Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Seized or attempted to seize your property

On XX/XX/2022, I exercised my right to rescind my credit consumer contract with CARVANA LLC pursuant to Truth in Lending Act, 15 US CODE 1635, Regulation Z, and 12 CFR 226.23 due to CARVANA LLC not providing me with all material disclosures to include my federally protected right to rescind which is a violation pursuant to 15 USC 1635 ( a ), Regulation Z, 12 CFR 226.23 and 226.17. CARVANA LLC received my notarized notice, special POA and IRS form 56 via REGISTERED MAIL XXXX and Return Receipt signed by XXXX XXXX on XX/XX/2022. 
XXXX XXXX XXXX also received these notarized notices via REGISTERED MAIL XXXX. On XX/XX/2022, I filed a CFPB Complaint due to not getting a response, the complaint ID is XXXX, CARVANA LLC told the CFPB they would comply with my Power of Attorney and give me the title to my private property which they have yet to accomplish, XXXX XXXX XXXX is now in violation of 15 USC 1692 ( a ) Abusive practices- There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy, 15 USC 1692f Unfair Practices - ( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest.

( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement, and 15 USC 6802 ( b ) ( 1 ) ( C ) for furnishing my nonpublic personal information to XXXX XXXX who illegally and unlawfully stole and transported my private automobile on XX/XX/2022 and plan on selling it which is a violation of 18 USC 2312 TRANSPORTATION OF STOLEN VEHICLES and 2313. I am entitled to actual damages under 15 U.S CODE 1692k ( a ) ( 2 ) ( B ) THE CREDITOR IS RESPONSIBLE FOR THE ILLEGAL ACTIONS OF XXXX XXXX  BY LAW
Complaint sub-issue: Information belongs to someone else

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 
XXXX {$390.00} XXXX XXXX {$460.00} XXXX {$10000.00}
Complaint sub-issue: Didn't receive enough information to verify debt

I had a {$5000.00} promissory note assigned to me in the short sale of my condo back in XXXX. Dyck O'Neal was the debt collector in charge of servicing my note. From the beginning, communication was poor. I began paying on my promissory note In XXXX of XXXX. I set up an autopay and each month, from XXXX of XXXX through XXXX of XXXX, Dyck O'Neal was paid the agreed upon monthly amount. In XXXX of XXXX, I began receiving late payment notifications in the mail, which confused me since I was on autopay. When I called Dyck O'Neal and inquired, they told me my account was fine and my monthly payment had been received. I continued to sporadically receive late payment notifications, and another time when I called, I was told my loan needed to be modified and they would send me the paperwork. Twice, I never received the paperwork they said they sent. So even though I paid Dyck O'Neal every single month, my account was in default. They never once told me this would affect my credit, and that my account was showing late payments month after month on my credit report. Whenever Dyck O'Neal would try and contact me, it was during working hours, and they would never leave messages. I finally did modify my account this year and ultimately paid the remainder off just to be done with them. I am extremely upset that my credit has been destroyed due to their lack of communication and mixed messages that I was told over the past 5 years. I never missed a month in payments, and I don't believe my credit should be impacted by this company.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX I made a purchase in the amount of {$110.00} at XXXX XXXX XXXX XXXX with my Citi Double Cash card. When I reviewing charges later in XXXX I noticed I had been charged for three separate charges at XXXX XXXX on XX/XX/XXXX. One charge was for {$42.00}, the second for {$72.00}, and third for {$110.00}. The charges for {$42.00} and XXXX add up to {$110.00}. I was DOUBLE CHARGED. The next time I was at the golf course we reviewed their point-of-sale ( POS ) system for the charges from that date and they had no record of the charges for {$42.00} and {$72.00}. Their POS system on showed the {$110.00} charge. 

With this information, I then filed a dispute for the charges of {$42.00} and {$72.00} with Citi Bank in late XXXX via the chat system Citi has online. A week later, on XX/XX/XXXX, I contacted Citi to ask for a status of the disputes and I was informed that I had withdrawn my dispute, which I had not. I then filed the disputes a second time using Citi 's online dispute system. The dispute for {$42.00} was immediately approved but the dispute for {$72.00} was not. Citi then contacted XXXX XXXX to ask for information related to the disputed charge. XXXX XXXX provided Citi Bank a printout from their POS system with charges from XX/XX/XXXX. Keep in mind the date of the disputed charges is XX/XX/XXXX, not XX/XX/XXXX. With this information from XXXX XXXX, Citi Bank denied my dispute. 

I have again disputed the transaction for {$72.00}. Given that it is clearly obvious I was double charged ( again {$42.00} + {$72.00} = {$110.00} ) it is beyond me why Citi has bungled the dispute twice already so I think it is appropriate that the CFPB be aware. 

At this point, I expect that Citi not only reverse the {$72.00} charge from XXXX but I also expect them to provide a sufficient response to me for and compensation for all the time I have wasted because of their incompetence.
Complaint sub-issue: Problem with statement of dispute

I received notice from my credit protection service that an unknown person applied for auto loan credit in my name XXXX/XXXX/2015 at XXXX places North Carolina. I called these lenders ( XXXX XXXX and XXXX XXXX XXXX XXXX XXXX ), and they XXXX assured me that they had no record of anyone using my name or SSN, and showed no record of these inquiries. I immediately initiated a dispute with Equifax and placed a fraud alert on my credit bureaus. Less than 24 hours later I got an email from Equifax saying that my dispute was resolved and that these inquiries were legitimate and factual. The email gave me no way to speak to a person further about this investigation. I live in XXXX CT. I did not apply for auto credit in North Carolina, and I can not understand how Equifax can determine that these inquiries are factual when XXXX lenders in North Carolina have advised me that they are not. I want Equifax to delete these inquiries from by credit bureau as their existence damages my creditworthiness. I have attached the results of the Equifax investigation.
Complaint sub-issue: Called after sent written cease of comm

Accounts Receivable ( XXXX ) has sent me communication regarding a debt that is not owed to XXXX ( XXXX ). I retained legal representation and the creditor ( XXXX ) and Accounts Receivable were sent a cease and desist from Attorney XXXX. I want Accounts Receivable to no longer contact me by any and/or ALL communication tactics. Thank you.
Complaint sub-issue: Was not notified of investigation status or results

I submitted a dispute to the credit bureaus on XX/XX/2021 and still haven't received a response by mail. It has been over 60 days and i will not wait another 45 days for no response. I will file a complaint with the XXXX XXXX XXXX and the Federal Trade Commission since i am not aware of these accounts. This has caused XXXX  to my life. Please remove these account immediately.
Complaint sub-issue: Problem during payment process

Discover never researched the fraud charges. I know they did not because the Police is still investigating and waiting for documents. I have asked to see every one of the charges. Also the name of the clients the lawyer charged me for, I've never been to XXXX let alone see a lawyer. I NEVER AUTHORIZED ANY CHARGES. THAT PERSON TOOK ALL MY CREDIT CARDS AND DRIVERS LICENSE. I WAS UNDER EXTREME DERESS ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) TO MEET HIS DEMANDS, " OR ELSE '' I'M XXXX XXXX AND DISCOVER IS MAKING ME MAKE ALMOST {$800.00} PAYMENTS A MONTH LEAVING ME WITH NOTHING TO HAVE FOOD, MEDICINE ETC. I DID NOT DO THIS!!!!!!! 

ALSO WHY DID DISCOVER GO OVER MY CREDIT LIMIT BY {$19000.00} THIS IS WRONG. I SHOULD NOT HAVE TO PAY ANYTHING BUT DISCOVER WILL NOT HELP AT ALL. THEY HAVE BEEN TERRIBLE TO DEAL WITH. BUT GOING OVER THE LIMIT NEVER HAPPENS ON OTHER CARDS WITHOUT NOTIFYING ME AND CERTAINLY NOT {$19000.00}. 

I'M PROTESTING THIS TERRIBLE INJUSTICE. THEY NEED TO HELP ME AND REVERSE THE CHARGES LIKE IT SAYS IN THEIR TERMS. 

I WAS IN FEAR FOR MY LIFE, XXXX AS I SAID, THE FAKE DETECTIVE TOOK ALL MY LIFE 'S SAVING " OR ELSE '' CHARGE ON OTHER CARDS, HOWEVER THE BANKS ON THOSE CHARGES GOT REVERSED. 

I WILL FIGHT THESE CHARGES TO GET THEM REVERSED PLEASE HELP ME CFPB, THEY ARE WRONG DOING THIS TO ME. 

XXXX XXXX
Complaint sub-issue: Information belongs to someone else

THE ACCOUNTS/INQURIES LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX   to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).

They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Problem related to refinancing

Hello, I have been trying to refinance my vehicle. The company I am dealing with is OPEN ROAD. 

