Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with customer service

I have a Citi Shop Your Way Sears Mastercard. It is a general purpose credit card specifically tailored to Sears. 

I cancelled a Sears protection plan back in XXXX and I was supposed to receive a refund of {$1200.00} plus tax. I followed up today, XX/XX/2019, after I had still not received the refund check promised only to find out that the refund had been issued to my Shop Your Way card on XX/XX/2019 without my knowledge and with no notice. What is more, during this time ( or recently ) my card apparently was issued a new card number, but no one notified me or even sent me a new card. So I had to sort through that confusion as well. I still do not have a card with the new card number. 

My card had a {$0.00} balance so my money has just been sitting there with a negative balance this entire time ( earning interest no doubt ). It is, I believe, standard practice to eventually cut a check when there is a negative balance on a card for a prolonged period of time ( especially a large balance such as this one ). However, it is clear that there was no plan on the part of Citi/Sears to do this. ( Incidentally, my refund was reduced by {$89.00} plus tax for a home visit to service my refrigerator ; however, this was incorrectly charged, as the visit was covered under the regular 1 year manufacturer 's warranty - Now waiting on Sears to refund this as well, which I presume will also go to my credit card ). 

I have called the card 's customer service phone number three times today at different times. I have held for very long periods of time, and still no answer. 

The final straw is the message I received in the " secure message center '' following my message sent earlier today, in which I requested to receive my funds immediately. The message reads as follows : We received your recent inquiry regarding your account. We are unable to issue a refund at this time. A credit has been issues for an item in dispute. If the dispute is resolved in your favor, then a refund will be processed at that time. Please let us know if we can be of further assistance. 

Obviously, this reply is completely unresponsive to the matter at hand. Since no one answers the phone, I have decided to allow the CFPB the opportunity to issue a directive to one of the major banking institutions in our country, requiring it to be responsive to clients. It needs to have customer service agents who will answer the phones, and it must send clients the money they are entitled to. 

Awaiting your action and reply. 

Sincerely, XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I contacted XXXX 's about my account not being credited, I was advised by the credit department that they would find out why my account was not credited for the return and make contact with me. This was in XX/XX/2014, I checked my credit report last year and noticed the collection and began filing disputes. 
I submitted two disputes through XXXX, XXXX  and Equifax reference to a creditor XXXX XXXX XXXX XXXX XXXX, WI XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify- through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. This account was closed due to the item ( XXXX ) was returned to the company back in XX/XX/2014 and the Account was never credited, as a matter of fact the XXXX   amount was {$350.00} and this company is still showing a past due amount of {$120.00}. I demanded verifiable proof from the consumer with my signature on it on what I am being charged and as of this date I have not received anything, only confirmation from XXXX that the company notified them that the account was accurate and has not provided any documentation which a violation of the Fair Credit Reporting Act is, Section 609 ( a ) ( 1 ) ( A ). 
XXXX failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I am requesting that XXXX be investigated. 
Regards, XXXX XXXX.
Complaint sub-issue: Public record information inaccurate

Equifax is reporting to the Credit Grantors old erroneous information to my creditors that is negatively affecting my credit in violation of the FCRA. 

They recently on XX/XX/XXXX sent a notice to XXXX that I had a collection/delinquency when I have no new delinquency or collection since the CHapter XXXX I have is exactly 5 years old since discharged. 

THere is nothing negative on my credit file since the filing on XX/XX/XXXX over 5 years ago. 

They are violating my rights and ruining my credit worthiness and bringing down my credit scores with false and erroneous data.
Complaint sub-issue: Trouble getting, activating, or registering a card

Under the XXXX, I was given a debit card from US Bank onto which my XXXX funds would be placed. On XXXX I noticed XXXX dollars transferred out of my card to someones bank. I filed a dispute and US Bank replaced the card and put money back into my account. Then, after using a new card they had sent, I became locked out of it and could not use it or log in. This was around XXXX. I called US bank and they helped me log in. Apparently my email had been changed to an unknown one to me. There was only XXXX cents left in the account. I filled out a dispute form again, and then they denied my claim. 

