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

Hello, I was charged for XXXX for 2 XXXX plane tickets returning from XXXX to XXXX on XX/XX/2020. Due to XXXX XXXX, my plane flight was cancelled, despite me already being in the country. XXXX promised they would book me on another flight home, but unfortunately this never happened & I purchased a new flight home with another airline. 

XXXX told me they would credit this charge, however I have not seen any such credit. I dispute the charge with my credit card provider, Citi Banks, but they rejected the dispute. They rejected this dispute because XXXX showed them a flight manifest from a flight weeks prior as proof that I had boarded the flight. I pointed out to Citi Banks representatives that this was not the flight in question. I also forwarded documentation showing the flight in question was cancelled by XXXX, the merchant. 

On top of this, I purchased trip insurance for XXXX USD which should cover all of this. No luck there either. 

To me, this is a clear case of a merchant being unable to provide the services I paid for. For Citi Banks to accept a flight manifest for a flight that does not even match up with the disputed charge shows some level of incompetency or inefficiency with their dispute process. And for XXXX, to provide this incorrect documentation to Citi bank is just very disingenuous and shady.
Complaint sub-issue: Debt is not yours

In XX/XX/XXXX I was under XXXX  by the florida department of corrections on a XXXX  in florida, I was in the back of a transport vehicle and that night the officer driving must have dozed off because he hit the edges of the railing and the XXXX rocked back and forth violently. I was squished between the metal seats ( while in cuffs ) and another inmate who was larger around 300 lb at least. I was having XXXX XXXX XXXX and the officers did not report the incident. Instead they continued to drive in fear of their own jobs and avoided the situation. I was passed along to another van transport whom was concerned with my health and took me to the XXXX XXXX XXXX XXXX whom is now charging me, but I was A ) in XXXX  up until ( XX/XX/XXXX ) and B ) If anyone is to be charged with this debt it is the police, the department of corrections of Florida.
Complaint sub-issue: Company closed your account

Around XX/XX/2019 - CitiBank closed my 2 personal cards. No explanation was given -- I was told to contact them in writing over the phone and no further assistance was provided. I have paid my balances on time the entire length of my history with them. This is evident in my credit report and high credit score.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

On XX/XX/XXXX, I received a letter in the mail ( from XXXX ) that indicated someone was trying to open an account with my personal information ( it was addressed to my first name and address, but the last name was wrong ). I received one of these letters in XXXX of XXXX and reached out to Equifax, XXXX, and XXXX to freeze my credit. 

This morning, I contacted XXXX and they put notes in the system to deny the application and then I reached out to XXXX, XXXX, and Equifax to ensure that my credit was still frozen as I have not requested the freeze to be lifted and it should be frozen until XXXX of XXXX. I had no issues with XXXX or XXXX  as I was able to confirm my freeze was in good standing. With Equifax, however, after sharing my personal identification information, I was told that I would have to physically mail them my original social security card with a request for information regarding my credit. This is the same company that had a major data breech in XXXX and compromised not only my personal information, but that of millions of people. If I am coming to Equifax to protect myself because someone is trying to use my personal information, if I can identify myself through their 15 minutes of questions and a private PIN number, and am asking them to confirm that my credit is still frozen - not asking to remove it, then they should be able to comply with my request to protect myself. THEY have proven themselves NOT trustworthy and are REQUIRING people send them ORIGINAL GOVERNMENT-ISSUED documents before they will complete a request to protect the public. They are not reliable, they are not trustworthy, don't have the public 's best interest. They, and their practices, need to be investigated.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my credit report, I noticed several fraudulent accounts have be opened using my identity. I did NOT authorize these accounts and I have reached out to all of these collectors asking for anything thing with my wet signature and none of them were able to furnish anything I signed. I have reached out to them THREE times in writing asking them to remove these fraudulent accounts from my report and haven't gotten a response. It have been over 90 days. The fraudulent accounts that I noticed on my report are listed with the amounts, account numbers and name of collector below : XXXX ) XXXX XXXX account XXXX Date Opened : XX/XX/XXXX amount : {$410.00} XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) account number : XXXX Date opened : XX/XX/XXXX amount : {$1500.00} XXXX ) XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) account XXXX XXXX XXXX Date Opened : XX/XX/XXXX amount : {$8200.00} XXXX ) XXXX XXXX account number : XXXX Date Opened : XX/XX/XXXX amount : {$600.00} XXXX ) XXXX XXXX  account number : XXXX date opened : XX/XX/XXXX amount : {$600.00} There were also a stream of inquires that I didn't notice from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX
Complaint sub-issue: Debt was result of identity theft

