Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Card was charged for something you did not purchase with the card

In XX/XX/XXXX I had just returned home to XXXX from XXXX ( I served over there for a year ), and was newly separated from my husband. He had moved to XXXX XXXX  just prior to my return. Around that same time, I called Citi Card multiple time advising them that my husband was estranged and may try to make fraudulent charges on my card ; at which point they told me they put a freeze on my card. My card was paid off at that time and I had a XXXX balance. In XX/XX/XXXX I filed for a divorce. I then moved to XXXX due to a military commitment. 

Around XX/XX/XXXX I received a few notices that my credit score had changed. Upon checking my credit score I discovered it had been lowered quite significantly. After further research I discovered there were {$1500.00} worth of XXXX charges on my CITI card between the months of XX/XX/XXXX-XX/XX/XXXX. I once again called CITI Card multiple times but they denied any responsibility. Despite the fact I was serving in the XXXX in XXXX at the time the charges were made ( XXXX doesn't exist in XXXX, XXXX ) CITI refused to assist in the matter. I had proof my husband was estranged, that I had filed for divorce well before the charges were made, and that I had called CITI in the fall advising them of my situation, however, they denied any negligence on their part and insisted I pay the balance. They admit I called multiple times in the fall of XX/XX/XXXX, and they also admit there was speculation of fraudulent activity, but they won't take responsibility for their representative 's negligence by not putting a freeze on the card after I was specifically told there would be.
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 confidentially under 15 USC 1681. 

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 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 XXXXXXXX All accounts above has violated my rights. 



15 U.S.C 1681 section 602. A state, 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 9 ( a ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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- ( 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: Reporting company used your report improperly

Dates : During months of Mid-XX/XX/XXXX - XX/XX/XXXX Company : Equifax Inc.
Summary : " Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency ... Some U.K. and Canadian residents were also affected. Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XX/XX/XXXX through XX/XX/XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers. The company set up a website, www.equifaxsecurity2017.com, that consumers can use to determine whether their information was compromised. Its also offering free credit-file monitoring and identify-theft protection. '' Due to this incident, I believe that my personal information such as SSN, Addresses, Credit Card numbers may have been published on the internet. This places my identity at high risk of theft and makes me a prime target. I would not be placed in such situation if it was not for the lack of security at Equifax Inc.
Complaint sub-issue: Information belongs to someone else

I have disputed these accounts, filed a police report, and submitted a FTC complaint. Upon reviewing my credit report in XX/XX/XXXX, I noticed 4 separate fraudulent accounts ranging from credits cards to medical bills. I have been successful in removing some items but I continue to see several items showing even after my repair attempts. Account in question : Creditor Date Opened Balance XXXX XXXX XX/XX/XXXX {$970.00} XXXX XXXX XX/XX/XXXX {$990.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XX/XX/XXXX {$1000.00} Clearly, these accounts are all over the place and nowhere in my real credit history do we have examples of this type of disregard for credit worthiness on my credit report. I have not applied for credit with any of these companies. Nor have I allow anyone to use my information in acquiring credit these companies. I have been a victim of identity theft, and I did not make any of these charges or create these accounts. I am requesting that these items be, removed from my credit report. I have acquired a police report and submitted it with this complaint. Including a copy of my ID, and social security card. As required in F.C.R.A Section 605B.
Complaint sub-issue: Report improperly shared by CRC

As per attached letter, Citi admitted that it obtained access to my credit report without my permission. It also stated that it would remove the inquiries back in XXXX. After speaking with the credit agencies, only Citi can remove these inquiries. Please remove them asap. I will hire a lawyer to sue Citi for accessing my credit report. This is illegal.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report I have requested to see the original application. To this day, which is well over 60 days later, I still have not received a response or the original application. I feel like Im being taken advantage of and being ignored of my dispute. According to section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands.
Complaint sub-issue: Information belongs to someone else

Im reaching back out to you guys because you assisted my with some items on my credit that werent mine. There are still two items on my credit that I know nothing about. XXXX XXXX and XXXX XXXX  XXXX. This sound like something dealing with some type of medical. Im doing this on my own behalf and have already contacted the FTC and my local police. I have been on my job for over 10 years and have full benefits I have no need to go to the doctor without being able to pay. Please remove these items from my credit.
Complaint sub-issue: Investigation took more than 30 days

Investigation was done more than XXXX days and yet not has changed, my credit report still has incorrect, misleading, inaccurate information that violates my rights...
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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.
Complaint sub-issue: Account status incorrect

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Besides, the inaccurate information and inquiries about my accounts are still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the personal information and inquiries that are still reporting on my account : Inquiries : XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX Employer : XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, AZ XXXX
Complaint sub-issue: Don't want a card provided by your employer or the government

I received an unsolicited Visa Debit card from US Bank - Reliacard for " unemployment benefits ''. I did not apply nor want this card. Unable to contact company via phone numbers provided unless I activate the card. Per my son and online information, it indicates that this is a scam and not to activate the card. I am unable to contact the bank at any of the number provided - unless I activate card or on one number they indicated a wait time of at least 30 minutes. I need to know how a debit card was issued in my name and what information was used to obtain it. I feel violated and need to know what further steps to take to protect my name, date of birth, Social Security number. I need written verification from US bank indicating that this card has been cancelled and none of my information will further compromised by the bank or the person who perpetrated the fraud.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Citi XXXX will not protect the card holder I placed a dispute on XX/XX/2019 and XX/XX/2019 : in the amount of {$260.00} / XXXX XXXX XXXX XXXX XXXX XXXX : the veterinarian NEVER examined by dog, and based on a cough said my dog had XXXX XXXX : Put her on seven different medications. My dog became XXXX  and did not eat for four days. 

I took her to another veterinarian, and was advised if I did not stop the medication I would kill my dog because she does not have XXXX XXXX nor is XXXX XXXX XXXX a XXXX. To diagnose XXXX XXXX there are test that need to be done : XXXX XXXX XXXX / XXXX XXXX body cavity and others : before doing theses test your dog has to have signs of XXXX XXXX with the following : XXXX XXXX XXXX, tiring on exercise / weight loss / XXXX XXXX, XXXX XXXX XXXX, XXXX discoloration of the XXXX and XXXX ; she none of these systems. 
XXXX XXXX XXXX took complete advance of me being worried about my dog and without sleep for 2weeks. What my dog had was bronchitis : When Citi XXXX dined my first dispute, I resubmitted it the dispute and requested they asked XXXX XXXX XXXX to provide testing for diagnose XXXX XXXX. Citi Costco refuses to request for it and said I should provide it. 

I then wrote to XXXX : they assigned by case to XXXX XXXX. 
This man had the audacity to give me advise, I did not know he was a therapist. 
He then says there not detectives and would not ask for proof of testing, I should provide from the other doctors in their letter head that she does not have XXXX XXXX. 

They want to further inconvenience the card holder and add me stress they I have had to get all these documents. When all they should do is ask XXXX XXXX XXXX for proof of testing. 

I have been a loyal customer and a good one, I can not say the same for Citi Costco : I want everyone to know that they will NOT protect you in anyway.
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 account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account 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 is the list of account which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00}. 
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: Credit inquiries on your report that you don't recognize

On XX/XX/2020 and XXXX XXXX XXXX Credit pull from my credit report, on XXXX XXXX Credco pull from my credit my credit report, and on XX/XX/2020 XXXX  XXXX Fin pull my credit report all without my permission or intention to incur an inquiries on my credit report. I need this off because it is messing up my credit report for me to get a loan, credit card, and car.
Complaint sub-issue: Transaction was not authorized

Contacted citibank in XXXX for a XXXX order of XXXX. Provided all information and advised citibank that I am going away on vacation. I messaged the vendor as well who never responded. 
Citibank credited my account on on XX/XX/XXXX for the amount because the vendor provided them with a rebuttal. 
I never received the parcel as the vendor never sent it intil I advised I'm on vacation. I provided tracking information and screenshots. 
Citibank advise to send information for an appeal which I sent. The managers advised there is nothing needed to be done on my end after providing me with a provisional credit for the second time. I was advised by a manager name XXXX who stated that they will utilize the email i sent to disputes department. 
Citibank refuses to utilize the information given. I call for an update and they advise to pay more money to fax information already sent to XXXX. 
Citibank also unlinked my accounts for no reason which caused me to make a complaint. Citibank is fraudulent and appeals don't work as I have proof from management that they will always take the first determination and not utilize any proof provided.
Complaint sub-issue: Problem using a debit or ATM card

I have a PNC Bank Checking account. I went into my local branch and requested a print out of all transactions! The print out from the Bank branch doesn’t properly list the payee with the amount paid from my account.I then contacted pnc/XXXX XXXX who later provided me with an accurate accounting contrary to what my branch did as attached. When I received the accurate accounting I found disputed transactions and notified them.They would not process the disputed transactions because “they were not timely notified. However, I relied on the inaccurate statements from my local branch which delayed my being aware of the disputed transactions!
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 in 15 USC 1681.

