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 Citi DoubleCash credit card to purchase tickets from XXXX on XX/XX/XXXX in the amount {$890.00} to the XXXX XXXX XXXX XXXX in XXXX Texas ( billed as XXXX XXXX XXXX XXXX CA ). The event took place on XX/XX/XXXX. 

Upon arriving at the venue and proceeding to my seats I found that they were obstructed by on overhead seating section overhang, and by a large support beam directly in front of the seats. I was not able to view the game. 

I contacted XXXX and they said that all sales are final and they do not give refunds. 

I opened a dispute with Citibank and they proceeded to close the investigation without obtaining any further evidence from the merchant. I mailed them evidence of my purchase and the seating obstructions which were not listed in the sale. I included an email receipt, the seating map provided by XXXX, and photographs of the obstructions from the seats. 

After submitting this evidence, Citibank responded that We are unable to proceed with this dispute because you accepted and used the service after learning that the accommodations were not what you originally agreed upon. While we can understand your desire to obtain a credit to your account, we can not mandate that the merchant issue a credit. Our investigation remains closed. 

I do not accept that the service/goos were delivered as agreed when I purchased then. It is not possible to know that my seats were obstructed and therefor not what I originally agreed upon until after I had entered the venue to take my seats. I do not accept that there is no recourse that Citibank can take on my behalf. 

Please help me resolve this issue by insisting that Citibank reopen the dispute and request a chargeback to XXXX for the goods/services that were not as agreed upon. 

Thank You!
Complaint sub-issue: Billing problem

In   XXXX   XXXX  , my then girlfriend and I obtained a car loan together in  XXXX , Oregon. We were notified the lender was NAFCO Finance. Because my then partner had horrible credit, I was needed to be the primary borrower, even though I did n't and do n't have a driver 's license. ( I have  XXXX  relating to a   XXXX   XXXX   and do n't  drive  ) The initial loan was obtained based on her ( ex-girlfriend, her hereafter ) income, housing, as well as my income. I made a  XXXX -dollar down payment about a week after obtaining the vehicle ( which was about a  XXXX  vehicle-since I am not supposed to be too specific ). Just after that, she ( my ex ) ended our relationship, demanded I move out, stole the extra set of keys, and filed what ultimately turned out to be a baseless civil stalking claim ( it was dismissed ). I am in another city, have never driven the car, have n't had access to it, and have n't paid one payment. I have repeatedly sought refinancing from  NAFCO  and her, to which NAFCO ignored the requests and she attempted to label me as a stalker. During the civil case ' hearing, it was introduced she no longer has the same job or income or housing ... so the entire bases for the loan dissolved days after the loan was approved.   She made a number of timely payments. I asked repeatedly for any way to remove my name from the loan, since I had no real interest in it or relation to it. There was no reasonable reason to not refinance it with her ... they had my consent, and she had made payments on time.   In   XXXX   XXXX  , she was over 10 days late in paying her payment, and this adversely impacted my credit.
Complaint sub-issue: Information belongs to someone else

I went to the car dealership on yesterday and they denied me. I really thought they were just hassling me around so I went to my bank to apply for a car loan and they denied me as well. I pulled a copy of my credit and there are some items on there thats not mine. I've contacted the FTC and the police. I'm doing this on my own behalf. XXXX XXXX, XXXX and XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

To whom it May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 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 that 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 ( i.e., an original consumer contract with my signature on it ) that you have on file for the account ( s ) listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account ( XXXX ) listed below. I demand that the following account ( XXXX ) be verified or removed immediately : 1 ) XXXX XXXX XXXX Account number - XXXX Date opened- XX/XX/XXXX XXXX ) XXXX XXXX XXXX Account number - XXXX Date opened - XX/XX/XXXX I respectfully request to be provided with proof of this alleged item ( s ), specifically the contract, note or other instrument bearing my signature failing that, the item ( s ) must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such 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 have thirty ( 30 ) days to complete your investigation. 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 investigation. In addition, please remove all non-account holding inquires over 30 days old. Also, please add a promotional suppression to my credit file. Under federal law, you have 30 days to complete your re-investigation. 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 provide within fifteen ( 15 ) days of the completion of your reinvestigation. 
Thank You
Complaint sub-issue: Their investigation did not fix an error on your report

I'm " XXXX XXXX, '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXXXXXX Late payment XX/XX/22 30 days late will be removed. XXXX XXXX XXXX Balance Owed : {$140.00} XXXX XXXX XXXXXXXX Balance Owed : {$140.00} XXXX XXXX XXXXXXXX Balance Owed : {$140.00}
Complaint sub-issue: Account status incorrect

This account was included in bankruptcy in XX/XX/2018. With XXXX balance and this account became inactive and cancelled along with the credit card ... In XX/XX/2018, I started getting charges each month which the first charge was {$3.00} which was charged every month with interest, totalling {$190.00}. I disputed this item 2 times asking for specific information showing information proving these charges. Which I have not to this date, been provided any such information. The only thing I received was the information from the credit bureau ( XXXX, Equifax and XXXX ) that the information has been verified totally ignoring my request. This incorrect information has affected my credit and I am asking that this item be removed from my report.
Complaint sub-issue: Account terms

