Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Deposits and withdrawals

I opened up a XXXX XXXX XXXX ( or sometimes referred to as Banco Popular ) account. I made an opening deposit of {$25.00} of which was to be transferred by XXXX XXXX. On XXXX XXXX XXXX, I was told that XXXX XXXX rejected the {$25.00} ach transfer and that the XXXX XXXX XXXX account would be closed that night ( because it is their policy to automatically close accounts in which the initial funding has failed ). On the same day ( XXXX XXXX ) I transferred {$10000.00} from my XXXX XXXX account to my XXXX XXXX XXXX account. The funds arrived in my XXXX XXXX XXXX account on XXXX XXXX. Since then I have been told that the XXXX XXXX XXXX  account is in process of closing and that the {$10000.00} would be returned to the bank that the money originated from ( which was XXXX XXXX ). It has been 18 days since I was told that the Popular Community Bank account would be closed ( which was on XXXX XXXX ). They told me that they will not transfer the {$10000.00} back to XXXX XXXX until the account is closed. They have been holding my {$10000.00} hostage for 18 days now and simply take their time closing my account. I have called them 6 times and have been into their branch on XXXX XXXX XXXX in the XXXX NY and nothing has been done. Please take action in any way that you can.
Complaint sub-issue: Trouble getting, activating, or registering a card

Key Bank sent the card to wrong address, it was there error. I couldn't get them to mail me the card caused me to miss 6 weeks, {$6000.00} In unemployment. Was brutal.
Complaint sub-issue: Reporting company used your report improperly

On XXXX/XXXX/XXXX, I learned about the Equifax hack that compromised 143 million people through the internet. The company took ZERO steps to let potential victims know that their information could have been compromised. 

Unfortunately, I am one of those people after looking at my credit report on XXXX/XXXX/XXXX with a different company. My information was used to get insurance on XXXX/XXXX/XXXX. I am currently having this be disputed by the different company as well. 

I understand that fraud can happen to anyone if you 're not careful, but in this situation, it is not my fault. The fault is on the company who did n't share the initial news back in XXXX. 

Had Equifax been upfront on the breach, I would 've instantly placed the initial fraud alert and the business that happened on XXXX/XXXX/XXXX would 've been prevented. But no. Instead, Officers of the company sold their stocks and the breach was n't found out until XXXX. Now I have to file a police report and extend the alert to 7 years and continuously do so after ; that information can be used all throughout your life, and I refuse to have my identity repeatedly stolen because of the negligence of others.
Complaint sub-issue: Credit denial

On or about XX/XX/2019, I submitted a boat application to XXXX XXXX XXXX XXXX for a " XXXX XXXX  XXXX XXXX XXXX XXXX '' XXXX XXXX XXXX ( Standard Package ) for one primary applicant. 

On XX/XX/2019, I received a call from XXXX of XXXX XXXX stating that my application had been approved by Aqua Finance for about {$27000.00}. The advertised base price of the boat I wanted was {$25000.00}. However, after visiting several XXXX XXXX/XXXX XXXX XXXX, the same boat listed was for significantly more than my approved loan amount. 

I, subsequently contacted XXXX of XXXX XXXX and asked for a reconsideration of my loan for {$34000.00} because I couldn't find a boat for the original amount of {$27000.00}. I was told in order to qualify for a higher amount that my wife had to be included to my application with her income being verified. I declined to add my wife to the application. And that I like to retain my initial loan approval. I never submitted a separate loan application with my wife included. 

The next day I was told by XXXX ( XXXX XXXX ) that Aqua Finance had rescinded my initial loan approval because I had not provided proof of income. How can this be? I had already provided all requested information initially and I WAS ALREADY APPROVED! 

On XX/XX/2019, I contacted Aqua Finance to find out the reason for my initial loan approval had been rescinded. I spoke with XXXX and was later transferred to speak with XXXX. The only information they would provide was that my applications had been denied for lack of income verification. I then asked what was the income thresholds for a {$27000.00} loan? They didn't known the answer or they refused to tell me. 

How could you rescind a loan that has already been approved and in effect for about a month and then later claim that income was not sufficient or had not been provided? What changed since the initial approval until now? The only change was when I refused to apply for a joint account with my wife for a higher loan amount. 

Regulation B, the implementing regulation for the Equal Credit Opportunity Act. Section 202.7 ( d ) External Link of Regulation B generally provides that a creditor shall not require the signature of an applicant 's spouse who is not a joint applicant on any credit instrument if the applicant qualifies on his or her own. 

I believe that I have been discriminated against based on the above citation ( marital status ), because I refused to reapply for an already approved loan with my wife. Thereby changing my initial one person application to a joint application.
Complaint sub-issue: Received unwanted marketing or advertising

Notice To Intent Equifax, a global data, analytics, and technology company, who play an essential role in the economy by helping companies in diverse industries such as automotive, communications, utilities, financial services, XXXX, XXXX, insurance, mortgage, professional services, retail, XXXX, and government agencies, make critical decisions with greater confidence. Equifax who also collects personal information from XXXX XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) is a provider of bankruptcy information to Equifax. In my case, my Bankruptcy was obtained unethically because, I was an Uninformed Consumer during this Transaction and you have defamed my character and has affected my Livelihood. You stated that you obtained my bankruptcy from XXXX XXXX however, XXXX XXXX has removed the bankruptcy due to FCRA Laws not being followed. Please see Supporting Documents.
Complaint sub-issue: Personal information incorrect

I have looked over my credit report and I see several addresses I do not live at listed on my report. the following address are not mine and need to be removed. My Name is XXXX XXXX. XXXX XXXX, My employer is XXXX XXXX XXXX XXXX the following address are not mine please delete XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX , XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX
Complaint sub-issue: Funds not received from closed account

My checking account was closed by PNC bank without my consent. After closure they never sent me a check of my remaining fund in the account and won't let me access the fund in the branch. I contacted XXXX XXXX in the retail escalation department phone number XXXX, whom said would help me follow up with the issue and whatnot. She never did, and everytime I call her it's straight to voicemail. Highly unprofessional. PNC is keeping my funds as interest free loan and I demand my fund sent to me immediately before I take legal actions.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.
Complaint sub-issue: Information belongs to someone else

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 
Please the summary of the negative accounts below ; XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$650.00} XXXX XXXX XXXX XXXX Balance {$4200.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$230.00} XXXX Original creditor XXXX XXXX XXXX XXXX XXXX {$2200.00}
Complaint sub-issue: Information belongs to someone else

I already disputed this account ( XXXX XXXX  XXXX ) and filed a complaint thru FTC last XX/XX/2021 with Ref # XXXX and it was deleted under Equifax, XXXX  & XXXX  from my credit reports. However, on my updated credit reports XX/XX/2021, a newly added account appeared under a different name which is XXXX/XXXX  which is basically the same as XXXX because XXXX stands for XXXX XXXX XXXX  and with the same account number XXXX is reporting negative under Equifax & XXXX. I've attached a copy of my credit report summary showing that it has been deleted and was added back again. I want this to be removed. I have contacted them before to demand validation of the said account and have it closed but I have never received any validation. This is a scam and I want this to be thoroughly investigated promptly. This inaccurate account is being reported negative in my credit records again and is hurting my financial stability. I have disputed this and was deleted but they've added it again.
Complaint sub-issue: Didn't receive enough information to verify debt

TrueAccord reached out to me to pay a debt to XXXX. they offered a discount with just removed their fees. I paid the amount in full and it's been over 30 days and they have not paid XXXX for the debt. XXXX stated they have not recieved payment and the company has stopped returning my emails.
Complaint sub-issue: Information belongs to someone else

I have been a victim of Identity theft. My information has been exposed in the Equifax data breach. The following accounts, inquiries, and inaccurate addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me. I am submitting this complaint today to inform you about this matter. I researched on how to remove the fraudulent information in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance Owed : {$570.00} XXXX  XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX BANK OF XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Account information incorrect

( 103 True identity theft ) REPORT NUMBER XXXX XXXX Report Number : XXXXXXXX XXXX File Number : XXXX i am a victim of the Equifax data breach and ive filed my claims accordingly ive been attempting to clear my credit report of these fraudulent items as far back and ive been unsuccessful XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On I XXXX I booked a trip on XXXX  very excited about this vacation! Then unfortunately COVID-19 happened and I received an email from XXXX saying they are canceling my trip due to the COVID-19 ... I wasnt too happy and I understand its out of everyones control! So they tell me I can only get a credit that has to be used within a year during a nationwide pandemic and we have no idea when this pandemic will end!! Per there cancellation policy if I can I will receive a credit .... I Didnt cancel the trip they did!!!! So i file a dispute with my credit card company and its been three months and they closed my case & refuse to give me a refund!! In the mean time I lose my job & need my money back from this company that is trying to keep it!! I have no idea when the country is going to get back to normal & I am currently unemployed ... : i cant even believe this company is putting up a fight about this!! I need helping getting my money back all if this was out of my control!!!
Complaint sub-issue: Old information reappears or never goes away

4 accounts are over 7years old and has been closed for over 7years its legally supposed to be removed.
Complaint sub-issue: Reporting company used your report improperly

I'm a living human being, a natural person. I have rights under 15 USC 1681. 

