Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Public record information inaccurate

My husband and I filed a dispute with Equifax and XXXX about our chapter XXXX bankruptcy. We have applied for a mortgage and the report they received shows that our bankruptcy has never been discharged or still open. When you look at our credit reports one company has we filed individual and one says joint. We are married filed joint and used a lawyer. This bankruptcy on our credit report is damaging our credit and preventing us from buying a home. 

Public Records Things like bankruptcies and legal judgments against you can show up on your credit report and do some damage to your score. 

Individual : Bankruptcy XXXX XXXX, 2011 {$0.00} Discharged XXXX Overview Reference Number XXXX Date Filed XXXX XXXX, 2011 Classification Bankruptcy Type Individual Responsibility Joint
Complaint sub-issue: Unable to open an account

I was a victim of identity theft on line now i can not open any account when i applied for a job online and was defrauded with fraudulent checks being deposited on my account unknowingly been a victim of a crime against banking institution until i was notified that the check issued by the supposed to be employer was a fraud and did not clear. Ever since then I was declined to open any account that teach me a lesson not to apply for any transaction or jobs on line. Some electric company also claim i have an unpaid utility in Mary land and an apartment there i told the police i have never been to Maryland.
Complaint sub-issue: Received bad information about your loan

In 2006 i took a loan for XXXX with XXXX XXXX XXXX, my grandmother co-signed the note. As of this date i have not been able to find full time employment and although i was on an interest only plan for 2 years and also deferment at one time, the loan has become past due. I contacted AES and was told that XXXX owns the loan and that they have no there options for me, resulting in negative reporting to my credit file, which has negatively affected me when i apply for jobs. 

I have called AES ON numerous occasions requesting proof of transfer of my loan to XXXX, i never received anything and was told via email that they were unable to provide me with same ( copy of email attached ). 

My grandmother is in the XXXX XXXX XXXX  XXXX and can not help me. My mother has been assisting in payments but she is on XXXX and is limited in what she can do. 

I have been making payments for a while now and nothing has come off the principal of the loan and i now owe in excess of 57,000 dollars on a XXXX loan. i need help. 

The interest rate has gone up again and my payment will now be more than the {$460.00} i currently pay and i can't afford that.
Complaint sub-issue: Didn't receive terms that were advertised

My account was opening on XX/XX/2019 where I was to receive a {$400.00} bonus for keeping {$15000.00} in the account for 60 days. In XX/XX/XXXX, several fraudulent transactions were conducted on my account where my balance fell below the {$15000.00} threshold. It was confirmed to me that the fraudulent transactions would not change me receiving my bonus. Now, over 60 days later, they are changing their tune and unsure if I will receive it or not. 

Customer service has been contacted over 20 times regarding this, and nobody can figure out how to do anything. I get transferred around repeatedly, and nobody can do anything. I wait on hold for promotions departments, fraud departments, supervisors, complaint departments, etc. Nobody has been able to resolve anything and they just transfer me to the next person who is as incapable as the last.

My funds have been held hostage now because I had to put a freeze on my account. I am unable to transfer them anywhere since I am waiting on the {$400.00} bonus to be applied. If I close before it is applies, I lose the bonus. I do not trust Citi with my funds because they have allowed fraud on my account, and they are not true to their word in providing a account opening bonus. 

In order to resolve this problem. I will need the bonus credited immediately and my checking and savings accounts closed with a check sent to me with the remaining account funds INCLUDING THE BONUS.
Complaint sub-issue: Debt was result of identity theft

I was called at work by Crestwood management at XXXX. They threatened legal action for a pay day loan received in 2014, over 7 years ago and past the statute of limitations. When I refused to pay they stated " See you in court '' and very rudely told me to hang up. When I informed them that I was going to file a consumer complaint the person on the other end asked me, " are you having fun yet? ", laughed and hung up the phone.
Complaint sub-issue: Account status incorrect

When I filed for bankruptcy, my lawyer included my car loan in the bankruptcy against my directions. The loan was paid in full. I have the title and the letter from the bank that states these facts. I have filed a dispute with XXXX and they still have not changed the info on my credit report. This is very, very unfair. I paid the loan off either on time or maybe 1 month late. I am not sure. Please Help!
Complaint sub-issue: Information belongs to someone else

Regarding CITI bank credit account in my name, I got a court order to prove the debt does no matter to me. I did forward the court order to CITI BANK by email on XX/XX/2021. I requested Citi bank remove adverse records from my credit history. 
Citi bank stated resolved in 15 calendar days. However, afterwards, Citi bank has been silent till now.

