Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Company closed your account

I made several calls to Elan Financial services prior to a major purchase, after making an {$18000.00} payment. I called in advance and several times throughout the experience to ask for guidance and get help. Along the way I was apologized to and encouraged to make the large transaction purchase. I was very thorough in my explanation of the purchase and received assurance each time I called that there was an error on their side and I should returned to the store for the purchase. Ultimately my purchase was declined, despite being well within my credit limit. I was also assured by multiple levels of fraud and customer service personnel that my account was fine. After 3 days of calls and assurances my account was closed for high risk transactions. I received a letter accusing me of lying on my application or not keeping my commitments. I have never missed a payment and recently paid off the account in full. This is unacceptable. I want a high level director or above to listen to each call ( they are all recorded ) and explain how I was at fault in any way. I will be filing this complaint with all applicable regulatory and consumer protection agencies.
Complaint sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finish

Leased a vehicle at an Audi Dealer in XXXX, VA ( XXXX County ) with Audi Financial Services ( AFS ). At the end of the lease ( XX/XX/2019 ) the car was returned with no damage and significantly under the lease mileage. Dealer accepted the return and told us there was no other charges, our lease is over and the vehicle was accepted. Six weeks later we received a {$350.00} lease termination fee from AFS, which was in the contract but we assumed was waived. The bill was marked as a lease termination. We paid the {$350.00}. Over 6 months after lease end ( XXXX ) we received a bill from Audi Financial Services for {$320.00} marked personal property tax ( attached ). After several calls we got through to someone who could answer a question about the charge. The AFS agent told us that it was a bill for 12 months of personal property tax ( all of 2019 ), despite the fact that Audi had the car since XX/XX/2019. He said that they may be able to prorate it if we wired them the money ; however, they would not provide a revised invoice or detailed explanation for the {$320.00}. Per the agent they are passing on the amount of full 2019 personal property tax bill to us. Personal property tax was billed by XXXX County to AFS as the vehicle owner. They explained we could get " money back '' from XXXX County and asked us to contact XXXX County, despite the fact that we didn't own the vehicle nor get tax bills from XXXX. Our AFS account no longer showed our detailed payment history since our account " was closed '' at the end of the lease per the agent. We requested additional detailed payment history ( attached, but not very detailed ). We escalated the call to a manager and they refused to provide a new invoice nor waive the fee. They threatened to send us to collections instead of sending us an invoice for the prorated personal property tax fee. We checked our historical records and determined we payed AFS for prior 3 years of personal property during the lease ; however, this {$320.00} was for the entire 4th year. AFS appears to be systematically overcharging XXXX County Residents by passing through taxes without proration. We contacted Audi XXXX support and over the course of several weeks they attempted to get resolution via the dealer network. Audi XXXX was unable to waive the charge, claiming Audi is different company from AFS. Audi didn't stand behind their lease.
Complaint sub-issue: Account status incorrect

CFPB + XXXX + Hunter Warfield, On my XX/XX/2022 it says there is a collection account from HWARFIELD- not only do I not know whom this creditor is- they have re-aged this collection account which is a violation of FCRA compliance. 

Attached to this complaint are : - drivers license - social security card - address - written complaint + screenshot from credit report where its located I demand this account, which does not belong to me, and has been illegally re aged, be removed from my XXXX credit account immediately.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. 


According to the FCRA legally unverified and unauthorized inquires must be removed from my credit report. 

Inquires are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

I have disputed this account ( XXXX XXXX ) with the creditor, as well as with the bureaus that are continuing to list this account. This account was closed years ago and Equifax is still continuing to show the account as open on my credit report. Numerous disputes have been filed and the dispute letters return back to me stating the creditor XXXX XXXX verified that this information is accurate. This information in NOT accurate. The account is CLOSED!!! Why are they continuing to list this account on my credit report as an open account. I demand for this account to removed from my credit report immediately or I will sue both Equifax and XXXX XXXX for failure to comply with the FCRA rules. Im tired of this. All this is doing is dragging my credit score down. The proof is clearly herethe account is showing as an open account. 

