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

I opened Citibank credit card with best buy, i purchased a computer that I never received, best buy told me if was delivered but i never received the item, it was ether stolen or delivered to the wrong address, they told me they contacted the shipping compony and that they have proof of delivery, and they denied replacement item, they told me to contact my local police department for theft claims, at the point i called the XXXX bank and filed dispute # XXXX on the XX/XX/XXXX they told me that XXXX has 30 days to respond and if they don't respond then it will be ruled in my favor, I called 31 days latter XX/XX/XXXX, they had nothing from merchant, told me that they have another 30 days to respond ( that is not a true statement ) then I called week latter they told me that investigators need to rule on disunion and they will notify me, i called XX/XX/XXXX they told me that they got something form best buy and they with in time frame and they will investigate, and it will take up to 60-90 total they got something from best buy on XX/XX/XXXX and that passed 30 days then they told me its from the day best buy received the docs ( XX/XX/XXXX ) so 30day would expire on XX/XX/XXXX but then they told its 30 Business Days i asked them to email me where they coming up with these time frames and they told me they cant and i should have it in term and agreements brochure, they wont provide the copy, in regards of what best buy is saying that they have proof of delivery is a note from the delivery driver ( note that says left at the door ) delivery compony has a policy to get a signature for amount over {$1000.00} but shipping compony told me that best buy never notified them that its a expensive item, so no one is taking responsibility. I'm trying to resolve it but these 3 monsters compony against one me and they are pointing figures at each other and one is helping. not I'm stuck paying {$1500.00} for something i don't even have. please help
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a letter to the 3 Credit Bureaus last XX/XX/2022 to correct/fixed these suspicious items. I think you have not validated these items in accordance with FCRA and I will pursue legal action against you. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX and I'm including it again. 
XXXX XXXX CO Account Number : XXXX ; XXXX XXXX CO Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account XXXX : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; UTILITY SELF-REPORTED Account Number : XXXX ; XXXX SELF-REPORTED Account Number : XXXX ; XXXX SELF-REPORTED Account Number : XXXX
Complaint sub-issue: Reporting company used your report improperly

Equifax failed to adequately secure my personal information, financial information, and credit history. Through negligence in their computer security, they allowed criminals to access all of this information and use it to make fraudulent charges to my credit cards. As a result of their negligence, I have had to spend considerable time working with the fraud department of XXXX XXXX, researching damage to my credit, and placing fraud alerts on my credit reports. I have also had to make international telephone calls to resolve the fraud, as I am currently overseas.
Complaint sub-issue: Frequent or repeated calls

This company ( Direct Capital ) has taken to calling frequently on my work and home cell, each time reflecting a local number that is misleading. They are threatening and harassing.
Complaint sub-issue: Debt was result of identity theft

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Complaint sub-issue: Investigation took more than 30 days

I am XXXX XXXX XXXX, and I am writing this for myself and there is no third party involved over a few months ago I sent in my dispute letters and I have yet to hear anything from them. I understand that by law they were given 60 days to respond and I have yet to her anything from them and in return I need those items deleted because I never gave anyone the consent to procure any report pursuant to 15 USC 1681b ( 2 ) which is a violation of my consumer rights
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXXXXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE iXXXX XXXXXXXX  now.
Complaint sub-issue: Information belongs to someone else

I recently pulled my credit report and noticed credit inquiries that I do not recognize, unauthorized and NOT mine. I must have been the victim in acyber hack or identity theft. These Non Account holding inquiries with : 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 XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX, XXXX, are NOT mine, I do not recognize and did not authorize them. These inquiries arefraudulent. To my knowledge, I have not signed any documents authorizing your organization to view my credit history, your inquiry into my credit reports violate the ( FCRA ) sec, 1681b ( c ) : transactions NOT initiated by consumer. Please remove these items effective immediately! Thanks in advance!
Complaint sub-issue: Debt is not mine

Received XXXX phone calls within XXXX week from the following number XXXX and XXXX. Message simply was a debt collection agency following up on collecting a debt. End recording ... 

I do not know what it is all about since we do not have any financial arrears? 

