Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Trouble getting a working replacement card

On Friday XX/XX/2020, I called the phone number twice for the EIP card I was supposed to receive, XXXX ( XXXX ) XXXX around XXXX. Both times I was unable to get someone on the phone and I was also unable to get help. 

My card was sent to the wrong address, something I wasn't aware I needed to fix until slightly too late since I did use direct deposit and electronic payment for my taxes. I moved to a new address and am unable to get the card from the new tenant for whatever reason. I also want to put a hold on the account which I can not do because when I tried to call I was told to get an account number and call back by the operator voice. I also was unable to report it lost because I haven't received it for the same reason! I did try going online but I have the same problem, no card, no way to get it.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX I sent a letter regarding unauthorized inquiries that Im not aware of on my credit report. Over 30 days later I have not received any response yet. I feel like I am being ignored at this point. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items. Its been over 30 days .I demand these unauthorized inquiries to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Account information incorrect

I have a signed legal deferment document from XXXX  for my XXXX and XX/XX/2020 payment. XXXX reported to all three credit companies that I was late for XXXX. 
I contacted the lender directly expecting to resolve this issue. After several attempts that resulted in no answers, ignored phone calls, and a lack of professionalism ; I was told by a representative that while under their system I was " current '' XXXX  would not change the " late payment '' report from my credit. 
I proceeded to start a dispute with all three credit companies. I mailed the deferment document to each, along with my request. 
XXXX  's results corrected the XXXX payment and updated it to " paid-on-time. '' XXXX XXXX  results denied my request and the XXXX payment stayed as " 30-days-past-due. '' Equifax results not only denied my request but it now also shows XXXX AND XXXX as " 30-days-past-due. '' I have spent hours collectively speaking with both the lender and the credit companies ( XXXX, Equifax ). I have a hard time believing that a legal deferment document has not been honored by these entities. The two credit bureaus told me all they could do is take the information provided by the lender as facts. 
XXXX  needs to be held accountable for not only providing different information to each credit bureau but also for not honoring a signed legal document. 
When this company belonged to XXXX I never had an issue. The newly called " XXXX  '' lender does not care that it services military members and is quick to take our hard-earned-money, yet, it will not uphold its standards to the law. 
This is the first time that I asked this company for a deferment as COVID-19 has left a great financial impact on my family. 
This lender evidently does not care about my financial wellbeing whatsoever. 
My next step is to take legal action against this company if this matter is not resolved.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX XXXX {$4400.00} XX/XX/XXXX XXXX {$4600.00} XXXX XXXX XXXX XXXX {$16000.00} XX/XX/XXXXXXXX {$2500.00} XX/XX/XXXX XXXX {$3400.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I reported fraudulent charges to Citi that I saw on my billing statement. 

On XX/XX/XXXX I was charged {$1600.00}, XXXX MXN, by XXXX XXXX XXXX XXXX XXXX for commercial equipment. 

During this time I was on vacation in XXXX and the card was in my possession. 

Not once did I make any single charge of XXXX MXN to the best of my knowledge. 

The details for this transaction are as follows : XXXX XXXX XXXX Transaction XXXX : Purchases Posted Date : XX/XX/XXXX  Category : Merchandise - XXXX XXXX XXXX XXXX XXXX Reference Number : XXXX Card Member : XXXX XXXX XXXX Merchant Country : XXXX Foreign Currency : XXXX XXXXXXXX XXXX I was also charged {$750.00}, XXXX MXN, on XX/XX/XXXX.This was by a XXXX  XXXX which I also state as fraud as I was told by the merchant that the credit card machine wasn't working and I paid in cash instead. 

The details for this transaction are as follows : XXXX XXXX XXXX XXXX XXXX XXXX  Collapse Details Additional Details Transaction Type : Purchases Posted Date : XX/XX/XXXX Category : Restaurants - EATING PLACE, RESTAURANT Reference Number : XXXX Card Member : XXXX XXXX XXXX Merchant Country : XXXX Foreign Currency : XXXX XXXX I didn't notice these until after I got back from XXXX. I wasn't traveling for business, just for vacation. 

Citi refuses to accept my claims as fraudulent because I was honest and told them all other transactions besides these I recognize as valid.
Complaint sub-issue: Information is not mine

This account is reporting on my Equifax account, it simply says medical no company or account name attached.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled personal information, which puts me and thousands of other at risk. I am listed as a potential victim according to their XXXX website, and would like a resolution.
Complaint sub-issue: Information belongs to someone else

I have absolutely no idea what these accounts are, I have never opened a account with these creditors and want this removed. I have notified my local Police department XXXX XXXX XXXX XXXX sheriffs XXXX of these fraudulent accounts and have made a police report. 

Under the FCRA 2009 ( a ) the Credit reporting agencies must cease and desist from reporting these accounts that have been brought to their attention are fraudulent, and were open without the consumers consent. 

I am in talks with my local attorney generals office to assist with this theft.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. states I have a right to privacy 15 U.S.C section 604 section 2 : it also states a consumer report can not furnish an account without my written instructions
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I purchased a watch using my Discover card through XXXX. The watch arrived broken. I disputed through Discover. The merchant ( XXXX watch ) and I came to agreement to resolve the issue after which I closed the dispute with Discover. XXXX never received notice that the dispute had been closed. XXXX officially closed the case on their end, siding with me, not paying the merchant, because they never received notice from Discover that I had closed it and it should go in the merchant 's favor ( them getting paid ). Discover went ahead and charged me again for the full amount on XX/XX/21. To recap : I dont have the money, XXXX XXXX have the money, the merchant doesnt have the money. Discover has the money and they refuse to accept an email from XXXX saying XXXX doesnt have the money and never got information saying the dispute had been settled in the merchants favor as proof. Discover is sitting on my money claiming they dont have it and they wont do anything about it. They wont let me open a new dispute because they say it cant be done twice on the same transaction.
Complaint sub-issue: Information belongs to someone else

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Complaint sub-issue: Didn't receive advertised or promotional terms

This is a complaint about the Home Depot credit card issued by Citi. I opened the card because of the promotion to get {$25.00} during the first purchase. I was not able to use it during the first purchase because.I have not received the card. When I used it after the second purchase, there was no {$25.00} credit. I called right away, and as in many instances afterward, was promised that the credit will be within the next one or two billing cycles. The time frame for this is XX/XX/XXXX-XX/XX/2019. I had at least ten interactions with Citi and one with Home Depot. Some of the interaction was in writing. I paid everything above {$25.00} and every monthly statement all the fees were reversed with a promise that {$25.00} will appear soon. Suddenly come XXXX, the representatives starting to say that I was not eligible for {$25.00} because my purchase was made more than a month after opening the card. I did not know about this restriction, and if the representatives were to tell me that right away, I would just return the merchandise. When I requested in writing copies of notes from my account, I was denied. So my complaint is that I was repeatedly promised credit for 3 months and later was denied of it ; and that Citi refused to share account notes despite a written request.
Complaint sub-issue: Information belongs to someone else

An account has been re-inserted to my credit file after it was removed. The bureaus are also still reporting a public record which is out of date and inaccurate.These items are to be updated every 90 days with the courts. XXXX XXXX as well as XXXX continue to report a bankruptcy in my previous name.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, XXXX  accounts XXXX XXXX  # XXXX, XXXX XXXX # XXXX XXXX  XXXX XXXX  XXXX # XXXX have 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 15 U.S.C 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

On XX/XX/2020, an atm withdrawal was made in XXXX, IL at XXXX XXXX, totaling {$140.00} from my Arkansas US Bank Reliacard that is used for my receipt of child support. I have tried to call US Bank reliacard at 3 different numbers, XXXX, XXXX, XXXX and spent a cumulative amount of over 5 hours on hold to get my card cancelled and speak to someone about the money that was stolen. I have not spoken with anyone, as no one has ever answered. On one call, after 2 hours and 35 minutes of holding, the system hung up on me. I need this card cancelled or future deposits will also be compromised and my losses need to be refunded. I have never even been to the city where the money was taken from an ATM.
Complaint sub-issue: Reporting company used your report improperly

Dear CFPB, I recently received a copy of my credit report. The credit report showed a credit inquiry by " DT CREDIT '' I do not recall authorizing or " someone is using my identity ''. I understand that " DT CREDIT '' shouldnt be allowed to put an inquiry on my credit file unless I have authorized it. Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit. 

Inquiry date : XX/XX/2020 I sent a certified letter to DT CREDIT on this date XX/XX/2020 Under the Fair Debt Collection Protection Act, on XX/XX/2020 I requested DT CREDIT to provide me a validation of the inquiry. I mentioned in the letter, failure to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claim. 

DT CREDIT - respond as " verified '' and failed to provide any validation of the inquiry. No evidence, no signature, and incorrect name. As per FTC opinion letter from Attorney XXXX XXXX XXXX, they should be aware that a printout of a bill or itemized document does not constitute verification. They failed to comply with the Federal Laws. attached ) I did not authorize anyone employed by " DT CREDIT '' to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX. 
{$460.00} {$340.00} XXXX paid in full! Remove them from my report! 

They are reported closed, but are still on my report. Remove them!
Complaint sub-issue: Their investigation did not fix an error on your report

Okay I sent Equifax information service a dispute letter XX/XX/2022 asking them to validate some accounts thats on my credit report. Because Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that they disclose to me all of the documents that they have recorded and retained in they files. So I wrote the dispute letters asking them to carefully verify those accounts which are XXXX Finace XXXX XXXX XXXX service and I have been proof I sent them dispute letter through certified mail. Asking them provide me proof such as a sign contract with my signature but Equifax failed to do that so XX/XX/XXXX I received a letter from them stating they verify those account are accurate and they are mines they didnt send me any proof no documentations Equifax information Service have ignored my request to provided me with the documents that they have in they files that was used to verify the disputed accounts which means that they have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncomplia eral Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. 

