Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Transaction was not authorized

There was a fraudulent debit on my checking account at a XXXX gas station in XXXX California on XX/XX/XXXX for {$99.00}. I am not in XXXX California and my card is with me. I placed a claim with Citibank on XX/XX/XXXX and was promised a provisional credit within 10 days. Citibank has not provided the provisional credit has not resolved the claim and had not researched the fraud. I have called 4 times, reached out through their website, their online banking service, and through social media, and no-one can help. It is now XX/XX/XXXX, and when I called today, I was told we are still researching the claim and it will take 48 hours. This is the THIRD time I have been told this exact same information.
Complaint sub-issue: Other problem getting your report or credit score

On XX/XX/XXXX, I tried to access my credit report on Www.Equifax.com. I was presented with the 'We are temporarily unable to complete this request.. I tried again 3 days ( XX/XX/22 ) later to access via the website and continued to receive the same message as before. Then I called the XXXX on same day on XX/XX/22 and sat on hold for 40 minutes until an agent picked up & line disconnected. No other action was taken until today XX/XX/22 where i tried to login at Www.equifax.com. Once I entered my login info, I received the exact message the other 2x before 'We are temporarily unable to complete this request. ' What are the next steps to resolve this issue.
Complaint sub-issue: Information belongs to someone else

I pulled my credit report and noticed several accounts that do not belong to XXXX Accounts. Fraud was attended on the accounts. They are as listed XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 


n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Their investigation did not fix an error on your report

The credit reporting agencies stated the these accounts where properly investigated and came back verified, however thats not true there are several inaccuracies on my credit report Ive sent certified mail disputes online more than once and they still state thats its correct where they arent In accordance with the fair credit reporting act everything has to be 100 % accurate on my credit report under 15 U.S.code 1681e ( b ) and 15 U.S.code 1681i ( 5 ) these accounts are in violation of reporting 100 % accurate information on my report Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX it state date opened XX/XX/2018 and first date of delinquency XXXX XXXX I have never sign any papers with this account holders name the amount thats on my credit report is outrageous XXXX thats is true
Complaint sub-issue: Account information incorrect

To whom it ay concerm this account has never been late. its pad off in full and never late its reporting late 1 time XX/XX/XXXX. 30-59 days late. This is incorrect as this is when a new card was ordered due to lost card. However the payment was made on time. 

CiTi Bank credit card opened XX/XX/XXXX account is current {$0.00} balance
Complaint sub-issue: Information belongs to someone else

In the month of XX/XX/2018 I reviewed my credit report and there were many fraudulent accounts that were on there. I'm in desperate need of these items being removed.
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 XXXX 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: Attempted to collect wrong amount

I have a fraud collection debt with a company that claims I owe an amount of {$1600.00}. Its says it's from XXXX XXXX   XXXX which I have never been acquaintance with.
Complaint sub-issue: Account status incorrect

My credit report shows closed and over 180 days delinquent. The government has been paying since XXXX relief started. How can it be delinquent? Also, my loan was with XXXX XXXX and was sold to XXXX without notification or ability to get in touch with this company. Even if the government wasnt paying student loan payments, I couldnt pay because I have no way to contact this third party company. I am requesting this delinquency be removed for the above reasons.
Complaint sub-issue: Account status incorrect

In accordance with the newly established policy of the President of the United States, to wit : The debt of these XXXX veterans will be completely erased,, I hereby respectfully request that XXXX and Equifax erase are references to any and all debts owed to The United States Department of Education, XXXX XXXX, or their assignees/agents.
Complaint sub-issue: Information belongs to someone else

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$990.00} ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX CXXXX XXXX XXXX XXXX XXXXE FL XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Complaint sub-issue: Problem with personal statement of dispute

I am requesting the method the method of verification regarding an unverified Bankruptcy on my XXXX XXXX Consumer report. I initially mailed off my first dispute asking them to verify the Bankruptcy on XX/XX/2019 and they responded with it as being verified. However, I have a official letter from the Bankruptcy Court stating that they do not verify Bankruptcies or release information to 3rd party agencies or credit bureaus. So, I sent a second letter on XX/XX/2019 informing them of that and then asked them to verify it again. I got a response back saying that it was again verified directly with the court where the Bankruptcy was filed. 

