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

Purchased a vacation package from supposed merchant XXXX in XX/XX/XXXX, merchant was refusing to render services. Canceled card within two business days of tranaction after investigating charge further including statement showing charge to unknown third party. XXXX also refused to book a vacation of several dates requested. During initial call to Citibank they refused to stop transactions. Attempted to reach citibank rep several times after initial call and was not properly notify me of closed dispute. I've made multiple attempts to resolve issue with merchant. Merchant reported they've not received funds after 45days of dispute being closed and still refusing to provide services. Finally gained access to dispute report in after 3hr phone call with Citi bank on XX/XX/XXXX after months of calling citi and multiple prior attempts of attempting to obtain documents. Dispute report was supposedly delivered XX/XX/XXXX to me and this never occured. I never received notice of documents uploaded to my account. Also, documents can not be viewed from mobile phone via citibank app or online via mobile. Can only be viewed on desktop and I never registered my desktop online account. Citibank also reports mailing documents I never recieved. Only document I received from Citi was a notice of late payment after dispute was closed, thus triggering sequence of events the past four months. The documents of dispute report show the merchant forged my signature on a contract I never agreed too. Also, multiple discrepancies where proven with time stamped emails and phone records I submitted to Citi that Sunwaves merchant claims in their report. The dispute report also has date from citibank screen shot showing inaccurate date of XX/XX/XXXX, a day after I actually obtain the report from Citi that was supposed deliever XX/XX/XXXX. Citibank is still refusing to take any accountability of error on their end and wont reopen the dispute for reasons that change every call. After submitting evidence of fraudulent activity to Citibank on XX/XX/XXXX, two business days after I finally obtained the report. Citibank informed me they would respond in 10 business days. Requested reponse in writing and it never occured via phone or mail. Called citi again and was told dispute was not allowed to be reopened per XXXX  protocol. Called XXXX  and XXXX representative told citibank they were negligent and wrong on a recorded call on XX/XX/XXXX. Visa representative filed incident report in XX/XX/XXXX due to citibank falsely claiming this is due to visa protocol. Citibank has continually given me false information every call and reports mailing letters and sending electronic documents that I never received. Citibank has consistently violated the consumer protection act as result of their own negligence and improper closing of dispute without my evidence to show illegal activity and services not rendered from merchant.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX I mailed out a dispute to XXXX, XXXX and Equifax. I included a legible copy of my ID, SS card and proof of my mailing address. I mailed my dispute letters via certified mail and I did receive a confirmation that they were received by XXXX on XXXX and Equifax on XXXX. But to date, I have not received any response from XXXX or Equifax. I would really like to know : 1. What is the status of my disputes received by XXXX and Equifax? 
2. Why have I not received a response to my disputes? 
3. When will I receive a response to my disputes? 
4. What recourse do I have since I did not receive a response in a timely manner? 
I know with COVID-19 that there may be some delays, but at this point it has been more than 2 months and I think that I should have received some kind of update by now since I know I am supposed to receive a response within 30 days.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : FRAUDULENT HARD INQUIRY Please be advised that as of XX/XX/XXXX as listed on my most recently reviewed consumer report, there are several fraud/unauthorized inquires listed. As a reference, please see the below inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am hereby notifying you that neither on those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given Equifax authorization to furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. 

Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information please remove the abovementioned inquiries within 15 days of receiving this letter. It is your duty to accurately report information and as of now you are not doing that. I look forward to Equifax resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file I will file a dispute against you in small claims court seeking remedy for said violations. 


