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

During XXXX XXXX of 2016, two obviously related companies each sent my XXXX year old daughter ( who looks XXXX ) a {$5.00} tube of Anti-Aging Cream, which she had never ordered. Each company then charged my wife 's credit card about {$100.00}. I phoned both companies and they both indicated that they had no record of my wife or daughter in their files ( making it impossible for me to cancel an order if one had actually been placed ). I phoned Citi Bank and told them of this fraudulent activity. ( The woman I spoke with on that first phone call told me she was aware of these two companies and had received similar complaints about them in the past. ) I asked that these charges be removed and that no further charges be accepted on my card from those two companies. The following month, each company charged an additional {$200.00}, and a few weeks later, {$200.00} more was charged for a grand total of about {$600.00}. I inadvertently paid {$400.00} of those charges when I was paying a credit card bill in a hurry without reviewing all of the charges that were on it. The final {$200.00} I did not pay. I have been corresponding with Citi Bank since the first {$200.00} was charged to my card, and I have even sent two letters to the CEO of Citi Bank. She refuses to have these charges removed ( even though Citi Bank advertises that " you will never have to pay for charges you did not authorize '', and claims that {$600.00} is a reasonable amount to pay for two {$5.00} tubes of Anti-Aging Cream that were never ordered in the first place. Now, the bank is threatening to turn me over to a collection agency because I refuse to pay the final {$200.00} of these fraudulent charges.
Complaint sub-issue: Was not notified of investigation status or results

I sent a dispute letter demanding verifiable proof to unverified accounts on my credit report on XX/XX/19 and the letter arrived on XX/XX/19 according the tracking from USPS. The 30 days passed and I did not receive any response.

I sent a 30 day non response letter enclosing a copy of a letter that I mailed to the company via certified mail requesting they verify the alleged debt the company claims I owe. The tracking from the USPS shows the letter was delivered on XX/XX/19. It has been more than 30 days, and I have not received any proof that your company validated the debt.The non response letter was sent on XX/XX/19 and arrived on XX/XX/19. It has been more than 30 days again and my credit report has not been updated. 

All letters were sent with a copy of my identification documents as well as notarized form proving my identity. 

The company failed to respond to this validation request. A credit bureau is required to respond and complete the investigation within 30 days. They did do not respond within this time frame or respond at in my case so they must remove the negative listing disputed. If they do not, they are in violation of the FCRA
Complaint sub-issue: Account information incorrect

In XXXX XXXX, I sent a letter to ask for verification of payments on an account. To my surprise US Dept of Education and Fed Loan re-added the account to my XXXX file and didnt notify me. According to the FCRA if anything is added onto my report I have to be notified within 5 days. They reported it twice on my XXXX and one was added without notice. The payments are all over the place and there is incorrect information being reported. I 've asked the Bureaus to verify and all I get are letters back saying they wont reinvestigate. The burden to provide verification is on them not me. Its my right as a consumer to have the proper information reported on my report. If the Agencies do n't investigate, they have taken my right away as a consumer. The only resolution is that these accounts are deleted off of all three Bureaus immediately. This has been nothing but a burden to my family and I. I do n't owe them anything. I just want it deleted. Its not reporting accurately.
Complaint sub-issue: Information belongs to someone else

I am upset and highly frustrated to know that there has been false and fraudulent reports noted on my credit report that i did not consent nor authorize! This is causing a lot of horrible delays with my employment and would like this to be taken off immediately!
Complaint sub-issue: Account status incorrect

XXXX Bank XXXX XXXX XXXX  / XXXX $ XXXX - No contract with this company. debt was paid and sold without my knowledge. NO CONTRACT = No longer my responsibility. 


XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX / $ XXXX XX/XX/XXXX - No contract with this company. debt was paid and sold without my knowledge. NO CONTRACT = No longer my responsibility. 

XXXX and XXXX / XXXX / {$420.00} / XX/XX/XXXX No contract with this company. debt was paid and sold without my knowledge. NO CONTRACT = No longer my responsibility. 

XXXX XXXX XXXX XXXX XXXX Bank / {$250.00} / XX/XX/XXXX No contract with this company. debt was paid and sold without my knowledge. NO CONTRACT = No longer my responsibility. 


