Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Application for car loan sent to several finance institutions.
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/XXXX I received an email alert from my credit card company regarding a charge from Bloomingdale.com for the amount of XXXX. I immediately contacted my Citibank to inform them that the charge was not me and to place a block on my card. I also attempted to contact Bloomingdale customer service on the same day to inform them of the fraudulent purchase. But was unsuccessful reaching someone because the company had been closed due to the Covid-19 situation. I tried calling everyday until I finally got someone from customer service today. Which was very unhelpful. I had to call the company 3 times trying to resolve this matter. But all three times the representatives would ask me for an order number on a purchase I never made. I received nothing but the run around from Bloomingdales. So I decided contacted Citibank again to file a dispute. And according to Citibank customer service rep it would be faster to contact the merchant and file a dispute with them. Because it's going to take up to 8 to 10 weeks to resolve the dispute with Citibank. Right now I am frustrated and upset becauseI don't know what to do at this point.
Complaint sub-issue: Reporting company used your report improperly

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Complaint sub-issue: Debt was result of identity theft

I am XXXX XXXX and XXXX am submitting this complaint myself and there is no third party involve.I 'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on JEFFERSON CAPITAL SYST. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Complaint sub-issue: Was not notified of investigation status or results

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX XXXX, US DEPT ED. Inquiries : XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXXXXXX, XXXX.
Complaint sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finish

US Bank refuses to provide me with proof of the XXXX XXXX property taxes they are trying to assess against me. The tax office says this VIN was not included in US Bank 's fleet bill. I 've disputed the amount with USBank and have requested proof of the amount owed. They refuse to provide yet continue to send demand notices. The contract states " You agree to pay all title, registration, license, inspection, testing, and other fees taxes and charges imposed by government authorities in connnection with the Vehicle, this Lease or any amounts due or payable arising from this Lease. '' If the City says my VIN was not included in the fleet bill to USBank and USBank has n't shown me where " charges were imposed '' then the amount of {$420.00} needs to be deducted.
Complaint sub-issue: Billing problem

I paid a payment of {$640.00} towards an extension agreement for the month of XXXX and XXXX. The original representative that processed the extension in XXXX ( before 30 days late ) did not send out paperwork and did not state that paperwork would be sent, she also stated that because the extension was done before being 30 days late it would take effect and that I was able to pay {$640.00} XX/XX/XXXX without penalty to credit reporting. I called in around XX/XX/XXXX again after receiving late notices, I spoke with a supervisor. The supervisor informed me that paperwork would need to be mailed out because I did not receive it nor did the previous representative state that. Supervisor stated extension would backdate to the month of XXXX and XXXX, the extension he created would be a {$0.00} fee because I already paid the fee and I would not have a payment due until XXXX. I still received late notices after conversation with supervisor and returning the paperwork in a timely manner, this went on until XXXX. I called back in at the beginning of XXXX during my grace period because my account was stating I owed almost {$3000.00}. I was trying to figure out what the actual amount of XXXX payment would be, I sat on the phone for XXXX hours and was told that the XXXX extension granted that was later redone by the supervisor was not even Processed at that current time and this was about XX/XX/XXXX. I paid {$790.00} towards XXXX because I incurred late charges because my extension was still not processed even though they did have the paperwork and payment, this payment for XXXX was also paid before 30 days late. I also pulled my credit report and found that ally reported to my credit, being late for XXXX, XXXX, and XXXX. I called back in about XX/XX/XXXX about credit reports, I was then informed that the supervisor made the extension for only XXXX and applied {$640.00} towards XXXX. Then still incurring late charges even though I technically had nothing due, I called back in and sat on the phone for XXXX hours. I was then told that the {$640.00} was applied to XXXX and that the supervisor went back in on XX/XX/XXXX and proceed an extension for XXXX. Therefore making XXXX and XXXX payments late because the extension wasnt processed or even done properly. They also reported my payment as late for XXXX whenever it is not, Ive called multiple times and get nowhere, Ive disputed the items with all XXXX credit reporting agencies and it still continues to be reported wrong after the investigation is completed. Ally told me they would fix this issue originally and to dispute it for faster results however every single time I call I get a different answer and get absolutely nowhere, this is ridiculous at this point. Ally will also not send me a copy of the extensions the supervisor created nor will they send me account information stating where the {$640.00} payment even went.
Complaint sub-issue: Their investigation did not fix an error on your report

I am submitting this complaint about XXXX credit reporting agency. I recently submitted a dispute with them in regards to my XXXX  mastercard. It is marked on my credit report that I was more than 30 days late ( which is incorrect ). Today XX/XX/2020 I received a report with the investigation results. It shows my previous activity then shows the results after the dispute. ( They are the same ) yet it notes that there were some changes. Due to some work loss being laid off from work due to the corona virus I had lost some work. My company had closed. I immediately contacted XXXX XXXX and advised them if they can work something out with me as far as payments till I return to work. I was told I can participate in a 3 month program where my interest rate will be lowered and my payments would be lowered. I stressed over and over that I don't want this to be reported to the creditors as late I was assured it would not be as long as I made the monthly payment. I even made more than what I had to make. I am still be marked as 30 days late. Which in turn is affecting my credit score in a very negative way. I contacted XXXX XXXX and told them the issue and was advised again that the 30 remark would be removed and corrected and was given an apology for the error. It was never removed. I was then told dispute it with XXXX  again. Well trying to submit a dispute online I can't do. There website keeps coming up with error message. I am upset that due to national disaster and loosing work affected my credit score like this.
Complaint sub-issue: Personal information incorrect

Current phone number as my contact is incorrect please update to correct phone number ( XXXX ) XXXX. Also a lien from XXXX pronth in my credit reports is not correct. I did call XXXX court and sent them proof of documentation years ago and they were supposed to remove it but it never did.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax is reporting inquires that two other companies have removed due to investigating these inquires did not belong to me. I was told to create an FTC report by several Equifax representatives which I did and they said I did not do the report right so I am completing another report ... .. I have 6 inquires that did not belong to me which are as followed : On XX/XX/XXXX, an inquiry appeared from XXXX XXXX XXXX. On XX/XX/XXXX, an inquiry appeared from XXXX XXXX XXXX. On XX/XX/XXXX, XXXX an inquiry appeared from XXXX XXXX. On XX/XX/XXXX, an inquiry appeared from XXXX XXXX. On XX/XX/XXXX, an inquiry appeared from XXXX XXXX XXXX  XXXX. On XX/XX/XXXX, an inqury from XXXX-XXXX.
Complaint sub-issue: Investigation took more than 30 days

XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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: Confusing or misleading advertising about the credit card

Citibank and XXXX XXXX XXXX have determined they will discriminate against law abiding citizens exercising their second amendment rights under the constitution by taking political, non-business-like actions to inhibit citizens rights. As second amendment advocates, we take exception to this marxist, political grandstanding and expect the CFPB to take action against these banks to prevent this political grandstanding. Further, as we work to take action against these banks, and, in turn, expect the CFPB to do the same, we are proceeding to terminate a more than 30-year relationship with Citibank and open accounts with their non-discriminating competitors. Your assistance and actions against this discrimination are essential. We need your help.
Complaint sub-issue: Account status incorrect

XXXX fraudulently reported several accounts on my credit reports using different names. Now, this company has re-aged this account on all of my credit reports ; making it appear that I had an account that was charged off in XXXX. They are reporting that I have negative payment history since XXXX. This is not true. The account was closed in XXXX. XXXX is reporting this false and incorrect information to XXXX, XXXX and Equifax.
Complaint sub-issue: Frequent or repeated calls

I've received numerous calls from AR Resources XXXX XXXX at XXXX. On XX/XX/18 at XXXX I spoke to an agent and asked to be removed from their call list. She confirmed that I would be, and yet I'm still receiving these harassing calls. I have no debt to be collected, so this call is not for me.
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 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 XXXX XXXX XXXX XXXX XXXX XXXX  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 USC 1681 s-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 in the inaccurate
Complaint sub-issue: Account status incorrect

i am disputing the four late payments reporting on my credit report from XXXX XXXX.i had never been late on those accounts and payment i demand that those late payments be removed.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX {$3000.00} XXXX XXXXXXXX {$630.00} XXXX {$18000.00}
Complaint sub-issue: Report improperly shared by CRC

EQUIFAX is illegally and unlawfully reporting information on my credit file. I 've asked for the following information : a ) Federal Reserve form XXXX registration statement, ( b ) Federal Reserve form XXXX ( b ) ( 5 ) prospectus, ( c ) Federal Reserve form FR XXXX balance sheet ( s ), ( d ) Federal Reserve form XXXX balance sheet ( s ), ( e ) Federal Reserve form XXXX balance sheet ( s ), ( f ) The Deed of Trust. ( g ) Chain of custody and They have not responded to my request. I also asked them to present a certified final forensic audit from EQUIFAX in accordance with g.a.a.p, I.f.r.s. in accordance with basel 3 accord and u.n.c.i.t.r.a.l. conventions. I also asked them to present these documents from the folowing vendors/creditors : XXXX XXXX XXXX-account : XXXX, XXXX XXXX account : XXXX, XXXX XXXX, and XXXX XXXX XXXX and they have failed to do so.
Complaint sub-issue: Didn't receive enough information to verify debt

I have been declined credit to purchase a home due to a collection account opened by your organization that devastated my FICO score. I have never heard from your company until my mortgage company informed me of the account you have reported. Under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) this debt was supposed to have been validated prior to reporting to the credit bureaus. They have made no attempt at all. Now that I have been given the information that you have reported this I must inform you that that ownership of said account was disputed. The attorney did not perform the services they charged me for and have gone out of business.
Complaint sub-issue: Can't close your account

I had 2 accounts with US bank. Towards the beginning of the month I thought my accounts had been compromised so I called to have them closed. I was told a hold could be placed. The hold was placed on the accounts for a day or so. I was still uneasy, so I called back to have both accounts closed. I was told they were both closed and I would be sent a check for whatever wa left in the account. A few days later I called back because I was thinking about applying for the simple loan which requires the account be opened for a certain amount of time. I wanted to inquire about the 1 of the accounts being reopened to do this. However, when I  called, I was told both accounts were still open. I then complained and spoke with someone else. I then learned only one of the accounts had been closed an it wasnt even the original one that I knew had been compromised ; also instead of closing the accounts the holds had simply been taken off unauthorized by me. They then closed the other bank account and reopened the old one, but unbeknownst to me the hold was not placed back on the account. Something then came into the account and I was charged a fee. I called the bank XXXX number to see what could be done as I was going to see about the simple loan with the hold placed and then close th old account and simply get new accounts all together. I was told I that customer service could not take care of such a thing and that only he home branch could do it. I was also told that I would recieve a callback from CS once the Branch opened and that they would reach out to my home branch on my behalf. The issue is 3 things, first, the hold should have never been taken off to begin with and a fee would not have been charged if that had been properly done, 2- it is ridiculous to have a customer service agency that refers you to the home branch which is completely useless, and 3, I dont like having a bank that can not act quickly in such situations, especially when in thought the accounts were closed and instead holds were taken off which ultimately compromised me. So, Im short, this was a bank error. I would like the fees reversed and my accounts permanently closed, US bank is not the bank for me. Also, they keep terrible notes. As I told CS who never reached back out to me, I placed  the hold and never authorized it or be taken off unless the account was properly closed, which it was not. I also asked for confirmation of the holds like at regular banks and they said no email or anything could be sent to confirm it.
Complaint sub-issue: Transaction was not authorized

Two unauthorized debits from money market account in two consecutive months by " Shop Your Way MC ''. 
( 1 ) XX/XX/2020 = {$20.00} # XXXX ( 2 ) XXXX XXXX, 2020 = {$22.00} # XXXX We tried to call " Shop Your Way '' but needed to give them our MC # ( We do not have a MC with them ) or our SSN ( No thanks ) Our bank is handling this problem but we want others to be warned.
Complaint sub-issue: Account status incorrect

This is not my account and I am not an authorized user on this, please remove this from all 3 of my credit bureaus. 

XXXX XXXX last reported XX/XX/XXXX Open Date XX/XX/XXXX Closed Date XX/XX/XXXX Last Date of Payment XX/XX/XXXX 2019
Complaint sub-issue: Problem getting your free annual credit report

on XX/XX/2021, I attempted to get my free credit report from Equifax using XXXX. As soon as I'm redirected to XXXX, I get a browser error ( ERR_CONNECTION_RESET ). I tried with a different browser and it didn't work there either. ( XXXX and XXXX ) In general, even when the Equifax website does work, I get an error after doing the identity verification, where it says the Online Delivery is unavailable. I then have to request the report via phone, which is an annoying process. 

Also, oftentimes, when I select multiple agencies on XXXX, the session times out before I can get all my reports. This requires starting over and filling out the form again, which is very annoying.
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX XXXX, I am submitting this letter to you to dispute many addresses, different variations, and spellings of my name of incorrect information that I found on this consumer report. Please remove wrong or fraudulent information. I have also included a police report and FTC Affidavit as I am and have been the victim of Identity theft
Complaint sub-issue: Account status incorrect

This agency is reporting inaccurate information on my consumer report and it has been affecting my livelihood for quite some time. I have attempted remedy for a number of years to no avail.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The is an inquiry on my credit from Discover Home Loans that I did not apply for or authorize.
Complaint sub-issue: Information belongs to someone else

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Complaint sub-issue: Account status incorrect

Account with Ally is paid in full. Still shows on all credit services. Ally said the reported paid off closed on XX/XX/2021. None if the credit companies have received payoff information. Ally states they will fax payoff letter and do not do it. I have disputed with each credit company. Still unable to get it removed from my or my husbands credit
Complaint sub-issue: Other problem getting your report or credit score

I have multiple trade lines on my credit report but I've been told that because they know I'm XXXX by identifying my social begins with XXXX and end with a XXXX I have a lower score then those that began with 200  or 100 which are XXXX.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED 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 An 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