Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/2021, Citi authorized XXXX transactions on my account to a store named XXXX by XXXX XXXX. 

The first transaction totaling {$14000.00} happened at XXXX and the second transaction of {$4400.00} happened at XXXX. 

I filed two disputes the next morning and at that time, Citi closed that account and opened a new one with a new credit card associated to it. I reached out to Citi 's help center and they asked if I called in to allow for charges of that amount the day of, which I did not. I've contacted Citi numerous times on the status of the dispute and all they have told me was that they are trying to contact the merchant. 

The merchant is no longer in business and seems to not have been for some time so I'm not sure why " reaching out to the merchant '' is taking so long. If the fraud team did any research into the merchant, they would realize that they don't exist anymore. 

I would also like to mention that on that same night, Citi authorized a payment by phone of {$2400.00} which I did not make, which later bounced. 

I am not able to get any real/concrete information from Citi 's fraud team surrounding their " investigation '' and all they tell me is that if they need more information, they will reach out to me. 

These transactions totaling {$19000.00} are still on my newly opened account with no end in sight.
Complaint sub-issue: Reporting company used your report improperly

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ) .On XXXX1, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of. Today on XXXX, I contacted XXXX via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now :
Complaint sub-issue: Debt was paid

I paid my total credit card purchase and now XXXX credit card are billing me with interest for not paying. 
I called XXXX credit card and I have the receipt that I paid my total debt owed! 
Macys credit card still charging me with interests!
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2017 I was informed of an equifax security breach. It was stated that " Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from XXXX through XXXX of this year. '' After following the steps to find out if I was one of those affected, I set about trying to prevent the theft of my identity. Without my given consent, Equifax allowed my information to be taken and made public.
Complaint sub-issue: Reporting company used your report improperly

In the accordance with the fair credit reporting act XXXX XXXX ( XXXX XXXX ) XXXX has violated my rights. 

15 U.S.C 1581 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: Investigation took more than 30 days

Re : CitiCard Credit Bureau Dispute Due To Hurricane XXXX ... 

Below is my most recent communication to CitiCard ... To date, they are unable to assist me because their teams were not trained on how to handle XXXX related situations / cases. Can you please assist? 

As per my discussion with Account XXXX XXXX on XX/XX/XXXX ; please review the notes on my account to expedite the removal of the late payments from XX/XX/XXXX and XX/XX/XXXX. During these 2 months, I was directly impacted by hurricane XXXX and had no power for several weeks. Since my home is located in an area that was declared a federal disaster area by XXXX, I was reassured by your team that I would not incur any late fees, penalties or be reported as late with any of the credit bureaus during this difficult time. 
As of today, all three credit bureaus are reporting these 2 months of payments as late. Can you please remove the late payments and kindly update all three credit bureaus today as I am currently in the process of selling my home and can not qualify for a mortgage until this has been resolved. 
Once both late payments have been corrected in your system, can you please fax a letter to my mortgage lender confirming the removal of such and kindly confirm that ALL three credit bureaus have been updated accordingly. Correspondence should be sent to : .. 
Thanking you in advance for your time and assistance with thisHave a wonderful evening! 

Kindest Regards,
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

I receive XXXX for myself and dependant children, on Direct Express ... XXXX mistakingly deducted {$620.00} off of my card.I resolved this situation with this entity. They canceled the transactions to be placed back on to my card ... I have called Direct Express over 50 times ... they Hang up on u!!!! I Even called Comerica bank the issuing bank under contract with the federal government ... no one picks up!! As soon as I stated direct express on automated service, it's over with for me!! ..All I want is confirmation that they are going to put that money back on my card that XXXX has already released to it. This is the money we survive on! I have minor children ..and none of these people care cuz it isn't them dealing with it.
Complaint sub-issue: Threatened or suggested your credit would be damaged

XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  Phone nu mber :  XXXX .     I have been receiving phone calls from this company stating that I am being sued for an old debt with  US Bank. I contacted US bank direc tly after the first phone call and they stated that I do not owe a debt with them & to ask the company for a validation of debt.     I received a phone call from a blocked number, when I answered the woman on the phone was from   XXXX   XXXX   XXXX   XXXX   claiming to work at a law firm. When I asked her for a validation of debt, she declined. She stated that I would not receive that from them, I would receive that from the bank and that she is going to push a button and place t his $ 4,000+ debt to my credi t report, where it will stay for 15 years. She went on to say that if I did n't pay her with in the next couple of minutes that there would be no way to resolve the debt. This woman was very rude, she would not answer any questions that I had asked. She cut me off multiple times and threated me by saying she has my social security number, birthdate, address and information about my personal owned business. She stated that she has many avenues on which she can take to collect the money owed. When I told her I needed a little more clarification on the situation, she hung up on me ... twice.
Complaint sub-issue: Account status incorrect

