Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Old information reappears or never goes away

Equifax is knowingly reporting negative information from the following creditors : XXXX XXXX : Despite the information in its entirety is inaccurate, outdated ( XXXX ) and unverifiable. I have requested to Equifax to have this information removed, corrected or validated, however, Equifax continues to knowingly report the information. For example, it reports that my last payment was in XXXX. This is incorrect, the last payment was made in XXXX and it went delinquent in XXXX and another activity has occurred since XXXX. 

XXXX XXXX XXXX : It is reporting as a charge off, however, this account was paid on time from XX/XX/XXXX to XX/XX/XXXX, at that time it was incorporated and paid through Chapter XXXX bankruptcy and recently it was discharged in Chapter XXXX bankruptcy Equifax is reporting the information being reported was updated and accurate as of XX/XX/XXXX. I have notified the reporting agency that they are reporting inaccurate information and I have asked them to verify the validity and description of the debt. Equifax continues to report the information has been verified and no changes will occur on my report. When I try to redispute it Equifax reports that I am disputing a previously disputed information and refuses to change it. 

XXXX ( XXXX ) : This information is also being reported inaccurate. It is being reported that the amount was charged off and the amount charged off is inaccurate. Equifax reported its accuracy as of XX/XX/XXXX. These account was discharged within my bankruptcy and is not charged off.
Complaint sub-issue: Overdrafts and overdraft fees

On XX/XX/XXXX I ordered 24 Sweatsuits, 24 T-Shirts , 24 Beanies, & 24 Ski Masks from XXXX  XXXX  XXXX The production was scheduled to be completed in 14-21 business days. I was told that Id be notified once my order shipped out. I reached out to XXXX XXXX on XX/XX/XXXX to inquire on when I could expect delivery and they emailed me back on XXXX XXXX representative said he reviewed my order and it was scheduled to ship out by the following week. I didnt hear back from them so I emailed again on XX/XX/XXXX to which they didnt respond. 

On XX/XX/XXXX Posh Union sent out an email stating that due to COVID-19 they were unable to fulfill orders and take on new customers. The email also stated that they were issuing refunds or you could wait to have your order fulfilled. If the customer couldnt wait for XXXX XXXX to issue a refund they urged them to file a claim with their bank but I wanted to see if getting my merchandise was still a viable option so I waited. I never received my merchandise and never heard from anyone at XXXX XXXX since. They had an automated email reply, their website was no longer working, and they are unresponsive on XXXX. 

I filed a dispute with Citi Bank 3 times in order to get my funds back but they only returned the {$100.00} I paid to have the custom neck labels done. Each time they said they couldn't help me with my dispute. I have been left without products and now my account is- {$1600.00} because of the banks decision to not refund me for the products I never received.
Complaint sub-issue: Information is not mine

Equifax XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX SS # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX ACC # XXXX XX/XX/XXXX XX/XX/XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX XXXX SS # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Debt Reporting act XXXX XXXX XXXX XXXX Acct # XXXX, has violated my rights.

15 U.S.C.1681 Section 602 A. States that 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.
Complaint sub-issue: Information belongs to someone else

Hello Today 's date is XX/XX/XXXX i have tried on a few occasions to get rid of hard pulls that were fraud that i never applied for. Which I will fill you on the ones I am talking about. XXXX XXXX Inquiry from XX/XX/XXXX, XXXX  Inquiry from XX/XX/XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX and XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX. All four of these show up on my equifax and to the best of my knowledge i never signed anything or agreed for them to run my credit and would like removed off my credit report.
Complaint sub-issue: Reporting company used your report improperly

I was looking at my credit report and noticed that it was some inquires on my credit that was not authorize by myself. I have contacted the credit bureau to inform them of the inquires and then was told that the inquires could n't be removed until after 2 years. The company and dates are as follow, XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XX/XX/XXXX, XX/XX/XXXX.XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. This is all from XXXX Credit reporting.
Complaint sub-issue: Didn't receive advertised or promotional terms