I then contacted the Officer of the Comptroller of Currency, that responded by letter, saying that I should be getting a reply from US Bank. US bank then sent me a letter stating that my account had been credited {$19000.00}, exactly the right amount that had been stolen. In order to unlock my account, US Bank needed further proof of my identity, which I provided to them on their own website ( sometime in XXXX ). I have no hard copy of it. After still being locked out, I called on XXXX and the representative said that the web form I had filled out did not exist. That same day, I sent an email with all required documents to XXXX, which was another option to prove my identity. I am still locked out and have not received my replacement card. Although I did get another letter explaining how to prove my identity ( dated XXXX ). I hope you can help me access my funds. 

US Bank rep did say that I could access the account, close it, and have a check sent to me so I could place it in a safer spot, in my bank.
Complaint sub-issue: Reporting company used your report improperly

Today XX/XX/20 Equifax took it upon themselves to add an extended fraud alert to my credit report when I never asked for one. I do not want a fraud alert on my credit report.
Complaint sub-issue: Information belongs to someone else

FTC Violations XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXXXXXX XXXXDOFED Company Inquiries : XXXXXXXX XXXX XXXX
Complaint sub-issue: Personal information incorrect

Please remove the employer, XXXX on my XXXX report, under Employer. I have never worked here. 

Please correct my name, XXXX XXXX XXXX on my Equifax report.
Complaint sub-issue: Problem getting your free annual credit report

Equifax XX/XX/XXXX requested via free annual credit report toll free # XXXX from Equifax. 
XX/XX/XXXX received a letter in mail dated XX/XX/XXXX their records indicate a free copy has been sent within the past 12 month. 
My records indicate the last report I received from equifax was XX/XX/XXXX, 2 years ago. 
XX/XX/XXXX XXXX XXXX ET I called Equifax XXXX I believe XXXX said it was XXXX priority to send me my requested free report except he was asking me questions I do not have the answer to and he wanted me to call back when i did have the answers, like what's my current balance of lenders, what is the min. payment, etc. I pay my bills in full. I don't track current balance or min. payment due. very frustrating. 
XXXX says I've received one in the past 12 months I want Equifax to tell me the date they sent it last, XXXX wouldn't tell me that. I have not requested or received a credit report from XXXX in almost 2 years so who did they send it to? 
I'm almost XXXX yrs old. I do not text I do not want to provide my mobile #. I will provide my home number as I still use a landline.
Complaint sub-issue: Information belongs to someone else

A year ago, I was the victim of identity theft. It took many forms, but one of them entailed fraudsters repeatedly trying to open credit cards in my name. I called every bank to alert them, I reported it to law enforcement and I worked through XXXX to freeze my credit and get free monitoring. I was under the impression I would not need to call ALL THREE bureaus since the banks were aware. Moreover, I signed up for a $ XXXX/mo credit monitoring service that showed the erroneous credit inquiries were gone. Then, after the recent news about the Equifax hack, I logged onto their site to see if I was impacted and freeze my credit report with them. I discovered that despite everything I did, they still have XXXX erroneous hard credit inquiries on file associated with me that were meant to be removed a year ago. 
see : BUREAU DATE CREDIT INQUIRY Equifax XX/XX/16 XXXX XXXX Equifax XX/XX/16 XXXX XXXX Both of the XX/XX/16 inquiries are due to fraud. I have emailed them demanding it be removed but I fear they wo n't be prompt in responding. Further, this should have been done a year ago. I have decided this must be reported to you and I urge you to investigate this, and any other cases where Equifax has failed to remove fraudulent inquiries - especially as there will be many more of these in the near future due to Equifax 's own failings to safeguard our information.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and updated or removed from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

