Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Attempted to collect wrong amount

I had a Citibank Credit card that was included in a discharged bankruptcy. I accidentally made a payment to that closed account through online banking. I am XXXX and sometimes have trouble with my XXXX. After the money was taken from my account I spoke to the bank and found out what happened. I immediately contacted Citibank and was told that XXXX XXXX XXXX was had the account. I contacted them and was told that they had not received the money from Citibank yet but that I would need to fax a refund request to them. The funds came out of my account on XXXX/XXXX/15 and I faxed my request for refund on XXXX/XXXX/15. I made numerous follow-up call checking the status of the refund. I was finally told that the funds were received from Citibank and that in order to process the refund that I need to fax proof that the funds had been taken out of my bank account. I faxed a copy of my bank statement showing the debit on XXXX/XXXX/15. I called back a few days later and was told that it had to be sent to a supervisor to process. I continued to call and was told that they would email the supervisor to follow up. On XXXX/XXXX/15 I called and was told that usually any payments received are considered voluntary payments and may not be refunded. I explained that I a m XXXX and on a limited income and that this was part of a bankruptcy that was discharged and that the debt was no longer owed and that I had received my form to show the bad debt on my taxes and that I would not make payment for a debt I no longer owed! I was to that a follow up email would be sent and to call back on XXXX/XXXX/15. I called back to find out when the refund would be made and was told that the supervisor said that it would be considered a voluntary payment unless I could prove that a third party made it. I asked to speak to the supervisor and was told that she was busy helping another customer but that she would send her an email letting her know that I would like to speak to her. I was transferred to a voice mail and left a request for a return call. I have not received a call back and based on the past XXXX moths experience has no confidence that I will hear from anyone at the company. 
I have been mislead the entire time and forced to disclose my personal information in an effort to recover money that Citibank nor this company is entitled to as the debt has been charged off and cancelled by the discharged bankruptcy.
Complaint sub-issue: No notice of investigation status/result

This is in response to Equifax 's results on my reinvestigation on XXXX XXXX, 2015 regarding my dispute of XXXX XXXX XXXX account number XXXX. 
Equifax has not submitted any reinvestigation results to me or to XXXX XXXX XXXX regarsing this misinformed account. This account is reflecting numerous inaccuracies which I am disputing on my behalf. I am entitled to a legal and informed reinvestigation and but they have failed me and have not verified, proved or corrected anything regarding my initial dispute Please have Equifax formwrd me every signed documentation which was reviewed by XXXX, who informed me over the telephone, that their investigation was complete. 
Upon my phone call tI was refused any and all information that was verified to me and the payments information was held from me. I am disputing its accuracy and completeness and have nothing to go XXXX. XXXX XXXX XXXX has informed me that all information is non-verifiable and in archive and nothing can be verified beyond a name. 
If I have no signature, proof of payment, correct payment history how did Equifax get this verified? 
I believe there is fraud and lies on Equifax 's behalf and this seems like a blatant violation of the law. I will not accept these results and have nothing further to say.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX have 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: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.
Complaint sub-issue: Information belongs to someone else

I need help I have bankrupcty on my credit and I never filed bankruptcy I never lived at XXXX XXXX XXXX XXXX XXXX. I never had a XXXX loan, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, 2 bankruptcies are reall hurting me. I contacted the courts they said the dont give out information or credit information. I demand this be removed from my credit report. I believe its racially motivated I have a feeling when I call they brush me off. I have a deep XXXX accent. I work 80 hours a week Please help remove this information from my report. Please
Complaint sub-issue: Their investigation did not fix an error on your report

Even with multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX credit bureaus previously on XX/XX/2022, but no answer was received. These accounts must be validated under Sections XXXX09 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXXXX/XX/XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am a victim of identity theft, unauthorized inquiry reporting on my credit report
Complaint sub-issue: Debt is not yours

True Accord claims I owe {$150.00} to XXXX  for a returned item, a purchase from XXXX, item returned via XXXX several months ago.. The item was purchased via XXXX XXXX, returned to merchant via XXXX, tracking ID not available.. Prior complaints were filed against XXXX  for attempting to collect on debt when item was returned and tracking ID provided to them..Regardless of return, XXXX still attempts to collect on debt after proving item returned by providing tracking info..If True Accord requires tracking info, please refer back to XXXX  whom it was provided to via CFPB complaints filed prior.
Complaint sub-issue: Right to dispute notice not received

Submitted paperwork regarding wage garnishment XX/XX/XXXX. Without notice to me my wages were garnished beginning XX/XX/XXXX Agency said they sent me the information XX/XX/XXXX. They did not. I did not receive the decision until XX/XX/XXXX and that was through email from XXXX after I complained. The information on the XX/XX/XXXX paperwork has changed significantly. The XX/XX/XXXX paperwork said I had 15 days to appeal. Obviously, the 15 days had elapsed XX/XX/XXXX. I have not moved. It would be in my best interest to respond in a timely manner. I did not receive the information. Everything I send XXXX is sent certified mail return receipt requested to avoid these issues. XXXX should do the same. However, I do not believe they sent it to me. I made contact with EOS-CCAand they said they would get back to me. I have not heard from them. Not only are my wages being garnished but now my social security is being garnished which I had to take 4 years early to cover the {$600.00} a month they are taking from my wages. With the social security garnishment they are now receiving almost {$1000.00} per month. I am single, XXXX years old and have raised my now XXXX year grandson since he was XXXX old with very limited financial support from the parents. XXXX only considers what they think your expenses should be not what they are. I have offered to pay {$200.00} per month until I die but XXXX will not accept that. The whole system is confusing, non-responsive and not dealing in real world income and expenses. People do not return calls. People do not know how to help you and they do not take your personal circumstances into consideration when reviewing documentation they have been given. In fact, they completely ignore anything they have been provided other than their paperwork you have filled out. There is no way I can afford a garnishment of 15 % if the information I provided was reviewed. I have sent my story to various government and social service agencies. I have sent my story to various government employees including senators. I have sent my information to various media outlets and have been contacted XXXX. I urge anyone else suffering from the burden XXXX mismanagement to write their own stories so attention may be paid to the fact that we are people with lives not just a number.
Complaint sub-issue: Debt is not yours

This all started in XXXX by a scammer in which I didn't fall for. The info has been sold to various debt collectors over the years. I'm tired of fighting them off. In the last six months another creditor has started mailing me false loan info saying I owe this near {$15000.00}. In the last 20 years I have had only one auto loan and that was satisfied when sold it. I have not even had credit cards until XXXX, one credit card and then another in XXXX. Both I still have and am in good standing. 

XXXX XXXX XXXX said I owe {$15000.00} to an old ( XXXX ) Loan? Does not say what type loan. From original creditor, Citibank? I have never had a load from Citibank nor even a checking account since the XXXX 's. The account number they say it was is actually my old XXXX checking account that I closed when they tried hacking into it.They are putting ( they say ) a judgement against me in the county I no longer live in ( 6 hrs away ) and the case filing number is FAKE. I checked. 

I will not call them so they then have my phone number to harass me more. Don't know what yo do except file a complaint.
Complaint sub-issue: Debt was result of identity theft

This debt has been disputed and removed from my credit report and they keep re-inserting it which then plummets my credit. 
This is not my dad I have stated this it has been proven to be not mine Im a victim of identity theft going back many many many years and this company refuses to follow the law and keep this information off of my credit report. This information was removed from my credit report and one week later they re-inserted it. My bank account was compromised previously and weve even had to have a to do bank accounts issued because of the identity XXXX this company continues to perpetuate it.
Complaint sub-issue: Public record information inaccurate

I have contacted XXXX XXXX four times on four separate dates to fix my credit reporting. I wasnpersonally discharged of the mortgage following my bankruptcy in XXXX all of a sudden, XXXX XXXX began reporting  to my credit bureaus again this year, in XXXX and XXXX of XXXX. I am now being declined for a new mortgage because of their inability to properly handle their bankruptcy cases. the reporting needs to be removed immediately or I will file a suit, as I have already reached out to my lawyer.
Complaint sub-issue: Company closed your account

Had a secured credit card with First Progress. Opened XX/XX/XXXX and closed by the financial intuition on XX/XX/XXXX. The card had a {$300.00} security deposit. Security deposit has not been returned. Card had a zero balance with no pending transactions. Was not able to contact first progress by phone or online. Sent a letter in XX/XX/XXXX, requesting my security deposit be refunded and provided my card and updated information for myself. Have not received a response
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account XXXX, has violated my rights 15 U.S.C1681 section 602A. 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.C166b A Creditor MAY not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Complaint sub-issue: Information is not mine

contacted XXXX and let them know that the debt was not mine. It belongs to my ex-wife, and accured while I was XXXX in the Department of Corrections from XX/XX/XXXX to XX/XX/XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX did not have my authorization to pull my credit report. The inquiry made by XXXX XXXX on XX/XX/16 has been in dispute for unauthorization of pulling my credit reports. I have been disputing them for the last three months. I have disputed with the credit bureaus. During this period, I have yet to get a response in the mail. I have sent certified letters with return receipts proving they accepted the mail. Again, they have yet to respond with written or oral proof of my authorizations. The listed unverified inquiry has been proven invalid. This business can not provide an original signed agreement or oral recording of my consent giving authorization for them to pull my credit report. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. Please help me to get this business to delete the inaccurate and unverifiable inquiry from my credit reports immediately.
Complaint sub-issue: Didn't receive enough information to verify debt

Disputed the inaccuracies of XXXX XXXX on my credit report with Equifax on XX/XX/XXXX. Company received my disputes on XX/XX/XXXX as it shows according to the certified mail. It is now XX/XX/XXXXand I've yet to hear back. The FCRA gives the company 30 days to respond. I have not gotten a response.
Complaint sub-issue: Problem during payment process

I made a payment, by check, to Citi Cards on XXXX XXXX by mail. My Credit Union deposited the payment to CitiBank on XX/XX/2021. The bill was not due until XX/XX/2021. The payment to my account has not been credited despite several contacts Via CitI-Bank 's online Feedback service and a call to Customer Service XXXX I have told CitiBank that I have a copy of my Check processed by my Credit Union. I asked for a manner to send them the copy electronically and I was told I could only FAX it. They are closed today for XXXX XXXX, so I will attempt to FAX the copy tomorrow. Customer Service did not tell me they were closed today. Their Customer Service is useless. I tried using their online Chat and Feedback services and was told the problem could not be resolved. I called Customer Service I could FAX the Copy and then was transferred to Billing where I was told I couldn't FAX it. When I told the agent that the rep who transferred my call said I could FAX it he agreed saying I could. Tried 8 times today, but because of the Holiday their FAX machine ( s ) aren't answering.
Complaint sub-issue: Account status incorrect

I contacted Equifax on XX/XX/2021 to verify my XXXX credit card accounts with XXXX XXXX is closed on my credit report. 
The supervisor confirmed my account is showing closed. 
I informed the supervisor at Equifax that XXXX is reporting the accounts to as open as of XX/XX/2021. 
She informed me to contact XXXX to correct the issue because shes showing the creditor has reported the account as closed and that equifax is also showing the accounts as closed. 

I contacted XXXX and they informed me there is nothing they can do on their end. XXXX advised I get back with Equifax or the creditor to correct the issue.
Complaint sub-issue: Debt was paid

I have an invalid " debt '' of appx. {$590.00} that was charged off by XXXX XXXX in XXXX. In appx. XXXX I was contacted by a creditor about this claim and provided multiple pages of documentation showing it was not valid. Nonetheless, this information has transferred to a new collection agency, Lake City Credit, who absolutely refuses to stop calling me about this claim although I've stated multiple times to them that their claim is over a decade old, it is not a valid debt, and requested they stop calling me. I've never received anything in writing from them. I've made multiple requests to them to stop calling, and I still receive calls once or twice every week. I was finally able to get the address for the debt collector from their employee, which they provided as Lake City Credit, XXXX XXXX XXXX, XXXX XXXX TX XXXX.
Complaint sub-issue: Information is missing that should be on the report

