Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

To Whom It May Concern : I have recently been informed again that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. I challenge the accuracy, compliance and reportability of these listing on my credit reports. 

XXXX XXXX  Reported : XX/XX/2020 {$7100.00} There is no contract, no valid claims ... account was settled with original creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute XXXX XXXX again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Complaint sub-issue: Account opened as a result of fraud

On XX/XX/23 at approximately XXXXXXXX XXXX I was contacted by someone stating they were a Citibank representative calling about suspicious activity with my debit card ( an Office Depot charge for {$1000.00} ). The number that called me was a XXXX number that matched the citi fraud phone number. They had all of my banking information but asked me to verify a few things for them. They also told me my XXXX was compromised and that {$15000.00} worth of transactions had been made through my account. At that point they said the bank was crediting me this {$15000.00} in order to cover the XXXX transactions but I would have to XXXX the money in order to cancel the fraudulent transactions. When I checked my account there was a citi credit for XXXX that I assumed was put there by the bank. I was told to XXXX various amounts that added up to this XXXX. I was told I was XXXX the citi bank supervisor ( XXXX XXXX ). 

Once the call was done, I contacted Citi to confirm it was actually the bank I was speaking to. I then found out there was no record of anything that just happened. In fact, someone had called Citi pretending to be me to take out a personal loan for XXXXXXXX XXXX  as well as open two additional checking accounts in my name.

I disputed everything that same day and froze my accounts.
Complaint sub-issue: Information is incorrect

I had an account with Macys back in 1991 individual credit card that my wy somehow was able to put a name joint with with mine account that I dont know about or without my authorization and she closed it. 
It was my most valuable member card too. 
After that she divorced me left me with nothing to go about my daily life. 

Thanks XXXX XXXX
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/2022, a fraudster made three purchases through my XXXX accounts using my CitiBank card for two digital gift cards valued at {$200.00} in total, as well as a capture card valued at {$420.00} on XXXX through a second CitiBank card on which I am an authorized user. Both the gift cards and graphics card were delivered to individuals in XXXX, Florida, yet I live in North Carolina- this confirms that I did not make these purchases. 

I reached out to CitiBank to dispute these charges as fraudulent charges. While they first reversed the charges, they eventually reversed their initial credit and claimed that the initial dispute that I filed mismatched my explanations and had conflicting statements ( this was due to their software not having " fraudulent charge '' or " fraud '' as a possible selection option when making a CitiBank claim ). 

Citibank proceeded to claim " I indicated that [ I ] accept responsibility for this charge '' - I never did, since they were not mine. As a result, they closed the dispute and ruled against me, forcing me to pay for these items without an explanation. After calling the bank, a customer support agent told me I had waived my right to dispute these charges.
Complaint sub-issue: Reporting company used your report improperly

Equifax was subjected to a cyber hack, and while this was not their fault, they waited over 90 days to report the breach to the consumers and all that were affected. During this time period, it 's unknown how many people were affected and credits destroyed by possible identity theft.
Complaint sub-issue: Account terms

I open an account with XXXX with medical protection however, I was not able to pay because of medical issues. After a period of time I paid off the account in full thinking I was covered from bad credit reporting however, I was told my account was sold as a bad debit. I disputed the account with Equifax because it stated that I was charge off XXXX balance however, in my dispute I request that they change the reporting to paid charge off! they refused. I do try to pay all my bills even charge off ones. This is causing me points on my credit score for no good reasons. I personally believe they sold my account to keep from paying for medical protection.
Complaint sub-issue: You never received your bill or did not know a payment was due

I was shocked when I reviewed my credit report and found late payment on the dates below : Huge variations on the late payments between all the 3 major credit reporting agencies. 

XX/XX/2017 XX/XX/2017 XX/XX/2017 XX/XX/2017 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.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Checking my report and I noticed some inquires on my report that Im not aware of. I never called in about anything neither gave someone my consent so as you know anything reporting inaccurate on my report should be removed as the FCRA states ... please take my situation seriously Im trying my best to become better financially I have to take care of my family. 

Inquires : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax
Complaint sub-issue: Billing problem

BB & T Bank, DBA XXXX XXXX XXXX has been collecting {$500.00} per month from me for the past two years on a simple interest loan. After payments totaling approximately {$12000.00}, my balance has only decreased {$300.00}. I am unable to get any reasonable explanation. This appears predatory. There are numerous consumer complaint websites that report the same idetical problem. Here is one ( I can provide many more ) XXXX XXXX XXXX XXXX XXXX ( copy and paste into browser ) It is alos intersting to note that 27 or 28 consumber reviews on the Better Business Burea website are negative : XXXX XXXX XXXXXXXXXXXX XXXX ( copy and past into browser ). My biggest fear is that BB & T ( XXXX XXXX XXXX ) will just continue to give me phony and nonsensical responses. Because of the large number of identical complaints on the web, I am assuming their business model involves stringing customers along until eventually they have no option to default ( cars CAN NOT BE REFINANCED DUE TO THE NEGATIVE EQUITY CAUSED BY THE BALANCE NEVER DECLINING! ). By the time the consumer defaults and the car is repossessed and sold, BB & T has made it 's money. Strange way to do business. I personally was victimized again when I went to purchase a new car to get out of this loan. I was offered a 2.9 % interest rate. The only way I could have refinance is to have come up with {$12000.00} to cover the negative equity.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2018 I wrote to XXXX/XXXX in regards to them saying I owe them {$2000.00}. I requested " validation '' that is competent evidence bearing my signature, showing that I have some contractual obligation to pay them. And on XX/XX/2018 I received a itemized bill instead of evidence bearing my signature. So on XX/XX/2018 I wrote XXXX/XXXX informing them that they have failed to provide me with a copy of any viable evidence, bearing my signature, showing that the account is being reported accurately. I asked them to provide the name, address, and telephone number, of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. And on XX/XX/2018 they sent another itemized bill stating this account in questioned has been " verified ' with no viable evidence bearing my signature showing the account is reporting accurately.
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.XXXX XXXX XXXX  XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX
Complaint sub-issue: Account status incorrect

My name is XXXX XXXX XXXX and I'm sending this complaint without any help from any Credit Repair Companies. My request for the correction and removal of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 DEPT OF ED Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021
Complaint sub-issue: Their investigation did not fix an error on your report

To Whom It May Concern : This letter is a follow up to my original letter regarding an inaccuracy in your credit reporting. Specifically, as it relates to unauthorized and fraudulent credit inquiries made by the following companies : 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 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. XXXX XXXX   Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation
Complaint sub-issue: Information belongs to someone else

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

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: Card opened as result of identity theft or fraud

Between XX/XX/2022 to XX/XX/2022, a CitiCard Advantage Credit Card was opened in my name. This also resulted in a credit transfer. The transfer amount was undisclosed by Citicard. Citicard stated my personal information and address was sued in this account. Citicard has began an investigation and has closed the fraudulent account. They will follow up with me by letter with a few week.
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 Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
ALL ACCOUNTS ARE HIGHLIGHTED IN CREDIT REPORT SUPPLIED IN ATTACHMENTS 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: Trouble with how payments are being handled

I was credited only seven qualifying loan forgiveness payments for the period beginning XX/XX/XXXXand ending XX/XX/XXXX. However, I made twelve qualifying payments during this time. On XX/XX/XXXX, I sent a complaint to FedLoan Servicing with a detailed breakdown of the payments I had made. I requested a written response by XX/XX/XXXX. That should have been more than enough time to respond. But they have still not responded.
Complaint sub-issue: Account status incorrect

Ive paid the balance to XXXX for my credit card with XXXX  XXXX  but they are reporting negatively on my Equifax report but reporting pays as agreed but in the negative accounts section. I need this corrected and report positively as I paid in full and closed the account at my request as I no longer wanted the charge card.
Complaint sub-issue: Debt was paid

On XX/XX/XXXX I contacted procollect to figire out how much I owed they said I owed {$290.00} bit would settle for {$200.00} if I paid within 24 hours which I agreed and drove to thier business location and made my payment I was told that on the XX/XX/XXXX they would report I had paid in full which they failed to do they they reported I only paid {$200.00} and owed {$95.00} I called them Friday XX/XX/XXXX and immediately asked me to make a payment of {$95.00} which they claim I owed I explained to Mr XXXX what had happend she asked for my email to send me some paperwork stating I don't owe anything which I never received I have proof and receipts to show we settled and that it would be removed from my credit I'm in total shock and disbelief that a business can do this to people who are trying to take care of there owed payments and credit for a company like this to XXXX up my credit just because.
Complaint sub-issue: Reporting company used your report improperly

