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

On XX/XX/2021 I noticed a fraudulent charge on my Citi XXXX XXXX card for an XXXX ride I did not order. The amount charged fraudulently was {$67.00}. I checked my own XXXX account and confirmed there was no recent activity. I immediately went online to dispute the charge. The website said I could not dispute the charge until it had posted, which I thought was a mistake since someone had my card information. I called the number on the back of the card to report this. The representative I spoke to told me that he would need to transfer me to another department. He then hung up on me. 

Following being hung up on, I used Citi 's online chat feature. This representative let me know that my account now had a fraud lock on it, and I would have to call the fraud department. Using the number provided, I called the fraud department and was again hung up on by that representative after answering the same questions I had answered with the first two representatives. 

I returned to the chat representative who told me to call in again and request to speak to a manager. I did, but the representative on the phone said she could only transfer me to a supervisor. The supervisor said that there was no manager available, and I would be called back within 24 hours. I never received a call back. 

The supervisor on the phone was ultimately not able to help me, as the fraud lock required she verify my identity which for some reason she was unable to do. The fraud in this case was not detected by Citi at all, I alerted Citi of it when I called. 

After receiving a validation letter to verify my identity a few days later, I called back and was disconnected by their automated service. I called again and was finally able to get the card cancelled and a new one sent. 

On XX/XX/XXXX I received a notification that my dispute had been denied, and their credit was reversed. The " proof '' supplied by the merchant was a receipt written to someone named XXXX. My name is not XXXX. The XXXX ride took place in XXXX XXXX XXXX, where I have not been in years. The only information provided for the billing address is " XXXX '' which clearly does not match my account. The contact email and phone number provided by this person also do not match mine. I have a copy of the documentation provided by XXXX to Citi and have attached it below. 

As requested by Citi, I signed a document affirming that " Neither I nor anyone authorized by me made this charge ( s ). '' I emailed this to them at the provided email address on XX/XX/2021.
Complaint sub-issue: Their investigation did not fix an error on your report

While XXXX with the United States XXXX, I received late charges to my XXXX 's credit card account. Prior to XXXX I requested to temporarily delay payments due to the inability to reliably submit payments while serving in a remote location. My account was sent to the XXXX XXXX XXXX department and reported negatively on my credit report with all three bureaus. 

Once off XXXX, I immediately contacted the collection agency, explained in detail my situation and asked for relief under the Servicemember Civil Relief Act of 2003 ( SCRA ). The collection agent and I agreed that I would pay the full amount ( {$74.00} ) and in turn, they agency would report the account as closed and delete. I fulfilled my portion of the agreement and paid the full amount of {$74.00} in XX/XX/XXXX. However, the agency did not do what was agreed and the amount was reported as a " charge-off ''. In response, I contacted the collection agency and credit bureaus to have the account removed under the SCRA with no success.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX reported late fees for my account with them the entire year of XXXX, XXXX and several months in XXXX. I have paid these payments on time but for some reason they have been reported as late which is preventing me from moving forward with getting my credit report and score updated to a positive number. This is preventing me from purchasing a home. I have contacted the company, I have emailed the CEO of the company in which they denied to look at my account to correct the issue. I have sent letters and they have not been answered. I sent my payments in and they have been reported late although they were on-time.
Complaint sub-issue: Deposits and withdrawals

On XX/XX/XXXX, I received notification from US Bank that my business account was in the process of closing for suspected irregular activity, in accordance with the terms and conditions of the Deposit Account Agreement. In the letter it stated if i had questions to contact to a number that is no longer working. ( XXXX ). Therefore, I contacted the customer service number on the back of the debit card and for 3 hours I was transferred to about 15 people that still could not provide answers. I asked if I could at least pay my account to a XXXX balance and was told since there was no local branch in my area I could : 1. ) XXXX from another account- which did not work 2. ) Wire transfer- which was not true 3. ) Recovery department could not take a payment because my account was not officially closed Then after calling back from all the failed attempts the next day ( Friday ), I was setup with a virtual call with a branch manager at XXXX XXXX XXXX XX/XX/XXXX XXXX to only be called by a banker at XXXX XXXX and was told they was not sure why this meeting was setup. When I explained to the banker that the meeting was scheduled with a branch manager, I was told no one could help me and she hung up. I called back several times with no answer. I also let a very polite email and no response. 