I have previously submitted a certified letter on XXXX XXXX 2016 and XXXX XXXX 2016 which was received and signed for requesting that a dispute be initiated for a XXXX XXXX XXXX account which is reporting inaccurate information on my Credit Report. After the dispute process this account was verified as " account belongs to you " XXXX XXXX Account # XXXX account is still reporting information which is inaccurate. 
1. XXXX Displays no account information prior to XXXX, however this account states open since XXXX. 
2. XXXX has a scheduled payment amount of {$770.00} per month and the account states {$770.00} owed total. And XXXX charged off. 
3. The Date of the last payment is XXXX and the Date of the first Delinquency is XXXX. 
4. Report does not List any XXXX delinquencies however account states charge off. The reporting of this account is inaccurate and incomplete.
Complaint sub-issue: Problem with personal statement of dispute

My wife and I were tenants at XXXX at XXXX XXXX  in XXXX XXXX, Texas. We expressed concerns via telephone and in person to the apartment management about our upstairs neighbors disruptive behaviors. They were loud ( music and parties ) during weekdays and weekends. Very frequently they had visitors and they were using our paid covered parking space ( picture attached ). We called the after hours phone number to report the incidents. We also notified management in person. Both of us have XXXX problems as we have mold XXXX. I suffer from XXXX and we had visible mold on the shrubbery and trees at both entrances which made both of us sick. We had a palm tree on the back entrance blocking our way and it was never trimmed ( attached picture ). 
The trash collection area was not kept clean, the mechanical box was not working and it was full most of the time. So, tenants were placing piles of trash bags on the floor ( attached picture ). Our apartment was just a few feet from the trash area. The smell was very strong and there was lots of flies. It was a very unhealthy condition. Due to these issues affecting our health and management not resolving our complaints, we decided to buy a house and move out ASAP. We notified management in writing of our early move and the reasons why we needed to terminate the contract. Management sent us an email stating that we needed to give them a 60 day notification plus pay for the early termination lease contract even though it was not any fault on our own. They failed to correct the problems reported to them several times. We paid every month of rent and left the apartment in good and clean condition. We also gave them written notice of early move out.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 45 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 30 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Complaint sub-issue: Other problem getting your report or credit score

I am a former employee of XXXX XXXX, out of XXXX XXXX XXXX, Fl. Right before I was laid off from XXXX XXXX, they merged with XXXX XXXX. I called XXXX 's today to request my exact start and end dates of employment that I need for a home loan. They referred me to Equifax ( XXXX ). After a drawn out process of the phone menu, leading me to wrong departments, I finally was able to speak to a representative. She verified some information, and asked me why I was requesting this information and I told her it was for a mortgage application. She then proceeded to tell me that she can not give it to me and that the mortgage company that needs the information, would have to contact XXXX. This is preposterous!!! I can not get my own information, but a third party most certainly can ( for a fee, I'm guessing )!?? I was able to pull up my own prior work history but lo and behold, this very one that I need, is NOT on it. All other employers were able to give me the information I asked for, after verifying it was me, over the phone and this is a bogus bad practice effort, either by XXXX 's, Equifax or BOTH. The mortgage company is not going to PAY for information, that I should be able to receive, that is my OWN PERSONAL information. If I sent this loan application through without this information, the mortgage company will STILL need the exact dates and will hinder the quick process of the application. This should not be allowed and I don't know how they are getting by with it!
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft and need some help clearing my name.
Complaint sub-issue: Information is not mine

I recently pulled my credit report from Equifax and noticed the following accounts were listed on my reports as a collection/chargeoff. I immediately disputed this information with Equifax and the results of the investigation came back as " verified ''. I did not have an account with any of these companies during this time period. All of these companies incorrectly reporting this debt and has ignored a demand letter under FCRA regulations. With Equifax continuing reporting this account as negative on my credit report it makes it impossible for me to establish new lines of credit and also tarnishes my name. I will also be filing complaints with the Attorney General of my state and pursue full legal action under FCRA regulations and defamation of character unless these debts are immediately removed from my report.
Complaint sub-issue: Account status incorrect

My payment date for my loan was XX/XX/XXXX. I was unable to make a payment via XXXX and tried via debit card for a couple weeks as their website was not showing all images and buttons to continue to payment, preventing me from making the payment via debit card instead of XXXX. It wasnt until I received an email from Figloans on XX/XX/XXXX saying that I needed to make a payment that day to prevent my account being reported as 30-days late with the credit bureau via a link to the debit card screen was I able to finally make the payment via debit card instead of my bank account and I made the payment right away in full. Soon after I made the payment, the account was reported 30-days late to the credit bureaus. I then reached out to figloans gia email as they do not have a phone number to talk to anyone letting them know that an error was reported on my credit report and it needed to be fixed ASAP. The answer I received was that they only report accurate information to the credit bureaus and theres nothing I can do to change that. I then email back with my pay schedule showing that my due date of XX/XX/XXXX payment was late, but it was not late 30-days, so they were reporting inaccurate information to the credit bureaus. I also forwarded the email I received that advised me to make payment that day to prevent negative information from being reported to the credit bureau. They have gone silent since then. Im trying to buy a house and this has significantly impacted me and my familys lives as Im now at a stand still until this issue is rectified. They are inaccurately reporting information to the credit bureaus and Im unable to get a hold of anyone for recourse as they only communicate via email.
Complaint sub-issue: Information belongs to someone else

