codes, procedure description, and personal medical information. I know my rights and I know that this is against HIPAA violations to do so. I specifically asked for the validation of the debt and not my hospital charges/charge descriptions/info that is against my HIPAA rights. Initially, in my debt validation letter I had asked to just have the debt cleared from my credit report. I'd still like to have the debt irradicated and if Americollect Inc can't clear it, then I will have to take legal action for having my HIPAA rights violated. 

Thank you.
Complaint sub-issue: Information belongs to someone else

Hello, you wrote on my credit report ( about my credit card, XXXX  XXXX ) that on XX/XX/XXXX and XX/XX/XXXX, I didn't pay XXXX  XXXX on time. This is your mistake, and I have always paid all of my payments on time. Attached is a letter from XXXX XXXX, that you made a mistake and that I did pay on time for both of those dates. Please fix this immediately my payment history with XXXX XXXX.
Complaint sub-issue: Was not notified of investigation status or results

I sent a letter previously ( XX/XX/2021 ), asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes. 

Section 611 ( 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 data breach and may have got into the hands of the wrong person.