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

To whom it May concern ; I file this complaint, because I was a victim of fraud through a store in the XXXX XXXX, which sells the XXXX product, apparently the young woman who sold me the product, used my credit card to continue using it without my authorization and is reflected in my bills of the XXXX Master Card shop your way credit card. Due to fraud I call the customer service and cancel the credit card. I made the complaint, the investigation was done and the fraud staff of shop your way credit card sent me a letter with the solution of my case and " they eliminated the charges, interests, etc. '' The situation now is that the account number of the solution is not the account number of the card where the fraud was made, apart from the company shop your way, they change the number of the card account where the fraud was made, and they put another account number without my authorization, apparently now I have three different accounts and all with my name and address. Every time I call customer service XXXX they tell me that I have three cards when I only had only one, the one I canceled for fraud. It turns out that I sent my payments to this account and they charged me. When they sent me my account statement, I didn't notice that my payment wasn't going down, and I realized that the bill account number is different from the real number of my account. I have so much confusion, and so much trouble with these people from shop your way that now I feel that they are also making me fraud, that's why my complaint. I have not sent any more payments because I feel they are robbing me. I have not seen that they have eliminated any charges, because the account that appears in the solution letter is another account number. I need you to investigate them please, thank you!
Complaint sub-issue: Account status incorrect

The 3 major credit bureaus are erroneously reporting an account and it must be fixed. I have been disputing some XXXX XXXX XXXX accounts with the bureaus because they were included in my bankruptcy but they continue to update. I have gotten in contact with XXXX XXXX XXXX and received a letter saying they were sorry and they would get this update in XXXX XXXX. However, when I look at my credit it has been updating every month. This is a violation of my bankruptcy stay and this account must stop updating.
Complaint sub-issue: Billing problem

This is regarding : https : //myaccount.mechanicsbank.com/paymentcenter There is a yellow bar that has the previous payment schedule at the top of the screen. This should be removed and placed in a different location. I thought I had already made my auto loan payment because I clicked confirm and continue and saw the confirmation on top, however, I did not press submit because I thought the confirmation at the top was for the current payment. It's really confusing and made me miss a payment and messed up my checking account and relationship with my husband. Please fix this!
Complaint sub-issue: Information is not mine

Equifax is not responding to my requests to investigate and remove one account from my credit report that does not belong to me.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX, I logged in to XXXX XXXX ' website on my XXXX to purchase an airline ticket for my daughter. When I submitted the purchase, I received a " transaction failed, try again '' notice. I waited a few minutes, and tried again, with the same result. I was watching some TV, so I just continued to wait a few minutes and attempt to purchase the ticket again, for a total of XXXX attempts. All XXXX reported " transaction failed '' messages. I finally went to my XXXX computer in my office and successfully purchased the ticket. When my credit card statement came, I had XXXX charges from XXXX XXXX. I contacted XXXX to let them know of the website errors and the XXXX erroneous charges, but was told that because the flights were non-refundable, they could only issue me a partial airline credit. That was unacceptable to me, because I never believed that I was purchasing more than XXXX ticket due to XXXX 's website errors. Also, I had to use my partial credit within 90 days, which has now passed. I would never fly XXXX XXXX again after the way they've handled this. 
I filed a dispute with Citibank, my credit card company. After several months of back and forth, document sharing, etc., Citibank informed me today that they are unable to require the merchant to issue credit to my account. So I have now paid 7 times for XXXX airline ticket.
Complaint sub-issue: Their investigation did not fix an error on your report

Conn Credit Corp is incorrectly reporting two a accounts on my credit file. Conn Credit Corp has repeatedly denied my request for deletion. Both Conn Credit Corp accounts have met or have exceeded the 7 year deletion date of first delinquency. Conn Credit Corp has manipulated and/or erased non-payment history in order to prolong the life of collection on these accounts on XXXX and XXXX.
Complaint sub-issue: Personal information incorrect

Send a personal information update letter to all 3 bureaus on XX/XX/2022. Haven't received nothing back from Equifax and XXXX as of yet. But received a letter back stating that this is not me the letter is attached for prove also send a copy of State ID and Utility bill showing proof of address. They are stalling me out and not trying to update my information even with the State ID and Utility bill showing proof of address.
Complaint sub-issue: Information is missing that should be on the report

I printed my credit report called XXXX XXXX  on XX/XX/XXXX. I spoke to XXXX at the Consumer Financial Protection Bureau on XX/XX/XXXX. Last year when the Credit Breach happened to Equifax I became a member of XXXX XXXX. Between XXXX XXXX and XXXX XXXX they show my credit history is 6 years in the making. I have a XXXX XXXX Account that reports to all 3 Bureaus Equifax, XXXX, and XXXX every month. I have had this account since XX/XX/XXXX. That's 7 years and 10 months. I have a XXXX XXXX Account since XX/XX/XXXX. That's 16 years and 2 months. I also have had a XXXX XXXX Account since XX/XX/XXXX. That's 12 years and 2 months. I have XXXX XXXX  and their credit Monitoring shows my 16 years of perfect credit. Never late, never missed a payment, never paid one cent of interest. I printed out the credit XXXX XXXX and XXXX XXXX from Equifax and XXXX XXXX only give me credit for 6 years even though these companies report monthly and they are on the XXXX XXXX. All I'm asking is to give me the years ive spent creating a wonderful history for myself. Please fix this. I'm waiting for the letter from you so I can send copies. Thank you for your time. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Fl. XXXX ( XXXX ) XXXX
Complaint sub-issue: Problem using a debit or ATM card

I received this text today : XXXX XXXX  : Your ClTldebit is Temporarily Frozen due to unusual activity. Review recent activity XXXX XXXX XXXXXXXX to unlock or visit your local branch. 

I immediately called my bank using the number from my Citibank app and they said it wasnt them that sent the text and there wasnt anything wrong with my account.
Complaint sub-issue: Investigation took more than 30 days

I spoke with XXXX XXXX XXXX in regards to an account that was allegedly mine. I asked them to validate the information in accordance with 15 USC 1692g and they were unable to do so but instead sent a statement simply implying that I owe the debt. I responded with a second letter of validation and they sent the same statement. I contacted the credit reporting agencies and told them they are inaccurately reporting this account and to remove it in respect to 15 USC 1681 in which they responded with filing a complaint with you, CFPB.
Complaint sub-issue: Debt is not yours

i do not know what this debt is, i never opened a XXXX  account in XX/XX/2018, i did an XXXX  dispute and they wont take it off my credit report. i've had XXXX  for 7 years. 

Account Name Original Creditor Open Date Balance Debt Contact Information XXXX  XXXX XXXX  XXXX XXXX XXXX XX/XX/2018 {$730.00} {$730.00} XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Complaint sub-issue: Debt was result of identity theft

The account was removed and now has being reinserted back onto my credit report without my knowledge of this account. I've proof of account showing deleted and reappearing. Per account I've no contractual obligation to pay this company. I advised this collection to be send back to the original creditor
Complaint sub-issue: No notice of investigation status/result

Fraudulent inquires have posted to my credit file I did n't NOT Authorized I should have police reports on file with company as I 'm an victim of ID Theft this is FRAUD and I 'm demanding these Inquires be removed ASAP!
Complaint sub-issue: Not given enough info to verify debt

On XX/XX/XXXX I sent a notarized affidavit to Recorder of Deeds in the county of XXXX County, XXXX, XXXX stating the following : I have received correspondence from the XXXX credit bureaus : XXXX, XXXX and XXXX that they verified this account HUNTER WARFIELD via phone, email or fax. 
I acknowledge this account/debt was established without my knowledge and I have no contractual agreement with HUNTER WARFIELD ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ). 
On XX/XX/XXXX I received official correspondence from Recorder of Deeds in the county of XXXX County of XXXX, XXXX, ( XXXX XXXX XXXX, Clerk Superior, State and XXXX Court, XXXX County, XXXX ) stating that they do not report to the credit agencies listed above " Our office does not provide any information to credit reporting agencies. You will need to contact the credit reporting agency in order for them to update their records. '' On XX/XX/XXXX I sent legal notarized affidavits from XXXX County, XXXX to XXXX, XXXX and XXXX stating the following : To the Following : XXXX, XXXX XXXX, XXXX, XXXX XXXX ( XXXX. XXXX XXXX, XXXX, XXXX XXXX ) XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX ( XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX ) XXXX XXXX XXXX XXXX , XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX ( XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX ) This is an unverified account. I acknowledge this account/debt was established without my knowledge and I have no contractual agreement with HUNTER WARFIELD ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ). 

On XX/XX/XXXX I then sent copies of these legal affidavits, the XXXX County Deeds Office letter, and a letter informing HUNTER WARFIELD the following : I do n't know anything about this debt please send to the Original Creditor. 

As Resolution of this complaint, I ask that HUNTER WARFIELD stop all current and future correspondence with me and their company be erased from my current credit report. 
Thank You, XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

15 U.S. Code 1681i A 1a 15 U.S. Code 1681i A 4 15 U.S. Code 1681e - b 15 U.S. Code 1681 - 1 15 U.S. Code 1681 - 2 15 U.S. Code 1681 - 4 On XX/XX/XXXX I disputed a negative item directly through XXXX and Equifax that was furnished to my consumer reports by XXXX XXXX on behalf of my former employer/landlord XXXX XXXX XXXX XXXX Apartments on XX/XX/XXXX. 

In my dispute I provided proof that the debt did not exist and should have never been in hands of XXXX because XXXX actually owed me money even after this negative item was furnished to my consumer reports. 

On XX/XX/XXXX, This item was deemed as accurate and was simply updated. There is no way a proper investigation could have been done by either party because the whole account is inaccurate I showed that as an employee, my rent was deducted from my paychecks. My last date of employment was XX/XX/XXXX. I was scheduled to receive my final paycheck XX/XX/XXXX. On that date I received a check for {$0.00}. Even though I was owed money for my PTO. 

I was told they were holding onto my funds for the same alleged debt they assigned to Pro-collect. They sent my account to collections while still owing me money making the debt invalid. 

Upon discovering this Item I reached out to both lumacorp and pro collect to fix the matter and have it removed, and to get the money I was owed. 

On XX/XX/XXXX, XXXX sent me my final paycheck further proving I didn't owe them anything and this account should not exist and violating my rights in so many different ways.
Complaint sub-issue: Problem with customer service

In XX/XX/2022, I satisfied the XXXX XXXX  payment requirement to have my loans forgiven by way of public loan forgiveness. After several months of not hearing back on the status of my forgiveness, I called and was informed in XXXX that Fed Loan servicing inadvertently made a mistake, rejected my application to forgive my federal student loans, and failed to provide notice. 

My name on my federal loans is XXXX XXXX, my maiden name. 

On XX/XX/2022, I called for at least the XXXX or XXXX time to follow up on my application. On that date, after numerous confirmations that my application would be approved, they caught their internal error and then approved my loan forgiveness. They further explained my balance would be forgiven in a matter of days, and that I would receive a letter of confirmation. 

It has now been several weeks. I make calls almost daily to see why my loan balance has not been discharged, despite my approval. No one can give me any information or any timeline. 

Today, Ive been put on hold by XXXX separate people, in excess of hours. No one can provide me information on why my balance has not been forgiven. They say they can not provide a timeline for when this will be done, but have confirmed that I have satisfied all necessary steps for the loans to be forgiven. 

I have called at least three dozen times in the past several months. This delay in performance of loan forgiveness on their end is devastating to me, as I am desperately waiting to have this XXXX plus balance forgiven. This is having a tremendous impact on my credit score, which is in turn, inhibiting me each and every day from moving forward with purchasing a home and a car.
Complaint sub-issue: Old information reappears or never goes away

According to XXXX XXXX XXXX several accounts dated past seven years still remain on my credit reports. This matter is creating stress in my life and preventing employment. I have disputed the accounts and requested for removal but the credit agencies have not removed the old and closed accounts. In addition to that the creditor have submitted false information ( open dates ) on my 3 credit reports.
Complaint sub-issue: Information belongs to someone else

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$9700.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1900.00} ; ( Original Creditor : XXXX XXXX  ) XXXX Balance XXXX {$580.00} XXXX XX/XX/2022.
Complaint sub-issue: Information belongs to someone else

I have been disputing with the 3 Credit bureaus for 5 years that a auto loan appearing on my credit report is not my information and it is also inaccurate reporting. 
XXXX credit bureau is also now reporting a inaccurate bankruptcy on my credit report that is not mines also it is not even appearing on my other 2 bureaus The 3 credit bureaus are refusing to delete these inaccurate items and they are also refusing to send me written verification that these accounts belong to me and I have requested it in writing for years The credit bureaus are damaging my reputation and also preventing me from buying a home for my kids because they are reporting innacurate fraudulent information I want them to delete these negative items immediately so that I can properly take care of my kids They refuse to take the items off
Complaint sub-issue: Account status incorrect