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAS CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNT DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Complaint sub-issue: Debt was result of identity theft

Hello, I have been a victim of identify theft with Conns Corporation since 2019 and have attempted to dispute this debt with XXXX three times now that shows up as a derogatory closed account on my credit report. 
I have asked numerous times that they provide me with the steps they took in validating this debt, proof of original contract with my signature, and the steps they took under 15 USC 1581 to provide me with documents and the steps they took for the required reinvestigation. I have even supplied them with a copy of my IDtheft.gov claim number and file which clarifies this contract was fraudulent, security footage shows I never was in the store on the date which this contract was signed, and they can not provide a signature that is accurate and matches my own on this fraudulent charge. I have received a bill, but never an original contract which proves this was not identity theft and fraud. A man signed this account under my name and social which was never granted and a police report was even opened, which XXXX refuses to provide me with the original contract and loan validation that proves I was in fact, the person who agreed to this account, in store as stated by Conns where the contract was signed. I can not allow this fraudulent account to remain on my credit report and will seek out legal representation if it comes to such measures to prove I was never the individual to agree to this contract or apply for such. Thank you.
Complaint sub-issue: Their investigation did not fix an error on your report

That was my 11th lease, never dealt with XXXX before, my XXXX-year-old father was a driver of that car, very careful and infrequent driving, we returned car to XXXX dealer, nothing was told about a car condition, inspection and no papers were provided like after other leases, 1 month later I got charges for {$890.00} about multiple damages by XXXX XXXX XXXX ( AKA XXXX XXXX XXXX acount # XXXX ), I tried to call XXXX XXXX XXXX to dispute and requested send me clear pictures of damages, they keep agreeing on phone but never got pictures and just sending letters with charges again and again, I called them many times after, with last call to them in XX/XX/2018, they did not send me requested pictures of damages despite my repeated requests and sent my charges to collecting agency, I never hear anything from them sending my files to collecting agency or a collecting agency contacted me not even tried to collect, I had no idea that XXXX sent directly to Credit Reporting without trying to collect or discuss with me. I bought a boat and found that my score significantly dropped. I immediately paid that charge {$890.00} in XX/XX/2018. However, a Boat Dealer had a hard time to find a bank that would provide me a loan and one that I got charged 8.5 % APR instead of the usual 5 % ( as I was told ). 
In Spring 2018 my score was XXXX now XXXX on Equifax reporting and not getting better. I called Equifax several times, tried to file a dispute online. Whenever I call I get different answers from different people. They gave me different advises like call XXXX, which already got their payment, or close credit cards which we did closed a few, then call other car loan companies to remove inquiries. I did most what they suggested but score still stays low and not changing despite I am doing everything they say. Please help me to fix my credit score as it was not fair reporting from XXXX as we were in middle of disputing charges. Now we are planning to buy a house and I am facing significant financial charges because of all this situation
Complaint sub-issue: Problem getting report or credit score

Equifax has my credit file with their consumer relations department. The past 2 years I have not been able to access my report or score online. I have spoken with them on numerous occasions. I have yet been given a reason for this. So what that boils down to, whenever I need my report their is a charge. I ca n't even access it on XXXX. This makes it extremely difficult to monitor my report. Please help
Complaint sub-issue: Reporting company used your report improperly

N accordance with the fair credit reporting act XXXX  account has violated my rights. 

XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct  # XXXX 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 consumers reporting agency can not furnished a account without my written instructions.
Complaint sub-issue: Information belongs to someone else

2nd request. These are not my accounts..please remove them.
Complaint sub-issue: Information belongs to someone else

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Complaint sub-issue: Problem getting your free annual credit report

I went onto the free website, I received easily, XXXX and XXXX all done on website. Equifax no. Last 2 years, you ca n't get your free credit report unless doing onerous requirements plus nothing can do by email or on line. They make you do by mail, then have to make numerous copies of things and then send to them by mail. If they make it to get it this hard, it must be impossible to correct anything with them.
Complaint sub-issue: Investigation took more than 30 days

Reporting agency did not respond in 30 days
Complaint sub-issue: Their investigation did not fix an error on your report

first and foremost I thank this company for keeping my information safe. The reason for my writing is to inform you that I wrote to this company on XXXX.18 to request the removal of a fraud alert on my report. 

On seeing that they were not responding on my request. I even went a step further to call this company and they agreed to delete the Fraud alert only not to honor my request to date. 

I am attaching the request I sent them earlier as proof of my willingness to have this issue resolved. 

For yet another time please remove the fraud alert on my report as soon as possible.