Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a dispute to request an investigation by Equifax for XXXX Account # XXXX, because of inaccuracies. ( date of last activity is missing ). 

Equifax did not conduct an investigation, as required by law. They are required to update, accurately verify or delete. 

Furthermore, as shown on the attached " results '' notification, Equifax falsified information on my credit report for this account, without conducting an independent investigation. Their notice to me states that the date of last activity has been verified as accurate, but the report and results letter clearly show that it is missing. 

Equifax inserted a date of XX/XX/2022 as " date of last reported update '' even though there was no update. This is a violation according FCRA.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

In XXXX we purchased a trip through XXXX on XX/XX/XXXX. It was a travel all-inclusive package for the dates in XX/XX/XXXX for a total amount of {$3400.00}. with the following payment structure : 1st Paydelay {$98.00} 2nd Paydelay {$560.00} 3rd Paydelay {$560.00} 4th Paydelay {$560.00} 5th Paydelay {$560.00} XXXX Paydelay {$560.00} 7th Paydelay {$560.00} My Citi Bank credit card was charged a total of 6 of the 7 payments ( line items 1-6 above ) ( the 7th line item was paid via DIFFERENT credit card and already returned to me ). 

Citi Bank has returned only line item 1 ( {$98.00} ) The other 5 payments have not been returned and I am told WILL NOT be returned because XXXX will not give me my money back even though THEY cancelled the trip at the last moment due to COVID-19 restrictions on travel. ( Attached letter from XXXX  ) Efforts to work with Citi Bank have been going for months and they have repeatedly told me there is nothing they can do which I feel is a disservice. I paid for goods I never received cancelled by the vendor in the form of a letter instructing me to contact my credit card company. 
I want my money back! 
I believe they owe me {$2800.00} by my records.
Complaint sub-issue: Information belongs to someone else

US BANK HOME MORTGAGE Remarks Forfeit of deed in lieu of foreclosure XXXX XXXX account XXXX XXXX XXXX. 
XXXX, KY XXXX XXXX ( XXXX ) XXXX XXXX XXXX   Remarks Account closed at consumers request Account paid for less than full balance Paid charge off Fixed rate Last payment XX/XX/XXXX Closed XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX USA ( XXXX ) XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act. The account below as violated my federally protected consumer rights to privacy and confidentiality under USC 1681 Account name : 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 a account without a writing 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 antedate the report for XXXXXXXX XXXX 

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer agency if the person knows or has any reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Company closed your account

The problem is from XXXX. 
We have this Macys account with a balance of {$900.00}, my husband issue a cashier check for {$900.00}, and it was applied to the account. According to Macys the payment was reversed and the cashier check returned, but it was not returned to us. I have a receipt of the payment and letters sent to Macys, while the research was going on, I continue paying the account up until XXXX and then Macys placed a derogatory in my credit report. 
I called Macys corporate and according to them, they are not handling the account anymore, and can't do anything about it, Macys will not tell me who I need to talk to and resolve this issue. 
Cashier check issued on XX/XX/XXXX ( I have receipts ). 
XX/XX/XXXX sent a fax to Macys payment research dept. 
XX/XX/XXXX Macys sent a letter that they were investigating and will notify with the resolution. 
XX/XX/XXXX Macys sent another letter to contact customer service. 
We have make lots of calls to XXXX talked to different persons and recently to XXXX. 
Hopping it will be finally resolved.
Complaint sub-issue: Debt is not mine

My daughter had a XXXX boy that had a huge crush on her and she told him that she only liked him as a friend only. He got upset and told his mom that she was saying she wanted to XXXX. She was XXXX years old at the time. So his mom called the sheriffs department in our countyand told them my daughter was going to XXXX which was not true. So the sherrif came to my hose with an ambulance and took my daughter away for a XXXX and XXXX which was a lie from that boy. The ambulance company hired Data Central to collect over {$1500.00} from me for an ambulance ride that this boys mother se into motion over a rejection lie. They need to take off this bogus debt as it is not mine but the boys mother. I had to pay apprx. {$200.00} for an evaluation which came back good on my daughter. This woman caused a lot of XXXX believing her son whom is a liar. This is not my bill, but hers to pay for her sons lies.
Complaint sub-issue: Information is not mine

THIS IS NOT A REQUEST NO PERMISSION TO PUT ANY KIND OF SECURITY FREEZE OR FRAUD ALERT ON MY CREDIT FILE. DOING SO WILL RESULT IN A LAWSUIT AS YOU WILL BE OVER STEPPING YOUR RIGHTS AS A CREDIT BUREAU. 

EQUIFAX IS IS LISTING AN ACCOUNT AGAINST ME XXXX THAT DOES NOT MEET THE FCRA GUIDELINES. I HAVE ASKED EQUIFAX TO PROVIDE ME THE ORIGINAL SOURCE DOCUMENT FROM THIS CREDITOR AND THEY HAVE BEEN UNABLE TO DO SO. THEY TELL ME TO CONTACT THEM, WHICH BY LAW IS NOT MY RESPONSIBILITY PER SECTION XXXX OF THE FCRA. I AM NOT THE XXXX LISTING THE INFO SO EQUIFAX IS TO EITHER SUPPLY ME WITH THE ORIGINAL SOURCE DOCUMENT OR REMOVE THE ITEM ENTIRELY. I HAVE ASKED THEM ON XXXX SEPARATE OCCASIONS TO DO SO AND THEY REFUSE. THEY ARE BREAKING THE LAW BY SIMPLY STATING THAT THEY HAVE VERIFIED THIS. THEY KEEP SAYING THEY ARE REINVESTIGATING BUT NEVER CAN PROVIDE PHYSICAL DOCUMENTATION THAT THIS ACCOUNT IS ACCURATE, COMPLETE AND VERIFIABLE OR EVEN MINE FOR THAT MATTER. INSTEAD THEY WANT TO PLAY GAMES WITH MY FILE. YOU HAVE 30 DAYS TO REMOVE THIS ITEM AS IT HAVE BEEN WELL OVER 4 MONTHS NOW OF ME CHALLENGING THIS AND YOU NOT BEING ABLE TO PROVE YOUR POSITION TO REPORT IT.
Complaint sub-issue: Account information incorrect

credit furnisher will not report accurate and complete information. they have continually stated the information they are reporting to the credit bureaus is accurate when in fact more than 20 violations have been identified in this one tradeline. I feel they are intentionally refusing to cooperate with 15 U.S.C. 1681s-2 / FCRA 623.
Complaint sub-issue: Problem with fees

I had an account balance of {$56.00} on my XXXX XXXX credit card in XX/XX/2018. I tried to pay it in full but the payment was " reversed '' that month. The following month, I paid {$57.00} and thought my account was paid in full ( including any interest ). I didn't realize that XXXX XXXX had charged me {$27.00} in late fees at that time. XXXX 's then proceeded to charge me ( i ) late fees of {$27.00} and interest charges of {$2.00} in XXXX ; ( ii ) late fees of {$38.00} and interest charges of {$2.00} in XXXX ; ( iii ) late fees of {$38.00} and " interest charges on purchases '' of {$2.00} in XXXX ; and ( iv ) late fees of {$38.00} and " interest charges on purchases '' of {$3.00} in XXXX. My account balance is {$180.00}. I have electronic billing and did not realize this balance was accumulating until I received a letter in the mail recently. 

I called XXXXXXXX XXXX to request removing this large sum of late fees, especially considering I had already paid of my balance -- each fee itself is high and seemingly untethered to any balance. I spoke with three different people in customer services, collections, and escalation, and the most I was offered was waiver of the last two late fees, totaling {$76.00}. I requested that waiver and asked if there is anyone else I may speak with because the fees seem unreasonable and punitive simply for failure to pay the initial late fees. I was told I can speak to whomever but the most the system allows is for someone to waive two late fees. 

I am retired and unable to afford this. I don't believe it's reasonable for an institution to stack late fees upon late fees with no apparent cap, and totaling in nearly {$200.00}. I was even told that if I don't pay the balance by XX/XX/XXXX, XXXX XXXX will charge another {$38.00} in late fees. I would really appreciate your help in sorting this out because I simply can not afford these crushing and unfair fees. I also note that my account still does not reflect that any of the fees have been waived, as promised.
Complaint sub-issue: Old information reappears or never goes away

I am writing to dispute the following information in my file. 

This item XXXX XXXX XXXX for {$340.00}, XXXX XXXX XXXX XXXX, and Conn 's Credit entries are inaccurate because I did not own any of these items charged to these accounts and I do not own any account listed as such. I am requesting that the item be removed to correct the information. 
Please review all of my supporting documents including letters to XXXX since the debt that they claimed I owed so long ago was false and now under a different name XXXX XXXX. I do not owe this debt. XXXX has removed this info at one time. It was also transferred over to XXXX XXXX XXXX, XXXX, and XXXX XXXX at one point. All of the creditors have been in violation in accordance of the Fair Debt Collection Practices Act and have been corrected 8 years ago. These false accounts have denied me recent credit and loans. I do not have any of these accounts opened in my name.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the unverified accounts listed below continue to report on my creditreport in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but Inever received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you.Please follow the law so that this matter can be resolved as soon as possibleXXXX 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: Information belongs to someone else

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELTED ARE LISTED IN THIS REPORT. I AM A VICTIM OF IDENTITY THEFT & I DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT 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: Public record information inaccurate

So I reached out to all three credit bureaus requesting that they send me information that verifies the bankruptcy. I also submitted a letter from the courts stating that they do not verify bankruptcies to anyone or any companies. Credit bureaus refuse to remove the public record information for my credit report
Complaint sub-issue: Other problem

We used our Citi MasterCard to pay for a cruise to celebrate our 40th anniversary. That transaction was on XX/XX/XXXX for {$7200.00} ( the remaining balance after a deposit of {$1500.00} charged to the card when the cruise was booked in XXXX ). This transaction appears on our XX/XX/XXXX credit card statement, which we paid on XX/XX/XXXX. 

We were notified by the cruise line on XX/XX/XXXX that the cruise was canceled and that they would refund the entire cost of the trip. We called Citi on XX/XX/XXXX to check our balance and the credit balance of {$8800.00} showed up, so we waited in queue a long time to speak to an agent to request a refund of that balance. We were told that it would take 10 days to get the refund. 

When we had not received the refund in 10 days, we called on XX/XX/XXXX seeking the status. We were told it was " in process '' but under a 3-day hold. When pressed as to why it was being " held '', we were told it was due to the amount of the refund and " banking regulation ''. When we asked for a citation for the " regulation '' we were told to go online to read their " terms and conditions ''. At this point we requested to speak to a supervisor. We spoke with XXXX who told us the hold was done by another " department '' but she assured us the refund would be done by XX/XX/XXXX and verified the bank routing number to use to do it by EFT. 

When we checked today, XX/XX/XXXX, the credit balance is still in our account. So we called Citi again and ended up speaking with XXXX, who said the refund is still " in process '' and when I requested to escalate to his supervisor he said there was nobody available who could do anything for me today and to give it another 48 hours to show up. 

Our complaint is : 1. The length of time it is taking to receive this refund ( or did take since it will likely have been received by the time CFPB processes this complaint ). 

2. Being told there is a " banking regulation '' that prevents faster refunds of credit balances.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX 2017 I send a certified letter to the credit bureaus stating I received a copy of my credit reports. The credit report showed credit inquiries that I do n't recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. I contacted the credit bureaus and all three credit bureaus refuse to remove any of the inquiries off my credit reports. The FCRA states that the only permissible purpose for pulling someone 's credit is for ; firm offer of credit, insurance, employment, and a court order.
Complaint sub-issue: Can't close your account

This all started in XX/XX/2020 I notified the bank there were unauthorized transactions on my account dates XX/XX/2020 amount {$8.00} {$280.00} {$8.00} XXXX all on the same day from XXXX  XXXX  card to card location XXXX XXXX I do not know anything about XXXX they sent me some form to fill out I did and return them about a week or two later I tried to use my card it said it froze due to fraud suspension I called and called finally I got through and ask why was my account frozen they said I needed to send in my driver license and social security card I did so on a number of occasions so I called and always received a different answer now this has been going for over a year I did what they ask me to it has gotten to be too much I need my money I just want to close the account and received my money a year is too long for any bank. bank name direct express address XXXX XXXX XXXX XXXX XXXX tx XXXX thanks for some help in advance...
Complaint sub-issue: Information belongs to someone else

I have identified information on my consumer credit file that is a direct result of identity theft. These items on my consumer report are not related to any transactions unknowingly authorized. There are variation of companies name, account numbers are incomplete, variations of balances. If there are 36 entries on my consumer credit file combine with all three of the major consumer reporting agencies which are XXXX XXXX and XXXX XXXX. My Social Security number, my date of birth and other sensitive information has been compromised by all three major credit reporting agencies which include XXXX XXXX and XXXX XXXX all three agencies have had data breaches. Within the last 60 days some of these transactions have appeared on my credit file. On XX/XX/2022 my credit score has plummeted over 100 points. SEE ATTACHMENTS
Complaint sub-issue: Problem using a debit or ATM card

I've had a checking account with XXXX XXXX in XXXX, Georgia since XXXX of 2017. I've only filed a dispute over a charge I did not recognize once in all that time. I use my debit card a lot because I really don't like to carry cash. XXXX keeps freezing my card without any notice and it makes me feel like they are trying to stop me from using my own money. It's not their money and it's not their right to keep me from using it.
Complaint sub-issue: Threatened arrest/jail if do not pay

I received a phone call from a debt collector threatening to take legal action against me. She advised me that if I did not pay the amount owed, that a warrant would be issued for my arrest. She is using empty threats to collect a debt.
Complaint sub-issue: Problem with fees

2 Citicards. Did not receive XX/XX/XXXX or XX/XX/XXXX statement by email for 1 and when I rec 'd XX/XX/XXXX statement I saw interest and late fees. Did a search of spam etc for my gmail and there was no record of the statements being received. I have been their customer for 23 years and always pay my full balance on time. After arguing with several people who told me they would not remove the fees, I sent a letter. Then I received a phone call saying they would remove the fees. I made sure to change paperless billing to receive a bill in the mail for both of my citicard accts. 
So I was satisfied but suspicious. I could have deleted 1 email by mistake but not 2.

