Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status incorrect

I filed for bankruptcy in XX/XX/XXXX as a result XXXX XXXX charged off my credit card account in XX/XX/XXXX which is understandable. However, XXXX XXXX reported the charge off again in XX/XX/XXXX and most recently on XX/XX/XXXX. My attempts top to request that XXXX XXXX remove the additional charge of dates has been unsuccessful. XXXX XXXX refuses to acknowledge that erred in reporting multiple charge off dates for the same account. 
Note : Each additional time that XXXX XXXX has reported to the credit bureaus that my account was charged off has caused my credit score to plummet. Also, prior to filing bankruptcy, my credit account was never in arrears.
Complaint sub-issue: Information belongs to someone else

There was an apartment listed on my credit in which I have never lived at. I attempted to call the company and they said they never had heard of me either. Please remove them from my credit reports as it's hindering me from getting a place to live.
Complaint sub-issue: Problem with personal statement of dispute

I have directed XXXX to include a statement of dispute on my credit report twice, in writing, but they have refused to do so. They are now saying that there is not enough information to complete my request, but they are clearly just placing roadblocks in my path to prevent me from communicating directly with potential lenders about XXXX 's false claim that I have " insufficient credit history, '' when I have over 30 years of positive credit history. As a XXXX Military Veteran, I am incensed that XXXX is deliberately interfering with my rights under the Fair Credit Reporting Act.
Complaint sub-issue: Trouble using the card to spend money in a store or online

I purchased a Visa gift card from prepaidgiftbalance.com a company of US Bank at XXXX grocery store. When tried to use the card it declined. It was a gift so, I do not know what to do to get my funds. I called the prepaidgiftbalance at XXXX and they said they blocked my card and they are holding my funds. I advised them, we paid cash and they would need to pay me interest for holding my funds. They said I need to provide all of my personal identification through a fax- I advised them I do not have a fax and the info will not match since it is a gift and we are in an emergency and need food. They said they would not release my money. They have 2 of my cards held with over {$100.00} that I need desperately due to coronavirus. I want XXXX to know of how customers are being treated and I would like help in getting my money. I am out of work and can not get food for my family. Please help.
Complaint sub-issue: Account information incorrect

I sent a dispute certified to Equifax on XX/XX/XXXX regarding unauthorized inquiries that were not authorized for employment, insurance, or is it tied to any account. 

XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Frequent or repeated calls

They called me all day and have now tried calling friends and even called an ex boyfriend.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hello, I did not consent to, authorize nor benefit from any of the following inquiries on my credit report. Block and Remove I am also attaching a copy of my FTC report that I filed as well for Identity theft.
Complaint sub-issue: Information belongs to someone else

On XXXX XXXX, 2019, CITIBANK NA., BEST B add a hard inquiriy on my credit report per XXXX  XXXX The report does not include information about the creditor.
Complaint sub-issue: Information belongs to someone else

FCRA violations : inquires not mine XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2300.00} Status Open. 
XXXX XXXX XXXX negative Date opened XX/XX/XXXX XXXX {$280.00} Status Open. 
XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX  XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX
Complaint sub-issue: Personal information incorrect

I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the XXXX . report and other furnished Lexis Nexis regrading all personal information of mine. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. 
the following address need to be removed from my report and file XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OR XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX CT XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OR XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 2. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX there is no XXXX party involved in the filing of this complaint and this complaint has not been made in error.
Complaint sub-issue: Information belongs to someone else

I recently received a copy of my consumers reporting file and noticed that a furnishers was reporting inaccurate information of an account by the name of XXXX XXXX XXXX. I filed all documents to remove this account as it has been the cause of identity theft.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Complaint sub-issue: Information belongs to someone else

A couple months ago someone found my information and tried opening MULTIPLE CREDIT CARD ACCOUNTS. I had followed up with each XXXXne of the companies ( listed below ) and called them to report as fraud and each company said they would report it to the credit bureau and get it OFF my credit report, each company also said it was marked as fraud and had been closed. It has been more than 30 days and they are all still showing up. I have since then put a freeze on each one of the credit bureaus- but I want these off of my credit report so it stops affecting my credit score. 

XX/XX/2022 - XXXX XXXX checked my credit- this was fraudulent. I called them as stated above. Said it would be taken off my credit report within 30 days ( as of now it isn't quite 30 days ) XX/XX/2022 - XXXX XXXX ( XXXX ) checked my credit- this was fraudulent. I called them as stated above. Said it would be taken off my credit report within 30 days, still showing up on my report and I have not received a letter stating anything. 

XX/XX/2022 - XXXX XXXX XXXX checked my credit- this was fraudulent. I called them as stated above. Said it would be taken off my credit report within 30 days, still showing up on my report. 

XX/XX/2022 - XXXX XXXX checked my credit- this was fraudulent. I called them as stated above. Said it would be taken off my report within 30 days, still showing up on my report. 

XX/XX/2022 - XXXX XXXX ( XXXX ) checked my credit- this was fraudulent. I called them as stated above. Said it would be taken off my report within 30 days, still showing up on my report. 

XX/XX/2022 - XXXX XXXX XXXX checked my credit- this was fraudulent. I called them as stated above. Said it would be taken off within 30 days, still showing up on my report. 

XX/XX/2022 - XXXX XXXX XXXX checked my credit- this was fraudulent. I called them as stated above. Said it would be taken off within 30 days, still showing up on my report. 

XX/XX/2022 - XXXX XXXX XXXX  checked my credit- this was fraudulent. I called them as stated above. Said it would be taken off within 30 days, still showing up on my report.
Complaint sub-issue: Don't agree with the fees charged

I am currently enrolled in a XXXX 's program at a school where I received a XXXX 's ( this is important ). I already have an up-to-date student loan that I make auto-payments for each month. I decided to pay for my XXXX 's out of pocket. There was an opportunity to XXXX XXXX next year and my Advisor told me to apply for FAFSA to see if I qualified for a scholarship for that program. I knew I would not qualify for FAFSA, but he told me to fill it out anyway as a step towards the Scholarship application. Next, I logged onto my account online for the school and there was a disbursement of over {$10000.00} for each semester this year. Luckily I did not have my bank account information loaded, so the funds were not deposited into my bank. However, they were showing online for the school as a, " refund '' - an unsubsidized loan. I sent in an email on XXXX declining the loan - per their instructions. 

After some struggling, the school corrected the issue on their website. However, a check was sent to me on XXXX. I shredded it and looked online and found that the loan amount for this semester has been tacked onto my student loan through Great Lakes Borrower. It is showing that I owe this amount, plus interest, and a {$100.00} fee. This is baffling to me, how they have the ability to add this to my bill without any confirmation or agreement. I never asked for this loan. I never signed a paper agreeing to receiving it. I only applied for FAFSA as a step to apply for the Scholarship. 

Per the school 's Financial Aid Office, I signed a Master Promissory Note in XXXX. This means that they do not need to discuss loan disbursement with me for each school year. It is supposed to make things easier on students. However, I graduated in XXXX - this should cause that note to expire. According to XXXX, because I signed this note back then, it is good for 10 years - despite the fact that I already graduated and have started a completely different program. 

I am confused as to how they can do all of this without a signature or approval, and I am afraid that it may be  showing on my credit. I am going through the steps to get the money taken off of my student loan account, but I need to make sure this does not affect my credit. This is not something I asked for. I have lots of emails for correspondence to show that they did it without my permission and that it should have been taken care of. 

This could have been resolved with a simple email asking if I wanted the loan or not. Instead, it was processed. A check was sent to me. It was added onto my current loan along with fees and interest. I 've had to file two complaints for the loan company and now the school. There have been countless emails among the staff and myself. This situation is baffling. Please let me know if you need more information. 

Thank you for your time, XXXX XXXX
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

I had last used my prepaid XXXX card on XX/XX/XXXX and it had a balance of {$640.00}. When I went to use it on XX/XX/XXXX it had under {$10.00} on it. On XX/XX/XXXX I called and reported that fraud had occurred. I was sent dispute paperwork in the mail which I filled out and returned via email. I called and made sure they received my completed dispute forms and was told they did and I would be informed of their decision via letter. I got a letter saying my claims were denied due to " inconsistent conflicting information ''. The letter also states " You have the right to request copies of the documents that we relied on in making our determination ''. I called to request this information and was told I could file an appeal and ask for the documents. I did both via email and a written letter. I called to make sure they had received my appeal and was told they had and I would hear from them in 45-90 days. That time had passed and I heard nothing. I called and was told my appeal was denied and I would get a letter explaining their decision and documentation in 7-10 business days. That was on XX/XX/XXXX and I didn't get anything. I called this morning ( XX/XX/XXXX ) and was told I didn't get anything because there was no documentation to send me. It was my understanding that they are required to show documentation that they did in fact carry out an investigation of my claims and that the disputed transactions were indeed authorized ( which they were not ). During this process I got a letter stating that I needed to get in touch with the fraud department because they needed more information and when I called the number on the letter I would only get the general customer service department who couldn't tell me what more information I need to provide and just told me to further explain my claim which I did via email. I found out today that there is no way to directly speak to the fraud department only to general customer service who can't talk to me about my case only read vague notes on the computer left by the fraud department.
Complaint sub-issue: Can't close your account

Hello there, I complained about my saving account ended by XXXX. I transferred money back to my bank account. I found out that my lock was locked on XX/XX/2021. I complained the quality of service ( QoS ) 1. I chatted online. He told me to call XXXX to unlock it. I called the umber. It was out of office hour. 
2. I chatted online again. He told me to call the same number with option 2, option 1. The CSR asked me to write a letter to Citi without any instruction. It was so weird. She can not sent me an message to XXXX. But she called me to verify it. 
3. I called again. The CSR verified my information by text message with the same phone number. He told me the department is closed and office hours 8-6 but online chat told me it is 24 hours. 
4. I called again next day. He could not send me text message and call me to verify my info. It is ridiculous for the same company, they dont have the same quality to keep the QoS. He told me my account was unlocked. When I tried to transfer again. He told me I had to send my utility bill with fax number XXXX. He tried the XXXX XXXX but the citi used my discontinued phone XXXX, which was not in my profile at least 3 months ago. I dont know why they keep the old number there. I did not fax the documents as required. 
5. After I complained, Citi Executive Response Unit contacted me on XX/XX/2021. She asked some information, but she is not that helpful. She can not make final decision. She called me 3-4 times and sent 12 emails to ask my three different utility bills : Electric bill, Cable bill, and city water bill. To verify my information. However, until today ( XX/XX/2021 ), my saving account is still locked. 

I can understand citi want to keep the account safe to lock it. However, it does not have QoS to unlock it. I spent almost eight hours and 31 days so far without unlocking my account. Please close my account and mail a check back to me by home address or mail address : XXXX XXXX XXXX XXXX XXXX, GA XXXX OR XXXX XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX GA XXXX. 
It is very horrible experience and one company very excited to torture it customers. 

XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company
Complaint sub-issue: Information belongs to someone else

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX XXXX XXXX {$570.00} DEPTEDXXXX  XXXX {$3600.00} XXXX XXXX {$0.00} DEPTEDXXXX XXXX {$5800.00} XXXX   XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX   XXXX {$4900.00} DEPTEDXXXX XXXX {$2800.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} DEPTEDXXXX XXXX {$6000.00} DEPTEDXXXX XXXX {$3500.00} XXXX XXXX {$6000.00} XXXX  XXXX {$3500.00} XXXX   XXXX {$6000.00} XXXX XXXX {$3500.00} XXXX  XXXX {$6000.00} XXXX XXXX {$3500.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Complaint sub-issue: Other problem getting your report or credit score

ON XX/XX/2019 I APPIED FOR THE CHARITY CHARGE CARD BY COMMERCE BANK, THEY PULLED XXXX AND AS A RESULT DENIED ME BECAUSE I HAD NO SCORE SEE ATTACHED.
Complaint sub-issue: Was not notified of investigation status or results

I did not get any response from the credit bureaus regarding these accounts I disputed which is already over 60 days : XXXX Account # : XXXX | XXXX/XXXX  Account # : XXXX | XXXX/XXXX Account # : XXXX | XXXX Account # : XXXX | XXXX Account # : XXXX | XXXX Account # : XXXX | XXXX-XXXX Account # : XXXX | XXXX Account # : XXXX | XXXX XXXX XXXX Account # : XXXX
Complaint sub-issue: Trouble closing card

My son passed away in XXXX of 2021. He had an account with Direct Express for his social security XXXX. Im his mother and submitted all the legal paperwork to receive his balance. They reached out to me in XXXX and gave me a ticket number. Ive called several times and emailed with no resolution. I get a email that says someone will be assigned to me but they never follow through.
Complaint sub-issue: Problem with personal statement of dispute

IN PREVIOUS COMPLAINT REGARDING XXXX XXXX XXXX XXXX ( XXXX ), THEY ALLEGED THAT THE ( XXXX ) DID NOT RECEIVE SUPPORTING DOCUMENTS TO DISPUTE A CLAIM OF AN OUTSTANDING BALANCE OF THE ACCOUNT IN QUESTION. I HAVE ATTACHED MY BANKING STATEMENT FOR THE AMOUNT OF {$490.00} DATED XXXX XXXX,2011. AGAIN, MY PERSONAL BANKING STATEMENTS WILL CONTINUE TO SHOW THE {$490.00} AS WELL AS THE {$7700.00} WHICH REPRESENTED THE PAYOFF OF THE LOAN. ALSO, THE CONFIRMATION FROM MY PERSONAL BANK AS STATED IN THE ( XXXX ) RESPONSE.
Complaint sub-issue: Didn't receive services that were advertised

XX/XX/22 To whom it may concern : I would like someone to know how I was taken advantage of today and seek reimbursement for money taken unknowingly to a theft. 

I received a fraudulent warning email from XXXX saying XXXX XXXX had spent {$470.00} from my account. I responded to the email on the same day it was sent ( XX/XX/22 ) to reassure the company that I had not made any purchases. 

I was given a report # XXXX and told that they would reimburse this money and help me to prevent any future cyber attacks. I believed them and proceeded to allow them to use " XXXX '' app to walk me through the addition of virus identification. They said I had XXXX XXXX XXXX, and XXXX virus. I was glad to have someone help me rid of this on my phone. The representative then added new apps and set up accounts including : XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. These were to prevent further online hacking. 

I became suspicious after my bank simultaneously called and the representative told me to ignore them. Once I disconnected with the XXXX representative, they continued to call back some times texting but the numbers always said " XXXX XXXX. '' My credit union was immediately informed, but they said since I " allowed '' them on my phone, that I was responsible for the theft ( {$500.00} XXXX  cash, and {$120.00} XXXX ) that I immediately know of. Unfortunately, they had " XXXX '' spyware and saw my driver 's license information while setting up " XXXX ''. I can lock my account, but only a photo id ( stolen ) is needed to reopen it. 

Phone numbers used to call me included : XXXX XXXX XXXX XXXX separate e-mails say : XXXX XXXX, I am calling from XXXX support. Please call me back at XXXX XXXX XXXX Police were notified on XX/XX/22 at XXXXXXXX XXXX  and said the money was probably already in a different country and not much they could do but I could file a report if I wanted to. However ; contacting the bank and companies for accounts set up was my best bet. 

Thank you for your help. 

Sincerely, XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I opened this XXXX account many years ago. I paid it off when I moved overseas. While living overseas `I was a victim of identity theft. I made several attempts to contact this company while overseas but to no avail. I even ended up paying most of the outstanding balance which was not my collection.
Complaint sub-issue: Debt was result of identity theft

I'm writing to inform you about XXXX XXXXXXXX XXXX XXXX XXXXXXXX and Equifax, XXXX, and XXXX. XXXX is trying to collect money from me without legal contract with them and other credit bureau can't verify legal contract with my signature on it. 

I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past years I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. 
It has been 30 days from the day I sent them a letter ; I am demanding them to furnish the supporting documents and PROBABLE evidence that I have any obligation to the above mentioned accounts. If they are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice. 


Warm Regards, XXXX : XXXX Without prejudice, all natural inalienable rights reserved.