Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Transaction was not authorized

On XX/XX/2019, a fraudulent transaction of {$540.00} was made from my checking account. The transaction was made to XXXX. I called XXXX the same day, and they said my debit card had been used. I did not use my debit card. The withdrawal had not been made through my XXXX account, but from someone else 's XXXX account who had fraudulently used my debit card information. My debit card had not been stolen, and I still have it. Someone apparently used my debit card info to make a XXXX transaction. The person 's name is XXXX or XXXX XXXX. I reported the fraudulent transaction online to my bank as well, which is Ally Bank. They immediately closed my debit card and issued a new one. It is XX/XX/XXXX, and Ally Bank has not given me a credit or provisional credit for the money stolen for me as required by Regulation E. XXXX told me that they reversed my transaction on XX/XX/XXXX and sent the money back to Ally Bank. I just received a letter today, XX/XX/XXXX, from Ally. The letter is dated XX/XX/XXXX. The letter states that " the disputed transaction was processed through a third party payment processor, XXXX. Therefore, the transaction is considered a merchant dispute and provisional credit is not provided, '' which I presume means they believe the transaction is not governed by Regulation E. I read this letter to XXXX, and they stated the judgement in this letter is incorrect. This is not a merchant dispute, and the transaction was a fraudulent transaction governed by Regulation E. It would only be a merchant dispute if I authorized the transaction. As I didn't authorize the transaction, it's not a merchant dispute, and is governed by Regulation E. Ally Bank knew or should have known that this was a fraudulent transaction because I told them on XX/XX/XXXX that it was. The fact that they immediately closed and mailed me a new debit card indicated that this was their understanding as well. I do not understand then why they are stating this is a merchant dispute, and why I don't have a provisional credit. I also don't understand why the {$540.00} is not back in my account if XXXX reversed the charge on XX/XX/XXXX. I called Ally Bank, and the agent said he did not see evidence of the money being sent back to them by XXXX on XX/XX/XXXX. He stated that he was forwarding a request to the Executive team, and I would receive a response in about 4 business days. Ally Bank is not in compliance with Regulation E, and the money should be back in my account.
Complaint sub-issue: Their investigation did not fix an error on your report

My Equifax credit file has an inaccurate date of birth and I have been trying to resolve this problem with them but to no. The date of birth reporting on my credit report is XXXX XXXX XXXX which is inaccurate. The correct date of birth is XXXX XXXX XXXX. I sent copy of my passport which contains correct date of birth and now I attached the same copy with complaints.
Complaint sub-issue: Attempted to collect wrong amount

So, I am a XXXX  XXXX participant with XXXX XXXX XXXX XXXX. We signed a contract with XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX. I never had the opportunity to move into the unit due to no heat or hot water.I did not know that before signing the lease. I had already turned on the proper accounts in order to access these services in my name, through XXXX XXXX and XXXX XXXX. The development XXXX XXXX had not repaired the issue of installing a new water heater which was broke., also I was not able to access heat during this winter month because their was a mechanical problem with the heating system in the unit. I was not aware of these issues until I went into the unit to turn on the heat and to take a shower. I called and went back to the leasing office to speak with the property manager who worked with me to move into the unit. I arrived and she stated that I must put in a work order for maintenance to come out. I asked if they could come now because the unit was cold and I wanted to shower. Th
Complaint sub-issue: Personal information incorrect

I have contacted Equifax numerous time to delete an address on my credit report
Complaint sub-issue: Information belongs to someone else

Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Installment Balance on XX/XX/XXXX Loan Amount {$20000.00} - Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount {$20000.00} Original loan amount - Monthly payment {$0.00} Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 60 90 30 60 90 120 XXXX XXXX - - XXXX XXXX XXXX XXXX XXXX - - XXXX - - - - - - - - - - - XXXX  {$0.00} Closed 4 late payments Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Mortgage account Balance on XX/XX/XXXX Loan Amount {$0.00} {$220000.00} Payment Info Status 30 days past due Status date XX/XX/XXXX Past due amount {$0.00} Original loan amount {$220000.00} Monthly payment - Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 30 30 30 30 2018 On Time 30 Days Late XXXX  XXXX Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status! Closed Payment Status Charged off as bad debt Status Updated XX/XX/XXXX Balance {$3600.00} Balance Updated XX/XX/XXXX Credit Limit {$3300.00} Monthly Payment - Past Due Amount {$3600.00} Highest Balance {$3600.00} Terms - Responsibility Individual account Your Statement - Comments Dispute resolved reported by grantor XXXX XXXX XXXX ACCOUNT DETAILS Account Name XXXX  XXXX  Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status! Closed Payment Status Charged off as bad debt Status Updated XX/XX/XXXX Balance {$4600.00} Balance Updated XX/XX/XXXX Credit Limit {$4500.00} Monthly Payment - Past Due Amount {$4600.00} Highest Balance {$4600.00} Terms - Responsibility Individual account Your Statement - Comments Canceled by credit grantor fcra violations cant correct it must remove it LAW
Complaint sub-issue: Information belongs to someone else

