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

My credit card was used without authorization, there are fraudulent charges on my account, I did not suthorize these charges XX/XX/2019 - XXXX XXXX - {$2600.00} XX/XX/2019 - XXXX XXXX - XXXX XX/XX/2019 - XXXX XXXX - XXXX I have contacted the bank several times, via phone, and sent in the fraudulent charges documentation on XX/XX/2019 and again XX/XX/2019 The bank initially credited my account, then on XX/XX/2019 they have reverse the credits and debited my account without investigating these fraudulent charges. The debit appeared on my account on XX/XX/2019 - they have sent me the documents to be filled out dated XX/XX/XXXX, but I did not receive the documents until XX/XX/2019, which I have returned on XX/XX/2019, but ty this time the debit was posted on my account, and the investigation was concluded. There is no evidence that these charges are valid, there is no receipts, etc .... 
I have been calling the bank weekly since then, sent multiple email messages, but the bank is not responding. Every time I call, no one is willing to discuss the fraudulent charges, and they are telling me that the case is closed. I did not make these charges, therefore, I should not be liable for these fraudulent charges. Obviously, I'm not going to be able to pay these charges. 
I would like these charges to be removed from my credit card account, and the interest charges as well.
Complaint sub-issue: Information belongs to someone else

These fraudulent accounts are reporting on my credit report. 

XXXX XXXX {$13000.00} XXXX XXXX {$2600.00} XXXX XXXX {$420.00} XXXX XXXX {$1000.00} XXXX XXXX {$4400.00} XXXX XXXX
Complaint sub-issue: Problem getting your free annual credit report

I have been trying for months to get a copy of my credit report from Equifax and the website always tells me my information doesn't match their records or that they are unable to process my request ( no reason given ). My information was amongst those affected by the data breach and I already know of one erroneous item on my credit report ( which I had corrected with the other agencies in less than 24 hours ). I can't dispute the account without a confirmation number from a credit report they won't give me. It simply shouldn't be this hard to get a credit report ; it certainly isn't a problem for potential creditors. I've tried the phone number but there is no option to talk to a live person so it tells me it can't help me. My only option seemed to be to send my personal information by mail to these people but it seemed extraordinarily risky. I went ahead and sent them copies of my lease and social security card. I am waiting for some response to this request. It seems to be very easy for everyone except me to get hands on my personal information with Equifax. I have had no problems at all with the other credit reporting agencies. Their systems are very efficient. Equifax is too inept to have so much power over people 's lives.
Complaint sub-issue: Information belongs to someone else

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The XXXXdit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX account ( XXXX ) has been settled and closed at {$540.00} on XXXX. See attached. 

Equifax still shows it as a negative account with a balance.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax you are reporting XXXX XXXX on my report but there is false incomplete information .Remove this account for violation s.enclosed are the documents show my case
Complaint sub-issue: Public record

Equifax is reporting and inaccurate XXXX XXXX XXXX Bankruptcy on my credit report. I have disputed this numerous times and I have also provided a letter from the clerk of court that stated they do not verify information with the credit bureaus. Also it indicates that they verified through a third party company called XXXX which is a violation FCRA, XXXX XXXX, paragraph ( XXXX ) ( B ) ( iii XXXX regarding procedures and results of reinvestigation states " ... if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ... '' XXXX reporting agencies are required to conduct investigations of disputed items with the " furnisher '' of information. The Bankruptcy Court should be the furnisher of information, not a third party source such as XXXX. 
Lastly I have a freeze on my XXXX XXXX profile so it was impossible for them to verify such information. Attached are documents to validate my statements.
Complaint sub-issue: Problem accessing account

Hello, I opened an account with Ally Bank on XX/XX/2022. I later funded this account with {$80.00} from XXXX XXXX, linked the Ally account to my XXXX account, and used it one time to purchase food online. 

I got an e-mail at XXXX AM stating " Your telephone banking PIN has been changed '', despite not having made any changes to the account. I called Ally support that afternoon, and after I answered my security questions I was told that the account had been temporarily frozen and was under review. The customer service representative mentioned that it could take their team up to two weeks to investigate. 

I do not trust Ally 's ability to resolve this issue quickly, and I figured I would submit this complaint now to help expedite the issue as necessary.
Complaint sub-issue: Information belongs to someone else

I was called by a collection agency about a debt that I had no knowledge of. So this prompted me to pull my credit report. I do n't know if my identity was stolen because I do n't know who could have done it however I have so many accounts on my report that do n't belong to me! I was really shocked and started contacting the creditors trying to see what I could do to correct this awful problem but each creditor basically acted as if I was lying and asked me to pay anyway! This treatment is illegal and I am currently looking for legal counsel. This is a final attempt to get these items removed please help! The accounts that are reporting that are not mine and that I have no knowledge of are listed below, XXXX XXXX XXXX, XXXX XXXX/XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX. XXXX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. I have no knowledge of these accounts! I have tried desperately to correct this problem. Please help! No one should be treated this way!
Complaint sub-issue: Reporting company used your report improperly

Equifax exposed my credit information during the cyber attack announced on XXXX XXXX, 2017. I 'm extremely concerned about this breach and their response to it. They 've recommended that those who have been exposed should register on a new website ( not a subdomain of their website ) and enroll in their TrustedID Premier program. What is not made clear, is that those who enroll relinquish their right to participate in a class action lawsuit. They are using fear to reduce their risk of litigation and have left a massive number of people vulnerable to fraud.
Complaint sub-issue: Account status incorrect

I am a XXXX in college and have an issue regarding 2 hard inquiries on my XXXX   account. The credit reporting service I use is XXXX XXXX and when analyzing my Credit health, two hard inquiries are still present, which is false information. I contacted Discover Bank ( where both inquires came from ) last year, and both inquiries were removed off of XXXX and XXXX. 

XXXX First Inquiry : XX/XX/2017 Discover Bank Second Inquiry : XX/XX/2017 Discover Bank
Complaint sub-issue: Can't close your account

I received a new master card bill opened in my name addressed to my home address that i never opened with a charge of XXXX $ purchase at XXXX XXXX XXXX which is a fast food restaurant to my knowledge. I called the company " XXXX XXXX XXXX Master Card '' at XXXX XXXX the name on the bill and told them that I never opened the account and it's fraudulently opened using my name and ask them to close it and I'm not paying the balance. Instead they asked my SS #!! .I told them. " Are you kidding me?? why would I like to give you my info when this acct is fraudulent .why would I supply my personal info to close an account after i gave the acct name and account last 4 digit? ..i asked them to close it but they insisted to know my SS # and they werent even interested to know the full acct 16 digits #! I hanged up. I think this company is fraudulent trying to lure people giving their SS #. 
The company name is SXXXX XXXX XXXX   MASTERCARD XXXX XXXX XXXX XXXX AZ XXXX It shows connected with the Citi Group.
Complaint sub-issue: Deposits and withdrawals

I have $ XXXX assets across my US bank accounts.. In XXXX or so I created a child account for my daughter XXXX, just to get her an ATM card for emergencies. She barely ever used her account and she has access ONLY to her account, not to my other accounts. 
On XX/XX/XXXX, we noticed suspicious activities on her account ( some unknown XXXX transfers ) and contacted US Bank 1-800 number about this on XX/XX/XXXX ( the next biz day after we found out ). I was told that their fraud dept is looking into this ( person XXXX ) and that they would contact me. Had to wait for her to return from PTO when she sent us to the local branch. OK, so we went to the local branch and were told this would be resolved in 10 days. When more than 10 days passed with no outcome, and went to the brand again, at that time we realized also that all our account have been blocked. 
So just because XXXX account currently shows negative {$700.00} balance ( her balance before the fraud was {$300.00} ) they now blocked all my $ XXXX assets.. and my scheduled payments are bouncing off and I am being charged penalties. 
I have been reaching multiple times both via phone and in person at the local branch, and one moment they tell me to open a new account with them, close the old accounts ( since they supposedly might also have been compromised ) and transfer the balance to the new account, and the next moment they say I can not do that since my fraud claim was rejected with no further explanation and no access to my funds. 
I told them that if they are concerned about that - {$700.00} balance, lets put {$1000.00} aside from my account, but I really need to reestablish my access to the remaining $ XXXX to no availsomehow they just do not care??? 
Any chance you can help me here with my customer rights? I would have never expected this from US Bank ( such well known institution ) and I had been their customer since XXXX.
Complaint sub-issue: Can't get other flexible options for repaying your loan

Hi, In XXXX and XXXX of XXXX, and XXXX, XXXX and XXXX of XXXX, I took advantage of two months of forbearance provided by DIscover student loans and Sallie Mae. These payments have been marked as late or missing payments and have significantly impacted my credit and credit history. I would like to have these late payments removed from my credit report.

Secondly, I have 2 loans with discover student loans and 1 loan with Sallie Mae with interest rates between 10 and 12 percent. Because of the hit on my credit from the forbearance mentioned above, I have not been able to refinance and consolidate these loans for a better interest payment. I am writing to see what options are available for consolidation and reduction of my monthly payments and interest rates. 

Thank you, XXXX XXXX
Complaint sub-issue: Attempted to collect wrong amount

This is the following complaints ( XXXX, XXXX ) because none of my questions were answered which means did not investigate. 
I will answer the discover statement too why it is a false accusation in the first place before I take legal action. 

XXXX*1. Discover stated " Additionally, our records confirm that we attempted to contact you by phone 99 times from XX/XX/2020 to present to assist in the repayment of your account. Please see the details to my investigation below '' => I closed my Discover card on XXXX XXXX. so your accusation is false which is fraud too. ( I attached the e-mail of closure that you guys sent me for the complaints before ) => I told you guys I can not be reached any longer from XX/XX/XXXX that is why I wanted to pay ahead. If you guys investigated, you are supposed to have that in the file as well XXXX XXXX asked million times that I want to see all the transactions of {$220.00}. please show me and tell me what are the transactions because I was not even in the United States and closed the account. so I really want to know what are the transactions. ****************************************** Please refer this from Discover statement. 

" I wanted to see the transactions On XX/XX/2020, your above-referenced payment in the amount of {$220.00} was returned unpaid as your external financial institution advised that the account was closed. ''
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX, has reported to my credit incorrectly, recently XX/XX/2021 they updated a 6 year old charge off on my credit incorrectly with Equifax. My score went down 100 points. They are showing i have no good payment history only the bad. They removed the correct reporting and added something new. This vehicle should have been paid off because I had gap insurance and they received the funds. XXXX  also is increasing the charge off amount each month. The credit reporting isn't consistent. The reporting to XXXX  shows I have a current a current missed payment and currently null which isn't showing, the credit need to reflect the correct information. I have two accounts with XXXX  they need to be updated on my credit report. I have tried many times to fix this. I have been punished due to their incorrect information. Forced to pay higher interest rates and fees due to XXXX  incorrect reporting.
Complaint sub-issue: Their investigation did not fix an error on your report

I was searching for a home loan and they added all of them lowing my score to were I dont get the loan now they are to combined home loan inquiries if between a XXXX time and they didnt and refused to fix it because they told me they are a privately owned company and the government cant do nothing about it so I tried to dispute them because some of the hard inquires the companies said they do nothing by there policy I have to contact the credit reporting agency to dispute so now the credit reporting agency said they will do nothing and now I ma blocked from writing calling and online disputing or any information and I have proof of everything. And some inquirers when you call them there number is disconnected then I called the credit reporting agency and they said they dont care. 
I cant attach any information because its all online and when you try to print it the credit reporting agency 's web page errors out
Complaint sub-issue: Transaction was not authorized

Please be advised that on XX/XX/2020 we became victims of a fraud. 
While checking my emails in the morning I noticed an email from Citibank notifying me of a XXXX transaction of {$2000.00} to XXXX. Right away I logged in into XXXX and I noticed the transaction, however the balance of the account remained unchanged. Later on was apprised that this transaction was a failed attempt. We did not authorize this transaction. 
I called customer service right away and I have been told that there was another transaction for {$2100.00} to NAME WITHELD. This one went through. We did not authorize this transaction either.

