Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information is missing that should be on the report

Dear to whom it may concern, My name is " XXXX XXXX '', I'm writing request inaccurate items in my credit report need to be removed. According to the Fair Credit Reporting Act, I expect you to complete this verification withins 30 days. 
" Name reported '' XXXX XXXX XXXX XXXX  Opened Date XX/XX/XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 
**Student loans** _XXXX XXXX XXXX Opened Date XX/XX/XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. The collection agency has no account number or contact information associated with the account on my credit report and demand this is removed. 
**Student loans** _ XXXX XXXX XXXX  Opened Date XX/XX/XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 
**Credit Card** _XXXX XXXX XXXX Opened Date XX/XX/XXXX How there can be XXXX $ monthly payment in a closed account. There are high balance of {$1000.00} when the Amount past due is {$360.00}. This account need to be removed immediately, there is no need to reinvestigate. 
**Credit Card** _XXXX XXXX Opened Date XX/XX/XXXX I never have any financial obligation with this company. Please delete it!!!! 
**Credit Card** XXXX XXXX Opened Date XX/XX/XXXX how there can be XXXX XXXX monthly payment in a collection charge off account. This account need to be removed immediately. There is no need to reinvestigate!!! 
**Credit card** XXXX XXXX  XXXX Opened Date XX/XX/XXXX How there can be $ XXXX  monthly payment in a charge off account. The account balance is XXXX $ when the amount past due is XXXX . Delete it immediately!!! 
**Credit card** XXXX XXXX Opened Date XXXX XXXX, XXXX This charge off account is not mine. Someone intended to put them in my credit report in order to make me pay for something I don't own. In addition, The amount past due is XXXX $ and the account balance is {$770.00}. DELETE IT IMMEDIATELY!!! 
**Student loans** US DEPT OF EDXXXX  Opened Date XX/XX/XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. The collection agency has no account number or contact information associated with the account on my credit report and demand this is removed. 
**Student loans** US DEPT . OF EDUCATIO   Opened Date XX/XX/XXXX This account is not belong to me. I have never receipted any mailed disclosure and early notice before this is listed on my credit report. Please provide payment agree and full documentation about this account or you must delete it in time frame of 30 days.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

While checking my most recent credit report, I noticed credit inquiries that I did not authorize.
Complaint sub-issue: Problem with customer service

On XX/XX/XXXX I sent the customer relations department the following secured message : " I will be traveling to the state of Nevada ( XXXX XXXX and surrounding area ) beginning XX/XX/XXXX through XX/XX/XXXX. Please notate my account accordingly. Thank you. '' That same day I received an automated ( canned ) response from the credit card company that said the following : " We appreciate the opportunity to assist you and hope the following addresses your inquiry. 

Our Fraud Early Warning department can customize a travel suppression to accommodate your needs while traveling. Please contact Customer Service at the phone number shown at the bottom of any Account Online screen within 24/48 hours of your pending travel. When you call, a representative will ask you for the following information and can discuss international or foreign fees : 1 ) CARD NUMBERS YOU WILL BE USING 2 ) WHEN TRAVEL WILL BEGIN 3 ) WHEN TRAVEL WILL END 4 ) WHAT STATES WILL YOU BE USING CARD 5 ) ESTIMATED TOTAL AMOUNT YOU WILL BE CHARGING 6 ) ESTIMATED NUMBER OF TRANSACTIONS 7 ) PHONE NUMBER WHERE YOU CAN BE REACHED. 

We trust that our response has addressed your inquiry. If not, please reply to this message or contact one of our Customer Service representatives at the phone number shown at the bottom of any Account Online screen. '' I responded advising the company that I had already notified them of the specific dates and location of my travel. And that it is unknow to me what amounts I will be charging, nor the number of transactions I will be making. It is my assumption that I am permitted to use the credit card in a fashion that I see fit to within the limits of my available credit. 
Citi Bank has refused to assist me with this matter and is requiring me to speak to them personally. This is something that is very time consuming and a simple notation should be permissible on my account using a secured message portal on their system. This company continues to refuse to address my legitimate concern and I am filing a formal complaint against them with your office in order to have my legitimate customer service matter addressed.
Complaint sub-issue: Debt was paid

