Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Deposits and withdrawals

US bank has opened an account in my name with funds deposited from Unemployment checks. I did not file for Unemployment nor did I request an account to be opened. I have received an ATM card for use in accessing these funds which have been fraudulently requested by unknown persons. Recently, I did see in the news where US Bank had been fined by the Government for opening up fraudulent accounts. Am I part of that or fraud at our state level. To date, I have not received a call, email or text from US Bank, or CFPB,
Complaint sub-issue: Other problem getting your report or credit score

Equifax is denying me the ability to log in to my account in order to control things like freezes and other settings. 

They verified my information with lots of questions about SSN, birthdate, loans, etc. They then told me that I was unable to login to my account because they couldn't verify some information I had entered during the account set up process. I asked what the issue was and they refused to tell me. I offered to provide the information or verify anything they needed, and they refused to do so. They said that they would never, NEVER, let me log in to my account online. 

They said that I would have to make any account changes by phone ( hours long waits ) or fax ( don't have a fax machine ) until the end of time, they would never stop refusing to fix the issue. 

I was told I would never, ever be allowed to use my online equifax account. I was refused any explanation or to speak to someone who could help. They are holding my credit account hostage by not allowing me to control it. 

The individual I spoke with was : XXXX ID : XXXX of the Fraud Dispute and Online Department
Complaint sub-issue: Attempted to collect wrong amount

On XX/XX/XXXX an account from XXXX XXXX was reported to my credit profile. Available data shows the last date this account was reported was on XX/XX/XXXX. According to the State of California, the state I reside in, the statue of limitations for reporting of this type of account has passed. Today is XX/XX/XXXX and is past the date the law allows this to be reported.
Complaint sub-issue: Talked to a third-party about your debt

I referred several people to this company prior to my loan defaulting. On XX/XX/2021 one of the individuals that i referred to the company applied for a loan. This individual is not a relative of mines, however is residing in my home temporary. The gentleman sent me a text message while he was at work indicating the following " They turned me down because you already had a loan with them and its in collections ''.

This individual SHOULD NOT be privy to my personal information!!! This individual do not know anything about my personal finances and should not have been informed by this company. This is illegal. I am not married, he is not my husband and I did not give this company permission to discuss my debt with ANYONE. I am going to file a lawsuit. I am embarrassed by their actions and feel violated and judged.

Additionally, why deny a person who have no connections to me legally because of a debt they don't have anything to do with. Isn't this illegal too.

I also recorded the conversation when i called and informed the employee that i was recording the call.
Complaint sub-issue: Public record

I attached a file ( bankruptcy ) and the ADDRESS on the file DOES N'T MATCH with my address. They have to remove it. I have never lived at that address.
Complaint sub-issue: Public record information inaccurate

I have written letters to ALL 3 bureaus to REMOVE this Bankruptcy on my credit report, they do not respond. 

I have NEVER FILED any bankruptcy EVER!!!!!!!!!!!
Complaint sub-issue: Information belongs to someone else

I have asked for an investigation into the matter previously. It was not corrected. I have filed a complaint with the FTC. Please remove immediately
Complaint sub-issue: Received bad information about your loan

Today on XX/XX/2018 Ive received a text saying my loan forgiveness is expired I was confused so I called the number in the text thinking its my loan lender. I was greeted and informed from a third party loan service debt reliving company that was supposely associated or named XXXX XXXX XXXX. They convinced me to sign ( e-sign ) documents stating they can relieve my debt for loans and forgive them after months of upcoming payments to them. I was spectical about the the information that was given after signing there documents and called fasfa and my loan lender Mohela. My loan lender then told me and a representative from fasfa that the company is stating false information and Im being taking advantage of, I was then suggested to change and update all my passwords for banking and fasfa due to me giving th

em my personal information already. Im contacting you'll because I am being scammed by this company that have all my personal information such as banking, and social security and Im very frightened about identity theft happening to me and loss of unauthorized money in my name . May you please help. Thank You,
Complaint sub-issue: Banking errors

As part of opening two bank accounts with Citi bank, I was promised a cash bonus as part of a promotional offer. I have met all the requirements for the cash bonus. I have contacted Citi bank several times and they keep changing their tune as to when the bonus will pay out. They acknowledge I have met the bonus requirement. They have changed the date of pay-out several times. The payment is months late. Many others report getting the same run-around from this bank.
Complaint sub-issue: Debt was paid

I have tried to resolve this matter with the original creditor XXXX XXXX XXXX XXXX and AR Resources who is collecting on behalf of the creditor at the time of service I had 2 health care insurances and the hospital did not bill correctly. Upon receiving the bill in the mail I called to provided XXXX XXXX  with copies of my insurance cards they refused to bill insurance due to being a car accident.I was hung up on talk to condescending but the representatives and flat out lied to saying that it will be taking care of and I would not receive any more calls. After several unsuccessful attempts to have issue resolved. I than had my lawyer contact them requesting all bills to be sent directly to him. ( I have copies of the letter from my attorney XXXX XXXX dated XXXX/XXXX/XXXX ) They have ignored his request as well. The account was than referred to AR Resources I was contacted by them an explained the situation the agent refused to bill my insurance and states that the time frame has passed and I would have to pay the money myself. I than called my insurance company who states that there was no time frame for the bill that XXXX XXXX did not send an itemized billing statement so that they may pay they requested that they send one and the bill will be paid. AR Resources on half of XXXX XXXX has refused to resolve this matter
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Thank you for your prompt assistance in this matter. 

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

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

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 a account without my written instructions
Complaint sub-issue: Card was charged for something you did not purchase with the card

Recieved an alert from citi for fraud on card XXXX. Spoke to agent provided amounts that were fraudulent. Fraud amounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX subtotal of {$690.00} Followed up w citi on XXXX at XXXX agents name was XXXX XXXX from the security team. 

issue # 1 - Provessional credit was not provided for the XXXX as per Reg E Unauthorized Transfers regulatory obligation. Although it appears that they are following the 45 day investigation service level agreement under reg e. 

issue # 2 - Agent proceeded to tell me that I was not required to pay the subtotal amount however, that was never communicated to me on XX/XX/XXXX when i reported the fraud. 

I believe citi is not following reg e correctly. They should have issued me the provisional credit while they conducted their investigation especially given that the fraud was correctly identified by the bank 's platform and subsquently alerted me to the concern.
Complaint sub-issue: Old information reappears or never goes away

My credit dropped tremendously so I pulled up a credit report. It shows that RC Willey is still an open account. Under account status and payment status itsays current. For status update it says XX/XX/2019. It shows that I have a credit limit of XXXX and used {$930.00}. I called RC Willey in XXXX XXXX, and I was told that the account was closed however, under payment status, on my other accounts it says debt included in or discharge through bankruptcy chapter XXXX, XXXX, or XXXX which it should say that too. I called my attorney and confirmed that we did put RC Willey in the bankruptcy.
Complaint sub-issue: Debt was result of identity theft

I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
Complaint sub-issue: Information belongs to someone else

I have been submitting multiple with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Credit Bureau ' send. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : 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 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
Complaint sub-issue: Information belongs to someone else

