Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status incorrect

Upon checking my credit reports recently Ally auto is showing derogatory. It also shows, although we are clearly in the middle of a pandemic, that I have 4 recent late payments in XXXX, XXXX, XXXX and XXXX which is hindering me from purchasing a home for me and my children. During that timeframe I was mistakenly under the expression that was still on a a deferment. Ive tried reaching out to Ally Bank CEO Mr. XXXX XXXX on MULTIPLE occasions via email with no response as to removing these most recent late payments and derogatory status so that I can make this purchase for my family and I. My account is current.
Complaint sub-issue: Account status incorrect

Equifax should not be reporting that I am ( 120 ) days late on the DEPTED/XXXX partial account numbers XXXX ; XXXX ; and XXXX. Equifax should not be reporting that I am ( 120 ) days late on partial account numbers XXXX and XXXX ; XXXX and XXXX ; XXXX  should not be reporting that I am ( 120 ) days late on partial account number XXXX. ( Please see pages attached from my credit report. ) ALL of these accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to late on any account that has a {$0.00} balance due. This false reporting of lates is seriously harming my credit score and need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report.
Complaint sub-issue: Old information reappears or never goes away

This XXXX XXXX XXXX was deleted almost two years ago and readded 3 months ago. This account is not mines and I have disputed in the past. 

XXXX XXXX XXXX {$4100.00} Closed Inquiries below : XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX  XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX All Banks XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Personal Loans XXXX 
XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Auto Dealer Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX In Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted The Bureau and XXXX XXXX on a matter that pertains to my credit. I have been a victim of fraud. I sent The Bureaus and XXXX XXXX a copy of my FTC affidavit via certified mail. I have an account on my credit that I did not open nor did I authorize. Prior to sending the affidavit I sent a letter to The Bureaus and XXXX XXXX to remove this fraudulent information from all three credit bureaus ( XXXX, XXXX, XXXX ) and The Bureaus and XXXX XXXX disregarded my request. I take pride in my credit and I have a XXXX score on my credit bureaus. This fraudulent account is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay The Bureaus and XXXX XXXX collection agencies could not provide that information. I want this information removed IMMEDIATELY!
Complaint sub-issue: Their investigation did not fix an error on your report

I am appalled by the ablitity of the Credit Bureuas to ignore a consumer 's requests to investigate and correct the information being reported on my Credit report desite the countless dispute letters and CFPB Complaints I have been sending. I have read enough to understand my rights which is clearly being violated by the Credit reporting agencies. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report 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: Debt was result of identity theft

XXXX XXXX client XXXX XXXX is an identity theft victim. Someone used his information to establish a fraudulent phone account with XXXX XXXX XXXX without his consent. A dispute of identity theft was sent to XXXX XXXX XXXX however they have refused to release XXXX XXXX of this debt ; their stance is a FL state drivers license was used to establish the account and that license information was XXXX XXXX XXXX.  This account inquiry and the associated collection account activity has been and is still, being reported to XXXX XXXX credit reports. During the previous attempts to dispute this account XXXX XXXX XXXX has requested XXXX XXXX to provide various documents to verify his address during the stated time the account was opened, to which he complied and provided. This issue has also be escalated to the State Attorney General of Florida because of XXXX XXXX XXXX continued violations of federal consumer rights of my client. As of XXXX/2017 an official account disclosure request was mailed to XXXX XXXX XXXX Office of the President in order to get ALL the information associated with this account. XXXX XXXX XXXX has maintained they have a right to continue to harass XXXX XXXX concerning this account based solely on a divers licenses being presented at the time of the activation however when asked to provide that information ; as is their obligation under both federal laws of the FDCPA and the FCRA ( since these items are reporting to the credit reports of my client ; XXXX XXXX XXXX failed to provide any of that data. In addition my client has received another collection notice concerning this account ; an account that XXXX XXXX XXXX has not yet provided ANY ACCOUNT DISCLOSURE for.
Complaint sub-issue: Their investigation did not fix an error on your report

Lexis Nexis is reporting an inaccurate bankruptcy on my credit report. I initially thought that the ORIGINAL creditor which is the bankrupty court was the one reporting this INACCURATE information to lexis nexis but they responsed to me that they do NOT VERIFY this information with the credit reporting agencies are third party such as lexis nexis
Complaint sub-issue: Problem during payment process

I had an unusually large bill this month ( {$17000.00} ) and made an early payment in order to avoid any fees. I called several times to cancel my autopay and was told that it would automatically cancel out and not hit my account. I called back a 2nd and 3rd time and was told that the payment was processing and that they couldn't stop it but would be able to issue an immediate refund once it posted. 

