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

I viewed a website for some hand tools ; I read the reviews on the ratings, complaints and reliability. I placed my order on XXXX and billed it to my Citibank card. The order went thru, in the order statement, it stated when the order is ready I will get an e-mail from the company when the order will be shipped. To this day I do not have ANY order, documentation, and the website is gone. 
XXXX : I did not receive any type of invoice for the order ; I emailed the company and stated to cancel the order, and NEVER received any response to date. I put in a dispute with CITIBANK. ( 1 #, 2 # copy, at the top of 2 # investigation complete, Resolved-Customer Responsible XX/XX/XXXX, XXXX do not have any information from the company ) called CITIBANK on XXXX and explained what happened. 
XXXX ( 3 # ) Document States they did not receive any proof of cancellation- BIG FAT LIE, also copy was included of XXXX delivery and proof of delivery statement. I went to XXXX and showed them the shipping info, they stated this is not standard delivery documentation and the weight of the Item that I ordered ( Tools ) would have weighted XXXX and I spoke to my neighbors to see if by chance they may have received the package, all stated no and nothing has ever been stolen and also stated to the CITIBANK rep . I called again to CITIBANK, explained again to the dispute dept, the same response was youre a great customer and we will get your money back and this did not happen. 
XXXX Same statement 4 # I called back again to the dispute dept, asked for the manager of the dispute department, on hold for 3 minutes, the rep stated that they spoke with the manager and they will refund me the {$99.00}. 
XXXX I called again to the dispute dept, demanded to speak with the manager of the dispute dept, again on hold 3-5 minutes, the rep stated they spoke with the manager, they will refund me the {$99.00}, e-mail, send a letter stating the fund, again I demanded to speak with the manager and the rep would not do that. 
XXXX To Date Nothing has been refunded, no email and no letter from CITIBANK. 
I feel that CITIBANK has failed to their job, very dishonest verbal statements, Im their customer, should be represented and instead they took the vendors words. CITIBANK stated they reached out to the vendor, CITIBANK should have provided me with all the information from the vendor and I DO NOT have any information from the vendor. I checked my credit rating and it has dropped XXXX points due to all of this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT
Complaint sub-issue: Was not notified of investigation status or results

Equifax VALIDATE THE INFORMATION REQUESTED Acct # XXXX you state verified that is a violation under the FCRA but validate this account, who you spoke to their name, Employ ID # contact information what was said in Detail both parties, any associates you may have talked to a copy of original contract with my signature, payment history date last payment, balance Equifax your name who did the investigation this account Employee ID # your contact information also you are reporting past due a violation
Complaint sub-issue: Information belongs to someone else

This is my numerous complain regarding my credit report information that is questionable. I would like to dispute certain accounts in my file which I believe is possibly an Identity theft. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance {$5100.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance {$3100.00}
Complaint sub-issue: Debt is not yours

City bank / XXXX. From XXXX XXXX has been charged without any paper trail. XXXX they charged XXXX in interest. From XXXX till this day there has been 23 charges added to the account without any reason or paper work. I have a print out from XXXX of all purchases that I have made and a complete copy of all the statements from citi bank along with a CPA accounting and reconciliation of the two. I have been charged for things I do not have or bought via the card then charge interest of 50 % on them all of this I shall send you.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter t o Credit Plus inquiring ab out an inquiry on my credit report that I have no knowledge of. I received a response that stated I authorized  XXXX   XXXX   XXXX   XXXX  to pull my credit. I have NEVER applied for a mortgage I have no knowledge of authorizing this and asked it be removed from my credit report.
Complaint sub-issue: Debt is not yours

I discovered an account listed on my credit report for {$2200.00} on XX/XX/XXXX. I proceeded to dispute the trade line with the collection agency via FDCPA dispute letter dated XX/XX/XXXX. They have not responded to my dispute letter. I have submitted dispute reports to both credit bureaus as well. I have notified the Attorney General of the State of Texas as well, as they operating illegally in regard to the Texas Debt Collection Act. They do not carry a bond and are not registered with the Secretary of State or Texas Comptroller. They do not have a registered agent in Texas for service of process.
Complaint sub-issue: Reporting company used your report improperly

Equifax leaked my personal information to unknown parties after being compromised in a cyber security hack
Complaint sub-issue: Reporting company used your report improperly

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXXXXXX XXXX and XXXXXXXX XXXX XXXXXXXX XXXX have 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: Problem with rewards from credit card

