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

CITI CARD IS REFUSING TO HELP WITH A VERY WELL DOCUMENTED OVER-BILLING for {$250.00} on a 2-night Hotel stay - for XX/XX/XXXX-XX/XX/XXXX. The proof of prepayment to the 3rd part hotel site- XXXX ( similar to XXXX ) is attached. The XXXX hotel has also received 3 disputes letter from us since XX/XX/XXXX about the surprise {$250.00} charge after our stay and is also dishonest. 

XX/XX/XXXX Dear Citi Card Re : Customer Disputes, There is a problem with our charge for {$250.00} on our XXXX that ends in XXXX For the XXXX XXXX XXXX XXXX, VA. 

The hotel reservation was PRE-PAID on XX/XX/XXXX on a 3rd party site called XXXX, for {$250.00} on A DIFFERENT XXXX CARD THAT ENDS in XXXX. ( PROOF w/ a copy of our XXXX XXXX XXXX statement for the payment for the hotel to XXXX is attached. Upon Check in the hotel took our XXXX that ends in XXXX. 
For incidentals only, including the pet fee of {$30.00} for our XXXX XXXX XXXX XXXX. 

About a week later, after noticing a fraudulent charge for {$250.00} on my XXXX XXXX that ends in XXXX which is a second charge in addition to the {$32.00} incidentals charge, I wrote to the Hotel XXXX XXXX XXXX on XX/XX/XXXX and notified them of their mistake with the charge on our XXXX for {$250.00} because we had pre-paid, and we never signed an agreement or obligated ourselves to a double payment for our 2-night stay. They agreed when we checked in that we had PRE-PAID. 
- They never responded. 
- On XX/XX/XXXX I sent a second letter regarding the dispute for the fraudulent charge for {$250.00} after our stay and demanded a refund. This time I sent a letter to the XXXX XXXX XXXX. 
- Today, XX/XX/XXXX I received a letter, only 1 month later, making the false claim that they charged us the {$250.00} for the pet fee which were already paid. They falsely claim that our dog had fleas, which he does not. 
- They are lying and deceitful. I attached proof that our dog takes a flea and tick preventative monthly. 
Dear XXXX, please credit our account in full for the fraudulent charge for {$250.00} form the XXXX XXXX XXXX immediately as they are deceitful. 
To XXXX XXXX XXXX, ccd in this letter, our report will also be for the Better Business Bureau of XXXX, XXXX and all of the social media sites to educate people on how crocked your hotel is. 
Unless you can come clean by next Wednesday, XX/XX/XXXX when we file complaints against you to harm others that your hotel is crooked. 

CITI CARD : Please update me in writing and as soon as possible on this dispute for {$250.00} immediately. ( TO BE CLEAR THAT {$250.00} for XXXX XXXX charged by them fraudulently as a second payment on a 2- night stay- on our CITI XXXX that ends is XXXX must be refunded ). 

Thanks and Regards, - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX, Va XXXX PROOF OF DOUBLE PAYMENT IS ATTACHED.
Complaint sub-issue: Information belongs to someone else

I Have sent dispute letters letting Equifax Know these are not my inquires on my account on XX/XX/2021 2021
Complaint sub-issue: Investigation took more than 30 days

XXXX and XXXX are incorrectly reporting that i missed a payment in XXXX on my XXXX XXXX account XXXX. That not possible, my due date on the XXXX of XXXX and I submitted 2 payments according to their ( XXXX XXXX ) billing statement which is provided. 

Equifax is incorrectly reporting 2 fraudulent accounts ( XXXX, Opened XX/XX/XXXX Acct : XXXX XXXX XXXX, Opened XX/XX/XXXX Acct : XXXX ). I notified Equifax multiple times and was told the accounts were deleted on multiple occasions. 

These infraction are gravely harming me financially and is stopping me from advancing in life.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX Account # 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
Complaint sub-issue: Account information incorrect

My complaint is concerning Equifax and their credit score reporting methods. 

