Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

On XX/XX/2020 I noticed that a charge was made on my Direct Express Card for {$83.00} that Direct Express and was told to cancel my card which I could NOT do at the time because I had to withdraw what funds were on the card because the card would be canceled and I would have to pay to have another one sent to me. On XX/XX/2020 I called and initiated a dispute with Direct Express for the amount of XXXX and was told that I would receive paperwork which I was to fill out and return to Direct Express, i did not receive the paperwork until XX/XX/2020 on XX/XX/2020 I mailed ( mailed from local post office ) the completed paperwork back to Direct Express. I called Direct Express on numerous trying to get the status of my  claim sometimes being put on hold for 2 hours and 45 minutes only to be told that my claim was still under investigation. On XX/XX/2020 I called and was told by a CSR in the dispute department that my paperwork was not received within 10 days of the opening of my claim ( they said that they did not receive it until XX/XX/2020 ) .How could get the paperwork back to Direct Express when I did not receive it until XX/XX/2020? As of XX/XX/2020 I still have not received the provisional credit which I believe is guaranteed by MasterCard ( the Direct Express card is issued by Comerica Bank and MasterCard ). I have done some investigating on these 2 entities and have found thousands of complaints about fraudulent practices about Direct Express and Comerica Bank. I thought as a consumer I was protected under law by such practices happening but obviously was wrong so how are you going to protect me? I ve filed reports with the FTC and have contacted the Senator for my state. I receive XXXX XXXX a month and this has been a GREAT HARDSHIP for me.
Complaint sub-issue: Information belongs to someone else

Incorrect Information Has Been Placed on my credit Report that hasn't been Validated. 
Ive reached out to all 3 Credit Bureaus and They've Refused to be cooperative to remove these False Files XXXX, XXXX XXXX, Equifax. I demanded To have These Removed without Proper Validation Per Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) They Refused to be of Assistance. 
CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX XXXX CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX  CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX Equifax
Complaint sub-issue: Account information incorrect

Account with Citi financial opened XX/XX/XXXX. On XXXX XXXX has XX/XX/XXXX. The highest credit was {$9200.00}. XXXX XXXX has {$13000.00}. This loan has been sold five times. My compliant is with Citi Financial as well as XXXX XXXX. Citifinancial sold to XXXX XXXX, from XXXX XXXX  to XXXX XXXX, from XXXX XXXX to XXXX and currently XXXX XXXX is trying to collect. I feel I have paid this loan in full. I never boworred {$13000.00} form Citifinancial. I believe this information is outdated. All companies listed stated collections under Citifinancial. I began Citifinancial reported having received {$5800.00} when transferred to another lender in XX/XX/XXXX. On XXXX   {$4700.00} activity designation paid and closed. XXXX received payment up until XX/XX/XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

When l checked my XXXX Credit Report, l noticed that an unknown hard inquiry was made by XXXX XXXX XXXX on XX/XX/2016 which l have no idea about it at all.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX open XXXX Amount XXXX account paid in full XX/XX/2018 For the amount of XXXX
Complaint sub-issue: Didn't receive notice of right to dispute

I have no idea who AFNI INC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. AFNI INC is indicating that an account with the account number XXXX was opened with their company in XX/XX/2020. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which XXXX XXXX XXXX XXXX authorized AFNI INC as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ AFNI INC } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to AFNI INC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
XXXX Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Complaint sub-issue: Personal information incorrect

I recently reviewed my credit file and unfortunately found that some of my personal information is incorrect. You are reporting information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. 

Please delete the following inaccurate information from my credit file in the next 30 days. I know that you have up to 30 days to meet my requirements. If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you have incorrectly reported and should be deleted immediately. 

Please delete the following inaccurate addresses : ( 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  ) Please delete the following inaccurate employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX By reporting these inaccuracies, you are in violation of U.S.C 1681b ( a ) ( 2 ) for a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; In accordance with the written instructions to the consumer to whom it relates. EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink written instructions to do so. These actions have caused my family and I a great deal of injury. 

