Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

Citi Reported on my credit report that I was late on this account. I was never late on this account. They reported that I was late on XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 60 days late ), and XX/XX/XXXX ( 30 days late ). Even more surprising was the fact on how they reported my information, which shows that they are not very accurate with their records and their reporting. 

What was even more confusing and especially very damaging to my credit worthiness is the fact ( proof will also be submitted ) that they reported me 60 days late on XX/XX/XXXX. This makes not logical sense. How can I be 60 days late in XX/XX/XXXX when I was a not even 30 days late the previous month???? 

Citi has proven an inability to report accurate information clearly by the aforementioned example and is hurting my credit worthiness. I dispute all late pays being reported by Citi. 

I will be uploading my XXXX  report clearly showing these negative inaccuracies. I believe that CITI is violating the FCRA and FACTA. 

I called XXXX  XX/XX/XXXX to dispute this information, so I know that Citi got my dispute and XXXX provided a report showing that the information came back as verified ( which is clearly inaccurate )
Complaint sub-issue: Problem with personal statement of dispute

On XX/XX/2022 the first letter was sent to the 3 bureaus asking for an investigation on the following account " XXXX XXXX '' Account # XXXX in the amount of {$2700.00}. The company that is reporting me is XXXX XXXX XXXX XXXX '' then I sent letter to the collection company asking to please verify this account. No respond was received within the 45 days period after that. Then, on XX/XX/XXXX changes were made to my credit report showing as the account was closed. On the XX/XX/XXXX it was back on my credit report as active. There was No written notice from any of the Bureaus informing me of the result of the investigation. All my communication with them was sent through certified mail and I do have proof that the date that was delivered. I'm requesting assistances in the verification of the removal of the disputed data from my credit report.
Complaint sub-issue: Investigation took too long

I have formally disputed an account Citibank N.A. says I owe. The formal Dispute was never communicated or recorded as disputed on my credit report within 30 days as directed by the FCRA. I sent formal letter of dispute in XX/XX/2016. Citibank said account verified and sent an account statement. Credit report in XX/XX/XXXX still showed no dispute had been communicated to all XXXX CRAs. I informed them that the account was in error. They continued to report negatively to Credit Reporting agencies. I have since received a letter demanding payment from another company called XXXX A collection company. Even though the account has been disputed multiple times, and they have been told this account is not mine, they continued to report negatively and sold the debt as a factual account to XXXX. I have never had a Citi Costco Visa, nor have I ever applied for one. The only card I processed associated with Costco was an XXXX which was closed and paid as agreed.
Complaint sub-issue: Attempted to collect wrong amount

This company does not have a contract with me. This is not a valid debt. NO CONTRACT. This is a violation of HIPAA as well as the Fair Credit Reporting Act.     After viewing a copy of my credit report, I noticed a collection account placed on my credit report from  Enhanced Recovery Corp.      Additionally, I am allowed under the Health Insurance Portability and Accountability Act (  HIPAA ) t o protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt an d HIPAA author ization.     Please provide breakdown of fees including any collection costs and medical charges.   Provide a copy of my signature with the provider of service to release my medical information to you.   Cease any credit bureau reporting until the debt has been validated by me.       XXXX   XXXX   XXXX   XXXX   needs to send this information to me for review, accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.     Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.     Dates :  XX/XX/2016    amount {$720.00}
Complaint sub-issue: Reporting company used your report improperly

Equfax ' s employment verification service at  XXXX  claims they protect my private information, but uses my social security number as identification for a verifier to verify my employment. Not only is this not protecting my private information, but it is an invasion of my privacy and exposes me to fraud and identity theft.
Complaint sub-issue: Problem with personal statement of dispute

Conns keep updating my personal information on credit to all credit 3 credit companies. I had insurance on the products that I purchased but the merchandise was destroyed during Harvey ( hurricane ) Conns was notified by me immediately after. They changed it as damage due to natural disaster and put it back on my credit.
Complaint sub-issue: Problem with fees charged

