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

On XX/XX/XXXX I used my Citibank Mastercard to pay {$3000.00} to the XXXX XXXX XXXX XXXX ( XXXX  ) to XXXX an XXXX XXXX XXXX ( " XXXX XXXX presents solo show XXXX XXXX '' ) to be visible to the general public and collectors from XX/XX/XXXX to XX/XX/XXXX, on the XXXXXXXX XXXX XXXX XXXX  website. 

The sole purpose of joining an online art fair is to XXXX XXXX online. XXXX promised massive publicity and an exclusive client list of thousands. 

The software used by the XXXX was riddled with problems and totally inadequate. XXXX NEVER MADE MY GALLERY VISIBLE to the public, or to any of their collectors as promised. It was not anywhere to be found on their website despite numerous phone calls and e-mails to everyone involved. I sent proof of this to Citibank - neither my name nor the gallery name came up on any search of the XXXX website or anywhere else. 

Furthermore my own XXXX could not access my gallery. I sent out a private e-mail to hundreds of my personal XXXX. No one could find my gallery on the XXXX site. This was embarrassing and jeopardized my hard-won relationships with them. 

My gallery had a TOTAL of 9 views - and I sent PROOF of this to Citibank.This proof was from XXXX   itself! Those views were all from me trying to visit my own site. 

Needless to say I had zero inquiries and zero sales. 

I told the XXXX I wanted a full refund. They did not reply to e-mails or phone messages. 
I disputed the charge with Citibank. I informed the XXXX that I had disputed the charge as a courtesy at which point they told me directly in a phone call that they would not dispute my dispute. I was led to believe it was resolved. 

XXXX is a knowingly fraudulent company. They have lied about everything and continue to do so. The bottom line is I received NOTHING for {$3000.00} and I will report them to XXXX 

I also sent proof of e-mails from many of the 70 other galleries represented who were lied too and defrauded too. Most of the galleries had zero inquiries and zero sales. XXXX bragged about 12,000 visitors. They failed to provide any real and true data with individual IP addresses. Galleries were rightly furious. 

Today I was informed by Citibank that my charge was reversed and my case closed because I " did not provide a credit slip. '' I immediately called a supervisor who actually agreed with me that my evidence was sufficient, but that he could do nothing because the investigation was with Mastercard and they decided not to pursue it. He send a follow-up e-mail to the investigator, but he was not hopeful. 

I don't believe the 'investigator ' even read my e-mail with conclusive proof of fraud. I asked for a different investigator but I was told by Citibank that it would go to the same person. 

The behavior of both XXXX and Citibank is outrageous. I will not and can not pay {$3000.00} for a service I NEVER RECEIVED. 

Please help. THANK YOU. 

XXXX XXXX
Complaint sub-issue: Account information incorrect

I have resolved an auto loan with XXXX for XXXX XXXX XXXX The account had a derogatory status and still shows balance owed XXXX have sent me a letter acknowledging that account was resolved and that credit report would be updated to reflect this. At this time, almost 3 months later account remains with derogatory status and showing a balance that has been resolved.
Complaint sub-issue: Public record information inaccurate

I am holding a letter from bancruptcy court that they never reported to any of credit biro agency. i am willing to sue credit agency 's for reporting from a third party not the court it self.
Complaint sub-issue: Card opened as result of identity theft or fraud

Saturday XX/XX/2022 Received a text msg from citi.com : Please confirm you recently opened a XXXX XXXX XXXX Account. XXXX, XXXX, or contact us at city.com. Reply STOP to opt out. 

Monday XX/XX/2022 Received same text as above. 
XXXX Immediately received text back : XXXX XXXX Citi : We've blocked this card and lets get this taken care of. Please call Fraud Dept at XXXX or visit citi.com I went online and found customer phone number on Citi.com website. Called spoke to a lady, she spelled her name, XXXX. Explained to her I did not apply for a XXXX XXXX XXXX Account. She reviewed with me all my personal information and verified that my information was used to apply for the card. She proceeded to Closed the Credit Card account and said she opened an internal investigation with Citi Bank Fraud department. 