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX {$2200.00} XXXX XXXX {$100.00} XXXX XXXX XXXX {$14000.00} XXXX  XXXX {$1600.00} XXXX XXXX XXXX {$2100.00} XXXX  XXXX {$0.00} XXXX  XXXX {$1600.00} XXXX XXXX  XXXX {$180.00} XXXX XXXX XXXX {$26000.00} XXXX  XXXX {$2100.00} XXXX XXXX XXXX {$20000.00}
Complaint sub-issue: Card was charged for something you did not purchase with the card

Back in XXXX I had some fraud on my stolen card at the time I owed XXXX the part that was mine they told me to pay so I did they told me what was left the XXXX they would put in fraud shut the card and issue a new one. The whole time I thought everything was in control on the new card if I purchased something I would pay everything but the XXXX I get a call several months later with a bill over XXXX because they have been reporting my card late and charged late charges. Talked to a XXXX first she said she would clear everything never did. I talked to a XXXX he took off all late charges but never fixed the XXXX and then said I had to resend for the 5 th time what I dispute I called him back 12 times no one calls back. I am on a automatic call from XXXX XXXX XXXX
Complaint sub-issue: Information is not mine

On XXXX XXXX, 2016 I sent letters disputing items on my credit report. I submitted a copy of my ID along with my SSI card. My disputes were rejected with a letter stating my ID is incorrect. My previous address XXXX XXXX XXXX XXXX XXXX , TX XXXX is my previous address. My current mailing address is : XXXX XXXX XXXX XXXX, TX XXXX. I have submitted the letters of dispute along with a copy of my ID, SSI Award Letter, and my SS Card. Please continue to dispute the items in the correspondence attached. 

Inquires : ( past 2 year timeframe ) - MUST BE REMOVED IMMEDIATELY!!! 
XXXX XXXX XXXX XXXX XXXX Judgement : PLEASE VALIDATE THIS ACCOUNT No lease was ever signed for this property in my name. 
XXXX Creditors : PLEASE VALIDATE ACCOUNTS XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

To whom it XXXX concern : I have filed several disputes with all three credit bureaus in addition to each collection agency in which reported information on my credit reports. I have since been denied housing for such information on paid debts. I have attempted several times to contact not only this office via online complaints, phone and now by mail. Please accept the following documents in efforts to get these cases resolved within the next 5 ( calendar days ) due to the amount of time in which it has been since I have filed my first dispute. 

I am disputing the following companies : Equifax Incorrect names, addresses and collection agency disputes in which companies have not attempted to validate debt, nor remove information from credit report after accepting payment per the conditions of corresponding letter. 
XXXX - Incorrect names, addresses and collection agency disputes in which companies have not attempted to validate debt, nor remove information from credit report after accepting payment per the conditions of corresponding letter. Reporting debt in one month, then removing it, then placing it back on the credit report of a different amount ( per the collection agency- no validation of records has taken place ) XXXX - Incorrect names, addresses and collection agency disputes in which companies have not attempted to validate debt, nor remove information from credit report after accepting payment per the conditions of corresponding letter. 
XXXX XXXX XXXX accepting payment and not updating credit bureaus of deletion per corresponding letter XXXX XXXX XXXX - accepting letter with proof of payment and not updating credit bureaus of deletion per corresponding letter National Credit Systems Accepting letter, emails and phone calls in reference to a paid debt. Company is refusing to delete account when proof has been provided on several occasions. Phone calls, emails and disputes are going unanswered. No deletion, and updated credit report of a paid debt, and will not return overpayment. 

I am currently in the process of purchasing my first home for my family. It would be a kind gesture if you could grant me the deletion of this negative reportings and make goodwill in removing the account in full off all credit reports. 

Thank you for your consideration, and I hope that you will approve my request. 

