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

I am requesting a {$300.00} credit to my CITI credit card. 

I have disputed and continue to dispute a XXXX XXXX, 2020 charge for {$300.00} with XXXX.XXXX. 

On XX/XX/2020 CITI generated a letter to me saying the investigation was closed in the merchant 's favor and I had until XX/XX/2020 if I wanted to continue the dispute and submit evidence. I never received a copy of that letter. 

In early XX/XX/2020 I accidentally found the letter in my CITI account. I immediately submitted additional evidence and made about six follow-up phone calls as my case was not resolved. 

On XX/XX/2020 CITI generated another letter saying the investigation would be closed as my additional evidence was not submitted by the XX/XX/2020 deadline. Again, I received no copy of this letter via mail or email or other digital alert, but I did accidentally find it in my account. 

On XX/XX/2020 at about XXXX XXXX  EST, I spoke with billing dispute supervisor XXXX. 
Per her admission, neither the XX/XX/XXXX nor the XX/XX/XXXX letter was sent to me in hard copy. 
Per her admission, I was enrolled in paperless communication. 
Per her admission, no email or other alert was sent to me in regards to that XX/XX/XXXX or XX/XX/XXXX letter. 

However, per the TERMS & CONDITIONS of paperless enrollment, for such legal notices, " we will notify you by email ''. ( Those Terms & Conditions pasted below. ) As such, CITI did not abide by their terms & conditions of my paperless enrollment, and by not abiding by their duty, I was not informed of the deadline. However, as soon as I learned of the deadline by accident, I immediately responded both by letter and numerous phone calls. 

In simpler terms, CITI said they would keep me updated by email, yet they set a deadline and never informed me of it. But then in their XXXX XXXX, 2020 letter, they are finding against me, as I did not abide by their deadline that they did not tell me about it. 

CITI 's mistake of no email notification is their fault alone. While CITI must abide by XXXX 's dispute process, but for CITI 's mistake, I would have met the deadline. 

I request a {$300.00} credit from CITI to my credit card. 



" Enrollment in Credit Card Paperless Statements and Other Communications " We send cardmembers various types of legal notices, including notices of increases or decreases in credit lines, privacy notices, account updates and statements. Currently, we can provide some of these legal notices, including statements, electronically. We are working towards being able to provide all of these legal notices electronically. When we are able to provide all legal notices electronically, we will notify you by email. In the meantime, if you choose to receive legal notices electronically, you will need to monitor both your U.S. postal mailbox and your email inbox for legal notices. ''
Complaint sub-issue: Account information incorrect

I reported to you XXXX XXXX for incorrect information on my credit report. They fixed it on my XXXX and XXXX but not my XXXX. XXXX sent me a letter saying they fixed the issue and I have that letter but its not fixed on my XXXX report.
Complaint sub-issue: Information belongs to someone else

Please remove these accounts that aren't mine.
Complaint sub-issue: Was not notified of investigation status or results

I am a veteran. I have fought for this country for my whole life just to come back and be treated like trash. My family and I have been struggling to find housing during this pandemic to find financing. My entire life I have been mindful of my finance obligations. According to 15 USC 1681 ( A ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and GENERAL REPUTATION OF CONSUMERS. You can review my credit report as evidence to see that my reputation in fact has been ruined. This section clearly says that a consumer 's credit report was established to identify a GENERAL REPUTATION OF CONSUMERS. Also, I stated before I was a victim of the Equifax Data Breach.
Complaint sub-issue: Public record information inaccurate

I have a bankruptcy on my Equifax credit file that I didnt file in XX/XX/2015 and it showing on my Equifax file and this is stopping me from getting a mortgage I never file in XX/XX/2015
Complaint sub-issue: Didn't receive terms that were advertised

I received an offer on Citi 's website and via email to receive {$400.00} if I open an account with {$15000.00} in initial funding ( with many restrictions in fine print ). 