In accordance with the fair credit reporting act these companies ( accounts ) 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 : also states a consumer reporting agency can not furnish an account without my written instruction.
Complaint sub-issue: Information belongs to someone else

The following collection account is a fraudulent account and is not my account : XXXX XXXX XXXX, {$970.00}. I been receiving harassing and threatening phone calls of profane, vulgar and abusive language, threats of legal action, job loss, jail, prison, violence and XXXX   from the above Debt Collection Company. Thiss so unwarranted.
Complaint sub-issue: Account information incorrect

I sent a debt validation letter certified mail pursuant to 15 usc 1692g they received XX/XX/2021 to equifax in regards to inaccurate accounts with XXXX XXXX XXXX and the bureaus i have no business with these companies and have no idea how they even have any of my personal information. These accounts is listed as an account buyer which is illegal. So my information was clearly stolen and retrieved somehow by this company. This company continues to violate my rights per 15 usc 1681s-2 by continuously smearing my reputation and reporting information that i have informed them was incorrect and inaccurate and false. This company this company continuously violates 15 usc 1692f reporting this false inaccurate information to my credit report ( postcard ). Equifax is conspiring with these companies to defraud me .If this cant be rectified in a timely fashion I will left will no choice but to send an AFFIDAVIT OF TRUTH along with all my exhibits to head to court.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  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: Talked to a third-party about your debt

On XX/XX/2018 at approximately XXXX XXXX ( eastern ), I ( XXXX XXXX XXXX ) called LJ Ross ( XXXX. XXXX XXXX , XXXX, XXXX XXXX, XXXX, MI XXXX, XXXX ) and asked to speak with a supervisor. I was transferred to a supervisor by the name of XXXX. I related to XXXX that I was unhappy about the communication that one of his representatives had with my father ( XXXX XXXX XXXX ). I advised XXXX that someone called my house last month and that they shared the debt amount ( {$1600.00} ) and the debt originator ( XXXX XXXX XXXX ) with my father via oral communication at my home phone number of XXXX. 

I asked XXXX to research who made the call, XXXX stated that the call was made by XXXX on XX/XX/2018 at XXXX. I then asked him why they would share that information with my dad. XXXX said that my dad must've said he was me. I advised XXXX that my dad would not do that. 

I then asked him that when I call the XXXX # to call in, that I am asked to verify my LJR Account # ( XXXX ) and the last four of my security number every time. And I asked him why his representatives when calling out, don't follow that same practice. XXXX stated to me that he was unaware that the touchtone prompts at the XXXX # ask for a persons last XXXX of their social and then said that they do verify name and addresses, but don't always verify the date of birth or social security number when calling. 

I am highly upset with their practices and sharing the information with a third party. As I informed XXXX that it severely impacted my relationship with my father and that because of this ; I will be filing a complaint. He said that he will look into it.
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. Here are the disputed items that did not belong to me. 
XXXX XXXX XXXX XXXX XXXXXXXX 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: Personal information incorrect

I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Please delete/remove the following unverified hard inquires accounts : US SM BUSINESS ADMINISTRATION ODA XXXX XXXX XXXX XXXXXXXX XXXX XXXX Also, my current and only address is : XXXX XXXX XXXX XXXX. 
XXXX XXXX, Ga XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX XXXX XXXX XXXX XXXX, Va XXXX I will list the correct spelling of my name there are multiple name spellings as well those also need to be removed and are not accurate.
Complaint sub-issue: Public record

XXXX was not included in my bankruptcy. The account shows closed. This is incorrect. I have been making monthly payment to them directly.
Complaint sub-issue: Account information incorrect

The issue is with XXXX Bank arbitrarily adding a comment to the credit bureau identifying my home as " Affected by Natural Disaster ''. When I called the Bank the employee notified me that this is simply a comment that they add when the area around a home has been affected by a Natural Disaster. This is an unfair practice and affects the value of a persons home. This is something XXXX is doing to others and I feel that they are going to affect the home values of many people by doing so.
Complaint sub-issue: Trouble with how payments are being handled

I had a student loan being serviced by Discover. I refinanced this loan through XXXX. XXXX sent a check for {$19000.00} to Discover to pay off the loan on XX/XX/XXXX. On XX/XX/XXXX, Discover deposited the check. 

Discover is saying they have not received this payment. XXXX sent me a copy of the cleared check to send to Discover as proof of payment. I uploaded the copy of the cleared check to my Discover account on XX/XX/XXXX, and I called them to make sure they received it. They said they have it, and they will look into it. 

