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

On or about XX/XX/XXXX I reached out to XXXX XXXX XXXX XXXX via XXXX requesting pricing to install pavers in my back yard. 

We agreed to the terms, see attached As shown on the invoice they asked for a deposit to cover the materials I paid {$1100.00} to the company for the materials On XX/XX/XXXX XXXX XXXX XXXX   XXXX showed up at my house and proceeded to prepare the yard for the pavers. Soon after their arrival it appeared XXXX XXXX XXXX XXXX was not planning to level or prep the ground as they had told me they would. When I questioned their plans one of the crew said that was not what they planned to do and said if that what you want we quit and walked off the job. 

XXXX XXXX XXXX XXXX walked off the job leaving their trash but did not deliver the materials as per the invoice. 

I filed a dispute with Citibank on XX/XX/XXXX provide them complete details. 

On or about XX/XX/XXXX I receive a letter from Citibank denying my claim stating the dispute was about the quality of service. 

On XX/XX/XXXX I call and waited on hold for ~one hour. I spoke with XXXX who informed me that once a decision was made they would not revisit the matter even if they made a mistake. After multiple request to escalate XXXX said someone from their investigations department would be in touch within two days. I have not heard back from Citibank. 

I do not know how Citibank could come to a conclusion that this was a quality of service issue given I did not receive any services. 

As with most construction jobs the up front money is for materials and the person receiving the service holds money until the job is complete and satisfied. 

My dispute was that I did not receive the materials that I was charged for and that were spelled out on the invoice. The invoice is clear the deposit is for materials. 

Citibank has made a mistake in their decision, this is clearly not a quality of service issue and is providing no recourse to resolve this matter.
Complaint sub-issue: Reporting company used your report improperly

So I sent a letter off on XX/XX/2022. To remove personal information that I do not want on my credit report. 
According to the fair credit reporting act XXXX XXXX XXXX. I have the right to privacy. 
Also, according to XXXX XXXX XXXX. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my my federally protected consumer rights.
Complaint sub-issue: Account status

I have a collection placed on my equifax by : XXXX. I sent a letter to the collection agency with a request for full debt validation on XXXX XXXX, XXXX. They received my request on XXXX/XXXX/XXXX ( I have all receipts sent by registered mail ). They sent back the total charges billed provider. However that is not a validation of the debt as described with the Fair Debt Collection Practices Act. There is no description of services rendered, explanation of how the alleged amount was calculated including interest, no copy of any signed agreement between me and the billing agency, nor was a complete payment history present with the original creditor. I sent out another letter again, requesting for validation of the debt, they had thirty days to respond according to the FAIR CREDIT REPORTING ACT. They received the second request on XXXX/XXXX/XXXX and never responded. I sent the receipts and a letter to equifax that the thirty days passed and I received no validation of my debt and I had asked equifax to remove this collection immediately. Equifax never responded to my dispute ; it has been over six months. This is not a valid collection and it needs to be removed of my credit, there are many violations in place here.
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. 

Account name : XXXX XXXX XXXX, Account # XXXX. Account name : XXXX XXXX, Account # XXXX. Account name : XXXX - XXXX XXXX, Account # 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: Debt was result of identity theft

Someone stole my identity and opened up accounts with XXXX and US bank. It was a XXXX  liquid account and I am being held responsible for debt I dont owe nor approved of. I filed a report with the police.
Complaint sub-issue: Information belongs to someone else

My ex husband was awarded the credit card debt in our divorce per the divorce decree MO case number XXXX. When I had access to the joint funds, I had paid these and had the accounts in good standing, but since the divorce, he has neglected to pay them, and it has dropped my credit score significantly.
Complaint sub-issue: Company closed your account

