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

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 usc1681 section 602 states I have the right to privacy. 15usc1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666b a creditor may not treat a payment on a credit account under an open and consumer credit plan late for any purpose. 

Carmax Auto Finance XXXX XXXX XXXX XXXX Late Payments discussed with company that were supposed to be removed
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I am finishing complaint number : XXXX I received the washer and dryer on XX/XX/XXXX. They did not work properly. The washer took one and one half hours to wash a load. The dryer took the same to dry a load. I called on XX/XX/XXXX and they sent someone to fix the problem on  XX/XX/XXXX. On XX/XX/XXXX after he left I realized they were not fixed. I called them and said come and pick these up they do not work properly. They said the earliest time they could pick up the washer and dryer would be XX/XX/XXXX. They called later and said I would need to pay {$70.00} for the pickup. I went to the store on XX/XX/XXXX to pay the {$70.00} and make sure they were coming on XX/XX/XXXX. The manager I talked to was XXXX XXXX. He said they did not charge for that pickup. He said the washer and dryer was still scheduled to be picked up on XX/XX/XXXX. No one came on XX/XX/XXXX to pick up the washer and dryer. 
After Best Buy refused to pick up the washer and dryer, I disputed the charge with Citi Bank. My credit card is with Citi. Citi sent me an email stating I must send them two documents to complete my dispute. I will attach copies of all documents I mention in this complaint. 
First Citi requires me to reply to Best Buy 's response to my complaint. I will attach Best Buy 's response. Best Buy 's response is a blank page. How do I respond to a blank page? I called Citi 's dispute department and mentioned the blank page but did not get Best Buy 's response. I still do not know how Best Buy responded to my complaint.

Second Citi requires me to provide a second opinion on the washer and dryer not working properly. The opinion must be from a professional dealer. I checked with XXXX and XXXX. Both would charge almost one hundred dollars each for the washer and dryer. In essence, Citi requires me to pay almost two hundred dollars just to find out if my dispute is valid. I will attach copies of both XXXX and XXXX charges to come to my house. 
Best Buy 's warranty requires only that I stay within a fifteen day return time period. I will attach a copy of Best Buy 's warranty.
Complaint sub-issue: Problem with rewards from credit card

I opened a Citi Prestige credit card in 2015 because of the attractive travel benefits like airline access for American Airlines clubs and the fourth night hotel " free '' feature. Since 2015, Citi has revised the benefits numerous times- each time sending me a letter in the mail or prominent email announcing the change. That is their right to change program terms and I may cancel at any time. However, the latest change to the program occurred XX/XX/XXXX of this year and caused me to have to rebook an entire trip to XX/XX/XXXX. Simply, the problem is this : I needed to use the free fourth night to afford a hotel that I had identified and spoke to about availability. They were " holding '' a room for me so the credit card company could call and guarantee payment and secure eligibility for the fourth free night. 

Apparently, on XX/XX/XXXX of this year the fourth night hotel benefit was changed for the third time since I opened the card. I learned this only because I called to ask them to call the hotel to secure the room and they informed me that due to the program changes, they would not be able to honor the benefit. The changes were this : only hotels featured " in their inventory on the rewards website were eligible for the fourth night benefit. '' I received no notice - email or letter- as usual. The changes took effect XX/XX/XXXX ( the day I called to book the hotel ). The hotel I contacted ( the only affordable option in town ) did not appear " in their inventory ''. The only options were over {$1000.00} per night - not an option for me. 