I submitted credit/debt collection errors through their website and, without addressing any of the issues, they lowered my credit score XXXX points. This represents a XXXX point difference between Equifax and other credit reporting agencies. 

There is no reason for Equifax to drop my credit score XXXX points. 

I want my credit score returned to normal and all of my submitted corrections to their inaccurate credit reporting repaired.
Complaint sub-issue: Information belongs to someone else

Discover card pull my credit file without my knowledge nor my approval. I spoke to them once I received an alert through my XXXX account that an inquiry was on my file. They ensured me that the alert will be removed and that they will contact the proper credit agency to assist in the removal. As of now the inquiry is still showing on my file. I have a fraud alert on my credit to connect me if anyone initiate an inquiry for credit. No one called before pulling my credit.
Complaint sub-issue: Was not notified of investigation status or results

I have always paid my purchases in full to XXXX ; s. they messed up and did not apply my payments correctly and when i discovered the inaccuracy i called them and was suppose to be fixed. however the issue was not solved and late payment fee and finance charge was added again, ,now we are 90 days into this matter with all late payments and fees. 
the representative promised to correct their error and remove finance charges. i closed the account the next day but received another statement showing late fees and finance charges again. now we are 4 months the mess and finally the account was closed and promised was made to me that all has been taking of and no further action is required. 
despite my repeated efforts this matter is still on my report and hurting my credit and i have been denied credit because of their errors in reporting.
Complaint sub-issue: Information belongs to someone else

The creditor is XXXX and the collection agency is Afni, Inc and they are reporting to my credit agencies affecting my credit. This is not my  account, I have sent validation letters and several dispute letters, yet this is still appearing and affecting my credit.
Complaint sub-issue: Attempted to collect wrong amount

when I called to pay the amount of XXXX due today XXXX18 as documented they refuse and said the payment was now XXXX dollars more. they refused to take my payment so I contacted to the hospital where the bill was from XXXX who did take the original amount of XXXX paid in full to them not the collection agency who refused to take the amount that the sent out to a letter to me on. I do have documentation o this and recorded phone calls to back my account.
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

There were some international unauthorized transactions to some illegal only gambling site out of XXXX or XXXX. I filed a dispute on XXXX with US Bank Relia Card . 

I was told provisional credits card be added once theyve received my dispute form. 

Ive sent it several times, however it finally showed in their system today. 

I was initially happy thinking finally those credits could be added but thats not the case. 

Today I was told that provisional credits could take up to 45 days. 

Thats not what I was initially told. In fact the EFT Act indicates that they need to be applied after 10 days if the institution is still investigating.
Complaint sub-issue: Threatened or suggested your credit would be damaged

Contacted Collections Company on XX/XX/20 after receiving letter dated XX/XX/20 that showed balance had decreased due to payments on both medical accounts. Was updated that account was being paid so no issues Next day on XX/XX/20 this company reported both below accounts to XXXX as being delinquent. 

XXXX XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX {$50.00} This damaged my credit score and I want these removed as company agreed to not report as long as payments continued.
Complaint sub-issue: Problem accessing account

Unable to link my funding source on XXXX, says PNC restricted the way I can link to my banking account.
Complaint sub-issue: Old information reappears or never goes away

I have an account showing on my credit From XXXX XXXX XXXX which is showing as having a last payment on XX/XX/XXXX. This account was paid off in XXXX and there has been no activity on it since. This makes it past the statute of limitations, as that was over 7 years ago. This account should no longer be showing on my account at all, and should especially not be showing it with the wrong dates.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Here are a list of those accounts that have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, MA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX SD XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ) XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Information belongs to someone else

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please sep up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXXXXXX
Complaint sub-issue: Information belongs to someone else

The below accounts are reporting to all three credit bureaus and they do not belong to be, I have listed them below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fare credit reporting act XXXX account # XXXX, have violated my rights. 
15 usc 1681 section 602 states I have the right to privacy.

