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

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX  XXXX bankruptcy ) 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: Investigation took more than 30 days

I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$440.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2020 at XXXX we ( myself XXXX XXXX XXXX & My wife ( XXXX XXXX ) ) have bought a camera lens item name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$2300.00} total amount using XXXX checkout with my Citi Credit card ending XXXX ( attached the ebay_order_confirmation.pdf ). 

after few minutes at XXXX i got a email from paypal saying you got a refund for you purchase ( attached at XXXX ). 
i assumed seller has canceled the transaction and returned the money. 
i don't know the reason. i waited few more days to see the credit back on my credit card. 
i emailed the seller on ebay the seller response was the account was hacked and he never actually sold any such item and asked me to contact ebay and XXXX. 
i have attached the 3 conversation we had about the issue ( see seller_response attachments as well ). 

on XX/XX/XXXX i got the paypal email that the refund was unsuccessful. ( see XXXX ). 

i tried to contact XXXX and XXXX they were all shutdown due to pandemic, during this time around XX/XX/XXXX i opened up my credit card dispute as item canceled since i got the refund confirmation but not no money back. 

meanwhile i continued contacting XXXX and ebay, no one helped because there is an existing dispute handled by credit card. 

on XX/XX/XXXX got a email from credit card about the credit dispute that it was denied and the reason was not mentioned. 

i called them asked them about it and i asked them to review the case and i asked them to change the case to item never received dispute. 

Citi cards requested documents which i submitted all the documents in hard copies sent out via USPS ( here is the tracking number : XXXX ). 

after few months days they denied the case XX/XX/XXXX, saying documents never received and they closed the case without any refund to me. 

i called citi cards and appealed the case again told them i sent all the tracking information and send all digital copies as well. they reviewed the case and said that they couldn't do. i appealed the case again on phone and they reviewed again and on XX/XX/XXXX they denied the request for appeal saying the time frame is passed. i never made any mistake. i gave all the documents required in time. 


please see all attached documents with proofs
Complaint sub-issue: Their investigation did not fix an error on your report

I do not know where to start with this account. This Account is incorrect, inaccurate and inconsistent, this item has 2 different Dates open - 3 Dates of last Activity that do not match on all 3 bureaus - 3 different Dates it was Last reported - 2 Different Dates of last payment and shows a balance and past due balance which is inevitably affecting my Debt to credit ratio. A inconsistent High Credit limit on all 3 Bureaus. A High credit limit of {$9700.00} on XXXX  but XXXX  shows no credit limit ( {$0.00} ) While Equifax shows {$9700.00}. The credit limit of {$9700.00} and {$9700.00} is questionable at best - Reason being is because the credit given to me originally was {$9200.00} its not as if they ever gave me additional credit for a water pump or I Added an additional {$580.00} - So this addition of {$580.00} was never credit it could have been a charge that occurred due to the account being charged off  Which is not credit. 

This Account also does not comply with the metro 2 reporting requirement - CHARGE OFF should be coded under " OTHER '' or " O '' not as a REVOLVING ( " R '' ) account. 

The ARGUMENT I CONTEND is that this MISAPPLICATION of the proper Account Type creates a DECEPTIVE REPORTING DEROGATORY and in effect MIS-REPRESENTS the consumer 's TRUE CREDIT UTILIZATION RATE! See, for a " O '' mark, the AMOUNT of debt would NOT MATTER as a $ 1debt would be EQUAL the negativity weight as a XXXX XXXX  ( given ALL OTHER aspects similarly reported that is such as age ). 

However, misappropriating a CHARGE-OFF under the " R '' type for REVOLVING as opposed to " O '' for OTHER as it should be allows for the AMOUNT of the debt to matter DRASTICALLY where a XXXX XXXX  would have near zero effect on the consumer 's CREDIT UTILIZATION RATE whereas a XXXX DOLLAR DEBT would SIGNIFICANTLY XXXX that client 's CREDIT UTILIZATION RATE there also SUBSTANTIALLY and NEGATIVELY more effecting the DEPTH OF THE DEROGATORINESSES of the reported claim ( s ). 