I recently sent of a 3rd letter on XX/XX/2019 and have attached the actual copy of the letter from the United States Bankruptcy Court that clearly states that they do not release information or verify information with any 3rd party agency and have asked them for a method of verification.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentialality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 USC 1681 section 602 A states I have right to privacy.

15 USC 1681 section 604 A Section 2. It States a consumer reporting agency can not furnish a account without written consent.
Complaint sub-issue: Information belongs to someone else

I am writing to ENHANCED RECOVERY CO L agency because I am having difficulties with buying a house and applying for new credit cards. I paid the collection and do not owe anything, but the mark in XXXX and XXXX reports prevents me from achieving the desired results. 
I am kindly requesting ENHANCED RECOVERY CO L agency to remove this collection from my credit report as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Complaint sub-issue: Public record information inaccurate

I keep sending letters in regard to a bankruptcy that they claim has been verified by XXXX XXXX but the information they are reporting does not match the XXXX XXXX Report, XX/XX/XXXX,XX/XX/XXXXor Equifax report. I also looked on Pacer and none of the information matches. 

I don't understand how all this information is being verified but none of the information is being reported the same from any of the Credit Reporting agencies and I keep getting ignored by XX/XX/XXXXXX/XX/XXXX and Equifax and XXXX XXXX about this. 

Name My name has only been XXXX XXXX XXXX. XX/XX/XXXXhas a reported name of XXXX XXXX XXXX which is completely inaccurate and needs to be removed. 

Bankruptcy XX/XX/XXXX, XXXX, Equifax, XX/XX/XXXXand XXXX all have different Docket # 's All credit reporting agencies are reporting different Court names and addresses which do not match Equifax confirmation # XXXX dated XX/XX/20 investigation was incomplete and did not list any information for the Bankruptcy being reported. 

File for Equifax shows court name Federal - but no information was provided in the investigation results. Report was blank that was provided by Equifax in there investigation results provided on XX/XX/20. 

XX/XX/XXXX File # XXXX dated XX/XX/20 Bankruptcy Court XX/XX/XXXX US Bankruptcy Court with address XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX, XXXX, FL XXXXXX/XX/XXXX Report # XXXX Dated XX/XX/20 US BKPT CT FL XXXX with address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Reference # 's are different on all files XX/XX/XXXX XXXXXX/XX/XXXX XXXX Equifax XXXX and XXXX shows XXXX How can every reporting agency have different information. How can I not get an answer to any of the letters being sent to XX/XX/XXXX. Why was my report incomplete from Equifax. Why isn't XXXX XXXX telling me how they are getting this information if they clearly have not verified this information with anyone since I had to reach out to the court and have told me that they do not verify this information. So how can any of this information be accurate?
Complaint sub-issue: Threatened to sue on too old debt

I received a letter from XXXX XXXX XXXX XXXX , XXXX dated XXXX/XXXX/16 attempting to collect a debt that is too old to be collected or be sued on.
Complaint sub-issue: Account status

I do not remember but in the past i put in a dispute about my old XXXX XXXX account to XXXX. XXXX i 'm not sure did not give my dispute to the other credit agency 's. XXXX XXXX caused my delquiency they charged my card that had a XXXX balance with a {$1.00} cents fee when i refused to pay it they charge me XXXX late fee. I thought it was a mistake and they will see it and correct it.I did n't understand how they can charge me a {$30.00} late fee when I had a XXXX balance. Another month past and they charged me {$30.00} again making my amount {$60.00} dollars on a XXXX balance and a {$1.00} fee. XXXX XXXX never sent me a letter saying they was going to charge me a card Fee if I knew this I would have close the account or never got a XXXX card in the first place.I feel The credit companies Equifax , XXXX, XXXX never investigated this matter.XXXX have the records demand them to release it to your. XXXX XXXX is doing unfair practices to get money and make people credit bad.I feel this information should not be on my credit since i did not cause the delinquency. Also many companies get my information from Equifax which have wrong information about me on it. Number one they have I worked from XXXX for the XXXX. I worked for XXXX since XXXX to now. Second They have multi same accounts on me. First XXXX/XXXX/XXXX is the same company so that is XXXX card. They have accounts that was open in XXXX still on my credit. I understand the XXXX years on the account, but it is not clear to me, is it from the year the account was open or when the account was close. Also there is a car load request on my account. I have never requested a car loan, I went to a dealership who requested my credit score. But I never signed off on requesting a car loan. Also Equifax have a lot of charge accounts on my report and I do n't. I do n't know what XXXX XXXX XXXX is and XXXX XXXX is a card to pay for reading glasses and other health expensive if I can get rid of the card I would but I need it for health issue if my insurance do n't pay for health issues.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( XXXX CARD ) Account # XXXX, has violated my rights. 

