Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem using a debit or ATM card

On XX/XX/XXXX, I made a PURCHASE of {$750.00} at XXXX using my DEBIT CARD and PIN. However, the purchase was canceled right away and the merchant ( XXXX ) informed that the funds will go back into my account. On XX/XX/XXXX, I filed a merchant dispute and it was denied. I called and asked why it was denied and nobody could give an answer. On XX/XX/XXXX, I refilled the dispute and explained that my purchase with XXXX was canceled by XXXX but they never refunded my funds back to my account. US Bank denied my claim and refused to tell me the reason why. Because it's within my right as a customer to request information, I formally requested that they send me the INFORMATION based on which they made their decision to denied my merchant dispute. However, they never provided me with the information. As of today XX/XX/, I have not received the documents or information US bank used in the investigation.
Complaint sub-issue: Other problem getting your report or credit score

Hello! 

The credit bureaus have responded that I must verify my identity but I have been calling countless times for them to explain to me in more detail how I should proceed and they leave me several minutes on the line waiting and they do not answer me. They are affecting my credit with erroneous information and on top of that they play with my time making me wait and then not solve anything. I want them to immediately open an investigation with my disputes since it has only been me who has been sending letters.
Complaint sub-issue: Other problem getting your report or credit score

XXXX. Equifax, AFTER my written and repeated requests and without reason, refuses to provide me with an 'ARCHIVED ' record of my credit score for XX/XX/2020. 
XXXX. The downloaded documents detail that ( Attachment # 1 ) Equifax provided me with my current score. That's not what I wrote them for ( Attachment # 2 ). 
XXXX. Equifax KNOWINGLY refuses to provide me with a record of my score history, because they asked me to submit verification information that THEY ALREADY HAD. XXXX XXXX XXXX XXXX XXXX XXXX. The XXXX XXXX XXXX XXXX adversely affected my credit score when they informed me that they retrieved a score from Equifax that resulted in their decision to administer adverse actions against me based upon 'Delinquency '. XXXX Attachment # 4 )
Complaint sub-issue: Debt is not yours

XXXX is reporting a debt on my credit file that is not mine. I am no longer an authorized user on this card and It needs to be removed off my credit file.
Complaint sub-issue: Can't get flexible payment options

I am behind on my student loan because I can not afford the payments. I contacted the servicer to see if they can offer me any assistance to bring the account current or at least get on a payment plan. They have no options for me. So although I am attempting to pay because I can not pay the past due balance in full there is nothing they can do. This is very frustrating because it seems that all I can do is have the account go to collections. I have been paying on this account for 7 years now and ran into financial difficulties. It seems that more options need to be available to help borrowers pay these loans.
Complaint sub-issue: Received bad information about your loan

I had my loans permanently discharged because of my XXXX in XXXX. However, a parental loan I took out in XXXX for around XXXX is now being garnished from my mother social security check. She is also XXXX from a XXXX she had in XXXX. We have told them about TPD but they continue to garnish her SS check. We need help resolving this issue. They are refusing to correct the issue.
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$28000.00} Late/Open Late Date XX/XX/XXXX
Complaint sub-issue: Debt is not yours

XX/XX/XXXX RECIEVED ANOTHER LETTER TO MY HOME XXXX XXXX XXXX XXXX XXXXXXXX FLORIDA XXXX ABOUT A DEBT AGAIN FOR THE 18TH TIME WHICH INCLUDES PHONE CALLS STARTING BACK FROM XX/XX/XXXX WHEN I FIRST FILED THE INITIAL COMPLAINT WITH THE FLORIDA OFFICE OF FINANCIAL REGULATION. COMPLAINT ID XXXX SATED TO XXXX A YEAR AGO AND I DO NOT OWE ALSO FROM XXXX XXXX XXXX XXXX AND XXXX THE SAME TACTICS VIOLATION OF THE FEDERAL FAIR DEBT C OLLECTION PRACTICES ACT.
Complaint sub-issue: Was not notified of investigation status or results

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : Original Creditor, XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX. Inquiries : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX ACCT, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX/XXXX, XXXX XXXX, XXXX XXXX   XXXX.
Complaint sub-issue: Information belongs to someone else

I don't recognize this account. I never applied for it, I don't have any contracts or agreements with this company.
Complaint sub-issue: Problem getting your free annual credit report

On or about XX/XX/2019 I went on line to get my free annual credit report from EQUIFAX. tHE REQUEST WAS VERY DIFFICULT TO FILL OUT AND AFTER i WAS DONE THEY STATED THAT i HAD TO SEND THEM 2 i.d . 'S AND ALL SORTS OF OTHER THINGS. 2 weeks later I again tried this time ( 5 weeks ago ) over the telephone and I am still waiting on my free credit report
Complaint sub-issue: Their investigation did not fix an error on your report

RE : Account # - XXXX I disputed the referenced account above on XX/XX/2019 with Equifax . The credit report obtained on XX/XX/2019 and their credit report # XXXX showed this item was deleted from my credit file. Now this item has been reinserted on my Equifax credit report. 

In accordance with the requirements of the FCRA as stated below, I am hereby requesting Equifas complete compliance with any and all the provisions : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material.

*Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 

*If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date : ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and, ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.

To date, I have not received any such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Equifax can avoid such action by immediately deleting this listing from my Equifax credit report.
Complaint sub-issue: Debt is not yours

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XX/XX/2022 ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( REF. ) : Sezzle Account Ending In XXXX YOU BROKE THE LAW & ARE IN VIOLATION OF THE FDCPA Pursuant to 15 usc 1692 c ( a ), you must have my direct consent and written instruction to contact me in connection of debt collection. NEVER! Did I give such consent or instruction. Also, Id like to make it explicitly clear that ALL debts are ALLEGED Pursuant to 15 usc 1692 ( a ) ( 5 ). Therefore, telling a Natural Person they owe anything is a direct violation of federal law according to the FDCPA! Also, NEVER was I provided with the 5 things that are REQUIRED under Federal Law in connection with collection of this alleged debt, Pursuant to 15 usc 1692 g ( a ) 1-5 after your initial communication. 

Id also like to point out the use of the term loan, this term is not defined anywhere under Federal Law! So why is XXXX XXXX using such terms? It is illegal and highly unethical to use terms that will mislead the consumer. I must understand every credit transaction & XXXX XXXX has yet to provide such clarity. Making any loan null and void According to XXXX XXXX they received my private personal identifying information from Sezzle Inc. NEVER! Did I give Sezzle, such authorization or written instruction to communicate to a third party my private information or be contacted by said third party Pursuant to 15 usc 1692 ( c ) ( a ). I have a right to privacy! Which both parties are in violation of those rights. Since I did not give XXXX XXXX my private identifying information directly, I will be treating this as Identity Theft which is illegal Pursuant to Federal Law! Pursuant to 15 usc 1692 ( j ) it is also a violation of the FDCPA to furnish certain deceptive forms to create the false impression anyone, but the creditor is participating in the collection of a debt. This is apparent when continuing to coerce me to make payment payable to XXXX XXXX who I NEVER did business with nor whom was present for said alleged obligation. 

It is becoming abundantly clear of XXXX XXXX gross negligence in complying with Federal Law. All debt collectors must comply with the FDCPA and are liable for All violations pursuant 15 usc 1692 K! 

XXXX XXXX has violated my federally protected rights and are liable for said violations In the amount of {$5000.00}! I expect a check be sent to the abovementioned name and address you have on file in the amount of {$5000.00} no later than 7 days after receiving these communications & all communications with me going forward shall cease and desist. The account you have in my name be deleted and any obligations be Zeroed Out completely. If I do not receive my check & deletion of all alleged obligations. I will use every resource available to me to collect remedy not limited to Federal & State Court. 

Attached is an invoice payable to my name. 


Kind Regards XXXX XXXX Without Prejudice, ALL Natural Inalienable Rights Reserved
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Complaint sub-issue: Personal information incorrect

My Odyssey of torture continues!!! With no way to update ongoing complaints I have to open a new one again. Complaint # XXXX and Complaint # XXXX. Equifax continues to inaccurately report a Social Security Variation. I just received a letter from Equifax stating that The disputed variation of the social security number has been deleted from the credit file. Well NO it has not! I also just received another Equifax credit report with, drum roll, the dreaded Social Security # Variation reported on it! If the SS # Variation has been deleted from the file then it should not appear on the Equifax credit report now or ever in the future!!! Please, please, please someone end this MADNESS! Help me to regain singularity in my identity!! ONE SS # per person Please!!!
Complaint sub-issue: Account information incorrect

XX/XX/XXXX : I tried to refinance my car loan from XXXX XXXX to XXXX XXXX. XXXX XXXX never received the payoff check in the mail. I cancelled the loan with XXXX XXXX due to this issue. I contacted XXXX XXXX on XX/XX/XXXX to see if they could report a XXXX balance on my credit report and to get this account deleted. The representative instructed me to contact all 3 credit bureaus about this issue because it would get done quicker. Attached is a message from XXXX XXXX to dispute this as well as a statement showing I do n't carry a loan with XXXX XXXX nor a balance.
Complaint sub-issue: Debt is not yours

In XX/XX/XXXX I disputed a item that was incorrect on my credit report. The incorrect item which is AFNI. The credit report agency reported that the item was verified. I sent a certified letter to AFNI requesting validation, made pursuant ton the fair debt collection practices ACT. I ASLO REQUESTED COPIES OF THE ORIGINAL CONTRACT WITH THAT ACCOUNT BEARNING MY SIGNATURE FROM AFNI. WHICH IAM entitled to see the proof of verification in XXXX. XX/XX/XXXX. to the address reported on my credit report which is XXXX XXXX XXXX XXXX , Il XXXX the letter was sent certified. I have the receipt showing that they received the letter and I sent the letter via certified. and they have failed to respond to my letter and request and they are in violation of the fair debt collection practices 807-8. Defamation, Negligent enablement of identity fraud, violation of the fair credit reporting act. today is XX/XX/XXXX and they have not responded to me.
Complaint sub-issue: Information belongs to someone else

Equifax refuses to investigate fraudulent unauthorized inquiries after several disputes. The last dispute was XX/XX/XXXX  and today is XXXX and no investigation. 

I request these fraudulent unauthorized inquiries and I request to delete them ASAP. Yes I have tried to contact the creditor and they dont have any record I signed a contract with them as required by FCRA. 

The unauthorized inquiries are : XXXX XXXX ON XX/XX/XXXX  XXXX XXXX XXXX on XX/XX/XXXX  XXXX XXXX XXXX  : XX/XX/XXXX  XXXX  XXXX  ON XX/XX/XXXX  Global Lending Services on XX/XX/
Complaint sub-issue: Information belongs to someone else

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX   XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXXXXXX XXXXXXXX XXXX   XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX
Complaint sub-issue: Can't use card to make purchases

XX/XX/2018 I made a charge of {$3500.00} for an upcoming XXXX. on XX/XX/XXXX the rest of the XXXX charge of {$3500.00} was made. I have a credit limit of {$7000.00} and almost {$9000.00} in credit on the card since I sent in the money to cover the upcoming medical charges. Every charge on the card since XX/XX/XXXX when the {$3500.00} was charged is in pending, 5 charges to date are sitting in pending. 

When I called their customer service ( in XXXX ) I am told that the charges are in pending because the merchant has not collected the money. That makes no sense so I asked to speak to a supervisor who kept saying the same thing. She did admit it was odd so many charges were sitting in pending when I have all my credit limit available and a credit on the account. She said they have no one to investigate this type of issue and there is nothing they can do. In the mean time no one is getting paid and I can not use the card because every charge will go to pending. If I do not get my XXXX I could die, but no one at CITI cares.
Complaint sub-issue: Public record information inaccurate