USBank froze my Business Edge credit card against my will. USBank did not allege that I violated any terms of service. I complied with all of the bank 's requests. My account had XXXX rewards points, which are equivalent in value to {$470.00}. My access to those funds has been cut off by USBank. These are rewards I earned in prior periods that I now can not redeem. I request a payment of {$470.00} to make me whole.
Complaint sub-issue: Information belongs to someone else

This is my second time reaching out to XXXX, Equifax, XXXX XXXX to request a investigation on the following account. XXXX I am not requesting XXXX to validate the information that is reporting. I was a Victim of Identity theft I have provide the police report and FTC regarding this account. After contacting the first Collection that was reporting the account XXXX XXXX XXXX XXXX this company sold the account to XXXX XXXX XXXX. After I requested the company to remove this account due the fraud. I am requesting XXXX to BLOCK the reporting of this account from being reported and resold by debt buyers.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax keeps reporting falsely that I have bankruptcies in my public records and the XXXX XXXX is their information source. I have attached the results of my Equifax dispute with this false claim as well as my XXXX XXXX report with the contrary.
Complaint sub-issue: Old information reappears or never goes away

I have reached out to Equifax on Several occasions concerning the XXXX account and the XXXX Mortgage account. Both accounts was deleted from my credit file and then recently reentered on my credit file with no warning or letter stating that it would be or why. The accounts has not been on there for a year and now they mysteriously reappear. I have send documents to Equifax regarding these accounts.
Complaint sub-issue: Used obscene, profane, or other abusive language

Per trying to resolve a debt the gentleman that I have spoken with on 2 occasions has been threatening, aggressive and never letting me resolve this debt, the interest etc, has sky rocketed and added more to the debt. 
He has hung up on me and refused to let me take care of this. 
This is unfair and I am not able to take care of debt and the amount keeps going up.
Complaint sub-issue: Information belongs to someone else

There was a XXXX card opened in XX/XX/XXXX in the amount of {$2000.00} which now carries a {$2500.00} balance that does not belong to me. 
Also, theres an account with XXXX that does not belong to me opened in XX/XX/XXXX in the amount of {$4000.00} that looks like an Installment loan. Not only is it not my account but its too old to be reporting to my bureau after 12 whole years already. Theres an account with US adept of Ed for {$66.00} thats fraudulent as well. None of these are my accounts.
Complaint sub-issue: Not disclosed as an attempt to collect

My place of employment received a call from a XXXX XXXX from XXXX XXXX, XXXX, telling my secretary that I was going to be served legal papers at work that day unless I called them back. I called, and XXXX XXXX XXXX never disclosed that it was a call from a debt collector at any point during the conversation. He proceeded to inform me that I had allegedly taken out a loan from Spot loan ( which is not licensed to loan in WA, where I live ) for {$400.00}, which is now somehow {$1100.00}. I told him I was not aware of this and demanded verification of the debt. He then told me I was just trying to stall and that I would be served papers that day at work and sued and my wages garnished if I did n't pay immediately, because " it 's really easy to get wage garnishment in Washington ''. A few days later, I got a " settlement offer '' letter in the mail. This letter claims that I authorized a payment to be taken from my bank account ( I never authorized anything, nor did I give them my baking information ) and the letter claims that if payment is n't made they 'll revoke their " offer ''. They did not send verification of the debt, nor did they provide their professional license number to collect in Washington State as I requested. They are using illegal collection tactics : Calling me at work after they 've been told not to, disclosing information to my employer, threatening to show up at my work to serve me immediately, threatening to garnish my wages without notice and calling me repeatedly to harass, intimidate and threaten me, and sending a letter saying they are taking money from my account which I never authorized. They continue to call after a cease and desist letter was sent to them, and after I requested a verification of the debt - by law, they can not contact me again until they have done so.
Complaint sub-issue: Frequent or repeated calls

My mortgage is due on the XXXX of each month with a 15 day grace period. If Seterus does not receive my payment on the XXXX, they begin calling repeatedly on the XXXX throughout the rest of the month.
Complaint sub-issue: Account status incorrect

These accounts are still showing delinquencies and collection on my credit reports and were paid in full settlements and the test of the amounts charged off. The accounts should be listed as closed, paid, and account balances XXXX with no derogatory comments left. Settlements are binding.
Complaint sub-issue: Card was charged for something you did not purchase with the card

Citibank is charging me {$590.00} for a service that was cancelled prior to the event.
Complaint sub-issue: Frequent or repeated calls

