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

At the end of XX/XX/XXXX, I experienced a travel delay in which I was stranded overnight in XXXX, FL from XX/XX/XXXX until XX/XX/XXXX. I contacted the number on the Citi Premier card to confirm the travel delay benefits. I charged expenses to my card and then submitted a reimbursement claim on XX/XX/XXXX. The benefits company, XXXX XXXX, requested documents sent through email. I spoke with a representative on or around XX/XX/XXXX by phone who informed me a reimbursement decision would be provided within 2 weeks. I sent all relevant documents to the email. I followed up by phone approximately 4 times between XX/XX/XXXX and XX/XX/XXXX requesting an update on the reimbursement. around XX/XX/XXXX, I called citi as the reimbursement was not made, and the monthly payment was due. I informed XXXX ( ref : XXXX ) that the reimbursement was not made, and I was paying the difference ( {$440.00} ) between the reimbursement amount ( {$1000.00} ) and the statement balance ( XXXX ). She informed me I could call back once reimbursement was made to confirm the interest on the remainder would be refunded through the reimbursement. On XX/XX/XXXX, I was refunded XXXX. Since this was far below the {$1000.00} requested, I called the benefit company on XX/XX/XXXX to enquire why the full amount requested was not refunded. At this time, I was given several different excuses. I reviewed the terms of the benefit, and then called back. Then the representative informed me he made a mistake and the cost of the hotel XXXX was not reimbursed. He reported the receipt was never received although I sent it to the email provided on XX/XX/XXXX. I then sent in the email again on XX/XX/XXXX. I was informed the decision would be made within 2 weeks. I called Citi billing department on XX/XX/XXXX or XX/XX/XXXX to request refunds on the interest charged and the late fee applied during the months in which the citi benefits did not reimburse the money within the provided time frame, 2 weeks, or in the amount requested as they claim they did not receive documentation which was sent to them. The citi billing department refunded the interest fees, but they did not refund the late fee {$25.00}. They informed me I would need to request the late fee reimbursement from the billing department. On XX/XX/XXXX, I called the benefits department to check the status. I was informed by a representative that the documents were received, but that a new claim was never open. She, XXXX, informed me that on XX/XX/XXXX the documents were received, but a claim was not opened, and I would not receive any reimbursement without opening a new claim. This is in stark contrast to what I Was told on XX/XX/XXXX. She also informed me no late fee would be reimbursed despite the fact that the money was requested on XX/XX/XXXX, not paid within 2 weeks as quoted, not paid in the full amount requested to satisfy the balance all due to Citi 's mismanagement. She has informed me that I will receive a decision within 2 weeks from XX/XX/XXXX.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

Debt Collection company Americollec t Inc  Loan agency in  XXXX , Wisconsin Address :  XXXX   XXXX   XXXX   XXXX ,  XXXX , WI  XXXX  On Monday   XXXX /17    at   XXXX   XXXX   the Company called Americollect Inc. and left a voice message on the Federal Bankruptcy Courts office line. They only identified themselves as a debt collection company with no other identifying information. This company called the previous Thursday    XXXX  /17    at  XXXX  in which I informed them to remove the number from their list. On Thursday    XXXX  /17    I was informed they would remove it and not contact the  Federal  Bankruptcy  Court  again but they did not obviously. I once again have told them to remove the  Court 's  Number but also informed them I would be filing a complaint.
Complaint sub-issue: Information belongs to someone else

I 've recently been noticing my credit score going down. Today I got a full report and it shows that there is a XXXX XXXX account that belongs to my father under my name. We have the same names, I understand how this happened but it should n't of happened because whoever inputted the data should of properly done their job and looked at social security numbers instead of our names. Please take the necessary actions for this account to be taken off of my record. Thank you.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

To whom it may concern, The reason for this letter it to dispute an unauthorized inquiry on my credit report. I retrieved a copy of my credit report and discovered inquiries that I have no knowledge of. 

Because I did not apply for credit with the lender and/or creditors below, I have also reached out asking that they remove the inquiry from my credit profile. 

Please launch an investigation into the inquiries to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 

If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if the below lender/creditors are able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 

Thanks in advance for your prompt attention to this matter XXXX XXXXXXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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  XX/XX/2021
Complaint sub-issue: Information is missing that should be on the report

Equifax Confirmation Number XXXX had the specific as folllow : Dispute Summary Type Name/Account Details Reason XXXX XXXX XXXX XXXX XXXX, SURPRISE This is not my address ; it belongs to a Address, AZ XXXX relative or another person with same/similar name. Confirmation number : XXXX Equifax broke FCRA act by adding to Mr. XXXX record that unthorized address as described above in that Equifax online dispute confirmation XXXX. Moreover Equifax deleted a longtime address of Mr. XXXX which is : XXXX XXXX XXXX XXXX XXXX XXXX   XXXX va XXXX. Equifax falsified Mr. XXXX Record That It administers in violation of law. Other violations committed as Record will bring the allegations stated else where in details and Equifax with intentional recklessness refuses to clear the mess it caused in Mr. XXXX Equifax credit report and instead insisted to continue with intentional recklessness to cause more irreparable and imminent damages and losses to Mr. XXXX. Equifax you are going to be sued. End.
Complaint sub-issue: Their investigation did not fix an error on your report

