Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Card was charged for something you did not purchase with the card

I WAS CONTACTED BY THIS COMPANY THAT THEY HAD A BUYER FOR MY TIMESHARE BUT I HAD TO PAY XXXX FOR THE CLOSING COST AND THEN AFTER THAT I WOULD MAKE THAT MONEY BACK PLUS MORE. I SAID OK AND TRUSTED THIS SAID COMPANY CALLED XXXX XXXX XXXX ON XX/XX/13 SO I PAID THEM WITH MY DISCOVER CARD. AFTER PAYMENT WENT THROUGH I NEVER HEARD FROM THEM AGAIN. I TRIED TO CALL THE NUMBER THAT WAS GIVIN BUT NO ANSWER AND I LOOKED THEM UP ON THE INTERNET AND THERE ARE MANY REVIEWS THAT THEY ARE A SCAM FRAUD COMPANY. I CONTACTED DISCOVER CARD SINCE I USED MY CREDIT CARD THROUGH THEM AND LET THEM KNOW ABOUT THIS CHARGE AND THEY GAVE ME THE CREDIT AND THEN TOOK IT BACK AND CALLED ME AND SAID SINCE I DID TALK TO THIS SAID COMPANY AND I DID DO BUSINESS WITH THEM THEY CANT GIVE ME MY MONEY BACK. TOLD THE CREDIT CARD REP THAT THEY ARE A FRAUD COMPANY AND THEY SCAMMED ME OUT OF MY MONEY I AM YOUR CLIENT THROUGH DISCOVER AND YOUR NOT GOING TO BACK ME. DISCOVER REP TOLD ME TO CONTACT THE SAID COMPANY I TOLD THEM I TRIED BUT THERE WAS NEVER NO SUCH COMPANY. SO I AM NOW FILING WITH YOU AGAINST DISCOVER.
Complaint sub-issue: Problem accessing account

PNC will not allow me to link my account with a 3rd party of my choice.
Complaint sub-issue: Account status incorrect

I am disputing the reported delinquency regarding the XX/XX/XXXX payment that was reported as delinquent on loan, XXXX. 

I just spoke with XXXX XXXX XXXX XXXX XXXX XXXX representative, XXXX, regarding the delinquency that was reported to the credit bureaus. She read through the notes of the previous calls that I made to customer service. I called customer service in XXXX and XXXX of XXXX. During the initial calls, there was never any mention of a required payment before the mortgage payments were transferred to the new servicer XXXX XXXX XXXX XXXX XXXX. I was never made aware of the delinquency. I did however verbally complain, siting the same regulations, and have yet to have the correct made or receive an apology. 

My mortgage payments were initial setup through your company. When I received the notice of transfer, I went to the XXXX site and the account was already showing on the dashboard. The next payment was due XX/XX/XXXX. I have attached the transaction history and proof of payment on both loans to USB. I spoke with XXXX, customer service rep for XXXX, and he stated that both loans show an acquisition date of XX/XX/XXXX. Every payment since then has gone to XXXX. 

As you can see in the enclosed attachments, my first and second mortgage were initially servicing by XXXX. The first mortgage lists the delinquency. The second mortgage however does not show as delinquent. It lists that it was closed on XX/XX/XXXX and my last payment to XXXX was on XX/XX/XXXX. 

While reviewing my credit report on XX/XX/XXXX, I noticed the negative or adverse reporting made by XXXX. I immediately contact XXXX to dispute the incorrect reporting, and will be contacting the other 2 today, XX/XX/XXXX. I then contacted XXXX. There is no record of my previous complaint, nor was there a written response/resolution. 

I closed on my home on XX/XX/XXXX. My first payment for account XXXX, was due XX/XX/XXXX. I made XXXX payment to XXXX : {$920.00} first mortgage {$84.00} second mortgage web payment from XXXX to XXXX XX/XX/XXXX. The enclosure from XXXX  shows that XXXX reported XXXX XXXX as delinquent on XX/XX/XXXX. I would love to know how and why, XXXX is reporting XXXX, XXXX, and XXXX as Pays as XXXX. And then shows delinquent on XXXX payment. Especially when the account for XXXX, XXXX  shows Pays as XXXX. I received a notice of transfer and all subsequent payments have been made to XXXX : {$920.00} first mortgage {$84.00} second mortgage web payment from XXXX to XXXX XX/XX/XXXX. 