Equifax is governed by 15 USC 168XXXX. My rights to privacy have been violated, I did not give Equifax permission verbally nor did I give them written permission to display in private or in public, these accounts on my credit report. I need these accounts removed asap. accounts listed below. Thank you. 

XXXX XXXX XXXX, XXXX  ( tXXXX XXXX XXXX XXXX  ) XXXX XXXX Ct XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Mortgage XXXX Bank XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance
Complaint sub-issue: Information is not mine

I sent a letter to Equifax letting them know I have been a victim of identity theft and there were several accounts on my credit showing that did not belong to me. Equifax has not removed the accounts and have sent me a letter back saying that the items had been verified. I contacted the courthouse where the public record was filed and they told me that the Circuit Court does not verify any information to the credit bureaus. The information that has been reported has been due to identity theft and has already been investigated however, Equifax is neglecting to delete these items from my credit report.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX account is adding interest onto a charged off account. The account was charged off. The rep told me at court that a judge can agree to make me pay more interest but i have no judgments about court ever. They are reporting two different amounts owed to experian and equifax. Equifax is also reporting that the loan is on time in 2021. The amount not the same on my credit reports, thus making reporting information incorrect and should be removed from my credit report for inaccuracies.
Complaint sub-issue: Don't agree with fees charged

I took out a student loan back in XXXX in the amount of $ XXXX for XXXX school. I started paying them back but after 3 years I was pregnant, moved, and did n't work for a while. They deferred the loans but eventually they went into default. My loan is currently with XXXX XXXX Texas Guaranteed XXXX XXXX XXXX XXXX and they received the loan XXXX/XXXX/XXXX with a balance of {$16000.00}. As of today, XXXX/XXXX/XXXX ( 23 years later ), my balance is {$18000.00}. Now I could understand this if I had not been making payments. However, I have consistently been making payments and have paid to date on this loan the amount of {$42000.00}!! XXXX keeps adding collection cost even though they never have to call me. I feel that for the amount of money that I have been paid back, that I have satisfied my debt to the federal government which was in the amount of a little over {$17000.00}. I wrote XXXX DC and they wrote me back stating they were investigating my case and then nothing. Every time I called I could n't get anyone on phone. I do n't know where to turn and hope that someone can help, and hopefully that someone is the Consumer Financial Protection Bureau.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Re : Victim of Identity Theft. This is not an error. 

******************************************** I have been dealing with unauthorized use of my personal information which resulted in unauthorized items on my credit report. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name. I did not authorize these inquiries to be taken out in my name.
Complaint sub-issue: Account status incorrect

I settled my account with XXXX XXXX XXXX and would like for this information to be removed from my Equifax and XXXX Credit Report.
Complaint sub-issue: Personal information incorrect

I recently obtained a copy of my credit report and noticed some erras. I noticed multiple addresses that I never resided, and also incorrect name being reported. 

I atteched a copy of my drivers license and social ( SEE ATTACHMENT ) My report should only refect one name and address!
Complaint sub-issue: Reporting company used your report improperly

In accordance with The Fair Credit Reporting Act XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A. Stated that 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: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I filed a complaint with Equifax about inquiries that were on my credit profile. Instead of the company clearing up this matter, they decided to ignore my request to validate the inquiries. They insisted that I had to follow up with the companies because the companies were the ones who placed the inquiries on my account. I told them that I was filing a dispute about their reporting and that it was their responsibility to make sure that the inquiries that they were reporting should be validated on their end. They chose to ignore my request for validation. I followed up with a second letter on XX/XX/XXXX asking them again to validate the inquiries but they chose to not validate the accounts and Instead place a fraud alert on my credit profile instead of doing their jobs and completing the investigation. I am concerned with the validity of these inquires on my credit profile and it represents a serious error in their reporting on my credit profile. Both letters were sent via certified mail and the signature receipts are attached to this as well.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX auto XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX inquiries on my credit report that I did not do.. I talk to the representative at XXXX XXXX told her that I spoke with these companies and they had no information about me ever applying I asked her to remove them and she told me that she couldnt do that..
Complaint sub-issue: Debt is not yours

IC SYSTEM is claiming that I owe them {$420.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Ive spoken with each credit reporting agency about this matter. They was suppose to be removing inquires within XXXX hrs and mail updated copy of my report which none of the companies did. Which is a violation of my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX