Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Deposits and withdrawals

On XX/XX/XXXX, my Citibank account was hacked. The hacker took out {$5800.00} from my savings account and took out a personal loan in the amount of {$15000.00} connected to my account. They then wire transferred the money ( over {$20000.00} ) to themselves on the same day. I did not realize there was an issue with my bank account until I tried to gain online access on XX/XX/XXXX to pay bills. My online account was locked so I called customer service to gain access and we noticed on the call that fraud had taken place. On XX/XX/XXXX we made the first possible appointment at the Citibank branch for XX/XX/XXXX and went to the XXXX XXXX  XXXX Police Department XXXXXXXX XXXX and filed a police report which was assigned to Detective XXXX. On XX/XX/XXXX, at the Citibank branch XXXX XXXX provided us with a printout of the fraud on our account and told us to submit a notarized affadavit of fraud to Citibank and request a fraud investigation through the Citibank customer service phone number. I did both things and was told the investigation would take up to 60 days. On XX/XX/XXXX, I received a letter stating that our fraud claim for the {$5800.00} taken from our savings account was denied. On XX/XX/XXXX, I received notification that the personal loan of {$15000.00} was confirmed to be bank fraud, the loan account was closed and the loan was taken off my credit report. On XX/XX/XXXX, I called the Citibank fraud department and told them the personal loan was found to be fraud and hacking so the savings money taken should be fraud as well. I was told I needed to file an appeal which was done on the same day. On XX/XX/XXXX, my fraud claim for savings was again denied and I was never even contacted by the fraud XXXX XXXX. On XX/XX/XXXX, I called to explain that fraud had taken place and {$5800.00} of my money was stolen and I wanted it returned by the bank. Citibank customer service said my only recourse was to file another appeal with the fraud department. I asked that the fraud investigator call me for my evidence since they refused to provide me a phone number or email for the investigator. On XX/XX/XXXX, I received yet another letter saying there was no fraud and my claim was denied and we never received a call from the investigator. Again on XX/XX/XXXX, we called Citibank to have the case elevated to another form of investigation since there were XXXX done with no information gathered from us and we were being denied within days of the appeal. On XX/XX/XXXX, we were told we have no other recourse but to appeal again. We informed Citibank that we would be filing a consumer complaint since we tried to go through them but are not receiving a fair investigation or good customer service when the bank allowed someone to hack our account and steal our savings. This has put us in the hole financially and affected our credit score.
Complaint sub-issue: Information belongs to someone else

not mine fcra violations remove it XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Resident type Single family
Complaint sub-issue: Was not notified of investigation status or results

I have been disputing with the bureaus since XX/XX/XXXX, some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX I decided to give the bureaus another chance and sent another letter to each of them, demanding they delete the inquiries that I did not authorize. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Complaint sub-issue: Their investigation did not fix an error on your report

Today XX/XX/2020 I received a copy of my equifax credit report from my dispute. I am uploading the incorrect information. First off this account has monthly payments each month. It is showing an empty box of no payment last received. 2nd issue isnt the last payment was not on XXXX I make payments every month. Next my balance is not {$4700.00} it is less than that.
Complaint sub-issue: Problem using a debit or ATM card

I was XXXX on the XXXX the people who did it used my face to unlock my phone than proceed to drain my bank account. Cash app  completely didn't care that I was XXXX  and XXXX  and that their app was used to do it
Complaint sub-issue: Account status incorrect

Equifax is not updating accounts in a timely matter. XXXX   has deleted accounts from XXXX XXXX. Equifax refuses to delete them although they were notified. I have attached XXXX 's policy. 

I've also attached the pages of my XXXX  report that shows NO COLLECT ACCOUNTS REPORTED.
Complaint sub-issue: Having problems with customer service

On my credit reports there are XXXX new student loans that are from a consolidation. XXXX/Nelnet lists an amount due each month at {$230.00} on one and {$140.00} on another. I NEVER agreed to anything other than a zero payment. Not once. The letter I received from Nelnet states zero amount for payment as well. This {$230.00} and {$140.00} was never part of any contract that I agreed to. There is also an ongoing court proceeding to discharge these student loans so you would think Nelnet would be reporting properly. 

Also, Nelnet denied my TPD application and they are holding the letter of denial hostage. They will not send it to me. I feel it is so they can in the future of this court case state that Nelnet decided to grant your TPD and they know I no longer would want it. It is a scheme of theirs for assurance and they have no legal right to do this. First off, this TPD is by a psychologist that signed it which they will not allow and said so in email. So they need to send me the denial letter. I also can not get into my Nelnet account and have complained numerous times. They have me blocked. They have no right to keep me blocked from my Nelnet account. 
1. Enter payment of zero for the XXXX new loans. 
2. Send me the letter of denial of TPD. 
3. Let me into my Nelnet account.
Complaint sub-issue: Information belongs to someone else

Subject : Error in my Payment History - One Late payment Mark - XXXX : ( Account Number : XXXX - XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to you in order to ask you to help me with my problem in my payment schedule. I have never been late in my payments for the car. Recently there was accrued probably error in the bank or poor autopayment policy that resulted in the late payment. I do not know for what month but the late payment mark appeared in XX/XX/XXXX in my credit report. If you download my payment schedule you could see that I have been paying always on time. I am very reliable and accurate person and my credit history is very important for me. 
Please I am kindly asking you to consider the option to remove negative late payment from my credit report. Unfortunately, my score was decreased for XXXX points and it killed my plans about the mortgage for my family. Its very important because I have a big family and I will appreciate your kindness. I wrote few times to XXXX XXXX XXXX but I have not received any answer or help so far. I hope based on my brilliant background with payments you are willing to cooperate with me on erasing this one late mark from my credit report. 
Please remove this one late payment remark from my schedule in credit reporting system. 

Thank you so much in advance for considering my request. 
Respectfully yours, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Debt is not mine

I have requested debt validation from Auto Trakk several times and to date have not received anything. I am rerequesting a contract or something which bears my signature and shows that I owe this debt or I request that it be deleted from my credit report as it has bot been validated after several requests.
Complaint sub-issue: Information belongs to someone else

I

m submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XX/XX/2022 ; XXXX XXXX Balance : {$500.00} ; XXXX XXXX Balance : {$9900.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Reporting company used your report improperly

in accordance to the Fair Credit Reporting Act and XXXX account number XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 S states that I have the rights to privacy 13 U.S.C 1681 Section 604 H section 2 it also states that a consumer can not premise my account without my written instructions.
Complaint sub-issue: Problem with personal statement of dispute

How is this reporting accurate when the date of last activity is different on each bureau, I seeing 3 differnt dates reporting. Please send me proof of validation and conduct a proper investigation on my behalf. what WAS the method of verification that you used. Did you send a dunning letter before you reported inaacurate information?
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Sezzle Inc refuses to acknowledge and follow its own published dispute policies. I have had 2 recent issues with merchants where they clearly violated the merchant guidelines published on Sezzles website resulting in a case that clearly qualified for a dispute. In both instances, the company completely refused to even open a dispute and investigate the now fraudulent charges. 

The first instance was a merchant named XXXX XXXX. This merchant shipped the package to the wrong address and admitted it via email, but refused a refund. Screenshots of all conversations with the merchant, including their admission were submitted to Sezzle and they refused to investigate the dispute. 

Most recently, I used Sezzle to make a {$730.00} purchase from one of their merchants XXXX, and paid for expedited delivery with an advertised delivery date of XX/XX/2021. As of XX/XX/2021 this purchase still has not been shipped by the merchant, a clear violation of the published Merchant policies on Sezzle.com, and a situation that is specifically pointed to in their customer dispute policy. Documentation and requests have been submitted to Sezzle Inc via their online portal multiple times. As of XX/XX/2021 Sezzle responded stating that they would not open an investigation. This company refuses to support customers when there is an issue and instead continues to withdraw funds from customer accounts in an effort to support fraudulent merchants.
Complaint sub-issue: Information belongs to someone else

I have been disputing fraud items on my credit report since XX/XX/XXXX. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is signed and attached with an FTC and Identity Theft affidavit, yet the bureaus are still not taking any actions. These items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let this fraud inquiry affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. Not only have I not received any mail showing the verifiable proof needed to justify these items to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money with no end in sight and no results to show. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! THE DISCHARGE PAPER FROM THE COURT IS CLEAR! THEY CAN NOT COLLECT on a DISCHARGED DEBT!! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete these items immediately! 
XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX RI XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00}
Complaint sub-issue: Their investigation did not fix an error on your report

MoneyLion is STILL reporting late payments to XXXX after multiple confirmations from them that they updated my reports ( XX/XX/XXXX - removed from XXXX, XX/XX/XXXX - removed from XXXX ). They are reporting a 30 day late for XX/XX/XXXX, a 60 day late for XX/XX/XXXX, and a 90 day late for XX/XX/XXXX to XXXX. Previously they had reported it as 30 days late XX/XX/XXXX, 60 days late XX/XX/XXXX and 90 days late XX/XX/XXXX. They then proceeded to have the credit bureau remove the account from my file, to re-add the account with the late payments having different dates. 

MoneyLion 's first email from the MoneyLion Escalations Department confirming my credit reports would be updated in 7-10 days to reflect the loan as paid, current, with NO NEGATIVE MARKS was on XX/XX/XXXX ( see attached email ). Then, I received another confirmation that the late payments would be removed, from MoneyLion, on XX/XX/XXXX. The second confirmation came after I filed a complaint with the CFPB on XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX my three credit reports were updated to reflect the current on time paid status, with NO negative marks and paid 100 % on time. However a couple of days after I provided " feedback '' requested by the CFPB via the CFPB portal stating that MoneyLion answered my questions, did what they said they were going to do, etc., I received an alert that my MoneyLion account was again reporting 30/60/90 day lates to all three bureaus. Luckily I disputed with XXXX, and they removed it when I provided all proof that MoneyLion stated they would remove it due to it being INACCURATE. XXXX  and XXXX  would not remove the late payments. I reached out to MoneyLion again on XX/XX/XXXX regarding the account inaccurately reporting late payments and how it has reappeared on my XXXX   and XXXX  reports. Shortly after, I noticed the late payments were removed from my XXXX  report, but not my XXXX. MoneyLion responded on XX/XX/XXXX stating that the account was reporting accurately and ONCE again won't do anything about their inaccurate reporting. Not to mention, it is IMPOSSIBLE to get ahold of someone. 

I have attached all proof of admission that MoneyLion is inaccurately reporting late payments, and am requesting that they update XXXX  to reflect 100 % on time payments with NO NEGATIVE MARKS.
Complaint sub-issue: Problem getting your free annual credit report

On XX/XX/2019, I navigated to " XXXX '' to get by free annual credit report. I had no issues with XXXX or XXXX but when I tried getting my report from Equifax I was asked security questions which were all non-relevant to my credit history. I had to answer " NA '' for all these questions and as a result, Equifax denied to show me my credit report. I then tried for a 2nd and 3rd time and was faced with the same issue, non-related security questions. I believe Equifax is intentionally denying me access to my annual credit report because they want me to pay. I would like this fixed.
Complaint sub-issue: Didn't receive services that were advertised

Within 2018 and present and even before, Ive received a lot of pre approval emails as well as notifications on credit karma website/application. I was apparently pre approved for credit cards, personal loans, auto loans and refinancing. I received these offers almost daily and especially whenever I would log in. With all the offers I was getting from credit karma I thought I had great opportunities for my family and I. So I applied multiple times for credit cards, personal loans and auto loan a couple of times thinking I was approved which was clearly a lie in which hindered me from accomplishing plans I made for me and my family due to being pre approved and left me worse off than before with destroyed plans, a ton of hard inquiries and a lowered credit score. This interaction with credit karma cause a lot of harm to me I was depressed for my credit being dropped whilst I was working so hard to lift it up let alone the plans that couldnt be achieved in pursuant to better my life because I was lied and tricked into doing something that I thought would better my life but in turn helped to devastate it.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX Credit Card provoked a dispute with me in late XX/XX/XXXX. I discovered that even though it resolved in my favor, they continued to mar all three of my credit reports with a statement about it. I asked XXXX to stop reporting it via a phone call in XX/XX/XXXX. They did not. I have detailed what happened under the complaints XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX - Equifax, XXXX XXXX - XXXX, and XXXX XXXX - XXXX. I am complaining again because I was not satisfied with any of the responses.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Incompetent Discover card prepared a letter dated XX/XX/2018 on case number XXXX claiming based on new information received that they are applying the disputed amount back to the account based on new information received. There was NO new information attached to the letter it was the same old information submitted previously by the merchant.
Complaint sub-issue: Problem lowering your monthly payments

I took out a loan with XXXX XXXX, since then they have made it impossible to be able to afford the payments. My XXXX year old Grandmother who is XXXX on a fixed income co-signed for the loan. I have been asking for a payment that I can afford since the start of the loan because they make it unaffordable for both me and my grandmother to afford. I have asked them to stop calling her house because of the amount of stress that she is under after having a XXXX she can not take the harassment. I have tried to afford the payments but my job does not pay me enough and right now they are asking for 60 % of my check which leave me with a limited amount for rent, food gas car payment etc. They pretend to help but every time you call they tell you something different. They are purposely putting me in a position that is in place for me to continue to fall behind. I have asked them over and over for a lower payment and they keep giving me ones that I cant afford. I feel like I have no choice to except them because they are saying that its the only option. In the meantime they continue to tack on fees and try to get me to defer my loan which also tacks on fees. I would like them to take my grandmother off as a cosigner because I'm afraid that the stress will cause her to have another XXXX. the phone calls and letters are endless. I have told them that I need affordable payments over and over to no avail. They, set you up to fail by giving your 3 separate which makes it easy for them to give you payments that they know you cant afford. I would like to have one loan instead of 3. This is pure predatory lending on there part. I want to pay off my debt but I find it impossible because the more I pay the more fees that tack on because I can't keep up with the payments because I barely make enough to survive. I have a loan with the Federal government loan that I am trying to pay as well but, the fact that XXXX XXXX continues to try to take advantage of me is making it harder to survive.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX is reporting an unpaid loan on my credit report. This particular loan is the sole responsibility of my ex-husband, XXXX XXXX XXXX. I have disputed this account several times, but XXXX XXXX XXXX refuses to take it off my credit report. I am attaching documentation that proves that this account is his sole responsibility.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, Account # XXXX, Account # 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 an account without my written instructions.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Act 15 U.S.C 1692 XXXX XXXX XXXX XXXX  has violated my rights.

15 U.S.C 1681 section 602 A. States I have 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 1692 section 805 A. States that a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place known or which should be known to be inconvenient to the consumer.
Complaint sub-issue: Was not notified of investigation status or results

I would like to report that there are falsely placed information in my account. I already sent messages to the bureaus months ago but they did not do anything to remove and correct the false information in my credit. I attached the letter with the accounts written to this report i am making.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.