Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with personal statement of dispute

Company 's Response Thank you for submitting your complaint on XX/XX/2019 through the CFPB Complaint Portal. We reviewed the information you supplied. In your complaint, you indicated there are inaccurate or incomplete items appearing on your Equifax credit report. The format and verbiage of this complaint is similar to other complaints received from consumers utilizing the services of a credit repair company. To ensure the privacy of our response, Equifax will not respond to this complaint via the CFPB portal as we suspect that it may have been submitted using a credit repair company. Please be advised that you do not need a third party to help you with your Equifax credit report. You may contact Equifax at https : //www.equifax.com/XXXX if you have any questions or concerns in regards to your Equifax Credit Report. Unfortunately, there is not anything a credit repair clinic can do for you that you are not able to do yourself. If the information is accurate and furnished by a provider meeting the legal requirements for reporting credit information, it can not be erased from your file by companies advertising " credit repair '' or anyone else making these types of claims. Please note that any subsequent submissions utilizing the services of a credit repair organization will be handled in this same manner. The results of our reinvestigation will be mailed to your current address within 30 days utilizing our normal dispute process.
Complaint sub-issue: Information is not mine

Dispute Over Inquiries on XXXX Credit Report- Unauthorized AccessI contend that all of the inquiries made by FLURISH INC. , XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX, on my XXXX Credit Report are unauthorized and must be removed. Credit reporting is inaccurate, incomplete and unauthorized. I did not give my consent to access my credit report. 

Background Identification BreachOn or about XX/XX/XXXX, I had my gym bag and contents in a locker stolen and compromised. At the time I believed that my identification had been in my purse in my car, however, this was not the case. From that date on I obtained replacement identification without knowing that I had a right to file the information with the credit reporting entities. Since XX/XX/XXXX, up through and including XX/XX/XXXX, I find that an individual in XXXX XXXX XXXX, California, may be compromising my identity. 

During these times I have found that my internet email has been inordinately littered with requests for credit card loan and merchant credit card offerings, which may or may not be normal these days, but seem unusual and suspect. 

Any internet inquiries into my credit, if any, were unauthorized by me. 

Demand to Remove Unauthorized InquiriesMy review of a recent XXXX credit report indicates that items, from XX/XX/XXXX, up through and including XX/XX/XXXX, stated above, constitute unauthorized and unlawfully accessed information in violation of state and federal law.
Complaint sub-issue: Can't stop withdrawals from your account

I use XXXX XXXX for my bank and I feel I'm being taking advantage of with all the overdraft fees I'm charged every month. I feel some transactions get stuck in pending, and when a certain day hits they just slam my account with overdraft fees. I can understand that if I overdraft one fee hitting my account, but the way they are charging me I can overdraft by {$40.00} and they will hit me with 4 overdraft fees making my account negative over {$150.00}. This seems to happen every month. I have contacted them numerous times threatening to close my account, but they will not work with me on getting my fees back. I deposit {$1500.00} every month and I feel like I'm a good customer being taken advantage of. I can attach my bank statements to show an example. I am going to change banks but this has been difficult because this is a government account that I use for my son 's social security. So really they are taking money from my son 's account. Any help would be greatly appreciated. Thanks
Complaint sub-issue: Account information incorrect

On my Equifax Credit Report, XXXX XXXX is showing twice for the same account. The dollar amounts are {$1.00} off. I have been in contact with XXXX XXXX AND Equifax for over a year. XXXX XXXX showed me proof they have only ONE account for me. I sent this information to Equifax and since XX/XX/2017 all they do is send me a letter saying it's verified. It's not getting corrected. I want the account that is showing in the amount of {$830.00} to be deleted.
Complaint sub-issue: Account information incorrect