Today I received an email stating that my other citicard pmt was delinquent. Same story, only this time only 1 statement was n't received. And this acct had supposedly been changed to paper statement. I called and the fees and interest were removed. 
My concern is that they do n't make much money off people like me because I always pay in full and on time. So I think they are sending late notices when the consumer has n't received a statement, claiming the email was n't 'bounced back '' so I must have received it. I do n't see how this could have happened with 2 cards, me missing 3 emails. It 's just not possible. There is nothing more I 'm asking from Citicards but I want you to be aware in case you get any other complaints. In light of what XXXX XXXX pulled, I would n't put it past them. 
Thank you. XXXX XXXX
Complaint sub-issue: Debt is not yours

In XX/XX/2018, XXXX XXXX was removed from my credit bureau. I contacted the company to notify them that this should not be on my credit report. I told corporate that I signed a release form which removed me from the apartments lease. They didnt have any of my information on file. Now they are reporting AGAIN on my credit report. This is not my debt. I signed to be released from the lease.
Complaint sub-issue: Personal information incorrect

I applied for rental with XXXXXXXX XXXX XXXXXXXX and the application got denied. The interesting thing i had previously resided at this rental property. I received information for the leasing staff at XXXX that my application was denied due to my credit. Mind you my application included myself and my XXXX XXXX XXXX daughter as well. According to the law in Virginia every applicant over the age of XXXX is to complete a rental application. Both my daughter age XXXX and myself applied on XX/XX/23. The leasing contacted me that it was denied due to my credit. I currently have fair credit which is acceptable for leasing and no previous evictions. So i decided contact saferent rent and ask for a copy of the consumer report used. Saferent did not screen my daughter like they were suppose to and decided to only screen me. They informed me, information was pulled from XXXX. Upon reading their screen report provided to XXXX had inaccurate information. First they had my previous address listed incorrectly XXXX XXXX XXXX XXXX, XXXX XXXX VA which caused discrepancies with my address history. Next they had listed - Decline XXXX - please deliver adverse action letter. XXXX has not been processed. This information is inaccurate and am in danger of losing the rental property we applied to. Please this is unfair practice against me and others. We have been denied rental because of this screening company. XXXX informed me they have my accurate consumer information so the mistake is on saferent. I just lost {$100.00} dollars due to inaccurate information. I lived at this property before screened me and never had a problem till they started using Saferent.
Complaint sub-issue: Account information incorrect

I have contacted Equifax 6 times in the last month and have sent them letters and disputed online. They fail to update XXXX XXXX union file - a repossession that has gone beyond the 7 year rule. THe other 2 Main Credit Bureaus have taken this off their file already. My last contact was XX/XX/2019 - I spoke with a Dispute Supervisor. She said that they do not have a record of my payments missed so she cant confirm the last reported delinquency date. Also I have a XXXX - XXXX bill that has been settled in full and Equifax refuses to update this information. What is the purpose of them keeping negative information on my file? Do they get paid more money? Can they send my file to companies who profit from loss? I do not understand. Both XXXX  and XXXX  have had no problem updating their file.
Complaint sub-issue: Didn't receive enough information to verify debt

Attempt to collect on an account that was charged off. They called and mailed notices about this but no further information.
Complaint sub-issue: Reporting company used your report improperly

XXXX - XXXX - {$430.00} XXXX XXXX - XXXX - {$860.00} XXXX - XXXX - {$6300.00} Department of Education - XXXX - {$170000.00} XXXX - XXXX -- - {$2500.00} XXXX  XXXX XXXX - {$5500.00} In according to the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I have a right to privacy and the right to determine what information is personally released about me. I have tried several times to remedy this the companies directly through email and XXXX Mail. This company continues to publish information that is false and hurting my ability to live a lifestyle with the similar privileges of my peers.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2021 XXXX XXXX XXXX XXXX " XXXX XXXX '' has added an derogatory mark on my credit report per XXXX  XXXX. Upon further research this account was transferred/sold and i am no longer responsible for the account. Debtors creditor did not verify this collection also there was no written contract or signature for the accused debt presented at any time. A bill without a written signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA XXXX XXXX XXXXXXXX XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately. My Hipaa rights have been violated.
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX and i reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I noticed on my credit report address in XXXX. I never lived in XXXX just XXXX and XXXX XXXX XXXX. Please delete any and all XXXX addresses from my credit file.
Complaint sub-issue: Account information incorrect

discover card has failed to update my account balance with all 3 credit bureaus