Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

NOTICE OF BILLING ERROR. NOTICE OF VIOLATION OF PRIVACY. NOTICE OF IDENTITY THEFT. NOTICE OF FRAUD. XXXX XXXX BANK sold consumers non public personal information to EQUIFAX. Pursuant to 15 usc 6802 obligations with respect to disclosures of personal information covers disclosures that needs to be disclosed conspicuously to inform consumer and not force undue influence by way of XXXX XXXX XXXX willful noncompliance to the laws and disregard of consumers privacy rights. unalienable god given rights that the consumer will not waiver. Consumer was never given the proper disclosures required to make the proper decisions based on family personal household needs. Equifax breached its obligations to report fair and accurately on the consumers behalf by not performing its grave responsibility and being willfully negligent in acquiring the proper disclosures necessary to furnish such information. No written consent was giving to XXXX XXXX XXXXXXXX  or EQUIFAX. These violations to the consumer has caused severe emotional and financial damages that has hindered my natural progression and caused a restraint in trade and commerce pursuant to 15 usc 1. Show proof and prove that you have consumers written consent to steal and damage consumers life and take away liberties granted from GOD
Complaint sub-issue: Their investigation did not fix an error on your report

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of account in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX and XXXX XXXX. I believe it was reporting in error. 
XXXX XXXX XXXX XXXX Balance {$2600.00} XXXX XXXX XXXX Balance : {$2600.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

They were trying to take money out of our account. Bank closed us due to the fraud. Now my husband and I get non stop calls and non stop emails Texts. He wired {$500.00} to have us give back, after that he had a picture of the bar codes on receipts and started trying to empty our accounts.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for over a month (!!!! ). I received no email, letter, or phone call and instead had to discover it via social media ( even though they have all of my information ).
Complaint sub-issue: Debt is not yours

I have received phone calls inquiring payment on a debt showing on my credit. I have requested numerous times for clarity on the charges via telephone from the agents contacting me from XXXX. XXXX, XXXX What am I being charged for, what is the original bill? I have not been provided clarity on the collection item. The name identified on the collections does not match my full name either.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I discoverd on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION to file a report. I'm done with it. And, Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX Owed : {$580.00} ; XXXX XXXX Balance Owed : {$210.00} ; XXXX XXXX Balance Owed : {$160.00} ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXXXXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry XXXX XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX  XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX  XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX  XXXX Date XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Account status incorrect

Company reported my loan Moneylion Credit Builder Plus loan XXXX, when 30 days delinquent when i have made payments on time and informed immediately about Covid-19 impact. Moneylion is practicing predatory lending practices ... i trusted them to use their credit builder loan to help me it is destroying my credit at a crucial time. I have made payments on time. Money Lion is causing irreparable harm to my XXXX  credit report by falsely and fraudulently reporting my loan as 30 days delinquent..When i have making payments on time! I have sent screenshots that show my loan is current. They are destroying my progress. I trusted Moneylion.
Complaint sub-issue: Reporting company used your report improperly

Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent a number of certified letters disputing items on my credit report that are showing negatively.
Complaint sub-issue: Problem with fees

Our complaint relates to predatory lending practices of Home Depot Credit Services, which we understand is administrated by Citibank. We had a Home Depot Credit card ( " Card 1 '' ) which had been paid on time and paid in full. In XX/XX/2018, we purchased paint at the XXXX Home Depot store and were pressured into opening a second Home Depot Credit card ( " Card 2 '' ). At that time, we were told that there was a substantial discount if a second card was opened and, accordingly, we should not use Card 1.

We acknowledge that we paid Card 2 late. However, the XX/XX/2018 statement for Card 2 shows that the balance was paid in full. Because of the late payment we were charged {$16.00} in late fees which were due on XX/XX/2018. 

We use online payment to pay amounts on Card 1. This method provides for the entry of account numbers. Inadvertently, we failed to realize that we need to open a second payee account for online payments due on Card 2. We paid the {$16.00} under the account number for Card 1. Home Depot Credit reports that they processed the payment on XX/XX/2018. 

In XX/XX/2018, we received a second statement on Card 2 which included {$16.00} balance plus an additional {$16.00} in late fees plus {$2.00} in interest. The total balance of {$34.00} was due on XX/XX/2018. We also received an XX/XX/2018 statement on Card 1 showing a credit balance of {$16.00}. We were abroad and then out-of-state when the XX/XX/2018 statement were received. On or about XX/XX/2018 we telephoned Home Depot Credit to discuss the misapplication of the XX/XX/2018 payment. After researching the matter, Home Depot Credit applied the payment to Card 2.  On its XX/XX/2018 statement, Home Depot Credit reported a XX/XX/2018 " Misapplied Pmt SM Prin '' on Card 2. However, we were charged an additional {$34.00} of late fees and {$2.00} of interest. 

On XX/XX/2018 we called Home Depot Credit to resolve the balance of the XX/XX/2018 statement. At that time we were referred to XXXX in the credit adjustment department. After much discussion, we were told that the Citibank 's policies allowed for only one late payment per each account regardless if there was a misapplication of payments between two Home Depot Credit accounts. We were then told to pay an additional {$16.00} in late fees and that the XX/XX/2018 charges of {$38.00} would be waved. We paid the {$16.00} amount and closed Card 2.

Although small in amount, the business practices employed by Home Depot Credit and its agent Citibank are, in our opinion, a clear indication of predatory lending actively which should be stopped by the CFPB to protect other consumers. Moreover, Home Depot should be prohibited from pressuring consumers to open second accounts because the represent a clear conduit to orchestrate predatory lending practice.
Complaint sub-issue: Information belongs to someone else

I have sent numerous dispute letters to Equifax to dispute the fraud inquiry 's on my credit report and they failed to respond or remove off my credit report. XXXX and XXXX has successful removed them but Equilfax will not respond. These fraud inquires are damaging my credit, and stopping me from getting in any type of credit or even a rental to live in. I have send in a police report numerous times as well and have yet heard from them.
Complaint sub-issue: Fee problem

I opened a US Bank small business checking account as a sole proprietor on XXXX under the terms of a bonus that stated 'You must make new deposit ( s ) of at least {$3000.00} in new money deposits ( Direct, Mobile, ACH or Wires ) within 30 days of account opening and then maintain a balance of at least {$3000.00} through 60 days after account opening ' to receive {$300.00}. On XXXX, I deposited {$3000.00} in money new to US Bank from my XXXX bank account. This money, having been deposited within 30 days, was in the account in question ( ending in XXXX ) until XXXX, well after 60 days. Despite meeting the terms of the bonus, I did not receive it. After contacting US Bank, I was told " The customer did not make the required amount of deposits from eligible sources within the 30 day time frame. Per the disclosure : You must make new deposit ( s ) of at least {$3000.00} in new money deposits ( Direct, Mobile, ACH or Wires ) within 30 days of account opening and then maintain a balance of at least {$3000.00} through 60 days after account opening. '' Despite my complaints that this was patently false, US Bank has refused to offer anything more in response. 

They can not be allowed to simply disregard the terms in their promotion in an attempt to gin up new accounts false advertising and deceptive and malicious practices are particularly dangerous when it comes to banking.
Complaint sub-issue: Information is not mine

XXXX XXXX XXXX failed to remove my father 's credit card account from my credit reporting agencies. They removed it from XXXX, but failed to remove the item from XXXX and Equifax. When I put a dispute in for XXXX and Equifax, they updated the status as " update '' indicating that the account belongs to me. I put another dispute in today with XXXX and Equifax. I expressed the account belongs to my father XXXX XXXX and my purpose on the account was to be listed as an Power of Attorney " ONLY ''. My father is XXXX years old and I am his daughter assisting him with his fiscal responsibilities. However, XXXX XXXX XXXX without my knowledge or authorization and without my father 's knowledge or authorization added me " XXXX XXXX '' to my father 's account as a XXXX cardholder. At no time did I receive a credit card, nor did I make any purchases with a card. I did not open up any line of credit with XXXX XXXX XXXX nor did I sign any documentation to request a line of credit. I am requesting that XXXX XXXX XXXX remove their account from all credit reporting agencies. I am not responsible for any line of credit with XXXX XXXX XXXX nor is this my account. I also put in a dispute with XXXX File number XXXX on XXXX, and the XXXX XXXX XXXX item was removed.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/2018 I submitted a letter to XXXX XXXX XXXX XXXX, XXXX in regards of three items on my credit file I'd would like remove which I'm unaware of. which Equifax stated they cant remove the items and don't provide any information on how the accounts were verified.
Complaint sub-issue: Debt was result of identity theft