Warm Regards, XXXX : XXXX Without prejudice, all natural inalienable rights reserved.
Complaint sub-issue: Their investigation did not fix an error on your report

I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.
Complaint sub-issue: Their investigation did not fix an error on your report

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Fee problem

I think my bank is charging to many overdraft fees. This needs to stop. It puts you in a hole you can't get out of. They won't wave any of my fees. This is us bank
Complaint sub-issue: Card was charged for something you did not purchase with the card

About 14 years ago I was the victim of identity theft. Someone was using my accounts & information to make purchases with my credit card. I contacted discover and the credit bureaus. All of the charges that I did not make were deemed fraudulent and removed from my credit report. I have made numerous calls to discover through the years and thought this situation was taken care of but 10 plus years later I found out, it is not. Last month, I spoke with a very kind & helpful Discover representative who informed me that in 2014 Discover had reviewed my file again and decided that I was responsible for the fraudulent charges. I recently received a court notice saying my wages were going to be garnished. I have talked to the attorneys from XXXX XXXX XXXX numerous times and Discover card and explained my situation to them and specifically told them that I did not make those charges. Their response was that they could not do anything about that and said I had to contact Discover. Discover is now garnishing my wages for over {$11000.00} in fraudulent charges that I did NOT make
!
Complaint sub-issue: Problem accessing account

My unemployment ReliaCard through US Bank has been locked since XX/XX/2020. I am unable to access my account or use my debit card because it is locked. I have called ReliaCard dozens of times within numerous internal departments and with several supervisors in each department. I am repetitively told over and over that there is nothing theycan do to unlock and they have escalated my issue dozens of times. I am about to lose my car and my car insurance already lapsed. I have called the state unemployments office and they said they have no locks on my account. I have called the department of treasury and they have no lock on my account. I have called US Bank and they also do not have a lock on my account. My account was said to have been locked because I spent more than my daily limit was allowed? They needed to verify my identity. I sent them copies of my birth certificate and government issued driver 's license. I still have no answers or can access my account. I am losing everything and the issue is still very unclear to why and how come the lock hasn't been lifted.
Complaint sub-issue: Reporting company used your report improperly

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : Address. Please update my name to : Name. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Complaint sub-issue: Talked to a third-party about your debt

Citibank contacted my father around XX/XX/XXXX-XX/XX/XXXX. I was out of the country. My father has a separate account with Citibank, they advised him that my account was past due and no payment received since XX/XX/XXXX. My father isnt listed on my account, nor do I live at home with my father. Once my father made the rep aware that he had made a mistake he didnt want to release any further information. My account is enrolled in a Debt Settlement program and i have notified ALL my creditors of this and not to contact me or any one else. 

XXXX XXXX contacted my mother around XX/XX/XXXX-XX/XX/XXXX, while i was out of the country, at my previous home telephone trying to collect on a a debt, after they had been informed of my enrollment into a debt settlement program.
Complaint sub-issue: Reporting company used your report improperly

This is not an error and I'm writing this complaint on my own behalf. On XX/XX/21 I sent dispute letter to Lexis Nexis regarding some incorrect information being reported on my consumer report. I have proof of receipt attached below. Guess what To this date I have NOT received any response to my complaint and as a Military Veteran who fought for my country to have to continuously fight for what in right in my OWN country is adsurd!!! This is not only adding to my XXXX I suffer from but also keeping me from being able to refinance my home. This is too got XXXX XXXXXXXX for something that should not even be an issue there is no reason that a company should not respond!!!!
Complaint sub-issue: Talked to a third-party about your debt

I was called by a debt collector trying to obtain a debt and a lady threatened me saying if I didnt pay then the debt I owe would report to the credit bureaus when I notified them that it was an inconvenient time to call me, that it was my place of work and to stop calling this number. The number I told them to stop calling was the Principal at the place I work. Theyve also called the Front Receptionist, Registrar Office, Attendance Office, and Principal Secretary. They kept calling my place of work and now my co-workers know a debt collector is trying to reach me.
Complaint sub-issue: Account status incorrect

XXXX XXXX collection company is still reporting my account as open to all three credit bureaus when in fact it is CLOSED ( per their answer to previous complaint filed with cfpb ) and should be deleted from credit reports per Chapter XXXX bankruptcy. Despite numerous requests, the account status remains incorrectly reported as open on my credit reports with XXXX, Equifax, and XXXX.
Complaint sub-issue: Threatened or suggested your credit would be damaged

