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

I purchased a XXXX XXXX  from XXXX XXXX online store ( XXXX # XXXX ) on XX/XX/XXXX, which cost me {$1100.00}. The wheelset has a problem of cutting sidewall of tires. After speaking to XXXX with XXXX XXXX XXXX ( owner of XXXX XXXX ) on XXXX XXXX, XXXX, I shipped my XXXX  to XXXX XXXX  on XXXX, XXXX and it was delivered on XXXX XXXX, XXXX. XXXX ( customer service ) at XXXX XXXX also confirmed the delivery of my return, but he stop replying my e-mails and I couldn't get any updates from him. I called XXXX XXXX and spoke to his colleague, but nothing happened. 

I filed a dispute with my Citi credit card, and the case has been resolved in my favor ( see attached ). Because I didn't see the credit applied to my account by the time I noticed ( from email ) that my case was resolved, I thought I have to withdraw my case to end the case and to get my credit back. It was only after I saw the paper mail notice ( see attached ) and the reverted credit on the recent bill that I realized that this wasn't right, Citi applied temporary credit to my account when I opened a dispute and reverted credit when I clicked on withdraw. 

But, how can a conditional permanent credit from a resolved case be reverted again? There are too many misleading things from my credit card service. 

After I spoke to the Citi dispute department, they insist that there's nothing they can do which is ridiculous. How can Citi design a system that allows customers to withdraw any resolved case cause revert of a conditional permanent credit? A resolved case on the web page should be closed, why do they give you a withdrawal bottom? They didn't provide clear information for the dispute procedure in the first place and they won't re-dispute for their customer. They ask me to speak to a merchant who now thought I got reimbursed from the credit card company I felt I've been scammed twice in this purchase, one by XXXX XXXX  and the other by Citi.
Complaint sub-issue: Investigation took more than 30 days

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately. They are a result of ID theft. Beside these items. Please remove these items which are not authorized by me as soon as possible.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX called me a couple of weeks ago to ask me to make a payment. I explained that I had never applied for a loan there, and that all three of my credit reports have been frozen for several years, so no one should be able to establish any new credit in my name without my knowing about it, so I assumed that the call was fake. 
Then, on Thursday XX/XX/2022 I received a Past Due Notice from the same company -- XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX, IN XXXX ) -- that showed a principal balance of {$22000.00} that had become past due on XX/XX/2022. I checked my credit reports online immediately, and it appears that the loan was taken out on XX/XX/2022. I believe this loan was done fraudulently without my knowledge. I have no idea how this company was able to create a loan in my name when I have freezes in place with all three credit reporting agencies.
Complaint sub-issue: Personal information incorrect

In accordance with the Fair Credit Reporting act XXXX, XXXX, Equifax has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

These addresses do not belong on my credit report. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Michigan XXXX These addresses do not belong on my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a complaint with CFPB ( XXXX ) on XX/XX/2020 on Equifax for the inaccurate reporting of the a collection account with XXXX XXXX. I received the following response from Equifax " Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. In review, the identification information you provided does not match our records. In order to properly assist you, we will need additional information in order to verify your identification and current address. Please provide a legible photocopy of a valid document that shows your name, current address and complete social security number. Listed below are examples of documents that may be provided as verification of your identification and current address : Pay stub or W2 with complete U.S. social security number, valid social security card, Driver 's license, rental/lease agreement/house deed, mortgage or bank statement, utility bill for gas, cable or residential telephone bill. Please return this letter along with the requested information to Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX ''. 

The problem with this I contacted Equifax in XX/XX/2020 regarding this same account. Along with the complaint I provided proof of Identification ( The exact same that being provided in this complaint ).

15 USC 1681i " if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller ''.

Equifax has had 3 opportunities prior to this complaint to contact the data furnisher to verify the account. That was not my initial complaint with Equifax. My initial complaint was for them to provide me with the method of verification. ( FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) 15 USC 1681i ) How did they verify the account to be accurate, who did they talk to, what information was forwarded back to them to confirm the accuracy of account. I specifically, requested that they DO NOT USE any forms of automation to re-investigate the account such as E-Oscar. 

I've never received from Equifax the information I requested from Equifax. Even today as I submit this second complaint the information has not been sent. I'm including the letter I sent Equifax requesting the information.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/17 & XXXX/XXXX/17, I paid this account off, XXXX & XXXX is showing on my report that I owe but I don't
Complaint sub-issue: Charged too much interest

I did a payoff of my Discover card balance back in XX/XX/2018 through a Home refinance, which was paid directly by XXXX XXXX XXXX ( my home mortgage company. Today, XX/XX/2018, I received an email from Discover indicated that a payment of {$65.00} was within from my checking account as I had a previous auto-payment set up on the credit card account. Knowing that I had paid the full amount of my previous balance off I call Discover and they acknowledged that they had recieved the pay for this account. However, they told the {$65.00} must have been residual interest on my account. I asked how this could since myself and the XXXX XXXX XXXX contacted Discover Card for the payoff amount. I feel this is a direct attempt from this company to extract funds that should not have been added. As a side note I have not used this card in a least three years for and direct purchases.
Complaint sub-issue: Reporting company used your report improperly

Filed several disputes issues unresolved XX/XX/2021
Complaint sub-issue: Didn't receive terms that were advertised

Had citi bank credit card. Received email offering {$300.00} bonus to open Citi Accelerate Online Savings Account. I did and did the requirements. Also at that time opened a checking account offering a bonus for the checking account also. 

