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

I booked two round trip tickets from a travel agent called " XXXX  '' on XX/XX/XXXX. The tickets cost me {$1000.00}. However, the flights were canceled by the airline " XXXX XXXX  '' due to COVID-19 on XX/XX/XXXX. Ever since then, I've been dealing with this travel agent to get my refund for the cancelled flights, no success however, so I opened dispute on the credit card - Citi Business Platinum Select in early XXXX. Dispute ID : XXXX. 

I am entitled for a full refund and have provided all the evidences and documentations to Citi bank. However, the dispute took more than 4 months and during the whole procedure Citi bank dissolved this issue for the merchant favor several times again and again. It's so disappointed that while Citi understands that this travel agent refused to refund for no reason, still they don't stand behind their customer and can not protect customer 's benefits. 

Please see the reasons why I am entitled to get my full refund ( {$1000.00} ) back : First, according to the US Department of Transportation official travel refunds policy, passengers are entitled to refunds of the airline cancelled a flights, regardless of the reason. If a passenger is owed a refund, an airline, travel agent, or online travel agency must process it within 7 business days if the passenger paid by credit card. The link is provided below and webpage PDF is attached https : //www.transportation.gov/individuals/aviation-consumer-protection/refunds Second, the travel agent stated that the Airline is not providing any refund as of now. This is not true. The Airline of the canceled flight is XXXX XXXX. XXXX XXXX  has clear refund policy online : For the involuntary cancelled flights, if no portion of the ticket has been used, the entire paid fare will be refunded. Again, the link of XXXX XXXX online refund policy is provided and the webpage PDF is attached https : XXXX XXXX XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXX Due to COVID, tons of passengers were infected and a lot of us are not getting money back. Because some travel agents act unethically and do not obey market regulations, hopeless customers like me have no choice but to seek for help from credit card company. Its so disappointed that citi bank does not stand behind its customer when there is official travel refunds policy from the US Department of Transportation and the travel agent/merchant stands no ground at all.

Now it's been almost 5 month and I still have not got my money back. Citi has closed my dispute again ( during the past 4 months, my dispute was closed by Citi several times ). Please help. I am hoping to get my refund {$1000.00} back. It's a lot of money to me. It's very appreciated if you can do any help.
Complaint sub-issue: Their investigation did not fix an error on your report

the following accounts have been disputed on these dates for this reason : XXXX, XXXX, Incorrect balance, the date reported, and the account type is inaccurate. 

XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX BANK # XXXX XXXX   XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX Bankruptcy Court # XXXX
Complaint sub-issue: Information belongs to someone else

XXXX is will fully in-complaint to my request to remove items being reported on my credit report due to identity theft
Complaint sub-issue: Information belongs to someone else

In the previous letters I have requested the investigation of the elements that do not coincide and the elimination of them, taking into account the fair credit law, which states that I have the right to be informed of the status of my account and the report of the accounts must be 100 % accurates
Complaint sub-issue: Account information incorrect

Hunter Warfield is a collection agency for XXXX XXXX. XXXX XXXX is a collection agency for XXXX XXXX. My account for XXXX XXXX was held by XXXX XXXX. I contacted Hunter Warfield and spoke with XXXX XXXX who told me that Hunter Warfield no longer had my account and XXXX XXXX did. I asked XXXX to please send a request to the credit bureaus to remove Hunter Warfield from my credit report. XXXX was very rude and told me if I called back, the company would press charges. I called XXXX who agreed to give me letter stating that XXXX XXXX had my account for XXXX XXXX. I paid the account for XXXX XXXX in full including fees to XXXX XXXX. 
Hunter Warfield remains on my credit report and continues to increase the balance biweekly. I would like Hunter Warfield to remove themselves from all 3 of my credit reports as they did not even hold my account and my account is paid in full with another collection agency.
Complaint sub-issue: Information belongs to someone else

I have not signed any contract with either of these companies and furthermore I have NEVER given Equifax written consent to report on my consumer report. 15 USC 1681b ( a ) ( 2 ) clearly states the purpose of a consumer report. I have been disputing these same fraudulent accounts and charges for months with no results. I am writing to delete the following information from my file. I reported the identity theft to the Federal Trade Commission. I have enclosed my FTC report.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I 've been a victim of identity theft in the past. I am still recovering from this and have spent thousands to restore my good credit and my good name. 

Meanwhile, Equifax, a company which has refused to entertain some of my identity theft claims in the past, now, in an egregious act of fiscal irresponsibility, allowed my identity to be stolen AGAIN. 

You ca n't stand against these credit bureaus. They have all the means at their disposal, and they did NOTHING to  safeguard the security of the accounts of millions. Sure. They 're offering a " free '' credit protection as some sort of malarkey recompense, but how reliable is that when it 's being run by the same organization that allowed the private information of millions of customers around the globe to be compromised in the first place? 

And these credit bureaus affect your entire LIFE as an average person. They affect your ability to ever buy a home. They affect your ability to get a loan for your new car or for your education. They can even impact your ability to get a job that pays a decent enough wage to have a debt-free life someday! The fact that they have so much responsibility, and were so careless with it, is an egregious breach of consumer protection justice. 

Equifax needs to hang up its hat, stop messing with the lives of millions of Americans, issue more than a stupid apology and an enrollment in a free " protection ' company run by the same folks who let our identities be stolen in the first place, and stop ruining the lives of millions with their capricious judgments based on nothing but the whims of greedy bankers. They ruin lives for a living, and then they let hackers ruin even more. They need to be out of business. NOW.
Complaint sub-issue: Public record information inaccurate

MY BANKRUPTCY SHOWS THAT IT WILL COME OFF MY RECORD ON XXXX MY BANKRUPTCY STARTED IN XXXX SO IT SHOULD BE DISCHARGED XXXX AND ALSO IT SHOWS 2 SEPERATE BK ON MY REPORT AND ALSO I PAID ALL DEBTORS OF BECAUSE MY BANKRUPTCY BACKFIRED
Complaint sub-issue: Reporting company used your report improperly

The Bankruptcies were reported to the three credit major credit bureaus without my written or verbal consent to do so and put on my credit profile
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. 

XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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.
Complaint sub-issue: Public record information inaccurate

There is a bankruptcy showing in public records that does not belong to me
Complaint sub-issue: Can't temporarily delay making payments

I lost my job due to the Corona Virus Pandemic then broke my XXXX and had an issue with the XXXX and am going through intense Physical Therapy because I can not use my XXXX XXXX. I am right handed and am a XXXX XXXX/ XXXX XXXX/XXXX person and can not find work. This student loan company has been attempting to collect against me since the very beginning of the pandemic. I have told them repeatedly that I have no income yet they have not followed the governments rules since day one of the Pandemic XXXX keep adding interest every month to my loan and will not give me any more forbearance 's due to lack of any income. I am XXXX years old I am on food stamps and barely making it. My parents pay for my electric and cable bill and water bill because I have no income coming in yet they insist I make income based payments with no income coming in.On top of this the school was sued by many students back in the XXXX XXXX when I was a student there but I was to young to sue them. They closed up because of lawsuits because of illegal practices with student loans so I feel like I should not even owe this loan. I can not afford an attorney and need help please. Thank you.
Complaint sub-issue: Their investigation did not fix an error on your report

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Received bad information about your loan

I am on the XXXX program. XXXX has, for 180 days, failed to properly calculate the number of payments I have made on my loans. I have been paying as a XXXX employee since XXXX of 2010, and they are claiming to only have records of the XXXX payments made to them, and are " researching '' the remainder. 

