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

Lexis nexis said they verified that I with a supposed clerk of court that a name matching mine filed a bankruptcy with the clerk of court. I expressed to the rep this is in no way true. It is my understanding that the county clerk is not allowed to give my information to a third party anyways so even if I did how would they know accurately to verify any of this.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2020, I purchased a {$120.00} product from XXXX that had a 30 day return available for any reason. I paid with my XXXX  account which was linked to my Citi card. I emailed the company on XX/XX/2020 and XX/XX/2020 to attempt a return, but they didnt respond. On XX/XX/2020, I disputed the charge, and advised the company that I had filed a dispute. The COO responded the same day acknowledging receipt of both initial emails. My Citi dispute process advised me to attempt a return. I returned the product as per the companys online instructions, and received a delivery confirmation on XX/XX/2020. I did not receive the request from Citi for the tracking receipt, so my dispute was denied on XX/XX/2020. On XX/XX/2020, the COO agreed to a refund if I sent the tracking receipt showing that the product was returned. I sent the tracking receipt, but then she said that they were unable to provide a refund with an open dispute. She said that once the dispute was withdrawn, she would process a refund. I showed her on XX/XX/2020 and again on XX/XX/2020 that there was no open dispute. On XX/XX/2020, I provided the tracking receipt to Citi, and advised them that I wanted to reopen or appeal the dispute because I provided the COO with all requested info, but she still would not send my refund. On XX/XX/2020, I emailed Citi to inquire if my dispute had been reopened. I received no response. On XX/XX/2020, Citi advised that they could not assist me because it had been 6 months since the purchase. On XX/XX/2020, the COO advised that it was impossible to process a refund because of the way XXXX was set up in their system. They advised that they would process the refund once XXXX advised them how to do it. I contacted XXXX, who deferred to Citi, as I never opened a XXXX dispute.
Complaint sub-issue: Loan balance remaining after the vehicle is repossessed and sold

I n  XX/XX/XXXX  I purchased a  XX/XX/XXXX  used  car from  XXXX   XXXX . Due to my credit situation at the time, I was charged 24 % interest on the car loan. Fast forward to to day,  XX/XX/XXXX , and I still  owe the same amount as I originally fi nanced  XX/XX/XXXX  ( yes, that is after 7 years of payments ). I have been to several car dealers (   XXXX ,  XXXX   &   XXXX   ) and every  time we try to get a straight answer about my loan we are told different stories, with no proof provided by  XXXX   XXXX . After attempting to trade the car in ( to no avail since  XXXX   XXXX  was saying that I still owed  XXXX  after 7 y ears ), I let the m repossess the car, due to the frustration of still paying a note with no " pay down '' value. Now, as I am trying to get another car, even though I do not have the car ( I have proof that the car was reposed )   XXXX   XXXX   is holding up the process by not " selling the car at auction '' and not saying they have the car so other lenders want me to produce the car. My credit is tanked as a result and I still do n't have a car.
Complaint sub-issue: Frequent or repeated calls

This company is calling my personal number to try and reach someone else at the same address for collection purposes. I spoke with XXXX at XXXX XXXX XXXX about XXXX Pacific. The person they are trying to reach does not have my number. This is a hunting addition on their part.
Complaint sub-issue: Debt is not yours

UNLAWFUL DEBT COLLECTION performed by Aldridge Pite LLP, NOT Aldridge Pite XXXX, which is their debt collection section/company. As far as I can read under services on XXXX XXXX XXXX website, they do not offer debt collection as far as I can read, but their XXXX company does. I therefor doubt that they even have the license to collect debt in the state of Florida. 
On XX/XX/2019 XXXX Pite send me a debt collection letter. Actually, there was 2 letters in the same package. Both letters are unlawful debt collection letters which was regarding a Prime Equity line of credit, with XXXX XXXX. This line of credit was taken out by my ex-husband, and he was the borrower, not me!!. In the letters they list me as the borrower which is more than false, a direct lie is more accurate. Also their total amount calculation in the letters, are specified different. This specification is not documented. 
I see that this is not the first time that Aldridge Pite practice unlawful debt collection, and we plan on a lawsuit, but also have other matters with this corrupt company, which I'm not ready to disclose at this moment. Both letters are attached..!

I have tried to get information from Aldridge Pite and all correspondence is attached with this complaint. Aldridge Pite DOES NOT acknowledge the fact that I AM NOT THE BORROWER. They also do not provide my requested information, and that includes Aldridge Pite not providing their debt collection license for the state of Florida.

I am sure that you will find this to be a critical case of unlawful debt collection and I am looking forward to your response. Also I am more than willing to work with CFPB supplying more information/documentation if needed. 

