Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I have been the victim of fraud. Citibank, over 3 months, have finally decided they agree with me, but have stated it has been too long to reverse the charges. I submit that their lack of timely communication, and lack of communication at all, have contributed to the fact the dispute has taken 3 months to resolve, and that I should get my charges reversed. I have dozens of documents that show my story with timeline of events.
Complaint sub-issue: Information belongs to someone else

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. See attach
Complaint sub-issue: Their investigation did not fix an error on your report

The attached document account with XXXX, a secured card lender, is inaccurate, fraudulent, misleading, deception, not my account, and I did not give consent, permission, or authorization the account documented in the attachment. 

Further, XXXX sent documentation on XX/XX/2020 stating that the account listed with XXXX does not belong to me, that it was closed out in error, and that it belonged to someone else, and/or was opened unlawfully. 

The record shall be removed.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX  XXXX Account # XXXXXXXX XXXX XXXX  XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681C. ( a ) ( 5 ) Section States : 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 crime which antedates the report by more than seven years.

15 U.S.C 1681-2 ( 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: Other problem

I have 4credit cards issued by CITI. In the months of XXXX through XXXX they dropped all credit limits on three of the cards and I expect the 4th one to drop next. Although my credit card useage is high, prior to the decreases about 38 %. It is now over 50. I have dramatically cut card useage down since XXXX when I no longer had to pay medical expenses accrued during XXXX XXXX  I was being treated for with no insurance. I had one card with them which was a balance transfer option and I paid down some of my cards with it. I have impeccable payment history and have not gone into collections for medical  bills. I have never missed a payment nor been late and even during COVID made my payments while on job attached unemployment. I have not missed work even through XXXX  although I cut down on hours when feeling XXXX  from side effects. I went back to work quickly against doctors wishes when I had XXXX. I feel that destroying my credit rating by one bank that holds a monopoly of different credit cards is not correct. This bank has brought my credit score down by 42 points in three months and has put my credit with my other cards at risk. I am not a risk and have worked to ensure all payments are made on time and in full. I am a XXXX  and I pay more when I can but always minimum due. Last month I paid over 500 of balances down which does not seem like a lot but it was an accomplishment. I more than qualify for chapter XXXX bankruptcy, but it is not an option as I am a responsible consumer. I have reached out and was told they reviewed my credit report and decided this was my punishment for using credit cards. I was told that with my permission prior to XX/XX/XXXX they woul re~review my credit report, which is now down 42 points and because of their direct interference my credit useage has jumped up. Their decision will not change and will then add an inquiry. I was notified via letter that the decision was not based on credit company information when in fact it was. I did not know a review of my credit file was used. I am nervous about the effect this is going to have on my purchase of a mobile home with my daughter. This is a lot of power that one entity has over one person. I feel that the freedom of these types of actions should be monitored. This a very common occurrence with this bank especially as I have been studying complaints with XXXX. I understand the need to make changes but not on that many accounts in such a short period of time.
Complaint sub-issue: Threatened to sue on too old debt

I have 4 accounts that are past 7 years old and a collections co took out a rit on me and says I still need to pay. They even said they were going to garnish my wages. it has been past 7 years. Can they do this?
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX   1. ) XX/XX/2016 {$1300.00} XXXX 1. ) XX/XX/ {$1300.00} 2. ) XX/XX/2016 {$1300.00} I reached out to my insurance XXXX  and requested my coverage of that particular item, and they also informed me that it was paid in full. And I sent the documents to all 3 bureaus.
Complaint sub-issue: Reporting company used your report improperly

The credit bureau never did a proper investigation according to the FCRA.

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

The did not do this.

Also they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions I did not give anybody written instructions
Complaint sub-issue: Information belongs to someone else

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Reporting company used your report improperly

My data was involved with the Equifax data breach of 2017. They knew about the breach months ago but I have just heard about it now. 

My personal information has n't been used yet, to my knowledge, but now my SSN, credit card numbers, DOB, and potentially my driver 's license number are now public knowledge. They should have safeguarded this information at HIPAA levels, this is unacceptable.
Complaint sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finish

My car lease was with Volkswagen. The lease loan was with Volkswagen credit. My car lease ended in XX/XX/XXXX and all payment due have been paid with my account in Volkswagen Credit fully closed on XX/XX/XXXX. After one year, they still send me bill saying I own them property tax for the full year of XX/XX/XXXX. I called them 3 months ago, explaining that this must be wrong. The agent realized they made a mistake and I might only owe the piece between XX/XX/XXXX to XX/XX/XXXX, which was the period I still had the car. They promised me to correct it and will contact me once it's clear. Now 3 months later they still keep sending me the same bill and now, with a notice from their collection department!!! I'm very worried they will abuse my credit report. If I did not pay attention to such bill I might have paid the excessive charge they recklessly put on me. I feel very angry as an individual consumer I need to worry about and deal with such excessive charge, and even after I made my effort trying to correct them, which they accepted and promised would correct, they still keep doing that! I need someone to investigate their statement system and correct the bug which might already have hurt many customers if they simply accept and pay it!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

do to the XXXX XXXX giving false pre-approvals, in which resulted in denials also caused many inquiries on my consumer report. The inquiries are effecting my chances of getting approved for any opportunities available to better my livelihood and the way of life.
Complaint sub-issue: Can't temporarily delay making payments

I have reached out to have payments deferred. I should not have reporting late payments. On XXXX, 2018 I had to work with XXXX XXXX via email to have the issue resolved.
Complaint sub-issue: Debt was result of identity theft

I mailed Credit Bureaus a letter disputing inaccurate information on my credit report over a months ago and in response I received a letter from Bureaus stating the ID I submitted was insufficient to verify my address and identity.

The identification I submitted is sufficient according to Bureaus guidelines and I demand that
Bureau examine the enclosed documents more carefully this time. I have also included my original letter for your convenience in this envelope.
The disputed items must be investigated. Item i'm talking about is a result of identity theft.

1. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
Complaint sub-issue: Transaction was not authorized

PNC bank is holding my client 's {$5000.00} in escrow funds even though they have been released by both parties Buyer and Seller. 

Back story : " 1. XXXX XXXX borrowed money from a NY based unscrupulous lender. The lender started legal proceedings against XXXX when the company closed its doors. They then served papers on PNC Bank to put a hold on XXXX funds. They are allowed to do this against XXXX Operating account ( XXXX money ) but not against XXXX Escrow account ( money being held for clients ). 
2. We believe PNC Bank acted improperly by allowing a hold on the Escrow account. Without directly agreeing with us, they have asked us to prove that the Escrow account is truly our clients money. We have provided that info and are awaiting their response. 
3. XXXX has been negotiating with PNC Bank and has made some progress. 
4. The Escrow account in question has over {$40000.00} in it, all of which is not XXXX money and should be released. We have asked that your {$5000.00} be released while this matter is resolved. '' I understand they are freezing the business account of XXXX XXXX, but the escrow account is not their money - these are funds held in trust for clients - and subject to release upon release by both parties.
Complaint sub-issue: Was not notified of investigation status or results

Several accounts on my credit report are fragluent and should be removed immediately. I have completed several documents to provide support for my claim. I provided the FTC to show that these accounts don't belong to me and then I also completed CFPB that received no response. According to the law to protect consumers, after the investigation the documents are supposed to be provided to the consumer, me. The accounts in question are XXXX XXXX and XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. First off the results of the investigation were never shared with me. Secondly the production of a wet signature was provided. 

The claims that were not responded to with document are as follows : XXXX & XXXX - XXXX XXXX XXXX XXXX XXXX & XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attached are documents to support my claim
Complaint sub-issue: Problem with customer service

I attended XXXX University from XXXX. The company made promises of job placement that never happened.
Complaint sub-issue: Other problem getting your report or credit score

I bought a car on the XX/XX/XXXX from a dealer. The dealer sent off requesting credit from multiple creditors. All of the creditors received a response of a " XXXX '' that is XXXX credit score or it read N/A. I was forced to buy a car as my only transportation broke down. I am disabled and need transportation to doctors. I am paying 28 percent interest and should be paying 7. The company is Equifax and I have contacted them by phone three times and they ask questions that I would only know if I had a credit report, the one they refuse to give me. The latest attempt was today XX/XX/2019 and same results. This has and will cause me financial hardship. This company is holding my life XXXX and I want to file charges if I can. I have read a lot of complaints about this company on the internet and can not believe I am the first to complain. Thank you
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

ACCOUNTS LISTED ON MY CREDIT PROFILE THAT DOES NOT BELONG
Complaint sub-issue: Was not notified of investigation status or results

Equifax allowed my information to be hacked, and they waited 30 days to notify me. Now when attempting to place a fraud alert on my account their phone and website are not functioning properly.
Complaint sub-issue: Debt was result of identity theft

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , FL XXXX TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AFNI, INC. XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Complaint sub-issue: Received bad information about my loan

My loan servicer has incompetently processed my documents, provided me with false information, and incorrectly denied me the payment plan I requested to receive which has resulted in XXXX of dollars of interest incorrectly accrued to my student loan debt. Fedloan servicing has caused me financial stress through a lack of accountability in their processors, and I have spent several hours on the phone and over a year writing correspondence to attempt to correct this issue to no avail. I have exhausted many alternatives trying to deal with their bureaucracy which has accomplished nothing except tacking on XXXX of dollars to my principal. So now I seek external accountability measures to redress this issue.
Complaint sub-issue: Didn't receive advertised or promotional terms

XXXX XXXX I applied for a card through credit karma because they told me in a promotion that I would get pre-approved. It also that it wouldnt be reported as a hard inquiry. I did not get approved and it was reported as a hard inquiry.
Complaint sub-issue: Can't use card to make purchases

My credit card has been locked by citi. The fraud department has not given me a clear answer as to why that is, and now wants me to wait WEEKS and submit proof of my social security number by filling out a form. During this time, I will be unable to use my credit card. 