The account was in my fathers name and my mom also signed a few documents. I sent the collection agency a letter proving my mom 's signature was not mines and they threatened to keep it on my credit after telling me to write them a letter explaining the account and them seeing my mom 's signature. They compared the two and still threatened to keep it on my credit. I was never informed the account turns over to me after a certain age, and I have never received any mail about the finance and billing on the account. There adding fraudulent balance and I want this account to be removed or I am going to sue the company. It's been 6 years that I have been trying to remove this account.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX  XXXX account appeared on my credit report after the equifax date breach. I believe it's a fraudulent account. XXXX XXXX XX/XX/XXXX XXXX open date. I have no knowledge of this account although they seem to think I do. I'm not paying for a debit that's no mine.XXXX XXXX XXXXXXXX. I have no knowledge of this account and not sure how it got opened cause I didn't do it. XXXX XXXX XXXX account is not mine and I have no knowledge of this account. Found out about it reviewing my credit report after the equifax data breach. XXXX is displaying incorrect information about open and last active dates and incorrect payment history. XXXX XXXX is reporting incorrect information account comes back verified even though the open date and last active dates are wrong. XXXX  XXXX last active is wrong, months reviewed are wrong and incomplete payment history. XXXX XXXX XXXX last active date is incorrect. Months reviewed are inaccurate. And impcomplete payment history.XXXX XXXX XXXX incorrect last active date and I have no knowledge about this account and did not open this account. XXXX XXXX  inaccurate information. Last active date is wrong.XXXX  XXXX last active date and open date are wrong. This is not my account.equifax data breach .XXXX XXXX  XXXX inaccurate open and last actives are incorrect with incomplete payment history. XXXX XXXX XXXX open date is wrong last active date is wrong, payment history incomplete. All these accounts list are either not mine or incomplete or inaccurate to the best of my knowledge these accounts are products of a credit breach through equifax. Please remove all accounts for reasons I have listed above.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX, Georgia XXXX Confirmation # XXXX Date : # XXXX 2017 As a Veteran, and a XXXX XXXX XXXX, I am deeply concerned how Equifax is mistreating me just to satisfy and placate to these collection agencies, and these reporting companies. They do not care that I got denied a V.A. loan because of them. They do not care that I have been having these problems since XXXX of this year, while they knew they were comprised through hacking back then. I have filed three different police reports. 
Since XXXX of this year, I have closed my accounts three times, and we could not figure out what was going on, but they knew, and they didnt say a mumbling word. I am paying {$19.00} per month with them just to get bamboozled, hoodwinked, and deceived all the while they are appeasing, and pacifying their clients. 
They keep saying I have more than one file with them, which is out languished at best, and criminally assault against me, at best. I have only one account with the other bureaus. This should be a clue, and proof my account has been breached and my identity stole. You all should remember I filed an identity theft report twice this year. 
The keep putting these account ( XXXX XXXXXXXX XXXX XXXX XXXX, MA, and XXXX XXXX XXXX XXXX, GA ). This is proof, Equifax is still doing underhanded, and shady business after lying to congress, and the general public stating they are not! 
I am more than willing to testify in front Congress to pull the blind off this unprofessional, and feloniously mind company.
Complaint sub-issue: Problem with personal statement of dispute

I live on XXXX XXXX florida. my home was damaged by IRMA XXXX-17 my mortgage THE MONEY SOURCE company offered me government supported FHA Disaster-related Special Forberance program. they offered me 3 months of NO payments with no reporting of the lateness of the 3 months. I took XXXX XXXX XXXX no payments used that money to cover the deductible of my wind insurance to repair the home they hold the mortgage on. {$8800.00} deductible. in their written letter they stated the next payment was due on XXXX17 .... 
.they emailed me on XXXX17 my account was going into foreclosure for being 90 days late. In there written proposal it states my regular payments will reassume in XX/XX/2017 ... .I made the payment by phone XXXX-17. I called them first week of XXXX and asked for an explaination I did what they said made they said I was still 3 months past due and they were sending mr specific instructions on how to get back in GOOD Standing with THE MONEY SOURCE.. they mailed me a plain to make 3 monthly payments by cashier cheks and after that they would reconstruct my loan to change the balalnce to reflect my balance plus XXXX I signed and restarted my loan. Through this whole process they reported me over 90 days late 5 months ... .KILLED my credit score
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2018, I applied to XXXX XXXX for an auto loan. My daughter XXXX XXXX and I applied as co-buyers and were approved for a loan for up to {$35000.00}. 

