Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Seized/Attempted to seize property

Company garnished my bank account along with those that I was associated with even thought I was in a payment agreement with them and current on the payment agreement with no notice or attempt to renegotiate the agreement.
Complaint sub-issue: Account information incorrect

I called Discover about a ghost transaction that was not showing up on my credit card statement as Pending or Posted, but was showing a transaction on Discover 's end. The amount was for {$80.00} and so I spoke to XXXX from Utah Call Center at approximately XXXX on XXXX and I explained what happened after I got a declination from Discover. I informed her, that while I do keep track of my charges, I was not going to keep an XXXX spreadsheet of miscellaneous and unplanned charges due to the fact that it was a credit card and not a debit card. I have a Pdf for the CFPB if there is a way to upload the printed and scanned documents to show the discrepancies in the account balances. It was not an XXXX issue, as they will not ship the items until the billing was approved by a credit or debit instrument- it was and is Discover 's fault for the declination of {$61.00}, because as I said, I was not going to go through both systems to see which transactions were listed on each account when I know that XXXX will not ship an item unless the item was paid for using either method.
Complaint sub-issue: Their investigation did not fix an error on your report

After several requests, Certified letters, online complaints and long waiting : Please accept this as a PROCEDURAL REQUEST LETTER to verify a bankruptcy being reported on my Equifax credit report. I do not accept a third-party reporting service co-owned by Equifax. ( XXXX ) This is required under the FCRA section 605. Please advise how this item is verified as we have checked with the reporting court and they have no information from Equifax or anyone for that matter requesting verification. I have also requested in writing from the court to provide correspondence of same. I request Equifax to supply me a verification letter regarding this matter or remove the reporting from my credit report immediately. 


Also according to the Fair Credit Reporting Act ( FCRA ) a Chapter XXXX bankruptcy can remain on your credit history for up to 10-years from the filing date. For a Chapter XXXX bankruptcy, the maximum is seven years, like most other negative items. There are some key phrases in that statement that need to be clarified : 1. " Can '' - The FCRA does not require that a bankruptcy remains on your credit report a full decade.

2. " Up to '' - Again, 10 years is not a legal minimum, it is the maximum. So, legally, bankruptcy can be removed from a credit report before that limit is reached. 


Upon providing this information to you I am requesting that the bankruptcy be removed immediately due to unverifiable proof and that under the FCRA this item can be removed prior to the maximum time limit. I am also forwarding a copy of this request to my attorney XXXX XXXX XXXX to which you have on file. 




Please correct this matter immediately and provide me an updated credit report.
Complaint sub-issue: Information belongs to someone else

There are currently 3 accounts showing on my credit report that I have never opened. I am a victim of id thief I have a police and a ftc report on file with these companies yet they are still reporting inaccurate data about me
Complaint sub-issue: Information belongs to someone else

Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
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: Deposits and withdrawals

My friend wrote me a check from XXXX XXXX  with {$1100.00} on XXXX. He forgot to write my name on the check. I deposit the check into Citibank on XXXX XXXX. Citibank hold the money and refused to send the money back to XXXX. I called to Citibank multiple times. They insisted to say if I want the money back to my friend, XXXX needs to claim a file on that. While XXXX said the money had been charged by Citibank. They couldn't do nothing on this. So the money is hold on Citibank and I can't get my money back to my friend 's account.
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as equifax 's XXXX  date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt is not mine

We have had d2 management call twice and attempt to collect debt from my wife that she has never had. The company claims the credit card was started through a XXXX XXXX XXXX, a XXXX card they stated was opened on XX/XX/XXXX and closed the following year, claiming " she made payments on the account from her bank ''. The first call stated she owed {$550.00}. Thinking this was from a recent store card she had opened in XX/XX/XXXX, she called the store credit card directly and verified that there was no balance on the card ( this is the first credit card she has ever opened, only ever having a debit card ). She called the collection agency back. When she refused to set up a payment plan, she was connected to the manager who stated she owed {$350.00}. They listed off her previous residence, gave her maiden name, and the manager even listed off her social security number in full, without verification, to me ( her husband ). They made statements that credit cards do n't always report to credit reports or that it might not show up on a credit report since it had been 8 years. They were adamant that there was no possible fraud involved on the account. They were each extremely pushy and would not listen to what we said, would not reveal their client ( seeing as this bank was bought out by XXXX XXXX and no longer exists ), said only that they were a collection agency and insisted that my wife had opened this account. She has never been contacted by XXXX XXXX. This is the first time we have heard anything on this " debt ''. We have checked credit scores multiple times in the past eight years and have not seen any sign of fault or no payment pertaining to any credit card. They were threatening that they would report us to the IRS as a XXXX unreported income. No current information was provided by my wife or myself to the debt collection agency on either of these calls as to current address, last name, or any bank account information. They called from ( XXXX ) XXXX which is a XXXX area code but stated they were calling from XXXX, that the local number was for phone numbers that do not have long distance service or only have a pay-as-you-go phone. They stated multiple times the legal disclaimer that they were seeking to collect on debt and that anything we said could be used to that means, that everything we said would be recorded for customer service and training purposes even using this to keep us from speaking.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In conjunction of my previous dispute regarding fraudulent accounts appearing my credit report. XXXX  never addressed the number of fraudulent inquiries listed on my credit report : 1. XXXX XXXX XX/XX/XXXX 2. XXXX  XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX  XXXX  XXXX ( Original Creditor : XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  ) XXXX XXXX  ( Original Creditor : XXXX  XXXX  XXXX  M XXXX XXXX  ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Complaint sub-issue: Information belongs to someone else