I AM SO FURIOUS WITH DISCOVER AND XXXX CREDIT CARD. DISCOVER CARD CLOSED MY ACCOUNT WITHOUT EVEN ME BEING ABLE TO USE THE CREDIT CARD, DUE TO A " BUSINESS DECISION '' THAT WAS MADE BECAUSE THEY WERE NOT ABLE TO VERIFY MY IDENTITY. I GAVE THEM ALL NECESSARY DOCUMENTS INCLUDING MY TAXES, DRIVER LICENSE, AND SOCIAL SECURITY CARD. NOT ONLY DID THE CLOSURE OF THE ACCOUNT HURT MY CREDIT, IT PUT MY OTHER CREDIT CARDS IN DANGER AND XXXX ALSO CLOSED MY CREDIT CARD. MY XXXX CREDIT CARD LIMIT WAS XXXX AND DURING THE PAST 6 MONTHS OF USING MY CREDIT CARD RESPONSIBLY AND PAYING MORE THEN MINIMUM PAYMENT REQUIREMENTS, BEING SUCH A GOOD CUSTOMER CLOSED MY ACCOUNT FOR NO REASON, AND ALSO HURT MY CREDIT SCORE FOR THE CLOSURE OF THE ACCOUNT. i HAVE PAID OVER XXXX $ IN CREDIT CARD PAYMENTS THROUGHOUT THE 6 MONTHS IN WHICH MY ACCOUNT WAS OPENED, MULTIPLE PAYMENTS IN A MONTH, USING AND PAYING RESPONSIBILY. SO UNFAIR THAT THEY CLOSED MY CREDIT CARD BEING A GOOD CUSTOMER, PEOPLE STOP PAYING THEIR CREDIT CARDS FOR 4 5 MONTHS AND THEY DONT CLOSE THEIR ACCOUNT, YET I HAVE BEEN A GOOD CUSTOMER PAYING MULTIPLE PAYMENTS IN A MONTH AND USING RESPONSIBILY THEY CLOSED MY ACCOUNT AFTER HAVING A GOOD HISTORY WITH THEM. AND THEY DONT GIVE A LEGITIMATE REASON AS TO WHY I DESERVE TO HAVE THE ACCOUNT CLOSED, WHEN I HAVE BEEN SUCH A GOOD CUSTOMER. I AM DISAPPOINTED IN BOTH CREDIT CARD ACCOUNTS. DISCOVER DIDNT EVEN GIVE ME A CHANCE TO USE MY CARD CLOSED IT DUE TO VERIFICATION, WHEN THEY HAD ALL NECESSARY INFORMATION TO PROVE THAT I AM THE PERSON APPLYING FOR THE CREDIT CARD WITH A VALID DRIVER LICENSE, SOCIAL SECURITY CARD AND THE IRS VERIFICATION 4506 FORM.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX, I made a transaction with a scammer for website creation to be fulfilled for {$900.00}. On XX/XX/XXXX, I made a dispute with the scammer because, by that time, there was no work done, nothing was fulfilled. I was very disappointed. I made this dispute with CITIGROUP which involved the credit card I have with them. CITIGROUP had claimed to send me a verification for me to respond to the situation but never got any notification on my account nor in my email. 

CITIGROUP has n't given me a second chance to solve this issue. They allowed a scammer to run away with my {$900.00}. And CITIGROUP is making me responsible for this loss. I 'm not happy with it. CITIGROUP needs to reconsider this situation because I 'm the victim here with no service provided for the {$900.00}. 

I tried disputing this situation over and over again but CITIGROUP is n't siding with me. 

Please help me out.
Complaint sub-issue: Information belongs to someone else

I OBTAINED A COPY OF MY CREDIT REPORT AND THERE ARE MEDICAL BILLS ON HERE THAT DO NOT BELONG TO ME. PLEASE INVESTIGATE THESE ACCOUNTS, AND SEND ME AN UPDATED COPY OF MY CREDIT REPORT.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX, Account # 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
Complaint sub-issue: Reporting company used your report improperly

I was made aware today that Equifax had a security breach, for about two months, a few months ago and just let me know that it happened. I checked with their website and they claim I am one of those affected by the breach. 

In that breach, I have had my SSN, my address, my driver 's license, and other information stolen. Now I have to put a fraud alert on my credit report to ensure that I am not a victim of identity theft, or at least to stay a step ahead. 

In fact, I recently ( around XX/XX/XXXX ) had an issue with my XXXX card where all my information was changed. My address, my e-mail, my phone number. They changed everything and tried to switch the address to somewhere I have never been and requested a new card. Luckily, XXXX saw that issue and contacted my promptly. 