Numerous calls to appeal to Citi were unsuccessful, being transferred around to at least 10 different people over the course of 5 calls and 3 hours and I was disconnected twice. No one would adjust the program to accommodate and finally a supervisor informed me of the program change and said that they weren't responsible for mailing out notice, and I would have to call Citi and talk to them. Needless to say, no one could help me, and I still have yet to see any official notice of changes to the program. This is unacceptable and they should be held to a minimum time of notice before making such bold changes to a very popular program ( just see social media and press accounts of their trimming benefits ).
Complaint sub-issue: Account information incorrect

THESE ARE UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT, THAT IS BEING REPORTED. THERE WAS BREACH IN EQUIFAX TO WERE MY INFORMATION WAS COMPROMISED. RESULTING IN THESE INQUIRIES TO ALL CREDIT REPORTING WITH EQUIFAX, XXXX AND 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: Was not notified of investigation status or results

Im hoping someone can help me with this it was recommended to me to work on my credit first before I purchase a property so that I can get better options for my mortgage. While working on my report we realized that there were violations on my report credit report. I sent out some letters with assistance from my lawyer, and we haven't gotten any response from them as of yet and it has been over 60 days. It was my understanding that all fraudulent items that we disputed should have been deleted within 30 days or at least we should have had an answer by now and it has been over4 45 days. please assist me with getting these items deleted.

The bureaus are in violation of 15 USC 1681a ( 2 ) ( b ) I did not give written consent to furnish any infofmation, Pursuant to 15 USC 1681a ( 2 ). No consent is identity theft, this is a violatio. I demand that the items be deleted from my report
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Balance : {$240.00} ; XXXX XXXX XXXX  XXXX XXXX Balance : {$76.00} ; XXXX  XXXX XXXX Balance : {$25.00}
Complaint sub-issue: Overdrafts and overdraft fees

On Friday XX/XX/XXXX I made a purchase online for XXXX and since it was at wrong location they were supposed to refund the money. Because that did n't happen in enough time on Tuesday Morning I was overdrawn by {$6.00}. and some change. I immediately went down and deposited XXXX to cover the overage as the items had not been officially posted yet. 
That brought me into the positive {$13.00}. At that point all of my pending transactions were accounted for in the available balance. ( I have receipt as verification ) Later that day an overdraft fee for XXXX was added to my pending transactions despite the fact that i had enough for all pending transactions to post without overdrafting me. 

This overdraft fee brought me into a balance of negative XXXX. The bank then proceeded to post all the transactions i had made on the XXXX which would have been fine but they posted the over draft fee as the first item, and re ordered my transactions to cause me a futher overdraft.and then they charged me for two more fees.
I tried calling branch manager but she was rude and insisted it wasnt bank error.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
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 I have inquiries that I didn't authorized also 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 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: Account information incorrect

I have submitted letters to all 3 credit bureaus and to the creditor them selfies to dispute these items on my credit file. They have not responded a letter was sent to all parties involved on XX/XX/19 and no action has been taken nor was it removed or corrected all document proving my case was submitted as well. There are 2 accounts listed on my credit file with the exact account number being reported as a duplicate with incorrect information the account should be reported all 3 CB under XXXX/XXXX XXXX the amount/High credit limit and past due amount are incorrect. XXXX  XXXX XXXX has my information on CF reported incorrectly with duplicate accounts 2 separate account numbers which is making my CREDIT UTILIZATION higher than it should, all information is listed incorrectly on report. XXXX XXXX is reporting incorrect information on my credit report to all 3 CB the account status is listed incorrectly and the MONTHLY PAYMENT IS LISTED AS $ XXXX/MONTH which is INCORRECT. Another DUPLICATE account listed on CREDIT FILE XXXX XXXX  and XXXX WITH THE EXACT SAME ACCOUNT NUMBER ALL INFORMATION REPORTED IS INCORRECT, this account had been paid and and there is not a past due amount as XXXX  is reporting. XXXX XXXX XXXX is reporting INACCURATE INFORMATION ON CF. XXXX XXXX XXXX REPORTING INACCURATE INFORMATION UNDER XXXX  this account is closed not open. XXXX located on credit file doesnt belong to me I have never had an account with this XXXX  or XXXX   XXXX.
Complaint sub-issue: Account status incorrect

The same creditor that reported erroneously has reported the same late payment that was previously removed last month. Ive paid every month since then and they are ruining my credit. They have reported me being late in XXXX AND XXXX OF 2020 once again and I wasnt! Ive already sent documentation validating this! Im going to consult with an attorney at this point. This is harassment!
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX 2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Equifax and XXXX allows companies to place extremely old items on my report. I have had collection accounts that were recently placed on my report that deducted 23 points. I had it IMMEDIATELY REMOVED my score has never gone back up. They allow 1 car purchase inquiry turn into 15 individual inquiries. I know that they are not contacting the companies correctly for my disputes because I have documentation and they tell you to Mail it or call the creditor. I want my credit report to be 100 % corrected. I have been told that I can only dispute something one time. My score NEVER recovers when they allow accounts that are fraudulent or outdated to be placed on your report. I would like a executive to go over my account that SPEAKS ENGLISH VERY WELL. I would like my score done correctly. Including the inquires. They take 33 points off because of 2 inquires and when they finally came off I got 11 points back. This company is solely driven by the companies that pay them to report their accounts. The actual consumer gets roadblocks and data breaches. This company should never be allow to function as a agent for good people trying to succeed in life.
Complaint sub-issue: Problem with personal statement of dispute

I have been a loyal customer of XXXX since XXXX when we purchased our first home and even re-finance our loan with them first time around in XXXX. 
Back in XXXX we wanted to take advantage of the lower rates and apply with XXXX again to refinance our loan, only to be denied. ( we have never been denied credit before ). We went ahead and contacted another lender who was not only willing to work with us, but got us approved for a significant lower rate. Regardless of the hardship that Covid-19 imposed on most of us, we have never been behind our mortgage payments nor been behind them, ever, and we work hard on maintaining our credit between very good and excellent since our business depends on it. I'm a XXXX XXXX XXXX  and every credit decision lenders, suppliers, and potential customers make are based mainly on my personal credit. After being told by my new lender that the new loan would close by the end of XXXX, I requested a off statement to confirm the amount my new lender was telling me on XX/XX/XXXX. That amount included all taxes, interest and principal owed till XX/XX/XXXX. For reasons beyond my control, the pay-off to XXXX was effective on XX/XX/XXXX for the full loan amount, but to my surprise, XXXX has reported me to the credit bureau the day before, Sunday XX/XX/XXXX for Late Payment, impacting my credit score tremendously. The same Monday XX/XX/XXXX I contacted XXXX to inquire about this misunderstanding, and after an hour on the phone, XXXX stated they will contact the credit bureaus via letter and copy me to have the issue corrected. After not receiving any letter from XXXX nor seeing any improvement in my credit, I contacted XXXX again today to inquire on the status of the letter and the removal of the negative reporting only to be told that more information was needed from the 3rd party first to remove the derogatory mark ( without ever notifying me what was needed nor when ) and later on after 35 minutes waiting for a " supervisor '', I was rudely told that she can't lie to the credit bureaus and the derogatory mark can not be changed. ( even after 7 years of loyal exceptional payment history ) After contacting XXXX  and equifax, I'm reaching out to you to help us in this uncomfortable and very unfair situation I've been placed on. 
I'm a hard-working person that has several families depending on our small business and I don't believe this multi-billion company, XXXX that is, or its " customer service '' reps understand the magnitude of the impact a simple wrong reporting could cause. 

Thank you in advance.
Complaint sub-issue: Problem with personal statement of dispute

To whom this may concern, I 've been trying to resolve 6/24/17 7/30/2017 the multiple negative student loans that currently appear on my credit report. Please note XXXX XXXX XXXX account # XXXX has reached its statue of limitation in my state ( FLORIDA ) of 5 yearsfor reporting on my current credit report. This account has also been charged off and transferred to another agency. Currently this particular student loan has beenconsolidated however the negative accounts have truly been hurting my account. 
The Credit Bureau ( XXXX, XXXX & XXXX ) are neglecting to verify the accounts properly to determine to determine which ones are duplicateor originals. Due to poorlack of investigation I 'm requesting that all of the accounts be removed from my credit report.As stated above the loans in question has been consolidated and these negative accounts are truly hurting my score.
Complaint sub-issue: Information belongs to someone else

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

Good afternoon, The account is in deferment until XX/XX/2026, but the credit bureaus : XXXX and XXXX keep reporting it back as open. I would like this to be properly reported as deferred and not open. Thank you. I have included the deferment letter.
Complaint sub-issue: Problem during payment process

On XX/XX/2019 my bank issued two checks to pay off two credit cards to Sears Mastercard. They were over nighted and received by the company on XX/XX/XXXX, they checked cleared my bank on XX/XX/2019. These are cashiers checks issued from my bank from a home equity loan I was approved for. The bank sent a letter and the checks together in one envelope. I started to enquirer on XX/XX/XXXX as to why I still getting calls that Im delinquent in my payment for these credit cards. On XX/XX/XXXX I was finally told that not enough information to identify my account number was put in the checks. I then faxed over a payment stub for the one account with my full 16 credit card number. This check is for XXXX and I was told it should take 3 to 5 business days for this case. On XX/XX/XXXX I faxed over the other payment stub for my other account in the amount of {$4600.00}. I then called again that Thursday and still nothing and then Friday XX/XX/XXXX I was told I needed the endorsed part of the cashiers check to be faxed over to them so they can see that they did cash the checks. My bank did fax over that information on XX/XX/XXXX. I called today XX/XX/XXXX and the billing person said that she saw the case open on the XXXX. I questioned her because I was told it was open on the XXXX. And then she asked if it was one check for XXXX and I told her no it was 2 different checks equaling over XXXX dollars. I feel that no one has taken responsibility of my case. I get a different person all the time with no direct line to call to ask how things are going. They keep calling me wanting a payment so obviously they are not reading my notes or notifying them that I have a pending payment case. And I am adding up interest fees and late charges and its hurting my credit score. This isnt a small amount of money we are dealing with. I dont understand why they cant see the amounts of the checks to the penny that was cashed in the XXXX and credit my accounts. I am frustrated and feel I am getting the run around. This is sears MasterCard that is backed by citi bank the cashier check # XXXX for amount of XXXX for card number XXXX cashier check # XXXX for {$6200.00} for card number XXXX
Complaint sub-issue: Account information incorrect

To Whom It May Concern, This letter is in reference to these closed accounts still reporting activity after the close date on my credit report. This is illegal, inaccurate, and really damaging my credit profile. There should be no activity reported after the closing date period. 
Remove the following account for reporting inaccurately : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I received a copy of my most recent credit report. Upon review, I found an account that is not mine and is being incorrectly reported on my credit report. The account is with XXXX XXXX XXXX with a balance of {$1200.00} and another account with XXXX XXXX XXXX with a balance of XXXX and an original creditor of XXXX XXXX XXXX. This account is not mine. It may belong to my father who has the same name. Since we are estranged I have no way of knowing.
Complaint sub-issue: Company closed your account

My investment account ( stocks and cash valued at {$52000.00} ) with Citi Personal Wealth Management ( CPWM ) was unlawful closed as abandon and sent to Office of Unclaimed Property of State of Delaware with wrong owner 's name on XX/XX/XXXX. 
The Delaware authority request XXXX XXXX ( clearing firm of CPWM ) to send a notarized statement to explain the error but to this date nothing has been done. 
My POA phone CPWM many times from late XX/XX/XXXX, and I have written to CPWM four times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
My POA and I never received a due diligence letter from CPWM or Pershing and the strange thing is my POA phoned CPWM on XX/XX/XXXX to withdraw {$3000.00} and the account was closed few weeks later. 
I request CPWM and XXXX XXXX send the notarized statement to The Delaware Office of Unclaimed Property so my claim can be finalized. I attached copies of letter from Delaware Authority, 5 letters to CPWM and 3 reply letters from CPWM.

Many thanks for your help.