Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Transaction was not authorized

I changed a flight with XXXX XXXX on XX/XX/2019. I was charged {$150.00} dollars as a change fee, and have a receipt for this. On the same day I was charged {$200.00} by XXXX. There was no receipt, and I could not find any reason for this charge. 

I called XXXX XXXX, and they had no charge under my name, or my ticket confirmation, other than the {$150.00}. The {$200.00} charge was not coming up, and they told me to dispute it with my bank. 

I disputed the claim with my bank PNC and on XX/XX/2019 received a letter saying my claim has been denied. I then called PNC bank to talk to them about my claim, and to request documentation that they relied on in making the decision. No one could point me in the right direction. I spoke to at least 4 people, in several different departments. I was given a number to call, but upon speaking to someone in that department, they told me to go back and talk to the department I was just speaking to! That department then gave me the same number I had originally called! None of their employees could help me whatsoever. This was extremely frustrating, as all I wanted was to request documentation, as the claim denial said I had a right to. Yet there was no easy number to call, no department listed to address my concerns to. 

Eventually I was able to get in touch with a supervisor in their main office. She was able to help me resubmit a claim and to request for more information. However, she still was not able to see why my claim had been denied. 

Several days later I received my the documentation I requested. XXXX XXXX sent information detailing the charges. The Merchant Response wrote " The received dispute for the transaction date XX/XX/2019 of XXXX is invalid. '' However, they also wrote " Reversal is requested as cardholder has been charged twice for two different passengers. '' I was being charged for someone else 's ticket! XXXX even says reversal is requested! How could PNC not take this into consideration? The other ticket was not an individual I know, and obviously must have been some computer glitch. 

I feel that PNC has not looked into this matter thoroughly enough, nor have they made it easily accessible to get information which I have a right to. 

Long Story short : XXXX XXXX incorrectly charged me for someone else 's ticket change. When I disputed it with PNC, they denied my claim. Customer service with both companies was atrocious.
Complaint sub-issue: Reporting company used your report improperly

I have reached out to Equifax and requested their company to stop infringing upon my rights to privacy for which I have yet to receive a response. Equifax is in violation of my rights as a federally protected consumer.
Complaint sub-issue: Their investigation did not fix an error on your report

My Equifax disputed accounts are sent back as verified and are entirely inaccurate, incomplete and represent very serious errors in their reporting. Company is in violation of 15 U.S.C. 1681. XXXX required under the FCRA to have properly verified the accuracy of accounts listed on my credit report with physical documents. Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that Equifax cant just verify my accounts by telling me they are verified. Nor can Equifax verify my accounts by telling me to contact the creditor of the accounts I disputed as Verified. This means that IF Equifax cant send me proof of these accounts from THEIR COMPANY, it must come off. All in all, Equifax has ignored my request to provided me with the documents that it has in their files that Equifax used to verify the disputed accounts which means that Equifax have NOT verified or can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA Equifax is required to ... promptly delete all information which can not be verified. I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX Account XXXX This account needs to be removed IMMEDIATELY via FCRA section 609. XXXX XXXX XXXX Account XXXX This account needs to be removed IMMEDIATELY via FCRA section XXXX. Equifax fails to comply with federal regulations by credit reporting agencies. Equifax is guilty of : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Thank you, XXXX XXXX
Complaint sub-issue: Information is not mine

I am disputing hard inquires on my credit report because this is fraud and does not belong to me. 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: Account information incorrect

EQUIFAX CREDIT FILE : XXXX XXXX, XXXX Confirmation # XXXX contacted equifax regarding incorrect reporting of XXXX XXXX incorrectly reporting Acct # XXXX. Account was discharged in Bankruptcy XXXX XXXX. However the account keeps returning on my Credit file. After 3 attempts to correct the error you are my last hope. The last response from my dispute is as follows : We have researched the credit account. Account # XXXX The results are : We verified that this item belongs to you. If you have additional questions about this item please contact : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX Phone : ( XXXX ) XXXX
Complaint sub-issue: Information belongs to someone else

I have made several attempts with XXXX to remove these following accounts due to fraud : The following accounts need to deleted and blocked immediately due to fraud : 1. XXXX XXXX XXXX XXXX Account # : XXXX 2. Money Lion Account # : XXXX 3.  XXXX XXXX XXXX Account # : XXXX I am a victim of id theft and XXXX   has taken its slow time in removing these fraudulent accounts and XXXX has also violated my rights and broken the law 605B.
Complaint sub-issue: Old information reappears or never goes away

XXXX is my loan servicer. I'm in the middle of a XXXX application and a consolidation. I have had my loans in forbearance and deferment. One day ago, I noticed my credit score dropped XXXX points because XXXX mistakenly did not apply my forbearance and deferment. I'm not quite sure what happened. When I try to call them, I am on the phone hours at a time and I'm always transferred to a supervisor or account resolution specialist that does not exist. I have been on the phone waiting for someone for two- and three-hour intervals listening to their awful music. I can't believe that this is how a company operates. It is unbelievable that the person I need to resolve this situation is hours away. I want to speak to someone to solve my problem. These companies buy and sell my debt like it's some kind of asset for them. They can destroy your credit and create a situation where you can lose your job if you have security clearance. It is one of the worst customer service situations I have ever had to deal with. I want to speak with a customer service person who can correct my credit report without having to wait four hours on hold. No one is that busy, but I do believe they very inept and in charge of more than they can handle.
Complaint sub-issue: Debt is not yours

I sent a letter to this company dated : XX/XX/XXXX requesting debt validation the Fair Debt Collection Practices Act ( FDCPA ). I have not received any validation documents from this company to date. I wrote to them : To refresh your memory on what constitutes legal validation, I am giving a list of the required documentation. 1. Complete payment history, the requirement of which has been established by XXXX V XXXX, XXXX XXXX XXXX ; XXXX XXXX. XXXX XXXX XXXX. 2. Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor. 3. Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX v. XXXX XXXX XXXX, XXXX, XXXX WL XXXX ( XXXX, XX/XX/XXXX ) Information relating to the purchase of a bad debt is not proprietary or burdensome. The debtor must phrase their request clearly to obtain : The source of the debt and the amount a bad debt buyer paid for plaintiffs debt, how the moment sought was calculated, where at issue a list of reports to credit bureaus, and documents conferring authority on the defendant to collect a debt. 4. Intimate knowledge of the creation of the debt by you, the collection agency. None of this requested information has been sent to me. They did not send me any validation document.
Complaint sub-issue: Investigation took more than 30 days

I have disputed this account multiple times with Equifax, the last dispute was over 30 days and with that being said I have the legal right to ask that this account be deleted from all three credit reporting agencies.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Apparently, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, SC. XXXX, ( XXXX ) XXXX? purchased a discharged debt from a company which appeared on my credit a few months ago. The debt is scheduled to be removed in XXXX or XXXX. I telephoned and wrote to the above company to learn more about said debt and/or to remove it from my credit with no response.
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, Im living human being, I have rights under 15USC 1681 Equifax is govern by 15 USC 1681. And they violated my right numerous of times. I demand the accounts listed be romove because According to the 15 USC 1681 I have the right of privacy and I did not give Equifax written permission to furnish these accounts..my Hippa rights been violated also collection angency has to much information about my medical situations also my name was in the Equifax Credit Breach XXXX XXXX XXXX XXXX XXXX XXXX {$3900.00} XXXX
Complaint sub-issue: Debt was paid

A company called Americollect Inc has reported a medical debt for collections to all 3 credit bureaus despite being provided with documentation showing that the {$330.00} charge was paid to the hospital on the date of service ( XX/XX/19 ). I have also attempted to have the credit bureaus correct the knowingly false information that was reported, however they have not been of help in correcting the error. 

I have attached the EOB from the insurance company showing that the {$330.00} is part of the total that was charged to my credit card on XX/XX/19. I have also included a copy of the credit card statement showing the payment to the hospital ( SSM ). Please note that the hospital offered a 15 % discount for paying the balance in full on the date of service ( {$1100.00} - 15 % = {$970.00} ).
Complaint sub-issue: Investigation took more than 30 days

Hello, Please reference CFPB # XXXX. It has been over 30 days for this investigation and there is still no supporting documents for this BK. Per the Fair Act this public record needs to removed or XXXX, Equifax and XXXX are in the violation. 

I have all of the documents and certified mail I sent over to XXXX, Equifax and XXXX I'm sending a copy of all the mail to XXXX XXXX XXXX, which I will higher to address this concerns as he is the attorney that sued for millions of dollars. I'm sure he this case for sure. 


Public Record : US BKPT CT OH XXXX
Complaint sub-issue: Problem with personal statement of dispute

i have submitted several dispute letters asking how the accounts that are reporting negative on my credit report were verified. no response was ever given to me and the accounts continue to report incorrectly. both equifax and XXXX are reporting these accounts incorrectly since they have not been verified and no proof has been given to me.
Complaint sub-issue: Account status incorrect

I am a retired Veteran of the XXXX XXXX XXXX XXXX XXXX. I am a retired XXXX XXXX XXXX, I have put my life on the line for my country and state. It is unfortunate to have a credit scoring company become the demise of my exitance here on earth. The erratic fluctuation and inaccurate accounts of my report are hindering me form attaining a vehicle or loan and an affordable rate. I have sacrificed and put kids through college, donated my time to help others and now this. 

I am asking that the good government that I placed my trust in all of these years step in and do better. My credit score is lower than it should be.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed fraudulent information. It has not been removed and the consumer reporting agency is in direct violation of FCRA 605 CRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The block must be no later than 4 business days The information is fraudulent. 
The block wasnt made in error and I never received goods or services. Its identity theft. Plain and simple. These was someone using my identity therefore its fraudulent and must be removed or the next step will be to sue the consumer reporting agency who is violation the FCRA. 

The other major consumer reporting agency immediately removed and blocked the fraudulent accounts when proper documentation was received which is what equifax received. Maybe they arent familiar with 605 or dont care about it but they are violating it nonetheless
Complaint sub-issue: Debt was paid

When I terminated my service with XXXX XXXX  years ago I was very specific as to the " payed in full amount ''. Dealing with this company is a nightmare but they were the only ones with a XXXX XXXX I wanted. 
I was given the amount from their customer service department and I returned everything as requested following the steps perfectly. Months later I received a collections notice, naturally demanding payment for a debt not owed.The amount is {$270.00} from Credco ( XXXX XXXX ). I contacted them several times which is a time consuming nightmare and was told it was a mistake on their end but the notices kept coming and my frustrations grew. The fifth time I contacted them I didn't go through to customer service, strait to the collections department where I was told they didn't care or wanted to hear anything from me and to pay up or it would remain on my credit report until I did. This is illegal, unethical, and extortion. They wouldn't ever tell me what was owed, just pay the amount. 
If you send anything back to XXXX XXXX  now XXXX reads you a disclaimer and provides you a secondary tracking number because they've pull this XXXX with SO many people. 
Please get this removed, I'd pay it if it was owed but I won't be bullied into paying it!
Complaint sub-issue: Their investigation did not fix an error on your report

In XX/XX/XXXX, I provided XXXX XXXX XXXX XXXX XXXX with all of the information needed to have me removed from the VA mortgage, as it was fully assumed by my husband. The original balance was {$220000.00}. The monthly payment was {$1400.00}. Instead of removing my name from the loan, XXXX XXXX XXXX XXXX XXXX reported that I opened a new mortgage on XX/XX/XXXX with the amount of {$220000.00}. I spoke with XXXX XXXX XXXX XXXX XXXX on multiple occasions to let them know that instead of removing my name from the mortgage, they reported that I opened a new mortgage. XXXX XXXX XXXX XXXX XXXX stated that they reported to the XXXX credit bureaus that the account was closed. They also stated that the did not report that a new mortgage was opened. I was told by XXXX XXXX XXXX that I needed to dispute this with all XXXX credit bureaus. I disputed the information that a new mortgage was opened in XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX reported to the bureaus that the account was closed on XX/XX/XXXX. All of this information is incorrect. The account on my credit report shows XXXX XXXX XXXX with a number under the name stated as XXXX. This has reflected poorly on my credit report. It looks as if I opened a new mortgage with XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX and then closed it in XX/XX/XXXX. They were only supposed to remove my name from the loan. Instead of that, they created a new account in XX/XX/XXXX and then closed it in XX/XX/XXXX. Please remove this fraudulent account from my credit report.
Complaint sub-issue: Company closed your account

