Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Card was charged for something you did not purchase with the card

Citi Rewards Card Ending in XXXX On XX/XX/XXXX, I received a text message asking me if I tried to make a purchase in excess of {$4000.00}. I replied no to the text and received a subsequent text asking me to call the fraud department. I did. I was actually sleeping when the text came through, but I responded within an hour or two of receiving the text message. 

I called the fraud department and spoke to a CSR and we discussed the situation. The CSR asked me to verify some other purchases. I never made any purchases with this particular Citi card since I had it. I just kept it for the credit building purposes. Anyway, the CSR asked me about other charges for gas at some gas station, a charge for XXXX XXXX and something else. I told him I've never made purchases with this card and know of none of those places. 

The charges were all refunded back to the card. {$4300.00} to XXXX XXXX, {$4100.00} for XXXX, but nothing ever came through for gas or anything else. This was in XX/XX/XXXX and XX/XX/XXXX. 

On XX/XX/XXXX, I logged into my account to see if credit from a different vendor had reached a different Citi card from a XXXX purchase, and I see a balance of {$4100.00} on the Citi Rewards card. That same night I received a letter dated XX/XX/XXXX, indicating that Citi feels that I should pay for the {$4100.00} from XXXX because they think I had the card with me. I 100 % disagree with their findings and feel that I should not have to pay for a credit card charge that I did not make. I didn't have the card and Citi sent me a new card and asked me to cut up the previous card. I put that card away somewhere in a bin with other credit cards that I never use ; I just build my credit. 

I've never used this card for ANYTHING! I never even knew of the charges from the gas station or the XXXX XXXX until the CSR told me over the phone they there were there. Further, how could I be refunded one charge but not the other?
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. I've contacted XXXX & they told me I've never missed a payment, yet Equifax refuses to remove me from being listed as late on XX/XX/22 on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Equifax 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please correct this misleading information ; XXXX XXXXXXXX
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2700.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$19000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Problem using a debit or ATM card

My account is with ( Card.com ) I had 3 charges on my account from XXXX So I called card.com there was 3 different charges to XXXX they said no worries will credit your account and if we find that there was They would take it back.. well i never got the credit the closed the case with out Asking first..they areva bunch of XXXX  there total ( XXXX ) ( XXXX ) ( XXXX ) My name is XXXX XXXX Ive dent the papers back they wanted me
Complaint sub-issue: Personal information incorrect

I sent letters to XXXX, Equifax, and XXXX on XX/XX/2021 with no response from any of the credit bureaus against my request to remove all addresses and incorrect personal information that does not belong to me on my credit report. 

XXXX Incorrect Names - XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Addresses that do not belong to me : XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TN XXXX XXXX Addresses that do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXXXXXX XXXX XXXX XXXX XXXX, TN XXXX Equifax Incorrect Names : XXXXXXXX XXXX XXXX XXXX Addresses that do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX
Complaint sub-issue: Debt is not mine

I am contacting your agency to ask for your assistance to get a debt collection to remove damaging never account from my XXXX credit report. I have contacted XXXX several times requesting they contact this debt collector to validate this debt i supposely owe. After several attempts to get this situation resolved i decided to reach out to Consumer Financial Protection Bureau. XXXX and/ or refuse to provide any evidence that this debt belong to me such as signed service contract, copy of driver license or etc to validate this debt i supposely owe. I am demanding AFNI removed this debt from my XXXX Credit Report immediately
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 15USC 1681. 

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 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681C ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent several letters asking them how they verified a bankruptcy and always come back as verified accurate, I call the local US bankruptcy court and they have emphatically stated that NO ONE for any of these Bureaus, XXXX, XXXX  or Equifax have called once to verify the information. They are using a third party data base as i am thinking to gather or verify this type of inaccurate information.
Complaint sub-issue: Company closed your account

On XX/XX/2019, Citibank closed all my credit accounts including where I was an authorized user. No explanation was provided and when I attempted to request information, I was given a generic excuse regarding a credit reporting agency listing me as a high risk. After reviewing my credit reports I found NO deragotry information in the credit report.
Complaint sub-issue: Reporting company used your report improperly

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Old information reappears or never goes away

On XX/XX/2022 I submitted a complaint against Equifax for reporting incorrect information on my credit report. Their response was that the information I submitted was not what they had on file and needed me to send in verification information. I find it odd and disturbing that Equifax did not/ could not verify this information without my documentation however theyve been reporting this very information for over a year. I sent in the requested documentation along with my demand of permanent removal of collection account that had been previously removed and reinserted incomplete, without and notification nor the opportunity to explain that this didnt belong to me. 
No Reasonable Procedures were enforced.
Complaint sub-issue: Transaction was not authorized

Attached please find correspondence between XXXX XXXXXXXX XXXX  and Fiserv/FirstData and its representatives. 