To whom it may concern XXXX XXXX XXXX a natural person, consumer and original creditor pursuant to 15 USC 1692a demand you to remove all late payment ( s ) from Account XXXX. Be advise pursuant to 15 USC 1666b ( a ) ( b ). A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
( b ) GRACE PERIOD If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

Also pursuant to 15 USC 1602 ( i ) ( m ) ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
( m ) The term accepted credit card means any credit card which the cardholder has requested and received or has signed or has used, or authorized another to use, for the purpose of obtaining money, property, labor, or services on credit. 


I am notifying you in writing that I would like these late payment ( s ) removed immediately. I am also demanding that you reframe from ever reporting another late payment ( s ) future wise. I hope that you comply and that this issue will be resolved and handled here amicably
Complaint sub-issue: Debt was result of identity theft

Boost Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX //www.boostfinance.comXXXX   Boost Finance called me trying to collect money for an account that was opened as of Identity Theft. You will get a call from XXXX. The number you reach them at XXXX and the give you a claim number and state that you can pay them over the phone and that they would close out the account. Would not close out the account over the phone. Tried to serve me legal papers through a carrier. XXXX Male as I captured him on my XXXX  doorbell camera. XXXX was the person on the phone. Also associated with XXXX debt collector attorney.
Complaint sub-issue: Information belongs to someone else

I have been i victim of identity theft and these companies are affecting my credit report. 

XXXX XXXX  credit card opened XX/XX/XXXX, balance {$540.00} The XXXX XXXX XXXX  balance {$0.00}, opened on XX/XX/XXXX. 

XXXX, balance {$0.00}, opened on XX/XX/XXXX XXXX XXXX XXXX XXXX {$95.00}, opened on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, balance {$1600.00}, opened on XX/XX/XXXX Complain has been filed at identitytheft.gov see attached file.
Complaint sub-issue: Account information incorrect

While checking my personal credit report, which I acquired from [ XXXX, XXXX, Equifax ], I noticed an inquiry made by : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX. on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX -XXXX, XXXX XXXX XXXX XXXX XXXX, SD XXXX  on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX -XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX. on XX/XX/XXXX I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity. Mail it to the address listed above. 1. ( a ) Verification.Your claim must be verified to prove the validity, by presenting the alleged obligation under oath or notary seal, and signed by an Officer of ( ), under penalty of perjury as to accord with impartiality honesty and integrity. 2. This is an un rebutted statement of facts.Your response is not required, however if you fail to rebut these statements within ( 5 ) daysthen it shall certify your consent, assent, and agreement to the statements as true, correct, complete, and not misleading. 3. Additionally all further communications to our office shall be made only by an Officer of ( ), signed in Ink, including the Title and Name of individual verifying the data and affirming its accuracy and authenticity. Please cease and desist all communications that are not signed in accordance with the provisions made herewith. The failure to do so constitutes a prejudice to my rights and is damaging to me. Therefore, should we continue to receive unsigned communication from your office, it shall constitute your agreement to compensate us for this predetermined sum of {$10000.00} per document. 4. Please be advised that if this debt isnt verified according to the Fair Debt Collections Act.You must delete this recording from my credit reports. As it is that I am willing to contact the Federal Trade Commission, Report you to Both The Council of Better Business Bureaus and Consumer Financial Protection Bureaus as I am very much inclined to file a lawsuit if this matter is not immediately resolved. If you can not provide me with proof that I authorized you to view my credit report then I am demanding that you contact the credit bureaus immediately and have them REMOVE/DELETE the unauthorized hard inquiry immediately. I also request that you remove my personal information from your records. Please send me a written confirmation that you have complied with my requests. Your failure to comply with my requests within five ( 5 ) business days will be my evidence used in Federal Court of your willful noncompliance [ 15 U.S.C. 1681n ] and I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees.
Complaint sub-issue: Was not notified of investigation status or results

Hello, I am writing because, I sent these companies letters for over 2 months disputing what they have on my credit report and the amount that some companies are saying I owe them and I still have not received any corrections to my account. They had a time to respond and they didn't and it should be removed. Also all 3 credit bureaus are not even reporting the same thing and is doing an injustice to me. please help me clear this up because what they are doing is unjust and wrong.
Complaint sub-issue: Didn't receive enough information to verify debt

