Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem getting my free annual report

After I filled out the questionaire, Equifax denied me access to my free credit report, asking me to mail in my request with personal information. I answered those questions truthfully, and I was denied access. If someone has been fraudulently using my identity, I should n't have to put myself even more at risk by sending a letter with my SSN via the mail. That 's completely ridiculous.
Complaint sub-issue: Information belongs to someone else

Equifax is reporting fraudulant accounts on my personal credit file/bureau. 
I have been in contact and provided police reports and notarized FTC AFFIDAVIT, Accounts are the result of identity theft,.
Complaint sub-issue: Investigation took more than 30 days

Recently I have noticed some incorrect information on my credit report. I have reached out to XXXX, XXXX, and Equifax for more information but sadly have not received any response at all. It has been more than XXXX days since I originally wrote them.
Complaint sub-issue: Trouble with how payments are being handled

For nearly 3 months I have been dealing wit h Fedloan to try to change my income-driven repayment plan from IBR to PAYE . On numerous occasions I have been given incorrect information which has delayed the process, and has kept me in forbearance when I should be making payments. In general, the customer service representatives seem to be completely uninformed about their own policies. I have called in multiple times in a single day, getting a different answer from each customer service representative that I speak to. Once I was told they would mark my account for " expedited review '' since it had been so delayed. I called back the same day and was told by a different person that there is no such thing as " expedited revi ew '' at Fedloan. Now a fter 3 months, I 'm finally to the point in the process where I can pay the mandatory one-time reduced payment of {$5.00}, so that I can enter my new income-based repayment plan ( online calculator says I can expect to pay about $ 400 /mon  th  ). The bill for the {$5.00} was posted to my account on  X/XX/17   , and I paid it on  X/XX/17   . On  XXXX , I then got a new notice from  Fedloan  that my next bill is due   XX/XX/XXXX ,  in the amount of {$3900.00}. I called to ask how that amount is possible, and was told that I " paid the {$5.00} bill too early, and should have waited until  XX/XX/XXXX . '' I asked to speak to a manager, but no managers were available. I was never told to wait until  XX/XX/XXXX  to pay the bill, despite having many conversations with multiple Fedloan customer service reps about it. Nothing on the bill said to delay payment until  XX/XX/XXXX . My online payment went through and was taken out of my account immediately, and I received a confirmation of successful payment. Why would n't they delay the transaction until  XX/XX/XXXX  if that was required? They have my {$5.00}, I just want them to apply it appropriately and let me start my PAYE repayment plan.
Complaint sub-issue: Filed for bankruptcy

On XX/XX/2019 I cancelled my auto-pay with US Bank. I did it myself online and just to make sure it was done correctly, I called US Bank customer service to at XXXX. I was assured all future auto-pay was cancelled. Come to find out that US bank still took {$170.00} on XX/XX/2019. I again called US bank 3 times on XX/XX/2019 - asked why they had posted a payment on my account when I no longer have auto-pay and I certainly didn't make any one time payment myself. US Bank submitted a refund request and when I called XX/XX/2019 to inquire about the refund - I were told that the refund was declined due to being over the limit. US Bank explained to me, that the only way I can get my money back is to file a dispute with my bank - I have done so. I am not sure it's a guarantee that I will get my money back. US bank " stole '' {$170.00} from. That money was never authorized to be pulled from my account.I am also filing a police report against US Bank for theft. 

My husband and I are in the process of filing chapter XXXX bankruptcy, so I cancelled auto-pay on all credit cards in my possession. 

XX/XX/2019 @ XXXX XXXX I requested all future auto-pay to be removed. 

XX/XX/2109 2 reference # XXXX ( XXXX @ XXXX XXXX ) and XXXX ( XXXX @ XXXX XXXX  ) I also made a call in between these to timestamps, but call was disconnected. I spoke to a lady named XXXX XX/XX/2019 Called @ XXXX XXXX  ( XXXX ) Called @ XXXX XXXX ( Think his name was XXXX or XXXX ), was so XXXX that I didn't pay attention - both supervisors.
Complaint sub-issue: Information belongs to someone else

credit company combined my file the XXXX data breach has cause me so much harm please get these ftc violation off my report
Complaint sub-issue: Other problem

Citi closed my account in XX/XX/XXXX and make it active now without my knowledge. 
Citi closed my credit card ( Citi Double ) in XX/XX/XXXX. When I reached out to Citi about the account closure, I was told it was due to inactivity. I complaint about not being notified and was told a notice was sent to my old address in XXXX. Citi indicated that I have just moved in XX/XX/XXXX and never received the notice. Citi informed that that there is nothing could be done about the closure. 