I am attaching my passport, my license, a copy of my federal tax return from 2016, and a XXXX issued by XXXX XXXX. I have misplaced my social security card, and it will take work for me to get it replaced.
Complaint sub-issue: Application denied

Discover violated my consumer rights. Case No : XXXX XXXX U.S. Code 1691 ( d ) ( 3 ) A statement of reasons meets the requirements of this section only if it contains the specific reasons for the adverse action taken. i was never sent the specific reason why i was denied access to my own credit. 

15 U.S. Code 1691 ( d ) ( 2 ) ( B ) ( i ) the applicants right to a statement of reasons within thirty days after receipt by the creditor of a request made within sixty days after such notification. I received a letter dated XX/XX/2021, this letter has no Adverse Action on it, nor was it within the 60 days.
Complaint sub-issue: Account information incorrect

I recently refinance my car though my credit union ( XXXX XXXX XXXX XXXX ).  My previous creditor was XXXX XXXX. XXXX XXXX gave me a payoff amount of {$24000.00}. XXXX XXXX XXXX XXXX cut me a check dated XX/XX/XXXX. The check was mailed to XXXX the same day. It took XXXX weeks to locate my payment stating since they hadnt received my payment within the 10 pay off balance, I owe an addition {$85.00} ( interest fees ). I complained about that because my check clearly states the check date and the check date is well within the 10 payoff. My car has been paid off in Total with XXXX XXXX since XX/XX/XXXX and they have not updated my payment status since XX/XX/XXXX. Since XXXX has not updated my credit since XX/XX/XXXX it appears as if I have 2 car loan with 2 different companies. This is affecting my credit severely by increasing my debt and lowering my credit score. I have since contacted XXXX a few times asking why my credit has not been updated. They stated they have been having issues with their system and my credit will be updated by the end of XX/XX/XXXX. It is now XX/XX/XXXX and my credit has still not been updated. Now, if I was late on my car note payments they would have no issue with reporting this to all 3 of the credit bureaus. Im attaching my proof of payment and I want my credit update immediately.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act the following companies have violated my rights. 

15 U.S.C. 1681 section 602 A States I have a 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. 

XXXX XXXX  Acct : xxxxxxxxxxxx XXXX This was also a secured account where the amount funding the original should have been updated to reflect accurate balance. 

XXXX XXXX XXXX Acct : XXXX XXXX This account was in predatory lending lawsuit and they have failed numerous disputes to accurately reflect all payments made in the 4 year period before the illegal repo which there was an agreement in place to have funds paid by a certain date. The original purchase minus the total payments and the sale of the vehicle at auction which they failed to notify me of the date or location so that I could settle the difference. They took the vehicle to another state for auction and I was uninformed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The information is inaccurate as listed on all accounts as far as dates and amounts plus some payments. They have been disputed through the credit reporting companies as well and they all failed to provide the proper validation and or updates as requested by me, the consumer who is named. 


My information on some reports also has my name listed as XXXX XXXX or XXXX XXXX which is not me. 


15 U.S.C. 1681 section 602 A States I have a 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: Their investigation did not fix an error on your report

XX/XX/2016, {$1300.00}, and XXXX XXXX reached out to me and I agreed to pay balance. I paid large sum moneys ; difference outsource company contact me regarding my XXXX XXXX credit. Paid them as well as XXXX XXXX call me then paid them.
Complaint sub-issue: Billing problem

XXXX letter from key bank XXXX XXXX XXXX XXXX oh XXXX " Due to the circumstances of your Account we are not reporting the Account to the consumer credit reporting agencies '' The auto loan was reaffirmed XXXX. I have made all payments. They can not tell me what " circumstances '' means. They have not sent me a monthly billing statement in two years or made it available online.I would like both issues to be resolved.
Complaint sub-issue: Reporting company used your report improperly

This complaint is in regards to Equifax 's recent security breach. Upon checking XXXX, I was informed that my information may have been " compromised. '' Because of this security breach, my social security number, date of birth, full address, and potentially driver 's license and credit card numbers have been stolen ; I must assume that my information is now public data. I am at immediate risk of becoming a victim of identify theft because of Equifax 's negligence.
Complaint sub-issue: Their investigation did not fix an error on your report

please update this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC-XXXX ( XXXX ) XXXXAccount Number : XXXX, to the statues of paid off and paid as agreed.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am currently disputing a fraud item from XXXX which took place in XXXX, however recently XXXX placed a hard inquiry on my credit reports without reason.