Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Other problem

Due to my vacation being cancelled, I received a refund for flights and vacation package. The refund went back to my Citi Double Cash card. On XX/XX/2020, I contacted Citi via chat ( see attached documents ) to request that the money be transferred back into my bank account. The representative said it would take three to five business days to receive my money. 

On XX/XX/2020, after I did not receive the funds and still showing a very large credit balance on my Citi card, I contacted Citi customer service again via online chat. At that time, I was informed that they had to submit the request again because there were a couple of disputes on my account that were pending until XX/XX/XXXX, so the amount of my credit was changed to reflect the two disputes. I was, again, advised my money would reach my bank account in three to five business days. 

After two more attempts to get my money back ( XX/XX/XXXX and XX/XX/XXXX ) via the online chat, I contacted Citi by telephone and spoke to a manager on Wednesday, XX/XX/2020. The manager apologized for the inconvenience and reassured me that I would receive my money. He said that because of the large amount and the fact that Citi was not used to refunding such a large amount of money, they had to do a full investigation and it would only take another two to three business days to receive my money. I asked the manager if I would receive my money by Monday, XX/XX/2020. The manager replied, " You should receive it by Friday, XX/XX/2020. '' As of this date, XX/XX/2020, Citi continues to hold on to my money. The funds are still sitting as a large credit balance on my account.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$3000.00}, {$920.00}, {$3400.00}, {$5700.00}, {$120.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$920.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my account. 


-- CLOSED ACCOUNT 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 


-- COLLECTION ACCOUNT 6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$120.00} -This is not my account.
Complaint sub-issue: Account status incorrect

Closed accounts are still on report even though other credit bureaus claimed it was removed, such as lending XXXX, XXXX, XXXX XXXX, and car loans. Also investigations coming back with different responses.
Complaint sub-issue: Account information incorrect

Hello my name is XXXX XXXX and I want to report 3 accounts on my XXXX credit report that are and derogatory that do not belong to me and 2 on my Equifax that also do not belong to me as.I have been a victim of identity theft. I need to know why these are onn my credit report and why after sending 4 rounds of letters for dispute I have not receieved anything back from the bureaus I also opened an FTC for these accounts and yet they are still on my report. I will upload my ID. This is identity theft and I need this taken care of ASAP Thank you
Complaint sub-issue: Was not notified of investigation status or results

I called Equfax to inquire WHY my credit score DROPPED XXXX points after i filed a dispute with reoccurring collection accounts. 
There was NO new debt on my report only my new Dispute on Equfax.com When i called ( see screenshot ) the woman was very difficult to understand because of her foreign accent. 
She said its " customary '' for credit scores to drop because of an investigation. 
I know this to be UNTRUE as i have been disputing the same charges that Equfax keeps allowing back ony Credit Report. 
So THIS COMPLAINT is against Equfax for unethical actions
Complaint sub-issue: Used obscene, profane, or other abusive language

Several people identifying themselves as lawyers from the firm of XXXX XXXX XXXX called me and my immediate family multiple times each in the same day. The names they used were XXXX XXXX and XXXX XXXX. They were EXTREMELY rude -- even going so far as to harrass my XXXXyear-old mother to the point of tears and a XXXX XXXX XXXX. When I contacted them to see what they were calling about, they spoke extremely fast so that I could not write down the details. When I asked them to slow down so I could take notes, they became agitated. When I asked questions for clarification or further details, they became angry and said that " I didn't have this many questions while I was charging money on a credit card that I had no intention of paying. '' They proceeded to berate me, even questioning why my company would hire such an " XXXX '' to be a manager. I remained calm and asked them to do the same. I asked them to send me a letter providing me with their claims in writing, and they said if I wasn't going to make a settlement agreement immediately on the phone that they would begin court proceedings. I explained that I was simply trying to get to the bottom of their claims, but they just replied that I was being uncooperative and hung up on me. I called the financial institution they said the debt was from, and they had no record of the credit card or the debt under my name or social security number, and also told me that they were not looking to collect any money from me.
Complaint sub-issue: Threatened or suggested your credit would be damaged

XXXX XXXX {$1700.00} 2014 I bought a Laptop and took it back within 2 days and the have a 14 day return policy I dont so instead of helping me they made it as as I repo the laptop and they want me to pay the whole {$1700.00} They wont help and I feel like its messed up and not right they threaten me that they hurt my credit and and try to sue me.,.
Complaint sub-issue: Problem cancelling or closing account

I filed a dispute ( # XXXX ) in reference to judgements placed against me that were paid and even faxed court documents verifying judgements were either paid or removed at which time my equifax score was XXXX. I had trouble talking to the people at equifax and asked for a supervisor and that person could not speak XXXX any better and we got into a XXXX match and one week later I see my score was dropped XXXX points without explanation or reason and when I asked for my report they tried to charge me for it even when it has been over a year since I got my last on ( XXXX 2014 ). I feelthey are not being fair in their reporting and have made it impossible for me to obtin a home loan thru my bank and the VA
Complaint sub-issue: Information belongs to someone else

Im at wits end. I have no idea what is going on over there at the CFPB. You claim Im not the one submitting it. This to me is crazy. 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. So Im submitting it again hopefully for the last time. XXXX and Equifax have been not complying with Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the account listed below was opened fraudulently & without my knowledge, consent or authority. I provided them with documents which demonstrated this legal issue but they have ignored this documents. They claim they verified the account without providing me with any legal documents, contracts or verifiable proof they were opened by me. They are not adhering to section 605b by blocking or removing it from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need this account blocked/removed from my credit file per FCRA.

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 XXXX Equifax are 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: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable  proof, you must remove the accounts listed below. XXXXXXXX  XXXX  XXXX****, XXXX  XXXX**, XXXX  
XXXX****, XXXX XXXX XXXX**** , XXXX  XXXX   XXXX****and XXXX  XXXX  XXXX****
Complaint sub-issue: Information belongs to someone else

These accounts do no belong to me, please block and remove per 15 USC 1681c-2
Complaint sub-issue: Threatened or suggested your credit would be damaged

I called XXXX XXXX for plumbing service on or about mid XXXX. XXXX XXXX came out said he could not do the work under my leaking kitchen sink because his work required some electrical work before he could proceed. He makes a phone call and an electrician sales and service guy appears telling me I had major problems in my panel box ;, geckos, gecko urine and that sent a surge and caused my electrical outlet under my kitchen sink to short out. I needed a new panel box and a surge protector. I am XXXX years old and all I could think about was animals, urine, wet, electrical, not good. He arranged for my electricity to be turned off, the electrical guy came out to replace my panel box. He said there were No geckos, no urine, and wanted to know why I was having that work done. I contacted XXXX XXXX to tell them the salesman sold me an electrical panel and a surge protector on a lie and I wanted it back to the way I had it before. They sent out a manager about two weeks later to, what he said, gather information. A lady by the name of XXXX called a few days later to tell me that they could remove the surge protector but they could not remove the panel or I would not have electricity. and wanted to know how much I thought I should pay for the panel since they could not remove it. I said nothing since it was sold to me on a lie. Long pause. Then I asked, well how much do you think I should pay for it and she said she would have to see and get back to me. They have not removed the surge protector. I have called several times and have talked to XXXX, XXXX, XXXX and XXXX and nobody returns my calls to let me know whats going on. 
In the meantime I chose to finance, interest free for 18mos. I got no written paper work, no idea who was going to do the financing. Soon after I get bill from a GreenSky Program Loan Account for a balance of {$5600.00}, interest rate 24.99 %. I sent them an email to tell them its in dispute but they are sending me letters saying if I dont pay they will turn me in and report me to the credit bureau. I have very good credit and do not want that but at this point I do not know what to do. If XXXX XXXX would answer my calls I would pay them for the work that I did need. I do not want to deal with GreenSky, they are about to ruin my credit.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

While traveling in XXXX during the world cup, I was a victim of fraud. I have attempted to report in good faith to Citis fraud department that 6 transactions totaling {$8400.00} were not authorized. My claim has been denied without substantial explanation.

