Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with personal statement of dispute

XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Re ; Credit pull On or about XX/XX/2021 & XX/XX/2021 I made a credit inquiry into a dealership concerning a purchase of a vehicle in XXXX, PA [ the name of the auto dealer is ] XXXX XXXX XXXX. I authorized the car dealer to make a credit pull but also informed them I was already pre-approved by XXXX financial for the deal to finance the vehicle. The account while I was there ran my credit at lease 5-9 times within a span of 3-4 hours I received that day on XX/XX/2021 9 alerts of hard credit pulls on my credit report. I informed the company and a sales man that I used to purchase the vehicle XXXX and asked politely to remove write in consignment and alluding to the conversation I had with a representative from XXXX. Send in a letter on my behalf stating these inquiries to be deleted and also I did my part. While at the dealer we concluded and ended by using XXXX financial to finance the vehicle and I really found those credit checks to be unnecessary since I had informed the dealer of my credit score and knowing that XXXX would be the only company to approve me. I would request that these hard inquiries from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Credit on road To be removed of my credit report due to the unnecessary expense and irreconcilable damage its done. 


XXXX. 
( XXXX ) XXXX
Complaint sub-issue: Debt is not yours

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, XXXX, and XXXX have 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 written instructions. 

The following information is incorrectly reported by XXXX : XXXX ( Original Creditor : XXXX XXXX XXXX ) account number : XXXX, date opened : XX/XX/XXXX, last date active : XX/XX/XXXX. This is fraud on XXXX levels : I have personally contacted XXXX XXXX and told me XXXX XXXX opened the account in XXXX. I was overseas, now this new company is claiming I ( XXXX XXXX ) have an account with XXXX which is libel. I have never had an account with XXXX XXXX. 

The following information is incorrectly reported by XXXX XXXX XXXX XXXX : JEFFERSON CAPITAL SYSTEM ( Original Creditor : XXXX XXXX XXXX ) account number : XXXX, date opened : XX/XX/XXXX, last date active : XX/XX/XXXX. This is fraud on XXXX levels : I have personally contacted XXXX XXXX and told me XXXX XXXX opened the account in XXXX. I was overseas, now this new company is claiming I ( XXXX XXXX ) have an account with XXXX which is libel. I have never had an account with XXXX XXXX. 

The following information is incorrectly reported by XXXX XXXX XXXX XXXX : JEFFERSON CAPITAL SYSTEMS ( Original Creditor : XXXX XXXX XXXX ) account number : XXXX, date opened : XX/XX/XXXX, last date active : XX/XX/XXXX. This is fraud on XXXX levels : I have personally contacted XXXX XXXX and told me XXXX XXXX opened the account in XXXX. I was overseas, now this new company is claiming I ( XXXX XXXX ) have an account with XXXX which is libel. I have never had an account with XXXX XXXX.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I check my credit scores on a regular basis as I am trying to increase my credit scores. On XX/XX/2020 XXXX and XXXX increased my scores but Equifax took 29 points off for a credit card increase of {$3.00} dollars. I pay my bills on time reflected on XXXX XXXX 100 % and most cards have decreased due to Covid and not going out of the home. Attached is the report. Who makes these decisions? This is a bogus and gauging of points during a Covid crisis when people are without jobs and desperate. I have been diligent and paid my bills but 29 POINTS is obsurd!! It will take me a year to get these points back. The only change new on my account is one card had a {$3.00} dollar increase. Who makes these decisions, has the power to crush people. I'd like to know!!!!
Complaint sub-issue: Frequent or repeated calls

Lender continues to call my place employment XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Leaving messages with co-workers
Complaint sub-issue: Investigation took more than 30 days

