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

I ordered a trial product online for {$12.00}. I read all the small print and there was know part where it said I would be signed up for automatic deliveries of more product. This is exactly what happened. In XXXX and XXXX of XXXX I was charged {$84.00}, {$74.00}, {$84.00} and {$74.00}. This happened on XX/XX/XXXX and XX/XX/XXXX. I called and disputed the charges on my credit card. At know time did I authorize these charges. The first dispute was reversed because they showed my credit card company a copy of a product being mailed to my house. I have spent several hours on the phone with my credit card company no avail. I told them that I did receive two bottles that I am happy to return to the sender but that was the {$12.00} trial that I paid for. I was transferred 5 times and on hold for hour and I was not able to speak with a manger. I tried this approach twice but ended up hanging up after being on hold for an hour. That's what brings me hear. I wanted to get an email for the credit card company so I could give them more details to fight on my behalf and send the product back! No XXXX luck. 

Company information : Citi Double Cash Mastercard ( my credit card ) XXXX 24hr customer service Problem company : PT Labs I have original shipping box it came in Fulfillment Center XXXX XXXX XXXX XXXX LA XXXX My contact information : XXXX XXXX XXXX / email XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX
Complaint sub-issue: Public record

I am challenging a Public Record Information on my current credit profile as inaccurate in its filing. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the XXXX " XXXX XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit profiles under their procedure of reporting as a derogatory for 10 years. The credit bureaus have stated that the information is " verified by it 's origin '', the origin is the Bankruptcy Court. I have contacted the Federal Court to confirm this information and they have confirmed, by documentation, that they did not and do not verify to credit reporting agencies. This is misleading and false verbiage on behalf of the reporting agencies. This discrepancy has prevented me in my personal life 's pursuit and I am requesting CFPB to advocate for me in this challenge. I have a consumer right to know the identity of the origin entity that is reporting this negative.
Complaint sub-issue: Information belongs to someone else

sent affidavit of the issues caused by the data breach please correct the inaccurate information asap
Complaint sub-issue: Problem using a debit or ATM card

Im traveling abroad and I don't have access and time to call my bank to open a fraud dispute. 
On XX/XX/XXXX I receive a message on my phone saying that my debit card was locked due suspicious activity. 
Then I checked my bank statement and there are several transactions that I never authorized, and checking my wallet I noticed my debit cars was missing. 
I need to report fraudulent transactions starting on XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX until the last transactions posted on my account. 
Before that one the transactions posted are authorized. Attached goes each transactions marked with a circle, those are not authorized.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX XXXX I mailed all three agencies ( XXXX XXXX, And Equifax ) and inaccuracies that I found on my consumer report. The items on my report are incorrect and are giving me a very hard time securing fair interest rates and business funding. Please notify these agencies to remove these items immediately. They are violating their own procedures and breaking federal law. I have asked these agencies and the creditors with whom the accounts are supposedly with to verify this information and they refuse to do so. This is blatant violation of Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), which states you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Since they have refused to do so and to do so in a timely matter I demand these items be removed. There investigation and response has taken well over 60 days. They have severely decreased my ability to obtain fair rates and accounts. Thank you.
Complaint sub-issue: Other problem getting your report or credit score

I called The Office of Consumer Affairs and requested to speak with XXXX XXXX as she is the dedicated person that I used to deal with but failed to return any calls and no one is now able to reach her if she is in. I spoke with another rude representative who initiated a Dispute for me over the phone as I currently do not have online access to my own credit file which needs to be fixed. I get tired of having to call in and deal with rude people. 

Sadly, I also had another account that Equifax reported on the account longer than it should have been and XXXX XXXX was the only one willing to resolve that for me after years. 

I disputed a Collection Account ( XXXX XXXX ) which needs to be removed from my credit file as it already has been from other Credit Reporting Companies. Equifax has a history of keeping things on my credit file for longer than they should be as they have done so with Three reaged XXXX XXXX XXXX as well. Equifax is the only bureau holding on to these accounts. I received a notification via email that one of my investigations had been completed. However, I am not able to view the results, nor have I received results in the mail. My online access needs to be resolved. My file also needs to be removed from Consumer Affairs.
Complaint sub-issue: Was not notified of investigation status or results

Hi there. I sent you a letter on XX/XX/2021 but I haven't received any letters from you. I am here at CFPBs website because I think that you have not been doing what you are supposed to do. I will keep on seeking help from government agencies or even hire an attorney if this matter doesn't get resolved.
Complaint sub-issue: Information belongs to someone else

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records. I, therefore, request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these items as soon as possible Names : XXXX XXXX ; Addresses : XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XXXX XXXX XXXX XXXX Balance : {$1400.00}, XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$210.00}, XXXX XXXX XXXX Balance {$56.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$0.00}, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXH XXXX ) XXXX Balance : {$140.00}, XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED 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, TN XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$490.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
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. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcy to anybody. '' So if that's the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 U.S.C 1681.

15 U.S.C 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 U.S.C 1681.

According to : 15 U.S.C 1681 Section 602 A States I have the rights to privacy.

According to : 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 According to : U.S.C. 1681s- ( 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.
Complaint sub-issue: Account information incorrect

AMEX/XX/XX/XXXX continues to show in dispute status, after I told them I'm no longer disputing the validity of this account ( amongst others ) for almost over a month. I've sent letters, made phone calls, and done everything humanly possible to have the dispute language removed, but to no avail.
Complaint sub-issue: Other problem getting your report or credit score

Constantly lowering my credit score. When I check under the heading see what change i dont see anything that could account for my score to drop so low in such a short period of time.
Complaint sub-issue: Information is not mine

I have been disputing this information for months now. I had identity theft done to me with a macys account being opened up in my name. After months of investigation I received noticed from XXXX that the account is fraudulant and will be removed from the XXXX credit reporting companies. Yesterday I received a copy of my credit report from equifax and the results from the investigation on this macys account was ... .it has been verified as belonging to me. I do not understand how this is still reporting on my reports as I submitted a copy of the letter I received from XXXX fraud dept advising me that this account will be removed from my credit reports. Today I called equifax again and explained that this account should be deleted from my report. I was told that it is still reporting and they are waiting to hear back from the company. Last week when I called them I was told it was deleted and not on my report anymore. This is getting completely out of hand as I feel I am just being told anything and I have no idea if this account is on my report or if it is not on the report. I keep getting different stories. While I had them on the phone I brought up another issue in regards to my XXXX XXXX account that I submitted the letter I received from XXXX XXXX stating that the deragatory remark that is reporting as 1 payment late back in 2014 to be removed as this payment 2 years ago was NOT late. I have been requesting and disputing this XXXX account for months now as well. I explained to the customer service rep that this account should be reporting as accounts in " GOOD STANDING '' ... ..however it is still reporting as potentially negative. I want this information corrected because i am just getting all different stories and I feel this information is not being properly investiaged and the letters I am sending them as supporting documentation are just being ignored.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

XX/XX/XXXX - Initiated a balance transfer. A {$2400.00} credit balance was paid by XXXX XXXX, account XXXX XXXX XXXX XXXX to CITIBANK account XXXX XXXX XXXX XXXX but Citibank refuses to credit my account, now I owe both agencies {$2400.00}. XXXX ( worked with XXXX ) claims that a check was sent. They have provided the following as proof : Check was cashed XX/XX/XXXX, they are sending me a copy. 
Account : XXXX Check # XXXX sequence : XXXX Citibank, when pressed, refers me back to XXXX or just hangs up on me when i ask to speak to a supervisor ( XX/XX/XXXX and XX/XX/XXXX ). Call wait times are over 2 hours and Ive called 3 times at least. Several other abandoned attempts.
Complaint sub-issue: Attempted to collect wrong amount

I missed a single payment, during the pandemic in XXXX. I made this payment back, their incomplete computer system did not mark it as much, and negatively affected my credit score after marking my account as delinquent. This happened again, in XXXX. I missed a single payment, and since, their computer system has marked my account with an excessive amount of passed due days, more than what is accurate. Their system also did not recognize payments that I made, even with receipts of the payment. I have spoken to multiple supervisors about this, with no resolution. 

I had to submit a support ticket, and call in myself, as a customer, to check on the status of their system bug. I am still 'in delinquency ' and the amount they are trying to collect is Double the real amount that I owe. I have no idea when this problem will be fixed, or if the XXXX points i lost on my Credit will come back any time soon. I can't refinance this loan with a worse score now. Awful, I feel trapped with a company that has nothing but bugs in their system. Not in my control, not my fault, shouldn't get hurt because of it. 

They hang up on me when I call, I have to call multiple times. I have never had such a horrible time with a borrower. They have negatively affected my Credit, over small issues that are not within my control. They can not operate as a business if their systems in place are broken. 

They have a XXXX XXXX with the XXXX  Put them out of business. These loans were previously with XXXX XXXX, and we all saw how they dropped Student Loans after so much bad press. This company is worse than XXXX.
Complaint sub-issue: Debt is not yours

THEIR IS A COLLECTION ACCOUNT WHICH IS NOT MINE AND IT VILOATES MY RIGHTS IF IT WERE MINE.
Complaint sub-issue: Add-on products and services

Citi has been penalized for using a company called XXXX XXXX  but did not refund all customers such as myself, and continued to enroll my account 4 years after the settlement from the CFPB told them to stop. I finally realized they were charging me thousands in fees per year and found a way through much navigation to cancel. 

In requesting a refund for the thousands I paid over the years for a service I was unaware of Citi gave me two fraudulent phone numbers for other add on agencies and did not help me, instead referred me to the third part company, even though letters came from them. They used this predatory practice to take money from me and others via XXXX XXXX  and the Citi customer service will not help or answer questions, only will pass people to XXXX XXXX, a company the customer has no relationship with. There is no information given, no actual contact, and only contradiction messages and information given by both entities. 

All leg work may be done by the customer with no help. Further they stated I signed up for this service in XXXX when that is not the case. Even worse, is after the ruling in XXXX they continued to perpetuate this on myself, and other customers, taking me for thousands over that period in predatory fees.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and Equifax Bureaus was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXXXXXX 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: Account status incorrect

XX/XX/2021 RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 

DEPT OF ED/XXXX  - XXXX XXXX DEPT OF ED/XXXX  - XXXX XXXX DEPT OF ED/XXXX  - XXXX XXXX DEPT OF ED/XXXX  - XXXX XXXX DEPT OF ED/XXXX  - XXXX XXXX DEPT OF ED/XXXX  - XXXX XXXX DEPT OF ED/XXXX  - XXXX XXXX Sincerely, XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

I have disputed items with Equifax back on XX/XX/2019 and they have failed to respond. I have also sent them a notice that they failed to respond and they have ignore my request to dispute items that are reporting on my credit reports
Complaint sub-issue: Personal information incorrect

In XX/XX/XXXX I changed my legal first name. All relevant legal documentation has been properly updated. Upon attempting to upgrade my XXXX I went down a rabbit hole that found that Equifax had an issue. After a large amount of time and multiple calls and contacts with them, I finally received a fax number and began the process of setting up a my.equifax account. I faxed my documents XX/XX/XXXX. They were verified on XX/XX/XXXX. This has been verified by phone agents on XX/XX/XXXX. My documents have been resubmitted on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, the request to update my name was ignored completely. On XX/XX/XXXX, within about 24 hours it was listed as " Completed '' but was never updated. It was re-submitted again, with the same result. Stated Completed, but never changed. I tried again on XX/XX/XXXX and now it says no status but " Mailed ''. Thus far I have never received ANY notification, email or mail service of any of my interactions with Equifax thus far. My name being incorrect is preventing me from taking actions to repair my credit and needs to be fixed immediately. 

I wish I could attach documents to this but as they have never sent me any documents explaining their actions regarding the name change I have nothing to submit.
Complaint sub-issue: Problem accessing account

We purchased a Fixed Rate Certificate on XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX   XXXX XXXX from their branch in XXXX XXXX, CA. It was to have matured on XX/XX/XXXX. We never closed this account. XXXX XXXX was subsequently purchased by XXXX XXXX, now Popular Bank. In the intervening years we moved out of state and then back to CA. The deposit book has recently surfaced. I have called Popular Bank and they could not help me locate these funds. In talking with the the CFPB I was directed to fill out the complaint form.