I called one of the 15 numbers I had been giving previously to file a complaint and of course was told someone would contact me. As of today XX/XX/XXXX, I have not heard from one manager.

On XXXXXXXX, I wrote an email to the chairman, president and CEO of US Bank to only receive an acknowledgment from the Executive communication department. As of XX/XX/XXXX, I have not received a phone call from anyone to assist me with my concerns. But only acknowledgement that they received my complaint. 

As of today, the account is at a XXXX balance but I had to pay more ( {$440.00} ), versus if I was given the opportunity to pay during the 3 weeks of denial ( {$390.00} ), run around and transferred to several different departments that had no clue of how to handle my situation. I honestly feel I was treated with disrespect which makes me feel this was done based on me being a female. No one asked me what the issue was as to why i had the return check.
Complaint sub-issue: Information belongs to someone else

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$0.00} XXXX XXXX {$1800.00} XXXX   XXXX XXXX {$650.00} XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$300.00} XXXX XXXX {$270.00} XXXX XXXX XXXX {$560.00} XXXX   XXXX {$1300.00} XXXX XXXX {$410.00} XXXX XXXX XXXX {$860.00} XXXX XXXX XXXX XXXX XXXX {$60.00} XXXX XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX {$6300.00} XXXX XXXX {$0.00} US DEP ED XXXX {$1300.00} XXXX XXXX   XXXX {$110.00} XXXX XXXX {$1400.00} XXXX XXXX {$0.00} XXXX  XXXX {$270.00}
Complaint sub-issue: Information belongs to someone else

I have called and sent multiple letters to Equifax proving that a name, social security number, and several accounts listed belong to someone who is NOT me. I have provided them with legal documentation, such as copies of my driver 's license, social security card, and proof of address, indicating that this person 's information needs to be immediately removed from my reports. I have tried to resolve this over a period of approximately 7 months, and as of today 's date, I have been unsuccessful. They have not even had the courtesy to respond to me. When I call, I get transferred and then the call drops. 

I was recently turned down for a mortgage loan even though XXXX   and XXXX are reporting correctly with my scores in the 800 's.  However, since this other person has late payments on an existing mortgage loan, I was denied and I feel that I am being held hostage by the misreporting. 

This ongoing situation and being disregarded and ignored by Equifax has cost me not only financially, but emotionally and physically as well. All that I am asking is that someone takes three seconds out of their day to see that the name and social security number listed on my Equifax report is NOT ME and remove them and all other derogatory items from my report.
Complaint sub-issue: Information belongs to someone else

Unfamiliar address is going to my account and someone used my SSN and my full name. Open several utilities account opened and opening XXXX, TX. I never lived.
Complaint sub-issue: Investigation took more than 30 days

I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I had a fraud alert placed on my credit file that indicates anyone who runs my credit should call me for verification and this was not done and it violates my rights as a consumer. I have reached out to the credit bureaus on mor e than one occasion  to advise of my credit being pulled without my permission and received no resolve. I have also attempted to dispute these unauthorized inquiries multiple times to no resolve.
Complaint sub-issue: Their investigation did not fix an error on your report

In late XX/XX/2021, the XXXX XXXX company reported my account 30 days late. I made a payment on their electronic phone line on or about XXXX XXXX. A few days later I realized that my payment had not been drafted from my account and I called them. I was informed that there was a payment that had been rejected. I contacted my bank to verify this information and they told me that no payment had been attempted from the mortgage company. At that point it was after my 15 day grace period so I was worried about late fees. I called the XXXX company to make a payment and tell them about what was going on in an attempt to get the fees waived. After all, we are in a pandemic and every penny mattered. They told me no they would not waive the fee and that I needed to make the payment right away. I made the full payment right there over the phone with the rep. I woke up a few days later with a late payment notification from XXXX XXXX I was very upset because I had been in contact with them about the issue. At that point, I called them multiple times only to hear that it was nothing they could do. I spoke to multiple managers about what happened and I was told to file a dispute with the credit bureaus. I asked the company for a letter from stating that my account was current and that it was in good standing and was never late. I added this letter to my dispute. The disbute came back verified, nothing was changed on my credit report and I dont understand how. Since my disbute I have called them once a month and I still havent received any positive solution. I dont know why they are unwilling to work with me on a system error. I have never had this issue of being late on a Morgage before. I am filing this complaint because I have tried to contact this company multiple times to rectify this issue and they have basically laughed in my face and told me to handle it with my credit report. This late payment has dramatically affected me and their reporting was not fair or accurate. Since then, they have transferred my Morgage to another lender.
Complaint sub-issue: Reporting company used your report improperly