A second ( overpayment ) draft of {$17000.00} hit my checking account several days later and I called to request a refund. They processed the refund but told me that the refund would take 17 days. I asked them to escalate/expedite the refund but they told me that they would not do so. My mortgage and other bills are now in danger of being paid late because of their mistake, misinformation and delay in refunding my overpayment. No one in their customer service department seems to care about helping their customers.
Complaint sub-issue: Public record information inaccurate

Discharged Chapter XXXX reference # XXXX Should have been removed as of XX/XX/2017 Currently hurting my credit score and the ability to rebuild my credit.

Credit history is reporting that it is only 3.5 years old. However, I have accounts such as XXXX XXXX that reports an open account for 6.25 years and 4 years.
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

I am writing in response to the enclosed letter from Citibank concerning my request to increase the revolving credit limit on my Citi / Advantage Executive Wold Elite Mastercard. The letter states Citibank is unable to approve the request because when reviewing your account history with us, we saw a bankruptcy and/or charge-off on a Citi issued credit card. 
I have no history of bankruptcy or charge-offs with any debtor. I have conducted a review of information being reported by the credit bureaus and confirmed no derogatory information is reflected on my credit reports. I assume Citibank is basing their decision on information contained internally at Citibank. 
I have contacted Citibank Customer Service and was advised that they have no way of initiating an investigation to correct potentially erroneous issues as this is an automated system that makes these decisions.
Complaint sub-issue: Didn't receive advertised or promotional terms

While making a purchase on HomeDepot 's website, homedepot.com, on XX/XX/2020 I was prompted with a promotional offer to sign up for their store credit card and I would receive {$100.00} off my $ XXXX purchase. I signed up for this credit card through the website, was approved, and paid for the purchase totalling {$1300.00} with the store credit card. I did not receive any discount at the time of purchase, and when I called the customer service line I was told it would show up as a billing credit on my next statement. 

Today, XX/XX/2020, when reviewing the billing statement that included this purchase there was no credit applied. I called home depot 's customer care team a second time, and was told that I would need to call the issuing bank in order to have this resolved. I then called the home depot consumer credit card support line ( XXXX ) which is run by Citi Bank, and was told that they were unable to assist me at the current time and I would have to call back in several hours to see if they could submit a case to their back-office. 

The run-around I am being given to receive the promotional credit I was promised is unacceptable, and is clearly designed to ensure people do not actually receive the credit they are owed.
Complaint sub-issue: Reporting company used your report improperly

REMOVE UNAUTHORIZED HARD HIT CREDIT CHECK AND TERMINATE UNAUTHORIZED CREDIT CARD APPLICATION Dear CFBP Supervisor : I just saw on my credit report that XXXX initiated an unauthorized " hard hit '' on my credit report. ( Credit report attached ) I am writing to request that XXXX immediately REMOVE the " hard hit '' on my credit report and to the credit card application they processed without my consent or knowledge. 

Background : This is ( again ) another egregious misconduct by XXXXs branch manager, XXXX XXXX, at the XXXX XXXX office. Beginning on XX/XX/2019, I had to contact XXXX Customer Service continuously for several days about the mishandling of my Premier Account. I also left messages for the branch manager.

Finally, the manager called me on XX/XX/2019. XXXX XXXX was unprofessional and ill-prepared for the call. He did not have any information on my account. Then, as he searched on his computer, he could not locate it. I had to look up my account number to provide to him. I told him that I NEVER authorized or consented to any credit check or asked for a new credit card. XXXX XXXX confirmed that XXXX did NOT process any credit card or overdraft services on my account. After seeing how poorly he was handling my account and his rude tone -- I had no confidence in this branch manager. Thus, I requested a written confirmation of what he told me. See email attached here ( Exhibit 1 ). 

However, XXXX XXXX lied and misrepresented to me about XXXX 's actions. Contrary to what he had confirmed in his emailXXXX XXXX DID run a hard hit credit check. The result is evidenced on my credit report, attached here ( Exhibit 2 ). 

Did he even check the information BEFORE confirming with me? This was very unprofessional to mislead clients with false information. 

In my entire life of banking, I have NEVER had to write to any bank about their terrible customer service. I had to ask XXXX to remove my account from XXXX XXXX 's branch altogether -- to another location with professional staff, per letter attached here ( Exhibit 3 ). 

Then a week ago, I received two phone messages from XXXX that they are sending me a new XXXX MasterCard credit card and they instructed me to call the phone number on the card when I receive it. ( I saved the messages ). I have NEVER signed up for an XXXX credit card. This latest episode by XXXX has caused me great anxiety. It also triggered me to check my credit reports -- which showed that they also ran a " hard hit '' on my account without my consent. 

First, I am writing to request that XXXX immediately remove the hard hit on my credit report and provide documentation this was done. 

Second, I have never applied for any new XXXX credit card. I request that XXXX immediately cancel any XXXX credit card and provide me a written confirmation of termination. 

Please find the three documents referenced above ( Exhibits 1,2 and 3 ), attached here. Feel free to reach me with any questions.
Complaint sub-issue: Account terms

XXXX XXXX XXXX is an account that was originally opened in XXXX of XXXX, was then sent to a collection agency named XXXX and eventually paid off in full in XX/XX/XXXX. I had printed a credit report in XX/XX/XXXX to get the status of when the items, XXXX XXXX and XXXX XXXX, would be removed from my equifax credit report and it was noted that it will be removed in XXXX of XXXX. I recently inquired to a credit bureau representative about late payments to another account that should be removed and upon confirming the removal of XXXX XXXX and XXXX XXXX from my XXXX credit report in XXXX of XXXX, I was informed that the date was changed to a time in XX/XX/XXXX without any legitimate reason. I am disputing the fact that I should n't have to wait an extra XXXX years to have items removed from my XXXX credit report when its was verbally expressed and stated on my equifax credit report that the items were going to be removed in XXXX of XXXX. I have the original copy of my XXXX credit report if it is needed to confirm my dispute
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

For the past several months XXXX XXXX XXXX ( XXXX ) has been reporting my mortage balance incorrectly. I purchased the home for {$260000.00} XX/XX/XXXX. My loan was placed on a forbearance then approved deferment in XX/XX/XXXX for the months of XX/XX/XXXX to XX/XX/XXXX. XXXX is reporting that the original loan amount is for {$280000.00} to all 3 credit agencies. Also they are reporting that my current principal balance is {$260000.00} both of which is more than the purchase price of the home. Also on thier website it shows my balance as {$250000.00} however reporting that i owe more. 

I called an attempted to dispute this, spoke to several employees and finally escalated to a supervisor Mrs XXXX on XX/XX/XXXX for over an hour. She advised she was going to follow up with no later than XX/XX/XXXX. She could not rectify why my loan is inaccurately reporting. Where my payment from XX/XX/XXXX to XX/XX/XXXX of {$1500.00} ( total : {$23000.00} ) were applied and why the balance is more than the orginal loan amount. 

My expectation once my deferment was approved was that all the payment would be tacked to the end of the loan, not added as additional money owed. thats charging twice. 

I followed up with XXXX when I did not receive my callback and the agent and new supervisor stated they are unable to locate Mrs . XXXX Employee Id : XXXX. 

I have already submitted a dispute with the credit agencies ; however this company has negatively impacted my credit and takes no responsibility of ownness to rectify the situation. 

I am looking for immediate resolution and financial compensated for the negative impact to my credit report
Complaint sub-issue: Problem using a debit or ATM card

On Date XX/XX/XXXX there was an unauthorized charge on my PNC debit card for {$100.00} made at a gas station in XXXX XXXX about 50-60 minutes from where I live. I have never been to that area in my life. On XX/XX/XXXX, there was another unauthorized charge of {$99.00} on my debit card also at a gas station in the same area as the previous transaction. My debit card was in my possession at all times and I did not lose it or let anyone borrow it. I called the bank on XX/XX/XXXX when I saw the transactions and reported the fraud. The bank never advised me to contact the merchant, as a matter of fact, I asked for the merchant address and they told me they did not have the information and told me to XXXX it, nor did they tell me that it was necessary to file a police report. They temporarily credited my account. I received a letter on XX/XX/XXXX that my claims had been denied with no explanation why and was told that the money would be withdrawn from my account. I called the PNC fraud department and was told that I should've known that I had to call the merchant and file a police report without being told to do so. They were extremely rude and unhelpful. Finally after asking several times how this bank protects my account from fraud, without an answer, my concern was sent to the escalation department. I received a phone call from them the same day along with an email. I called the phone number and left a message to the escalation manager who sent me the email. She never returned my call. I wrote her an email as well and she never replied to the email. I called the XXXX number and waited for another escalation manager to help me and got through to someone and explained what was happening. He stated that my claims were denied because other charges on my account hadn't been reported. I told him that the other charges were valid and I made them and they had nothing to do with the two fraudulent charges I didn't make. This makes no sense. 
He said he was going to submit the claims again for another investigation so that I can have my money returned to me. This was on XX/XX/XXXX. I received a letter in the mail dated XX/XX/XXXX stating that my claims were denied. I don't understand how a proper investigation was done in two days. I also called the police and filed a police report on Friday XX/XX/XXXX reporting this fraud. I called the escalation department and advised them that I filed a police report and to call me back so I can give them the report number. No one called me back. I'd also like to add that I've had a mortgage with PNC since XXXX as well as a bank account. I've had nothing but terrible customer service and feel very unsafe in keeping this bank account open.
Complaint sub-issue: Information belongs to someone else

It has been numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific record in my document coming about because of the wrongdoing. The record I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Related OPEN Cases : CFPB # XXXX TO WHOM IT MAY CONCERN, I believe these documents should be shared with the companies that are involved in my Identity theft which are XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXe XXXX and whomever else CFPB Seems appropriate. 

I 've attached a document that will explain my complaint. This is an additional complaint in reference to my 13 years of continual identity theft that CFPB has greatly assisted me with. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ***THE 2 DOCUMENTS THAT WILL EXPLAIN MY COMPLAINT ARE CFPB LETTER TO XXXX XXXX AND LETTER TO XXXX XXXX XXXX XXXX THE REST ARE SUPPORTING DOCUMENTS. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Note : Please mail all hard copies to my address b/c my online access has NOT been accessible since the first complaint. For some reason i can not get access to it and have gave up on attempting to resolve this issue. 

NOTE : POLICE REPORT IS INACCURATE B/C MY ADDRESS IS NOT XXXX XXXX XXXX XXXX, XXXX, IA XXXX. THAT ADDRESS IS THE SUSPECT ON MY POLICE REPORT, XXXX XXXX. 

THE SUSPECT, XXXX XXXX WAS UNEMPLOYED FROM XXXX. XXXX XXXX DID NOT RETURN TO WORK UNTIL XXXX WHICH MY MOTHER GOT HIM A JOB WITH HER WHICH THEIR TAKE HOME AFTER TAXES IS A LITTLE BIT OVER XXXX, AND HIS DIVORCE WAS NOT FINALIZED WITH HIS EXWIFE ( a victim of abuse by suspect XXXX XXXX ) UNTIL XXXX, WHICH HE HAD XXXX KIDS STILL IN SCHOOL AND HAS BEEN WORKING A REGULAR LABOR JOB AT " BASE PAY, AND THE XXXX, XXXX XXXX IS ALSO ABUSING MY MOTHER BOTH PHYSICALLY AND MENTALLY, which was discovered in XXXX, and is when XXXX XXXX from the XXXX XXXX XXXX XXXX requested the letter I attached below Thanks Respectfully and Sincerely, XXXX XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

Did send request for validation of debt, have yet to hear anything.
Complaint sub-issue: Information belongs to someone else

Equifax has been neglecting my requests for the removal of the fraudulent information on my file despite the multiple written appeals that I have been sending to them. The last letter I sent to Equifax was XX/XX/2022, with complete attachments of my personal information to remove the account and information reporting on my file that is completely UNKNOWN to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any accounts or information not later than 4 business days after XX/XX/2022. Ive already included this account in my previous Complaints & I am including them again : XXXX XXXX XXXX  XXXX XXXX
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX  sent this company a letter to delete and update in XXXX to delete this account from my credit file on XX/XX/2021. I confirmed twice with the company, yet it is still being reported on my credit file. The companys update every beginning of the month. Its been almost XXXX weeks since XXXX XXXX XXXX asked this to be deleted and you are stop reporting on my credit. At this point its defamation. Shouldve been deleted on XX/XX/XXXX when reported to be deleted