Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Trouble using the card to spend money in a store or online

My XXXX is blocked and has been for two months now. After spending 2.5 plus hours on the phone the first customer service person said yes there is a block and she connected me with the Dept who handles that. 15 minutes later someone comes on and now says there's NO block. So I said then you are trying to tell me XXXX, my phone company, XXXX, and half dozen other merchants are the problem and not the card? She was obviously lying and said " yes there's no block ''. Then she said it would clear up soon. Its not blocked yet they'll have it fixed soon. That was almost two months ago and the card is only works at an ATM.
Complaint sub-issue: Account information incorrect

My complaint is against XXXX XXXX and all 3 credit bureaus ( EQUIFAX, XXXX, XXXX  ) .I am writing to inform you that I am a victim of identity theft. My personal information was compromised and as a result fraudulent Charges were included on my account. I want to state it crystal clear here that I did not benefit with anything whatsoever from this fraudulent charges included on my report. Please note that I took this XXXX business card under a company I worked for called XXXX XXXX. But alas later at the mid-XXXX, the card started incurring fraud charges. The company business was to pay up the XXXX  account in regards to the receipt I give them. The information of the account ins the following : XXXX XXXX ACC # XXXX******, Date Opened XX/XX/XXXX, Balance {$0.00} I also tried to dispute this incident with all 3 credit bureaus ( EQUIFAX , XXXX , XXXX ) and nobody even investigated the account as the law demands and should have also BLOCK the account as the FCRA requires and that is a violation to the California reporting act. Im also attaching letters sent to credit bureaus with a Federal Trade Commission report filed on XX/XX/XXXX that they received. 


Im attaching letters I sent to creditor in this case XXXX XXXX and Im also attaching them a copy of an unfiled SC-100 that I will file in the case that XXXX XXXX dont remove fradulent account from my reports.
Complaint sub-issue: Their investigation did not fix an error on your report

I've been writing letters to credit bureaus for months now.. I know I don't deserve this erroneous information you are placing on my credit report. I have always been a responsible payor. I am very disappointed on the development of how Credit Bureaus fix my credit report, very slow! CFPB step up and fix the errors reported on the following accounts : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Complaint sub-issue: Account opened as a result of fraud

Someone opened a Debit/Savings account in my name through PNCBank. I have tried several times to get the account closed through PNCBank without success.
Complaint sub-issue: Account terms and changes

My address with equifax along with the other credit bureaus was updated in fact my address was updated on XX/XX/2017 and all fraudulent addresses was deleted. I currently monitor my credit very closely due to being a victim of identity theft so I got a alert this morning stating my current address was deleted and the fraudulent address was add back on I contacted the company and was on the phone for 2 plus hours with no result they said my current address was never on there they never changed it and I did n't send in the documents to have it changed which I did I am enclosing picture proof they will not change my address back to my current address and remove the fraudulent address my current address is XXXX XXXX ca XXXX I also am sending the info I sent them when they updated my address on XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there ae several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1700.00} XXXX XXXXXXXX {$140.00} XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX  XXXX {$490.00} XXXX XXXX XXXX  XXXX {$410.00} XXXX XXXX XXXXXXXX {$520.00} XXXX   XXXX {$190.00XXXX XXXX XXXXG XXXX {$190.00} XXXX XXXX {$410.00} DEPT OF ED XXXX XXXX {$82000.00}
Complaint sub-issue: Information belongs to someone else

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX ... ACIMA CREDIT FKA XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Complaint sub-issue: Report improperly shared by CRC

While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XXXX/XXXX/2014 on EQUIFAX credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax credit reporting agency removed an account off my credit report. The account is XXXX XXXX/XXXX XXXX. This account is an account that is in excellent standing I dont no why they removed it off my report. Having this account report on my credit report helps my credit worthiness.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of account ( s ) below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Accounts # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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: Debt was result of identity theft

I was contacted by Target Cash Now on XX/XX/2021 and informed they were trying to collect on a debt for a loan that was taken out on XX/XX/2021 by someone using my information. At first I thought they were trying to scam me but when they provided me with information about the loan, I realized they had my name, my last 4 digits of my social security number, my place of work, my telephone number and a portion of my address. They did not have my full address and the banking information they provided is not a bank that I have an account with. 

Target Cash Now informed me that I would have to file a police report since as far as they were concerned the account was in my name and it would affect my credit rating. I did contact the XXXX XXXX Police department and I have a XXXX Police Department Citizen/Police Contact Receipt ( XXXX ) also dated for XX/XX/2021. 

I did not share this information with Target Cash Now because it has my drivers license information and my correct address and I did not want to provide them this information. Instead I reached out to the Maryland States Attorneys office for advice and guidance. 
I was advised by Mr XXXX XXXX, XXXX Identity Theft Program, Office of the Attorney General to file a complaint with this organization and to freeze my credit. 

The following is the rest of the information that Target Cash Now provided me on this loan that I am disputing * funds deposited into XXXX XXXX account ending in XXXX XXXX Loan ID XXXX XXXX Of interest to me is that I never received any loan documents or information on this account/loan even in my SPAM/Junk mail prior to the disbursement of the funds. But I have received numerous requests in my spam that are reminders about the payments that are due on the account. 

I would appreciate any assistance you can give me to get this situation resolved.
Complaint sub-issue: Debt is not yours

I found on XX/XX/2021 that I am having suddenly 10 collection on my report of something that I have no idea what that about without even contacting me or explaining what that about.
Complaint sub-issue: Collected or attempted to collect exempt funds

Just over three years ago, I purchased a used XXXX XXXX XXXX from XXXX XXXX located in XXXX, AR, which turned out to be over 23,000.00 dollars. The finance officer, at the dealership, completely forged the loan agreement. I told the individual that I had been on XXXX since XX/XX/XXXX and had only {$1300.00} per month, and that I had a home mortgage of {$560.00} dollars. He told me I was getting the best financing available and I would not have to worry about making the payments. It was then he began his bait and switch. Without showing or telling me what the APR, monthly payment, he stepped out of his office, as I waited ; he " flew '' back in and said, " I have an awesome deal for you! '' He hid the top half of the contract with a piece of paper and told me that I would get a {$2600.00} dollar 10-year bumper-to-bumper warranty, a PTFE resin coating for the exterior paint, and XXXX for the interior. He said that it would all be free, provided I signed that agreement. My head was " spinning '' and he sent me out the door with the keys of the vehicle in my hand and the paperwork - or so I thought. When I arrived home, I looked into the packet with the paperwork and the only documentation that was inside was information on XXXX. I called the finance officer, at XXXX XXXX, the next day and asked him where the documentation was and how much I was being charged per month. He told me that he did not know and I should contact XXXX XXXX. XXXX XXXX sent me the contract within a few days. I contacted the finance officer at XXXX XXXX and asked him, " Why did you lie to me and why did you do this egregious act? '' He told me, " Hey, that's business. '' I told him that I was going to park the car on his lot and leave the keys there and he replied, " Do what you want, it's your car now. '' I could not afford the {$450.00} dollars per month to keep the vehicle and survive at the same time. The vehicle was repossessed in XX/XX/XXXX and XXXX XXXX accuses me of a deficiency of over {$8000.00} dollars. Now, I am not an attorney and do not know the laws here in Arkansas so I tried to work with XXXX XXXX. To no avail, XXXX XXXX  is suing me for deficiency of payment. XXXX XXXX  has hired attorneys in XXXX, AR. They have tried to garnish my XXXX money and now are trying to put a lien on my home. 

How could one explain that an honest bank would actually approve a loan of over {$23000.00} dollars when an individual lives below the poverty level and only collects just over {$16000.00} per year on XXXX? Both XXXX XXXX and XXXX XXXX colluded together as they knew I could not make the payments with this predatory loan.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : 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 XXXXXXXX XXXX XXXX Balance {$25000.00} Equifax : 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, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance {$25000.00} XXXX : XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$25000.00}
Complaint sub-issue: Need information about your loan balance or loan terms

Upon entering XXXX  school three years ago ( XX/XX/XXXX ), my federal student loans went into deferment. Since then, I have not received ANY contact from my student loan service, Nelnet. This includes loan statements, interest statements, tax information, reminders, or anything else. 

I have continued to make payments to my private student loans during my time in graduate school to a company that is also owned by Nelnet ( Firstmark ), but given the lack of contact, I had forgotten about the separate loan and loan service account. Perhaps naively assuming that since they're owned by THE SAME COMPANY and want my money they would be in touch. Today, I learned I still owe {$13000.00} in federal student loans. I was not aware of this balance until today ( XX/XX/XXXX ). 

I contacted Nelnet and despite having records of my making regular twice-monthly payments totaling tens of thousands of dollars over the past three years to my private loan account, and declaring interest as tax deductible every year, they have no record of contacting me for my federal student loans. I asked them why they didn't contact me and to please describe the policy that outlines why in the world they would cease contact with borrowers while also collecting interest on them and their response was " I don't know. '' I'm not kidding. The response from the customer service representative and her supervisor was " I don't know. '' TO BE CLEAR : I did NOT miss any contacts, letters or email. I did NOT ignore any correspondence or lose it. NELNET HAS NO RECORD OF CONTACTING ME FOR THREE YEARS despite collecting daily interest from me. 