On XX/XX/XXXX, we went to XXXX XXXX to look at a car that we saw online. 

At the agency, we indicated to the selling agent, XXXX XXXX, that we already had XXXX XXXX financing approved for the vehicle. However, the salesperson indicated that they were going to try to get less expensive financing and asked us to wait until they checked. However, my daughter and I were unaware that they were doing hard credit inquiries as we waited for them to come back, but the sales person, who had our application announced that they were going back to the XXXX  XXXX offer that I brough in since they could not find a better deal for my daughter, XXXX, and we indicated that we told them that from the start -- that we already had XXXX XXXX approval for me at {$35000.00}. We purchased a XXXX XXXX from them. I am attaching the images of the agreements if you need them. 

However, several days later, my daughter, XXXX and I received credit rejection letters regarding financing for the XXXX. Recently, when I looked at my credit report, I was surprised to find two ( 2 ) hard credit inquiries. My daughter found seven ( 7 ) on her credit  report. We are complaining because we don't recall giving XXXX of XXXX any consent or authorizations to do any inquiries, especially hard inquiries, as we already had our financing available with XXXX XXXX, which we processed ourselves. 

I am attaching a copy of the screenshots of mine and my daughter 's hard inquiry information as it appears on our credit bureau report.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX : {$3100.00} ; XXXX XXXX XXXX Balance : {$220.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$620.00}
Complaint sub-issue: Account status incorrect

I purchased a car from XXXX XXXX XXXX XXXX ( XXXX ) in XX/XX/XXXX. The loan for the car says 60 months. My credit report shows that the account with XXXX was closed and paid in full inXX/XX/XXXX. This is incorrect information because I have still been paying a car note every month to this date. I contacted MCMC and they stated that they have transferred my account to another lender named XXXX. I asked who reports to the credit bureau and I was initially told by the general manager that XXXX does, but XXXX is not allowed to give me the phone number or any information about the company because they are just a lender and do not deal with consumers. I explained that it has not been reported that I am paying monthly and my credit report shows that the account is closed. The GM stated that he would handle it. This was in XX/XX/XXXX. The issue has not been corrected. I have asked again who reports to the credit bureaus and have now been told that XXXX does because they service my account and XXXX is just a lender. I have asked XXXX for their corporate office number and they told me again that they could not give that information because corporate does not deal with consumers. I asked who do I make a complaint to and they said a customer service rep like the one I was speaking to. I again asked for information on XXXX so that I can determine why they have not been reporting to the credit bureaus as they stated in my contract, and I was again told that they could not give me any information on the company. I have been told that someone would contact me to handle the situation and I have yet had anyone contact me. The customer service reps will not give me any information except the name of the company is XXXX. XXXX has not reported to credit bureaus about my account since XX/XX/XXXX. My credit report shows that the car loan account has been paid in full and closed. This is incorrect because I am still paying a car note every month. I need to know where my money is going since it is not being reported to the credit bureaus. This company is supposed to help build and establish credit. However, that can not happen if they are taking payments and not reporting to the bureaus.
Complaint sub-issue: Reporting company used your report improperly

I am told by equifax that I am a potential victim in their security breach. This improper protection of highly sensitive data opens me up to possibility that may include identity fraud, unauthorized credit usage, and unauthorized access to personal documents.
Complaint sub-issue: Information belongs to someone else

These are not my accounts, nor did I authorize these companies to pull my credit. There are names on my credit profile in which I do not recognize.
Complaint sub-issue: Information belongs to someone else

this account is now my account, nor did I authorize these companies listed to pull my credit. Please remove them. Thank you.