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

I used XXXX XXXX to book accommodations in XXXX XXXX XX/XX/XXXX thru XX/XX/2020. Due to Covid shutdowns in my home state Illinois which began prior to arrival XX/XX/2020 and Louisiana which began XX/XX/2020 I was unable to travel, also this was in accordance with CDC Federal guidelines. Also my cancellation which was made on XX/XX/2020 and I asked for a refund and received an email indicating I would be refunded in full. I used 2 credit cards and did receive full refund on the amount charged on one card, but did not receive a full refund on the second. According to XXXX XXXX policy I am due a full refund. The policy states if booked before XX/XX/XXXX, I booked on XX/XX/XXXX, and travel thru XX/XX/2020, I would receive a refund in full, and the email I received also states the same. I received partial refund of {$59.00} when it should have been {$300.00}. I disputed this with Citibank Visa, who issued a temporary credit, but now have been told by them the refund would only be {$59.00} take it or leave it. I need your help to receive a full refund from them.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have over 21 credit inquiries on my report that are false, I did not authorize these inquiries, this has been an ongoing problem with these reporting agencies for some time now. 

These are the inquiries that are falsely reporting on my report : XXXX 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX  5. XXXX 6. XXXX XXXX  7. XXXX  8. XXXX XXXX 9. XXXX XXXX 10. XXXX 11. XXXX 12. XXXX XXXX 13. XXXX XXXX  14. XXXX XXXX 15. XXXX  16. XXXX XXXX 17. XXXX  18. XXXX XXXX XXXX  19.XXXX XXXX 20. XXXX XXXX 21. XXXX XXXX  XXXX 22. XXXX XXXX  23. XXXX XXXX XXXX  24. XXXX XXXX 25. XXXX XXXX XXXX 26.XXXX XXXX XXXX 27. XXXX XXXX 28. XXXX XXXX XXXX  29. XXXX XXXX XXXX 30. XXXX XXXX  XXXX. 
31. XXXX  32. XXXX XXXX 33. XXXX 34. XXXX XXXX EQUIFAX 35. XXXX XXXX XXXX XXXX 36. XXXX XXXX XXXX. 
37. XXXX 38. XXXX XXXX XXXX  39. XXXX XXXX 40. XXXX XXXX 41. XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax enclosed is statement of fact, you Equifax has contacted XXXX 20 time for verification { there own omission to CFPB and they verified each time BUT they do not own the account XXXX is owner. XXXX statement enclosed remove from credit report. that is all the evidence need to take this to the next level both XXXX and XXXX made these statement to CFPB on record, Remove the account of I will contact XXXX and XXXX who has a beef with you already, Ill send every document to them XXXX, CFPB OCC FTC ATTNY GEN of CALF and request a investigation on behalf of the american people in to your reporting practice I do have a clear cut case I will present to them please remove account as per request of XXXX do not respond with you templete letter we investigated came back verified because the minute i see that, A package will get mailed to the congress and the house with all documents income and out going Bet XXXX and XXXX would love this
Complaint sub-issue: Problem lowering your monthly payments

I have been paying {$5.00} per month for my federal student loans forever. Today, I received a bill for {$100.00}. This amount will be taken out of my account as I have recently had direct debit with my bank and XXXX XXXX and before that it was another servicing company, XXXX XXXX. They both tricked me into getting my bank info thinking I would not be late on a financial hardship loan payment ever again. 
I barely live paycheck to paycheck, I pay all my bills but this one I can not afford! They tricked me! I want to cancel my bank information but they have not gotten back to me.
Complaint sub-issue: Information belongs to someone else

Victim of identity theft, fraudulent accounts appear on my credit report already disputed. Wish to use this as a formal statement to have removed.
Complaint sub-issue: Information belongs to someone else

Dates XX/XX/2020 and amount {$5500.00}. amount {$4500.00}, amount {$4300.00}, amount {$2800.00}, {$2700.00}, {$2700.00}, {$2700.00} and {$2000.00}. 

This account was an unauthorized account, I have sent letters to the company stating that the account was not mine. I demanded proof of my signature for the alleged agreement and the company did not respond to me. I sent 5 letter since 2020 to the company. There are laws stating that the company can not demand money of payment from me when account is unathorized. I have also made a police report while they still ignore me and this issue is hurtingn me as a citizcens.
Complaint sub-issue: Other problem getting your report or credit score

I went online at XXXX XXXX to check out some information on a refinance loan. The next day they called me and took some info I asked them not to run a hard credit check. Apparently they did and could not get any of my scores I talked to them for no more then five minutes and received no info on a loan. All that happened was a hard search is now all on three credit agencies I called to have them removed ( I was on hold for a total of 2 1/2 hrs ) between the three and neither would remove this one hard search. Not to mention how rude they were. I just want it removed. I didn't ask for the search and didn't get it even if I did. Nobody should b treated the way these companies treated me. This was on XX/XX/XXXX at XXXX. XXXX XXXX called and I was on the phone asking for it to be removed till XXXX it took 10 min to appear on XXXX XXXX and now it might be there for 2yrs, a five min mistake. please help. P.S. my credit isn't bad I just want to keep it that way.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights.

