Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with fees

XX/XX/XXXX : Paid the total amount due on the Citi Credit Card.
XX/XX/XXXX : Check account to verify that all balances were at XXXX. Discover a new charge of {$69.00} has been added. Make payment in amount of {$69.00}. Total account balance is now at XXXX again. XX/XX/XXXX : Check account again to verify balance is at {$0.00}. Discover a new charge of {$45.00}. Contact Citi, and I am told that even though I paid off my balance, interest fees continue for up to two months after. I pay the {$45.00} balance and close my account. Associate asks if there is anything to remedy that problem, I say to credit me that two interests charges that I have been charged since paying off the total balance due, and I am told interests charges are hard to overturn. I close my account. No other card I have ever had has continued to show a balance after I have paid off the account. I feel that the way Citi has done this is deceptive, because most people will pay off the balance and figure that they are done. If I had n't checked on my own to verify my XXXX balance, I would still be accruing late fees etc for not paying on an account that I thought was at {$0.00}. As of this writing, I ca n't be 100 % sure that I wo n't have another interest charge in another month.
Complaint sub-issue: Account status incorrect

THIS COMPANY AFNI INC ORIGINAL CREDITOR ( XXXX ) IS STILL REPORTING ON MY CREDIT FILE. THIS ACCOUNT IS SHOWING AS COLLECTION BUT IS ALSO REPORTING PAST DUE.
Complaint sub-issue: Information belongs to someone else

Two fraudulent accounts were opened on my behalf. 

XXXX XXXX/XXXX - Opened XX/XX/2019 XXXX XXXX XXXX/XXXX - Opened XX/XX/2019
Complaint sub-issue: Card was charged for something you did not purchase with the card

I have two unauthorized purchase on my Citibank Credit Card at XXXX XXXX. When I contacted Citibank I was transferred to their fraud department and I was told that since I do business with Home depot using my XXXXXXXX XXXX card, I made the purchases and I have to pay for them or I am to take the items back to XXXX XXXX for a refund. I told them I did not made the purchases and I have no items to take back, so how are they telling me that I must go and get a refund. I was told to pay a {$35.00} min payment on XX/XX/21 so that I would not have to pay a late fee and the and {$35.00} min payment will be credited back to my account and the fraud transactions will be credited back to my account. That did not happen. I called again on XX/XX/21 and spoke to XXXX, XXXX and XXXX who told me that the case is closed and I have to pay for the items. I am the only person that have access to my card. The cancelled card is still in my possession and I was sent a new card. If the transaction were mine, why would Citibank send me a new card? After several attempts and no resolution, I told them that I will not be paying any more money on this account because I did not made those purchases and I am a victim of fraud, and I am going to dispute the transaction when they send my account to the credit bureau for nonpayment and provide my evidence that I was at work when the in store transactions took place. I go to lunch from XXXXXXXX XXXX., I have to log in and out, and the transaction was made at XXXX per email message received. All calls are recorded and I am requesting that those calls be looked into. I am also attached a letter from my office manager to verify that I was at work along with a copy of the email.
Complaint sub-issue: Received bad information about your loan

My loan was transferred from XXXX to XXXX XXXX XXXX, and all paperwork was lost. They are quoting that I owe more than when it was transferred, although I have paperwork from XXXX from 2016 on what the loan amount was. They are nothing but XXXX when you call to try to get any information, and they have told me numerous times that files and records were lost when they took over XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX and XXXX are reporting incorrectly on the XXXX XXXX partial account number XXXX. ( Please see pages 13 and 14 of the attached credit report. ) XXXX XXXX is claiming that I made a {$500.00} payment which I didnt make and now the ( 3 ) credit bureaus have moved the date of last activity forward. This is clearly a violation of the Fair Credit Reporting Act to make up payments that have not been made in order to move up the date of last activity. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Complaint sub-issue: Problem getting your free annual credit report

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXXXXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SS # ENDING IN XXXX
Complaint sub-issue: Debt is not yours

I keep getting emails from Klarna finance company stating that I owe a monthly payment of {$100.00} that is past due. I have called them several times, sent several emails stating that I do not owe them any payments. The merchandise were returned. They keep sending me these emails. I want this to stop.
Complaint sub-issue: Account status incorrect