Sincerely, XXXX XXXX Attachments included Current open complaints XXXX filed XX/XX/22 No update and company will not respond to my request XXXX filed XX/XX/22 Closed, no useful feedback provided to make a clear decision XXXX filed XX/XX/22 No update and company will not respond to my request XXXX filed XX/XX/22 Mistakenly filed and company needs to be deleted XXXX filed XX/XX/22 company will not return phone call, updated credit reports with falsified information. 
XXXX filed XX/XX/22 Owner of XXXX XXXX XXXX that hired XXXX XXXX  XXXX XXXX XXXX to file and approved reporting incorrect and false information to credit bureau XXXX
Complaint sub-issue: Problem lowering your monthly payments

In XX/XX/2018, I submitted an application for income-driven repayment. I received a reply that this would be placed on hold until closer to the end date of my grace period on XX/XX/2018. My loans were placed on a temporary reduced payment forbearance. It was unclear to me that I first had to pay this amount before the application was processed, but clarified on initial contact to XXXX during a phone call on XX/XX/2018. I paid {$250.00} on XX/XX/2018 per a letter sent to my online account on XX/XX/2018. The account, however, remained with another {$2600.00} owed for that billing cycle in spite of what was written in the letter received XX/XX/2018. I paid this amount to avoid my account going into delinquency on XX/XX/2018. In a subsequent contact by email to XXXX on XX/XX/2018 I raised my concern that my application had not been processed after the initial forbearance payment of {$250.00}, and received a reply that this would only be processed after XX/XX/2018. During this current billing cycle, I now have a bill for {$3100.00}. I can not make payments in this amount in perpetuity, and my funds would allow me to make payments in this amount for only another 2-3 billing cycles including the current cycle.
Complaint sub-issue: Account information incorrect

I am contacting you for assistance with an issue that I am getting nowhere with Best Buy/CBNA. I had an account Charged-off that was paid in 2013. The account has remained on my credit report ; however, now, over the last 3 weeks, it's been reported as a new charge off on a daily basis to XXXX. Since this is an old charge-off account that has been paid, and shows up as paid, then why is it being reported as a new charge off every single day for 3 weeks? I have credit monitoring software that I use that has been showing this. Please assist. I keep getting redirected every time I call Best Buy and CBNA with no resolution. Thank you.
Complaint sub-issue: Public record

This federal tax lien was paid and WITHDRAWN through the XXXX and should have been removed from my credit report. I uploaded the form from the XXXX to Equifax and disputed it XXXX, but they say they keep verifying with the XXXX County tax recorder office. I 'm attaching the form from the XXXX verifying the lien was paid and approved for withdrawal.
Complaint sub-issue: Reinserted previously deleted info

I have file a report with you to send to Equifax report # XXXX dated XX/XX/XXXX. 
Equifax Accepted and deleted the false report by XX/XX/XXXX. but I check my credit report again and the bankruptcy is reported back again .... and it is NOT MINE. please check the last XXXX numbers of the bankruptcy report attach it shows XXXX NOT MINE ... ... my last XXXX are XXXX WHY CAN THEY SEE THIS BIG MISTAKE THAT IS RUINING MY LIFE ... ...
Complaint sub-issue: Problem getting your free annual credit report

Unable to get free annual credit report from Equifax through XXXX. I have used this process for years without issue. When asking for the report from Equifax this time, it asked for a phone number and email, which has never been necessary previously. When I click the link provided to forego this step and request by phone or mail, I get an error on their website and no information is provided. When I enter my phone numbee and email, it indicates they can't process my request and tells me to call, but they provide no phone number on the page.
Complaint sub-issue: Was not notified of investigation status or results

A phone call, letter and email was sent to XXXX XXXX to correct a reporting error. XXXX reported to the credit bureaus the wrong balance information causing me to lose valuable point and credit worthiness. 
XXXX XXXX reported that my XXXX ending balance was XXXX plus dollars when it was actually XXXX dollars. Please see attached. As of this date, the problem has not been corrected.
Complaint sub-issue: Problem with personal statement of dispute

I spoke with Carmax Finance on today XXXX XX/XX/2020 once again to verify if they had received my insurance payment from XXXX XXXX XXXX insurance. 

The associate advised me that Carmax would continue reporting me 60 days past due even though that had received a payment of {$4900.00}. I was advised payment would only go to principal and not the past due. 

