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

I filed a dispute with Citibank regarding a charge for {$5700.00} to XXXX XXXX XXXX XXXX in Kentucky. The business installed the upholstery on a classic car. The job was so badly done that within three months the headliner came down, the seams were coming apart, the rubber seals were coming unglued. I informed Citibank that I was disputing the charge in XX/XX/2020. The bank removed the charge from my account while they were investigating. In early XXXX, the bank resolved the issue without informing me of their decision. I called them and sent documents and receipts and photos to support my dispute. I sent them emails and etc which they did not respond to except to call me on the phone that my balance was past due. The bank has also put the disputed amount plus interest and late payment penalty to my account. This was done without resolving the issue at hand. I kept calling the Dispute Department and each time, the phone goes dead. No one answered my call. However, I received another message by email saying that the dispute is still open and so, I replied insisting that they remove the charge from my account along with the interest and late payment penalty. 

In the meantime, I photocopied photos of the shoddy work and the messages that the business and I have exchanged from the time my complaint against their workmanship to the present and sent these documents and photos and receipts by mail to the bank. I am hoping that they have received these documents since they have not obviously read or even viewed the photos that are so evident of the work that was performed on the car. 

I am still waiting. I am attaching copies of emails that the dispute department and I have exchanged in relation to this dispute.
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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX Balance : {$560.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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
Complaint sub-issue: Was not notified of investigation status or results

I disputed inaccurate negative information being reported to my credit report on XX/XX/2021 and did not receive any investigation results and these inaccurate items still remain on my credit report. They are in violation of the FCRA for not performing an investigation as I requested. The following unverified information still remains on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2022 I sent a letter to Equifax notifying them that my consumer rights were being violated. I requested method of verifications for disputed accounts. I requested full reports of how accounts were validated, verified, and how they were in compliance with the FCRA. I did not receive the required information.
Complaint sub-issue: Their investigation did not fix an error on your report

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

according to the FCRA you are in violation of reporting late payments on my credit cards 15 U.S.C. 1666b timing of payments XXXX  credit card and XXXX XXXX XXXX credit card
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX, I wrote to XXXX  to dispute an inaccurate entry on my credit report in regards to two XXXX XXXX credit  card accounts. My credit report showed that I was late on my XXXX XXXX credit card accounts on the following dates : Account # : XXXX ... .. ( XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX XXXX Account # : XXXX .... ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX XXXX. I spoke with a XXXX XXXX representative in XXXX of XXXX. She verified that I was never late on both of my accounts and that it was a mistake. She also stated that XXXX XXXX will report both accounts as current and never late. I also received a letter from XXXX XXXX stating that XXXX XXXX finished their investigation and their research found that all payments are current and never late. They also stated that they will update my account with all three credit reporting agencies. However in reviewing all of my credits reports from all three credit reporting agencies, XXXX, Equifax, and XXXX, both my XXXX XXXX accounts still showed me as being late on the dates listed above.
Complaint sub-issue: Was not notified of investigation status or results

Please update my credit report with this incorrect information. I recently got my credit report from your Bureau and saw this unimaginable reports with XXXX and the investigation 's findings were " confirmed. '' I was never late on this account but you are reporting me as one? why is that? I'm fascinated with this " documents '' from the so-called account. Because I argued with the creditor with the lates i saw in my account that you doubtless " confirmed '' it. I want you to update this incorrect information in my account ASAP! 

Account Bal. {$3300.00} Account # XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

On XX/XX/XXXX I called XXXX XXXX in reference to my business vehicle reporting on my personal credit And thats not supposed to happen so what you shouldve only been on my business credit the rep at XXXX XXXX state it theres nothing she can do about it and that I need to call the credit bureau which I did and nothing has been done.
Complaint sub-issue: Their investigation did not fix an error on your report

When my sister went to purchase her car in late XXXX ( XX/XX/XXXX ), the dealership pulled her credit. However, in the process, Equifax pulled my credit as well, likely because her credit report is intertwined with my own. 
Since I was obviously not the one who agreed to the credit pull, I first called Equifax in XXXX to dispute the two hard-pulls from XXXX ( Equifax dispute # XXXX ). I explained that it is likely that Equifax have me and my sister mixed up in their system. When I asked Equifax to remove the hard pull from my end, Equifax told me the dealership and the XXXX must be the ones that initiate the request electronically. 
So I called the said dealership and told them about the situation and asked them to do what Equifax told me the dealership would need to do. However, when the dealership called Equifax, Equifax told them that the request would need to come from my end as a dispute. 
Upon hearing this, I once again called Equifax to verify, and Equifax repeated what they had told me before, that the dealership and the XXXX need to initiate. I again relayed this information to the dealership, but again, when the dealership inquired Equifax, Equifax told them I need to do it through a dispute process. 
I find Equifax being the dishonest party here since Equifax is telling me and the dealership conflicting information, to my eyes, to avoid taking the responsibility.
Complaint sub-issue: Their investigation did not fix an error on your report