During my attempts to work with Citi Banks fraud and credit card security departments, I was not treated fairly.

I have been a Citi customer for almost 15 years and never faced a situation like this one. Citi has been unfair and misleading on handling my case, resulting in the worst customer experience I have ever had. They have not provided any evidence of how those transactions took place and failed to verify with the merchant, and continue a further investigation. Citi Bank has failed to protect me. Their practices are unfair and mediocre.
Complaint sub-issue: Was not notified of investigation status or results

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX
Complaint sub-issue: Account status incorrect

On XX/XX/2017 Hon. XXXX XXXX XXXX wrote three orders on a stipulated settlement with XXXX XXXX. The order were as follows : 1. XXXX XXXX was ordered to issue me a document to reflect a zero balance and that the debt was satisfied. 
2. XXXX XXXX was to take all necessary steps to delete the account from my credit reports. 
3. XXXX XXXX was to do no further reporting of this account to the credit reporting agencies. 

XXXX XXXX continues to violate this court order by reporting and updating the account to Equifax monthly. Equifax has the court order in their files and continues to accept and report this account against the court order. 

It was my position that I owed XXXX No Money. I had no contract with XXXX XXXX and they're constant overcharges would have cleared any balance owed. I agreed to settle because the XXXX attorney was facing contempt of court charges for failing to comply with 2 subpoenas to furnish my bills to prove my case.
Complaint sub-issue: Public record information inaccurate

Reporting the information is coming from the court house when its not its coming from a third party that is reporting under the us bankruptcy court name
Complaint sub-issue: Information belongs to someone else

I recently check my credit through XXXX XXXX website and i noticed a fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX, equifax and XXXX i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from XXXX stating that my information was on the dark web. I was also affected by the equifax breach. I have attached the identity theft report along with my social and drivers license.
Complaint sub-issue: Public record information inaccurate

lIEN NEEDS TO BE REMOVED AND MY SCORE REINSTATED ... .STATE OF MARYLAND HAS CONFIRMED THIS IS AN ERROR DOCUMENTATION ATTACHED.
Complaint sub-issue: Attempted to collect wrong amount

To Whom It May Concern : I hope this message finds you well. The reason you are receiving this message is that IC System, XXXX XXXX XXXX, XXXX XXXX, XX/XX/XXXXXXXX ( XXXX ) has a derogatory account on my credit report that is being reported incorrectly. IC System has a {$1900.00} as a derogatory balance that was last reported on XX/XX/XXXX. Please be advised that I dont owe the IC system for any outstanding phone bill. Therefore, I am asking the consumer reporting to update this information correctly and remove such derogatory and report to all three major credit agencies.
Complaint sub-issue: Billing problem

I have a vehicle loan with CarMax Auto Finance. According to the statements I've received in the mail, it appears my last 2 payments have not been applied to my account. I would imagine protocol is the either apply the payments to my account OR return them. They have not been returned. I have attached screenshots as well as pictures of the receipts of the payments issued to CarMax. One screenshot is for a {$1200.00} payment I made via my mobile  banking app back on XX/XX/2020 - which was delivered to CarMax on XX/XX/2020. I've also attached a picture of the USPS money order receipts for the money order payments I mailed to the address listed on their website for mailed payments on XX/XX/2020 ( CarMax Auto Finance, XXXX. XXXX XXXX, XXXX XXXX, IL, XXXX ). One is for {$1000.00} and the other is for {$400.00}. Again, it appears the online banking payment nor the mailed payments were applied to my account, and neither have been returned to me. CarMax has continuously harassed me with phone calls, where their agents allege they can not find the online banking payment I made, even after I provided them the transaction ID my bank gave me. They told me to communicate with my bank to trace the payment, and of course tell me every other word that " the vehicle can be picked up at any time. '' I already confirmed with my bank that the transaction ID is all CarMax needs to trace the payment, but again, their agents still claim to be unable to find the payment. The last agent I spoke with said she would try to track down the payment and I needed to call back in a few days. During this entire time, my mobile app and online account access have been suspended so I can no longer make payments with those methods ( like I normally do ). This makes it that much harder to see what I actually owe / owed and when. I do not trust what their telephone agents have told me, and any company that suspends online account access is clearly trying to cover something up. I believe they're intentionally " misplacing '' payments so as to continue to report negative information to the credit bureaus and tack on extra fees.
Complaint sub-issue: Information belongs to someone else

My name, my credit files, and my integrity all has been compromised by either theft, the dark web, Equifax breach, or the lost of my identity when my wallet stolen. I've summoned the credit reporting agencies to produce A Method Of Verification to show cause of their reportings. Never once have I received any physical documentation of these unknown and unauthorized accounts. But for some reason the credit reporting agencies relay on electronic verification, when XXXX " As a general rule of law electronic verification can not be accepted as proof. I demand that the following accounts be removed and blocked from my credit files. 

XXXX ) XXXX XXXX {$120.00} XXXX ) XXXX XXXX   {$1800.00} XXXX ) XXXX XXXX  {$340.00} XXXX ) XXXX XXXX XXXX {$1100.00} XXXX ) XXXX XXXX {$260.00} XXXX ) XXXX XXXX   XXXX {$61.00} XXXX ) XXXX XXXX XXXXt XXXX ) XXXX   XXXX XXXX  XXXX NA XXXX ) Dept of ED/ XXXX {$56000.00} XXXX ) Dept of ED/ XXXX {$31000.00} XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I have told at least 3 representatives from Bright Lending in the past that this telephone number does not belong to XXXX XXXX. It is a cell phone belonging to his former employer, XXXX XXXX. Each representative states that they will remove my business cell phone number from their database. Yet .... 

Since Monday, my cell phone records show the following calls that I ignored : Monday, XX/XX/2021 at XXXX from XXXX Monday, XX/XX/2021 at XXXX from XXXX Tuesday, XX/XX/2021 at XXXX from XXXX Wednesday, XX/XX/2021 at XXXX from XXXX Thursday, XX/XX/2021 at XXXX from XXXX Thursday, XX/XX/2021 at XXXX from XXXX On Friday, XX/XX/2021 at XXXX, I picked up the phone and spoke to XXXX who RUDLY INSISTED that Bright Lending has never called XXXX before. She refused to take me out of their database altogether as I requested, instead she said she will put me on their " do not call '' list which they will sell and cause further harassment. When they call they insist very rudely to talk with XXXX XXXX, when I tell them they have the wrong number, they refuse to hang up, they continue to ask as though I am trying to hide him. 

If I get another call from them or an associated company, I want compensation per call. I am tired of them interrupting business meetings and my work day.
Complaint sub-issue: Their investigation did not fix an error on your report

In accordance with the Fair Credit Reporting Act 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. 

On XX/XX/2022 I received a notice that my credit score had dropped XXXX points due to three late payments involving XXXX XXXX XXXX XXXX had been reported. The months reporting late were XXXX XXXX, XX/XX/2022, and XX/XX/2022. I have contacted all three credit unions, and provided them with copies of my on-time payments for the following months. In XXXX I made an on-time payment to XXXX XXXX XXXX XXXX in the amount of {$350.00}. In XXXX I made an on-time payment of {$350.00}, and in the month of XX/XX/2022, I made an on-time payment of {$350.00}. After a few weeks all three unions wrote me a letter informing me that all the information reported on my report was correct, and that they found no errors. This is incorrect, given I provided documentation proving that I indeed made on-time payments for the following months ; XXXX XXXX, XX/XX/2022, and XX/XX/2022. I would like these items to be corrected/and removed to report correctly.