Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

OnXX/XX/2017 my government credit card was charged twice by XXXX XXXX for the same flight for {$560.00}. When I disputed this charge with my credit card they told me XXXX told them it was a proper charge even though I had a receipt that showed the errant charge. They cancelled my card and threatened to garnish my wages if the money wasn't paid but I again sent them proof that it was a double charge and that XXXX inappropriately charged my card twice for the same ticket. I finally got XXXX to admit the mistake and refund the money but Citibank decided to charge an extra {$80.00} fee to the card. They then received a letter saying my military retired pay was being garnished to pay back {$710.00} which just seems to be a made up number.
Complaint sub-issue: Their investigation did not fix an error on your report

I reviewed my Consumer Reports and noticed that I had late payments on an accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX Balance : {$700.00} ; XXXX  XXXX Balance : {$1400.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I am XXXX XXXX and i am submitting this compliant myself and there is not third party involved. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan is writing today to report and issue. 

On XXXX occasions on XX/XX/2021 and XXXX I sent certified mail a letter to XXXX, XXXX and XXXX. In the letter was a request to verify through physical verification of the original signed consumer contract for any and all accounts that they post on my credit report. 
I asked that proof be mailed to me for all accounts on file. I advised that according to the Fair Credit reporting Act, Section XXXX ( a ) ( XXXX ) ( A ) that you are required by federal law to verify and additionally I am to XXXX permission to post anything to my report which I did not. In XXXX I had my credit report frozen and they still didnt send any verifiable proof. It has been almost 9 months since my initial letter. 

This has hurt my ability to get credit. 

I said if they can not provide a copy of verifiable proof they must remove the accounts in question. They didnt not remove the accounts
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX balance of {$770.00}, is not reputable. I contacted the creditor and was told they would remove the account. Instead, they have continuously taken it off and re-add it to my report.
Complaint sub-issue: Deposits and withdrawals

Lending Club is apparently a scam. They have stolen {$65000.00} and can not even be contacted. We opened a XXXX checking account with Lending Club after seeing their advertisement online. We were enticed by their range of features they purported to offer, and ease of use, including their online access and mobile application. We opened an account and funded it with {$100.00} deposited from an existing personal checking account. Our account is under the following XXXX name : XXXX XXXX XXXX XXXX We then ordered checks through Lending Club customer service and received them recently as well. We had an upcoming transfer from our merchant processing, which we linked to this new business checking account. We reached out to customer service and let them know the transfer was going to be incoming soon, and wanted to make sure it would be received without any issues. The customer service confirmed there would be no issues, and that we could receive the transfer. On or about XX/XX/XXXX, we received a {$65000.00} deposited into our account. I wanted to move {$25000.00} of the balance to my personal account. I initiated a wire transfer online through Lending Club 's online wire transfer feature. The account is under my exact name, and my home address. I was then emailed several hours later being told the wire was canceled and I would need to provide Lending Club with additional information about my account and photo identification via email. I immediately replied submitting the information. No phone number was provided for any assistance either. I received no response from Lending Club via email. Today ( XX/XX/XXXX ) I was blocked from logging into my Lending Club account as well. All of our information is accurate and was provided to Lending Club as requested. The wire transfer was to my personal account under the same exact information shown on my State identification documents, and is a residential home under my name as well. There is no reason that Lending Club should be able to steal our money like this without any recourse and for no valid reason. These online financial companies now use the " suspicious activity '' excuse to freeze funds at will in an apparent attempt to raise their own profits.
Complaint sub-issue: Information belongs to someone else

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 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: Information belongs to someone else

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. XXXX  XXXX {$18000.00} XXXX  XXXX {$6800.00} CHAPTER XXXX BANKRUPTY DISMISSED XXXX CHAPTER XXXX BANKRUPTCY DISMISSED XXXX
Complaint sub-issue: Information belongs to someone else