To whom this may concern, Hi I am seeking assistant regarding a collection agency by the name of ProCollect located in XXXX, Texas. This agency has placed a collection account on my credit report for an account that was paid years ago & they refuse to remove it despite the documentation proving it was paid. 
Because the account was paid years ago it should have never been placed on my credit report in XXXX. This has caused my credit score to drop significantly & I have been unable to apply for a home for my children & I for 7 months. 
I have contacted the Credit Agency XXXX & also the XXXX XXXX XXXX, unfortunately these agencies do not protect consumers & allow this predatory collection agency to take advantage of innocent individuals. 
This company ProCollect has over two-hundred and forty complaints on XXXX XXXX XXXX Website and all consumer complaints are consistent with the same complaint that this company is trying to collect a debt that is not owed. 
I am seeking assistant to take this company down & hold them responsible for every fraudulent account they have sent to the credit bureaus & trying to collect money for unlawfully. 
All consumers & attorneys are welcome to contact me in regards to this matter. 
Please provide assistant immediately to hold ProCollect responsible. 
The account for XXXX XXXX XXXX was paid in XXXX, ProCollect placed the collection account on my credit report in XXXX. From XX/XX/XXXX to today XX/XX/XXXX I have been contacting ProCollect to remove the fraudulent debt they recreated. 
I have submitted documentation of the account paid in XXXX.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2020, I purchased active wear for XXXX XXXX from XXXX and I disputed the charge for non receipt of merchandise. The shipping department requested that the merchandise be returned. I disputed {$380.00} cents and the matter still has not been resolved. Citi Bank Disputes sent me a letter stating the merchant is willing to resolve the issue with me, however the merchant is stating that the credit card company still has the funds frozen regardless if the dispute is closed. 

I am requesting an immediate refund for this account and fully refunded for non receipt of merchandise.
Complaint sub-issue: Information belongs to someone else

I noticed a collection account on my credit report that is NOT affiliated with me. I have contacted both the original creditor and collection creditor to dispute this information and get it removed from my credit profile, but I have not been able to get any answers. Everyone has just been giving me the run around or the phone call gets disconnected.
Complaint sub-issue: Transaction was not authorized

I had fraudulent charges on my account that I did not get any notice about. I was notified prior about an attempt of XXXX that I did make but nothing about the fraudulent charges I did not make! I contacted the bank who said they would file a claim and I would receive credit. It's now been open 3 weeks tomorrow and I have not received any credit or any update on anything. I called last week and try said they would submit a ticket for the credit and an update, I received neither! Today I called and they said there was no update and that there was no case number ever opened, which I never received communication about. I have things I need to pay for, my mortgage check was returned, and I am out of money that I worked hard for. No one has contacted me and I have not received any update about anything. They allowed my account to be used and taken advantage of and no help from them!!! Now they want me to do another claim and for my waiting period to start! This is ridiculous.
Complaint sub-issue: Problem with customer service

I submitted multiple requests via phone and email about an issue regarding reapplying for income based repayment plans. I spoke with someone over the phone who couldn't solve my problem so I requested he tell his manager I wanted someone who can help me to contact me directly. To be safe I also emailed XXXX XXXX twice and have the emails stating they received my email requests. I did not hear back and so decided to complain to XXXX. After not getting any response back on that it was clear that XXXX XXXX   doesn't care about their loan holders in the least bit and contact with them is impossible. Finally after having to complain to XXXX, I got a letter stating to expect a letter regarding my issue as well as a contact person who would be able to help. Its awful that I had to complain to XXXX to get even a poor response. 

The letter they sent was full of blatant lies and did not address my concerns. I also was not given a name of a person in the letter and there was no contact information of who I could respond to. There is no way for me to respond!!!! 

I complained to Federal Student Aid who emailed me tonight stating my case was closed to and to expect their actual response in the mail in 10 days. I have since filed another complaint since they are ignoring my complaints and not responding in an appropriate or efficient manner. 

XXXX XXXX is impossible to get responses from despite repeated requests for direct contact. They never respond and their only responses have been now and in the past blatant lies without any accountability for their inept service. 