Citi Double continue to show up in my online banking as " closed '' account and I did not remove it from my online banking account. On XX/XX/XXXX, I received a notification that a Citi account on my Transunion credit report was recently listed as closed. When I logged in to my Citi online banking, the account is no longer " closed '' and there is a statement generated. 

I reached out to Citi on XX/XX/XXXX about the account and voice my concern that a closed account becomes " active ''. And I was told the account is " open ''. After I explained that the account had been closed for over a year, I was told Citi will look into it and get back to me. 

Attempts to reach Citi by " chat '' function leads to no where. 

I showed up for a in-person appointment in Citi on XX/XX/XXXX in an attempt to understand/resolve issue. The banker dialed Citi credit card and the representative continue to insist that the account was never closed as " it is illegal to re-open the account '' without my input. Citi customer representative insisted that the lack of e-statement for credit card is not proof that the account was closed. I requested that the account be closed during the phone call. During this conversation, I was told by the customer service representative over the phone that it is possible that the account was " suspended ''. But the account was absolutely not closed as to re-open the account, it involves pulling my credit and Citi absolutely did not do that.

Even though Citi Card denied the account was ever closed, an inquiry into my Transunion credit report on XX/XX/XXXX, under 19 changes to my report, two regarding my Citi Double card. 

1. Between XX/XX/XXXX and XX/XX/XXXX, you made 8 out of 8 payments on time ( or didn't have a balance to pay off ) 2 Under updated account information, CITICARD CBNA, it is noted that " Between XX/XX/XXXX and XX/XX/XXXX, the following remark was removed ( bolded ) from the account : Closed
Complaint sub-issue: Their investigation did not fix an error on your report

On my wifes and my credit report the bank reported us 60 days late on equifax for the month of XXXX for both of us as it is a joint account. I reached out to XXXX XXXX XXXX XXXX where XXXX XXXX said this was incorrect and would be correct and still to this day no avail as to a correction. He also asked me to send him a report showing where it was showing this and still no fix. I am requesting this to be removed completely as it was never paid late.
Complaint sub-issue: Other problem

I recently received a letter XXXX dated XXXX XXXX, XXXX ) from XXXX XXXX XXXX informing me that I was being automatically upgraded from a XXXX XXXX to a XXXX XXXX unless I opted out by XXXX XXXX. It took XXXX minutes online ( website refused my card information which was copied directly from the card and then technical support tried to tell me that the website in the letter was the wrong website ) and on the phone to opt out XXXX which I successfully did XXXX. My issue is that I do n't believe companies should be able to unilaterally change a credit card from XXXX type to another ( from a store card to a XXXX XXXX and require consumers to opt out. I think the company should make the offer and let consumers opt in.
Complaint sub-issue: Other problem getting your report or credit score

In XX/XX/2017, I applied for a loan but my bank was unable to pull my credit from Equifax. I thought it was because I had previously frozen my credit. I could not get the pin in time for the loan and in the end, they did not need to access it. I recently applied for a credit card and the credit agency asked me to lift the freeze on equifax. Having never received the pin, I sent in a request. Equifax has reported back to me that I have no file with them at all. I know this can not be the case because I was told that it was frozen by Equifax and because I have previously received an equifax credit report. I need help gaining access to my account at equifax. I have heard that I might have a split file that is causing this problem.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Complaint sub-issue: Credit inquiries on your report that you don't recognize

in accordance with the Fair Credit Reporting act 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 XXXXXXXX has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 ) days late in XXXX, 2020 on the XXXX XXXX  - partial account numbers XXXX. ( Please see pages attached from my credit report. ) I talked with the supervising manager of XXXX XXXX, her name was XXXX XXXX, and she verified to me that this account was in good standing and that there had never been a missed payment. She assured me that this late was reporting in error and that this late would be removed from my credit report. This false reporting of a late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX and i am submitting this complaint without any influence from a third party or Agency. Please see attached Documents and ID as it contains my full complaint and request.
Complaint sub-issue: Attempted to collect wrong amount

