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

I have been charged monthly for debt protection since 2008 by XXXX XXXX XXXX XXXX, XXXX, then Citibank when the XXXX XXXX card was transferred from XXXX to XXXX. Have contacted Citibank 3 times requesting proof of purchase of this program. They have failed to provide any proof, but refuse to offer relief. I have payed over {$1500.00} to debt protection that I am challenging and requesting proof of opt in in the form of a signature. They refuse to offer any proof and say that since the charges were monthly and never challenged they will not refund any of the amount paid.
Complaint sub-issue: Account status incorrect

I have disputed this account with XXXX XXXX XXXX and all 3 of the credit reporting agencies, which are reporting incorrect information such as account charge off whith a balance and late payments. I contacted XXXX with a letter of verification of debt, which was sent on XX/XX/2019 via certified mail and recevied on XX/XX/2019. Upon further investigation and retaining new copies of my credit report i noticed that XXXX XXXX XXXX XXXX did not furnish the credit bureaus with the required disclosure within the period required by federal law to place a " Notice of Dispute '' on my account within 30 days of my dispute. On XX/XX/2019 I sent a second letter via certified mail which was recevied on XX/XX/2019, on XX/XX/2019 I recevied a paid in full letter. On XX/XX/2019 I sent letters to all 3 credit reporting agencies along with proof of the account paid in full documents to be immediately remove along with the negative and incorrect information being reported against me. As of XX/XX/2019 Upon further investigation and new copies of my credit report this account remains on my credit report. I'm demanding it to be removed from my credit report immediately.
Complaint sub-issue: Information belongs to someone else

Ive filed a dispute in regards to the incorrect information on my credit report. It has been well over 30 days and I haven't received any investigation results.
Complaint sub-issue: Didn't receive terms that were advertised

Citi Bank was advertising an account opening bonus of {$700.00} if a minimum balance of {$50000.00} was maintained for 60 days in a newly opened account. 

I have maintained the balance for 60 days and waited for extra 30 days to received the bonus. However, I have received an email notification stating that I am not qualified for the bonus since a tax document XXXX has not been submitted. 

This is not correct. I have submitted the form when I opened an account at their branch office. Also, I submitted it in early XXXX again at their branch. In addition, I submitted twice through email to their tax department. Also, their customer representative has confirmed on XXXX XXXX that my accounts are XXXX certified and so I do not need any additional procedure. 

It appears to me that Citi is just trying to find an excuse not to pay the bonus which they have adviertised.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XX/XX/XXXX FLAGSHIP CREDIT ACCEPTANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and FLAGSHIP CREDIT ACCEPTANCE ran an unauthorized credit inquiry on me on XX/XX/XXXX. 

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact FLAGSHIP CREDIT ACCEPTANCE and investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. 

If you have any questions or need additional information, please contact me at address listed below. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX
Complaint sub-issue: Account status incorrect

account is closed and is still showing on my credit report
Complaint sub-issue: Public record

MYSELF AND MY SPOUSE FILED A CHAPTER XXXX BANKRUPTCY, XX/XX/XXXX THAT HAS BEEN SINCE DISCHARGE, XX/XX/XXXX. THE DEBT FOR THE CREDITOR TEXAS TRUST FORMERLY KA : XXXX XXXX XXXX, TX THE AMOUNT OF XXXX WAS INCL IN SAID DISCHARGE BANKRUPTCY. AFTER REPORTING TO EACH CREDIT BUREAU, EQUIFAX FOR MYSELF ( BRUCE NAYLOR, JR ) AND TRANSUNION FOR MY WIFE ( XXXX XXXX. WE HAVE REPEATEDLY CONTACTED TEXAS XXXX XXXX AT THE XXXX ADDRESS IN XXXX. TO DATE THEY HAVE YET TO UPDATE THE RESPECTIVE CREDIT BUREAUS TO REFLECT ACCURATELY. THIS IS IMPEDING OUR ABILITY TO OBTAIN NEW CREDIT AND A MORTGAGE. WE WANT THIS CORRECTED IMMEDIATELY AND TO BE RENUMERATED BY WHATEVER AMOUNT DUE FOR THIS HARDSHIP AND CREDIT INJURY.
Complaint sub-issue: Information belongs to someone else

