Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Issue with XXXX XXXX  purchase. Contacted XXXX XXXX and they informed me they would refund me {$33.00} for shipping and taxes, therefore I canceled my dispute with CitiBank. Prior to canceling the dispute, I reached out to citi credit card chat services and verified that if I canceled I could re-open and they informed me that I could. I canceled the dispute, however XXXX XXXX never refunded me as promised. I then attempted to reopen the dispute with my citi card, however each citi representative that I speak with, inform me that they will reopen the dispute and that I will see an update in 3-5 business days, but after waiting and checking I am not seeing any difference or refund. Each time that I call or chat with citi to follow up on the reopened dispute, they inform me that there isnt a history of the dispute being re-open, and that they will have an investigator contact me for additional information, but I havent been contacted by anyone. I attempted to re-open the dispute around XX/XX/2019 and have since then been trying to get it re-open and refunded since XXXX XXXX failed on their promise.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am filing against Equifax due to having a breach and my information being leaked. I did n't know about the breach when I called the beginning of XXXX because I had to file for credit fraud due to over XXXX inquiries that are not from me. I had to get all new cards from my bank and credit cards. I am going through so many disputes because of this. My landlord wants to raise my rent because my credit score changed. I 'm still fighting this and no resolution or anything from equifax. I just want my credit fixed and all those false inquiries off my credit.
Complaint sub-issue: Debt was result of identity theft

All of this information pertains to an account at U.S. Bank and in XXXX I was made a joint account holder with my elderly parent on their U.S. Bank bank account. In XXXX at or about XXXX, right after both parents passed away, my parents were removed and my brother was added to the account as a joint account holder to complete execution of their estate. At some time in or around XX/XX/XXXX/XX/XX/XXXX someone took at a line of credit, similar to a credit card, against this account. In XXXX, after the account had remained empty for some time, I called to close the account only to discover that the line of credit had been taken out and was in arrears. After this closure U.S. Bank sent me the first bank statement for this account in several years. U.S. Bank closed the account and placed it with credit bureau a month later. In speaking with the bank they stated that the line of credit would have required both account holder to sign an additional document in order to initiate the credit beyond normal signature cards for opening an account. In disputing the negative information with the credit bureaus their response was that U.S. Bank stated it was valid however, I've filed a police report stating I've not signed any document related to a line of credit, only the signature card as I was added to the account in or about XXXX.
Complaint sub-issue: Frequent or repeated calls

Discover has been calling me nonstop for days after telling them to stop. I explained I had a medical issue and had trouble making ONE payment that they are harassing me over. Dozens of calls and voicemails
Complaint sub-issue: Didn't receive terms that were advertised

I signed up for Citibank Checking and Savings account promotion program. Nowhere in their promotion requirements does it say that it does not apply to Texas. You can see their promotion published here, all it said was that " To enroll in this offer you must apply directly from this page. Citi rates and promotional offers may vary by state. Looks like you're in Texas. '' I even re-selected the state to make sure it does not tell me that Texas is not eligible, but it didn't say anything. Also in their fine prints they did not list the states that were eligible so who would know if they don't qualify? This is scam by misleading people in believing they will would qualify so they will open an account with them. See the advertised deal here, you can see nothing about the states. 

https : //banking.citi.com/cbol/checking-500/default.htm? channel=onsite & promo_ID=WE564683MYCSO5 & rateSheetId= & intc=2~1~54~1~040519~2~Q22019-500Checking~CheckingSpecialOffers1 & ProspectID=BC0BC93F0A5E4B69A1ED463F8ECE1776
Complaint sub-issue: Information belongs to someone else

I'm a Victim of Identity Theft. I want a put a fraud Alert On My Credit files ASAP I did not give anyone permission to open any Accounts using my Personal Information these Accounts was open without my Authorization I want them Removed and Block From My Credit Files.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2020, this writer contacted XXXX XXXX XXXX XXXX to informed the credit union about NF fees charge to my checking account
Complaint sub-issue: Other problem

Pursuant to 15 U.S.C. 1693f, I hereby demand that your financial services institution remit reproductions of any and all documents/materials used to substantiate the conclusion that a billing error did, or did not, occurr. [ Background ] My mother made an ACH payment authorization to have funds debited from her bank account to pay on my statement. The authorization took place on or around XXXX XX/XX/2022 and was returned with XXXX -- unable to locate. This is a distinct error code from XXXX -- NSF, XXXX -- closed account, or XXXX -- invalid account number. I filed a billing error notice within the sixty ( 60 ) day period. XXXX XXXX, in Discover Executive Office of XXXX XXXX, conducted an investigation. In a follow-up conversation he conceded that when comparing the supplied account information disclosed with the live agent, he was ony able to match the last four ( 4 ) digits of the account being debited. That is, whomever, and through whatever investigatory process he recieved the transaction information from, it/they provided him only with the last four ( 4 ) digits of the account number to match against the phone-based ACH authorization with a live agent that occurred on XXXX XX/XX/2022. And, although he was given the full routing number for the financial services institution, he was not provided with the first name and last name as keyed into the XXXX authorization by the live agent. This is troubling as the error could be on the part of Discover and its live agent. The investigator was not provided with that information. The steps in the billing error process are quite clear. 15 U.S.C. 1693f ( d ), " Absence of error ; finding ; explanation, '' states ''If the financial institution determines after its investigation pursuant to subsection ( a ) or ( c ) that an error did not occur, it shall deliver or mail to the consumer an explanation of its findings within 3 business days after the conclusion of its investigation, and upon request of the consumer promptly deliver or mail to the consumer reproductions of all documents which the financial institution relied on to conclude that such error did not occur. The financial institution shall include notice of the right to request reproductions with the explanation of its findings. '' XXXX XXXX resonded to CFPB complaint XXXX with a copy and paste summary -- there were no documents attached. XXXX XXXX XXXX, as agent for Discover, is knowfully and willfully violating 15 U.S.C. 1693f ( d ), or he has no docunentation to indicate a reasonable billing error invesigation was conducted. If you refuse my demands, I will pass this matter along to my attorney and file a complaint with DOJ : US Attorneys Office for my district.
Complaint sub-issue: Information is missing that should be on the report

I changed my llegal name on 2019 and I reported to all my bank and credit card companies, recently I found out only Equifax doesn't update report from my bank and they can't fix it right away and my records was still old name and old information stop on 2019, others 2 companies sach as transfer union has my all information updated. 
Because my loan officer can't pull out my records from Equifax so I can't get loan approval. 

I don't why I have to use this company as necessary credit report to approv loan because Equifax can't even handle the right information for me or others ( credit company told me they got same situation from others customers ) If I'm not trying to get loan approval I won't ever know this problem but know I can't get approval because them!! 

I'm hopeless.
Complaint sub-issue: Information is missing that should be on the report

I checked my credit report with a big surprise is a 2 collections items without any information ( creditor. address, phone ) only show the amount 2 differents accounts.That information is damaged my credit since my score is low because of this items my loan application has been declined.

My bigger surprise is theses 2 accounts without any information, I never got any letters or documentation, in this point I don't know how is the creditor, is irresponsable to report this kind of information.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Equifax has disputed XXXX XXXX 3 times or more for me since XX/XX/2017. I'm finally putting my foot down. I exercised my Fair equal credit rights & was rerouted several times getting different results. I asked the representatives to provide me with the exact information that XXXX used to authenticate me to Equifax & several could not find notations addresses or anything. The last representative was asked the same thing and lied using the information I had used while being pre screened or verified. Funny thing is they sent me my most recent credit file to a Ky address that could not be saved unless requested in writing. He took no time to blurt out my old Ohio address thats been on my file for many years ago. Equifax allows minimal informations for debt collectors because Equifax sold them this information in the first place. Equifax needs to have criminal charges filed for violation of my rights after trying to exercise them here in the United States. XXXX  & XXXX   removed this account in question several hours after the dispute. Equifax refuses no matter what I do to prove they are wrong which I have done multiple times lately.
Complaint sub-issue: Their investigation did not fix an error on your report

as previously notified I am a victim of identity theft, I am not a credit repair company I am a person
Complaint sub-issue: Received bad information about your loan

I spoke with Sallie Mae at the end of XX/XX/XXXX to discuss options for my private loan payments that I was continuously receiving emails for. I spoke with a customer service agent about these emails and explained to him that I was not sure why I was getting these emails as I was told in the past that my loans were not to be initially paid until XX/XX/XXXX. During this conversation, I was told by this agent that my loans were in fact NOT starting payments until XX/XX/XXXX and to just ignore the emails that I was receiving. I asked him to verify this information for me over 3 times before the call ended so that I could understand it correctly. I continued to ignore the emails as I was told and they continued to show me that I owed {$0.00}. At the end of XX/XX/XXXX, I then received an email stating that my loan payment was late and that I owed over {$1500.00}. I explained this situation to a new agent and was told that there is nothing they can do and that the other agent gave me false information. If I was told the correct information in XX/XX/XXXX when I called about the emails initially, I would've been able to refinance immediately. I am now stated to owe over {$1700.00} to them by the end of this month and was informed that I was already forwarded to collections after only XXXX missed payments. I have since refinanced, but I am waiting for that loan to close. I also contacted them informing them about this refinance and my ideation of returning to school. I asked them to make note of this so that my next payment was not considered late as I was either going to be returning to school, which would indicate another deferment, or refinancing my loans. During this call, I was hung up on approximately 3 times after being on hold for XXXX hours and half way through telling them my information. This agent was extremely rude and refused to help me. I was then charged another late fee after calling for XXXX week straight, XXXX, without any answer from any agent. I stayed on hold for approximately XXXX hours each day and received no response. I then went to XXXX to direct message them as their chat within the app did not connect me with an agent. I was told to contact them by phone once again, with no response.
Complaint sub-issue: Information belongs to someone else