On XX/XX/2022, I spoke to a XXXX from XXXX XXXX XXXX XXXX regarding monthly charges that were being automatically deducted from my checking account for an alleged debt to Loan Me. I authorized her to take a ONE-TIME payment of XXXX and requested that they provide me with an accounting of any and all payments made on this alleged debt as well as the original paperwork from Loan Me. Once this was received by them, I would be able to confirm what was actually paid or owed. Instead, I received a simple XXXX spreadsheet showing payment to them ( XXXX XXXX ) rather than all payments made on the loan. When XXXX called me this past Tuesday, XX/XX/2022, I explained to her that although I received the email from them ( sent by an XXXX XXXX who I have never spoken to nor do I know ) I had not had an opportunity to look at it yet. Now today, they have resume UNAUTHORIZED debits in the amount of XXXX} from my checking account. I have already reported this to my bank as fraud.
Complaint sub-issue: Information belongs to someone else

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Balance Owed : {$530.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$940.00} ; XXXX XXXX Balance Owed : {$5400.00} ; XXXX, XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

XX/XX/2022 tried to resolve with Discover and XXXX XXXX same item, unauthorized charge! XXXX XXXX investigated and reversed the charge balance XXXX. Discover at my request dropped charge, after the claim investigation, but kept adding charge back XXXX, 2022 to present XX/XX/2022. Now they are adding fees of {$29.00}! 
Discover card cancelled by me XX/XX/2022. Every month I get a statement with an account number ending # XXXX. I opened a survey XXXX which turned out to be a scam! Original charge was {$54.00} ( approx. ) now it totals {$85.00}.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Citibank filed suit against me in XX/XX/XXXX/XX/XX/XXXX ( despite my previous offers to pay a portion thereof ). Case went to trial XX/XX/XXXX. Ended in Judgment granted against me XX/XX/XXXX. In XX/XX/XXXX, I received from Citibank a XX/XX/XXXXForm XXXX ( Cancellation of Debt ) as to the account number sued upon in the previously mentioned lawsuit and in the amount verified in said lawsuit. The XXXX XXXX Identifiable Event Code " G '' was given : " Decision or policy to discontinue collection. '' I filed my paper copy of my XX/XX/XXXX tax documents via regular mail sent from my home on XX/XX/XXXX. I paid my taxes due with a Direct Pay transaction on the IRS 's website, including taxes on " earned income '' represented by the XXXX Cancellation of Debt. Then on XX/XX/XXXX I missed a telephone call, ending in a voice mail message from " XXXX, '' asking me " again '' to call him at XXXX ( but which shows up on my prepaid phone as XXXX ). He didn't state what company he was calling on behalf of or what his call was about. I figured it was a personal telephone call, and he had dialed the wrong number. So I called him back to tell him he had the wrong number ( and he was wasting my prepaid minutes ), but a woman gave me my first and last name. After that I didn't understand 98 % of what she said as she had a thick accent. When she mentioned a dollar amount, I told her " Goodbye. '' Now I'm filing complaints with my state 's Secretary of State, the FTC, here at Consumer Finance, and with the SEC or anyone else I can file a complaint to. If this call was from Citibank, their right hand doesn't know what their left hand is doing. If this call was from a third-party vendor or even sold to another company, doesn't Citibank have a responsibility to share with them the filing of a XX/XX/XXXX Form XXXX?
Complaint sub-issue: Investigation took more than 30 days

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account of {$16000.00}, {$4100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$16000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4100.00} -This is not my account.
Complaint sub-issue: Their investigation did not fix an error on your report

have filed a dispute regarding public records that don't belong to me and they have refused to remove them. The courts don't verify accounts or report anything to the credit bureaus. The credit bureaus are getting this information via a third party who gets their information from public records that may have incorrect information, I have also disputed inquiries that t weren't permissible and the bureaus are refusing to do an investigation but yet want me to contact the reporting companies. According to the FCRA that isn't my job but the credit bureaus and if they can't be verified they must be deleted. The bankruptcy does't belong to me and any account reporting as such needs to be deleted. Lexisnexis is a third party reporting agency and obtains their information from public records and that information can't be verified and must be deleted.US BKPT CT XXXX XXXX XXXX XXXX. I will upload a letter from Lexisnexis that verifies that the bankrupcy should be deleted as they are a third-party and the courts don't provide any information and Lexisnexis has verified the information is not valid.
Complaint sub-issue: Didn't receive enough information to verify debt

