Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive enough information to verify debt

I contacted Hunter Warfield to try to get some documents on a debt they said I owe. The gentleman said I do not have the right to dispute the debt and refused to send me any information.
Complaint sub-issue: Contacted you after you asked them to stop

Called my phone 6 times a day saying they where going to garnish my wages said thing would only get worse for me from here an wasnt ever going to Amount to XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update these in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem accessing account

Tried to re-connect my PNC bank account to XXXXXXXX XXXX  XXXX, so that I could pay some bills that were due the very next day. I signed into my bank account with my username and password, then I had to enter in the security code provided by PNC through text ... ..but it still wouldn't re-connect. So now I'm facing disconnection for 2 important bills because I can't use XXXX XXXX XXXX to get a temporary loan. I signed into my PNC account to send a message and almost 22 hours later, I haven't had a reply back.
Complaint sub-issue: Card opened as result of identity theft or fraud

On XX/XX/2022, I received a telephone call from someone stating they represented Citibank corporation regarding a credit application that was opened in my name. I did not complete this application nor have a signed credit with Citibank corporation. The representative stated that he was reaching out to me because the email seemed fraudulent. He also mentioned they would deny the application and suggested that I contact the federal trade commission to report this fraud because my personal information had been compromised
Complaint sub-issue: Reporting company used your report improperly

Credit reporting companies allow accounts that have nothing to do with credit be placed on credit reports. XXXX should not be allowed to report to a credit report because they offer services and not consumer loans or any form of credit, like credit cards..etc. I ask that XXXX remove the account from XXXX XXXX XXXX.
Complaint sub-issue: Attempted to collect wrong amount

Citibank-XXXX XXXXt account. 
Back in XXXX we moved into a new home and didn`t have a washer and dryer. So, the wife said they have a sale at XXXX XXXX. So I went there and they stated I can put this on the XXXX XXXX credit card and save even more. So, I took one out. I was told I have a year to pay interest free.. No Payments for a year option as well. So, I started paying on it in 6 months. {$200.00} a month from XXXX to XX/XX/XXXX. Then I haven`t received any notification to pay any more. I thought I was done since after my purchase I cancelled the card so I don`t use it anymore except to use it for the payment purposes only ... 
So, if you add {$200.00} a month for 24 months of paying on it equals {$4800.00} on a {$1800.00} purchase. Okay 14 % interest ... Paid off, Right? Nope.. They sent me a letter stating I owe them XXXX????? WRONG.. They are trying to get a double pay out of me. 
Now that I told them that it was paid off since they haven`t sent me anything to pay for almost 2 years, it was paid in full. Then they said " Oh we sent out notices ''!! I lived in the same house didn`t change addresses and I didn`t receive anything for almost 2 years? 

Can you say FISHY, FISHY, FISHY ....
Complaint sub-issue: Was not notified of investigation status or results

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX This account has many violations and inaccurate information. The dates reported on all bureaus are different. The dates of last activity for all 3 bureaus are different. The last payment for all bbureaus are different. This account is violating my consumer rights and must be deleted immediately.

2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once
Complaint sub-issue: Account information incorrect

I paid my XXXX XXXX XXXX credit card in full on XX/XX/2019 and they are not reflecting that I had a {$0.00} balance and I have used the card for a purchase on or close to the XX/XX/XXXX in the amount of {$29.00}. But they are not reporting accurate information on the above account, per XXXX XXXX credit alerts the information that XXXX XXXX is reporting on the balance amount is incorrect {$770.00}. I have never had that amount of a credit limited from them. I spoke with a representative on Saturday XX/XX/2019 at XXXX TN time from Equifax and she said they ( XXXX XXXX ) have not reported no new updates on my account for the month of XX/XX/XXXX. 

Account # XXXX XXXX XXXX XXXX XXXX SS # XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

NelNet and XXXX have file negative history on my credit reports with all three bureaus. During the time my student loan debt was reported the companies were sending paperwork and contacting my father ( same first and last name ) that I was not associated with at the time. I had not spoke to my father for several years and was not getting the notifications of who owned my student loan debts. 

