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

I used my Costco Anywhere XXXX Card by Citi to purchase the airline tickets from XXXX Airline with amount of {$3300.00} in XXXX XXXX, 2020. Due to coronavirus pandemic, my flight was cancelled and XXXX has refunded the full amount back to my credit card on XX/XX/2020. I also receive an note from Citicard on XX/XX/2020 to confirm a permanent credit of {$3300.00} has been applied to my account. But for unknown reason, the same charges was billed back to my account again in end of XXXX. I call and dicuss the question with Citicard customer service/dispute department and request to remove the charges as it should be. They promised to put into investagtion and solve the problem ASAP with confirmation letter on XX/XX/2020. From then, I try to contact the credit card company many times to find out the status/updates but no solution at all. They only ask me to wait for their investgation result. Now it has been XXXX monthes passed but the charges still remain on my account. Please help!
Complaint sub-issue: Was not notified of investigation status or results

15 U.S. Code 1666 - Correction of billing errors Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.
Complaint sub-issue: Didn't receive notice of right to dispute

This complaint is in reference to I.C. Systems, Inc. This debt has been sold multiple times and each new company reports the account to my credit with the date that they purchased it, which is incorrect. This bureau can see that I have reported this debt as fraud on XX/XX/XXXX. The original date that this account went into arrears was in XXXX. Yet, it is reported to my credit with a date of XX/XX/XXXX. This is significantly infringing on my 7-year window. The time doesn't restart just because that's when they purchased the debt. Further, I have provided XXXX with a police report and shown that the account was a fraud committed against me when one of their own employees stole my information and added lines to my account without my knowledge. However, they have determined that just because I knew the individual that it could not be fraud, which is absurd. People commit crimes against people they know all the time. The amount of the debt is currently listed as {$3800.00}.
Complaint sub-issue: Reporting company used your report improperly

In accordance with fair credit reporting act XXXX  Accounts, Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Has violated my rights. 

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: Reporting company used your report improperly

On XX/XX/XXXX I became aware of a fraudulent, hard credit inquiry for XXXX XXXX on my XXXX  credit report from XX/XX/XXXX. I placed a fraud alert and credit freeze at all three credit reporting agencies XXXX, XXXX  and XXXX. on XX/XX/XXXX. I called XXXX XXXX at their phone number XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to inform them of this fraudulent activity and on each occasion was informed that no account had been approved or created in my name and that the inquiry would be removed from my credit report. I also informed them of the fraud by email at XXXX on XX/XX/XXXX but received no response. I requested information from them in writing at XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX on XX/XX/XXXX and from XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX on XX/XX/XXXX but received no response from either. On XX/XX/XXXX I received a notice of collection from XXXX XXXX XXXX XXXX for {$1800.00} for XXXX XXXX Account # XXXX. I never received any billing or correspondence from XXXX XXXX regarding this account, where this transaction took place or what it involved despite requesting it as described. I tried to submit a fraud claim directly to XXXX XXXX electronically several times but I am always denied the final submittal despite supplying all requested information. I submitted an identity theft police report to the XXXX Police Department on XX/XX/XXXX after receiving the collection notice and getting nowhere with XXXX XXXX. I will attach the police report and letters sent to XXXX XXXX if possible.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}, {$0.00}. 
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 Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Debt was paid

Equifax is still reporting me a collection account that I have already settled and have proof of a " Deletion Letter '' directly from the collection agency. Please see the attached document as proof. Equifax is the only bureau that is not doing their due diligence in reporting accurate information. This collection account needs to be deleted asap from my credit!
Complaint sub-issue: Threatened or suggested your credit would be damaged

XXXX XXXX medical bill was {$55.00} dollars XXXX XXXX XXXX. is the company is charging extra {$240.00} in interest making a total off {$300.00} I have never sign any contract with the original company ( XXXX XXXX ) this company is treating me to damage my credit score if I don't pay the bill I have contacted the company to pay my bill but they are charging all they want not giving me the option. to paid the original balance. 

XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't 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 719XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. 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 n 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 I prefer to speak to a us rept but they refused 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 .This 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 n admitted they had my police report n 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 n now im homeless n cant provide to my XXXX year old daughter  PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Account information incorrect

I never applied for a mortgage loan to XXXX. Information reported is from XXXX XXXX, and it was resolved and removed from my reports. Information reported corresponds to XXXX XXXX. The dealer by LAW may not be changing the information to harm the consumer. Account does not belong to me.
Complaint sub-issue: Their investigation did not fix an error on your report

Credit agencies did not remove item off my credit report that another agency removed. By law XXXX should have reported the deletion of items to other credit agencies. 
XXXX removed items but XXXX  and equifax kept items on my credit report.XXXX  and Equifax did not complete a timely or thorough investigation.
Complaint sub-issue: Debt was result of identity theft

these people keep claiming that i opened an account with them I NEVER opened an account i never signed anything anyone can sign my name to look like forgery again its fraud and there still refusing to remove this account at this time i filed a police report as my attorney stated and im giving you guys once final opportunity to delete this account from my name before i file a lawsuit against your bank XXXX XXXX XXXX and call for a national boycott of the XXXX XXXX XXXX XXXX XXXX against your bank and there willing to do that there email is XXXX and go public on XXXX  im sick and tired of your XXXX!
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I currently reside in XXXX, XXXX. 
I have called citicard multiple times to have a new replacement card sent to me in XXXX. 
The first time, they sent the card to an old address in CA and charged some kind of shipping fee without my consent. 
I called and they re-confirmed that they would send me a new card in XXXX and cancel the shipping fee. 
After the card did not arrive for weeks and I received another credit card statement showing a {$6.00} charge I did not make, I called again - this time they made me go through complicated identification procedures and then asked to call me at a U.S.-based  number for verficiation. 
As I do not live in the US, I asked citicard to call me at my international number or find some other way to verify my identification but they refused. 
They say they can not release any information about my card to me and will not handle my dispute until they can call me at a US-based number - but this is not possible. 
I have talked to several people in management and they still ca n't help me. 
In the meantime, the charge is still standing and I do n't know my new credit card number to initiate a dispute online. 
Please help me - receive a replacement card at my XXXX address - cancel the current charge on the card Thank you.
Complaint sub-issue: Account information incorrect

On XX/XX/2016 my account shows that it was 60 days past due. This is very inaccurate and I have contacted XXXX XXXX about this late payment and I was told to call the credit bear. I filed a dispute with Equifax and the inaccurate report is still being reported on my credit report.
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

The credit bureaus are 100 percent a scam.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //wwwXXXX.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

" XXXX XXXXXXXX XXXX  XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$340.00}, XXXX XXXX XXXX Balance : {$670.00}, XXXX XXXX XXXX Balance : {$770.00}, XXXX XXXX XXXX Balance : {$1100.00}, XXXX OF MO XXXX XXXX : {$470.00}XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$2600.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX ) XXXX Balance : {$500.00} " According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Funds not handled or disbursed as instructed

Never received {$700.00} bonus. I have called Citi bank over 40 times to solve this issue. I have mailed Citi bank 3 times regarding this issue as well. I have also mailed in copy of Promo offer. I also received after opening the account a confirmation of the promo offer. I attached a copy of the confirmation and the promo that was sent directly to me. 

I have attempted to resolve this issue for 7-months and no one has reached a solution on this matter. 

I have completed ALL of the steps on my end, {$50000.00} remained in the account for the time I was supposed to. Please check my account.
Complaint sub-issue: Personal information incorrect

On XX/XX/2020 I disputed the accuracy and completeness of information reported by XXXX in regards to a bankruptcy showing on my credit report. I made it clear to them that I am disputing the accuracy of the information provided to them by a third party information furnisher. I specifically stated and provided evidence showing that the name and address provided by the information furnisher does not match my name or address, but yet they continue to report this inaccurate information. In accordance with section 609 of the FCRA I demand that this inaccurate information be deleted from my report.
Complaint sub-issue: Personal information incorrect

Attached is my ID, all other addresses on my report should be blocked for they are not mines.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act. The following accounts a-re violating my rights. 
- 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 15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C. 1681 SECTION 602 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY INSTRUCTIONS.
Complaint sub-issue: Account status incorrect

The student loan US DEPARTMENT OF ED was not transferred. This is not correct at all. I paid the account as agreed, this is an error. What Equifax stated is completely INACCURATE, INCOMPLETE AND UNVERIFIABLE. Not only Credit Bureaus violated federal law by not properly investigating within the required time frame, including Negligent Enablement of Identity Fraud.

US DEPARTMENT OF ED
Complaint sub-issue: Information belongs to someone else

I'm asking for a investigation on my credit file I have fraudulently accounts that were obtain in my name.
Complaint sub-issue: Information belongs to someone else

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section XXXX  ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see XXXX XXXX XXXX  et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the XXXX XXXX XXXX Identity theft. All is being investigated by the FTC
Complaint sub-issue: Information is missing that should be on the report

Years ago Equifax current personnel deleted my current address of that time. Since then they have not permitted me a copy of the report related to me. Even though I have a registered user name and password with Equifax! 
Calling in, they ask usual ID questions, OK. Then questions of erroneous information are asked, to which I answer none of the above. Then I was denied access, for which I am told to send in information of a certain format via snail mail. I did, with extra supportive documentation. Then I was told that the documents were not excepted. Hung. 
This problem persists today, their errors unresolved. 
Past addresses of record were in XXXX, XXXX ( a mail service only - used for many years ), and an address in XXXX, XXXX ( street has varied slightly ). 
My present physical address is in XXXX. For this I presented documents of passport, Homeland Security ID, XXXX residency card, XXXX driver 's license, and utility receipts. They still did not complete the update. 
I have physically lived in XXXX for 23 years. Now I have been informed of a new erroneous collection on my record related to supposed service in the USA, when I am not in the USA. 
Further, Equifax has no authorization in XXXX. 
Equifax documents related to my consumerism should only be historic. 
Additionally, I have been informed that I am a victim of the Equifax XXXX data breach. For this I am entitled to additional services and compensation. 
Due to the above information, on XX/XX/XXXX, I clicked an Equifax link to spot check the Equifax credit score supposedly related to me. Equifax error again - this link enrolled me in Equifax Core Credit service. I received an email to that affect informing me that for this I am not eligible for my lawful free credit report copies.
Complaint sub-issue: Account status

I have previously disputed this credit card account from XXXX XXXX XXXX with both Equifax and XXXX XXXX XXXX. I have disputed the account several times and each time receive a different response from Equifax. The updates/responses I have received are- no payment information provided on my report or incorrect payment information reported on my account. I have also written to XXXX XXXX XXXX asking them to provide me with the payment history on the account and to verify the accuracy. I continue to get the same form letter from them which is attached as a file below. 
This account was charged off XX/XX/2009, it has been charged off for more than seven years and should be deleted from my Equifax credit report. I have experienced re-aging on this account multiple times. And seen from the screenshot below there is no payment information attached to the account right now just a last payment date which is not accurate. Additionally this account was showing as removed and then re added the screenshot is attached. 
Please delete the XXXX XXXX XXXX credit card account from my Equifax report.
Complaint sub-issue: Account status

I settled XXXX outsanding credit accounts that went into collection when I lost my job XX/XX/XXXX. I finally returned to work XX/XX/XXXX and began fixing. I settled with XXXX XXXX and XXXX XXXX Bank, both of which sent me settlement letters BEFORE I made the payments to verify the settlement reporting terms to the XXXX credit bureausI have attached for your review. 

For XXXX months now, I continue to dispute the status of these accounts as currently stated as " Charge Off '', which is not what I agreed to in their settlement letter. 
Correct Status for these accounts is " Paid - Settled, {$0.00} Balance " Nothing more, nothing lessEquaifax continues to show Charge Off, late payment, paid after charge charge, all comments that are not a part of the agreed settlement letter each stated they would report to the bureaus
Complaint sub-issue: Charged too much interest

Store Name : XXXX Date of purchased : XX/XX/XXXX Total charges : {$3800.00} Promotional Interest Rate : XXXX XXXX for XXXX year ( expired on XX/XX/XXXX ) Annual Percentage Rate : XXXX XXXX Total balance after promotional offer : {$730.00} Current balance now : {$1700.00} Interest charged : {$990.00} Deferred interest charges : {$950.00} THIS IS TOO MUCH CHARGES! They did not disclose how they arrived this overcharged fees. 

Thank you
Complaint sub-issue: Debt resulted from identity theft

Allied Interstate keeps contacting and harassing me via email and phone to collect a fraudulent debt. I 've already contacted their said client XXXX, XXXX and confirmed the fraudulent charge.
Complaint sub-issue: Funds not received from closed account

I had an account that was scheduled to be charged off that I had never received a notice for neither by mail, email, phone, or text alert for {$99.00}. PNC cleared my checking account in the amount of {$62.00} to cover part of the debt that was owed leaving a {$36.00} balance left to be paid. I informed PNC that I will have a direct deposit coming in on XX/XX/19 that can cover the remaining balance. The representative informed me that they will hold off on closing the account so the debt can be settled. PNC closed the account on XX/XX/19. When I noticed the account disappeared from my mobile banking app, I called PNC again on XX/XX/19 to make them away that the funds will be coming to the account the next morning, the representative I spoke with said to call on Friday XX/XX/2019 and they can transfer the funds to my active account. I called someone this morning XX/XX/2019 and they spoke to me and said the funds have posted and call back at XXXX to have them transferred. When I called back at XXXX, I was informed that they could not move my money until Monday afternoon because they haven't posted the funds. I am ENRAGED being that I have to pay rent and take care of a child and I'm set back {$620.00}.
Complaint sub-issue: Denied request to lower payments

In XXXX of 2022 I called Volkswagen credit XXXX  XXXX twenty times. I had paid a payment of XXXX to cover up to XXXX for XXXX and XXXX. I paid XXXX and XXXX but not XXXX. They were overcharging me and taking thirty days to complete a payment so It would be late and they would not fix the problem. Then I did not pay the month of XXXX after trying to reason with them in XXXX and get help with the loan as they were charging {$250.00} for late fees at this point without any letter of late fees change from XXXX to {$15.00} and then so on up to {$250.00} for one month for one late fee, and for being so upset for not being listened to and for paying XXXX a month in a COVID crisis. Two days before my due date of XX/XX/XXXX, they repossessed my car without any warning. In the state of Massachusetts that is illegal. There must be three letters of repossession warning before a car is taken and I got none. Then after they stole and sold my car for XXXX, they did not give me the remaining balance. As I only owed XXXX to XXXX at this point. Therefore they owe me money or the return of the same car with the same payment plan. My name is XXXX XXXX and my number is XXXX and I want XXXX!!! Thank you