I'm a victim of identity theft. Someone tried to open an account in Moneylion under my information and he successfully did. I found via my credit report notification. And when I was checking my mail i found 2 debit cards under my name. I called to the company about it and let them know I haven't know anything about your company why I'm receiving this debit cards. They asked me a number of cards to cancel them i gave them debit cards number on phone and they told me they have cancelled it. After that they gave {$990.00} loan to someone under my name and put this on my credit report it's hurting my credit score in my life i have never applied for any kind of loan. I'm very upset about it after speaking with them 3 times they are still giving loan under my name without my concern.
Complaint sub-issue: Debt is not yours

I have filed numerous complaints against this debt, statute of limitations is up on. This is not my debt and has also been closed. This is HARASSMENT!!
Complaint sub-issue: Debt was result of identity theft

FTC Report Number XXXX XXXX XXXX XXXX Dentist stationed in XXXX, CA-moving to XXXX in XXXX. Responded to XXXX ad for " mother in law XXXX XXXX XXXX XXXX XXXX, XXXX, TX. XXXX XXXX XXXX ( XXXX listed as XXXX XXXX ) at XXXX. Viewed video of unit, scheduled phone call to discuss living arrangements. A woman called me from XXXX, we talked about the unit. She asked for a date of birth for background check which I provided. We later texted about the lease-she sent over signed lease form with requested refundable 1 month security deposit via Bank transfer ( XXXX XXXX number in lease ). I signed lease electronically and sent transfer via XXXX XXXX Xoom feature. A few weeks later, received form text stating that " we had to leave country for tragic emergency '' and requested address and deposit amount to send check. I became suspicous and texted back confirmation-no reply. I then emailed previous address and email was returned as undeliverable. I realized that this was attempted identity theft and filed FTC report. I also placed alerts on bank accounts, credit reports, and am filed police report. I am filed with bank and received funds back. I believe that woman was not " XXXX XXXX '' and that she took information from the real XXXX XXXX 's online information ( husband 's name, work status, etc ). This person now has my name, personal email address, personal phone number, date of birth, and signature ( electronic ). Person does not have my bank information as I sent via XXXX. XXXX Xoom has sent me to collections for money owed, stating that since I authorized the transaction it was valid and I need to pay them. I called over the phone on XX/XX/XXXX and explained the identity theft/fraud but they stated they still considered it valid and I needed to pay the money. I offered to send the FTC, police and bank report and they declined. I stated that I would file with the CFPB. The case number for XXXX Xoom is XXXX
Complaint sub-issue: Information belongs to someone else

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX + {$1200.00} Closed XXXX XXXX/XXXX Closed : XX/XX/XXXX + {$730.00} Closed XXXX XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX + {$680.00} Closed XXXX XXXX XXXX Closed : XX/XX/XXXX + {$640.00} Closed XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX - {$33000.00} Closed XXXX XXXX Last reported : XX/XX/XXXX -  {$610.00} XXXX XXXX - {$430.00} Closed XXXX XXXX XXXX XXXX - {$1200.00} Closed XXXX XXXX- XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$1300.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$610.00} Needs Attention XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$410.00} Needs Attention XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$100.00} Needs Attention XXXX XXXX  XXXX XXXX Last reported : XX/XX/XXXX + {$54.00} Needs Attention XXXX, XXXX XXXX  SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Complaint sub-issue: Transaction was not authorized

We deposited a check with Citibank XX/XX/XXXX, and they put it in my Checking Plus account unauthorized. It was supposed to go into checking. We were released {$7100.00} on XX/XX/XXXX, and we were just released a letter stating that my credit line was reduced to {$300.00} from {$3000.00}, so they were not able to release the rest of the funds. Now, these funds were not intended to pay off loans, which I was paying every month. So, this was an unauthorized move by the bank. We need the {$3000.00} to pay our movers, and we have asked a relative to cover this, which they may not do. I would like compensation from the bank Citibank, to cover this problem.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  Account # XXXX, / XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX  XXXX XXXX Account number XXXX XXXX XXXXXXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX  Account number XXXX, XXXXXXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXXXXXX XXXX Account number XXXX, XXXX XXXX Account number XXXX, XXXX XXXX Account number XXXX, XXXX XXXX Account Number XXXX, XXXXXXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX. # XXXX, XXXX XXXX Account Number 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 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: Inadequate help over the phone

MY CREDIT HAS BEEN IN CONSUMER AFFAIRS DEPARTMENT WITH EQUIFAX SINCE 2009 THEY CLAIM THEY PROTECTING MY IDENTITY BUT THIS NOT ONLY EFFECTING ME BUT IT IS EFFECTING MY FAMILY I CANT PURCHASE A HOME BECAUSE THERE ARE ACCOUNTS ON MY CREDIT FROM IDENTITY THEFT. I HAVE PROOF OF THE ACCOUNTS PREVIOUS BEING DELETED ALSO IT IS EFFECTING ME WITH IRS BECAUSE THEY HAVE BUSINESSES REPORTING INCOME THAT I HAVE NO CLUE WHO THEY ARE FROM AND IT IS SPILLING OVER FROM MY CREDIT TO IRS.
Complaint sub-issue: Problem lowering your monthly payments

I have an issue with  Sallie Mae because they ca n't offer me any type of repayment plan that is in line with my income. They said I gave up the right to graduated payments because I had to go into forbearance while I searched for another company to refinance with. I do n't qualify with any of the other finance companies because I do n't make enough money. I called Sallie Mae twice   today to ask if there was some way I could avoid defaulting on the loans and sparing my co-signers credit  XXXX . I offered to make payments on the loans but I ca n't afford the full amount.  Sallie Mae told me that I would have to let the loans go into default or delinquency for  XXXX  days before anyone in Sallie Mae Collections  would call me to ask me why I was n't making full payme nts. Only then, would they offer me alternatives. This is, of course, after everyone who co-signed with me has a  XXXX  late on their credit report which lowers thei r credit score significantly. I owe Sallie Mae {$170000.00}. The payments are {$1500.00} a month. I can pay maybe a {$1000.00}. Even this amount leaves me with no disposable income. Sallie Mae wo n't work with me. I 've tried every possible alternative I can think of before  just defaulting on the whole mess. And taking my whole family down with me.
Complaint sub-issue: Funds not handled or disbursed as instructed

An unauthorized withdrawal at a Citi bank teller ( in the amount of {$25000.00} ) took place on XX/XX/22. This was a fraudulent withdrawal and overdrew the account. I first noticed this activity on the evening of XX/XX/22 when i went to withdraw money from my account. I notified Citi as soon as i noticed the fraudulent withdrawal. I was provided with a case # and was told i would be contacted within 24-48 hours. No one contacted me regarding the incident by Wednesday XX/XX/22, so i called back to inquire about the status of the withdrawal and was told that the case was still being investigated and there was nothing further to share. I then called back on Friday XX/XX/22 and after escalating to a manager twice, i was given a new case # as the representative said the original case did not adequately flag the transaction as fraudulent. I was not given any further details regarding the withdrawal and I was informed that it could take 30-90 days to resolve my case. Citi then sent me an indemnification request to indemnify them of any further fraudulent activity on the account, which i did not sign. I called Citi again on Sunday XX/XX/22 to inquire on the status of my case and was told i would receive a call back ( which never happened ). I called back on Monday XX/XX/22 and it took over 1 hour to speak with someone regarding my case. After speaking with them, they created yet another case number and i was told again that it would take 30-90 days to resolve this. At no point has Citi ever provided me details of where the withdrawal took place or any other details so i could inform local authorities of the fraudulent transaction. Citi has never called me back regarding this dispute.