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

On XX/XX/XXXX, I paid {$1900.00} with my Citi Rewards credit card ending XXXX for a plumbing job. I had contracted XXXX XXXX from XXXX XXXX XXXX for a plumbing job. XXXX was backing up every time I turned the water on in the basement. XXXX went over the house to investigate and informed me that the lateral line to the mains had burst and the ground needed to be excavated to replace the pipe and curb trap. The job was initially scheduled for that weekend ; however, XXXX postponed the job multiple times claiming that it was raining and that excavation would not be possible. On another occasion he claimed he didnt have the right supplies and postponed it again. Eventually, he returned to excavate the ground but apparently nothing else was done. He lied to me and claimed that he had completed part of the job and would return another day to finish it. The broken lateral line still caused sewerage to back up inside the house. I even received a fine from the XXXX housing department for an unfinished sidewalk because it was left unfinished for so long. 

Because of XXXX deceit and incompetence, I had to contract another plumber to complete exactly the same job I had contracted him to do. They informed me that no work at all had been done, other than that a giant hole had been excavated outside my home. You can see from the two invoices by both companies that the same main items were quoted : 1. Excavation, 2. Installation of new cast iron curb trap, 3. New lateral pipe Throughout all of this, XXXX responsiveness has been abysmal. He has been literally impossible to get a hold of. He never answered any of my calls and ignored ALL of my texts. I called him 21 times between XX/XX/XXXX and today and sent him almost 10 texts with no response. 

Because of XXXX extremely unprofessional attitude, unresponsiveness, and incompetence, not only have I suffered the {$1900.00} loss ( to which my credit card company has refused to refund me ) but it has also caused the delay of the sale of my house which is incurring me $ XXXX / mo in mortgage payments. During this entire period I have not been able to rent my house or sell my house causing me to lose a huge sum of money. 

After failing to resolve this with XXXX XXXX XXXX ( again due to all my calls / texts going unresponded ), I filed a complaint with Citi. The last communication I had from them was XX/XX/2020. They informed me that the case was resolved in the merchants favor and nothing further could be done. 

Attached are the following : 1. Screenshots of SMS messages sent to XXXX that went unresponded 2. AT & T records of me making over 28 phone calls, the vast majority of which were never answered 3. An invoice from XXXX XXXX XXXX showing what he was contracted to do to fully remedy the broken lateral one 4. An invoice from the new plumbing company showing what they had to do. You can see that
Complaint sub-issue: Account information incorrect

I did not give written consent to have such accounts on my consumer report pursuant to federal laws as a federally protected consumer.
Complaint sub-issue: Debt was paid

There was an amount showing up as unpaid that the company agreed was paid last year and per our agreed upon monthly amounts. They could not see why / how it got reported as an issue and were contacting the Bureau immediately for resolution.
Complaint sub-issue: Attempted to collect wrong amount

i made a full payment to Macys credit services on XX/XX/2020 of the total amount of {$340.00} to fully close out my account. 
Macys never processed the payment. I made various multiple calls to macys customer service in multiple attempts to resolve this issue in the following weeks after the payment was issued. macys failed to provide and customer support due to the covid-19 and closed their phone support. now macys is issuing interest on my account adding late fees and transferred over my bill to a debt collector. when macys reopened about around XX/XX/2020 i called macys and they had no access to my account anymore, due to it being sent to a collection service. i contacted the collection service XXXX and they have very slow and no consumer support saying that they will get back to me about my dispute with macys in 45 days. all the while macys will keep adding interest and late fees. at this point which have added about 50 % of the original bill so far. i will at this moment make a full payment directcly to citi bank finance services directly to end the interest and fee charges. i will pursue this matter until this issue gets resolved.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

auto dealer supposed to get soft credit check to see if I'm prequalified, but ran multiple time hard pulls without my permission! 
XXXX XXXX XXXX ( XXXX  ) - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX I do not recognize who is it/could n't find it XXXXXXXX XXXX  - XX/XX/XXXX promised soft check - ran hard instead XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Was not notified of investigation status or results

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

1. The following account was a Charge-off. Balance should be XXXX. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

2. The following account was a Charge-off. Balance should be XXXX. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

3. The following account was a Charge-off. Balance should be XXXX. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. The following account was a Charge-off. Balance should be XXXX. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. The following account was a Charge-off. Balance should be XXXX. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.5. The following account was a Charge-off. 
6. Balance should be XXXX. 
XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 


The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law, you had thirty ( 30 ) days to complete your re-investigation, yet you have failed to respond. Do not delay any further.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Sincerely yours, XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

REPORTING OF ADDRESSES THAT ARE NOT MINE


MY NAME IS

XXXX XXXX XXXX  

MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

MY PHONE NUMBER IS XXXX XXXX XXXX

MY EMAIL ADDRESS IS XXXX


MY SECOND HOME ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  

15 U.S. Code  1681i

THE INNACURATE REPORTING IS DAMAGING MY CREDIT, THEY NEED TO REMOVE ALL NUMBERS AND ADDRESSES THAT ARE NOT MINE
Complaint sub-issue: Was not notified of investigation status or results

