Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Attempted to collect wrong amount

Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Date sent to company : XX/XX/XXXX Product : Credit card or prepaid card Issue : Problem with a purchase shown on your statement 1. Why was I not included in the class action lawsuit against Citi Bank XXXX by CFPB. 2. According to Ms recent letter I was late on payment payment was due XX/XX/XXXX for {$110.00} that is why my account was closed inXX/XX/XXXX. I was still using card at the date it was not closed. My Cash rewards were forfeited per Costco validation late XXXX XXXX. 3. Very bad reporting XXXX report showsXX/XX/XXXX account charged off.written off XXXX XXXX past due as of XXXX XXXX. XXXX report XX/XX/XXXX shows XXXX written off XXXX past due. That past due is what going up at XXXX a month please stop this account asap. 4. Please contact the malpractice firm XXXX XXXX XXXX  my rights as a consumer are being abused I insist an order be filed asap to sieze and desist.account ending in XXXX with citi bank. 5. I have a legal excuse from appeals court from XXXX XXXX to XXXX XXXX as to why my unemployment checks where being withheld at the max rate per week case # XXXX case # XXXX and case # XXXX Calif Unemployment Insurance Appeals Board XXXX County Office of Appeals that a total of 120 days the max amount of time to write off any account. What is this set me up for failure these three cases was over turned in my favor my check where being withheld unjust and back pay ordered after serving the penalty of 16 weeks no income I was legally bound.
Complaint sub-issue: Didn't receive enough information to verify debt

Hunter Warfield Inc. has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Complaint sub-issue: Account information incorrect

XXXX is reporting a different amount owed on each credit report. Non of the balances are the same and they each differ some by over {$2000.00} in balance. I 've sent letters in the past asking them to correct the issues but the balances still remain uneven. XXXX just removed two of the loans but equifax and XXXX has not.
Complaint sub-issue: Information is not mine

I recently obtained a copy of my credit report. There was an unauthorized inquiry made by XXXX XXXX XXXX. On XXXX, I wrote to XXXX XXXX Services asking for proof of the inquiry. To date, XXXX, I have yet to receive a response from them validating said credit inquiry, which has made my FICO score drop!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Act XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C. 1681 Section 602 A. states I have the right to privacy. 15 U.S.C. 1681 Section 604 A. Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Overdrafts and overdraft fees

I keep getting overdrafts with money in the acct, there online banking is not accurate, was treated like a criminal by the branch manager and never got my refund back, they charge fees when they are not supposed to been happening for 5plus years, misc charges at several occasions, always get treated poorly at the branch, they charge to see a teller and list goes on
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, Account # XXXX, Account # XXXX has violated my rights. 

15 USC 1681 Section 602 A.- States I have the right to privacy 15 USC 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: Reporting company used your report improperly

Equafax data breach! Was informed was not affected then checked again and was told my data may be part of the hack! Called and was told to fill out form for free one year insurance to help with the hacking! Then would be charged after that for the coverage! First off- I never gave anyone the ok to share/ sell my information! They were hacked and now all my personal info may be out there for anyone to use to get a mortgage, credit cards, drank loan and drivers listens and voter registration! All media and what I have read about the hack states that my information may not be use for years! Is it a scam to get people to buy this protection package after one year??? Why should we/I pay for protection when an unauthorized business that makes money off of others personal information gets hacked! Especially when the info may be stored by the hackers and used at a much later date! Where do I go and who can help? The is the big question!
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX, I was advised by Discover that a payment was not received. The payment cleared in my bank, I filed a dispute and sent supporting documentation to advise of payment. 
On XX/XX/XXXX, I was sent a letter advising that the issue has been resolved and I would be receiving the payment credit with interest. I received the credit and then on XX/XX/XXXX, they took the credit back. I was advised that they never received supporting documentation which is contrary to the letter I received on XX/XX/XXXX. 
I have spent countless hours on the phone and on chats trying to resolve this issue to no avail..I am left with no choice but to report it to here for assistance
Complaint sub-issue: Their investigation did not fix an error on your report

Lexis Nexis is reported bankruptcy to XXXX  and XXXX XXXX after saying they would remove
Complaint sub-issue: Account information incorrect

On the XXXX of XX/XX/2021, a Fraudulent transaction of XXXX {$43.00} on my US Bank Credit Card XXXX XXXX XXXX XXXX, was made. 

I did not know about this transaction, but US Bank started charging me a Late Fee and Interest. I had contacted them in XX/XX/2021 when I got to know there was a balance left on my card and explained to the US Bank that this was a fraud transaction. 

US Bank has agreed this is a Fraud transaction, and they have removed the late fee, interest, and balance on this card. 

But, by this time, it negatively affected my credit report as they considered these transactions as of late payments. 