In  2013  a fraudulent account was opened in my name through  XXXX   XXXX . I have never had  XXXX   XXXX  service only  XXXX   XXXX   XXXX  I spoke with  XXXX   XXXX  and advised of the fraudulent this account was sold to  XXXX  different collection agencies all disputed and removed. Once again this fraudulent account is being reported on my file attached is my records of each removal. I am  XXXX   XXXX   XXXX   XXXX  not  XXXX   XXXX   XXXX  not any other  XXXX . This needs to be permanently deleted and not be able to be applied back to my credit reports over and over again this is damaging to my excellent credit history. I do not o this account.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have been in constant battle back and forth with Equifax for almost 3 years now. they have blocked me from being able to dispute items on my credit report. They have opened investigations and closed that were not submitted by me. They still have the wrong date of birth on my credit report two years after sending them the proper verification of my correct date or birth several times via fax. They currently state that my account is being held by a special handling department in which I can only speak to them. They will not thoroughly investigate items that I did properly dispute, they just update my report with verified but will never ever provide proof of that which they say they verified. They have allowed a creditor to pull a hard copy of my report 9 times within a two month time span and didn't even think that to be strange. XXXX XXXX XXXX pulled a report on my credit without my consent to pull XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019. XXXX XXXX does not have anything signed by me that I gave them permission or even knew they had did this to my credit report this many times. I have tried to get some resolution with Equifax but to no avail. The block was removed 2 years ago when I advised CFPB of what they were doing and now it seems to be placed back on there. It states that I have investigations in process, which I have not called them or talked to them in a while so how can I dispute something that I have no knowledge of.
Complaint sub-issue: Problem using a debit or ATM card

I had 3 unauthorized transactions on my account from an ATM. I informed CashApp the second I found out about them. One was for {$460.00} on XX/XX/XXXX, XXXX the other was for {$300.00} on XX/XX/XXXX, at XXXX and the other was for {$180.00} on XX/XX/XXXX, at XXXX. I did not authorize these transactions, my debit card was canceled as a result and the location said they had video evidence that it was not me performing the transactions but they would only provide that information or video I should say to whoever was investigating it. I told this to CashApp. They refused to investigate and just denied my disputes. I informed them of regulation E sec 205.11 and how it related to unauthorized transactions. They have denied these 5 times. They ignored me and then told me to call the police. But they were the ones accusing me of lying or committing fraud. As I would have to be in order for them to deny these. I have reached out to the over 200 times just be hung up on, ignored and be caught in their passive aggressive refusal to accept responsibility for their actions or lack their of. This company needs to be thoroughly investigated for rights violations and banking fraud. They need to be put out of business for good.they are a prime example of what is wrong with financial institutions today in the United States. Cash app also installed malware on my XXXX which I have proof from XXXX I had to reset my XXXX as a result and it cost me pictures of my XXXX XXXX XXXX that I will never get back. Attached is proof. Look up the doimains they installed the I called them all day. They took over my XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I am victim of identity theft - corporate card was taken out in my name with my SSN, address, and BD. Card was XXXX XXXX credit card. {$24000.00} was charged at XXXX XXXX on XXXX, MO on XXXX Individual paid on fraudulent cad in person and items were delivered to a storage facility in XXXX XXXX, MO. XXXX at XXXX XXXX in XXXX, MO, closed the fraudulent corporate account immediately and filed police report. I filed my own police report on XXXX. I have placed a freeze on my account with all 3 credit bureaus and a fraud alert on XXXX. 

Hard inquiries are still showing up on my account with Equifax. I have tried multiple times to contact XXXXXXXX XXXX regarding disputing these inquiries and have had no luck getting ahold of them. 
XXXX, called XXXX XXXX XXXX XXXX XXXX, held for 20 minutes before disconnecting call XXXX, called XXXX XXXX XXXX XXXX XXXX XXXX held for 20 minutes before disconnecting call, and then called XXXX. Spoke to someone ( didn't get name ) who told me to call XXXX. 
XXXX, called XXXX XXXXXXXX XXXX, XXXX, spoke to XXXX. He was able to locate the application and transferred me to another team and call was disconnected. 
XXXX, called XXXXXXXX XXXX, XXXX, held for 20 minutes before disconnecting the call. 
XXXX, called XXXXXXXX XXXX XXXX, held for 20 minutes before disconnecting call. 