I am reporting Carmax for two reason. 
Predatory lending : I was put into a loan on a used vehicle without GAP insurance, but an extended warranty which I paid for two years ago. I have had my loan for 2years and owe more on the car than initially purchased. 
Second reason : Poor Credit Reporting, any payment made on a loan is typically reported to the past due. 

Car loan also would not consider lowering the monthly payment to at least 80 % less considering I no longer have a care. 

Please advise if this if fair is considered Fair Lending practice. I feel this is a discriminatory case as well because I am a XXXX young male. 

Thank you XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Information belongs to someone else

Equifax, has been reporting items since 2012 on my credit report that do not belong to me. I have been asking them to remove these items year after year but I guess because I can not afford a lawyer they just ignore my request. I am a single mother my XXXX XXXX XXXX and this all has me stressed to the max. I have told them repeatedly that I am a victim of identity theift and they have done nothing to help me. I have sent in police reports dr reports of what this is doing to me and XXXX XXXX. I ca n't even move because of all the fraudulent credit inquires they have listed on my report which all the other agencies have removed accept equifax. I feel like my rights are being violated and they just ignore me because I do n't have a lawyer. But I plan on contacting the local news stations in the matter because it 's been yrs and I keep spending money writing them with no response to solve the problem. I want those XXXX  credit inquires removed off my report as they are fraud as well as everything else I wrote them and requested.
Complaint sub-issue: Problem getting your free annual credit report

I was on XXXX and I was requesting my report from Equifax, when I did it, it said based on the information you provided, we are unable to verify your identity. They were asking for me to verify my identity by one of the three social security card, pay stub with social security card or W2 form. Also requesting to identify my address by either my drivers license, rental or lease agreement, pay stub with address, or utility bill. I am not comfortable with disclosing any of that with them.
Complaint sub-issue: Their investigation did not fix an error on your report

Nelnet has been reporting inconsistently on my credit report. I have 13 loans with nelnet but 1 account number. Each loan has a different date of being late. I only pay 1 time a month. So it doesnt make since for it to be a different date on each loan showing Im late. Recently nelnet has reversed one of the late payments on the loan and kept all the rest of the loans late. They have the same account number and I pay 1 time a month.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}, {$8500.00}, {$1000.00}, {$1300.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8500.00} -This is not my account. 


-- CLOSED ACCOUNT 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

-- PERSONAL ACCOUNT 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account.
Complaint sub-issue: Account status incorrect

Many concerns : A collection company representing First Porgress XXXX XXXX XXXX keep calling me with information that an account ( XXXX ) were open in my maiden name ( XXXX ) a few years ago. I have asked for this information and reported as inacurate and incorrect. This is not my debt. They harrass me day in and day out over this XXXX XXXX XXXX keeps asking for more money representing XXXX XXXX. I have paid balances and they keep calling with new balances This was already paid for. 

XXXX XXXX XXXX representing XXXX XXXX which was paid XX/XX/2022 in full but never removed from credit reporting from collection agency as promised. 

XXXX XXXX - XXXX which was paid in full a long time ago and disputed transaction from a companty called XXXX men and a truck. I have no knowledge of but they keep calling me to pay. 

XXXX XXXX stating I owe a balance {$4200.00} which was paid in full XX/XX/2022 and I have received a paid in full letter numerous times and a title to the item purchased, stating im the sole owner. I keep calling them to remove the debt from my credit and all they do is apologize for the error. 

XXXX XXXX- I have TWO credit accounts from XXXX XXXX AND XXXX since XX/XX/2022 but they are not reflecting on my credit as on time payments or ownership on these credit accounts. I call them to confirm they are reporting to the credit companies but nothing happens. They keep saying its an error. 

I call to remove closed accounts from my credit but those companies do not anything. 
I also wanted the hard inquires and bankruptcy removed but when i call the reporting agency they just put me on hold and nothing happens.
Complaint sub-issue: Billing dispute for services

I have disputed a billing error in the amount of {$130.00} on my account. The amount is inaccurate because I did not make this purchase. I am requesting that the error be corrected, that the late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX be redacted from your reporting because I would not have been late on my payments if I was aware that a large transaction was made ( I did not budget for this fraudulent charge ) and I have contacted XXXX XXXX and requested reimbursement related to the disputed amount be credited as well, and that I receive an accurate statement. Enclosed are copies of my credit report, and credit card statements supporting my position. Please investigate this matter and correct the late payment reporting error as soon as possible. I have highlighted and numbered these disputed items on the attached copy.