I closed my account with XXXX a long time ago. At the time, they stated that I had overpaid my bill and they sent me a {$35.00} debit card which went unused because I was unable to recall the pin # that came with the card. That in and of itself was ridiculous. Why did n't they just send me a check to cash. A few months later I start getting bills from them again that I owed {$37.00} even though previously they had stated that our business had concluded. On XXXX XXXX, they apparently referred the case to a collection agency called AFNI. Since then we have received phone calls from them every day!! I called AFNI and asked them today to stop calling after finding out that I was able to do so. Harassing frequent phone calls for {$37.00}? Ridiculous!!!
Complaint sub-issue: Was not notified of investigation status or results

It is my second letter about my credit report which is very serious. Please make sure it is not being ignored like my previous letter I sent on XXXX. I noticed various reports on my credit file which are very serious and due to inaccurate information about me on the credit file it is costing me a lot of money, wrong information causing me paying high interests or even getting refused if I want to finance anything. I believe my identity has been stolen and being used for fraud. 
It's really upsetting and I am a victim of mentally stress and financial stress. At least 60 days passed and they have not come back to me, if this letter continues being ignored. I will take further action and write to the XXXX head office to file a complaint. Moreover, if it is necessary I will take them to court to sue them.
Complaint sub-issue: Other problem getting your report or credit score

XXXX XXXX XXXX ran a LexisNexis Credit report on me in XXXX of 2020. This was done without my knowledge or consent the letter from XXXX XXXX XXXX states : XXXX XXXX XXXX at XXXX XXXX XXXX XXXX  XXXX NY Notices XXXX XXXX XXXX, XXXX, NC XXXX. It was a very strange letter. I can provide it if needed. 
The letter stated to contact XXXX XXXX or LexisNexis for a Free Copy of the credit report. Neither would give me a copy. 
The letter stated to contact the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I contacted the XXXX XXXX XXXX XXXX XXXX XXXX XXXX on both XXXX and Lexis Nexis. XXXX XXXX Financial Services Examiner 3 at the XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX ) XXXX } responded back approximately 6 months later stating they have no authority over credit related matters. XXXX XXXX said he closed my case ; he gave no advise.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX is constantly changing the balance they say I own on my credit report. The account shows charged off and is constantly updating higher balances on my credit report. I have sent in letters to XXXX XXXX XXXX XXXX and the credit bureaus asking for debt validation that this is in fact my account. I had an account with XXXX XXXX XXXX XXXX before and I paid it off as agreed and it is closed. There is this charge off account on my credit report that is constantly changing balances that don't belong to me. No one as sent me any correspondence of proof that they verified this debt is mines. Even the credit bureaus have not done their part in investigating this. The account I am speaking of ends in XXXX per my credit report. I demand this be removed from all three bureaus since I have been disputing this for years and no one looked into this for me.
Complaint sub-issue: Problem with product or service terms changing

My information is compromised on Equifax. I saw the news of a breach and entered my information. I received this response : " Based on the information provided, we believe that your personal information may have been impacted by this incident. 

Click the button below to continue your enrollment in TrustedID XXXX. '' I am unwilling to enroll in another service, " TrustedID XXXX '' from the same company that new the breach happened weeks ago, if not months and did n't tell the public. 
I am filing a complaint against Equifax, it 's lack of security and it 's delay in reporting to me that my information was compromised. I found out from reading the newspaper. This is a breach of trust.
Complaint sub-issue: Personal information incorrect

The credit bureau is reporting an address and phone number on my credit report that are not mine. I have never lived at " XXXX XXXX XXXX XXXX, XXXX, VA XXXX ''. Also, my phone number has never been XXXX. This information is inaccurate and needs to be removed from my credit report. I do not want someone who checks my credit in the future to associate me with this address or phone number that I have never used before.
Complaint sub-issue: Reporting company used your report improperly

I have contacted this credit bureau in regards to incorrect and improper reporting on my account. I initially submitted my complaint on XX/XX/2022 to XXXX, XXXX and Equifax. After I submitted my complain via the CFPB, I was asked to provide documentation to verify my identity in which I did. I sent these bureaus 3 different sets of copies to verify my identity via certified mail and the first two we're unsuccessfully received. My last set of verification documents was sent off last Monday yet all agencies have closed my complaint without removing this information that doesn't belong to me. 
The credit bureaus 's stated that my account has was properly investigated but how can that be when I've been a victim of identity theft and this information doesn't belong to me? I've submitted a Identity Theft Affidavit along with this complaint stating this information. 