I would like CFPB to check into phone XXXX to make sure it belongs to Citi Bank or if it is a fraudulent phone number. I did not call this number because I will not give out my personal information to someone that I did not initiate call to. 

Fraudulent texting or solicitation???? [ is it possible that Citi Bank is using this type of text to get someone to apply for a credit card??? ] Contacting you so that situation is noted. 

XXXX2022- Citi Bank has been called by myself, personally, and XXXX XXXX XXXX Account [ Credit card ] has been cancelled and verified as fraudulent. 
Thank you in advance.
Complaint sub-issue: Sent card you never applied for

This company has posted on my credit reports that I opened a credit card with them. I have not heard of this company. They do not have a phone number. I have not received a credit card from them.
Complaint sub-issue: Information belongs to someone else

I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : 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 AXXXX XXXX # XXXX
Complaint sub-issue: Threatened arrest/jail if do not pay

This company has taken to multiple calls on my work cell phone. They used to call from a different number, but now they are switching to another number to try and scam money out of me.
Complaint sub-issue: Their investigation did not fix an error on your report

My CBR is still showing my account was 150 days delinquent on XX/XX/XXXX. I have provided proof of payments thru XXXX of XXXX, which would not make the delinquency valid or possible. The lender has informed me they did not report negative information, but my CBR still remains reflective of bad history.
Complaint sub-issue: Can't get other flexible options for repaying your loan

So, fresh out of college working as a XXXX XXXX in New york barely making enough money to keep up with my {$1000.00} rent and federal and private loans and other expenses. It has been hard for me to save money. Sometime I end up only have {$20.00} left after I pay all my bills and loans. Sallie mae doesnt offer anything else lower than the $ XXXX payments and the interest of % 14!! Doesnt help either. Its basically like I pay my loan the interest just keeps adding up.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, Account 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: Was not notified of investigation status or results

Hello, my name is XXXX and I received my credit report to find that things were put on my report that was not authorized by me, I didnt give anyone written consent.
Complaint sub-issue: Information belongs to someone else

I made a call to Equifax as well as faxed them inquiries that needed to be deleted due to Fraud. They were not deleted and it has been over 45 days since the requests have been made. Please see the attachment which I have done over that needs to be removed from my account immediately. I am closing on my home soon and this needed to be addressed. 

DO NOT PLACE A FRAUD ALERT ON MY CREDIT REPORT AT ALL.
Complaint sub-issue: Was not notified of investigation status or results

I have called Citibank no less than 8-9 times ( or more ) spending approximately 18 hours on the phone since XX/XX/2020. Five of those times, after repeated explaining the circumstances and concerns of my account, Citibank DISCONNECTED the phone line. This same instance occurred 6 separate times in XXXX of 2020. Additionally, fraudulent charges were discovered on the account, and I was told that these charges were being investigated beginning in XXXX. My latest call in XXXX revealed that Citibank had no record of an investigation begin started despite SEVERAL phone calls from me in XXXX to inquire and be updated. I was told in XXXX that they have until XX/XX/XXXX ( 90 days ) to report back to me. Citibank did not. 

1. Upon applying for their Covid relief program in XXXX of 2020 for the following two months of XXXX  and XXXX, guided by one of their employees while on the phone so that accuracy was ensured, I was shocked to receive notices in XXXX that my account was being reported delinquent and that my credit score was being dismantled and harmed. From this point onward, Citibank has created continuous havoc on my account and credit score -- with no communications of the the multiple fraudulent charges being investigated or resolved. Phone call after phone call revealed near chaos on their end as to creating steps to discover and report what I truly owed. 
2. I have spoken with no less than 16 different persons ( I have names, dates, times, and extensive notes XXXX to address getting my account restored properly as well as my credit score. 
3. Additionally, multiple fraudulent charges were found on my account and, per the Citibank employee, an investigation was begun in XXXX. 
4. Not having heard anything from Citibank in XXXX or XXXX ( except incomplete and false reports of what I owed them via their automated systems ), I called several times in XXXX XXXX at least 4 times ) to be told that it would take up to 90 days ( XX/XX/XXXX ) for the results of the investigation and that I should not call back UNTIL that time ( XX/XX/XXXX ). 
5. Upon receiving repeated incorrect pressured notices of what I owed and now a closed account along with repeated harm to my credit score, I called back in XXXX to ascertain the outcome of the investigation -- -TO DISCOVER that NO INVESTIGATION had been started per the latest Citibank employee. 
6. I have pages of notes, names, dates, times, and a few recordings that verify -- along with telephone records that can vouch for being disconnected 5 times from Citibank after hours on the phone with them with no one from Citibank ever following up. 
7. Person after person after person said that they 'would do this or that ' but nothing has ever been reported back to me despite my follow-up with Citibank ( all documented ) 8. I have been a loyal customer who has paid on-time for over 20 years with this company, and they have utterly disregarded accuracy, veracity, and reasonable due process as a faithful client.
Complaint sub-issue: Banking errors

Thursday, XX/XX/XXXX, unauthorized charges were attempted on a locked debit card which was supposed to deny all attempted transactions. After receiving a message from Ally Bank 's fraud protection program, I checked my account to find attempted charges. After attempting 3 times to call the fraud phone number for Ally, I finally spoke to someone who said that my card would be flagged, cancelled, and a new one sent out. I was also assured that the attempted charges had been denied and would not post to my account. After getting off the phone with the fraud department, I called the normal number for the bank and waited on hold for over 40 minutes to be assured that my money was safe, my card was cancelled, a new one sent out, and that the charges had not been allowed and would not post to my account. Today, XX/XX/XXXX, I checked my bank account to find that the charges had indeed posted to my account. This is not the first time I have had a debit card number from Ally bank stolen, and I have taken measures to keep my card locked at all times and only use it for ATM withdrawals. Ally needs to be held responsible for their failures to protect consumer information.
Complaint sub-issue: Debt was paid

I am asking for the collection account from Procollect to be removed from my credit report because the creditor XXXX XXXX sent the account for collections BEFORE the due date. I paid the account within the 90 days allotted as stated by the property manager. I have an email dated on XX/XX/XXXX from the managing office stating that I have 90 days to make the payment of XXXX. I paid the account WITHIN my allotted time hence it NEVER should have been sent for collection. I have a signed receipt of payment made on XX/XX/XXXX which falls WITHIN my ninety day window. I also have a copy of the check that was given.

The XXXX XXXX is extremely uncooperative with this process and even hung up the phone on me when I provided them with this proof. The XXXX XXXX   company was extremely rude. Both avenues have been very unprofessional. I paid the balance WITHIN the 90 day window that was given therefore the account needs to be removed from my credit report.

The account was NEVER supposed to go to collections to begin with because I paid on time.
Complaint sub-issue: Public record

XXXX SUPERIOR COURT DOES NOT HELP RESOLVING THIS ISSUE. I 'VE TRIED SEVERAL TIMES IN THE PAST YEAR AND A JUDGEMENT REMAINS ON MY CREDIT REPORT ERRONEOUSLY. XXXX IS THE NAME OF INDIVIDUAL THAT PLACED THIS ON MY REPORT. PLEASE REMOVE THIS FROM MY CREDIT REPORT. THANK YOU The piece of information that is wrong that is showing is the name XXXX.
Complaint sub-issue: Attempted to collect wrong amount

In XX/XX/2019, I went on a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Before I left for the trip, I called XXXX and made arrangements for the at sea rates. I have some of the text messages of the rate agreement. I have some of the text messages of my concerns of being charged regular rates. I was told that I would not be charged that rate. At the end of the trip, I was charged I repeatedly tried to get it adjusted to the agreed upon rate, to no avail. It has been sold to a collection agency. 
I have been affected in so many ways by this. I was in XXXX XXXX XXXX XXXX XXXX, due to XXXX. Besides XXXX XXXX I have XXXX XXXX as a result. I wrote XXXX as well as the collection agency. It it now on my credit report as a collection. 
I have several letters that have been submitted. I have text messages. I will only upload a sample of what I have sent. Please contact me if you need more.
Complaint sub-issue: Information belongs to someone else

I am a victim of fraud. I had some issues with fraudulent addresses appearing on my credit report. Someone has been using my ID and SS number to apply for account in my name. Please delete/remove the folowing addresses : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX I have a numbers on my credit rreport that do not belong to me on my credit report please delete they are not mine numbers. ( 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 I have account that I have disputed already from XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX
Complaint sub-issue: Reporting company used your report improperly