XXXX, XXXX  XXXX  SOC SEC # XXXX-XXXX-XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX RE : Unauthorized Credit Inquiry Dear Sir/Madam, This letter is your formal notice to cease the unauthorized hard inquiries you are making intomy credit report. This is also a formal demandfor you to immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have these illegal inquiriesremoved. Be advised that I will be checking my reports to ensure you have had thefollowing unauthorized inquiries taken off my credit report : Line Item : Inquiry details XXXX XXXX  XXXX   Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX, XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX, XXXX   Inquiry from XXXX  XXXX, 2016 + Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX  XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX  XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX  XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX, XXXX. XXXX Inquiry fromXX/XX/XXXX+ XXXX XXXX XXXX XXXX.

To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates theFair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you have any document that you believe authorizes you or your organization to make theaforementioned inquiry/inquiries into my credit report, I respectfully request that a copy of itbe sent to my address so that I may verify its validity. Given the growing cases of identitytheft, I'm sure that you'll agree with me that verification will protect both our interests.In the event that you do not possess my authorization, I request that once you haveremoved all unauthorized inquiries from my credit profiles, you should also remove all of mypersonal information from your records. Please send me confirmation that you havecomplied with these requests.

Thank you.

Sincerely, XXXX, XXXX  XXXX  SOC SEC # XXXX-XXXX-XXXX DOB XXXX ADDRESS XXXX XXXX  XXXX, XXXX XXXX, FL XXXX
Complaint sub-issue: Denied request to lower payments

I took a loan for XXXX on XX/XX/XXXX always paid on the XXXX of each month. i asked for a deferred payments for 2 month for XX/XX/XXXX and XX/XX/XXXX i was granted these 2 extension. I was told my next payment was not until XX/XX/XXXX. Well in the meantime i have been harassed by XXXX XXXX XXXX in California and have disgusting at making me pay on the XXXX of each month and they put on my credit report i was behind i get paid on the XXXX of each month as i am on XXXX income, I was told by XXXX XXXX XXXX at XXXX and told me to dispute this case because it is not my fault, because they lost or threw out my paperwork. Please help me get my credit and report corrected as my score went from XXXX to XXXX because of this disgusting mistake. Please call me at XXXX. Thank You
Complaint sub-issue: Reporting company used your report improperly

Credit Karma said i was Pre-approved for loan with XXXX XXXX on XX/XX/XXXX, XXXX just to get denied and now i have a hard inquiry on my credit and my score dropped also.
Complaint sub-issue: Didn't receive notice of right to dispute

I received papers of a garnishment at my employment and was unaware of any judgement. The debt is from XX/XX/2011. The amount is {$1600.00}. I called the company and explained that I never received any notification of the debt or judgment. This debt does not show up on my credit report either. If so I would have taken care of it. I asked company if they could drop the amount and could only do {$80.00}. This debt seems like scam since it shows up nowhere expect for Johnson Mark LLC attorneys at law.
Complaint sub-issue: Account status incorrect

All incorrect information on my credit score before and after I bought a home And my credit score gone downhill lower than before some of the credit cards I stop using them and they still try to collect my money it very sad and frustrating! I try to make my end meet for my family and XXXX little boy but they keep messing with my credit score it make my process to buy a home very challenging because of high interests base on my credit score! 
All I want is a fair treatment Thank you
Complaint sub-issue: Trouble closing card

I work for a member of XXXX who was the unfortunate victim of identity theft and the criminal opened a CashApp card using the victim 's information. I mailed a formal dispute with all of the required documents under the FCRA to have to account confirmed as fraudulent to CashApp on XX/XX/22. After no response from CashApp I attempted to call them on XX/XX/22. The first issue is that CashApp will not allow people to wait on hold and will only allow a call back. However, upon their first call back they played a recording stating they're sorry they missed me and disconnected the call. After my second attempt, upon their call back I spoke with a representative who did not provide their name or identifying information. I explained that my member was the victim of identity theft and I needed an update on the formal dispute I mailed to them. The rep asked for the phone number or email on the fraudulent account. I tried to explain to the rep that a criminal will not put the victim 's real phone number or email on a fraudulent account so I don't have that information. The rep claimed he could not help me. I asked for a supervisor and the rep stated he was unwilling to get a supervisor and hung up the phone. Upon my third attempt and call back I spoke with a rep named XXXX. She would not provide any additional identifying information and would not let me know the rep I previously spoke with. I explained the situation and that I would not have the phone or email listed on the fraudulent account, however that I have formally submitted all the documents required under the FCRA to confirm an account as fraudulent and that CashApp is required to confirm the account as fraudulent upon receiving these documents. XXXX put me on hold for some time and then asked for the XXXX tag on the card. I advised I do not have this information either but I could provide the victim 's address, DOB, or full SSN. XXXX refused to take any of that information. I asked for a supervisor again. XXXX refused to provide a supervisor, but said she would have a supervisor email me back. I provided my email address and advised I would be reporting their company to the CFPB. XXXX did not seem to care about that. I did not receive an email from a supervisor. Instead, I received an email from XXXX asking for the same exact information she asked for over the phone. After all of this extremely unprofessional conduct and blatant violations of the FCRA I decided to file this complaint. I have attached the dispute paperwork that I sent CashApp on XX/XX/22 along with the email that XXXX sent me instead of having a supervisor contact me. I would like CashApp to close down the fraudulent account and confirm it as fraudulent. I would also like these reps to be reprimanded on their conduct and for CashApp to change their shady business practices.
Complaint sub-issue: Reporting company used your report improperly

late payments on student loan accounts. 

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on Student Loan account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX/XXXX/XXXX  Account Number : XXXX Has Violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  XXXX  XXXX  Account Number : XXXX Has Violated my rights In accordance with the Fair Credit Reporting Act XXXX  XXXX Account Number : XXXX has violated my rights In accordance with the Fair Credit Reporting Act US DEPARTMENT OF EDU Account Number : 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
Complaint sub-issue: Problem making or receiving payments

this usbank XXXX, this is the second time in 6 months they have disabled and locked me out of my online banking where i can not pay bills or see my accounts or withdrawal money or pay credit cards. i sign in and it disabled all my business and personal accounts so i cant see none of accounts or credit cards or loans to get in to pay bills either. im XXXX off this keeps happening. i called and the fraud dept XXXX says im locked out for 72 hours. i told them since this keeps happening probably thinking about banking with someone else not banking with them anymore cause its stressful that i cant get in to do anything with my accounts at all. there is no reason they should keep locking me out like this. i called the fraud dept and i told them im unhappy with your usbank business locking me out every 6 mths like this will go bank somewhere else with my buisness and personal account if you keep doing this to me. and im at that point now of going somewhere else if they dont get me in today and wont help me to sign in.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXXXXXX XXXX XXXX XXXX  is different on each bureau the last reported dates do not match and the date last active is reported Different on each report In accordance with the Fair Credit Reporting act 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 1666b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Complaint sub-issue: Was not notified of investigation status or results

XX/XX/XXXX - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to Equifax, XXXX, XXXX. 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/XXXX. 

Today is XX/XX/XXXX and Its sad i still haven't even heard back from these Companies yet.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has been non-compliant with removing the unverified account XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Complaint sub-issue: Reporting company used your report improperly

