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

Discover Chargeback Dispute # XXXX Discover disputed charge, that still has not been resolved since XXXX of XXXX. This involves a charge dispute, I was told to file by the XXXX XXXX XXXX, regarding a {$100.00} gift card issue at point of sale in which I did not leave the store with the gift cards paid for on the Discover card because the XXXX self-checkout register could not produce a gift card receipt. I opened a charge back for this in XX/XX/XXXX. 

After months of it not being resolved, I even made a special trip into XXXX to discuss with the store XXXX named " XXXX ''. She said she closed it out as undisputed, meaning not challenging the charge back and should all be good. Now recently, Discover keeps adding the charge to my statement as recently as the last XXXX days, then possibly refunding with some activity on my statement as recently as yesterday XX/XX/XXXX. It's been an on again and off again cycle for months. Now I see it again on my statement for a second time, being added and possibly re-credited. 

It's time for Discover to officially refund this charge and close out this case in my favor as the customer who did not even leave the store with the gift cards paid for with my Discover card. I did what XXXX 's XXXX told me to do, which was dispute the charge, and since XXXX states they are not challenging my charge back.
Complaint sub-issue: Information belongs to someone else

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Funds not received from closed account

I write to you about my Citibank banking account I opened while I was studying in the US. 

On XXXX XX/XX/2017, the Bank notified me by mail that they were taking action to close my account, and they wrote to me that they were going to mail me a check for the remaining balance in my account after it closes ( almost XXXX XXXX usd ). 

I didn't take any action and just waited for the check. 

Subsequently, on XXXX XX/XX/2017, the Bank confirmed to me by mail that my account had been closed, but, contrary to what was written in the previous letter, they asked me to provide instruction otherwise the funds were being held by a Citibank branch. 

So, on XXXX XX/XX/2017, I wrote the instruction, but unfortunately, I haven't received anything so far. 

Later, I called Citibank several times and wrote them a couple of letters requesting to send me back the remaining balance. 

Citibank has never answered to me and they still keep unlawfully my money.
Complaint sub-issue: Information belongs to someone else

I have sent in many police reports and disputes with no real acknowledgement of how these things got on my report and they refuse to tell me how this happened this is my last resort before legal action against all parties involved. identity theft victims should not be subjected to this kind of treatment.
Complaint sub-issue: Information is missing that should be on the report

XXXX Date opened : XX/XX/XXXX XXXX Date opened : XX/XX/XXXX {$330.00} I pulled my credit report and noticed I have 2 accounts in collections reporting with no account name, address, or phone number. How can this information be verified without proper documentation? I sent a letter to Equifax letting them know and requesting it to be removed immediately and it has been over a month with no communication from them. This kind of information is tarnishing my name and making my credit account look really bad to other potential creditors. I attached a screenshot of the reporting so you can have a visual of what I am seeing.
Complaint sub-issue: Their investigation did not fix an error on your report

Please be advised this is my XXXX  WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite XXXX written requests, and the XXXX XXXX XXXX XXXX  stating that this item will be removed from my credit, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX09 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. XXXX XXXX XXXX  XXXX XX/XX/2021 XXXX
Complaint sub-issue: Personal information incorrect

Please be advised that you are reporting the wrong address information on my credit report. I am in the process of a new loan transaction and the error is causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

This doesn't give me an option to select multiple issues with this company. For one thing, I do not know what this debt is and I've disputed it and asked them to not call me. I've also written a formal letter about the debt. I decided to answer a call last night from an unknown number that happened to be them calling again. Upon answering the phone, I had to say hello repeatedly because no one answered. Finally, when someone decided to answer they said, " Are you okay? " ... HM, that's strange, you called me ... decided not to say anything for a good 10 seconds and you're asking if I'm okay? After that little conversation the girl, who claimed to be XXXX, wouldn't stop arguing with me and raising her voice. I tried multiple times to get the company name, where they are based out of, a different phone number, her full name, why they won't stop calling, among other questions during this conversation. XXXX, only wanted to tell me her first name and the company name, ERC. She provided no other information and tried to dispute the FACT that they won't stop calling me. This is unbelievable and these people NEED to stop calling me before I get a lawyer involved.
Complaint sub-issue: Problem with rewards from credit card

I have been a Citibank customer since XXXX. I had XXXX ThankYou Points expired on XX/XX/XXXX, because I changed the products of my credit cards from Citi XXXX to Citi XXXX XXXX two months ago, and all the points accumulated through my spending on these credit cards expired in 60 days. It had taken more than three years to accumulate these XXXX ThankYou Points. I understand the terms and conditions of the ThankYou rewards program which state the accumulated ThankYou Points will expire in 60 days if I close the related accounts or transfer them to other Citi cards that are not able to accumulate ThankYou Points. However, I never close my Citi accounts, but I just transferred the cards to Citi XXXX XXXX that is indeed able to get cash back and then transfer to ThankYou Points at a $ 0.01:1 ratio, which I thought should be in the ThankYou account family. Therefore, I was totally not aware that my ThankYou Points would expire after I made the product changes. I think the terms and conditions of the ThankYou rewards program is misleading and confusing. Furthermore, I never receive any reminder or notification from Citibank that my ThankYou Points would expire soon. Actually, I did receive an email from Citibank on XX/XX/XXXXXXXX  right before the expiry date ( attached for your information ), which told me I could redeem my ThankYou Points in many ways, but it mentioned nothing about the expiration soon in two days through the whole email. In conclusion, I am very angry about the expiration of my ThankYou Points accumulated in the past three years, with the misleading T & C and without any reminder from Citibank.
Complaint sub-issue: Can't get other flexible options for repaying your loan

