Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Card was charged for something you did not purchase with the card

I received a phone call from Macy 's saying someone was trying to increase my line of credit using the terminal at a store in XXXX XXXX CA using my social security card. I was told they tried to charge XXXX of merchandise, which I was able to stop. Card cancelled However, I received my Bloomingdales statement and saw over one thousand dollars of merchandise charged at two different locations using my social security number and reported this as identity theft. Bloomingdales requires me to file reports in order to stop me from being charged. The stores my SS was used are not in my area, and I don ; t know how they were able to use without an ID check. My concerns is that they have a fake Drivers license and this makes it easier. 
I have put a report into newly subscribed XXXX XXXX, but these charges were made prior to my getting this protection.
Complaint sub-issue: Account status incorrect

Thank you for the opportunity to explain the late payments and issues on my credit report. 

In XX/XX/XXXX, after a lot of hardwork I was blessed to be able to purchase a home in XXXX XXXX, GA for my daughter. 

From the time of purchase up to the beginning of COVID my daughter either paid her mortgage to me ( usually by transferring from her NFCU account to mine or by XXXX ). I would then pay the mortgage via XXXX XXXX. Within a month of COVID ; however, my daughter lost her job. After using the few months pay shed saved, the mortgage became my responsibility. Not just because the loan is in my name, but because as her Mom it was my responsibility. 

Then, not to get too personal, in the midst of COVID ( XXXX ) and her job loss, I found out my then husband was having an affair with an XXXX driver after only 5 months of marriage ( cant make this up ) AND hed lost his job, leaving the mortgage on the home I shared with him as my responsibility, as well as, all household expenses for both houses. 

So at this point, Im paying two mortgages, two car notes, utilities in two houses and credit cards for each of us on top of dealing with what ended up being the beginning of the end of my marriage. 

I eventually separated from my husband in XX/XX/XXXX. My divorce was final in XX/XX/XXXX. 
Prior to my life turning upside down ( XXXX ) Id accepted a position below my previous level of pay to reduce the stress in my life but, after trying to carry two households on that salary through XXXX and part of XXXX ( where most of the late payments occurred ) I was forced to take on multiple full-time jobs to support my family. 

I am quite aware that the late payments are horribly reflection of creditworthiness, but I do want to point out that throughout all of the above episodes, I may have paid late many, many times, but my family remained in our homes, our cars were not repossessed, our utilities stayed on and there are no charge offs on either of our credit. I did this after speaking with all of my creditors, explaining the issue to them and letting them know I would try my best to keep paying all my bills. 

ON TOP of all that XXXX XXXX XXXX XXXX and the XXXX XXXX Police notified me in XX/XX/XXXX that someone had come into the XXXX VA branch with fake id 's and my lost debit card attempting to withdraw money from my bank account. I live in GA. I have been working with the police in both GA and VA to try to get a small mountain of identity theft items resolved that I was not even aware of until they contacted me! 

I have emailed each of them asking that they honor their word and remove late payments under the CARES Act to no avail. I need the help of CFPB. I am exhausted at this point. Had I know I'd get treated just like someone who didn't pay at all, I wouldn't have killed myself trying to not let anything fall behind.
Complaint sub-issue: Reporting company used your report improperly

I noticed on my XXXX report an inquiry that I did not authorize from Citibank NA., BEST Buy Dated XX/XX/2017.
Complaint sub-issue: Account information incorrect

I am writing to request your help in rectifying a problem I discovered which is adversely affecting my credit score. Some months ago I looked at my credit score through XXXX XXXX and was appropriately shocked to discover the amount of the school loan I owed was doubled what I actually owed. I tried initiating a dispute through XXXX XXXX and Equifax, contacting XXXX XXXX in XXXX XXXX Servicing but I couldnt get to the bottom of it. I graduated from XXXX XXXX of XXXX after transferring from XXXX XXXX after three semesters. I acquired Pell Grants, scholarship money and through an appeal reduced tuition at XXXX XXXX due to financial hardship. I kept good records of what I was borrowing. My recordkeeping indicated I would owe around {$27000.00} plus any interest in addition to a XXXX XXXX. Imagine my shock to discover XXXX XXXX show the old almost {$60000.00}! I contacted the associate director of financial aid at XXXX, XXXX XXXX XXXX, who was kind enough to investigate although I had already graduated. In addition, my family and I started making payments to XXXX XXXX in 2016 before I graduated and I have to this date paid over {$6000.00}. I have paid over {$500.00} on the XXXX XXXX. In the meantime I received correspondence from different sources telling me that I dont have a great credit score which has dropped considerably indicating that I am not a good credit risk when I am very diligent about paying all my bills. I do not have outstanding large credit card balances. This has caused me a great deal of distress and XXXX  because I pay my bills on time and know exactly what I owe in school loans. I have worked hard even during the pandemic to stay employed and stay current and all payments. I hope you can help me clear up the situation. Sincerely and with thanks, XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

In accordance with the FCRA XXXX Account, 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 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

I mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after investigation with the same inaccurate information. 
The law states that 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 investigation. ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Moreover, the account does not belong to me. This is willful disregard of the FCRA. 
A debt buyer is a company or individual who purchases account ( generally non-performing debts ) with the intent of collecting debts owed. A third-party collection agency is a company or individual who specialized in collecting outstanding debts for their businesses or individuals. XXXX XXXX reporting guidelines state : Accounts reported in error must be deleted.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/XXXX, acquired an auto financed by XXXX XXXX, on XX/XX/XXXX, I personally delivered paid in full check for the auto loan account to the bank. Since that day XXXX XXXX, Equifax, and XXXX continue reporting the account as open and with balance. After multiples call to the bank and opening tickets for investigation credit agencies continue reporting wrong information. Disputed twice the account in the subject on all three agencies and they keep saying and reporting the account is correct even when I had sent them and they had confirmed the reception of paid off certification that i had from the bank. Both the bank and Credit Report Agencies are violating the Fair Credit Reporting Act. I Cant keep calling and disputing the account when they are ignoring supported document of the paid account.
Complaint sub-issue: Debt is not mine

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT
Complaint sub-issue: Information is not mine

I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. The information is incorrect for the following account XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Account Number : Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Account Number : Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Account Number : Please remove it from my credit report. 

5. The inquiry was not authorized XXXX Account Number : Please remove it from my credit report. 

6. The inquiry was not authorized XXXX CARD Account Number : Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX CC Account Number : Please remove it from my credit report.
Complaint sub-issue: Confusing or misleading advertising about the credit card

My complaint pertains to predatory auto-renewal subscription business models that many companies have adopted ( both specifically and generally ) this day and age. Specifically, the Calm app claims that it's a free app, and I must have downloaded it for free about a year ago, because I recently noticed a charge of {$59.00} from the company in my XXXX account. Most importantly, I did not authorize this payment. XXXX advised me to report it as fraud ( which I did ), and then they reissued me a new credit card. 

But lo and behold, the charge reappeared in my account after XXXX reported it. After calling XXXX about the resurrected charge, I was told that the dispute had been closed and there was nothing they could do about it on their end. I then contacted Calm and am still trying to convince them ( through XXXX ) to reimburse me for the {$59.00} annual renewal that I did not authorize. I have not used the Calm app at all and don't feel like I should be charged for a service that I do not want access to for another 12 months. 

Generally, companies should NOT be allowed to automatically renew their services without the permission of their customers. This is unethical and reinforces the digital scam culture, as many consumers can not keep track of which subscriptions they have and when these subscriptions officially end. Further, consumers do NOT read the fine print and should not be expected to. It's a poorly written piece of communication - a lengthy statement that the layperson can not read thoroughly, not to mention how difficult it would be to remember what is specifically mentioned when one must accept the terms. Companies need to stop preying on the faulty memories of their customers. Stop stealing our money without asking us to authorize another day, month, or year of a service first.
Complaint sub-issue: Reporting company used your report improperly

the consumer reporting agency LexisNexis has infringed my right to privacy and has violated many federal laws. LexisNexis has violated my rights to privacy and consent. by furnishing my public information without notifying me or having my written consent. the law Cleary states i have a right to privacy. in response LexisNexis told me that this law doesn't apply to them and and they can furnish my information without my written consent. LexisNexis also reply to me saying they are not a Fianacial institute. they only validate information. LexisNexis never gave me the right Wich is required by law to dispute any negative information that's being furnished to my consumer profile. im currently working with my states attorney office to hold this company accountable for breaking federal laws and for disregard to consumer rights. my states attorney office still has yet to receive response from LexisNexis for violating my rights. Wich, we have more than enough evidence to hold this company accountable. in federal court. as a result of XXXX  violating my rights. i was discriminated against and denied my right to extend credit. i also suffered emotional as well as financial hardship. there for LexisNexis is liable according to 15 usc1681o. other vioaltions 15 usc 1692a ( z ) - 1681 ( a ) ( 4 ) 15 usc 1602 ( k ) 15 uisc 1692j ( a ) 15 usc 1692a ( z )
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 USDOEXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DP OF EDUC 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 : 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: Account information incorrect

Discover arbitrarily reduced my credit limit without reason and without notifying me. This unfounded and malicious action not only reduced my available credit, it drastically increased my percentage of amount owed to amount available. 

This wrongful action has caused more than a 100-point drop in my credit scores and has result in the denial of credit. This is the case even though I have never missed a single payment on any of my credit accounts.
Complaint sub-issue: Investigation took more than 30 days

I have submitted disputes to you and and I didnt get a response within 30 days and yall are required by law to do so. Please investigate disputes please. Thank you.
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 U.S.C 1681. 

Account Name : 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 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 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 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 follow items of information any other adverse item of information other then records of convictions of crimes which antedates the report by more then seven years.

