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

I currently have a XXXX  US Bank card that I have had for a year now and have direct deposits placed on. Both from my employer and from social security. I receive benefits both for myself and for my son XXXX XXXX. Now XXXX has been receiving his benefits on my account for 3 months now. Last week on the XXXX I received a stimulus payment for XXXX. Now all of the sudden with absolutely NO warning they deactivated my account. They say that I need to provide identification information. So I did 6 times over, they received it all. Now they are still telling me I have to wait 5 business days. I absolutely can not wait another 5 business days!!! They shut the account down in minutes then they need to turn it back on. My son was born a month early and requires special formula. He absolutely can not wait 5 business days! I don't have enough formula or diapers for 5 more days.. I have no more money.. I have no other options or support to feed my children. I need my money and the money that is soon to be direct deposited as of yesterday. Not another 5 days. I can not understand how all my sons other deposits which are put in separate from mine have cleared with no issues at all and now all of the sudden with no warning I have no money and no way to care for my son.
Complaint sub-issue: Debt was paid

In XXXX of XXXX, I was lied to about internet service speed received from XXXX XXXX XXXX. Was told that they had the fastest internet speed in the area, but was not true. TV service stayed in buffer mode 95 % of time. Called to cancel service within 30 days and was advised that they do not have a customer guarantee program, but due to false advertisement of their internet speed in my area ( which interfered with my ability to watch TV free and clear of buffering ), I would only have to pay {$90.00} of the bill and they would credit off the rest due to the poor service received. I paid {$90.00} on-line. A few months later, derogatory information appeared on my credit report and I was contacted by a collection agency. I disputed and provided payment information and my credit report was corrected immediately. Now, 2 years later, XXXX XXXX XXXX has hired another Collections company to come after me. I disputed again and the results came back that the debt is valid. I also called XXXXXXXX XXXX XXXX regarding this and was advised that they would get back with me in 7 to 10 days. I am still waiting. The agent advised ( when I called to question the collection activity ) that they do have record of the {$90.00} payment I made with the transaction number. At this point, I am getting the run around and being harassed by XXXX XXXX XXXX about a debt I do not owe.
Complaint sub-issue: Their investigation did not fix an error on your report

I filed complaints on a item reported which was not a valid debt, the charges made to the card were for car repairs which were not authorized and did not resolve the issue of the check engine light being on. Additionally the credit card company XXXX XXXX XXXX continued to charge interest and late fees well after the account was charged off to a total of {$1000.00} in late fees and additional interest. The credit limit on the original card was {$2100.00} the total amount finally charged off as bad for the unauthorized charges and work on the car was {$3100.00}. Upon review I did not sign or authorize the use of my name on the credit application. XXXX XXXX  XXXX responded in writing to me and removed the information from XXXX. I am certain they also submitted the information to Equifax and to XXXX. Equifax is still reporting the incorrect information.
Complaint sub-issue: Their investigation did not fix an error on your report

UNDER FCRA LAW, account could not be validated or verified and collections have ceased. REMOVED all collections as well as XXXX  XXXX XXXX  from my report.
Complaint sub-issue: Was not notified of investigation status or results

I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts I disputed. Being that they have gone past the XXXXday mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information which can not be verified, that I have disputed. Please resolve this matter as soon as possible. Thank You.
Complaint sub-issue: Account information incorrect

My credit report shows that I have a balance with XXXX XXXX XXXX of {$220.00} which is incorrect. This loan has been paid in full.
Complaint sub-issue: Information belongs to someone else

I have an account showing on my credit report for XXXX XXXX. See below Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms Usage : 100 % Balance on XX/XX/XXXX Credit Limit {$7100.00} {$7000.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX and XXXX credit Bureaus have not replied to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of the accounts listed below. I believe it was reported in error. 
XXXX XXXX Balance : {$990.00} ; XXXX XXXX Balance : {$10000.00} ; XXXX XXXX Balance : {$5800.00} ; XXXX XXXX Balance : {$1900.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I DO NOT RECOGNIZE THIS COMPANY nor the Original Creditor thats showing. I've disputed in both XX/XX/XXXX and XX/XX/XXXX the account and it came back verified. I have requested method of verification on XX/XX/2018 for this account of XXXX XXXX XXXX XXXX was told to contact the creditor. Based on FCRA 611 ( a ) ( 2 ) ( B ), I was supposed to receive all of the relevant information used in the investigation to " verify '' this as a valid debt/account belonging to me. I only received a notice telling me the account was verified and to contact the creditor. WHICH I HAVE and they have NOT been able to send me any valid documentation that they own or have right to any accounts belonging to me. If this is unresolved, I do plan to contact the XXXX XXXX XXXX and the FCRA about the false information that is remaining on my report without any validation or verification that it belongs to me.
Complaint sub-issue: Debt is not mine