It is very likely that they had my information in the first place due to this breach. I was inconvenienced and had to have my account closed and open a new one.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. Also, My information might have been impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX Equifax and XXXX are reporting 9 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XXXX and XXXXXXXX sinceXX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Complaint sub-issue: Information belongs to someone else

I was informed by my credit lender that I was not approved for a personal loan I was needing because of derogatory items on my credit history. I then decided to pull my credit and I noticed several unknown items. Please remove these fraudulent accounts from my report. Thank you. 

XXXX XXXX {$110.00} XXXX XXXX XXXX  XXXX {$500.00} XXXX  XXXX {$300.00} XXXX XXXX {$1000.00}
Complaint sub-issue: You told them to stop contacting you, but they keep trying

The debt collection company IC Systems has continued to call me every day at least 2-3 time per day even on Saturdays. I have kept track of the dates and number that they continue to call me from. The following are the dates, and numbers. 
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX The above dates are for 2021.
Complaint sub-issue: Their investigation did not fix an error on your report

I have provided this credit reporting agency ample and adequate information for them to remove requested items on my consumer report. Two of them so far to be exact. These attempts have been through affidavits that have gone unrebutted. In Law an unrebutted affidavit stands as truth. This is not the only truth. It is a fact this credit reporting agency is in violation of the Fair Credit Reporting Act. Congress wrote the FCRA to promote the accuracy, fairness, and privacy of consumer information in the files of consumer reporting agencies. Congress found that an " elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. With that being said pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' should be excluded from a consumer report. " The definition of a credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant 15 USC 1681a ( 2 ) ( B ). I am demanding that you these transactions from my report immediately as they are violation of mu rights as a federal protected consumer under title 15 chapter 41 XXXX XXXX XXXXXXXX ; Account # XXXX XXXX XXXXXXXX XXXX XXXX ; Account # XXXX XXXX XXXX XXXX  ; Account # XXXX XXXX XXXX XXXX ; Account # XXXX
Complaint sub-issue: Deposits and withdrawals

I have not been able to access my account. 
My account has been blocked from the day it was opened and I didn't know this. 
on XX/XX/2018, I called customer service and no one was able to tell me why my account was blocked. they said they'd get back to me but never did. 
on Tuesday, I went to the XXXX branch and the manager called customer service but they were not able to tell him why the account was blocked. 
On Thursday XX/XX/2018 the lady who spoke to me was very rude and she hung up on me when she couldn't tell me why my account was blocked. Her name is XXXX XXXX. 
I called back and the second lady couldn't tell me why my account was blocked either, she only said she would connect me to the branch manager,  XXXX XXXX, who happened to be very unprofessional. 
My account was blocked for no reason at all, apparently someone from the branch blocked my account, I think it was the branch manager for no reason. She is very XXXX and spiteful. 
This has been very inconveniencing for me. I can not use my money. I am livid and Citibank is known for this. 
.
Complaint sub-issue: Account information incorrect

On XX/XX/2020 I submitted my second round of dispute letters to Equifax regarding incorrect accounts XXXX XXXX  XXXX XXXX  ( is not mine ) please remove, they have not. I am requesting that they move mechants credit accounts as they are inaccurate, as well as late payments to XXXX XXXX XXXX XXXX XXXX and Department of Education/XXXX late payments as well as XXXX late payments. 

Also my name is mispelled several times and my address and employer are wrong. Please update as this is having a negative impact on my credit score, and I would like it removed. 

Thank you for your assistance,
Complaint sub-issue: Their investigation did not fix an error on your report

I filed for bankruptcy in XXXX and then voluntarily withdrew it. The bankruptcy court did not DISCHARGE IT OR DISMISS IT. I VOLUNTARILY WITHDREW IT.I disputed with all three reporting bureaus and XXXX and XXXX took it off my credit report. Equifax refuses to and says that the information they have is correct.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX  XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602A states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions Date Opened : XX/XX/2014
Complaint sub-issue: Reporting company used your report improperly

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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: Account status incorrect

On XX/XX/2021 I received an update alert on my XXXX report showing XXXX XXXX XXXX reported me 30 days past due for XX/XX/2021, which my payment was due XXXX XXXX, however I notified XXXX  on XXXX XXXX regarding I would be making a payment on XX/XX/2021. I contacted them today and inquire how I can be late 30 days its still XX/XX/2021. On XXXX XXXX, XXXX  placed me on a covid relief skip payment plan for a couple of months. I attached my payment confirmation.
Complaint sub-issue: Problem with customer service

I had private student loans with XXXX XXXX that were sold and transferred to Firstmark ( a Division of Nelnet around XXXX of XXXX. I am currently in XXXX XXXX, and some of my private student loans from my XXXX college loans had run out of standard forbearance time while they were still at XXXX. I was able to file for extended/hardship forbearance ( NOT COVID-19 related ) over the phone with proof of enrollment data from XXXX XXXX XXXX. I was last approved for this in late XXXX XX/XX/XXXX with XXXX  data. I was told Firstmark would be able to check this. I no longer have the secure e-mail from XXXX XXXX XXXX message center, but I have the e-mail notification that the correspondence occurred ( attached ), and at least one approval notice of this forbearance that I can find if needed. I was assured by XXXX and Firstmark that my hardship forbearance would remain in place until I graduated. This is what is stated on XXXX 's updated student loans website XXXX XXXX XXXX XXXX XXXX as well. My loans have been NOT been consolidated, refinanced, or otherwise modified with Firstmark, so XXXXXXXX XXXX terms should still be in place. By XXXX of XXXX I received notice that these loans had gone into repayment because there was no standard forbearance time left I know this, its why I had a hardship forbearance to begin with. When I called and tried to explain that I knew this had been approved for their hardship forbearance with XXXX before the loan was sold, and that they should have all of this on file, I was told that " they didn't do that because they weren't XXXX '' and there was " nothing they could do about it ''. I get conflicting information every time I call, and every time I ask to speak to a supervisor or anyone might be able to look up my files I get put on hold/hung up on/told I'd get a follow up e-mail but don't. They refuse to look into the original terms of my loan and keep telling me about what I can do with my student loans under their terms- as if I'd taken it out with them to begin with - when they are supposed to honor the terms I had at XXXX XXXX, including any ongoing forbearance. I have tried calling XXXX to see if they had any records to clear this up, they said they don't have them and that Firstmark should. Firstmark has not made any effort to review my documents or fix this issue ( or even contact me! ) and I dont have copies of my hardship forbearance since I filed it over the phone with XXXX.
Complaint sub-issue: Information belongs to someone else

I was informed by my banker ( 10 years ) that I was not approved for a personal loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There is unauthorized inquiries on report. After contacting a few companies who couldnt provide me with much info basically told me to contact you guys and get a report and then it could be removed.
Complaint sub-issue: Frequent or repeated calls

I receive 3-4 calls a day from XXXX. Every time I answer, the phone immediately hangs up. 

When I call the number back, a representative says the call is being monitored & asks for name. Representative then pretends that they ca n't hear me when I ask what the call is about. After the rep. says " Hello '' 3 times, they hang up.
Complaint sub-issue: Was not notified of investigation status or results

To Whom It May Concern, I am writing this letter in response to the noncompliance of Equifax. 

On XX/XX/2021 I XXXX XXXX XXXX submitted an identity theft affidavit with identitytheft.org because of two accounts that are still reporting to my credit file from a company named XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX. 

I also requested a correction for a previous employer named ( XXXX XXXX  XXXX ) that is reporting to my Equifax credit report to be removed. This employer is not my current employer and should be removed. 

As of XX/XX/2021 a certified letter with signature confirmation from the U.S. Post Office was to delivered to Equifax, and I have not gotten a response back from Equifax since this day of XX/XX/2021 relating to this investigation regarding all three of these inaccuracies. 

It has been 39 days since my dispute was received from Equifax and as of today on XXXX/XXXXXXXX, all related disputes are still currently reporting to my Equifax credit file. 

This is a violation of my rights and I intend on taking legal action as of now, and depending on the outcome of the investigation from Consumer Financial Protection Bureau I will be swiftly filing defamation lawsuit along with negligent enablement of identity theft and the violation of the Fair Credit Reporting Act. 

I am holding Equifax responsible going forward. 

I demand both fraudulent accounts and employer inaccuracy be deleted immediately because of the 30 day noncompliance that Equifax has shown or ill be forced to take legal action.