Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I went to dealership that advised they would n't pull credit and send to finance companies which was they did without my authorization. XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX  Inquiry from XX/XX/XXXX + Personal Loans Cos. XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX -
Complaint sub-issue: Reporting company used your report improperly

There is reason to believe that the website owned by Equifax may have sent out randomly generated responses in relation to if my information was stolen or not. I believe this is unfair to the public. I have a right to know if my information is safe. I do not think it is right for Equifax to use their services and still make people waive their right to a class action lawsuit for using their services.
Complaint sub-issue: Funds not received from closed account

Citibank closed my checking account for unknown reasons on XX/XX/2021. I received an email on XX/XX/XXXX advising me of this. I had XXXX in my account at that time and I was told that a deposit of XXXX and XXXX were invalid. That would leave XXXX in my account that Citibank owed me. I called on XX/XX/XXXX, and spoke to a XXXX who supposedly was a supervisor in the Electronic Fraud Department and she told me she was going to email the investigation depart to mail out a check to me and to call back 2 days later to verify that a check was issued. I called back 2 days later and spoke to XXXX and she said I had to wait 30-60 days for a check. I called today, XX/XX/XXXX, and XXXX said I wasnt due any money. I told her that I wanted to speak to a supervisor. I was connected with XXXX who was a supervisor in client relations and he told me that there was no supervisors in the electronic fraud department Which means that I was lied to once again. I received a letter from Citibank today saying that no funds were owed me and that as far as they are concerned the matter is closed. How can their representatives tell me that a check is in the mail and then that they owe me {$110.00} ( which I agree with ) to not owing me any money with no explanation?
Complaint sub-issue: Can't qualify for a loan

I am, as it stands currently, a student at XXXX XXXX XXXX XXXX in XXXX, MA ( at least until they drop my classes come XXXX XXXX ). XXXX is the number XXXX XXXX school in the country and costs close to {$60000.00} per year in tuition, fees and housing. As you can see, financial assistance is in almost every case necessary and I was n't born into a wealthy family. However over the course of my adult life I have taken steps to turn the tides on my family 's financial situation. So, with excellent credit, I had no need for a cosigner when I first borrowed money from Discover Student Loans in XX/XX/XXXX. Now, in XX/XX/XXXX, the only thing that has changed for my credit is the nearly {$80000.00} I have borrowed from Discover to pay for my first two years of school via their self-described student loan program. 

With less than 60 days before my next XXXX payment is due and after close to two years of financing me, Discover suddenly decided I am in need of a cosigner. For some students this would be a non-issue, but for me it 's a devastating conclusion. None of my friends, family or extended family have been able to get approved through Discover to be a cosigner. Not only that, but they were refused for Parent Plus loans through the university. I have utilized all of my available subsidized, un-subsidized loans and Federal XXXX XXXX options amounting to about {$8400.00} per semester ; and was depending on Discover to finance the balance, as they did in my first year-and-a-half, to cover XXXX 's tuition of approximately {$60000.00} per year. 

There should be no reason why a student with good credit history, who is only indebted by Discover Student Loans who agreed to lend them money in the first place, should be denied the funds to finish his or her education. With two years left to go for my XXXX degree and this last-minute demand for a consigner, I find myself too late for scholarship deadlines and with no financial options. Without my XXXX degree and the earning power it would provide me, it will be a struggle to even begin to repay the money already borrowed from Discover. 

I would like to see Discover Student Loans bound by 4-year degree contracts with their clients that state Discover Student Loans can not terminate financing until a degree is completed or the four years concludes, whichever comes first. Regardless of the need for a cosigner, Discover should not be able to plunge a student into debt by trying to renegotiate their contract midway through and without the promise of a degree. 

Discover has the right to change its policies but should not change things up arbitrarily and suddenly for students who are proven good customers and who they know have no other options. Imagine buying a house or a car and only getting half of the loan necessary so you ca n't actually buy the house or car but still have to pay the bank for something you never actually received. It is bad policy for a financial institution to renege on its obligation to a student halfway through the pursuit of a college education.
Complaint sub-issue: Account status incorrect

Inaccurate and fraudulent accounts from my credit report.
Complaint sub-issue: Unable to receive car title or other problem after the loan is paid off

