Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Trouble getting a working replacement card

I was recently informed by the Nebraska child support office that I was issued a relicard and that over XXXX XXXX dollars was deposited to the card. I have attempted serveral times to contact US bank without resolve. They recently sent me a card not in my name also sent me 7 years of blank statements. I have been an victim of fraud by US Bank including recent identity theft for the second time with a new identity afforded me for my protection. US bank will not allow me copies of bank statements fraudulently opened in my name but where my funds where deposited and will not accept a report of never recieving a card
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX SSN : XXXX | XXXX : XX/XX/1985 Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of Documentary material the original signed consumer contract - any and all accounts you post on a credit report. Pursuant to 15 USC 5561 documentary material includes and IS NOT LIMITED TO, the original or any copy of any book, document, record, report, memorandum, paper, communication, tabulation, charts, logs, electronic files, or other data compilations stored in any medium.

Your failure to positively verify these accounts has hurt my ability to obtain credit which has cause me duress and stress which is a direct violation of my rights in regards to regulations involving the practice of debt collection. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : Account Name : XXXX  Account Number : XXXX Reason : Unverified account Account Name : XXXX  Account Number : XXXX Reason : Unverified account
Complaint sub-issue: Reporting company used your report improperly

This is regarding Equifax breaching my Privacy rights and never giving Equifax written consent to receive or furnish my personal and private information. 
I have been effected by this coding error. 
They have erroneous and inaccurate accounts on the report that is effecting my livelihood and my reputation. 
They are violating their on Sharing data policy! I never gave them or any origination consent to report my private information. This is not a dispute! 
please see attachments. 
They have violated the FCRA, FDCPA the Graham Leach Baily Act
Complaint sub-issue: Reporting company used your report improperly

under the fair credit reporting act i have proof that accounts below has been reporting incorrect information on my behalf. these accounts are XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX
Complaint sub-issue: Old information reappears or never goes away

I called to get everything off my credit but they keep putting it back up there and Im trying to better my credit so I can buy a house and make a better life for my kids
Complaint sub-issue: Account information incorrect

I recently re-disputed the results of a previous dispute. I am finished disputing and want to go to court with all three major credit credit bureaus. The three are siding with the creditor rather than validating an official Federal document i have provided them showing the creditor either took advantage of my accident in XXXX by continuing to debit my monthly payments for a year on the lease car i was not driving or the 3 bureaus are posting false and misleading information to the general inquiries about my report. 
I returned the lease car on XX/XX/XXXX, The proof of that statement is on the Federal odometer reading document. It states very clearly the auto was returned to the dealership on XX/XX/XXXX. why does the creditor report last activity as of XX/XX/XXXX. They either debited my account for 1 year after the car was returned without my knowledge and then realized there was a mistake and deleted it XX/XX/XXXX. Why would I want to make payments on a car for a year after I returned it in XX/XX/XXXX when I was not driving it. 

Either that or all 3 bureaus are up to there previous tactics which they paid fines up to XXXX XXXX dollars to the Federal Courts in several states for providing false and misleading information regarding individual credit reports about thousand and thousands of individuals like myself. I was at there mercy then and still am. Now I am tired of dealing with them and my Attorney would like to see all 3 in a XXXX County courtroom in front of a judge to check the accuracy of there reporting. I have called them and I have emailed them and they will not provide me with a name, address, city and state to have them summoned to go to court I guess since Im not a creditor that pays the bureau to provide information whether it is correct or not means the the bureaus that are being paid will present the information whether or not it is correct I want to get this settled once and for all and then publicize the results and let other people know how they are getting ripped off by the 3 agencies XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

Reporting Agencies are reporting negative accounts that should be deleted, inaccurate information such as multiple addresses, charge off accounts not being removed, and still reporting delinquencies
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX
Complaint sub-issue: Problem with personal statement of dispute

This complaint is on XXXX XXXX for failing to correct credit bureau reporting. I have been a customer in good standing with XXXX XXXX for at least ten years but have rarely used my card in the last few years. XXXX XXXX has had a history of charging my card without my knowledge after new vehicle purchase. It seems like the dealer might be providing my credit card information without my consent. This occurred in XX/XX/XXXX and XX/XX/XXXX and both instances were disputed and the charged amounts were refunded by XXXX XXXX. As a result of these fraudulent charges, my credit card went 60 days late as I was not aware of the charges and I do not use the card. The credit card company agreed the charges were fraudulent and reversed both late payments and the interest charged. However, they have not corrected the late reporting to the credit bureau.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX did a hard pull on my credit without my consent. I inquired about a loan at a branch, gave all my personal information and asked to have my file sent to an underwriter. But I never agreed to have my credit pulled. No disclosures were given to me and no consent was obtained verbally or in writing. I called XXXX XXXX after a hard credit inquiry appeared on my credit report to have it removed. They were going to speak with the branch banker who had only ever taken one application prior to mine and get back to me. I called three times, spoke to employees in various offices, and a woman promised to get back to me. I told her this was clearly a regulatory violation ( FCRA and Regulation V ), reporting a credit inquiry without having obtained consent or providing disclosures. Please ask XXXX XXXX to remove this incorrect information from my credit report.
Complaint sub-issue: Didn't receive notice of right to dispute