If you don't comply with the Metro 2 Reporting Standard which is the responsibility of every creditors thats uploads an account to a credit report, How can i trust that you comply with anything else?
Complaint sub-issue: Confusing or misleading advertising or marketing

Dear Sir/Madam XX/XX/2020, I applied for a Car loan with US BANK through their website for around ( {$55000.00} ). After two days, I checked my loan status through their website ; the position was pending. On the third day, I rechecked and still pending. On the fourth day, I made a call at XXXX, and someone told me that too early, please wait for next week. 
After waiting for a week, I made a callback at XXXX, and some told me to call your branch at XXXX XXXX. I called US Bank at XXXX, and the branch manager XXXX XXXX XXXX said to me that at this moment, he was not sure what is going on with your loan, and I will give you a call today about the situation. After two days waited, I made a callback to US Bank Branch at XXXX XXXX, and the lady XXXX XXXX XXXX told me that my loan declined because the amount too high for my credit score. At this moment, the loan approves for {$50000.00} with an interest rate of 3.9 percent 72 months, 3.76 percent 60 months, and 3.6 percent with direct payment. 
I asked XXXX what I should do? Because this is my first time to loan with a direct bank. XXXX told me to get a contract from the dealer and bring it here ( nothing about how the loan work ). 
After one and a half weeks, I got a contract from XXXX XXXX for the car for {$49000.00} On Monday, XX/XX/2020, I brought the contract to the US Bank, and I met with XXXX. He told me that he couldn't find my loan application, and I told him that I applied, and the branch manager ( XXXX XXXX knows it. He called XXXX, and XXXX and XXXX were looking into the system. Finally, they both couldn't find it, and XXXX suggested to replied the loan application, and XXXX explained that the Loan is base on the value of the VIN. XXXX checks my car VIN #, and the deal only {$37000.00}. I said to XXXX, why you never called me back, and why you were never explaining how to apply for the car loan. Also, why your co-worker XXXX XXXX XXXX told me, " just got the contract from the dealer and brought it here, and we will take care of the rest, XXXX XXXX couldn't answer my question ). 
Since I must deal with my problem, I told XXXX to reply to my loan application and get {$44000.00}. He told me I tried. 
On XX/XX/2020, I got the answer from XXXX the loan was approved, only the car 's value {$37000.00}, I must deal with the remaining balance XXXX {$7000.00} XXXX. 
I appreciate your valuable time to review my problem.
Complaint sub-issue: Their investigation did not fix an error on your report

i have contacted all XXXX credit bureaus as well as XXXX XXXX times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the XXXX bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see,,,,, this account has been re aged which is a violation, this account is reporting a a charge off and it is also reporting a credit limit and a high credit... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the XXXX year history it is not uniform across the board which it should be...
Complaint sub-issue: Not disclosed as an attempt to collect

Hi, I have not received any paperwork of this collection and would like to pay and resolve this immediately. Thank you!
Complaint sub-issue: Reporting company used your report improperly

I contacted the credit reporting agency Lexis Nexus to at a security freeze to my report with the company I provided all the information by mail, Fax and Phone they haven't provided me with any information that my report has been locked of that the security freeze has been placed on my credit file with there company.
Complaint sub-issue: Didn't receive notice of right to dispute

THIS WAS RESOLVED YEARS AGO WITH  XXXX  FOR {$270.00} WHICH I DO N'T KNOW WHY I OWE BECAUSE I PAID MY BILL IN FULL THEN YOUR COMPANY BROUGHT THIS ACCOUNT AND PUT A NEW DATE ON IT LIKE IT JUST HAPPEN THIS WAS OVER 9+ YEARS AGO I 'M WITH THE COMPANY THAT BROUGHT  XXXX  AND IF I OWED ANY MONEY YOU WOULD THINK THEY WOULD HAVE NOT GRANTED ME SERVICE, FOR AS I 'M CONCERNED YOUR COMPANY IS JUST OUT HERE DOING WRONG TO HARD WORKING AMERICAN AND NOT DOING YOUR JOB CORRECTLY JUST PUTTING ITEMS ON PEOPLE ACCOUNTS.   I DO N'T HAVE ANY PAPERWORK SHOWING ME HOW THIS {$270.00} BILL WAS CALCULATED SO I SUPPOSE TO JUST PAY FOR SOMETHING I DO N'T OWE, COMPANY MAKE MISTAKE ALSO LIKE  XXXX .
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX shows i had one 30 day late, but i was never late
Complaint sub-issue: Company closed your account

To Whom It May Concern : Elan Financial Services closed my XXXX XXXX XXXX  card after receiving fraudulent information from a third party, without contacting me to confirm any of the provided information. 
I am in receipt of your correspondence dated XX/XX/2022, ref # XXXX. This correspondence is in response to my document dated XX/XX/2022, in regard to the closure of my XXXX XXXX XXXX XXXX XXXX Card account, ending in XXXX. I am hereby informing you that you have violated my consumer rights and under 15 US Code 1691E you are civilly liable. 
As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1692 ( K ). Elan Financial Services/ Cardmember Services has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 4. 15 U.S Code 1681M ( b ) ( 1 ) 5. 15 U.S Code 1637 Enclosed you will find an invoice for the abovementioned violations, with instructions where to send payment. 
BEST, XXXX XXXX XXXX  Without prejudice, all natural inalienable rights reserved.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

Repeated, unwanted, and unwarranted calls from XXXX which is some sort of debt collection agency. Calls occur even though there is no known collection or judgment against me or anyone at my number.
Complaint sub-issue: Attempted to collect wrong amount

I received two emails today from TrueAccord XXXX XXXX regarding my XXXX XXXX Account said they had taken it over. Today is XX/XX/2021 XXXX XXXX 

I have already setup payment arrangements with XXXX XXXX to get back on track and it seemed odd they would have turned it over to someone else. I called XXXX XXXX to confirm and they said they did not turn it over. 

It was for the wrong account number and wrong amount. Offering me a one time payment to catch it up. XXXX wrong number XXXX correct. Amount {$1500.00} they stated my actual balance with XXXX XXXX is a little over {$4500.00}. 

The Rep at XXXX XXXX suggested that I delete the emails and do not follow any links. I did look at when first came in but followed their directions. Company had my name, address, email, etc. but it was definitely bogus.
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX XXXX, and I am writing this statement on my own behalf in regard to the information on my credit files. Fraudulent applications were submitted under my name or my identity without my consent to obtain goods or services. The items I need deleted are listed in the report. I am a victim of identity theft and did not authorize any of the following charges/inquiries on listed in this report and on my credit file. I reported the theft to the Federal Trade Commission, and I have also enclosed copies of the FTC identity theft affidavit. I am requesting that the following items on this report be deleted immediately. The following inquiries I need to be deleted are listed in the report and attached to this statement : XXXX XXXX XXXX XX/XX/XXXXXXXX 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: Debt is not yours

A delinquent trade-line from the company XXXX XXXX XXXX for {$3100.00} still appears on my Equifax credit report despite the fact this account is not mine, the other credit bureaus have removed the account, I have disputed it, and no proof has been sent to me that this account even exist. I am not sure why Equifax would let this happen as I have contacted them multiple times telling them this. They won't let me dispute this item online for some reason. Please help!!
Complaint sub-issue: Didn't receive notice of right to dispute

I am in the process of buying a home and when thy verified my credit, there is a medical debt coming out only in my XXXX credit co and it does not belong to me. I had sent a letter communicating this issue to XXXX but never answered and more than 45 days have gone by. I would like this issue to be resolved ASAP. I will be sending you the letter as an attachment.
Complaint sub-issue: Account status incorrect

We took out a lease on a 2018 XXXX XXXX. The leasing company was extremely slow in providing us with any invoice or bill which contributed to the confusion. We purchased the vehicle in XX/XX/2018. A payment for the vehicle was made at the time of purchase. A subsequent payment was made in XXXX for the amount due. Another payment was to be made in XX/XX/2018 in which we were late. This payment was made on XX/XX/2018 as per the attached confirmation. This was several days before it would have been 30 days late ( XX/XX/2018 ). In the leasing companies over zealous handling of this matter they now show us late on our credit reports. This was explained to them by phone, but their representative either did not understand it or did not care. We are attempting to avoid litigation but our patience is running out. We have attached the confirmation sent to my wife 's email.
Complaint sub-issue: Information belongs to someone else

inaccurate information on credit report. FTC violation XXXX XXXX in 2017 amount {$610.00} XXXX XXXX XXXX in 2017 amount {$2000.00}
Complaint sub-issue: Their investigation did not fix an error on your report

To Whomever This May Concern : My name is XXXX XXXX and this is about my 10th complaint regarding Fraudulent items on my Equifax credit report. I have just submitted my complaint with the FTC. My next step is to submit a Federal Lawsuit because many of my rights have been violated by Equifax and XXXX XXXX. Equifax has repeatedly refused to block items by XXXX XXXX  on my credit report thus leaving me with no option but to file a federal lawsuit against them. XXXX XXXX  has left me no result as well. They have exceeded the time frame on their investigations and the items are still on my report and affecting my family and I. I have decided to reach out one last time before I filed my Federal Lawsuit. Please see attached documentation proving fraud which includes my police report, my ftc case number detailing the accounts of fraudulent items. I would appreciate this being addressed before I have to take further steps.
Complaint sub-issue: Problem with customer service

I have described the problem prior, and have a file at Citibank regarding this complaint. 