The following regulations have been violated : FCRA, RESPA, FDCPA, TILA, & UDAAP. By the end of the day I will submit disputes with all three credit bureaus. I have also contacted Results Mortgage to let them know about their 3rd party vendor. Perhaps they will be reviewing their contract with XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

After careful review of my credit report, I disputed a public record on my credit file and asked that the credit agency send me information on how this account was verified. I have send two letters requesting this information and all they will send me back is that the item was verified. They have ignored my request and sent back information that is not accurate. They have acted in bad faith and not complied with the Fair Credit Reporting Act. They have sent that I have a derogatory credit status when I have over 11 accounts with 100 % on time payment history. XXXX loan accounts PAID in full. I have worked hard to improve my credit and if they are not going to keep the file accurate it is Defamation of character, negligent on their behalf.
Complaint sub-issue: Account status incorrect

Upon reviewing my updates, incorrect information was found in my reports. The XXXX 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 is the account that is reporting on my Credit Reports : XXXX XXXX XXXX : {$4600.00} Date Opened : XX/XX/2018
Complaint sub-issue: Old information reappears or never goes away

As part of a Chapter XXXX filing on XX/XX/XXXX XXXX mortgage was a creditor discharged. I discovered that XXXX had reported credit activity after having been discharged. The activity was reported to and published by Equifax. Although the creditor was discharged over 7 years ago and there was no reaffirmation agreement, Equifax chose to publish the information. Upon notifying Equifax of their reporting violation, they acknowledged knowing the Chapter XXXX Bankruptcy date yet misapplied and misrepresented the reporting period for creditors discharged in Chapter XXXX. While I fully agree that the " record of bankruptcy '' will remain on my credit record for 10 years from the filing, the actual credit activity for the creditors themselves only remains for 7 years and NOT 10. The Equifax supervisor " XXXX '' in the Resolution Department stated that if XXXX reports the activity, Equifax would include it on my credit report. She refused to provide a work ID or last name and only identified herself as XXXX. The representative then repeatedly stated that all the activity in the bankruptcy would remain for 10 years which is false. I repeatedly stated to her that there was a difference between a record of a bankruptcy remaining on my consumer credit report for 10 years and the creditor and credit activity additionally remaining for 10 years. The activity of a creditor should actually be deleted after 7 years from occurrence or the Chapter XXXX date of filing, whichever occurred first. If there is credit activity on the account after the Chapter XXXX filing or discharge date, the activity should NOT be reported or published unless the debt is reaffirmed. Mine was not reaffirmed. Equifax has an obligation not to repeat the mistakes of creditors and additionally should not misinform consumers regarding the law. Their ignorance has caused me much duress and time in trying to resolve the matter. I am seeking a home modification and this is adversely affecting the process.
Complaint sub-issue: Reporting company used your report improperly

Equifax provided false credit scores to lenders, affecting millions of consumers. I applied for credit and was denied. Their reporting of false information is hindering my ability to obtain credit which also places a hardship on my livelihood.
Complaint sub-issue: Problem using a debit or ATM card

I recived an email from my school regaridn a work form home oppturnity. I sent an email to it and shortly after i recived a text message from this guy name XXXX XXXX XXXX. He told me this was a work from home oppturnity and i would need to be his personql assistant. He sent me a checkfor XXXX and to depaoit it into my bank acocunt. After i did that he told me to trandfer those funds via XXXX to other XXXX  for work related stuff. I sent him that moneg back. Then i found out that my citibank account was blocked becuasr this was a fruadlent check and i was a victim of scamm and fraud. My citibnak account was closed and my own money was. Taken from me. Citibank told me to file police report which i will be doing shortly and report this fruad. I need my Citibank account opened and i need my money. Please help i have all the evidences. The text messages the emails. Citibank is telling me that my acocunt wont be opened and my own money XXXX wont be given back. Please help me
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/2020. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX  on XX/XX/2020 ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : ( XXXX XXXX ). 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is ( XXXX XXXX XXXX XXXX, CA XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : ( XXXX ) as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.
Complaint sub-issue: Reporting company used your report improperly

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Debt was result of identity theft

Equifax needs to block and remove these fraudulent accounts immediately because someone hacked into Equifax system and stole my identity. The following accounts were opened due to identity theft : 1. XXXX | XXXX 2.  XXXX XXXX  | XXXX 3. XXXX XXXX XXXX XXXX | Balance : XXXX 4. XXXX XXXX XXXX XXXX | Balance : XXXX I have attached a copy of my police report as well as corresponding documents from XXXX stating for Equifax to remove and delete this fraudulent account from its system. Equifax has also violated my rights be reinserting recently deleted accounts from my credit report without notifying me within five days. I am going to sue Equifax for violating my rights and report them to XXXX XXXX XXXX  as well as Attorney General Office.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I have talked to this company multiple times over the past 6-8 months trying to resolve this issue of fraud. All I get is transferred from one hard to understand person to another and then wind up back at the beginning. I can not get any resolution whatsoever. I sent them a copy of my police report but to no avail. 

In XX/XX/2020 an UNAUTHORIZED payment of {$4500.00} was made on my account and then subsequently recalled. When I called to ask about it, I was told that it was made with a fraudulent check but no one could tell me anything else. This put my account over the limit and I am being held responsible for it. I can not get resolution but I am expected to make payments each month or I am reported to the credit bureaus.
Complaint sub-issue: Card opened as result of identity theft or fraud

Back in XXXX I noticed a credit inquiry on my credit report from Upgrade. I have never applied or even had any business with them before, I had to look it up online to see what it was and I noticed it was a credit company that does lines of credit and credit cards. I called them and was transferred to the fraud department. They stated that there was a line of credit in my name and they cant close the account that was opened because they needed to investigate this. I have called multiple times and sent an email with no response back. They have told me they are sending me emails requesting information which I still have not received. I then noticed there was charges on this line of credit that are odd and nothing I have ever spent. I was able to log in to the account with my email and changing the password and I seen charges for a newspaper and then a large purchase for XXXX and The XXXX XXXX. I have never bought or used any of these companies nor do I even know what they are. There was a high balance and then payments were made and then this month I noticed this company took a XXXX $ payment out of my bank account and they had set me up for direct draft monthly to take out payments with my bank account information. I have spoke to XXXX and reported this as fraud on all my credit bureaus. I still need to file a police report but I didnt know that until this week when I spoke with a lady from XXXX. I have tried to speak with the company Upgrade and they are refusing to do anything about this. I really hope this site can help me get this off my credit and settle this fraudulent account. I feel like I am a victim of Identity Theft!
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself. Despite the multiple previous written requests, the items listed below still remain on my Equifax credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( XXXX XXXX XXXX  )
Complaint sub-issue: Personal information

On my Equifax credit report, there is a XXXX XXXX XXXX XXXX XXXX, Tx XXXX address listed that I have never lived at. I have lived at the XXXX XXXX, XXXX XXXX address and the XXXX XXXX XXXX, XXXX address but not the XXXX Tx address. Please look into the XXXX address and see why that address is showing up under my name.
Complaint sub-issue: Information belongs to someone else

I just pulled update of my credit report I already sent you few rounds of complaints, like I said before I dont know any of these accounts. I never apply for it. Why you still posting this information on my name. Im sure that someone have my personal information.
Complaint sub-issue: Company closed your account

1. The undersigned requests a review and consideration of the information provided associated the financial delinquent account with CITI Bank. 
2. While XXXX in support of XXXX XXXX XXXX XXXX XXXX XXXX on or about XX/XX/XXXX CITI Bank breeched an agreement based on the Service members Civil Relief Act ( SCRA ) by closing my account and compounding additional interest based inaccurate information. I called and fax my military orders to them informing them that I will be deploying. 
3. While XXXX I manually paid all of my debts telephonically, to include CITI Bank. 
However, after being XXXX for 90 days I received a letter stating that my account was closed. Knowing that my account was current I attempted to contact the merchants customer service, however the call could not be placed from my current austere environment in XXXX additionally this was as the United States was shutting down as a result of the XXXX pandemic it was extremely difficult to get assistance. After many attempt trying to reach customer service, waiting in excess of an hour my communications within the XXXX XXXX XXXX ( XXXX ) would cut out and leave me to restart the process again. Going through the process two to threXXXX time per week, I was finally successful in reaching a customer service representative approximately XXXX or XXXX of XXXX. The representative confirmed that my account was closed and that it had been placed into a collections status. I attempted to further explained the circumstances surrounding my payment history during our conversation she was able researched the account and establish that the subjective delinquencies occurred as the delinquency letter was being sent out but I only got the letter 45 days later in XXXX by than it was too late. The call garnered no new information so I requested to escalate the matter to a supervisor. I felt if I explain the situation then they would fixed the situation about allowing this to go to collection when it was not supposed too. Months went by after redeploying and still under the pandemic I was able to talk to someone that explain to me what they think happen. The account was current but because I was only making minimum payments and was not utilizing the card they had the right to cut it off. Understandable but my concern was why they put it in collection. They could not explain that only telling me that they were sorry. The gentleman did confirm he saw where I sent my order in requesting to be enrolled in XXXX. Explaining to him been enrolled should have prevented that from happen. Again I am sorry and there is nothing else I can do was the final answer. After hearing this I enrolled with XXXX XXXX XXXX to get assistance with the matter I was advise to get in touch with the collection agency explain my situation and they would do their best to get it settle. I have attached my military orders showing proof that I was XXXX during this time and tried to resolve the problem but I was unsuccessful, because they would not work with me on this matter.
Complaint sub-issue: Debt is not yours

I already demanded a proof of how you dealt with the information that you indicated in my credit report. Again, you can not prove any of the information mentioned in the past credit report that I contested with.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent a letter regarding inaccurate & unknown things on my credit report. To this day over 30 days later I have not received a response yet. I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the Equifax data breach & may have got into the hands of the wrong person.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX has violated the Dodd -Frank Wall Street Reform and the Consumer Protection Act. Specifically by demanding and lying about payment. They are reporting false statements to the credit reporting agencies and i quote " Paying under a partial payment agreement " There's absolutely no payment agreement, I'm demanding a physical copy of this so called agreement. Here 's the correct history inwhich still doesn't make sense. Account opened XXXX, Then they say last payment was on XX/XX/XXXX. And the report also stated that this account closed XXXX, excatly one month later. Then at the same time the account was closed. Again XXXX XXXX XXXX XXXX has violated. In XX/XX/XXXX this account was removed fron my creut file, but then reinserted back on my credit file inwhich was illegal if you didn't notify the consumer of this within 5 business day. And again no one notified me about doing so. Im demanding that XXXX XXXX remove this account immediately from my credit file. 

Please remove the following 1 ) XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account.
Complaint sub-issue: Trouble with how payments are being handled

I made a loan payment of {$800.00} to FedLoan servicing on XX/XX/2022. This payment has been " processing '' since then and my loan servicer is now another provider ( XXXX XXXX I have tried calling and emailing FedLoan and can not get ahold of an agent.
Complaint sub-issue: Deposits and withdrawals

I had to open a US bank reiacard to receive Unemployment payments. First issue came about a month later when I attempted to make to second transfer of funds to my local bank, JSSB. The first time I transferred, there were no issues. Now I have my account locked and funds frozen. I called the customer support on the card and spoke many times with someone who explained to me that I needed to verify my Identity. This was started XX/XX/2020. I have faxed over the appropriate information that was asked of me. After 10 days, I called again and they received nothing is what they said. I have sent them over again on two other separate occasions. But now I'm wondering if I was even talking to the right people and had sent over my copied valid drivers license. No one has been able to give me an answer. I call and ask to speak with someone and get deliberately hung up on. Would like to know what is going on and how to access my funds and accounts. I need that money, I have bills to pay. PLEASE HELP.
Complaint sub-issue: Information is not mine

Equifax is reporting a XXXX account ( beginning with XXXX ) with negative information for which I was only an authorized user. This account was my wife 's account and I had no payment responsibilities at all. I have disputed the account with Equifax XXXX and also directly with XXXX. XXXX have correctly removed this account from my credit report, but Equifax has failed to do so in spite of my attempts to correct the erroneous reporting. This negative reporting is affecting my ability to obtain necessary financing.
Complaint sub-issue: Public record information inaccurate

I show XXXX bankruptcies on my credit report. I contacted the court and their response is enclosed. It is clear they do not report to any credit bureaus ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA XXXX XXXX XXXX XXXX. XXXX ) and the information must be deleted immediately. I have enclosed my letter to the courts and also the courts response. I am also disputing this information with XXXX XXXX as to my understanding XXXX XXXX is the company that provided this information. I have contacted all of the credit bureaus and advised of this and I received responses from all of the credit agencies that they will not remove the items from my report.