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

My girlfriend and I broke up, she didn't take it too well so she started tripping out and called the police, the police told me I had to leave, she would not give me any of my possessions ( my wallet which contained my debit card, social security card, etc ) my social security money is deposited on the XXXX of every month at XXXX, my wallet was in her possession from XX/XX/2022 to the evening of XX/XX/2022, there were 2 withdrawals on XX/XX/2022 the first withdrawal occurred at approximately XXXXXXXX XXXX and was followed by a second withdrawal at XXXX XXXX. I have not ever nor will I ever give anyone consent to use my card, I called my bank which is " direct express '' and I made a report, I repeatedly told them that I have not given anyone permission to use my card and that I wanted the money that was stolen to be reimbursed and for legal action to be taken on her for stealing it, they denied it and told me I gave her consent to use my card, which again I have not and will not ever consent to someone using my card. They denied my claim and told me that I gave her permission, so direct express has failed to do a proper investigation of my claim and are denying the reimbursement, I have paperwork, evidence, and I've filed police reports and I hand wrote a statement as well, my rent is due towards the end of this month and I have not been able to get food either, I intend to file a lawsuit against direct express bc due to their inability to do the job that they were hired for and it has caused a variety of issues for my quality of life, I did research and everything I read said I needed to file a complaint through this site, please help me obtain the justice that direct express wrongly denied me of.
Complaint sub-issue: Account information incorrect

XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Re : Account # XXXX XXXX XXXX : My name is XXXX XXXX. Today I went to the location in XXXX on XXXX XXXX where I have been making my business loan payments since XX/XX/XXXX and found out that half of the payments that I have been making since XXXX have not been credited to my account. I have enclosed the statement from the branch and emails between myself and the law firm. In addition, I pulled my credit report today and found out that XXXX XXXX shows my account as being {$9000.00} past due with a balance of {$17000.00}. This information is incorrect. 

I have been making payments on my account since XXXX at XXXX XXXX branches. Paying this loan with my business closed and unemployed for most of XXXX and XXXX was extremely difficult, but I did. As a small food company, I was hit hard by XXXX. XXXX XXXX provided me with XXXX previous business loans that I repaid early. However, I struggled to repay the third loan due to a horrible experience with a XXXX XXXX manufacturer, causing me to lose a large order to a major store. 

I would like to speak with someone at a branch who will correct my account, find and apply the missing payments, clarify why the interest rate is almost 10 %, and correct the inaccurate information to the credit bureaus, correct my credit report, and remove the returned check fees for payments that the XXXX branch on XXXX XXXX lied and told me they never received. I disagree with a judgement ever being placed upon me ; It was malicious and cruel and not necessary to punish me so severely financially after I had made successful early payments on XXXX previous business loans. This was especially cruel that it was done in XXXX. 

Yesterday I spoke with XXXX XXXX in Collections who I do no trust or believe will take this matter seriously. Therefore, I am writing to you and asking that someone else assist me. 

Respectfully, XXXX XXXX
Complaint sub-issue: Account information incorrect

Equifax is furnishing inaccurate accounts in an attempt to coerce me to pay on them. The accounts have not been validated by the consumer and no attempts were made by Equifax to verify the information as they are obligated to by the FDCPA. Multiple attempts were made to resolve this issue, the most recent being XX/XX/2021.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I DID NOT AUTHORIZE OR NOR CONSENT TO THE FOLLOWING INQUIRIES BEING FURNISHED ON MY CONSUMER REPORTS! 
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: Account status incorrect

Remove any late payments change statue to current due to the cares act
Complaint sub-issue: Reporting company used your report improperly