Credit Karma gave me false information that I was approved for a credit card and that my approval was above average based on my credit score. I was subsequently denied and my credit score took a hit.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX   ( ORIGINAL CREDITOR : XXXX XXXX XXXX )
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2020, I purchased three airline tickets with XXXX XXXX, XXXX for the amount of {$1000.00}, but due to COVID-19, the XXXX government banned all entrances to the country ( documents attached ) and flight was cancelled BY AIRLINE. I did have to find out all by myself since XXXX   notification was sent to us, two days after travel s date, ( please see attached, copy of e-mail sent by Airline on XX/XX/XXXX, when flight date was XX/XX/XXXX ) of flights cancellation. Now Airlines refuses to give us back the permanent credit to our account, arguing that I purchased a non- refundable ticket. As I had explained to the credit card ( Citibank ) and Airline, THE FLIGHT WAS CANCELLED BY AIRLINE, how were we supposed to flight. 
Meanwhile credit card company, CITICARD, has been just staging, our rights back and forth with the merchant ( XXXX XXXX XXXX VA ).  We have provided documentation to the credit card company that by law, stated by Aviation Consumer Protection by US government, passengers are entitled to a refund of the ticket if flight is cancelled and even if schedule changes. 
Every time Citi receives a reply from the merchant, our rights are waived and amount is charged again to our account.
Complaint sub-issue: Their investigation did not fix an error on your report

Accounts on my report I do not recognize
Complaint sub-issue: Application denied

I was looking for a buy now pay later sort of thing and I found a company called Sezzle and they gave me a {$750.00} credit on their virtual card and when I went to target 's website to buy gift cards for {$750.00} they cancelled my order, took my money and revoked my virtual card.
Complaint sub-issue: Trouble closing card

I received, absent of any solicitation or notice, XXXX XXXX XXXX debit cards from " Cash App ''. I did not sign up for, request or demand this service. Upon trying to contact the company, I was informed there are three methods to contact them : through their website, which simply explains the other options, a 1-855 number which also merely lays out the other options, and the option to use their app, which I do not have an account with. It is explained on the site and on the automated system that there is no option for live phone support. There is no straight forward option to dispute this situation, and very little information is provided in the mailers I received. I am concerned that someone may have used my identity to request these items.
Complaint sub-issue: Problem accessing account

I have over XXXX in my CashApp and I dont have the old phone or email I had when I made the account so I have no way to verify the log in but I have proof of identification I have state ID card past bills and I know the password to the account I just cant get past the verification I have tried to call multiple times theres no way for me to sign in or get the funds from my account and I need to access my money. I have XXXX XXXX  proof to verify who I am just not an old phone and they basically said I cant have my money that I know is there. Thank you, I just really need help.
Complaint sub-issue: Information belongs to someone else

There are three accounts that were opened fraudulently on all three bureau 's. XXXX XXXX. XXXX XXXX, Equifax. XXXX XXXX, It was opened on XX/XX/XXXX reporting a $ XXXX limit, XXXX XXXX XXXX It was opened on XXXX/XXXX XXXX a {$520.00} limit loan, XXXX XXXX. It was opened on XX/XX/XXXX reporting a {$56.00} balance, I did not open these accounts, I did not sign my name on any of these accounts. I do not know who stole my identity to open these accounts, I previously disputed these accounts with all 3 bureaus, they have refused to take action to remove these XXXX accounts, nor have they provided me with any documentation verifying how they came to the conclusion that these accounts belong to me. They never said what person verified these accounts, they never presented any documents bearing my signature. Fair Credit Act Law states that they must verify, and provide evidence backing how and who verified the accounts. Once again I haven't received any such documents. I also provided a Ftc Identity Theft Report to back my claims.
Complaint sub-issue: Attempted to collect wrong amount

On XX/XX/21, I purchased furniture from Conn 's Appliance , Inc. invoice XXXX in XXXX, VA. The amount of the items purchased was {$4200.00} ( with fees XXXX + XXXX + XXXX ) a total of {$4600.00}. However the amount of the contract was for {$5800.00}. An overcharge of {$1100.00}. The math is wrong. ( The Lamp and end table were promotional items and were paid for in cash ). I was also charged for a Gaming Desk which purchase was cancelled. In addition the service contract was cancelled inadvertently without my knowledge. Attached please see a copy of the contract.
Complaint sub-issue: Trouble with how payments are being handled