XX/XX/2017 I purchased XX/XX/XXXX XXXX XXXX from XXXX XXXX through ally Bank with a XXXX   down payment, but instead I was sold a Lemon for XXXX for a XXXX  mile vehicle with all kind of problems from the flood lights dont come on, tires, brakes wind sheild wipers, car smells like oil is leaking in which it was, tail pipe rusted been under water before, smells molded and smelly when you turn Heat or Air on and also paid XXXX for over a year and half of the payment was interest and I had been spending on this vehicle since I had it they told me when I took it for maintenance they found other issues and I also told the manager of the dealership about these problems and also contacted the XXXX and they still didnt correct all of these problems I am mentioning so I got sick back in XXXX  and had to Bankrup, but the Co-debtor still paid the note and the car was taken to the shop again and they said it was other issues again with the car and we were sold a Lemon. so on today a Man from a Repo company came out to pick the car up in which I have not been driving, because of danger issues and recalls and the man was very nice and rung the doorbell in which we been home everyday due to my major medical issues and he told me that Alley Bank told him we were violent and he said to us we were nothing like they described and we have been here everyday, I don't dodge people and he saw that we were voluntarily giving him the keys for something not able to drive anyway, but I feel we were sold a lemon with half of the car note was interest that the making off of us, for a Lemon that they knew they had issues with for XXXX. Also contacted the FTC.
Complaint sub-issue: Account status incorrect

I am writing this to try and resolve an issue that is still appearing on my credit reports. I noticed a collection last year on my credit reports and contacted XXXX XXXX XXXX to reach a resolution. Idecided to go ahead and pay the collection with the stipulation that XXXX XXXX XXXX would remove the collection FULLY from my credit reports. I was told that it would take 45-60 days for the collection to be FULLY removed from my credit reports. Flash forward to today and the collection is still reporting. 
I recentlydisputed it through the credit bureau dispute process and XXXX XXXX deleted it however XXXX and Equifax have not.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax did not thoroughly investigate my dispute even after I provide them with incontrovertible evidence that the.fact and Information Im on my credit report was fast and misrepresented
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}. 
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 ) -- AUTO LOAN OR LEASE 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2014 with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Threatened or suggested your credit would be damaged

This complaint is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act., 15 USC 1692G ( Section 809 ) that your claim is disputed, and validation is requested.

I must demand proof of this debt, specifically the alleged contract or any other instrument bearing my signature, as well as proof of your authority in this matter. Absent of such proof, you must correct any erroneous reports of this past debt as mine.

I ask you to provide the following information 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( F ) in this alleged matter?

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state?

5. Please evidence proof of the alleged debt, specifically the alleged contract or other instruments bearing my signature?

6. Please provide a complete account history, including any charges added to this collection agency or any account?

7. List of all names and contact information of all employees that was spoke to regarding this account or collection?

You have thirty ( 30 ) days from the receipt of this notice to respond. Your failure to response, on point in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume you have placed this on my credit report in error and that this matter is permanently closed. Provide the proof or correct the record and remove this invalid debt from all sources to which you have reported it.

For the purpose of 15 USC 1692 et seq, this notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be deemed necessary. This is a request for information only, and is not a statement, election or waiver of status XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

I have filled a dispute concerning the incorrect items on my credit file. It has been a little short of 30 days and I have not received any updates regarding my investigation.
Complaint sub-issue: Information belongs to someone else

I was informed by my banker ( for 20 years ) that I was not approved for a home equity loan because of derogatory items on my credit. After I pulled my credit report for myself, I noticed unknown, suspicious accounts. Please remove these fraudulent accounts. XXXX XXXX {$190000.00} XXXX XXXX XXXX XXXX {$28000.00} XXXX XXXX XXXX  XXXX {$21000.00} XXXX XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX XXXX  XXXX {$170.00} XXXX XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX {$1700.00} Please remove these fraudulent inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

I am filing this complaint because Credit Bureaus ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
Complaint sub-issue: Account status incorrect