US Bank suggested I dispute this with the credit bureaus. I have done as they told me, and now US Bank did not clarify the bureaus about these fraud transactions, and they have closed my account without even informing me.
Complaint sub-issue: Reporting company used your report improperly

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, 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 ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

FOLLOWING COMPANIES HAS VIOLATED MY RIGHTS 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: Problem during payment process

I have a XXXX XXXX Citi credit card and a Citi Miles Ahead Savings account. I tried to sign online to pay my credit card ( through the app and through a web browser ) and it asks/forces me to activate my savings debit card. I don't know where my savings debit card is. I've called Citi and they said the reason I can not login to my credit card account because I have to activate my savings debit card in order to gain access online to my credit card account ( pay the bill, etc. ). That is so wrong! Why can't I access my CREDIT card account when the issue is with my SAVINGS account. It's IMPOSSIBLE for me to access my credit card account online ( simply b/c I didn't activate my savings debit card ). I was forced to call Citi and get them to send me a new debit card ( b/c I don't know where my old one is ). I then have to activate the new savings debit card in order to access my credit card account online. I told the developer who told me what my problem was, and I told him that was a major issue. I doubt he ever raised the issue to management.
Complaint sub-issue: Investigation took more than 30 days

I have collection account that are still showing on my XXXX report that have been deleted from other reporting bureaus. These accounts were deleted by using a third party agency and XXXX has yet to delete account from my credit reports. The 4 accounts could not be verified or validated. I would like XXXX to do as the other bureaus have and update my Credit report to reflect NO collection accounts. One account ( IC systems in the amount of XXXX ) on consumer report exceeded the 30 day to validate debt by accordance to FRCA requirements and is in violation but has failed to delete account. I am also submitting a complaint to the XXXX against XXXX and IC Systems for violation of FCRA.
Complaint sub-issue: Debt was result of identity theft

Equifaxhas placed a hold on my credit report preventing me from being a productive citizen
Complaint sub-issue: Their investigation did not fix an error on your report

I am filling a complaint because Equifax has ignored my request to provide me with documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30-45 days mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thanks!
Complaint sub-issue: Other problem getting your report or credit score

XXXX is holding my credit reporting for no reason. 
I am in the process of refinancing my home and the lender hasn't been able to retrieve my credit. I have already communicated with the company to resolve the issue and they haven done anything to clear the situation and release my credit report. They asked me to send supporting documentation to verify my identity and they still have not addressed the issue.
Complaint sub-issue: Information belongs to someone else

It occurs that my credit report has been compromised. Again, I was going through my files & noticed these accounts that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to block any information or accounts which were found to be opened due to identity theft. The disputed accounts do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these accounts. 
XXXX XXXX XXXX Balance : {$380.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$610.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$690.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$170.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$170.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$68.00} ; XXXX XXXXXXXX Balance : {$2500.00} If you feel there is a possibility these accounts belong to me I will require all documentation which bear my signature ( another research account I found that requires you to verify with 100 % accuracy that these accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Complaint sub-issue: Debt was paid

I was told by hunter warfield that I have a debt owed from XXXX XXXX XXXX I attempted to discharge the debt which is my right under HJR 192 73-10. I informed them to cease and desist under those grounds. Also under 18 USC 8 all debts public and private are the obligation of the UNITED STATES. They are in violation of FDCP Act 807 ( 2 ) ,807 ( 11 ) 809, and 812. And by not allowing me to discharge my debt under HJR192 73-10 they are violating my civil rights under the 14th amendment 42 USC 1983 42 USC 242 , 245. My rights are being violated and im being forced into involuntary servitude for financial gain .They willfully deprive me of my rights and privileges, they have used coercesion to pull me away from financial freedom. Also use of extortion to have me pay a debt a have provided remedy for. They are operating as a criminal enterprise of organized crime with 2 or more members executing these acts.
Complaint sub-issue: Problem with customer service

FedLoan Servicing failed to properly process my attached Employment Certification Form ( ECF ) for PSLF consideration. 

- On XX/XX/XXXX, I submitted the attached ECF to FedLoan Servicing. 
- On XX/XX/XXXX, I received the attached letter from FedLoan Servicing, stating that my ECF was missing information in Section 3 pertaining to my ( 1 ) employment start date, ( 2 ) employment end date, and ( 3 ) information in Section 3, items 9-12 pertaining to employment organization type.

- However, a plain reading of the form shows that : ( 1 ) my start date was XX/XX/XXXX, ( 2 ) my end date was XX/XX/XXXX, and ( 3 ) Section 3, Item 9 indicated " no, '' and Section 3, Item 10 indicated " yes, '' which constituted a full accounting of all information FedLoans claims was missing.
Complaint sub-issue: Information belongs to someone else

EQUIFAX, XXXX, XXXX IS SHOWING A ACCOUNT ON MY CREDIT FILE REPORTED FROM XXXX XXXX FOR XXXX XXXX IN XXXX XXXX XXXX XXXX  FOR {$5200.00} WHICH IS OR WAS A EVICTION THERE IS NO WAY A PROPERTY MANAGEMENT COMPANY IS OWED THIS AMOUNT AND IT IS NOT A EVICTION. I CALLED DOWN TO THE XXXX XXXX JUSTICE COURT THAT HANDLES THE EVICTIONS AND GAVE MY NAME AND SOCIAL SECURITY NUMBER AND WAS TOLD THERE IS NOTHING IN XXXX XXXX FOR A EVICTION OR DEBT OWED IN MY NAME. I AD DISPUTED THIS DEBT LAST YEAR PLEASE REVIEW THE COPY FROM THE JUSTICE COURT AND REMOVE FROM MY CREDIT FILE IMMEDIATELY!!!!!!!!!!!! This is fraud and not my debt!!!!!!!! According to XXXX XXXX XXXX this is a old charge off eviction debt that was turned over to collections. Not mine!!!!! Fraud!!!!! Please Remove!!!!!!!
Complaint sub-issue: Information is missing that should be on the report

I have been fighting this battle with the Credit Reporting entities for decades ; and they and the financial institutions have been literally KILLING small business ; even when they get away with huge losses like nothing. 
I started with an XXXX in XX/XX/XXXX, was a XXXX XXXX  with XXXX New York in XXXX ; and XXXX   XXXX XXXX XXXX of dollars for XXXX XXXX ( XX/XX/XXXX-XX/XX/XXXX ) in 24 companies in 16 countries on All Continents. 
I had my own businesses since XXXX ; XXXX XXXX XXXX in the mid XXXX ; and have invested over XXXX XXXX so far ; and I owe very little to anyone. 
For the last three years, I was unable to even get a Home Equity Line Of Credit to move forward on the proprietary New Model for plastics recycling. 
This is really tragic, and my credit score keeps getting lower due my effort to try to secure some funding. 
In XXXX, I started with a {$200000.00} SBA-guaranteed loan ; which grew to {$500000.00} in about a year ; and was fully prepaid in XXXX. That never get on my record. Only very minor negatives are focused on.
Complaint sub-issue: Problem with fees

I have been charged a Debt Protection fee from best buy and citibank. I never agreed or was told about this protection. I have protection through my work so I would never need additional protection. I have never been contacted by Citibank or Best Buy to receive refund. I can only see my statements from Best Buy from present to XX/XX/2017. I can't go beyond that to see how far the irroneus fees go. The fees range from XXXX to XXXX. The phone number associated with this fee is XXXX. It has been 4 years since Citibank was directed to repay customers and I haven't heard a thing.
Complaint sub-issue: Threatened or suggested your credit would be damaged

NAR INC has a collection account on my credit report in the amount of {$3100.00}. This is a company that I have never had any dealings with this company. I have no contract with this company either. I have asked this company to provide me with a signed contract between them and myself and they have not done so. They need to be removed from credit reports immediately! Thanks
Complaint sub-issue: Deposits and withdrawals

-Opened a CitiBank savings account Online early XX/XX/XXXX. 
-Total deposits of appx {$17000.00} were made by a Bank to Bank Transfer ( XXXX XXXX to Citi Bank XXXX 
-Prior to XX/XX/XXXX I was able to successfully withdrew 2 small amounts from the ATM using the Citibank supplied savings ATM card ( No more than {$500.00} total ). 
-On XX/XX/XXXX, attempted a third withdraw, at the ATM and the ATM machine indicated my account was unavailable. 
-Immediately ( XX/XX/XXXX ) I contacted customer service who advised me to call the Fraud department -I then contacted the Fraud Department, who advised me that my account was " in foreclosure '', but they could not tell me why or how to get my funds. They explained I would be contacted, by mail, in 30 to 60 days. -Over the next 60 + days, I have contacted CitiBank Customer Service ( XXXX ) and Fraud Department ( XXXX, Opt 2, Opt5 ) more than 15 times -Each conversation has resulted in the agent either explaining " 30-60 day by mail '' or simply hanging up. All Citibank representatives refuse to connect me with a supervisor or advise another contact point to help me understand the status of my account. 
-Prior to closure, my account had a balance of {$16000.00} -When I call the automated line now, my account balance is ( negative ) - {$16000.00} -My online access is deactivated and I no longer have access to my account number as of XX/XX/XXXX. 
-Through my 15+ discussions, I have been told various information from getting " a letter in 30 to 60 days '' to Getting a Check in 30-60 days, to being told I would not be getting a refund at all. My latest conversation, the customer service member indicated my balance was still in the account and had not been moved, but I can not verify that through any electronic means. 