I pulled my Equifax report on XX/XX/XXXX. I noticed there was a fraudulent inquiry on my Equifax credit report. The inquiry was on XX/XX/XXXX and the creditor/company was XX/XX/XXXX. I connected Equifax on XX/XX/XXXX informed them of the fraudulent inquiry and they created a dispute ( dispute # XXXX XXXX. The results came back that the inquiry is deleted. I reviewed my credit report on XX/XX/XXXX and noticed the " deleted '' inquiry was not removed. I connected Equifax on XX/XX/XXXX informed them of the fraudulent inquiry and they created a dispute ( dispute # XXXX XXXX. The results came back that the inquiry is deleted. I reviewed my credit report on XX/XX/XXXX and noticed the " deleted '' inquiry was not removed. I connected Equifax on XX/XX/XXXX informed them of the fraudulent inquiry and they created a dispute ( dispute # XXXX XXXX. The results came back that the inquiry is deleted. I reviewed my credit report on XX/XX/XXXX and noticed the " deleted '' inquiry was not removed. I connected Equifax on XX/XX/XXXX informed them of the fraudulent inquiry and they created a dispute ( dispute # XXXX XXXX. The results came back that the inquiry is deleted. I reviewed my credit report on XX/XX/XXXX and noticed the " deleted '' inquiry was not removed. I connected Equifax on XX/XX/XXXX informed them of the fraudulent inquiry and they created a dispute ( dispute # XXXX XXXX. The results came back that the inquiry is deleted. I have disputed this fraudulent 5 times and it came back deleted each time, however, it is still showing on my credit report. I attached my results from my XX/XX/XXXX results but I have provided all of the dispute numbers. I contacted Equifax on XX/XX/XXXX. First representative I spoke with I told them I need to speak to the Fraud department, instead of transferring me they questioned why do I need to talk to them. I finally got to someone in the fraud department and we never got passed verifying my information. The representative asked me my full name. I said XX/XX/XXXX XXXX XXXX. He asked for my date of birth and address. I provided him that information. Then he asked for my last name again and my middle name again. I asked him why do I need to restate that if I already provided that information. The representative transferred me to the survey line to give feedback on my call. So I did not get this issue taken care of. So not only was my issue not taken care of BUT I RECEIVED HORRIBLE CUSTOMER SERVICE!
Complaint sub-issue: Was not notified of investigation status or results

so i contacted this company about my credity report having false and misleading information on it and not only is the false items still on my report but also they have yet to respond to me and it has been like over 2 months. I dont know whatg i am supose to do if i have already wrote them and didnt get anything back.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Dear Sir or Madam, Please help me. I am a victim of identity theft, and I am being held responsible by Discover Card for {$5300.00} in purchases that I absolutely did not make. The fraud dispute process has failed. I have been fighting with Discover Card since XX/XX/XXXX, but every time I resubmit my claim, I get rejected with no explanation. When I call, I am told that I can not speak directly with a member of the fraud resolution team because they " do not accept phone calls. '' I want to exercise my rights under the Fair Credit Billing Act ( FCBA ). I first notified Discover Card of the fraudulent activity on XX/XX/XXXX. The charges were credited from my account, beginning on XX/XX/XXXX. I received correspondence from Discover that all unauthorized charges have been credited on my account. 

But on XX/XX/XXXX, I received a letter from Discover stating that they changed their minds, and that I was responsible for all charges. They placed all credited fraud charges back on my account! 

This is a violation of the dispute settlement procedures provided by the FCBA ( 161, sections A and B ). The FCBA settlement procedures apply to fraud or unauthorized charges, which I am disputing. Federal law states Discover must resolve the dispute within two billing cycles ( but not more than 90 days ) after receiving my notification of disputed charges. Discover failed to meet this timeline, and the law clearly states that any creditor who fails to follow the settlement procedure may not collect the amount in dispute, or any related finance charges even if the creditor finds the charges to be valid. 

My dispute was initiated in the XX/XX/XXXX to XX/XX/XXXX billing cycle. The dispute was not resolved within the next 2 billing cycles of XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX to XX/XX/XXXX. The disputed charges did not reappear back on our account until the XXXX billing cycle of XX/XX/XXXX to XX/XX/XXXX. Therefore, even if Discover believes these charges to be valid, ( which they absolutely are not ), under law, we are not responsible to pay the charges. 

I am attaching proof that the dispute began in the XX/XX/XXXX billing cycle, and the dispute was not resolved until 3 billing cycles later, in the XX/XX/XXXX billing cycle. 

I am also attaching the overwhelming evidence proving that the fraud charges were not authorized by me or anyone in my family. 

