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

On XX/XX/XXXX, made a large cash deposit at a US Bank ATM. I have a checking account with this bank, and the deposit was made at an outside US Bank ATM, meaning the ATM was not located inside the branch, but outside at a drive-up ATM. 

Cash deposit should have totaled {$5800.00}. Due the number of bills, the ATM would only accept 50 bills at at time, so it would close the transaction after it accepted 50 bills. A number of bills were new/crisp {$100.00} bills that easily stuck together. The ATM deposit was made with 3 separate transactions/ATM receipts. The receipts show the denomination and quantity of bills deposited. First deposit was $ XXXX XXXX {$100.00} bills. The second deposit was $ XXXX XXXX {$20.00}, XXXX {$10.00}, XXXX {$5.00}, XXXX {$1.00}. The last deposit was $ XXXX XXXX {$20.00} XXXX {$1.00}. I noticed there were no {$50.00} bills listed, although there was a {$50.00} deposited. The total for all receipts is {$5300.00}. That is {$500.00} less than deposited. 

Called the US Bank branch where the deposit was made, and was told the ATM was outside, so disputes need to be called in to US Bank at XXXX. 

Called US Bank on XX/XX/XXXX to dispute the transaction, and was told a case would be opened. Reference # XXXX. The case would take up to 10 days to resolve. On XX/XX/XXXX, I received a letter from US bank denying my claim in the amount of {$5500.00}. Since this was incorrect, and I was disputing {$500.00}, not {$5500.00}, I called on US bank on XX/XX/XXXX requesting the case be reopened. This did not occur. I called again on XX/XX/XXXX requesting an update, and was told a new case would be opened. Reference # XXXX. I received a letter from US Bank on XX/XX/XXXX denying this claim. The letter states that research had determined no errors occurred, but I could request copies of the documentation used in the investigation. I have tried numerous times to request this documentation, but have been transferred from department to department. Every call lasts XXXX minutes, with holds or transfers, but not one US Bank rep knows how to process my request for documentation or can escalate my request. I am in an endless loop of calls with no resolution or explanation. I have requested the assistance of supervisors, and not one has ever been available. I have been assured numerous times a supervisor would follow up, but that has not happened. 

I have the dates and names of every US Bank rep I have spoken with. I have both letters of denial, and the ATM receipts from the deposit. 

XX/XX/XXXX US Bank Rep. XXXX XXXX US Bank Rep. XXXX, Supervisor that didn't call XXXX XXXX US Bank Rep. XXXX XX/XX/XXXX US Bank Rep. XXXX, Supervisor that didn't call XXXX XX/XX/XXXX US Bank Rep. XXXX, Supervisor that didn't call XXXX XXXX XX/XX/XXXX US Bank Rep. XXXX, Supervisor that didn't call XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX 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 three 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: Information belongs to someone else

Im submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items 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 the alleged identity theft. 
These following items listed below are unknown to me. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ( Original Creditor : XXXX  ) XXXX Balance : {$610.00} XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$200.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$18000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$410.00} XXXX  XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  ) XXXX Balance : {$250.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$300.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I am so confused right now why Equifax report the accounts as transferred accounts but its current, all payment history were all OK. They wont even give me an explanation as to why they say its verified when its incorrect..CFPB, clear this all up and report them correctly. XXXX, XXXX XXXX, XXXX XXXX,
Complaint sub-issue: Problem getting report or credit score

Equifax sent a letter saying my ID didnt match their records. Yet I sent all the required ID copies! So they did not respond to my requests!
Complaint sub-issue: Information belongs to someone else

Equifax is ignoring my requests to investigate, verify and remove accounts from my credit report that do not belong to me.
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I talked to XXXX about the XXXX XXXX reporting that they removed the bankruptcy from my record. XXXX  admitted that XXXX XXXX removed it from their file, but they did not explain why they removed it. XXXX  then lied and said that they sent XXXX XXXX to the Bankruptcy Court to verify. XXXX XXXX did not go verify as claimed by XXXX. Yet, XXXX, Equifax and XXXX  still is displaying a bankruptcy. 

In addition, my file is locked with XXXX XXXX and they lawfully can not report anything about me. XXXX  has retaliated and started removing aged good credit history from my report. XXXX XXXX said that XXXX  disputed their entries that onto my credit report as fraud and asked them to remove from my credit report. This action led XXXX XXXX to remove all of my credit history. 

The three credit bureaus are now engaged in racketeering type of activity to keep scores down so that they can gain more money from subprime lenders. They are further being less than honest about companies verifying inaccurate information. 

I would like Consumer Finance to Do its job and regulate these out of control agencies. All three are further preventing new creditors from reporting credit lines during the pandemic so they can further keep scores down so they can profit from sub prime lenders and consumers seeking relied during covid. 
I also disputed some bogus address on equifax that says I lived in Minnesota and they verified it as accurate. I have never been to Minnesota in my life. 

This is exactly how I know that these companies are fixing files to meet their own monetary goals. All 3 companies refuse to investigate inquiries.
Complaint sub-issue: Information belongs to someone else

I like to file a dispute for an unidentified item on my credit report for the following : XXXX XXXX for {$65.00}. I have filed an Identity Theft Report with the FTC. The report number XXXX and I have attached a copy of the ID Theft Report with this complaint. I have reached out to this company to no avail requesting information about this account and they can not give me anything. Please review and remove this fraudulent item from my credit report immediately please.
Complaint sub-issue: Frequent or repeated calls

on XX/XX/XXXX They contacted me 3 times and on the third time I asked them to not call me repeatedly while I was working. The individual told me that they had no control over the calls and that it was automated and they can only leave me a message on the 3rd time they call. I have asked multiple times they call me after XXXX and still they call me any time between XXXX and XXXX multiple times a day.
Complaint sub-issue: Problem getting your free annual credit report

I am writing all three credit reporting agencies directly, without any third-party representation. My email address and telephone numbers are accurate in case any agency such as XXXX, Equifax and XXXX XXXX desire to document my credibility. Accordingly, I am writing to state that I have tried on at least two occasions over the past few months to obtain a copy of my credit report from each respective credit reporting agencies. Please comply with my wishes and mail to me my one free annual copy of each credit report. Thank you for your assistance in this matter. 

XXXX XXXX
Complaint sub-issue: Received bad information about my loan

When I enrolled in XXXX XXXX XXXX I was promised job security and placement upon XXXX and I was told that whatever federal loans did not cover towards my tuition I would be provided grants to pay for the rest. I found out later that I had a loan from genesis lending. I have no job to repay this loan and on top of that I told them when I signed up that I was an XXXX and they assured me that would not affect my ability to get a job but I have since found out that I can not get these jobs because I have felonies. I never signed or agreed for a genesis loan and the worst part is while I was in school I thought I was paying my federal loan when really it was a loan from genesis which is not a federal loan like I was told but a private loan at a very high interest rate. XXXX college closed and now wyotech will no help me since no longer associated with XXXX colleges. I can no long get my transcripts either.
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXXXXXX, Account XXXX XXXX has violated my rights. 

XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX  XXXX, Account # XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Problem with personal statement of dispute

CarMax Auto Finance falsely reported that consumers owes them money. consequently, prevent consumers from obtaining other loans that violate consumers Civil and Constitutional rights ( life, liberty, and property ) life, liberty and the pursuit of happiness.
Complaint sub-issue: Information belongs to someone else

This account is not mine and was established fraudulently. This information was provided to the original creditor. A police report was filed, and this matter was previously disputed. The account was previously removed, however for some reason, they keep reporting this inaccurately to the credit bureaus.
Complaint sub-issue: Information belongs to someone else