15 usc 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666B : A creditor may not treat a payment on a credit card under a open end consumer credit plan as late for purpose.
Complaint sub-issue: Debt was result of identity theft

I am a XXXX mother who recently tried to buy house. I was denied for my house because of my credit. That inspired you check my credit report, and to my surprise there were several accounts that were Unauthorized by me.
Complaint sub-issue: Account status incorrect

Discover Loan accounts were removed from credit file then erroneously out back on.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, 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

Lexis Nexis is reporting inaccurate information that as a result has not been updated as it needs to be and is affecting my XXXX and XXXX Credit Reports as it pertains to the following information and fraudulently accounts : 1. XXXX XXXX XXXX {$22000.00} 2. XXXX XXXX XXXX XXXX ( XXXX  ) {$5000.00} 3. XXXX XXXX XXXX XXXX ( XXXX ) {$86.00} 4. XXXX XXXX XXXX XXXX ( XXXX ) {$1500.00} 5. XXXX XXXX XXXX XXXX {$5000.00} 6. XXXX XXXX XXXX XXXX {$5.00}, XXXX 7. XXXX XXXX XXXX {$2600.00} 8. XXXX XXXX XXXX, XXXX {$730.00} 9. XXXX XXXX {$3200.00} 10. XXXX XXXX {$1500.00} 11. XXXX XXXX {$1300.00} 12. XXXX XXXX   {$330.00} I have letters for majority of the items listed that state this were not my accounts and that they were opened fraudulently in my name without my consent and knowledge in which to do so.
Complaint sub-issue: Investigation took more than 30 days

On XXXX I sent supporting documentation to all three credit bureaus in regards to inaccurate/wrong and or fraudulent information that has been reporting on my credit file for several months. I never filed or been any any Chapter XXXX Bankruptcy period. My overall credit standing is good and this inaccurate/wrong and or fraudulent information is having a negative impact on my current rating. Here it is XXXX beyond 30 days and I haven't heard anything from XXXX, Equifax, or XXXX in regards to my initial dispute. Both the County Court house and XXXX XXXX neither have any records of a filed bankruptcy on my behalf. I this erroneous reporting absolutely unacceptable and is a clear violation of my rights as a consumer.
Complaint sub-issue: Information belongs to someone else

( XXXX true Identity theft ) I am a victim of identity theft Equifax confirmation # XXXX XXXX XXXX XXXX XXXX # XXXX {$180.00} LIMIT {$400.00} XXXX XXXX  file number XXXX XXXX XXXX XXXX XXXX # XXXX {$180.00} LIMIT {$400.00} XXXX XXXX  Report Number : XXXX XXXX XXXX XXXX XXXX # XXXX {$180.00} XXXX {$400.00} XXXX My personal information was exposed in a data breach. i started receiving information not for me, i checked online & found out about the data breach i looked up my credit report i found inaccurate, false and fraudulent information that don't belong to me i contacted my local police made a report they also told me to make a report with FTC because of jurisdictions ive listed as many fraudulent accounts as i could thank you for your help THESE ADDRESSES DON'T BELONG TO ME XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a certified letter to Equifax to remove a Inquiry I did not authorize ... 
On XX/XX/XXXX. 2019 Equifax did give a response that the inquiry was factual without providing any documentation to display I authorize this unknown inquiry from XXXX XXXX. 

I then contacted XXXX XXXX  as suggested from Equifax to contact the furnisher directly and spoke to a representative that could not provide details to how the inquiry was initiated, nor did the representative have any factually sound documentation with my signature to show I personally requested services of any kind.
Complaint sub-issue: Account status incorrect

I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Complaint sub-issue: Reporting company used your report improperly

XXXX IS NOT A DUPLICATE ****** Defamation of character.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have reached out to Equifax numberous times for this issues someone stole my information and identity and tried to open up numerous accounts in my name this will be the second time that I have been through this process for fraudulent items Someone has been trying to fraudulently open up accounts in my names that I didnt have any knowledge of and dont consent to here are the names of the companies and the inquiries date please do whats right and remove these items Equifax : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Capital XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX auto XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXy XXXX XX/XX/XXXX The auto finders in XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXk XXXX XX/XX/XXXX XX/XX/XXXX
Complaint sub-issue: Other problem

Dear Sir or Madam, I have been trying to obtain reimbursement for my child care expenses from Optum Financial for the past two and half months. My attempts at appealing their decision to approve my claims, yet withhold payment, has been unsuccessful. 

