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

This complaint regards the way Citicard handled the following dispute : We booked four nights at the XXXX XXXX and XXXX XXXX XXXX XXXX for XX/XX/XXXX, 2018. We booked after speaking to the owner over the phone and inquiring as to whether there was any mold in the room we booked, as I am an XXXX  who is highly XXXX to XXXX, and I know that rooms near the ocean can often be damp and moldy. He assured us there wasn't. ( The website also stated that the rooms were XXXX free, ) We paid a deposit and upon arriving paid the balance, though the innkeeper ran our card two times as he thought there was a problem the first time he ran it through. When he took us to the room, there was an unmistakable smell of mold, which immediately led to a reaction. We spoke to him about it, but he claimed that it was not a problem/ Instead of leaving immediately, we told him that we would open the windows, take a long walk, and try to air the place out, but if that didn't solve the problem, we would not be able to stay there. Upon returning, the smell of mold had not dissipated, and we told the owner we could not stay there. We never took " possession '' of the room -- we mere ; y put luggage in the room and then, upon returning from the walk, took it out. We fully had intended to fulfill the contract we had signed, had the conditions been as they were described by the owner and on the website. When we initially spoke to Citicard, they told us they " had our back, '' and, after submitting a dispute, the charges were conditionally reversed. However, when the innkeeper wrote back, all charges were reinstituted, including the double charge that even the innkeeper indicated himself was a mistaken charge in his letter to Citicard. After numerous phone calls, we were able to get the double charge that was no longer in dispute resolved. However, we wrote another letter in response to his letter ( which was full of inaccuracies and outright mistruths ). We received a letter back from Citicard indicating our dispute had been closed and that we would have to pursue other means to get our money returned. Had we lived nearby, we would have sued in small claims court or whatever the XXXX equivalent is to that. However we live over 3,000 miles away. 

Citicard has all the documentation in relationship to this dispute, though I believe, based on their total disregard about the lack of a dispute regarding the double charge, they were going through the motions with this dispute and did not read anything very closely. Instead, they reflexively sided with the merchant and, although I documented what happened in writing and I spent a good deal of time on the phone with them, they ultimately refused to consider the validity of our complaint. After closing the case, and after asking if they could be of any financial help to us, Citicard did refund us {$20.00}  out of their dispute " slush '' fund, but this was at best an empty gesture and at worse an insult of the highest degree. It was the innkeeper, not us, who broke the contract, but we are ones who are out over {$800.00}.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

INQUIRIES / Hard pulls/Negative Also without my permission from XXXX XXXX on XXXX XXXX and Equifax XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2022 I contacted Equifax by phone after obtaining a copy of a consumer report they furnished without my written consent containing confidential information that they have shared with other persons. Pursuant to FCRA 15 USC 1681 ( b ) ( a ) ( 2 ) it is a federal violation for a consumer reporting agency to furnish a consumer report without written instructions of the consumer to whom it relates. I never gave Equifax any written instructions to furnish a consumer report listing my confidential information. My rights have been infringed upon with unfair treatment as in accordance with 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ) these reportings impair my confidence as a consumer as banking systems are relying on fair and accurate credit reportings. I have not been able to obtain various forms of credit as a result of the lack and inaccurate reportings of my reputation, character, credit standing, credit capacity, and credit worthiness on behalf of Equifax. Equifax took no effort to remove all fraudulent information. The improper use of my credit and confidential information is still evident through the consumer report they have with my information on it.
Complaint sub-issue: Information belongs to someone else

I NOTICE ON MY CREDIT REPORT   XXXX   XXXX   NEVADA ADDRESS AND I NEVER LIVED IN   XXXX   XXXX   NEVADA. I DO HAVE FAMILY IN   XXXX   XXXX   NEVADA AND A RELATIVE THAT NAME IS VERY SIMILAR TO MINE. I PROVIDED THE CREDIT BUREAUS WITH 17 YEARS OF ALABAMA  STATE I SSUED DRIVERS LICENSE AND I SENT OVER TO CREDIT REPORTING AGENCY TO SHOW THEM THAT I HAVE BEEN IN ALABAMA ALL MY LIFE AND THIS IS NOT MY DEBT. AND THEY STILL WANT CORRECT OFF MY CREDIT REPORTS ALL   XXXX    XXXX , EQUIFAX,  XXXX . THERE WAS A CHAPTER  XXXX , VEHICLE, LOAN, REALTY COMPANY CHAPTER  XXXX  BANKPRUTCY   XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX    THESE ARE NOT MY DEBT. NEVER LIVED IN   XXXX   XXXX   NEVADA.   PLEASE ASSIST
Complaint sub-issue: Account status incorrect

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF EDXXXX US DEPT VETS DEPTEDXXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF EDXXXX US DEPT VETS DEPTEDXXXX Equifax Information Services LLC XXXX. XXXX   XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX  XXXX  DEPT VETS DEPTEDXXXX
Complaint sub-issue: Their investigation did not fix an error on your report