I opened and funded the account on XX/XX/XXXX by clicking on the offer and providing the information needed to open an account. 

I followed up with customer service on XX/XX/XXXX to verify that I was meeting the terms of the promotion. I was told that I was meeting the terms of the promotion and that I could expect to have my account credited after I kept the funds in the account for 60 days. 

I followed up with customer service to ensure that I was correctly meeting the terms of the offer on XX/XX/XXXX and inquire about the promotion. The representative told me that I was meeting the terms and that I could expect to see a {$400.00} credit on XX/XX/XXXX. 

I followed up again on XX/XX/XXXX to inquire about the offer. I was told that I would receive the {$400.00} credit on XX/XX/XXXX. 

I followed up again on XX/XX/XXXX to inquire about the offer. I was told that a case would be open to investigate my issue. I received a communication on XX/XX/XXXX saying that their investigation was complete and that they were not aware of any promotion offered in conjugation with the opening of my account.
Complaint sub-issue: Information belongs to someone else

EQUIFAX, XXXX, AND XXXX IS IN VIOLATION : 1. UNDER THE FAIR CREDIT REPORTING ACT, 15 U.S.C. 1681 ( G ) I HAVE THE RIGHT TO DEMAND THAT YOU DISCLOSE TO ME ALL OF THE DOCUMENTS THAT YOU HAVE RECORDED AND RETAINED IN YOUR FILE CONCERNING THE ACCOUNTS THAT YOU ARE REPORTING IN MY CREDIT REPORT. 

2. IF YOU DO NOT HAVE ANY DOCUMENTATION IN YOUR FILES TO VERIFY THEACCURACY OF THESE DISPUTED ACCOUNT ( S ) THAN PLEASE DELETE IMMEDIATELY. AS REQUIRED UNDER FCRA 611 ( a ) ( 5 ) ( A ) ( i ). BY PUBLISHING THESE INACCURATE AND UNVERIFIED ITEMS ON MY CREDIT REPORT AND DISTRIBUTING THE TO 3RD PARTIES YOU ARE DAMAGING MY REPUTATION AND CREDIT WORTHINESS.
Complaint sub-issue: Information belongs to someone else

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

XXXX Acct XXXX ( XXXX, Equifax, XXXX ), XXXX Acct XXXX ( XXXX, XXXX ), XXXX XXXX XXXX XXXX Acct XXXX ( Equifax ), XXXX Acct XXXX ( XXXX , Equifax , XXXX  ), XXXX XXXX Acct XXXX ( XXXX  , Equifax , XXXX ), XXXX XXXX XXXX XXXX Acct XXXX ( XXXX , Equifax ), XXXX XXXX Acct XXXX ( XXXX , Equifax ), XXXX XXXX Acct XXXX ( XXXX ), XXXX Acct XXXX ( XXXX , Equifax , XXXX  ), XXXX XXXX Acct XXXX ( XXXX , Equifax , XXXX ),  XXXX XXXX XXXX Acct XXXX ( Equifax , XXXX ), XXXX Acct XXXX ( XXXX , Equifax , XXXX ), XXXX, XXXX Acct XXXX ( XXXX ), XXXX XXXX XXXX Acct XXXX ( XXXX , Equifax , XXXX ), XXXX XXXX Acct XXXX ( XXXX , Equifax , XXXX ).
Complaint sub-issue: Account status incorrect

I was shocked when I reviewed my credit report and found late payments on the dates below : XXXX XXXX - XXXX**** XXXX to XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Complaint sub-issue: Information belongs to someone else

There are numerous accounts listed on my report as collections that I have no knowledge of. These accounts are a result of malpractice or error.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX - Late closed
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX account # XXXXXXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX FLORIDA ) Account # XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) Account # XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXXXXXX XXXXXXXX XXXX # XXXX XXXX ( Original Creditor : FL XXXX XXXX XXXX XXXX MD XXXX Account # XXXX ARS Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Information belongs to someone else

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXXL XX/XX/2021 XXXX XXXX XX/XX/2021
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

I did not authorize a hard credit pull of my credit. I only authorized a soft pull. 