15 U.S.C 1681 Section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604A 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. 

XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX
Complaint sub-issue: Information belongs to someone else

The accounts never belong to me or any transactions made by me. I am requesting to remove account with balance 0 which are not mine as soon as possible.

a ) Block. Except as otherwise provided in this section, 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. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.
Complaint sub-issue: Debt was result of identity theft

" New Issue '' Obtain police report from XXXX police department ( XXXX ) XXXX in regards to this XXXX XXXX fraudulent debt. My name and information was improperly used to obtain credit by unauthorized individuals. Police report # XXXX. I am adding XXXX XXXX to this complaint as you stated XXXX XXXX hold responsibility for taking exempt funds. XXXX XXXX can verify the source of income in my accounts are from Social Security funds. All funds must be refunded promptly. Follow the LAW.
Complaint sub-issue: Debt is not yours

On XX/XX/2021, I receive an email from XXXX XXXX  stating there had been a significant do in my credit score rating. I immediately loved into my account and to my surprise discovered that not only did I have some {$480.00} in collections but it was something that I knew NOTHING about!! Upon further investigating the matter, I saw that it was a debt in the amount of {$480.00}, that was apparently taken out on the XXXX of XXXX, XXXX, with a company called XXXX XXXX XXXX XXXX, which I KNEW absolutely nothing about. Not only had I never heard of them but had no clue what type of product of services that they offered that they were claiming I owed a debt for?? I have been working with XXXX XXXX  to rebuild my credit for the last few months and have not taken out ANY new debts! Their this tells me that it could be two things. One that someone fradulently took out a debt in my name and with my information with them intent of never paying on it or paying it back because it wasn't in their names. Or Two, that the business in question XXXX XXXX XXXX XXXX, misconstrued information in their records and their numbers are incorrect this reflecting on MY credit report. Regardless of the incident, I WANT MY CREDIT RESTORED! I want this removed from my credit and want the situation investigated if it was some type of fraud situation. I have tried reaching out to the company directly and they asked for a police report of a report from the FTC regarding this incident. I don't know enough information to file a police report so this is my attempt at getting there ball rolling and lighting the fire underneath this company to remove this from my credit. I have filled a dispute with XXXX, I have filled as formal complaint with the XXXX XXXX XXXX and now with you guys. Hopefully something gets done!
Complaint sub-issue: Can't use card to make purchases

This is about account ending Double Cash ending XXXX. I received a letter in mail on XX/XX/2020 asking me to review suspicious transactions on my Citi Double Cash Mastercard ending XXXX. However, I do not remember my login information to Citi and can't review the transactions. I have also lost the card and without full account number customer service representatives won't help me over the phone. Please mail me a new card with updated account number.
Complaint sub-issue: Investigation took more than 30 days

I have submitted disputes to you and I didnt get a response within 30 days and yall are required by law to do so. Please investigate my disputes please. Thank you.
Complaint sub-issue: Their investigation did not fix an error on your report

There is an account listed on my credit that showing late payments and that is not correct. The account with with XXXX the last four of the account is XXXX. I had spoken with the company and they agreed that it was due to their error and that there should be no late payments listed. I have attached a copy of the letter.
Complaint sub-issue: Their investigation did not fix an error on your report

This credit reporting agency has not and continues to not physically validate or verify inaccurate items on my report that I have disputed. It is to my belief that an agent is using the E-Oscar system to scan my disputes through and simply validate or verify as accurate instead of doing an investigation and getting contracted documents for support. I have yet to have an original signed contract, or any physical signed documents for that matter, sent to me showing how theyve verified it as accurate. In my disputes Ive requested such documentation, and have I seen any? No. Please help, thank you so much!
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I am disputing a transaction with the XXXX issued by USBank ( " XXXX XXXX '' ). 

I have paid {$XXXX} from this card via XXXX to a tour operator based in XXXX. The services provided by the tour operator did not match the description that was provided by the company sales representative. I have documentation to prove this. 

I have brought a dispute with the credit card company ( USBank ). However, USBank refuses to consider the documentation I provided, repeatedly promised to reopen or escalate the case, but did not do this. Essentially, my dispute is being dragged to slow death. I am given runarounds and statements that the bank " ca n't do anything ''. 

The charge was onXX/XX/XXXX, {$XXXX} to XXXX. 

To reiterate, I was sold a service and what was provided did not match the description by far.