Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Was not notified of investigation status or results

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report.
Complaint sub-issue: Attempted to collect wrong amount

My house sold on XX/XX/XXXX and XXXX was paid in full for the solar panels I purchased from them. I had XXXX accounts with them and they automatically shut down XXXX of the XXXX accounts but the left XXXX open. They have continued to withdraw {$500.00} from my checking account each month and when it was brought to their attention they told me that it was my fault for not stopping autopay ; however, they did close XXXX of the XXXX accounts. When I called to ask when why my account continues to be debited I could not get a straight answer from anyone. They continued to withdraw {$500.00} from my account and they have no accountability whatsoever. I even asked to speak to a supervisor and I was told there was nothing that they could do and that I had to wait XXXX business days to get my money back. When someone writes a bad check that person is held accountable but it appears that credit companies are not.
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

I went to a car dealership to get a car but I was told that I have a credit freeze on my file. But I never told any one to put it on there. I'm tried of the discrimination that come from this company. Here the thing, when I had the freeze on my account. My identity was stolen two times threw there security breach.
Complaint sub-issue: Debt is not yours

I have been contacted by a debt collector about a delinquent credit card account that is not mine. The debt was sold to the debt collector by Citi and they were provided with my information even though the account is not mine. I have contacted Citi several times about the account have been told to contact a " client resolutions '' phone number, but when I call the number it simply hangs up.
Complaint sub-issue: Information belongs to someone else

I pull have alerts set up on my credit as a result I received one stating that I have a collections account. I the called the place of business only to get brushed off by a staff member because I did not want to provide my personal identity information. I was not comfortable doing such because I have never done ANY BUSINESS with the merchant requested and I am not even sure how they were able to just plaster their info on my credit report without even have said proof. 

I DO NOT have any account with XXXXXXXX XXXX  in fact I have never step foot on their property in over 2 decades. In fact, when I noticed a charge on my bank account initially back in XXXX of 2021, I immediately filed an unauthorized dispute with my bank. They closed the account and I thought that was the end of it. Now, they put an account on my credit when again I did not sign up for any account. 

Lastly on XXXX I called XXXX XXXX and explained that I personally was not the one who made the change on my card but knew who did and the charge was not authorized. I did not wish to prosecute the person because it was someone from my XXXX XXXX XXXXXXXX XXXX  daycare center who also is a XXXX. At this point I feel like they took advantage of a situation and wish to hold someone accountable. However, that person is not me, I was working when this occurred and again DID NOT give anyone permission to use my bank card/XXXX XXXX  or any financial Information to sign up for an account with these people. 

Nor did I sign anything EVER with the merchant agreeing today for anything. I tried to resolve the matter almost a year ago but they are now being vindictive to go the extra mile trying to force me to pay for what is clearly an unauthorized transaction.
Complaint sub-issue: Account information incorrect

This was not sent in error I am a consumer by law and I am frustrated. As of today its been over 60 days and they have yet taken any action to correct the mistake. They are supposed to report accurately to the Credit Reporting Agencies but theres information by LAW thats supposed to be EXCLUDED! Late or missed payments are one of them.
Complaint sub-issue: Information belongs to someone else

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request 3 credit bUreaus the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
XXXXXXXX XXXX XXXXXXXX Balance : {$22000.00} ; XXXX XXXX Inquiry Date XX/XX/2022
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( XXXX plus ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) The date of last activity on this account was on XX/XX/XXXX. It would be impossible to be late on an account where no payments have been made since XXXX. Also, there is a new reporting date of XX/XX/XXXX. It is a violation of the Fair Credit Reporting Act to re-age an account and change the account number to report as current. The FCRA is mandated to report accurate account information on a credit report. This false reporting of a chargeoff account with lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Complaint sub-issue: Banking errors

On XX/XX/2022 I opened a Citi Accelerate Savings account online with the rate of 1.0 % interest rate and 1.01 % APY. I have deposit {$130000.00} in this account. The XX/XX/2022 statement only paid 0.6 % ( {$56.00} ). The XX/XX/2022 statement only paid 0.89 % ( {$99.00} ). I called Citibank to inquire about this error. The XXXX said they can change the rate at any time and that is why it only paid 0.6 % and 0.89 %. I told them I have checked my account XXXX times a week since opening the account and it stated 1.0 % every time. They told me too bad but that is how it works. This is a clear case of bait and switch. They have been advertising this interest rate for WA and other state residents for months. Citibank has also not allowed me to link my account to other external bank accounts so that I can withdraw money. They message says access blocked every time I try to link an external bank account through Citibank.
Complaint sub-issue: Reinserted previously deleted info

Once again, being like 2016, equifax is not allowing disputes to be filed on line and just like in 2016, Equifax is being and engaging in obstructive means to frustrate the consumer attempts to correct all the incorrect information on the equifax credit report. Many of the incorrect items removed in 2016 are once again showing up just like they did in XXXX 2016.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please reinvestigate the unverifiable accounts below and correct it in my file : XXXX XXXX Balance : {$0.00} ; XXXX AUTO XXXX Balance : {$47000.00} ; XXXX XXXX XXXX XXXX : {$3500.00}
Complaint sub-issue: Threatened or suggested your credit would be damaged

I initially contacted XXXX regarding the vehicle I purchased and was immediately told with me surrendering the vehicle my credit score would severely be impacted. There was no way for them to work with me regarding the vehicle. I started calling them on XX/XX/2019. They turned the debt over to a collection company. The company has now started to call my family members. They should also provide to me how much they purchased my account for. I would like the information in writing.
Complaint sub-issue: Debt is not yours

I was homeless during XX/XX/2014. During this time, I was caught in freezing rain and went into a police station as it was the only nearby public building and I was near XXXX. I was unable to think or communicate clearly, and requested a cup of coffee and a place to sit.

They called the local XXXX, which were connected to the building. They took 45 minutes to arrive, and upon arrival told me that I was not XXXX  and needed no assistance and left.

A few months later, I received a letter stating there was a {$200.00} bill sent to collections ( Americollect ). The bill detailed the XXXX 's arrival as being {$190.00}, and their use of a pair of disposable gloves as {$5.00}. I contacted the collection agency and disputed the claim, but it remains on my account and I continue to be contacted by them regarding this collection.

This is an unfair charge, as this was both against my wishes and an unreasonable charge. This has affected my credit score for years, and the collection agency Americollect refuses to negotiate this in any form.
Complaint sub-issue: Application denied

I had a Citibank Mastercard opened around XX/XX/XXXX. I'm thinking several years after I had my Mastercard with Citibank and some other accounts that I had. I had to file bankruptcy do to being unemployed at the time. While within the last 2 weeks I had applied for a secured Mastercard with Citibank and they denied me because I filed bankruptcy in the XX/XX/XXXX. I assumed after a person credit reports were cleared that they can we apply for credit again, and even if it's with the same creditors. 
How can a bank still hold something against a person something that happened over 20 years ago.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX Inquired XXXX XX/XX/XXXX ; XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX/XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX
Complaint sub-issue: Banking errors

O
n XX/XX/XXXX I opened a Citibank Account Checking online where a promotion was advertised for {$300.00} for opening an account. There was a delay in processing the opening on Citi 's ed but the account was opened and it was confirmed on the phone that the promotion was attached to my account.
The terms stated : Within 45 days after account opening, make a qualifying deposit of {$15000.00} or more in new-to-Citibank funds into the new checking account or your new or existing Citibank Savings Plus Account or Citi Savings Account and maintain a minimum balance of {$15000.00} for 30 consecutive calendar days following the date you made your qualifying deposit.
Within 45 days after account opening, complete 1 qualifying Direct Deposit to your checking account or make 1 or more qualifying purchase transactions with your Citibank Debit Card totaling {$250.00}.
On XX/XX/XXXX I deposited {$15000.00}. OnXX/XX/XXXX I deposited {$340.00} and I made a debit purchase for {$250.00}. My statement ending XX/XX/XXXX shows an ending balance of {$15000.00} and I maintained {$15000.00} or more the entire time of the first 30 days since my deposit.
I have called and done live chat and I 've been told that my bonus is coming. Yesterday I did live chat and was told the back office was being contacted and that my bonus would post in 1-2 days. I will attach this live chat from yesterday. Today I received a letter that I 'm not eligible for a different bonus which required a $ XXXX deposit for {$500.00}. This is not the account I applied for.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been going to the same XXXX  for 11 years ( XXXX XXXX XXXX ) during this time period my address, email address and phone number have all remained the same. I have received many calls, email correspondence and mail from them over the years but absolutely zero correspondence about a XXXX dollar debt that they claim that I have. The debt may or may not be valid and I do not dispute the debt itself. My issue is that XXXX XXXX sold this debt to XXXX XXXX and then was reported as a collection to Equifax. I have reached out to all parties several times and none has made any attempt to rectify this error. I have ( otherwise ) perfect credit and demand that this erroneous information be removed or proven. The burden has been put on me to prove that I never received correspondence which is possible. I am willing to pay the XXXX  dollars and not challenge the validity of the debt but not unless and until this fraudulent derogatory on my pristine credit report is removed immediately.
Complaint sub-issue: Deposits and withdrawals

XX/XX/XXXX I deposit XXXX. I was told the funds would be available the next day. I went the next day XXXX. And withdrawal the money. I noticed a few days later my account was in the negative, I called the asked why and they said the check hasn't cleared. I asked them why did I get the money and they said it just may take longer. Than on Tuesday XX/XX/XXXX I went to deposit a check and I found out my accounts was frozen. Said the check I deposited was fraud which I had no idea. But I never received notification, the gave me the money and my account doesn't show anything wrong. It even shows the running balance. If there was a problem the bank should have never given me the money. Please help me unlock so I can take care of my family. 

TCF CLASSIC SAVINGS {$0.00} XXXX Manage my account Enroll and view online documents Export Transactions Search Search Advanced Search Options Running Balance Pending You have no pending transactions. 
2020 Posted XX/XX/XXXX FORCE POST DEBIT MONTH MAINTENANCE Utilities/Gas/Electric - {$1.00} XX/XX/XXXX WITHDRAWAL Financial Services/ATM - {$4000.00} {$1.00} XX/XX/XXXX DEPOSIT Income {$4000.00} {$4000.00} XX/XX/XXXX WITHDRAWAL Financial Services/ATM - {$350.00} {$1.00} XX/XX/XXXX ACH CREDIT STATE OF ARIZONA Uncategorized Income {$350.00} {$350.00} XXXX
Complaint sub-issue: Reporting company used your report improperly

My information has been compromised by an Equifax Data Breech. Equifax offered a website to check if I had been impacted, and I was. The impact includes my SSN, DOB, Full Name, and credit card numbers. Their offer was to have one year of credit monitoring, with a company of their choice, free. Choosing this would also bind me into an arbitration clause and not allow me to pursue other remedies easily, later. I do not believe this to be adequate.
Complaint sub-issue: Reporting company used your report improperly

Equifax was negligent and did not securely hold my information. My Name, Social Security number, Birthdate, Address, Phone Number, and Drivers License number has been taken by unknown entities during the 2017 cyber attack. There is a chance they were also able to access my credit card numbers. 

I am a victim of Identity theft and now at high risk of credit and identity fraud.
Complaint sub-issue: Old information reappears or never goes away

Old items reappearing.
Complaint sub-issue: Funds not handled or disbursed as instructed

Entity : Credit Karma/XX/XX/XXXXDetails : - Opened Credit Karma checking account on XXXX/XXXX/21 through XXXX. 
- Reason the account was opened because XXXX offered {$50.00} if my tax returns were deposited in this accounts and needed to set up direct deposit by XX/XX//21. 
- Confirmed this offer again over email. I have a record of them repeating the offer. 
- No money deposited on promised date ( XXXX/XXXX/21 ) and support denies the offer ever existed. 
- Complaint regarding deceptive practices and false advertising.
Complaint sub-issue: Old information reappears or never goes away

There are accounts on my credit report that are past the statue of limitations and are over the time limit to be removed with all bureaus and it needs to be corrected.most accounts were in chapter  XXXX  and are open accounts that should be closed.
Complaint sub-issue: Public record information inaccurate

Had a fraudulent loan taken out using my information, but with a different phone number, bank account, and address that I have never used or claimed to be mine. The company that provided the loan to the fraud was MoneyLion. The account was signed up on XX/XX/2022 but I did not realize it had been reported on my credit report until recently when I went to open a credit card and was rejected. I checked my credit and on my report I had a {$1000.00} loan taken out by someone that was not me. I contacted MoneyLion support and they provided me with the loan details, showing my name but a different address and phone number. I assume to take out a loan they used my social security number, date of birth, and full name but used a fraudulent address, phone number, and bank account. I have tried contacting MoneyLion support through email and they told me I had to call in. When I try to call in I am unable to get past the robot that handles their calls. When I attempt to get through the robot I am left with the robot guiding me to go back to emailing support for help, and get stuck in the loop of them ping ponging me back and forth from email to phone call. I have also contacted my local police department and they have given me a police report to give to MoneyLion, but like I previously stated, I get stuck in the loop. I am looking to file a lawsuit with MoneyLion for wrongfully putting out a loan under my name and credit report ( social security ) but with a different address, bank account, and phone number. They should have easily been able to look at public records to find my address and phone number and avoided setting up a fraudulent loan. MoneyLion is currently charging interest on the unpaid loan and my credit continues to be lowered. I am unable to open a credit card or get a loan for anything, my financial life is essentially ruined for the time being. Please help me with this case I am willing to provide all the evidence that I have. I have already spoken to a lawyer who claims that my case is valid and strong and is willing to move forward at any time.
Complaint sub-issue: Account status incorrect

Equafax is saying I have 0 months since last missed a payment. XXXX and XXXX have the information correct as last missed a payment 3 years 4 months ago. No idea why equafax would list this since nothing has changed and none of my accounts have had a missed payment. Its hurting my equafax score and my ability to gain a mortgage. Its a violation of my the fair credit reporting act as well and I will be following up with a complaint to the XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

After 10 months of dealing with a company called XXXX and being strung along for a potential refinance I received sporadic and unauthorized hard inquiries from XXXX XXXX XXXX also advised me to wait until the last day to pay my mortgage which is horrific advice and lied to me about the hard inquiries from XXXX XXXX. I have no mortgage through the fraudulent company XXXX, nor should the inquiries that were never authorized be on my account at all.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX  and Equifax are reporting 4 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Complaint sub-issue: Information belongs to someone else

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I disputed the inquiries online with Equifax and was advised credit inquiries were factual that stay on record for two years, but was advised to file a report with the FTC, however, I was directed to the CFPB website. I contacted XXXX via phone and tried to dispute the inquiries with them directly. I tried getting in contact with XXXX, however, I didn't have any luck. Also, some accounts reporting on my credit file with bankruptcy have been disputed several times, but have yet to be removed from XXXX and XXXX, it has already been removed from Equifax. I will attach my credit file and it will show the accounts listed on each credit bureau. Also, I wanted to dispute addresses, spellings of names, and employers on my credit file.