I have a Home Equity Line of Credit managed by XXXX XXXX XXXX. In XXXX, I noticed my monthly payment scheduled for XX/XX/XXXX was not automatically withdrawn. I have a 15 days grace period and my payment was due on XX/XX/XXXX. On XX/XX/XXXX, I called XXXX XXXX XXXX. I talked to a representative who took my payment online. Unfortunately, I later learned that this representative incorrectly applied my payment to the principal instead of taking it for my monthly payment which made my account delinquent. In XXXX, I called XXXX XXXX XXXX and was told the mistake was on their end and they would fix it and let the credit reports now that my account was not late. In XXXX, this was still not done and I was told the same thing again. I called today and apparently this is still not fixed. My account on XXXX still shows a late payment of 30 days. This is impacting my credit score and the company has taken more than 60 days since I first notified them of the issue. Every representative I talked to has always told me XXXX was at fault and that would be fixed but nothing happens.
Complaint sub-issue: Their investigation did not fix an error on your report

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I applied for a forbearance due to COVID-19. XXXX XXXX   reported to all three credit bureaus the three months forbearance as late payments instead of affected by natural disaster. Ive tried disputing four times and Ive called corporate office and customer service more than ten times and the issues has still NOT been resolved. Please help!
Complaint sub-issue: Was not notified of investigation status or results

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. The inquiry was not authorized XXXX XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
9. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report 10. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
11. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
12. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
13. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report.
Complaint sub-issue: Didn't receive notice of right to dispute

Prior to this being placed on my credit report I received no prior notification which places them in violation of FCRA and FDCPA laws respectively. 

The debt has not been validated. 
I have mailed the following letters directly to ERC for validation- 1st request for validation letter mailed XX/XX/2021 I received no response. 
Second debt validation letter was mailed XXXX Again I received no response. 

Im requesting this account be removed from all credit Bureaus immediately. 

Thanks for your time and attention to this matter.
Complaint sub-issue: Reporting company used your report improperly

According to Equifax, a security breach lasted from XXXX through XXXX. The hackers accessed peoples names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people. And they grabbed personal information of people in the XXXX and XXXX too. 

This is highly disturbing because the breach was not reported until XXXX. As an IT security professional, this is gross negligence as such a breach should have been immediately reported to government institutions for protection and support of consumer data. 

Equifax ' poor response gets even worse as the new PIN numbers they are generating use a TIMESTAMP which can easily be brute-forced by attackers. 

What 's more, the website www.equifaxsecurity2017.com/, which Equifax created to notify people of the breach, is highly problematic for a variety of reasons. It runs on a stock installation XXXX, a content management system that does n't provide the enterprise-grade security required for a site that asks people to provide their last name and all but three digits of their Social Security number. The XXXX certificate does n't perform proper revocation checks. Worse still, the domain name is n't registered to Equifax, and its format looks like precisely the kind of thing a criminal operation might use to steal people 's details. It 's no surprise that XXXX-owned XXXX XXXX was blocking access to the site and warning it was a suspected phishing threat. ( Update : The whois records were updated on Sunday and now show the domain is registered to Equifax. ) Another indications of sloppiness : a username for administering the site has been left in a page that was hosted here. Here 's what it looked like before it was taken down at about XXXX XXXX  California time : Enlarge That by itself would n't allow for unauthorized access, but it 's still something that should never have happened. 

Equifaxsecurity2017.com is a site setup by Equifax in response of the breach. 
In the hours immediately following the breach disclosure, the main Equifax website was displaying debug codes, which for security reasons, is something that should never happen on any production server, especially one that is a server or two away from so much sensitive data. A mistake this serious does little to instill confidence company engineers have hardened the site against future devastating attacks. 


