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

Hi I went to a local bar on the evening of XX/XX/XXXX and made two separate transactions for drinks in which i even recall signing for in the estimated amounts of $ XXXX {$40.00} & $ XXXX {$50.00} for each transaction. The next morning I realized my card was missing from my posession and than noticed on my citi app there were multiple transactions of {$200.00}, {$380.00}, {$35.00}, and there was also a {$40.00} something charge that is no longer on the account for whatever reason. I only authorized and signed for 2 transactions which im only aware of around {$30.00} & {$40.00} amounts. I immediately called citicards to dispute this, the investigation went on until i recieved notice today XX/XX/2019 that my dispute was rejected and I owe all the amounts. Very poor security with there cards and service. They should be embarrassed of themselves that ive been a client for around 15  years with several different accounts, loans, financials, etc & through the years a few minor disputes that always resolved because im truthful. Well in this case they do not want to help secure my dispute and feel completely betrayed by the banking repationship ive had with citibank for so many years. This is disgusting on every level, they should be ashamed of themselves.
Complaint sub-issue: Account information incorrect

Alpine Credit has reported a balance of {$59.00} on all ( 3 ) of my Credit Reports. I had owed XXXX XXXX XXXX and they were actually overpaid. Now, they owe me money as I paid them {$70.00}. I disputed this with all ( 3 ) Reporting Agencies and it was only removed from XXXX. When disputed with XXXX, Alpine stated to XXXX that as of XX/XX/19, I still owe {$59.00} which is incorrect. I then contacted Alpine Credit and sent them proof that this was paid to the servicer and that they need to remove this incorrect information from my report immediately and have had no response. If this isn't removed, I will contact an attorney and see what I can do about their false reporting.
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX 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: Information belongs to someone else

Hello, XXXX Bless you all. My identity has been misused by criminals. I am a victim of identity theft. I have literally been feeling the pain of not being able to used my credit from accounts that were used without my consent. My life has took such a turn around in a negative way. I have kids who depend on me for a house and just like that I am being violated by the fraudulent accounts on my report. This can not go on no longer, I have did my research and you are suppose to protect me as a consumer. There have been so many data breaches in the last couple of years with your companies that could have effected my personal information being leaked and hacked although I am not accusing you we must understand what has taken place. My identity was stolen and I have multiple accounts that aren't mine. Doing my research I have seen that the FCRA 15 U.S.C. 605 B 1681 c2 that the accounts violate the law and have to be removed immediately, these accounts can not be validated because there are not mine so please Ive heard you try to verify them with the creditor but since my identity was stolen they will try to verify it as true which is inaccurate. As a consumer protect me from these companies who will say it was my doing when in fact I never had nothing to do with it and I am a victim. I do not want to go back and fourth with something that is not mine please fix this and protect my family from being homeless. I have filed a FTC report, Identity theft affidavit, proof of address, and a letter showing that I am disputing these accounts. Protect me as a consumer and give justice.
Complaint sub-issue: Right to dispute notice not received

I have recently been monitoring my credit report and I noticed that a negative account had been added. I did not recognize the company that reported. I contacted the creditor and discovered it was a delinquent XXXX XXXX XXXX account. They did not contact me in any way whatsoever before adding it to my credit report. They refused to work with me or remove it from my report.
Complaint sub-issue: Account information incorrect

Good Morning, I requested a few accounts to be removed since they were inaccurate, at first I didn't get a response them they were not able to probe me the accounts were legit. they just ignored my previous request and failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish.
Complaint sub-issue: Debt was paid

I signed up with services from XXXX and bundled my service with XXXX. During my set up the rep told me it was only a one year contract and that after my year contract I could cancel my services. During the year many issues arose from the billing and each month I had to call both companies to straighten out the bill. Each company was paid according to what they told me. After 15 months I canceled service and relocated to a new state. I have checked my credit report and I am being reported to XXXX different credit agencies from XXXX. Each CA has a different amount and contacting both CA 's and XXXX I have gotten no where. I would like some direction on what I can do to remove this from my report. AFNI has listed I owe {$290.00} and the second company XXXX XXXX listed that I owe {$260.00}.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Public record

XXXX XXXX XXXX has reported to XXXX incorrectly. XXXX XXXX hospital, for {$2400.00} and also {$70.00} which was in litigation and settled on XXXX/XXXX/15, the law suit in our favor and settled all past unpaid medical bills. They settled from {$63000.00} to {$7500.00} all checks were sent out in XXXX of 2015. This should not be on my credit once let alone 2 times
Complaint sub-issue: Received bad information about your loan

My employment information was provided on XXXX XXXX, XXXX and successfully documented my Public Service for qualification for the Public Service Loan Forgiveness Program. 