I have now consolidated all of my student loans and not missed a payment for almost two years. My credit score is solid, but these negative marks are holding me back. I am asking for the items to be deleted from my all three bureaus because there is a XXXX balance with the two companies. At this time I am up to dates on everything and would like things to be corrected because I did not know of defaulting.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act, equifax and XXXX display XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights! 
15 U.S.C 1681 sec 602 A. States,, I have the right to privacy. 15 USC 1681 section 604 A.section 2 also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Charged too much interest

CitiBank automatically set up a transfer from my Citi Forward card to a new credit card they created called the Citi ThankYou card. In the process of doing so they left bard cards active and set up a process of transferring purchases from one card to the other. Since both cards were technically active they then charged me duplicate interest charges. When I questioned them as to why I was charged interest on my Citi Forward card they said it was because it had a balance, yet they also said that balance was transferred to my Citi ThankYou card. I  had called them days before the interest was to be charged and they said to not worry about it and that no interest would be charged. But, when I called in after seeing they charge they told me the interest charge was valid. I feel like they are both taking advantage of me and also displaying inaccurate/confusing/malicious information on my account website. I also worry they are harming my credit score because of the 2 duplicate balances being reported. I 've attached screenshots where you can see I 'm being shown duplicate charges and duplicate interest on both accounts. They post that during transfer consumers will be shown inaccurate information, yet I have no way of knowing what is accurate as each time I contact them I 'm told something different.
Complaint sub-issue: Frequent or repeated calls

XXXX XXXX from N.A.R. Inc. has in fact called me a couple of times today, within a 4 minute timeframe, I got a call from my mother stating that I needed to call her back because she received a call from XXXX directly after her attempt to call me. 

XXXX XXXX would not say who she worked for ... she did not tell my mother that she was a debt collector ... she did not say that this was an attempt to collect a debt. She gave my mother my personal information, including what phone number they had listed for me, and which address.

She started the call by saying that she knew me, and that she was trying to get ahold of me. She said, I have the phone number ***-***-**** for her, is that correct?

Also the address. Then proceeded to drill her for information on where I am currently working. She also said that she had left me a couple of messages when she in fact has not. I do not answer unidentified number calls, unless they leave a message, I dont call them back. To top that off ... I called her back twice, and she didnt answer. Her voicemail doesnt identify where she works. I had to XXXX the phone number to find out where she works. 

This is harassment ... plain and simple.
Complaint sub-issue: Debt is not mine

I am trying to improve my lifestyle and I noticed this inaccurate account reporting on my credit report. I do not have any knowledge of this debt. I believe they may be violating HIPPA laws by reporting this information. They are destroying my credit.
Complaint sub-issue: Reporting company used your report improperly

I am potentially exposed to the XXXX 2017 Equifax data breach. This is the most recent of many data breaches I have been potentially impacted by. It is clear to me that companies that are in possession of my highly personal identification details are incompetent in regards to its safe keeping. For every one of these breaches, these companies offer a year of " free '' credit monitoring which then is charged as a subscription service thereafter. To single out Equifax, there are reports that agreeing to such a service is also agreeing to forced arbitration, essentially holding my identity and rights as a consumer to take legal action hostage for such protection. This information is in most cases permanent and unchangeable without undue burden such as a social security number. I feel that these companies have not taken appropriate actions to safeguard my personal information because there is no incentive for safekeeping or monetary penalty for failure ( i.e. fine levied ). It is an insult that they will offer " monitoring '' to the victim of these breaches through their own corporate division when they are the the entity that is clearly incapable of protecting my information in the first place. At a minimum, I would expect industry wide changes in practice that penalize corporations for their inability to safeguard this information. I believe lifetime credit monitoring is more than a fair trade for the repeated exposure of this information that an individual like myself has endured.
Complaint sub-issue: Debt was result of identity theft

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against IC SYSTEMS. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.
Complaint sub-issue: Information belongs to someone else

Hello I have recently noticed fraudulent activity on my credit reports. What I have found has lead me to believe I may be victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notifications or alerts to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PTF document reflecting all items that were found to be unauthorized by any such.
Complaint sub-issue: Funds not handled or disbursed as instructed

I am an American Citizen residing in The XXXX XXXX. My Father, XXXX XXXX XXXX had an account with BancorpSouth Bank XXXX XXXX XXXX XXXX, XXXX XXXX Texas. My father passed away on XXXX XXXX XXXXPrior to my Father 's passing, my XXXX XXXX XXXX had power of attorney for his finances. 