My story begins on XX/XX/22 when I submitted all my child care expenses to XXXX ( Optum Financial ). I went to my child care provider 's website to generate the necessary documentation of expenses. Right at School, the provider of before and after school care for our elementary, has been the company used by the school since my kids were in kindergarten. So, I have submitted expenses and documentations for my child care spending account since kindergarten. The process is an annual routine with the only disruption being remote learning cause by the pandemic. However, this time reimbursement was delayed. I contacted the Optum via their chat and was told the documentation submitted did not have a description of service provided. The representative recommended that I fill out a claim form to address the deficiency. I did look at the suggested form and was perplexed by the form as it would necessitate the resubmission of all my claims. Then, I spoke to an Optum representative in hope of resolve the issue without having to submit the claim form. Now, I was told that I could provide a website with descriptions of services provided by Right at School. This was a much more reasonable solution to the deficiency. I submitted the website documentation on XX/XX/22. All my claims were subsequently changed to approved, processing reimbursement. Unfortunately, I have not been reimbursed for my legitimate child care expenses. Now, Optum is saying I submitted the documentation after the XX/XX/22 deadline. 

I have written XXXX to appeal their withholding of money I have designated for my legitimate child care expenses. The company has yet to respond to my appeal. I have been engaged and will continue my efforts to resolve this matter. My hope is that the CFPB can help me and other by being an advocate against corporate excesses. I will attach the list of child care expenses claims and my appeal letter to XXXX. 

Respectfully, XXXX XXXX
Complaint sub-issue: Fraudulent loan

Upon reviewing my contract there are many breaches to the contract. I was coercion into the contract, influenced by dealer with material misrepresentation. Their are also many codes violated ( United States codes ) U S C 15 1602 ( k ) - U S C 15 1662 -U S C 15 1605 - U S C 15 1609 ( A ) CODE OF FEDERAL REGULATIONS ( C F R ) 12 226.15
Complaint sub-issue: Information belongs to someone else

I'm requesting a 1099c for the following accounts inwhich should not even be reporting on my credit file.

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX   3. XXXX XXXX XXXX XXXX 4. XXXX XXXX
Complaint sub-issue: Old information reappears or never goes away

In the past 3 years I have contacted this company at least 3 times to have this late payment information removed from my credit report. I was told that they couldn't do anything. Here I am. I have had an excellent credit score until I accidentally missed one payment on this credit card. I was in the midst of a move and the mail did not get to me in time and having so much to do and on my mind, the charge was forgotten. When notified, I immediately paid the balance which I don't clearly remember but I think it was approximately {$100.00} and was not given a chance to continue using the card. I opened the account in XX/XX/XXXX and paid on time EVERY time, but on XX/XX/XXXX I made my last payment and the company closed my account. It was 120 days late. Not fair! My credit score went down significantly due to this mistake and I understand it will stay down for at least 4 more years. Please help! I would really appreciate it if you could clear this up and restore my good credit again. Thanks in advance!!
Complaint sub-issue: Their investigation did not fix an error on your report

I have made several complaints to Equifax regarding these accounts, and I'mbeyond tired of going back and forth about MY consumer report and the unfair treatment I am receiving. The fraud is real and I will take legal action if my complaints are taken seriously. Equifax, you have 10 days to make this right-DELETE the FRAUDULENT accounts on my consumer report, I never gave you written permission to report these alleged account.
Complaint sub-issue: Information belongs to someone else

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report I saw an outrageous amount of accounts under my name are not mine. Please delete these items from my report.