This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached the letters and FTC report that was sent on XX/XX/2021 which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!
Complaint sub-issue: Information belongs to someone else

Dear reporting Agency i am an identity theft victim. i am writing to dispute the following items on my credit report. each of those accounts and transactions i dispute were opened and made by the thief, not by me. i never authorized, used, or benefited from the accounts or transactions in anyway -XXXX XXXX XXXX {$1000.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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 2 : It also states a consumer reporting agency can not furnish an account with my written instructions.
Complaint sub-issue: Reporting company used your report improperly

Equifax reported a hack of some 143 million users ' private personal information today, XXXX XXXX, 2017. According to the website Equifax provides for checking if details have been exposed, I am among the victims. They have exposed my name, home address ( es ), social security number, driver 's license number, and other details. 

This leak compromises not only my personal credit, but potentially any and all banking services I use, as an attacker can potentially use this exposed information to gain access to my personal banking accounts, or other accounts that depend on verification of these details.
Complaint sub-issue: Information belongs to someone else

I AM A VICTIM OF IDENTITY THEFT. SOMEONE STOLE MY IDENTITY AND IT HAS RUINED MY LIFE. PLEASE INVESTIGATE THESE FRAUDULENT ACCOUNTS AND REMOVE THEM FROM MY PROFILE.
Complaint sub-issue: Reporting company used your report improperly

accordance with the Fair Credit Reporting act XXXX Account # XXXX and XXXX h

as 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.
Complaint sub-issue: Information belongs to someone else

AFFIDAVIT : In this court of record I, XXXX XXXX XXXX, a man, swear under oath and penalty of perjury that all herein is true as follows I am a victim of identity theft and fraud and XXXX, Equifax, XXXX  are continuing to report fraudulent accounts on my credit profile after I informed them of the fraudulent accounts in which are causing me harm, injury and damage in the public. 

s : XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX began running monthly unauthorized credit checks on me personally under a email address not mine but persisted for over 12 months. When inquiring about this with them nothing was accomplished nor information needed to address and uncover who was responsible for this. Pretty much same with identity theft and Equifax not being able to verify my identity and a problem with my bank and fraud you forwarded to comptroller of currency which I was falsely accused of fraud after repeatdly asking for help from bank only to be later completely and wrongly defamed accused and false statements from bank to comptroller. Due to repeated and unending attacks and no help or protection for any electronic device I am now completely and totally destroyed dignity character you name it. I was sent an email by you pertaining to a student loan I never opened nor know anything about and can not get answers to who where or any help or credit or life what so ever after this complete and total failure to help but I tried to do what was needed to assist but was stopped in my tracks everytime I tried. By theft data hacks and just outrageous ridiculous behavior I've have never witnessed nor seen in my 60 yrs on planet and now getting worse thanks I had so much hope now I'm so physically and mentally destroyed and tired of all the false and just godawful things that I have endured due to such complete and total destruction of my health life and any desire to ask for help to stop wrongful and clearly illegal behavior. I can not endure all the misinformation financial or personal attacks and can't health wise endure a protracted and totally ridiculous reason to have to now hire attorneys and go after the bad actors. I was so hopefully my request for help would lead to good results only to further damage and lead to bigger and worse problems. I'm so disappointed and confused how a bank a credit reporting outfit and XXXX and XXXX XXXX such blatant and obscene behavior besides hotel stealing from debit cards and loans etc I cant contest or even attempt due to no faith or trust left to even ask.
Complaint sub-issue: Information belongs to someone else

I recently pulled my consumer report and noticed fraudulent inquires being reported to my profile. They were not authorized by me and I have no idea where they came from or who they belong to. 15 U.S Code 1681 section N states " any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or XXXX  dollars or whichever is greater. '' I am prepared to file for litigation on my behalf. The inquires will be listed in the letters attached to complaint. I also filed a FTC report. Thanks for your help in advance.
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 XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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
Complaint sub-issue: Information belongs to someone else

I am victim of equifax XXXX  XXXX XXXX  and XXXX  data breaches. Somehow my personal information has been compromised and someone is using my identity without my authorization and consent. I have disputed the VW Credit Inc {$0.00} and XXXX XXXX XXXX {$0.00} loans several times stating to bureaus the information is not mines and fraudulent. It was removed from my credit report with XXXX  and XXXX  do to FCRA SECTION 604B 605B AND 609B but still not from XXXX. This the 4 time im diputing this inaccurate information from my credit report. The items or loans reporting on my credit are not mines and done without my authorization and permission. At this point I demand removal blcok or deletion from my credit file immediatley.
Complaint sub-issue: Didn't receive services that were advertised

Equifax data breach likely to have affected me.
Complaint sub-issue: Account status incorrect

I paid off the loan -- in full -- on XX/XX/XXXX ; that's the day XXXX delivered the check. XXXX XXXX XXXX claims they didn't credit the account until XX/XX/XXXX. 