Any hard pull of my credit is to be reduced to a soft pull or removed altogether. 

No authorization was given to have a hard pull of my credit file.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Debt was paid

Back in XX/XX/XXXX I filed a complaint on XXXX who was trying to collect on a account that I had already settle and paid the amount that we settle on. XXXX contacted me about a old phone bill that had been placed in there office by XXXX for collections XX/XX/XXXX for  {$1000.00}. I ask XXXX to provide me proof that I owed {$1000.00} they could not. I had the last bill which stated I only owed around {$450.00}. I provided the collection company with that information in which they agree to take payments of {$150.00} until the {$450.00} was paid. After paying the agreement amount I never heard from the company again. I remember went recived my credit report and they have put another {$600.00} collection on my file after I have paid the required amount! I would like for the account to be marked as paid in full and removed from my credit report! I have attached my bank statement for the 3 payments totaling {$450.00}. The company now has now sold the debt to another company. I already settle on a amount with a different company which has been paid! Now they have resold the debt making it like I havent paid anything! This account had been detrimental to my credit score and has prevented me from obtaining financing! I again ant the account removed and marked paid in full I have paid the money that I have been asked for!
Complaint sub-issue: Their investigation did not fix an error on your report

Pursuant to Fair Credit Reporting Act 1681i ( a ), the CRA that receives the dispute must conduct a reasonable reinvestigation of the dispute. The Consumer Reporting Agency also must notify the furnisher of the dispute. That is generally done electronically through an automated consumer dispute form, or XXXX. 

Once notified by a CRA of a consumer dispute, the furnisher of the disputed information must do its own reasonable investigation. A reasonable investigation under FCRA 1681s-2 ( b ) requires the furnisher to examine sufficient evidence to determine whether the disputed information is accurate. If a furnisher can not affirmatively verify that it has accurately reported disputed information, 1681s-2 ( b ) ( E ) of the Fair Credit Reporting Act requires the furnisher to modify, delete, or permanently block the reporting of the disputed information. 
Please conduct an investigation with the deed of court or clerk of court and forward me the finding or delete the public record!
Complaint sub-issue: You told them to stop contacting you, but they keep trying

Carmax continues to violate my consumer rights. I have sent an affidavit of truth, debt validation letter, and cease and desist. They continue to harass me on a daily basis, multiple times a day.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX Account XXXX XXXX, XXXX ACCOUNT XXXX, XXXX ACCOUNT XXXXXXXX XXXX XXXX ACCOUNT XXXX, XXXX XXXX ACCOUNT XXXX, XXXX ACCOUNT XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Information belongs to someone else

XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX : XXXX -- -> : {$4000.00} XXXX XXXX XXXX : XXXX -- -> : {$18000.00} XXXXXXXX XXXX : XXXX -- XXXX : {$9900.00} XXXX XXXX : XXXX -- XXXX {$1700.00}
Complaint sub-issue: Reporting company used your report improperly

Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I recently file a complaint with Equifax about some disturbing information I noticed on my credit report and I havent heard anything back in regards of that dispute. Who game Equifax permission to report anything on me in the first place? I need answers now!
Complaint sub-issue: Information belongs to someone else

A address was reported on my credit report on XXXX/XXXX/XXXX and it was n't me
Complaint sub-issue: Information belongs to someone else

contacted credit reporting agency about incorrect information on file and they reply that information is correct without providing me any details as to how the came to that conclusion. 