On XX/XX/XXXX I was forced to institute a freeze on my Equifax, XXXX, and XXXX credit reports/accounts in order to protect my financial/credit assets. This took multiple hours to handle and had to pay {$10.00} in fees in order to protect my credit.
Complaint sub-issue: Their investigation did not fix an error on your report

I HAVE ASK THE CREDIT COMPANYS TO REMOVE THESE ACCOUNTS THEY HAVE YET TO DO SO.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX  XXXX XXXX, VA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2022 Date Updated XX/XX/2022 High Balance {$630.00} Original Creditor XXXX XXXX  Past Due {$630.00} Pay Status >Collection in accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 a account without my written instructions
Complaint sub-issue: Funds not handled or disbursed as instructed

On XX/XX/2022, Citibank executed XXXX wire transfers out of my accounts totaling {$240000.00} without my authorization. XXXX of the transfers were from the checking account and XXXX from a savings account. 
I have made perhaps XXXX wire transfer in the last 35 years, and I never make any payments from savings accounts, only through the checking account. Before the wire transfers were made, the money was shuffled between our checking and savings accounts. Citibank negligently did not fully recognize these gross aberrations in these activities, as it sent me only XXXX email asking if I approved the wire transfers. I did not see this email before the bank quickly released the wire transfers. Notwithstanding the cumulative total of the wire transfers or that these wire transfers effectively emptied all my wife and my joint Citibank accounts, the bank executed the XXXX wire transfers without contacting me by phone or insuring that any response purportedly by me was authentic. I have filed a complaint with Citibank and also with the XXXX XXXX XXXXXXXX Police Department.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My credit was ran multiple times on the same date I called XXXX and XXXX XXXX  multiple times since XXXXFiled two cfpb complaints and corrections still not fixed. I filed paperwork for small claims court in XXXX county because I keep getting runarounds. I am pursuing XXXX lawsuit in small claims court.Court date is set for the end of XXXX gave them ample amount time to fix the issue. So I am asking for XXXX and XXXX dollars for court filing fee reimbursement.
Complaint sub-issue: Account information incorrect

I have been violated by ALLY FINANCIAL and its agents. See documents attached.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX  ( Original Creditor XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX Creditor : XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Having problems with customer service

i am a victim of Identity theft and Federal Loan Servicing XXXX Address XXXX XXXX XXXX, XXXX, XXXX XXXX keeps reporting on all ( XXXX ) credit reporting agencies as negative even though I contacted them directly, with documents showing a suspect was arrested using my personal information to get loans, credit and medical., I also filed a complaint with the XXXX which told me to contact XXXX XXXX XXXX United States XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and or XXXX XXXX XXXX Attention : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. I will send a copy of all attached documents with this complaint.
Complaint sub-issue: Reporting company used your report improperly

per the lawsuit going on with equifax and them giving wrong scores per looking at my report I found many accounts reported by them inaccurately. they have federally violated the law by reporting these negative accounts. 
XXXX XXXXXXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXXXXXX ACCOUNT # XXXX -XXXX XXXX ACCOUNT # XXXX -XXXX  ACCOUNT # XXXX -XXXX  ACCOUNT XXXX* 15 U.S. Code 1681 - Congressional findings and statement of purpose.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681b - Permissible purposes of consumer reports ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.
Complaint sub-issue: Didn't receive advertised or promotional terms

Best buy website has an offer on their TV to pay in 24 installments and they present you with the amount of monthly payments you would pay, in my case {$140.00} per month. 
At the check out I chose pay in installments option and went through the steps, at the end they told me that I will receive a credit card by mail, and only after getting the credit card they informed me that the amount they approved me for is insufficient to make the purchase, but the credit card has been issued already. 
I called Best Buy card service and asked them to cancel the credit card application, which they did. 
A few days later the credit card was posted to my credit report as a closed account. 
I called them back explained that I was trying to by a product using their installments offer but they didn't approve me for it and still issued a credit card. They refused to help me in and let me know that i can dispute it with credit bureaus but they will still contest the dispute. 
I have been scammed into getting a credit card I didn't need by using the pretext of giving me an installment. When I cancelled that credit card they punished me by reporting a closed account on my credit report, even though the account was a few hours old and I never used it.
Complaint sub-issue: Information belongs to someone else