15 U.S.C. 1681 section 602 A. 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.
Complaint sub-issue: Account information incorrect

I recently paid off XXXX in credit card debt, 5 weeks ago. My credit report still states an 83 % usage of rotating credit. This is incorrect, the time it takes for agencies to improve your score after paying debt off, is far longer than usage impacts your credit score. This is unfair and wrong, how long will it take for my credit score to be reflective of my good credit???
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, Broker/Realtor, XXXX : XXXX The above mentioned company has listed a fraudulent debt with collection agency SARMA ( XXXX XXXX Retail Merchants ) on all three credit bureaus. I have been trying for over 30 days to get them to remove fraudulent debt and have sent letter to SARMA to provide a copy of the NSF check they are reporting, which when contacted by credit bureaus have changed to a loan of {$2000.00}. I have NEVER written a check to that company, I have NEVER entered into contract with XXXX  XXXX XXXX. Every time I " dispute '' via Credit Bureaus SARMAXXXX XXXX XXXX changes type of debt. They have yet to provide any time of proof for an NSF check or coy of an executed contract to date. These people are clearly conducting illegal and fraudulent business in XXXX XXXX. 

There are plenty of complaints from people throughout XXXX XXXX who are dealing with these people via HUD Section 8 housing, but because they have over 200 homes within the system ... all complaints fall on deaf ears. ( I was not within this program, and have NEVER conducted business with XXXX XXXXXXXX XXXX. ) XXXX XXXX, Broker/Realtor, # XXXX, Telephone XXXX, Email : XXXX, Website : XXXX : XXXX
Complaint sub-issue: Deposits and withdrawals

XX/XX/2022 I mad a ATM deposit on a check for XXXX XXXX at US BANK in XXXX Az. The bank only made XXXX of it available to me. I took out XXXX which caused a overdraft of XXXX I also had enough money to cover the additional XXXX with the XXXX? The check is being held until the XXXX of XXXX and will be available on the XXXX. I have received no letter thru email or postal mail telling explaining as to why this is occurring. I have spoken to US BANK ON SEVERAL OCCASSIONS SEVEAL TIMES A DAY THIS LAST WEEK XX/XX/XXXX AND THIS WEEK XX/XX/XXXX. I have also requested in person on the phone and in writing to CLOSE MY ACCOUNT. THE US BANK REFUSES TO CLOSE IT DUE TO A NEGATIVE BALANCE BUT I HAVE A POSITIVE BALANCE THEY WONT RELEASE.
Complaint sub-issue: Information belongs to someone else

I noticed an account that is fraudulent thats on my credit report XXXX XXXXXXXX XXXX account with an amount of {$9800.00}
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX charged me {$810.00} for a item I never received and it is still on my credit report from XXXX and other Credit Agencies 2 months later I've made several phone calls to the reporting Credit Agencies also to XXXX XXXX corrected that are on that end yet XXXX and other Credit Agencies I still reporting inaccurate information after I told him over and over again that balance was incorrect they didn't investigate him and said it was accurate two or three times this is absurd legal actions need to be taken
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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: Problem during payment process

on XX/XX/2021, I accidentally didn't have the amount of money in my XXXXXXXX XXXX  account to pay the automatic billing I set up for the statement balance ( {$830.00} ) of my Citi Costco credit card. I then contacted Citi customer service via chat on XX/XX/2021. With their help, I coordinated a manual payment to make up for the failed payment on XX/XX/2021. The customer service representative confirmed that I was taking the right steps to fix this issue. However, on XX/XX/2021, I noticed that Citi attempted to charge me for both the manual payment, and had the automatic repayment try to re-charge me again. This resulted in having {$830.00} taken from the checking account on XX/XX/2021, and a second and third attempt to extract another {$830.00} on XX/XX/2021 and XX/XX/2021. These XXXX attempts failed, causing {$25.00} each in overdraft fees. I spoke to Citi on XX/XX/2021 about this and they only told me that they failed to get payment on XX/XX/2021, implying XXXXXXXX XXXX failed to pay them. I checked with XXXXXXXX XXXX  and confirmed that they did pay Citi. Citi did not tell me at this time that they were charging me twice. They also told me that the statement was paid and they would no longer attempt to charge my account. They then attempted to extract the second payment again on XX/XX/2021, this time successfully drawing {$830.00} from my account, in contradiction to their previous statement that they would stop charging my account. The end result was that Citi charged me for the same amount twice, and this unexpected charge led to {$50.00} total in overdraft fees. They also took {$830.00} from my account that I had not planned on giving them at that time. They then proceeded to deny me reimbursement for their mistake and told me that the fees were from XXXXXXXX XXXX and they could not reimburse me for those. They also deflected on returning the {$830.00} they took from me, until I ultimately conceded to allow them to apply it to my next credit card payment. They did not take responsibility for the double charging, even though I followed a procedure I specifically asked them was okay. They denied reimbursement for their mistakes. They denied make mistakes, and shifted blame onto me when I was specifically following a procedure I had verified with them to handle my failed payment on XX/XX/2021. Their customer service was outrageous at times constantly shifting blame onto me and XXXXXXXX XXXX I was extremely dissatisfied with how Citi handled these issues. Citi also did not allow me to get chat transcripts of my conversations with their customer service, I was only able to get them by copy and paste, which was annoying.
Complaint sub-issue: Problem getting report or credit score

