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

XX/XX/XXXX, XXXX XXXX XXXX from North American Recovery was contacted. First of all, she was rude, but I guess that is expected. She stated the amount owed was XXXX. XXXX also stated there is no interest being charged to the account. Which is great, however, the ending balance for this account was XXXX. There also seems to be interest added of XXXX. I told her that we have not gotten any correspondence since 2016. She said that is not a problem that she can send us the new information via mail or email. I asked for both. I never got an email from her and I am still waiting on the information in the mail. 

XX/XX/XXXX, XXXX XXXX from North American Recovery was contacted. She was also rude. She also stated that a settlement can not be reached due to company policy. I asked her about why we are getting interest of XXXX when no interest is being charged on the account? She could not give me a straight answer. I asked to speak to a supervisor. She said that is not a problem. At XXXX she asked if we can hold for a supervisor? I of course said yes. I waited on the phone until XXXX with no resolution, and I was not able to talk to a supervisor.
Complaint sub-issue: Funds not handled or disbursed as instructed

I filed a charge back claim due to the company I paid not fulfilling the contract and did not show up to complete the job they were paid to do. I did not receive the money back for the work I paid them to do that they did not complete.
Complaint sub-issue: Debt was result of identity theft

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I believe I am a victim of identity theft. I have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Equifax Credit Bureau but they failed to give me any results or feedbacks about this concern. Finally, there is no name associated with this file & needs to be deleted due to inaccurate info. Please investigate and remove the listed account below from my personal credit file : MEDICAL - Acct No. XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have been trying to reach the bureaus and I'm having a hard time getting a hold to someone about issues pertaining to my credit file.
Complaint sub-issue: Account information incorrect

Hello I would like to report credit karma for showing false ads on credit cards I was approved for. This made me apply to credit cards and get declined which affected my credit score. Credit karma has done fraud and because of credit karma false approval postings, my credit score was affected negatively.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Re : CitiCard VISA complaint Citicard refused to dispute online fraud from XXXX & XXXX ( XXXX ). In a charge posted XX/XX/2019, it said they don't do " quality control '' over rentals such as the one I'd reserved in XXXX, PR. To be clear, a receipt was provided for 700SF room and no one disputed it was switched for 200SF received. XXXX   disconnected 3 calls during my initial check in and then later argued I'd stayed, so there's nothing left to argue about. CITI knew I believed a pattern of fraud based on several reservations made, most were falsely advertised, but they refused to find fraud in that case. 
Now, another charge for rental in XXXX led to discovery of several specific misrepresentations that called for XXXX 's Book   with Confidence guaranty ( like XXXX, it claims that once their " dedicated team '' gets in the loop, you're protected ), meaning they're obligated to investigate misrepresentations and relocate the victim of this kind of sophisticated fraud at their own cost. 
To be clear, my rental now was for XXXX through XXXX, but once inside we realized the fridge defect was known prior to our arrival yet undisclosed, airconditioning was admittedly misrepresented on review, bug infestations revealed issue, and dog nuisance was on premises and well known yet lied about to me during lead up to check in. So condoning lies as modus operandi at XXXX was means of nullifying my real time claim for Relocate on XXXX. Since then, it simply sends anonymous emails declining knowledge of anything wrong, ignores calls for administrative interaction, and sending surveys for its " dedicated team '' as if that type response in his particular setting were not creepy So over {$980.00} inXX/XX/XXXX& {$2200.00} was charged where clear evidence of fraud from getgo was present and withheld even after disclosure of bad actors came out. But in both cases, the reservation agency after faking amenities present engaged on obvious lies to perpetuate the illusion that Relocation was not called for. How do we get an independent review of CITI 's resolution procedures to show its deliberate indifference toward crooked billing parties ( XXXX, XXXX )? The AZ Attorney General Complaint CIC # XXXX released the prior complaint at XXXX after documenting with no outcome. Fraud must be addressed for what it is and stopped. CITI must be called for its complicity in this ongoing criminal activity
Complaint sub-issue: Trouble getting, activating, or registering a card

I have exhausted all options with Direct Express for resolution. 
The United States Treasury has deposited my funds to a " Direct Express '' card and I have not been able to access those funds since XXXX of 2021. Today 's date is XX/XX/2021. 