Car Loan for XXXX XXXX XXXX XXXX vin # XXXX with KEY BANK Loan # XXXX was paid in full after we moved from XXXX XXXX to XXXX  We have requested the title but KEY BANK is saying they sent it to our old address and don't have it saying it's not their responsibility. 
We just received a lien termination letter which is no a TITLE. 
Without a title we can not register the car. 
Without a title, we can not sell or trade the car. 
We paid off the car in good faith and the bank lost the Title and is saying it's not their responsibility.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Put a Hard Inquiry on my credit and i never requested for a auto loan, or agreed to them running my credit for anything.
Complaint sub-issue: Threatened or suggested your credit would be damaged

This is not my account and i was repeatedly harrassed to pay for this account debt!!! I have asked politely to be removed from the contact list and to remove the account but im constantly being ignored. THIS IS NOT MY ACCOUNT AND I WISH TO BE LEFT ALONE! They have no proof of me physically coming to get an account and therefore i shouldnt have to pay for anything i didnt get a product from. PLEASE REMOVE THIS ACCOUNT IMMEDIATELY IM SICK OF THE HARRASSMENT!
Complaint sub-issue: Deposits and withdrawals

The State of Kansas refunded my overpaid XXXX XXXX  to a debit card from Key Bank. There is no Key Bank in all of Kansas. Just ATMs at places like XXXX. This is its own problem. I wanted a check. 

The debit card has almost {$2000.00} on it. The daily limit for withdrawals is less than this. I was able to get {$1300.00} on Saturday. Today I hoped to get the rest of MY MONEY. The withdrawal was repeatedly denied. I called customer service. The automated line told me my card was restricted and I needed to talk to an agent. I was put on hold until the system hung up on me. I need my money. I never opened an account at Key Bank and I never agreed to terms that had withdrawal limits from a bank that does not exist in my state. 

All limits and restrictions need to be removed. Ideally, KS would get my permission before issuing me a debit card. I wanted a check or a direct deposit. 

This compliant is specifically around the funds availability at Key Bank.
Complaint sub-issue: Non-sufficient funds and associated fees

Hello, my name is XXXX XXXX. I have had an account with Citibank for years and it is a shared account with my mother, XXXX XXXX, and sister, XXXX XXXX. My sister went on XXXX to look for a job but got scammed in the process. This happened in the month of XXXX. XXXX and I have a shared account and because of this, my funds of a little over {$4500.00} disappeared down to {$0.00}. XXXX called Citibank to let them know she was scammed and the things she has to do to get back my funds. Citibank told her if she filed a police report they WILL refund her the money. On XX/XX/2021, XXXX went to file a police report. In XXXX, everything was confirmed and the police report was completed. In XXXX, my mother XXXX XXXX went to pick up the Police document and went to Citibank to finalize the situation. When this happened, she was told it was too late. Citibank never told us there was a deadline to anything nor made us aware of one! Citibank also stated she would have to close all the accounts, and neither of us can no longer do business with Citibank. We got scammed twice once from the scam XXXX and another from Citibank. I also called Citibank during the entire month of XXXX and none, I mean no one, could tell me what had happened to my money. I felt like I was going insane.
Complaint sub-issue: Debt was paid

I already stated that I had full medical that should've covered the cost the time of the situation. They know when customers have full coverage on medical but did not do their job to process customer 's medical instead they want to charge and bill for something we shouldn't be billed for. This is ridiculous.
Complaint sub-issue: Reporting company used your report improperly

I disputed a bankruptcy that was reported to the credit bureaus on my credit report by XXXX. I reached out to the bureau and they said XXXX XXXX verified this bankruptcy belonged to me. I in turn reached out to XXXXXXXX XXXX  to see where they got this information and how was it verified. They told me thru the courts. I verified the us bankruptcy court does not provide information to 3rd parties. I have a right to privacy and for XXXX to illegally obtain that information is in violation of my consumer rights to privacy. It was not verified thru the source and needs to be removed or I will seek monetary support.
Complaint sub-issue: Didn't receive enough information to verify debt

Back in XXXX, I have sent Enhanced Recovery Co a letter of validation for 2 accounts that were placed with them, XXXX XXXX XXXX XXXX and XXXX. I have received no communication regarding this.
Complaint sub-issue: Investigation took more than 30 days