15 U.S.C 1681s-4 ( 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: Information belongs to someone else

I'm showing a voluntary repossession with a joint account from XX/XX/2015 on my credit report with XXXX XXXX XXXX that I'm not aware of. I've contacted them to provide my some type of validation to this account ( signed ink or any document proving, I'm the one who got this account ) and they have nothing on file so they tell me not even as much as who else is on this account so I've tried disputing this with both the company and the credit bureau ( Equifax ). This currently has effected my credit in a negative way and all I want is some resolution and to know if I can pursue this through legal actions.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

In XX/XX/XXXX, we purchased a chicken coop online for {$1000.00} paid with our Citi credit card. What we received was a damaged piece of junk that continued to fall apart after assembly, deceptively marketed with fake reviews and unable to be returned. After a month of failing to convince the vendor to honor their warranty, we disputed the charge with Citi on XX/XX/XXXX for Goods / services not as expected. 

Citi assigned the dispute case XXXX, and on XX/XX/XXXX they closed their investigation for the first time and reversed the conditional credit, claiming we were responsible for the charge. Their inexplicable reason for this was a response from the vendor of proof of delivery a fact never in contention. It also set the pattern for continued interactions with Citi. 

We provided additional information as requested by Citi time and time again. These responses went to them on XX/XX/XXXX ( closed XX/XX/XXXX ), XX/XX/XXXX ( closed XX/XX/XXXX ), and XX/XX/XXXX. First, they wanted proof of the issues. Then they wanted us to return the coop, even when we had already explained why we couldnt. Their last response was perhaps the most egregious, they ignored all content of the message and simply said they appreciate your feedback before closing the dispute again. 

We have been customers of Citi since XXXX, and despite all the evidence and messages we have hit a wall. Citi has refused to address the reason for the dispute, has refused to answer our questions about their investigation, has refused to reopen or review the dispute any further, and is instead is standing by a deceptive scammer.
Complaint sub-issue: Information belongs to someone else

I was informed by my bank lender that I was not approved for a home equity loan because of derogatory items on my credit report. I then pulled my credit report for myself and I notice unknown, suspicious accounts. Please remove these fraudulent accounts as soon as possible. 

US DEPT OF EDUCATION XXXX {$27000.00} XXXX XXXX XXXX   XXXX {$0.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX U.S Bank  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 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes.
Complaint sub-issue: Problem during payment process

In the month XXXX, 2020 during the lockdown from COVID-19 I ( XXXX XXXX ) attempted to make a payment several times over the phone, to a closed CitiBank credit card, but I was unable to get on through. During this time the Banks were closed, and my online account was inactive. I was under the impression that CITIBANK/CITICARD were aware of this difficulties, especially given that it was report on the news that payments during the time would be postponed and without penalty. Even the president said it ... To my surprise I received an alert from credit monitoring system, stating that I had negative remark on my credit report from CITI. At this point I'd not had any missed payment on that account to date, four year from open date. I was finally able to get through and make payment in full. I contacted CITI to file a dispute and I filled a dispute with the credit bureaus ( XXXX, XXXX, XXXX  ) stating reasons. And up till today XXXX, XXXX CITI have not removed those remarks from my credit profile. This was during the total lockdown period.
Complaint sub-issue: Reporting company used your report improperly

EQUIFAX INC. 'S CREDIT CONSUMER REPORT SERVICE IS IN VIOLATION OF THE ( FCRA ) RULE OF LAW ENFORCED BY THE DOJ DEPARTMENT. 
EQUIFAX INCXXXX IS CURRENTLY LISTING AND PROVIDING FRAUDULENT UNAUTHORIZED INQUIRY INFORMATION TO THE PUBLIC. 
I DID NOT REQUEST THAT THESE COMPANIES PULL HARD INQUIRIES FOR ANY TYPE OF SERVICES, # XXXX XXXX  ON OR ABOUT XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX ON OR ABOUT XXXX XXXX. 
THE SAID ABOVE INQUIRIES THAT EQUIFAX INC. IS REPORTING IS IN FACT FRAUDULENT, AND SHOULD NOT BE REPORTED TO ANYONE ' DUE TO ID THEFT.
Complaint sub-issue: Problem with personal statement of dispute

In XX/XX/XXXX a 30 day late was reported to credit bureaus. I am a great person and have gave a ton of service to conns with more than 4 perfect satisfied accounts. I made one mistake 5 years ago and asking to have this reporting removed so I can achieve the American Dream of becoming a first time homeowner and this is preventing me from doing so. I deserve a 2nd chance. its already been 5 years on my credit, please remove 2 years early and help me become a homeowner.
Complaint sub-issue: Reporting company used your report improperly

Invasion of privacy publishing my consumer information without consent.
Complaint sub-issue: Threatened or suggested your credit would be damaged

PLUS FOUR representing XXXX XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such as ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2014 amount {$260.00}
Complaint sub-issue: Account opened as a result of fraud

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file :
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXXXXXX XXXX XXXX XXXX XXXX