I, the natural person, consumer who is protected under the federal law is demanding, that fostered removed/deleted from any and all systems used by the following business : XXXX XXXX XXXX XXXX.I am demanding no further communication, return of property, in regard to the COLLECTION this alleged debt. Lastly, as a consumer of heaven, protected under the federal law, Title 15 Chapter 41 subchapter 5 1692 ( k ). I am demanding compensation for damages, willful injury, unlawful accusation, I am demanding compensation and damages under a commercial security agreement including a fee schedule ; for the false claims of an alleged, and unverified without certified mailings, validity of debt, etc. Nothing, for months now this company has " been in review '' of some thing they are willingly doing in unlawfully throughout identity theft and fraud. Equifax, XXXX, And XXXX are still currently reporting information that has not been proven and verified correctly and in violation of FCRA LAWS pursuant to 15 U.S.C. 1681-1681. MY rights to privacy, listing me as the ( DEBTOR ) when I am in fact the authorized user, creditor.
Complaint sub-issue: Account status incorrect

XXXX. Is the only credit reporting agency with outdated information and has additional inquiries which have been disputed before this complaint. I also want to know why they have supplied credit report to businesses without my consent even after I requested for credit freeze.
Complaint sub-issue: Public record information inaccurate

I checked all 3 of credit report today and it shows I have a chapter XXXX bankruptcy .... The courts do not report to the credit agency.. how did they get the information for the courts..
Complaint sub-issue: Account information incorrect

Credit bureaus did not verify inaccurate information
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX VA XXXX Last 4 Digits of SSN : XXXX While looking over my yearly credit report I see that there is some incorrect information regarding my personal information. There are addresses reporting to my credit report that are not associated with me. It seems as though you or the creditors have mixed my file with someone else that is in my family which is understandable being that our names are similar. I have included my license and proof of address to assist with the handling of this dispute. I am asking that you please remove any and all addresses that do not reflect the address that is on my license and/or proof of address so that the information on my credit report is accurate. 

Thank you so much for your time in assisting me with this matter. Please send me correspondence that shows that these changes have been implemented.
Complaint sub-issue: Reporting company used your report improperly

Equifax/Equifax credit bureau is sending out frivolous letters. They recently sent me three letters on the same date, XX/XX/2022, for identification after they fraudulently said they couldnt find my account and removed/deleted some accounts I requested to be removed/deleted when I called XX/XX/2022 and submitted my complaint through CFPB also on XX/XX/XXXX. These actions are making me lose confidence in Equifax/Equifax credit bureau XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have attached an FTC report with an account and inquiries I did not authorize
Complaint sub-issue: Their investigation did not fix an error on your report

There has been several attempts for this debt to be verified with the consumer reporting agencies. This account has not been verified simply sending a statement from the original creditor by law is not suffice. This collection agency and consumer reporting agencies have not provided me with a signed contract/agreement. The original creditor XXXX XXXX XXXX XXXX has stated that I do not owe them this debt. 
Please review letters sent and documents provided as verification as they do not meet the standards by law.
Complaint sub-issue: Personal information incorrect

On XX/XX/20 I applied for credit with XXXX XXXX and the reporting agency reported my credit score at XXXX this score is completely wrong. My credit score in XXXX, there may have been a typo on the application or an error with in the company XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the Fair Credit Reporting act reports on inquiries and account information 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. 

The following inquiries show on my credit reports from XXXX, XXXX, and Equifax : Unrecognized Inquiries : XXXX. XXXX XXXX XXXX -- Alleged credit line increase request that was not completed online still appeared as hard inquiry. XX/XX/2021. 

XXXX. XXXX XXXX Credit Card request on XX/XX/2021 appears twice, when it was only executed once. 

Account I want kept private : XXXX XXXX Credit Card.
Complaint sub-issue: Can't qualify for a loan

XXXX private student loans were taken out on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. No payment was ever made on the account, so it immediately went into default as of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Per the loan agreements, the first payment is to be made 60 days from separation from the school. I dropped the classes the first week they started. Essentially at this point the loans are out of the statute of limitations. Because they sold the debt to a different company in XXXX they are deeming that to be a payment. This should no longer be on my credit profiles, and I have wrote numerous letters. The collection agencies took it off of my credit when I provided them with the validation of the contract, but the original credit is still reporting derogatory.