Enhanced Recovery Company had received the debt from XXXX and placed on my credit report XX/XX/20. They sent bill to my address claiming I have debt. Call received from ERC immediately requested validation of said debt which I never received. I requested validation on their website XX/XX/20 and never received and they continue to call and or send bills. I also requested validation of debt on XXXX XXXX and haven't received it.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$1800.00} XXXX  XXXX Balance : {$590.00} XXXX XXXX  XXXX Balance XXXX {$8100.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX  XXXX XXXX XXXX Balance XXXX {$0.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

fact, I the affiant is aware and have proof that Equifax has and definitely continues to violate my consumer privacy rights. I the affiant during my personal investigation, observed 24 violations and counting on my consumer credit report. XXXX continues to be in violation of 15 U.S. CODE 1681 ( A ) ( 4 ), 15 U.S. CODE 1681 ( A ) ( 2 ), 15 USC 1692 ( D ) ( 1 ) ( 3 ) 15 USC 1681 ( A ). Even after being informed that the information was in fact incorrect and should not have be placed on there. Due to XXXX willful and gross behavior ; I have been reputedly violated and as a result of XXXX negligence, I have been Injured numerous times. The injuries include but are not limited to being denied credit, My valued reputation has been utterly disgraced and ruined, loss of business income, XXXX, and XXXX XXXX
Complaint sub-issue: Debt is not yours

This company has been reporting unverified and inaccurate information about me to the credit bureaus. 
I have formally requested a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay them the alleged amount and they have failed to provide such verification ( As per FTC opinion letter from Attorney XXXX XXXX XXXX, they have been made aware that a printout of a bill or itemized document does not constitute verification ). 

In addition, I have formally disputed this derogatory account with this company and they have failed to place the required " notice of dispute '' disclosure within the required 30-day period and did not furnish the credit bureaus with the required disclosure, within the period required by law. I have retained a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period and I am now considering small claims action against them for their violations as well as for defamation and negligent enablement of identity fraud.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXXXXXX 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 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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Public record information inaccurate

The account was paid in full on XX/XX/2019. 
The creditor was awarded a judgement for garnishment against me on XX/XX/XXXX. 
They left the account open and didnt start the garnishment until XXXX. 
I paid it off in full XX/XX/XXXX. 
They reflect the account as still being open and being in bad standing. 
They never reported the judgment or the payment. 
And the charged me over what judgement was.
Complaint sub-issue: Information belongs to someone else

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Complaint sub-issue: Information is incorrect

my information is reporting all wrong and i need it fixed ASAP from my name ti my address to my insurance information i need info removed and reported correctly also i do not want my personal information searchable or posted online basically shared to nobody
Complaint sub-issue: Information belongs to someone else

I was looking over my credit file and I found out that I have a few fraudulent accounts reporting the I never opened up. My full name and current address are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX DOB XXXX SS XXXX The following SS # is not mine XXXX please delete it! 
The following addresses are not my I do not live at the following : XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX I am currently Self Employed. Please remove the following employers : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Received bad information about your loan

I applied for the Public Service Loan Forgiveness 3 times and was denied each time. My loans were held by XXXX at the time. They said I didnt have the right kind of loans, but I was never advised to consolidate them into a direct loan and was never told why my loans didnt count. I gave up after the XXXX attempt/denial and consolidated the loans last year with a XXXX/Mohela in order to pay them back. I have worked as a physician at a federally qualified health center for 11 years and at the VA for one year. This year, I believe I would have qualified for the PSLF program had I not been given horrible advice last year from the federal governments educational loan department. It cost me {$34000.00} at the minimum.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Credit inquiries are the most common ways a bad actor, hacker, impersonator, or other entity uses to gain inappropriate, illegal, unlawful, unauthorized, and credit without resent. There has been a warning on my report to not approve such things. My credit report with Equifax is a complete mess, full of inaccuracies, and they have chosen not to deal with it. This is unacceptable. Any fraudulent, illegal, illicit, unlawful, inappropriate, unauthorized, no consent, no permission from myself, XXXX XXXX XXXX is not considered a valid reason to grant credit, credit access, credit inquiries, and other things. These entries should and shall be removed. 

I have been locked out and I am unable to have my account restored, even though I am paying a monthly subscription fee to Equifax. I can not get access. My score reports back as "? '' and everything is hidden, unavailable, or technical errors pop up. I have talked with Equifax many times, I have verified myself over the phone, they have acknowledge they are in receipt of my unlock requests, yet, I still can not gain access to my account, credit report, score, or any other credit related information. I am 100 % locked out and I can not do anything about it and Equifax refuses to resolve the issue,
Complaint sub-issue: Account status incorrect

I have two accounts that are closed and I would like to have them removed from my report. I have tried to dispute them with the reporting agency and they have yet to respond to the accuracy of these accounts still being on my report.
Complaint sub-issue: Reinserted previously deleted info

Equifax has reinserted previous unverifiable negative accounts on my file. I have send dispute letters showing negative accounts that have re-aged history, recent payments, schedule payments on accounts that have been close or sold.
Complaint sub-issue: Information belongs to someone else

There are accounts listed on my credit that I don't recognize not does it belong to me. Please remove them.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

They repeatedly call and when we answer they hang up. I call back the number from my caller ID and when I finally get someone on the phone and tell they to stop calling they say they have no history of calling our number, even though I tell them I got their number off of my caller ID right before I called them. I tell them to stop calling, they say they didn't and then they call again and again and again, and then I call them back and tell them for the umpteenth time to stop calling, yet they will call back later or the next day.