CFPB Write up In accordance with the Fair Credit Reporting act 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 _______________ XXXX XXXX XXXX  -- -- XXXX Past Due : {$420.00} Comments : Customer disputed account - reported by subscriber. 
Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department. 
Consumer disputes this account information Collection account _______________ XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Past Due : {$420.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Account information disputed by consumer, meets FCRA requirements _______________ XXXX ( Original Creditor : XXXX XXXX XXXX ) Past Due : {$430.00} XX/XX/XXXX Comments : Account information disputed by consumer, meets FCRA requirements Customer disputed account - reported by subscriber. 
Consumer disputes this account information Medical Subject has not satisfied debt. 
_______________ US DEPT ED ( 1 ) Past Due : {$18000.00} Last Reported : XX/XX/XXXX Comments : Collection Account Student loan permanently assigned to government Student loan permanently assign to government. 
Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department. 
Student loan assigned to government Collection account _______________ US DEPT ED ( 2 ) Past Due : {$31000.00} XX/XX/XXXX Comments : Collection Account Student loan permanently assigned to government Student loan permanently assign to government. 
Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department. 
Student loan assigned to government Collection account _______________ DEPTEDXXXX ( 1 ) Past Due : {$17000.00} XX/XX/XXXX XX/XX/XXXX Comments : Account closed due to transfer Account transferred or sold Student loan _______________ DEPTEDXXXX  ( 2 ) Past Due : {$28000.00} Comments : Account closed due to transfer Account transferred or sold Student loan _______________ US DEPT ED ( 3 ) {$5500.00} XX/XX/XXXX Comments : Collection Account Student loan permanently assigned to government Student loan permanently assign to government. 
Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department. 
Student loan assigned to government Collection account _______________ US DEPT ED ( 4 ) Past Due : {$2500.00} XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Collection Account Student loan permanently assigned to government Student loan permanently assign to government. 
Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department. 
Student loan assigned to government Collection account _______________
Complaint sub-issue: Reporting company used your report improperly

I was reviewing my credit reports and found several violations in accordance with the Fair Credit Reporting the following accounts such as XXXX XXXX XXXX XXXX # XXXX, XXXX Bankruptcy Court Dock # XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, and XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. the law States that 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 I am certain I did not provide anyone with my written consent!
Complaint sub-issue: Transaction was not authorized

First, I'm not sure of the routing number or the address as to where our accounts went. As you must be aware, US Bank has taken over all accounts from XXXX XXXX XXXX. My wife and I have several XXXX XXXX XXXX IRA 's. In the transfer US Bank states it will honor the interest rate until maturity but states that after next year they will impose a " maintenance fee '' for having the accounts. When we signed up with XXXX XXXX XXXX  it was because of the interest rate and the fact they had no fees. We believe the introduction of fees is against what we signed up for. We do not see how they can do this. In my phone conversation with a " regulator '' he stated I needed to wait until US Bank had officially taken over, which I believe was XX/XX/XXXX. 

On XX/XX/20 at XXXX with XXXX ( who hung up on me ) then XXXX who transferred me to XXXX.
Complaint sub-issue: Reporting company used your report improperly

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 2. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 3. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX  Delete this account. 
4. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 5. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX  Delete this account. 6. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX  Delete this account. 7. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX Delete this account. 8. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 9. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Delete this account. 10. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX  Please correct/update this inaccurate information on my credit report. 11. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX Delete this account. 12. there is some inaccurate information reporting. DEPTEDXXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 13. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 14. there is some inaccurate information reportingXXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 15. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX  The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX 20. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX  21. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX Delete this account.
Complaint sub-issue: Their investigation did not fix an error on your report

I wrote to this company disputing some account that was fraudulently opened and reported on my credit report. I wrote a letter to this company dated XX/XX/XXXX2017.  For some reasons, this credit repository did not conduct a proper investigation and did not remove the fraud accounts resulted from ID theft. Attached is a copy of the police report I filed and the FTC affidavit I had Notarized. I am a victim of ID theft and did not benefit in any way from any of this account.