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

On XX/XX/2018 I went to deposit cash into an atm that is located on XXXX XXXX in XXXX, PA. It was inside the lobby. The machine kept saying it could not accept the cash, and kept spitting it out. I have had multiple problems with PNC 's atms!! And this one in particular was even replaced, and the still have the same issues!!!!!!! I did not try a 3rd time because in the past the atm ate my debit card, and it was a MAJOR HASSEL TO GET IT BACK!! I called thier customer service, and they supposedly reported the issue and he refused to send me an EMAIL CONFIRMATION OF OUR TALK, AND HIS PROMOSE TO REPORT THE INCIDENT. That was very unprofessional also! So I literally have no proof that he even noted my account of the incident. However, this time I was smart, and took a photo of the atm, when it said it can not process the cash deposit. 
Now my account has 4 overdraft fees!! I want those reversed NOW.
Complaint sub-issue: Sued you without properly notifying you of lawsuit

Hunt & Henriquez levied my bank account on a fraudulent judgement in California. They are claiming a judgement was filed against me in XXXX of XXXX. I was never served, I 've never received any notices about this case. I 've never heard of the credit card they are claiming the debt. They drained my account in the amount of XXXX and trying to get XXXX} more on XXXX. I called them on XXXX to report fraud. They said they sent it to their fraud dept for investigation and I 've heard nothing since.
Complaint sub-issue: Information belongs to someone else

I contacted Jefferson Capital about the {$640.00} on my credit report showing as delinquent for a XXXX mobile account, and advised them that I have never had an acct with XXXX and my identity has been previously compromised. I filed a dispute with XXXX in XXXX   regarding this same account and recently again with XXXX on XX/XX/XXXX, and awaiting response. I have had to freeze my credit with the XXXX breach, and with XXXX XXXX and XXXX notifications that my info ( SS ) has been compromised on the dark web. My credit report shows addresses in Louisiana to which I have never lived outside of Texas. I called Jefferson Capital the collection agency, on XXXX XXXX, to discuss/dispute the validity of the {$640.00} XXXX mobile account and and they did not even have my correct information ( name, address, social security, phone number ). I asked the person ( XXXX ), to mail me any documentation showing I opened an account or signed anything and he said they did not do that, and I stated I am not the owner of this account and never have been ( these calls should be recorded in its entirety ). How is it possible to validate putting this on someone's credit report without having their personal information, given this was the 1st phone call with me on XX/XX/XXXX. I have been a customer of XXXX for over 10 years, it states this XXXX mobile account was opened in XX/XX/XXXX. This is not my account nor has it ever been. I'm just looking for any assistance possible, in order to move on.
Complaint sub-issue: Debt was paid

In XXXX of 2020, I had paid off an XXXX XXXX which I was previously paying installments on through XXXX. I specifically remember chatting with a XXXX Customer Service Agent via online chat, and then I even spoke on the phone with the same agent toward the end of the transaction as I wanted to make absolutely sure that I was being assisted in paying ANY/ALL payments required in order to be relieved of my contract with XXXX, which I made very clear to the XXXX agent XXXX He instructed me of the total amount due, and even ended up assisting me with getting the cell phone set up on a cheaper, prepaid service plan after the phone was deemed unlocked. I happened to save the chat transcripts between the agent and I on that specific evening, in preparation of an event like what I have been experiencing for the past year & a half. 
For some reason, these debt collection agencies have been contacting me claiming that I owe XXXX near {$300.00} which is simply false and not possible. This is very frustrating because it has definitely impacted my credit score, as well as the fact that this is not even something which i should be having to spend any more of my time on.
Complaint sub-issue: Reporting company used your report improperly

In accordance with fair reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Accounts name : milestone gold XXXX # XXXX violated my rights 15 U.S.C 1681 section 602 A States I have 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followinc items of information Anv other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven vears. 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: Problem accessing account

I am having issues accessing my savings account with Cititbank. I contacted CFPB about week ago, and they created a ticket to get this resolved. The CFPB ticket number was XXXX. 

Citibank did respond and said that my account was now active and that I could access it. The ticket was closed. 

