Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

Around XXXX of 2017, I lost my wallet and my personal information was used fraudulently. I received notification from many sources such as my personal bank and other cards that my credit cards and other information was being used with out my knowledge. Upon this notification, I immediately contacted my creditors and banks and made them aware. Most creditors canceled the card and issued me a new one. On XX/XX/2017, I notified XXXX/TOTAL ( XXXX XXXX XXXX ) Card XXXX about this issue and I closed the account at consumer 's request. They then sent me a statement with the fraudulent charges to pay. This account is currently still on my credit reports as a charged off account as I refused to pay for fraudulent charges. I have disputed this account with all 3 bureaus, sent documentation to include a police report and only XXXX has deleted the incorrect account. XXXX and XXXX continue to report account is verified and validated. When I asked for proof of validation, XXXX XXXX XXXX sent copies of the charges. This is not an acceptable source of validation! These charges were not by me nor were they authorized. This is a violation of my Federal rights as my credit history is being tarnished by erroneous and inaccurate information that is to be deleted from my credit file and the creditor has not validated the debt.
Complaint sub-issue: Problem during payment process

I have two credit cards with Citibank. One has a credit balance ( money owed to me ) of {$660.00} ( card  ending in XXXX ). The other credit card has a balance due XXXX money I owe the bank ) of just under {$100.00} ( card ending in XXXX ). Three times I have called the bank and asked that they transfer the funds from the one credit card to pay the balance owed on the other credit card and mail me the difference. However every time I call the person taking my call acts like I am speaking a foreign language and I never get any meaningful assistance. I want the one credit card account paid using the credit balance in the other credit card account that is owed to me and the difference mailed to me. This is NOT  a request to close either of the accounts it is simply a request that money owed to me be refunded after the amount owed is paid.
Complaint sub-issue: Information belongs to someone else

I am frustrated to know that my credit history has been compromised and targeted with false and inaccurate information that i have not consented to. I will need these false items removed immediately!
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020 I sent a letter regarding inaccurate and unknown information that have been put on my credit report. It is nearing 60 days and I have not received a response yet. It seems as though I am being taking advantage of and that my disputes are being ignored. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to remove these items immediately, we are approaching 60 days. I would like for you to delete these items promptly or I will be filing litigation because of the stress you have caused me.
Complaint sub-issue: Didn't receive advertised or promotional terms

Discover fail ed to pay me {$300.00} for my credit card account  XXXX   XXXX   XXXX   XXXX .     I spent {$3000.00} in purchases at  XXXX   XXXX   XXXX  using   XXXX   XXXX   in    XXXX   XXXX     ( s hown i n SCREENSHOT 1 ). Under  the terms of promotion,  Discover was   supposed to give me 10 %, which would be doubled at the end of the year to 20 %. The " double cashback '' promotion was  one I was  enrolled in from   XXXX   XXXX   to   XXXX   XXXX    ( the fin al amount deposited is shown in SCREENSH OT 2, provi ng I was enrolled ).     On   XXXX   XXXX   XXXX  ,  Discover finally awarded th e cashback ( shown in SCREENSHOT  3 ). However, the amount was only {$300.00} ( shown in SCREENSHOT 4 ), which is 10 % rather than 20 %. I am the refore owed an additonal {$300.00}.     I contacted  Discover customer  service, where a supervisor named  XXXX  in their  XXXX  office opened an investigation for me. However, at the end of their internal review, they refused to award me the additional cashback owed with no further explanation, and refused to provide an email detailing how the cashback was calculated.     I am owed an additional {$300.00} from  Discover from  their   XXXX   XXXX   and  Discover Match pro motions, and ask for immediate cash relief.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2022, I the consumer notified Equifax through the CFPB portal of the two negative accounts that was furnished fraudulently on my consumer report without the consent of the consumer or the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury pursuant to 15 USC 1681b ( a ) ( 1 ) under permissible purposes of consumer reports. The XXXX accounts read ( DEPT. OF HUMAN SERVI ). Equifax failed to Investigate the first time and now they're performing a re-investigation witch is a violation of the FCRA because pursuant to 15 USC 1681a ( e ) 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. However, such information shall not include specific ( FACTUAL INFORMATION ) on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Equifax failed to Investigate both times according to federal law ( FCRA ), Equifax haven't conducted personal interviews with my 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. Equifax and the DEPT. OF HUMAN SERVI are committing Fraud and Identity theft. I the consumer just got an update on the ( XXXX of XX/XX/2022 ) from Equifax that they ( removed/Deleted ) the XXXX FRAUDULENT ACCOUNTS ( DEPT.OF HUMAN SERVI ). DELETION IS ADMISSION and Equifax Caused DAMAGES to I the consumer, I the consumer Is Demanding monetary relief for the following violations/Damages In accord to federal law ( FCRA ) : 2 FEDERALLY PROTECTED CONSUMER RIGHTS VIOLATIONS UNDER 15 USC 1681.