I am growing so frustrated wi th Macy 's  not correcting wrong information under my credit card account on all of my credit reports. I used to have an account wit h Macy and t he number was #  XXXX . The account is missing many many months of information but in  XXXX  of    2013 it i s displaying a 30 day late and this is not correct and it is terribly damaging to my financial life. I have never been late w ith Macy 's, a nd when I had problems processing a payment it was due to the associates errors and lack of communication fro m Macy 's w ith me. I have always made my payments on time and I already disputed this information nicely and asked that they fix the 30 day late displayed and I was told by a manager that that would be done but it had not in a long time so i filed a complaint on this database. This is actually my second complaint and I was so appalled to see that they had " verified '' the information and put false notes on my credit report claiming that their information was FCRA verified.   THIS IS NOT TRUE! How can they say something is FCRA accurate when they have not provided me with any proof or documentation as to how this late occured, especially after I brought it to their attention that the way and the timeframe as to how the associate handled my payment was confusing. This company is lying to people and refusing to follow the law and they simply do n't want to be wrong, that is how it seems to me.
Complaint sub-issue: Investigation took more than 30 days

My name is XXXX XXXX. I sent dispute letters out more than XXXX days ago and have not received any credit report updates, nor have I seen any changes to my report. I believe the information on the account with " XXXX XXXX '' to be incorrect. 

Account # : XXXX
Complaint sub-issue: Can't get other flexible options for repaying your loan

Getting my XXXX degree was the biggest mistake of my life. I never would have taken out a single loan if I had known that XXXX XXXX was going out of it 's way to to make XXXX mortgages which were obviously going to be defaulted on and selling them and other credit default swaps which was an obvious time bomb for the economy. I never would have taken out loans if I knew that the bought and paid for politicians from both parties had pushed through legislation making it impossible for me to discharge student loans in bankruptcy while I was already at school and too busy studying to notice. I never would have agreed to be a debt slave to the companies that got off scot free for blowing up the world 's economy and destroying my job prospects and lifetime earning potential in the process. When I signed for these loans the average starting salary in my field was $ 60k. When I graduated right after my lenders trashed the economy I could n't find work in my field for 3 years and when I did I started at closer to $ 40k. Studies have shown I can expect to hang on to that decrease in earnings for at least 20 years while suffering from longer periods of unemployment. XXXX : XXXX I have absolutely no more drive, hope, or ambition. I worked hard did well and got XXXX for my trouble, American Dream my XXXX. I hate everything about this rigged corrupt country. I honestly hope XXXX XXXX or some other country does manage to XXXX us.
Complaint sub-issue: Problem with personal statement of dispute

Had a horrible experience wit h Citibank an d having been trying to resolve since  XXXX     2016. Spo use opened a credit card in my name and bank did not get routing number correct for auto payment. Which turned in to two months  of non payment. Recieved a phone call finally in  XXXX  of past due amount and upon confirming I do indeed have account with them paid it immediately and was advised no negative action would be taken if paid in full that day. I was lied to and they ended up sending it to my credit report which negatively impacted m y credit score goi ng from  XXXX  down to  XXXX . Numb er one the y never confirmed I am th e one opening said such account and number two state d they would not report this do to a clerical error. They refuse to remove the negative comment and state they sent emails of past due amount. I admit there is email after going back to history but since I never opened the account fiqured it was fraud and someone trying to get my personal information. Please look into this as I am sure I am not the only one they are doing this to.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have written several letters to XXXX Equifax and XXXX about multiple inquiries on my credit profile that were not authorized by me. The dates on which I submitted those letters are XXXX and XXXX/XXXX/XXXX. I have not received a response and the unauthorized inquiries are still appearing on my credit profile. I am looking into purchasing a home soon and the inquiries are affecting my credit score.
Complaint sub-issue: Their investigation did not fix an error on your report

This account continue to be a mystery to me, I do not have a financial obligation with this company. They have no verifiable proof. 

XXXX XXXX XXXX : {$11000.00}
Complaint sub-issue: Debt is not mine

I am being accused of having a Discover Card debt that I did n't pay off, so Discover has turned over the account to another company ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to harass me. I knew nothing about this, I 've NEVER used a credit card, the name is not even my legal name, now a sheriff served my mom papers where this attorney office is threatening to seize my properties! This is so wrong to do to people! I 'VE NEVER OPENED A CREDIT CARD!!!!
Complaint sub-issue: Fraudulent loan