XXXX is also reporting just recently this month XXXX that the account has a negative status. No more reporting on this account should be taking place. Both you credit bureaus are continuing to report inaccurate information. Please stop immediately!!!! I will sue you for this defaming information. Remove it immediately!!!
Complaint sub-issue: Was not notified of investigation status or results

I sent in my police report and my notarized affidavit to the three credit bureaus and LexiNexis I received paper work from LexiNexis showing they have deleted the fraudulent account XXXX keeps sending me results saying the Company verified this fraudulent account when that is not true the company Lexis Nexis provided me documents and letters stating they did not Verify any thing i even called them and spoke to a rep who looked at my Lexis Nexis file and stated they are not reporting any Bankruptcy on my file and requested all three credit bureaus to remove the inaccurate and fraudulent account. I have Enclosed all documents and corraspondence with this Compliant. I called last month and talked XXXX XXXX Fraud department who asked me to send in my fraud package. After sending to them they did not comply with anything and said they dont have to block the fraudulent account even after going to Los Angeles police dept and filing a police report in person. They sent me some generated latter saying if i want to block the fraudulent account to send in my Police report affidavit that i have already provided. I have done everything in my power to fix this fraudulent information that has caused me great damage and embarrassment also with emotional distress, Defamation of character. Enclosed is the 3 updated credit reports showing that XXXX and XXXX are not reporting this fraudulent information XXXX is the only reporting agency who is knowing and willingly reporting the inaccurate and fraudulent information. Please not they are not investing anything and just responding with some auto generated letters.
Complaint sub-issue: Information belongs to someone else

I finally looked into my credit and saw Multiple accounts from PHEAA After researching, I found out that they are a student loan company I've never encouraged if never incurred any stolen loans because I did not go to any schools so I demand this get deleted from my credit report ... ... ... Remove/Delete Pursuant to the FCRA & the FDCPA I now exercise my lawful right to question the validity of this debt your agency claims has come due.

Fair Credit Reporting Act 5 609 Disclosures to consumers : ( c ) ( 2 ) ( E consumer reporting agency is not required to remove accurate derogatory information from a consumers file, unless the information is outdated under section 605 or can not be verified.

Fair Credit t Reporting Acts 611 ( a ) 1 ( A ) Procedure in case of disputed accuracy : Reinvestigation of Disputed Information ( ) Reinvestigation Required n general Subject to subsection ( f ), f the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is dispute by e consumer and the consumer notifies the agency directly. or indirectly through a reseller, of such dispute the agency shall, free of charge. conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information. or delete the item from the File in ( 5 ), before the end of the 30-day Period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Fair Debt Collection Practices Act section 8o ). Validation of debts : [ b ) If the consumer notifies the debt co writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of
Complaint sub-issue: Information belongs to someone else

I submitted a police report to equifax stating inaccurate information on my credit report due to fraudulent activity. They returned the information as verified and belonging to me. The account is fraudulent and I didnt sign paperwork for the account of XXXX XXXX XXXX This continues to report on my credit profile.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX I sent this message to XXXX XXXX about a purchase I return I made last year that was NEVER refunded. I returned two items on the same day, one was a fan and one was a fireplace. I dropped them off at the same place ( XXXX ) and theres VIDEO FOOTAGE of me returning the item. I received a receipt. A few days later I received a refund for the {$100.00} fan, but NEVER for the {$360.00} fireplace. I would like that amount to be credited to my account. ( I've attached proof ) I sent the message below to wayfair card on XX/XX/XXXX and they've yet to respond. Even though they are supposed to respond within one business day.

" Hello! 

I returned two items to XXXX last year. The smaller item return was posted to my account, but the other item, which is worth over {$300.00} still hasn't been credited to my account. I returned both items at the same time. 

Please help! ''
Complaint sub-issue: Reporting company used your report improperly

I am part of the 2017 exquifax security breach in california
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In review of my Credit Reports, I noticed there were unauthorized inquiries listed. I never received correspondence that my credit was pulled using these sources and equifax did not have permission to furnish my report to these creditors listed below. 
Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX
Complaint sub-issue: Debt is not yours

Agency : ERC is not a bonded agent in the state of Florida. 

Original lender : XXXX XXXX XXXX XXXX Amount : {$130.00} XXXX  acct : XXXX XXXX acct : XXXX Placed for collections XX/XX/2016 I  have attempted multiple calls to this company informing them that this debt does not belong to me. There response is to send me collection letters. Furthermore. I receive daily robo calls from this company, at least 7 per day. I have been at my current address for greater than 5 years and have and at no time in the past have I had an account with att and wireless.
Complaint sub-issue: Reporting company used your report improperly

The following accounts are reporting by XXXX XXXX XXXXwithout my consent or written prior authorization. 

Pursuant to 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. 



XXXX XXXX XXXX, south carolina for XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, south carolina for XXXX XXXXk. 
XXXX XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020, I mailed a letter about inaccurate accounts on my credit report. It has been well over 30 days and I haven't received results.
Complaint sub-issue: Information belongs to someone else

Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report.

These unauthorized/fraud inquiries have been the reason for my credit denial and hardship.

I found I was not the one who authorized this inquiry, I'm asking that that be removed immediatelyfrom my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 

If you find that I am in error, then please send me proof of this.
Complaint sub-issue: Can't close your account

CITI bank confirm sit closed my CIT-AA account on XXXX and a COMPLTE freeze of my account. 
but the account was opened multiple times fradultenly XX/XX/XXXX and XX/XX/XXXX -- all got closed latest XXXX another card was issued and i never got it but for charges they call me all are Fraud charges and they are asking me to make minimum payments
Complaint sub-issue: Transaction was not authorized

On XX/XX/XXXX, US Bank Collections Department illegally ( without a Court Order ) and without my consent debited my personal checking account ending in XXXX, in the amount of {$2000.00} ; for an outstanding collection balance due from a non-related commercial business account ( Midwest XXXX XXXX ) that I was linked to as a registered agent from XXXX, account ending in XXXX and that the they said had been written-off in XXXX. I was merely a registered agent of the incorporated business from XXXX and am not financially liable for any debts owed by that company under the laws of State of Illinois and United States of America . I contacted US Bank Collections on XX/XX/XXXX, via phone and spoke to Supervisor XXXX within the US Bank Collections Department. I explained that I was not associated with the business entity anymore, that I had never received any prior notice about the debt and that they had made a mistake by illegally seizing the funds from my personal checking account without a Court Order. I asked them twice to return the funds to my personal account as it had caused me severe financial harm and I was unable to support my living ( couldn't afford food, medical or basics ). He informed me that I did not meet the hardship guidelines set by the bank and that they would not return the funds. 

On XXXX, XXXX, XXXX, I submitted a complaint to the CFPB regarding this matter. Complaint # XXXX. 

On XX/XX/XXXX, US Bank replied to the complaint and blatantly admitted that they intentionally violated FDCPA ( Federal Law ) by illegally seizing funds held by a registered agent of a Corporation ( not funds of the Corporation ), without written notice as required under Section 27 of their terms set forth within the agreement they provided. The company also did not provide proof of evidence of an original signed and executed Agreement, between the Parties, showing that they had any right to collect the debt for which they claimed they were owed. The company is clear violation of various State Statues and Federal Acts, and all information received will be forwarded to the appropriate State Attorney General and United States Attorney Generals ' Office for review. 

I am asking that is matter be re-opened an an investigation be completed, based on the new information provided by the Respondent.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person
Complaint sub-issue: Didn't receive notice of right to dispute

XXXX XXXX XXXX/ XXXX / {$9100.00} XXXX XXXX XXXX/ XXXX / {$440.00} XXXX CARD / XXXX / {$2900.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).
Complaint sub-issue: Indicated you were committing crime by not paying debt

I was contacted XX/XX/20 and again today XX/XX/20 from XXXX by a XXXX or XXXX XXXX claiming to be from FMA Alliance on behalf of XXXX XXXX  for a debt collection of $ XXXX. Wanted me to verify my information, which I would not do. 
Contacted XXXX XXXX directly on both occasions whom verified I have a positive account and nothing in collections.
Complaint sub-issue: Their investigation did not fix an error on your report

I have tried to resolve this matter regarding an alleged debt with   XXXX   XXXX    and the credit bureaus. However I have been assisted in no way by any of the mentioned parties. I have never had a  XXXX  account. I contacted the company and ask them to provide me with a contract that would show I agreed to any sort of terms and conditions and they failed to do so. They provided me a partial bill that had some sort of return deposit, early termination fees, and usage charges for a number that does not belong to me. What they failed to provide me with is a contract or any documentation that I signed. After receiving no resolution with  XXXX  I then contacted the credit bureaus my credit report was updated as account meets FCRA requirements but no documentation was provided to me on how they validated this account. Aft er the 2nd attempt  my report has been updated to say reinvestigation accounts meets FCRA requirements consumer disagrees.
Complaint sub-issue: Attempted to collect wrong amount

The creditor CITIBANK ( aka CITI Simplicity credit card ) wrongfully accessed and attempted to collect interest not earned on a paid in full credit card balance. The CITIBANK Simplicity credit card monthly billing statement includes language that you can avoid additional interest from being charged by paying your balance in full on or before the due date. I paid my balance in full on or about XX/XX/XXXX with the due date of XX/XX/2019. When I received the next months ' statement CITIBANK had charged me an interest amount through XX/XX/2019. Worse case they charged me an overage amount for at least 4 days. Although the amount was small, and less than {$2.00} I still called to complain and requested the amount be waived. The CITIBANK phone representative told me that CITIBANK charges interest from due date to due date. I asked about the language on the monthly statement to which she had no answer or explanation. Although CITIBANK did waive the interest charge in my case this is still a false and deceptive practice which I am sure is affecting the majority of CITIBANK 's credit card customers. If thousands and thousands of consumers are overcharged each month by a dollar or two each month in unearned interest that amounts to millions in false profits to this institution..
Complaint sub-issue: Information belongs to someone else

Unfortunately I have been a victim of identity theft and the accounts listed below are fraudulent, I have faxed and mailed documents to all 3 Credit bureaus seeking remedy per the FCRA but have yet to get any help so I am hoping the CFPB can help me in this case. Please remove these accounts immediately. 

Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account Number : XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX  ) Account Number : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX  ) Account Number : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Account Number : XXXX
Complaint sub-issue: Was not notified of investigation status or results

On XXXXXXXX XXXXXXXX  I started the dispute process for 4 accounts that have reported errors to my Equifax credit report. I sent my letter directly to Equifax and waited the required 30 days when I did not receive a response I sent them a 2nd letter advising that I had sent a dispute and provided them proof that the letter was received along with a copy of the original letter and my photo ID and proof of address. And waited another 30 days and still have not received a response. I gave them additional time due to the holidays to respond to my disputes and they have yet to respond. So I am filing an official complaint. It is my understanding that under the Fair Credit Reporting Act if the credit bureaus do not respond to my dispute within 30 days, the items disputed are required to be removed from my credit report. Attached to this complaint is a copy of the original letter I sent as well as the 2nd letter and proof that both letters were received.
Complaint sub-issue: Card was charged for something you did not purchase with the card

In XX/XX/XXXX I authorized my parents to use my Citibank credit card to buy scooter chair for {$5300.00}. When I later saw charge on statement didnt recognize charge and reported as fraud. Citi credited my card and issues a new one. By the time I realized the mistake my mom had already been reimbursed and contacted vendor and paid for the scooter in full. Because I had wrongly reported charge as fraud I called Citi as a courtesy to tell them it was a mistake not a fraud and I had paid with another card. For some reason Citi arbitrarily charged my card again. For six months I have been calling Citibank trying to resolve. I even called the vendor and they sent me proof that the had credited my account because there records did show a double payment. I sent that proof to Citi on XX/XX/XXXX. Yesterday after 2 hours and 32 minutes on the phone with Citicard I was informed that they have closed the case and are done with it. ( I can document at least 12 phone calls which exceeded 6 hours in total ) When I demanded to talk to a supervisor they hung up on me. In short Citi wrongly charged my card, received refund from vendor and is now saying they didnt receive it and I must pay.