EQUIFAX AND XXXX HAVE AN ACCOUNT ON MY REPORTS THAT SHOULD HAVE BEEN REMOVED. I AM A VETERAN AND NEED THIS REMOVED. 
XXXX XXXX XXXX
Complaint sub-issue: Attempted to/Collected exempt funds

Allied Interstate in XXXX placed a wage garnishment against me on a student loan debt that was outstanding ; while making small payments from time to time. I not once spoke to anyone at this collection agency in regards to this matter. In XX/XX/XXXX, I took a FMLA from my employer to care for a parent after being here since mid XXXX. In XX/XX/XXXX, my father past away in my care during his illnesses. During this time small payments were being made directly to Department of Education 's website. Needless to say, I have been attending college since ( if not mistaken ) XX/XX/XXXX up to this present time. After speaking with a representative in regards to the garnishment, she asked if I could settle the account immediately I am not in a position to settle a XXXX account. Some papers were mailed to me to assist with making paying arrangements in order to release the garnishment. To mention once again at this present time I am still attending college. I am requesting monies to be paid back, and release the garnishment against XXXX XXXX XXXX XXXX XXXX. Especially after returning back to work from XXXX, and we are working during the summer months. The XXXX for 10 months are employed for 180 days. There has been XXXX occurrences were XXXX payments have been garnished during this time. XXXX XXXX XXXX XXXX XXXX began XX/XX/XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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 XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$370.00}, XXXX XXXX XXXX XX/XX/XXXX {$790.00} EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX {$340.00} XX/XX/XXXX, XXXX XXXX XXXX XXXX230.00} XX/XX/XXXX, XXXX XXXX XXXX {$790.00} XX/XX/XXXX XXXX : XXXXXXXX XXXX XXXX  ACCT {$340.00} XX/XX/XXXX, XXXX XXXX XXXX {$790.00} XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXk XX/XX/XXXX, XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, Members First XX/XX/XXXX, Ive reached out countless times to the bureaus, emails, calls, calling and speaking with XXXX different people and still no results.
Complaint sub-issue: Reporting company used your report improperly

I have filed disputes online and mailed request to remove inquiries : Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX  Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX XXXX , XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX/XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX/XXXX  XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX/XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX : : Date of Inquiry : XX/XX/XXXX Company Information : XXXX/XXXX  XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX : : Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX : : Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX XXXX XXXX XXXX. 
Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX  XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX   Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX
Complaint sub-issue: Frequent or repeated calls

On more than XXXX occasion, I was called at work and on my cell phone by an Account Manager XXXX. An account manager left several messages for me through the office manager at my job. This has caused complete embarrassment and anxiety for me at work. More recently I've received numerous threatening emails. This ordeal has given me anxiety and stress. I communicated that I do want to work to clear my debt and that I'm currently under dire financial constraints. When I didn't reply as quickly as the Account Manager, XXXX XXXX expected, I was harassed.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX a certified letter was mailed to Equifax asking them to delete the information that was reporting inaccurately on my Credit report. The certified letter was received on XX/XX/XXXX at XXXX. The letter requested that I demand XXXX XXXX XXXX be removed from my credit report due to Equifax reporting the date of last activity they have listed on the credit report is XX/XX/XXXX. How can this be? When the account according to the credit report was opened a whole year later on XX/XX/XXXX. So this would mean this information is reporting wrong and incorrect. I have asked Equifax to remove this account but yet and still it still reports on my credit report. I also have a letter from XXXX XXXX XXXX where this account should have been removed last year in XX/XX/XXXX along with XXXX  and XXXX I have disputed this account several times with Equifax and yet they have been lackadaisical about removing items and reporting erroneous Information to the CRA. According to the Fair Credit Reporting Act this should be deleted and is suit for a law suit.
Complaint sub-issue: Didn't receive services that were advertised

Yesterday ( XX/XX/19 ) I filed for a {$170.00} Equifax settlement. I now hear on the news that it was a fraud. I supplied them with all my personal information,
Complaint sub-issue: Not given enough info to verify debt

Since XX/XX/2016, I have been trying to communicate with XXXX to verify and validate my debts successfully with a contract bearing my signature and they have been unsuccessful in doing so. Note, today is XX/XX/2016 so six months have passed with only a bill statement to show. Recently, i initiated an online dispute with Equifax regarding this debt and they said that the debt was " validated ''. How has the debt been verified and validated? Under the FCRA, a contract bearing my signature has to be supplied, and XXXX does NOT have a contract with me regarding this debt.
Complaint sub-issue: Information belongs to someone else

Starting on XX/XX/XXXX I started the process of Disputing debt through XXXX XXXX who was reporting 10 accounts to my credit reports, all the same, account number but different amounts totaling {$41000.00}. I first sent a letter XX/XX/XXXX,  XX/XX/XXXX to XXXX XXXX and again on XX/XX/XXXX to all 3 credit reporting agencies. I explained these accounts did not belong to me and were unverifiable. All accounts did not meet the Metro 2 compliance requirements for reporting accurate data. I included the FTC Advisory Opinion to XXXX ( XX/XX/XXXX ). In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide accurate ( and perhaps not clear ) disclosure of all information in the file. They basically state that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act. 