Since XX/XX/2013 I have had constantly fight with XXXX, Equifax , & XXXXn to take inaccuracies of my credit report and at the same time I also been notified by all three companies. My information had been breached. They neglect to report properly so my scores stay low, when they report inaccurate information I dont get a descent rate on auto insurance. This is the impact of their negative practices
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$3400.00} ; XXXXXXXX XXXX  XXXX XXXX. Balance : {$6500.00} ; XXXX XXXX XXXX .... Balance : {$3100.00} ; XXXX XXXXXXXX .... Balance : {$960.00} ; CALIFORNIA XXXX XXXX XXXX Balance : {$6000.00} ; XXXX XXXX XXXX  XXXX Balance XXXX {$2800.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; CALIFORNIA XXXX XXXX XXXX/XXXX/202 ; XXXX XXXX XX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Complaint sub-issue: Personal information incorrect

I have submitted 3 request to the 3 bureaus to correct my information personal information. for there are accounts under names that I don't know and it doesn't belong to me. for example there is XXXX bill under the name of XXXX who is XXXX? it is not me, this account has been on my file for while along with other negative reporting that don't belong to me. I have submitted two forms of government ID passport and driver license to show my correct name spelling and address and as of yet they have not removed these addresses and names from my file and they have files under these false names. Now how do we say they are accurate in their reporting when they are slandering me especially that I have filed a fraud alert for I was robbed more than once and my information in the hospital was stolen. so when contacting the 3 bureaus it is their responsibility to assure they are reporting accurate information especially when it is impacting me negatively. I request that my personal information to be corrected to show only my current address and my name as spelled on my driver license and passport as I submitted them. and on the 3rd request as I have submitted IDS some of them send me delayed letter to play and delay with the time instead of doing their job asking me for a lease. When I got my license I already submitted that proof so my government ID is enough to correct the information especially when YOu have a passport. I don't understand what pleasure they get from ruining people 's life? is it to keep them slaves? is this the function of the bureaus? do you think I will not call upon the fire of God to wipe you all out? Read this carefully. I pledged a prayer that anyone who is partaking in the crime against me for no weapon formed against me shall prosper, as I ask for every second you delayed and worked hard to burden my with slander and negative remarks the fire of God lite your body on XXXX that every breath you take you remember the people you hurt. while you are in the hospital while you are coughing blood may every one who you slander and burden their energy and karma comes back at you full speed to take over your lives, finances children and grand childern. I put a spell on you for not cooperating and slandering me. and if you go ahead and start doing your job and start removing these negative remark from my file then I ask the fire of God brings blessing upon you. Yeah you can make your own destiny! but you can't stop me from cursing you everyday and testify to the highest power and bring you in the highest court of courts. You see the queen of XXXX died! no one survive this and you will face the creator! and I am a witness and i will never cease until you fix my recoreds.
Complaint sub-issue: Account status incorrect

My bill was due on XX/XX/XXXX. I paid my bill on XX/XX/XXXX. I understand I did pay my bill late, however, since there are only 28 days in XXXX I was not 30+ days late by paying on XX/XX/XXXX. This did not stop XXXX XXXX from tagging my credit bureau with a 30 day late derogatory mark though. When I called to try to resolve the issue with them the woman was very rude to me and told me there was nothing they could do. They obviously do not care about people as they claim. This has dropped my score XXXX points from a XXXX to a XXXX. This is the only derogatory mark on my entire credit history and it won't go away for 7 years! I now can't finance a XXXX that I need to have. They also tag on a ton of extra " fees '' to your payment. My XXXX bill was XXXX higher just due to these unknown fees.
Complaint sub-issue: Their investigation did not fix an error on your report

I applied for a credit card with XXXX XXXX on XXXX XXXX and was denied because XXXX XXXX reported that I was a delinquent consumer from Discover credit card. I was in dispute of {$320.00} with Discover and it was paid off by XXXX XXXXXXXX XXXX sending me a check. Discover reported to XXXX XXXX I was in arrears for several months, When in fact I was is dispute with Discover. 