" I don't know '' is not an acceptable response. Not contacting borrowers for three years is not an acceptable policy. Continuing to collect DAILY COMPOUNDED INTEREST off my back while neglecting to notify or even give me the opportunity to deduct the interest from my taxes is not acceptable. I would assume and hope that it is in some form illegal.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX  account number 's listed below have violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 


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 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: Trouble getting information about the card

XX/XX/2020 I have tried to get onto the US Relicard site and it says I am locked out, call the number on the back of the card to reset password. I call the number, it says invalid number. What is the correct number?
Complaint sub-issue: Attempted to collect wrong amount

XXXX and all of XXXX BestBuy/CBNA keeps reaging a debt even though they sent me a 1099-C and debt cancellation letter agreeing there was a {$0.00} balance and the debt was cancelled through CFPB complaint and in the mail. Now they are adding a balance past due monthly all over again, even past the statute of limitations here in North Carolina, constantly reporting a past due balance of {$2000.00} to my XXXX  report and my XXXX report purposely destroying my credit making it seem like it is a new debt and newly past due every month. They only temporarily fixed it after I first complained with CFPB but then continued these practices on my credit reports once again. This is my second time trying to get help with this company reporting a balance even though they stated to CFPB and myself that they willl report a XXXX  balance and fix that false past due reports years later. I sent them the letter in the mail and a letter stating my issue with no action. I want all the past due removed from my XXXX and XXXX reports as soon as this is received and I want the {$0.00} balance to show on these reports. I shouldn't be charged taxes with a 1099-C then suddenly it is past due even being a very old debt that they promised to remedy assuring a reporting of a {$0.00} balance.
Complaint sub-issue: Account information incorrect

Unauthorized inquiry. On  XXXX   XXXX  I expressedly did not authorize a hard inquriy on my credit report to  XXXX   XXXX   XXXX   XXXX   XXXX , nonethless my report shows a hard inquiry which affects my score. This contradicts my command and the expressedly stated by the company representative " It is not a hard inquiry on your credit report ''.
Complaint sub-issue: Account information incorrect

On my credit report there is a late payment in XXXX of XXXX and XXXX of XXXX showing as 30 days late, that payment was not 30days late and this needs to be removed.
Complaint sub-issue: Information belongs to someone else

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 

XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Investigation took more than 30 days

I contacted XXXX XXXX XXXX XXXX over 30 days ago to give me the proof that my accounts were actually charge offs/write offs as displayed on my credit reports and they never did. But since I'm not representing myself as a lawyer I feel that I'm being ignored. The reporting bureaus with the exception of equifax did not delete these charge offs/write offs as by law were expected they just waited. XXXX, XXXX, XXXX XXXX, LEXISNEXIS, XXXX, XXXX and XXXX XXXX ; I want these charge offs/write offs deleted from my credit reports ASAP.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have a block on my credit report, I am trying to build my credit and I am sorry to say that I also have family members whom will use my name and information for their own personal gain, which I will all my information and service go to a separate address. As I said before I am trying to build my credit so I can buy a home ... however when I access XXXX XXXX I see all these inquiries on my credit I never authorized. I havent request or authorized any access since 2015 so all inquiries on my report should be gone but I have lots. I thought maybe I had removed the block but when my broker tried to access my credit he told me of the block on all 3 reporting companies ... so how was my records accessed so many times. I shouldnt have any new creditors after 2015 as well. So any and all information should be removed,
Complaint sub-issue: Didn't receive services that were advertised

Around 2018 until now I have seen in credit karma that I was pre approved for loans and credit cards every time I logged into credit karma to check my credit score they would have a bunch of different pre approvals and refinancing capabilities I attempted to look into and applied for credit cards and loans. I am very upset at this false marketing that has been bestowed upon me.Years of having a account with credit karma thinking this company was helping me to move further in life.
Complaint sub-issue: Their investigation did not fix an error on your report

i have 2 credit card through XXXX XXXX XXXX for some reason my card ending in XXXX all 3 credit report agenceys are reporting it closed but its not closed i have spoke with XXXX XXXX customer service rep at XXXX XXXX XXXX and she has tried fixing it but its keeps reporting as closed the account is not closed.
Complaint sub-issue: Card opened as result of identity theft or fraud

In XXXX XXXX, U.S. Bank opened or allowed to be opened a premier line of credit ( account number ending in digits XXXX ) without my permission, consent, or signature. Attempts to address this issue with U.S. Bank resulted in a harassment call from an attorney in their fraud department ( contact was from XXXX, call dated XXXX/XXXX/XXXX @ XXXX ). 

I also visited a U.S. Bank branch on XXXX/XXXX/XXXX ( XXXX XXXX, MO branch - manager XXXX XXXX ) and inquired to see a copy of the original application for credit. I was informed that despite my name and personal information being attached to this line of credit that U.S. Bank would not provide a copy of the original application for credit unless required to do so under subpoena. 

U.S. Bank has been completely unhelpful and are acting solely in their own interests after it appears they engaged in illegal and fraudulent creation of a credit line using my personal information.
Complaint sub-issue: Information belongs to someone else

I reviewed my credit report and noticed a few accounts on it that are not mine
Complaint sub-issue: Information belongs to someone else

showing inaccurate information not known to me best of my knowledge