This company is reporting 14 thirty day late payments on my XXXX  credit report for a loan that was taken out on XX/XX/XXXX. On the day the loan was taken out, one of the representatives informed me that I had to sit at one of the computers they have set up in their office and set up automatic allotments to get the loan repaid before I would be allowed to leave the premises with the loan check. As I was XXXX XXXX military at the time, I logged into my DFAS account right then and there and set up an automatic allotment for the amount of $ XXXX  monthly. This account was paid every month using this automatic payment. This account was closed in XX/XX/XXXX due to the balance being paid off in full and I even received a refund check as the allotments were still being paid for even after this account balance was at XXXX. I filed a dispute with all three credit reporting agencies as well as the XXXX  on XX/XX/XXXX. XXXX about the false reporting of several late payments on this account. On XX/XX/XXXX the company responded to my dispute saying that I missed one payment on XX/XX/XXXX yet they are reporting 14 late payments on XXXX  and placed a remark stating " no more than two payments missed '' on my credit report. After continuing to dispute this information, the incorrect payment information was deleted from XXXX  and XXXX, but the company failed to remove it from XXXX. Also, even though this account was closed with a {$0.00} balance on XX/XX/XXXX, they reported a 30 day late for XX/XX/XXXX as well as for XX/XX/XXXX. This company is in violation of the FCRA and reporting incorrect information on my XXXX  credit report.
Complaint sub-issue: Account information incorrect

The 3 Major Credit Bureaus are reporting information on me that is not accurate and should not be reporting on my report. 

I do NOT owe any thing to this creditor, and each time I dispute this with the creditor they never respond and the credit bureaus lie by stating that they have verified this and it is accurate. But they are lying because if they truly investigated this they would see that I am not responsible for this and this should not be on my report. 

XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$1000.00} This XXXX account is fraudulent! 

XXXX XXXX Reported : XXXX. XXXX, XXXX {$1600.00}
Complaint sub-issue: Debt is not yours

the attached itens in my credIt credit report have been xharged iff as bad debt. Under united states federal tax law it is fraud to collect any debt ( see attached ) that has been writtteb off on their federal taxes. Im simply asking equifax and XXXX to follow the law and remove these items from my credit teport. If not i will file a complaint in federal court that both comoapanies are engaging in fraud.
Complaint sub-issue: Account status incorrect

It 's a old cable bills XXXX XXXX {$210.00} XXXX that I was n't aware of. Recently found out it was showing outstanding in my credit report, immediately paid off but it 's still shows. I 'd like it to be removed, it 's affecting my credit score.
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

I was alerted to a low balance on my direct express card on XXXX XXXX at around XXXX I immediately checked my transactions online and noticed my account had unauthorized transactions. I called and reported it immediately and had the card shut off and claims put in for the transactions. I was told to wait for a questionnaire to fill out that needed to be back by XXXX XXXX and XXXX according to each claim. The questionnaire never arrived I called in on the morning of the XXXX and was told to type a statement and include my police report of the theft with it. I did that and faxed it to them. I called back in 8 hours later to make sure they received the fax and was told my claims had been denied. These were unauthorized claims and my money was stolen and they were reported immediately to them and they are refusing to give me my money back. I still haven't even received my new card in the mail. They tell me to call the vendors of the transactions which I've tried and someone them you can't even speak to anyone specifically XXXX which is the biggest ones.
Complaint sub-issue: Threatened to sue on too old debt

Left messages on my phone and my dads stating that I had a complaint filed against me and that legal action would be taken against me. When I returned the call they would not send me proof of the debt said that I had to pay or further action would be taken. Wanted my current addresses and account information. Placed my on hold several times while they made " arrangements '' with the credit card company.. I do n't believe this company is a legimate debt collector and that they are a scam. They are where calling about a card that was closed out 10yrs ago.
Complaint sub-issue: Account status incorrect

There is a late payment reporting on my Discover account on XXXX XXXX XXXX. I have tried to reach out to discover to fix this issue but have yet to hear back anything from them. I have a simple request/explanation as to what happened. During the month of XX/XX/2022 I was out of town to attend my grandmother 's funeral in XXXX. At the time I had my secretary make sure all of my bills were paid which included my cards, my rent, etc. All of these payments were made however for some strange reason I noticed my discover hadn't been paid. Of course I am with my family and I thought my secretary had everything paid so this is the last thing I am thinking about. As soon as I noticed my Discover account was not paid I made a payment that same day. I wasn't even more than a week late, it was a couple days after when I noticed and immediately made the payment. I love my Discover credit card and hope to do business with Discover in the future, however this was a huge life event which I didn't expect and as a result my Discover card was a couple of days late. I am asking for forgiveness and goodwill late reporting to be removed. This is affecting my whole ability to obtain credit in my life and it is not fair I have paid every bill in my whole life on time and one month where I had a family emergency I am being punished and will not be able to obtain credit for 7 years! I hope this can be resolved, again this is a situation out of my control and I don't think I should be punished as I have always been a 100 % on time customer and always pay off my card in full when I use it. Thank you for understanding.
Complaint sub-issue: Report improperly shared by CRC

This complaint is regarding claim ( # XXXX ) I 'd like to dispute all inquiries made by XXXX of XXXX, TN. These inquiries were done without my authorization. It was only requested of me to apply for pre-approval with their, XXXX XXXX XXXX. I complied, was pre-approved for XXXX times the amount needed ( DocXXXX ), so there was no further need to continue inquiries. Plus, upon pre-approval, I was contacted by a salesperson from the dealership and provided with his contact info and in that email he said he 'd further discuss details of the loan. ( DocXXXX ) Since he did n't bother to contact me and display a lack of interest in selling me the vehicle, I sent him an email ( DocXXXX ) clearly stating I was withdrawing my interest.Though making clear in the email, that I should n't receive a denial letter from XXXX XXXX, since I was already pre-approved, though I did n't receive a denial letter from XXXX XXXX, I received a total of XXXX denial letters ( Docs XXXX ) from other lenders. Lenders, that I did n't authorize ( never filled out a credit app ) only a pre-approval to XXXX lender of which I was pre-approved.I purchased a vehicle on XXXX XXXX and was financed through XXXX ( DocXXXX ), yet I continued getting denial letters up until the XX/XX/XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, DEPT OF EDUCATIONXXXX Account number : XXXX, DEPT OF EDUCATIONXXXX Account number : XXXX, DEPT OF EDUCATION/XXXX Account number : XXXX, DEPT OF EDUCATION/XXXX Account number : XXXX, DEPT OF EDUCATION/XXXX  Account number : XXXX, DEPT OF EDUCATIONXXXX Account number : 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: Account information incorrect

Equifax is the only credit bureau reporting a 60 day late for my XXXX XXXX XXXX   account number XXXX. They are reporting a late XX/XX/2019 and XX/XX/2019. The mortgage was paid in full in XX/XX/2019. XXXX and XXXX are not reporting this. Also, XXXX is not reporting this. I created a dispute which has a confirmation number of XXXX and the 60 day late still has not been removed.
Complaint sub-issue: Account information incorrect

I reviewed my credit reports and saw that the payment history was different on all 3 reports for my credit card which is a violation to the FCRA. I Immediately informed the bureaus but they did nothing to resolve the issue.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX ( XXXX ) and Rent Recover LLC are liars and crooks. They are trying to collect an invalid debt from me and will not remove it from my credit reports/rental history reports, which affects my ability to obtain housing and/or a government job. 
I vacated this property in XX/XX/2016, and am getting charges from XX/XX/2016, when I wasn't even living in the state of Georgia at that time! They are money hungry liars, probably just vindictive that they had to pay ME. 
I have notified both companies several times via phone calls and in writing, to no avail. XXXX ignores my phone calls and does not respond to my voicemails or emails. Rent Recover LLC has been very rude to me : hanging up when I tried to explain their error, calling me names and using profanity. Also, Rent Recover LLC has not responded to my emails either. 
I moved away from the slumlord property, XXXX XXXX XXXX, due to health violations that the landlord failed to alleviate. Yes, this is documented from the GA State Health Department. I withheld rent in order to gain my landlord 's attention. We settled out of court, I signed a Consent Order, along with my attorney and XXXX XXXX, the landlord 's attorney. The order stated that this will not affect my credit as an eviction and that no monies would be owed. I thought it was over until I got denied for housing. I am livid. I don't owe these people and will not pay these people. If this matter is not rectified immediately, I am suing both companies. XXXX, for breach of contract and Rent Recover , LLC for credit reporting violations.
Complaint sub-issue: Deposits and withdrawals