In my initial call with with a FiServ rep on XX/XX/XXXX, I created a XXXX XXXX account for credit charges in my online store. There was no mention at all of a {$750.00} cancellation fee in using their credit processing service ; thankfully, this call was witnessed in the bank on speakerphone by my Personal Banker. There is a similar statement from her this past week into their back office which is also on a recorded line. 

As you can see from the attached correspondence, one of the financial institutions company ( referenced as an aggregate entity of FirstData/XXXX  as there is no recognizable domain from the consumer side ) acknowledges that I have not signed in nor used their services as evidenced on emails dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I received confirmation of cancellation on XX/XX/XXXX from FiServ Service Specialist Team from the Fiserv domain which was yet another missed opportunity to MENTION the cancellation fee yet to be assessed. The assessment of the fee in question took place on XX/XX/XXXX, which was not granted due to a lack of funds and ALSO caused me to incur a {$38.00} overdraft fee on my business account. 

I had been trying to cancel service to no avail beginning in XX/XX/XXXX via email, erroneously believing that one of the representatives who opened the account who were emailed would reply in a timely manner. Review of their email messages will show you that they did not respond - EVER. Several attempts from my XXXX/XXXX  branch partners to FiServ via phone and email have also not garnered any response. 

I believe that FirstData is in violation of CFPB 1030.4 ( b ) ( 3 ) ( iii ), as well as XXXX/XXXX as they find themselves in the unfortunate position of being potentially liable for committing Unfair, Deceptive, or Abusive Act or Practice ( UDAAP ) as a result of the actions of their external service providers ( FiServ ), particularly those that interface directly with customers.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

my complaint is for Aqua Finance ; on XX/XX/2019 they repeatedly called my phone at XXXX, XXXX, XXXX, XXXX, and when they called me again at XXXX i advised the person who was calling that i was at work and to please not call my phone any more because that many phone calls in a day is harrassment ( all calls are logged in my phone call log on my cell phone ) ; today, XX/XX/19, they have called me at XXXX and again at XXXX at which time i answered the phone and spoke with XXXX. I told her that they have already spoken to my husband today who has told them he would call them back to make a payment and that i asked them yesterday not to call my number anymore as i am at work and not suppose to be answering my cell phone. I spoke with XXXX, a senior analyst, and he advised me that if I could not verify who i was ( since they called me??? ) then he had no choice but to end the phone call ; XXXX told me they have 5 phone numbers on our account and they call each one 3 times a day. My account is still due for the XXXX payment and this is excessive especially since they had already spoken with my husband today. Please do something about the excessive phone calls we receive from this company regarding payment on our account. Thank You
Complaint sub-issue: Reporting company used your report improperly

( 1 ) n accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX XXXX, has violated my rights. 

( 2 ) n accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX # XXXX, has violated my rights ( 3 ) n accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights ( 4 ) n accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX, has violated my rights ( 5 ) n accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX  Account # XXXX XXXX, has violated my rights 15 U.S.C 1681 Section 602 A. States I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Personal information incorrect

My Correct Name is XXXX XXXX XXXX XXXX I'm not known by any other name my Phone number is XXXX I have no other number. My address is XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I have no other addresses. My Job is XXXX XXXX I have no other Job.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX/XXXX/202, I sent a letter to the credit bureaus in regards to inaccurate information being reported on my credit report. To this day 60 days later I have not received a response in regards to this dispute, to my understanding that have around 30 days to conduct a investigation to correct these inaccurate items or remove them from the report as stated in Section 611 ( A ) .. Since it has been 60 days to this date I demand that these accounts be removed from my credit report immediately or I will file for litigation due to the stress I have endured. My information was impacted by the Equifax data breach.
Complaint sub-issue: Information belongs to someone else

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXXXXXX XXXX XXXX  XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX NC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 ; XXXX XXXX Balance : {$0.00}.
Complaint sub-issue: Account status incorrect

ALLY FINANCIAL is reporting an ILLEGAL REPOSSESSION on all XXXX of my credit bureaus. Their repo guy broke into my CLOSED LOCKED GARAGE, which is ILLEGAL. If they can not provide proof WITH PHOTOS that they LEGALLY repossessed it, by law they must remove the account entirely from ALL 3 credit bureaus. Their verifying that is was repossessed is not the issue at hand. Please force them to actually respond with proof. Since I know they can not, it must be REMOVED IMMEDIATELY.
Complaint sub-issue: Reporting company used your report improperly

I received letter in mail from Lexis Nexis with a case number and consumer number. The report said they were going to report me to the FBI in Washington DC I was very concerned and called them It took me 35 minutes on hold with them while they transferred me to 3 different people. Then they disconnected me Then I called again and held on for 15 minutes..Then then told me there systems were updating and could not tell me. They told me to call them later in the day they would not call me..This is a threat against me and caused me stress and concern and I cant get any answers.. 
This should be a crime ....
Complaint sub-issue: Information belongs to someone else