They are reporting false information about me XXXX XXXX. I have accounts that was used by someone and I didnt know who did it and I being held accountable for the account that i didnt use. My social security number is XXXX. Date of birth XX/XX/XXXX. My identity was stolen.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Case XXXX XXXX XXXX XXXX XXXX XXXX XXXX set aside the Judgment. XXXX XXXX also stated that the statute of limitation 's was up and the debt from Discover could not be collected by any other means. On XXXX XXXX I received a call from XXXX XXXX XXXX XXXX XXXX XXXX XXXX,  XXXX MA XXXX trying to collect the discover debt. I told them about the ruling of XXXX XXXX and faxed a copy of Certificate of Service they said they would review the document. The firm North Carolina phone is XXXX XXXX. They have no legal right to try to collect the debt. I faxed the documents to XXXX XXXX at XXXX XXXX XXXX.
Complaint sub-issue: Investigation took more than 30 days

*****EQUIFAX HAS " NOT BEEN ABLE TO PULL MY REPORT FOR DETAILS DUE TO NO REPORT BEING FOUND '' for a year now!! Before you deny/close out the claim due to YOUR error with recieveing my none frozen or restricted account be sure it is in the USA and my name and other info IS CORRECT*****I have spoken to a lawyer and the next violation or careless error on your end or the CFPBs will be cause for MOTION TO FILE SUIT!!! 
This company has taken more than 60 days to mail me my proof of signature and agreement between me and the listed companies which is clearly against the law. Most of the Inquiries are within 1 day of eachother and or I have no knowledge of a HARD pull as stated In my initial dispute. PLUS I'm entitled to the methods used to speak with the company to validate the info by you..ie name of person spoken with # /department time etc. 
REGULATIONS/LAWS BROKEN : 15 U.S.C. 1681n ( a ) Damages/Defamation of character/ Negligents 1.Civil liability damages violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ] obtaining my CREDIT BUREAU consumer report without my permission : Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the list of the erroneous inquiry reporting on my Credit Report : XXXX XXXX XXXX XX/XX/2021 ;
Complaint sub-issue: Account status incorrect

This account has been resolved as of XXXX XXXX. I want it off of my credit report NOW. 
My XXXX score went up after reducing overall debt on XX/XX/XXXX. Equifax did not reflect this.
Complaint sub-issue: Information belongs to someone else

Hi, my name is XXXX XXXX XXXX XXXX. I am writing to delete the following information in my file. This issue is giving me an extremely hard time trying to get a house. The items are listed in the report. I am a victim of identity theft and did not make the charges. I ask the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible please and thank you! 

XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I HAVE INFORMATION ON MY REPORT THAT I HAVE NO KNOWLEDGE OF AND ARE NOT MINE
Complaint sub-issue: Their investigation did not fix an error on your report

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to correct immediately : XXXX XXXX XXXX XXXX
Complaint sub-issue: Received bad information about your loan