Since XXXX 2010, I have sent over twenty certified letters to both EQUIFAX and XXXXXXXX XXXX XXXX for an alleged debt I believe, beyond a shadow of a doubt, is not mine. To date, either the Credit Bureau or the Creditor have not responded or to update me regarding the investigation status : EQUIFAX : a ) XXXX XXXX XXXX Acct No. XXXX
Complaint sub-issue: Information belongs to someone else

I have sent dispute letters to each bureau to have IQ Data Int ( original creditor : XXXX XXXX XXXX XXXX TX ) in the amount of {$13000.00} reporting to XXXX, XXXX and XXXX Removed immediately. The dates do not match up which is a violation. It has been more than 30 days and bureau has not responded with my results. I would like to have this collection removed immediately
Complaint sub-issue: Debt was result of identity theft

I have disputed this collection letting them know that I did n't authorize this account. They 're continuously telling me that the account is verified, which it ca n't be because I 've never signed a contract with them. I had never applied for anything with this company until about a month ago and got denied saying that I 've already had an account with them which I never have. Im in the process of trying to purchase a home and do n't need anything negative on my credit report preventing that from happening, especially if it 's something negative that I did n't authorize or have no knowledge of.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

XX/XX/XXXX and XX/XX/XXXX XXXX  deposited funds into account. On XX/XX/XXXX when calling number listed on back of card. Automatic recording stated a card was mailed out on XX/XX/XXXX and would receive within 2 days. I never ordered a new card my old card has NOT expired. And I'm kicked out of my direct express account. It now states my SSN is invalid. Have Been using this card for 6 years now without issues until. Now I have called and called nothing has Bee resolved. Contacted. SSA by phone. Visited local office I was told there it's nothing they can do. Also after reading several reviews across the state. A lot of people are having these issues. SSA confirmed funds have been deposited Into my account. This is just ridiculous. Iam the payee for an XXXX individual.
Complaint sub-issue: Old information reappears or never goes away

Equifax credit report is continuing to report derogatory charge offs from 9 & 10 years ago
Complaint sub-issue: Reporting company used your report improperly

Company which is XXXX XXXX XXXX account number XXXX used my credit to report improper information to report information to the credit bureau in the amount of {$2700.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have credit inquiries and accounts that I am unaware of. I wrote XX/XX/XXXX, Equifax, and XX/XX/XXXX over 45 days with no response. I have attached a copy of the incorrect information and identify theft letter. 

Please help. Thanks.
Complaint sub-issue: Problem with fees

Early in 2021 I converted a Citibank Black card with an annual fee of {$450.00} to a Citibank Platinum Card since I would not be using the access to the XXXX XXXX XXXX lounges due to the pandemic. After numerous phone calls I finally was told I would get a credit of {$450.00} and I received a written communication of this adjustment on XX/XX/2021. I was told it would take up to 2 billing cycles to take effect. I called after the XXXX billing cycle and was assured this correction would be made but was charged an interest and late payment fee that was reversed. I called again after my XXXX billing cycle ending on XX/XX/XXXX and again the late payment fee was reversed but not the interest charge. At this point access to my credit card was cut off and charges denied due to the account being overdue. In addition, a derogatory reference was placed on my credit report. I called again on XX/XX/XXXX and the fees were reversed but was told I still had to pay the past due balance which resulted from the {$450.00} charge and created a minimum payment amount of {$35.00}. On XX/XX/XXXX I called again and finally theoretically had the {$450.00} credit applied and fees adjusted but was told I had to make the minimum payments which now approached {$100.00} even though after the adjustment I had a credit balance of {$37.00}!!! Again, for the third cycle derogatory references were put on my credit report. I am looking for some sort of financial restitution for my time and the derogatory references that were put on my account. I have never had a late payment for over 30 years of credit history. I tried to get a hold of the Office of the President but nobody would give me a number. I sent an email to the CEO of Citibank, XXXX XXXX and also left her a voicemail on her cell phone. This was done at around XXXX on XX/XX/XXXX and I have not heard back to date. I want the consumer to be protected from Citibanks predatory practices. I am better at standing up for my rights than most people and am attempting to make things better. Without enforcement action and stiff penalties companies like Citibank will only make things right for those that pursue action and the general public will be taken advantage of.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, the following accounts have violated my rights : -XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX -US DEPT ED Account # XXXX XXXX -US DEPT ED Account # : XXXX -USDOEXXXX Account # : XXXX 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.