The purpose of this supplemental complaint is to inform CFPB the initial complaint XXXX was submitted on XX/XX/XXXX and a demand to comply was sent via certified mail on XX/XX/XXXX. It is now XX/XX/XXXX and there has been no resolution up to this date. Equifax has been given sufficient time per the FCRA and they must delete all negative items submitted in the aforementioned complaint due to their inability to verify the late payments. I should also note, that Equifax should not be allowed to use a previous dispute and deem this complaint verified per their last investigation since it has taken more than 60 days to verify and the law states they must remove unverifiable items off consumers credit report within 30 days.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX has items on my credit report that are not mine name is not mine : XXXX XXXX please delete. 

inquiries are not mine : please delete. 

XXXX XXXX XXXX XXXX XXXX CITIBANK N A // 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 XXXX XXXX XXXX XXXX XXXX please delete
Complaint sub-issue: Information belongs to someone else

I've recently disputed these accounts but the major credit bureaus did not take proper action. Nor did the 3 major credit bureaus provide me with any signed physical documentation that will support their reporting as oppose to an electronic Verification inwhich will appear as though the accounts are mines but they are not and until you provide me with physical documentation along with the Method Of Verification, then this accounts shall be blocked immediately and this is my rights as a consumer. Please remove these accounts immediately, [ 1 ] XXXX XXXX XXXX, [ 2 ] XXXX XXXX XXXX {$470.00}, [ 3 ] XXXX XXXX XXXX XXXX.
Complaint sub-issue: Other problem

I had two Discover credit cards XXXX and XXXX. About 15 years ago they started charging me for items that I did not buy. I would call them they would clime it was a computer error. The charges were taken off the one card ONLY to be placed on the other card! I would call them now it was hackers. The charges were finely taken off BUT not the over draft and late fees and the charges rate went up! I quite use both cards.
Next the started transferring money from one card to the other, charging me transfer fees, late fees, over draft fees ...! When I complain about this they would tell me pay or we take you to court.
Complaint sub-issue: Reporting company used your report improperly

Equifax without my consent created and furnished a false credit score.
Complaint sub-issue: Their investigation did not fix an error on your report

Fair Credit Reporting Act Section 611 ( a ) 6 & 7 you are to provide me with your method of verification.

I demand proof that you went through all the proper and logical steps that would have been necessary to verify/validate or refute my dispute. 

Part 6 & 7 : Section 611. Procedure 1 ) The person you spoke with at the bankruptcy court 2 ) Provided me a complete copy of all the information that was transmitted to the data furnishers as part of the investigation as is required by FCRA : 3 ) Who did you speak with? 
4 ) What was the date of your inquiry?

5 ) How long was the conversation?

6 ) What was the position of the individual you spoke with?

7 ) What number did you call?

8 ) What is the name of your employee or their I.D . number of the person that spoke with directly?

9 ) What number did your employee call?

10 ) What is the position of your employee that spoke to the at the Bankruptcy court? 

Equifax did not follow the law, the Fair Credit Reporting Act section Under the Fair Credit Reporting Act Section 611 ( a ) 6 & 7 you are to provide me with your method of verification, I demand proof that you went through as listed above to include all the proper and logical steps that would have been necessary to verify/validate or refute my dispute. It not delete the Bankruptcy from my credit report.
Complaint sub-issue: Account status incorrect

I have already sent multiple letters to the credit bureaus addressing the billing errors that are appearing on my credit report. Under 15 U.S. Code 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank accounts that I didn't pay and was marked late because these are clearly billing errors. Listed below are the accounts in question : XXXX XXXX Balance Owed : {$350000.00} XXXX XXXX XXXX  XXXX Balance Owed : {$920.00} XXXX XXXX XXXX Balance Owed : {$29000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$28000.00}
Complaint sub-issue: Billing dispute for services

I have no knowledge of this account. I am an XXXX XXXX XXXX XXXX and during the time this account was opened I was on XXXX. 
I have opened a dispute with CitiBank and emailed their Corporate Offices and have received no response. I am currently in the process of buying my first home, and these late payments are the only detrimental items currently reflected on my credit report. 

I hope that you will deeply consider my request and I thank you for your time in advance. 

Very Respectfully, XXXX XXXX, XXXX, XXXX.