My loan records will demonstrate that I have faithfully made payments to my student loans for more than 20 years and have been denied the forgiveness of XXXX XXXX as well as the US Department of Education and Federal Student Aid. 
1. These student loans qualified for the program originally ( and XXXX servicing later consolidated these loans ). 
2. I made payments on time each month toward my student loans. 
3. I notified my servicing provider that I was in public service and was NEVER TOLD that these payments were not qualifying due to some sort of an issue with the consolidation. 
4. My employment information was provided on XXXX XXXX, XXXX and successfully documented my Public Service. 

XXXX refuses to pay off my student loans and my current balance is {$10000.00}. The U.S. Department of Education and Federal Student Aid  refuses to assist to resolve this dispute. 

Your assistance in resolving this is greatly appreciated.
Complaint sub-issue: Information belongs to someone else

Nelnet has consistently been a problem. Nelnet   XXXX    XXXX  &  XXXX  has been reporting errored information. I have never applied for student loans and to have an accurate errored account reporting monthly and I have been trying to remove this items for a year now. I 've sent letters, I contacted them and all I 'm told by these credit bureaus that they never received any documents.
Complaint sub-issue: Sent card you never applied for

Unsolicited credit card received XX/XX/19 Credit inquiry on credit report when no credit application was made
Complaint sub-issue: Trouble getting, activating, or registering a card

I was approved for UC benefits by state of PA and money was issued to me on a US Bank ReliaCard. I never received a card and when I called them, they promised to expedite me a replacement card. They did and I received it but was not able to activate it. I spoke to about 50 more representatives from US Bank in the last few weeks and was told I would never gain access to my funds because the account has been flagged as a fraud attempt and that " no one '' can contact or be contacted by the department that flagged it because of " security reasons '' so I'm " out of luck ''. This is unacceptable ... THIS is fraud! The situation with US Bank boils down to : " the state deemed you eligible for this money and they issued it to you but we are taking it and there's nothing you can do about it. '' The state tells me they issued my funds and that its a ReliaCard issue and there's nothing they can do. There has to be someone that can do something about this ... it is the very definition of theft and fraud!!
Complaint sub-issue: Debt was result of identity theft

I have contacted the original creditor for these accounts and explained that I have been a victim of identity theft for many years now. This has has effected my life in so many ways. i have sent in prior FTC reports showing that i was a Vitim of identity theft and these companies continue to harass via mail, by phone, and also by reporting negative and false information to the credit bureaus. I have also requested supporting documentation signed by me and there has not been any response
Complaint sub-issue: Information belongs to someone else

Company has been reporting account and does not reply to any of my inquiries.
Complaint sub-issue: Account status incorrect

On XX/XX/2017 XXXX/XXXX reported my balance as being thirty days delinquent and it was not. They explained to me when I contacted them that they were going to use what they called a reset to fix and correct the error that they were solly responsible for by their own admitition as being incorrectly reported on all three credit bureau agencies equfax XXXX and XXXX
Complaint sub-issue: Public record information inaccurate

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX po box XXXX XXXX, XXXX  XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account XXXX XXXX XXXX  XXXX XXXX : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Complaint sub-issue: Trouble with how payments are handled

They are not applying my payments to the loans I am selecting causing my loans to default. I am not getting any help from AES
Complaint sub-issue: Attempted to collect wrong amount

At XXXX I received this text from this phone # which when I looked it up was a cell phone # ( XXXX ) XXXX : This is XXXX XXXX with BHA Services , Legal Department XXXX We are a Professional Debt Collection & Asset Recovery Corporation Please contact me today for further information. Thank you in advance. http : //www.bhabillpay.com XXXX XXXX This is an attempt to collect a debt. Thank you. 

I have no idea who this is, there is no opt out option, this was the message in its entirety, the grammar and punctuation is very suspicious, and I am current on all of my bills. This has to be a scam, please look into this matter I was not sure who this was and it scared me as I was waking up so I clicked the link. Something I normally would not do but I did.
Complaint sub-issue: Information belongs to someone else

Yes so their has been 2 accounts on my credit score that have been showing up one is  AFNI and the other is XXXX XXXX, these companys put I had outstanding debt with them and Ive never opened any accounts. They were reporting I had owed money to XXXX XXXX XXXX and XXXX  I have filed disputes with XXXX XXXX and had those removed.! How can they put that on my credit without me knowing. Ive had to freeze my credit because I thought I might have had some credit fraud or something.
Complaint sub-issue: Account information incorrect

I submitted a dispute regarding two 30 day late pays, XX/XX/XXXX and XX/XX/XXXX. Due to the pandemic, my XXXX  was unable to make it and we had to shut our XXXX down. I contacted US bank to let them know that I was going to be late on my payment. It was current and made current the following month. Per the Cares act, Public Law No : 116-136 ( XX/XX/XXXX ) Coronavirus Aid, Relief, and Economic Security Act or the CARESAct - SECTION 4021 The Cares act requires the account be reported as current, i.e., the payment history field should be reported as " OK '' not being past due.

I did not receive a response from them and my account is still reporting the late pay. They are in violation of this federal Law.
Complaint sub-issue: Talked to a third party about my debt

The County of XXXX XXXX is engaged in harassment and intimidation tactics by issuing tickets to law abiding citizens and referring accounts to collection agencies. I am trying to apply for employment and these heavy handed collection practices are prohibiting me from getting hired. I went in front of a judge and agreed to pay the extortion fees assessed against me and was told I would have time to make my payment on line. However, I received a call from a XXXX party collection agency ( AllianceOne ) demanding payment from me on the alleged infraction. The county has other means to enforce collections that should not include reporting my balance to the credit agencies.
Complaint sub-issue: Don't agree with fees charged

I 've tried repeatedly to reduce the interest rate on my student loans, have been denied and advised to take out a personal loan. With a bankruptcy on record, this is not an easy endeavor. I have paid {$21000.00} in INTEREST on my student loans ; {$3400.00} has been applied to the principle. This is absurd, and I will NEVER be able to pay this off w/out getting a personal loan - which I should NOT have to do. I worked hard to earn my degree, and have a stable, steady job XXXX. Apparently, because my payments are not XXXX % of my total monthly in come, I do n't qualify for any of Obama 's current programs. I feel like I 'm just XXXX, and have no way out. I am submitting a complaint because I think being locked into an absurd interest rate because of the US Government is just ridiculous and totally unfair. I thought the point of earning my degree was to enhance my career and future. All this has done is hold me back.
Complaint sub-issue: Investigation took more than 30 days

Disputed inaccurate information on credit report and havent received any results nor communication
Complaint sub-issue: Information belongs to someone else

lost my wallet in a truck stop time after that account started appearing up on my credit report reach out to the cb letting them know that there wasn't mines but it didn't do any good
Complaint sub-issue: Can't use card to make purchases

TodayXX/XX/2018 I called Discover since I have a discover card about why I couldn't take out some money out of my account, they come to tell me without even telling me or notifying me that they closed my account today. Right now I have someone I know well helping me pay for my card and he made a payment of XXXX XXXX twice and Discover rejected both payments. Now this is a bit too much for me, esp closing my account without letting me know.
Complaint sub-issue: Other problem getting your report or credit score

trying to apply for a mortgage XXXX XXXX and XXXX came back equifax didn't come up. Called equifax they said I didn't exist and that I had no history with them. Called them talked to a supervisor and told me to send a copy of my drivers license and social security card did as told still no answer did this twice already and they weren't able to help me. Called multiple times. Need this fixed since I am trying to apply for home.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX are attempting to collect a debt from consumers and XXXX XXXX XXXX without a license to do so in the state of Tennessee. 


This subchapter does not annul, alter, or affect, or exempt any person subject to the provisions of this subchapter from complying with the laws of any State with respect to debt collection practices, except to the extent that those laws are inconsistent with any provision of this subchapter, and then only to the extent of the inconsistency. For purposes of this section, a State law is not inconsistent with this subchapter if the protection such law affords any consumer is greater than the protection provided by this subchapter. 
15 USC 1692o XXXX XXXX XXXX XXXX ID : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXXXXXX, OH XXXX Branches : XXXX XXXX XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

Equifax violation FCRA 611 ( a ) ( 5 ) ( B ) The legal restriction against the reinsertion or previously deleted information are covered by FCRA 611 ( a ) ( 5 ) ( B ) the law state that I must be notify within 5 business days of reinsertion of deleted information into my consumer file. there were no CRA notification provide before reinsertion as to the law. the same item reported twice on my consumer file two different date same item by XXXX I ask that the information be remove from my consumer file.
Complaint sub-issue: Investigation took more than 30 days

There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that?
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Act XXXX, Account Number : XXXX Amount : {$19000.00}, has violated my rights. 

On 15 U.S.C 1681 Section 602 A. ( 4 ) States that I have a right of privacy. 
>>> There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 U.S.C 1681 Section 604 A. Section ( 2 ) : It also states a consumer reporting agency can not furnish an account without my written instructions. 
>>> ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Delete hard inquiries listed. 
XXXX XXXX. 
XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX
Complaint sub-issue: Debt was result of identity theft

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The Equifax Credit Bureau is reporting inaccurate information on ( Original Creditor : ). Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Complaint sub-issue: Reporting company used your report improperly

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent a letter regarding inaccurate and unknow things on my credit report. To this day over 38 days later I have no received a response yet. I feel as if I am being overlooked and ignored of my disputes. Section 611 ( a ), it is painly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 38 days so they must be deleted as soon as possible. I demand these accounts be deleted immediately. My information was also impacted by the Equifax data breach.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Date Opened XX/XX/2014 Balance {$0.00}.
Complaint sub-issue: Information belongs to someone else

This complaint to the Bureau was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX  XXXX XXXX {$10000.00} XXXX XXXX XXXX {$76.00}