There are accounts listed on my credit file that are fraudulent ... .see list below : XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX # XXXX {$6400.00} XXXX XXXX XXXX XXXX # XXXX {$1200.00} XXXX XXXX XXXX # XXXX {$1700.00} XXXX XXXX XXXX # XXXX {$3000.00} U S DEPT OF ED/XXXX # XXXX {$1800.00} U S DEPT OF ED/XXXX # XXXX {$3200.00} XXXX XXXX XXXX # XXXX {$460.00} XXXX XXXX XXXX # XXXX {$810.00} XXXX XXXX XXXX # XXXX {$250.00} XXXX XXXX XXXX # XXXX {$550.00} Inquiries : XXXX  XX/XX/XXXX XXXX   XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX    XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX # XXXX {$6400.00} XXXX XXXX XXXX XXXX # XXXX {$1200.00} XXXX XXXX XXXX # XXXX {$1700.00} XXXX XXXX XXXX # XXXX {$3000.00} U S DEPT OF ED/XXXX # XXXX {$1800.00} U S DEPT OF ED/XXXX # XXXX {$3200.00} XXXX XXXX # XXXX {$460.00} XXXX XXXX XXXX DBA XXXX  # XXXX {$810.00} XXXX XXXX XXXX XXXX XXXX XXXX # XXXX {$250.00} XXXX XXXX XXXX   # XXXX {$550.00} Inquiries : XXXX  XX/XX/XXXX EQUIFAX XXXX XXXX   XXXX XXXX, GA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers :  XXXX XXXX # XXXX {$6400.00} XXXX XXXX XXXX XXXX  # XXXX {$1200.00} XXXX XXXX XXXX # XXXX {$1700.00} XXXX XXXX XXXX # XXXX {$3000.00} U S DEPT OF ED/XXXX # XXXX {$1800.00} U S DEPT OF ED/XXXX # XXXX {$3200.00} XXXX # XXXX {$460.00} XXXX XXXX DBA XXXX  # XXXX {$810.00} XXXX XXXX XXXX # XXXX-XXXXXXXXXXXX {$250.00} XXXX XXXX # XXXX {$550.00} Inquiries : XXXX/XXXX  XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Was not notified of investigation status or results

I am submitting this complaint on my own behalf. I am submitting this complaint based on new information, regarding a past complaint against Equifax dated XX/XX/2021. Equifax stated in the previous complaint that they would send me investigation results within 60 days. ( see attachments ) The FCRA states that consumer reporting agencies have 30-45 to complete an investigation, verify or the account must be deleted. It has now been 105 days since my complaint and I still have not received anything regarding the investigation from Equifax. I called Equifax and spoke with a rep who told me to file a fraudulent identity theft report with the FTC and local law enforcement in order to have the account deleted. Equifax has broke XXXX XXXX by continuing to report inaccurate information. Trying to resolve this has caused me stress, mental anguish and headaches. I want this account removed from all consumer reports and credit files immediately and permanently or I WILL SEEK AN FCRA ATTORNEY AND FILE A LAWSUIT
Complaint sub-issue: Problem using a debit or ATM card

I submitted to them a claim a dispute the stating that my account had unauthorized use while I was incarcerated. I had possession of my card at all times never gave up the card information, no other authorized users and was not able to make any transactions as I was incarcerated I was asked for proof of incarceration I provided that and also a police reporter was provided they then told me that they're investigation decided that there was no fraudulent activity however the police report did find fraudulent activity of course there was fraudulant activity if I didn't get to spend my money that was in my account they will not resolve the issue
Complaint sub-issue: Card was charged for something you did not purchase with the card

Back in XXXX 2016 my Discover credit card was stolen and it was used up XXXX of dollars. Now I'm trying to get a loan and this negative report is showing up on my credit report. 
I reported it to the police and received a police report. I thought it was dismissed by Discover, but it wasn't. Please help if you can. 