THERE ARE ACCOUNTS ON MY CREDIT THAT DO NOT BELONG TO ME. I RECENTLY LOST MY DRIVERS LICENSE AND NOW I AM SEEING THESE FRAUDLENT ACCOUNTS ON MY CREDTI PROFILE. I DID NOT OPEN NOR AUTHORIZE XXXX OF THESE ACCOUNTS OR INQUIRIES. PLEASE REMOVE THEM FROM MY CREDIT.
Complaint sub-issue: Problem using a debit or ATM card

On or around XX/XX/21 the balance of my checking account was stolen and fraudulently spent at an online casino despite my attempts to contact the bank and the casino and report the activity while it was still in the pending stage. Despite my reports that the pending charges were fraudulent the bank released the funds to the casino whom never bother to respond to any of my attempts to co tact them/. 

Afterwards, the bank ignored my efforts to report the fraud claiming that the complaint of fraud that was uploaded were not properly submitted, unreadable, cant the case was not opened despite my habdwtitten complaint mailed to their office. From there I would be places on lengthy holds ranging From hours and told that supervisors were not avalibke to take my calls. Call backs were never followed through on their part and any attempt to contact them further is met with a low level employee stating that there are No supervisors to take my call. 

Subsequently the investigation from around the same time against another vendor was found in my favor and the bank sent correspondence to tell me my phones have been placed back into my account which had been close months prior. All further contact with the bank was always met with supervisors being busy long wait times being hung up on, and. General disdain. On XX/XX/XXXX I was on hold a total of more than three hours told that there were no supervisors available to take my call that they were on our phone calls and one would call me back however on XXXX the XXXX The promised callback never happened the bank never contacted me so I called them it was placed again on a link the whole time exceeding over 5? hours refusing to hang up and the call disconnected through an employee that would not furnish her name.
Complaint sub-issue: Investigation took more than 30 days

I have been sending documents to the Equifax since XXXX, asking to delete a fraudulent account ( XXXX XXXX/ XXXX XXXX  ) that should not be on my credit report and all they been replying is that the documents I sent did not look like it was sent by me, however, with those same documents they received from they were able to verify my identity to delete other incorrect items on my report. It has been well over 60 days and they have not respond this time.
Complaint sub-issue: Investigation took too long

Equifax continuously and willfully is violating the Fair Credit Reporting Act and has caused MAJOR willful financial harm. 
They repeatedly have been notified of an erroneous tax lien reporting on my credit file and they refuse to follow the Fair Credit Reporting Act. All their compliance department and their legal department do is simply use their XXXX system to verify information without actually doing their due diligence and actually investigate. 

Additionally, on XXXX/XXXX/2016, after they knew they were erroneously reporting a tax lien belonging to someone else with the similar name, I still proceeded to file another investigation by phone on XXXX/XXXX/2016. The confirmation number of this transaction is # XXXX. I requested for the erroneous tax lien to be yet again reinvestigated. We are now XXXX XXXX, 2016 and Equifax has YET TO FURNISH RESULTS. They had by law 30 calendar days to furnish results and they have failed and yet the erroneous tax lien still is on my credit report. 
Additionally, so I can consistently and continuously catch Equifax, I purposely filed an ADDITIONAL investigation online on XXXX/XXXX/2016 with confirmation number XXXX, although the first investigation which commenced on XXXX/XXXX/16 was not complete and still showing on my credit report. In this second investigation, they again have passed their allotted time of 30 days to furnish results of the investigation. 

As of XXXX XXXX, 2016, they are over 100 days and counting of my first request for an investigation with still no results and also over 15 days on my 2nd and last request. Again, a complete and deliberate violation of the Fair Credit Reporting Act. 