I contacted Direct Express at XXXX regarding this issue, including, but not limited to, the following dates, backed by evidence from the complainant 's XXXX phone account billing statements : XX/XX/2021 at XXXX am XX/XX/2021 at XXXX am XX/XX/2021 at XXXX pm XX/XX/2021 at XXXX am XX/XX/2021 at XXXX am XX/XX/2021 at XXXX am XX/XX/2021 at XXXX pm ( duration approximately 80 minutes ) XX/XX/2021 at XXXX pm XX/XX/2021 at XXXX pm XX/XX/2021 at XXXX pm XX/XX/2021 at XXXX pm ( duration approximately 37 minutes ) XX/XX/2021 at XXXX pm XX/XX/2021 at XXXX pm ( duration approximately 14 minutes ) XX/XX/2021 at XXXX pm ( duration approximately 23 minutes ) XX/XX/2021 at XXXX pm ( duration approximately 29 minutes ) XX/XX/2021 at XXXX pm ( duration approximately 21 minutes ) XX/XX/2021 at XXXX am XX/XX/2021 at XXXX am ( duration approximately 12 minutes ) Over the course of the above stated dates, Direct Express sent me a replacement card to access my funds. When recieved, and attempted to activate, the system refused. A prerecorded message said what I entered does " Not match the information on file. '' A live representative assisted me with activation. That was not successful either, so another replacement card was issued. 

When second replacement card issued, I again attempted to activate to no avail. A live representative, again, tried to assist and was unsuccessful. I was transferred to the supervisor. Again, no success in activation. I was then transferred to the supervisor 's supervisor who couldn't activate the card either. 

They sent out a third card. Activation was unsuccessful. 

Please note, at one point the Direct Express XXXX tried to personally activate my card on a conference call with the automated system. I provided my XXXX digit account number to her. She entered all my information and all i did was enter a pin number. Still, no success. " I have never had this happen before, '' she said. 

I have called phone number XXXX, the Direct Express XXXX line multiple times as well. They took my information and someone called me back. Most recently, they sent me a fourth replacement card via United Parcel Service, and charged me according to their policy. 

Activation of the fourth card was unsuccessful. 

After failure to provide access to my funds for nearly two months, Direct Express must be held accountable. I have exhausted all options with Direct Express for resolution. I just want my money. Therefore, this United States Combat Veteran submits the aforementioned complaint.
Complaint sub-issue: Threatened to arrest you or take you to jail if you do not pay

XXXX this number is calling any person associated with me and leaving voice mails. They called every family member and now found out they called my work and tried to ask personal information about me to an associate. 

I have no idea who they are. I receive several scam calls from this number and other numbers leaving threats in voice mails saying I will be served and arrested for some collection. Some voice mails provide a social security number which isn't even mine. I get unwanted calls constantly and they should not be calling family members or work. I know it is illegal for anyone to say anything personal about me to anyone else rather that information is false, as well as constantly calling with threats.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reporting the following alleged medical debts that have not been validated and updated with the company name or contact information. I do not know 1 ) if this is my debt - 2 ) if it is my debt Who I owe and where to pay! I have already disputed with Equifax multiple times over 4 - 6 months and still I do not have further information about the alleged debt listed below.

I have a right to an accurate credit file and these type of inaccuracies are unacceptable! 

Account No. XXXX Amount {$52.00} Account No. XXXX Amount {$64.00}
Complaint sub-issue: Account status incorrect

On XXXX XXXX, XXXX, I went on XXXX online banking website to make a payment on my XXXX XXXX XXXX. The payments are due on the XXXX of each month. I made a payment of {$100.00}. I received confirmation of it being received. A couple of days later, i checked back to my online account where it showed ( ACH Return ... {$100.00} ) I did n't think much of it at this particular time, until I made the XXXX XXXX payment for {$200.00} and the same thing happened again. I checked with my Financial Institution to see what was happening. It was determined that the transaction was pulling from my savings account, instead of my checking account which is the account I always pay my bills. I only keep a very small amount of dollars in my saving account. I was told that I had left off a digit that should precede the account number. I was never told that was how it should be done until this issue came about. If you look at my history of making payments, you will see that I am consisted in making my payments on time. I value my credit worthiness and have worked hard over the years to maintain a high standard of excellence when it comes to my credit score. I am sending extra documentation to help substantiate what I have written in this statement. Please reconsider removing the negative information from my credit reports with each credit bureau. Thank you. XXXX XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

Late payment that is reported on XX/XX/2019 and XX/XX/2019 is inaccurate data.
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX I noticed multiple derogatory accounts on my credit file. So I sent a letter via USPS on XX/XX/XXXX to XXXX  XXXX XXXX  asking that they allow me to validate the alleged debt. I specifically asked for a breakdown of fees including collections cost and medical charges and a copy of the medical release from the provider of service with my signature. Additionally I asked them to cease reporting to all credit bureaus until the debt was validated by me. 