Balance {$2000.00} Date opened XX/XX/2019 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
Complaint sub-issue: Charged too much interest

I made an agreement with Discover card over 4 years ago to be put on a monthly payment plan which would allow me to pay off my balance within 2-3 years and still allow me to keep my account open. However, Discover closed my account without notifying me even though I had not missed any of the arranged payments in over a year. I continued making payments because they told me they suspended charging me any additional interest as long as minimum payments were made. It has now been 4 years and although I have paid over {$2400.00} to date, I found out today that my original balance of {$1900.00} has only gone down to {$1700.00}. 

This is the very definition of fraud and predatory lending practices and I would like to get assistance to have the debt reported accurately as paid in full.
Complaint sub-issue: Information belongs to someone else

THE DISPUTED ACCOUNTS AND INQUIRIES ARE NOT LIABLE TO ME AND MY SSN. THOSE ACCOUNTS HAS BEEN INACCURATELY REPORTING ON MY CREDIT AND HAS BEEN EXTREMELY DAMAGING MY CREDIT. PLEASE HAVE THOSE ACCOUNTS REMOVE OFF MY CREDIT FOR THEY HAVE BEEN HURTING MY CHANCES OF ACQUIRING NEW CREDIT.
Complaint sub-issue: Their investigation did not fix an error on your report

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Complaint sub-issue: Other problem getting your report or credit score

I Have been making on time payments to my credit cards and car loan, I even make more payments toward the accounts, I have been checking XXXX XXXX and I notice that Equifax and XXXX they are reporting my payments on time, but the problem it is that they are not giving me points to my credit score, I do see some account have been increase on the credit use and for those they do subtract me point a lot of points, but they don't give me points on my credit score. I have been trying to dispute and fix it for a while and I don't see results.Recently my XXXX card was paid in full, was reported to XXXX XXXX and no points to XXXX or Equifax, XXXX has XXXX balance and still shows with a balance of XXXX, I made an extra payment to my car balance shows reduce from my credit report and no points to my credit score. All credit reports show different numbers a balance that they don't fix. On Equifax I logged in to a service to see if my social was a breach victim and it was. XXXX on Equifax website they will give XXXX or a free year credit report, so I decided to get the XXXX and I haven't see the payment. everything it is a negative thing.
Complaint sub-issue: Didn't receive enough information to verify debt

Did not receive any information concerning this debt, this information is inaccurate. I am trying to purchase a home and this collection is damaging my credit
Complaint sub-issue: Other problem getting your report or credit score

Tried to unfreeze my credit information for 24 hrs. The agent I dealt with at Equifax was hard to understand and did not unfreeze the account. I was trying to deal with XXXX XXXX XXXX XXXX XXXX. Will probably miss the promotion price they are offering.
Complaint sub-issue: Their investigation did not fix an error on your report

For several months, i have asked the bureau to provide me with proof that the unverified account belongs to me. i have asked several times, over several months for them to produce me with documentation that bears my signature, that shows a binding agreement by myself and the creditor on my credit file. The bureau has failed to provide documentation and only respond back with a generic " verified '' response. They havent indicated how it was verified, or whom they spoke with and what information was shared with them that shows it is verified. i believe that this is in violation of my rights. I believe this is in violation of FACTA & FCRA.
Complaint sub-issue: Information belongs to someone else