XXXX XXXX XXXX told me it takes them 30 - 45 days to update their system ( which is outrageous because they IMMEDIATELY report if I miss a payment ). 30 days from receipt of the payoff check would be XX/XX/XXXX. As of XX/XX/XXXX, XXXX XXXX was still reporting the loan open and now 90 days late. On XX/XX/XXXX ( after 45 ) the account was still listed as open and 90 days late on my XXXX   report. 

As of XX/XX/XXXX, XXXX XXXX XXXX still reporting the account as open and late to XXXX   and Equifax ; thus harming my FICO score and my individual credit rating at XXXX and Equifax at 60 days since I paid off the balance.
Complaint sub-issue: Information belongs to someone else

This information reporting on my credit profile is inaccurate and I would like you to validate that it belongs to me per the accounts below. 

XXXX : XXXX XXXX Original creditor : XXXX XXXX  {$800.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Open account XXXX  XXXX Original creditor : XXXX XXXX XXXX {$520.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Open account Paid off : 0 % Balance on XX/XX/XXXX Original balance {$520.00} EQUIFAX : XXXX XXXX XXXX Original creditor : XXXX  {$520.00} Balance updated Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Account Paid off : 0 % Balance on Original balance {$520.00} XXXX : XXXX XXXX Original creditor : XXXX XXXX 
{$520.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$520.00}
Complaint sub-issue: Threatened or suggested your credit would be damaged

HIPAA VIOLATION According to a recent copy of my credit profile AMERIFINANCIAL SOLUTIONS is reporting an alleged debt owed by me. I responded by sending a letter requesting validation of this debt to which their response is a clear violation of my rights according to HIPAA. 
AMERIFINANCIAL SOLUTIONS did NOT provide me a HIPAA release that releases my medical information to them. I am aware that HIPAA does allow for limited information but anything more is to only be revealed with the patient 's authorization. 
Acct # XXXX
Complaint sub-issue: Information belongs to someone else

ID theft victim Another account on my report XXXX XXXX XXXX XXXX XXXX XXXX {$850.00} This is not my account/Fraud i have added my Id theft reporrt as well
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am a natural person, I am a living human being, I have USC 1681 Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed be removed because According to 15 USC 1681 I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem getting your free annual credit report

I was contacted by XXXX  at XXXX this morning that there was an account added to my equifax credit file. The alert had no specific information as to what was added so I selected the option that " it was not me '' I called XXXX to find out what was added to my credit file and they did not have any information to provide to me either. I was told to contact equifax and i did but i got agents asking me to take a picture of my id to send to them ( I did not do ) and asking questions that i couldn't possibly answer because they wanted information from decades ago. they stated their system could not verify me ( they can't determine when they have the actual legitimate person on the line ). I went to try to view my credit report online to see what was added and again, their online system could not verify me with the basic information it was requesting ( SSN, DOB, current address, ETC ). I do not have access to my own information but they allow frauds to use my information to get goods and services and then i have to fight with them to find out what is going on. I Cant get a credit report or any information on my credit file.
Complaint sub-issue: Problem with rewards from credit card

Hello, I am writing in regard to the failure of receiving my pricematch benefit from Citi 's  Price Rewind program. 

I contacted Citi 's customer service and provided my case number and spoke with a claims adjuster named XXXX on XX/XX/18 at XXXX XXXX est. She told me my timestamped screenshot of the advertisement was not valid and could not substantiated at the store. This was a clear tactic Citi uses because I was familiar with their usual runarounds in trying to deny my previous claims with correct and valid documentation. 

To provide greater background, I have had the same issue with the Citi Price Rewind program last year to the month coincidentally and they provided the same baseless reasons in order to deny my claim by providing false details and interpreting their clear-cut terms and conditions in a fickle manner. The claims were eventually approved through CFPB as did my all my other claims from other times using this type of advertisement. 

XXXX promised me she would call me back that night and does not but eventually does on the following day at XXXX est on XX/XX/18 at a time I explicitly told her I would be busy at work. 

In the call she reiterates that she verified with the store and provides me with a current XX/XX/18 current item pricing to which I doubt because I verified with the store and the information I received conflicts with what I received from XXXX. Additionally, the information she provides is irrelevant because I am not submitting an advertisement for XX/XX/18 but in fact it was dated on XX/XX/18 and this information was valid and in stock at the time. Eventually later on XX/XX/18 a supervisor named XXXX informs me that they are standing by their original claim denial decision. 

Thank you
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX   XXXX ; XXXX XXXX XXXX ; XXXX XXXX ;
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX