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/2021 I attempted to log into my unemployment card ( KeyLink ) account. I was denied access and couldn't change my username, password or pin number. I called the number on the back of my card and she stated that someone changed my pin on XX/XX/2021 and there were 13 fraudulent charges between XX/XX/2021 and XX/XX/2021. They totaled {$6300.00}. Someone was using a web transfer and transferred money to another account everyday for 2 weeks. There were 11 fraudulent charges at {$500.00} each, 1 fraudulent charge of {$490.00} and 1 more fraudulent charge of {$300.00}. The company has denied my claim stating that no errors have occurred. They won't give me any detailed information regarding where this money went other than it was a web transfer to another account. I received a letter Bank Card Services PrePaid Debit Disputes with a routing number and the last for digits of an account number they claim is linked to the cardholder, which I assume is me. Again no further details. Please help me recover this money as I haven't worked in over a year due to the pandemic and really needed that money to help provide for my family. Today, XX/XX/2021 I sent Bank Card Services PrePaid Debit Disputes a fax with a hand written statement explaining what was going on and to please re-review/reopen the claim considering I never authorized these 13 transactions over a 14 day period. I've never authorized any funds to be transferred to another account.
Complaint sub-issue: Received unsolicited financial product or insurance offers after opting out

On XX/XX/XXXX I paid my credit card balance and closed my account with Citi by phone. 
On XX/XX/XXXX, Citi added charges to the allegedly closed account. 
On XX/XX/XXXX I received an email stating I had a balance dueon the allegedly closed account. 
I contacted them by phone on XX/XX/XXXX, and representative XXXX XXXX said the charges would be removed and the account archived, and I would not hear from Citi again. 
On XX/XX/XXXX I received a letter confirming the charges on the account had been removed. 
On XXXX XXXX I received and email saying I could examine the allegedly closed account online and make a payment. 

I made a complaint here on XX/XX/XXXX, after which I received another letter from them, claiming charges made after the account was closed were waved and that I would receive a " refund check '' of money they do not owe me. No payment has arrived, but I am not looking for that. 

Today XX/XX/XXXX I received another letter from them claiming my account was closed, charges waived and payment sent to me ( it has not come ). They also reminded me that they will NEVER remove my records from their database, after I asked they do so by phone and in my complaint. 

Not sure how I make the bureau and the bank understand ; I do not EVER want to be contacted by them again, nor do I have any interest in doing business with them again, ever. Further, I do not want my information in their records so they may suddenly decide again that I owe them money, after my account was supposedly closed. How do I rid myself of this bank?
Complaint sub-issue: Confusing or misleading advertising about the credit card

While in the process of purchasing an airline ticket on XXXX XXXX, an offer from Citibank appeared stating that I could apply instantly for a AA Rewards card with a {$250.00} credit and 40,000 rewards miles. It stated, " Don't worry, you will be able to continue your ticket purchase using the new card. '' In reality, a week went by before I was phoned and given approval and told that I could not use the card until I received it by mail in two weeks. I contacted customer service and asked if they could a ) provide the number and expiration date so I could use the card b ) allow me to temporarily purchase the ticket with my other Citibank card and then switch the payment or c ) expedite my receiving the card by sending it overnight. I was advised that no one knows my card number or can convey it to me, and no expedited mailing is possible. The ticket I planned to purchase will increase in price if I wait two weeks to buy it. Citibank offered no resolution after I suggested the solutions I would have accepted as a resolution to this.
Complaint sub-issue: Attempted to collect wrong amount

- I purchased 1 laptop in XX/XX/XXXX - XX/XX/XXXX the laptop was damaged turned into a repair center : XXXX I had Full replacement insurance - Conns Issued me a replacement Laptop with my full warranty - Conns reported on my Credit that I possessed 2 laptops and charged me for 2 laptops with 2 contracts - since XX/XX/XXXX I have been fighting to get the other laptop that is in possession of conns off my credit report and Conns has refused too - Conns lied and added an additional contract, which I did not agree to to another contract. I have all paperwork and contracts. 
- Both Contracts have the same exact product on each contract with the same unit, and charged me for 2 laptops - To this day, Conns has not settled the matter.

- I was sent collections settlements for 2 laptops that I do not have possession, but conns has the laptops at their repair center, which were never returned to me, but I have a contract -
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 protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The following have violated my rights ; XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX aacount # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX account # XXXX XXXX, XXXX account # XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX5 USC 1681 SECTION 602A-States that I have a right to privacy 15 USC 1681 SECTION 604A - It also states that a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c. ( a ) ( 5 ) - States no consumer reporting agency may make a consumer report containing any of the following items of information ; any adverse items of information other than records of convictions for crimes which antedates the report of more than seven years 15 USC 1681 s-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: Information belongs to someone else

After viewing my credit report I found inaccurate information in my credit report, As per the FCRA I have the right to fixed my report because I've found error in there.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX, I paid off my entire balance with XXXX XXXX. The payment of {$2600.00} was posted and my balance was changed to XXXX in XXXX, I looked at my credit report and it stated my balance was XXXX and I was past due. On XXXX, XX/XX/XXXX, XXXX, XXXX, I have submitted disputes online with Equifax and uploaded bank statements showing the account was paid, XXXX XXXX statements showing a XXXX   balance and a letter from XXXX XXXX stating the balance is XXXX  and closed in XX/XX/XXXX. All 4 disputes have come back stating XXXX XXXX is confirming the balance of XXXX as valid and past due. I have spoken with XXXX XXXX every time and they confirmed they report the true correct balance of XXXX  and last did so in XXXX. I have talked to Equifax 5 times including managers and they state there is no human that can read the uploaded documents and adjust my credit report. The bottom line is I paid the balance in full on XX/XX/XXXX and closed the account a few weeks later. Equifax has all the documents and refuses to help. They won't even let me speak to a manager today, literally hung up on me 3 times. I really need help, this debt is hurting my credit. Thank you.
Complaint sub-issue: Reporting company used your report improperly

Credit report was obtained without permissible purpose that is required by FCRA section 604. 
XXXX XXXX XXXX
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

I received an alert from a credit monitoring company I pay notifying me That XXXX XXXX had placed a derogatory account on my XXXX credit report XX/XX/XXXX, which in turn reduced my credit score significantly. 
I never received any written communication from XXXX XXXX, and never received any phone call from XXXX XXXX. I called XXXX XXXX XX/XX/XXXX and spoke with XXXX, who notified me this account was for " XXXX XXXX '' and was in my maiden name. My account with XXXX XXXX was closed in XXXX, I filed Chapter XXXX Bankruptcy in XXXX which was closed XX/XX/XXXX, and this debt was included with my bankruptcy case # XXXX. At some point in either XXXX or XXXX I was contacted by a XXXX XXXX regarding this debt and let them know at that time this debt was included in my bankruptcy and I was told that the collection company made an error and they would remove this account from their system. Here we are 8 years later and XXXX XXXX and XXXX XXXX are still trying to collect on a debt not owed. XXXX at XXXX XXXX said she would remove the reporting from my credit report and update my account with them, however the damage is already done to my credit score due to XXXX XXXX 's erroneous reporting. In addition their collection practices are inept, I was never notified about this debt prior to them reporting it to my credit, and never given the opportunity to dispute prior to XXXX reporting it to my credit.
Complaint sub-issue: Other problem getting your report or credit score

To Whom It May Concern, For some reason I am not appearing on any of the credit companies. I have been an authorized user on a few of my cousins accounts. I been using those cards building credit. But it never seems to show when I look up my credit score. 

I am hoping that they look deeply into this and see I have been making payments and doing what I need to do to build credit. 

I go back and fourth between my cousin 's house and mine and get mail at both but for some reason nothing shows. Was just on my XXXX XXXX account today. This has been going on a few months now.
Complaint sub-issue: Information belongs to someone else

Good evening, I am reaching out because I seen two incorrect reports on my motor vehicle report. Unfortunately my XXXX XXXX drives without a license and when she does get pulled over uses my name. At the time of both of those incidents I was working. I have been trying to work on getting my record clean and free of any reports made to it. I think its very unfair to me that I have these incidents on my report seeing as I wasnt the one that received them. I have points on my license for something that I did not do. Not once did the officer think to check her id because if they did they wouldve seen that she isnt me and not even close to. I just want to be able to remove those two because I did not in any form authorize for her to use my name, address, or lie on my license. Please help
Complaint sub-issue: Personal information incorrect

I have sent letters to correct my personal information. I have incorrect names address still reporting. I have sent my ID as proof of my name and address and they still have not corrected the information.
Complaint sub-issue: Threatened or suggested your credit would be damaged

XX/XX/XXXX XXXX {$1600.00} Mark off Law LLC//City of XXXX 15 U.S.C 1692c ( A ) without the prior consent of the consumer given directly to the debt collectors or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15U.S.C 1692b ( 4 ) not communicate by post card or mail 15 U.S.C 1692b ( 2 ) not state that such consumer owes any debt 15U.S.C 1692b ( 5 ) not to use any language or symbol on any envelope or in the contents of any communication effected by the mail or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of adebt
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Im having difficulties disputing with Equifax. I get the following screen ( see attached ). This has been a problem for 3 years and no one knows how to fix the issue. Yet continues to post false information on me.
Complaint sub-issue: Reporting company used your report improperly

I was informed on XXXX XXXX, 2017 that Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. In response, I placed an initial 90 day fraud alert on my file. When I visited the Equifax website to see if I had been affected, I was informed that they had reason to believe my information may have been compromised.
Complaint sub-issue: Debt is not yours

I received a list of charges from the payment cards industry ( PCI ). Ive already begun the dispute process, which boils down to a prorated amount of 5 days of overoccupancy, the corresponding fee, and the XXXX utilities and yes admin charges and fees. After several months of asking how these charges were calculated, I still have yet to receive the information for how the charge was even calculated. 

I moved between two XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX Because of the split time between the XXXX XXXX lease end date, and the park place move-in date, I requested that my move in date be adjusted as to not leave me homeless for a couple days. The XXXX office agreed to an adjusted date of XXXX XXXX XXXX 

I was initially told to pick up my new keys at the end of the business day on the XXXX, and return my old keys the morning of the XXXX. This meant I had to move 2 years ' worth of my items in the pitch dark. I informed their office this is unfair, and simply asked if I could move my items out first thing in the morning, which I was told was perfectly fine. 

I got a call the morning of the XXXX asking where my keys were. Obviously, there was an internal communication breakdown in the office for nobody was on the same page, and I was doing my best to work with the information I was given. I dropped off my current load of items and went straight to the office. There, I was told that they would not take my keys, because the items in the unit were not out yet. This was the first time I was given this information and was around noon on the XXXX. I politely apologized because I didn't know this and went back to my unit to complete moving out my items. 

By the time I was finished, the office was closed. I returned the next morning when the office opened and was told I had a charge of around XXXX dollars, with no explanation, and not justified by my lease. 

Although the verbal agreement between myself and XXXX explains the situation in full, any dispute will revert to the written agreement I have between XXXX and myself. Even then, I am still unable to find a justification for this charge in my lease. I have asked their office for it countless times over the past several months and have yet to receive this information. 

They are charging me for an event that didnt happen, and consistently lying about it. I need help protecting myself and my credit against this claim. XXXX is no longer responding to my requests, or taking any action to correct the situation.
Complaint sub-issue: Account status incorrect

Issue : Student loans by   XXXX   XXXX   XXXX   (   XXXX  ) are  being reported as deferred, part of Chapter  XXXX , and delinquent at the same time. I have talked to   XXXX   who have assured me that the student loans are not delinquent. Also my bankruptcy does not include student loans ( Chap. XXXX  ).     I last contacted credit bureaus in   XXXX   XXXX   about incorrectly reporting student loans. They sent me a reponse saying that the student loans were being reported correctly. Also contacted all bureaus multiple times during   XXXX   and  XXXX .
Complaint sub-issue: Was not notified of investigation status or results

On XXXX XXXX, 2021 I sent a letter regarding inaccurate and misleading items on my credit report. To this date over 45 days later I have yet to receive a response. I feel like my request is intentionally being ignored or the bureau is taking advantage of my credit situation. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has it is past their investigation time so these items should be deleted promptly. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. I demand these inquires be deleted immediately or I will file for litigation due to the stress this has caused me.
Complaint sub-issue: Other problem getting your report or credit score

On XX/XX/2018, my son applied for credit at XXXX XXXX # XXXX, XXXX XXXX XXXX   XXXX, XXXX, CA., XXXX which was done by XXXX at ( XXXX ) XXXX in which you reported my son had no credit score whatsoever with Equifax . Due to the fact that I didn't want to have him have a tire blow out while driving, he asked me to co-sign. I know for a fact that he has a better credit score than I do. So the problem Equifax caused was to put a hard inquiry on my credit report by co-signing when it wasn't necessary at all which you took 10 points off my credit score. By that time, I had a decrease in one of my credit cards for {$410.00}. You provided the wrong information to XXXX. When I co-signed, I went to XXXX in XXXX, CA. on XX/XX/18. My son has made a complaint with the CFPB also. He copied information off XXXX XXXX and provided it to the company to prove he actually had a credit score of XXXX minus 10 which brought it down to XXXX.
Complaint sub-issue: Debt was result of identity theft

I am a victim of identity theft. I recently learned that my personal information was used to open an account aXXXX XXXX  XXXX XXXX XXXX XXXX, and XXXX XXXX. I received a call from FMA Alliance trying to collect a debt for XXXX XXXX. I contacted the agencys to report the identity theft but I did not received any response. I was instructed to send the police report trough email, but they never responded. I have an identity theft reported, multiple accounts for utilities were opened under my name fraudulently. A police report was filed.
Complaint sub-issue: Information belongs to someone else

I have contacted XXXX XXXX XXXX numerous amounts of times to clear fraudulent accounts off my credit report and have not gotten anywhere. They told me to submit my request directly with the 3 major credit bureaus. I have sent in 3 valid identity theft and police reports and still nothing has been done.
Complaint sub-issue: Received bad information about your loan

I began XXXX  school at XXXX XXXX  in XX/XX/XXXX and recieved my first student loan. I began repayment of those loans after XXXX  in XXXX. I acquired more student loans beginning in the fall of XXXX when I went back to XXXX school at the XXXX XXXX XXXX. I graduated from that program in XX/XX/XXXX. 

I was contacted by a servicer after graduation, I assume because I was working for a XXXX My XXXX  is XXXX in XXXX XXXX. The person who I talked with told me that my loans will be forgiven in 10 years because I was a XXXX. I have since found out that is only true if you work for a XXXX He also assured me that it would not effect the 25 year discharge of loans I have been paying since my XXXX  from XXXX in XXXX. 

I have reached the 25 year discharge from my student loans taken while at XXXX. However, MyFedloan reported that my loans did not begin until XXXX, which does not reflect all the years I have been paying on the student loans.
Complaint sub-issue: Their investigation did not fix an error on your report

Hi on my credit report there are information regarding my mortgage which is showing missing or late payments at that time i was going through loan modification, Now that was past, modification is done, but late payments are still showing on my credit report and its hurting me a lot and it keep me getting a car loan or anther credit card
Complaint sub-issue: Problem during payment process

I was a with THE HOME DEPOT/CBNA customer since 2017 and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account XXXXXX/XX/XXXX Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Complaint sub-issue: Information belongs to someone else

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law.The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove this account completely from my Credit Reports : Equifax : XXXX XXXX XXXX : {$180.00}
Complaint sub-issue: Reporting company used your report improperly

I XXXX XXXX am submitting this complaint with no third party involvement. 

I submitted a complaint through the CFPB portal regarding Equifax violating serval of my rights as a consumer. 

Equifax is violation of 15 U.S Code 1681i ( 7 ) I, the consumer and affiant have the right to know the description of the method used to verify the information furnished on my consumer report.

Equifax is in violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) I have made Equifax aware that this information and accounts have not been verified and can not be accurate information. 

Equifax is still in violation of rights listed below : 15 USC 1681 ( 4 ) 15 USC 1681 ( b ) 15 USC 1681a ( 2 ) ( A ) ( i ) 15 USC 1681a ( 2 ) ( B ) 15 USC 1681a ( e ) 15 USC 1691 ( e ) 18 USC 1028A 18 USC 894 18 USC Chapter 96
Complaint sub-issue: Was not notified of investigation status or results

During the past few months, I have been trying to get the credit bureaus to remove inaccurate, unverified as well as unknown information that is being reported on my credit report. I get a all account are verified when I know for a fact that can not be true because the Date Last reported never updates. Even my name is spelled incorrectly as well as addresses. Per FCRA 611 ( a ) the credit bureaus have to investigate within 30 days and if not done, should remove all accounts that Are being disputed immediately. I havent heard back from them in over 62 days. This is unacceptable and I will seek litigation if these account are not removed from my consumer report. This is causing me great harm. I have submitted a copy of a credit report that is factual based errors that are highlighted which I havent received a response yet.