Additionally they are requiring recertification XXXX months ahead of schedule.
Complaint sub-issue: Reporting company used your report improperly

I entered a consumer credit transaction with US DEPT OF ED/GLELSI and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which is false Pursuant to federal law. They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that US DEPT OF ED/GLELSI claim I owe. US DEPT OF ED/GLELSI has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.
Complaint sub-issue: Problem with personal statement of dispute

I submitted a complaint with CFPB about a collection account that I believe is violating my rights. XXXX XXXX has provided incorrect information to the credit bureaus. The information about the debt is innacurate and is hurting my credit. I would like for them to provide me with proof that this debt is accurate. In order to move forward with this I request an original bill or contract that states that this debt is mine. I believe that this account is not mine and I will look forward to resolving this issue. Also according to the Fair credit reporting act section 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. The following account has violated my consumer rights. 


Account : XXXX XXXX Account number : XXXX open balance : {$710.00} Date XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX : XXXX XXXX ) XXXX
Complaint sub-issue: Information belongs to someone else

I am submitting this Complaint regarding the fraudulent information I found on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I sent a letter on XX/XX/XXXX to the Credit Bureaus requesting that they remove Fraudulent accounts that are completely UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any accounts or information not later than 4 business days after the ( date of the Previous letter ) .Ive already included this in my previous Complaint & I am including them again. Below is the list of the fraudulent items I found on my Credi report : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5900.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6300.00XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$400.00} XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$800.00} XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$830.00XXXX XXXX XXXXXXXX Balance : {$63.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Complaint sub-issue: Account opened as a result of fraud

XXXX XXXX sent me a debit card for an account that I did not open. When I asked them when this account was opened, they told me I had to tell them more personal information about myself which I declined. She closed the account. 

Same thing happened with XXXX.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax ( Gon na Add on the next update )
Complaint sub-issue: Account information incorrect

I had Trying Fixing this problem with XXXX  XXXX XXXX numerous times.The problem is still there showing late payment XX/XX/2019 which was error from XXXX  they even waived the late fee because auto payment system error. I have Secure card with XXXX  suppose to get my deposit back after first year along with credit increase that was in the contract.never happened either.
Complaint sub-issue: Other problem getting your report or credit score

These categories on this website do not accurately contain a close match to the reason for my complaint. The reason for complaint is that XXXX  rarely increases my credit score, even when I had my credit utilization done to 2 %, and increased my credit limits. Yet when I use my credit cards, often my score goes down, even with slightest use of one of my cards. It simply does not seem as if my score ever goes up substantially. Not in a long time. This makes no sense to me. Ive complained in the past, to no avail, and only to receive a generic response from XXXX. Calling customer service has been fruitless and unhelpful. It would be great to know why XXXX  simply never raises my credit score, in light of all the hard work I put forth into cleaning up my credit. Even hard pulls on my credit report are supposed to have a lesser effect as time goes by. Doesnt seem like this is the case though imo. What does it take to see my credit score finally rise up more then 1 or 2 points once in a blue moon? Hoping this issue can be addressed and that the generic response saying its an or mathematical formula can be better explained and looked into. Thank you.
Complaint sub-issue: Account status incorrect

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$910.00}
Complaint sub-issue: Debt was paid

On XX/XX/XXXX, I received a voicemail message from an unknown number. When I returned the call at the number a woman left, I spoke with XXXX XXXX of XXXX XXXX XXXX, working on behalf of XXXX XXXX XXXX. He said he was collecting {$1700.00} for US Bank, where I was a former customer 14 years ago, and that if I refused to pay, I could be liable for 3 times that amount. Fearing that it might pop up on my credit report, I agreed to pay, since after all, Mr. XXXX had my former address at the time of the debt, my Social Security number, and specific DDA details. Still feeling suspicious, I did some internet research, and found out that US Bank sold my debt to XXXX XXXX XXXX back in XXXX, a firm whose CEO, XXXX XXXX, was indicted for fraud. Moreover, XXXX XXXX XXXX XXXX received an F rating from the New York XXXX, due to returned mail. XXXX phone number is XXXX. XXXX XXXX XXXX uses the phone number XXXX. If I have to repay my debt, it will not be to a scammer!
Complaint sub-issue: Their investigation did not fix an error on your report

This company has refused to address me through the CFBP website and yet chose to contact me outside of this complaint and send me verification which I never asked for. Further communication from this company after I demanded them to cease and desist all communication with me is a direct violation of the FDCPA. After deleting this account from my consumer report, XXXX XXXX reinserted this negative account back onto my consumer report without notifying me within 5 days. I reaffirm that I do not owe this company any money and I refuse to pay any alleged debt. They have violated my cease and desist by sending me further information in the mail. XXXX XXXX is using extortionate means to collect on an extension of credit that is not due to them which is punishable by jail time. Also stating that I am indebted to them for this account is a false claim and subject to criminal and civil liability.
Complaint sub-issue: Funds not received from closed account

On XX/XX/XXXX US Bank restricted my Business Checking account due to a chargeback that was disputed over XXXX ( for Business ). I went into the bank on XX/XX/XXXX and they said they are doing a review, will be closing the account ( which has a balance of {$210000.00} ), and mailing me a check. I have attempted to resolve this issue in a timely manner but it has been almost 4 months now with no change of status and I really am in need of this for my business. They have not given any help and are outright rude when I try to get to the bottom of it.
Complaint sub-issue: Account status incorrect

XXXX XXXX Loan reported me as making a late payment to the credit bureau, when I asked them to pull the call where I was assured from the rep that she will update my account with my new bank information I felt assured that this would be done on their end. I am now told that this was never done and can not be done on their end they can only take the payment. I had expressed to the representative at that time that I was calling because I was not able to login to my account and she reiterated more than once that she will get it done for me. This was on XXXX XXXX, so my XXXX payment should of processed through my XXXX XXXX  account-it did not due to the bank account not being updated as promised. My payment returned account closed-I had more than enough funds in my account!! I provided my bank statements proving this as well. When I called and talked to XXXX ( agent id XXXX ) in escalations I asked her why no one ever called, no correspondence received, nor did any of the representatives I spoke with ever tell me that my payments were hitting a closed account. Her answer was they do n't have to tell me I should be watching my account. I thought XXXX was a reputable company that had integrity, but apparently not. They kept taking my payment-so they charged me late fees & return payment fees. I could tell that I was not going to get any empathy from this rep from the beginning of the call, she talked over me and when I asked for another representative or her manager she told me she will have them call me back. I had to ask her what the name of the person who will be calling and she said she does not know. I asked her what time the call would be made-SHE THEN told me 7-10 business days. Mind you she is in escalation and I have tried to call them on my break to ask them to review my documents showing that I had more than enough funds in the account at that point in time, also the fact that they called me to tell me my payment was due, but failed to mention the issue so I was never aware. I HAVE ASKED THEM NUMEROUS TIMES TO PULL THE CORRECT CALL-to no avail. Now I have a late payment mark ( the only one I have on my all my reports ) due to XXXX being unethical and allowing their representatives to withhold information from their customers for financial gain in fees. I also show that I am on auto pay on my profile, but according to XXXX in customer service I am not. I feel like this is another ploy to get more money for fees. We have provided proof that our average balance was and still is $ XXXX so why would we not want to pay and use a closed account that would generate fees?
Complaint sub-issue: Account information incorrect

My XXXX Visa credit card account should not have a balance of {$3900.00}. Thats a incorrect balance. I should have a recent balance of {$0.00}. Please delete and permanently block the balance reported on my XXXX Visa credit card account.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX AT XXXX XXXX XXXX XXXX, TX XXXX  HAS BEEN SENDING ME COLLECTIONS ACCOUNT IN THE AMOUNT OF $2,050.00,I DO NOT KNOW THIS COMPANY I HAVE NEVER DONE ANY BUSSINESS WITH THIS COMPANY,THIS COMPANY DO NOT HAVE A CONTRACT WITH MY WET SIGNATURE ON IT,BY LAW ANY ACCOUNT THAT CANT BE VALIDATED HAS TO BE REMOVE FROM THE CREDIT REPORT,IF YOU CANNOT PROVIBE ME THE ORINGNAL CONTRACT WITH MY SIGNATURE ON IT THIS MISLEADING ACCOUNT MUST BE REMOVE FROM MY CREDIT REPORT......