Thank you!
Complaint sub-issue: Reporting company used your report improperly

i sent a letters on XX/XX/2022. my tracking is as follows. ( XXXX ) ( XXXX ). to remove personal information that i do not want on my credit repoert. According to the fair credit reporting act 15 USC 1681. i have a right to privacy.

also act 15 USC 6802. it states that no financial institutions is not supposed to share my information to a thrird party people.

these are clear violations of my Federal protected consumer rights.
Complaint sub-issue: Information belongs to someone else

Fraudulant Inquiries, address, and credit accounts that I never opened. Address I never lived at. Someone is pretending to me and i need these accounts to be removed due to Fraud
Complaint sub-issue: Loan balance remaining after the vehicle is repossessed and sold

When I was sick with XXXX in the middle of the pandemic last year, and behind on my payments, PNC Bank repossessed and sold my commercial truck in clear violation of Georgia law OCGA, part 10-1-36 ( b ) that forbids them from selling the vehicle out of the county in which it was purchased, serviced, or repossessed. They were put on notice after the repossession that Georgia law required them to sell the vehicle at public auction in the county in which it was purchased, serviced, or repossessed. My every attempt to notify them of this by certified mail as well as telephone correspondence went completely ignored.
Complaint sub-issue: Information belongs to someone else

Discover Card Services closed my business account cc. They received a letter from some attorney in MI notifying them of taking control of an account. Discover closed my account in error. I contacted Discover and spent over XXXX  hour trying to convince them it was someone else. My credit dropped XXXX points. They realized it was their error and opened my account. My credit was lowered XXXX points due to their error. The following week my personal Discover card was also closed. Again, my credit score was lowered an additional XXXX points. I spent another XXXX hours on the telephone trying to get some assistance. Eventually my account was opened and my credit was still affected by XXXX points. I requested from Discover a letter copying me to all 3 credit reporting agencies stating they closed my accounts in error and that my credit was in good standing. I requested a formal letter of apology from Discover for my files. I have received neither. This occurred the week of XXXX XXXX. The error on Discover 's part and not of any of my own actions has caused a serious affect on my credit score. What can be done? How can my credit score be corrected? What is Discover 's responsibility?
Complaint sub-issue: Information belongs to someone else

Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2020, Enhanced Recovery Company added a derogatory mark on my credit report per XXXX XXXX, Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say it's mines. According to the FCRA, Enhanced Recovery Company has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

I have filed a complaint with CFPB on my Equifax credit report, and my complaint # is XXXX. I have recieved an email from CFPB that Equifax has responded to my complaint and they have closed the complaint. 
The equifax says that the hard inquiry that I complained about is not reporting on my credit report. But, today, I got my Equifax report online, and the hard inquiry is still there! 
I don't know how they have made the mistake!
Complaint sub-issue: Account status incorrect

Im disputing factual data based on information from my credit monitoring service. The company in question is XXXX XXXX, it is the duty of the credit bureaus to report accurate & correct information Equifax : The account type is blank & date last paid is inconsistent with the data against XXXX & Equifax. Its also showing blank information for the account type for the but the other XXXX bureaus have information, in addition the credit limit is blank. This needs to be deleted XXXX : There is no high credit balance listed on the report but there is XXXX with the other XXXX bureaus. Please delete as this is incomplete & inconsistent with whats being reported XXXX : The date that the account was opened doesnt match the other XXXX reporting bureaus. Please delete
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I contacted XXXX XXXX, via Vertified USPS ( XXXX ), on XX/XX/XXXX, to dispute an alleged account and the balance, and ask I only be contacted, via USPS Mail, and XXXX XXXX, cease communications. XXXX XXXX, received my request, XXXX, XXXX, XXXX. 

Then on XXXX, XXXX, XXXX, I was contacted by a XXXX XXXX, with Alltran, in regard to the above referenced account, who left a voicemail message on my telephone, in spite of requesting this debt be validated within thirty-days, and XXXX XXXX, cease and desist communications regarding this alleged account. 

I never received any mailings in regard to my dispute within thirty-days of my request. 

Please see the attached documents ( validation letter ), receipts, and voicemail recording from XX/XX/XXXX.
Complaint sub-issue: Fees charged for closing account

I had a checkings account with Comerica bank which I opened due to a promotional coupon. 
I tried several times to use online transfers but I didn't receive the original account number even after opening it online. 
I got a debit card but couldn't activate it. 
Due to so many issues, I requested to have the account closed. 
The account stayed opened and incurred in a fee for not having a direct deposit set up anymore. 
Most banks even offer a waived fee for such issue for the first occurance. The original fee was lower than the {$69.00} requested. 
But instead they send the fee to collections agency, XXXX XXXX XXXX XXXX and are damaging my credit.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have attached an FTC report with inquiries I did not authorize and need to have them deleted. I have also attached accounts which all have errors and need to be deleted please also update my personal information
Complaint sub-issue: Didn't receive enough information to verify debt

I have disputed this debt with recovery one llc on XX/XX/XXXX. I requested a validation of the debt. I never received a response. I again sent a certified letter on XX/XX/XXXX. I did not receive a response again. I contacted all 3 credit bureaus with the dispute. It was removed from my XXXX  credit report. I sent another certified restricted letter to recovery one llc for debt validation on XX/XX/XXXX. I still have not received a response.
Complaint sub-issue: Company closed your account

I opened a Discover online banking account with a bonus offer ( up to 200 USDs ). However, after I deposited XXXX USDs from my XXXX XXXX check, my account was suspended without telling my any concrete reason. 

Then I called Discover banking customer service twice to reactive my account. However, I was told that my account was closed ( instead of suspended! ) and they could not tell me the reason. 

What is worse, I tried to open the online banking account again. However, I found that I could not use any bonus offer code this time because the system indicated that I opened a similar account before ( though this account has been closed by Discover ).
Complaint sub-issue: Didn't receive enough information to verify debt

Good afternoon, I have been trying to pay off this debt for years with CITI/CBNA.. however the number provided is XXXX XXXX with no information on me.. i have called citbank multiple times and other companies and noone has my information XXXX have disputed this accounted multiple times to get a phone number or better information to comtact these people with no situation solved and this continues to affect my credit and this is not fair.
Complaint sub-issue: Account information incorrect

CFPB Write up In accordance with the Fair Credit Reporting act 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
Complaint sub-issue: Information belongs to someone else

I have ask Equifax to delete this account because it was open by fraud they have yet to remove it this account has hurt my good name and my business.
Complaint sub-issue: Account information incorrect

I had a loan with XXXX XXXX, XXXX XXXX which was opened on XXXX of XX/XX/XXXX and closed on XXXX. I had written the bank a letter as I was instructed to do by a bank officer, informing them that I was going to be admitted to the hospital in XXXX thru XXXX of XXXX to begin a operation on XXXX XXXX then the second one will be done on may thru XXXX of XXXX. I felt that the bank would had honored their commitment since that they were informed in writing but to my surprise I was sadly mistaken that the missed payments show up on my credit report for the times that I was hospitalized. I have been asking the bank to be responsible and correct the mistake or have it remove from my credit report altogether but instead they removed the account with the perfect payment history and left the derivative one that they should have fixed. I am very sad and heartbroken that a banking institution of this magnitude would not do what is right. I am hereby asking the bank to correct its mistake so that I can move forward.
Complaint sub-issue: Threatened to sue you for very old debt

I was contacted XX/XX/2021 by a company that told me their name was XXXX. They said that they were attempting to collect a debt for a pay day loan company called Money Mart. Also, on XX/XX/2021 this company contacted my mother. I never gave This company XXXX any authorization to contact any of my relatives. They spoke with her in a manner leading her to believe that I was in serious legal trouble or trouble with the authorities. The company XXXX told me that they did not have a website or an address. I feel really uncomfortable deal with a company that can not or will not give me information to verify them. I also dont like that they called my Mother without authorization from me to contact a relative.
Complaint sub-issue: Investigation took more than 30 days

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 


XXXX ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Name : XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX EMPLOYER : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XX/XX/XXXX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Equifax ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER XXXX XXXX XXXX XX/XX/XXXX Inquiries : XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Complaint sub-issue: Don't agree with fees charged

XXXX XXXX XXXX is attempting to collect on behalf of XXXX XXXX Student Loan XXXX XXXX for a remaining balance reported to them by American Education Services of XXXX loans. This balance has been accruing interest for almost 9 yrs without my knowlege or notification of a past due or outstanding payment. These loans were both paid in full on XX/XX/XXXX through a consolidation loan I received from XXXX XXXX ( now XXXX ). Original loan documents as sent to me by XXXX are attached showing paid in full.
Complaint sub-issue: Personal information incorrect

On my credit report it states I was living at a property before I was born. It has the dates I lived at this property wrong and have also attached a person I have know knowledge of an attached this time to the address I have previously lived at but at the wrong date as I previously stated 3 years before I was born.
Complaint sub-issue: Information belongs to someone else

I am very upset over the credit report I recently received! This is totally out of control. This is a written request that you investigate specific items that I believe to be reported in error. 

These items are not correct and are causing me financial and emotional distress because of their derogative nature. 
I don't know where you got the following accounts.