I mailed identity theft report with all the accounts that are not suppose to be on my credit report on XXXX XXXX I sent an affidavit, copy of identification copy of social security card and a bill to verify my address to Equifax, XXXX  and XXXX. They said they couldnt remove any of these accounts. According to 15 usc 1681 any incorrect information should be removed from credit report.
Complaint sub-issue: Account information incorrect

I was shopping in the XXXX XXXX, SC Home Depot Store, ready to checkout. I was asked to apply for the Home Depot Credit Card and would receive a {$25.00} credit. After a long wait the Clerk told me my application had been denied and I would receive a letter of explanation shortly. 
I received Home Depots letter dated XX/XX/2018 ( Exhibit A ). They gave the reason for denial Account in default with lender or affiliate of lender. I wasnt in default with anyone, so this vague information did not provide much information. 
On XX/XX/2018, I sent a letter to Home Depot Credit Services ( Exhibit B ). Under The Equal Credit Opportunity Act, I am entitled to know why my application was rejected ; I am entitled to be given a specific reason for their denial. 
I have reviewed my XXXX  Credit Report. I have a 100 % on-time payment history ; there was no evidence at all of any default with anyone. In addition, since there was to hit for a creditor inquiry, I suspect my credit was not even reviewed. 
I have never received a response from them ; the incorrect information and the vagness of the reason for denial seemed to close to discrimination. Given that 2 months has since passed, it gives me sufficient evidence to confirm my suspicion of discrimination.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I have called and spoke with enhanced Recovery company several times regarding a XXXX bill that they have in collections for me. I have explained to them i was not in contract with XXXX and i was on a family plan with XXXX. I took 3 XXXX on lease with XXXX and i already made full payments on these phones but my bills were still showing high amount. When i looked into my account, i realized the phones had a lease fee on them every month. I called XXXX  and asked why there was a lease on my phones when i already made payments in full for all my phones. I was told by XXXX after i already purchased the phones i would still be paying to lease it. I disagree with XXXX because why would i purchase a phone that pay a leasing fee to use it. it does not make sense so i paid my last bill to XXXX in full and cancel my services but i kept the phones since i already paid for the phones in full. I was then sent to collections. I spoke to enhanced recovery and explain this to them but they refused to take off this account off my credit report. I need your help in getting this off my credit since i've been harrassed and threatened by enhanced recovery that my credit would be damaged beyond repair if i refused to pay them.
Complaint sub-issue: Information belongs to someone else

THIS IS MY SECOND TIME DIPSUTING THESE FRAUDULENT ACCOUNTS. THIS IS A VIOLATION OF MY RIGHTS AND ITS CAUSING MYSELF AND MY FAMILY HARDSHIP THAT SOMEONE WAS ALLOWED TO USE MY INFO TO OPEN THESE ACCOUNTS. PLEASE REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT PROFILE.
Complaint sub-issue: Problem accessing account

PNC has made changes that has prevents customers to be able to link accounts with 3rd party vendors. This change happens at the worse possible time at the height of the Covid-19 pandemic when consumers needed to access money in contact-less ways. 

I needed to transfer money in and out of XXXX so that I could pay people for services. Unfortunately, right when i needed this, PNC made changes that would not allow this to happen. I called to complain about this and voice my frustration. 

Now I am trying to link my account to XXXX so that I can collect rent payments and it is not allowing me to do so. I received an error message from XXXX saying that PNC has made changes that prevents being able to link accounts.
Complaint sub-issue: Didn't receive services that were advertised

To Whom it may concern.

Due to the encouragement from Credit Karma my credit profile has suffered. I applied for multiple credit cards under the impression that i would be approved based on Credit Karmas recommendation. My credit report has suffered unnecessary damage as a result of the inaccurate information from Credit Karma. As we all know and understand to many hard inquiries can be devastating to a consumers credit report!!! Please see the attachments. As i have received hard inquires and denials from the following creditors. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 All the pre approvals from Credit karma were misleading and against the CFPB rules. 
The drip campaign of pre approvals for credit cards was unrelenting for months giving me false hope that i would be approved. Mean while Credit Karma knew i was being mislead all for them to make a profit.