I, XXXX XXXX, also did not give your credit reporting agency written instructions to include this fraudulent information in my consumer report. Which is in violation of 15 USC 1681b- ( a ) ( 2 ) ... .... deleted the account due to the inability to verify that the information on the account is mine and accurate, yet this account is still reporting to my credit report from your company. As stated in my last letter I am a victim of identity theft, and this was reported to the Federal Trade Commission. It is to my understanding that the creditors are required to report the same information to all three credit bureaus as written under the FCRA. As a consumer I request that you provide in FULL DETAIL the procedure that was used to investigate these fraudulent accounts. If you can not do so please block and remove this account from my credit report as soon as possible.
Complaint sub-issue: Old information reappears or never goes away

I qualified for a loan forgiveness program in XXXX and my loan was forgiven and deleted from my credit report. In XXXX, I filed my taxes and they were intercepted for and outstanding student loan. This is the same loan that was supposed to be forgiven. I filed and appeal, I tried to contact the company. But I have yet to get a straight answer. There was one rep that said they started a new computer system and the old system that would have record of my loan being dismissed is now obsolete.
Complaint sub-issue: Debt is not yours

On XX/XX/2018 I mailed a letter disputing a debt collection that was inarticulacy file on my behalf upon review of my credit report I notice that I had a derogatory mark file by a company that I did not do business with in the amount of {$830.00} the company name is Eos Cca. I sent them a letter over a month ago and I still haven't got a response back addressing the false information.
Complaint sub-issue: Other problem

A merchant refunded my purchase back to Citi Cards on XX/XX/XXXX in the amount of {$7400.00}. I requested that credit be deposited in my checking account. Citi has verified the sum, does not deny the validity of the credit, yet will NOT transfer this back to me. Numerous requests, status requests, and even closing my account has NOT resulted in an actual transfer to my checking account. They have promised transfer numerous times in 'three days ', in '10 days ', 'tomorrow '. None of their promises have been met, causing me problems.
Complaint sub-issue: Public record information inaccurate

Hello My Name is XXXX XXXX. I have read under the new law effective XXXX XXXX, 2017 any public records data must include name, address social security number and date of birth in order for it to appear in your credit file. The credit bureaus had not updated the information and per new law true bankruptcies listed does not include this information and should be deleted from my credit report. I 'm not sure whats going on but please help. Thank you, XXXX XXXX
Complaint sub-issue: Didn't receive notice of right to dispute

I called XXXX service number on the back of the card on or around XX/XX/2018 and explained that I had been through a hardship and wanted to get my XXXX card back on track I told him that I couldn't make a payment until XX/XX/2018 and will pay the rest of the balance XXXX by the next due date. Thinking everything was fine until I got an alert from the credit bureau that my XXXX card was closed on XX/XX/2018 wow I thought they were working with me I guess not. I called the number on the back of the card on XX/XX/2018 to find out what happened to the agreement. The lady on the stated the call would be recorded that's fine so I told her that I would be recording the call as well and she said that it wasn't ok so we ended the call. I just wanted to record it because of the call on or around XX/XX/XXXX when i made the arrangement to make a payment by XXXX of XXXX. They obviously lied about helping me get back on track. I spoke with an attorney prior to trying to work out things with my credit cards he told me to just file bankruptcy because they are not going to work with me. He was half way right all of my credit card companies and mortgage is working with me except XXXX XXXX cards. After the phone call I get some email from a collection agency. XXXX XXXX   is not interested in helping customers when they have fallen on hard times.
Complaint sub-issue: Information belongs to someone else

XXXX 's client XXXX XXXX was a victim of ID theft. Her information was used to obtain medical treatment and services at a location in Colorado that she never authorized. Several collection accounts were established related to that service. While the majority of those accounts have been disputed with success, BC Services has failed to remove the data from her XXXX  credit reports ( obtained XX/XX/XXXX ) as outlined in the FCRA.The first formal dispute was provided to BC Services XX/XX/XXXX, and again XX/XX/XXXX and again XX/XX/XXXX. Even after submitting this information BC Services still attempted to collect on this debt after the data was provided to dispute this account as fraudulent. Address confirmation information was provided to BC Services to show she did not live at the address of the first established medical account as well as a police report indicating the issue was ID theft related. 
BC Service continued reporting of these accounts is a violation of the FCRA and FDCPA and my clients consumer rights.
Complaint sub-issue: Information belongs to someone else

Hello, There is one fraudulent collections account listed on my credit report. I am an american citizen who takes pride in paying my bills on time. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information.Please remove these negative items from my credit file. 

Please Remove : XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In Accordance with the fair credit reporting act convergent account # XXXX ( XXXX XXXX ), has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Information belongs to someone else

I have been trying to remove fraudulent accounts from my credit report since XX/XX/2019. On XX/XX/XXXX, I mailed a dispute package to Equifax, XXXX  & XXXX asking them to provide me documentation they used to validate the fraudlent accounts that were a result of Identity Theft. All three Credit Bureaus have violated the FCRA, Section 609 a ( 2 ) also FCRA 605 ( b ) therefore, the accounts must be deleted from my credit report within 4 days.
Complaint sub-issue: Public record

I filed for bankruptcy in 2009 and included all of my debts - which included a XXXX credit card. XXXX is now called XXXX. My credit report shows XXXX account as a charge off even though it was discharged in my bankruptcy in 2009. A representative from XXXX told me they could not talk to me in regards to this matter. I would like to resolve this matter as it is impacting my credit negatively and have this debt removed from my credit report.
Complaint sub-issue: Old information reappears or never goes away

I feel there are literally zero standards required from equifax and XXXX, thus making them completely random and arbitrary, to the detriment of the typical consumer. Both claim to use the same standard, VantageScore 3.0, yet there are extreme differences between the two. I paid off a personal loan early, and got a positive increase with XXXX, and a negative drop from equifax. Equifax lags in their updates and theres no good reason or excuse for it. Nobody, Federal or State, seems to be policing these gangsters, and I demand to know why. If there is no standard, then theres a strong case to be made that nobody, lenders and creditors included, can rely on them, and they should be eliminated altogether. Perhaps we should be able to opt out of these half XXXX  services from collecting our information such that we refuse to allow our information to be shared with them, and lenders and creditors can ask for direct references instead, without penalty to the consumer. And too bad of they dont like it. They can either get their act together, or, they can go out of business. We dont need them as much as they need us, and personally, Im tired of is being the victims. DO YOUR XXXX JOB AND GET IT FIXED
Complaint sub-issue: Debt was result of identity theft

I have contacted XXXX XXXX XXXX regarding 2 accounts IN THE AMOUNT OF {$71.00} and IN THE AMOUNT OF {$920.00} on 2 different occasions thru certified mail asking to verify that I owe their company any funds and for what. Ive also ask for anything bearing my signature that verifies I have obligations to pay them or have had any business dealings with them. Yet they have failed to validate according to law. This collection company is damaging my credit file and cant provide legal proof. I have not had any dealing with XXXX XXXX or XXXX XXXX emergency whom they represent. I have not given any companies authorization to share any medical information either. This company is in violation of HIPPA.
Complaint sub-issue: Debt was paid

In XX/XX/XXXX and XX/XX/XXXX, payment was mailed to original creditor and they returned check by mail and in XX/XX/XXXX they informed me to notify collection agency. I then mailed collection agency 3 payments totaling the full amount. Each check included pay to delete contract and memo for pay to delete if checks were cashed. Agency cashed checks and failed to delete with all three credit bureaus. Checks were held and not cashed for weeks.The agency then reported the the debt to all three bureaus which seemed ridiculous, uncaused for, and malicious. Proof of mailed checks, cashed dates, etc. attached.
Complaint sub-issue: Information belongs to someone else

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charges. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.