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

On XX/XX/2022 fraudulent charges were made on my Citibank card, Citibank shut down my card, contacted me, and I confirmed the fraud. All of this happened within XXXX hours. At the time that the fraud was confirmed and for days later, the charges were shown as pending. 

Thereafter, Citi posted all the fraudulent charges ( {$370.00} ) to my card. I contacted Citi, pointed them to the law indicating the maximum they can charge is {$50.00} and Citibanks policy is to charge nothing. 

Citi refused to remove the charges pending their fraud investigation, claims that despite the charges being fraudulent the charges were authorized by the person committing fraud and therefore authorized and claimed Citibanks fraud investigation was delayed due to XXXX other companies being unresponsive- which begs the point - no charge should have posted to my account in the first place. 

Also, the thief posted credits to my card for some of the same amounts charged at the same vendor. Citibank caught the credits and didnt post credits but posted the corresponding charges. Funny how that works.
Complaint sub-issue: Information belongs to someone else

I disputed the account XXXX act # XXXXwith Equifax, XXXX and XXXX and the fraudulent, incorrect information is still there. 
They should NOT be on my credit profile. This is fraud. 

I disputed the XXXX XXXX account XXXX with Equifax, XXXX and XXXX and the fraudulent, incorrect information is still there. I do not know who XXXX XXXX account XXXX is. I have never signed an agreement with XXXX XXXX  account XXXX They should NOT be on my credit profile. This is fraud. 

I disputed the XXXX account XXXX with Equifax, XXXX and XXXX and the fraudulent, incorrect information is still there. I do not know who XXXX account XXXX is. I have never signed an agreement with XXXX account XXXX They should NOT be on my credit profile. This is fraud. 

I disputed the XXXX/XXXX/XXXX account XXXX with Equifax, XXXX and XXXX and the fraudulent, incorrect information is still there. I do not know who XXXX/XXXX/XXXX account XXXX is. This is fraud. 

I sent disputes about the above accounts on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX THE ERRORS STILL EXIST
Complaint sub-issue: Reporting company used your report improperly

My credit report reflects old accounts that should removed by now and it is inaccurate information that stopping me from getting Morgage loans, auto loans and credit card which is not expectable by law. Please remove
Complaint sub-issue: Reporting company used your report improperly

In Accordance with 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 15 U.S.C 1666B : A Creditor my not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have tried to get into my XXXX several to access my account, and the email address is completely different than I have. I have tried to get into the email address, and that is not a email address or phone # i have ever had before. 
I have talked to an agent at least XXXX different times over the past 3 days. 
I was told yesterday, and today that I have started a new credit account!? ( how is that possible? ) I was not on part of the credit breach, but someone decided to use my identity for the Ohio XXXX last year. 
I hope you understand why I am XXXX out! 
Please help me.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax and XXXX must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account needs to investigate and correct erroneous reporting in the file are listed on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00}
Complaint sub-issue: Account information incorrect

XXXX XXXX paid XXXX XXXX XXXX credit card # XXXX settlement amount in full in the amount of {$750.00}, payment confirmation # is XXXX. The payment in the amount of {$750.00} was paid to the collection agency that XXXX XXXX XXXX hired who is XXXX XXXX XXXX-XXXX-XXXX. XXXX XXXX and XXXX XXXX XXXX  both have informed me that credit card # XXXX for XXXX XXXX last 4 of social security number : XXXX shows a XXXX  balance. I informed them that on all three credit reports the account with XXXX XXXX XXXX  and XXXX are still showing unpaid and delinquent. All I am asking is for XXXX XXXX and XXXX XXXX XXXX correct my credit report as paid and remove all negative collection information.,
Complaint sub-issue: Debt is not yours

I Received a call from a XXXX at PHEAA, number XXXX with information, I thought was, regarding my impending hearing to address the consolidation and the converting of both my federal and private loans and the documents and notes that had been altered. He became insulting, bias, intrusive, judgemental and condescending, yet I remained calm throughout the conversation. I listened, tried to obtain answers, as to my hearing date. He told me mid to late XX/XX/XXXX. And, until then, I can send in any other documents. He told me to call the XXXX number and ask for the Hearing Dept. if I had any further questions. Today, XX/XX/2019, I receive a call from PHEAA regarding I set up a payment plan, as provided by a XXXX XXXX at PHEAA. He did not address my impending hearing or the fact that I had spoken with a XXXX the day prior. I told him to stop calling the XXXX for collection demands and that I have documentation in file and that I did not have to provide him with my E-mail address when he asked for it. He placed me on hold, when he returned, I was told XXXX was not available but, XXXX wants me to set up a payment plan. I contacted the Default collections Dept at XXXX and spoke to a XXXX. She basically told me the same thing as XXXX XXXX. I had not received any recent calls, that I am aware of, from PHEAA until yesterday, XX/XX/2019. Now, the harassment is starting again. And, no hearing, no information provided.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX XXXX # XXXX is reporting an account to my credit that is past the Statute of Limitations in California. I no longer legally owe this debt and I need it removed off of my credit report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

According to my XXXX XXXX which I monitor with XXXX XXXX XXXX, my score dropped over 100 points within a 30 day period. There were no significant changes to my credit report other than my move ( two blocks ) to a different apartment. This is not supposed to affect the credit score!
Complaint sub-issue: Funds not received from closed account

To this day I have not received a written response from Citibank in regards to the Unauthorized Wire Transfers from my account. 

I have asked for months for Citibank to review my account for Fraud. Within their VERBAL response they have said that the fraudulent activity was my fault. That is not true. Someone hacked into my Citibank account and changed the password without my knowledge. I did my due diligence and called the Bank immediately to advise of the unauthorized activity. 

Citibank failed to protect my account. They were advised of the fraudulent activity within minutes of it occurring. On XXXX but Citibank failed to do anything to try and research or recover the funds until XXXX. Their failure to respond in a timely manner to my call of unauthorized wire transfers caused the funds to be unrecoverable.

Citibanks Fraud department did not begin its research until XX/XX/2021 at which time they mailed me affidavit of unauthorized wire transfer. I completed the form and returned it within the required time. But there review was already 2 months after the person gained unauthorized access to my account and made the unauthorized wire transfers. 

Regulation E provides protection to the consumer against unauthorized wire transfers and it explains the responsibility of the bank.

Citibank failed to meet any of the requirements of Regulation E in the treatment of my unauthorized wire transfers.

1. They Failed to respond in a timely fashion and investigate the unauthorized wire transfers.

2. They failed to send a written explanation of their finds from the review.

3. Failed to advise me of my rights to request documentation explaining what was done and how they came to their conclusion. I have asked for the name of the person who committed the unauthorized transfers and the bank info in which it was sent. But nothing has been provide. Without this information I am unable to seek legal actions against the person.

Citibank failed to research in a timely fashion causing my Savings and Checking accounts to be emptied and prevented the recovery from the thief. 

After multiple calls to have the hold removed from my checking account and to have my funds issued to me I have not received them. Their letter says to call the fraud department but even those calls has not resulted in the funds being released to me. So they are still illegally holding my money after the fraud investigation has been resolved. 

Money from the IRS and from my Employer as a payroll deposit. 

I am still seeking assistance in recovering my funds and obtaining the releases of my money from account now that the fraud claim has been closed.
Complaint sub-issue: Was not notified of investigation status or results

Hi my name is XXXX XXXX. On XX/XX/, I sent a letter with respect to mistaken and obscure things on my credit report. Right up 'til today, more than 30 days after the fact, I have not gotten a reaction at this point. I feel like I'm being taken advantaged of and being overlooked. Section 611 ( a ), It expresses that inability to explore these things inside 30 days gives motivation to quickly eliminate those things from my credit report. It's been more than 30 days so they ought to be erased speedily. I request that these records be erased promptly or I will petition for suit because of the pressure you have caused me. My data was likewise affected by the Equifax data breach and may have gotten under the control of some unacceptable individual.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX AT XXXX XXXX XXXX XXXX, TX XXXX HAS BEEN SENDING ME COLLECTIONS NOTICES IN THE AMOUNT OF XXXX, I DO NOT KNOW THIS COMPANY I HAVE NEVER DONE ANY BUSSINESS WITH THIS COMPANY,THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY WET SIGNATURE ON IT,BY LAW EVERY ACCOUNT THATS REPORTED BY YOUR COMPANY MUST BE VALIDATED,IF YOUR COMPANY CANT PROVIBE ME WITH THE ORINGNAL CONTRACT WITH MY WET SIGNATURE ON IT YOU MUST DELETE THE ITEM,ACCORDING TO THE (XXXX)
Complaint sub-issue: Account terms

Under credit inquiries both XXXX and Equifax are showing XXXX hard credit inquiries. I have made XXXX ( XXXX ) transactions that would trigger a hard inquiry. 
All inquiries shown have been made without my knowledge, consent or action with companies that I have an on going relationship and should not be shown as hard inquiries, but as soft inquiries made by companies without any effort or permission on my part. Thank you for correcting this matter.
Complaint sub-issue: Information belongs to someone else

Upon checking my Equifax and XXXX  credit report I find that there are 26 and 20 hard inquiries that are Fraudulent and I want them removed expeditiously. I have sent sever disputes to Equifax and is getting told that the information is accurate when in fact I have no knowledge of these accounts. The accounts that are Fraudulent are as shown : XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX  Service : Inquiry date XX/XX/XXXX XXXX XXXX XXXXnquiry date XX/XX/XXXX XXXX XXXX of XXXX : Inquiry date XX/XX/XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX  XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX  : Inquiry date XX/XX/XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX An XXXX XXXX # XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX : Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX amount {$690.00} XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  : Inquiry date XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXXXXXX  : Inquiry date XX/XX/XXXX XXXX  : Inquiry date XX/XX/XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXXnquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX  : Inquiry date XX/XX/XXXX XXXX XXXX : Inquiry date XX/XX/XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

MY NAME IS XXXX XXXX XXXX. My family was diagnosed with the coronavirus I booked an XXXX  a couple of days before they tested positive as soon as I realize they tested positive for XXXX I had to cancel the reservation and now they wont give me a refund it really shows you how discover doesnt care about their customers and I want everybody to know that after this resolution is done with Im done banking with discover and will tell everybody I know to never bank with or have a credit card with them and if they do they better close it and the same goes for XXXX. 
They had the nerve to tell me the reason I couldnt get a refund is because if the people are traveling with me they cant grant a refund first off my sisters suffer from XXXX. I can not travel with them alone and you think they cared when I said that? Nope discover didnt either
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

For the last year and a half, I have been trying to get a completed copy of my credit file from Equifax. They will only send me a copy of the results from my dispute. They have refused to send me a completed copy of my credit report. I have called many of times informing various Equifax representatives that I am unable to access my report online. Only for them to tell me that there are no collection accounts on my credit file. I have asked to receive a complete copy of my credit file and was told it will come in the mail. It never came in the mail. My last call to them I informed them that XXXX XXXX is reporting 3 fraudulent collection accounts on my credit file. I was told by the representative that these accounts are not showing on their end. I believed them. They also told me that they will escalate a ticket to see why I can access the online report. It keeps telling me my information is not correct. Well, I was finally able to log in yesterday. The 3 accounts that were showing on XXXX  XXXX  are on my credit report and the Equifax representative all led to me when they convinced me that the XXXX XXXX report was outdated or incorrect. I feel that this is unethical and downright illegal to tell me its not on my file so that I can't dispute it as I did with the other 2 agencies.
Complaint sub-issue: Investigation took more than 30 days

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXXXXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Billing problem

this is a situation started with a huge fraud issue - the fraudulent activity was my bank account got hijacked- they went in and and disputed 4 car payments - XXXX XXXX will put money onto your account while they research the dispute- they then went and did 3 charges to negate the money that was credited to my account- which netted at almost XXXX - hence why i did not notice a change in my balance. How i found out - was when my car finance company called my - threatening to repossess my car- I then called my bank and found out the issue- I immediately disputed EVERYTHING - XXXX XXXX  then created a reverse dispute- I called the finance company bank letting them know the situation - they said call back when I hear more from the bank - well every subsequent day for 3 days they were calling and threatening me all sorts of ways- not caring that this was fraud - the last day they called- they were on the way to repossess my car - would not listen that they will get the money - and I was to surrender my car- I had to beg plead and basically sell my soul to get the money to save my car {$1500.00} - in the meantime XXXX XXXX has reversed the charge backs and the money has been sent back to their XXXX XXXX account- i have called, sent an email to forward to their accounting department as they are telling me accounting does not talk to customers - this was in XXXX - we are now mid XXXX - and still calling me for payment - no one has contacted me about either crediting my account or giving me a refund - the email I sent to them clearly had the XXXX # 's amounts - dates for the money coming back to them - I do know that I can not just eat {$1500.00} due to they do not want to research - let me talk to accounting - or even make an effort to rectify this situation- i did file a police report as well - still awaiting a call back- please help
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XXXX XXXX, XXXX, I attempted to re-finance my XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX, CA. I was doing this so I could get a lower payment amount by starting a new loan even though the APR would increase by about 1.5 %. 

I have made all payments on time. I have made all payments on ALL of my credit cards on time as well since I have re-established my credit. 

Apparently, I 've opened too many charge cards ( 6 ), and my credit score has decreased by over 100 points even though I pay them on time.

So, how is it that the credit bureaus can just keep lowering my credit score just because I am " using '' my established credit? A balance increases on a credit card ; they take points off of my FICO score. I make more than the minimum payment every month, but they do n't increase my credit score for that. I get a new account ; they lower my credit score. I have an inquiry, they lower the credit score. How is it that I get punished for NOT making payments, but I do n't get credit for making my payments timely? 

I 'm XXXX years old, and I rent a town home. I am a veteran, and I qualify for a zero down VA loan. BUT, I ca n't get financed because my score just keeps going down even though I make my payments timely. I need to move my mom in which means needing to move, but the rents here in CA have skyrocketed to ridiculous amounts. I use my cards to help my mom with medicines etc. I 'm being punished for it, and it 's taking a toll on my emotions. 

Do you have any suggestions? 

XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair credit Reporting Act this CitiCard Account has violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.