UPDATE ACCOUNT STATUS FOR LOANS TO " PAID '' WITH HISTORY
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I placed a security freeze on all 3 credit bureaus as I was a victim of identity theft. No one is supposed to be pulling my credit report or extending lines of credit without calling my first and no such thing has occurred. The only inquires on my report that are valid are the ones coming from XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX All other inquiries were unauthorized and I have reached out to the credit bureaus to investigate but have received no help on the matter.
Complaint sub-issue: Was not notified of investigation status or results

I have disputed accounts with the bureaus and have heard nothing. I filed disputes and saw no changes to credit, I got no letters and no correspondence. There are negative items on my account that need to be fixed. Please fix immediatley.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX is still on my Equifax even though I provided a police report opened fraudulently and XXXX and XXXX XXXX are still on my XXXX as well and they refuse to remove as well.
Complaint sub-issue: Information belongs to someone else

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I'm beyond annoyed. The account listed below was opened due to identity theft. I've provided you ( CFPB ) & XXXX with an affidavit & FTC fraudulent report to support my position. It seems EQUIFAX is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful non complying and being truly negligent. I'd like this account blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told me I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see this matter is handled. I'd like the account removed/blocked per 605b with the attached documents again... Thanks XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : XXXX Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Complaint sub-issue: Didn't receive enough information to verify debt

The 3 major credit bureaus ignored my request to provide me with the documents to verify the disputed accounts. As a result, this means that the items have NOT been verified or you can not verify any of these accounts under Section 611 ( 5 ) ( A ) of the FCRA. The unverified items still remain on my credit report in violation of Federal Law. The credit bureaus are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified these items as being reported correctly, yet no information has been provided to me. I have asked to be provided with the name of the individual, their business address, and telephone number of the individuals that were contacted to verify my accounts. The original letters were mailed out by certified mail on XX/XX/2019 and was delivered on XX/XX/2019 at XXXX for XXXX. The original letter was mailed out by certified mail on XX/XX/2019 and was delivered on XX/XX/2019 at XXXX for XXXX. The original letter was mailed out by certified mail on XX/XX/2019 and was delivered on XX/XX/2019 at XXXX for XXXX. The credit bureaus had 15 days to get me the information I requested so the information MUST promptly DELETED since it was not verified.
Complaint sub-issue: Information belongs to someone else

I NEED A INVESTIGATION ASAP! I have all kinds of bad information and fraudulent addresses on my credit report. I am in the process of XXXX XXXX XXXX XXXX  and I found all types of inaccurate information on my file. my current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX this can be verified through USPS address update. My name is XXXX XXXX XXXX please delete and all varitions of my name the are not accurate.Someone has been using my name for business and lines of credit without my permission. My proper DOB is XXXX my SS is XXXX please delete SS XXXX and SS XXXX they are not mine. The following addresses are not correct please delete : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX SQ XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX The following numbers are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX my current and only employer is XXXX XXXX. please delete the following employers I am not affiliated with any of them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Complaint sub-issue: Frequent or repeated calls

