Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$21000.00}, {$42000.00}, {$22000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXand the subsequent response received onXX/XX/XXXXenclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 

-- PERSONAL ACCOUNT -- 2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$42000.00} -This is not my account. 


-- COLLECTION ACCOUNT -- 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account.
Complaint sub-issue: Card was charged for something you did not purchase with the card

XX/XX/2021 : Was out to dinner and my XXXX debit card was declined. I called Citibank to find out and they said there was a charge for {$4900.00}. This is more than what I had in my account. I was told the charge was made with my XXXX debit card number from XXXX XXXX XXXX. I told them I did not authorize this, and it was not me who made the charge. I disputed the charges, and they closed the XXXX debit card and said they would send a new one out. At this point the charge for {$4900.00} was PENDING. 

XX/XX/2021 : The unauthorized charge for {$4900.00} POSTED to my account. Citibank did not stop the charge even though they knew it was not authorized. What wasnt covered by what was in my account went into overdraft protection. I now have {$4200.00} on my overdraft. 
I filed a police report on XX/XX/XXXX. I've disputed this twice with the Citibank fraud line and each time they respond that I am responsible for the charges. I went into a branch a month ago and have been trying to dispute this with a branch banker. I call weekly and I'm told they're still investigating. 

Both myself and the local police officer have been calling XXXXXXXX XXXX XXXXt. They answered once and told the officer that they had been 'hacked ' and were refunding and would refund me. That never happened. Now when the officer calls, or I try to call... they either don't answer or they pick up and put me on hold immediately, we're ghosted. 

If you search on the Secretary of State North Carolina for " XXXXXXXX XXXX XXXX  '' you will see that the owner, XXXX XXXX XXXX actually owns several cabinet door companies ( and other wood working businesses ) and he's been reported to the XXXX. Last I checked he had five active LLCs and six dissolved LLCs. Reading reviews, his company frequently puts fraudulent charges on people 's credit cards and then tells them to complain to the credit card companies. In XX/XX/2021 placed a small order a cabinet door and drawer front from a company called " XXXX XXXX XXXX, '' which is registered through an agent but the filing address is the same and after researching, I discovered it's one of the many companies XXXX XXXX XXXX owns. His company held onto my debit card number for over 9 months and then put a fraudulent charge on it through one of his other companies ( XXXXXXXX XXXX XXXX  ). When I read reviews for some of the companies XXXX XXXX XXXX owns, I discovered there are others out there that had the same thing happen to them. 

This is criminal activity and nobody is stopping them. Citibank is not giving me the protection I am entitled to under the Electronic Funds Transfer Act that covers when there is unauthorized use of a debit card and the bank is notified within 2 business days. In my case, I notified the bank the same day the fraudulent charge was made ... before it even posted. It's been over two months.
Complaint sub-issue: Their investigation did not fix an error on your report

I had an account with the XXXX XXXX XXXX ( XXXX XXXX XXXX ) that was sold to a creditor XXXX XXXX XXXX for delinquency. On XX/XX/2020 I paid the debt in full to XXXX XXXX XXXX with the guarantee in writing from them that on XX/XX/2020 the account would be deleted from all three of my credit reports. This account has not been deleted and is still showing delinquent on my credit report. I filed a complaint with the XXXX XXXX XXXX in which XXXX XXXX   stated that they requested that this account be deleted from my credit report. This account has not been deleted and is damaging my credit. I submitted multiple disputed to all three bureaus and every time they reply back after an investigation saying that the debt/account will remain even after I provide then with the documents from the company stating that the debt is paid and it should be removed, along with the complaint letter from the XXXX XXXX XXXX.
Complaint sub-issue: Reporting company used your report improperly

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX, XXXX OF XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Information belongs to someone else

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately. 