Several years ago our mortgage was sold and when the information was exchanged between the XXXX companies my social security number was written wrong by XXXX digit. I did n't find out until years later and in that time all of the reporting agencies changed my number. I do not feel this is my error and there should be record of a number variation in each of their systems. Why do I have to prove who I am when they are the ones who changed the reporting information and what happened to my social security number whose name is now assigned to it that it would n't recognize both of them.
Complaint sub-issue: Information belongs to someone else

Wrong, Inaccurate, Fraudulent accounts reporting on my account.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I am XXXX. My ex- assistant began going in my purse and stealing my XXXX XXXX American Express , other credit cards and she forged two XXXX XXXX XXXX checks. I didn't know who it was but I kept reporting it and getting a new XXXX XXXX American Express along with the other cards. Finally when she ran out of all of my money because the companies stopped refunding the money that was stolen, she quit. I have email documentation of her admitting to stealing money from me. Then I received the first forged check in her name. That's when I knew I could report it to the police and open up a case, so I did. They said they were going to charge her with XXXX XXXX..I would ask XXXX XXXX American Express to send me all the paperwork of the dates she was working for me so I could Circle what she stole and they kept sending me the wrong paperwork. Finally when I got the right paperwork they had already closed down my card. They re-opened it once but I simply couldn't make the payments they asked for they closed it for good. They wouldn't work with me in any payment plan. Knowing my condition and situation, I believe they should have. Not even the hardships department cared. I would still try to Circle all the dates and the money she stole from me but I have to go to the doctor every single day and I need my current assistant to help with the paperwork because of my XXXX. We simply didn't have time to fill out all the paperwork because I have so many health related things going on. Everything became so overwhelming! Still the police report was started and I did know who the person was who stole from me. As a XXXX person that can not do anything on my own. I don't know how to get this resolved. I need serious help. This woman has stolen thousands and thousands of dollars from me. She has also stolen other money from me that doesn't relate to this card.. I don't know what to do. I need hardships to work with me. I can barely afford anything but I can pay small amounts if they just work with me. Thank you very much. XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I sent this letter to all 3 Major Credit Bureaus on XX/XX/XXXX requesting an investigation for several inaccurate reporting on the Date of last activity date, High credit amount, date of last payment, last reported date are all inaccurate from one Bureau to another. This is affecting my credit score and my ability to make major purchases. 


To Whom This May Concern After recently reviewing my credit report I noticed several inconsistencies regarding account ( XXXX/ Acct # XXXX ) on the date of the last activity section. XXXX is reporting a date of last activity XXXX, XXXX is reporting a date of last activity XXXX and Equifax is reporting a date of last activity of XXXX. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE this erroneous item immediately. Below you will find a screenshot of the account. 
XXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Unsecured loan Unsecured loan Unsecured loan Bureau Code : Joint Joint Joint Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$21000.00} {$21000.00} {$21000.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$25000.00} {$25000.00} {$21000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$21000.00} {$21000.00} {$21000.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Unpaid balance reported Charged off account Profit and loss write-off as a loss by the credit Unsecured grantor Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Complaint sub-issue: Funds not handled or disbursed as instructed

Good afternoon, my account was blocked at first. Never had the chance to use. Ive been trying to reach the bank for over two weeks. On the phone for hours. Today finally I got to talk to someone in maintenance team. She and her supervisor took a half hour to review the account. Once she got back she told me they couldnt service me anymore because of the check they had voided which is not % 100 my fault. Now the account as a positive balance they went ahead and close with the only balance I have to get something to eat and gas. It was XXXX from my dad and my brother straight to the account. They werent being nice and theyre no help whatsoever. Im very dissatisfied with there service. Maintenance team was really telling me there are no money in the account that I was looking at. Thats why I was on the phone for an XX/XX/12 for this treatment.
Complaint sub-issue: Information belongs to someone else

Hi, CFPB I have a problem and believe that my personal and business info may be stolen and I want to get protected 1 ) Today someone tried to change login information and my phone numbers in the online banking with banks : XXXX XXXX, Citi, XXXX and maybe others They have changed my email and phone number to their ( fraud ) My email XXXX Name XXXX XXXX My company : XXXX XXXX XXXX EIN : XXXX We have fixed the login information, but I afraid they have access to my personal info and SSN and need your help. 

2 ) Today I have checked my credit reports XXXX and XXXX  and have found Hard inquiries that I never gave permissions and I afraid that this info may be stolen as well Here is details : XXXX   report : Date : XX/XX/2020 - XXXX  Mtg Date : XX/XX/2020 - Am Rent XXXX  report : Date : XX/XX/2020 - Citibank Na Date : XX/XX/2020 - XXXX  Mortgage Ser I need your help to fix that 3 ) Also, under my business XXXX XXXX XXXX  ( EIN XXXX ) XXXX XXXX XXXXdo I have 7 opened loans but in fact I have just 1 with sellersfunding currently I want to remove others
Complaint sub-issue: Problem using a debit or ATM card

XX/XX/2019 I opened a dispute with cash app company for 3 transactions, {$49.00}, {$110.00}, {$61.00} I received a response from cash app company asking for more information and if I contacted the merchant to request a refund, I responded XX/XX/2019. I was issued a refund of {$49.00}, 2 transactions have not been received. I have been emailing cash app every day or other day asking about my 2 transactions, I received a email XX/XX/2019 asking me to submit the exact same information already submitted over 30 days ago. This is unacceptable I want my money immediately.
Complaint sub-issue: Inadequate help over the phone

Credit reporting agency did not delete collection information and inquiries creditors agreed to delete from my credit profile they refused my request to update my credit profile to reflect correct information. 

Collections 1.XXXX 2. XXXX 3.XXXX 4. XXXX 1.XXXX 2.XXXX 3.XXXX 4.XXXX 5XXXX XXXX 6.XXXX XXXX XXXX 7.XXXX XXXX XXXX 8.XXXX 9.XXXX 10 . XXXX 11XXXX 12.XXXX 13.XXXX 14.XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

In XX/XX/XXXX when hurricane hit I opted for the 3 month forbearance. Was informed the payments would roll to end of loan and resume normal payments in XX/XX/XXXX. I called to make my payment in XX/XX/XXXX and was told that no that's not an option I had to pay amount in full. When I agreed that that wasn't agreement the stated I had to go through loss litigation now to fix this problem. I was told that it wouldn't be reported to my credit. Well it was. I have called and emailed and every time I get a different answer or no response. I also called to make a payment and they refused to take my payment. I have multiple hours of phone calls and emails begging to get this resolved. I have sold this home and now can't get a mortgage due to this. I have been told per The money source that they have multiple people with the same problem. I have also been told due to fact I have FHA mortgage that the payments can't be added to end. I am at a loss with this company and how to fix this problem and remove this from my credit. It shows 90-120 late with disaster forbearance yet no payments behind. I was told to contact you since I am getting no where with this company.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I pulled up my credit report and saw all of these unauthorized inquiries. I did not apply for employment with an of these organization nor did I request credit from any of these organization. Please Remove from my report. 


XXXX XXXX  XX/XX/2018 XXXX XX/XX/2018 XXXX XXXX XXXX XXXXXX/XX/2018XXXX XXXX  XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX  XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX   XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX  XX/XX/2018 XXXX XXXX XXXXXX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXXXX/XX/2018 XXXX XXXX XXXX  XX/XX/2018
Complaint sub-issue: Public record

Under " POTENTIALLY NEGATIVE INFORMATION - PUBLIC RECORDS '' I discovered Equifax is showing a tax lien of {$2100.00} on my account since 2014. I wrote them XXXX indicating I have no liens on my home, and when I contacted the County they confirmed no liens. Further to that I have never paid a cent on any liens, and the house was sold XXXX this year with a title search. No other credit reporting agency has this info but Equifax. Please intervene and have them remove otherwise I will sue them, which I indicated to them earlier if they did n't fix it. 

Also under " POTENTIALLY NEGATIVE INFORMATION - NEGATIVE ACCOUNTS ''. They keep showing XXXX. I owe XXXX XXXX XXXX dollars as their account was paid in full. I paid XXXX dollars to XXXX to clear the account, and they themselves cleared the error. Of the XXXX reporting agencies -- - Equifax again shows this as negative on my report. They need to have it removed. 

I am very careful with my credit report, and understand how essential a role it plays in financial transactions. I take the time to pay my obligations on time. Equifax needs to take the time to ensure they investigate properly and not maintain error 's on individual reports, especially when asked repeatedly to remove. It appears the only way to send messages loud and clear is to use attorneys to sue so these " invincible '' monsters can be reduced back to credible institutions.