There are many many accounts on my credit report that are not mine I have not applied for these nor signed or used any of these I am not even finding any cards like these with me I have opened an FTC for these I have Mailed out letters since XX/XX/XXXX and nothing is being done I am getting frustrated and I need help to clean this off my credit ASAP!!! 
XXXX  - Acct # XXXX Opened XX/XX/XXXX Amt {$4800.00} XXXX XXXX XXXX - Acct # XXXX Opened XX/XX/XXXX Amt {$14000.00} XXXX XXXX  BANK USA N - Acct # XXXX Opened XX/XX/XXXX Amt {$4800.00} XXXX CARD - Acct # XXXX Opened XX/XX/XXXX XXXX {$6700.00} XXXX BANK USA -Acct # XXXX OPened XX/XX/XXXX XXXX {$340.00} XXXX  - Acct # XXXX Opened XX/XX/XXXX Amt {$0.00} XXXX - Acct # XXXX Opened XX/XX/XXXX Amt {$2300.00} XXXX XXXX XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Amt {$2500.00} XXXX XXXX XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Amt {$1100.00} XXXX XXXX XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Amt {$2000.00} XXXX XXXX XXXX  XXXX Acct # XXXX Opened XX/XX/XXXX Amt {$3400.00} XXXX XXXX XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Amt {$3000.00}
Complaint sub-issue: Frequent or repeated calls

frequent call culminating with calls to my girlfriend and leaving messages at her number...
Complaint sub-issue: Didn't receive enough information to verify debt

XX/XX/XXXX I called Citibank North America ( CBNA ) to request a validation notification. I spoke with an CBNA employee & she informed me they can not send me any letters/notices about my debt account due to it being in the archives & closed. 

XX/XX/XXXX I called Citibank North America to speak with someone else about my debt. The CBNA employee said my account is in the archives & they do not have access to it therefore they can not send me a letter on my account debt. The CBNA employee also informed me my account is in the archives & closed at this time. 

XX/XX/XXXX I called Citibank North America for a second time this day. I request to speak to someone higher up. They denied my request. I asked to get a letter on my debt so can get it paid & off my credit report. The CBNA employee said my account is in archives & closed. They can not send me any kind of paperwork and any payment i make is voluntary. I asked the employee how do i get it off my credit because it is keeping me from getting a mortgage. The CBNA employee said i have to send a check but they can not send me any paperwork because my account is from XX/XX/XXXX and closed in the archives.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. It has been 30 days and I havent received a response. I feel like Im am being taken advantage of and being ignored. Section 611 ( a ) it states that a failure to investigate those items within 30 days is a automatic deletion from my credit report it has been 51 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. Also my information was impacted by the equifax data breach and may have got into the hands of the wrong individual.
Complaint sub-issue: Account information incorrect

The car was auctioned for {$8900.00} we Only owed XXXX  dollars The finance company is lying about the amount they received in the amounts that we
Complaint sub-issue: Reporting company used your report improperly

An accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 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 a account without my written instructions
Complaint sub-issue: Their investigation did not fix an error on your report

I have a loan with XXXX XXXX, ACIMA CREDIT FKA SIMPL, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, ACIMA CREDIT FKA SIMPL, and XXXX XXXX with no successful resolution. There was definitely an error on their part.
Complaint sub-issue: Problem using a debit or ATM card

On XX/XX/2021 I deposited XXXX in my account using PNC ATM booth. When I got the printed receipts which I saw my balance is lower than my expectation. At once I log in my account in saw many unauthorized charge in my account ; in the name of XXXX XXXX and international fees. I called the Bank and complained and requested to stop any such payments. I have XXXX credit card bills. I deposited money to pay my credit card bill. On XX/XX/2021 I paid XXXX for credit card bill. PNC bank paid my bill. Next day I saw PNC bank make overdraft {$8900.00} and paid again those unauthorized payments though I requested to stop such payment. When I complained about overdraft PNC Bank reversed my credit card bill payment and adjusted overdraft. I tried to talk with with PNC Manager level but no one is available. I met with local branch Manager who also filled a complain. I got the letter from the PNC bank explained that all the charges are correct though I do not have any idea about those charges. I believe PNC bank failed to protect the customer interest. I am a small depositor. How PNC made overdraft in my account? I am very very frustrated with PNC and do not know what to do.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/21 i sent a letter regarding inaccurate and unknown things on my credit report. to this day over 45 days later i have not received a response yet. I fell like i am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 45 days gives a reason to immediately remove those items from my report it has been well over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will fill litigation due to stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Problem accessing account

https : XXXX USBANK states mobile deposits are available. but usbank states the features are unavailable.
Complaint sub-issue: Reporting company used your report improperly

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

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 a account without my written instructions.
Complaint sub-issue: Didn't receive enough information to verify debt

I have filed a complaint previously, this company has yet to send me any documents regarding this collection so I can dispute it properly. It has been months now and I would like them to remove this debt from my report as it is not mine.
Complaint sub-issue: Was not notified of investigation status or results

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT ED Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Can't decrease my monthly payments

I am XXXX and receiving XXXX benefits and can not repay my private loans. I 've asked for forgiveness and even options of changing my payment plan but the lender refuses to work with me.
Complaint sub-issue: Personal information incorrect

I have several inaccurate addresses on my credit report. I have never received any documentation on several accounts that are listed wrong on a unverified Bankruptcy. I contacted the U.S. BANKRUPTCY COURT and I was told they didnt furnish that information about a bankruptcy. Who furnished the information on the case? 
My current and only address is XXXX XXXX XXXX XXXX, OH XXXX. 
My Employer XXXX XXXX XXXX XXXX  The follwing addresses are not mine please delete : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following number are not mine please delete ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Complaint sub-issue: Information belongs to someone else

After several months of disputes with the Equifax here appears to be a deliberate refusal on their behalf in removal of identity theft related accounts that have been reporting on my credit file. These accounts were not opened or established by myself. I have sent in several pieces of supporting documentation but yet Equifax continues to report these accounts on my credit report. I've never owned any credit cards with XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, or XXXX XXXX XXXX. I've reached out to the creditors and was informed to contact each consumer reporting agencies for a dispute. I also sent in and identity theft affidavit from the Federal Trade Commission report # XXXX which included the accounts listed above. I am aware anyone or individual with my personal information such as name, address, and social would be able to easily impersonate myself and open accounts under my name given the automated verification or e-oscar data furnisher system only verifies such personal information and nothing physical is ever obtained. I have been denied credit and this has caused a significant hardship financially and Equifax should be held accountable.
Complaint sub-issue: Investigation took more than 30 days

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Complaint sub-issue: Old information reappears or never goes away

I disputed XXXX XXXX XXXX back on XX/XX/XXXX stating that this is fraudulent information. Equifax created this dispute in their system as confirmation number XXXX. The Consumer Financial case number was XXXX, I asked that this information is deleted & blocked from my credit report, which they did. The results of this complaint are as follows Thank you for submitting your complaint on XX/XX/XXXX, through the CFPB Complaint Portal. We have reviewed the information you have supplied through the CFPB portal and directly to Equifax. In your complaint, you indicated there were items appearing on your credit report inaccurately reporting. The Results of Our Reinvestigation : Account # XXXX The results are : This item has been deleted from the credit file. If you have additional questions about this item please contact : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX. The Results of the Reinvestigation were mailed to you on XX/XX/XXXX, please allow 7/10 business days for delivery. If you should have any additional questions or concerns in regards to your Equifax Credit Report, please visit us at https : //www.ai.equifax.com/CreditInvestigation/home.action, by mail to XXXX XXXX XXXX, XXXX GA XXXX or by calling a Customer Representative at ( XXXX ) XXXX from XXXX XXXX. to XXXX XXXX. Monday Friday in your time zone. 
Now on XX/XX/XXXX, this account has been added back to my credit report.
Complaint sub-issue: Debt was paid

Dept was paid and I still got lot of arrasment calls every time sold it to third parties and wrongfully reported issues with my credit report to downgrade my scores on my credit report.
Complaint sub-issue: Information belongs to someone else

I have disputed these accounts and Equifax refuse to remove them. I have submitted the required documents several times. XXXX and XXXX have removed these accounts months ago. 
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