XXXX XXXX {$1500.00} XXXX XXXX {$1200.00} XXXX XXXX {$3300.00} XXXX XXXX {$710.00} XXXX  XXXX {$410.00} XXXX XXXX {$1500.00} XXXX {$500.00} XXXXBANKRUPTCYDISCHARGED XXXX
Complaint sub-issue: Account status incorrect

DEPARTMENT OF EDUCATION IS REPORTING INACCURATE INFORMATION TOE XXXX, XXXX, ANE EQUIFAX THAT IM PAYING ON STUDENT LOANS IN WHICH IM NOT AND IS NOT IN SCHOOL.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have tried to fix this issue with each credit bureau, XXXX, XXXX and Equifax for sometime now. I disputed these fraudulent inquiries from my reports and have even sent them an FTC as they each requested listing the inaccurate information and they are refusing to remove the inquiries. It is illegal for them to report inaccurate information on a consumers reports and I am demanding that they delete all of the fraudulent inquiries from my credit report. I have also attached my FTC below.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Ive just received my credit report and noticed unauthorized items that shouldn't be reporting to my credit profile
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I was paying payments for a trip through cash app. I paid {$100.00} XX/XX/XXXX, XX/XX/XXXX {$260.00},, XX/XX/XXXX {$260.00}, and XX/XX/XXXX {$260.00}. I was told my trip was confirmed. Then she said it was cancel and they gave us a better deal. Today I called XXXX  and was told flight was canceled XXXX received full refund. She never told me I was refunded. Today I asked her about it and she said the flight was still on. I asked for my ticket number and she can not confirm it. Then she text and said she will confirm Sunday. Cash app and my bank ( XXXX XXXX ) will not help
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

EQUIFAX Dropped my fios score 12 points saying i have closed my XXXX account, i never closed account they have already replaced the card, every time i try to file a dispute with equifax they state they can not find my file, this has happened several times.I want to know why.
Complaint sub-issue: Didn't receive services that were advertised

deciding to close my Credit Karma account do to misleading approval guarantees in which derailed my credit building efforts with XXXX non- approvals and XXXX hard inquiries, while being alured to apply with excellent approval odds XXXX offers claimed 99 % approval and the other was 98 %. all three were denied for the same reason. a public record or judgement. trusting Credit Karma ( CK ) and knowing they were also aware of such reason for rejection. I put my faith in they knew more then i did about credit approvals. my score dropped over XXXX points I lost my ability to purchase a car, a house or most importantly need health care. all before inflation begun. I had to switch cell phone company including my phone number when i go to close my account at CK I stuck unable to do so as the sent verification code to old phone number and in the help section on how to change phone numbers there is no reference to confirming change of phone numbers you must have both phone lines active and available. Who dose this CK pay to phone bill. now only way to move forward i have to send them a picture of my Dl or ID. how unsecure is that for me i didn't have to show ID to open account I didn't have to show ID on any action ever taken with them and i sure the heck didn't have to go through such degrading steps to change my number at my other XXXX account i have. yes XXXX very angry with Credit Karmas customer service tactics.
Complaint sub-issue: Information belongs to someone else

Have filed multiple different disputes with Equifax for an account on my credit with XXXX XXXX XXXX that was opened under fraud. Each time there is no resolution, the account continues to show up on my report causing me to lose time by filing disputes and delay any credit related purchases that I may have. XXXX and XXXX have both already removed the account without delay. Complaints have already been filed with the FTC and Equifax still will not take action.
Complaint sub-issue: Reporting company used your report improperly

The company reported charge off on credit report. I was never late on the account I tried numerous times to pay account off with representatives on the phone but they kept refusing my payment on the phone kept getting runarounds.Did not know the account was on credit report.The company does not have working phone number district manager was was confused with the corporate office why they were refusing my payment.This needs to be removed from all 3 bureaus because account was never in collections I was actually paid a ahead.Ref
Complaint sub-issue: Was not notified of investigation status or results

I have sent a request to XXXX, Equifax, and I can not submit a dispute with XXXX ( due to always having error of submission for the past week ), a request under section 609 ( c ) of the fair credit reporting act to send me XXXX a copy of the original contract that I have signed from the creditors. I have not been able to complete any dispute with XXXX, they always seem to have problems with completing any type of dispute. XXXX is only doing what they like to do, which is submitting a request to verify if the account is accurate and coming back with the same message. I did not ask any of these credit agencies to verify with the so-called creditors, I AM ASKING THE CREDIT REPORTING AGENCIES XXXX XXXX AND EQUIFAX TO SEND ME THE ORIGINAL CONTRACT THAT I SIGNED WITH THE CREDITOR THAT YOU AS A COMPANY REQUIRED TO HAVE IN YOUR DATABASE ACCORDING TO FCRA SECTION 609 ( c ). IF YOU ARE CLAIMING THAT THESE ACCOUNTS ARE VERIFIED AND ACCURATE, BY LAW YOU ARE REQUIRED TO POSSES A COPY OF THAT CONTRACT.

I AM REQUESTING FOR THE CREDIT REPORTING AGENCIES TO SEND ME THE ORINIGAL CONTRACT UNDER FCRA SECTION 609 ( c ) from your database system.

I am requesting for proof THAT YOU ACTUALLY VERIFEID EACH ACCOUNT according to FCRA SECTION 609 ( A ) ( 1 ) ( A )
Complaint sub-issue: Investigation took more than 30 days

I have disputed hard inquiries on my credit report that I did not authorize and did not receive a response or correction from neither of the Credit Agencies. 

XXXX hard inquiries are XXXX XXXX XXXX -- -- - Dispute letter was sent out XXXX XXXX, XXXX Inquiry date : XXXX XXXX, XXXX DT Credit. -- -- -- -- - Dispute letter was sent out XXXX XXXX, XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX -- -- - Dispute letter was sent out XXXX XXXX, XXXX Inquiry date : XXXX XXXX, XXXX XXXX -- -- - Dispute letters were sent out XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX, XXXX. 

Inquiry date : XXXX XXXX, XXXX XXXX hard Inquiries are XXXX XXXX -- -- -- -- - Dispute letters were sent out on XXXX XXXX, XXXX and XXXX XXXX XXXX. I received a notice from " XXXX XXXX '' saying that there is no account-related inquiries or application on file but yet they have not deleted this inquiry on my credit report. 
Inquiry date : XXXX XXXX, XXXX Net Credit -- -- -- -- - Dispute letter was sent out XXXX XXXX, XXXX Inquiry date : XXXX XXXX, XXXX XXXX
Complaint sub-issue: Investigation took too long

XXXX XXXX, XXXX Equifax Information Services LLC To Whom It May Concern : Thanks for the help in correcting some of the adverse information previously reported on my credit report. At the moment I still have some pending accounts, on my credit report, that still need to be fixed. This is why I 'm still disputing the following items : XXXX XXXX I strictly recommend you to start an investigation about the prior delinquency date, creditors name, opening date and type of this account, It seems inconsistent, so do so or simply remove it from my credit history. XXXX XXXX I truly believe that you are committing an error on the account type and status, examine this situation or erase this negative information XXXX XXXX Bank XXXX XXXX Verify and certify the accuracy of this late payment, I really do not know why it is here, so please do so and make the corrections as needed. XXXX XXXX I request from you the confirmation of this collection account, I believe it has been reported by mistake, if so please provide me the whole documentation about it, or otherwise just delete it. XXXX XXXX I know for sure that people make mistakes all the time, and I believe this is XXXX of this occasions, because I have found some late payments that I believe are being reported incorrectly, so expunge all and make it positive. XXXX XXXX This account have information that apparently is incorrect, please verify the status, late payments and terms, and erase them. XXXX XXXX Perform an investigation over this information, I have found somethings that I consider are inconsistent, like the account status, terms, and opening date, If I am correct please proceed to fix it. Incorrect Name XXXX XXXX XXXX Incorrect way to show my name, please remove it and update it to the XXXX appear on my id docs Navient XXXX The status, terms and multiple late payments reported here must be verified carefully, they are showing negative information that could be incorrect and that is hurting negatively my credit history XXXX XXXX Perform a real investigation over this payment history since I 'm not sure about the veracity of these multiple late payments that are showing here, I recommend you to eliminate them and correct the status of this account. XXXX XXXX XXXX XXXX There is a 30 days late payment that I earnestly think is incorrect, so please corroborate this information and fix it. University XXXX XXXX XXXX I feel the monthly payment amount, terms and status should be verified, because I understand they could be incorrect please do your job and correct it. I also need you to please send me the information of whom you contacted during the investigation. 
Great Day! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB : XXXX/XXXX/XXXX SSN : ***********
Complaint sub-issue: Their investigation did not fix an error on your report

I have informed all of the credit agencies that the XXXX XXXX XXXX XXXX Account that the late reporting on my credit file is reporting in error. I was never late on this account. Please help me to get this inaccurate information removed from my credit file.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

This regarding dispute number XXXX. 

The purchase price for this item was {$27.00} on XX/XX/2020. I disputed {$9.00} on XX/XX/2020 due to the item not arriving within the advertised time ( was advertised expedited shipping ). and a permanent credit was issued on XX/XX/2020, although a conditional credit for dispute showed up on my transaction history and my statement. 

The seller agreed to remove the {$9.00} charge if the negative feedback I left was removed. I told her I wasn't removing it because the review was accurate. She then contacted XXXX and they removed the feedback because the item was delivered, even though it clearly was not within the advertised timeframe. The seller clearly had the opportunity to respond to the feedback, apologize for the delay, blame it on the post office, and say she was giving me a refund. She also claimed I didn't pick it up the day before. The post office never tried to deliver it the day before despite the postal history summary ; the package did not need to be signed for. The post office messed up. I have repeatedly tried to contact the post office about this problem through their website and by phone to find out why this wasn't properly delivered and I have not heard back from them. You can reference the tracking number by going to USPS,  XXXX. 

It would have made her look better as a seller than a 100 % positive rating. I'll never believe XXXX 's rating system again. 

She also replied to me through XXXX 's messaging system that my feedback was unfair and was going to be bad karma. I complained to XXXX  about removing my feedback and the seller 's unprofessional comments through messaging, and they apologized and stated they would directly address her behavior. I also filed a XXXX   report against XXXX for removing accurate feedback as well as an attorney general report with the state of California. I have had other issues with XXXX  as well much like this one. Through the XXXX, they also apologized and issued a {$10.00} credit for me to keep shopping with them. All of this is on file with the AG 's office in California. 

I have e-mailed the supporting documentation for the refund to billing disputes on XX/XX/2020. I need Citibank to be clear that this dispute was not coded as mispresented. The seller clearly offered a refund, I had to dispute the item because of her tone ( I was concerned she wasn't going to issue the refund despite the agreement ), and either way, her negative feedback was removed. I literally can not believe she tried to renegotiate a better rating for removing the shipping fee. In addition, she can clearly obtain a refund on the shipping fee through the post office.

Plus, Citibank has been terrible with their dispute process on my account, so I need certainty. 

I am including all supporting documentation. If Citibank needs additional documentation, I will get them what they need.
Complaint sub-issue: Deposits and withdrawals

I had wire fraud on XXXX for amount XXXX from Citi Bank. The Bank said that they cant help me return money. When I spoke on the phone with manager he told me that Citi Bank is not responsible for my money and that I can hire lawyer of my choice to sue the bank. I talk to people in the XXXX branch-no one was able to help me.
Complaint sub-issue: Problem using a debit or ATM card

XX/XX/2020 I called to received statements from PNC, which I been an account holder for 4 yrs plus. Spoke to a very nice representative she verified my address never mention it would be a charge for them to send me out statements for {$210.00}. My account was in the negative at the time when I made this call, so I didn't have the XXXX for the representative to even charge my account, which made my account in the negative and also dealing with another dispute with PNC with another merchant taking money out of my account anyways. The representative should have seen that my account was in the negative and in escalation from a dispute and didn't have the money to charge for the statements. So she took money I never had and didn't make me aware of the amount of the fee. So basically she charge my account without making me aware and took money that was not even in my account to take. 
I called to speak to a supervisor, I spoke to XXXX XXXX he denied and stated that its in the paperwork when I open up my account that its a charge. Then I spoke with a manager XXXX XXXX, she stated she would have asked to see if it was a charge. PNC is not understanding to be able to charge someones account rather you are the bank or just the merchant you have to authorize the amount and also have the amount to charge I did'nt even have the money to take.
Complaint sub-issue: Debt is not yours

XXXX XXXX  has repeatedly sent me to different collection companies for cable boxes that were allegedly not returned. I lived with a roommate and when we parted ways in XXXX of 2017 we went to a XXXX  store in XXXX XXXX and requested a transfer of responsibility to his name. I don't believe they gave us any documentation but i no longer received bills in my name and i believe they began emailing him the bills instead. Also this was 5 years ago so if there were paperwork i wouldnt still have it but they should have record of who they were billing and receiving payment from last. The last time they sent me to collections i successfully disputed it and it was removed from my credit report. I gave XXXX the name and phone number of the person responsible back then why they chose not to follow up i dont know or understand. Since then they recently started a new collections with a different company but never sent me anything in the mail i only found out by monitoring my report with XXXX. I have tried to dispute with XXXX  but they have unjustly sided with XXXX.