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

This is regarding dispute XXXX with Citi Bank. 
On XX/XX/2019 I book 4 night stay in XXXX XXXX XXXX, NJ in XX/XX/2019 via XXXX using my CitiCard credit card. Me and my kids spend 1 night in the motel. the next morning, the general manger asked us to leave the motel because I complained that the room was unsuitable for adults and young children to stay in due to poor sanitation conditions ( bed sheets were stained, room was dirty ), mold in the bathroom, no air circulation ( windows wont open ), no light ( lamp was broken and didnt work ) and safety hazard ( wood headboard collapsed on the bed, floor was dirty, wet and slippery from humidity ) .I asked for a refund and only then I was told that this transaction is non-refundable ( apparently it's on XXXX website but very not clear ) I called CitiCards on XX/XX/2019 and asked to dispute the charge since I didn't receive service. On XX/XX/2019 CitiCard asked me for documents proving the charge is refundable or any proof that shows the merchant 's policy was not disclosed to me at the time of the sale.On XX/XX/2019 I responded to CitiCard with all the documents to support my claim for dispute, I provided pictures form the motel, I wrote a clarification letter and I attached the motel general manager respond that says that she needed to contact the police to escorted me out of the property, I also attached the police report and my name doesn't appear there - meaning - the general manager admits that she asked me to leave the property but her claim ( that she needed to escorted me out with police ) isn't true - she charged me for 4 nights, asked me to leave after 1 night and wouldn't refund me - its a fraud! On XX/XX/2019 CitiCard sent me a request to provide documentation showing that the merchant agreed to credit my account and they notified me that this investigation consider complete and it is resolve in the merchant favor. On XX/XX/2019 I called CitiCard again and spoke to a supervise named XXXX that wasn't willing to listen to me or to help me. On XX/XX/2019 I called again and spoke to a representative that told me that this dispute was being processed as if I canceled the stay and due to the non-refundable policy - CitiCard didn't credit me. She re-open the dispute and I emailed 2 clarification emails since then. I still haven't hared anything back yet.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Reporting company used your report improperly

In according with the Fair Credit Reporting act XXXX  Account name- XXXX XXXX XXXX XXXX Account XXXX XXXX has violated my rights.

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

15 U.S.C1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Problem with customer service

I have applied for the Public Service Loan Forgiveness program with regard to my student loan. In XX/XX/XXXX I called to check on the status. They said that I was paid ahead and that I was not eligible. They did fix this. They then proceeded to tell me that within 90 days, I would be able to see the status of my qualifying payments that are applied to the PSLF program ( to have your loan forgiven there are stipulations, along with 120 payments ). After 80 days I called, they told me it hadn't been 90. After over 100 days I called, they still didn't have the information, I called again recently and they still didn't have the information. Its been over 200 days since the initial inquiry. Before XXXX took the loan over from XXXX, I had applied for PSLF ... all in all, its probably been over a year since anything has been reported to me. Recently I sent in my recertification of employment, however, this is not required to be done ... just a good idea. In the end, I would like to know how many of my loan payments have qualified me since I have been making payments for almost 10 years now. I don't suspect I have made 120 qualifying payments quite yet, however, I know its far greater than 0, as it indicates.
Complaint sub-issue: Their investigation did not fix an error on your report

I contacted the bureaus and there is unverified debt on my report that's not mine. I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) SW 715.719. I Presume that no proof of the alleged debt, nor therefore any such debt exists. 

Here is the item : XXXX XXXX XXXX # XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX  are reporting me as 30 days past due on the XXXX account number XXXX that has a {$0.00} balance and {$0.00} past due. This inaccurate reporting is harming my score. I have disputed this directly with the two bureaus but the coding violation has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.
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 # XXXX, XXXX XXXX XXXX  # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX 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 items of information, other than records of convictions of crimes which antedates the report by more that seven years.

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

On X/X/17 I bought my lease out on my XXXX. The XXXX dealership apparently submitted my information to XXXX XXXX for a loan, who in turn, denied my loan because of a credit score which was XXXX from XXXX XXXX, a credit reporting company. This score does not match my score from XXXX which was XXXX, XXXX XXXX, at the same time and possibly XXXX. I am very concerned about the score which is being reported on my behalf from XXXX.
Complaint sub-issue: Personal information incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous information reporting on my Credit Report : XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem getting your free annual credit report

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to  request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Complaint sub-issue: Account information incorrect

I am filing this complaint on Equifax because they have continuously refuse to correct my credit report. By reporting charge-off and closed accounts as opened accounts. Reporting accounts that have been sold and closed as still opened and 120 days late. Also, Equifax deliberately change my high balance on my credit cards to make it seem higher than my credit limit, which made my utilization extremely high on my credit cards ; even though I never disputed those accounts. All of these inaccuracies has cause my credit score dropped 86 points in ( 1 ) month.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

The creditor name " XXXX XXXX XXXX '' Violated the fair credit report act by unlawfully reporting to all three credit bureaus which affected my fico scores. How they violated my rights by unlawfully reporting to the bureaus without allowing me to dispute and verify any debt so I may dispute any error. The collection agency hasn't notified me by mail, email or phone call. I haven't received any form of Communitions of the XXXX from " XXXX XXXX XXXX '' by them or liberty mutual. 
I have been a victim of fraud and identity theft which resorted to subject towards a credit freeze with all three credit report agencies because someone is unlawfully using my social security without my acknowledge with the attempt to open accounts. I am seeking by law and due to the circumstances of the removal and any reporting from this collection agency to be wiped of my credit reports permanently because of violation of rights and fraudulent activity.
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 : # 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 and 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. 

Additional Inaccurate Information : Equifax has failed to remove inaccurate name fraud : Equifax consumer report has a section of the consumer report that lists secondary names which reports ( Also Known as " XXXX XXXX XXXX '' ). I have notified Equifax, still no change after I sent in an FTC report and Fraud Affidavit with driver 's license and social security card attached.
Complaint sub-issue: Reporting company used your report improperly

I did not give my written permission to file anything adverse on my credit report. 

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

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

15 U.S.C 1681A Section 2 : it also states that consumer reporting agency can not furnish a 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 of information, other than records of convictions of crimes which answer dates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person should 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: Debt is not yours

My husband died XX/XX/XXXX. Per advice to notify all businesses/utilities, bank accounts, etc., about his death, I called Citi XXXX to tell them my husband had died. They told me his name was on our credit card as primary and the card would have to be cancelled as of XXXX. 
I was surprised to hear that - we had been married for 48 years, and had a credit rating of XXXX. They gave me no alternative. Our balance on the XX/XX/XXXX statement was {$76.00}. I had made a {$20.00} payment on XX/XX/XXXX. I expected to get a statement from Citi showing my balance and final statement, since they told me they had to cancel the account. 
Instead, I received a letter, not from Citi, but from XXXX XXXX addressed to the Estate of my husband, asking me to call them, and telling me the amount due was {$100.00} by XX/XX/XXXX. He does not have " an estate ''. The letter they sent had in bold print the following : You personally are not required to pay any of the debts of the Estate. 

I called Citi and talked to three different people and each one of them put me in touch with others at Citi ( and XXXX XXXX ) - all pretending to be helpful, but all of the referrals were a dead end with no one to speak to, with the exception of XXXX. I told City they needed to send me a statement as to the amount due and they have not done that. I do not want my good Credit rating to be damaged and having a collector to receive the money would do that. I told Citi to bill me and I would pay them, but they cut me off. 
I was shocked to be treated in that manner. If I had known this was their policy, I would not have informed them of my husband 's death.
Complaint sub-issue: Investigation took more than 30 days

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding an alleged collection XXXX XXXX  XXXX. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged collection. I have even requested documents to be provided to prove that the payments were indeed in the collection. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?
Complaint sub-issue: Account status incorrect

I have a leased XXXX. I am never late. Covid caused XXXX to place accounts in limbo and payments showed XXXX due. As I do not like to miss payments, I nonetheless made a payment in XXXX for two months and mailed it in to their address since it showed nothing due online. See the copy of the payment I just scanned into my computer. Instead of posting this payment, they have reported me late. I am aghast and I never miss a payment. I will now pay the entire amount allegedly due from their website to stop further incorrect and negative reporting. 

Please note it's an XXXX lease it's apparently serviced by VW credit. It's even more aggravating considering we are all facing a plague and they unilaterally showed a XXXX balance for months and no payment due and then, in what appears like a self-fulfilling prophecy for financial gain, report you late and fail to post your payment. 

Most egregiously they fail to send any communications to account holders regarding how they are handling the plague or alleged late status. 

Ugh. Please help.
Complaint sub-issue: Information belongs to someone else

I have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX ) and the Creditors ( XXXX  in the amount : {$25000.00} and XXXX XXXX in the amount : {$30000.00} ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately
Complaint sub-issue: Other problem

Numerous requests t o PNC to stop sending credit card offers in the mail have failed. Was assured by PNC that I will  not receive offers to my address.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXX XXXX  Account number XXXX XXXX Account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX Account XXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXX credit card Account number XXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX Account number XXXX XXXX accordance with the XXXX XXXX XXXX XXXX XXXX XXXX listed above has violated my rights 15 U.S.C 1681 under 602 A States I have a the right to Privacy 15 U.S.C 1681 Section 2 :. It Also states that the consumer reporting agency XXXX XXXX an account without my written instructions.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX I was shopping for a A/C unit on XXXX XXXX place. I came across with an ad about XXXX XXXX unit for {$85.00}. I decided to make the purchase, after finhesed the payment, the website freeze and didn't allow me to create an account to track my order, I didn't receive any email about the purchase confirmation. I tried to get back to the same ad and website and I couldn't find the same again. Since that day and now XX/XX/XXXX. XXXX still showing some ad with the same product and same price. I saved more than 5 website with the same layout same deal, exactly the same but with different title/name. All those website doesn't show you any phone number to contact. The only way for costumer service is by this e-mail : XXXX. I XXXX this email.adress and show up a bunch of warning of scam. People saying that bought items and never received. Show up more than 5 website using the same email as a costumer service email. It's totally a scam. And I couldn't get my dispute resolve properly and so far I didn't receive anything from the seller and they don't reply my emails that I sent.
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  XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # : XXXX, has violated my rights. 
XXXX XXXX XXXXXXXX Account # : XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # : 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
Complaint sub-issue: Debt is not mine

XXXX XXXX tire center is trying to collect on an account that was opened with my fathers social security number due to the fact that i did not qualify for credit because I had filed for XXXX Bankruptcy XX/XX/XXXX. Due to financial struggles and health issues my father was forced to file for bankruptcy in XX/XX/XXXX or XX/XX/XXXX to my knowledge. Ive received a book-load of receipts and invoices where my name is shown. Their collection agency has called and threatened the guy was very rude, telling me the collection was going to stay in my credit and he would make sure it did, after I asked for a copy of the application with my social, which they cant seem to provide. Also asked for a credit report where they had ran my credit, they cant seem to find that either. They do n't even have my social security.
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX