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

Transaction Details : Transaction Date : XXXX Transaction amount : {$610.00} Merchant : XXXX XXXX aka : XXXX XXXX  XXXX Dispute Details : Bank XXXX XXXX XXXX  XXXX XXXX Fax : XXXX XXXX Dispute amount : {$610.00} Dispute ID : XXXX XXXX XXXX aka XXXX is the company my retirement  company  contracts to purchase amusement park tickets ( XXXX ). XXXX  XXXX  aka XXXXXXXX is managed by XXXX XXXX XXXX ( XXXX  ), is located in Florida. 

On XX/XX/2021, I went on XXXX to purchase ( 5 ) XXXX tickets. As directed by their website, beforee purchasing the tickets, I clicked on their link to review the XXXX calendar to ensure XXXX XXXX XXXX XXXX reservations were available for Monday, XX/XX/2021. According to the XXXX  link, their calendar indicated " Tier " 2 '' was available so I purchased ( 2 ) adult and ( 3 ) children 's tickets for a total of {$610.00}. After purchasing the ( 5 ) tickets with my Citi Bank credit card, I printed each ticket as directed. Next, I attempted to make our XXXX XXXX reservation for XX/XX/2021, but was informed by the XXXX web site that the park was not available, so I immediately called XXXX XXXX  ( XXXX  ) customer service at XXXX XXXX and was directed to call XXXX customer service at ( XXXX ) XXXX opt # 1. Their customer service rep told me the " third '' party ticket company ( XXXX  ) was not providing " real '' time park availability on their website. " The Tier 2 tickets that XXXX  website were available were not " unable '' and only Tier 5 tickets were eligible for XX/XX/2021 ''. Another words, the tickets that XXXX  sold me were " unuseable ''. I called XXXX  and informed them about the information that XXXX customer service had told me that XXXX  sold me " unusable '' tickets. Two days later I received an email from XXXX  indicating they were unable to upgrade my tickets to Tier 5 and were not able to refund my {$610.00} since my purchase was made as a " final sale product ''. 

In summary, I have ( 5 ) XXXX tickets that cost me {$610.00} that are " worthless '' because XXXX  sold me " unusable '' tickets that XXXX will not honor or allow me to upgrade to '' Tier 5 ''. 

On XXXX, I filed a dispute with CitiBank informing that I received a product that was " unusable ''. On XX/XX/2021, CitiBank informed me that the merchant ( XXXX  ) would not " honor my request for {$610.00} credit '' and they ( CitiBank ) do not have the authority to " reverse the charges ''
Complaint sub-issue: Information belongs to someone else

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report XXXX  XXXX XXXX XXXX {$1600.00} XXXX XXXX {$9000.00} XXXX XXXX XXXX XXXX {$500.00} COLLECTIONS XXXX {$160.00} XXXX XXXX {$1500.00} XXXX XXXX {$580.00} XXXX  XXXX XXXX {$330.00} XXXX  XXXX XXXX {$530.00} XXXX XXXX {$940.00}
Complaint sub-issue: Information belongs to someone else

I was checking my credit at my broker 's home because I want to buy a house and I noticed that there are multiple erroneous accounts reporting on my credit profile that I did not authorize. I was a part of a data breach and my personal identifying information was compromised. The accounts and inquiries that are fraudulent are listed below : Account Name : Discover Bank Account Number : XXXX Amount Owed : {$500.00} Found Out About Account : XX/XX/XXXX Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Amount Owed : {$470.00} Found Out About Account : XX/XX/XXXX Opened : XX/XX/XXXX Account Name : XXXX Account Number : XXXX Amount Owed : {$800.00} Found Out About Account : XX/XX/XXXX Opened : XX/XX/XXXX Account Name : XXXX Account Number : XXXX Amount Owed : {$700.00} Found Out About Account : XX/XX/XXXX Opened : XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX Amount Owed : {$340.00} Found Out About Account : XX/XX/XXXX Opened : XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Amount Owed : {$2000.00} Found Out About Account : XX/XX/XXXX Opened : XX/XX/XXXX Account Name : XXXX Account Number : XXXX Amount Owed : {$900.00} Found Out About Account : XX/XX/XXXX Opened : XX/XX/XXXX Account Name : XXXX Account Number : XXXX Amount Owed : {$0.00} Found Out About Account : XX/XX/XXXX Opened : XX/XX/XXXX Account Name : XXXX Account Number : XXXX Amount Owed : {$290.00} Found Out About Account : XX/XX/XXXX Opened : XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX Amount Owed : {$490.00} Found Out About Account : XX/XX/XXXX Opened : XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am worn-out of sending dispute letters to Equifax requesting that they correct this mistaken account being stated on my Credit File because they have been doing nothing! This complaint is to follow up my prior protests and letters I submitted on XX/XX/XXXX and to notify them that I am halfway of taking lawful action and litigate Equifax for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the account on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The account that should be adjusted is : XXXX XXXX CT XXXX XXXX XXXX XX/XX/XXXX Balance $ XXXX Late Date XXXX
Complaint sub-issue: Debt was result of identity theft