This is grounds for removal under the following : 15 USC 1681c-2 -a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

All of these requirements have been met and still this inaccurate and incorrect information is being reported on my account.
Complaint sub-issue: Trouble with how payments are being handled

I received a summons from  Courtney and Camp   in  XX/XX/XXXX  regarding an  unpaid student loan from   XXXX   XXXX   University. I responded immediately to arrange an affordable payment plan. I explained to the representative that I would only be able to send what I could afford and it was never disputed. I was told that any payment  would be better than no payment at all. From  XX/XX/XXXX  to the current month of  XX/XX/XXXX , I ha ve been making  XXXX  dollar monthly payments by check. Once again, this has never been disputed by this particular representative or anyone working at the firm by phone call, mail, or any other form of communication. They have been accepting my payments and I have the bank statements to prove so. I made a phone call to the firm and spoke to someone by the name  XXXX  this past Monday about a writ of garnishment I received in the mail. It confused me because I have been making my payments on time monthly. My issue is that there was a paper inside stating for me to appear in court  on  XX/XX/XXXX ,  XX/XX/XXXX  and the postage on the mail is dated  XX/XX/XXXX .  XX/XX/XXXX  was on a Thursday. How would I have been able to make an appearance in court to plead my case when the papers were sent late by   the firm? It did n't arrive in my mailbox until the end of that week. It just makes me feel as if this was done purposely just so my wages could be garnished. When I tried to explain this to  XXXX , she was unbelievably rude and dismissive of the situation as if there was nothing else left for me to do except accept the garnishment. She made excuses by stating that I have n't spoken with anyone at the fi rm since  XX/XX/XXXX . If the onl y acceptable payment is by check and the payments are being made monthly, then why do I need to speak with anyone? How is it okay for this representative to tell me that  XXXX  dollar payments are not acceptable, yet they are still being withdrawn from my account? I do n't have anything to hide and my bank statements prove so because I 've been making my payments on time. No one ever stated to me that a certain amount had to be mail in to avoid garnishment. If what she says is true about them getting fired due to the amount in payments I 've been sending in, then someone needs to be fired immediately. This matter was poorly handled by   XXXX   and I want an explanation. I should not have to risk my wages being garnished and not having a place to stay because this firm failed to send my court papers on time. Not to mention, I have been making my monthly payments on time. I need answers from anyone that is willing to assist me with this problem.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX, account noXXXX is inaccurately reporting on my Equifax credit report.I have disputed this account with Equifax about 10 times.I would like EQUIFAX to obey the FCRA and delete this account from my file.I have attached the report from today 's report and circled the errors, that are " face of the record '' errors.There is no excuse for these errors other than careless reporting and EQUIFAX SHOULD BE HELD ACCOUNTABLE AND BE FINED BY THE CFPB. 
The account shows DOFD XX/XX/2014 when the payment history shows XX/XX/2014. 
The report shows " current status '' as pays 31-60 days when the account was paid and closed over 3.5 years ago.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Hello, Hope all is well. I was charged double by a movie theatre - XXXX XXXX - XX/XX/XXXX - for tickets I bought online. There is no reason I would pay 2 times for the same movie, on the same time, at the same night, for the same seat. I opened up a claim in about a week or so after seeing the charge. 

I opened a claim with my credit card company to get a refund as I did not authorize payment but it was subsequently closed for no reason. 


The claim id or reference number is : XXXX
Complaint sub-issue: Investigation took more than 30 days

Violation of 15 USC 1681b ( 2 ) Permissable Purpose and violation of 18 USC 8 Violation of HJR 192 and Public Law 73-10
Complaint sub-issue: Funds not handled or disbursed as instructed

My account was deactivated with wise and the monies that was in there ahas dissappeared
Complaint sub-issue: Reporting company used your report improperly

I never got any letter from any agency called LexisNexis on any of my report but now this explain why my rates on my issuance was rising and XXXX  was raising my policy higher. I never had any accidents the accidents was cause by people that was been XXXX and they out this on my report that I had any knowledge of by the report shows that i was not at fault on the accident someone that ran in to me on purpose calling me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX was aware of the accident but I never knew that this was added to me report at all and I didn't or know the consumer agency at all. I never receive any notices at all but now this explains why my rate was going up with XXXX instance and why they cancelled my policy out. The date they had listed was XX/XX/2019 and XXXX knows I was not at fault at all on this one at all. i would like to know who sold my information to this company without my knowledge.