Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

I been receiving harassing and threatening telephone calls of profane, vulgar and abusive language, threats of garnishment of wages, job loss, being sent jail and prison, violence and death from XXXX XXXX XXXX and XXXX XXXX XXXX/XXXX XXXX  for a debt and fraudulent account thats not my account. Its extremely appalling, disturbing and frightening to be receiving phone calls of violence and death threats. I am in fear of my life. The accounts with XXXX XXXX XXXX and XXXX XXXX XXXX/XXXX XXXX are fraudulent accounts and dont belong to me. XXXX XXXX XXXX and XXXX XXXX XXXX/XXXX XXXX  is in serious and major violation of the Fair Debt Collection Practices Act ( FDCPA ).
Complaint sub-issue: Problem with fees

I am filing a complaint about Citibank AAdvantage credit card policies. On or about XX/XX/XXXX I began having problems where my Citibank AAdvantage credit card was not being accepted at various merchants. I thought it was a defective chip issue. On XX/XX/XXXX I called Citibank AAdvantage to determine what the issue was. During the call with the automated telephonic system, I was informed that I had exceeded my credit limit. No money was due, the account was not in arrears, or a late payment due. In fact, I still had credit available of approximately {$15000.00}. 

On XX/XX/XXXX I logged on to my Citibank AAdvantage account and used the online chat option to discuss the situation with an online agent ( XXXX XXXX. Attached is the transcript of that interaction, which started at XXXX. 

Rather interesting is that there seems to be gaps in the transcript.. 

Summary of Conversation ( paraphrased ) : 1. Me : I have exceeded my credit limit? The online balance is still in the thousands of dollars. 
2. Me : A payment of {$17000.00} was made on XX/XX/XXXX. 
3. Citibank : That payment is currently being held in order to verify that it will clear your bank. 
4. Me : It cleared the bank on XX/XX/XXXX, its now XX/XX/XXXX. 
5. Citibank : Your account is on hold until XX/XX/XXXX, to make sure the payment will clear the bank. 
6. Me : Why does it take so long to process cleared funds? Does Citibank pay interest to me for use of the funds? 

I did not use the Citibank AAdvantage credit card for my international travels between XX/XX/XXXX and XX/XX/XXXX.
Complaint sub-issue: Personal information incorrect

This is my second attempt to have incorrect items removed from my credit report. The accounts listed below are being reported inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA : XXXX XXXX XXXX Name ID # XXXX, XXXX XXXX XXXX Name ID # XXXX, ( XXXX ) XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX, XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX,
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax reported Hard Inquiry from XXXX XXXX on XX/XX/XXXX. I did not authorize this inquiry or have any contact with this Company regarding an account with them. 
Upon seeing this Hard Inquiry thru XXXX XXXX which I check several times a month I disputed its authenticity with Equifax. Was not satisfied with their investigation which simply told me to contact the company ... .... Mean while I recieved via USPS a package from XXXX XXXX with an invoice showing 0 dollars? Then a statement of account later showing I owed several hundred dollars for this item. 
I believe this is an attempt to Steal My Identity. Please advise the action I need to take to stop this. 
Regards, Very Concerned
Complaint sub-issue: Account information incorrect

XX/XX/XXXX late payment report is incorrect, called creditor and spoke with a representative, I was told to dispute the late payment and that they would correct the issue with all 3 credit bureaus. 

XX/XX/XXXX - Followed up with supreme solutions ( creditor ) and was told the same information by a representative.
Complaint sub-issue: Didn't receive enough information to verify debt

asof XXXX I owed XXXX to Florida XXXX XXXX  XXXX. I had a conversation with someone at Florida XXXX XXXX  XXXX to give my forwarding address for final bill. I asked about my deposit I beleive is XXXX, she told me that the deposit would be applied tothe final bill and I would receive an updated bill to pay. Today I.C. Systems XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ph # XXXX sent me by mail a collection notice for XXXX. 



Kind regards, XXXX XXXX
Complaint sub-issue: Other problem

To Whom Can Assist ; I have auto-enrolled in my credit card statement balance being paid in full. They continue to take credits from the month ahead until the payment is made. The problem is, they will still show those credits in the next statement, even if they are not available. 

Can you tell me if this is legal? I'm not able to keep track of what they are doing, and I've requested pay statement total in full. How do they get away with not doing exactly that? 

When I've reached out to the credit card company, they tell me this is what consumers prefer. Shouldn't those credits be moved if they do it this way, so that we can both track what is being done? 

You can see in my file the previous balance pulls the credits from the current month. And the current month credits are not taken in the month they are credited. 