Now after more than 6 months of attempts to regain my account and/or funds, and also filing a complaint with the OCC, I have received a letter from CitiBank saying they have determined the funds are not mine and they have closed my account and will not release any funds to me. The letter states the case is 'closed ' and they will no longer respond to any further inquiries. 

This was a very simple savings account with only 2 Bank to Bank Deposits for my daughter 's college savings. Now I have no access to the money and CitiBank has stolen the funds and will not return them. 

Attached files : Citibank Responses Claim to OCC and Appeal to OCC Evidence of Transfers from XXXX to CitiBank
Complaint sub-issue: Attempted to collect wrong amount

XXXX XXXX is claiming i lived in a apartment after dates provided on my lease in XX/XX/XXXXand is asking for {$600.00} in utilities expense for a time i was not living in apartment XX/XX/XXXX filed dispute Never received response from company after providing evidence of not living in apartment XX/XX/XXXX nation grid filed collection I have attached a copy of my lease showing that i left when charges are still continuing. I also left out of my lease early in XX/XX/XXXX XX/XX/XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The documents attached provide all info. I have unrecognized and unauthorized inquiries. 

I would like them removed.
Complaint sub-issue: Debt is not yours

A company is trying to collect for a debt ( that I do not recognized as mine very old ) I was not living in USA, back in the year XXXX I moved to XXXX, I just came back, to USA in XX/XX/XXXX, I did suppose to start working but due to the Global Pandemic everything has been chaotic. 
I have already spoke to them that is not my debt or it was paid but they keep bothering me with letters that dont showed amount owed so I called a XXXX and the person was just rude don't let me talked so I got stressed and I hang up. 
with all the stressed we all living due to covid. I just cant stress over a bill I dont even think is mine. i sent a letter asking them not to contact me anymore. 
ENHANCED RECOVERY COMPANY LLC XXXX XXXX XXXX XXXX XXXX FL XXXX
Complaint sub-issue: Information belongs to someone else

ON XX/XX/2021, I APPLIED FOR A CAR LOAN AT A LOCAL CAR DEALERSHIP. AFTER THEY RAN MY CREDIT REPORT, I WAS TOLD BY SALES REPRESENTATIVE THAT ALL THREE CREDIT BUREAUS SHOWED TEN NEGATIVE ACCOUNTS OPEN. AFTER CAREFULL REVIEW OF MY CREDIT REPORT, I WAS AWARE I AM A VICTIM OF INDENTITY THEFT. THE INFORMANTION LISTED BELOW, WHICH APPEARS ON MY CREDIT REPORTS, DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE. IT IS THE RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ORIGINAL CREDITOR NAME : XXXX XXXX XXXX XXXX {$160.00} ENHANCED RECOVERY COMPANY XXXX. XXXX  XXXX XXXX, FL XXXX ORIGINAL CREDITOR NAME : XXXX XXXX XXXX {$22.00} XXXX XXXX SERVICES XXXX XXXX XXXX XXXX, MA XXXX ORIGINAL CREDITOR NAME : XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ORIGINAL CREDITOR NAME : XXXX XXXX {$560.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ORIGINAL CREDITOR NAME : XXXX XXXX  {$620.00} ENHANCED RECOVERY COMPANY XXXX. XXXX  XXXX XXXX, FL XXXX ORIGINAL CREDITOR NAME : XXXX {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ORIGINAL CREDITOR NAME : XXXX XXXX {$25.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX ORIGINAL CREDITOR NAME : XXXX {$70.00} XXXX XXXX UNKNOWN ADDRESS {$44.00} XXXX XXXX XXXX ADDRESS {$0.00}
Complaint sub-issue: Information belongs to someone else

In XX/XX/XXXX I received I received a phone call from Discover Personal Loans stating that I owe on a {$25000.00} unsecured personal loan as of XX/XX/XXXX. They also said that monthly payments were made against this loan from XX/XX/XXXX to XX/XX/XXXX. I never received any money from Discover Loans and I did not make any payments to this SCAM LOAN. In XX/XX/XXXX. XX/XX/XXXX. or XX/XX/XXXX I had received an unsolicited letter from Discover Loans that I was preapproved to receive {$25000.00} from them. I did not want to borrow any money from them. I did not fill out any paperwork from them. I then forgot about tnid identity theft loan until the XX/XX/XXXX phone call.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX is on my credit and its not mine. I requested that they remove it from my credit. I asked them to verify a signature and I did not receive a response from them. It has been removed from other credit reporting agencies. But equifax is still reporting it.