The 2 hard inquiries I am requesting to be removed are : XXXX XXXX XXXX XXXX XX/XX/22 inquiry, XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XX/XX/22 inquiry, XXXX XXXX XXXXXXXX XXXX XXXX XXXX OH XXXX
Complaint sub-issue: Information belongs to someone else

XX/XX/2017 XXXX XXXX XXXX placed an item on my credit report as a collection account for {$460.00}. I have no record or account of this debt owed to this company, nor do I know who this company is. I never received any kind of verification of debt by phone, email or mail. This account is not mine and I would like for the false, erroneous and unverifiable information to be removed from my credit report immediately.
Complaint sub-issue: Account information incorrect

My name is XXXX XXXX XXXX and under the penalty of perjury I attest that all facts to be stated are true. Predatory credit reporting agency XXXX refuses to follow my written instruction for the permissible purpose of the credit report and FILE that this company is furnishing on me which violates 15 USC 1681b ( 2 ) which states " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I have submitted written instructions to XXXX on a number of occasions over the last year and this company refuses to abide by federal law and remove the fraudulent and inaccurate personal information, accounts and inquiries which stemmed from identity theft. I have reported this identity theft and misuse of my information by all the major credit reporting agencies including XXXX, equifax, XXXX, and XXXX as well as all the issuers of the fraudulent reported accounts. XXXX has also failed on a number of occasions to share with me how they have been able to validate these alleged debts that they are reporting on my credit file. What personal interviews did they conduct? What system did they use to validate the debt? Did they submit a form or use electronic means? What was the name and contact information of the people they spoke with to validate the debt? This is fraud and totally violates the fair credit reporting act. The fraudulent inquiries that appear on my account are a clear display of how XXXX is violating my consumer rights by selling and sharing my personal information and credit file with third parties that I did not initiate or authorize. Can XXXX  explain why these companies were able to access my credit file without my prior consent? This is a blatant act of identity theft which is punishable by law both civilly and criminally. Furthermore the FCRA was created for the purpose of enforcing credit reporting agencies to report accurate and fair information and XXXX is doing the complete opposite. I have attached a 3 credit bureau report which clearly shows that XXXX equifax, and XXXX are all reporting different, inaccurate, and fraudulent information on all 3 credit files pertaining to the same consumer, accounts, and inquiries. This is illegal! This is theft! This is punishable by law and will be pursued in a court of law if these accounts, incorrect personal information, and inquiries are not removed upon the receipt of this complaint. Please see all attached documents to support my complaint. I have faxed this information to XXXX but have yet to receive a response. Please find attached : 1. Letter sent to XXXX 2. proof of identification 3. US Dept of Justice complaint 4. Federal Trade Commission Identity theft complaint 5. copy of 3 bureau credit report displaying inaccurate reporting of information by all 3 major credit bureaus
Complaint sub-issue: Their investigation did not fix an error on your report

I have new and updated information concerning Equifax. Equifax has published a consumer report about me for an impermissible purpose ; but yet, claims they can not identify me, in which case even more reason why Equifax should not be publishing any consumer report when all details have not been verified. Moreover, Equifax has failed to delete items in accordance with my written instructions as the consumer. Equifax is in violation of my rights as a federally protected consumer.
Complaint sub-issue: Problem with personal statement of dispute

As per my request for full VALIDATION OF THE DEBIT submitted through XXXX ( ref no. XXXX ) the JEFFERSON CAPITAL SYSTEMS XXXX XXXX ), the Collection Agency merely stated that it was verified without providing any proof about any of my authorization for the purchases or services. 

I have contacted the credit bureau to VALIDATE the charges as a result of me not having a signed contract with the company. However, the item is still on my credit report. I would like to have this removed from my credit report.by reporting bureaus.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone number ( XXXX ) XXXX all inquires were supposed to not be hard inquires- no I impact to credit.
Complaint sub-issue: Investigation took more than 30 days

I have a ongoing dispute that was file in XX/XX/2017 with XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX. This account was under dispute for several inaccuracies that were never addressed or responded to. I request an another investigation.
Complaint sub-issue: Trouble using the card to spend money in a store or online

I tried to use my " Albert '' prepaid debit card on Thursday XX/XX/XXXX at the gas station. The transaction kept failing. I checked the account funds were/are available however it shows " your card is currently unavailable ''. It usually shows the virtual card however now it doesn't show any information other than my name. 
I have sent text messages, emails, called XXXX XXXX called customer service. You can't speak to anyone about your account, refers you to the app to send email or text. 
My direct deposit goes into this account, I can't buy food, get my medication or pay my rent. No one has responded to me. Please help me with this.
Complaint sub-issue: Account status incorrect