Thanks, XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I went to dispute my credit report, there was many discrepencies post on XXXX  XXXX  site bothe with XXXX and equifax. I disputed some items on XXXX  side of XXXX  XXXX then went to post disputes on equifax site and it blocked me from doing so saying my wifi dropped..it did not drop at all just a blocking tactic.im using the same wifi to send this message to you minutes later after attempting to dispute the incorrect aligations on my reports..the dicrepencies has made my hard work keeping a high score impossible..these action against me has dropped my score over 42 points just on these recent discrepancies and 10 points the first time in 2 weeks..these discrepencies were added to my account before the next 21day credit reporting scheduale..these credit repoting companies tied to XXXX  XXXX pretty much change your score if it gets any kind derogatory information in a blink of an eye and any good information is applied in 30 days..these practices are very unfair to the comsumer and are life changing everything you do is based on your credit report, loan rates, housing, mortgages, applying for credit, so on and so on.I have no wau of sending documats to show these credit number drop because I'm using XXXX  XXXX   site to report this and do not want to loose this report doing so..NOTE .the CFCB system will not take my ssi number reporting..NOTE I WOULD LIKE THIS REPORT TO GO TO XXXX  XXXX  TO.THERE ARE NOT LISTED UNDER YOU SYSTEMS LIST OF CORPORATIONS LIST.thank you XXXX XXXX  XXXX
Complaint sub-issue: Public record information inaccurate

Chapter XXXX bankruptcy is invalidly reporting on credit bureaus have contact them to get it removed and all three major credit bureaus refuse to remove it. Along with bankruptcy the following accounts need to be removed : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX these are not my accounts they are on my report as a result from ID Theft ; credit agencies also have copy of police report and ID Theft Report # : XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I asked the credit bureaus to do a thorough investigation on my report and the did their investigation and responded with everything being verified. I did a thorough investigation my self and notice their were still inaccuracies after their investigation. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance to fair credit reporting act XXXX  accounts 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 section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.
Complaint sub-issue: Debt is not yours

Pursuant to 15 USC 1681 a ( 2 ) ( B ) Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report and they havent responded in over 30 days
Complaint sub-issue: Account status incorrect

I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the XXXX has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Inquiries XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX
Complaint sub-issue: Public record

The following accounts are showing on my credit report that have not been legally validated and verified. The original creditor has not provided validation and the Court refuses to validate this debt as they can not find any record of it. Please verify and validate it or remove from my credit reports immediately or I will begin litigation. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA :
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax continue to keep inaccurate information on my credit report. Inaccurate information on my credit causing denied of owning my own car. XXXX never produced ORIGINAL CONTRACT SIGNATURE BEARING THAT SAYS I OWE XXXX ANY DEBT AND IF XXXX CAN'T DO THAT IN 30 DAYS EQUIFAX NEED TO DELETE IT. XXXX keep saying they don't own this bill and they represent XXXX they don't. If they don't own this bill why XXXX Continue to send bill in their letter heading. I don't OWE XXXX NOTHING. KEEP SENDING BILL AND I CONTINUE TO ASK XXXX FOR ORIGINAL BILL BEARING MY SIGNATURE. XXXX, EQUIFAX AND XXXX HAS MADE MY LIFE XXXX XXXX XXXXXXXX. The information on my Equifax and XXXX credit report is inaccurate information. They refuse to remove it off my credit report. Again if XXXX CAN'T PRODUCE THE ORIGINAL CONTRACT SIGNATURE BEARING THAT SAYS I OWE ANY DEBT IF XXXX CAN'T PRODUCE WHAT I ASK FOR THEN DELETE IT.
Complaint sub-issue: Old information reappears or never goes away

I submitted to Equifax that an account was not mine ( XXXX XXXX XXXX ) they said it was and kept in report I again submitted complaint no still there I then called and told them I have never used that company before, they insisted it was my account, they also refused to remove accts the were closed past the Florida Statute of Limitations and I read that State statute overruled reporting agencies the acct was closed and reopen by a collection agency ( XXXX XXXX ). Can you please help me get these off my report
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2021 I purchased a hotel room through XXXX for XXXX nights between XX/XX/XXXX and XXXX at XXXX XXXX XXXX in XXXX XXXX AZ. The hotel advertisement on their own web site and the XXXX line description clearly states the rooms have wifi. Well, our room didn't have WiFi. I approached the staff on site and they said that is a known issue and they are willing to give me credit for {$15.00} per night for the inconvenience. The hotel staff explained to me since I had booked through a third party, the credit would come through the third party credit ( from XXXX XXXX ). After I failed to see the credit on my credit card statement, I contacted XXXX XXXX multiple time and they didn't help me. Furthermore, I disputed with CitiXXXX and they also sided with the vendor. I am asking for a credit of {$45.00} that is due to me. The hotel has to reimburse XXXX but sandwiched between large companies, I feel hopeless.
Complaint sub-issue: Problem getting your free annual credit report

Tried to obtain my credit report through XXXX. When asked to verify my personal information none of the information presented was correct and it would not confirm my identity. I strongly suspect my identity has been stolen and I need the credit reports to assess the extent of the identity theft in my name.
Complaint sub-issue: Was not notified of investigation status or results

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal.XX/XX/1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. 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. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g
Complaint sub-issue: Personal information incorrect

On my credit report there is a fraudulent address XXXX XXXX XXXX ) being reported. I have tried multiple times with multiple phone calls and letters along with proof of identity to remove this address but it still remains on my Equifax Credit Report. 

There should only be XXXX XXXX address on my credit report and EQUIFAX has refused to update my personal information correctly.
Complaint sub-issue: Billing dispute for services

ONCE AGAIN I CANCELLED XXXX   MEMBERSHIP XXXX AND XXXX IS CAPURING CREDIT CARDS AND SYSTEMICALLY CHARGING DEBIT AND CREDIT CARDS.
Complaint sub-issue: Account status incorrect

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Filed/Reported : XX/XX/2019
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX they are reporting inaccurate information to the credit bureaus and I want them to correct it. Last activity was XX/XX/XXXX but they were reporting me as Charge Off from XXXX thru XX/XX/XXXX. I am in the process of closing on a home and because of this my credit score is being affected.
Complaint sub-issue: Problem with customer service

I am a XXXX XXXX XXXX XXXX XXXX XXXX and at this time believe I qualify for Public Service Loan Forgiveness . I believe 120 qualifying payments have been made. I submitted my application for public service loan forgiveness in XXXX and waited 3 months for a response from XXXX XXXX. After waiting 3 months, I was told that my application did not qualify because I was not employed full time. I have been employed full time/40 hours at a not-for profit organization since XXXX. When I spoke with Fed loans, the customer service rep looked at my application and saw that I checked off full time but thought the " 40 hours/week '' looked possibly like " 10 hours '' due to the way it was scanned into their system. I was told the only way to resolve this was to re-submit an application and wait the additional 3+ months for processing. In my opinion it looks like " 40 hours '' not " 10 hours '' but nevertheless I have submitted another application. I would like for my application to be prioritized for review as it appears XXXX XXXXXXXX mis-read my original application. I do not think it is reasonable to make me wait another 3+ months for application to be reviewed and loan to be discharged as I have made all qualifying payments.
Complaint sub-issue: Their investigation did not fix an error on your report

My wife and I had a vehicle loan through XXXX. We paid the loan in full on XX/XX/2021. It took two months to report hers correctly but they still havent fixed mine.
Complaint sub-issue: Problem getting my free annual report

I 'm XXXX now and I 'm trying to get my free credit report and I keep getting my information does n't match my record?
Complaint sub-issue: Information belongs to someone else

I discovered several accounts reflecting badly on my credit report on XX/XX/2020 when I was denied from refinancing my car due to these accounts in negative standing. None of those accounts belong to me and I did not allow anyone to open those accounts with my information. I did not benefit anything from these accounts and I did not make any payments towards any of these accounts.
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Despite the multiple previous written requests, the unverified account listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have acopy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being " reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( aconsumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as require dunder Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of theFCRA you are required to... promptly CORRECT all information which can not be verified.Section616 and Section 617 provide me with a remedy that Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please correct the account, orinaccurate information, from my file immediately & send me the results to the address. 

XXXX XXXX XXXX XXXX Late Date XX/XX/19
Complaint sub-issue: Debt is not yours

On XX/XX/XXXX, around XXXX, my husband and I were traveling on XXXX XXXX XXXX in XXXX , when I stopped to turn left. Moments later, we were rear ended by a huge RV whose driver was on his cell phone as noted in the police report. In just a few weeks, bills from the hospital were placed on my credit report. However, due to problems with the at-fault drivers insurance, we had hired an attorney. I contacted my attorney immediately, and he apprised the hospital and other parties involved that this was an illegal report ; the bills were removed. About a year later now, around the second week in XXXX XXXX, I noticed bills from the rear-end wreck on XXXX, XXXX, XXXX, had been placed back on my credit report. AMERICOLLECT INC is the reporting agency for the XXXX XXXX in XXXX where we were taken by ambulance after being rear ended. The XXXX XXXX   is part of the XXXX XXXX XXXX XXXX in XXXX, XXXX . The amounts reported are all from XXXX XXXX XXXX ; the amounts are {$180.00}, {$210.00}, and {$150.00} and reported by AMERICOLLECT INC. My attorney has already informed these hospitals that this is an illegal report ; and, that my husband is still receiving treatment from his injuries. My husband just had XXXX and is still under a doctors care. Regardless, these medical bills were put back on my credit report just recently from the XX/XX/XXXX, wreck even with the hospitals knowing about the litigation and even after receiving information from my attorney that placing these medical debts on my credit report was illegal. The hospitals will give no response, and even put debts that I am not responsible for on my credit report despite my attorney apprising them of the situation.