My name is XXXX XXXX I will start off by stating the facts and what happened, my son went to purchase a truck, the truck he already had was in my name since I had worked on my credit and gotten it up to a descent score. My son however and I thought he was listed on that truck because he was making all the payments so we thought he was building he credit to, but he was n't, anyway he went to XXXX XXXX  XXXX and they talked him into buying a truck and trading that one in, since it was in my name they needed me to sign off on it which I had no problem. Then I was told that I needed to be a Co-signer on the new truck and my credit was already ran and they had all the paperwork on hand they only used one bank which was XXXX and I said okay I have no problem, only to see my credit report after I sent a picture of my ID through my phone with over seventeen banks ran my credit in one day '' '' I was Floored '' I talked with the manager there and was told that it was a new salesperson that did n't know what he was doing and he was trying to get me the best rate, I told him I had already spoken to someone that told me that all that was already handled and all I needed to do was send my driver license and they could have my son bring the papers down everything was taken care of and my credit was only ran once through one bank XXXX. This was a bunch of XXXX  because I was notified that it was ran seventeen times in one XXXX day bringing my score down after I worked so hard paying my bills on time and to have all my hard work crunched in a matter of minutes I just do n't see how they can get away with this.
Complaint sub-issue: Account information incorrect

In XX/XX/2018 I looked into qualifying for a mortgage and my credit was pulled by Factual Data on XX/XX/2018, this was a hard inquiry On XX/XX/XXXX .. 11day later I inquired with a competitive company, XXXX who used Equifax Mort and another hard hit was made against my credit report.

My understanding is the inquiries for the same purpose, like a mortgage inquiry, that are 14 to 45 days apart should NOT be treated separately, I should not have that second hard inquiry listed on my report. 

I contacted XXXX XXXX to complain and got the run around ... twice.
Complaint sub-issue: Was not notified of investigation status or results

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES LAST XX/XX/2021 IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 46 DAYS. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Complaint sub-issue: Personal information incorrect

ON XX/XX/2023 I was made aware Someone made credit accounts in my name with creditors I did not authorize. Now I will attach a police report, FTC report, my old ID with renewal paper, and a phone bill that has my current address. every other address reporting is incorrect and needs to be deleted along with every fraud account I'm reporting. Per the XXXX  you have XXXX  days to delete these accounts. I will pursue legal litigation if needed to fix this issue of fraud. Please see attached documents with accounts and numbers that need to be deleted.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GEORGIA XXXX XXXX CONCERNING CONSUMER NUMBER XXXX CASE NUMBER XXXX To Whom It May Concern In summation. Hidden within this report that was sent to me for evaluation XX/XX/2018 there are many inaccuracies concerning this report summation - None of which have anything to do with my personage, my social, or who I actually am. For one You received my Identification and Social Security Verification Number. Secondly My Social Security Number is not XXXX XXXX XXXX. My Name is not XXXX XXXX XXXX XXXX XXXX XXXX. My Name is Not XXXX XXXX XXXX. There are numerous an inexcusable accounts of negligent information on my report. So many in fact for so many years, that I will retain the services of a Consumer Attorney, to seek out not only legal remedies, but Legitimate Legal Damages to my person. Defamation of my Character, as well as Financial Injury. DO not play games with me. I am an adult. And despite your presume Accuracy you have left a clear and open path towards your own litigation for Civil Damages. I will in fact make you the next Information gathering Corporation holding my private information to be exposed for the inaccuracies on this 230 page report of lies. You will be held accountable for what you say is in your own words We are Unable to determine what you are disputing. You have mired my PRIVATE INFORMATION that you claim to PROTECT with other peoples information. In effect Not protecting me at all. Exhibits A thru all highlighted pages of the very document you claimed was Protecting my privacy thru all of the highlighted pages found in my report is riddled with INACCURACIES AND INFORMATION THAT HAS NOTHING AT ALL TO DO WITH ME. Unverified information that was given to you via computer that was reported to your organization. Then Added to my Report. The information reported caused my Financial Harm, Damaged my  Reputation as well as misled creditors to the point of me not being able to purchase a home to live in.This information slaved to my reports, caused me not to be able to afford a home of my own - a place to lay not only my head down yet my children as well FOR DECADES! 
I will make it a point to show the courts Federal & State that YOU did not check any of your facts, paperwork or verify any signature of mine to any DEED, Address or place of Residence. That by refusing to delete that incorrect and inaccurate information of my reports, without first hand verification did not delete that information, Social Security Numbers, Addresses, Phone Numbers and housing from my report. In effect at the moment of receipt of this let I will formally be reporting your actions to the CFPB. Let this be a formal declaration of my standing as a HUMAN against you as an ENTITY Discriminating against me. 
Sincerely, XXXX XXXX
Complaint sub-issue: Personal information incorrect

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the other furnished Lexis Nexis,  XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply. My name is XXXX XXXX XXXX Please delete any other versions of my name. My current and only address is XXXX XXXX XXXX XXXX, OH XXXX. 
The following addresses are not mine please delete them they are not accurate : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX  CT, XXXX, OH XXXX XXXX XXXX XXXX  CT, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have phone number that are not mines please delete they are not mines : ( 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 with personal statement of dispute

Equifax and XXXX reported to my credit report without the following: hippa release form with my signature, who verified it, how they verified it, how they store their data, did they get the data from the original collector, proof of statue of limitations, the collectors right to collect in my state, license registered agent or agent of service on it from collection agencies(XXXX XXXX XXXX,  XXXX)   have sent several rounds of letters disputes to Equifax and XXXX they have repeatedly failed to delete these unverified accounts. These unverified accounts they have on file has hurt my ability to obtain credit. Under the FCRA, these unverified accounts must be removed immediately.Attached are responses from the collection agencies showing clearly a HIPPA Violation. They should not possess my medical info unless 100% verified of everything i've repeatedly asked for.XXXX XXXX XXXX  sent me a letter, and in the envelope there was a form with my signature on it with no letter head showing it came from the original furnisher. they are clearly violating my rights.Also attached documents from XXXX showing these same accounts deleted.
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX and my identity was stolen. I submitted my police reports to Equifax and they only processed one and told me to resubmit my unprocessed report. It has already been past five days. All fraudulent accounts should have been removed already!
Complaint sub-issue: Account information incorrect

it has been 45 or longer days since ive heard from the bureaus about my credit report. i have been trying to reach them but no one gives me a result on my dispute response.
Complaint sub-issue: Information belongs to someone else

I have a   XXXX   and for some reason when you run my credit, all of my  XXXX  information comes up. Things such as her being in the  XXXX , her places of residence, and car loans she has taken out.
Complaint sub-issue: Problem getting your free annual credit report

Equifax refuse to send my free annual credit report. i filed a complaint with CFPB case # XXXX they answered this stating I must send proof of documents driver 's license etc. I sent this to them already. 
WHY ARE WE GOING IN CIRCLES?? DID THEY LOSS MY PERSONAL INFORMATION!! 

WHERE IS MY FREE ANNUAL CREDIT REPORT. THAT IS WHAT I'M ASKING FOR AND MY CREDIT SCORE. WHAT IS SO HARD. 

I SENT IN MY REQUEST WITH ALL REQUIRED DOCUMENTS. pLEASE MAIL TO MY MAILING ADDRESS. YOUR VIOLATING MY RIGHTS.
Complaint sub-issue: Didn't receive enough information to verify debt

A debt verification letter was mailed to Amerifinacial solutions. In turn they mailed a bill which contained a diagnosis code of my visit. I did not authorize amerisolutions to obtain my health information and thus is said to be a HIPPA violation.
Complaint sub-issue: Confusing or missing disclosures

Citi Bank Cash Bonus issue for Opening Account This complaint is for the Citi Bank bonus offer for new checking account. Citi Bank claimed to offer XXXX XXXX  and XXXX bonus based on the deposit amount for the new account opening but has discriminatory terms for online account for which only give 20 days to fund the account but 30 days for customers open account in person.

My husband and I both opened Citi Priority account online and I called account opening team to make sure our accounts are in good standing and someone can be our banker/contact point, the number I called was XXXX, the account opening team ( option 1 ) confirmed with me {$700.00} bonus for deposit XXXX or more, and it was 30 days ( rather than 20 days ) to fund the account, as long as XXXX were all in before XX/XX/XXXX we would receive {$700.00} each. When the bonus is {$400.00} short I was so confused but informed by customer service team that Citi actually use 20 days to determine the deposit amount, and my fund was not XXXX yet on the 21st day, that's why the bonus is {$400.00} short. Because Citi discriminate online customers and use shorter period than branch customers, and people who answer phone calls didn't know this information, the mis-informed person told me the wrong date which costed me lost {$400.00} bonus and my husband lost total of {$700.00}. Both of us deposited over 100k into Citi for over 4 months and Citi didn't even apologize for the wrong information given but blamed us for not reading the terms and conditions. 