This morning I attempted to log into that account, and again got the " Acess Blocked '' warning. It appears that they responded back to complaint, but they did not do anything to resolve the problem. Could you please either reopen the ticket or create a new ticket to get this problem fixed. 

Thank YOU so much for your help in dealing with Citibank! 

Sincerely, XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4300.00}, {$15000.00}, {$970.00}, {$550.00}, {$0.00}, {$3900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS XXXX. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$970.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$550.00} -This is not my account. 


-- AUTO LOAN OR LEASE XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-XXXX XXXX XXXX 6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account.
Complaint sub-issue: Was not notified of investigation status or results

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days.
Complaint sub-issue: Personal information incorrect

On XX/XX/2018, I had called Equifax customer service number to ask about some items that are on my credit report. I was on the phone with the representatives for over an hour, they were asking me so many personal questions to verify my personal information before they speak to me about my account, they kept telling me the information that you gave us doesn't match what we have on file so therefore, they can't speak to me. I asked to be transferred to a manager, instead I was I transferred to a supervisor, I asked for his full name, he would not provide that to me, he stated that his name is XXXX and that's all he can give me. He would not speak to me about my account or answer my questions. It is unacceptable for them to keep me on the phone for over an hour and not give me any information, they kept telling me they can not speak to me because I failed to answer the verification questions even though I gave them all of the correct answers about my personal information. They are very rude and no one there was able to help me.
Complaint sub-issue: Didn't receive enough information to verify debt

Hello : I am disputing this debt : Jefferson Capital System : XXXX XXXX for {$1200.00}. I am unaware of this debt nor have I received any notification attempting to collect this debt. According to my credit report this account was opened on XX/XX/2019.
Complaint sub-issue: Their investigation did not fix an error on your report

My mortgage company continues to report multiple negative late payments on my mortgage account even though they were paid on time and after several dispute reminders they fails to update the information under fair credit reporting act which is causing me great harm I'm refinancing my mortgage and low credit scores. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, nj XXXX   DOB XX/XX/XXXX SS # XXXX my loan # is XXXX  XXXX late reporting XX/XX/XXXX XX/XX/XXXX & XX/XX/XXXX 60 days late XX/XX/XXXX XX/XX/XXXX & XX/XX/XXXX 90 days late XX/XX/XXXX XX/XX/XXXX 30 days late XXXX  XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX120 days XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 120 days XX/XX/XXXX XX/XX/XXXX, & XX/XX/XXXX 90 days late XX/XX/XXXX XX/XX/XXXX 30 days late equifax XX/XX/XXXX XX/XX/XXXX 120 days late XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX & 60 days lateXX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX 90 days late XX/XX/XXXX XX/XX/XXXX30 days late
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

XXXXwo weeks ago I had to submit a complaint against US bank Reliacard for {$500.00} in charges that were made fraudulently on my card because it hasnt been resolved and this happened back in XXXX XXXX 2021. Well I finally got a call from them and yet another dispute filed and was instructed to call back if I havent received that dispute form to sign and return and I have not received it as of today, XX/XX/2021 so I called back and was told that my money that was deposited today from unemployment can not be transferred onto my new replacement card and they said that its in my agreement that I forfit my money when I get a new replacement card and will forfit all my benefits that get deposited weekly for as long as they get deposited and that I can not ever get any money from them ever for my unemployment benefits since I had to get my card replaced and filed a dispute against them and filed with your company in the first place. That is {$930.00} on that cards account number that filed the dispute on and get {$420.00} weekly for the next 23 weeks that they are claiming that I will never be able to access and they will never transfer onto my replacement card. PLEASE HELP ME AND DO SOMETHING WITH THIS DISGUSTING, FRAUDULENT, FELONIOUS " COMPANY '' BECAUSE THEY ARE THIEVES! NOTHING MORE AND NOTHING LESS-THEY ARE STEALING PEOPLES MONEY AND DEFRAUDING THE GOVERNEMENT AND TAKING THE ONLY INCOME ME AND MY 4 MONTH OLD HAVE OR WILL HAVE FOR 23 WEEKS AT {$420.00} PER WEEK AND THE MONEY THAT IN MY CARDS ACCOUNT AS OF RIGHT NOW WHICH IS {$930.00}. PLEASE PLEASE HELP ME BECAUSE I CAN NOT FEED MY BABY OR PAY MY RENT OR ANYTHING NOW BECAUSE OF THIS THIEVING COMPANY
Complaint sub-issue: Information belongs to someone else

XXXX XXXX  XXXX FTC VIOLATONS SENT OVER 45 DAYS AGO
Complaint sub-issue: Didn't receive enough information to verify debt

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that XXXXHUNTERWARFIELD would verify the debt. So I took it upon myself to ask HUNTERWARFIELD for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have recently received a copy of my credit reports with inaccurate, unauthorized alleged inquires. I 've followed all the proper steps by phone and by certified mail in reference to removing these inquiries from my credit reports. ( XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. ) 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 concerning these inquiries that you are reporting on my credit reports. If you do not have any documentation in your files to verify the accuracy of these inquiries then PLEASE DELETE THEM IMMEDIATELY as required under Section 611 ( a ) ( 5 ) ( A ) ( i ).
Complaint sub-issue: Information belongs to someone else

I have been a victim of identity theft and the disputed inquiries being reported on my Personal Credit File were never authorized neither initiated by me nor anyone I allowed to. By the provisions of the FCRA, I am requesting that the Credit reporting agencies deleted the disputed inquiries completely from my Credit report and stop their erroneous reporting.. I previously requested proof of verification bearing my signature to support the Credit Bureaus claims that the dispute inquiries belong under my name. Once again, I need the following inquiries deleted as soon as possible : XXXX XXXXXXXX XXXXnquired XXXX XX/XX/XXXX, XXXX XXXX XXXXnquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXXInquired oXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Inquired on XXXXXXXX XXXX XXXX XXXX-Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXXInquired on XXXX XXXX, XXXXXXXX XXXX XXXXInquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXInquired on XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXInquired on XX/XX/XXXX, XXXX XXXXInquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXInquired XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXInquired XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXXInquired on XXXX XXXX XXXX XXXX XXXX XXXX-Inquired on XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Their investigation did not fix an error on your report

To whom it may concern, Two weeks ago on Thursday, XX/XX/XXXX I received a call from Citi saying that after an internal investigation that my claims that you did not change my credit card account to my new account were indeed valid ( after 6 calls sinceXX/XX/XXXX ) in the investigation proved that city was wrong. The fact that after a perfect payment history I was doing a 30 day late hit on my credit reports were most definitely your fault. 

I was apologized to. I have a recording from your company XXXX representative ) who reviewed the recordings stating that my credit would be corrected and I would be issued a fax letter to my mortgage lender as Im in the middle of purchasing a new home. That you were sorry and would immediately correct this error. 

This credit hit is greatly affecting my loan APR and mortgage rate. 

Alas two weeks later no one has sent a fax I called and was on the phone for over 3 1/2 hours yesterday. I was run through XXXX call centers multiple people everybody contradicted everybody. 

I want this issue resolved tomorrow or Im going to get everyone I can involved with this. this problem will not go away. 

CITI messed up and needs to correct the issue as they guaranteed me they would. My mortgage lender is waiting on the faX that you guys promised. half your team says that they cant send a fax after the first three or four people Ive talked to said they would send a fax. again yesterday I was promised another fax the response being 24 to 48 hours. 

Please review my account and fix it accordingly I expect a call from you guys tomorrow XX/XX/2019 Wednesday. 

I close on my house next Wednesday. 

Please review all notes recordings and documentation related to my file. I do not feel like explaining myself one more time. 

Also I need an a mediately correction with all three credit bureaus XXXX, XXXXXXXX, and XXXX XXXX. 

The investigation was complete XX/XX/XXXX that is nine business days ago. I was told 7 to 10 business days tomorrow is your 10th day. 

All late charges and interest accrued due to your air need to be re-compensated to myself. 

Regards, XXXX XXXX XXXX Citi diamond preferred card # XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX US DEPT ED Account Number : XXXX 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.
Complaint sub-issue: Personal information incorrect

Equifax has several erroneous items listed on my credit report and I'm convinced it's because they have me mixed up with someone named " XXXX XXXX. '' My name is XXXX XXXX - always has been. I've never had any other name. 

When I try to login to their online disputes process, most of the security questions do not apply to me. I'm asked about accounts / monthly payments that I do not have, which again, further indicates that Equifax has me mixed up with someone with a similar name.
Complaint sub-issue: Account information incorrect

I am writing because XXXX XXXX has sent my account to collections and the Collection agency reported me to the credit bureaus. I had moved and they sent the statements to the old address and I also PAID the balance. Also under the CARES Act, which President Trump signed into law on XX/XX/2020, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis, They reported me in May, They need to REMOVE it from credit bureaus. I don't want them to JUST update it, they have to completely REMOVE it from ALL the credit bureaus or from the ones they reported it to. My score dropped significantly and I'm in the middle of getting a mortgage
Complaint sub-issue: Their investigation did not fix an error on your report

account XXXX XXXX XXXX bank card PAID in FULL credit bureaus stopped reporting it as a paid account and deleted it off my credit reports. This account needs to be reporting on my credit report! I have sent certified letters and complaints and i believe to be getting discriminated against since i have ignored and shoved to the side. This account needs to be REPORTED!
Complaint sub-issue: Information belongs to someone else

By this message I would like to ask you to recheck the information in my profile. I figured out the accounts that I do not recognize. I would like to clarify unknown accounts that appeared in my credit report. I think I am a victim of Identity theft so please check it and remove the accounts from my profile. Also please check my personal information as I believe somebody used my information. 

Thank you for understanding Looking forward for changes
Complaint sub-issue: Account status incorrect

I was the co-signer on a loan student loan for my sister with XXXX XXXX and they didnt pull my sisters payment in time and made it late when she submitted it on time and it has negatively effected my credit for years. The payment was made on time and pending on their end. They counted it as a missed payment. It shows as a major missed payment and they will not take it off. It was one occurrence and they were quick to throw it on my credit score as a co signer instead of resolve the issue. They would not even release me from the loan until she made 12 months of payments on time after that occurrence. 

It was recently fixed on XXXX  due to the help of this service and I would like this removed from XXXX  and Equifax as well immediately.
Complaint sub-issue: Information belongs to someone else

took my ftc off and added as a debt collection fcra violation equifax and XXXX XXXX XXXX inc XXXX
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX Date : XX/XX/2014 Amount : {$110000.00} 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 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
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

ihave tried contact equifax due to items on my report form 4 years ago stating collections with no NAME just numbers see attached tried calling equifax on phone but was disconnecteed on  2 differen t occasions
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  account # XXXXXXXX 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  has violated my rights. 

15 U.S.C 1681 section 602 A. states the right to privacy.

15 U.S.C 1681 section 604 A section 2 : also states consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Account status incorrect

A medical bill that my insurance company took care of is still appearing on my credit report as a collection account when I initially made my doctor visit the lady at the front desk assured me that their facility was indeed in my insurance network she took my insurance and sent me to se the doctor six months later I recieved a bill to cover the charges I then reached out to my insurance and the problem was rectified. Now the debt was sold to a collection company who is now reporting this information damaging my credit and ruining my financial life.
Complaint sub-issue: Information belongs to someone else

I submitted a letter to the XXXX Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Complaint sub-issue: Debt is not yours

I tried to explain to the creditor that the debt does not belong to me
Complaint sub-issue: Threatened or suggested your credit would be damaged

These peopled called threatened me. I told them it wasn't me. I pay my bills. They said this call is recorded but they wont hear it. We will ruin your credit if you don't pay even if its not yours its on your report not mines. I didn't know what to do XXXX XXXX Account Number XXXX XXXX - Account Type Collection Collection - Terms 1 Month - - Date Opened XX/XX/2017 XX/XX/2017 - Account Status Closed Open