I raised several points with Citibank, NA., but in their reply my specific disagreements with Citibank 's handling of my account were not addressed. I cited at least three unanswered letters/correspondence to the company many months ago, and I also documents an inability to reach Citibank 's customer service department via telephone, during the early months of the Covid pandemic. Citibank, specifically, directed people to its website in order to resolve account problems. I advised in my recent CFPB complaint and my prior correspondence, that my password was not operational, and I was unable to proceed in this manner ( contacting via the phone loan ).

In my complaint to Citibank, they did not address any of their failings to deliver adequate customer service, via a reasonable wait time, and by answering my ( documented ) mailings to their offices. Instead, when reached at their corporate office I was advised by XXXX XXXX that I " should have called everyday, '' despite my advising her wait times were excessive, and I had limited time due to being on my work break, etc. 

Citibank, in short, did not address any of my specific claims. Instead they arbitrarily state they are unable to do anything to mediate my damages. I would request a full review be done of all the circumstances of me losing my points. I have taken many hours to review and catalog phone records, mailings, etc., whereas Citibank has given this no true, in depth review. Citibank appears in violation of their customer agreement on several levels. I am requesting reinstatement of around {$500.00} in Thank You Points, or a cash reimbursement, if the account can not be reopened. I have repeatedly pointed out the problem with accessing the account, but none of my points have been dealt with point by point.
Complaint sub-issue: Bounced checks or returned payments

On XX/XX/XXXX I deposited a check into my business account through the Automated Teller Machine, I was informed through the machine that the funds would be made available the next day which was standard.the check was in the amount of over {$9000.00}. This check was significant since it was funds that was withdrawn from my retirement fund intended for the purchase for an important trip I planned for my clients. On XX/XX/XXXX I went into a local branch after I discovered that my check was deposited as expected, then reversed back stating that it was a not an acceptable item. I was shocked to hear that not only was my check already being sent to a different department to be reissued to me but it would be mailed to me due to it having my two last names on the account. 
I have deposited checks previously to this account with my married last name and previous last name. The last name on the account and the first last name on the check both match and that has never been a problem in the past 3 years that I have had my second last name. I have has my business account since XXXX and I have never had a check that I deposited now be accepted as long as it has XXXX of my last names on it. The banking customer service representative could not tell me why I was not contacted and given other options to prove my identity if there was a concern of who the account holder actually is. 
I needed the funds on XX/XX/XXXX and on this date XX/XX/XXXX I still do not have my funds and have had to cancel the trip that these funds were intended to pay for. I requested that this situation be escalated so that it be resolved as soon as possible and she contacted her manager, who informed her that someone would reach out to me within XXXX hours. The branch representative informed me that I would receive a legal copy of my check in the mail. 
I did not receive a call within XXXX hours but within XXXX hours. The phone call did not result in me getting access to my funds in a timely matter which was my only and original desire which is why I deposited the check into the account. 
It has been 6 days and I have yet to receive the physical check and my bank account has been overdrawn. I lost money that I prepaid for the trip that had to be cancelled and now have clients that are choosing to end their relationship with me due to " lack of professionalism '' regarding the trip that had to be cancelled. 
The bank manager that called me XXXX hours after I filed my " complaint '' informed me that the check was reissued and mailed on XX/XX/XXXX. With the current stated of the mail crisis due to the national pandemic, in addition to this being the week of XXXX, it was not a surprise when I did not receive my check in the XXXX business days that it usually takes for a check that is mailed. 
I had to borrow funds in an attempt to maintain my bank account from falling below XXXX while I waited to receive my check back, yet did not fathom the idea that it would take XXXX or more days to have my check back in my possession. 

I desire
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act, XXXX XXXX XXXX  Acct # XXXX, XXXX XXXXXXXX Acct # XXXX, and XXXX XXXX XXXX acct # XXXX have violated my rights and have furnished my account information without my written consent and/or my written instructions. 

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 also states a consumer reporting agency can not furnish my accounts without my written consent and/or my written instructions.
Complaint sub-issue: Didn't receive services that were advertised

I was told that I had great approval odds and that I should apply for a loan to consolidate my credit card debt. It gave me an APR on my loan for 18.49 % but when I applied for a loan and got approved my APR was 26 %. Credit Karma deceived me and thinking that I had great approval odds for a low interest rate loan and that was false. The loan company is called XXXX XXXX