XXXX XXXX The OpenRoad Lending Auto Loan Savings Team XXXX XXXX XXXX XXXX # XXXX / XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX fax ( XXXX ) XXXX text msg XXXX After an approval was offered to me, they starting adding extras which I denied. Extended coverage protection for mechanical issue and also Gap Insurance. After my denial of these products added to my loan, the pace of the transaction slowed down a lot. 
Even though I requested calls from the loan helper, XXXX, after I leave work, because I have a new job and I am currently going through an extensive amount of training and I am unable to hold on the phone for 30 minutes or more when I try to call this company to follow up on my loan. They did call once or twice but at times I was not available at the times they try to call me. 
In the meantime they are requesting additional contingencies to move forward. It has been 3 weeks or more since I applied. The loan helpers work on commission so I believe that the picture changed when I rejected their added products. I did have the chance to speak to a XXXX, 2 days ago but she tried to push the Extended coverage and the Gap insurance on my loan, once again I denied that and I got disconnected. 
The loan assistant XXXX XXXX keeps asking me to log into the application to add the co-borrower, ( which is fine ), I do understand that. However, the link he has sent twice does not work and I do not seem to be progressing much with this company. 

Now, a person in my family was able to refinance her car loan and she did recommend their services, it looks like in my case I did hit a brick wall head on. This company has rather poor customer service practices and I fear for my private information in the hands of this organization at this point.
Complaint sub-issue: Information belongs to someone else

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that were open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$940.00} XXXX XXXX {$660.00} XXXX   XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX {$38.00}
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes and concerns. 
Section XXXX ( A ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have gotten into the hands of the wrong person
Complaint sub-issue: Account information incorrect

Discover and all 3 credit bureaus XXXX XXXX XXXX and XXXX XXXX have been and are reporting inaccurate information on my credit report. Discover and all 3 credit bureaus have been and are reporting hard inquiries without verifiable proofs of my consents. Discover and all 3 credit bureaus have been and are reporting those hard inquiries as inaccurate information without verifiable proofs. As a result, there are no permissible purposes of putting those hard inquiries on my credit report. I sent certified mails to all 3 credit bureaus and Discover asking about the permissible purposes of those hard inquiries and verifiable proofs of the inaccurate information. I waited more than 30 days to have the verifiable proofs from all 3 credit bureaus and Discover of their inaccurate information and I didnt receive them from all of them. Since neither all 3 credit bureaus nor Discover have verifiable proofs of their inaccurate information and it has been more than 30 days since they received the dispute, according to Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a ) the following hard inquiries  should be deleted immediately. Certified mail tracking number sent to XXXX on XXXX/XXXX/XXXX : XXXX. Second Certified mail tracking number sent to XXXX on XXXX/XXXX/XXXX : XXXX. Third certified mail tracking number sent to XXXX on XXXX/XXXX/XXXX : XXXX. Certified mail tracking number sent to XXXX on XXXX/XXXX/XXXX : XXXX. Second Certified mail tracking number sent to XXXX on XXXX/XXXX/XXXX : XXXX. Third certified mail tracking number sent to XXXX on XXXX/XXXX/XXXX : XXXX. Certified mail tracking number sent to XXXX on XXXX/XXXX/XXXX : XXXX. Second Certified mail tracking number sent to XXXX on XXXX/XXXX/XXXX : XXXX. XXXX certified mail tracking number sent to XX/XX/XXXX on XXXX/XXXX/XXXX : XXXX. Certified mail tracking number sent to DISCOVER FINANCIAL SERVI on XXXX/XXXX/XXXX : XXXX. The following hard inquiries which should be deleted immediately are : Creditor Name : DISCOVER FINANCIAL SVCS Date : XXXX/XXXX/XXXX Creditor Name : DISCOVER FINANCIAL SVCS Date : XXXX/XXXX/XXXX
Complaint sub-issue: Problem using a debit or ATM card

I had a Fraudulent ATM Withdrawal done on my account for {$500.00} in XXXX, CA which is over 70 miles from my residence in XXXX, CA. The Representative informed me that there were several declined attempts as well, was also informed of declined pin attempts as well as declined transactions after the fact all verifying fraudulent activity. US Bank declined my claim because I didnt file a police report even though video surveillance verified it was not me on camera making withdrawal, and under Regulation E they can not legally require a police report and I can not drive 70 miles to make a police report in XXXX, CA.
Complaint sub-issue: Reporting company used your report improperly

CRA is in direct violation of FCRA, FDCPA, DODD FRANK ACT AND METRO 2 COMPLIANCE.
Complaint sub-issue: Their investigation did not fix an error on your report

The account with CitiBank had to be closed because there were fraudulent charges and the company racked up fees and delinquency charges while we attempted to negotiate with them over the fraudulent issue. A hotel XXXX in the XXXX XXXX forced us ( at threat of XXXX XXXX ) to pay our bill, even though the entire stay had been prepaid through XXXX. Citi 's fraud protection should have covered the risk but they refused to reverse it. Their response to our claim is that no information was provided showing the bill ; however proof of payment ( see attached ) was provided to them in 2019 showing the hotel was paid through XXXX, and then paid again with the Citi card when we left. 
Additionally, this merchant was the ONLY creditor who did not agree to work with us in 2019 when we had a job loss in the family. As you can see by the credit report, all other creditors closed the accounts and set up payment plans for us. Citi was the only creditor who did not offer assistance or a payment plan. As you can see there are NO late payments showing for the creditors we worked with at the time of the job loss. All were contacted and offered monthly payments. Citi refused to reverse the fraudulent charge covered by the card terms and conditions ; they assessed delinquencies fees and reported lates to the credit bureau while we were attempting to work out payment on the account. This put the balance into an " over the limit '' status and even higher interest rates were charged. 
Citi did not uphold the terms of the card agreement, and engaged in usery by tacking on higher than normal interest rates and fees while the account was in dispute. We were taken advantage of by a company who tried to profit off our hardships.
Complaint sub-issue: Reporting company used your report improperly

This complaint is regarding the recent Equifax Security Breach that I was made aware of in news media on XXXX XXXX, 2017. My understanding of the situation is that " hackers '' compromised the Equifax systems, potentially exposing personal financial and other information ( including social security numbers, credit card information, and other personal details ) for a large number of people. I used the feature on the Equifax website ( https : //www.equifaxsecurity2017.com ) on this same day which informed me that " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' I am not satisfied with this outcome, as it provides no actionable information to inform me of my vulnerability or to protect my financial and identity information. I have also placed a fraud alert on my credit monitoring.
Complaint sub-issue: Problem with the interest rate

I was given higher interest rates due to my marital status and the company 's unwillingness to consider household income ( they only consider my " individual '' income which is discrimination considering that my spouse and I are ONE household and we make ONE income ). Marital status is protected under the ECOA. 

They are refusing to reverse the credit pull they performed under fraudulent advertising and have no proof I authorized this. They also did not use my correct salutation when addressing me which is also quite offensive.
Complaint sub-issue: Received marketing offer after opted out

I had surgery late XXXX and I was out of commission for about 7 days. My friend named XXXX XXXX XXXX or XXXX stayed with me so that she could care for me. I found out that she put a credit card -XXXX in her name using my social security number, her address and her email address. I recognized her email address and that is why I figured out who stole my identity. Also, I had XXXX other cards that were stolen and I could not determine who stole them, however it was around the same time as this one., so I assume that she stole these as well. XXXX went unidentified because she would use these cards in small increments until she maxed them out. I have filed a police report on the XXXX XXXX credit card and I did put XXXX 's name in the document. I said that I will prosecute her to the fullest extent of the law.
Complaint sub-issue: Other problem getting your report or credit score

Equifax won't respond, unlock, or allow me access to my account, even though I've called and complied with their regulations to unlock an account, that includes providing them with identifiable information and other things they requested. I am paying them every month and they still won't allow me access to my own subscription.
Complaint sub-issue: Unable to open an account

I try to open an acct and it want let me says they can't verify my identity I look on XXXX and there's a bunch of inquiries thT I didn't do
Complaint sub-issue: Account status incorrect

I am a single mother raising a XXXX. I have been targeted by lender and I feel this is based on my culture. I know that my counterparts many paid for school out of pocket. As a minority we are are the last hired at the lowest pay scales. I can accept that there is not much I can do about this type of discrimination. Now lender discrimination is a legal matter that should be addressed. I have on credit report 41 different accounts reporting of student loans. Each of these account have changed hands several time without any notice to me as the consumer. All accounts are showing negative payment history. Each lender has baited and switched these accounts for leveraging against me as single parent. I have received correspondence from the bureaus stating that they have removed an account or updated an account. When I look closer I see that they are still circumventing the rules. They are actually responding without even looking at the actual dispute because if I address 41 negative student loans account and the bureaus address one out of 41, they are still omitting the fact. As long as lenders are doing this my XXXX and I have no future because we can not pay in full student loan debt. I am trying to get better rate but these lenders have my family captured by using this process.