I have no idea who this company is. I didn't receive enough information to verify the debt.
Complaint sub-issue: Account status incorrect

hello to whom to may concern i had autopay with discover bank and for one reason or another payment didn't get deducted and a late payment was reported in XX/XX/2021. i reached out to discover and they assured me that the late payment was reported by mistake, due to autopay not working and discover agreed to remove late payment from all credit bureaus. I spoke to XXXX from discover on XX/XX/2021 at XXXX XX/XX/XXXX pst, she discovered the mistake on there end and assured me late payments would be removed and even put it on her notes I confirmed this with sue from discover on XX/XX/2021 at XXXXXX/XX/XXXX pst. i even spoke to both of there supervisors and they also confirmed this.
Complaint sub-issue: Reporting company used your report improperly

TIME OUT!!! WAIT A MINUTE!!! This is my XXXX attempt at respectfully trying to achieve a lawful resolution to my situation. I've asked on XXXX occasions to have an investigation of an item that is reporting inaccurately on my credit report removed. My complaint was closed ( XXXX ) as the company MOBILOANS , LLC is using a stall tactic claiming that I am using a XXXX party to submit this request and that additional authorization is needed. I am reopening my case offering my statement as proof that no such XXXX party exists in submitting my dispute. I've recently received notification from this credit reporting agency that the inaccurate information on my consumer report continues to report as being verified. There is NO WAY that this can be true. I am invoking my rights per the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D for the credit reporting agencies to PROVE that they have actually DONE an investigation and not just submitted a response per a computer-generated document. These erroneous entries are detrimental to my overall credit rating and have caused me severe financial and emotional distress. This complaint is not being submitted through a XXXX party and by NO MEANS are there any additional authorizations needed for my inquiries to be addressed. I immediately demand that the entry that I have disputed be permanently deleted from my consumer report as it is reporting incorrectly. Should MOBILOANS , LLC refuse to do so, I will have no choice but to continue invoking my rights under the Fair Credit Reporting Act, Section 616, to pursue legal action to make me whole.
Complaint sub-issue: Information belongs to someone else

checking my credit profile I've noticed alot of invalid information on my credit report. I am interested in disputing all incorrect information from my Equifax credit report.
Complaint sub-issue: Problem using a debit or ATM card

On XX/XX/2022 I made a purchase at XXXX 's XXXX  in XXXX at about XXXX. Immediately afterwards I received text messages showing that transactions for : ( 1 ) {$100.00} XXXXAtm withdrawal - XXXX XXXX rejected for wrong Pin. XXXX, NY. 
( 2 ) {$180.00} -Atm withdrawal - XXXX XXXX - rejected for insufficient funds. XXXX, NY. 
( 3 ) {$82.00} -Atm withdrawal - XXXX XXXX XXXX rejected for insufficient funds. XXXX, NY. 

I immediately checked my bank account and found that 3 unauthorized transactions had gone through : ( 1 ) {$100.00} + {$2.00} ATM fee at XXXX XXXX in XXXX NY. 
( 2 ) {$100.00} + {$2.00} ATM fee at XXXX XXXX in XXXX NY. 
( 3 ) {$100.00} + {$2.00} ATM fee at XXXX XXXX in XXXX NY. 
Totalling {$310.00} in unauthorized transactions. 

I immediately emailed my bank ( Albert ) and they told me there was nothing that they could do until the transactions settled. Next, I froze my ATM card. On Sunday XX/XX/2022 The transactions settled and I filed a dispute. Albert 's " XXXX  '' ( that's what they call their employees ) concluded incorrectly that the charges were legitimate. 

I asked them to reconsider their findings because I would have had to be in 2 places at once in order to make transactions in XXXX at XXXX and XXXX at XXXX. They closed the investigation and told me that they would not be crediting my account.