I kept receiving emails offering the same bonus for opening a savings account. And also received a bonus offer in the mail for the checking account I had also opened. 

I called them XX/XX/2022 to find out why I was still receiving offers for a bonus to open a savings account and also a checking account bonus. I told the that I already opened a savings & checking account to get the bonus for both. 

I was hung up on 3 times that I called. The 4th time I called was told I did not sign up the right way so I don't qualify for any bonus. I told him that I clicked on the email to sign up. He still said I would not get the bonus. 
I opened a chat on XX/XX/2022 and was told the same thing. The guy said it was time for him to get off work so turned the chat over to another employee. This employee told me that I would get the bonus. I copied part of the chat with the second employee saying I would get the bonus. I told them I want an email verifying I would get the bonus. They will not do that. 
I checked XXXX and found they have a XXXX rating. I want to know if I leave the required money in the accounts for 60 days if I will or will not get the bonus and if not why? I was given so many outrageous excuses that I don't trust them. I also signed up to have both my monthly checks deposited in the checking account. 
I never had a problem with the credit card and had no idea they were dishonest.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

These are the inquires that on my credit report. I filed a police report on XX/XX/XXXX, and I sent all of the documents to Equifax by certified mail and they refused to remove them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Company closed your account

I was approved of a Citi Premier credit card on XX/XX/2021, with the bonus of XXXX Thank You Points after spending {$4000.00} within 3 months of account opening. The annual membership fee for this card, {$95.00}, was posted to my account on XX/XX/2021. It was fully paid a few days later. On XX/XX/2021, Citibank unilaterally closed this account after alleging me of " providing inaccurate information '' on a transaction dispute. I have absolutely not provided any inaccurate information to my knowledge in any of my disputes that I submitted to Citibank. Citibank conveniently charged me {$95.00} for the membership for the whole year, only to close my account less than a month after this membership fee was paid -- I basically paid {$95.00} for less than 2 months of membership for this card. This is an obviously shameless infringement of my rights as a cardholder to submit disputes to a reasonable degree. Citibank must be held accountable for this disgusting behavior to take advantage of vulnerable individual cardholders and reinstate my account immediately with an opening bonus after I complete my required spending requirements.
Complaint sub-issue: Their investigation did not fix an error on your report

I SUBMITTED DISPUTES TO VALIDATE THE FCRA VIOLATION PER INCORRECT CREDIT ACCOUNTS LISTED ON MY CREDIT REPORT. THE CREDIT AGENCY REFUSE TO REMOVE THEM EVEN AFTER PROOF WAS PROVIDED TO THEM THAT THESE ACCOUNTS WERE IN ACCURATE.
Complaint sub-issue: Didn't receive enough information to verify debt

AR Resources showed up on my credit resport after sending a certified letter on XX/XX/XXXX To XXXX XXXX XXXX XXXX to validate two accounts that showed up on my credit report in XX/XX/XXXX {$68.00} Account # XXXX {$150.00} Acount # XXXX The debt was never validated, but AR Resources name was updated.
Complaint sub-issue: Their investigation did not fix an error on your report

To Whom It May Concern, EQUIFAX BROKE THE LAW Pursuant to 15 us 1681 ( a ) ( 1 ) The banking system is dependent upon my consumer report being fair, and accurate. After taking a look at my consumer report I realized that my report was inaccurate, and this inaccurate report is unfair to me because I was never notified when this inaccurate information was furnished, and I was never notified during your companies initial investigation that you were going to report this information. 

Pursuant to 15 usc 1681 ( a ) ( 1 ) - This grave error has undermined my confidence in your companies procedures, and as a result of this I will no longer be extending credit, and if this information is not removed I no longer want my information reported in your companies database. 

Pursuant to 15 usc 1681 ( a ) ( 2 ) - Your company is a powerless elaborate mechanism. This mishap that your company has caused has ruined my reputation, and it has adversely affected my credit worthiness. 

Pursuant to 15 usc 1681 ( a ) ( 3 ) Your company assumed this role. You were not given permission by me, the consumer, or a competent court of jurisdiction. Not only did you fail in the initial investigation of this investigation as you assumed this role you also assumed the information was valid. Which is a violation of my consumer rights. 