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting Sincerely, XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserve
Complaint sub-issue: Information belongs to someone else

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 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC  # XXXX DOB XX/XX/XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

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 ) Account number : 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  Inquiry date : XX/XX/XXXX these accounts have 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 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: Debt is not yours

This account was previously disputed and removed from my credit report earlier this year by the last collection agency that had this account I was assured by Equifax that this could not be place back on my credit report by any other collection agency. It was sold to this collection agency ( XXXX ) and the dollar amount was changed from {$800.00} to {$800.00} and put back on my credit report. I would like this to be removed in no more then 7 days of receiving this complaint and a new report sent out to my address verifying the removal. Equifax assured me that this would not be allowed to happen and it 's affecting my life due to me being in the middle of purchasing my first home and my credit has dropped by almost a 100 points.
Complaint sub-issue: Account information incorrect

On XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, and Equifax had been mailed an official dispute letter USPS Certified Mail. Soon after, I received the results of the investigation only from Equifax and XXXX by mail with the correspondence date of XXXX XXXX while XXXX " updated '' the profile. The Credit reporting agencies stated that my account has been properly investigation but that is not accurate due to the reported balance of $ XXXX XXXX is inaccurate, the status of the account, and late payments/CO status reported from XX/XX/XXXX, XXXX Current date is not accurate. This specific account has been removed from XXXX, while XXXX, and Equifax have a reputation of disrespecting my character and ability to extend my consumer credit. Meanwhile, these credit reporting agencies have received the same information shown in the Exhibits section of the Credit Validation Letter from XXXX XXXX. XXXX XXXX sent a Credit Validation Letter on XXXX XXXX as a result of the investigation along with the original contract/ Original Receipt, and the total amount due shown : {$0.00}. Also, the Original Receipt of the transaction shows a balance of {$0.00} as well. Pertaining to the diminishing comment of a Charged off yet a 1099a, 1099c, nor 1099OID has not been provided by the company ( XXXX XXXX ) nor the reporting agency themselves as evidence that would support this claim. One can imagine the immense mental anguish that this has caused to my livelihood and reputation to obtain and extend my personal credit due to negligence. I am led to believe that the consumer reporting agency would rather destroy my reputation and determined to consistently violate my rights in such a way that is unfathomable. In addition, on XX/XX/XXXX XXXX updated this account as " Closed '' when it had been closed since XX/XX/XXXX, causing a XXXX point decrease to date. 

USPS Certified Tracking # 's : XXXX XXXX : XXXX, XXXX : XXXX, Equifax : XXXX 15 U.S.C 1681 ( 2 ) ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; as to the XXXX negative remarks/late payments listed within the payment history from XXXX XXXXCurrent Date resulting in XXXX ( XXXX ) qualifying violations. 

-15 U.S.C 1681 section 602 A Section 1 : States I Have A Right to Privacy -15 U.S.C 1681 Section 604 A Section 2 : States that a consumer reporting agency can not furnish an account without my written permission -FCRA 623 ad FDCPA 806 ( b ) state that the creditor MUST enter a notice of dispute. If this is not entered, the account can not report on the credit report.

-15 U.S.C 1681e ( b ) - Compliance Procedures ( b ) ACCURACY OF REPORT -15 USC 1681 sec 611 ( A ) -Also the Credit reporting agency took more than 30 days to complete my investigation here is my Certified Mail Tracking # : XXXX XXXX XXXX XXXX XXXX ( XXXX )
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX & XXXX ( XXXX Creditor : XXXX XXXX XXXXXXXX XXXX - XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The following alleged accounts were yet unproven to be my responsibility or fault.. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so.. Credit Bureuas failed to demonstatrate proper procedures to remove the accounts, CFPB help me, step up and remove the account XXXX XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I disputed a credit card transaction after numerous unsuccessful attempts to resolve the issue with the merchant ( XXXX XXXX ). They simply did not respond to any of my complaints. The company acted in a fraudulent manner and gave me false and misleading information to obtain the sell. I did not receive the correct tires or installation services I paid for. The card issuer Citi Cards failed to dispute my claim properly. They failed to contact the merchant for a response to my dispute. I provided ample and detailed information and multiple documents in regards to my tangible and non-tangible purchases. Citibank determined the outcome in favor of the merchant without considering all the evidence I provided to them. Citi Cards did not mandate the merchant to issue a refund.
Complaint sub-issue: Information belongs to someone else

I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAS COST A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGE THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVE OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have hard inquiry on my credit that I didnt allow to be on my credit. XXXXXXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a dispute for XXXXXXXX XXXX XXXXXXXX XXXX to be remove from my report on XX/XX/XXXX on XX/XX/XXXX the report came back as Accurate. However I have no knowledge of this account and I feel this is fraudulent. I feel as though Equifax didnt do a thorough investigation because this account does not belong to me and I would like for it to be removed immediately as it has cause detrimental impact to my credit report. there is no contract or any agreement between this company and myself. Also Equifax XXXX XXXX reported an on time payment that has not XXXX updated to my credit report.
Complaint sub-issue: Debt was paid

XXXX XXXX XXXX has violated my consumer rights by reporting an alleged debt to the credit bureaus, This false information is now affecting the chances of me to obtaining a credit card and affecting my livelihood. I never contracted with XXXX XXXX XXXX. XXXX XXXX XXXX never contacted me. I do not owe this alleged debt
Complaint sub-issue: Public record information inaccurate

Equifax lists a public record judgement on my credit file as  XXXX  as reported as of  XXXX    XXXX  . I have no knowledge of this public record and it has not been reporting on my credit report. I have lost points from my credit score because of this reporting and it is damaging my report and hindering me from obtaining credit. Please remove this public record.
Complaint sub-issue: Information belongs to someone else

Fraudulent accounts were opened using my identity. These accounts are having an adverse effect on my credit files. XXXX, Equifax, and XXXX are reporting accounts that are not mine and are allowing these collection agencies report false information.
Complaint sub-issue: Funds not handled or disbursed as instructed

I opened a Citibank checking and savings account package under a promotion to earn a {$400.00} bonus for depositing {$15000.00} and leaving it on deposit for 60 days. 

On XX/XX/18, I deposited {$15000.00} per the requirements. On XX/XX/18, I did an online chat to check status and was told the promotional code is not attached to my account even though I clicked through the offer on their site ( I've heard that this has happened to a lot of other people. ) The rep confirmed that I met the requirements but I had to call the XXXX XXXX XXXX XXXX about the promo code error. That rep ( XXXX ) put in a request to apply the promotion to my account and said to call back on XXXX if the bonus hadn't posted yet. 

On XX/XX/18, I did an online chat with XXXX to check bonus status again. The rep again confirmed that I met requirements but said I'd have to call the XXXX XXXX XXXX XXXX again about the bonus. That rep ( XXXX ) said it looks like there was a promotional dispute opened on my account back in XXXX but it was cancelled ( not closed per their process ) with insufficient notes about why. She also said there was a note that I didn't meet the requirements. I've been told twice that I met the requirements by other reps and there was no communication from Citibank to me that the dispute was cancelled. I've had funds on deposit with Citibank since opening the account in XXXX with the expectation that I would receive the {$400.00} bonus that was originally promised.
Complaint sub-issue: Information is not mine

My name is XXXX XXXX XXXX and XXXX XXXX is on my Credit report and i want her OFF, she even had a different social security number. I want her off now! She has really XXXX up my credit check and is invading my security. this has been since the year 2000. I tried getting her off before but know one has taken care of this ugg.. my home # is XXXX my email is XXXXXXXXXXXX my home # XXXX. Let me know what else I can do to get her off. she has ruined my credit.
Complaint sub-issue: Information belongs to someone else

I received a letter in the mail dated XX/XX/XXXX from AFNI regarding the collection for a XXXX account. Before I could have the chance to dispute the collection and obtain validity the company placed it on my credit reports XX/XX/XXXX. Normally you have 30 days to obtain validity with the company. This was my 1st notice I have ever received from them.