Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Public record information inaccurate

i applied for a checking account with us bank i checked the box that asked if i wanted to attach my usbank credit card to the checking account no where did it say on the application that i was applying for a usbank credit card they did a hard inquiry on my credit i asked them to remove the hard inquiry they refuse to remove it they say it was part of the application process this makes no sense i don't think that you have to apply for a credit card to apply for a credit card to apply for a checking account at us bank and if you do they should tell that you are applying for a credit card
Complaint sub-issue: Information belongs to someone else

Im a victim of identity theft. Someone stole my drivers license, social security card, XXXX XXXX XXXX XXXX XXXXXXXX XXXX Visa credit card : XXXX, and my XXXX Visa credit card : XXXX from my mailbox, the United States Postal Service mail. I never received my drivers license, social security card, XXXX XXXXXXXX XXXX XXXX XXXX XXXX Visa credit card or my XXXX  Visa credit card in the mail. Someone stole all of my mail. There are fraudulent and unauthorized charges on both credit card accounts. My entire credit limit of {$2500.00} and {$2900.00} was used in a fraudulent and unauthorized manner.
Complaint sub-issue: Information belongs to someone else

I have a hard inquiry that is fraudulent somebody else did it. I didnt do it its not mine. The inquiry is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The phone number is XXXX. Just wont report it in XX/XX/2022.
Complaint sub-issue: Debt was result of identity theft

XXXX XXXX XXXX XXXX has file false information on my credit report that maybe do to identity theft this account is not mines I have never been here or used there services every by law this wrong to report inaccurate information on my credit
Complaint sub-issue: Debt is not mine

I requested validation of this debt XX/XX/XXXX and this collection agency sent a letter in response that they were deleting it from my credit report, however when I got the results from my dispute the account still remained on both XXXX and XXXX. I sent in a copy of the letter received stating the account would be removed to both of these bureaus and still they are saying that Enhanced Recovery is verfying the information to be correct. This makes zero since being that they have put in writing they were removing the account. As you can see the deletion letter is dated XX/XX/XXXX and the XXXX credit report is dated XX/XX/2016 and when XXXX verified this information they had a copy of the deletion letter on file.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/XXXX XXXX XXXX gained unauthorized access to my credit report.
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

XX/XX/2019, Best Buy informed me that the credit limit on the account was decreased from {$2500.00} to {$350.00} due to my inability to make payments on the account due to becoming unemployed which the company was informed of. A written letter claims it was due to my credit score dropping. Currently, if I do not make a payment the account will be charged late fees as well as potential over the limit fees. Until recently, within the last three months, the account was always current and payment was made on time for numerous months in a row never going over the limit. None of that effort was taken into consideration. I'm reasonable and understand that payments have to be made and that there are consequences but lowing a credit limit to the point of potential double fees in not reasonable.
Complaint sub-issue: Information belongs to someone else

To Whom It May Concern:This letter is to inform you that I recently received a copy of my credit report and after reviewing it I found a number of items on the report that are inaccurate. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 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 accounts that you are reporting in my credit report. Please don’t respond to my request by saying that these accounts have been verified, I would like send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd 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 each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. I demand the following accounts be properly verified or removed immediately. 1.	Name of Account: XXXX XXXX XXXX Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX2.	Name of Account: XXXX XXXX XXXX Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX3.	Name of Account: XXXX XXXX XXXX Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX4.	Name of Account: XXXX XXXX XXXX Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX5.	Name of Account: XXXX XXXX XXXX Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX6.	Name of Account: XXXX XXXX XXXX Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX7.	Name of Account: XXXX XXXX XXXX Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX8.	Name of Account: XXXX XXXX XXXX Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX9.	Name of Account: XXXX XXXX XXXX Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX
Complaint sub-issue: Account status incorrect

XXXX/XXXX. XXXX is incorrectly reporting me delinquent on my account when I am on a forbearance. They have damaged my credit. I have tried in every way possible to come up with a solution for them to have this removed for now and now they dont wan na work with me because of my credit. I need help with this. All three credit bureaus are impacted due to XXXX reporting this
Complaint sub-issue: Public record

I have successfully disputed with XXXX, but Equifax will not allow my dispute on their website. This judgement was entered incorrectly and erroneously by the creditor 's attorney and should not be on my credit report.
Complaint sub-issue: Information belongs to someone else

A credit card account was opened on XX/XX/2019. {$210.00} is up for collection and I'm not aware of this account. I didn't open it. I have disputed it but it still shows on my credit report.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

The bank is not disputing my charge and this has been happenning for over 2 months now where we are getting different answers every time we contact the bank. 