I submitted for my repayment plan to be from Income Drive Repayment to Extended Graduate Fixed on XX/XX/XXXX. On that day, I called in and I was told that it would take 10 business days to process. That time passed so I called in again on Thursday, XX/XX/XXXX, I called in again and I was told the repayment would be processed by Tuesday, XX/XX/XXXX. On the XXXX, I called in again and I talked to XXXX - ID XXXX and he told me my plan would be changed start XX/XX/XXXX for {$310.00}. I asked him to send me written confirmation and he said it would be sent that night or the next day. I expressed to XXXX that I did not feel comfortable leaving the call until I received written confirmation because it took me so long to get this information after being told different information on each call. He refused to send an email for written confirmation to me. I expressed again that I didn't feel comfortable leaving the call until I got that information and he said, " you can hold all day but you are not getting an email ''. I asked to be escalated to a manager which lead me to XXXX - ID XXXX. XXXX started with the call that I would not receive an email and if I wanted to wait on the call, she would just put me on hold and I would be forced to wait. I found XXXX who claims she was a supervisor at XX/XX/XXXX to be disrespectful, rude and not qualified for her position. Each time I tried to explain why I was looking for the written confirmation, she would speak over me. I asked why she kept speaking over me and she would not answer. Instead, she told me my request would never happen. I started trying to go into my detail about my position and XXXX hung up on me. 

I would like to report both employees, get written confirmation, and have both employees written up as well.
Complaint sub-issue: Trouble with how payments are being handled

On XX/XX/2018, I made a request to XXXX XXXX to change my payment due date from XX/XX/XXXX of the month to the XX/XX/XXXX of the month. My reason was that the new payment schedule would better align to the day that I am paid by my job. After submission of my request, my payment due to XXXX XXXX increased from ~ {$590.00} per month to ~ {$650.00}.

After approximately XXXX and a half months ( on XX/XX/2018 ), I submitted a second request to schedule my due date back to the XX/XX/XXXX of the month. I realized that the monthly amount due was too high for my personal budget.

Shockingly, after XXXX XXXX accepted my new request, my payment amount due increased to {$680.00}.

I called XXXX XXXX to understand the increase. In XX/XX/XXXX, the amount due was {$590.00} and I could not understand the increase after only XXXX months. I shared the documents received upon submitting my requests in which no information was mentioned or shared about changes to repayments ( other than date changes ) amounts. Additionally, I walked the loan representative through the payment date change process and showed her that there is zero language around long-term payment increases. The only payment-related disclosure shared was that I may have to make a double payment once the new billing cycle starts.

XXXX XXXX XXXX response was to offer me new repayment terms. Which I did not want to accept. I wanted my amount due to return to its original {$500.00} amount. Instead of providing documentation that spells out how the change occurred, the rep continuously pressed me to consider extending my repayment terms.

I pointed out several times that loan institution provides clear disclosures on neither their website or complementary documents that inform borrowers of the consequences of changing the payment date. In fact, the website simply states : Change Your Due Date to Fit Your Schedule If You Change Your Due Date : It may take up to 2 billing cycles to reflect your due date change.

It may result in two payments being due within 1 billing cycle ( XXXX days ).

Any loan that is in a paid ahead status will be removed from that status, and the next monthly bill will require you to pay the full installment amount.

After my discussion with the loan representative, she admitted that none of my documents specify that I would receive an increase of payment amounts just from changing my due date.
Complaint sub-issue: Information belongs to someone else

XXXX did n't honor their promise to remove the XXXX account which I already Proved several times that it belongs to my husband. Furthermore, they have failed to send me in the mail and they respond which they told me they will get from the company. He only send me a letter in the mail tell me to contact the company. By law based on the fear reporting act they are not allowed to report incorrect information from a source which is and they can not identify and on several phone calls I was promised that will be removed and all they did is make a remark that its in dispute and it did not remove it. Moreover, by law they are required to block the creditor from being able to report this inaccurate information.
Complaint sub-issue: Information that should be on the report is missing

Through a backround and XXXX check provided by 'CHECKR ', previous driver 's license info was not shown ; report shows current Wisconsin license issued several months ago, but no mention of Illinois driver 's license that was active and in good syanding for many years prior to Wisconsin License.
Complaint sub-issue: Debt is not yours

This company is cherging me {$300.00} for a XXXX phone bill i never had in XX/XX/XXXX. I have been using XXXX XXXX since XX/XX/XXXX and they are claiming i have an unpaid account from XX/XX/XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX is incorrectly reporting to all 3 credit agencies that I was 30 days past due in XX/XX/XXXX. 

XXXX is incorrectly reporting to XXXX that I was 30 to 60 days past due in XX/XX/XXXX. 

There are several incorrect addresses reporting on my credit file. Please remove the following incorrect addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Personal information incorrect

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX