Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I am refinancing my home and was looking for the best rate. I reached out to a company called XXXX XXXX and spoke to someone named XXXX XXXX. I told her I had been talking to XXXX and they had pulled my credit score on XX/XX/2021 so I DIDN'T want XXXX to pull my score if it was going to be considered another hard inquiry. She told me it would not impact my score. XXXX sent me information from the CFPB website that says you have a 45 day window when it comes to mortgages inquiries. I told her she could pull the report but that was because I was under the impression it would NOT count against me. I have written to all 3 credit agencies and they told me the window is 14 days. They have said they will not remove the inquiry. The inquiry I am disputing is from XX/XX/2021 XXXX XXXX lending via XXXX XXXX. I wrote to XXXX XXXX but the letter was returned saying they had moved with no forwarding address. I would like this hard inquiry removed my credit.
Complaint sub-issue: Information belongs to someone else

I submitted a fraudulent dispute with these companies on XX/XX/2022 including my dispute letter FTC report and proof of identity. XXXX and XXXX received my request on XX/XX/XXXX I have tracking to prove it but they have not sent me any correspondence regarding my request to suppress this fraudulent information. XXXX said they did not received my request when I called them. Equifax received my letters on XX/XX/XXXX via Fax and I can not access my online account to check for updates on these disputes and they have not responded to me. Neither one of these companies has responded in the allowed amount of time according to FCRA which is 4 business days of receiving fraudulent disputes.
Complaint sub-issue: Account status incorrect

The class action multi state settlement includes my loan repossession I have called XXXX XXXX  attorney generals office for both the state I reside and sate I resided at the time. The settlement administrator I get ran through circles and told I just have to wait no timeline given. Currently trying to obtain a mortgage and this is XXXX on my credit. I have been trying to get a resolution for weeks and its so frustrating and disheartening. You try to clean up your credit for going on 3 years now but they dont want you to win you will be charged less money if you get back to where you once was.
Complaint sub-issue: Problem with fees

My bill with Citibank totaled {$240.00}, due on XX/XX/20. On XX/XX/20, Citibank posted a return to my acct. of {$210.00}. This is 5 days BEFORE my payment was due. I deducted that amount from my bill, because Citibank is XXXX bend on keeping any overpayment FOREVER. I paid {$31.00} which was posted to my account on XX/XX/20. The payment was NOT late, yet I was charged a late fee of {$29.00}. I spoke with XXXX at Citibank, she said no matter what I had to pay the minimum due which was {$35.00} even if it amounted to an overpayment. Citibank refused to reverse the late fee, and in addition added {$3.00} to my bill, the difference between {$31.00}, what I owed and {$35.00}, Citibank 's minimum due for a total of {$32.00}. I do not owe Citibank a dime
Complaint sub-issue: Account information incorrect

XXXX XXXX and I agreed to a settlement amount for an account I was listed as a cosigner on. They assured me that the status would be updated with all three credit bureaus to reflect the paid with a XXXX   balance. I spoke with all three credit bureaus who stated that an update was not submitted. I was treated like a tennis ball in a tennis match regarding this matter by them and the credit bureaus. Each one off them begin to blame one another as being at fault for the inaccurate information being reported and reluctance to make the changes accordingly. The amount that is currently reported on my credit reports for this creditor is {$7400.00} with a status of written off as bad debt/collection which is inaccurate.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reporting 120 days past due on XXXX partial account number XXXX that has a {$0.00} balance and {$0.00} past due amount. This incorrect reporting is hurting my credit score. It is impossible to be 120 days late on an account that has a {$0.00} balance and {$0.00} past due amount.
Complaint sub-issue: Delay in processing application

Citi is requesting to verify some financial information to continue processing application. Need completed XXXX.
Complaint sub-issue: Reporting company used your report improperly

I XXXX XXXX Am a PROTECTED CONSUMER. I know my rights. I notified the credit reporting agencies that these accounts were inaccurate and fraudulent on XX/XX/2021. According to FCRA LAWS, they were supposed to remove these accounts within 4 days of receipt of my official statement, it is now XX/XX/2021 and the accounts are still reporting illegally. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts. Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have contacted the bureau and the company XXXX XXXX on several time.. I have not been late on my payment. They are presently hurt my credit reporting this information inaccurate.
Complaint sub-issue: Unable to open an account

i had a us bank account for 3 years. i had it attached to my mortgage and was in good standing. i had someone do a XXXX  money transfer to my checking. then someone hacked my account and removed that same amount. after the transaction. i was called that money was reported as stolen. US bank closed my account and blamed me for it and will not let me have another account.
Complaint sub-issue: Their investigation did not fix an error on your report

On XXXX I had sent a letter to XXXX XXXX in regards to an account that was on my consumer file under my name. In this letter I was requesting that XXXX XXXX provide me with the alleged physical verification of the original signed contract between myself and their company. I received a response stating that my letter was unclear, and they did not know what I was asking for ( copies of all correspondences will be included in this complaint ). I then sent XXXX XXXX a letter on XXXX reiterating that I was requesting proof of an alleged account being reported to the Credit Bureaus in my name. XXXX XXXX had then responded to that letter stating that they have no way of validating the account as the application process was done online or over the phone. I have never applied for or obtained anything from this company, not in person, over the phone, online, not by fax, postal mail, NOTHING. 

