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

On XX/XX/XXXX and XXXX, my credit care was used to make four purchases totaling {$410.00}. 

I had not used the card prior to the day before when I used it to have repairs done on my car at the XXXX dealership. And then the next day, these other charges appear. Citi flagged the transactions as fraud, and we closed the account. I was told the charges would be submitted as disputed. 

When I went to pay the bill the next month, the charges were still there. I called to ask what happened, and they hadn't even opened the dispute. I asked them to, they did, then a week or so later I got a letter that said the dispute had been closed because they did not get some information they needed. This was after I'd answered the same battery of questions on the phone twice. 

I called back and complained and they reopened the dispute again. Now, they have determined that the charges weren't fraudulent and have accused us of theft. I did not make these charges. My husband who's an authorized user on the account did not make these charges. Citi even flagged them as fraudulent, which is what started this whole thing. How are we now being held responsible for them? I can not prove a negative -- we destroyed out cards as instructed when the account was closed. I can't prove anything now, and am on the hook for money that's a big deal for me, but chump change for a mega-corp like Citi -- which I don't doubt will have to be bailed out by me, the taxpayer, at some point in the future. 

I will never bank with Citi again, that's for sure. I will be closing both accounts as soon as humanly possible. But how do I get the {$410.00} in charges I DID NOT MAKE removed from my account? I've been a Citi customer -- one of their premier members or whatever they call them -- since XXXX. This is appalling customer service. 

It's also worth noting that the actual money I'm going to be out here is well more than the $ XXXX.I 'm a self-employed small business owner. My time is valuable. But Citi has wasted hours of my time on this dispute with multiple phone calls and putting me on hold for 20-30 minutes at a time and then giving me this run around. And those calls -- they have all had terrible sound quality and people who clearly don't speak to each other and barely can communicate to the customer what's happening. This is no way to treat honest customers who pay their bills on time.
Complaint sub-issue: Was not notified of investigation status or results

So I had a XXXX XXXX that insurance paid for. I disputed it online multiple times. And on XX/XX/XXXX I sent in a letter dispute and I never got thr results back. After I sent the letter off, the post office mailed a receipt saying that the letter was sent.
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Equifax dated XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 


DEPT OF EDUCATIONXXXX XXXX Late Date XX/XX/XXXX, DEPT OF EDUCATIONXXXX XXXX Late Date XX/XX/XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have inquiries showing that I did not start or authorize. Im blue in the face for writing the credit reporting companies and they have not removed. I contacted XXXX and had them correct. They recommend I place a freeze on my XXXX  account which I did XXXX of 2019. I explained this and demanded all three agencies send me proof that they rechecked with XXXX, which none have done so
Complaint sub-issue: Information belongs to someone else

Accounts in question : XXXX XXXX XXXX I reported these accounts as fraud ( attached police report ). The accounts were removed as requested by me however no investigation was done by the credit bureaus or XXXX XXXX. Shortly after the account was placed back on my credit report without my notice or consent. I asked for the accounts to investigate and removed due to fraud. XXXX XXXX refused to investigate and provide me with original documents and statements to prove their claims. My requests were ignored which is a violation of my consumer rights. 
I sent a repeat FTC report and cfpb complaint regarding the fraud account and the accounts continued to be reported on my credit report. This is another violation of my consumer rights. 
Furthermore, I have informed XXXX federal to cease communication on these fraud accounts. However, my requests have been ignored and I am still harassed several times a day for years by a robocaller phones number leading by to XXXX XXXX once answered. To my knowledge, this is also a violation of my consumer rights.
Complaint sub-issue: Reporting company used your report improperly

This company has not provided credit report, yet sent correspondence requesting which items on the report are being disputed. This entity has been asked to remove all items on the credit report which have not been verified with contract signature, appropriate identification and/or social security card. This agency has been asked to remove all addresses not reflective of the current address and many alternate reporting agencies have inaccuracies related to addresses. This entity has allowed unauthorized inquiries on my report and unsoliciated credit and insurance offers.
Complaint sub-issue: Account status incorrect

There are late payments on my report that is causing me hardships and stress. I am DEMANDING you to remove these illegal late payments under 15 U.S Code 1666b ( Correction of billing error ) you are illegally reporting transactions on my consumer report. According to 15 U.S. Code 1681b, permission is needed to report on my consumer report.
Complaint sub-issue: Account status incorrect

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 U.S.C 1681. 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. 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. In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. & 16811 ), I am practicing my right to challenge questionable information that I have found on my personal credit report. Moreover, I also request you investigate the source of these accounts and ascertain that the creditor had a permissible purpose and can verify my complete file information including my full legal name, current address, date of birth and full social security The following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

Equifax ; XXXX and XXXX should not be reporting each inquiry listed as a separate line item on my credit report. ( Please see page attached. ) These multiple inquiries are well within the 14 45 days that is typically allowed to check different lenders and find the best loan. These inquires are all the same lender and therefore should only be reporting as ( 1 ) line item. All of these inquiries are of like kind. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed and report only ( 1 ) inquiry. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Complaint sub-issue: Information belongs to someone else

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just of couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

XXXX XXXX {$55.00} XXXX  XXXX {$1900.00} XXXX XXXX   XXXX {$1100.00} XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$88.00} XXXX XXXX XXXX {$650.00} XXXX  XXXX XXXX  XXXX {$450.00} XXXX/XXXX  XXXX {$870.00} XXXX XXXXXXXX   XXXX {$1000.00} XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX {$820.00}
Complaint sub-issue: Information belongs to someone else

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX Balance Owed : {$5300.00}.
Complaint sub-issue: Deposits and withdrawals

XX/XX/XXXX I deposited XXXX into Ally Bank Savings account On XX/XX/XXXX I deposited XXXX into All bank Savings account A total of XXXX On XX/XX/XXXX Ally froze my account when I tried to retrieve my money. 
It has been XXXX months with NO prevail. I have called dozens of times to get my XXXX back. On XX/XX/XXXX Ally closed my account and has since not made my money available. 
I was told by Ally Bank to have the original bank from where the funds came to reverse the transaction to get the money back. 
The ACH from the original bank said it was far too removed from a normal time to do a reversal of transactions. 
I told Ally the original Bank will not reverse and I still have had XXXX replies from Ally Bank to fix the issue. 
I need Ally Bank to give me my money back>>>> I do not know how to get them to reply. 
Every time I call the fraud department I am told a different story about where my funds are and how to get them back. 
The original bank from where I transferred the money said they have no legal matter to do anything. 
Ally Bank knowing this still has not responded and there is no end to this in sight. 
I have had to contact endless financial reserve companies to place formal complaints. 
I just need my money returned to me from XXXX!!!!!
Complaint sub-issue: Problem getting my free annual report

Was unable to retrieve my annual credit report from Equifax online. The questions were deceiving and there were some where i could have chosen more than XXXX correct answer. I also had a copy of another credit reporting agency so i knew the answers were correct. My wife also tried to get hers and had the same problem. I also sent in via mail the documents to show and all i got was more letters stating to send in more of the same documents. this happened XXXX.
Complaint sub-issue: Account information incorrect

There is wrong information in my report : &gt; My present address :    XXXX   XXXX   XXXX     XXXX , MI.  XXXX  : please update &gt;   XXXX   XXXX   XXXX   XXXX   XXXX   : I have paid off this account, please update balance
Complaint sub-issue: Account information incorrect

I have missed payments listed on XXXX student loans. Each time these so called missed payments have appeared on my credit report, I called the loan department to find out what happened as I was signed up for automatic payments. Each time I called, I was told it was an error in their own system and that the missed payments would be removed. Whenever I tried to call back because the late payments were n't removed, I was told to be patient. I have sent a written request to their credit reporting department, which was denied. I have put in a dispute with the credit beaureus, the results state that the item was fixed, but it still has not been fixed. The missed payments are still there.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

EQUIFAX is continuing in UNFAIR credit reporting practices by making it impossible to find out anything regarding My report, yet they continue updating negative reporting. 

EQUIFAX right now is negatively impacting my standard of life by reporting damaging, unsubstantiated claims and information ; deteriorating My character and ruining my reputation. 

1 ) EQUIFAX will not allow Me to log in online.

2 ) EQUIFAX will not give Me any information over the phone ... ( when I called and spoke with a rep she stated their system was down and to try again later. This was over 2 weeks ago and supposedly the system is still down, because I STILL can not login to My account via the equifax website ) 3 ) EQUIFAX, despite their " system being down '', continues to report a negative collections account which has already been discredited, disproved, and successfully removed from the other two credit reporting agencies.

4 ) Equifax also continues to report other unsubstantiated claims by alleged creditors.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX/XXXX   accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 7 and 8 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX IS A FRAUDULENT ACCOUNT ON MY CREDIT FILES IVE CONTACTED THEM AND THE CREDIT BUREAUS NOTIFYING THEM OF THE FRAUD. POLICE REPORT IS ATTACHED SHOWING THE FRAUD.
Complaint sub-issue: Problem using a debit or ATM card

I have attempted to file a dispute. The company is a bunch of unprofessional clowns on the phone. They sent my dispute forms to the wrong address. I have been unable to reach the dispute department and left three different messages fir them to call me back which they have not. I began to tell my story to an agent from that department today, after holding for 30 minutes and she immediately hung up in my face.
Complaint sub-issue: Personal information incorrect

I am in receipt of a response letter dated XX/XX/2021 from SageStream which did not adequately respond to my complaint. I am not sure why this response took 60 days as it was a canned response and it is clear that NO RESEARCH was done as to the accuracy of my information. Perhaps I was not clear so I am attempting to add clarity to this complaint. 