On XX/XX/2022 I purchased a vehicle from XXXX in XXXX XXXX at XXXX XXXX XXXX. After doing my own research and checking the vehicles XXXX I found out the vehicle had a lemon buyback title. This was never disclosed to me after going back up to the dealership and having several conversations with them. They informed me that I signed a XXXX History report stating it was a lemon. I explained to them I never did and they printed the document out, after seeing the paper I instantly realized the signature was not mine and I never seen the document. They Forged my signature and never informed me of the vehicle being a lemon. I would of never signed loan documents if they would of disclosed this was a lemon ... This whole loan is fraudulent! Look at the signatures on both of my documents then compare it to the forged lemon XXXX vehicle report. This loan was not made with truth and credibility.
Complaint sub-issue: Reporting company used your report improperly

, After receiving my credit report I noticed an extremely high number of unauthorized inquiries on my credit report .Which I have not giving any consent to. This is a violation of my privacy as well as ruining my reputation. It has been very difficult for me and my family and has put a lot of XXXX  on me not being able to get approve for a mortgage I recently applied for .Its seems to be XXXX and its agents are being unfair and partial, nor have I giving any consent, Under 15USC 1681b they had no permissible purpose. 
I have not giving XXXX  any order to furnish these reports and I have never consent to these reports in the beginning. This would be considered identity theft .I have reached out and spoke with an fraud specialist at XXXX  where we spent over an hour disputing these inquiries. I would like to request these inquiries be removed and requesting your assistance thats there is a proper investigation. These reports are impacting me negatively which makes it extremely hard to get housing for me and my family. I would also like to request proof of any written authorization XXXX  has received from these creditors showing that I have made consent to these authorizations and That they investigate in good faith. I will attach a copy of the laws that XXXX  will be in violation of below.

15 U.S. Code 1681b ,15 U.S. Code 1681c2, 15 U.S. Code 1681d, 15 U.S. Code 1681e, 15 U.S. Code 1681i, 15 U.S. Code 1681n, 15 U.S. Code 1681q, 15 U.S. Code 1681s. 
If there is any question or additional information needed feel free to reach out me Sincerely, XXXX XXXX where prohibited by law
Complaint sub-issue: Problem with personal statement of dispute

There a bunch of hard inquiries that shouldnt be on My credit report
Complaint sub-issue: Reporting company used your report improperly

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) 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 noncompliance ( Section XXXX ) if you fail to comply. 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. 

XXXX. XXXX XXXX XXXX ( Account XXXX XXXX ) XXXX. XXXX XXXX ( Account XXXX XXXX )
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

XXXX unauthorized charges took place on XX/XX/XXXX, XXXX {$1700.00} and XX/XX/2022, for {$850.00}. A car wash was purchased before the transaction at XXXX XXXX XXXX In XXXX. Citi Bank concluded that it was a valid charge because an authorized car wash was done before an unauthorized transaction at XXXX XXXX, which is located in the same city. When the investigation occurred, Citi Bank credited the account partially. It was never a full temporary refund credited. The entire time this account was open, Citi Bank was aware that the primary card was lost and the secondary card was the only card accessible on the bill. It wasn't a problem because the secondary card was ordered to help the authorized user establish credit. Citi Bank was also informed about a recent identity theft my family and I encountered. Citi Bank claims that they spoke to me about the investigation and that all phone calls are recorded. I would like for it to be forwarded to me as I would like to review it. As I mentioned to them, the car wash was authorized purchased, not enterprise. It was also said that I had done business with the merchant. I have attached the XXXX XXXX XXXX XXXX call and procedures about payment authorization. There was never a contract between myself or an authorized user on my account with the customer or XXXX. We have asked for a proper investigation of both XXXX and Citi Bank. XXXX stated they don't have any information for me or an authorized user in their system. Citi Bank HAS FAILED TO DO AN PROPER AND ACCURATE INVESTIGATION. IF CITI BANK FAILS TO COMPLY OR CONTINUES WITH INACCURATE INFORMATION, WE ARE CONTACTING THE STATE ATTORNEY 'S OFFICES
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have over 23 inquiries on my Equifax credit file, I want these inquiries removed they are fraud I have filed a FTC identity theft report, I do not recognize these inquiries, Equifax has failed to even help knowing I filed a FTC identity theft report about these inquiries please remove these inquiries off my credit report it is my right to dispute any wrong or fraudulent information in my credit report And please remove this fraud alert on my Equifax credit file I did not ask for this to be put on my report and I want it removed immediately, thank you
Complaint sub-issue: Their investigation did not fix an error on your report