After graduating XXXX XXXX in XXXX 2017, I submitted a request for an income-driven repayment plan with my prior loan servicer ( XXXX ) which was approved with a payment of {$0.00}. When I began my residency in XX/XX/XXXX, I applied for PSLF as I would be working for a XXXX XXXX. I was accepted at that time but switched to a different loan servicer, XXXX. I then received notice that I would need to begin paying back loans on the standard repayment plan. After spending much time on the phone, I was told that I would need to reapply with the same form for an IDR plan again. Their explanation was that my prior servicer did not forward that information to them. Some time later, I receive notice that I was rejected for IDR plan since I did not supply my spouse 's income information. I do not have a spouse. Again, after another phone call during work hours in my XXXX XXXX, I was able to correct this information and get approved. I received an email confirming my enrollment in an IDR. However, this IDR would not go into place until at least 1 month after my grace period ended. Somehow, even after submitting my income information, I received a bill for over {$2000.00} to be paid one time before my IDR would begin. XXXX 's explanation is that their bills are made 28 days prior to due date. So, because of their error, I was forced use forbearance and capitalize my loans once again. I am actually calling XXXX right now to correct the type of IDR they have given me. This experience is not unique. At least 4 other residents in my program have had the exact same experience. It is unacceptable that it takes 6 months or more to correct this issue. Working people do not often have the luxury to make this many phone calls. I also believe more interest is accruing as a result of these practices and errors.
Complaint sub-issue: Information belongs to someone else

I did not consent to, authorize, more benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX : XX/XX/2021
Complaint sub-issue: Reporting company used your report improperly

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX and XXXX XXXX XXXX  XXXX have 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 an account without my written instructions.
Complaint sub-issue: Personal information incorrect

Approximately XX/XX/XXXX, I contacted Equifax to correct my account as I am a non resident of XXXX and hence, I do not own SSN or ITIN. My XXXX SIN is reported in the system and for my most explanation, it looks identical to ITIN and it should not be there!! 
I offered them copies of my XXXX documents to prove so they 'd correct my file, however, this is getting no where as I am transferred back and forth. I know for a fact is that they do credit reporting, they HAVE to CORRECT any improper information under reviews rather than turning customers away.
Complaint sub-issue: Account status incorrect

the attached letter is regarding a XXXX XXXX XXXX auto loan account i have and making payments on on time with out any delinquencies, the creditor XXXX  XXXX XXXX has reported an inaccurate late payment delinquency for the XX/XX/2019. 
please find attached the letter that after discussing this with them they have changed their decision and made update on the account, but the bureaus such as XXXX, equifax and XXXX  are not updating their reports, please help to have this inaccuracy updated from the reporting agencies thank you
Complaint sub-issue: Debt is not yours

On XX/XX/2020 I recieved a letter from Unifin, Inc. indicating I had a past due account. They are attempting to collect a debt that the statuate of limitations has expired. They have represented in a deceptive way that the debt is still owed. They have placed the notice that the statuate of limitations has expired on the debt on the back of the first page of their letter. They further have placed the print indicating that there is a second page in an area that makes it easy to not notice it. This is very obviously an attempt to comply with the law while attempting to conceal important legal information from consumers.
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. 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. 
XXXX XXXX  or leases Total balance : {$22000.00} XXXX XXXX XXXX LATE PAYMENT Balance {$22000.00} Balance updated XX/XX/XXXX XXXX closed account XXXX loans Total balance : {$30000.00} XXXX XXXX XXXX  Balance {$30000.00} Balance updated XX/XX/XXXX 6 closed accounts XXXX loans Total balance : {$690.00} 2 closed accounts XXXX Total balance : {$250.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX 
XXXX {$250.00} XXXX updated XX/XX/XXXX Collections can stay on your credit report for up to 7 years from the delinquency date, but they typically affect your FICO Score less over time. 
XXXX These lenders have accessed your credit file : XXXX XXXX NA Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

XX/XX/2020 I cancelled 4 Excusurions with XXXX ( due to Covid in XXXX ) total {$940.00}. All were 100 % refundable, no penalties, nothing. 

Unfortunately it was for a my account that had cancelled earlier with Citibank ( since they couldn't stop a fraud charge monthly coming through, they said they would block it, they never did ) .So we couldn't file a dispute claim on line the 'usual ' way. 

We couldn't reach Citibank by telephone as they never picked up the phone after waiting 1 1/2 hr on line ; and at that time Citibank also removed their chat button too on their website So we ( myself and wife ) wrote a letter to Citibank, faxed it to them XX/XX/XXXX to fax # XXXX & XXXX. Two fax # 's as Citibank mortgage company emailed us directly, saying they recently changed fax # 's and they would forward to the billing disputes. 
This letter was sent certified to them XXXX, see attached, # XXXX which included the cancellations from the XXXX website showing 100 % refund. 

My wife, XXXX, emailed directly to XXXX the same information on XX/XX/2020 at XXXX, XX/XX/2020 at XXXX, XX/XX/2020 at XXXX, XX/XX/2020 at XXXX. 
Every above email included letter to XXXX, letter to Citibank, certified mailing to Citibank, and the docs showing the 4 items were cancelled, in addition to my husband 's previous c/c statement. 

If you see the email sent to them on XX/XX/XXXX, this complaint is for the Second issue ; the 1st one XXXX finally sent them back a response which Citibank said they would advise me in 10 days of their response. 

We also sent a certified letter to XXXX too on XX/XX/XXXX demanding an immediate full credit be sent now. 

Furthermore I received a call on XX/XX/XXXX at XXXX from XXXX, from a Citibank Rep, XXXX XXXX who said that they received the letter. He asked me if this was fraud. I said " didn't you read the letter, it clearly reads I cancelled the transactions, showed proof of the transactions, it isn't fraud. I am trying to have you file a dispute ''. He said " then I can't help you I am only in fraud ''. 

They have never replied by email or by letter, or a follow up call from the correct department since XX/XX/XXXX XXXX I was ready to scream. Citibank got the letter ( or their Rep wouldn't have called ),  they didn't read it correctly, and now wont ' file the dispute for these 4 charges which I have every legal claim for the $ to be reimbursed to me immediately in full 100 %
Complaint sub-issue: Information belongs to someone else

EXPERIAN HAS SOME ACCOUNTS ON MY CREDIT REPORT THAT ARE NOT MINE AND IN VIOLATION OF THE FCRA. 
ACCOUNTS- XXXX XXXXNOT MINE XXXX XXXX XXXX XXXX   XXXXNOT MINE XXXX XXXX XXXXNOT MINE XXXX XXXX  XXXXNOT MINE XXXX XXXX XXXX XXXX XXXXNOT MINE XXXX XXXX XXXX XXXX XXXXNOT MINE XXXX XXXX XXXX0NOT MINE XXXX XXXX XXXXNOT MINE XXXX  XXXX  XXXX  XXXXNOT MINE
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/21, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. I hopes that I can get some assistance in reaching these credit bureaus. They are unlawfully reporting late and missed payments on my credit report during the pandemic. I wasn't able to work during those times when the payments were missed and they aren't giving any consideration and I have submitted my compliant over a month ago and still haven't gotten any results. Please help me get these accounts updated and get my credit back on track.
Complaint sub-issue: Billing problem

Please see the attached letter with a detail of the chronology events in this matter. 

I have removed all of my personal information, but left the details of this matter. 

This is against PNC Bank National Association. They have not applied the payments received on my auto loan as instructed, nor do they try to resolve the issue. I became aware of this issue on Wednesday, XX/XX/2021 and it remains an issue. 

Furthermore, I have spoke to several individuals with PNC and they all have a different excuse as to why this was not handled properly. 

I can send you the exhibits which are proof of how this loan has been handled. These will need to be confidential since they have names and account numbers on them.