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

In response to the company 's recent response, please provide me with the authorization form bearing my signature that gave your company permission to pull my report and apply for an account. I would also like the online deposit account information that was given to you. If you are unable to provide me with this please remove these inquiries from my account. I would not even apply for the same account twice, especially if I was denied as you stated. I have no proof from you other than you stating that someone knew all of my information and used it to apply for an account. Anyone who has stolen my identity can do that. Remove these inquiries immediately. I have had an issue with my identity being stolen for some time now, that could have been anyone submitting my information online. That is not proof enough.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Macy 's failed to post refunds made in XXXX, although I received return reciept confirmation on email as well as online Macys account. I followed up multiple times ( every few weeks since XXXX ), was transferred thru multiple departments, but instead of resolving their internal warehousing issue ( accepted by them on the call ), they failed to report/post the refunds to the Amex card I had with them. The balance was grossly incorrect, very high, as I had returned all items except XXXX that I kept. For this reason, I was not comfortable to pay the incorrect balance due. Amex charged me interest on the wrong balance and multiple late fees, instead of resolving the refunds due. I was made to talk to multiple departments, including online payments, collections, credit services, and repeat my case details over and over again. None of the agents tried to resolve effectively and would transfer me over to the next agent frequently. Since XXXX I have had XXXX such calls, each over 90-120 minutes, at the cost of my work and family time and mental peace. Each time, they would take just one small step towards resolving. First time, they said they will refund in 14-21 days, they didn't. I followed up, they said they will manually enter the refund in the system and report it to Amex and remove the late fees and interest, and though they completed the refund, they failed to report to Amex and remove the unnecessary late fee and charges. Today, after following up, they removed the late fee and charges, and still looking into the incorrect calculations. After multiple rounds of conversation, they took my request to dispute the incorrect remaining balance. They said it will still take 1-2 billing cycles for the charges to drop off. This has affected my credit reporting, it has dropped around XXXX points from XXXX to XXXX over past couple of months. I have maintained a very high credit score by being diligient and timely in my payments and yet, because of an internal issue of Macys and lack of department coordination, my account was sent to collections, resulting in a huge drop in credit score. It is absolutely criminal of Macys and Amex to allow failure on their part to hurt my credit score, which I have worked so hard for 6 years to get it high and clean. I was denied a rewards credit card yesterday because of the negative remark on my credit report. I fear that my score will further slip if there is no proper investigation, and affect any future loans and credit lines I might need. 
I need Macys and Amex to resolve the matter quickly and I need justice over this deliberate mismanagement of my refunds and credit. I have spent over 8-10 hours speaking with them, time I could spend with my XXXX and my well being.
Complaint sub-issue: Information belongs to someone else

My ex was helping with credit repair and kept my information and got a ACIMA account in my name that I wasnt aware of until it showed up on XXXX account
Complaint sub-issue: Account status

please find attached the documents and my dispute letter for XXXX of my XXXX accounts, these accounts have never been late and never been delinquent. i have disputed few times with XXXX major credit bureaus but not been successful, also have written letters to the creditor as well, still no resolution. 
please help me to remove these late. negatives from my records. 
thank you
Complaint sub-issue: Account information incorrect

Contacted Equifax and started a complaint there customer rep.I could hardly understand with his broken english in what ever country I was transferred to. I still file a complaint regarding account balances on my credit are incorrect.

1.XXXX/XXXX XXXX XXXX XXXX XXXX, OH XXXX - credit card balance showing {$360.00} paid off on XX/XX/52021 2.XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX - credit card balance showing {$270.00} paid off XX/XX/42021 3.XXXX XXXX XXXX balance should be {$150.00} owning
Complaint sub-issue: Account information incorrect

On XX/XX/XXXX an collections account from XXXX XXXX XXXX for XXXX appeared on my credit report. I have disputed this account with Equifax multiple times once on XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX every time it came back verified. How can it be verified when the information isnt accurate they have my first date of delinquency as XX/XX/XXXX but, the original creditor XXXX XXXX confirmed my first date of delinquency as XX/XX/XXXX. Even if you add 180 days from that date you still dont get XX/XX/XXXX witch means my rights were violated. So Im asking that the account be deleted three times the account came back verified but its inaccurate I never got any notice at all I had to go look and call for myself.
Complaint sub-issue: Other problem

CitiBank and other large banks have taken it upon themselves to unfairly restrict access to credit and other services by companies I do business with. Specifically, companies that have anything to do with firearms and related products. On one hand, my taxes, and taxes paid by these same companies, paid for a huge bailout of Citi and other banks, to supposedly save them. On the other hand, they are unfairly targeting these companies, trying to hurt them specifically, to cause them to fail. That is inconsistent with constitutional protections of my, and their, 2nd amendment rights. This needs to be called out, and stopped.
Complaint sub-issue: Information belongs to someone else

I was at XXXX XXXX today and I needed to pull my credit for business transaction and I discovered that someone has done a ton of fraud in my name for accounts and lines of credit in my name. I have over four different SSN numbers showing on my credit file that are definitely fraudulent SSN numbers. I have 20 something address showing and I have only lived in 3 addresses in Ohio. Please delete remove the following SSNs : XXXX, XXXXX- XXXX, XXXX, XXXX. My name is XXXX XXXX XXXX and DOB is XX/XX/XXXX and SS is XXXX. Please remove delete any variations of my name and SS. The two fraudulent account are XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX These are the fraudulent addresses on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX, OH XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX, XXXX XXXX XXXX XXXX XXXX, WA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX I have contacted the authorities here in XXXX OHIO and I have filed a Police Report as well as a FTC ID Theft Report. I am not married to XXXX a please remove him as a spouse form my credit file please and thank you!
Complaint sub-issue: Debt is not mine

This company has added this as a collection to my credit report. Under no circumstances or time did I ever have an agreement with the original creditor for services or goods. This collection has never appeared on my report until now. I have never even heard of the original creditor before this point. They are in violation of the Fair Credit Reporting Act.
Complaint sub-issue: Their investigation did not fix an error on your report

I have submitted multiple requests to XXXX about a collection account on my credit report. 

I wrote a letter dated XX/XX/2022, XX/XX/2022, and XX/XX/2022 asking XXXX to investigate an account. XXXX 's latest response was on XX/XX/2022 which was their latest update that the account was verified and updated on Report Number XXXX. I originally asked for a description of your procedures on XX/XX/2022 and XXXX failed to respond with the information that I have originally requested. 

At this point, I am so upset and I feel so abused by their company that I have decided to file complaints. XXXX has ignored me, treated me like an uneducated consumer, and caused my family and me great distress. Leaving bad information on my file has prevented me from obtaining credit to get a loan that is needed for consolidating debt and this is not fair to me or my family. 

I have also expressed to XXXX that the Americollect account is not valid and is in violation of my XXXX rights. I never signed and authorized a XXXX release form for them to have my personal medical information and yet they do.
Complaint sub-issue: Trouble with how payments are handled

I am submitting some more documentation concerning my Public Service Loan Forgiveness credit. 
I thought it best to submit documentation based on the various issues, rather than the whole laundry list as it might be easier to deal with that way. 
I did send these letters to FedLoan as well as the Ombudsman. 
Description of the letters attached : 1. Public Service Loan forgiveness issue which is my letter with my payment history under the program. 
2. The PSLF annual form. Please note the Employment begin date of XXXX/XXXX/2010 on page XXXX, section XXXX. 
3. FedLoan 's recent review of my PSLF credit which is an abomination, and has no relevance to the facts. 

All along they have tried to minimize my service, this last letter is grossly wrong and obviously written in such a way that I 'll be paying for over 7 more years, rather than the 4.5 years that I have left to serve. 

Sincerely, XXXX XXXX
Complaint sub-issue: Banking errors

I signed up for a PNC account in order to receive a promotion for a {$300.00} bonus. I signed up, fulfilled the requirements of the bonus which included a direct deposit requirement. After I had opened the account, I noticed my old XXXX account had been transferred over to PNC due to the acquisition of the bank. I was concerned about this affecting my eligibility for my bonus, so I contacted PNC and they assured me that I was eligible for the bonus, which caused me to keep the account open and continue pursuing the requirements. 