my Best Buy credit card XXXX XXXX XXXX XXXX XX/XX/19 XXXX XXXX XXXX ID XXXX XXXX credit card unlawfully closed my account without a prior notification last year. 
Per my discussion with their customer service, they said it is their right to discharge any consumer card without notice and for any reason, even when I am satisfying the payment cycle through regular payments. 

I have paid the remaining balance on the card which was still accumulating due to their charges and interests, even when the card was closed last year. 

It is great that I recognized this devious credit card provider and closed the account by fully paying the balance. 

However, 1. They are misusing their credit grantor privileges by destroying customer credit reports by unpredictable card closures.

2. Why should I suffer as a consumer all the time, when my credit card gets destroyed by the credit grantors discretion.
Complaint sub-issue: Their investigation did not fix an error on your report

I called the XXXX, XXXX and Equifax after I purchased a credit report with XXXX XXXX on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was an account on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2022. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, XXXX and hoping that this account Lates payment will be removed. 
XXXX XXXX Balance : {$7400.00}
Complaint sub-issue: Was not notified of investigation status or results

The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/2021 and Several times prior to that.
Complaint sub-issue: Account information incorrect

While checking my credit report, I notice an account from XXXX XXXX XXXX  that I believe is not being reported correctly on my credit report. On XX/XX/2021, ( See Attached ), I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2021, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus, ( which is attached ), asking them to verify or remove the negative report on my credit report that XXXX XXXX XXXX is reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for almost a year with no success, so I am writing to you to help me with this matter.
Complaint sub-issue: No notice of investigation status/result

Equifax has not request supporting information to support their reason for keeping wrongful information on my credit report. I was told by a rep over the phone that what happens is they contact the creditor and whatever that creditor says is what they report! That does not sound like a investigation. Where is the proof? Then when I asked if they got a copy of documents as proof they said they could refer me to a credit monitoring company they have that cost $ $ $ what ever and at that time they could help me further! So now I 'm thinking this is all making sense!. If you pay equifax they can show you ways to do things to correct CS that you can do yourself?! NOT.
Complaint sub-issue: Information belongs to someone else

I am a natural person and federally protected consumer. I am responding to your email contact about a alleged debt you are attempting to collect. You contacted me by email on XX/XX/2021. You identified the alleged debt amount as {$11000.00}. 

In pursuant to 15 U.S.Code 1692a ( 3 ), the term consumer means any natural person obligated or allegedly obligated to pay any debt. The term creditor means any person who offers or extends credit creating a debt or to who debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. I am the natural person that extended the credit meaning I am the original creditor. 

In pursuant to 15 U.S.C 1692b ( 2 ), Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt. XXXX XXXX XXXX has violated federal law by stating that I owe an alleged debt. Im pursuant to 15 U.S.Code 1692g, I am demanding validation and documentary evidence of this alleged debt. 

In pursuant to 15 U.S.Code 1692c ( c ), Please stop all communication with me and with this address about this debt. I am demanding that you remove this account from all major credit reporting agencies. 

Record that I dispute having any obligation for this debt. If you forward or return this debt to another company, please indicate to them that it is disputed. If you report it to a credit reporting agency ( or have already done so ), also report that the debt is disputed.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2015 XXXX XXXX XXXX ( Account ) # XXXX appeared on my equifax credit report with a balance of {$870.00} ( I am disputing this item ) Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law.  You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, 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 required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and 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 for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in  this matter to enforce my rights under the FCRA