Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with direct deposit

I XXXX XXXX XXXX am a current victim of identity theft which has been reported to the FTC since XXXX of 2019 i have had over half of my direct deposit from my government benefits come up missing off my card i receive SSI, I have taken all the steps to attempt to fix this with the company but they deny my disputes everything just this month I had almost XXXX gone I call to dispute it and they didn't do it told me I had to wait 5 days and with this XXXX I'm at XXXX thats been stolen from me. 
I have been informed by direct express that my card number was compromised and printed onto another card so thats how it was being used at a atm but now they are saying that's not possible and all I want is the money thats rightfully mine i mean due to the identity theft i can't even open another bank account.
Complaint sub-issue: Personal information incorrect

I was going over my credit report and I noticed a few errors. I was reading 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 the original signed consumer contract - any and all accounts you post on a credit report, this was definitely not done. I demand the following accounts to be deleted : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX
Complaint sub-issue: Other problem

XXXX XXXX XXXX & Citi Bank are using their significant market power to discriminate against customers based on lawful firearm related business activities. These decisions were unabashedly prompted and lauded by anti-gun activists as political statements and social engineering, not as business decisions based on any alleged financial unsoundness or criminal activity of the affected customers. Lawful activities in accordance with U.S. Constitutional rights should not be discriminated against!
Complaint sub-issue: Fee problem

On XX/XX/XXXX, I checked my account ( including pending charges ) before making 2 transactions. One charge was a payment to my credit card, the other was a debit card transaction. I showed a balance of just over {$62.00}, and my transactions were for {$40.00} and {$20.00}. I checked my account today, XX/XX/XXXX, and there is a service fee on my account, causing a negative balance. The fee shows it passed on XX/XX/XXXX, but it didnt show on the account at all until XX/XX/XXXX, causing an overdraft and likely costing me a {$35.00} overdraft fee for a {$10.00} fee. Bank of the West lacks transparency and should be required to show pending fees, especially when the fee us literally because I dont have enough money going into the account.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have unauthorized inquiries on my report and I need them removed. Ive filed disputes already amd now I need the removal of these items expedited. 
These following inquiries were unauthorized : XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}, {$23000.00}, {$8900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX XXXXXXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616,  and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

2. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$23000.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$8900.00} -This is not my account.
Complaint sub-issue: Funds not received from closed account

I closed my checking account on or about XX/XX/2018. My XXXX pension check was sent to the bank ( direct deposit ) and received XX/XX/XXXX. Instead of sending the check to me at my home address, the bank ( having rejected it ) sent it back to XXXX, which then sent it ( hopefully -- it hasn't arrived ) to me. 
This roundabout way of fund transfer is unacceptable. Why must I ( a XXXX citizen on a fixed income ) be forced to wait extra time for a check -- especially a fairly large one? This policy is discriminatory and must be changed. Thanks.
Complaint sub-issue: Debt is not yours

I started monitoring my credit using XXXX in XX/XX/XXXX. Upon checking my credit report, all 3 major bureaus listed Hunter Warfield as collections. I have never had any accounts or dealing with this company. I did not sign any  contracts with this company. I requested that they validate the account in which they are attempting to collect the debt by certified mail on XX/XX/XXXX. This company states that I owe them {$4300.00} and they are demanding that I pay this amount. They are insisting that this is my debt. However, it is not. They refuse to remove this information from my credit report, as it is wrong. Each month this company reports to the three credit bureaus raising the alleged amount of debt. This is proven to be injurious to my credit standing. I applied to XXXX XXXX XXXX XXXX to refinance my vehicle but because of this debt reporting for the above amount stated they were unable to refinance my vehicle.
Complaint sub-issue: Used obscene, profane, or other abusive language

I feel that no one is taking serious this situation, I begging the CFPB to please take care of this matter, on Mon XX/XX/XXXX, at XXXX XXXX I Q Data received a certified letter # XXXXwith a Cease and Desist and an Affidavit of truth marking all the violations they committed. In one of the letters I asked to cease and desist all forms of communication with through any and all mediums, I asked to delete and zero out the accounts from any consumer reports, and to pay the invoice for every violation they committed, I gave them a 30 days period, Its been 30 days and they still reporting the alleged debt, and they have not responded with my requested remedy. Pursuant 15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication They should not have any communications through any mediums and they should cease and desist the mentioned activity. If we look at the The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. ( They still conveying information regarding the debt through all the Consumer reporting Agencies ) They are on violation. which is not even included in the invoice that I sent them previously. Another violation they committed from the beginning is which is not in the invoice either, 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally. 
I never gave I Q Data a written consent to even communicate with me about this alleged debt, No consent is Identity Theft. 
I'm feeling very frustrated and very XXXX  out about this situation, I have to literally no sleep because I have been dealing with this, and I feel they are going to cause me receiving further injury damages, mental anguish, and looses due to me being a victim of identity theft. 
They are in default of the cease and desist and affidavit of truth I sent them, HOW CAN SOMEONE REBUT AN AFFIDAVIT OF TRUTH?
Complaint sub-issue: Reporting company used your report improperly

XXXX-XXXX cancelled my cable service that is paid via my condo association ( tenant requested to have internet service put in their name and XXXX accommodated without my consent and then erroneously canceled association funded cable service ).. when I called to correct the error on my Acc # XXXX they conducted a hard inquire on my credit on XXXX XXXX 2017 that I never authorized.
. I authorized the same past billing inquiring that was conducted when I initially was provided cable service prior to the erroneous cancellation. XXXX was only to check to see if I had any outstanding unpaid XXXX/XXXX balances with their company not perform a hard inquiry on my credit report on a service that should have nevr been canceled in the first place.
Complaint sub-issue: Account information incorrect

XXXX is incorrectly reporting that there was a missed payment in XXXX 2017. I have made all payments on my account on time, and have email confirmation for this payment. I have submitted a dispute through XXXX four times, yet they have never proceeded to correct their error.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Inquires XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There was an inquiry on my XXXX  credit report from XX/XX/2020, that was a result of identity theft. I discovered this during a review of my credit report. I called XXXX and they told me to contact the reporting company. I immediately put a freeze on my credit reports. I called Credco who made the inquiry and was told that the inquiry was from XXXX XXXX. I spoke to the dealership manager who told me about the applicant who applied for the credit. I verified my information and proved it was not me who applied for the credit. I spoke to Credco and was told to file a police report and a report with Identitytheft.gov. I did both of these and emailed them the reports asking them to remove the inquiry from my credit report. 

When I spoke to XXXX at Credco today, she told me that they now require me to send them a copy of my social security number, my driver 's license, and a copy of a utility bill. I told her that they never requested that information before and asked her if I sent them the additional documents if they would immediately remove the inquiry from my report and she was not able to guarantee me that they would. I told her that the information they are requesting is very sensitive and I do not feel comfortable releasing this information to a company that has not been authorized to receive this information and they could use it to further steal my identity now that they have a copy of my social security card, driver 's license, and utility bill. How can I be sure that they are not part of the identity theft scam? 

In essence, I told her that they are re-victimizing me by refusing to remove a fraudulent inquiry in spite of proof from a police report which they requested.
Complaint sub-issue: Reporting company used your report improperly

I recently received a copy of my consumers report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Complaint sub-issue: Problem getting report or credit score

I am unable to get my credit report or Score from Equifax and have had trouble with this for over a year. I have filed a complaint with you guys months ago and nothing ever happened. XXXX is trying to pre-approve me for the home of my dreams and I am getting turned down because they ca n't obtain my Equifax report. This happen to me this summer when i contacted you guys because I got turned down for a boat I wanted but they too could not pull my Equifax. I sent you guys some of the XXXX emails I have sent to Equifax and I ca n't get anyone at Equifax to help me, my last complaint number was XXXX. I have not been able to have any creditor to be able to obtain my Equifax for over a year now. I am sick of my credit report being held XXXX, I have read I can sue them for each time they do not release my info which has now been dozens. That could cost them a lot of money. Do I need to hire a lawyer and sue them for this for I am about to lose the home i have been looking for for 2 years. I am pre-approved with experian with a XXXX and XXXX with a XXXX, all they need is my Equifax which should be even higher. All I want is my credit file fixed but I am not waiting much longer before I just file a lawsuit. I ca n't take this anymore and they are definitely in the wrong! Please tell me if you can help or I should hire the lawyer I have been talking with?
Complaint sub-issue: Transaction was not authorized

There was an unauthorized transaction in the amount of {$2300.00} on XX/XX/2020 from company named XXXX XXXX. I have no knowledge of the transaction and did not authorize this charge. I disputed this charge with Citibank already, but they ruled in the opposing parties favor. I am 100 % sure this transaction is not mine, please assist in fixing this issue.
Complaint sub-issue: Reporting company used your report improperly

The following accounts have violated my rights. 
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 15 USC 1681 section 602 A, states I have the right to privacy. 

15USC 1681 Section 604 Section 2, it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC1681c. ( 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 ante cedes 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 or has reasonable cause. to believe that the information is inaccurate.
Complaint sub-issue: Investigation took more than 30 days

I'm in the process of trying to fix my credit. Recently I've seen many inaccuracies on my credit report. I sent letters to all three bureaus XXXX, equifax, and XXXX  This process has taken to long. I have not received any response by mail or email. Pleased help me resolve this issue.
Complaint sub-issue: Investigation took more than 30 days

Equifax website, where I submitted a dispute, is constantly down. I am unable to check status, get verified. In short, I am unable to proceed in removing an incorrect negative impact to my credit. 
At this time, as more than 30 days have past I request removal of the negative impact, per law.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX 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
Complaint sub-issue: Card opened as result of identity theft or fraud

From XXXX to today XXXX/XXXX/XXXX Discover BANK has been sued over 40 times in Federal courts and over 200 times in States courts each time Discover were order by the courts to pay damages! I have never received o cent form Discover BANK!
Complaint sub-issue: Public record

I have a judgement on my XXXX and Equifax accounts and I 've stayed with my parents since XX/XX/2008.
Complaint sub-issue: Information belongs to someone else

Called Equifax on XX/XX/XXXX. I noticed three Fraudulent Inquiries on my Credit Report. 
They refused to help me at all. 