Hello, In XX/XX/2018, I sent a certified letter to LexisNexis to dispute the inaccuracy and compliance of a public record that they maintain under my social security number. In this letter, I requested that they please validate this information with the court and provide me with copies of any documentation associated with this account, bearing my signature. 
They responded back and said it was verified as accurate. I sent another letter to them in XXXX requesting the procedure that they used to verify the accuracy and to also send me copies of names, addresses and phone numbers of each person they contacted from the court. 
They responded back with a letter saying that I requested them to initiate a dispute on my behalf with XXXX XXXX and XXXX, and that I would have to dispute each agency separately myself. THIS WAS NEVER IN MY LETTER!!! 
Also, In XXXX, I requested that LexisNexis put a security freeze on my report. That was granted on XX/XX/2018 and is still in effect today. 
Because they failed to provide me the information that I initially requested, I sent them another certified letter in XXXX requesting the same information to either be accurately verified or removed from my report. 
This time, they NEVER RESPONDED AT ALL! So, I sent them another certified letter in XXXX to inform them that by not replying in a timely manner to my initial letter dated XX/XX/2018, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Then, for whatever reason, they initiated an investigation with both XXXX  and XXXX  without my knowledge, nor my permission, and responded back saying that the public record on my report had been verified, and that the source of their verification was XXXX??? At this point, I realized that they are just playing games! 
However as one last act of good faith, I sent out two more certified letters to both LexisNexis headquarters and to the CEO of the company on XX/XX/2018 asking still, for the proper proof of verification from the court. 
They both responded with the same letters saying that I need to launch my own separate investigations with XXXX XXXX and XXXX! 
This is ridiculous! 
I'm tired of playing these games with them!!!
Complaint sub-issue: Reporting company used your report improperly

Hi I am coming to you to talk about an account listed under my name and social that I noticed does not belong to me. I have sent several letters to the XXXX, XXXX, XXXX, and Equifax to fix it. There seems to be a confusion on the accounts being association to me and I do not take responsibility for something that is not mine. I have contacted them so it could be resolved before I ask for payment for violating my consumer rights. It is my understanding that per XXXX USC XXXX ( XXXX ) Validation of Debts that only way an account can be validated is by speaking with the original creditor and I am the original creditor. There are addresses that I never lived at or even provided the information that I did live there. A company or corporation can not tell me where I lived nor can they verify that in any way. I want my credit report updated to reflect true valid information.
Complaint sub-issue: Account information incorrect

I HAD PREVIOUSLY SUBMITTED A CFPB COMPLAINT AGAINST XXXX XXXX  WHICH IS ONLY REPORTING TO EQUIFAX BUT THERE WAS NO RESOLUTION. IT SEEMS THAT MY COMPLAINT WAS UNABLE TO GET TO XXXX XXXX. SINCE EQUIFAX IS THE REPORTING AGENCY, I AM NOW FILING A COMPLAINT AGAINST EQUIFAX FOR REPORTING INACCURATE INFORMATION. I SETTLED IN FULL THE BALANCE OWED ON FRONTIER COMMUNICATION YET THEY ARE STILL REPORTING A BALANCE. THIS IS A VIOLATION TO OUR SETTLEMENT AGREEMENT. XXXX XXXX NEEDS TO BE DELETED IMMEDIATELY. I HAVE ATTACHED PROOF OF MY PAYMENT TO FRONTIER COMMUNICATION AS WELL. EQUIFAX IS REPORTING FALSE AND INACCURATE INFORMATION WHICH IS HURTING MY CREDIT. DELETE ASAP!
Complaint sub-issue: Their investigation did not fix an error on your report

There is an account that has been listed on my consumer report from Plaza Services there is no account number I am not the owner of this account I have disputed this several times with the credit bureaus they have not removed it and will not show me what is the proof I own this debt. I sent a validation letter certified with no response from the creditor with any proof this is my debt. They are now legally obligated to remove this I am not the owner of this debt.
Complaint sub-issue: Information belongs to someone else

I noticed UNAUTHORIZED INQUIRIES on my credit report. Someone else applied with my name. According to the FCRA, these unverified and UNAUTHORIZED inquiries most be remove. 

CREDIT BUREAU NAME : EQUIFAX XXXX XXXXXXXX XXXX XXXX XXXX DUPLICATE ACCOUNT ) XXXX. 

XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX.
Complaint sub-issue: Attempted to collect wrong amount

XX/XX/2016 verizon sold me faulty phones and the service was not working we returned the items and proceeded to cancel and in doing so they had agreed to let us out of our contract but instead put us into collections illegally. They then sold that debt to jefferson capitol who reset the clock on the time the debt had been occurred forwarding the clock a whole year. Because we returned the product and canceled within the 30 day period we dont owe XXXX and they charged us a {$300.00} cancelation fee which is illegal breaking a contract, somehow XXXX is now {$600.00} not sure how thats possible but this fraud and anyways they could not fulfill the contract because they didnt service our area and the phones didnt work because they couldnt provide service when we put our sim card in it said no service. I do not owe any debt to jefferson capitol and they have refused to provide any information proving this debt is even valid, dates, amount ect even after sending them a request for validation. 
Regardless the statue of limitation is 4 years in florida to remain on a credit report which transunion and other credit reporting agencies are in violation of because they refuse to remove this zombie debt.
Complaint sub-issue: Account status incorrect

On XX/XX/2022, my XXXX XXXX XXXX account was compromised. The majority of my bills are paid from this account via autopay and have been for years. I went in the same day and closed the compromised account and opened a new one. I then contacted all my payees and submitted the new account information. Everything went as planned until XXXX. I received a notification from The Money Source ( my mortgage company ) stating that my bank declined payment. I gave The Money Source the new account # and explained that I've been on autopay with them since opening my account with them. Also that they had received 2 payments already from the new account, so how did a different # suddenly get associated with my bank. Things seem to go back to normal so I thought. I XXXX XXXX, I got another notification from the Money Source stating the payment was declined by XXXX. I then called XXXX and did a 3 way telephone call to The Money Source.. The XXXX agent told the Money Source agent that the issue was on their end by inputting the old account #. We don't understand how that could happen when The Money Source had been receiving payment with the new account number then arbitrarily began using the old number. This caused a hit on my credit report for a late payment in XXXX. I have had perfect credit for more than 5 years, this set me back into fair status. I have contacted The Money Source via phone and email, my attorney even wrote a letter. They will not take accountability for their mistake and I am paying for it.
Complaint sub-issue: Reporting company used your report improperly

Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 

Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.
Complaint sub-issue: Attempted to collect wrong amount

Today I received a call for the collection department for the XXXX payment and I told the collection representative that I had till the XXXX before the payment was late. The representative try to lie to me and say that the payment was due on the XXXX and that they give us a grace period of 15 days to make the payment which is not true according to the note that I sign which state that by the end of XXXX calendar day the holder of the note is late. To me it felt like they were trying to harsh me for my payment right when I stated that I had till the XXXX to make my payment. the collection agent was very rude and aggressive and I did not like this matter at all
Complaint sub-issue: Was not notified of investigation status or results

There is unverified information on my reports which are causing financial harm to me and my family. The unauthorize Inquiries on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Public record information inaccurate

Company LexisNexis has multiple inaccurate criminal and motor vehicle background reporting for my records in the state of Connecticut. I have contacted them via phone and email communication starting X/XX/2017. During my contact I established ticket ID # XXXX. I also at the same time email over a copy of my FBI National Identity History Summary Check and also a CT State Police fingerprint supported background check. I have received no response from the company after multiple contact attempt, last of which is on XX/XX/XXXX. Please help me as this inaccurate record would hurt my current Job seeking abilities and is a time sensitive issue. Thank you in advance.
Complaint sub-issue: Other problem

Citi Cards Acct # ending in XXXX XXXX This is in response to Citibanks final letter of XX/XX/2021 regarding denying our cancelation of the charge to Connected Investors in the amount of {$480.00} due to allegedly having no proof of cancellation. Please note there is another charge in the amount of {$1400.00} # XXXX for total charges of {$1900.00}. I have made several efforts to appeal Citibanks denial of my claim. 

I, XXXX XXXX, canceled an online course on XX/XX/2021 by telephone and on the merchants website. The merchant is claiming that I did not cancel my purchase. It must be pointed out and understood that the Merchant is being dishonest because proof of cancellation is in the possession of the Merchant. The Merchant unethically and intentionally makes it virtually impossible for the customer to prove cancelation. The Merchant is almost impossible to get a hold of and written messages go through their website so I can not have a copy of an email showing cancelation. I called the Merchant by phone to cancel. The record of that call is in the possession of the Merchant, not me. All electronic communications went through the Merchants website so I do not have a copy of an email to present. The Merchant has that. 

It is absolutely untrue that I never did contact the merchant to cancel my order. The Merchant was contacted and the order was canceled on XX/XX/2021. This was done by phone and other communications were online. 

The Merchant should not profit from their false statement. The order was canceled on XX/XX/2021 and I never logged in or used the service. 

This was an online class that was canceled. There is no product or service that was unjustly received or used. In any event, I was ill with XXXX XXXX  and could not have used the service. The merchant has lost nothing. I have lost {$1900.00}. I am the only one facing a loss here. 


Thank you, XXXX XXXX Acct XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Despite two written requests and a fraud alert placed on my reports with Equifax and XXXX, fraudulent unverified items still remain on my credit report in violation of Federal Law. In the results of their first investigation and subsequent reinvestigation, they stated in writing that they have verified that these items are being reported correctly. I've contacted the creditor and the 2 credit bureaus with no success with getting. XXXX, XXXX and XXXX XXXX are still being reported but have yet to provide me with PROPER documents validating my ownership of these account.They have NOT provided me a copy of any original documentation as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Iam just receiving validation of an existing debt. It does not prove ownership! These account are not mine but continue to be reported on my credit reports. I was told by a fraud rep at Equifax that she could not provide me with any information received by the creditor used to validate or verify this account. It is hurting my credit and a consumer i know my rights and i feel they are being violated.