Thank you XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate this accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXXBalance {$0.00}.
Complaint sub-issue: Fee problem

Citi bank has continued to provide fraudulent rude nasty low class customer service. They have charged me for fees that XXXX XXXX who first opened my account lied to me about the terms, they have purposely locked me out of my account even after I provided the correct information, and recently had some bad english speaking rep get on the phone yelling at me telling me I shouldn't have let my account balance get so low then I would not have fees. They charged me a monthly service fee then charged an overdraft fee for that fee. They lied and claimed they didnt have bank phone records of my calls where agents did not accept my verbal passwords nor the agents who refused me to talk to supervisors or hung up. If Citi wants to continue playing games I have already spoken to an attorney I will file a pro se law suit against them and have the records from my phone subpoenaed to then subpoena the exact calls that were made to Citi since they want to play games.
Complaint sub-issue: Account status incorrect

I am displeased with PNC 's response to dispute # XXXX as the information provided by PNC is incorrect. It took PNC several weeks ( fromXX/XX/XXXX until XX/XX/XXXX ) to " produce '' this document that I had never seen before or ever received. Nor was it sent certified mail or tracking to verify receipt. Additional, PNC was only able to " produce '' this document after I reported them to the CFPB. Even after the compliant was filed, it took them almost a month to " produce '' this document. 

Additionally, I have located the original approval letters from PNC showing I was indeed granted a COVID Relief Hardship Deferral onXX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX This disproves their document from XX/XX/XXXX and further substantiates my complaint.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my report. To this day over 60 days later. I have not received a response yet. 
I have written several letters concerning the negative accounts on my report. I never owned any of the accounts listed below. I filed a complaint on XX/XX/2021 with CFBP, still nothing was done to fox the issue. I also filed an Identity Theft report on XX/XX/2021. My report number is XXXX. I sent in all documents along with my police report several times. I sent in proof of my Identity, notarized all my mail. Please delete the account immediately. Section 611 it is plainly stated that a failure to investigation. These items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was also impacted by the Equifax data breach and many have got into the hands of the wrong person.
Complaint sub-issue: Public record

they re fuse to re move new York state of my credit report .that act ben pay off long time a go and they stil re porting it as I hold yhem money.
Complaint sub-issue: Investigation took more than 30 days

THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESES COMPANIES, PLEASE HAVE THESE ITEMS REMOVED FROM MY FILE.
Complaint sub-issue: Reporting company used your report improperly

I am a natural person..I am a living human being.. I have rights under the FCRA, 15 USC 1681. 

Equifax is governed by the 15 USC 1681, and they have violated my consumer rights numerous of times..Not long ago they were giving out fake credit scores, and its been hurting me, it's been hurting my payments, my credit utilization, i have high interest rates because of it and much more.. I demand these accounts listed below to be completely removed from my credit report.. 

According to 15 U.S.C. 1681b, section 604 2 ( a ) of the FCRA, it says a consumer reporting agency may furnish a consumer report with the written instructions of the consumer. I, the consumer, have not given Equifax or any other agency any written consent or instructions, nor have i signed my signature on anything to furnish my consumer report. 

According to 15 U.S.C. 1681 ( a ) ( 3 ) of the FCRA, it says Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

According to 15 U.S.C. 1681 ( a ) ( 4 ) of the FCRA, it says there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

As a consumer, according to the FCRA, my rights have been violated and i've been taken advantage of..The law is the law. We must abide or face severe consequences..Please delete the accounts below from my credit report. 

XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX- Act # XXXX XXXX XXXX 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
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credie Reporting Act XXXX these account below have violated my rights. 

Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : DEPT OF ED/XXXX  Account # : XXXX Account Name : DEPT OF ED/XXXX  Account # : XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX  ) Account # : XXXX Account Name : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX. XXXX ) Account # : XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX  ) Account # : XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX Account # : XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # : XXXX Account Name : U S DEPT OF ED Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX 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