My account was blocked and when we went to the brunch to open the new account we were also apprised that the phone number on record was different. XXX-XXX-XXXX is not a number associated with our phones. We do not have any contacts associated with aforementioned phone number. We do not know anyone by the NAME WITHELD We did not do any business, purchases or any interactions whatsoever with anyone by that name. 
We had our debit and credit cards and phones in our possession on all times and obviously we did not share out credentials with anyone. 
We DID NOT authorize the transaction for {$2100.00} on XX/XX/2020 We DID NOT authorize the transaction for {$2000.00} on XX/XX/2020. 
We have been Citibanks loyal customers for over 20 years. We always believed that our money were protected in our bank! 
We filed the police report for the crime of grand larceny. The copy of the complaint is attached. 
We are asking Citibank to fully investigate our claim diligently and to credit our account for {$2100.00} stolen from us.
Complaint sub-issue: Information belongs to someone else

After requesting my credit report from Innovis in XXXX, I was shocked to find two files that were not mine. I immediately disputed with them. They said that the accounts were verified and so I contacted the creditor 's in question who both said they were reported in error and should be removed. However to date Innovis has maintained the erroneous reporting of these accounts. The two accounts in question are a XXXX account and a XXXX account. Please see the attached certified copies of the letters I received from the companies and my most recent Innovis credit report.
Complaint sub-issue: Reporting company used your report improperly

There was an collection account report to my Consumer Report on XX/XX/2018 by University XXXX in XXXX XXXX XXXX XXXX, GA XXXX. I never been to this XXXX and contacted them asking them to remove this from my Credit Report and they refuse to. My Constitutional Consumer Rights have been broken for under 15 US 1681 b ( 2 ) it clearly states the following : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I did not give XXXX XXXX or anyone there the approval or consent to report anything on my behalf on my Consumer Report. This is a Violation of Rights and no matter what they their policies state it does not supersede Law.
Complaint sub-issue: Information belongs to someone else

I have unauthorized accounts & inquires on my Credit report. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) any unauthorized items on my report must be removed if not 100 % accurate and verifiable. Please Remove this From my report. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed
Complaint sub-issue: Problem lowering your monthly payments

The original Loan ( XXXX ) in XX/XX/XXXX was for disbursement from Salie Mae was {$10000.00} with a 9.25 % interest rate deferred until leaving school. 
The pymts began in XX/XX/XXXX & since the interest rate has increased to 10 % & the amount went from {$130.00} to {$140.00} with a current balance of {$10000.00} as of XX/XX/XXXX The 2nd loan ( XXXX ) was for {$7600.00} in XX/XX/XXXX with a 9.625 % also deferred. 
The current balance is {$7500.00}. The pymts began in XX/XX/XXXX at {$93.00}. The interest rate is now 9.875 % with pymts of {$98.00} The 3rd loan ( XXXX ) was in XX/XX/XXXX from Salie Mae for {$4000.00} with a 7.25 % also deferred. The current balance is {$3200.00}. The pymts began in XX/XX/XXXX were at {$50.00}. The interest is now 8.25 % with pymts at {$51.00}. 

As you can see no matter how I try the interest & pymts go up & the balance hardly decreases. When Salie Mae was contacted I was told that this is what I needed to pay & they would not change anything. Additionally the interest rates would continue to increase so I would owe more. 

This is a co-signed loan. I am XXXX XXXX 's Grandmother so it is becoming increasingly difficult to pay. He is still only at entry level at the job he has from his education & it is difficult for him to pay rent etc & give me money for the loans. 

I do not understand how they can continue to increase % 's as I pay each month. I asked the criteria about that & got nowhere.
Complaint sub-issue: Was not notified of investigation status or results

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back
Complaint sub-issue: Account terms

XXXX is not up to date, card have a credit balance not {$8700.00}
Complaint sub-issue: Problem with statement of dispute

In XXXX 2015 I purchased a car for my daughter, paying CASH. 
Equifax reported that my credit rating was too low to buy a car using cash? 
They reported my bank account at XXXX % of its actual value. 
They said my rating had to be lowered.
Complaint sub-issue: Debt is not yours

I have been trying to get someone to listen when I say that this XXXX XXXX XXXX bill is not mine I never lived in the property they said the bill was was supposed to be. I have also been trying to get this 3rd party company to take it off my report along with all 3 agencies A third party can not report on your report and all 3 agencies are letting them do it over and over and over again. I WANT THIS STOPPED NOW. I have disputed this till I am sick of it. Legal action is next!!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX Account number XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX rXXXX  XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX XXXX XXXXn, XXXX XXXXu 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 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Complaint sub-issue: Problem getting your free annual credit report

Ive been requesting my free credit report from XXXX, Equifax, and XXXX  since last year i havent been able to receive them or no response!