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

Dispute ID : XXXX Date Amount Description XX/XX/2022 {$710.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX has XXXX their website that they will send a free return shipping label if merchandise is damaged or defective. XXXX refused to send me a return shipping label to send this item back. I sent pictures to CITI with the damaged item, I got a monitor that had a screen crack in it. I also sent pictures showing XXXX 's return policy. XXXX is violating their own return policy by not sending me a return label. Citi closed the dispute against me saying : We previously requested necessary information from you concerning this dispute. We did not receive proof you returned the merchandise and details of how the merchandise was defective or otherwise unsuitable. I sent in information showing XXXX 's policy is to send me a return label. THey never sent XXXX so I can't send it back. I sent in photos and the statement that the monitor was damaged. There is a large crack in the monitor screen. I did everything asked of me. I want my {$710.00} back. I am very unhappy with Citi who I have used for many years.
Complaint sub-issue: Public record information inaccurate

It states on my credit report that I have been evicted from XXXX XXXX XXXX XXXX  NY XXXX XXXX It also states that I have 2 judgements
Complaint sub-issue: Their investigation did not fix an error on your report

In accordance with the Fair Credit Reporting act XXXX - XXXX l has violated my rights. Under 15 U.S.C 1692 b ( 2 ) ; Under 15 U.S.C 1692 b ( 5 ) and Under 15 U.S.C 1692 c ( a ). Also 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. 
Equifax Credit bureau is currently reporting inaccurate information on my report such as multiple inaccurate names and addresses that are not mine, account status shows Date Opened is inaccurate, Date of Last Activity is inaccurate and missing data. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. Equifax is not practicing Metro 2 Compliance? These are clear FCRA violation and is grounds for immediate deletion.

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate information. '' 1. Please DELETE inaccurate or fraudulent names off my credit report below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. I have been a homeowner for over 20 years. Please remove all incorrect or fraudulent ( X ) addresses off my report, as they are not deliverable to me by the U.S. Post Office, and they are not reportable as per the FCRA, since they are inaccurate
Complaint sub-issue: Their investigation did not fix an error on your report

Dear CFPB please find attached with this complaint copies of the results of the investigations that Equifax and XXXX  initiated into this medical account after i had inquired that they provide me with process of ensuring accuracy. As you will notice on the copies from XXXX  the above named account has been deleted because XXXX  conducted a proper investigation and has determined that this account is reporting inaccurately. Equifax on the other hand has not investigated the account but sent me a response back lying they did and the account has been verified as been accurate. Equifax responded back to me the same day they received my mail. this account is inaccurate and must be deleted from my credit report.
Complaint sub-issue: Public record information inaccurate

After viewing my credit reports I noticed accounts on my reports that were fraudulent under a bankruptcy. I filed an identity theft report with the Federal Trade Commission about these accounts. XXXX, Equifax and XXXX  removed the fraudulent accounts under this bankruptcy, but left the Bankruptcy on my reports with no accounts attached or any other verifiable information. I have sent several dispute letters to each credit bureau demanding the removal of the unverified and inaccurate information on my credit reports. The bankruptcy is reporting an account number and bankruptcy court information on all 3 credit bureaus. They have failed to verify that this bankruptcy belongs to me. They have failed to contact the Original source of the information which is the Bankruptcy Court. I contacted the Bankruptcy Court and was told they do not give any personal information to any third party source. I also asked them about the account number reported on my credit report and was told they can't tell me who's name it is because of confidentiality even though it's public record. They took my Driver 's license and said that it wasn't my name under that account number. I explained this to a representative at XXXX. I asked the above credit bureaus to verify my name and full social security number for the bankruptcy and they failed to do that. XXXX sent me a letter asking for my drivers license and social security card, I submitted the information to them.
Complaint sub-issue: Other problem getting your report or credit score

For the last year I've been trying to access my Equifax amount and it keeps saying it encounters a problem to call. I call and they say do the forgot user and password, I do Everytime and Everytime same thing, please call Equifax. I've been on hold countless hours, been hung up on, been transferred, told well I don't know what to tell you etc. I can't even dispute inaccurate info, see scores, amounts, nothing. I need to be able to verify the info as accurate. Please help XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I had opened a secured credit card in XX/XX/XXXX and I decided to close the account and paid the balance in full {$190.00} in XX/XX/XXXX. After that I disputed the debt because the unpaid balance of {$18000.00} appear in my Credit Reports. I tried to validate the debt two times and they were not providing the details. I dont recognize the purchase transaction that happens in XX/XX/XXXX, and other unexplained transactions that appears after that. 

Also, I want to mention that after the account was satisfied they started to accumulate late fees until XX/XX/XXXX that results in the balance of {$18000.00}. 

I initiated an investigation and in XX/XX/XXXX then Citi sent me a letter receiving the dispute, but until today I have never received an explanation about the transaction details. After that some communications were sent and calls done but were not successful to resolve the issue. Last call was done in XX/XX/XXXX and they said they can not retrieve any history and they didn't have the transactions in their systems. Instead they are asking me to provide the documents. 

Under my knowledge I paid the account in full in XX/XX/XXXX and I have never received the {$200.00} secured deposit.
Complaint sub-issue: Debt was paid

I had a bundled internet, cable and phone deal using XXXX for phone and internet and XXXX XXXX XXXX ( XXXX ) for cable. Upon canceling the service, I received a final bill for all services and wrote the check directly to XXXX, as normal. In a couple months, I received a 30 day past due notice from XXXX XXXX XXXX saying my final payment of {$210.00} was not received. I called them and XXXX to complain and was told it would be rectified. More than a year later, a collection notice was put on my credit report for {$210.00}. I disputed the account and the debt was removed from my reports. About a year later, the same {$210.00} collection was put on my report, this time with a new collection agency. I called XXXX XXXX XXXX and they agreed it was likely XXXX 's fault and removed the collection. Now, I again have the same {$210.00} collection added to my account. This time I called XXXX XXXX XXXX and they now refuse to remove it until and unless I provide proof I paid it ( or have XXXX prove they forwarded the payment to them ). This account was paid out of a Sovereign account that has been closed for over 2 yrs and has been successfully disputed twice ( soon to be three times XXXX. I am at my wit 's end with these people. I have never received any collection calls from XXXX, but they obviously did not pay XXXX XXXX XXXX.
Complaint sub-issue: Debt was result of identity theft

I Have identified information in my consumer credit report/ file that is a result of identity theft. These items are not related to any consumer transaction completed or initiated by me the consumer. Please have them removed immediately.
Complaint sub-issue: Account information incorrect

To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX  or XXXX  } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character
Complaint sub-issue: Account status incorrect

Facts : The Bank in Question is named XXXX XXXX Bank aka the XXXX XXXX XXXX 's payment was reported as 60 days past due Bank has my correct email & mailing address on file. 
Bank has my business line, with a robocall blocker, as my primary contact number. 
XXXX Mortgage payment was received and withdrawn from my account on time. 

On XX/XX/22 I contacted customer care because my credit monitoring service notified me of a delinquent account. After speaking with XXXX @ customer service, she found that the XXXX payment was made on time AND withdrawn from my account, but it was short by around {$100.00} due to an increase in the payment due. It seems there was an escrow shortage I wasnt aware of. She informed me that the funds were being " held '' in a suspense account instead of being applied to my loan. 

I immediately made a payment for the shortage AND another payment to cover what would be a XXXX shortage. My payments are automatically paid by my Banks BillPay service, so XXXX payment was already issued. She assured me that the late fee would be waived and that the delinquencies would be removed from my credit by XX/XX/22. I spoke with 3 other XXXX XXXX representatives, over the course of 3 weeks, that assured me the issue would be resolved, but nothing was done, nor did I hear back. On my final call, I told the agent that I would be contacting the CFPB if I did not hear from someone regarding my issue. After a few days, I got a call from the XXXX of Customer Relations, who is named XXXX. She explained that she reviewed my case, payment history, and spoke with her credit department. While she agreed XXXX XXXX received the funds on time, they are still considered late due to the shortage, and they were not willing to do anything to remove the delinquency from my credit. I argued that : 1. I was never called. XXXX said I was called 9 times but I never received them due to the robocall blocker. 2. I was never emailed, which is my primary form of communication, and the way I receive my statements 3. I was notified by mail AFTER the delinquency was reported. 4. The funds were not rejected or returned to me. My primary argument is that if the funds are accepted and withdrawn from my account then the payment can not be late. It is my belief that a partial payment is still an on-time payment, especially when it's 95 % paid. If nothing more, a human being could have contacted me to notify me that I had a shortage. 

I can provide documentation evidencing the on-time payment, but that's not really being disputed by either party. It's that a partial payment, being held by the bank, should not be considered late without being rejected or refunded. If further documentation is needed please let me know so I can provide them. I've kept records of my payment history, bank statements, emails to the bank, etc.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

On  XXXX   XXXX ,    2017  at    XXXX   XXXX   XXXX   XXXX  , I  spoke to a Discover representative  XXXX  to see if Discover would reduce my APR interest rate. He said they could if I voluntarily suspended my account, and it would not affect my  credit score. I explained the reason I opened an account with Discover was to improve my credit score,  that my interest charges were making it impossible for me to reduce my balance. I told him I made over the required payments due monthly and have never been delinquent with my payments. and have not used my card for several months. I did not want to file bankruptcy. He thanked me and stated my  credit score  would not be effected. I received my    XXXX  2 017    statement and my  credit score  was affected, it read  XXXX  it was previously  XXXX . I called Discover toda y    XXXX   XXXX  ,  2017  at  XXXX    XXXX    spoke to   XXXX    XXXX  ;  XXXX   XXXX  told her of my previous conversation she transferred me to a representative named  XXXX   XXXX  ;  XXXX   XXXX  I told her of the previous conversation that I had with  XXXX , and the reason I voluntarily suspended my account was to better my  credit score she was very rude and dismissive she stated we dont do that, go online and check your credit score  I then asked if she would give me the name and address of the  C.E.O.  of Discover bank. She replied What? I repeated th e Chief Executive Officer of Discover. She replied What whos that? I said it would sound a lot nicer to say ex cuse me. She said Ho ld ON!  I held on f or fifteen  minutes, called back  XXXX   XXXX   XXXX  answered again, I asked to speak to her supervisor or Manager She said hold on I then spoke to Supervisor  XXXX  Id #  XXXX   XXXX    XXXX    told of the conversation with  XXXX  and asked if he would give me the name and address to the corporate department of  Discover  he said I can not, gave me  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Utah  XXXX . I asked if he had a physical address to the C.E.O he said no, I asked if there was a  manager  that I could speak to he said there are several managers I asked can you give me a name he said  XXXX   I asked    may I speak to  him he said they dont take calls you can write to the address I just gave you and they will look into it. I then called  F.D.I.C  who referred me to your department.
Complaint sub-issue: Information belongs to someone else