Pursuant to 15 usc 1681 ( a ) ( 4 ) - You did not insure that this information is accurate, and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story, and never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached, and this violated my right to privacy. 

Pursuant to 15 usc 1681a ( d ) ( 2 ) ( A ) ( D ) - Congress makes it clear that a consumer report should NOT include transactions between the consumer and the person making the report. This alleged transaction that you are reporting and failed to investigate, whether or not it factually took place, can be categorized as a transaction that took place between the consumer, and the person making the report. Which means it should not be included in my consumer report, and in fact is a violation of my consumer rights. 

Pursuant to 15 usc 1681a ( d ) ( 2 ) ( A ) ( iii ) - In your initial investigation I was never given the opportunity to deny this information being communicated on my consumer report. This is in fact another violation. 

I have tried to reach out to you twice so far to no avail. On XX/XX/XXXX using certified mail # XXXX and on XX/XX/XXXX using first class mail.
Complaint sub-issue: Their investigation did not fix an error on your report

I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$13000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$1300.00}
Complaint sub-issue: Didn't receive enough information to verify debt

I have two other complaints for the same issue, but with different companies. I had a dispute with XXXX XXXX XXXX XXXX XXXX stemming from a XX/XX/2019 ER visit. That debt was sold to a collector. I disputed this charge with the CFPB XXXX XXXX XXXX XXXX, then later with a collections company. Both of them have pointed the finger at each other, and I have now received a notice from yet another collections agency, XXXX FMS for the same debt.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/22 I sent in letters to have incorrect information removed from my credit profile.
Complaint sub-issue: Information belongs to someone else

When I investigated my credit report, I realized that some of the information was unknown to me. I send a complaint to inform that I am a victim of identity theft and I sent letter to Credit Bureaus on XX/XX/XXXX to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
These items are unknown to me. Also, the information provided on some items are DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some items are mystery to me.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. Please Remove the following items listed : XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$140.00} ; XXXX XXXX ( XXXX XXXX : XXXX XXXX ) XXXX Balance : {$740.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; Chapter  XXXX Bankruptcy Date Filed/ReportedXXXX Reference # : XXXX ; Chapter  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; Chapter  XXXX Bankruptcy Date Filed/Reported:XXXX Reference # : XXXX ; Chapter XXXX Bankruptcy Date Filed/ReportedXXXX Reference # : XXXX ; Chapter  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ;
Complaint sub-issue: Reporting company used your report improperly

Equifax stored my personal information for their own benefit. In doing so, they did not provide adequate protection for that data. My information has likely been stolen according to their website lookup tool.
Complaint sub-issue: Investigation took more than 30 days

Pursuant to 15 usc 1681b ( a ) Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 15 usc 1681b ( a ) ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. The court does not disclose information with the bureaus. Pursuant to 15 usc 1681b ( a ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates.. I never gave anyone the right to put this account on my credit report. According to 15 usc 1681 consumer reports can NOT include any factual information.
Complaint sub-issue: Information belongs to someone else

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Complaint sub-issue: Problem using a debit or ATM card

Im opening the case again against my bank due a bad handling of a charge back request. I sent all the documents signed and information the bank requested on the times they needed. The bank said they never receive anything... 
Attached goes all the documents I sent to te bank with the dates to proceed to the charge back request, something they never did it. 
Old claims XXXX XXXX
Complaint sub-issue: Company closed your account

Citibank sent a notice via USPS mail that after an internal review they are going to close my account. 

I called them to find out the reason why my checking and savings accounts are being closed. Unfortunately, no one was able to give me a straight answer. I called the branch and they asked me to call the customer service, who told me to call XXXX XXXX XXXX XXXX who first told me to call the customer service and then asked me to call/visit the branch. This completing a full circle of run around. 

During this entire process, none of the agents could tell me exactly why my bank accounts are being closed - I did not have a negative balance, no overdraft, no bounced checks, a 10+ year relationship and additional Citibank products in use as well.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been a XXXX and XXXX XXXX card holders for over 3 years combine. I have never been late until the last year XX/XX/XXXX, and the reason for my lateness are because I was laid off from work and I had no source of income. I had to use my Credit cards to survive and stay afloat, in the process I missed a payment or two. I payed both cards complete off. 

In XX/XX/XXXX I was still laid off and couldnt obtain any suitable job, and the worst was yet to happen. On XX/XX/XXXX I lose both my grandmother and sister to XXXX and I use my credit cards again to pay for theyre funeral and in the process I was late again. I am asking please give me this one time good will adjustment I learned from my mistake Ive set up automatic payments with all creditors and been paying on time. The late payments are hindering me from getting approved for a mortgage loan and auto loan which I desperately since my lease is almost over and my vehicle broke down. Please I beg you to consider a late payment forgiveness towards my credit report.