XXXX, Equifax and XXXX are all reporting inaccurate information regarding XXXX accounts in collection on my credit report. XXXX XXXX XXXX Account XXXX, and XXXX XXXX XXXX Account XXXX are claiming I owe them an alleged debt which is not mines. I have tried to resolve this directly with the bureaus but they have not correct my report by removing these fraudulent accounts that are being reported without my consent. I demand that this inaccurate information be removed immediately. According to 15 USC 1681i ( A ) ( 1.A ) they must remove the misleading information while under investigation. These debt collectors are harassing me by sending me letters in the mail saying I owe them for a alleged debt that is not mines.
Complaint sub-issue: Public record information inaccurate

Equifax has reported XXXX chapter XXXX bankruptcies on my credit report that are not mine. These bankruptcies were both filed in XXXX GA I have never lived in XXXX GA nor have I filed XXXX XXXX bankruptcy Equifax claims this was reported to them by XXXX XXXX I have spoken to a representative from XXXX XXXX and she confirmed that XXXX XXXX has no record of these bankruptcies These bankruptcies first showed on my Equifax Credit Report in XXXX of XXXX but the dates of filing and discharge are XXXX and XXXX so why is this fraudulent information showing on my Equifax credit report in XXXX any assistance in resolving this issue will be appreciated
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : I have recently obtained a copy of my credit file with your Equifax and I note that there is negative information being reported by XXXX XXXX XXXX XXXX XXXX, XXXX, Upon reviewing my credit report, I see an account listed as charged off and missed payments. 

I challenge the accuracy, compliance, and reportability of this listing. 

Please validate this information with ( name of creditor, collection agency, or court ) and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security Number. 

Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful records of your actions, including your Method Of Verification. I do not consent to e-Oscar or any other means of automated verification.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action of against your company seeking {$1000.00} per violation for 1 ) defamation, 2 ) negligent enablement of Identity Fraud, and 3 ) violations of the Fair Credit Reporting Act.
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # : XXXX ; XXXX ; and XXXX .I 'm including these again. 
XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX : {$0.00}
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXXXXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Debt is not yours

I received an email for a debit that has nothing to do with me to my email. False claim and a scam.
Complaint sub-issue: Investigation took more than 30 days

I have reviewed a copy of my credit report and I show company XXXX account number XXXX is listed as non-verified account. I have attempted on a number of times to have this account reviewed with no luck. I have been violated per the FRCA and also FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Complaint sub-issue: Information belongs to someone else

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$35.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$120.00} ; XXXX XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX ; XXXX XXXX  XXXX XXXX XXXX GA XXXX XXXX Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX Updated XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Complaint sub-issue: Debt is not yours

I NOTICE A DEBT NOT MINE AT ALL ON CREDIT REPORT> XXXX XXXX XXXX ACCT # XXXX MEMBER CODE : XXXX {$99.00} XX/XX/2019<>XX/XX/2019
Complaint sub-issue: Information belongs to someone else

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. It has been an encounter going over this and I am submitting this complaint AGAIN to remove the following fraudulent accounts in my file that are reporting on Equifax Credit Bureau. I would like to request the suppression of these items from my credit report, which is the result of fraudulent item origination and identity theft. I have already done my part by sending my documents like my DL, SSN, Address and the dispute letter I sent to Equifax. Also I have sent my FTC report to them but still nothing has changed. Pursuant offer section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt PLEASE DELETE IMMEDIATELY! 

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

I was informed that my Name, SSN, Drivers Licence Number, address and date of birth may have been leaked to outside parties. This is unacceptable. I am also upset that I was not notified directly by equifax that my information was leaked. They have my information, they know it was leaked, but I had to find out about the whole incident via social media. On top of all this, they are using the incident to sell a " Free '' product that includes an arbitration clause that would that away the right to legal action.
Complaint sub-issue: Debt is not yours

At approximately XXXX on XX/XX/2018 I received threatening phone calls from a District of Columbia number ( XXXX ) XXXX. The agent claimed the call was recorded and that her name was XXXX and that the phone call was in reference to a debt collection. 

XXXX asked me to verify the last 4 digits of my social security number as well as my name. I confirmed. She explained that I owed a debt to US Bank in the amount of {$720.00} to U.S Bank for overdraft protection fees. I explained to her that the account was closed over 10 years ago and that I had not overdrafted during the time the account was active to my knowledge. I also informed XXXX that I had not received any notices in the last 10 years from US Bank regarding this matter. I told her that I would follow up with bank directly and if she could provide me the account number in question. I asked her to provide me with the name of the business she was calling from and the address so that I could follow up. She claimed that she was a 3rd party debt collection agency called " XXXX XXXX '' and that she could not provide an address, but that she could give me a PO Box . When I asked her to provide the PO Box address, she said that she didn't have it in front of her and she went into an abusive line of discussion demanding that I resolve the debt with her. I told her that I believed that the claim was scam and that I would report the XXXX XXXX to the appropriate agency. She laughed and hung up the phone.