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Complaint sub-issue: Information belongs to someone else

I lost my wallet and my identity was stolen. My information was used for fraudulent inquires. They are all listed below. I would like these fraudulent inquires taken off my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem during payment process

Citi Bank refunded my last payment in the amount of {$500.00} last Friday. It has been 7 days and I have not had the refund post to my bank account. I was told it would take 3-5 business days. It is clear that Citi is holding my money out of retaliation for no reason.
Complaint sub-issue: Received bad information about my loan

I was told this XX/XX/XXXX that my Income based repayment plan would continue as long as I provided my tax information each year. Which I 'm sure I read when I started the XXXX many years ago. However I was never told what my calendar year anniversary was, or a specific date. Rather that I had just to provide my tax info once I had it. Now I realize that each year they 've added interest to my principle while I waited for my tax info to arrive and then to file it. The representative at Nelnet never stated a specific date but just a general statement, He said " once you 've got your tax info turn it in to us to continue with the XXXX ''. I 've just been told today by another representative at Nelnet that my XXXX lapsed for a period and over {$3000.00} has now been added to my principle and there 's nothing that can be done about that.That 's equal to or more than I will make in payments ... I can only guess that this has happened each year and they just gladly applied that to my principle but never called me to state if we do n't get " X '' information by this date you will get booted from the IBR. This is a terrible and deceptive business practice.
Complaint sub-issue: Investigation took more than 30 days

I have found a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
Complaint sub-issue: Reporting company used your report improperly

I am disputing the following items on my Equifax consumer report ( credit report confirmation # XXXX ) under the basis that Equifax did not follow the permissible purpose law under the Fair Credit Reporting Act. 

Accounts : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Bank XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXXXXXX XXXX Hard inquiries : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX " ( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. '' According to this definition Equifax is a consumer reporting agency because you have assembled and furnished my credit information. Seeing as how you are defined as a consumer reporting agency you are subject to following FCRA guidelines which includes permissible purpose.

15 U.S. Code 1681b - Permissible purposes of consumer reports : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

If you can not provide me proof of my written instructions giving you permission to furnish each of the following 16 items I mentioned in the beginning of this letter then I request that you delete the accounts and inquiries immediately.

15 U.S. Code 1681n - Civil liability for willful noncompliance says that : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} According to the Civil liability section of the FCRA it says that I am entitled up to {$1000.00} per violation, If you can not prove that your agency had permissible purpose then I would like a settlement of {$16000.00}. ( {$1000.00} per violation for the 16 items i disputed )
Complaint sub-issue: Card was charged for something you did not purchase with the card

XXXX an XXXX grandmother and was a victim of a coordinated fraud attack which began on XX/XX/2022. My Macys American Express card, while in my possession and under duress was used to purchase {$34000.00} worth of Macys gift cards in various Macys stores throughout XXXX XXXX. I was contacted by an individual over my cell phone who claimed to be from my local banks fraud department. While under near constant supervision via my cell phone, they urgently instructed me to go to several retailers, including Macys department stores and purchase {$500.00} gift cards. The told me they were working directly with Macys and to not speak about this to anyone, including friends and family. All charges from occurring on XX/XX/2022, totally {$9000.00} were completed by myself but were fraudulent from the beginning. 
Why did Macys a store Ive trusted for years let me down? Why dont they ask questions about why Im purchasing so many gift cards? Why didnt they know that gift card scams target elderly individuals such as myself? Were they never trained in such matters? Why didnt the fraud alarms kick off and put a lock on my card? 
Ive learned a lot since XX/XX/2022. Especially after reading several published articles from the Consumer Finance Protection Bureau and the Security and Exchange. Where was Macys and XXXXgroupss fiduciary responsibility to its elderly customers?
Complaint sub-issue: Their investigation did not fix an error on your report

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX : {$350.00} XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Information belongs to someone else

There are a couple of counts on my credit that do not belong to me. Can you please remove them. Thank you.
Complaint sub-issue: Information belongs to someone else

Second Request : I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. 
This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.
Complaint sub-issue: Debt was result of identity theft

this year i checked informed by credit reporting application XXXX XXXX that a collection account was put my credit report that i did not open and has greatly affected my credit score and is now stopping me from obtaining suitable housing