On XX/XX/XXXX, I called them again because I kept getting notifications that my account was past due. They said they are still looking into it. 

My dad, who cosigned the Discover loan with me, was getting the past due notifications too. When he called them, he was told that both of us would get a negative report to the credit bureaus, if we don't pay. When he mentioned the document of the cleared check that was uploaded by me and the calls that I previously made, they said they have no record of any uploaded check or any record of an ongoing investigation into the payment. 

Discover removing the investigation, and not notify me that they are no longer looking into my issue, is unacceptable. Worst of all is threatening to send a bad report on both my dad and me to the credit bureaus, when they won't even thoroughly investigate what happened to the payment from XXXX.
Complaint sub-issue: Information is not mine

This account not mines but it keep coming on my credit report and they wont delete it from my stuff.Its bringing my score down badily please update it
Complaint sub-issue: Information belongs to someone else

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX/XXXX XXXX ... XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Complaint sub-issue: Account information incorrect

In accordance with the Fair Credit Reporting Act. 15 USC 1681 ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the accounts listed below. These accounts are not accurate or correct. I would also like for the bureaus to provide the procedure used to verify these inaccurate items. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX, XXXX. ( XXXX ) Account Number : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account Number : XXXX
Complaint sub-issue: Threatened or suggested your credit would be damaged

my credit report shows XXXX XXXX is collecting for XXXX in the amount of {$690.00} I contacted XXXX in XX/XX/XXXX to inquire about the unknown acct. was informed XXXX no longer owns it and is unable to access records. 
I never had a XXXX account.. I contacted XXXX and requested verification, none has been provided, yet they continue to report the account. I need written proof to substantiate the existence of such account to file police report. I can prove that during the same alleged time frame I had phone service connected for years under my ex account through XXXX and never had my own. tired of being ignored. they have full knowledge they are violating the law.
Complaint sub-issue: Debt was paid

The debt has a balance of zero but still shows on my credit! It is also more than 7 years ago. Please remove from my credit report
Complaint sub-issue: Debt is not yours

I recently received a copy of my credit report and I noticed that this company is reporting negative information against my SSN. I have never done business with this company. They have never provided me with any goods or services. I have no contractual obligations to this company yet they have reported to the CRA 's that I indeed do. I am requesting validation. Please send me a signed contract between me and your company. One that I signed and one you  signed. Copies of a copy is not legit. I would like to see the contract with my wet ink signature, detailed statements from the last 6 months, and how this alleged debt was calculated.
Complaint sub-issue: Overcharged for something you did purchase with the card

I have charged {$590.00} for the entire time I have had the card. I have made {$540.00} so should only owe {$47.00}. I tried to do chargeback for lotion purchases that I thought were free from XXXX XXXX XXXX  and XXXX XXXX XXXX for ( {$110.00} + {$85.00} ) on XX/XX/XXXX. Citi advanced refunded me {$320.00} while investigating and then they said I couldn't do charge back because the company said it was too late to return. I am a XXXX year old female that has XXXX XXXX XXXX and forgot to ask my children how to return. Every other credit card company in the past will charge back if customer said they didn't want the product and trying to return except citicard. The people involved were hard to understand because I can't hear well and they don't speak clear English. They are predatororial to seniors and their limitations. I called them with my daughter XX/XX/XXXX, XXXX, and XX/XX/XXXX and was put on hold for 20 to 30 minutes waiting for a rep and then it just disconnects. When I do get one on the phone they confirmed they made mistakes and need to credit back my account but never did, then they charged me {$25.00} late fee when I was few days late thinking they credited my account like they said I shouldn't have a balance. I had no idea. They have violated almost every code there is for the consumers protection. My credit score is XXXX because I always pay off my debt completely and on time. I don't want to keep paying for things that I didn't purchase and they keep charging me even though I closed the account. Please have them resolve this for me asap and please charge them for their illegal charges to my account as well as using schemes to make it difficult for me to rectify.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