Do not know if this is a scam either?
Complaint sub-issue: Banking errors

I just want keybank to partner with the new app called XXXX. I think it a really convenient application .i would really appreciate it if we could use this application
Complaint sub-issue: Credit inquiries on your report that you don't recognize

From XX/XX/XXXX- XX/XX/XXXX I went to a Dealership called XXXX XXXX XXXX at this location when they filed for me to lease a car they put XXXX hard inquiries on my credit report. This is a violation to federal law 15 USC 1681b These hard inquiries is holding me back from getting accepted for my credit. I have been trying to dispute these claims but the application won't allow me.
Complaint sub-issue: Information belongs to someone else

ID theft victim. These are the accounts that do not belong to me. im attaching an id theft affidavit. 

XXXXXXXX XXXX  XXXX {$570.00} XXXXXXXX XXXX {$5700.00} XXXX XXXX {$4600.00} XXXX XXXX XXXX {$2900.00} XXXX {$23000.00} XXXX XXXX XXXX {$350.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$7900.00} XXXX XXXX {$790.00}
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX is a loan Company on the XXXX XXXX or New Mexico. I reached out to this company via email and CFPB and advised that this is not by debt and ease do their due diligence and investigate. This account was open on line in my name. This is not my debt along with several other fraudulent accounts. I contacted my local police department and filed idenity report as well im also aware that my information has been found in several data breach and im asking to either validate show proof this is my debt or remove immediately from my credit file. I will notify the FTC to step in if necessary.
Complaint sub-issue: Account status incorrect

On XXXX XXXX, I opened up the account with XXXX XXXX as I wanted to switch over from XXXX 

On XXXX XXXX I went back to XXXX stall inside XXXX where I originally bought the service and phone, and I returned everything to them and had receipts given to me I was told everything is done and taken care of until I pulled up my report on XXXX XXXX and found out that it is still reporting as negative on account with balance of XXXX XXXX 

I spoke to XXXX and submitted my receipts as proof of return and they removed some amount from the {$1600.00} and left {$180.00} on account saying I need to pay this as this is out of return period. I explained them it wasnt my fault as I didnt return the equipment and didnt use your service for a single day so why should I pay for it. 

To which they are denying to remove this charge and negative remarks from my report and I need to buy house and this is creating the issue for me I need help in getting this resolved as I am Not at fault Any help will be appreciated
Complaint sub-issue: Information belongs to someone else

I have an account from XXXX XXXX XXXX that is a fraudulent account reporting on my credit. I have filed a FTC report.
Complaint sub-issue: Problem with personal statement of dispute

My name is XXXX XXXX and I am currently a co signer on my sons loan with XXXX account number XXXX. My Son XXXX XXXX was running late on the payment and I was never notified of this until my score dropped 80 points. XXXX had all my loan information and never contacted me either by phone or mail. When I asked why I was n't contacted they said they did n't have my information from my application. I feel this is unfair and untrue I had filled out all my currant information during the loan process. If they did n't fill it out I feel this is unfair as I am a loan signer and would like to be notified if my son was having financial difficulty. I have a perfect history and never has my son or I ever been late on any payment in the past. This has ruined my ability to obtain a car loan. I have spoke with managers and no one will even give me the time of day. They said they do n't have the ability to remove from my credit report which is not true. I feel they are being dishonest. I do know they have the ability to do a courtesy removal. I could see if we or my son had a history of late payments, but that not the case. I 'm almost feeling they are discriminating as all four people were XXXX XXXX. I am a XXXX women. They did n't seem interesting in helping me. I feel they were being deceptive as well as eager to allow my life being ruined. I would like them to provide a courtesy removal as we both have had perfect credit history. Its almost like they are trying to set us up for failure. All employees were short with me and not willing to work with me. I feel this is unfair. Please help as this has harmed my ability to optain a car loan in the future.
Complaint sub-issue: Was not notified of investigation status or results

I've tried numerous times to have the creditor Police and XXXX XXXX XXXX XXXX to remove a inaccurately missed payment from XX/XX/2019. I never missed a payment and was told to contact the bureaus to fix and it's still not fixed. This is causing harm to my credit reports and preventing me to be qualified loans and causing tremendous stress. So since no one is fixing this problem I'm submitting a complaint. This is not fair that they messed up and I have to suffer because of their mistake.
Complaint sub-issue: Public record

I recently looked at my credit Equifax Credit Report and noticed a Bankruptcy # XXXX that did not belong to me. I quicky notified Equifax and disputed this incorrect information. 30 days Equifax claimed they verified the information. This can not be true because I already called the courthouse and they no information on me. They also told me Equifax never notified them about any dispute about me. I simply want this off my credit report because if you look at my credit you can easily see no accounts are listed under any Bankruptcy, because I never went Bankrupt ...
Complaint sub-issue: Account information incorrect

I am having an issue with the way that XXXX XXXX XXXX is reporting my status on an active auto loan. I ran into a temporary financial issue at the end of XXXX that led to my loan being late for a few months. And as a result, my account did report late. I later recovered and caught the account back up by XX/XX/XXXX. The problems with the reported account status started, once the account was brought current again. As previously stated, my account was brought current again in XXXX. However, they did not update my account as current again until the month of XXXX. And since that time, I have continued to make on-time payments each month, but XXXX XXXX has only updated the payment history of this account through XXXX. I have now made eight on-time payments to XXXX XXXX since XXXX. However, XXXX XXXX continues to report that the account was still late in XXXX and XXXX, when it was not. And furthermore, the only way I can recover from the late payments with my credit score, is by re-establishing my good payment history. But XXXX XXXX just doesn't report them. I am now eight months removed from my last late payment, but on my credit report, XXXX XXXX is reporting that I am only two months removed from the last late. By erroneously reporting lates in XXXX and XXXX, combined with not reporting any additional payment history on the account since XXXX, it appears that my account was late just two months ago. Again, this account has been current for eight months now. XXXX XXXX was really quick to report my account when it was late. But for whatever reason, they now refuse to update my account properly.
Complaint sub-issue: Was not notified of investigation status or results

ATTN XXXX Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Complaint sub-issue: Didn't receive enough information to verify debt

I sent a return receipt certified letter to this company and it was received on XXXX @ XXXX XXXX. I have not received any response and it has been 3+ months.
Complaint sub-issue: Account information incorrect

Please review the following : Account # XXXX - XXXX XXXX XXXX XXXX : This debt has already been sold and yet is still being reported with a past due balance on my account. The account was sold to XXXX XXXX. Please have this removed for inaccurate reporting. 

Account # XXXX - XXXX XXXX : This account is a part of the Ally Financial v. Haskins Class Action Settlement. One of the benefits of being involved with this settlement is having this account deleted from all three credit reports. It has still not been removed after multiple disputes and verbal confirmations that the account would be removed by XXXXXXXX XXXX XXXX 

Account # XXXX - XXXX XXXX XXXX : This account has continuously been reported inaccurately throughout all three bureaus. One bureau shows this account is open with a balance owed while two others show it is closed with a balance owed. After numerous disputes, this account inaccurately remains on my report. Charge off is a write off to the IRS, any balance is non reportable. 

Account # XXXXXXXX XXXX XXXX- This account has violated my rights to privacy. According to 15 U.S.C 1681 Section 604 A Section 2, a consumer reporting agency can not furnish an account without my written instructions. The open date, close date, and date of last activity on this account have all also been reported inaccurately throughout the bureaus.
Complaint sub-issue: Need information about your loan balance or loan terms

This is the second complaint filed with CFPB in order to receive accurate recount of my loan status for the XXXX XXXX XXXX XXXX. Employer verification forms have been submitted, the latest forms uploaded on XX/XX/XXXX and XX/XX/XXXX. I am aware that FedLoans will no longer be servicing student loans and the program is restructuring. Unable to receive information over the phone. There are XXXX loans which still do not show qualifying payments, and I am curious if this will change with the new loan waiver ( XXXX  XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX ). I have gone through multiple loan servicers since graduating medical school in XXXX. Some loans were put on administrative holds or forbearance during the times the loan servicers changed - I want to know if the waiver changes my qualifying payments moving forward and why each loan has different qualifying amounts when all were paid equally since starting residency program in XXXX. Knowing the waiver is only in effect this year, I desire clarity over my loan status.
Complaint sub-issue: Investigation took more than 30 days

EQUIFAX FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN 30 DAYS. IN ADDITION THE FAILED TO PROVIDE THE INFORMATION ON FILE FOR THE DISPUTED ITEMS
Complaint sub-issue: Account information incorrect

It is illegal and immoral to hold or report deceiving or dubious data, particularly considering a created consumer complaining and informing you of said issues, so please delete the accompany incriminating and wrongfully revealed inaccurate information at this very moment : These items are reported inaccurately : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX This was the letter I sent several times with no response from either bureau. These account are being reported incorrectly be the credit agencies.
Complaint sub-issue: Was not notified of investigation status or results

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter on XX/XX/2021 ( 67 days ago ), exercising my rights under FCRA 611 ( a ) ( 15 U.S.C.1681i ) I challenged the accuracy, compliance and report-ability of these accounts below. 

1. USDOE/XXXX  : Account number : XXXX I was never late. Please remove this account from my credit report. 

2. USDOE/XXXX : Account number : XXXX Please remove this account from my credit report. This account is showing several late payments, and I am for certain that I was not late during these months. 

3. US DEPT ED : Account number : XXXX The reported balance is incorrect. Please delete. 

4. US DEPT ED : Account number : XXXX There should be a zero balance. Please delete. 

5. US DEPT ED : Account number : XXXX The date of last activity is incorrect. Please delete. 

6. US DEPT ED : Account number : XXXX This account is reporting inaccurate and unverifiable information. Please delete. 

7. XXXX XXXX  XXXX : Account number : XXXX The reported balance is incorrect. Please delete. 

8. XXXX XXXX : Account number : XXXX There should be a zero balance. Please delete. 

9. XXXX XXXX XXXX : Account number : XXXX Please remove this account from my credit report. This account is reporting inaccurately.
Complaint sub-issue: Fraudulent loan

I am a victim of identity theft, and someone obtained a copy of my driver 's license ( through changing mailing address with New Jersey XXXX ) and applied for a motorcycle loan with XXXX XXXX XXXX ( transaction happened on XXXX, location : XXXX New York, amount : {$28000.00} ). 

I was made aware of this fraudulent activity after I received a letter in the mail on XXXX. 

I then filed a police report immediately with my XXXX Police Department and FTC ID theft report on identitytheft.gov on XXXX. And subsequently filed a stolen vehicle report with New York Police Department on XXXX. 

A claim was filed with XXXX XXXX XXXX on XXXX, and denied even though the police report and the FTC ID theft report were all provided to the loaner.
Complaint sub-issue: Account information incorrect

Filed a complaint with CFPB on XXXX complaint number XXXX. 
Complaint was for fraud wire transfer by a company. 

Company responded with its final answer exactly on the 60th day. 

The answer said they contacted me, they never did They also said they contacted the merchant when they could not have since the state of Wisconsin put them out of business for their part in this scheme. 

Then the second part of the response states that their fraud department is still working to resolve this matter. How can this matter be considered closed by.the CFPB? I have been going in circles with these people and they respond to the CFPB with this sort of answer and you just close the investigation? 
This matter is not resolved when the company clearly states it is still investigating the matter.
Complaint sub-issue: Report improperly shared by CRC

On XXXX. XXXX sent a representative to my Dad 's home for an inspection. I did n't provide my social security number to the representative. I check my credit report monthly. There is Hard credit inquiry made by the company which has affected my credit score. I 've called the company multiple times. I spoke with a few resolution associates. I was told emails were sent to manger and the representative XXXX.They all told me that my credit could not have been checked without providing my social. I spoke with the rep XXXX XXXX multiple times about this. He told me he and his boss are working on it. Its been1month I left messages with no response. The inquiry is on Equifax