My Request was not honored instead they sent a generic letter dated XX/XX/XXXX stating the they have verified with their client and confirmed the debt was valid. 

After receiving this I responded on XX/XX/XXXX via certified mail advising XXXX  XXXX XXXX  that I did not ask for verification. I asked for VALIDATION which is actual proof of this alleged debt. I advised them that I have never heard of their client whom they've verified this information with. I asked them again to please send valid evidence that I had a contractual obligation to pay this alleged debt. I advised them that I am fully aware of my rights allowed under the FDCPA. I also advised them that withholding information from the medical provider is a direct violation and that I would seek damages accordingly. Additionally I demanded the deletion of all accounts they have on file if there was no evidence of this debt under my name. 

On XX/XX/XXXX XXXX  XXXX XXXX  received my letter sent certified mail which i have proof. They ignored my request once again and sent me the EXACT SAME letter as before however this time it was dated XX/XX/XXXX. This company is clearly not compliant and have reported this invalid debt to the credit bureaus even after they received my requests. I have notified the XXXX  and notified all 3 credit bureaus of this company 's action. I need these debts DELETED from credit profile IMMEDIALELY. 
I will attach every correspondence sent to and from XXXX  XXXX XXXX.
Complaint sub-issue: Public record

I had a public record vacated from the State of New York ( Reference # XXXX ) for {$410.00} filed on XXXX/XXXX/2001. I disputed the item with XXXX, Equifax and XXXX since it was vacated, and I did not owe the monies to the state. XXXX and XXXX validated the account and removed it from my credit, but Equifax has not done so. The must validate the account, and remove it asap.
Complaint sub-issue: Was not notified of investigation status or results

I have send numerous letters to this company and they have not responded.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX I purchased a policy on my car for service in the amount of {$1300.00} for the duration of XXXX miles with Citi thank you preferred credit card. The merchant later did not honor their end of the deal therefore I disputed the charges in XX/XX/XXXX but Citi didn't resolve it claiming that they needed more info which I have no knowledge of and as I offered it for submission, she refused it on the basis she won't open it after 30 days dispute. Again in XX/XX/XXXX I disputed the same company for new issue due to not paying for their service as they promised. Citi for the second time unethically and unprofessionally lied about their dispute when I was told to submit my request in writing as well a copy of the bank statement with the {$1300.00} charges in XX/XX/XXXX, fully knowing that they will not even open dispute but they even went further to the extend of their lies to send me the copy of the bank statement so that I can included in the dispute, fully aware, it will be no dispute for this.It took almost 8 customer service and almost 3 month just to reach out to dispute department after submitting all info on line in a disputed email as requested.Today I checked the statues when I was told again that they can't do it and here is a {$100.00} courtesy ; while transferring me to Citi card extended warranty as they assured me is a better help for me on this matter who in return told me that my issue is a dispute one and again transferred me back to dispute department.The representative then told me that they have refunded me the {$1300.00} permanently and when I asked her but I am not seeing that on my statement because I was on line at the time looking at my bank statement, she assured me that was done the previous day XX/XX/XXXX and will show up on the statement in 24 hours ... ... ..liars flat out lies.Then I requested to speak with a dispute 's manger in which she transferred me to overseas customer service. Up to that point I was super mad with all the games and the run around with their full mouth lies fully knowing they have not even opened a case for dispute. Finally I was again transferred to a manger in USA who let me know that they can't have a dispute and there is no refund on my statement neither Citi extended warranty deal with that .... The whole time I wasted my energy and time while they are fully aware and kept on insulting me with their lies over and over giving me the run around that was no dispute ... ... .I am more complaining about the ethnicity of their conduct which misleads their customer like me and the untrustworthiness of their big fat lies, my financial loss and my emotional stress to deal with all this insults with poor professionalism ... it is chocking to see this coming out of a big company like Citi Bank XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX Account 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 XXXXk XXXX XXXX, City of XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX  # XXXX, XXXX # 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 an account without my written instructions.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, and SXXXX 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 US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written consent.
Complaint sub-issue: Information belongs to someone else

XXXX submitted statements to Equifax and XXXX stating that my information had been used to obtain a loan fraudulently. 

They still claim the loan in question was made by me and not through fraud. I called to get the fraud form that they stated needed to be filled out and yet harassed me when I called to do so. They claim on one side they have this call recorded yet once again claim that this call doesn't exist. 

I have filled out all the reports that they require. They refuse to remove the item from my reports yet have no problem reporting fraudulent activity on my report.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

A company named " XXXX XXXX ( XXXX ) '' started sending me emails about my XXXX student loans. I asked them to stop emailing me. They said they would not. The email address being : XXXXXXXXXXXX. I told them they were spamming me about a student loan that I had made payments on the week prior and informed them I would report their email as spam.
Complaint sub-issue: Information belongs to someone else

I was checking my credit report and I was shocked! Where these accounts came from? I never used them. I dont understand why you put it on my name! I think someone hacked my personal information
Complaint sub-issue: Attempted to collect wrong amount

I received an electronic debt letter from Hunter Warfield located at XXXX XXXX XXXX XXXX, XXXX, FL. I am not aware of this company and have never did business with them. When looking at the letter I notice violations of : 15 USC 1692b ( 5 ) 15 USC 1692e ( 10 ) 15 USC 1692b ( 2 ) The letter was also in violation of 15 USC 1692c ( a ). 
Again, this company is completing identity theft, I have not done business with this company. Please remove off my consumer report and provide compensation for the violations.
Complaint sub-issue: Information is missing that should be on the report

CIG Finance Repossession in XX/XX/XXXX - no disposition of the vehicle has ever been reported ( was it resold, etc ) Account was inactive through XX/XX/XXXX. XX/XX/XXXX company fraudulently added that account was positive in XXXX, that payments made - that is incorrect. They then added additional charges - {$320.00}, as if the account was active and now it reports as if payments had been missed. the DLA ( date of last activity is XX/XX/XXXX ).
Complaint sub-issue: Deposits and withdrawals

XX/XX/XXXX - Without any fraudulent activity whatsoever, or anything that could be perceived as such, Bank of the West " temporarily blocks '' my debit card without contacting me. 

I notice over the next few days transactions declining. I thought, that's weird, and I have the balance to cover, must be a problem with the bank. I used a credit card and moved on. After the 3rd time, I was really concerned and tried to call the bank. I sat on hold for over an hour in a business waiting to pay for my items. It was a waste of time, and an embarrassment. At this point I couldn't wait on hold anymore and had to just move on with my day. 

XX/XX/XXXX - 5 seperate calls to the bank. 3 to the customer service line totaling 6 hours on hold, 2 to the local bank, which is simply an automated " We are open from these hours to these hours '' and hangs up. I am extremely frustrated, and don't have any more time in my schedule to deal with this at the moment. The bank is refusing any attention to my problem. I still have not been able to access my funds since the XXXX. 

XX/XX/XXXX - Send a message through banking app requesting information, get a response telling me to call the Fraud Prevention Department. 

XX/XX/XXXX - I call Fraud Prevention Department number provided, they say that they have no record of my account at all and to contact customer service - the same people who told me to call the FPD. Attempt to call back the Customer Service Department, still waiting on hold. The customer service line has been " experiencing higher than anticipated call volume '' for over 10 days without customers being able to reach them at all. They do not care that my bills will be overdue because of their negligence. As of today, their website and mobile app are down in several ways ( cant check balances or access home equity line of credit services ) and there is nobody available via phones either. That means 0 % access to accounts for almost two weeks.
Complaint sub-issue: Threatened to take legal action

I was contacted by this collector ( not the original lending company ) stating that I owed money to the original lender. I asked for more information on the matter, including a letter in the mail and was informed that the original lender had already sent XXXX letters since 2011 and that 's all they are required to do. They stated that the original lender would take legal action if I did not take care of this matter today. I told them I was unable to setup any sort of payment without more information on this loan. I have tried looking everywhere and ca n't find anything on the original company so I have nowhere to contact. The man gave me until XXXX today and I did call back before yet got his voicemail. This entire thing sounds XXXX and I do n't know all the laws of this type of situation but I did n't think what he was claiming ( the time-table ) was correct or lawful.