Equifax and the ( DEPT. OF HUMAN SERVI ) Violated Title 15 USC 1681b ( a ) ( 1 ) Under permissible purposes of consumer reports and Violated Title 15 USC 1681a ( e ) Investigative Consumer Report.

I The Consumer/Natural Person, Experienced SLEEPLESS NIGHTS, ANXIETY, my REPUTATION RUINED, HUMILIATION, and UNABLE TO WORK. 
AMOUNT : {$3000.00} DUE UPON RECEIPT PAYMENT METHOD : PAY BUY CHECK.
Complaint sub-issue: Was not notified of investigation status or results

Several disputes have been submitted regarding these accounts since XX/XX/2020. You can not validate a debt without following the proper validation. According to FCRA 15 USC 1692g, a debt must be validated within 30 days. Validation of a debt is an assess of action and the debt is not mine and it is not true. Also, according to 15 USC 1681 a ( e ) to validate a debt is to interview family, neighbors and associates of this debt who may have knowledge of this account but specific factual information does can not be mentioned.
Complaint sub-issue: Not given enough info to verify debt

I had not checked my credit report in a while. After obtaining my credit reports. I got a letter from a collection agency West Asset Management , Inc . Telling me that i had a debt that had been turned over to them for collection. I called them immediately to inquire about " this so called debt '' First time I called was XXXX/XXXX/2015. I was told that they were going to research the account and get back to me. Today is XXXX/XXXX/2015 have not heard any thing from them. So I called again. They told me that they did not have anything to share with me and they will let me know ... .In the mean time, I 'm waiting to have this cleared from my credit bureau as I would like to buy a small home for myself and having this information on my credit file will keep me from obtaining a good Real Estate loan or perhaps nor one at all. They ca n't give me any information about " this debt '' but they have not removed this false information from my credit report. I need help. I would really appreciate your help! Thank you.
Complaint sub-issue: Transaction was not authorized

I am trying to get a XXXX account that comes directly out of my checking account.
Complaint sub-issue: Deposits and withdrawals

I experienced several problems while doing business with Commerce Bank over the past few months. 

1 ) I was not able to access my full account number online, or over the phone. I was informed that the ONLY way to access my full account number was to visit one of their branches, which are located in a small part of the USA, near XXXX XXXX. I was and am still out of state and unable to visit a local branch, and therefore, could not use the bank 's services. My access to my funds in the checking account was limited due to my inability to gain access to my full account number - the bank 's website only provides the last 4 digits of the account number. This hindered my ability to pay bills on time, resulting in negative financial consequences for me and my family. 

2 ) I was limited to sending only {$250.00} at a time using ACH, which hindered me from withdrawing my money from this checking account for an extended period of time. At this time, I had already decided to stop using Commerce bank for my banking needs, and intended to withdraw my money from the account. 

3 ) I was unable to withdraw the final {$100.00} from my checking account via ACH. I spoke with a Commerce Bank CSR, who informed me that to close my account and access my money, I would have to have a {$0.00} balance in my account. Withdrawing my money in person was NOT an option as I 'm out of state, and it was NOT an option via ACH. Thus, not knowing what else to do, and wanting to end my banking relationship with Commerce Bank and withdraw my money, I did n't see any other way of withdrawing my money other than using my debit card for a purchase I did not need. Withdrawing the money at an ATM would have resulted in fees and not being able to withdraw my account to {$0.00}, as ATM machines can not dispense XXXX cents, and thus I would not be able to bring my balance down to {$0.00} in order to close my account. I ended up purchasing an  XXXX gift card on XXXX in the amount of {$100.00} in order to bring my balance down to {$0.00}. 

During my relationship with Commerce Bank, I felt my money was trapped and illegally held by Commerce Bank, and my access to my money restricted by the bank 's rules. This has resulted in negative financial consequences for me and my family, and thus, I would like this matter looked into, and Commerce Bank 's practices investigated in order for this to never happen to any other person.
Complaint sub-issue: Information belongs to someone else

After my identity was compromised it affected my credit file greatly with unauthorized accounts being reported on my file. I have asked for an investigation into this matter, and demanding the Method of Verification when doing so. Provide me with the names and titles and dates of those investigating this matter. I'm also demanding physical documentation as oppose to any electronic Verification inwhich can not be accepted as proof. And if this is not provided then you shall remove / block these unauthorized and unknown fraudulent accounts. 

Accounts 1 ) XXXX XXXX XXXX  XXXX 2 ) XXXX  3 ) Dept of ED/XXXX  {$7300.00} 4 ) Dept of ED/XXXX  {$5400.00} 5 ) Dept of ED/XXXX  {$3900.00} 6 ) Dept of ED/XXXX  {$3000.00}
Complaint sub-issue: Information belongs to someone else

I went to file my taxes and I was told by the tax consultant that my identity has been stolen because someone had already filed under my personal information. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am not familiar with. Please remove these items from my report. 

XXXX XXXX {$2700.00} XXXX XXXX {$2800.00} XXXX   XXXX {$2700.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX   XXXX {$340.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX   XXXX {$590.00} XXXX XXXX {$0.00} XXXX  XXXX XXXX {$400.00} XXXX   XXXX {$16000.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX {$740.00}
Complaint sub-issue: Their investigation did not fix an error on your report

RESPONSE TO COMPLAINT # XXXX Dear EQUIFAX, XXXX PLEASE INVESTIGATE CONSUMER REPORT '' I, XXXX XXXX XXXX consumer, and natural person, am aware of all of the rights I have, and which are protected by the Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. You claim these accounts are verified? Please show proof of whom you verified these accounts through? Please send me names and addresses and if you can not provide this information please delete the below accounts. 

Account Name : XXXX/XXXX  Account # XXXX Account Name : XXXX XXXX  XXXX Account # XXXX Account Name : XXXX XXXX  XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX  XXXX  Account # XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX/XXXX  Account # XXXX Account Name : XXXX  XXXX  Account # XXXX Account Name : XXXXXXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : US DEPT ED Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX  XXXX XXXX Account # XXXX Account Name : XXXX  XXXX XXXX Account # XXXX Account Name : XXXX  Account # XXXX 15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

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.

Delete these accounts immediately unless you want to be held liable {$1000.00} per violation.
Complaint sub-issue: Deposits and withdrawals

On XX/XX/2022, I could not receive or make any calls on my phone. I called XXXX and they told me that my sim card was changed by somebody. I advised that I had not changed the sim card in my phone. I am not sure if this is related to my sim card issue but ... Also on that day I checked my bank account online and saw that someone had transferred {$18000.00} out of my account without my authorization and it was a pending transaction. I immediately contacted City Bank regarding this and they immediately locked down my account ; they transferred me to the wire transfer department who then transferred me to the fraud department. I then filled out a form and had it notarized and gave it to the fraud department saying I did not authorize this transaction. I called a month later and they said they refused to return the money to my account even though it is still in a pending status. I asked why they refused to return my money and they said the fraud department will call me regarding this.
Complaint sub-issue: Trouble with how payments are being handled

I have been on the income based repayment plan since 2010. I have re-certified on time when information was requested. Recently you are able to log into the student aid portal. There was an issue with the IRS site and it allowed me to complete the re-certification. On XX/XX/XXXX, I received an email stating that my request was incomplete so I sent my income tax return to them. This is not the first time that I have had trouble with AES removing me from my IBR and I want them to verify the start date of my plan, and if the terms are 20 or 20 years. How many years that I have remaining. 