I feel as though my financial future is not in safe hands and is in danger. I would like to request my loan servicer be changed to one of my choosing. If this can't be done I would request that legal action be taken against XXXX XXXX for documented lies in their responses and blatantly ignoring my repeated requests for help.
Complaint sub-issue: Reporting company used your report improperly

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 


XXXX Account : XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account : XXXX XXXX Account : XXXX
Complaint sub-issue: Trouble with how payments are being handled

Auto-withdrew XXXX  from my bank account on XX/XX/2019 which is not the amount that I consented to when I signed up for automatic payments. I normally pay {$XXXX}. That is 720 % more than I have predictably paid. Called on XX/XX/2019 to explain the situation and asked for help. Was told any refund would take 60 days to process - this is totally unacceptable. I had submitted information to continue my income based repayment. Now I am severely overdrafted with my bank and racked up {XXXX of fees. 

They sent me a notice telling me to update my income based repayment on XX/XX/2019. I immediately completed it. It seems totally unreasonable to send me this notice and hike up my payment coming due 5 days later when they do not process these income driven repayment plans take 30+ days to process on their end.
Complaint sub-issue: Account information incorrect

I turned in a leased vehicle in XX/XX/XXXX. All payments made on time and nothing was owed. I was given a new lease ( XXXX XXXX XXXX XXXX that was financed through the same leasing company ( XXXX XXXX and was always in good standing and again, never late. The credit bureaus keep reporting that i was late with a payment in XX/XX/XXXX on the XXXX XXXX. This is not possible because the lease was turned in in good standing in XX/XX/XXXX and never late. XXXX sent me a letter reflecting XXXX  balance and sent the same info that I was never reported late on this account. Please help fix this problem because my scores were over 700 until this! The bureaus keep putting me late on this old XXXX account, XXXX XXXX on a XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

This letter is a formal complaint against XXXX. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I 've sent to them, they continuereporting inaccurate and unverifiable derogatory information about me to potential creditors. 
For one, I have requested re-investigation and verification of items which they are reporting in my file. They claim to have verified these accounts but it 's all electronic and therefore, they never even speak with anyone to conduct a reasonable investigation as mandated by law. 

For two, there are three accounts, in particular which they just refuse to investigate ( XXXX XXXX, XXXX XXXX XXXX XXXX ), yet  they turn around and tell me that these accounts were verified by the Creditor. However, I 've contacted the creditors and they have no record of a dispute verification request from this or any other agency regarding an account for me. 

For three, I 've actually disputed with XXXX XXXX several timesdirectly who simply refuses to validate the debt they claim I owe as requested per the FDCPA. I 'm even in dispute with them via the Better Business Bureau. And I 've sent every piece of proof that both XXXX  and XXXXcould possibly need to correct this erroneous information on my credit report yet they refuse to do so. 

That being said, I feel as though I am being fraudulently attacked by these credit reporting agencies and I also feel as though they are supporting the reporting of erroneous information on my credit files becausethey continue to report erroneousaccounts on my credit report that should not be there and refusing to adhere to my rights of a reasonable re-investigation and proper verification of this account. Not to mention the fact that they 're simply ignoring theproof that I 've sent them.
Complaint sub-issue: Information belongs to someone else

There are inquiries on my credit report that I did not make nor authorize. I asked that these companies and credit bureaus correct these errors and remove these false inquiries off my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Discover financial Serv - XX/XX/XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair reporting act, the list of account below has violated my federally protected consumer right to privacy and confindentiality under 15 u.s.c. XXXX Account XXXX .... XXXX  XXXX XXXX. 
Account number .... XXXX. 
Has violated my rights. 
15 u.s.c. 1681 section 602 A. States i have the right to privacy.

15 u.s.c.1681 section 604 A. section 2 : It also stats a consumer reporting agency can not furnish account with out my written instruction.

15 u.s.c. 1681 C. ( A ) ( 5 ) section state 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 anted ates the report by more them seven years..

15 u.s.c. 1681 S-2 ( A ) ( 1 ) A. person shall not furnish any information relating to a, consume to any consumer reporting agency if the person known or has reasonable cause to believe that the information is inaccurate.. 
There is a need to insure that consumer reporting agencies exerciese their grave responsibilities, with fairness, Impartiality, and respect for the consumer right to privacy. 
Reporting company used your report improperly obtained or used for purpose that aren't allowed by law...
Complaint sub-issue: Information belongs to someone else

I am filing this report today XX/XX/19 because unfortunately, someone named XXXX XXXX opened an account in my name without my permission. I have no idea who that person is or how she/he got my personal information. The only reason I noticed this unauthorized account until today is because I applied for a loan and I was denied due to that account being in negative standing. I did not open that account and I do not have any written/verbal contract with that company nor have I ever allowed them to run or access my credit information. I did not get anything as a result of that account being open in my name such as money, goods, services or any other benefit and I have already filed a police report.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

In XX/XX/XXXX my Best Buy credit card was charged a XXXX fee. When I got the statement in XX/XX/XXXX I immediately disputed this charge. My credit limit was 6,000 and I did not owe a balance and had not used the card in over 13 months. 

