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

I called a company ( XXXX ) on XX/XX/XXXX, to reserve a 16 day stay at a safe location, the company charged me ( XXXX ) for that location and sent me a receipt for that location. The company booked me in a different location than the one I paid for. I filed this dispute with my credit card company, XXXX. XXXX sent XXXX documents that verified that I did call them and had a call with them but not the specific evidence to effectively dispute my claim. However, DIscover said that I, " ... had a transaction with them ... '' and therefore would not reverse the charges to the vendor, XXXX. 
I have been making automatic payments to pay my bill since the beginning of using my Discover card and have done so until XX/XX/XXXX when I made the 'fraud ' dispute. DIscover had to send a new card and therefore my bank is no longer connected to them for payments. 

Discover did not do their due diligence to get the recording that would clarify this situation. They instead accepted the limited information XXXX provided and ruled in their favor. I have had Discover and XXXX look at this complaint no less than three times to no avail. I am filing a complaint against XXXX as well. 
Thank you.
Complaint sub-issue: Was not notified of investigation status or results

I have XXXX Collections showing on my credit report XXXX. XXXX XXXX and XXXX. XXXX XXXX. I have requested proof of these belonging to me. After 3 requests I have received nothing except an explanation that they are valid. XXXX XXXX has notified the bureau of a {$1.00} increase and then a {$1.00} decrease causing my score to fluctuate numerous times through the month. This is very frustrating that this is being allowed and no proper investigation has been completed. Attached below are screenshots of the notifications from the bureau. 
XXXX - XXXX XXXX balance increase of {$1.00} XX/XX/XXXX XXXX XXXX XXXX  balance decrease of {$1.00} XX/XX/XXXX XXXX XXXX XXXX  balance increase of {$1.00} XX/XX/XXXX - XXXX XXXX  balance decrease of {$1.00} There has been ample time to properly investigate and provide proof.
Complaint sub-issue: Information belongs to someone else

Hi, I XXXX XXXX have been dealing with issues with my student loan provider DEPT OF EDUCATION/NELN since XX/XX/XXXX ... there is an error on my XXXX and XXXX credit report in which the account was in forbearance I will upload the document showing proof of this and I notified the student loan provider and the credit bureau and they still remain to report this error on my credit report. I also mailed out on XX/XX/XXXX via certified mail with return label to this provider that this information needs to be fixed and to provide me with the original instrument of indebtedness in its original form for proof of this debt which also the lender has provided no response to me which also they received on XX/XX/XXXX. It's now going over 120+ days of no response since originally trying to reach out to this lender. It's to my understanding that there are laws put in place to protect consumer rights correct? By Law DEPT OF EDUCATION/NELN under account # XXXX this item must be removed from my credit report since the creditor did not respond and the bureaus must be held accountable for verifying this late payment while I have documentation from the lender themselves that there was no payment due on the account.
Complaint sub-issue: Was not notified of investigation status or results

on XX/XX/2022 i was requesting the credit agencies to remove all fraud alerts from my consumer report i never got a response back nor fraud alert was not removed
Complaint sub-issue: Don't agree with the fees charged

I was XXXX during this time frame and I would like this removed from my credit history also if I'm no5 mistaking the school shut down
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I closed the sale on a property I owned which was financed by Midland Mortgage and with in a few days ( XX/XX/XXXX ) I received the sale proceeds from Midland. 
In the process of applying for a XXXX XXXX XXXX refinance on another property several weeks later in early XXXX I noticed that the outstanding debt on my credit report was still about {$150000.00} higher than it should have been and to my surprise the payoff in early XXXX was still not showing a month later as having been payed. 
Ironically I had used mortgage payoff disbursement proceeds from Midland Mortgage to pay down {$24000.00} on my XXXX XXXX and it was showing paid off the very next day in early XXXX. 
I filed complaints with both XXXX and XXXX  and they both reported back in mid -XXXX ( XX/XX/XXXX ) that the Midland Mortgage loan was still showing open. 
I again called both XXXX and XXXX and they advised me that the Midland Mortgage account still showed open based on Midlands latest report to them. 

There in lies the problem, if my loan had been paid off one week earlier In XXXX, Midland would have forwarded their monthly report on XX/XX/XXXX ( less than 20 days ) to the various bureaus, but one week later they dont report until XX/XX/XXXX. 
So when I called on XX/XX/XXXX the Midland report of the loan payoff ( XX/XX/XXXX ) had not yet been able to hit the XXXX files. 
So a full 41 days after my payoff my credit score still showed a full {$130000.00} more outstanding debt than it should. Therefore my full outstanding balances was {$410000.00} or a full 33 % higher than reality. 
I could never know how the credit union scoring system works, but certainly 33 % debt can only improve my XXXX SCORE ( by XXXX points ) AND earn a lower interest rate on my VA refinance! 
I dont know what advantage slow reporting of payoffs gives to banks. After all its really just computers programmed to report to other computers. Maybe a bank shows more loan assets for longer. Certainly it cant just be sloth! If XXXX reports in one day, or I can pay a mortgage from my bank to XXXX electronically in XXXX day ; Midland can report my {$130000.00} payoff to all credit bureaus within the same period. AND NOT ADVERSELY EFFECT CONSUMER CREDIT REPUTATIONS AND SCORES! 
All creditors should be able to report credit status twice monthly! If not daily like XXXX XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Sent this to Citi... they believed the vendor and NOT the consumer... this site/merchant needs to be shut down. Citi denied my claim without even a call. The merchant is playing them with 100s of pages of fraudulent and misleading documents. They will not accept my return and told me they would just throw it away and deny they got it. XXXX dealer told me I was being forced to buy a fake product by a fake vendor. 

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX Citi Visa XXXX : Billing Inquiries Re : Notice of disputed charge to Account No XXXX XXXX XXXX Anywhere Visa Card by Citi-XXXX Coa Card by Citi-XXXX  Dispute Number XXXX XXXX Merchant : XXXX ( Fraud Site ) Dear [ Fraud and Billing Inquiries Division ] : I am writing to dispute a charge of {$170.00} to my credit account on XX/XX/2022. The charge is in error because the site is either fraudulent or sells damaged goods with no real XXXX  ( return process ). Local XXXX XXXX said they had never heard of their return process and they mentioned the part might be used or not from XXXX The part does not fit my car and or is damaged. 

I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. 
I have already reported the site to the FTC and the Texas Attorney General. While I still have the part, the representative told me to wait for the XXXXif  I get one before returning the part. He said if I returned the part with no XXXX, they would just throw it away. 

Again, the XXXX  requires me to take it to a XXXX XXXX to validate the part and or warranty. The local XXXX dealer told me they had never heard of such a process or this online site. The vendor will not accept the return without an XXXX, they said they would just throw it away and pretend they never got it. This is clearly a scam from this vendor and they should be shut down for selling fraudulent copycat parts. 
They are clearly taking advantage of the credit card claim process by saying the consumer still has the part. Again, the XXXX dealer said I was being sold a fraudulent part and there is no such thing as them verifying the part. 
The part has since become toxic as it is venting plastic chemicals ( smells ) and has started to disintegrate. If Citi and XXXX will not protect mewho will. 
Attached is a copy of the order and their XXXX  process. The second option is non-sensical since it still requires XXXX to validate/inspect the part. 

XXXX XXXX Vis a Card by Citi-XXXXVisa Card by Citi-XXXX Sincerely XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem getting your free annual credit report

REQUEST FOR XXXX XXXX XXXX XXXX!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX SS NUMBER ENDING IN XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

It saddens me that I have to make several complaints in the CFPB regarding Bureaus and their reporting processes. At least XXXX times Ive had to complain about duplicate accounts on my credit report and this is getting RIDICULOUS. Especially when Im in the market of buying a home. Upon checking my report, I noticed that both XXXX and Equifax are reporting duplicate information and incorrect information on my credit report. As a consumer I deserve the right to a credit report that is 100 % accurate, however, both Bureaus are allowing incorrect, inaccurate, and duplicate information to remain on my credit report. Account number : XXXX is reported on my report XXXX  times and is damaging my score. I have reached out to the Bureaus and told informed them about this inaccurate information and unfortunately, they have not responded. I am documenting this letter as an effort to hold Equifax and XXXX accountable for ensuring the information on my credit report is accurate. it is not accurate it needs to be deleted asap! THERE IS NO REASON OR EXCUSE FOR THIS TO BE ON MY REPORT XXXX  TIMES. I expect them to be deleted immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

I filed a Bankruptcy in XXXX of 2011 which did not go through and was closed with out discharge by the BK court which makes not an official BK. I have disputed this with Equifax over the years to have it removed on several occasions to no avail and I am not happy. It is my understanding that Equifax searches for public records with out investigation and does not care to see if the BK is legitimate or not. I was told this by the BK court. Credit Bureaus should not be allowed to do this kind of unfair, predatory and hurtful practice on consumers and they should be punished. It has been on my report for seven years something that was just filled closed with out discharge and never official. The rules need to be changed on how you the credit bureau collect a serious public record information like this. If a BK is official and goes through the courts and is approved sure it is legitimate put it on the report. If it never goes through and gets discharged or dismissed you the credit bureau should have it as a public record on that persons report therefor hurting the consumer by reporting something that was never made official and was only a filed document. I am going to request again to please have my BK removed immediately. If it is not removed I will take further action and go as high as I need to go with the Federal Government to get this removed and make sure you the credit bureau don't hurt the consumer with this unfair and predatory practice again.
Complaint sub-issue: Account information incorrect

In my credit report XXXX XXXX XXXX ACCOUNT # XXXX is showing a late payment 0n XX/XX/2018.The information is incorrect. I sold the car on XX/XX/2018 as showing on document upload.The late payment on XX/XX/2018 is incorrect. Please delete and correct the information.
Complaint sub-issue: Don't agree with the fees charged

XXXX XXXX XXXX Complaint # XXXX Response Date XX/XX/18 Issue is that I was charge a high fee of over {$14000.00} I call them and told them I disputed the high fee for deferred payment I had. 
They act I cant dispute the amount. I want the loan put on hold until the documents and a clear understanding is to the loan. 
XXXX XXXX XXXX did not resolve my issue with my complaint and when talking to them you get pass around from one person to another.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hello, I see on my credit report there are XXXX inquiries from CREDCO on XX/XX/2022. This shouldn't be XXXX separate inquiries, it should be XXXX inquiry. I did not authorize XXXX inquiries on the same day.
Complaint sub-issue: Debt is not yours

Dear XXXX ; I'm not quite sure what's taken so long, but it's been more than 60-90 days that i request your company and credit bureaus to look into this but for some reason, I haven't received any correspondence about this account. It's impossible that this collection was investigated and we're going into 3-5 months and I haven't received anything. It continues to report in violations and it continues to illegally re-aged. It's incomplete, inaccurate, and obsolete. I'm really shocked by the way that you're handling this situation and I would rather not spend or waste anyone 's time, and would rather want this deleted from my credit report. Not even the account status was updated if it was indeed looked at.
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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXXALL ACCOUNTS BELOW HAS VIOLATED MY RIGHTS*** XXXX  Account XXXX # XXXX has violated my rights. 
XXXX  Account XXXX  XXXX  IN CO # XXXX has violated my rights. 
XXXX Account XXXX # XXXX has violated my rights. 
XXXX Account XXXX # XXXX has violated my rights. 
XXXX Account XXXX # XXXX has violated my rights. 
XXXX Account XXXX # XXXX has violated my rights. 
XXXX Account XXXX # XXXX has violated my rights. 
XXXX Account XXXX # XXXX has violated my rights. 
XXXX Account XXXX XXXX # XXXX has violated my rights. 
XXXX Account XXXX  XXXX # XXXX has violated my rights. 
XXXX Account XXXX XXXX # XXXX has violated my rights.
Complaint sub-issue: Card was charged for something you did not purchase with the card

Re : Citi Double Cash Mastercard XXXX XXXX XXXX XXXX ( void number now ) Around XX/XX/20 my master card was declined. I called the next day and the computer said I was over the credit limit. I listened to the charges and heard a false {$9600.00} charge from XX/XX/20 On XX/XX/20 I called Citi card customer service XXXX and told them of the false charge. They said I needed to close the account as someone had my info and I needed a new card number. I said good, do it. After being on hold awhile they said they could not get the account closed. But it would be taken care of and I would receive a new card and new card number in about 10 days. I said ok. 
After around 10 days, I called and said I had not gotten a new card. The citi person told me they had both the {$9600.00} listed as fraud and a {$280.00} charge listed as fraud. The {$280.00} charge was not on the computer charges list of my first call. I asked what {$280.00} was about and they said a foreign transaction fee. I learned the {$9600.00} charge was about a {$14000.00} XXXX dollars charge. They said they would send me a new credit card by 2 day XXXX. I said fine. It arrived with the old account number, so I cut it up. I called citi and said I needed a new card number, they said ok and I would get it in some days. I said fine. 
Then I got a XX/XX/20 letter from citi which says we can not approve your request without ever even saying what request they were talking about. 
I then got a bill which did not have the {$9600.00} and {$280.00} removed. I called citi and talked to the fraud department on XX/XX/20, the call was claimed to be recorded. I told them the fraud needed to be removed from the bill. Then they started making strange statements. For example, the guy said : you reported {$3000.00} fraud. I said no, I reported {$9600.00} and {$280.00} fraud. So was this guy lying to me or did someone change the computer case records? He also said the records showed I requested the account not to be closed. Was this guy lying to me again or did someone change the computer records? I had requested the old account closed on every call since XX/XX/20. Citi repeatedly refused to close the account saying it needed to be open for the investigation. They said they would send a new card with a new number in 10 days and they did. I have not activated the new card number. 
I paid the credit card bill in full less the {$9600.00} and {$280.00}, prior to the XX/XX/20 deadline. Now on XX/XX/20 I got a new bill with zero new transactions and the {$9600.00} and {$280.00} still not credited. Plus there is interest now on the fraud. This statement should show a XXXX  balance and XXXX interest. I do not owe Citi anything from this old card : XXXX XXXX XXXX XXXX. ( I have not activated the new replacement card. ) I tried calling Citi on XX/XX/XXXX but so far I have not gotten through to Citi. I want a statement sent to me showing XXXX  due.
Complaint sub-issue: Reporting company used your report improperly

I sent letter to each credit agent stating that they need to send information obtaining this information via mail. And I didnt receive any type of validation from any bureau. I was just told they will not remove. But they wont send any proof of where they got this information. And they are required by federal law to provide court documents directly from the court to put on my credit. Or a signed document from myself. 

Per the FCRA 623 ( a ) ( 5 ) : If the credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify-through physical verification of the original signed consumer contract and/or judgment ( s ) - all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.
Complaint sub-issue: Account status incorrect

My credit report has a revolving XXXX account that is reported as being an open account. I contacted a XXXX credit specialist who stated accounts are not reported on after 7 years and there was no record of any account in my name. The account is being reported as open still.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX  XXXX XXXX XXXX Balance Owed : {$500.00} XXXX  XXXX XXXX XXXX Balance Owed : {$9300.00} XXXX Balance Owed : {$1300.00} XXXX XXXX Owed : {$160.00} Date Opened : XX/XX/2021
Complaint sub-issue: Reporting company used your report improperly

With reference to the Fair Credit Reporting act, The following companies/account holders have violated my rights. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX 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 : Also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Information belongs to someone else

I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into Equifax do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked Equifax to Please block, remove or delete this information pursuant to section FCRA 611.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.