Additionally, on XXXX XXXX, 2016, I furnish all info to both the XXXX and XXXX State Attorney 's offices so they can conduct their own investigation. On XXXX XXXX, 2016, I hired a private law firm out of XXXX who is giving Equifax 10 additional days before filing both state and a federal suit against them for willful financial harm. 

Sadly, I can not fathom a company like Equifax continuously violating the law. They are getting to the point of being worse than XXXX XXXX and yet they seem to escape any serious consequence. 

I simply do not want yet " ANOTHER INVESTIGATION '' or wait " ANOTHER HOUR '' of their complete lack of responsibility and their complete violation of the Fair Credit Reporting Act. 

They need to now remove and delete this erroneous tax lien immediately without question. If they do not, they will be answering specifically to my attorney and law firm I have hired after they have been sued in both federal and state law. 

XXXX XXXX XXXX
Complaint sub-issue: Other problem

I am well under the knowledge that payment is overdue for this particular card. It is unfortunate that we had other bills that needed taken care of first or risk potential eviction from our living situation. 

The initial charge was for the max limit of {$1000.00} on XX/XX/2022. The payment was processed and then repayment calculated for {$29.00} a month due every XXXX. We missed the initial payment due to job status as well as other bills, and have yet to be late for XXXX ( it is currently XX/XX/2022 as of writing this ). The current payment sits at {$69.00} with the {$40.00} late fee that CitiBank charges for the best buy credit card. We are normally quite prompt with payment, and have been trying to figure out our finances and other bills to get this paid. The purchase was not made without great apprehension in the first place, as it was for a phone that needed replaced. We had little to no choice, as repairs on the old phone would be just as, if not more expensive and take too much time, as the phone was needed by the next day for job purposes. 

Since XX/XX/XXXX, CitiBank has called me XXXX to XXXX times a day, leaving a message only once. They call from the same number, and I recognize it in my call logs. They even call outside of normal business operating hours, including on XXXX and XXXX. 

All times are in Eastern Standard XX/XX/XXXX : XXXX and XXXX XX/XX/XXXX : XXXX and XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX, XXXX, XXXX XX/XX/XXXX : XXXX ( XXXX somehow ), XXXX, XXXX XX/XX/XXXX : XXXX and XXXX XX/XX/XXXX : XXXX, XXXX, XXXX XX/XX/XXXX : XXXX, XXXX, XXXX XX/XX/XXXX : XXXX, XXXX, XXXX XX/XX/XXXX : XXXX, XXXX, XXXX XX/XX/XXXX : XXXX, XXXX, XXXX XX/XX/XXXX : XXXX, XXXX, XXXX XX/XX/XXXX : XXXX and XXXX
Complaint sub-issue: Account status

BK discharge of 2014 should have removed all items discharged. My mortgage and XXXX odd credit cards are still showing on my report
Complaint sub-issue: Old information reappears or never goes away

I have tried many times to have the personal consumer statement that I added to my Equifax report removed. I have submitted more than a dozen requests. I have sent registered letters and I have also sent registered letters confirming my identity to Equifax per their request. I have also submitted a complaint here to the CFPB website. All to no avail. The consumer statement that I added is still showing on my credit profile at Equifax. It needs to be removed. Now.
Complaint sub-issue: Information belongs to someone else

First and foremost I DO NOT consent to any automated scan response or e- Oscar verification methods conducting your deceptive investigation. I have disputed personal information and there was no change. The personal information that is in correct is the address of XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX GA XXXX. I have never lived there it is not my address of abode. I am enforcing you to remove the incorrect address. Also I have discovered that the accounts listed below is fraudulent. I have sent in pervious documents including an FTC, XXXX Attorney General Office complaint more than 30 days ago. I am only allowing an internal investigation within the days of 3 24 hours upon receipt for this matter to be resolved and dismissed. I am distress for the time period of this matter to be resolved. I sent in factual documents stating true facts of the unfairness and unprofessionalism. My character was being defame, my information was used without my consent Pursuant to FCRA that is in fact a violation. As a natural person and a consumer I am master, you are the minor and as The Congress implied that Equifax must exercise their grave responsibilities. You are a consumer reporting agency furnishing my personal information without my consent or from a judge. Do you know that is a major violation? I will move forward in filing a law suit. I have attached the documents to be read.
Complaint sub-issue: Deposits and withdrawals

Ive had a bank account at this bank for 3 almost four years. They converted my act to another bank. Then charged me overdraft fees after refunds took longer than usual to be credited due to the conversion. Then refunded the fees and turned off the debit card so I couldnt deposit funds to make the -10 dollars positive again. 
I just want to close this account. I do not like first horizon and the way they handle their customers
Complaint sub-issue: Debt was paid

I XXXX XXXX DIDN'T RENEW MY LEASE WITH XXXX  XXXX APARTMENT AND SINCE I DIDN'T INFORMED THEM WITHIN 30 DAYS THEY SAID THAT I OWED THEM BUT I PAID THE PREVIOUS MONTHS AND NEVER WAS LATE SO HOW DID THEY ADD A WHOLE NEW MONTH TOWARDS ME, NOW THEY HAVE SOLD IT TO PRO'COLLECT COLLECTIONS AND ITS MISSING UP MY CREDIT AND ITS KEEPING ME FROM PURCHASING ANYTHING BECAUSE THIS IS ON MY CREDIT REPORT SO PLEASE HELP ME IF YOU ALL CAN TO GET RESOLVED THIS PROBLEM FOR ME THANKS, XXXX XXXX
Complaint sub-issue: Old information reappears or never goes away

Back inXX/XX/XXXX I did a dispute with all 3 credit bureaus for XXXX for {$3300.00} and it was deleted from all 3 credit reports onXX/XX/XXXXbut not all 3 credit bureaus have added the above creditor back on my credit report in XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

I AM WHO I SAY I AM. NO ONE IS WRITING THIS FOR ME. I NOW KNOW MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER. 
I CREATED and sent a certified letter to you that you were violating my rights as a federally protected consumer under Title 15 Chapter 41. I demanded that you delete the alleged accounts that I never gave you written instructions to furnish pursuant to FCRA 15 USC 1681b ( a ) ( 2 ). I also wrote in the certified letter that I am not requesting for you to start an investigative consumer report!! Yet, on 8/25/21 you responded that you will " investigate ''? Let me remind you, pursuant to 15 USC 1681d ( d ) PROHIBITIONS : " A consumer reporting agency shall not prepare or furnish an investigative consumer report unless the agency has received a certification under subsection ( a ) ( 2 ) from the person who requested the report. '' I DISTINCTIVELY SAID I WAS NOT REQUESTING AN INVESTIGATIVE CONSUMER REPORT AND I SURELY HAVE NEVER GAVE YOU CERTIFICATION TO DO SO. 
But if you so insist on doing an " investigation '' Congress defines what a Investigative Consumer Report is pursuant to 15 USC 1681a ( e ) : The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics or mode of living is obtained through PERSONAL INTERVIEWS WITH NEIGHBORS, FRIENDS, OR ASSOCIATES OF THE CONSUMER reported on or with others with whom he is acquainted or who may have knowledge concerning any items of information. HOWEVER, such information SHALL NOT INCLUDE SPECIFIC FACTUAL INFORMATION ON A CONSUMER 'S CREDIT RECORD OBTAINED DIRECTLY FROM A CREDITOR OF THE CONSUMER OR FROM A CONSUMER REPORTING AGENCY WHEN SUCH INFORMATION WAS OBTAINED DIRECTLY FROM A CREDITOR OF THE CONSUMER OR FROM THE CONSUMER. '' YOU EQUIFAX RESPONDED TO ME ON XX/XX/21 THAT " AN INVESTIGATION WITH THE FURNISHER HAS BEEN INITIATED ''???!!! Well pursuant to 15 USC 1681a ( e ) that is a violation of my rights again. 
Unless you are going to be interviewing my neighbors, friends and associates, your " investigation '' is null and void!!
Complaint sub-issue: Other problem getting your report or credit score

I've been told by several financial institutes that my Equifax report is no longer existing.
Complaint sub-issue: Information belongs to someone else

I have been trying to get the credit bureaus to valdate these inquiries as I don't recognize any of them. I have requested by certified for the bureaus to send me signed documents from me authorized these inquiries. All I get is " updated/ Factual '' as a result of their investigation. What does this means? This is not evidence or proof. 
Please have them delete these unauthorized inquiries. 

XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/2020 XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/2020 XXXX XXXX XXXX Dealers, Used Inquiry date : XX/XX/2020 XXXX/XXXX  XXXX XXXX XXXX  XXXX Inquiry date : XX/XX/2020 XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX : XX/XX/2020 2020
Complaint sub-issue: Transaction was not authorized

My bank account was charged for a loan amount repayment of 3 installments XXXX and one installment of XXXX. 

I submitted a claim with moneylion but haven't heard anything back and I have talked to my bank. But my bank can not do anything since the charges haven't been posted.