I provided copies of my 8 different letters addressing each line item on my credit bureaus and copies of the signature required service proof of delivery receipts via XXXX along with evidence that both the FCRA and FDCPA were both violated by not addressing the dispute in accordance and within the allowed 30 days. 
I referenced the following, " I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. ''
Complaint sub-issue: Debt is not yours

I purchased a mattress from Sears in XX/XX/XXXX for {$980.00}. I paid the balance off in full when I received the bill from Sears. I never again used the Sears Citibank MasterCard and called the Sears credit card department to close the account on XX/XX/XXXX at XXXX XXXX. I was never made aware during that phone call with Sears that the credit card had any current unpaid balance. I received a letter from XXXX XXXX XXXX this week that said my Sears MasterCard was charged off with a current balance of {$1500.00}. I never received a single phone from Sears or Citibank to notify me of three separate fraudulent charges on my credit card.  XXXX XXXX told me today when I called them that my card was used fraudulently three times in XXXX  XXXX, MO in early XX/XX/XXXX. I live in Virginia and have never stepped foot in the state of Missouri. I used my Sears MasterCard once to purchase my mattress. XXXX XXXX advised me today that once my Sears Citibank Mastercard was charged off and closed that it would not show up on my credit report. XXXX at XXXX XXXX told me it was the policy at Citibank to wipe it off my credit report when the credit card account is charged off and closed. I have my XXXX phone records and bank statements to verify that I was never is XXXX  XXXX, MO. Sears, Citibank and XXXX XXXX XXXX are attempting debt collection on fraudulent charges.
Complaint sub-issue: Information belongs to someone else

one auto loan that does not belong to me has been reporting under my equifax credit bureau and they have not been helpful at all, i had tried to dispute and delete this inaccuracy from my credit file, but they are not helping, each time they are either not disputing or trying to get rid of me for not answering the security questions right, please you are my last hope they are screwing my credit by reporting inaccurate information and i have been very much stressed as a single mom, please have e to get to the bottom of this. 
appreciate you cooperation in this matter. 
thank you
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2019 someone was trying to finance a car in my name without my knowledge ... As a result of that I see several inquiries on my credit report that are not mine ... upon getting a paper XXXX of my credit report I have kk these inquiries I did not do myself nor give anyone permission to run my credit. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .. I called each credit bureau and they as told even though it was fraud because I didnt do it myself or give anyone permission that they were not going to remove.. I also called the police to make a police report and was told since no account as opened they couldnt find a report ... I am requesting all these inquiries be removed from all 3 credit bureaus ...
Complaint sub-issue: Frequent or repeated calls

The company is called Veros Credit. They are a bank loan company for auto purchases. They call and just sit on the phone they never answer when I pick up the phone. They hang up on me. They make threats to repo my vehicle even though I pay. They call almost 100 times daily. They even call and threaten my family and friends. They call at XXXX. And before XXXX XXXX. I'm tired of it
Complaint sub-issue: Didn't receive notice of right to dispute

I received an email from XXXX XXXX from XXXX XXXX and XXXX that my credit report changed because I closely monitor it. A collection account was added to my account and I do not know what it is. I never received anything about the collection in the mail, nor did I receive a right to dispute or anything about the collection. When I logged into my XXXX account my Social Security number was showing incorrect. I have filed a dispute on that and the collection that is not mine and was never informed in any way about this being added to my credit report or the right to dispute it. I have NO CONTRACT with Jefferson Capital Syst. I did not open any accounts in XXXX 2021 in my name. Verification was never sent to me regarding this collection added to my credit report. I have no idea who Jefferson Capital SYST is.
Complaint sub-issue: Deposits and withdrawals

I contacted  XXXX  by phone and they are refusing to allow me to access the money credited to me by  XXXX  currently on my account. I have contacted them multiple times by phone and they also are refusing to return the money to me by check or other means.
Complaint sub-issue: Problem with personal statement of dispute

There is an account in question, which was charged off in 2019. XXXX XXXX is asking me for payment on the account and claiming that I am a joint account holder and owe the debt. This is not true, I am only an authorized user. I asked them to send me a copy of the original application for the credit card, which should clearly outline my relationship to the card, but XXXX XXXX claims that they no longer have access to the original application. They are continuing to report the debt to the three credit bureaus and it is hurting my credit score. I am asking XXXX XXXX to furnish a copy of the original application and provide evidence that I am a primary account holder, if they can not do that, or refuse to do that, then I am asking for this debt to be removed from my file and social security number and that the debt is removed from my records permanently and that XXXX XXXX report to the three credit bureaus that I am not associated with that account.