This company has violated my consumer protection laws. I am a federally protected consumer. They are saying that I owe them a debt which is false and they are reporting my personal information to the consumer reporting agencies without my consent. 
Pursuant to 18 USC 8 After 1933, the government agreed to assume ALL liabilities that arise under transactions using your credit card ( social security card ). 
Pursuant to 15 USC 1602 ( i ) Congress defines a credit card as ANY card, plate, coupon, book or other credit device existing for the purpose of obtaining money, property, labor, services on credit.

Pursuant to 15 USC 1692e Congress states that a debt collector may not use any false, deceptive, or misleading representation or means in connection with he collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation. 
( XXXX ) the false representation of XXXX XXXX XXXX the character amount, or legal status of any debt All the letters. and statements that you have sent me has been in a positive amount. How do I owe something that is positive? Its in a positive amount because it has already been paid by the United States pursuant to 18 USC 8. Thats false representation of the character amount or legal status of any debt. 
I have been violated as a federally protected consumer and I demand that you zero out the balance and remove the account from all consumer reporting agencies IMMEDIATELY!! If you do comply I will hold you civily and criminaly liable for non compliance.
Complaint sub-issue: Their investigation did not fix an error on your report

I have reached out to Equifax on XX/XX/XXXX, XX/XX/XXXX, and just recently on XX/XX/XXXX regarding inquiries that are on my credit report that have not been addressed nor erased. 

Equifax has continued to give me a computer generated response informing me that inquiries are matters of factual data. Equifax reported HARD inquires against my report and I have stated to Equifax that those were never authorized by me. The companies who listed those inquiries would not communicate with me because of other legal matters, but Equifax has not mad any attempts to correct this inaccuracy. 

Ref : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, ( requested removal ) XXXX XXXX XXXX ( Should be recoded as soft inquiry - not hard )
Complaint sub-issue: Information is missing that should be on the report

Equifax is being reporting my information wrong or information is missed several times. I have tried to use the web site and call by phone several times and they are not able to verify my identity. 
I have sent letters with documentation and they haven't answer. I phoned again and they keep saying they can't verify my identity. 
I'm missing at least three accounts. 
I can see in my report obtained through XXXX of the three bureaus, that Equifax corrected some info ( not everything ), but still when I phone of try to use to check things over the website, they say they can't verify my identity. 
The couple of times they asked me questions to verify my identity, they asked questions about loans and mortgages I never had and they say I'm not answering correctly. 
They just placed a dispute over one of my accounts in XXXX XXXX, I didn't request, and they are not opening the dispute I do request over the account in XXXX XXXX. 
They are not including my employ information even I have sent to them already my payroll doc.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX Name : 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 an account without my written instructions
Complaint sub-issue: Account information incorrect

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168 XXXX XXXX XXXXXXXX # XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX 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 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 have continually received calls from a XXXX that ask for various names of people ( XXXX XXXX, XXXX XXXX, XXXX, etc. ) about missed payments. Not only am I NOT any of these people, but I have no outstanding card debit. 

Upon googling the number I came to find that the harrassers are Discover card in XXXX, OH. I have notified them several times that it 's the wrong number due to 1. I am not who they ask for and 2. I closed my Discover account 5 months ago due to their ineptitude. I also came across a web board where dozens of people have had the EXACT same thing of being continuously called by Discover & asked for the same people ( XXXX XXXX, XXXX, etc ), even though they have stated on numerous times that it 's the wrong number. They always want to argue with me about who I am. Growing frustrated, I called them back and asked for a supervisor. After debating with one of their XXXX, I was finally put in contact with a supervisor named XXXX XXXX, who felt it appropriate to tell me " we can call whoever we want until we are satisfied '' and when I told her I had been called over XXXX times, she said " Oh well. '' I filed a complaint with the FTC after every call and yet, they have done nothing. 