XXXX reported a {$670.00} collection account to the credit bureaus on XX/XX/XXXX. I disputed the collection account and it was removed. However, starting XX/XX/XXXX EOS CCA started reporting the same account amount {$670.00} as a new collection account even though it had previously been removed. I've disputed the EOS CCA account with the company. I've requested that they demonstrate that they are licensed in Maryland as required by Maryland statute, but they have refused to proved proof of license to operate in Maryland. Further, base don either the original XX/XX/XXXX XXXX reporting date or the XX/XX/XXXX EOS CCA reporting date, the debt ( if even valid ) is passed the 3 year Maryland statute of limitation and is noncollectable. My credit score dropped at least XXXX  points when EOS CCA started reporting the XXXX account as collectible. As a result I am unable to be approved for a conventional mortgage loan and I am currently at the low limit of qualification for a FHA loan. Just this month I was denied a rental application because of the EOS CCA collection account.
Complaint sub-issue: Problem with fees

I owed Best Buy retail services ( Citibank ) {$53.00} due XX/XX/XXXX. They received my payment XX/XX/XXXX. 

They charged me a {$60.00} late fee! I called and tried to have it waived as I have been a long time customer. The first person- said it was against policy and there was nothing she or anyone else could do about it. 

She finally sent me to a supervisor ( after I held for 10 minutes ). This person kept reading from a a script- was obviously in another country due to the 5 second delay in the conversation and she read from a script too- she waived {$30.00} of the {$60.00} but failed to see the inherent unfairness of a {$60.00} late charge on a {$53.00} invoice being 1 day late. 

If in the process of paying the bill- I overpaid- it would take 3 MONTHS for me to get my refund! 
Process and policy were the answers. Worst customer service Ive experienced in 45 years of having credit cards.
Complaint sub-issue: Investigation took more than 30 days

The error of this charge was disputed and found not valid and was removed off of my XXXX account and XXXX however, its been more than 30 days not being removed off of my Equifax account. 

ACCOUNT : XXXX COMPANY NAME : XXXX XXXXXXXX XXXX XXXX XXXX AMOUNT : {$440.00}
Complaint sub-issue: Didn't receive advertised or promotional terms

Bought furniture with no interest for 24 months promotion. Paid all promotional balance via phone calls to avoid paying interests next year. XXXX promotional balance still showing despite paying it months ago. Called Macy 's credit card customer service XXXX to XXXX times to resolve issue. Last representative states that promotional balance {$850.00} is still owed and lectured me I have an attitude. I called Macy 's back few minutes later that day to close account when I realized what was going on.
Complaint sub-issue: Personal information incorrect

this is the third attempt to correct my name and addresses and birth date see letter enclosed
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I purchased a trip through XXXX in XX/XX/2020 for XX/XX/2020. COVID-19 hit and I had to cancel the trip in XX/XX/2020. XXXX  sent an email stating they were refunding the {$1300.00} for the trip but were unable to refund for the flight. Later that same day, XXXX placed a disclosure on their website stating they were cancelling all reservations and that people would need to get a refund from their credit card. I filed with the airlines who sent the refund to XXXX. So I filed a dispute with Citibank to get a refund for the flight. While talking to Citibank, I was told to only dispute the airline claim and to wait for the XXXX refund. I was told that I could change the dispute amount later if I did not receive the refund from XXXX. This was a lie. After numerous calls ( at least 7-8 in a little over 2 month span ) and repeated statements from various departments and personal in Citibank, I was repeatedly told they would change the amount for me. I eventually became frustrated and withdrew my dispute so I could change the amount and get a full refund. A new manager was very hateful to me on the phone and said they could not do anything because I withdrew my dispute. I was NEVER told that once a dispute is withdrawn, it can never be reopened. I filed a complaint with CFPB on XX/XX/2020. On XX/XX/XXXX, Citibank responded with an email basically stating they knew they lied to me in the beginning, but it was my fault for withdrawing the dispute. They did decide to give me a refund of {$450.00} out of the {$1300.00} because I am a " valued customer ''. I have responded twice to the email on Citibank letterhead ( XXXX ) and they have never bothered to answer me. I stated that I while I appreciate a partial refund, I don't feel like that is enough. I was lied to at the beginning of the dispute and repeatedly for months. Citibank stated in the claim that they knew I was lied to. So how to do they come up with a number that is not even half of what I lost. Had I known from the beginning that a dispute could not be changed or withdrawn, I would have filed for the full amount. I was trying to be honest and not file for the full amount with Citibank when I thought I was getting a refund from XXXX. Apparently Citibank does not feel like they need to be honest or they should take any responsibility if they are dishonest. Now I am out {$940.00} on a vacation that I was not able to take because a corporation does not feel like they have to live up to their word.