PNC now refuses to honor their promise and I have been unable to contact a representative of their team for XXXX weeks. I have in writing that I met the requirements of the bonus and I am requesting that I be paid the {$300.00} that I am owed.
Complaint sub-issue: Deposits and withdrawals

Key bank has you hold all day each time. I can not get my unemployment off card. I gone to bank, grocer, everything.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The following inquiries were NOT authorized : - Equifax Mortgage Solutions XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My identity has been compromised and there's unauthorized inquiries on my credit file. I'm demanding immediate removal of these unknown and unauthorized inquires. Please remove these immediately. 

1 ) XXXX  XXXX ( XX/XX/XXXX ) 2 ) XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) 3 ) XXXX ( XX/XX/XXXX ) 4 ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) 5 ) XXXX XXXX ( XX/XX/XXXX ) 6 ) XXXX XXXX ( XX/XX/XXXX ) 7 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 8 ) XXXX XXXX ( XX/XX/XXXX ) 9 ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX )
Complaint sub-issue: Reporting company used your report improperly

In a accordance with the fair credit reporting act XXXX account # XXXX has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy. 

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX Account # XXXX
Complaint sub-issue: Attempted to collect wrong amount

The following agency is not bonded in the State of Texas and can not legally collect debt. Please remove from my credit report and confirm the debt is not owed.
Complaint sub-issue: Investigation took more than 30 days

I have filed a dispute in regards to the incorrect on my credit report. It has been well over 30 days and i haven't received any investigation results.
Complaint sub-issue: Right to dispute notice not received

On XXXX XXXX XXXX Hunter Warfield responded to a complain i filed with the CFPB on XXXX XXXX XXXX ( case number XXXX ). The complaint was filed because while checking my credit report i found and account from this company listed on my file from which i had never received any communication from and when i disputed the account with them they sent me a letter requesting more time. Their response states that they did send me verification when the obtained the account but the documentation they sent to " back up '' their claim shows otherwise. The documentation they sent through the CFPB portal is as follows. Rental application, Move out statement, and their verification letter. Now looking at these documents you can see that the apartment complex noted i gave them notice and moved out on XXXX XXXX XXXX and Hunter Warfield claims they sent me a letter on XX/XX/XXXX..But they did not send it to the address i gave the apartment complex they sent it to the apartment from which i had moved out of over month before they claimed to have sent their verification letter had they sent the letter to my correct address which the apartment complex has this matter would have been taken care of. Now to add insult to injury they have not only increased the original balance from {$2600.00} to {$2800.00} they are not KNOWINGLY reporting the original amount as {$2800.00} on my XXXX, XXXX, and XXXX files. In their response to my original complaint they note tht i must contact XXXX XXXX about this account on XXXX XXXX XXXX i mailed a letter to XXXX to settle this account which was delivered on XXXX XXXX XXXX and i have not received any response.
Complaint sub-issue: Banking errors

This complaint concerns Citibank, but started with an online scam, an email I received on Friday, XXXX XXXX, 2022 purportedly from XXXX XXXX falsely charging me for a subscription renewal. Unfortunately I called the number on the email and was connected supposedly to their customer support rep, who agreed to refund the money. To do so he persuaded me to allow him to access my computer. A manipulated " error '' omitted the. in the refund amount, so that it came out to be thousands, not hundreds of dollars, which somehow did appear my screen as a credit to my checking account. Now of course I felt guilty at having these thousands which were really not mine, and was persuaded to " return '' that extra money via an international wire transfer to a XXXX XXXX XXXX. ( The " rep '' said company XXXX was in XXXX XXXX. ) After a couple of unsuccessful attempts to access my Citi account online, I was finally able to do so, and with the scammer still on the phone with me, I initiated the transfer. It went through immediately without a hitch. 