They have sent my information to a collection agency, which I want this information removed, and any negative credit reporting corrected.
Complaint sub-issue: Information belongs to someone else

I received a copy of my Employment Date Report and on the report it stated that I had been an employee of XXXX XXXX, XXXX in XXXX, PA in 2013. I am from XXXX, CA and was attending XXXX XXXX University, XXXX during that time. I have never lived nor worked in Philadelphia.
Complaint sub-issue: Deposits and withdrawals

I deposited a $ XXXX check that was issued from the State of California on XX/XX/15. I always deposit my checks via the ATM and this was no different. I also deposited a workers comp settlement check for $ XXXX about a month prior with no issues or holds. I requested an email receipt which did not state anything about an excessive hold. A couple of days go by and I notice that they have not made any of the $ XXXX state check available to me. I contact the bank and they gave me reasons that don't make sense as I've never had any type of hold on any checks before. I told them this was a state check and funds will be there with no issues with it clearing. I also provided proof that this payment is legit and belongs to me. Proof from the state of California regarding approval for the $ XXXX workers comp voucher return to work fund as well as a copy of the check stub with the State of California information on it. That did not matter. Now my funds are on hold for almost 14 days. 12 days after I deposited them. They will not release funds from a STATE ISSUED CHECK until XX/XX/XXXX! This money is to help people who have been injured on the job to compensate for loss income. And US Bank wants to HOLD this money from me. I needed the money to help move. Unreal.
Complaint sub-issue: Reporting company used your report improperly

As you are well aware ~143,000,000 people 's personal identification was leaked via improper security at Equifax . I am " likely '' one of these people, as stated by their website.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax, XXXX and XXXX all list a bankruptcy on my credit report for a mortgage through XXXX XXXX, and a car loan through XXXX XXXX XXXX and XXXX XXXX XXXX. I recently sold my house and sent the bureaus title paperwork and final invoice as well as insurance statements for the care on those accounts. I've asked them for information on who they've spoken with to verify this information and they only tell me that they verified it without the information I have requested. I sent dispute letters with supporting documentation on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and the inaccurate information is still there. I even uploaded the information for online disputes with the bureaus.
Complaint sub-issue: Impersonated an attorney or official

I register for school in XXXX. At that time there were XXXX student loans taken. However, on the credit report, they put since XXXX, instead of putting correct information such for this loan. Yes, I did not register for the XXXX, XXXX, XXXX, school years, but that is because I received employment and was going to get a grant from employer to attend school. Then they never notified me of the default, because as I look at the address which they claim the default happened, and this was not where the loans originated.
Complaint sub-issue: Can't use card to make purchases

Company reduced credit limit by over half ... XXXX to XXXX resulting in my card being XXXX dollars away from max limit although I had made 2 consecutive payments over {$1000.00} each in order to have my balance at half of available credit. I have an excellent payment record with the company, have never been late or missed a payment. Their actions are lowering my credit score further while I am taking the proper actions to raise my score. My card usage was up due to international travel yet I have been making significant payments to lower those balances and have not been late on payments with any of my creditors. Their actions are detrimental to my credit at a time when have not done anything wrong other than use credit that was available to me.
Complaint sub-issue: Account status incorrect

XXXX XXXX has lost a lawsuit which alleged illegal practices for 35 states. It is attached. I will be entitle to compensation based on this lawsuit. All 3 credit bureaus have incorrect information submitted to them by XXXX which shows my account as a charge off with money due to them. I have requested an extensive amount of information from XXXX which they did not provide. That letter is attached. They can not validate the debt, loan terms are incorrect on my credit, they charge more than stated per the contract, charged more interest than the principal, fees that are not valid, never supplied me with any charge off information or why when I was STILL PAYING on time during their alleged charge off month of XX/XX/XXXX and OVERPAID according to my statement from XXXX until present. This is my last step before small claims court and they will not even provide me their legal address to serve them papers. This company has devastated consumers including me and after 8 years and paying them XXXX for a XXXX vehicle its enough. They even have listed my vehicle as a commercial vehicle making the contract null and void.