Three months later Im sent a letter stating that the dispute department deemed this charge to be mine. When I called I asked for a receipt with my signature for them to produce and once they do I will happily pay the XXXX charge. To date they have never produced such a document, I then called the credit card customer service number and the representative indicated that I call the merchant directly. I called the merchant and they provided my credit card a pro-rata refund of XXXX dollars. I then notified Citi XX/XX/XXXX that the XXXX charge was fraudulent and they needed to either dispute it with the merchant or again send me a receipt with my signature on it. I heard nothing until I came today ( XX/XX/XXXX ) and they sent me a letter stating they reduced my credit limit from XXXX to XXXX dollars and the second letter was a statement saying I owed XXXX as they charged me a late fee and interest when I never got a billing statement in XX/XX/XXXX or a receipt with my signature on it. 

I called them today and spent 3 hours on the phone filing yet another dispute that I filed for a second time on XX/XX/XXXX and refused to waive the late fees and interest as well as reinstate my credit limit of {$6000.00}. They also reported me 1 time 30 day late with the 3 credit bureaus ( which I filed disputes with them too ). I yet again advised that if they provide me a receipt with my signature on it for the original XXXX dollar purchase I would happily pay them. The supervisor advised that she had to reopen my dispute from XX/XX/XXXX. 

Its perplexing to me that I had to fix the initial fraudulent charge and Citi can not honor their fiduciary responsibilities by protecting me from fraudulent charges to which I never made and they can not produce a receipt with my signature to prove their claim that I made this initial transaction on a card I had no balance on and paid off each month ( the last time I used I bought 900 dollars of stuff ). They also tell me they can not fix my credit balance and that I would need to reapply with them for credit to get my prior credit limit and then to threaten me with collections if I did not pay the late fees and interest on a charge I never made and had to fix as they did nothing.
Complaint sub-issue: Account status incorrect

All three bureaus are INCORRECTLY reporting me as being late with my XXXX XXXX XXXX XXXX account ( XXXX XXXX. 

Each of these bureaus are reporting me as being late or delinquent and I have never been late or delinquent. I have proof directly from the creditor which is attached. This just goes to show you that all 3 bureaus are reporting false information to simply damage someone's credit. 

I need this account to be updated with all 3 bureaus immediately and a brand new credit report to be sent to me for confirmation. 

This is getting ridiculous the way they violate the law. ATTACHMENT SHOWS THAT THE CREDITOR FIXED THIS BUT THE BUREAUS ARE NOT FIXING IT.
Complaint sub-issue: Didn't receive advertised or promotional terms

I received a credit card offer from Discover Card. They lured me in with the PROMISE in writing for a XXXX month 0 interest rate.When I received the card, it was a lie. They stated in the advertisement that the card was guaranteed, upon approval, 0 interested for XXXX months. I was approved for XXXX and yet I only received XXXX months 0 interest, when I called them they said too bad. It was a classic bate and switch. I tried reasoning with them and was told too bad. I want the inquiry removed from my credit report. I work EXTREMELY hard to maintain a great score. They should NOT be allowed to bait and switch people.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

received a collection for a medical bill from XXXX XXXX XXXX XXXX XXXX. the first bill came in my wife XXXX name the second bill came in my name only, my wife has already set up a payment plan, the point is the bill needs to come addressed to her only, even though we are responsible for our bills together. if this issue is not resolved i will dispute the bill, because the doctors office send my wifes lab work to XXXX which they know is out of her network with out her permission, she thought it was being done at the hospital here in XXXX  which is in her net work.
Complaint sub-issue: Received bad information about your loan

Hi I am from ND and I am getting this information that i supposed to have signed up with this company called Nel Net/XXXX XXXX XXXX and i have never in my entire life have i heard of this company and the are saying i have 4 or 5 loans out with them and i don't. They are scammers trying to get money from me and i NEVER EVER signed a promissary note with this company. I want them stopped and investigated and they remove all information from them and all off my credit report ASAP. Thank you