My brother has my fathers will. I have had to pay a lawyer {$3000.00} just to make my brother take the will to the courthouse. 

On XXXX XX/XX/2019, my brother has distributed my Father 's bank account as per the will. 
I do not know if this has been distributed correctly as my brother will not show me what was in the bank account at the start. 

I do not know how he has managed to distribute and take some of my Fathers money from his bank account and close it when he has not been appointed as the executor. ( no-one is the executor as of yet by law ) My brother only had power of attorney whilst my Father was alive. 

I called the bank and they will not tell me anything as my name is not on the account. 
My brother 's name is also not on the account, he just had power of attorney up until his death. 

I was coming to America prior to the Corona virus outbreak. Now I am stuck in the XXXX XXXX not able to do anything.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

ON MULTIPLE OCCASIONS I HAVE ASKED THE BUREAUS TO REMOVE THESE UNAUTHORIZED INQUIRIES. NO ONE HAS HELPED ME.
Complaint sub-issue: Was not notified of investigation status or results

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX Re : XXXX Funding Acct # XXXX ( partial ) I have reached out to XXXX in regards to Acct # XXXX ( partial ) directly to ask for sufficient proof and never received any information. I used all ( 3 ) credit reporting bureaus to get sufficient information resulting in XXXX deleting Resurgent/LVNV Funding Acct # XXXX ; It has been ( 30 ) days I have not received anything from XXXX or Equifax. What is the difference between the information XXXX have from the others to delete the account and the others did not delete with accordance to US Code-15 Section 16819 ( f ) If the completeness or a consumer reporting agency is disputed by the consumer the agency shall, free of charge conduct reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current information or delete the item before the end of 30 days on which the agency receives the dispute of the consumer, they failed so this must be deleted immediately.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Core Logics, XXXX, ( XXXX ) XXXX XXXX XXXX, XXXX XXXX, & XXXX where all told to put freezes on my report and also delete all old address off of my report ( XX/XX/2023 ) because of illegal actions and Identification Theft. All charges on my credit line are not supposed to be there I have never put anything on credit nor signed up for so much as a credit card until this year.
Complaint sub-issue: Was not notified of investigation status or results

I sent a letter regarding inaccurate & unknown things on my credit report. To this day 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: Credit card company isn't resolving a dispute about a purchase on your statement

I disputed a charge with citi bank for the amount XXXX in XX/XX/2018. The merchant was supposed to fix my card but they NEVER fixed it and did not provided any services to me. So i disputed the charged for the services not provided with Citibank. Till XX/XX/2018 I have received zero communications from CITI bank. On XX/XX/XXXX I received an incomplete irrelevant letter that Citi bank investigated the dispute and according to the merchant 's provided documentation they were closing the dispute in the merchants favor. The funny thing is that Citi bank is telling me to review the merchant 's documentation and if i still wish to dispute this charge, please specifically address the merchant 's response along with the complete details of my dispute but CITI never attached ANY SUPPORTING DOCUMENTATION FROM MERCHANT THAT THEY HAVE PROVIDED ANY SERVICE TO ME. The letter they sent to me is unprofessional and unreasonable. After receiving this letter i tried to call the dispute department several times but they were never available and responded my calls. I have sent 3 emails to Citi bank billing disputes department but nobody replied to me. It is ridiculous and bad service from Citi bank. 
I want CITI bank to finalize the dispute in my favor as the merchant according to Citi bank provided documentation provided zero proofs showing that they provided any services to me and citi bank did nothing to recover my funds. I want all my funds to recovered within 24 hours. This type of customer service in unacceptable from the bank.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2022, I sent a letter to the credit bureaus asking for them to perform a proper investigation of accounts on my credit report. The credit bureaus stated that the following account/accounts was/were properly investigated, but how is that possible if there are still obvious reporting errors on my credit report? I will upload copies of my credit report with the errors marked for evidences as well. Regardless, this behavior is grounds for removal. The accounts in question are as follows : XXXX. Account Name : XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX Account Number : XXXX XXXX. Account Name : US DEPT ED Account Number : XXXX XXXX. Account Name : XXXX XXXX  XXXX Account Number : XXXX XXXX. Account Name : US DEPT ED Account Number : XXXX XXXX. Account Name : XXXX Account Number : XXXX In addition, they have also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