Growing tired of their XXXX times a day calls and the FTC refusing to do their jobs, I contacted the XXXX, who sent the information forward. I received an e-mail from a XXXX XXXX who is listed as the Executive Office of Customer Advocacy of Discover shortly there after and a plea to call her so we could " figure this out. '' Upon calling her, I talked to yet another XXXX who could n't comprehend English very well. Stating first that " she had left for the day '' I notified him that I was in the process of contacting a lawyer due to the continuous harassment at which point he stated " Uhhhh, give me a minute, she might be around. '' After several minutes of being on hold, he stated " she 's in a meeting, she 'll call you back. '' I 'm still waiting for that call. 

All in all I have been called XXXX times, XXXX of them in the last XXXX weeks. I 've talked to a XXXX at Discover who I literally had a 5 minute conversation with about not being XXXX XXXX and he wanted to argue that I was. He called back the very next day and had the same arguement. I 've talked to a XXXX that has asked for XXXX different people when she 's called me in the span of 3 days and when I told her I was neither, her response was " are you sure? " The continued harassment by this company goes beyond unreasonable and somebody really needs to hold them accountable for their actions. Either through fines or just a good old fashion XXXX, I do n't care, but it is ridiculious. 

Dates and Times of the last XXXX calls : 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: Investigation took more than 30 days

XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX ( XXXX ) XXXX <<<<<<<<<< ( ADDRESSES ARE WRONG, PHONE NUMBERS ARE NOT MINE ) XXXX XXXX  XXXX {$12.00} XX/XX/XXXX <<<<<<<<<< ( NOT MINE, WHY WAS THIS NOT VERIFIED THROUGH ORAL OR WRITTEN COMMUNICATION, HOW IS THIS VERIFIED AS ACCURATE? 

XXXX XXXX XXXX XX/XX/XXXX <<<<<<<<<< ( NOT MINE, WHY WAS THIS NOT VERIFIED THROUGH ORAL OR WRITTEN COMMUNICATION, HOW IS THIS VERIFIED AS ACCURATE? <<<<<<<<<< XXXX XXXX XXXX {$0.00} XX/XX/XXXX <<<<<<<<<< ( NOT MINE, WHY WAS THIS NOT VERIFIED THROUGH ORAL OR WRITTEN COMMUNICATION, HOW IS THIS VERIFIED AS ACCURATE? <<<<<<<<<< XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX <<<<<<<<<< ( NOT MINE, WHY WAS THIS NOT VERIFIED THROUGH ORAL OR WRITTEN COMMUNICATION, HOW IS THIS VERIFIED AS ACCURATE? <<<<<<<<<< XXXX  XXXX {$2000.00} Date Opened XX/XX/XXXX <<<<<<<<<< ( NOT MINE, WHY WAS THIS NOT VERIFIED THROUGH ORAL OR WRITTEN COMMUNICATION, HOW IS THIS VERIFIED AS ACCURATE? XXXX XXXX XXXX XXXX, XXXX XXXX Account Type FHA Mortgage Balance {$0.00} Date Opened XX/XX/XXXX <<<<<<<<<< ( NOT MINE, WHY WAS THIS NOT VERIFIED THROUGH ORAL OR WRITTEN COMMUNICATION, HOW IS THIS VERIFIED AS ACCURATE? <<<<<<<<<<
Complaint sub-issue: Problem with customer service

I am currently a XXXX resident attempting to enroll in PSLF. I work for a non-profit and clearly am eligible. I have been submitting the required paperwork for a year to FedLoan Servicing to re-enroll in PSLF after my loan service changed last year. I have not been able to get in contact with them for over 6 months. I have emailed and called multiple times, and their online chat never is available for use. There are many eligible payments ( toward the 120 total ) that are not being documented this year. I am very disappointed in the federal loan service I am receiving right now.
Complaint sub-issue: Their investigation did not fix an error on your report

I am reaching out to The Consumer Financial Protection Bureau to inform you that there was fallacious reporting of late payment on my credit report for XXXX XXXX XXXX  ( account number : XXXX XXXX XXXX ), late payment were reported for the month of XX/XX/2022. After multiple times respectfully requesting to remove inaccurate information from my credit report, and sending proofs of not being late on my payments, I requested a letter from XXXX XXXX XXXX stating that I was not late, and the original creditor took full responsibility for the late reporting and corrected their internal data base to reflect no such late reporting after submitting the proofs for disputing violation from credit bureaus reporting false information, I received a letter from the credit bureaus describing that the late payment was verified with the creditor, this is 100 % a false statement because, I have a recorded phone conversation with XXXX XXXX XXXX, where representative after checking my statement by voice confirming that I have never been late in payments. Please see attached with the reversal of the late in the statement. I trust that you will give this matter your undivided attention,. I am currently in the process of obtaining a mortgage and this late reporting is preventing me from getting a mortgage. 

Violations codes According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. It is also my understanding that Under the FCRA 15 U.5.C. 5 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately
Complaint sub-issue: Reporting company used your report improperly

Equifax sent me their reinvestigation of the fraud address OF XXXX XXXX XXXX XXXX VIRGINIA XXXX XXXX place on my credit by XXXX  and Equifax to my knowledge. My FTC identity theft # XXXX. 
REPORT # ATTACHED under my name XXXX XXXX XXXX It lists the creditor info as follows COMPANY NAME NO ACCOUNT NUMBER XXXX Equifax states they removed it. 
Ok. I need the creditor information of the entire credit detail inquiry PLACED ON MY CREDIT WHILE I HAD IT FROZEN XX/XX/2019. THIS is unacceptable. The FCRA ACT STATES I am legally entitled to the creditors information so that I can call and investigate. Equifax send me the total details of the credit inquiry placed on my Equifax and XXXX  credit while frozen XXXX XX/XX/2019 of XXXX XXXX XXXX XXXX Virginia. 
Or is the companies name Company name no account number. 
Because this has my personal paid for fax service NUMBER XXXX of XXXX linked to it. So this means Equifax this FRAUD creditor AND THIS IDENTITY THIEF has my fax I pay for {$19.00} per month for and I have had interceptions of my legal document transmissions. SO THIS IS GETTING REALLY LEGAL EQUIFAX. And XXXX  Please submit your response thru the cfpb portal for local state and federal law enforcement investigationscoming up real soon I hope.
Complaint sub-issue: Unable to open an account

On XX/XX/2021, I applied for an online checking account at PNC with a {$200.00} cash offer to open the checking account. After I filled out the information and submitted the application, I received a notice that my application for a checking account was denied. I received a notice that PNC would not open a checking account because of information from XXXX XXXXXX/XX/XXXX I attached the notice to this complaint. 

On XX/XX/2021, I contacted XXXX XXXX XXXX to find out what is going on. They wouldn't give me the information over the phone. They claimed that it would take several days to send me the report. I requested for the report. They emailed me a Deposit Score that I attached to this complaint. XXXX XXXX XX/XX/XXXX could not help me fix the problem. 

On XX/XX/2021, I called PNC Bank to find out if I could get someone to help me open the checking account or a least find out the reason my account was denied. However, everyone I talked to did not seem know what to do. They all sent me to different people and no one was able to help me. After talking to a few different people, I was sent to another department that was not able to help me and my call was ended. 

I do not understand why I was denied a checking account. I have not committed any fraudulent activity. I work for the U.S. Attorneys Office in the Department of Justice. I received an extensive background check for a security clearance. I would lose my job if I committed any kind of fraud. I have not over drafted any of my bank accounts. I have checking accounts with XXXX XX/XX/XXXX XXXX XXXX and XXXX XX/XX/XXXX. Applying for a checking account has never been an issue and this is the first time I was denied.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/XXXX I faxexd over my request for dispute with Equifax for the following accounts, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. As of today 's date, XX/XX/XXXX, I have yet to receive any correspondence from them in regard to the results of the investigation. It is well over the 30 days allotted for the investigation to be started, completed and results sent back to me. They didn't respond in 30 days!
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$10000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account.
Complaint sub-issue: Reporting company used your report improperly

This third party, off brand reporting company called Lexis Nexis consumer center is in violation of interfering with disputed/investigation of reporting. During the investigation process it was determined removal of sabotaged tampered with accounts due to bankruptcy debt buying and resold debt, this Lexis Nexis company unlawfully and unfairly has the removed accounts resubmitted onto the credit report after they were to be removed. This company has never ever reported to my credit report and will NOT start now. I have become a victim of the worst kind of credit reporting and the company will face charges along with all other agencies involved.
Complaint sub-issue: Personal information incorrect

I have recently just started attempting to obtain credit, when i go to get any form of credit ( credit card, loan, etc. ) The credit bureaus come back saying that my SSN was issued before my date of birth. They say it was issued in XXXX instead of XXXX when I was born. I went to the social security office here locally and talked to them and they confirmed that my social security number was indeed issued in XXXX not in XXXX so it is a credit bureau issue. I have attempted to contact the different credit bureaus about this issue but i have had a lot of trouble contacting them. It is very confusing and troubling trying to connect with a real person and their websites arent any better. I really need to get this credit figured out ASAP and its frustrating. The credit bureaus have my info incorrect and I am unable to contact them.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX desist has violated x 15 USC 1692 by continuing collection activity after a cease and 15 USC 1681 by failing to report complete and accurate information to credit  reporting bureaus.