Coming to my senses a couple of hours later -- it was now past XXXX -- I called Citibank customer service XXXX Their rep recognized this particular scam, said my account showed the debit ( but not the supposed credit ) but that that did not mean the funds had yet been released to the account owner, put a hold on my accounts, and " escalated '' the report to their wire fraud department. The rub : There is NO ONE in that fraud department on the weekend ; I could not reach them by phone until Monday XXXX By Monday I am told that yes, the money has now been released from the XXXX XXXX XXXX  to the account holder. And that Citi has sent a message to the XXXX XXXX XXXX, which will ask that the account holder [ fraudster! ] return the money. Citi says the matter is under investigation and could take up to 90 days. I am astonished and outraged that Citi allowed the transfer to go through in the first place, from a longtime customer who has NEVER made a wire transfer, much less an international one, much less in such a huge amount. No red flags? They do not seem to have safeguards in place to protect their customers. 

I have filed reports with the XXXX XXXX police, the FBI, and the FTC. I emailed the Citi fraud department on XXXX XXXX ( because nobody could connect me with an actual person ) outlining the case and my frustrations with their actions ( or lack of same ), and asking for an explanation for the delay in funding my new accounts from the old ones. ( I had been given different reasons on the phone from different reps, and had been advised to just go to my local branch, which I could not do and which, it turns out, would not have solved the problem. ) To date I have had no response to my email.
Complaint sub-issue: Reporting company used your report improperly

I sent letter to remove personal information that I don't want on my credit report. XX/XX/2022 here are the tracking numbers, XXXX. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6082. No financial institution is not suppose to share my information to third party people. These are clear violations of my federally protected consumer rights.
Complaint sub-issue: Was not notified of investigation status or results

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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. 
Company Inquiries : 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: Debt was result of identity theft

I.C. SYSTEM has been contacting me against my will with no prior written consent. This is an aggressive and illegal debt collection/ tactics. I do not have contract with ic system or any of its affiliates. I have granted ic system to validate proof I owe any debt which they have not and can not. I have sent all communication to ic system with USPS certified mail and green slip return and they have not refuted or rebutted my affidavit, and cease and desist and billing invoice for the Federal laws they violated against me as a consumer. I have put ic system on notice on XX/XX/2021 and XX/XX/2021 with affidavit, cease and Desist and billing invoice and evidence of violations. I gave ic system 30days upon receipt to rebut the documents. Then I sent a notice to XXXX  with 10 extra day to cure the violations. I have been damaged, I feel threatened from this debt collector. I have acted in good faith with ic system notifying that I will pay any debt that can be validated but ic system has continually failed to validate or show proof of any debt or contract. I will continue to enforce my federally protected rights until I get what I want from this situation.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX  you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # 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 : also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Problem with fees

On XX/XX/2020 Citi failed to withdraw money from my bank account for a credit card payment, and charged me a {$29.00} fee for returned check, as well as a {$0.00} minimum interest charge. I made the payment over the phone, providing Citi with my banking information that they already had on file. There was a mistake made by the agent in recording my bank account, thus payment failed. I quickly called them, and they agreed that a mistake had been made. I gave them the same bank account again ( the one they had on file for years ) - and they withdrew the payment. I asked to get the fee refunded and Citi agreed. 

Fast forward to 5 months later, the fee has not been returned, and I continued to get charged interest on the fee. I've made multiple calls, monthly, and each time an incompetent representative states that the fee will be refunded, but no money is returned. Rather a new interest charged gets tacked on. I have now paid off the full balance to prevent additional fraudulent interest being charged. 

I'm asking for a simple resolution, return my money to me including fraudulently charged interest.
Complaint sub-issue: Was not notified of investigation status or results

I submitted a request for XXXX Equifax, and XXXX to remove all of my hard inquires which were unrecognized. I personally called each company that I asked to be removed and was quickly advised there was nothing they could do because I do n't have an account or account number with them. I explained to all 3 the only permissible reasons for pulling someones credit is a Firm offer of credit, Insurance, court order or employment. What XXXX decided to send me was a generic response telling me what inquires were which I did not request an explanation of what inquires were. The other 2 agency 's sent nothing!