Beginning with XXXX XXXX XXXX selling my loan to Seterus, debt collection their customer assistants and " supervisors kept informing me that I had filed for bankruptcy ( I have never been in bankruptcy ) 3 months and numerous phone calls yielded only idol promises that it would be taken care of without any success, so I could not make my first paymentand then a second payment and into the third payment which were in my bank waiting to be processed to Seterus. I finally spoke to someone that returned my call 20 minutes after we had spoken to inform me that I was right there was no bankruptcy but now they would need all 3 months of the mortgage including late fees. Due to a hardship I have fallen behind 2 months on my payments and had filed for modification. Once again the constant problems continue either I was getting letters stating they had not received all paperwork that had been included in the first request. Resent paperwork 3 times now. They were going to allow a forbearance due to a box that was checked, on the paperwork, that should n't have been. Resent All required paperwork once again with a detailed hardship letter and now less then two weeks later have now received a letter stating they can not approve me for a modification due to fannie mae stating that my financial information has been determined that I am not at risk of default because I did not document a financial hardshiop that has reduced my income. Could n't have been much clearer than then the hardship letter explaining my part time job had been discontinued in XXXX thereby deducing XXXX a year less. And because I am a senior citizen, plus, I really have very little options on positions in my marketplace. This would seem to be a conclusion for any cooperative company that it will be difficult to continue my current mortgage payment at the amount it is at now. In addition have received two letter stating that they are going to start the procedure for foreclosue. ( What ) I have equity in my home I can sell it but because this spot and land has been in the family for 70 years and my husband and I built this home 24 years ago ( he passed away XXXX ) I really choose to be able to continue living here. 
I have worked in the real estate and mortgage company for 40 years but I have never found a more difficult and almost impossible, to understand, company as XXXX has been.
Complaint sub-issue: Problem using a debit or ATM card

XX/XX/2020 - I opened Checking and Savings accounts with Citibank. I transferred {$2000.00} to Checking account. 
XX/XX/2020 - Someone stole letters with a Citibank debit card and a pin code. 
XX/XX/2020 - Someone used the stolen debit card to make purchases in XXXX and XXXX in the amount of {$640.00}. 
XX/XX/2020 - I checked balance and found unauthorized transactions in my account. I locked the debit card immediately, called to Citibank and created a claim. 
XX/XX/2020 - XX/XX/2020 - During few months I tried to return my money from Citibank. It is second complaint about this issue. More details about my steps in the first complaint XXXX. 
XX/XX/2020 - I created first complaint in Consumer Financial Protection Bureau. 
XX/XX/2020 - I received a response from Citibank through CFPB that my claim for Checking account was reopened. First complaint was closed in that time. 
XX/XX/2020 - Citibank denied my claim for Checking account again in the third time. 

Additional details for investigation : - I had never received the debit card. I didn't authorize anyone to use my debit card. All transactions from the debit card were unauthorized. 
- Purchases happened XX/XX/2020 in XXXX XXXX, CA and XXXX, CA. I was in a trip in XXXX XXXX, CA from XX/XX/2020 to XX/XX/2020. You can check my Costco Anywhere Visa Card by Citi-XXXX which have transactions for the whole period of my trip as a prove. I attached the file with transactions. Also, I attached XXXX receipt for that time. I went to the trip together with my wife and my friends. They can be witnesses. So, I was physically out of town and I wasn't able to do that purchases. 
- I had never received letters with the debit card and pin code. Please check USPS tracking data when Citibank mails were delivered. I notified USPS Informed delivery service about missed mails for XX/XX/XXXX. Feel free to compare tracking data for Citibank letters with my missed letters. 
- My mailbox wasn't broken. I didn't share keys from mailbox with anyone. XXXX XXXX XXXX XXXX leasing office is aware of my problem and they changed the lock in my mailbox. 

Questions to Citibank : - My debit card has " Zero liability guarantees ''. I notified Citibank about fraud in few hours as soon as I found unauthorized transactions. In accordance with the law and my Citibank debit card agreement I should not be responsible for unauthorized transactions. I didn't authorize anyone to use my card. Should I provide any additional form to claim it? 
- Why debit card letter and pin code arrived at the same day. It is a big security flaw. Why should I pay for it? 

Note : Another claim for Citibank Savings account is still in progress. I sent " Signed Statement of Unauthorized Use Request '' form for Savings account XX/XX/2020 to Citibank.
Complaint sub-issue: Other problem

Upgrade refuses to authorize a chargeback on my XXXX for {$50.00}. 
The merchant refused my refund request, so I requested a chargeback. 
I sent all of the info Upgrade requested.
Complaint sub-issue: Information belongs to someone else

There are 5 accounts on my credit report that are not mine they have not been approved signed used by me this is a case of identity theft and I have been trying to get thru to the bureaus regarding this but after multiple letters that have been going out since XXXX of this year nothing is being done about this. I need some assistance Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account INQUIRIES Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2019 Creditor Name : XXXX XXXX XXXX Date : XX/XX/2019 Creditor Name : XXXX XXXX XXXX XXXX Date : XX/XX/2019 Creditor Name : XXXX XXXX  XXXX XXXX Date : XX/XX/2019 Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2019 Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2019 Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2019 2019