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I attached some screenshot of the report that might be your guide that there are discrepancies on my accounts because of the inaccurate details in the other bureau. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported XXXX XXXX XXXX XXXX  / {$0.00} / XX/XX/2019
Complaint sub-issue: Received bad information about your loan

I went to XXXX University where I applied for Federal Financial Aid and was granted grants and Loan. After graduation XXXX XXXXI was contacted by American Education Services claiming payments with threats to sue, I end up paying to be left until XXXX when I found out that I wasn't paying for the Federal Student loan instead I was paying for a private student loan that I never took. My first complain against XXXX  XXXX XXXX was denied because they said they didn't issue a loan on my name, they were investor on the National Collegiate Trust. 

XXXX XXXX XXXX provided me the National Collegiate Trust phone number and I tried unsuccessfully contacting them. I never took a private student loan at XXXX University, they need to refund me all payments I made since XXXX after graduations received on their behalf by American Education Services.
Complaint sub-issue: Didn't receive notice of right to dispute

I sent a request for a validation of the debt and I have not received any response. The only reason that I knew of this debt was by looking at my credit report because I have not received any notice. 

I have also disputed the item on my credit report.
Complaint sub-issue: Account information incorrect

One of my XXXX XXXX Accounts is duplicated ( listed twice ) on my Equifax credit report. The address listed on my Equifax report is 5 years out of date. XXXX  and XXXX  both have correct information. All of my creditors have my correct current address and are reporting it correctly. The creditor of the duplicated account, XXXX XXXX XXXX, has confirmed that their reporting is correct and that Equifax has incorrectly listed the same identical account twice on their report. 

I have filed an online dispute and called Equifax Customer Service to follow up to no avail. Their customer service is awful. 

Equifax has requested twice, via unattended automated email, that I send them a copy of my driver 's license, my Social Security card or W-2, and a recent utility bill. 

I have no problem with the utility bill, and have faxed them same, but there is no way in XXXX I am going to send my license and Social Security number through the USPS.They claim the be very interested in protecting my personal information. Really? Obviously not! 

I understand they are trying to 'verify ' my identity - sounds reasonable - but sending sensitive documents through the mail is not the way to do so, nor should it matter in this case. I obviously have access to the report in question ( and yes, it's mine ), and the errors I have noted on the report are easily verified as ERRORS! They should be corrected. Period. Full Stop. 

I DO NOT TRUST Equifax with my personal information. They already leaked it to XXXX hackers. As far as I'm concerned they should have been forced to pay far more than they did in the breach settlement. They got off way too easy and it shows. 

I want a human being with authorization to do something about this to contact me. 
My existing Equifax dispute numbers are : XXXX and XXXX
Complaint sub-issue: Information belongs to someone else

I previously asked for a investigation and I never received a respond on my complaimpt I have item on my credit file that were fraudulently obtain in my name I an a retired vet and I'm trying to rebuild my life and reached out to ask for help and obtain legal advice and were advised to make a complaint to get some type of revaluation.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My car was Broken into and my wallet as well as {$300.00} cash was stolen. I also had a fraud alert on my credit bureaus that dont have my number to call or verify just incase of fraudulent inquiries which i have just seen a coupe on my bureaus.
Complaint sub-issue: Information belongs to someone else

THE ACCOUNTS/INQUIRIES LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Deposits and withdrawals

On XX/XX/2022, I mailed check number XXXX in the amount of {$3100.00} as payment to one of my vendors. Check number XXXX was stolen from a USPS mail box. On XX/XX/2022 I discovered check number XXXX had been cashed by a person of the name XXXX XXXX instead of my vendor XXXX XXXX XXXX. I immediately called US Bank and got in touch with the fraud department. Since then I have received three letters asking for the same information in regards to what happened. The first letter I responded to from US Bank was on XX/XX/2022. The second letter I responded to XX/XX/2022. The third letter I responded to XX/XX/2022. Each time I filled out the requested paperwork and emailed it back to US Bank. Nothing has happened since.
Complaint sub-issue: Information belongs to someone else

I was a victim of the XXXX data breach of XXXX and the XXXX XXXX XXXX XXXX data breach JEFFERSON CAPITAL XXXX Acct # XXXX {$2600.00} is not my account and we dont even have XXXX in Alaska
Complaint sub-issue: Reporting company used your report improperly

Equifax, XXXX, and XXXX are furnishing information that is not 100 % accurate and correct. They also are presenting information on behalf of consumers without the direct written consent of the consumer, and that is a violation of permissible purposes. I sent in dispute letters and no one has got back to me, Ive called and they say they are still under investigation.
Complaint sub-issue: Problem getting my free annual report