Equifax - Shows 2 Chapter XXXX bankruptcies with 2 different status ( discharged ) dates. One is correct in that our bankruptcy was discharged XX/XX/XXXX and the other is stating the discharge of XX/XX/XXXX. 
I have called several times within the last couple of days ( XX/XX/XXXX ). They are unable to fix anything because they say a dispute can take up to 30 days. The next time I called, they said to fax and it will be verified within 48 hours and that someone will contact me. I called again, they said that it was 48 hours just to process the papers and 30 days to dispute. I then later spoke to a supervisor who told me that the Chapter XXXX bankruptcy does not show 2 different bankruptcies. I asked if they could type a letter stating this information. He told me that he was mailing credit report and I should get it between 7-10 days. I called the next day and they told me that the lender can call the business customer service and I that I had been calling the dispute center. 
I have let them know each time that this is an error on their part ( kindly ) and that if this does not get fixed soon, that my family of XXXX will be homeless because our FHA Loan will not be processed for our new home in XXXX ( we live in XXXX, my husband is working and living in XXXX   while me and the kids live in XXXX right now ). Lender called the business customer service and could not get anything resolved. He spoke to a representative about the situation and they muted him while he spoke. They were very rude. My lender uses XXXX and has shown me the recent credit report that shows Equifax reporting 2 separate Chapter XXXX bankruptcies, both with same filing date but both with 2 different status dates.
Complaint sub-issue: Their investigation did not fix an error on your report

I am a documented ID theft victim of the 2017 data breach from Equifax. I have been trying for 2 years to repair the damage caused from such breach, however, Equifax refuse to comply.
Complaint sub-issue: Debt is not yours

Plus Four Inc. contacted me by mail XX/XX/XXXX by mail and I refused and returned the mail on XX/XX/XXXX as the account was unknown to me. I have previously disputed the account due to Plus Four Inc 's unlawful communication tactics to retrieve the alleged debt. Plus Four Inc. responded on XX/XX/XXXX and erroneously stated that they never received any return mail for this account. This is statement is inaccurate as I have documented proof that I refused and returned any mail received from Plus Four Inc. regarding this account.
Complaint sub-issue: Can't stop withdrawals from your account

I canceled/closed my XXXX account ( checking, investing etc. ) XX/XX/XXXX, proceeding with the following steps and actions instructed on the site. These instructions were concise and pointily. 

I didn't think I would have any issues or occurrences until the following month XX/XX/XXXX, I received my first charge since the withdrawal and closure of my accounts. I proceeded to contact this company in their chat because I could not get through via phone line. 

The communication was that I had one feature turned on inside the app which wasn't simply didn't make sense, but I repeated the steps again and ask for a refund. Afterwards, everything appeared to be resolved, I deleted the app. 

I believe this was XXXX XXXX, I noticed a reoccurring charge on my account of maybe {$3.00}, charging my account. It was so small I hadn't even noticed it until I happened to do a deep dive of my spending for this particular month. I contacted XXXX via phone and ask for a refund. They didn't believe my charges and ask for me to send them an email, but I couldn't understand this because THEY are charging ME. I didn't want to expose my personal account. However, after some research I willing to send documents over to you all. 

They shortchanged me and refunded me the minimum. I had assumed at this point everything was resolved but no! This was wild! XXXX is still stealing money from me. I was still getting charged after about maybe 30-45 days later and again, I did not notice because the increments are so small. As soon as I discovered it this time, I am frustrated and consulted with a lawyer friend about my options. I had to pay to stop all FUTURE XXXX payments. Unfortunately for me, this is not a free service at my bank. 

To put simply, I feel taken advantage of as a consumer and anyone who has partner up with this company withdrawing funds from my accounts ... shame on you. I took every proper step. I can only imagine how many others this company is embezzling ( alleged ) money from by doing this. It is especially not okay for everyday worker. Not only was my mental affected by this, but my finances being also tipped to go negative causing over drafts. My emotional being was attacked because were only trying to do our best and it just wasn't good enough!
Complaint sub-issue: Fees charged for closing account

Commerce Bank sent me a 1099c cancelling debt I DO NOT OWE as my account was compromised years ago and charged off at said time due to fraud someone stole my debit card and used it! I refuse and will defend it vigourusly and am not claiming this on my tax return in that it did NOT occur in 2020 but years before. Shame on Commerce Bank DO NOT use them!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.