I've ask for a proper investigation but they are refusing to provide their verification method
Complaint sub-issue: Information belongs to someone else

I've sent a previous complaint about the FCRA violation from a creditor as well as all 3 credit bureaus. I requested a copy of a signed contract along with the statue of limitations and charges that said creditor is saying that I owe. It's been 8 months and the only thing they've sent was a weird statement showing interest charges from a card that I've never had. This also violates my rights, because it was removed about a year ago and has since been Reinserted and I was never made aware of this from XXXX XXXX which is another violation. This debt has never been verified thus the credit bureaus have allowed it to come back on to my profile showing verified. How can they be allowed to do with a bogus statement. This is not only hurtful especially because I do not owe this debt at all. My son is in his last year of school at XXXX College in XXXX and this is preventing me from paying his balance with a Parent Plus Loan so that he can graduate on XX/XX/2020. This debt is not mine please force them to remove this immediately. 

My previous Complaint ID # XXXX Warmest Regards, XXXX XXXX
Complaint sub-issue: Account information incorrect

I opened a case with CFPB ( XXXX ) on XX/XX/2022. The company responded quickly on XX/XX/2022. They stated they would resolve the situation, " As part of our investigation, we reviewed your account history and submitted a request to each credit report agency to remove the account from your credit report. Please allow up to 30 days for the update to be reflected on your credit report ''. I was very happy with the decision. I waited patiently for 60+ days for the account to be removed from all agency reports. They were not removed, so I emailed the company on XX/XX/2022. I have not received a response. I am only asking for them to follow through & remove the account from my credit. 

I am attaching the original case & response from the company stating they would request the removal of the account from my credit history.
Complaint sub-issue: Debt is not yours

After checking My credit report today, it has come to my attention that Enhanced Recovery Company a debt collector is attempting to collect on a debt that I have no recollection of and/or do not own. ERC has added this debt to my credit report without any formal communication to me. They have also failed to properly document this debt as valid. At NO POINT did I have a debt with XXXX the original creditor cited on the ERC listing on my credit report. This company has hurt my credit rating by 24 points after I have worked so hard to fix my credit. I NEVER owned an account to XXXX and I nor do I owe anything to ERC as I have NEVER dealt with this company as well. The amount the claim thats owed is {$960.00}.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Investigation took more than 30 days

Would you mind investigate this personal information for me - Seems little awkward with certain information? I was going through my personal information on my credit, and I was wondering if you don't mind fixing it to reflect the Identification, social security number, and proof of address I attached to this letter? Can you do me that favor? 

I mean, is there a reason why my personal information on my credit report contains errors? 

Basically, I am looking at my credit report, I noticed errors with my personal information, misspelled of my actual name, wrong, unknown old previous addresses, and some non-accounts hard inquiries that I'm not 100 % sure how it's here, and how you can mix such file. This is big issue for me - Can you please fix it for me? As far as I know by reading the FTC, FCRA laws and regulations, all others are inaccurate and/or outdated information must be deleted immediately from my credit report as they are not reportable as per the FCRA, since they are inaccurate.
Complaint sub-issue: Billing problem

On XX/XX/2021 XXXX sent a loan payoff check to the address given to me by BBVA. The BBVA representative apparently gave me a PNC address ( which they are currently completing a merger ). The check went to a PNC location, XXXX XXXX XXXX, XXXX, PA XXXX and was signed by an XXXX XXXX. XXXX is saying that PNC cashed the check. The payment was never applied to my BBVA account. BBVA opened two investigations and can not find the check, which I've sent them a copy of with information about it being cashed. PNC says they have no record of my check and can't access my account because they haven't completed a system merge. I can not get in contact with the PNC location that the check physically went to. XXXX can't perform a stop payment and reissue the check to BBVA because PNC has cashed this check.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX US DEPT ED XXXX Account # XXXX XXXX, Account # XXXX XXXX  XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Account # XXXX XXXX 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
Complaint sub-issue: Information belongs to someone else

THE INVESTIGATION TOOK LONGER THAN 30 DAYS PLUS I HAVE NOT RECEIVED ANY UPDATED ON THE DISPUTES.