I tried to call several times, each time is more than 30 minutes wait, and customer service team hang up a few times without answer.
Complaint sub-issue: Other problem getting your report or credit score

On XX/XX/XXXX, I tried to unfreeze my Equifax account to apply for a new credit card. I was unable to create a myEquifax account to do this, as it told me I entered the verification questions incorrectly. All verification questions had nothing to do with me ( including asking about a car loan when I've never had a car payment in my life ). I called Equifax and was told to mail in a copy of my social security card and drivers license to Equifax Security Freeze Department ( I mean seriously, do they want my identity stolen? ). When I tried getting my free credit report to at least make sure someone hadn't stolen my identity, I ran into the same problem and was again asked about car loans in the verification questions. 

XXXX and XXXX  credit reports were normal, so I'm hoping I don't have a problem with my credit with Equifax. But I mean seriously, it should be illegal for them to be so incompetent. Now I have to mail in sensitive information and I can't figure out why. I haven't contacted Equifax since I froze my account in XXXX ( which, incidentally, was done BECAUSE of them in the first place ). I can't apply for the credit I need now. And my identity might be stolen, who knows? Not Equifax, probably.
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. 


XXXX XXXX  XXXX : # XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, AFFIRM 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Debt was result of identity theft

Hey I had fraudulent account such as this bankruptcy reporting. I sent in reports for this matter and its been 30 days and no results. By law in 30 days you have to remove these items.
Complaint sub-issue: Reporting company used your report improperly

I guess I MAY Have been impacted by the Equifax security breach. however, on their website, they do n't directly tell you if you actually have, it just says you may have been affected. so I sign up for their free credit monitoring program, but I get no information on that either. if 's not very informative when they just gave away so much of my info and do n't provide me with any info to try to help keep myself and my husband safe from future problems.
Complaint sub-issue: Didn't receive advertised or promotional terms

On XX/XX/XXXX I made a purchase of {$200.00} at Best Buy to take part in an offer from Citi merchant offers that I enrolled my Citi Simplicity card in. The offer was spend {$200.00} or more at Best Buy and earn {$50.00} and it expired on XX/XX/XXXX. I did not get automatically credit for it so I chatted with a Citi rep on XX/XX/XXXX and was assured that if it does not automatically credit by XXXX statement it would be manually credited by them. I've contacted citi multiple times afterwards through chat and through phone and in all attempts I was given the impression they had no idea what this off is and has ignored my attempt to send in a screenshot of that chat with the Citi rep I had to attempt to figure it out. Therefore I am attaching that screenshot as well as the screenshot of the offer and purchase so they can rightfully credit my account.
Complaint sub-issue: Their investigation did not fix an error on your report

i have tried to fix this issues, it still has not been fixed by Equifax there is still XXXX inquiries on my credit report, this issues has not been. resolved i check my credit every day, i have a XXXX XXXX XXXX XXXX XXXX on my report the date of that inquiry is XXXX/XXXX/2020 i dont recognize, please remove all XXXX inquiries they still show on my report, this problem needs to resolved i found these inquiries today d still showing, so pleasse update my report after taking these inquiries off my report, DO NOT PUT NO FRAUD ALERT ON MY REPORT WITH OUT MY EXPRESS permission, I WILL continue FILE COMPLAINTS UNTIL THIS ISSUE IS RESOLVED AND FIXED BY EQUIFAX, i will attach the screen shots to show there still on my credit report.
Complaint sub-issue: Investigation took too long

I sent a certified letter to XXXX, and Equifax disputing inaccurate information on my report. All XXXX agencies received the letters as I have copies of the return receipts from USPS. Equifax and XXXX have not responded to my dispute which was mailed on XXXX XXXX, 2016. It has now been 56 days since I sent the letters.
Complaint sub-issue: Their investigation did not fix an error on your report

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX party involved. Please review the uploaded letters.