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

I made a charge on XX/XX/XXXX for {$1100.00} for a vacation rental. I disputed the transaction on XX/XX/XXXX as I never received the service. I submitted all materials requested on XX/XX/XXXX via email, and received a confirmation email. 

I called in on XX/XX/XXXX to confirm all required materials were received and was assured they were, and was informed that the charge would be credited before the statement closing date. I asked if there were time limits I needed to worry about, and was told that the dispute was initiated on time but that processing can take several days. 

I called in again on XXXX XXXX as I received a systemic email from Citi disputes area, advising that I had not provided the requested documents. On that call XXXX XX/XX/XXXX ) I confirmed with the representative that all materials were received and that I did not need to provide anything else. I requested and spoke with a manager on the same call XXXX XX/XX/XXXX XXXX and spoke with XXXX ( account supervisor ). XXXX again confirmed that all materials were received, and that the charge would be credited, and that I can ignore the emails sent by Citi as they were still processing the dispute. I was assured that Citi had everything they needed and that I just needed to wait for Citi to request the funds from the merchant 's bank and apply the credit to my card. I was told by the manager XXXX XXXX XXXX that he would expedite this request and reduce the time frame from 7-10d down to 3-5 days, and that I should expect to see the credit in 3-5 business days. The manager XXXX XXXX XXXX also submitted a request that I be contacted by phone, with my callback number included. I never heard back, and on XX/XX/XXXX ( a month later ), I received a letter from Citi advising that too much time had passed and that the dispute was closed. 

I have tried calling the disputes department multiple times and am told in the IVR that the department is open from XXXX - XXXX Monday through Friday. I call during those hours, and get an automated message that the department is closed.
Complaint sub-issue: Card was charged for something you did not purchase with the card

In XXXX my I saw my Discover Credit card has unauthorized {$10000.00} transaction. 
Immediately I called Discover Credit company and tell about unauthorized transaction. 
But Discover charge that unauthorized transaction And denied. 
I report the police but Discover need more proof.
Complaint sub-issue: Account status incorrect

Eauifax has a XXXX XXXX XXXX # XXXX ( original creditor XXXX XXXX ) account on my credit report for {$740.00} and this account has been discharged in bankruptcy court # XXXX.
Complaint sub-issue: Account information incorrect

I have been unsuccessful in trying to reach out to XXXX regarding incorrect balance of my existing VA mortgage loan with all three credit bureaus. 

I have been unsuccessful in reaching out to XXXX regarding not accurately reporting 'all ' payments that have been made regarding my existing VA mortgage loan to all three credit bureaus. 

I have been unsuccessful in reaching out to XXXX regarding the correct credit score updates that should have reflected all of my payments that were made on time to all three credit bureaus. 

The above needs to be urgently corrected and updated so it does not continue to feel as if I am renting my home. I should see a reflection of updated credit score points with each mortgage payment that I have paid since the time I had purchased my home. 

The above issues I am asking XXXX to address in an urgent manner and to be corrected.
Complaint sub-issue: Card was charged for something you did not purchase with the card

An account was setup fraudulently online with Citibank for a Home Depot XXXX credit card using my stolen personal information. This was done while I was out of the country in early XXXX. I have had the account closed and its being investigated by Citibank but when I spoke to their security people today and asked how Citibank would open an account from an online application without speaking to me the security person reported that they once to call me at my home number but when they couldn't reach me the went ahead and opened the account without confirming with me. I asked if this is Citibank normal process and he said no but with the shortage of employees they apparently cut corners and opened the account. When I returned on XX/XX/12 and saw the credit card in my mail, I tried to call them that weekend, but their customer service center is not open on the weekends so on Saturday the XXXX I went to a XXXX  store and reported the fraud, and they closed the account. I called the Citibank CS number on Monday to confirm and filed a police report that day. I also froze my credit reports at all three credit agencies. I think Citibank was negligent and needs to be investigated by the regulators for lack of proper security to protect consumers information and disciplined for what they are doing.
Complaint sub-issue: Investigation took more than 30 days

They have failed to respond to my dispute letter that I send out on XX/XX/2021.
Complaint sub-issue: Problem with fees

To whom it may concern : I have just been advised ( XX/XX/XXXX ) that there has been monthly negative activity on my credit report from CitiCards. This was brought to my attention when reviewing credit for a new home loan. Upon contacting Citicards today ( XX/XX/XXXX ) I was informed that this is stemming from XXXX, XXXX, when the account was closed. Since then they have been billing me monthly late payment charges and interest. During this time they admitted they have not attempted to contact me once. No emails, regular mail or voice mail. Nothing. 

For 27 months they have been charging me and negatively impacting my credit. I do not believe this meets the standards of transparent disclosures under the Credit Card Act of XXXX, and surely does not meet the standards of fair and transparent conduct. When attempting to gain more information on this issue they have informed me that I can not call, email or send certified mail to anyone but instead can only fax ( yes, fax, and it's XXXX! ) a request to dispute. 

So, to summarize ; no communication for 27 months, no attempt to resolve the issue, no disclosures, and now no intent to work with me to resolve the issue. 

Please advise at your earliest convenience on the appropriate course of action. I have requested that Citicards send me a statement and full disclosure on all monthly charges and fees over the entire period. 

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

Information regarding a XXXX XXXX credit card was placed on my report. I was no notified and the information just appeared on my report causing my credit to be affected in a negative way. This information is not mines and is misleading others to deny me of credit.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act ( XXXX XXXX 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
Complaint sub-issue: Information belongs to someone else

They have 2 auto loans on my credit report that I did not open, and I did not authorize. I have not had auto loans with them. I did their fraud packet, and jumped through all the hoops they told me to jump through. Now they just completely ignore me. This has to be addressed, and this has to be taken care of.
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 account 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/block any account 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 account/item which do not belong to me or were opened without my permission. 

XXXX XXXX XXXXXXXX Open Date XX/XX/2019 Balance : {$0.00} 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: Didn't receive enough information to verify debt

On or about XX/XX/XXXX, I received a debt collection letter from XXXX XXXX XXXX stating I owed them XXXX. 
I responded with a debt validation letter request sent on XX/XX/XXXX. In that validation letter I requested to see the original contract with my signature on it binding me to this debt. 
ERC did not respond by sending the original contract with my signature but instead with a bill that that appears to be fraudulent. I have used a red pen to specifically point out the inconsistencies in the bill received. The bill amounts, the fonts, dates, inconsistent information and formats are different from each other. 

I want ERC to be mindful that I reserve my rights to file charges and complaints with FTC and appropriate county, state and federal authorities if the documents received are willfully and deliberately misleading and false.
Complaint sub-issue: Information belongs to someone else

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX/XXXX XXXX ... XXXX  XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Complaint sub-issue: Talked to a third-party about your debt

I received a vm on or around XXXX from XXXX XXXX with a threatening tone. He has reached out to employer, family members in another state along with neighboring family members who all reached out to me regarding his message. States he is an officer looking for me. They did not leave a company name but the contact number is XXXX. Another representative XXXX XXXX left a vm about a conversation I had with one of his employees, who stated that they do not make outbound calls. I explained my situation and she continued to say that I know what amount is due since I took out the loan etc. Did not listen to my situation. 

I attempted to contact them today XXXX and left a voicemail.
Complaint sub-issue: Reinserted previously deleted info

XXXX XXXX XXXX should be deleted on my file and still reporting.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

My name is XXXX XXXX. In XXXX, my Identity has been stolen, so the same XXXX  people used my information and opened many accounts at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Macys credit card XXXX XXXX Massachusetts. l got those bills in XXXX. I reported to the local police department and the Identity XXXX. I reported the fraud claim to the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX verified my pieces of information and were settled and solved. For the Macys credit card ( XXXX ), the total amount is {$20000.00}. l claimed on the phone in the middle of XXXX. I got a letter from Macys responded in XXXX, said that they need investigation for this case without asking any identifications, personal information. 
In XX/XX/XXXX. I got the letter from Macys credit card company, it said that we have determined that l am responsible for the charges in question from the completed investigation. How could Macys credit company without requiring any informations from me and determining l need to responsible the bills. Please help me to solve this issue.
Complaint sub-issue: Debt was discharged in bankruptcy

My chapter XXXX bankruptcy ( Case XXXX ) was discharged on XX/XX/XXXX. After the discharge, I filed XXXX disputes - XXXX with XXXX and XXXX with XXXX - to have an eviction record reported by Hunter Warfield ( collection agency for XXXX XXXX ) removed from my reports. 
XXXX of these accounts was removed on XX/XX/XXXX, the other on XX/XX/XXXX. I recently moved and I 'm unsure why but Hunter Warfield began contacting me via telephone and postal mail, attempting to collect the debt that was included in my Chapter XXXX and had already been removed from my credit reports. 
I notified them via Electronic Mail that I am no longer liable for this debt, and included a copy of my Discharge Certificate. 
Hunter Warfield failed to reply to my e-mail, but I reached out to the City of XXXX ( there was a default judgment against me for this debt ), and they said that although I have proof of filing Chapter XXXX Bankruptcy, since the discharge certificate does n't specifically list Hunter Warfield, XXXX, or the City, they would not remove the judgment from their records, although the City advised me that they would not attempt to collect on the judgment since I had a Chapter XXXX on file. 
After my move, I checked my credit report via XXXX and discovered that Hunter Warfield added this debt back onto my XXXX credit report. I contacted Hunter Warfield advising that this debt was discharged but once again, I received no response. 
I have filed a dispute with XXXX but it could take up to 30 days to resolve. I also feel that Hunter Warfield has violated their rights as a debt collector in the state of Virginia.
Complaint sub-issue: Problem with fees charged

XXXX XXXX XXXXXXXX XXXX XXXX VW Credit Inc.  violated the Truth in Lending Act on XX/XX/XXXX with dealer number XXXX contract XXXX, XXXX # XXXX pursuant 15 USC 1605 ( a ) when it required me to make a {$5000.00} down payment on my XXXX VW XXXX. Furthermore, XXXX XXXX XXXXXXXX / VW Credit Inc. was in violation of 15 USC 1605 ( e ) ( 2 ), when it included a {$690.00} documentation fee in the {$27000.00} that it financed in the sale of the Passat. 

In XXXX, VW Credit Inc. repossessed and auctioned the XXXX VW XXXX then charged off the remaining debt which it claims to be {$6600.00} and reported it to all three major credit reporting agencies. As defined by the IRS, a charge-off is considered gross or ordinary income. Income, consequently, does not get reported on a consumer report.

Furthermore, VW Credit Inc. sold the {$6600.00} debt and shared my information with a third party without my permission, a direct violation of the FDCPA. Pursuant 15 USC 1692 ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

VW Credit Inc. is also in violation pursuant 15 USC 1692 ( 608 ) ( 4 ) - The advertisement for sale of any debt to coerce payment of the debt. I contacted VW Credit Inc. and was told that VW Credit Inc. no longer has my records and that a collection company has my information and is now attempting to collect on the charged-off {$6600.00} debt. 

I recently received notice from collection company XXXX XXXX XXXX XXXX of New Jersey. XXXX XXXX on its mail correspondence that, this is an attempt to collect a debt. I note that this alleged debt, allegedly connected with VW Credit Inc., is disputed and validation requested.
Complaint sub-issue: Investigation took more than 30 days

I have filed a dispute in regards to the incorrect items on my credit report and its been well over 60 days and I haven't received any investigation results. Also the disputed accounts are still being reported on my credit reports and the company has yet to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature, As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : -Defamation -Negligent Enablement of Identity Fraud -Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) -Violation of the Fair Credit Reporting Sect ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself.
Complaint sub-issue: Information is missing that should be on the report

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX Real estate property : XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX I would like this information to be entered in my credit report as far as my home address, my employer, and my real estate holdings all this need to be updated!
Complaint sub-issue: Personal information incorrect

Ive tried to get this company to correct these issues back in XXXX of XXXX  Ive recently obtained my current consumer report and i noticed that there were incorrect spellings or variations of my name and as well as wrong addresses littered all over my report that needs to be removed, My name only has one correct spelling, and there should be no variations listed because my name has no variations then i need to be sent and updated copy of the changes. 

I was able to contact someone but no changes were made so now i'm here hoping to that the CFPB can get me some better results. 

attached with this complaint is a letter and my identification i have Enclosed to prove my identity and also the correct spelling of my entire full name and my correct and current address.
Complaint sub-issue: Information belongs to someone else

I was made aware of two accounts with negative history appearing on my credit today XX/XX/2020 ; I found out that these accounts were on my credit because I went to refinance my car and I was told I did not qualify to refinance due to having negative accounts on my credit report. I was confused because I have always made sure to make my payments on time for any loan or credit card. I looked through my credit report and there was an account from XXXX XXXX XXXX XXXX XXXX with negative payment history. Neither of those accounts is mine nor did I allow anyone to open them in my name. I did not benefit anything from those accounts such as money, goods, services or any other benefit and I did not contribute to any payments made towards either of those accounts. I am not affiliated with either of the companies listed above and I never allowed them to run or access my credit. I have filed a complaint with the consumer financial protection bureau regarding these unauthorized accounts.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX : XXXX Creditor Name : EQUIFAX XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Bureau : XXXX Creditor Name : EQUIFAX MORTGAGE SERVI Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Bureau : Equifax Creditor Name : XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry
Complaint sub-issue: Their investigation did not fix an error on your report

EQUIFAX SENT ME A LETTER STATING THEY ARE REFUSING TO CORRECT MY CREDIT REPORT. 


They are illegally abusing my credit file by placing fraudulent investigations, dispute codes and consumer dispute statements on my account. I have asked them repeatedly to stop doing this and they continue doing it. This must be stopped because they are making it difficult to obtain a mortgage and they know this but keep doing it. 

Here are the ones that they keep doing this to and I want them to stop. 

1. XXXX XXXX acccount XXXX XXXX partial ) They keep putting dispute codes on this account and statements that say " Consumer disputes- Reinvestigation in process '' 2.  XXXX  XXXX account XXXX XXXX partial ) They keep putting statements that say " Consumer disputes, reinvestigation in process, consumer disputes after resolution 3. XXXX XXXX Account number XXXX XXXX partial ) They keep putting a dispute code on it saying " Consumer disputes, reinvestigation in process '' 4. XXXX account XXXX XXXX partial ) They keep putting consumer disputes, reinvestigation in process along with dispute status codes I just called their FOREIGN call center and they rep was really rude and said he would not remove their false information. What kind of company has the right to do this to an individual? I am sick and tired of these bullies doing this. They are holding my file hostage and are refusing to help me. How much more transparent do I need to be with the CFPB before you guys step in and do your job?
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX has been non-compliant with removing the unverified account DISCOVER XXXX XXXX XXXX XXXX which has been deleted by XXXX  and XXXX. XXXX  and XXXX have both completed their research and determined that XXXX XXXX XXXX XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.