Citi Reference Number : XXXX
Complaint sub-issue: Information belongs to someone else

I have some fraudulent/inaccurate accounts appearing on my credit file and I need them removed immediately
Complaint sub-issue: Problem with personal statement of dispute

I entered into a predatory loan in XX/XX/2018. I walked into XXXX XXXX XXXX looking to purchase a vehicle. The salesman by the name of XXXX assured me he would assist me throughout the process. From the beginning of the process until the end my father and I was forced into an agreement without the proper information. The agreement was not explained in its entirety and everything the salesman told us was completely different from the contract. We expressed the concern to XXXX XXXX XXXX the very next day. They forced us out of the office and aggressively stated the right to rescind was not allowed. We had no knowledge of the federal law at the time. There were a multitude of malicious things that happened during our experience. My father was listed as the primary holder and me as the co-signer. We were never informed that during the process nor did we see that in the contract. The contract that was provided to us and the one received from XXXX XXXX was completely different. We were taking advantage of as consumers. XXXX XXXX are contracted with a company that is doing bad business. As a consumer entering into a uniformed agreement. XXXX XXXX had charged the account off without considering the violations that has taken place by the XXXX XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I am a victim of identity theft. I have requested to the bureaus on numerous occasions to remove these items from my credit reports. I am demanding to see a signature or contract for these items. If neither can be produced then I want these fraudulent items removed immediately.
Complaint sub-issue: Account status incorrect

I applied for a loan but never took the money. I closed the account the same day i applied. 
The company has listed the account ( about 2 years later ) as delinquent on my credit report. 
I have already disputed the account with CFPB once and they acknowledged the mistake. 
Since then the account was added again to my credit report as open with a delinquent balance. 
Previous compaint number with CFPB XXXX
Complaint sub-issue: Card opened as result of identity theft or fraud

I received a fraud alert from my credit monitoring services-XXXX XXXX and XXXX with concern that an account was opened in my name for XXXX 's Citibank with a {$500.00} limit on XX/XX/22. As of today, there is no balance being reported on the account. 
On XX/XX/22 I filed a fraud alert with the XXXX credit bureaus and contacted the company.
Complaint sub-issue: Public record

I paid my Tax Lien that was filed by the state of California and the lien has been released for several years now. I contacted the state office and asked them how to remove the lien of my credit but they keep referring me to the XXXX credit bureaus. I ha e filed a disput with all XXXX credit reporting agencies several time but they will not remove the released lien. The credit agencies keep telling I have to contact the state. I feel like I 'm going in circles and can not find a solution. 

Please helpThank you, XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

I checked equifax site for security breach and it stated that identity might have been impacted. I checked the site today X/X/2017.
Complaint sub-issue: Account information incorrect

Equifax has XXXX XXXX listed on my credit report when I have submitted documentation that shows it should no longer be reporting on my credit report. 

XXXX XXXX and XXXX have removed XXXX XXXX - EQUIFAX has not!
Complaint sub-issue: Problem with personal statement of dispute

Agreement was made to remove from credit report when final negotiations of payment which both parties were satisfied. Using almost scare tactics to cause me to settle or lawsuit would be brought against me. Settled with the agreement on amount and removed from credit report.
Complaint sub-issue: Deposits and withdrawals

AGAIN -!! 
These CROOKS are not even BOTHERING to read my posts here, let alone look at the attachements - CFPB is gutless and useless - I have not posted this to several other Government watchdog sites, that have BITE. 

I have sent in MY DOCUMENTATION - Here is your Lame excuse for a response : " XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Discover Bank XXXX XXXX account ending in XXXX Consumer Financial Protection Bureau Case # : XXXX and XXXX - - After an additional review of all information previously provided and your recent correspondence, our position remains unchanged as no new information has been provided. Please note, that we also indicated to you previously that without the presentation of new information that has yet to be considered, we may not respond to future correspondence regarding this matter. As you did not provide any new information within the email correspondence previously sent to the Executive Offices of Discover Bank, as indicated within our prior response to you, we did not respond regarding this matter. Please note that the documentation you continue to provide is not sufficient for our identity verification process. We need documentation to validate your social security number, such as a copy of the front of your social security card. Also, please provide us with a new copy of the back of your drivers license. '' ARE YOU KIDDING ME... I HAVE SUBMITTED MY XXXX WITH EVERY COMPLAINT HERE ... MY SOCIAL SECURITY CARD IS BEING SENT - WHICH IS WHY I HAVE SENT MY TAX RETURN - THAT IS XXXXL - PLUS THE XXXX XXXX PAGE SHOWS THAT I WAS TO HAVE RECEIVED THAT AMOUNT FROM IRS FOR REFUND - SO THERE IS NO EXCUSE!!! IF AND ONLY IF, I SENT YOU MY CARD - I WILL BE REDACTING ALL BUT THE LAST 4 DIGITS ... I DON'T TRUST YOU. 

AS FOR NOT RESPONDING TO YOUR EMAILS - WHAT IS WRONG WITH YOU? I HAVE/HAD BEEN SENDING NUMEROUS EMAILS - NEVER GOT A RESPONSE!!! WHAT IS YOUR EXCUSE FOR THE COPIES THAT I HAVE ATTACHED HERE??? YOU KNOW YOU ARE GETTING THEM - YOU KNOW YOU HAVE GOTTEN MORE THAN ENOUGH DOCUMENTATION TO RELEASE MY ACCOUNT ... YOU ARE IN THE WRONG AND IT HAS BEEN OVER 7 MONTHS! 

I AM DONE PLAYING GAMES - THIS AND ALL THE OTHER CORRESPONDANCE BETWEEN US HERE AND ALL OTHER MEANS, HAS BEEN FORWARDED, AND YOU WILL BE HELD FULLY LIABLE. 

HOW DARE YOU ... YOU ARE LYING, MISDIRECTING, EMBEZZLING AND CONTINUE TO " MISAPPROPRIATE '' MY FUNDS - NOT YOURS ...!
Complaint sub-issue: Trouble with how payments are being handled

Payments are not being added to my account in a timely manner. Also, checks are being shown as being deposited via the bank but not on the account. This has been going on for 6 months.
Complaint sub-issue: Problem with statement of dispute

I am a victim of identity theft. Apparently on XXXX XXXX, XXXX an account was opened in my name with XXXX on the XXXX XXXX of FL where we have never lived ( as per XXXX XXXX, of XXXX., the collection agency XXXX ). I filed a notarized " Identity Theft Victim 's Complaint and Affidavit '' on XXXX/XXXX/XXXX and took it to the XXXX XXXX Police where it was filed by Officer XXXX XXXX with case # XXXX and received a confirmation letter back from XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX ( XXXX phone number XXXX ). Both XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX ) have deleted this false information. My complaint is with Equifax. It is impossible to contact them without a confirmation number that they never supplied ( only a file number XXXX, XXXX XXXX, XXXX XXXX which they wo n't accept. Their online email dispute resolution form, which does not require the confirmation number, is driving me nuts. I 've filled it out three times with all the requested information but when I press Send I get the frustrating and disgusting message back " server Equifax.ai.com '' can not be found. Please help and report how this XXXX agency is absolutely miserable. They should have their license revoked!
Complaint sub-issue: Reporting company used your report improperly

I recently received a copy of my ( XXXX, XXXX, Equifax ) credit report, and noticed some late payments posted on my credit report : XXXXXXXX XXXX XXXX- ACCOUNT NUMBER : XXXX Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

All three of the credit bureaus are in clear violation of the law. Under 15 U.S.C Code 1681b - Permissible purposes of consumer reports, THE LAW CLEARLY STATES : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : Exclusions.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as agreed, never late ) and supply a corrected credit profile to any creditors who have requested a copy of my report in the last six month, this agency is in violation of 15 USC 1681. 

Failure to respond satisfactorily with deletion of the above reference account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance [ 15 U.S.C 1681n ]
Complaint sub-issue: Reporting company used your report improperly

Credit ran by multiple financial services without my permission. XXXX XXXX XXXX; XXXX XXXX XXXX ; XXXX Bank XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXXl ; XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Unlawful activity was reported on my credit report cause me to not have credit incorrect information was reported an Equifax by XXXX XXXX an XXXX XXXX XXXX debt from me that I have no knowledge sents XXXX never have no knowledge about any account Equifax allow them report this on my credit report I requested that XXXX XXXXXXXX an XXXX XXXX should be removed from my credit report due to cause me to suffer from bad credit they should be removed off my credit report XXXX not who reported this incorrect information reported me deceased illegally state someone reported me deceased I should half to go through this data breach I was exposed never received my settlement check from Equifax lease remove them off my report
Complaint sub-issue: Information belongs to someone else

ftc The Fair Debt Collection Practices Act ( FDCPA ) is the main federal law that governs debt collection practices. The FDCPA prohibits debt collection companies from using abusive, unfair or deceptive practices to collect debts from you The bureau found XXXX XXXX violated the Consumer Financial Protection Act in the way it administered a mandatory insurance program related to its auto loans. The bureau also found that the bank violated the CFPA in how it charged certain borrowers for mortgage interest rate-lock extensions. 