I went to XXXX to get my report. The Equifax questionnaire was so convoluted and confusing, also discriminatory in nature. I want my free credit report and any information that you are reporting about me. I will challenge and strike down anything incorrect or spreading libel about my good name. The very nature that this company makes you jump through hoops screams of their character and willingness to hide reporting from you.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX added two collection accounts to my credit reports in XX/XX/2020. I have disputed these accounts with XXXX at least four times. The first three times XXXX took approximately 2 to 3 days to " investigate '' and then notified me that both accounts were verified as accurate. I have not been able to speak with anyone to see exactly how they " verified '' this. I sent them a copy of the letter that was mailed to XXXX asking for verification that this was my debt in the form of my signature. I uploaded the forms received from XXXX to XXXX. This included an itemized statement for {$1400.00} that not only did not contain my signature, it did not contain my name on the actual statement. XXXX still verified this account as accurate and it remains on my credit report. The itemized statement for {$290.00} does not contain my signature and contains a XXXX XXXX XXXX policy number that does not belong to me. As previously reported to XXXX, when our daughter had XXXX all of her medical bills that went unpaid after insurance went on my husband 's credit - not mine. She is on his insurance.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recently sent certified letters with tracking to this company about the unauthorized use of my credit report. They haven't responded and the problem still exist.
Complaint sub-issue: Their investigation did not fix an error on your report

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX  XXXX XXXX, CO XXXX
Complaint sub-issue: Unable to open an account

I have been trying to get this issue fixed from last 4 months. 
Citi bank replied back to me with misleading information. 

Almost a month ago, I filed a complaint, where I highlighted irregularity in handling my account. Citi bank closed my account and so far Citi bankhas failed to give me a validreason. 
Citi bank did send a response, stating that they close my account, because I had insufficient funds. But they send me a copy of a check which has insufficientfund but the name of the check is XXXX XXXX, where as my name is XXXX XXXX. ( Ref Page 2 ) I am also sending a letter from my bank, where it clearly states that Citi bankwithdrew $ XXXX from myaccount. ( Letter from XXXX ) Citi bank also send another letter, where they sent a copy of the check, where there is no name, it only says XXXX XXXX- which again is not my name. ( Ref Page 7 and Ref Page8 ) I would like to know : 1. Why my account was closed. The reason sent to me by Citi is not valid. 
2. Citi bank should return $ XXXX cashed from my account. 
XXXX. Accept the responsibility that it was Citi bank 's banking error and they shouldn't have closed my account.
Complaint sub-issue: Account status incorrect

CFPB + Credit Reporting Agencies, This complaint is in relation to a credit account this creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.
Complaint sub-issue: Banking errors

I opened an account wi th Citibank for a {$500.00} promotion. I had to open a checking and savings account and put {$50000.00} in within 30 days. I also had to switch to paperless statements. I followed all the directions on point. They decided to close my checking account without prior knowledge nullifying my credit to the {$500.00} even though {$50000.00} is still in the savings. This was deliberate in an attempt to deny me the prom otion.
Complaint sub-issue: Reinserted previously deleted info

I received a copy of my credit report and found the following item ( s ) to be errors. I have contacted equifax in writing 2 times once on XXXX/XXXX/2016 & XXXX/XXXX/2016, they do not respond and have ignored my request for information investigation & deletion. They have never responded to me. 
1. The inquiry was not authorized XXXX Account Number : Please remove this inaccurate information from my credit report. 

2. The inquiry was not authorized XXXX XXXX Account Number : Please remove this inaccurate information from my credit report. 

3. The inquiry was not authorized XXXX Account Number : Please remove this inaccurate information from my credit report. 

4. The information is incorrect for the following account No Account Name Account Number : XXXX Please remove it from my credit report. 

5. The information is incorrect for the following account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
6. The inquiry was not authorized XXXX XXXX Account Number : Please remove this inaccurate information from my credit report. 

7. The information is incorrect for the following account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a dispute to Equifax which was received by their company on XX/XX/2019 for the following : XXXX XXXX XXXXXXXX XXXX {$200.00} XXXX XXXX XXXX XXXX {$58.00} XXXX XXXX XXXX XXXX {$150.00} and onXX/XX/2019 : Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$220.00} I was informed by telephone that these were all " verified ''. However, as of XX/XX/XXXX I have yet to receive any written documentation of this " verification '' though I have requested it. 

I have re-submitted a dispute for the above four accounts to Equifax to supply me with documentation that these collections belong to me or to delete them from my credit report. Note that I've also since submitted another dispute that is en route to Equifax : ( XXXX XXXX XXXX XXXX {$1800.00} ) These same disputes were submitted to XXXX and XXXX and were deleted from my credit reports ( see documentation ). I am requesting that all these erroneous account be deleted from my Equifax credit report as well. 

They don't seem responsive to my requests. Their online dispute status website does not work and telephone calls to their representatives are difficult due to language and cultural barriers.