Chapter XXXX bankruptcy being reported I have no accounts in bankruptcy this was error. I have spoken with creditors ask this to be removed Violating my consumer rights Public Record Credit Reporting Standards to Begin XX/XX/XXXX Civil Judgments and some Tax Liens to be removed from many credit reports New standards for how tax liens and civil judgments are included in credit reports will go into effect on XX/XX/XXXX. These changes are part of the National Consumer Assistance Plan ( NCAP ), an initiative of the three nationwide consumer reporting agencies ( CRAs ) XXXX, XXXX and XXXX to enhance the accuracy of credit report information and to improve the experience consumers have when interacting with the CRAs about their credit report. Beginning XX/XX/XXXX, public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain minimum identifying information and be collected at more frequent intervals as follows : Minimum reporting of : ( 1 ) Name,
Complaint sub-issue: Debt is not mine

This Company by the name of ProCollect Inc keeps on calling me regarding a debt that is not owed by me. I had asked them to stop calling me because I am not the person they are looking for. They promised they would never call me again and today they called again.
Complaint sub-issue: Information belongs to someone else

FTC Violations Texas Auto Dealer Will Pay More Than {$82000.00} To Settle FTC Charges It Violated Fair Credit Reporting Act Loan-Servicing Arm of XXXX XXXX Failed to Maintain Policies and Procedures Required by FCRAs Furnisher Rule to Maintain Accuracy, Integrity of Consumer Information XXXX XXXX XXXX XXXX open XX/XX/2016 {$22000.00}, my name is not correct.
Complaint sub-issue: Information belongs to someone else

The credit companies are not complying with their own policies in a timely manner. 
I submit letter XX/XX/XXXX and havent gotten a response yet
Complaint sub-issue: Account information incorrect

Greetings, I noticed a change in my credit report around XX/XX/XXXX where XXXX had reported four student loans that had been settled and paid off in XXXX. The student loans where initially reported under XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( which is under XXXX  ). I settled these loans via collection from XXXX XXXX XXXX. I recieve lettersfrom the collector with the settlement amount and the XXXX XXXX settlement authorization and proceed to pay. In XX/XX/XXXX I recieved the letter that brought the student loan to settled and {$0.00} owed. I sent a packet with a letter explaining and copies of all my supporting documentation and I recieved the certified mail PS Form 3811 stamped recieved by XXXX XXXX XX/XX/XXXX, but they never wrote back with a response. 

I sent the copy of the packet with all supporting docuementation to the XXXX, Equifax and XXXX with no luck as they stated that XXXX certified the account as if their information is accurate. I dont understand why they credit agencies determine at XXXX favor as the reported account numbers are the reference numbers in the letters. I'm an XXXX XXXX XXXX and this have impacted my credit negatively which has put my military security clearence in jeopardy as well as my career as I'm required certain high level of clearence. 

Please I beg someone assist me in this matter. Thank you kindly.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX Balance : {$940.00}
Complaint sub-issue: Threatened to sue on too old debt

Contacted my Manager XXXX at my work. They told her if I did not contact them today they would serve me court papers at my job. This debt is more than 7 years old.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/XXXX I Got A Alert That - Thanks For Taking The Time To Apply For A XXXX XXXX Credit Card And I Got Surprised I Didnt Apply Any Credit Card So How Come I Am Getting eMail. I Called XXXX XXXX Application Fraud Team And Spoke To Supervisor Ms. XXXX XXXX ID XXXX Location - Florida On XXXX..At XXXX And She Promise Me She Is Sending eMail To All 3 Credit Agencies To Delete It From My Record But Till Date XX/XX/XXXX. It Didnt Get Deleted or Removed From My XXXX And Equifax.. 

I Waited For 30 Days And Called And Speak To So Many Manager / Supervisor At XXXX XXXX Application Fraud Team They Said We Already Informed Electronically To The Credit Agencies And Sent By Mail As Your Application ID : XXXX And The Letter Sent On XX/XX/XXXX To All Credit Agencies.. They Will Do It Whenever They Want.. 

So I Am Requesting You Please Help Me To Fix This Issue Because Of XXXX XXXX Fraud Inquiry Is Effecting My Crediancials With Other Credit Lenders And My Life And My Family Life..