I haven't given these accounts written permission to furnish these accounts on my credit report.
Complaint sub-issue: Information belongs to someone else

I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681b permissible purpose. I did not consent to, authorize, nor benefit from any of the following Chapter XXXX Bankruptcy. The court does not report Bankruptcies to the bureaus. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX - XX/XX/XXXX Chapter XXXX Bankruptcy - XX/XX/XXXX Chapter XXXX Bankruptcy - XX/XX/XXXX Chapter XXXX Bankruptcy - XX/XX/XXXX
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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Problem with fees

Citi bank Costco Visa advertised No foreign transaction fee. I was charged foreign transaction fee on restaurants, hotels, etc. for transactions occurring in XX/XX/XXXX 2017 in XXXX.
Complaint sub-issue: Trouble with how payments are being handled

Please reference previous complaint # XXXX, the same problems still persist. Since then I have paid in full one of the three loan balances, I have been making additional payments on the next of the three loans with lowest balance. AES continues to misapply my payments as instructed with a letter that accompanies each check. Further, AES insisted that I write a " Standing Payment Instruction '' or SPI for short, a letter that remains on file indicating my specific wishes for how each additional payment I make via mailed check be applied. Please keep in mind that I make regularly scheduled monthly payments by Direct Debit from my checking account, I have done so without a single missed payment since AES took over my loans in XX/XX/XXXX. Since AES received my SPI, which they acknowledged was on file as of XX/XX/XXXX, AES has not only misapplied my additional payments by check, they have also misapplied my regular monthly payments by EFT as well. Essentially, they are doing exactly the OPPOSITE of what my SPI directs them to do. Since the SPI was received by AES, 5 payments have been misapplied in direct contradiction to the SPI, 2 were regular monthly EFT payments and the other 3 were checks sent by mail directed to pay the balance of the subsidized loan balance only. On Thursday XX/XX/XXXX I called AES Customer Service to have the payment reapplied, which they have failed to do in a timely manner. A copy of the SPI letter, the mailed checks with accompanied payment instructions, and the most recent account payment summary is attached. AES has misapplied a total 14 of 23 payments made by check and sent by mail, now also add to that 2 payments made by automatic debit have also been misapplied.
Complaint sub-issue: Old information reappears or never goes away

Complaint is against the XXXX XXXX XXXX XXXX for 4 separate student loans that were originally opened in XXXX and defaulted by that year 's end. The XXXX XXXX XXXX XXXX originally listed the loans under " Direct Loans '' as the creditor. These XXXX loans should have fallen off all XXXX major credit bureau reports ( XXXX, XXXX and Equifax ) and any others unknown to me, in this year of XXXX. In disputing this with XXXX twice this year, last dispute being XX/XX/XXXX through direct phone call, I was advised by the rep that the XXXX XXXX XXXX XXXX changed the creditor 's name TO " XXXX XXXX XXXX XXXX '' and shows all 4 loans as having been opened in XXXX of XXXX which is incorrect. This seems fraudulent to me as the " XXXX XXXX '' program IS under the XXXX XXXX XXXX XXXX and are not separate. I respectfully request your assistance in providing me whatever relief that can be afforded in removing this from all credit reports. The school is currently involved in litigation and I never completed even half of the curriculum and dropped out due to family illness.