I hope that CFPB is a XXXX XXXX, that can assist hard working Americans who is wrongfully treated by Banks, lawyers and other " mastodons ''. I am NOT allowed to ROB A BANK, but it seems that the banks ARE ALLOWED to rob me, or at least try!
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Balance isn`t correct the balanced has increased with equifax causing my credit score to go down 13 pts,  the company is XXXX XXXX XXXX reporting to equifax. EQUIFAX HAS Either change the balance or not geeting their numbers right.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The XXXXXXXX XXXX company submit an application for a loan for me and they asked the Credco credit company to run my credit report without my authorization and my consent. I recieved by mail a copy of my credit report and a Loan application number, and I didnt ask them to do that.
Complaint sub-issue: Debt was result of identity theft

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file over and over as the amount of {$560.00} does not belong to me. This account was fraudulently opened through this company XXXX of 2015 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint multiple times and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Complaint sub-issue: Their investigation did not fix an error on your report

Prior to XXXX XXXX XXXX incorrectly reporting my payment status for 8 months I had a higher credit score. After filing a complaint with CFPB I finally got the negative report corrected but my credit score never went back up. My score continues to be low despite the correction. I have called all three credit reporting agencies but to no avail.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX 15 USC 1681 Section 602A states that I have the right to privacy.

15 USC 1681 Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681c Sections ( a ) ( 5 ) States that no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Account status incorrect

Hello, In XX/XX/XXXX I made a payment that was past the due date, and Loancare, my mortgage servicing company, reported to all three of the credit beaureaus as 30 days late. 

I was not 30 days late according to their own statements which they sent me and I have attached.The statements themselves say, and I circled this " include a late payment of {$100.00} if paid after XX/XX/XXXX ''. Meaning I am not late till after this date. My payment was not 30 days late, but marked as such. 

This 30 day late has significantly hurt my credit score and my ability to refinance my home. 

I attempted writing Loancare a letter, which is what they suggested I do after I called them and have not received a response. 

Lastly, Loancare took over the servicing of my account from XXXX XXXX XXXX at the end of XX/XX/XXXX just before this incident. This was a poor transition and I never received any information from Loancare instructing how payments and late payments would be handled going forward.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this 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 719XXXX has me at a score around 590. 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 n 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 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three 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 60days 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 XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Deposits and withdrawals

I opened Citibank Account Package including both Checking Account and Saving Account at the beginning of this month and then transferred XXXX $ from my Chase checking account to that saving account. 
On the morning of XXXX XXXX, I receive an email titled " Confirmation : Your Citibank? Banking Card is now unlocked ''. But I do not receive that card. Therefore, I open my online CITI bank asap and find there is a withdrawal XXXX $ in that Saving account ( Cash Withdrawal XX/XX/12 XXXX # XXXX Citibank ATM XXXX XXXX XXXX XXXX, XXXX , CA ). I report this case to CITI online bank asap. The custom service block that card, record this case and ask me to wait for further message. 
The manager of my building says our building is broken into by thieves that morning. Mailboxes and some equipment in the hall are destructive. The thieves obtain the mail with card then unlock it and withdraw money on ATM. I have reported this incident and Identity Theft to XXXX police and IdentityTheft.gov. 
At last, CITI tells me that this withdrawal was made from your account with your Citibank Banking Card and refuse any reimbursement. The focus is the transaction is an unauthorized ( this card has been used without my permission ) instead of whether it is made from my account. 
These days, I contact custom service of CITI online bank and call servicing hotline. They refuse any reimbursement and offer any further explanations.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Dear CFPB, I am writing you today because while reviewing my Equifax credit report ( Confirmation # XXXX ), I noticed several unauthorized inquiries being listed by Equifax XXXX. XXXX XXXX XXXX, GA XXXX, ( XXXX ) XXXX. 

The following inquiries have not been authorized by me and should not be listed on my credit report : XXXX ) XXXX XXXX ON XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX ) XXXX XXXX ON XXXX/XXXX/XXXX XXXX ) XXXX XXXX ON XXXX/XXXX/XXXX I have attempted to resolve this issue with Equifax, all to no avail.
Complaint sub-issue: Didn't receive notice of right to dispute

XXXX XXXX XXXX {$120.00} Never received a call from them or a notice in the mail of the debt. Never gave me a chance to dispute or discuss a solution to the debt. It just ended up on my credit reports three times with different dates at the same amount of {$120.00} of what I owe.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have never apply for this companies. i believe that somebody used my personal information to apply for this. I'm not responsible for this inquiries.
Complaint sub-issue: Was not notified of investigation status or results

I have disputed XXXX, Account XXXX multiple times across all three Credit Bureau and they have failed to annotate my account was " in dispute. '' Per Fair Credit Reporting Act ( FCRA ), when you file a dispute with the credit reporting agencies, they are required by the FCRA to show that the item is in dispute. They accomplish this by placing the code XB on the offensive credit entry. The XB code is whats referred to in my world as a Compliance Condition Code. When its placed in your credit report, it reads as Consumer disputes, investigation in process or some derivative of that wording. 

Since this has happened multiple times over the last year I want this account " DELETED '' across all Credit Bureaus due to the misrepresentation of the data on my credit file, impact to my FICO and increased in interest rates over the last year. There is no telling what else is not in compliance.
Complaint sub-issue: Information belongs to someone else

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since XXXX a stickler for research, I found that under section XXXX of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). I found that under section XXXX ( a ) XXXX, Equifax, and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( XXXX ) Appropriate proof of the identity of the consumer ; ( XXXX ) A copy of an identity theft report ; ( XXXX ) The identification of such information by the consumer ; and ( XXXX ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. XXXX attaching the required FTC Report for you ( which complies with FCRA XXXX XXXX ( q ) ( XXXX ) which states ( XXXX ) The term " identity theft report '' has the meaning given that term by rule of the XXXX, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, XXXX, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the XXXX ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Please block/remove these files. 

XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$17000.00}, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$4900.00}, and XXXX XXXX XXXX Opened : XX/XX/2016 Balance : {$32000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Information belongs to someone else

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX  XXXX {$570.00} XXXX XXXX   XXXX {$940.00} XXXX XXXX XXXX  XXXX {$300.00} XXXX  XXXX {$570.00} XXXX XXXX  XXXX {$940.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My complaint ( this time ) is with myEquifax. I'm getting extremely tired of doing this!! 

The biggest scam going on in the credit reporting market is how all these companies operate. I'm not paying for their services if all I receive is a summary and a score. They completely " play us for fools '' by hiding information, information that needs to readdressed by XXXX on what we should be entitled to! Who knows ... this might be changing yearly by financiers. And XXXX, a XXXX XXXX service, needs access to our phones for simply log-in purposes. 

Reporting is not monitoring and this needs to come down hard on all the three major credit bureaus. Inquiries run rampant as far as I'm concerned, and bills go unpaid to their pleasure!! Something needs to get done drastically.

... And all I'm simply looking to do is to see what my Debt to Credit ratio is!!!!
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2020, I gave a formal complaint of inaccurate information on my credit report including inquiries and accounts. 30 days later to the date, I have not received any response. Under federal law, you have 30 days to complete my investigation. 


Proof of these alleged items, specifically the contract, note, or other instrument bearing my signature has not been provided to me. Failing that, the items must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. I demand that the unauthorized inquiries and accounts be removed immediately.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. Its been over 60 days and I have not received a response yet. I feel like my disputes are being ignored and I'm being taken advantage of. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Again, it has been 60 days so those items should be promptly deleted. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have got into the wrong person 's hands.
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

I request a credit limit adjustment to XXXX XXXX dollars to match most of my other credit card accounts from the other banks. My current credit score is XXXX & have been XXXX XXXX for over thirty years now.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Elan Financial pulled an unauthorized credit report for me. See below : Phone : XXXX Elan Financial XXXX XXXX  XXXX XXXX, XXXX, MN XXXX Please have this credit inquiry canceled, as it is fraudulent. 

Thank you
Complaint sub-issue: Can't close your account

Closed my Macys credit card on XX/XX/XXXX because I learn when I tried to use the card in store was told my account was closed on XX/XX/XXXX by Macys for Inactivity. Called on XX/XX/XXXX spoke to XXXX ( Supervisor ) employee no. XXXX who said, she would close my account with Macys but XXXX instead of closing my Macys account XXXX opened without my authorization/permission another credit card with Citibank because Citibank bank is the credit center for Macys. So I only know the last 4 numbers of that new account XXXX opened in my name with Citibank because XXXX sent me a letter showing the new account number ( only last 4 digits ). I have called several times requesting different representatives to close both accounts but it has fallen on deaf ears. I have even asked Macys FRAUD Department, Macys local store manager, Macys Credit Department, and Citibank Credit Department to close both accounts with NO success.
Complaint sub-issue: Account information incorrect

The credit bureau are reporting me late. according to my mortgage company they never reported me late. Please take careful time looking into this. This is hurting my family sincerely. We have muliple lates and collections on our report. Please delete our loan mod was in XXXX we where paying on time and never late. never had collections we pay our bills. please XXXX is watching us. please help its effecting our childrens tution we need to borrow to send our son to XXXX. our first child we came from a poor family please XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX lates XXXX how can this happen " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX ''
Complaint sub-issue: Can't use card to make purchases

Money Network abruptly placed a hold on my account for a reason I'm not clear on and will not help me with getting it back up and going. I was told to show receipts for specific transactions made using the debit card, which I did, but this resulted in nothing. I have not been able to get help from the customer service representative for over a week but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used Money Network quite frequently. This account is used to pay my bills so I need the hold removed immediately. My email linked to my Money Network account is XXXX.