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 in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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

Im sent multiple ftc reports and 605b letters to Equifax XXXX XXXX XXXX. They refused to block information from my report. All of the following items are a result in fraud. 
XXXX. XXXX XXXX at XXXX XXXX {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX {$21000.00} XXXX. XXXX XXXX XXXX XXXX  ( XXXX of XXXX Florida ) {$240.00} All Done Fraudulently!! Name & Address The following Name XXXXr XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Money was taken from your account on the wrong day or for the wrong amount

So what happened was that cashapp closed my account without any notice and I got my check sent to my account and now it got bounced, I tried contacting cashapp and they haven't replied to me, I just need to know the tracking number of the money that got " sent '' back to my job or else I will not get paid for the days that I worked and if you guys need to know for what company it is XXXX.
Complaint sub-issue: Banking errors

Citibank is e ngaging in fraudulent behavior where they publicly advertise a promotional offer to attract new users, make them open a new account and add new funds into their account then, first : refuse to recognize the existence of the promotion and later : refuse to acknowledge that the user was part of the promotion.     In my ca se : 1. I sa w this promoti on on Citi 's websit e on   XX/XX/XXXX  ( see   attached file )   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    2.   Checked the box on this page that says " I want to open a  Citibank   XXXX   XXXX    Account now '' and clicked the "  Enroll  now '' button. I then opened the account the same day.      3. A s required by this promotion 's terms, I deposited {$50000.00} from my external bank account into this new  Citi Savings a ccount  on   XX/XX/XXXX   (   see attached bank statement ).      4.  As required by this promotion 's terms, I kept pas t  XX/XX/XXXX   ( see attached bank statement ).      5. I c ontact ed Citi short after  XX/XX/XXXX  ab out the bonus and was asked to wait until " 90 calendar days from the date when you completed all offer requirements '' which would have been   XX/XX/XXXX .        6. I contacted Citi a few days ago and first got a canned response referencing an entirely different promotion that I never inquired about.
7. The second response stated that " offers are only available to the individual to whom the offer was addressed. '' 8. I se  arched on the web and it appea rs Citi is u sing this excuse to refuse the bonus to many of its customers who relied on this promotion. Most importantly, the promotional terms  make *NO MENTION* that the off er is only available to whom the offer is addressed. In fact, since the offer was publicly available and accessibl e on Citi 's  website, it is a " unilateral contract '' in which anyone that the offer does not exclude, is eligible for the bonus, so long as the terms are met.     For the reasons stated above, and based on my research online where other users have shared similar stores, I have reason to belie ve Citi is   engaging in a pattern of promotion fraud.
Complaint sub-issue: Information belongs to someone else

I went to my bank to see where to start in order to get a loan for a home. The loan officer told me that I did not qualify. I have been with this credit union for 20 years and has never had a problem. I went and loo at my credit and there are things on there that are not mine and would like for you to remove them XXXX XXXX XXXX and XXXX XXXX XXXX. 
I got contact with FTC and i have call police
Complaint sub-issue: Attempted to collect wrong amount

This company has continued to try to collect a debt for an incorrect amount. There was an amount that was supposed to be billed to my insurance company but it was not. Despite speaking with the original company about this multiple times, that information was not relayed to the collection agency, who is now reporting a collection on my account. I have no problem with paying the correct amount, but since the original company didn't bill my insurance company, there was no way to know what the correct amount is. I attempted to give the company my insurance information multiple times, but they still continue to claim that they never received it. Instead of getting the correct balance information, the collection agency started reporting the incorrect amount as a collection on my credit report.
Complaint sub-issue: Information is not mine

In XXXX, I was the victim of identity theft. Thieves stole my personal information and opened a credit account at a retailer ( XXXX ). Although XXXX cleared my account the hard inquiry still shows upon my credit report at Equifax.
Complaint sub-issue: Threatened or suggested your credit would be damaged

The debt by XXXX ( XXXX XXXX XXXX. ) for {$64.00} has been disputed by me several times. I canceled my internet service and was told that no charges were owed but they still billed me for the next month. I have never received a response from the debt collector verifying the validity of the debt. This account was closed and charges posted after closure by XXXX. I have disputed the account in writing but I C System has still reported this as a collection account to credit reporting agencies.