Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem using a debit or ATM card

On XXXX/XXXX/20, I received a fraud alert from Citibank. I immediately called them and found out that my daughters custodial account was hacked and her debit card number was stolen. I asked the customer service representative to close her debit card and re-issue a new card. I made sure to ask the representative if only her debit card would be closed and she assured me my personal debit card would not be affected. Turns out she blocked the wrong card and left me without access to my funds for over a week. I tried using the card and kept getting declined. I tried buying food for my children and I was unable to do so. When I called Citibank on XXXX XXXX, 2020, I informed them my card was not working but the representative said everything was fine with my card. On XXXX XXXX 2020 I ordered food from the grocery store and when it came to pay online I was unable to do so using my debit card. Turns out that my initial call to Citibank on XX/XX/XXXX closed my personal debit card and not the debit card associated with the hacked account. To make things worse, after my phone call on XXXX XXXX, 2020, I get an email saying that my new debit card is activated. Mind you the new debit card has not been delivered to my house but the representative took it upon himself to activate the card. When I called Citibank on XXXX/XXXX/2020, I spoke to two different women. The first woman finally deactivated the correct card that was initially hacked into. But then she passed me on to another woman who told me she would get a new card to me by Monday. When I told her that its Thursday and I have no money to feed my children, I requested that a new card be expedited with XXXX but she needed to get a supervisors permission. While waiting for her, the call got disconnected and she never called me back. When this happen, I was on the phone with Citibank for an hour so I went online and spoke to another representative through their chat feature. He informed me that the previous representative did put in an order for a new card to be expedited and arrive by Saturday, XX/XX/XXXX. Currently its XX/XX/XXXX and Im praying that the new card gets here by XX/XX/XXXX. I am writing to you because Citibank and their employees have made so many mistakes with my accounts that it left me without the use of my debit card and my funds. There is no excuse for such a huge bank to make sloppy mistakes that leave families without the ability to buy food especially during the holidays. I dont know if the expedited card will get here by XX/XX/XXXX but I am hoping so because I do need to buy food for my family. I can not keep borrowing money in order to feed them. Shame on Citibank.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I receive a call from a representative from ar concepts in relation to a medical bill from 2 years ago that I was unaware of as I only went to the practice once. I asked for validation of the debt to be sent to me in writing, I was refused. And told to contact the original debtor. The agent was extremely rude and pressuring. I asked to not be contacted by telephone for this matter and asked verbal to cease and desist all calls and to only contact me by mail. I disconnected the call. And was immediately called back by the same representative and told that he can continue to call me that he would be reporting to my credit threatening damage to my credit report, as well as threathening to file law suit against me. After calling the original debtor I was told they can not speak to me in the matter as at concepts now owns the debt but the debt is resulting from incorrect billing in the first place of which I did not receive notice of as they had the wrong address.
Complaint sub-issue: Trouble with how payments are being handled

Please note your website did not recognize the number listed below. 
CFPB COMPLAINT # XXXX Discover Student Loan, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX 1 ) XXXX - Discover Student Loan took over the loans from XXXX XXXX XXXX XXXX {$47000.00}. 
2 ) XXXX - Graduated from XXXX XXXX XXXX XXXX. 
3 ) XXXX - Began 'Autopay ' to make payments for the loans to Discover Student Loan. 
4 ) XXXX - I asked for an accounting of payments. Discover Student Loan did not apply any of my payments to the principle from XX/XX/XXXX - XX/XX/XXXX. After repeatedly requesting part of the payment be applied to the principle, they began to pay down the principle in XX/XX/XXXX. 
5 ) We always paid Discover Student Loan through 'Autopay ' so payments would not arrive late. However, a {$570.00} late fee has arbitrarily appeared on statements. 
6 ) Discover Student Loan also uses three different Customer Account # 's in the correspondence I receive from them. I have never received notification stating my Customer Account # was changing. 
7 ) I have paid an average of {$63000.00} over 9/years. Understanding interest is added to my loans why do I still owe {$56000.00}. I've paid $ XXXX. plus an extra {$2000.00} on 2 loans to principle only ( this is not added in the {$63000.00} ). What is Discover Student Loans doing with my payments.
Complaint sub-issue: Problem with fees