On XXXX, XXXX AND on XXXX, I wrote to XXXX, XXXX  and Equifax as they have continued to verify this account as accurate. My question would be, how is are these bureaus verifying an account in my name, when the company has already sent me a letter stating that they are unable to verify this account. 

XXXX, XXXX, and Equifax continue to keep this inaccurate negative information on my credit report after being informed multiple times, WITH PROOF that this account needs to be removed.
Complaint sub-issue: Account status 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 1681i 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 inquiries reporting on my Credit Report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Confusing or misleading advertising about the credit card

This is really a general complaint about the recent decision made by XXXX and Citigroup to give a hard time to any retailers conducting lawful firearm-related business activities. 

I am a regular customer to both banks and feel powerless to be able say anything, I can just see my concerns being ignored letting them know how I feel about it. 

There's no need for them to make a political move like this, and doesn't change anything anyways, for example background checks are already required in most circumstances.

I don't think these 2 large financial institutions should be getting involved with this.

I hope this gets to the right place and helps encourage a focus on responsible financial business practise. 

Thanks,
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I paid a  XXXX  {$750.00} o n    X/XX/17  for  treatment that I was supposed to receiver on   XXXX   XXXX   over the following three weeks. During th e third and final s ession I realized that he was only treating  XXXX  of the  XXXX   XXXX . When I pointed this out to him he jumped up, got my chart and read his notes. He apologized for the mistake and treated the other  XXXX   XXXX . At the end of the appointment I mentioned that we would have to schedul e  XXXX  more appointm ents so that those  XXXX   XXXX  would receive a total o f  XXXX  tr eatments. He replied, " No, that wo n't be necessary. '' When I realized that I had already paid for treatment that I did not get I disputed the charge ( I had paid with m y Visa card ).  XXXX   credited my account {$750.00} " temporarily '' until they could review the disputed charge. They subsequently wrote to me and told me the they had closed their investigation and reversed their credit. They gave me no reason for their decision. I believe I am entitled to the credit.
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 XXXX, has violated my rights XXXX XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX, has violated my rights 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.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: Debt is not yours

XXXX XXXX Account No. XXXX On XXXX, A company shown as Macy's/CBNA was reported to my credit report per Credit Report. I have never signed an agreement with this company, and Nore have I ever heard of them. Upon further research, the debitor 's creditor did not verify this collection. Also, there was NO written form of communication/contract or written signature for this accused debt at ALL. A bill without a ( written ) signature does not validate the debt as anybody can send an invoice and say it's mine. According to FCRA, this company has violated my rights as a consumer. I'm looking into taking legal action to remove the fallacious account from my credit report immediately! I wanted to see if my dispute could be resolved by taking all necessary steps before taking drastic action.
Complaint sub-issue: Having problems with customer service

I had gotten XXXX student loans through Sallie Mae, the XXXX was a loan that would not require any payment till I was out of school. The XXXX I had applied for, to my understanding, would be the same as the XXXX. Come to find out a month and a half later I was behind on a payment of XXXX dollars. No big deal, but it was never explained clearly that I would have to make those payments while I was still in school. The six months then passed since I was out of school and I was to start making the payments on my loans, it was about XXXX dollars a month for XXXX not bad that 's deal-able, a few months afterwards my payments pretty much doubled, and I have been struggling to keep my payments up to date and current ever since, all to save my credit so there would be no bad marks on it from falling behind on a student loan. It was starting to get difficult so I had called looking for help but came up empty handed. So I tried to just deal with it. Well the time had come where I had finally fallen behind and had been late on a payment, so I called looking for help again. Again I came up empty handed, they did n't want to talk to me and only offered a forbearance. I then became two months behind and had called, again only offering me forbearance. Three months behind due to financial problems, and still the only thing offered to me was forbearance. I was finally able to get caught up with no help from Sallie Mae, but shortly after I received a letter in the mail from them. This letter consisted of options that could be offered to me and that I could apply for to help me with the process of paying my loans back. I called to ask about these options and was denied again. they told me they had no idea what letter I was looking at because they had no record of sending anything to me, both me and my cosigner received the letter the same day. I called and complained to Sallie Mae demanding to know about these options but because I was caught up they could no longer offer me anything other than, you guessed it, forbearance. I then filed a complaint with the XXXX and the next day Sallie Mae called to get my side of the story. Today I received the follow up call from talking with Sallie Mae, they were to review my case and find out what they could do for me. Again they gave me the same run around of you 're loans are current we cant do anything the only thing we can offer is forbearance. I have called and asked and asked and all I get is sorry we ca n't help the only thing we can offer is forbearance. All I want is help, but they have done nothing to help.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Unauthorized inquiry reporting on my credit file from XX/XX/18. The company refused to remove this inquiry off false premises.
Complaint sub-issue: Old information reappears or never goes away

