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

On XX/XX/XXXX, I called the Citi Travel Desk ( XXXX ) in order to make a booking using the Citi 4th Night free benefit and my corporate XXXX member code. This is not doable online, unfortunately, so I had to call in to make the  reservation. I was marking a reservation at the XXXX XXXX XXXX  XXXX, XXXX Downtown, from Sunday, XX/XX/XXXX through Thursday, XX/XX/XXXX ( 4 nights ). The travel concierge put me on hold to call XXXX and make the booking, but we were disconnected during this process. The concierge did not attempt to call me back, and I did not authorize a charge or total amount. I did not receive a confirmation email from either Citi Travel Center or XXXX. 

On XX/XX/XXXX, I called the Citi Travel Desk again. I told the agent that I had been disconnected on a previous attempt making this reservation, and asked them to check and confirm that it had not been successfully made. They indicated that there was no record of the reservation, and I should proceed to make a new one. I received an email indicating that this reservation had been made, for a total of {$550.00} before the 4th Night Credit. This reservation was a refundable corporate reservation, for the same property and same dates as noted above. 

On XX/XX/XXXX, I opened my XXXX account to print out my reservation details prior to my trip. I was surprised to find two different reservations for the same property in my name. One was the expected reservation under my corporate code, and another was a non-refundable booking made at the normal daily rate, for a total of {$590.00}. I checked my credit card statement, and saw the charge from XX/XX/XXXX for this amount. 

I called the Citi Travel Desk to figure out what had happened. They indicated that they had no record of the nonrefundable reservation having been made, and no reference to it in their system. They attempted to contact XXXX to obtain additional details ; XXXX indicated that the travel agent number and email addresses matched XXXX 's contact information. XXXX indicated to me that because they had no record of this reservation, it would not be eligible for the 4th night credit no matter what course of action I took. 

Seeing as I had not authorized the charge at any rate other than the corporate rate I was trying to book, that XXXX had incorrectly directed me to make a second reservation, and that even if I kept it, it would not be eligible for the 4th night free benefit, I proceeded to contest this charge.

After disputing, Citi resolved the claim in favor of themselves, indicating that even though I had not authorized the charge by Citi Travel Center and the Citi Travel Center actually *lost* the booking, it was a non-refundable charge and thus I am liable.
Complaint sub-issue: Was not notified of investigation status or results

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, ACCOUNT THAT SAY CHARGE OFF AND ACCOUNT THAT DONT BELONG TO ME. A LETTER OF EXPLANATION IS ENCLOSED.
Complaint sub-issue: Information belongs to someone else

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. XXXX XXXX XXXX {$3100.00} XXXX XXXX XXXX {$310.00} XXXX  XXXX {$510.00} XXXX XXXX XXXX {$0.00}
Complaint sub-issue: Information is not mine

XXXX XXXX The following account above does not belong to me, and it stopping me from getting a job.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I disputed a charge with XXXX XXXXXXXX. I did not open an account. The amounts were provisionally refunded and the card was cancelled and I was issued another card. The subsequent mastercard was also charged an amount by XXXX XXXXXXXX and my account was frozen. After the banks further investigation they stated they were unable to resolve the matter in my favor and charged back my account the amounts. 

Upon further investigation I have found that MasterCard/Citi are part of a credit card updater program which allows for Merchants to automatically receive updated credit card information. My credit card info, after I stated this information was obtained via fraudlent means was given again to this creditor. My new card information is being given to a vendor that I have stated repeatedly has obtained my information via fraudulent means and I the customer is having to pay for fees associated. I need this resolved as soon as possible.
Complaint sub-issue: Reporting company used your report improperly

I have requested for the method of verification and proof on the accounts that were reflecting on my credit reports that were incorrect and erroneous but no proof and response provided.
Complaint sub-issue: Information belongs to someone else

This is my fifth 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 fraud. Under the FCRA section 605b, I am requesting of you to remove the following accounts off my Credit File : XXXX XXXX  XXXX Balance : {$980.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$900.00}. If you believe that the disputed accounts belong under my name, you should have send me results of your investigation to support your claims. In the absence of such documents you should have removed the disputed accounts off my Credit File.
Complaint sub-issue: Information belongs to someone else

not mine : fcra not mine : XXXX XXXX XXXX This request can not be processed online. XXXX  maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX This request can not be processed online. XXXX  maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX J XXXX
Complaint sub-issue: Account status incorrect

On XX/XX/XXXX I went to review my credit report as I periodically do through XXXX and XXXX XXXX. I noticed that I had a new collection account for {$90.00} that I wasn't aware of which had negatively affected my credit. It looked like it was from XXXX, but I have been and am current on all of my XXXX payments. I contacted XXXX, and after doing some research, they discovered that it was a past due payment from XXXX although on my report it stated that it was opened XX/XX/XXXX. I asked XXXX why they had never mentioned a past due amount since I have current accounts with them, but the representative wasn't sure. She was able to tell me that the collection was through a company called Enhanced Recovery Company or Enhanced Resource Centers ( ERC ), and she gave me their number. I contacted them and made the payment through an automated service. Upon further investigation, I realized I had never received any notification of this debt. When I went through the automated service they had the wrong address on file. I never received a phone call or letter regarding this matter or I would have addressed it. In addition, the information on my report was wrong because it stated that it had been opened on XX/XX/XXXX, and listed it as one month old instead of 12 years. I called ERC back to explain this, and they disputed what I was trying to explain to them. I filed a dispute with XXXX and XXXX ( it didn't appear on XXXX ), and the dispute has been granted and the collection item has been removed. 

