Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

I purchased a vehicle from XXXX ( XXXX XXXX XXXX XXXX, XXXX SC ) in XXXX. I have had several problems with the vehicle, receiving empty promises for the issues to be fixed. Once I started to file complaints with XXXX, XXXX, etc, XXXX began sharing my credit information falsely, saying I was denied credit.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

Under 12 USC 83 no bank can loan credit. Under 15 USC 1692 when consumer disputes debt a cease and desist from collection of the debt until verified. A request of securization analysis report only to prove the debt owed and proof the credit came from TitleMax and they were not just acting as a trustee to a deceased estate. All responses not done by affidavit only will be rejected as false and default with a notice of settlement for the inducement of fraud by non disclosure of where the money came from.
Complaint sub-issue: Old information reappears or never goes away

Over the past year and a half I have been trying to correct an erroneous account on my credit report. The account XXXX XXXX is old dating last activity to XX/XX/2011.Every time I attempt to get these 3 bureaus to remove it because the amounts, the status 's and the dates of last activity are all inaccurate and unverified to me after 30 plus days after each of my disputes the deny me and ignore my pleas. Instead of properly and lawfully deleting this account they are constantly changing dates around, statue 's of the account and changing the personal statements noted to the account. I don't understand what sort of investigation they are doing, who and which company they are verifying information with but it is extremely frustrating and damaging to my credit. They are not updating me on the descriptions and procedures taken to verify that it is old. Please enforce the law and have Equifax, XXXX and XXXX follow FCRA laws and guidelines so that I am no longer personally affected by misinformation or inaccuracies.
Complaint sub-issue: Information belongs to someone else

Hello I have inquiries that are not mine and few accounts that appeared just recently. I am victim of identity theft and I feel that my personal information was used or I guess its poor reporting and bureaus just filed unknown items to my personal report. They are killing my score, please figure out why I have them and delete immediately
Complaint sub-issue: Debt was paid

I received a call from a debt collector, UNIFIN, regarding a debt from the year XXXX. This account was paid off in XXXX via a third party. Unfortunately, I don't have this record from 15 years ago. I contacted the original creditor, XXXX/XXXX  and they have no record of this account. 

In XXXX, I was being harassed by XXXX XXXX XXXX and mistakenly made a payment of {$20.00} out of distress. This account is over XXXX years old and was settled over 15 years ago. 

Amount : {$1500.00}
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2020 I registered my daughter for the XXXX XXXX XXXX XXXX scheduled to take place on XX/XX/2020. I paid {$420.00} for the camp via one of XXXX websites, XXXX ( see attached [ XXXX XXXX XXXX ] ). 

On XX/XX/2020 XXXX XXXX cancelled the in-person camp and moved it online ( see attached [ XXXX XXXX XXXX ] ). XXXX XXXX gave the option to move to an online camp, but no option for refund of the service they were not going to provide. 

On XX/XX/2020 I declined XXXX XXXX offer for the online camp ( see attached [ Online Camp XXXX ]. 

On XX/XX/2020 I initiated a chargeback against XXXX for {$420.00} since XXXX XXXX never provided the in-person camp I paid for and did not issue a refund. 

On XX/XX/2020 XXXX XXXX of XXXX via email asked me to confirm that the {$420.00} charge was accurate, and to sign a letter of non-dispute. I responded that same day declining to do these things. Again on the same day XXXX XXXX responded back Thank you for letting us know. This entire email thread is attached [ XXXX email XXXX ]. 

In their response to Citibank regarding the chargeback, XXXX claims Cardholder likely did not recognize the charge. Despite multiple emails and phone calls, cardholder has not responded. ( see attached [ Citibank dispute resolution.pdf, page 3 ] ). This is a lie. As the email chain referenced above shows, I responded to XXXX and they acknowledged my response. Additionally in the documentation XXXX sent to Citibank, XXXX also included a copy of these emails ( see attached [ Citibank dispute resolution.pdf, page 6 ] ), further evidence of XXXX lie. 

On XX/XX/XXXX, believing XXXX 's lie, Citibank closed the dispute. 

On XX/XX/XXXX I send Citibank a letter and attachments via Priority Mail detailing the above asking them to reopen the dispute ( see attached [ Reopen dispute letter.pdf ] ). 

On XX/XX/XXXX Citibank responded ( see attached [ Citibank investigation closed.pdf ] ) that they received the letter too late and could no longer assist me.
Complaint sub-issue: Deposits and withdrawals

I will mail a complaint to the Utah Department XXXX XXXX XXXX today. I have already submitted a complaint via https : //forms.federalreserveconsumerhelp.gov/. 
On XX/XX/2022, I made a wire transfer of {$29000.00} to what turned out to be a fraudulent XXXX XXXX XXXX account that was intended to go to a title company as a down payment for a home purchase. 
I quickly requested the funds be recalled, and with the help of an FBI agent, have been calling Ally Bank Customer Service and XXXX XXXX departments to get a status update. Every time I call, the reps can only tell me that the case is ongoing. 
Ally Bank has provided inadequate service on this case. I can not get clear responses from the representatives with whom I speak. I have never spoken with the case XXXX directly. No one from Ally has reached out to me for more information or to provide a status update. On XX/XX/2022 I spoke with XXXX at the XXXX XXXX department. He was very uncooperative, did not provide me with useful information, would not provide me with his last name, and could not give me any dates of when this was expected to be resolved. When I requested that he find more information, he said that was all of the information he had. When I asked if I could speak with a supervisor, he said he was only able to transfer me to the voicemail of a supervisor, not a direct connection. 
To resolve the problem, I would appreciate a direct call from the case XXXX XXXX, or someone who is directly working on the case, to provide me with specific dates and times so I know when this case can be resolved.
Complaint sub-issue: Was not notified of investigation status or results

I have already disputed this accounts with the credit bureaus. XXXX  has already disputed them I don't know why XXXX  and Equifax havent. However, these are fradulent accounts and they need to be deleted from my credit reports immediately. 
I am a victim of the Equifax data breach and I don't know who could've gotten a hold of my information. Please delete these accounts.
Complaint sub-issue: Information belongs to someone else

I have informed Equifax numerous of times that the account from XXXX/XXXX  in the amount of {$1000.00} is a result of identity theft. yet they fail to block this information. Both XXXX  and XXXX  have removed/blocked this account so Im confused as to the reason that Equifax fails to follow the law FCRA 605 ( b ). I am a victim of identity theft. The account XXXX/XXXX on my credit file of {$1000.00} is a result of such act. I request that you block this account in accordance to FCRA 605B ( A ). THIS CERTIFIES AS MY STATEMENT THAT THE INFORMATION REGARDING XXXX/XXXX  IN THE AMOUNT OF {$1000.00} IS NOT INFORMATION OR AN ACCOUNT RELATING TO ANY TRANSACTION CREATED BY MYSELF.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

My line of credit with Upgrade Inc., comes with a Visa Credit Card. I used my Upgrade Visa credit card to purchase financial services from XXXX XXXX based in Florida. I paid XXXX XXXX a total of nearly $ XXXX to secure a private XXXX loan of $ XXXX. It was agreed that the loan would be issued by the end of XX/XX/2022, certainly not later than the first week of XX/XX/2022. However, the loan was never issued as agreed therefore, I requested a chargeback against XXXX XXXX because they did not perform the service I paid for! 

All of my chargebacks against the fraudulent merchant XXXX XXXX were accepted by my credit issuers, i.e. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX XXXX. Many of the aforementioned requested supporting documentation for my chargeback which I promptly submitted. However, despite my offering to provide supporting documentation XXXX never requested any supporting documentation and although they initially provided me a provisional credit they are now saying that they have declined my chargeback and I am now required to pay for services I did not receive. 

XXXX made the following statement to me via email ; " Unfortunately, we had to decline the dispute for the following reason ( XXXX ) : We can not override the merchant 's policy and have no further recourse to pursue this matter with the merchant. 


Here is what you need to know : If a provisional credit was issued, it will be reversed and you will be responsible for payment of the transaction ( s ) and related accrued interest according to your standard payment schedule. '' Why is it that only XXXX, which did not request to see my supporting documentation substantiating the fraud on the part of the merchant, claims to be unable to override the merchant 's policy? 

This is a gross injustice!
Complaint sub-issue: Problem with personal statement of dispute

EQUIFAX, INC did not come close to answering my question about why they reported a zero or a N/A to creditors of mine for a loan. Not a friggin credit score that was done months ago. Cut the XXXX and explain why i am paying a XXXX load of money I shouldn't be. I am sending this complaint to the attorney general of Washington state.
Complaint sub-issue: Information belongs to someone else

This is a follow up on my previous complaint on CFPB, complaint ID XXXX. I wasn't provided any document that linked this alleged student loan to me. Then during my last compliant, Citi send over a loan application dated in XXXX from a XXXX XXXX who lives in Texas . Citi has further requested my drivers license. Which I '' m attaching it here. I also found the attached document which I thought was junk but might be helpful to your internal investigation. This false reporting has greatly damaged my credit file and I demand this to be removed as soon as possible before I hand this over to a consumer fairs attorney.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed these 6 duplicated loans for over several months. I know the all loans are closed zero balance thats not the issue I only took out 6 loans period not 12 the loans the 6 loans for XXXX and 6 for XXXX making it 12 loans on all 3 credit bureaus when originally I only had 6 loans again the issue is duplicate loans please please remove the duplicates you say its accurate its not I only took 6 loans and that what should be on my report s not duplicate loans look at the amounts and the dates please
Complaint sub-issue: Reporting company used your report improperly

there are multiple inaccurate inquiries on my credit report these inquiries are in violation of my federally protected consumer rights per 15 usc 1681 and 15 usc 1692 g inquiries are on attached ftc report
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a dispute letter to the 3 Credit bureaus recently and received a response that is nothing more than a stall tactic. The errors on my credit report that were addressed are inaccurate and your refusal to comply with my dispute request is not acceptable. This is your final chance to resolve the inaccuracies on XXXX XXXX XXXX  account. If your investigation is not able to confirm the validity of the accounts information I believe is inaccurate, please update it right away. 

XXXX XXXX XXXX  XXXX Late Dates XXXX
Complaint sub-issue: Problem with fees

I paid citibank {$450.00} which left a credit of about {$150.00}. As of XX/XX/XXXX, I  had a remaining credit balance of XXXX. Citibank sent a check to me on that date, with a notation my account saying I requested the refund, which I had not. I haven ever received the check and cashed it, as verified by Citibank during a phone I recorded with them on XX/XX/XXXX. 

The total charged from XX/XX/XXXX to present are XXXX, which would leave a credit balance of XXXX, but they charged me late fee and interest of {$25.00}, which they refuse to remove, which leave my account past due. 

The mistake is theirs. Until I receive and cash a check, they still have my money. They sent money I did not request. They are applying the check back as a credit but not dating to remove the late charges and interest fees. 

I spoke with an account supervisor XXXX ID number XXXX, who refused to remove the charges until I made a minimum payment of {$25.00}. He said the account was late. I can not have a late account when my credit would still be over {$7.00}. The only thing making the account late is their late fee and interest, which should not have been charged. 

I had this issue before last year. The company is refusing the interest and late fee refund saying that I had a courtesy one before. The last refund was not a courtesy. It was this same exact issue. It took 3 months to get the check and they kept charging fees and interest, when it was their error
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$100.00}, {$300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1.  XXXX/XXXX  with ACCT # XXXX opened on XX/XX/2012 with a credit limit of {$100.00} -This is not my account. 

2. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/2012 with a credit limit of {$300.00} -This is not my account.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I have Discovery Credit Card for almost 3 years and I find out several charges to my account, charges the I never authorized. I contact Discovery and reported those transactions one for a company XXXX XXXX a membership they start deducting every month for several months {$49.00} and the other transactions are a membership from XXXX for the amounts of {$13.00} for several months also. When I found out I contactDiscovery  and reported, they send me new card but Never stop the NOT authorized transactions. They say they investigated but they asume the transactions are valid???? Im the customer and I never authorized those transaction, was a fraud transactions and Discovery dont protect customers against fraud. I stop the card to prevent more transactions go to my account, I lost a lot money because Discovery doesnt protect my credit allowing fraud transactions and I never stop making payments,
Complaint sub-issue: Their investigation did not fix an error on your report

i sent letters to Equifax about some negative items on my report and they have not corrected them : One was XXXX  XXXX XXXX XXXX XXXX account that they closed and Deleted from my active credit account without my authorization, the following accounts has NOT been Deleted from Equifax BUT has Been Delete From XXXX US DEPARTMENT OF EDU DEPT OF ED/XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Personal information incorrect

I get an alert from XXXX XXXX there a collection in my credit report from L J Ross Associate. I have NEVER been contacted by them nor know anything about this. I call XX/XX/20 XXXX And get XXXX which asked me was my social 3 different times 4 different last digits on a social I said NO. He said hold on came back and said idk dispute it with the credit agency its my job. Very unprofessional and weird. I asked for a manager and XXXX got on the phone said the same and that my name was similar but they had a couple numbers close to mine???? First, no debt validation, signed contract, proof of debt, what the debt is has ever been provided! This is beyond crazy. I explained I will contact CFPB and they said you could t do anything and hung up!!!
Complaint sub-issue: Company closed your account

I opened my bank account in XXXX, I do remember. Back to XX/XX/2005 I guess. 
I recommend citi always. I do believe that your service is excellent so far. 
I still think you are the best till I received notice of account closing. 
Did not see that coming. Some warnings that caused I deposit and withdraw too many times with cash. I explained I earned and played XXXX. 
I also got money from my home town, XXXX XXXX. They wired money since I was a student in XX/XX/2005. Anyway citi closed both my checking and saving account. I accept that. But citi force to close my credit cards too. Did not even get a cashback 2 % for this month. No one explains clearly. 
Caller told me that I need to write down a letter. So I decided to write a letter. 
No one told me that I cant do lots of transactions because of I do have personal account. One of Branch managers told me that citi think that I do business with my personal account but I did not. Without warning or reasonable explain they just closed now. Now they tried to close my credit cards too. They never recommend me to open business banking account or explain I cant have many transactions with personal account. This is ridiculous and absurd. More disappointed than angry. I did not even hear answer for that whether I can open my account for the future. No one can explain anything. I did not anything wrong.
Complaint sub-issue: Frequent or repeated calls

There are several numbers the debt collector calls from. I have talked to them repeatedly and have asked for more time to pay the debt and I have told them I will pay them. My problem is they call me every XXXX minutes all day. The numbers are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and that is all from today. That is six times already and they called 11 times yesterday. I asked that they stop calling so much, to call once a week. They are going to get me fired and then I will never be able to pay.
Complaint sub-issue: Account information incorrect

XXXX XXXX is reporting incorrect information to XXXX ; XXXX and XXXX a charge-off for partial account number XXXX and partial account number XXXX. I previously put down deposits to cover these balances. My credit report needs to be corrected to report a {$0.00} balance and {$0.00} past due on these two accounts. ( Please see pages 2 and 3 of the attached credit report. ) This incorrect reporting on my credit report is harming my credit score.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a loan with XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ),  EOS CCA ( Original Creditor : XXXX XXXX ), and XXXX XXXX ( Original Creditor : 06 XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX  XXXX XXXX ), EOS CCA ( Original Creditor : 10 XXXX ), and  XXXX XXXX ( Original Creditor : 06 XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Complaint sub-issue: Account status incorrect

On or about XXXX XXXX the United States District Court of XXXX District of Kentucky issued a Discharged in Re : XXXX XXXX XXXX and XXXX XXXX XXXX Vs. United States Trustee. Upon that discharged I demand that XXXX XXXX XXXX and its affinities to update my crerdit report to all major credit bureaus of my payment history for the last 73 prior months from this date. 
They have failed to do this or present me proof update my credit report with respect to my Mortgage History for the last 73 months.
Complaint sub-issue: Received bad information about your loan

On XX/XX/XXXX, I entered a complaint regarding inaccuracies on my credit report regarding student loan reporting. The compliant was closed as " Verified ''.  However, there are several Fair Credit Reporting Act violations AES advised that they serviced 2 Federal loans that were issued on XX/XX/XXXX from : XX/XX/XXXX to XX/XX/XXXX, returning them back to Dept of Education, XX/XX/XXXX XXXX XXXX advised that they serviced 2 federal loans that were issued on XX/XX/XXXX from : XX/XX/XXXX to XX/XX/XXXX, returning them back to Dept of Education, XX/XX/XXXX On my credit report, there are reportings containing information that is either missing, inaccurate, or inconsistent between the 3 major bureaus. This information is in the following fields : - Balance - Last Activity date - Terms - Scheduled payment - High Balance - Account numbers ( either inaccurate or incomplete ) According to the Fair Credit Reporting Act, in order for information to stay on the credit report, it must be verified, proven, complete, accurate, and consistent with all bureaus. If any of these items aren't met, item must be deleted from credit report.
Complaint sub-issue: Report improperly shared by CRC

Information was submitted to several banks to inquire loans, which accrued several hard inquiries in one day ....
Complaint sub-issue: Account information incorrect

I had a debt mgr program with XXXX that went rouge on my account, which caused double payments to my bank account and failed to send payments to my creditors which caused a backlash of late payments. Discover customer service offered me a way but only to catch me up with several small payments and told me I would still be marked and fee for being late even with small payments. Then my bank placed a stop payment all together with Discover without my acknowledge, I had to find this out after asking Discover why my account kept returning payment even through I kept trying to pay the bill. I asked for my card number and they refused to give it to me. I gave them another account number to bring the account back to current and was promised that they can reverse the fees and negative reporting through customer service.
Complaint sub-issue: Didn't receive notice of right to dispute

I.C. Systems claimed to have spoken with me in XXXX  about a medical debt. No recollection of such call. Company claims they sent a letter to a California address Ive never lived at and dont understand why they would send one to California when I live in New York and have lived in New York for almost 20 years. I.C. Systems placed a collection account on my credit report and claims they followed U.S. law by sending a letter to a unknown address to claim that the consumer was notified.
Complaint sub-issue: Information belongs to someone else

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report.XXXX {$0.00} XXXX {$44.00} XXXX {$19000.00} XXXX {$270.00} XXXX {$190.00} XXXX {$3500.00} XXXX {$1700.00} CHAPTERXXXXBANKRUPTCYDISMISSED
Complaint sub-issue: Debt is not mine

The following company falsely claims my company owes them a debt : XXXX XXXX XXXX and XXXX XXXX XXXX : ( XXXX ) XXXX ext XXXX D : ( XXXX ) XXXX ext XXXX | bigdcreative.comThey hired the following debt collection agency : XXXX, XXXX Box XXXX, TX XXXX XXXX XXXX : XXXX 've instructing them not to call, email, or continue their harrassment of our employees, but they 've chosen to ignore the law and continue their contact and harrassment.