I want to report Identity Theft that has been going on for years without my knowledge. I never knew much about credit or cared to use it until recently. Now that I'm looking to build my credit I've noticed several things on my report that I have never opened up or authorized. I did lose my wallet back in XXXX. I had my drivers license along with my social security card in my wallet. Someone has been using my identity without me knowing. I never opened an account with the follow companies ; 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} Ive sent in disputes for these items before. Ive went to XXXX XXXX XXXX XXXX XXXX XXXX to get police reports made of the theft, previous sent in CFPB claims, and Ive also filed FTC reports as well which are both attached below. These last accounts have yet to come off
Complaint sub-issue: Application denied

On XX/XX/2022, I received a denial letter from Citi for a Citi XXXX XXXX Credit Card. Still being harassed till date with same offer letters that I was recently denied being sent. 

This action is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k.

Citi is in violation of 15 U.S.C 1642, U.S.C 1681m, and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. 

Recently opened up a Citi Rewards + Credit Card on the XX/XX/2022. Establishing a new line of credit with Citibank. Even more reason I should have never been denied. 

Citibank claims my credit report shows combined credit lines on satisfactory account is too low. A false statement as my credit scores are all above average.
Complaint sub-issue: Their investigation did not fix an error on your report

I had a XXXX XXXX XXXX  that went into chargeoff status but was paid in full. the acct went into first day of deliquency prior to XXXX  when it was paid off XXXXXXXX XXXX  the acct is over XXXX XXXX XXXX since first day of being late but XXXX  and the credit burue will not remove the acct from my credit report.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX  XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX I HAVE REPORTED DISPUTES ON THE ABOVE CREDITORS FOR REPORTING INACCURATE DEROGATORY MARKS, ACCOUNTS STATUS, AND VIOLATING MY CONSUMER RIGHTS. I HAVE FILED A COMPLAINT WITH XXXX   PREVIOUSLY ON XXXX XXXX/XXXX XXXX AND I NEVER RECEIVED ANY UPDATES, REMOVALS, OR VERIFICATIONS TO SUPPORT THEIR REPORTS.
Complaint sub-issue: Investigation took more than 30 days

XXXX XXXX has been inaccurate late payment reporting to the credit bureaus XXXX, Equifax, XXXX .The account number from XXXX is # XXXX. I have sent proof of payment made from my checking account for the months inaccurately reported and still as of now they are still on my credit XXXX. The following months are the issue XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, ... .i have also mailed to CFPB the copy of both the initial complaint made to all three bureaus and also the 30 day demand letter to comply. As of today XX/XX/XXXX no correspondence or anything has been done .Please help me with this matter for this has caused a serious issue with my financial being to improve.
Complaint sub-issue: Funds not handled or disbursed as instructed

A deposit of XXXX XXXX dollars ear XX/XX/XXXX, and a deposit on XX/XX/XXXX of XXXX XXXX dollars. The XXXX XXXX are structured to almost invisible accounting detail or as I the money is owed from previous two weeks. With the XXXX XXXX not showing the XXXX XXXX deposit is immediately less than XXXX XXXX without even a payment from debit card or recurring payment. When using the debit card it is customer savy to pay a tip, yet a tip in double form is not easy to recognize. Therefore the balance in checking account does not reflect true balance of deposits and credit payments.
Complaint sub-issue: Investigation took more than 30 days

In accordance with the FCRA Everything has to be 100 % accurate on my credit report. The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX
Complaint sub-issue: Reporting company used your report improperly

I XXXX XXXX AM A NATURAL PERSON, I AM A LIVING HUMAN BEING, I HAVE RIGHTS UNDER 15 USC 1681.

EQUIFAX IS A GOVERN BY 15 USC 1681. AND THEY HAVE VIOLATED MY RIGHTD NUMEROUS TIMES. I DEMAND THE FOLLOWING ACCOUNTS LISTED BELOW REMOVED BECAUSE ACCORDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE EQUIFAX WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS. 

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
- XXXX XXXXXXXX - XXXX XXXX PLEASE REMOVE THESE ACCOUNTS ASAP.