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

On XX/XX/XXXX I went to XXXX XXXX. I took a taxi cab from the airport to the hotel. When we reached our destination I handed the taxi driver my credit card for the ride. I was told by him that the card wasnt going thru, at the time I figured it could be because I was out of the country. So he asked for cash instead which we than gave him the euros. 
When I got back to the room I got WiFi and I realized that he had charged my card too! I was in complete shock. I called the credit card company which was Citibank and I let them know what happened they said did you get a receipt? I said no, not for cash but I said I never signed the credit card receipt. I always thought that if they dont get a signature than the charge isnt valid. Im really upset with Citibank and no longer will continue doing business with them. The whole point of using the card was because I thought they would have my back and clearly they dont. This is why I took the time to write this, so that this doesnt happend to someone else.
Complaint sub-issue: Reporting company used your report improperly

1.Account Name : XXXX XXXX XXXX Account XXXX : XXXX Amount : 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
Complaint sub-issue: Debt is not yours

I have received eight communications over the last seven weeks from Brigit about a debt that is not mine. These communications occurred on XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. The messages stated > Your recent {$50.00} cash advance has not yet been repaid and is overdue. 

I have no business with this company, and have never taken out a loan with them. Additionally, the name in the " To '' field of these emails is not my name ( though the messages are being sent to my email address ). 

On XXXX, I received such a message about this alleged debt from XXXX. I sent a message to the company stating that this debt is not mine, and as such I require that they stop contacting me about it. They replied > We show an account under <my email address> with an outstanding balance. We keep sending emails until the balance is repaid. You can always block or mark us as spam on your email provider 's platform. 

On XXXX, they sent yet another message about this same alleged debt to my email account, from a different email account ( XXXX ).
Complaint sub-issue: Account information incorrect

Firstmark is reporting a balance and past due amount & collection account status every month for an account that was included in bankruptcy in XX/XX/2019 & discharged on XX/XX/2019. I have disputed multiple times, and to date the account has been removed from the other bureaus but still remains on XXXX. The account should have been updated on all of my credit reports to show a XXXX balance when I filed bankruptcy & then should have stopped reporting collection account status & a past due balance. No further activity should be reported on the account after that. 

I do not agree that I owe this debt & nothing in this correspondence is an acknowledgement of any debt.
Complaint sub-issue: Information belongs to someone else

I am distressed that you have included FIRST PROGRESS CARD information in my credit profile on XX/XX/2021 and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I respectfully sent in notarized and certified letters on XX/XX/2021 and still no response. 

Also, please add a promotional suppression to my credit file. 

This company is NOT responding and reporting inaccurate information on my credit report. 

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you,
Complaint sub-issue: Deposits and withdrawals

On XX/XX/XXXX, I opened an account with XXXX XXXX which is part of Popular Bank, member FDIC. Between early XX/XX/XXXX and mid XX/XX/XXXX, I kept adding funds from other bank accounts. As of today, the account contains close to {$500000.00}. On XX/XX/XXXX, I went online and tried to withdraw {$2000.00} from the account. The system gave me an error message, asking me to call the bank 's customer service. I called customer service and was told that the account was blocked pending " original funds verification ''. Popular Bank never told me that they had blocked my account and that they needed additional information from me. According to the phone representative, they just wait until customers try to withdraw funds before they tell their customers that there's an issue. 
I was asked to email a statement from the bank which originally funded the account at XXXX XXXX to Popular 's fraud department. I did this yesterday afternoon ( XX/XX/XXXX ). This afternoon ( XX/XX/XXXX ) I tried again, unsuccessfully, to withdraw {$2000.00} from the account. I called customer service again and was told that the account is still blocked. The service representative couldn't give me a status update. When I asked to speak with a supervisor I was told that that supervisors are not available and that " someone '' will call me back in 1-2 business days.
Complaint sub-issue: Reporting company used your report improperly

Equifax did not take proper precautions to safeguard sensitive data on their servers and lost it and as part of the breach want me to sign a arbitration clause for them to do anything about it even though they made the mistake. It is unacceptable for the company to require an arbitration clause for any remediation of the issue they created
Complaint sub-issue: Frequent or repeated calls

Bloomingdales erroneously put " return to sender '' next to my mailing address so i never received a statement. 
Bloomingdales then put my account to collection I received at least 4 robo calls a day from collectors in florida and ohio for a month Finally i was able to speak with seveval managers in the credit department who notified me of Bloomingdales error I was promised a hard copy by mail for about a month before i received it as i said i need to see a statement before i pay a bill
Complaint sub-issue: Information belongs to someone else

I filed a letter not long ago addressing accounts that I have disputed and that can be seen in my credit file that are erroneous and inaccurate, and I am quite upset that they are still there. I do not verify such accounts, which is a violation of the Fair Credit Reporting Act 's US Code 1681 Accuracy and Fairness in Credit Reporting.
Complaint sub-issue: Reporting company used your report improperly