I have had some very serious issues with my credit file over the past few years and I recently discovered that there are several problems and inaccurate data ( information ) that need correction as soon as possible. Somehow there is 3 different SS on my file, unknown addresses on my file, and so fraudulent account that do not belong to me. My correct spelling of my name is : XXXX XXXX XXXX my SS XXXX my DOB XXXX I have unverified accounts from the following companies : 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  # XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX & XXXX # XXXX
Complaint sub-issue: Account information incorrect

XXXX EQUIFAX AND XXXX IS NOT REPORTING MY CORRECT BALANCES AND STATUS AND PAIDED COLLECTIONS.. XXXX XXXX NOT SHOWING UP TO DATE STATUS AND BALANCE XXXX XXXX CREDIT CARD. NOT CORRECT BALANCE XXXX XXXX CREDIT CARD. NOT SHOWING CORRECT BALANCE XXXX CREDIT CARD, XXXX..NOT SHOWING CORRECT BALANCE XXXX XXXX XXXX XXXX XXXX PAIDED IN FULL XXXX XXXX  XXXX ... PAIDED IN FULL XXXX XXXX XXXX INCORRECT BALANCE XXXX XXXX XXXX INCORRECT BALANCE.. XXXX XXXX CREDIT CARD ... INCORRECT BALANCE I HAVE TRIED IN DISPUTES WITHIN THE LAST 45 DAYS WITH ALL THREE REPORTIING AGENCIES. NO ACTION HAS BEEN TAKEN AS SHOWING CORRECTED INFORMATION
Complaint sub-issue: Unexpected increase in interest rate

I have regularly made payments monthly, and well above the minimum due. In some instances I have also made more than one payment. However, Citi states that because of a " penalty '' they raised by interest rate from roughly 16 % to 30 %? Even after proving through my statement that I made a {$500.00} payment on XX/XX/XXXX ( due date XXXX ) this caused penalty which raised my rate.
Complaint sub-issue: Debt was paid

For months I been contacting ERC to removed derrogaroty remarks out of my credit report. I own XXXX  credit card with XXXX for 15 years or more, before covid started I put myself behind, NEVER in 15 years late, with a total line of credit of {$8000.00} never used. 
My Dad got XXXX anf priorities shifted, I still called them and I was unemployed in XXXX for 6 months and I keep them informed. In XX/XX/XXXX I resolved this debt in a settlement of {$900.00} with ERC the cpllction company XXXX  used to collect, they pulled the wrong amount due to being made over the phone with a debit card ( never again ), they pulled {$1200.00} so the bank reimburse me for {$330.00}. I called them in XXXX I told them I needed to be reported diferent in my credit since I have already paid, they advise me to talk to XXXX  that they do not do any reporting. Is been a a totally struggle and right now this account is preventing me to refinance my home. In XXXX XXXX I sent letters to XXXX XXXX the 3 credit bureau XXXX to XXXX XXXX after hearing the shoking news that my account have not been paid, this letters included copies of bank statement, letter of settlement and they still doing nothing about it. I also faxed the probe to them and e mail the satements This is unfair dealing I had paid this account in the settlement they agreeded upon which was {$900.00}. I need them to fixed I called the Law firm  XXXX XXXX and a lady by the name of XXXX XXXX said that they been handling my case as a complaint not as a dispute and that allow them to revised ONE more time the documents I Sent XX/XX/XXXX to her e mail at XXXX and give them 5 days to call back for the status. 

XXXX of XXXX showed amount pulled by ERC-XXXX  XXXX XXXX XXXX on XX/XX/XXXX transaction Statement of XXXX showed amount of {$330.00} a provisional credit from transaction XXXX.
Complaint sub-issue: Information is not mine

I am victim of identity theft and have informed Equifax that I filed FTC report and can they remove fraudulent accounts immediately
Complaint sub-issue: Deposits and withdrawals

On XX/XX/XXXX I had issues with the account setup and the holds to make money available that takes so XXXX long to become available and the fact I cant go to an atm to deposit money to my account. it has caused so much XXXX XXXX with transfers and holds to available to my account and even paying my credit cards are late!!
Complaint sub-issue: Debt was paid

On XX/XX/XXXX I used XXXX XXXX XXXX XXXX XXXX as a moving company. After moving, the movers quoted me {$460.00} the moving services including a {$20.00} tip. I provided them a credit card which they authorized and then they proceeded to write a receipt showing {$0.00} balance due. Fast forward XX/XX/XXXX, I checked my credit report and found that Recovery One LLC has placed that debt on my credit report. I immediately contacted Recovery One LLC by phone and was told to submit the receipt via email. I called back and confirmed that the email with the receipt was received, but will not be honored. When inquired why, the collector became argumentative and verbally abusive and finally threatening that the debt will stay on credit report no matter what.