There has been information published on a consumer report that I never gave either company ( XXXX, Equifax & XXXX  ) written consent or authorization to procure or produce with my information, according to 15 USC 1681b ( 2 ). Due to the nature of this consumer report, it has defamed my character to lenders, held me back from getting my home and a host of other things. There are accounts that have been disputed several times because of this violation and the said 3 companies above sends me results stating the derogatory alleged debts WAS DELETED. According to 15 USC 1692G debt collectors are required by law to meet the five requirements to validate any alleged debt, and also I the consumer have to officially validate the alleged debt, in which I did not validate the alleged debts in question on my consumer credit report. Another violation that has come to my attention is specifically with XXXX/XXXX. They violated 15 USC 1681B ( ii-iii ), stating if any information that has been deleted from a consumer 's file and is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than five business days after the reinsertion. I received no written notification that this alleged debt was reinserted into a credit file that I did not give permission to produce. Please DELETE the account below due to several violations of the law. The companies in question for the alleged debt are as follows : 1 ) XXXX/XXXX  XXXX ( Reinserted into EQUIFAX )
Complaint sub-issue: Information belongs to someone else

There are accounts on my report that aren't mine that need to be deleted.
Complaint sub-issue: Old information reappears or never goes away

XXXX XXXX  contacted me with a credit bureau report about a balance from XX/XX/2001, over 18 years ago. I am aware this is well past the statute of limitations to collect on and as well to report to the bureaus. To have this currently being reported on my credit score is not only incorrect but also a violation of the collection agency to still be reporting and/or collecting on.
Complaint sub-issue: Account information incorrect

XXXX XXXX is reporting an account on my credit. XXXX XXXXXXXX, the original creditor mistakenly sent this to collection even though I was covered by insurance. Out of good faith, I satisfied the balance and was told the account will be removed from my credit but it has yet to be done. Please delete this account from my credit.
Complaint sub-issue: Investigation took more than 30 days

hi XXXXhas a 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 XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. 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 severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX disputes were sent out to all three credit bureaus regarding specific accounts that are on my credit file that do not belong. In each case, nothing was sent to me but a standard " VERIFIED '' letter. No proof that the accounts had been legally verified, no proof that the dispute was even handled at all. Just a computer system sending out verified letters. I have waited over 90 days for the same thing each time. I have specifically asked for verifiable proof that the accounts I have disputed are mine. In the case that they are NOT mine, which they are not, I would like them removed immediately. As a consumer, I have the right to dispute incorrect items on my credit report and to have it handled the way it is suppose to be handled. Not some standardized letter that is sent out to 100 people an hour.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$1500.00} XXXX  XXXX Balance : {$0.00}
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I sent a certified mail return receipt letter to both XXXX and Equifax pursuant to my consumer rights listed in the Fair Credit Reporting Act. I have called and used mobile apps to submit disputes to no avail and my consumer rights were violated. Per the Fair Credit Reporting Act 15 USC 1681a ( 4 ) the consumer has a right to privacy and both XXXX  and Equifax have violated that right. Written consent was not given to either company to harness my personal identifying information which includes my credit card account ( social security ). XXXX  and Equifax are not government agencies and have a grave responsibility to the fairness, equity, and respect to a consumer. Also, per the Fair Credit Reporting Act, 15 USC 1681a. ( 2 ). ( b ) - any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; shall be excluded from the consumer report. Both Experian and Equifax are in violation of 15 USC 1681a. ( 2 ). ( b ) for having these extensions of credit listed on a consumer report. To further attached to this complaint are my written instructions as they pertain to me, the consumer, pursuant to 15 USC 1681b. ( 2 ). To further all items listed on the consumer report for me, XXXX XXXX, stated that the companies are the creditors which is false and misleading as I am the creditor per the Fair Debt Collections Practices Act. I demand all of my information be removed from the systems of both XXXX  and Equifax. Lastly when I submitted a request for deletion before the account was returned as verified. Per the Fair Credit Reporting Act who was interviewed to verify any first hand knowledge of accounts.