On XX/XX/XXXX I opened a new checking/savings account with Citi Bank. I made an initial deposit to the account on that date and set up direct deposit through my employer who started making deposits every Friday. I then received my stimulus check and deposited it to my account on XX/XX/2021. On XX/XX/2021 I attempted to pay for my medication that I am required to take daily to keep me alive and my debit card was declined. I called Citi Bank and was advised there was a fraud concern on the account and that it was being reviewed by a " back-office team '' that can not be reached via phone and I would just have to wait 24-48 business hours for a response. It is now XX/XX/2021 and they still have not communicated with me, gave me access to my funds which total {$670.00} and keep giving me a different answer everytime I call. I have been calling 2 or more times a day trying to get access to my money and keep being told to call back in 24-48 hours. I have not been able to eat, or get my medication in 8 days and can not get any help from the bank or answers. They did not notify me my account was being blocked and just locked the account, will not tell me why it was locked, or are willing to help find a solution. I have taken it to social media to which their online team said " I am sorry we can not help you just keep waiting ''. They have also locked me out of my online access so I am not able to even see if my money is still in my account.
Complaint sub-issue: Information belongs to someone else

Dear Credit Bureau : XXXX I pulled a copy of my credit report and noticed a fraudulent account. 
Creditor : XXXX XXXX Account : XXXX .... Reason : Fraudulent account I have been a victim of Identity Theft. The account is fraudulent. 
To protect myself from further harm, I have filed a police report and an Identity Theft report. ( See attached reports. ) This fraudulent accounts were not authorized by me. I have also provided you with copies of my social security number and license. 
Thank you. 
A copy of My ID, Social Security Card and Proof of Address are Attached along with the police report and Identity Theft Report.
Complaint sub-issue: Received bad information about my loan

I have had this student loan since XX/XX/XXXX and have been paying without missing a payment since I left school. I filed bankruptcy in XX/XX/XXXX, and this account has been listed as account included in bankruptcy, bankruptcy discharged. I have never failed to pay on this loan, and have filed a dispute with the credit bureaus at least 6 times asking that the account be reflected as open and paying on time. Time and time again I have been told that the information is correct on my credit report and to contact the company, who continue to state that student loans are n't dischargable, that my credit report is right, and have continued billing me. I have continued to pay this entire time because of fear of how my credit could be even more negatively impacted, however I recently submitted a copy of my recent credit report showing that this account is being listed as a negative account with no payment history to the servicer, and was sent an email message that they needed a copy of the credit report, which I had already sent them and was in their possession. This, other than the bankruptcy is the only blemish I have on my credit history, and I believe it has negatively impacted my ability to obtain credit, qualify for lower rates, and hurt prospective jobs, which is unacceptable as I have been meeting my supposed financial obligation.
Complaint sub-issue: Information belongs to someone else

I saw some accounts while going through my credit file recently that should not be there. These accounts are fraudulent because they are not mine. I can not understand how this could even happen because I have not given anyone access to my credit. Please have an investigation done on this issue immediately and have these fraudulent accounts deleted from my credit file. I am unable to get any new credit right now because of this issue.
Complaint sub-issue: Account status

Did not receive verifiable proof ( an original consumer contract with my signature on it )
Complaint sub-issue: Sued you in a state where you do not live or did not sign for the debt

The company sued me in the state of Iowa where I do not live. In addition their process server left a note on my former residence ( which was sent to me ) listing the case number. Searching Iowa Courts for the information yields the name of the company " XXXX XXXX ''. XXXX  the company makes it clear they are a debt collection company. This note was left in a public place where it was collected by a third party who gathered the above information before contacting me. This is not permissible.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act 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 602 A. Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.