I have been trying to get a IDR and loan forgiveness for a year now. Each time it is denied need this paper that paper, to which they already have it is never ending. 

I cant keep doing this with phone calls and paperwork. Its exhausting to say the least I need help.
Complaint sub-issue: Debt is not yours

AFTER LOOKING AT MY CREDIT REPORT I WAS HORRIFIED TO DISCOVER THAT ENHANCED RECOVERY WAS REPORTING A DEBT THAT IS NOT MINE. I REACHED OUT TO THE BUREAUS TO HAVE IT REMOVED. THEY FAILED TO DO SO. I REACHED OUT TO ENHANCED RECOVERY AND INFORMED THEM OF THIS ERROR AND THEY HAVE NOT LAWFULLY REMOVED THE ITEM.
Complaint sub-issue: Account information incorrect

I have submitted a dispute letter to Equifax on MY behalf regarding a debt they have placed on my credit report. I have asked them the following : I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Im requesting an investigation because I felt the item was not being reported legally. How was this information verified? Prove that this listed debt belongs to me and not someone else. Im request for sufficient legal proof under the FCRA. 
Information in dispute : XXXX XXXX Acct. # - XXXX Amt. {$93.00} Enclosed with your response to the above questions I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response. A template response will not be an acceptable response. If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent deletion of this item from my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

My identity was stolen. At the early part of 2016, I started to receive telephone calls from several credit card and a exercise equipment company stating that I had taken out credit and had began to go delinquent in my payments. I filed a police report and provided it to all the creditors that I did not recognize on my report. While some companies have removed the fraudulent accounts from my report, Citicards/Citibank is one company that has refused to do so. I hired an attorney to handle this matter for me. He stated that XXXX would only agree to settle the balance that had now charged off. I made all the installments to pay it in full. However, the impact of identity theft is still affecting me because this shows as a negative entry on my credit. I would like for Citicards/Citibank to take in consideration all of the documentation I 've provided on identity theft and the great lengths I 've gone to get this rectified. I have disputed this in writing and directly through the bureaus but no one will listen to me! I have even agreed to pay money back that I never received. I want them to remove this from my credit report because we NEVER were in business on this account and they have come out the victor by getting money from me anyway.
Complaint sub-issue: Information belongs to someone else

While reviewing mortgage document while buying house noticed something coming up on our credit report that was not our.
Complaint sub-issue: Problem using a debit or ATM card

XXXX  of this year, I received a new debit card in the mail from  TCF  Bank. I activated the new card promptly. I live in  XXXX , and most days I commute to   XXXX   XXXX   using  XXXX   XXXX   XXXX  's  XXXX   XXXX   XXXX  "   XXXX   XXXX   XXXX   or buses, which use a fare system operated by  XXXX . Through school and paid for with my tuition, I have a U-Pass with unlimited rides with  XXXX . To get on a bus or train, I wave my U-Pass over a card reader, and a screen lights up green informing me I have provided acceptable fare. Like many people, I do not remove my U-Pass and individually scan it over the card reader ; rather, I wave my money clip containing several cards and cash over the reader to save time. Since  XXXX    XXXX  , this has never been a problem, but that changed with my new  XXXX    XXXX    debit card. Unbeknownst to me, between  XXXX   XXXX  and  XXXX   XXXX ,  XXXX  charged my  TCF  debit card instead of the U-Pass for a total of {$120.00}. TCF Bank and  XXXX  never informed me that their debit card could charge at transit card readers, and I was unaware a checking account could even possibly be charged in such a way. TCF Bank refused on multiple occasions to refund me the {$120.00}.  XXXX  refused to even look into my case, flatly stating " no refunds '' despite me having a U-Pass with unlimited rides.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Previous inquiries related to fraud, which the accounts were closed and removed from my report have been reinserted. 

Recently I got hit by like 4 applications of credit for car and I am not able to get hold of someone on the phone they keep transferring from one place to another just spend 4 hours on the phone and still I was not able to talk to someone. 