On XX/XX/2021, I sent a letter to formally make a complaint about my incomplete and inaccurate credit information. As I know, It violates the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), and thus I wanted to have it investigated. I also demanded that they provide verifiable proof that has my actual signature in it. Additional information regarding this will be uploaded and I hope that this issue will be taken care of.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/XXXX, I mailed letter to LexisNexis requesting that an account be verified that was reporting to XXXX XXXX XXXX, and XXXX. On XX/XX/XXXX LexisNexis sent me a letter back stating that the item was unable to be verified and they will be removing it from my records. I immediately called LexisNexis and verbally requested this information be update with all the credit bureaus they furnished the information too. The agent told me that my records will be updated in 30 days. On XX/XX/XXXX, I sent a letter request that the item be removed from my file because LexisNexis found it to be unverifiable. I have never received any response from LexisNexis, XXXX XXXX XXXX or XXXX regarding the removal of this item and it has been over 103 days with no response. I am a victim of the XXXX  data breach, and have every intention to take legal action if this is not corrected. This unverifiable information be reported is negatively impacted my credit and I am suffering with the inability to save money by obtaining lower interested rates, which directly effects my household budget. I feel that my requests are be ignored.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed the account XXXX XXXX XXXX # XXXX account with Equifax since XXXX. This account needs to be deleted ASAP. I have multiple disputes and request to validate this account.After I didn't receive any response from XXXX XXXX XXXX I mailed them certified letter it was returned. Are they a legitimate company? I have not heard of them. What are they asking me to pay for? How to I supposedly owe them? I do not want to be their scam victim. There are enough challenges in the world. Equifax I have requested investigation, re-investigation, method of verification and everything else I could think of to clear my name. I will include a screenshot from Equifax.COM showing their address reporting. I will also include the letter that was returned undeliverable to the address listed for XXXX XXXX XXXX. Please remove this falsely reporting account it is a false representation to me as a consumer.
Complaint sub-issue: Fee problem

XX/XX/2018 PNC Bank continues to charge me a fee for not having " qualifying deposits, '' even though I deposit more than the required amount each month. I am injured and can not work. I accept small jobs for cash intermittently in order to pay bills and live depositing more than their {$500.00} a month but I can not get employment. They are requiring my deposits be ONLY FROM PAYROLL CHECK DIRECT DEPOSITS which I can not do because no one will hire me with my injury. This is a violation of my civil rights and it violates the XXXX act.
Complaint sub-issue: Debt is not yours

This company called me regarding collecting a debt. After further research, they are not bonded with the state of Texas as required by Tex. Fin. Code. 392.101. With this, these seem to be abusive collection efforts in which falls under Tex. Fin. Code 392.402.404.  Also, I was never notified of this debt and it's not valid. I've contacted the credit bureaus to notify them of fraud.
Complaint sub-issue: Old information reappears or never goes away

Dear Equifax, XXXX and XXXX I am writing to dispute the following information in my credit report file. 

The information on the XXXX XXXX XXXX XXXX for {$17000.00} was charged off as bad debt and is inaccurately reporting because it was included in my bankruptcy. 

I am requesting that the item be removed immediately as Section 809 of the Fair Debt Collection Practices Act speaks about statute of limitations for tradelines to appear on credit reports. 

Please reinvestigate this matter and delete the disputed item as soon as possible.
Complaint sub-issue: Personal information incorrect

I have a few addresses on my credit report that do not belong to me and I have issues with my verifications for my job. I really need these addresses off my file please delete, remove the following : XXXX XXXX XXXX XXXX XXXX  XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX  XXXX FL, XXXX XXXX XXXX XXXX  XXXX WI, XXXX My Address is XXXX XXXX XXXX XXXX XXXX XXXX OH Any other addresses are not accurate.
Complaint sub-issue: Debt is not yours

I recieved the enclosed bill asked for verification/authorization to bill my insurance company To date I have recieved the requested information.The medical provider XXXX XXXX attempted to bill XXXX my insurance company for a service I did not authorize
Complaint sub-issue: Investigation took more than 30 days

To whom it may concern on my credit report I was being told I had applied for a new XXXX XXXX XXXX on XX/XX/2020. I never applied for a XXXX XXXX XXXX on that date as I am perfectly happy with the XXXX XXXX XXXX I already have. The problem here is I had disputed this a few different ways and it won't go and is still showing up as a hard inquiry when this is fraud and never authorized by me. Under the fair credit reporting act 609 to my understanding since they can not prove I applied for card which I didn't they must remove this inaccurate information. When I spoke to XXXX XXXX over a month ago as to what was going on they said that department who handles fraud and applications is not in due to covid. I asked them when they will be back they weren't sure. I had called a few times to resolve this but it has gotten no where.