Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Trouble using the card to spend money in a store or online

I am trying to unsuccessfully activate the XXXX  issued by Money Network XXXX XXXX, XXXX XXXX Connector XXXX, Mail Stop XXXX, XXXX, GA XXXX. I have lost my hearing so calling XXXX was a problem so I tried the XXXX TTY number multiple times and each time it hung up after 1 min and 43 sec. I sent a letter to the above address, but it was returned as undeliverable. I sent an Email to FISERV who owns the Money Network and they said it was not their problem and to contact the above address. I also sent a letter to the Money Network  XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX, but I got no response at all. All I want to do is activate the XXXX # XXXX XXXX XXXX XXXX and transfer the {$1200.00} to my XXXX Checking Account. I created and account on XXXXXXXX, but the Website has no way to activate the card account. I just want the {$1200.00} since I am living on Social Security XXXX due to a XXXX XXXX  so I have no immunity to anything so Covid 19 without hearing is a real problem for me. A actual chek would be fine. Thank you for any help you can provide so i can get my money.  XXXX  and the Money Network is not very good with people with XXXX.
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/XXXX to XXXX credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., 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 XXXXXXXX XXXX XXXX  ) XXXX Balance : {$540.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX XXXX : {$360.00} ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance XXXX {$400.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXXXXXX : {$270.00} ; XXXX XXXX XXXX XXXXXXXX Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$230.00} ; XXXX & XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$2100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$630.00} US DEPT ED XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$210.00} ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/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: Account status incorrect

I have been filing properly with Equifax to have XXXX XXXX XXXX removed from my credit report. I have filed numerous disputes and they continue to leave on my credit report, and it should have been removed, should be removed where the 7-year statutory reporting period has long since past from the first time it was reported to them as late. 

I have a document that I will send to you dated : XX/XX/XXXX, that supports XXXX reported the account late on XX/XX/XXXX for  the first time, and this is nearly ten years later and it is still on my report, the vehicle was voluntarily surrendered in XX/XX/XXXX when both my parents became terminally ill and I could no longer afford. 

I need your assistance, I have tried and tried. 

The seven-year statutory period has long since past and it should have been removed, it is causing me severe hardships when applying for my student XXXX Plus loans I continue to get denied due to this and have to explain and appeal each year. This is something that should have been taken care of years ago. 



Very truly yours, XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Please I need an investigation on some fraudulent accounts that are being reported on my credit. I was viewing my credit yesterday when I detected some accounts that our not mine. I did not approve these accounts, nor have I given anyone permission to use my credit. Now I am unable to obtain new credit because of this. Please have these accounts removed from my reports.
Complaint sub-issue: Investigation took more than 30 days

In XXXX I sent all 3 credit bureaus a request to remove these inquires that I did not make. It has been over 30 days and cant seem to get anywhere disputing without them saying they verified it but I am telling them that I did not apply.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I received a response in regard to complaint ID # XXXX, thank you. However, I noticed it claims I currently have a balance. The account was closed, please refer to attached and forward. Thank you ... When will this nightmare finally end???
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX - Card Service XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Banking errors

It 's XX/XX/XXXX, and i worked an six hour shift in XX/XX/XXXX and it said i made {$XXXX} i make {$XXXX} an hour there is no way i only made {$XXXX} out of six hours and my bank info is wrong.
Complaint sub-issue: Debt was result of identity theft

Afni debt collections Afni, Inc. 
XXXX XXXX XXXX XXXX, IL XXXX I have never had a agreement in writing with this company and they have put a collection on my Credit report that is not mine for amount {$590.00} date reported XX/XX/XXXXall 3 credit bureaus
Complaint sub-issue: Account status incorrect

I have a credit card with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX  and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting Equifax, and XXXX XXXX  with no successful resolution. Equifax only reporting me two 30 day late payments. There was an error on their part. I was never two times 30 days late.
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this XXXX XXXX {$0.00} under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiableaccount.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX  has reported the 3 bureaus that i owe {$7600.00} to them, and when asked to show the debt, they failed to do so.
Complaint sub-issue: Can't close your account

We were issued new cards on an account we don't use or want. I tried to close the account a few weeks ago ( one of the cards is in my name ) and the customer service agent would not allow me to close the account because the account was in my husband 's name. Today my husband called to close the account. My husband is extremely hard of hearing and had trouble understanding the credit card rep. The rep did not want to close the account and kept arguing with my husband. My husband was getting frustrated because he could not hear or understand the rep. He then informed the rep that he was going to hand the phone to me and the rep didn't want to talk to me. I finally asked for his supervisor and when she came on the line we went through the same ordeal. After telling this rep several more times that we didn't want to account, we think she may have closed it, but because she, too, insisted on talking to my husband, we are not sure if the issue is actually taken care of or not. This was a totally frustrating experience and we are extremely upset that we had to be subjected to this kind of " customer service ''. The card in question is a Shop Your Way Mastercard issued by CitiBank.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I was charged {$200.00} on XX/XX/2022 for items not received. I contacted Macys and the company in question on XX/XX/2022. When I was not able to get the issue resolved, I re-contacted Macys on XX/XX/2022 and spoke with XXXX, at approximately XXXX pm cst. When she refused to solve the problem, I requested to speak with her supervisor. I wasnt connected to a supervisor.
Complaint sub-issue: Account information incorrect

I XXXX XXXX continuously contact XXXX XXXX  multiple times about this fraudulent charge on my account for {$290.00} on XXXX XXXX. The representative claimed they forwarded it to the fraudulent specialist but I was never contacted. I XXXX XXXX again contacted XXXXXXXX XXXX XXXX XXXX The supervisor stated to me that there where going to forward my complaint to the fraudulent team. No one ever gave me a call or send me mail to my home.I XXXX XXXX again contacted XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. 
Finally on XX/XX/XXXX am email was sent to my email stating that XXXXXXXX XXXX sent my concerns to the fraudulent team. I am still waiting!
Complaint sub-issue: Talked to a third party about my debt

A debt collection company has called repeatedly leaving messages with family/friends saying that they are calling from D and A Services ( or DNA? ) to collect a debt and information to return the call. I, as well as family/friends, contacted the company and requested that they stop calling. They have not. Also, they do not always state who they are attempting to contact regarding this alleged debt, I believe intentionally, in order to have my family member ( s ) return the call. They have also given out private information such as my name, the amount of the alleged debt, and also ask for my contact information. This has been very annoying, frustrating, embarrassing, not to mention illegal. They are just flat out completely ignoring all requests to stop the calls. I do not know what else to do other than file a complaint and talk to an attorney. It is apparently a useless waste of time to continue requesting that they stop calling so I am hoping that this complaint will help. Thank you for taking the time to read my message and for any assistance you can provide.
Complaint sub-issue: Their investigation did not fix an error on your report

I contacted XXXX because there is an account on my credit report that is being reported as a charge off. I asked the representative if she could tell me the name of the data furnisher and she said XXXX XXXX, now XXXX XXXX is the name of a credit card and it is not an actual company, how can a credit card name be reporting an account? According to the FCRA everything on a consumers credit report needs to be 100 % accurate without any mistakes, I want them to validate this account because I dont dont what it is and where it came from. I want this account deleted from my credit file because every single company name that I have been given starting with the original creditor arent correct, I called the original creditor which is XXXX XXXX and they told me that the account was sold to a company called XXXX XXXX XXXX, then I contacted XXXX XXXX XXXX and they told me to contact a company called XXXX XXXX XXXX, then XXXX XXXX XXXX told me to call a company called XXXX XXXX  and XXXX XXXX told me that they do not have the account with my information, I also received a letter from the original creditor telling me that the account was sold to a company called XXXX XXXX, I contacted XXXX XXXX and they do not have the account, What I would like to know is, how is it that XXXX and the other credit bureaus XXXX and EQUIFAX tell me that when I disputed this account it was verified, who verified the account if none of these companies have it? and the name of the data furnisher that appears on my credit report is not a company but a credit card name? Delete this account now because it has not and cant be verified or validated.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have informed XXXX XXXX and they are in the process of removal. I have to send them a letter and that asked that I report that activity here. 

The following is a list with the dates of the inquiries. Valid inquiries have been removed from the list. This list is XXXX XXXX Only but they are duplicated in whole or part on the other major bureaus., These inquiries are holding all three scores just under the XXXX mark and causing issues with Interest rates and approvals for myself and my business where I must offer a guarantee. 

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: Problem making or receiving payments

On XX/XX/2021 my phone and bank card was stolen by a relative. A police report was made. Case number and individuals name were provided to citibank. 3 atm withdrawals were done for XXXX each. Citibank originally credited back stolen amount then reversed charges indicating card never left my possession. This is untrue and police report if the ever obtained it reflected that.crockett texas police dept
Complaint sub-issue: Funds not handled or disbursed as instructed

This was my mother 's XXXX XXXX XXXX account where I'm listed as the beneficiary. She passed away inXX/XX/XXXX. I  contacted UBS many times ( three times just in the last two weeks ) and every time they told me that they received the paperwork and someone in charge of the account will contact me later that day or the next day. 
The failed to call me every single time. The last contact was on XX/XX/XXXX when a representative called XXXX said they'll call me the same day but they never did. 

I submitted my mother 's death certificate weeks ago and also a UBS statement showing that I'm the beneficiary but they keep passing me around reps and making me hold on the phone for long periods each time. I'm attaching these documents to the complaint. 

Prior to my mother 's passing I submitted a power of attorney and letters from her doctors explaining she was incapacitated ( she was XXXX years old suffering from XXXX XXXX XXXX and unable to XXXX XXXX XXXX ) and I needed to access her account to pay for her assisted living expenses but UBS played the same game and never gave me access. As you can imagine this caused a lot of problems for me, I have spent hours dealing with this corrupt institution. 

There are similar complaints for UBS with CFPB, some exactly the same as mine such as # XXXX. I believe this is standard practice for UBS and they should be held accountable for deceiving their clients and try to keep our money as long as possible regardless of the hardship this may cause us.
Complaint sub-issue: Information is incorrect

XXXX2017- car accident you reported XXXX XXXX as at fault he was not at fault - please correct ASAP I have the DMV report as well as a corrected insurance report
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed my Car Loan balance with XXXX XXXX XXXX XXXX XXXX many times with Equifax. As of today the Car Loan balance with XXXX XXXX XXXX XXXX XXXX is wrong and disputed. 

The previous disputes with Equifax are listed below : Equifax Confirmation Number : XXXX 1. Submitted XX/XX/20 2. Active 3. Closed Equifax Confirmation Number : XXXX 1. Submitted XX/XX/20 2. Active 3. Closed Equifax Confirmation Number : XXXX 1. Submitted XX/XX/20 2. Active 3. Closed
Complaint sub-issue: Can't get other flexible options for repaying your loan

I took out my XXXX XXXX loan in order to go to college. I was told when I signed up that I would get the best customer service. However, ever since I have graduated in XX/XX/XXXX, I have had nothing but trouble from them. They immediately came after me for {$550.00} a month. I was able to get my account placed on a Graduate  payment plan, but once it ended, I still was struggling to make payments as a recent graduate. When I contacted them, in XX/XX/XXXX and requested assistance in the form of refinancing due to an increase in my credit score, they refused and instead they placed me on an interest only repayment plan for {$300.00} a month, despite the fact that my cosigner had amazing credit. After that, they would make disrespectful, harassing and occasionally threatening calls to myself and my cosigner, who was in the hospital during one of  these calls. While I understand that they are a business, these calls came when I was only two days late in payment, and when I had already called XXXX XXXX and informed them that I was waiting on a paycheck and then they would get their money. At one point, the person I spoke with talked down to me and told me that until I " learned to pay on time, I would continue getting the calls. '' Again, this would occur when I was only two to five days behind in payment on a {$300.00} dollar payment as a recent graduate. I have never been more than 28 days past due, and every time I have been past due has been due to some reason I can't control and that XXXX XXXX refuses to work with me on. Now, after a year of these " interest only payments '', my repayment plan is almost up and at the beginning of this year, my balance went up {$8000.00} and they expect me to begin paying them {$550.00} a month come XX/XX/XXXXXXXX. Every time I request some form of help due to being unable to handle the bill and support myself, they refused. I have no issues paying my bills, I am an accountant and I know bills must be paid. However, there is absolutely no reason that XXXX XXXX should be this inconsiderate and all together disrespectful towards their clients.
Complaint sub-issue: Reporting company used your report improperly

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # : XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF XXXX XXXX OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. MoneyLion , Inc. violated 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), 18 U.S. Code 8, and 15 usc 1692b. ( 5 )
Complaint sub-issue: Reporting company used your report improperly

I HAVE REACHED OUT TO EQUIFAX FOR HALF OF A YEAR AND THEY KEEP GIVING ME THE RUN AROUND. XXXX HAS REPORTED XXXX INACCURATE ACCOUNTS TO EQUIFAX. THOSE ACCOUNTS ARE XXXX  : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX EQUIFAX HAS TOLD ME THAT XXXX HAS OPTED IN TO REPORT MY INFORMATION BUT XXXX HAS NEVER GIVEN ME THE OPPORTUNITY TO OPT OUT! 

Information pertaining to student loan accounts EDFINANCIAL : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX are to be excluded from my consumer report. 15 U.SC. 1681 ( a ) ( 2 ) 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; The term financial institution as outlined in 15 U.S. Code 6809- ( 3 ) Financial institution ( A ) In general The term financial institution means any institution the business of which is engaging in financial activities as described in section 1843 ( k ) of title 12. 15 U.S.C 1681a ( ii ) ; states a consumer reports does not include any report containing information solely as to transactions or experiences between consumer and the person making the report. Consumer reports are also not to include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card. XXXX HAD DISCLOSED MY BALANCES TO EQUIFAX AS WELL. If EQUIFAX OR these items from my reports ARENT DELETED FROM MY CREDIT PROFILE effective immediately then I will sue them in civil & FEDERAL COURT and go for monetary damages. I have all of my documentation to prove how many times I've disputed this with the bureaus including copies of complaints filed with the CFPB, that I've tried to resolve this issue yet no one seems to understand the disputes clearly spelled out other than me. Remove all of the outdated accounts now or risk being sued.