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

To Whom it may concern : On XX/XX/2018 we rented a compact car from XXXX XXXXXXXX in XXXX XXXX. The rental fee amount for the duration of the rental ( 10 days ) was paid in cash, in order to get a lower rental rate. Per our contract attached to this document, there was a rental refundable deposit charged to our card in the amount of XXXX XXXX pesos, plus {$1300.00} added to cover rental fee difference, due to cash shortage at the time of the rental. 

On XX/XX/XXXX, the vehicle was returned with no damages or fuel charges. We were told the deposit would take approximate 2 weeks to show on my credit card. On XX/XX/XXXX, per merchant request a copy of the contract was transmitted over " XXXX '' application and agreement was reached to refund deposit in the amount of XXXX. Per merchant " XXXX '' communication, attached to this email, the refund was going to be issues on by Friday that week. Per " XXXX '' chat transcript attached to this email, the merchant agreed on returning deposit by Friday XX/XX/XXXX end of business day. So far we have not received the refund. 

Today, we contact them again and were told that due to an internal government and bank fraud investigation all funds have been frozen pending an investigation. 

Citibank has closed the case on me twice and have not provided a credit to our account.
Complaint sub-issue: Was not notified of investigation status or results

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Received unsolicited financial product or insurance offers after opting out

There was a bankruptcy filed in XX/XX/2018 it was voluntarily dismissed without the court paying anything within 60 days it was a mistake and its active on my credit report
Complaint sub-issue: Problem with fees

Contacted Citi regarding current balance of {$1.00} on XX/XX/XXXX..The balance of the account was paid in full on XX/XX/XXXX. I have been a customer for 12 years. I am told this amount was per the terms of the agreement taken out when card was opened. There are no charges on the account at this time. The current charge of {$1.00} is due on XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

I am a natural person/ private person with an exemplified judicial order. I am a living person, and I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681, and they have violated my rights for decades, which has destroyed my credit. I demand the accounts listed below be removed. Equifax has violated the following consumer laws : 15 USC 1681, I have a right to privacy, and I did not give Equifax written permission to furnish these accounts.

15 USC 1681 a ( 3 ) ( 4 ) ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 USC 1681b ( a ) ( 1 ) ( 2 ) ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

The following are negative accounts on my credit report : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Other problem getting your report or credit score

I called XXXX yesterday about the concerns about why my score has not been reported to credit karma. So I got in contact with credit karma they stated that XXXX wasnt report my score to them, they havent update my XXXX score to the company. So when I called XXXX fax they give me a XXXX  XXXX excuse saying they are reporting my score every month. I told the bureau that credit karma stated the last report was XX/XX/2022 they sit own the phone lie in my face! Which I have proof they never updated nothing!
Complaint sub-issue: Information belongs to someone else

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  XXXX Account number : XXXX, XXXX XXXX/XXXX  Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX  Account XXXX, XXXX  Account number : XXXX, XXXX XXXX & XXXX Account number : 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

There is a collection account with XXXX XXXX XXXX account # XXXX on my credit report that is invalid and I have filed a complaint against the debt collector for continuing to report an invalid account to my credit reports. XXXX has removed the collection, however XXXX and Equifax still show the accounts without regards to the accuracy. The debt collector has had 15 days to investigate my dispute, and they have asked for an additional 60 days to look into the dispute. Therefore, I demand that XXXX and Equifax remove this collection account from my credit report immediately.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I went into XXXX car dealership in XXXX  Ohio to look at two vehicles. They were {$15000.00} vehicles. When I walked in my salesperson was not available like he was supposed to be, and the cars that I had an appointment to see were already sold. I explained over and over and over that the {$15000.00} was my budget and I wanted to stick to it. After being given the runaround for an hour I was told that XXXX dealership could do a SOFT PULL on my credit to see what kind of numbers they could work with. I very specifically explained that I have been through a bankruptcy recently that was discharged about a year ago and my credit is damaged and I'm working very hard to improve it so they only have permission to run my credit two times through XXXX XXXX  and XXXX  dealership. After the salesman and finance man sat in the office for almost another hour, they came back with a crazy payment. I said there's no possible way that would be a payment on a {$15000.00} car. I said how much did you estimate the sales price to be? They refused to tell me and they said not much more than the XXXX. After they told me I was denied by everyone I left. The next day I was informed on XXXX XXXX that the credit bureaus are now reporting between 7 and 14 HARD INQUIRIES depending on the credit Bureau from dealerships I have never heard of, lenders I have never heard of, and for a {$30000.00} loan!!!!!!! I sent both the manager as well as a representative who contacted me my complaint, frustration, and nobody will respond to me. I gave them explicit direction to not run my credit more than two times as I had this very detailed conversation with my sales person who also informed me that he went through a bankruptcy in XX/XX/2008 and knew exactly where I was coming from and he guaranteed it would not be ran more than two times. My credit score just plummeted even further because of their neglect and wrongdoing! I did not give them permission to run my credit through all of those lenders and dealerships. Especially through ones that I know I can't get a loan through to begin with because of my bankruptcy. I never would have given anyone permission to run my credit through a bank where I know I can't get a loan in the first place, let alone for an amount twice my budget!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. XXXX XXXX services has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX services under 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 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.
Complaint sub-issue: Account status incorrect

XXXX/XXXX XXXX sold my mortgage to XXXX XXXX on XX/XX/XXXX. As I was being notified about the sale in XX/XX/XXXX, I was confused about the process and was unsure who to pay. I take my credit very seriously and have not missed a payment the entire time I've had my loan with XXXX/XXXX XXXX, but was confused as to whom to pay for what month. I immediately paid when I discovered the issue. XXXX XXXX was paid for both XX/XX/XXXX and XX/XX/XXXX.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

CITI dispute department Does NOT do a good job in reviewing the case. they skim through material, and not put their customer 's benefit at first. They are not being transparent to their review process and just gave out vague reason for what they did. I have solid and strong evidence to prove my case but they choose to ignore, or not care. I need an explanation!
Complaint sub-issue: Debt is not yours

IC debt collectors put themselves on report 6 months ago. Turns out they are saying they are collecting for a utility company and the last time account was operating was 5 years ago????? Ive asked several times for documentation especially billing and payment history and they cant and wont provide me with anything. 

I told them several times social services was last handling and paying the account. I couldnt pay it years ago and social service took it over so the power to the home wasnt turned off because there were young children living there with me as well anyway the collection agency refuses to send any proof of any billing. I am not responsible for any of social services dealing with them. I lived in the house and didnt pay an electric bill for 5 years. I would see bills mailed and see social services make some payments but it had nothing to to do with me. Thats the law in my are I guess becasue thats how the electric stayed on all those years without be payng anything because I didnt have anything. So I C systems wont send me any documentation of anything. If they did the billing all those years back would show any payments made to the account were made by social services. 

Ive tried several times to explain this and all they do is make threats
Complaint sub-issue: Account information incorrect

I made a Payment Plan with Citi Bank Collections Department because the account was closed and I wanted to pay me debt off. I am really grateful that they gave me credit. We made an agreement that I would pay {$260.00} every month for 31 months and my debt would be complete and I wouldn't owe any money. They also said that no extra charges including past due balance or interest would be added as long I was still enrolled with the Payment Plan. Today I got an email from the credit bureau saying that there was a change with my Citi Bank XXXX Account. I checked and they added {$200.00} to the amount past due balance. Please help me. Thank you and have a great day.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Please see original complaint ID XXXX. This issue is not resolved. I demand to know the method of validation and verification that was used to verify these unauthorized inquiries. " INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY '' is not a valid response to investigate the cause of my unauthorized inquiries. Furthermore, in my original complaint, I also advised I was provided incorrect information from employees at Equifax, this issue was also never addressed. My complaint was closed by Equifax without fully investigating my complaint and coming to a resolution. 
Below are the unauthorized inquiries. I need to know the method of validation that was used to confirm that I authorized these inquiries, if not under FTC these need to be removed. Inquiries in question are the below XX/XX/XXXX XXXX - CARD SERVICES XXXX - CARD SERVICES, XXXX XXXX XXXX XXXX, XXXX, DE XXXX XX/XX/XXXX XXXX - CARD SERVICES XXXX - CARD SERVICES, XXXX XXXX XXXX XXXX, XXXX, DE XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, KS XXXX XX/XX/XXXX XXXX XXXX SERVICES, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, TX XXXXXXXX XXXX  XXXX, XXXX XXXX - CARD SERVICES XXXX - CARD SERVICES, XXXX XXXX XXXX XXXX, XXXX, DE XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX
Complaint sub-issue: Reporting company used your report improperly

To Whom it may concern, I recently challenged the validity of XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Collection ) account thats being reported on my most recent credit report. Upon challenging this, XXXX ( Credit bureau ) deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true, I am requesting the information, you used to verify this account in writing. If such documents can not be produced, please DELETE this account from my credit report immediately.
Complaint sub-issue: Reporting company used your report improperly

I am currently applying with my bank, XXXX  XXXX XXXX, to refinance a property in XXXX XXXX. My representative total me what my credit scores are and I was suprised because they greatly differ from the scores provided to me by XXXX. XXXX  said that my score was XXXX before the lender pulled the score and after the lender pulled the score. I also asked a second lender who performed a soft pull (? ). Both of these lenders received a score of XXXX for XXXX. Even Equifax ( XXXX to the Banks and XXXX to me ) and XXXX XXXX ( XXXX to the banks and XXXX to me ) scores were different than the score given to me. Both banks received the same score - XXXX. 

Note, I paid XXXX  to see what your lenders see. Yet, the scores given to me were remarkably different that the scores given to the two banks. I dont know how this is not fraudulent. 

This has resulted in a higher interest rate of a {>= $1,000,000} loan, very frustrating. They tell you that you can " see you credit score, '' however, this is meaningless if the credit score they show you is different than the credit score that they supply to others. I am sure there are people who have paid these credit reporting agencies to access their files and to raise there scores ( At least that is what they advertise to borrowers. ), yet the information provided is not accurate and is horrifically misleading. I am sure that many borrowers are mystified when they are denied loans. All the while, these credit reporting agencies are raking the money in from millions of people with false hopes of being able to see what the lenders see. 

I have tried to reach XXXX, but their numbers are automated, recorded responses. There is no option that provides a human on the phone and no choice for a disparity between the credit report given to the lender and yourself.I have written a letter, and have not received a response. I asked my Bank to inquire why there is a difference and the bank said that it is always different. How is this OK?
Complaint sub-issue: Problem during payment process

This is the second time in as many months that I've had to file a complaint against Citibank regarding their unscrupulous billing practices. I have a regular balance, and a no interest promotional balance on my account. My minimum payment due for XXXX was {$28.00}. On XX/XX/XXXX, I made a payment of {$28.00}. That satisfied the minimum due on my account. On XX/XX/XXXX, I made a second payment of {$25.00}. I told Citi to apply that to my promotional balance, which they did. Then on XX/XX/XXXX, I made a third payment for {$75.00}. I again asked Citi to apply that payment to my promotional balance. However, they won't do that because they are trying to claim that I didn't pay my minimum payment of {$28.00}. They are attempting to only count that second payment of {$25.00} I made on XX/XX/XXXX and are refusing to acknowledge the payment of {$28.00} I made on XX/XX/XXXX. This is the same tactic they tried to pull on me a few months ago and I had to file a complaint then too. I believe they are trying to prevent me from paying off my promotional balance by the expiration date so that they can charge me 18 months worth of interest on that balance.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX  Account Name XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written 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.
Complaint sub-issue: Debt was paid

I cleared my apartment on XX/XX/XXXX-2012 With a move out balance of XXXX  dollars. Due to being XXXX XXXX Military and leasing with this company I had to enroll in the RPP program to protect service members as well as the company leasing the apartment. I have no clue why they charged me and continue to effect my credit. Attached is the document signed by myself and XXXX XXXX XXXX manager in 2012. I finally found this document when going through old files.