Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem using a debit or ATM card

Ive contacted Citibank repeatedly regarding fraudulent transactions on my account. They keep re-adding these fraudulent charges. My old debit card linked to my checking account was stolen and used in XXXX and other online purchases. The following transactions are fraudulent and in dispute and should be sent back to the respective merchants : XX/XX/21 {$100.00} XXXX  XX/XX/21 {$29.00} XXXX  XX/XX/21 {$40.00} XXXX XX/XX/21 {$74.00} XXXX XX/XX/21 {$98.00} XXXX XXXX  XX/XX/21 {$130.00} XXXX XX/XX/21 {$200.00} XXXX XX/XX/21 {$700.00} XXXX XX/XX/21 {$1100.00} XXXX  XX/XX/21 {$1000.00} XXXX
Complaint sub-issue: Problem accessing account

XX/XX/XXXX, tried linking my debit card to the app XXXX  to save money on the change difference of when i use my card to save for the future but PNC is denying access to the app XXXX  even though I logged in and tried to grant permission to use. This is my money at stake here and I'd like to use it for how I want to save. Please allow access to the app XXXX  so I am able to link my debit card to use to round up and save my money.
Complaint sub-issue: Problem with rewards from credit card

My Citibank Thank you reward membership has been hacked three times since XX/XX/XXXX. First time, someone tried to use my reward points for gift cards and i noticed odd activity on my account when I got an email stating I changed my mailing and email address. I was able to dispute the points and was told it would never happen again. 2nd time was XX/XX/XXXX, I got an email about a hotel booking I did not do. I was told the charge was reversed and that for future use of my points, I have to call in through their security system. Then in XX/XX/XXXX, someone transferred XXXX points to an airline. I've changed my password every time this happened and I was guaranteed that this would not happen again.
Complaint sub-issue: Reporting company used your report improperly

I have noticed on my credit report that this company has pulled a copy of my credit file on several frequent occasion, stating that I have applied for services or credit with their company, which is totally a fabrication. I tried googling the company to get information to see or what they are affiliated with and I'm still confuse on who they are. 
On my XXXX credit report last year they have 3 inquiries with the following dates : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX 
I have no new credit or applied for any news services with this company.
Complaint sub-issue: Confusing or misleading advertising about the credit card

Received email XXXX/XXXX/XXXX from Citibank with the offer replicated at this website : XXXX : XXXX? XXXX Offer is for 0 % interest on credit card purchases through XX/XX/XXXX as long as paid by XX/XX/XXXX. What the offer fails to disclose and will not be disclosed unless one thinks to ask, are : 1. Balances outstanding now if not paid on the current statement will be charged interest at the standard card rate ; and 2. Charges, even if not yet billed as of XXXX/XXXX/XXXX will immediately start being charged interest on XXXX XXXX if not paid off on XXXX XXXX. Hence, someone using the card after the cutoff date preceding XXXX XXXX is in for standard interest charges, a fact that is not disclosed. 

This promo is a misleading, back-door, misrepresented way to impose interest charges on unsuspecting cardholders, who are led to believe that they are being offered a benefit, encouraging use of the card. 

Citi should be required to rescind this promotion or forgive all interest charges that may accrue for anyone signing up for this underhanded program.
Complaint sub-issue: Problem related to refinancing

I was at the end of my lease and after paying it on time for 4 years while I went through a bankruptcy which I never included with US Bank and my XXXX XXXX XXXX lease. I started my lease in XX/XX/XXXX and when I went through the buying process I was advised that in the last 4 years they never reported my on time payments to any of the credit agencies. I spoke with US Bank and they informed me in XXXX that they decided if there was a bankruptcy filed by the consumer they would no longer report to the credit agencies. I am fighting this because first my lease started before they made that change and also feel that it is unfair that my payments were always on time even while it was being reaffirmed and was discharged that I paid on this vehicle and never was shown when I did the loan to buy it out. I went through a tough time but I never did not pay it on time and full payments.
Complaint sub-issue: Debt was result of identity theft

I CHECKED MY REPORT AND THIS CREDIT LOAN IS ON IT, WHICH I HAVE NO KNOWLEDGE OF.
Complaint sub-issue: Account status incorrect

XXXX XX/XX/XXXX current on payments XXXX XX/XX/XXXX current on payments XX/XX/XXXX no data XXXX XXXX XXXX XX/XX/XXXX current on payments XXXX XXXX 30 days past due XXXX XXXX 60 days past due XXXX XXXX 90 days past due XXXX XXXX 60 days past due I am missing data for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX 2 late payments were previously removed per dispute. All should have been removed per natural disaster and covid 19
Complaint sub-issue: Account information incorrect

I am disputing unauthorized and unverified accounts on my credit
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # 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. 

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 

15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX XXXX, TX XXXX I just got my report and I think it is wrong! I was told I have the right to have an investigation done. The XXXX XXXX Account depicts an old account as a charge off. I paid the account opened in XXXX off completely. I opened a new account in XXXX and XXXX XXXX reported I opened it in XXXX and charged off the new account. The account on my credit report is false. The Credit bureaus laws report that the bureaus report 100 % accurate credit history. Every step must be taken to assure that the information reported is completely accurate. The following information therefore needs to be reinvestigated. Please make sure everything pertaining to my credit report is correct. 