XXXX Inquiries that reappear : XXXX Date Filed XXXX/XXXX/XXXX Type BankXXXX and XXXX XXXX XXXX Phone Number ( XXXX ) XXXX Address PO BOX XXXX XXXX Date Filed XXXX/XXXX/XXXX XXXX XXXX and S XXXX XXXX Phone Number ( XXXX ) XXXX Address PO BOX XXXX XXXX fraudulent inquiries XXXX obtained a copy of your XXXX Credit ReportXXXX XXXX, XXXX XXXX XXXX XXXX XXXX obtained a copy of your XXXX Credit ReportXXXX XXXX, XXXX NEW! 
XXXX XXXX XXXX obtained a copy of your XXXX XXXX XXXX XXXX, XXXX EQUIFAX XXXX. XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Bank XXXX XXXX XXXX XXXX ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX. XXXX Date Filed XXXX/XXXX/XXXX Type Bank XXXX XXXX XXXX XXXX ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX. XXXX CARD Date Filed XXXX/XXXX/XXXX Type Bank XXXX XXXX XXXX XXXX ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX. XXXX CARD Date Filed XXXX/XXXX/XXXX Type Bank XXXX XXXX XXXX XXXX ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX. XXXX Date Filed XXXX/XXXX/XXXX Type Bank XXXX XXXX XXXX XXXX ( XXXX ) XXXX Address PO BOX XXXX XXXX. XXXX CARD Date Filed XXXX/XXXX/XXXX Type Bank XXXX XXXX XXXX XXXX ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX. XXXX XXXX De XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX. XXXX XXXX from XXXX XXXX, XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed this acct numerous times. I have received a letter from the company saying it will be removed from my credit report and it still has not. The letter is attached. 
I sent the bureaus the attached letter more than 30days ago on XX/XX/2021 along with dispute letter.
Complaint sub-issue: Account status incorrect

XXXX XXXX reported to the credit bureaus that I missed my payments for XXXX, XXXX & XX/XX/2020. Dropping my credit score by 90 pts. Which Resulted in my opportunity to buy a home and receive my SBA grant.I was Denied for the grant due to credit reporting by XXXX XXXX. 

During the COVID lockdown in Michigan my place of employment was forced to close by the Governor of Michigan. I had to apply for unemployment, but due to Michigans Unemployment department Problems, which are widely known, I did not receive my unemployment payments for 11 weeks. 

I contacted XXXX XXXX in XX/XX/2020 and requested a payment deferral until XXXX, I did make my XXXX payment. 
Note : XXXX XXXX MAKES THIS PROCESS very time consuming and nearly impossible. Unlike most banks, who make the process as simple as clicking on a link and your payments are immediately deferred. ( Example XXXX XXXX, or XXXX  XXXX XXXX ) XXXX XXXX gives the appearance they are being reasonable and following the guidance of the Federal Government, but they deliberately make the process as arduous as they can to deter people who are already stressed. When you call, which is the only way XXXX XXXX provides, a recording explains hold times are longer due to COVID 19. The hold times in XXXX and XXXX were greater than 30 minutes at any time during the day or night.
Complaint sub-issue: Bounced checks or returned payments

On XX/XX/22 I had XXXX check deposited into my bank account. The funds were fully available to me and I made a credit card payment of XXXX dollars. On XX/XX/22 they charged the check back and made my account negative. They are now holding two of my checks and a cash payment from the government and say they can't tell me when it will be available.
Complaint sub-issue: Don't want a card provided by your employer or the government

The card you send me is incorrect I didn't Unemployment benefits So I don't need it close Day account because I didn't apply for So I think this a fraud By somebody else Usin my name and so security account Oldest is a fraud on my name
Complaint sub-issue: Reporting company used your report improperly

Information was improperly handled by Equifax and as a result, ended up being collected by malicious parties. The option to obtain credit monitoring and restoration services should be available without having to opt out of a class law suit.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX 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 XXXX 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 XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX 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 XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX Account name : XXXX  XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX  XXXX XXXX / XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX # 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 instructions15 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Information belongs to someone else

I was a victim of identity theft and I have inquiries that were unauthorized. They were all on the same date ( XX/XX/2022 ). Please remove these, as they are hurting my credit score. I have also conducted a FTC Report.
Complaint sub-issue: Information belongs to someone else

Bankruptcy record that belongs to my brother, inaccurate credit inquiries that was done by my brother just like for a car purchase. And mostly mix up of credit reports with my brother.
Complaint sub-issue: Problem getting your free annual credit report

I called the national credit report request number to obtain my free credit reports for this year because I am suspicious of fraudulent activity. I requested for all 3 reports and it has been almost 2 months since then and I still havent received them. Im concerned someone is using my information and just need to check my credit reports.
Complaint sub-issue: Information belongs to someone else

I have reached out to the XXXX, Equifax, and XXXX in regards to the 2 accounts showing on my report XXXX XXXX and XXXX, I have contacted them several times advising them they were fraudulently opened and unauthorized by me, I have been dealing with this issue since XX/XX/2018, I do not have a XXXX account or a XXXX account and never have, I want this issue to be resolved, I have done all the proper procedure they have asked of me and still nothing has changed. I want this to be resolved please.