On XXXX XXXX, I called Equifax to submit a dispute. The Equifax employee took my information, listened to my dispute, then she put me on hold, and never came back to the phone call. Eventually my call was transferred to leave feedback as though the call was over. So I am writing to you and I wrote a dispute to Equifax on XX/XX/XXXX.I, the American consumer am alarmed at recent news reporting that Equifax provided inaccurate credit scores for potentially millions of consumers to numerous financial institutions relating to my credit applications. The report quotes one Equifax executive, who said, Initial analysis indicates that only a small number of them may have received a different credit decision, and the CEO saying, The impact is going to be quite small, not something thats meaningful to Equifax. Equifaxs latest egregious abuse of consumers and its leaderships teams efforts to downplay the harm is yet another example of harm caused by what is quickly becoming a recidivist bad actor, and I urge you to use the full extent of your authority to hold Equifax and its leadership accountable. This incident comes five years after Equifax announced one of the largest data breaches in the history of our country, exposing the personal information of more than 147 million individuals, including myself. These numbers are false, these errors have affected everybody including me. 

Furthermore, you the CFPB took another enforcement action against Equifax in XXXX  for violating several consumer financial protection laws for deceiving consumers about the value of the credit scores they sold, deceiving consumers into enrolling in subscription programs, and engaging in illegal advertising practices. They are still violating several CFPB laws. 
Based on Equifaxs initial actions in response to this matter, I am deeply concerned that I, the harmed consumer will be promptly identified, notified, or even made whole? Moreover, Equifaxs repeated violations of law that have also resulted in I, the consumer harm warrant a more robust enforcement action, instead of the typical regulatory fine that amounts to the cost of doing business.
Complaint sub-issue: Their investigation did not fix an error on your report

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please remove the late dates from this account : XXXX XXXX XXXX
Complaint sub-issue: Information is not mine

I believe that I am a victim of fraud, the inquiries do not belong to me.
Complaint sub-issue: Debt was paid

This company Afni , Inc. XXXX. XXXX XXXX XXXX, IL XXXX. They are a debt collection co. They are trying to collect for XXXX XXXX. The Creditor Acc # XXXX. 
The Afni, inc, acc # XXXX. 
I submitted a receipt of pay-n-full to all three credit bureaus and they deleted this account for the amount of {$650.00}. I just received this collection notice on XX/XX/XXXX. I believe they are trying miss up my credit report that I have been trying to build up for the last 6 years. Also, this debt was paid Date : XXXX. I pray that you can get them to leave me along.
Complaint sub-issue: Debt is not yours

Jefferson capital sent me a notice of a XXXX phone bill XXXX. I never had XXXX phone. I requested validation of the debt. Jefferson capital only sent me a statement showing the balance. Not the original contract with phone company XXXX XXXX.
Complaint sub-issue: Account status incorrect

This has been a recurrent issue with reporting several accounts that were paid by a loan consolidation as more than 120 days past due. Currently being reported to all the credit bureaus are twelve XXXX accounts pay status " Account 120 days past due '' Accounts as follows : XXXX XXXX Dates opened XX/XX/XXXX appears twice {$380.00} and {$810.00}, XX/XX/XXXX- {$2400.00}, XX/XX/XXXX- {$1300.00}, XX/XX/XXXX appears twice as {$1600.00} and {$980.00}, XX/XX/XXXX appears twice as {$1300.00} and {$1300.00}, also there is XX/XX/XXXX entry {$1700.00}, XX/XX/XXXX for {$1700.00}, and XX/XX/XXXX for {$1800.00}. The other account XXXX XXXX reporting {$3700.00} account more than 120 days past due.
Complaint sub-issue: Account information incorrect

I Called XXXX XXXX today X/XX/2017 in regards to an account balance showing my my credit reports, there was no account listed in their system for me. The reporting address for the alleged debt is XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

I am XXXX XXXX. i'VE ATTACHED my social security card for verification purpose ( SSN : XXXX ) .I really need your help. my identity was stolen. now accounts are being started using my personal information.I filed a FTC REPORT ALREADY ( report # XXXX ). Please remove all fraudulent accounts as I have no know of any of these accounts due to the Equifax data breach/ identity theft. All is being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over. I did not consent to, authorize nor benefit from any of the following inquiries or accounts. Block and remove them. I identify all the inquiries and accounts listed below as to be a result of identity theft, therefore they should be removed from my account no later that 4 days of receiving this complaint.15 U.S. Code 1681c2 defines as a Block of information resulting from identity theft Also I have not supplied proof under doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW715, 719, I presume that no proof of The alleged debt, Nor therefore any such debt, in fact exist. This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

A new credit card was sent to my house on XX/XX/XXXX ( I did not receive this card ) The card was activated on XX/XX/XXXX with a phone number that begins with area code XXXX - I think the last four digits were XXXX ( all our phones are area code XXXX ). We live in XXXX  but our phones have an area code for XXXX XXXX because we use to live there. 
on XX/XX/2021 I received a text message asking if I was attempting to make a purchase at XXXX in the mount of XXXX. I replied no and received a call from the fraud department. This is when I learned that a card was sent to us on XX/XX/XXXX. I received the recent transactions with the fraud department and determine that there were several charges from XX/XX/XXXX through the XXXX at which time the card was cancelled. 
I opened a police report on XX/XX/XXXX ( XXXX, XXXX  ) police report number XXXX. 

The fraud department has told me that there was a call made from the XXXX stating that the card was not working and they were able to tie this number back to a number that was determined to be mine. They also stated that this call was recorded. I have asked that they provide me with that information because I am 100 % positive that we did not make that call - nor did we make these charges. 

All of the timing for these charges began after the card was sent and to the point it was reported as fraud. I feel very upset that I am being asked to pay for these charges. I have a balance on the card that is substantial and the only questionable charges are the ones in this timeframe. 

The credit card company told me that I have not provided any proof that these charges are not mine but couldn't tell me what proof they needed. 

I have filed an affidavit with XXXX XXXX for one of the charges. 

I have also called the company ( XXXX ) about the charges on my credit card statement. They informed me that the account was opened up on XX/XX/XXXX but couldn't provide me with any other details. 

Another thing to note is that we received letters from several companies regarding applications for recent loans. We did not apply for any loans and have worked with the fraud departments of those companies to resolve those issues. 

I put a fraud alert on the credit bureaus on XX/XX/XXXX. I also filed fraud alerts with XXXX, FTC and XXXX XXXX. 

My guess is that the person who stole the credit card from the mail box also used the XXXX to requested information on us. I could not confirm this because they were not able to provide me with any additional information. 

I would like somebody to look into this further and help resolve the issues with Best Buy Visa to have these charges marked as fraud.
Complaint sub-issue: Debt was paid

XXXX XXXX does not have the right to report to the credit agencies false information. I do not owe {$73.00} to XXXX this fee was waived in XX/XX/XXXX as part of XXXX 's XXXX XXXX XXXX ordered by the Federal Communications Commission to Keep Americans Connected. This account was not opened on XX/XX/XXXX. XXXX advised that they has since ceased collection in their office. Which is a fraudulent statement because it is still showing on my credit report for Equifax. This is a violation of my rights. XXXX has my information without the proper rights to have it. Please investigate XXXX for it's fraudulent activity in regard to fees waived by XXXX as they have unethical practices and have access to consumers social security numbers and personal information without the rights to have it. This should be made public and investigated. Equifax needs to remove this account right away. XXXX XXXX advised that they would cease collections but I am having to continuously dispute something I do not owe and they continue to report to the credit agencies in an attempt to collect which is contradicting what they said they would do. Furthermore all the information including dates are accurate. If this continues to be on my credit report I would like Equifax, XXXX XXXX XXXX and XXXX investigated for unethical practices with the Attorney General 's Office, Governor 's office, CFPB, FCC, FTC, Department of Justice, XXXX, news, XXXX
Complaint sub-issue: Information belongs to someone else

I was reviewing my credit report today XX/XX/21 because I am planning on buying a new car soon however, I noticed that there are several accounts on my credit report that I never opened. The accounts are from multiple companies all of which I am not affiliated with in any way. The accounts listed on this report were opened in my name without my permission and need to be deleted from my credit report. I suspect that they belong to a family member with a similar name as mine because it has happened in the past. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I make any payments towards any of these debts. I have already got in contact with these companies as well as filed a police report and a complaint with the Consumer Financial Protection Bureau in hopes of getting my name and credit history cleared from these unauthorized accounts.
Complaint sub-issue: Charged too much interest

I purchased a laptop from Best Buy in XX/XX/XXXX on credit - a 'rewards card ' ; bundled with it was a Debt protection service which I opted in for. Over the years as Best Buy was acquired by Citibank I tried on numerous occassions to stop this debt protection because I never missed a payment and it was unnecessary - finally in XXXX : I was able to contact this Best Buy Citibank subsidiary - I began to realize that the great adversity which one has with the online account process in fact is massive fraud. Here is an example like my own ... ..XXXX XXXX XXXXXXXX I have tried on numerous occassions to audit my account - finally I made the mistake of asking the company itself to help me ... ..now there are no records of these past many years of transactions ... .just a debt that never goes away. As a conservative and conscientious consumer it dawned on me that Consumer fraud is in a word a corporate entity which collects exceedingly high interest rates and also sells debt protection services along with it - ( conflict of interest? ). This theft of services is obviously rampant ... .I would like to recover the excessive interest which this predicament has created at least - thank you for your attention.
Complaint sub-issue: Information belongs to someone else

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within XXXX business days. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) and the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, NJ, XXXX, XXXX XXXX XXXX, XXXX, NJ, XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$21000.00}