1. XXXX XXXX on XX/XX/XXXX 2. XXXX XXXX on XX/XX/XXXXXXXX 3. XXXX XXXX on XX/XX/XXXX Please have these three inquiries removed immediately!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/XXXX a credit inquiry for XXXX XXXX was placed within my XXXX, Equifax, and XXXX credit report. I contact the three bureaus to get them removed however they refused and told me I had to contact the company. So that's what I did. 

I called XXXX XXXX multiple times to get these resolved. After a few weeks they finally sent me a letter saying they advised the three bureaus to remove the inquiry from my report. However, the inquiry remained. I then contacted all three bureaus and sent them a copy of the letter ( attached ) sent to me from XXXX XXXX. The inquiry was removed from XXXX and XXXX, but Equifax still won't budge. 

Now, the XXXX XXXX inquiry was reinserted to all three reports dated XX/XX/XXXX. I now  have TWO unauthorized inquiries ( XX/XX/XXXX & XX/XX/XXXX ) on my Equifax report, and one unauthorized inquiry on XXXX and XXXX ( XX/XX/XXXX ) - all from XXXX XXXX. 

I have NEVER held nor applied for an account with XXXX XXXX.
Complaint sub-issue: Account status incorrect

XXXX, Equifax and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Complaint sub-issue: Reporting company used your report improperly

To whom it may concern : I have received a copy of my Equifax credit report and I noticed some late payments posted on my credit reporXXXX XXXX XXXXXXXX XXXX  Loan Account number XXXX XXXX XXXX XXXX  Loan Account number XXXX Your company is in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer rights the law clearly states ( a ) In GENERAL Subject to subsection see any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instruction of the consumer to whom it relates Did I give you written instructions to furnish this on my credit report?

Furthermore, the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( I ) exclusions from a consumer credit report clearly states ( 2 ) Exclusions-except as provided in paragraph three the term consumer report does not include ( A ) subject to section 1681 of this title Any report containing information solely as to transactions or experiences between the consumer and the person making the report Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681 Failure to respond satisfactorily deletion of the above referenced account and sent out a free copy of my credit report after the changes have been made will result in legal actions being taken against your company for which I will also be seeking {$1000.00} per violation for 1. Defamation of character 2. Negligent embroiment of identity fraud 3. Fair debt collection practice ax 15 USC violations 4. Fair credit reporting act 15 USC 1681 violation for willing full noncompliance civil liability for willing for noncompliance 15 USC 1681
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX was recently added to my credit report and I do not have any account or any connection with this account to owe a balance. This is a fraudulent account that is being reported on my credit report as it is giving deliquent marks and not my account.
Complaint sub-issue: Personal information incorrect

I received a notice of late payment on my credit report from Nelnet. When going in to details on why I have not received my statements it was because they had a wrong address on file as to why I could not receiving statement. I contacted Nelnet n XX/XX/2018 thru CEO XXXX XXXX no response from him and Customer Service Solutions asking for my credit report and then nothing.
Complaint sub-issue: Reporting company used your report improperly

15 USC 1681 Section 602 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

i have contacted XXXX, Equifax XXXX XXXX about the many inquires on my account i do not recognize i informed them of how i have contacted each company and they could not provide me with any information. i did not authorize any pulling of my credit with these companys XXXX Credit Report XXXX XXXX XXXX, ( total of XXXX ), XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - ( total of XXXX ) XXXX XXXX XXXX, multiple XXXX XXXX, multiple XXXX XXXX XXXX XXXX, multiple XXXX XXXX, multiple XXXX XXXX XXXX  multiple XXXX XXXX XXXX  multiple XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX multiple special finacing comp multiple Equifax XXXX XXXXXXXX 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: Information belongs to someone else

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX BV XXXX XXXX, CA XXXX XXXX C XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX : {$42000.00} XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/XXXX AN # XXXX XX/XX/XXXX
Complaint sub-issue: Investigation took more than 30 days

Hi my name is XXXX XXXX. I have never done business with XXXXXXXX XXXX XXXX XXXX  XXXX XXXX neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have the right to demand and see the contract between XXXX XXXX XXXX XXXX XXXXXXXX XXXX and myself! Please send the proper validation
Complaint sub-issue: Reporting company used your report improperly

credit report are supposed to be accurate an valid my reports are not such across the board the amount for violations of my rights will be drawn up in an invoice with a list of violations as i have given them years to fix these issues