I am victim to inaccurate/fraudulent accounts appearing on my credit file. I was extremely upset when I found out that I had inaccurate/fraudulent accounts on my file. I immediately filed a dispute with the credit bureau in XX/XX/2021. It have been 90 days since my original complaint and I have yet to get my issue resolved. I have since filed a total of three disputes with no response from the credit bureau. According to the Fair Credit Reporting Act my issue is supposed to be addressed within a 30 day window. My consumer rights are being violated and I am suffering financial and mental stress due to the inaccurate/fraudulent accounts hurting my general reputation. I am being ignored by the credit bureaus and I know the Consumer Finance Protection Bureau is the governing body to the credit bureaus and will enforce that they are properly doing their job according to the consumer laws in place set by congress. I have attached the letters that was mailed to them over the three month span. I need all of the inaccurate/fraudulent accounts removed from my file immediately.
Complaint sub-issue: Debt was result of identity theft

EOS CCA I have no idea about this debt and it is incorrect. There is very little information to contact the merchant.
Complaint sub-issue: Information belongs to someone else

I file a report with XXXX  and XXXX  on two accounts they are reporting on XXXX and Gateway Mortgage both accounts are Fraud. I send documents to both XXXX  and XXXX. They are both violating my right under tile 15 The 609 letter was sent to both companies on XX/XX/18 XXXX.
Complaint sub-issue: Account information incorrect

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

XXXX XXXX This account doesn't belong to me. 
XXXX XXXX This account doesn't belong to me. 
XXXX XXXX XXXX This account doesn't belong to me.
Complaint sub-issue: Debt was result of identity theft

AFNI has just placed a debt which I have disputed through the CFPB multiple times in the past and it was been removed by each previous collection company because the account is fraud. I am now going to also file a complaint with the Maryland  Attorney General 's Office of Consumer Protection as this is now, I think, the fourth or fifth time I have disputed this debt as fraud but then it gets sold to different collection agency and isn't being flagged as fraud. 

They don't even bother to send anything in the mail anymore because they know FDCPA and State of MD law provides me 30-days to dispute it, so they just buy it and attach it to my credit card.
Complaint sub-issue: Account information incorrect

Hi Equifax has enter a secure loan if mines twice. The company name is XXXX XXXX and XXXX XXXX XXXX. This is one acct, not two loans. I tried to solve it but didn't get any where.
Complaint sub-issue: Information belongs to someone else

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Personal information incorrect

XX/XX/XXXX XXXX XXXX Tuesday evening. I received my Equifax credit report in the mail and you have my name wrong it should be XXXX XXXX XXXX XXXX XXXX instead of XXXX XXXX XXXX because I changed my name as of XX/XX/XXXX so it looks like someone has changed my name back which is fraudulently unauthorized. I want all names deleted besides my new name. I want all addresses deleted. I want all phone numbers deleted and have no phone number on my account. I want all inquiries deleted especially XXXX XXXX because I did no such thing with XXXX XXXX because I have been discriminated against by people who are using my identity for 20 plus years as if my stolen is portfolios is there. And since you have the wrong name then that means you have the wrong information and I want every address deleted because I did see the address of XXXX XXXX XXXX XXXX XXXX Nevada XXXX as well as XXXX XXXX XXXX XXXX XXXX  XXXX with the without the apartment XXXX XXXX Nevada XXXX needs to be deleted off my credit report. As well as XXXX XXXX XXXX address XXXX XXXX XXXX XXXX Texas XXXX date open XX/XX/XXXX and was put on chapter XXXX XX/XX/XXXX. It needs to be deleted off my credit report please. XXXX XXXX is stalkers and they need to get off my credit report I have no knowledge of these people I don't even know why they keep continue to being on my credit report will you please get these people off my credit report with the address of XXXX XXXX XXXX XXXX XXXX XXXX Indiana XXXX as of XX/XX/XXXX is Ally please get this off my credit report thank you. Another one that needs to get off my credit report because they are stalkers I have no knowledge of these people I owe them no money I have been dealing with this every since XXXX and trying to remove these stalkers off of my credit report and their name is XXXX XXXX XXXX.
Complaint sub-issue: Received bad information about your loan

I have provided Nelnet with a certified XXXX letter asking them to provide the master promissory note to substantiate the debt. No response from debt collector. I feel as if my rights under the FCRA has been violated. Since this debt has not been verified as accurate, I demand that the accounts be removed from credit report. My next course of action will have to be litigation.
Complaint sub-issue: Account information incorrect

AFNI Collections is reporting a debt on my credit report that is not mine. I recently checked my credit and noticed this debt on my credit file. I called immediately and told them this could not be mine as the original creditor was XXXX XXXX XXXX and I have never had an account with them. This collection is erroneous and needs to be removed from my credit file.
Complaint sub-issue: Card opened as result of identity theft or fraud

On XXXX Friday of 2022, I went into Home Depot with my wife to purchase some goods. After we had made it to the checkout, a lady began ringing our items and then asked about credit card applications. I said I was interested and she began the process. The issue begins after that when I saw the XXXX was XXXX  % and I said absolutely not and wanted to cancel. The Home Depot employee then put her body between me and the credit card reader and typed a bunch of stuff quickly then left to get another employee. Once the other employee got here, she said ok bye and left. I asked what had happened and if the credit card was cancelled which the lady said she had no idea about and that it should have been. 

Well it wasnt. The lady ignoring me, decided to continue with the whole application and send it even after telling her to stop. 

Once I got the mail that I had attempted to open this CC, I talked to XXXX XXXX chat who said someone with XXXX XXXX would contact me to help deal with this issue. Well, 3 months later and not a single call. I have tried contacting, but all I get is hung up on constantly. I even had Citi bank who deals with XXXX XXXX 's XXXX try to help me contact someone and they had the same issue. XXXX XXXX 's Own partners couldn't navigate the support lines. 

This is absolutely unacceptable and will be pursuing fraudulent Credit Card charges against XXXX XXXX for this. I attempted to talk to them and get this all taken care of, but they are nowhere to be found.
Complaint sub-issue: Information belongs to someone else

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 15 U.S. Code $ 1681c-2 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 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!
Complaint sub-issue: Account status incorrect

I am suffering with a bad credit score because of incorrect reporting of late payments. I have been deferring my loans and on time every year since I have graduated. I was finally able to get my degree and have been searching for employment but I have found out that some places that I am applying for will not hire me because of my bad credit score. I have not debt except student loans and this information is inaccurate. By law, the bureaus are only to report accurate and factual information. I need this investigated and corrected.
Complaint sub-issue: Billing dispute for services

I was alerted in XXXX or XXXX that a private student loan was taken out by an individual XXXX XXXX. XXXX used my information without my consent, and listed me as a co-signer for the private loan. As a XXXX XXXX XXXX we were told that re-payment of the loan will occur after graduation. I was notified of paying for a loan which was improper and I was then informed that I was the secondary holder for the loan. During this time, XXXX XXXX was the lender. I made the proper steps by filing a report and sending the information to the lender. 
On XX/XX/XXXX, I was notified that the loan payments were late. I spoke with the representative who opened another investigation. On XX/XX/XXXX, my credit score decreased by XXXX points. I was under the impression that XXXX will file a report or investigation, however, it was reported to all XXXX credit bureaus which drastically affected my credit. 
I have filed a complaint with the FTC, previously placed identity fraud of my social to avoid theft in the future.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

These inquiries doesn't not belong to me and we're not authorize by me XXXX XXXX XXXX FCU XXXX AUTO SALE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCU XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem with a check written from your prepaid card account

Cash app scammer said XXXX send me money and I gave him my information and he threat to use my ssn for a loan
Complaint sub-issue: Their investigation did not fix an error on your report

I have an account on my credit report XXXX and Equifax from XXXX XXXX XXXX XXXX that was settled in court. As part of the settlement this account was to be removed from my credit report. XXXX  removed the account but XXXX and Equifax will not. I realize this account has little impact on my credit score but it is the principle that counts to me. 

I worked for XXXX XXXX at the time and they filed bankruptcy and I had to take an {$8.00} an hour pay cut with zero notice. My car got repossessed, I almost lost my house and I had to sell many of my possessions to make ends meet. But I never filed bankruptcy, I paid all my Debts. Its been 12 years and it is still impacting my credit. 

Why is it that the people who filed bankruptcy or simply just walked away from their house have better credit than the people who weathered the storm and paid their bills. 

I ask that you please remove this Item from my XXXX and Equifax credit report thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX
Complaint sub-issue: Right to dispute notice not received

Agency refuses to update my account to the credit bureaus and supply the information that my debt has been reduced after consistent monthly payments. Under Sect. 623 of the Fair Credit Reporting Act, they have the duty to report supplementary information to the credit bureaus. When I have called them about it, they are insulting, abusive. I waited on hold for 45 minutes while they supposedly researched the statute but I finally had to hang up, so I could n't hear what conclusion they reached.