XXXX XXXX XXXX XXXX '' XXXX XXXX XXXX
Complaint sub-issue: Deposits and withdrawals

Today XX/XX/19 @ XXXX CST Im at the ATM on XXXX XXXX XXXX XXXX XXXX MO XXXX to deposit my rent money thats due XX/XX/19 I insert my card, enter my pin select deposit, then insert my cash sum of {$780.00} into the atm. 

The atm shuts down after the window closed where you insert cash. & now there is nothing deposited into my account. The money did not come back to me. IM FURIOUS! 

2 PNC employees where there as a witness but couldnt really assist because the bank was closed and they were leaving work. They instructed me to call the number for PNC & escalate clAim PNC TOLD ME IT WOULD BE 10 days for an investigation and I have NO MONEY TO PAY RENT!!! 

Denominations deposited as follows : 4 XXXX dollar bills 2 XXXX dollar bills 1 XXXX dollar bill 27 XXXX dollar bills
Complaint sub-issue: Account information incorrect

The current balance on my student loans is reporting incorrectly as well as the Debt-to-Credit ratio is currently reported inaccurately. I wrote a letter to the Department of Education and XXXX XXXX, my loan servicer to update the record but it has not happened.
Complaint sub-issue: Didn't receive terms that were advertised

On XX/XX/2022, I opened a checking account online using my friend 's referral link, at Albert, a financial technology company, its Banking services is provided by XXXX Bank, Member FDIC. There're 2 issues with the referral program and I think it's because their customer onboarding system can not properly track customer 's account opening activity. Issues are as below : 1. I opened this account due to Albert 's referral program offering a referral bonus of {$150.00} to both parties. The person signing up for an account needs to complete the following requirements : Direct Deposit $ XXXX every 30 days for 90 consecutive days ; Spend $ 100+ on goods or services with the debit card every 30 days for 90 consecutive days. 
From XXXX to XXXX, I set up my employer 's payroll to Albert with $ 200+ and spent at least {$100.00} each month. However when I reached out the the customer support, they stated that I did not signed up using a referral link. However, I can find from my XXXX XXXX browser history that I actually did use a referral link. 

2. In addition, I referred 3 of my friends to join Albert, and only 2 of them were successfully confirmed by Albert that they are eligible for the referral program. Again, Albert 's customer support stated that the third person did not use my referral link. However, I sent my referral link to my friend and he used the link to join.

After several times ' communication with Albert 's customer support, they refused to confirming the eligibilities of the account opening bonus for my friend and myself.
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX XXXX  XXXX Date Opened XX/XX/2015 Balance {$440.00}.
Complaint sub-issue: Debt is not yours

I have contacted this company about this account that they are reporting and trying to collect. I have never had service with XXXX XXXX XXXX and I have stated that to the debt collection company, and they continue to respond with XXXX XXXX XXXX information. I have also contacted XXXX XXXX XXXX and they can not find such account
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a request for method of verification after incorrect information came back verified. I requested an answer within the 15 days as provided me by FCRA 611 ( a ) ( 7 ) to get a description of methods used to investigate my previously mentioned disputes, particularly a bankruptcy appearing on my report that I have verified with the court was not filed by me and was never verified by an outside CRA. Additionally, there were 2 credit collections that were " pay for deletion '' and still came back verified through XXXX.

I would like these items removed from my credit files, as I am trying to refinance my mortgage and they are providing and incorrect negative appearance on my reports.
Complaint sub-issue: Information belongs to someone else

This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX Date opened XX/XX/XXXX Balance {$210000.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$5200.00}, and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Date opened XXXX XXXX, XXXX Balance : {$500.00}. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft.
Complaint sub-issue: Information belongs to someone else

Equifax is reporting a duplicate acct on my credit file from XXXX XXXX that they have failed to validate..I have previously disputed this info 30 times with no relief in site... I would like equifax to follow the law and valid the acct or remove it.
Complaint sub-issue: Information is incorrect

On my MIB report from the company XXXX XXXX XXXX XXXX report date XXXX XXXX 2017 states that I have a XXXX XXXX. This report is wrong I have never had this medical condition.. Please remove this false statement from my MIB report. 
Thank you MIB Ref # XXXX
Complaint sub-issue: Received bad information about your loan

Report phishing Recently, my email account and personal information were stolen. I am reporting it now, but the amount of damage is too large.