The accounts that need to be removed immediately are XXXX XXXX {$410.00} XXXX XXXX {$270.00} And dont write me back and say they were verified Im looking for any documentation the creditors sent to your company to prove this account are mines and I have all the proof. So please remove these unverified accounts from my credit Thank you.
Complaint sub-issue: Debt is not yours

XXXX XXXX XXXX {$1000.00} Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. I would like copies of the documents that you have in your files that were used to verify this account, and not simply receive a response indicating that it was verified. 
If you do not have any documentation in your files to verify the accuracy of this disputed account, please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to third parties, you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed below within 30 days of receipt of this letter, you must remove this account from my credit report.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX  Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX
Complaint sub-issue: Was not notified of investigation status or results

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and I am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so I don't want no automatic computer response saying this is unauthorized. I am authorizing this complaint with proof of the disputes I sent out. Now please help me this because I will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who I am.
Complaint sub-issue: Report improperly shared by CRC

The attached updated credit bureau from Equifax is invalid, as the collection agency responded to Equifax that the account was in fact mine. I have attached a copy of my Chapter XXXX bankruptcy release of all creditors, and the company known as XXXX XXXX XXXX is aware of this release. The collection agency is in violation of their subscriber agreement with Equifax. My rights under the Fair Debt Collection Practices Act is in violation as no official assignment was ever processed or procured with the United States Bankruptcy Court. In essence, Equifax has no other recourse but to officially delete the attached account, and the collection agency must purge any information on against me personally and all pertinent information to the account in general.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. The following personal information on my credit fi le is not correct : name : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. 
Date of birth XX/XX/XXXX I am a victim of identify theft My date of birth is XX/XX/XXXX I am a victim of identity theft This is not my name my name is XXXX XXXX XXXX Phone number XXXX I am a victim of identity theft.This is not my phone number Address XXXX XXXX XXXX, TX, I am a victim of identity theft I have never lived at this address XXXX XXXX XXXX XXXX, I am a victim of identity theft I have never lived at this address XXXX XXXX XXXX, TX. 
I am a victim of identity theft I have never lived at this address The following accounts are not my accounts : XXXX XXXX XXXX, I am a victim of identity theft this is not my account XXXX XXXX XXXX XXXX, I am a victim of identity theft this is not my account XXXX XXXX  XXXX, I am a victim of identity theft this is not my account XXXX XXXX XXXX. 
I am a victim of identity theft this is not my account
Complaint sub-issue: Other problem getting your report or credit score

If he credit reporting agency refused to send me an updated copy of a credit report On changes that were made in my file I sent all documents they ask for and still no response from company
Complaint sub-issue: Other problem getting your report or credit score

I've been on the phone with Equifax so much throughout XXXX and XXXX and at this point I just need someone to step in and help me! 

I've mailed countless copies of the same documents ( they say they never get them ) I then upload through my.equifax.com.. I just want to cry at this point! They are useless! 

My ENTIRE credit report keeps vanishing completely. Right now, it says I have no accounts on my credit report at all, with 4 unknown inquiries that I've never partook in. In addition, my birthday keeps being changed from the corrected one XX/XX/1993 - to XX/XX/1993! 

I sent them my court ordered name change - and they've changed my name about 5 times in XXXX alone! NEVER ONCE to the appropriate name. Mind you, every representative who makes the change, someone changes it back on their own, or to another variation of my previous name! 

I logged into credit karma again and XXXX today, EQUIFAX REPORT GONE. I'm so tired of them!
Complaint sub-issue: Public record information inaccurate

I am reaching out to you in regards to a bankruptcy that was placed on my account by Equifax. I disputed it to Equifax in XX/XX/2018 for information regarding it asking them to provide me with a ) the name of the courthouse ; ( b ) the persons name you verified the dispute with ; ( c ) the address ; ( d ) the telephone number ; and ( e ) the documentation used to verify the dispute. In XX/XX/2018, they only provided me with the company 's name, address, and email stating that the information was accurate. The company they stated in which the information was collected from was a company in which I have a freeze on my account since XX/XX/2018 due to the credit breach in which my account was affected. Since, they are refusing to remove the bankruptcy from my records, I am reaching out to you for further assistance. In addition, I reached out to the United States Bankruptcy Court of Illinois and received a letter from them stating that they do not perform any activities with the credit bureaus. I have submitted that letter to Equifax as well as the letter I received from the third party company the mentioned as the source used to gather this information.