My complaint is the unfair and inaccurate tactics used by ERC, and I am hoping that they do not continue this practice of reporting old debts as new debts on credit reports, especially without any notification to the alleged person that owes the debt.
Complaint sub-issue: Trouble with how payments are being handled

I am filing this complaint against Fed Loan Servicing for refusing to honor 15 payments made towards Public Service Loan Forgiveness ( PSLF ). 

I have had federal student loans since XXXX. Between XX/XX/XXXX and XX/XX/XXXX, I worked for a nonprofit organization and was making monthly payments that counted towards the Public Service Loan Forgiveness Program. Under this program, I would make 120 payments towards my loan so long as I worked full time as a teacher, at a nonprofit or for the government. During that time, I made 15 payments that counted toward loan forgiveness. My loan servicer at that time was XXXX XXXX, and I have attached the payment history that shows the payments made during that time ( see page 10 ). 

In XX/XX/XXXX, I applied for loan consolidation. On XX/XX/XXXX I received a letter from Fed Loan Servicing ( the new servicer ) that stated that my consolidation was almost complete ( see attached letter ). The letter indicated I expressed interest in the Public Service Loan Forgiveness Program and advised me of my payment plan options under this program. Nowhere in the letter was I informed that I would need to restart my 120 payments from zero due to the loan consolidation. 

On XX/XX/XXXX I received a letter from Fed Loan Servicing informing me that the consolidation was complete ( see letter attached ). Again, I was not informed that my previous 15 payments toward PSLF would not be honored because of my loan consolidation. 

On XX/XX/XXXX and XX/XX/XXXX I called Fed Loan Servicing to inquire how many payments were still needed for me to meet the 120 required under PSLF. During both of these calls, I was informed that any payments made to XXXX XXXX do not count toward PSLF because I consolidated my loans. I was never informed of this in the 2 letters I received from Fed Loan Servicing. Additionally, I have called Fed Loan Servicing on several occasions between XX/XX/XXXX and XX/XX/XXXX, and have continuously been told my my prior payments do not count. 

Since XX/XX/XXXX I have made an additional 63 payments toward PSLF ( see attached letter, note the letter was sent in XXXX and I have made additional payments since then. The letter indicates I made 60 payments ). 

I believe that Fed Loan Servicing is engaging in abuse and unfair loan servicing practices. I have made payments towards my loan and worked for a qualifying PSLF program employers in good faith. I was under the impression that my payments would count, and I was not informed until after the consolidation that they would not count. Had I known this, I never would have consolidated my loan. I am sure I am not the only borrower who is being taken advantage of by Fed Loan Servicing. In this situation, they are committing financial abuse against me as a consumer. 

As a resolution, I would like my previous 15 payments when I worked full time for a nonprofit from XX/XX/XXXX to XX/XX/XXXX, to count towards my PSLF, increasing my qualifying payments from 63 to 78 payments.
Complaint sub-issue: Company closed your account

I had purchases charged to my Discover Banking accounts ( Debit Card ), Discover Card ( Credit Card ), and XXXX XXXXXXXX ( Debit Card ) that I either did not make and/or were charged erroneously to my Accounts. I had deposited my personal funds and my XXXX XXXX, Iowa, legally appointed Guardian/Payee funds that I had withdrawn from the XXXX XXXX XXXX into the Discover Banking account. The XXXX XXXX XXXX, in conjunction with the Discover Banking account personnel, are charging my account and my Guardian/Payee account monthly account balance fees ( {$63.00} each ). After closing the Discover cards, I was told that it would take sixty ( 60 ) days to refund my personal funds because the accounts were closed by Discover for suspicious activities in each and in the interim charges would continue to accumulate and be deducted from my personal funds. I am enclosing copies of letters from XXXX and Discover.
Complaint sub-issue: Information belongs to someone else

Equifax caused an FTC violation on my credit reports at this point I'm not exactly sure but need to look at my credit please send a copy of most current credit report Equifax has not let me get into my accounts
Complaint sub-issue: Told you not to respond to a lawsuit they filed against you

I called hunter warfield spoke with XXXX XXXX  tried to resolve balance with XXXX XXXX, she was rude and also stated I had a judgement placed against me which i am unaware of. i asked to speak to a supervisor she became rude and stated '' he's just gon na state the same thing I'm telling you '' finally transferred me to XXXX XXXX after leaving me on hold for a long period of time. I made an offer due to my income I was willing to pay XXXX due to what I got on my taxes, I'm a single mom of XXXX. I explained to him I had to move due to my daughter having XXXX XXXX XXXX. I explained to them my taxes were XXXX and I was willing to give them the whole thing, knowing that this debt is 4 years old. he then returned to me that it doesn't matter how old the debt is the client will only take 80 %. After he told me that I asked if he could take my offer back to the client XXXX stated that " HE WILL NOT TAKE THE OFFER OF XXXX BCK TO THE CLIENT CUZ HE DOESNT HAVE TO ''. I felt there was no option but for me to file a complaint due to them being rude and unprofessional and untruthful in regards to the judgement. Tried to setup payment plan they stated that it would not update on my credit report, again I am a single mom of XXXX and my daughter needing the extra medical services due to her XXXX my finances are very tight. After speaking to XXXX he did no try to help me with this at all and he hung up abruptly with out hope to resolve this matter.
Complaint sub-issue: Debt is not yours

Well with all do respect, I did twice talked to the XXXX in XXXX XXXX XXXX Utah about this when it first came out asking them to help me removed/fixed because it was not mine and i was told they were going to looked at it and let me know but they never did. Then i received letters from collection companies to pay more than XXXX XXXX dollars of medical bills which does not belong to me and i have called the collection company ( IC System Inc ) twice asking to dispute because it was not mine, I remember asking twice for disputing of the same claim and so far nothing has been done to it. This is within the last 5-6 years I think and still today its been ruining my Credit Report.

IC System Inc collection company. 
So please Im asking for help to see if this can be removed off of my credit report as soon as you can with all do respect, appreciated.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I sent a letter to this credit bureau to dispute an incorrect address they are reporting. I have sent enough proof that the address they're reporting needs to be corrected and updated to what I've sent them. Since then I received credit reports in the mail that are showing the correct address and the incorrect address. They once had the correct address on their report on XX/XX/XXXX but they changed it back to the incorrect address on a new report on XX/XX/XXXX. This credit bureau is in violation of FCRA Section 623 and CUSHMAN, v. TRANS UNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F.3d 220. This is damaging towards identifying myself, obtaining future credit and is causing me distress.
Complaint sub-issue: Was not notified of investigation status or results

I sent a dispute letter through USPS mail to Equifax on XX/XX/2021. The details of the dispute are inside the letter. Equifax have not responded to this letter. Equifax have not informed me if they have opened an investigation regarding the disputed item/items in the dispute letter. 
Equifax need to provide a respond to me ASAP since it is now way over 30 days. 
Equifax needs to open an investigate to address the dispute within the letter. 
Equifax needs provide details of the investigation.
Complaint sub-issue: Their investigation did not fix an error on your report

I have written XXXX on XX/XX/22 they never sent me any validation on my two letters I sent them regarding the amount of XXXX, and for XXXX. My letters have been ignored by the bureaus ; and they are in Hippa violation as well! These items need to be deleted according to fcra, they have 30 day timeframe and it is way beyond that.
Complaint sub-issue: Reporting company used your report improperly

This Complaint is about Equifax In the month of XXXX of this year XXXX I disputed Multiple Fraudulent accounts that were reporting to all 3 bureaus. Equifax, XXXX XXXX XXXX. I sent multiple dispute Letters explaining the FCRA laws. I clearly stated in this Dispute Letter that this Debt is NOT owed by me and it is a Violation of the Fair Debt Collection Practices Act FDCPA -807 ( 15 USC 1962e ). 

On XX/XX/XXXX, I received an Alert from Equifax. They explained to me that all Fraudulent Accounts have been deleted off my file. My file was all clear and my score raised back into the mid XXXX where it originally was. 

I recently checked my Monitoring Service and Noticed on XX/XX/XXXX Equifax Reinserted an account that was previously Deleted. This account which is XXXX XXXX XXXX was one of the fraudulent accounts that I disputed and Equifax Deleted it off of my file. 

Now they have Reinserted this account reporting as Closed, {$30000.00} owed & Opened XX/XX/XXXX with a 76 month term with 97 % current payment made with one Not current payment in XX/XX/XXXX. This information is incorrect. 

The FCRA law states I was supposed to receive notification in writing within 5 business days about reinsertion of previously deleted accounts.

Here is a snippet of the Dispute Letter I sent to Equifax about reinserting this account : In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing no later than 5 business days after the reinsertion or, If authorized by the consumer for that purpose, by any other means available to the agency.

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the Law.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX 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 XXXXThis 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 XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to Equifax dated XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor If you do not authenticate these accounts, I will take legal action against you. 

XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

I have disputed 2 accounts with Equifax S.S. # XXXX Credit file : XXXX XXXX Conf # XXXX/Account # XXXX Credit file : XXXX XXXX Conf # XXXX Account # XXXX I have disputed these collections accounts recently and Equifax has failed at legitimately verifying that these accounts belong to me ; nor do I consent or will I conform to these items being listed in my credit file fraudulently. I have attempted to dispute these accounts with an Equifax representative over the phone with no success, the representative was not fluent in English. The collection agency XXXX XXXX XXXX XXXX that is reporting this information to Equifax is currently under investigation for fraud by the U.S. Security and Exchange Commission and I have reason to believe that Equifax is willfully and negligently reporting inaccurate and unverifiable information.