The original letter I received from XXXX XXXX  outlined the following issues with a Credit Report that they received from SageStream.

1. Date of issuance of applicant 's SSN does not match date of SSN of peers. Please inform me how to correct this information. Is SageStream aware that I was born in the XXXX and at that time you did not apply for your SSN until your parents determined that you needed it for a summer job or other purpose. My brother, who is XXXX months younger has a SSN that is only 2 numbers from my own. SO IF THIS IS AN ITEM THAT WILL IMPACT MY SCORE OR ABILITY TO OBTAIN CREDIT, HOW IS IN CORRECTED? 

2. Applicant associated with multiple phone changes. Again, I would like to be informed where they got this information and how to correct this erroneous information. I have had the same phone numbers ( Home, yes I have a land line, and Cell ) for over 15 years. So they either you have a bad source, are pulling bad information or just DO NOT CARE about the accuracy.

3. Distance between applicant 's address and area code of phone number. Where is this information obtained and how is this determined. Also, how can this erroneous information be corrected. Both my home and cell number start with a ( XXXX ) area code. I live in XXXX Florida just outside XXXX where the area codes are XXXX XXXX XXXX original area code and ( XXXX XXXX newer area code. So I actually have one of the original area codes before they stopped issuing that area code.

4. Total account balances. Again, where is this information obtained and how is this determined. Also, how can this erroneous information be corrected. My credit card usage constantly is low and I pay all non zero interest balances in full every month. I do not have any car loans and my mortgage balance could be paid in full but I chose not to due to having an interest rate under 2.5 % ( I am 6 years into a 10 year loan ). 

I would like the company to tell me the sources of the data that they provided to the credit grantor and how to correct errors in these areas. What proof would be required to support that fact that their data in incorrect.
Complaint sub-issue: Was not notified of investigation status or results

I sent letters out to all XXXX credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Complaint sub-issue: Reporting company used your report improperly

To Whom It May Concern : I recently received a copy of my ( XXXX, & XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX Account number XXXX - Date opened XX/XX/XXXX Late payments The dates associated with payments not made on time for the account XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) 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.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Complaint sub-issue: Account information incorrect

XXXX XXXX is reporting a new late in XXXX that I do not owe. My card and wallet got stolen while I was out of town so I had to cancel the card that the auto draft for my account was on which made the payment decline. I forgot about the auto draft and didn't know I was late until later because I thought the auto draft was still set up.
Complaint sub-issue: Debt was discharged in bankruptcy

I have come across an item on my credit report that does not belong to me. An account was opened fraudulently without any acknowledgement ; In other words this account was not opened with my authority or consent and I am unaware of this account ; the balance reported or am I responsible for any debts occurred on this account. Please provide me with the application for service agreement verifying my authorization of the account in question.
Complaint sub-issue: Can't use card to make purchases

The order was placed on XX/XX/22 and canceled the same or the next day. The pending charge according to the Citi credit card service can't come off and will be on my CC for 30 days. I am to make a payment for a big order next week so that I could take advantage of the promotion advertised for that upcoming purchase. The manager from XXXX, the merchant submitted the release of the pending charge three times in vain- the Citi credit card refuses to release the pending charge which is about 20 % of the credit line I was approved for. The potential solution to increase the credit card limit is not available either. 
They also refused my request to increase my credit card limit for reasons unclear to me. My current credit card limit is 1.4 % of my individual income and 1.1 % of my household income.
Complaint sub-issue: Account opened as a result of fraud

I received a Square debit card in the mail that I did not request. I do not know how the account got opened. It was sent to my home address in my name. The issuing bank is XXXX XXXX, the company is Square Inc .
Complaint sub-issue: Account status incorrect

XXXX verified late payments that they deem to be incorrectly reporting Equifax and XXXX had a open dispute They stayed XXXX reported the payments back on my account
Complaint sub-issue: Account status incorrect

My XXXX XXXX XXXX Card appears twice on my Equifax report. I only have one XXXX XXXX  card and the other account should be removed. This account is a duplicate and needs to be removed.
Complaint sub-issue: Account information incorrect

The following accounts are incorrect, and are adversely affecting my livelihood. 

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

XXXX XXXX XXXX XXXX is in violation of my privacy rights under HIPPA Law. I have continuously asked XXXX XXXX XXXX XXXX to provide me with a signed HIPPA release and they have continuously avoided my request but have sent private information about my injury and procedure. These accounts need to be removed from my credit file immediately
Complaint sub-issue: Investigation took more than 30 days

EQUIFAX FAILED TO REMOVE XXXX XXXX , XXXX ( XXXX XXXX OF BETTER OR SCREENING REPORTS. ( SEE ATTACHED )
Complaint sub-issue: Their investigation did not fix an error on your report

There is a new XX/XX/XXXX XXXX  account that never reported to my personal profile and it suddenly appeared with a delinquency status causing me damage. 

The whole late on XXXX XXXX account was due to covid