Now my credit rating has dropped to 630 and I can't get credit because Discover reported my disputed incorrectly to XXXX XXXX. Matter of fact it was reported as non payment not even a dispute. 

I called Discover and was refused help on XX/XX/2022. I was hung up on 3 times. 

So now I am filing this complaint.
Complaint sub-issue: Card was charged for something you did not purchase with the card

My complaint involves a charge for {$39.00} posted to my DiscoverCard account by XXXX on XX/XX/XXXX. When I noticed it on my monthly statement for XX/XX/XXXX - XXXX XXXX   XXXX, I expeditiously complained to Discover, which rescinded the charge and asked the merchant for an explanation. The merchant claimed it what for a yearly membership in a free-shipping club -- a service ( which I told Discover ) I did not authorize and never used. And a service that I would not want or willingly agree to. On XX/XX/XXXX Discover reversed the charge as a " temporary credit pending investigation. '' On XX/XX/XXXX Discover  put back the {$39.00} charge, and posted it as a " reversal of temporary credit. '' After I complained again, Discover reversed the charge on XX/XX/XXXX as " an adjustment to your account. '' But on XX/XX/XXXX Discover put the {$39.00} change back again, as a " repost of disputed transaction. '' I again disputed the charge but Discover claimed the charge was " valid '' and refused to provide a specific justification or explanation for that finding : no transcript, no documents. 

The credit card company believes the merchant but provides no evidence or explanation about why it believes the merchant or otherwise finds the charge " valid. '' The fact of the matter is, I did not purchase or authorize such a membership -- it is something I would not do. XXXX sells running shoes ; I am not a runner, and am not a regular online purchaser of shoes ( though I have ordered shoes from XXXX XXXX XXXX ). I apparently did order shoes once from XXXX, for my daughter for her birthday or maybe XXXX, but that was over a year ago, and I did not join a free-shipping club. Discover did not provide any evidence that I did join such a club -- an event that would have been fraudulent on XXXX 's part. Discover and/or the merchant claims that I joined a free-shipping club with an automatic renewal. As I said, I would not have done this -- I never choose automatic renewals on anything : not on magazines, not on charitable contributions, not on memberships in professional societies. 

My complaint is against Discover, with which I do about $ XXXX business every month, and which I expect to protect me against mistaken or fraudulent charges. Discover makes rulings -- perhaps because XXXX gives them much more business than I do -- but does not provide me with a fair opportunity to object to a charge that I never consciously authorized.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I had purchased two controllers from XXXX on XX/XX/2020. The controllers were back ordered from XXXX and shipped XX/XX/2020. I never received the items and the tracking for both items says they were stuck in California. I had emailed and spoke with XXXX since XX/XX/2020, to this date I have not received the controllers. They attempted to send one replacement ( recall I ordered two ) in late XXXX, but the item never was received by me. I have checked with neighbors and no one has received it. I asked XXXX to refund me and they told me they could not because it was past 30 days. The problem is I could not cancel because the order was to be shipped on XX/XX/2020. I contacted XXXX around late XXXX and I was told by XXXX, that they would handle this matter urgently ; they did not. The slower they worked, the longer they dragged my case and made me miss my refund time ( I had decided to give them the benefit of the doubt ). What makes my case unique is the fact, the items are showing on the given tracking numbers to be stuck in California and they refuse to refund me. So it's now XX/XX/2020, and I had sent another escalation ticket to XXXX today. My problem is with Citicard who had proof that the merchant did not deliver the items and refuse to credit me. They gave the reason that the " charge was made prior to your cancellation ''. All evidence of non-receipt communications, including emails, was given to Citi, and evidence appeared to be ignored. I would like my card refunded and will provide evidence to you if needed.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed a 30 day late on XX/XX/2016 and XX/XX/2016. i disputed this error with XXXX, XXXX , equifax and XXXX. these companies have not corrected the error.
Complaint sub-issue: Investigation took more than 30 days

I have sent multiple letters of dispute over the course of 5 months dated XX/XX/21 and XX/XX/21. I have yet to receive an investigation, response, or any type of communication back.