After nearly two years of having a us bank secured credit card I was able to establish a consumer credit rating score that was scaled good. 
I signed up with US Bank by opening a secured savings account and deposited {$300.00} dollars in XXXX of XXXX. I made all my monthly payment on time. 
On XX/XX/XXXX at the local branch with the manager, I completed the form provided, requesting to have the secured savings account closed. My balance owed at the time of closing was {$290.00} and US BANK was to apply the {$300.00} secured savings deposit to the secured credit card balance, and mail a cashier check to the address on file in the amount remaining XXXX - XXXX XXXX balance owed to me I never received. Instead US BANK on XXXX XXXX failed in their duties of trust and applied a late fee and interest on my closed account. The issue is I have sustained negative impact on my credit report, causing damage to me and XXXX business in excess of {$100000.00} dollars. It is a depressing world with the corporate banks and the inconvenience their games. Please help
Complaint sub-issue: Information belongs to someone else

Reporting agencies are reporting inaccurate information and I tried numerous times by having both items blocked or removed. I havent received any information pertaining these two items. These two accounts has hindered me and a very uncomfortable way.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, XXXX and Equifax Credit Bureaus have 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 accounts, inquiries and Incorrect Addresses, that are reporting on my Credit Reports : Accounts ; XXXX XXXX XXXX Balance {$1700.00} ; XXXX XXXXX Date Opened XXXX XXXX, XXXX Balance {$200.00} ; XXXX XXXX XXXX  XXXXX Date Opened XXXX. XXXX, XXXX Balance {$140.00} XXXX XXXX  XXXX Balance {$0.00} ; Inquiries : XXXX XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

XXXX is re-aging and fraudulently reporting incorrect information on all three of my CBI 's and directly impacting my ability to obtain a mortgage. XXXX is reporting the date first major delinquency reported as XX/XX/XXXX. XXXX is also reporting major delinquency XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. None reported as XX/XX/XXXX. Second, the account is not late 189 days. The account is not in collections. XXXX charged the debt off after they were advised the charges were based upon fraud and forgave the debt. This conduct is retaliation on the part of XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In XX/XX/XXXX, I was considering applying for a HELOC through my XXXX. I spoke to an agent and discussed some options - HELOC vs a refi wth cash out. He stated he needed to verify my information before he could submit an application. He asked about my income and expenses and marital status (?? ), then he explained there is not enough equity in my home to do a refi - I owed XXXX, then it was worth XXXX, then he said I did not have enough equity in the home to do a HELOC. I kinda got the impression he was racially profiling me as a single XXXX XXXX woman, I earn about XXXX annually and have good credit. He said he would double check and call me back. I never heard anything else from CoreLogic or XXXX. In XX/XX/XXXX I remodeled my kitchen and decided to try to apply for a HELOC, When I pulled my credit report, I saw the hard inquiry from CoreLogic. I never authorized credit inquiry, never started an application and the agent I spoke to never submitted one or even called me back. I have tried to have this inquiry removed because I did not authorize it.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally consumers right to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX along with XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX along with XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX and XXXX along with XXXX XXXX XXXX Account Number : N/A Account Name : Student Loans XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Department of Education 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Sections States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other items of adverse information, other than records of convictions of crime which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not 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: Account status incorrect

The accounts are still reporting inaccurate on my report which needs an immediate action. I have sent letters to the Credit Bureau but still no response was ever received from them. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law. Below are the accounts that are still reporting on my report : Late/Open XXXX XXXX XXXX Balance {$340.00} XXXX  XXXX XXXX Balance {$7.00} XXXX XXXX XXXX Balance {$12.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$1500.00} Late/Closed XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} ChargeOff XXXX  XXXX Balance {$1200.00} Collection XXXX XXXX Balance {$310.00} XXXX XXXX Balance {$4100.00} XXXX XXXX XXXXXXXX XXXX XXXX {$43.00}
Complaint sub-issue: Reporting company used your report improperly

I contacted Americollect about reporting errors on my credit report XX/XX/XXXX. This account was challenged one year ago, and still, no notice of dispute, which is required, has been submitted. This account was also challenged and deleted from XXXX XX/XX/XXXX. 

Americollect responded by sending a copy of my medical procedure from the original creditor, which is a HIPAA violation. Americollect did not furnish written authorization from me to obtain my protected medical information.
Complaint sub-issue: Card opened as result of identity theft or fraud

I received a credit card statement ( with an XXXX purchase ) for a card I never applied for - - an XXXX XXXX card from Macys. 
I never received any Macys American Express credit card, not even any notifications of any application or credit approval.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I received an email that my information had been breached with Equifax XX/XX/2019. I clicked on the link in the email that was provided : https : //eligibility.equifaxbreachsettlement.com/en/eligibility to check my records. When I checked my last name and last 6 of social, I received this message : Based on the information you provided, our records indicate your personal information was impacted by this incident. My credit has been impacted with inquires and accounts I did not authorize and had any knowledge of. Equifax confirmed that during the data breach my personal information was exposed.
Complaint sub-issue: Information belongs to someone else

I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Complaint sub-issue: Didn't receive notice of right to dispute

Vance and Huffman LLC Have recently applied a collections account to my XXXX credit score. Vance and Huffman will not supply me with a copy of the contract I have signed. I am assuming it is because a contract does not exist. I believe this should be removed as I have not recieved any information from Vance and Huffman.
Complaint sub-issue: Reporting company used your report improperly

Equifax was negligent and allowed the leak of my personal information ( such as birthday, SSN, address, and more ) to an unknown amount of people. They waited weeks before alerting me that my info may have been leaked, and they did not take the necessary precautionary measures to prevent something like this from happening.
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Complaint sub-issue: Problem with personal statement of dispute

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022 XXXX
Complaint sub-issue: Sent card you never applied for

On Tuesday, XX/XX/19, we went to the US bank branch in XXXX, OR to open a new bank account and add 3 employees to a central credit card account. On XX/XX/19, we discovered that these accounts were opened as separate credit cards as opposed to sub cards of the central account. I immediately called US Bank to find out why this happened and to fix the problem. They told me that they could combine the cards back, but not until XXXX. They were not able to explain to me why this happened in the first place. The branch manager ( in XXXX ) was not able to find out why either. Today, XX/XX/19, the 3 employee cards would not work. When I called in to find out why, we were told that minimum payments needed to be made on the three cards and that it would take a day for those payments to post. This all stems from the main complaint that US Bank fraudulently opened these three cards as separate accounts instead of placing them in the central billing.
Complaint sub-issue: Account status incorrect

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 Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date XXXX : XX/XX/XXXX Balance Owed : {$100.00}
Complaint sub-issue: Their investigation did not fix an error on your report

YOU BROKE THE LAW!!! 


This letter is to inform you that I recently received a copy of my consumer report that your company publishes and after reviewing it, I found a number of items on my consumer report that are inaccurate. The accounts in questioned are listed below. Please send me copies of the documents that you have in your files as of this date that you used to alleged verify the accuracy of the accounts listed on my Consumer Report.

Under the Fair Credit Reporting Act, 15 U.S.C. *1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my consumer report file. Please do not respond to my request by saying that these accounts have been verified, because I do not have the documentation that you claim to have used to verify the accuracy of the accounts in question. Send me copies of the documents that contains my hand written signature acknowledging the below listed accounts. If you do not have any documentation in your files of these now disputed accounts, then you need to delete them immediately as required under section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my consumer report and distributing them to third parties you are damaging my reputation and credit worthiness. You are furnishing consumer information on an account where you infringed upon my rights pertaining to privacy. According to 15USC 1681 the Transaction was private and was solely between the person and myself.

Under the FCRA 15 U.S.C*1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you will remove these accounts from my consumer report. 
You need to provide me with a copy of an updated and corrected copy of my consumer report showing these items were removed, I demand the following remove all the credit inquires not attached to verified accounts. I did not authorize anyone to run my credit.

According to Burden of Proof Under the Fair Credit Reporting Act, 15 U.S.C.1681e ( b ) ) requires that a credit reporting agency follow " reasonable procedures '' to ensure maximum accuracy in credit reports. It is a matter of National security when a consumer who is apart of the Country 's XXXX XXXX  privacy is violated and or breached.
Complaint sub-issue: Reporting company used your report improperly

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Account status incorrect

XXXX XXXX has sold an account to XXXX XXXX XXXX. XXXX XXXX has been indemnified and in addition to this XXXX, XXXX XXXX continue to claim to be representng them. The information is inaccurately being reported on Equifax. XXXX and XXXX have removed this inaccurately reported information. XXXX XXXX needs to be fined along with Equifax regarding this matter. Several complaints have been filed regarding the matter and it will continue until these shady people stop putting wrong information on my credit report. This item was removed from my credit and they keep reporting it again. Now Equifax is not reporting it on my credit report for me to see it and dispute it with them directly, but when a lender pulls the credit XXXX XXXX XXXX is coming up as derogatory reporting. They claim they are reporting for XXXX XXXX which was removed 2 years ago from my credit report and XXXX XXXX XXXX is reporting it again. This is a clear violation of the Fair Debt and Collection Act to rereport information under a different name as if its a new account after it was already removed
Complaint sub-issue: Debt is not yours

On XX/XX/20 i checked my credit report and saw a debt that i have no knowledge of.Hunter Warfield is trying to collect a debt that i never signed a contract with them nor have i entered into any written verbal or electronic agreements with.
Complaint sub-issue: Debt was paid

The debt was paid and they promised to remove it from my report but its still showing on my report.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Per my rights under the FCRA, please provide the contact information for the third-party vendor that supplied you with this errant information, since my court does not have a subscription to your credit bureau.
Complaint sub-issue: Debt is not yours

In XXXX of XXXX  I was told that I had 60 days to vacate my apartment at the end of my lease for reasons not known to me. I had applied for rental assistance due to having hours cut and eventually laid off during the pandemic. My lease was supposed to be up in XXXX but the rental assistance paid up through XXXX. Instead of notifying me of the extra payment the apartment complex owned by XXXX XXXX XXXX took the extra month 's rent ( paid up several months in advance ) and told me I had to leave. During the process of moving out the staff at XXXX XXXX in XXXX Oklahoma continuously harassed me telling me to get out and even consulting my boyfriend at the time who was not on my lease about how they were going to get me for my credit because I supposedly owed them a {$75.00} late fee, which would have been included in my rental assistance that was paid up for several months. I left XX/XX/XXXX like they told me to but they still charged me for XXXX rent and filed an eviction on XX/XX/2021. I did not live at that residence and I was unaware of the filing but I called the courthouse and sent them copies of my new and old lease. The case was dismissed and no eviction was ruled in their favor. Some months later they filed with Hunter Warfield collection agency. The charges they included were eviction fees which were fraudulent, XXXX rent which was also fraudulent, damages to the property that I had already told them about when I moved in such as holes in the countertop and a dog chewing on the window sill. They charged me for keys that I put in the night drop box when I left, they charged me for a missing shower head that was under the sink, damages that I had complained about and they did not fix, etc. I filed a dispute about this account being fraudulent and it was removed from my credit report. Now Hunter Warfield has somehow reapplied it to my credit and when I disputed it again they just increased the balance by a dollar. I will not be held responsible for illegal charges just because this greedy, unscrupulous and harassing apartment complex has access to my information. I intend to sue both of them if it isn't removed permanently.