This charge is from XX/XX/2021 where this company where we bought the product estimated a delivery of 7 months. Time has passed and we still dont have the delivery, they took our money and now they are not refunding us once we decided to cancel the order. The company must know the bank rules on disputes and they are scamming several customers with that. They wait until the time frame for disputes is reached and then they never refund our money. They keep stating on emails that the billing team is processing the refund but this has been happenning for almost 2 months now. Citi has been taking my dispite over the phone and ibe filed at least 10 tomes already. The last time they told me to mail everything in on the dispute since it was over a year old. I have never received the item and this company is about to go out of business and they are trying not to keep their word of allowing cancelation for ANY REASON until the item has shipped. The item has not shipped and it was originally due around XX/XX/2021. Then they delayed it a few months to keep us on the hook. Citibank is not protecting me as their customer and I used a credit card for this reason so i dont end up loosing my money. Citibank also had me on hold for XXXX minutes and then the lady came back claiming she couldnt hear me. Very convenient for her. I just asked to speak with a supervisor The Citi Bank has given us different answrs on the phone and now they are stating that they can not dispute a charge that is over 6 months.
Complaint sub-issue: Attempted to collect wrong amount

In 2016 things were on Credit report that were in accurate and are still on my report to this day and I wrote letters numerous times to get a thorough but still no response
Complaint sub-issue: Public record

My Ex-husband has n't filed his taxes since 2010. A tax lien was placed on all of my credit reports. I have been given a document stating that this tax lien is not mine and asked all XXXX credit bureaus to remove it. XXXX + XXXX have changed their report but equifax still has it listed as my lien. I have a tax lien release paper that says I am not responsible. Please have equifax remove this lien that does not belong to me. And a copy sent to me stating it has been removed so my credit score can go back to where it was please? Thank you XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX XXXX, 2019 XXXX XXXX. XXXX XXXX Application Number XXXX XXXX, WY XXXX Weve helped protect your identity. 
Dear XXXX XXXX : Were XXXX XXXX XXXX and we handle everything related to the XXXX XXXX XXXX XXXX XXXX credit card. 
We received the correspondence you sent to the Consumer Financial Protection Bureau ( XXXX. No. XXXX ). You indicate an application was submitted for a XXXXXXXX XXXX  XXXX XXXX credit card using your personal information. You did not authorize anyone to view your credit file and state it is a violation of the FCRA. You request documentation validating your authorization or the inquiry deleted from your credit file immediately. 
No account was opened in your name. We requested the credit reporting agencies remove the inquiry from your credit report. It may take up to 45 days for the credit reporting agencies to update your credit report. 
We suggest you take the following steps to help protect your identity :
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the XXXX XXXX XXXX XXXX account .Ive Been trying to verify this account for four months from XX/XX/XXXX -XX/XX/XXXX and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof
Complaint sub-issue: Debt was result of identity theft

On XXXX XXXX. XXXX XXXX XXXX XXXX XXXX reported on my credit with a remaining balance of XXXX XXXX I file for dispute threw XXXX I also sent a police report still no Results.
Complaint sub-issue: Money was taken from your account on the wrong day or for the wrong amount

On XXXX XXXX, I was charged twice with a vitamin company in the amount of {$410.00}. I receive SSDI benefits through a company called Direct express where benefits are available to me monthly. On the month stated I filed a Fraud investigation because the vitamin company charged me for vitamins on a free trial basis and unfortunately I missed the deadline to cancel that trail. I contacted the company to let them know that I was no longer interested and right after contacting the company, they sent another package to me. I immediately returned that package but was charged twice through my Direct Express card. I immediately contacted Direct Express with no luck talking to someone, finally I was able to talk to someone a day or two later and I was told that because It was filed as a Fraud transaction that I was given the money until it was investigated. On XXXX XXXX, I received a letter saying the {$410.00} was reversed because not enough information was found. I talked with numerous customer service agents and nothing has been done to return the money I am owed. The vitamin company has received two payments from me and I have returned the second package and Direct Express still will not return my money
Complaint sub-issue: Problem with statement of dispute

This is regarding an old Foreclosure account that went past due as of XXXX XXXX. This date of XXXX is also the last active date. The account is held by XXXX XXXX XXXX in Texas. XXXX XXXX and Equifax are claiming the " last active date '' is XXXX of XXXX. Therefore, the account should no longer be reporting. I have sent ( twice ) to Equifax a Mortgage statement from XXXX XXXX Mortgage XXXX that reflects the account was 3 months past due by XXXX of XXXX. In summary, this account should be gone and Equifax is stating they can not use my supporting documentation. When I tried to call XXXX XXXX XXXX, they claimed they can not take " inbound '' calls in the research department and that is the only department ( based on what customer service stated ) that would handle wrong reporting dates. Please help. I am attaching all documents. 
This issue is only with Equifax. The other Bureaus have removed the account already in XXXX. 
Thank you, XXXX XXXX XXXX
Complaint sub-issue: Personal information incorrect

On XX/XX/XXXX, I attempted to contact Equifax to temporarily unfreeze my credit file so XXXX XXXX  can review my credit file so I may apply for a {$100000.00} Personal Line of Credit. I was unable to access MyEquifax.com and was instructed total XXXX XXXX Note : I called 5 other telephone numbers : XXXX ; XXXX ; XXXX ; XXXX ; and XXXX all to no avail. I called and answered the automated identification questions and was told that I could not be identified and to either fax or mail in my full name, address and former addresses, drivers license, social security card, date of birth, utility bill and description of my concern. On the same date, I drafter a cover letter memo with all of the above-mentioned requirement and faxed to XXXX ( Note : that on XX/XX/XXXX, I called Equifax and spoke with XXXX, CSR and she said that the fax number was old and gave me fax number XXXX ) so I resent the fax. I also mailed the same information by certified mail return receipt requested. Today XX/XX/XXXX, I received correspondence from Equifax stating We were unable to locate a credit file in out data base with the identification information you provided and that The documents you provided were illegible. All of the documents that I provided were in color very large and clear. The correspondence is also asking me to provide ALL of the identifying documents that I just faxed and mailed. Also on my credit report dated XX/XX/XXXX, my birth date and the town that I reside in is incorrect which may be the issue.
Complaint sub-issue: Company closed your account

I recently was a victim of fraud where there was an account takeover of my Macys American Express. The fraudster  had complete control of everything, my email, they shut down my cell phone, and all information was updated to their own. On the XXXX of XXXX I called Macys AMEX to find out that there were several fraudulent charges and that the fraudster closed down my credit card on XX/XX/XXXX. I stated that this is unacceptable since I did not close the account down and advised that it will also impact my credit history. At first they stated there was nothing they could do about it. I then asked for a supervisor who told me that they were going to research the interactions verifying that it was not me. I have not received a callback. They also could not tell me if it was just my AMEX line or both the AMEX and store credit line.
Complaint sub-issue: Account status incorrect

I am so bewildered about this situation. I've submitted this complaint 2 times & CFPB & EQUIFAX are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, I'm beyond annoyed. The following accounts listed below were opened due to identity theft. I've provided you ( CFPB ) & EQUIFAX with an affidavit & FTC fraudulent report to support my position. It seems EQUIFAX is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful non complying and being truly negligent. I'd like these accounts blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told me I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see this matter is handled. I'd like the accounts removed/blocked per 605b with the attached documents again... Thanks XXXX XXXX XXXX XXXXI XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Fee problem

On Tuesday XX/XX/2018 the bank assessed a XXXX dollar ( {$36.00} ) 'overdraft paid ' fee. Apparently, the fee was resultant from a temporary hold or authorization pending on the account. The two transactions, in question, ( {$50.00} and {$120.00} ; respectively ) did not actually post to or debit from my account and using the banks own terminology never once moved from the temporary authorization pending to completed categories and has since 'dropped ' off the account completely, as expected. 
I would argue that the account balance was at no time placed into a negative balance based on the transaction type, by design, being transitory. It's my contention that the bank intentionally delays settlement of transactions, of this type, in an effort to maximize the opportunity and occurrence of these contrived, disingenuous fees ; under the guise of revenue generation. 
It's clear to me that charging this fee is a deceptive practice and an attempt to collect rent seeking revenues from its customers. In so doing, this deceptive practice, causes financial harm to its account holders.
Complaint sub-issue: Information belongs to someone else

I have some accounts on my credit report that do not belong to me. 

- XXXX XXXX XXXX - {$650.00} - XXXX XXXX XXXX - {$640.00} My credit is reporting as much lower than what it should be due to these fraudulent accounts. I have tried to contact them over the phone but they just want me to pay them.
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX  XXXX Balance : {$92.00} XXXX XXXX XXXX XXXX Balance : {$64.00} XXXX XXXX  XXXX Balance : {$2100.00} XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$610.00}
Complaint sub-issue: Account status incorrect

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

The did not do this. 

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because under 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency may not provide an account without my written instructions I did not give anybody written instructions. 

I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 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 knowns or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Other problem getting your report or credit score

Equifax has a lock on my credit file that I did not put on, they also for some reason do not have my birth date on file or my current address. I just purchased a house last year and had no problem getting my credit report and now I can't get my report and My wife has XXXX and I need to refinance my house to help pay bills and equifax is holding me up. They gave me a fax number to fax information to them on Monday and the number was not working, I called them back and they told me they only have ONE fax machine for all of Equifax. I need my credit report and they are no help. I spoke with a supervisor named XXXX and she told me to have the credit file run with my old address but XXXX XXXX   could not do that due to underwriting thinking I don't live at my current address. Please help me
Complaint sub-issue: Account status incorrect

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, PA XXXX XXXX, GA XXXX To Whom It May Concern ; I need clarification as to why are. you reporting certain information on my credit report. Please review the following : Account name : XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX  YOU ARE REPORTING THESE ACCOUNTS AS CHARGED OFF YET, YOU ALSO REPORT A MONTHLY PAYMENT! DELETE ACCOUNTS IMMEDIATELY FOR INACCURATE REPORTING. 

After you finished my request, send me a copy of my credit report reflecting these changes. 

Thank You, XXXX : XXXX