Please provide me with the following items : 1. Pay Off Disclosure 2. Interest Disclosure 3. Balance History 4. Payment History 5. Credit Insurance Validate Account XXXX XXXX XXXX Closed ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION.

( A ) IN GENERAL.If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Complaint sub-issue: Account status

My credit rating is being maligned by XXXX XXXX on behalf of XXXX. I have disputed the issue with XXXX XXXX & all XXXX major credit reporting agencies, Equifax , XXXX & XXXX, whose report numbers I have entered in the field for 'Original dispute case numbers. ' To date, since fileing a complaint with cfpb, XXXX has ceased to continue this negative reporting on my credit records. Equifax & XXXX continue this negative reporting and It is unfair & completely unjust. To better understand my situation I ask that you please read the document I will upload, XXXX Letter of Dispute XXXX/XXXX/XXXX ' to more fully understand my situation. I will also upload all supporting documents. Thank you for your time & effort, Sincerely, XXXX XXXX XXXX ( Addendum XXXX/XXXX/XXXX ) I would like to repeat, that since beginning this dispute, XXXX ' has agreed with my dispute and deleted this negative report from my files. I would ask that Equifax & XXXX also delete this negative information from my files, as well. Sincerely, XXXX
Complaint sub-issue: Account status incorrect

I paid off a XXXX 's account that was transferred to XXXX. XXXX 's had previously reported the payment of XXXX but still reflected a balance when in fact this account was settled as of XX/XX/20 there should not have been a balance reported PERIOD! Now it has been reported to Equifax that I now owe almost {$6000.00}. This information has been reported erroneously and I will take further action if this account is not deleted immediately. You can not report inaccurate information!!!! I am in the middle of purchasing a home and this inaccurate information can be detrimental.
Complaint sub-issue: Their investigation did not fix an error on your report

I mailed via certified mail of several documents on XX/XX/XXXX to XXXX  disputes. Included with documents were a copy of my driver 's license. This dispute is regarding the 2 fraudulent bankruptcies reporting on my credit report that I have never filed. XXXX & XXXX, filed with the XXXX  Tennessee  Bankruptcy  Court filing dates are XXXX & XX/XX/XXXX. I have a current XX/XX/XXXX XXXX report that does not show or list these bankruptcies in my file, yet I'm being told on XX/XX/XXXX, my most recent credit report by XXXX  stating, bankruptcies have been verified as accurate by XXXX. I've also received a recent letter from XXXX, stating, my documents were received, however there were no indentifying document regarding my identity, so they have disposed of the documents that I submitted. The date of this letter from XXXX  was XX/XX/XXXX.
Complaint sub-issue: Trouble with how payments are being handled

I am currently making payments to fedloans and am part of the public service loan forgiveness program. I began making qualifying payments XX/XX/XXXX and have submitted recertification forms yearly. In XX/XX/XXXX the number of qualifying payments to one of my loans dropped from 33 to 27. I called fedloans and requested a recount. I was told it would take 3 months. I have called every 3 months since that time and have not been given any information as to why several of my payments are no longer being counted or when the recount will be done. It has now been 17 months and the counts are still incorrect and new payments have been counted since XX/XX/XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Didn't receive enough information to verify debt

In XXXX XXXX I spoke to XXXX at Remex who explained that Remex does not own this account and it had been sold per XXXX XXXX XXXX to another company. I called recently because the account is still on m XXXX account and I was told to pay them. I explained this is not my debt is part of employment verification done by XXXX hospital inXX/XX/XXXX. I explained to the representative that Remex does not even own this debt to attempt to collect would be abusive on their part and XXXX Hospital is responsible for the debt. I asked the representative to provide all paperwork regarding the debt and she refused to provide. 

Remex has never provided proof debt the company sent a bill. Remex has not submitted proof signature and proof of my identification, and contractual obligation with XXXX XXXX 's stating they have the right to collect on this debt.
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof (an original Consumer Contract with my Signature on it) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX****, XXXX XXXX XXXX****, XXXX XXXX XXXX****, XXXX XXXX XXXX****, XXXX XXXX**** and Public Information: Chapter XXXX Bankruptcy: XXXX
Complaint sub-issue: Reporting company used your report improperly

I spoke with XXXX XXXX XXXX ) from XXXX ' XXXX consumer affairs department regarding an ongoing bankruptcy dispute. According to XXXX XXXX, XXXX XXXX is reporting to XXXX a bankruptcy which does not exist on my Lexis Nexis consumer file. I have attached the report received from Lexis Nexis and have submitted this report to XXXX on several occasions. Lexis Nexis is knowingly reporting inaccurate, unverified, and incomplete information to XXXX. I have attached a copy of the report from Lexis Nexis. Lexis Nexis has no permissible purpose and has violated my rights.
Complaint sub-issue: Information belongs to someone else

FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/2020 Balance - Status Paid, Closed
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct XXXX XXXX, XXXX XXXXXXXX Acct # XXXX, XXXX  XXXX Acct # XXXX, XXXX XXXXXXXXXXXX XXXX Acct # XXXX, XXXX Acct # 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

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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: Their investigation did not fix an error on your report

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$2300.00} XXXX XXXXXXXX XXXX Balance Owed : {$4900.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXXBalance Owed : {$5700.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXBalance Owed : {$9700.00} XXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX ( Original XXXX XXXX ) XXXX Balance Owed : {$1600.00} XXXX XXXXXXXX ( Original Creditor:XXXX XXXX XXXX A XXXX XXXX Balance Owed : {$2200.00} XXXX XXXXXXXX ( Original CreditorXXXX XXXX XXXX ) XXXX Balance Owed : {$2400.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1700.00} XXXX XXXXXXXX Balance Owed : {$2400.00} XXXX XXXXXXXX Balance Owed {$1700.00} XXXX XXXX Balance Owed : {$2200.00}
Complaint sub-issue: Account status incorrect

I recently reviewed my credit report and I observed that XXXX  XXXX  are reporting late payments to the credit bureaus. This negative reporting has had a severe damage on my credit score & credit worthiness. XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I don't recall making late payments and I am requesting that the credit bureau provide my physical proof that the alleged payments were in fact late as being reported. 

NOTE : I have requested from XXXX XXXX to provide me proof that the alleged payments being reported were indeed late and being reported accurately to the credit bureau. As of todays date I have yet received any proof from XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX, I spoke with personnel from XXXX, Equifax, and XXXX about the risk of phony accounts being established using my customer data. Since I didn't know how they got there, I begged everyone to erase these accounts. I received guidance from all three businesses on how to keep track of things and complete an FTC form. I delivered my information by standard mail on XX/XX/XXXX. Even after I had submitted my letters more than 30 days earlier since they had been " confirmed, '' the accounts that weren't mine were still shown in my documentation. I'm bothered and annoyed by this circumstance since it prevents my family and I from being able to purchase a home. On XX/XX/XXXX, I got in touch with the three companies once more to ask how they could demonstrate that these accounts belonged to me. Since they said there wasn't much more they could do to help me, they advised me to talk with the debt collectors directly. Every bank that the client contacted at that same moment and came to me had been dialed improperly ; they had no clue who I was or what the accounts related to. Online investigation was done to make sure I wasn't incorrect. My friends told me to go to the CFPB website. I really hope this works since my family and I need the house we're trying to buy.
Complaint sub-issue: Used obscene, profane, or other abusive language

I am being harass by IQ Data. XXXX XXXX calls and calls and calls. Even after I tell him I will make a payment on a select date. When he calls he keep telling me I have to pay now and told me on a lot of occasions that I need to take out a loan ( which he try to get me company 's for ) so I can pay IQ. He also told me he was going to call other people to let them know I am not paying my bills on time. Even after I paid a payment, he still said that was enough and I needed to pay the full amount now.
Complaint sub-issue: Problem with statement of dispute

Was not happy with response so I investigated further.
Complaint sub-issue: Don't agree with fees charged

My loan was through an agency that close and right now is going through a bankruptcy. The school I when to broke state law and I am in the process of have any loans with the DOE placed in a forbearance. I need to have my private loans with genesis removed from my credit report because I no longer have an account in default with genesis lending services.
Complaint sub-issue: Information belongs to someone else

I noticed these fraudulent accounts on my credit reports and I've disputed them several times with the companies and XXXX and XXXX and they are still stating these are mine without properly verifying with my signature. Please remove the following fraudulent accounts immediately, thank you. 

Account Opened Amount Fedloan Servicing XX/XX/XXXX {$37000.00} XXXX XXXXXX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$0.00}
Complaint sub-issue: Information belongs to someone else

Hello my name is XXXX XXXX and I have been a victim of Identity Theft! 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Complaint sub-issue: Was not notified of investigation status or results

I can't believe this credit reporting agency has taken advantage of me. I AM VERY UPSET that they have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted ASAP. This company has negatively affected me, and this is unacceptable to me as the consumer. 

These are the items I have been demanding to be deleted! 

15 U.S code 1681n Infamis of pulls XXXX Date of inquiry : XX/XX/2020 15 U.S code 1681n XXXX of pulls XXXX Date of inquiry : XX/XX/2020 15 U.S code 1681n XXXX of pulls XXXX Date of inquiry : XX/XX/2020 15 U.S code 1681n XXXX of pulls XXXX Date of inquiry : XX/XX/2020 15 U.S code 1681n XXXX of pulls XXXX Date of inquiry : XX/XX/2020 misleading false reporting unverifiable and inaccurate reporting. Date last activity is not 100 % accurate across each credit bureas which is a FCRA violation XXXX XXXXXXXX Account Number : XXXX misleading false reporting unverifiable and inaccurate reporting. Date last activiy is not 100 % accurate across each credit bureas which is a FCRA violation XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy XXXX XXXX XXXX Account Number : XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX Acct # 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