My roommate decided to purchase cable through XXXX XXXX she ended up falling for XXXX those check scams where you cash a check for someone and then the check bounces and you owe the bank the money from the bounced check. So she ended up losing her bank account and could no longer pay the XXXX TV account with her credit card. Therefore, I offered to pay her monthly fees with my credit card and she could give me the cash. However, the account was still completely in her name attached to her social security card. Fast forward a couple months she decided to move out and takes the XXXX account with her to her new place. Fast forwarded almost a year ( I would sometimes get calls from XXXX asking me if I knew where XXXX ( my old roommate ) was and I would tell them no ) I see that XXXX has sent me to collections. I call the company right away pretty angry at the situation because not only did they have all my information but they wrongly sent me to collections damaging my credit. When I asked how they got my information they said that I tried to purchase XXXX once before ( which I immediately canceled due to bad customer service ) and that is how they got my social security number. Anyways, they were not very helpful and told me to file a dispute with the credit bureau which I did and won and it was taken off my credit. However, I recently checked my credit again and it was back on under a different name. I was very confused so I called the credit bureau and they said that after XXXX lost the dispute they sold it to another collection agency! Which seems really crazy to me and completely unjust. The credit Bureau then gave me your information and told me to contact CFPB and file a complaint. This was taken off my account and then was just added by your company I have disputed this and won many time now so I do not understand how it keeps getting bought by different companies.
Complaint sub-issue: Information belongs to someone else

I contacted equifax XXXX and XXXX and sent them my identity information to verify it was me and to have them remove the incorrect addresses off of my report, the incorrect names, the inquires several times and they did not. I told them I didnt authorize anyone to run my credit, and they did not ask for my permission to put these accounts and addresses and inquiries on my report. And I also told them that under 15 USC 1681a ( 3 ) they assumed this role without my permission and they did not respect my right to privacy. They never did anything to fix these problems.
Complaint sub-issue: Account status incorrect

Equifax ; XXXX  and XXXX  are reporting incorrectly late payments on the XXXX XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) This account was included in a bankruptcy years ago and has recently appeared on my credit report. This account should not be reporting at all. It is a violation of the Fair Credit Reporting Act to report inaccurate information and this line item needs to be removed from my credit report. I have contacted XXXX XXXX XXXX XXXX XXXX as well as the ( 3 ) bureaus to remove this item however, I have not been successful.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Monthly for the past six ( 6 ) months, on the XXXX of every month backward from and including XX/XX/2021, Square  ( also called " XXXX '' ) payment processing service continues using my debit card/XXXX  account numbers to take payments for canceled services. 

As attached emails, documents, and bank screenshots show, every attempt, by me and by XXXX XXXX branch of XXXX XXXX XXXX, to stop these thefts has failed. 

Furthermore, that every contact with Square follows an identical profile strongly suggests that we have not been dealing with actual human beings at all, but instead with an AI ( artificial intelligence ) computer program that was designed to perpetuate fraud by imitating humans, thus deceptively leading complainants to believe that their complaints are being addressed in good faith. This problem is so widespread that the US/FTC recently issued a ruling to cope with it.
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

we have contacted us bank concerning this problem. but they keep ignoring my pleas aboute the debit transactions being levied agaisnt me and account we have told them it was not our fault for these " overdraft '' fees we get social security payments?? and can not afford these overdraft fees. thes add up quitk-ly this is the second time this has happened we want all fees returned too my accounts XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ohio
Complaint sub-issue: Information belongs to someone else

After checking my credit report back in XXXX, I noticed items on my credit report that did not belong to me. I called the creditors and credit bureaus directly to dispute the inaccurate information and make them aware of what I noticed on my reports. This has caught me by surprise as I never received collection phone calls pertaining to any debt that was allegedly mine. Later, I was able to get this information updated and even placed a fraud alert on my credit report to be cautious. I have been in communication with the debt collection agency XXXX XXXX XXXX XXXX XXXX advising them that the debt they're saying is mine DOES NOT BELONG TO ME. I have never had a contract with XXXX XXXX XXXX XXXX XXXX - I am not liable for the collection of the debt from XXXX XXXX as this is not mine. I have been disputing this inaccurate information since XX/XX/XXXX and they have not removed this information from my credit file. This has hurt me severely in regards to obtaining credit. XXXX XXXX XXXX XXXX XXXX states that they have validated the debt, however, under the FCRA, they are required to provide a copy of the original creditor 's ( XXXX XXXX ) documentation on file to validate that the debt is mine ( which they have failed to do so ). XXXX XXXX XXXX XXXX has not provided me with a consumer contract with my signature on it validating this debt belongs to me. I have been disputing this for a while now and this has hindered my credit file tremendously.
Complaint sub-issue: Company closed your account

I had a XXXX XXXX card issued by US Bank to specifically use for XXXX transactions. I had $ XXXX XXXX  dollars ( which is equivalent of $ XXXX ) in my account. The company taking advantage of the XXXX situation closed my account aggressively without my permission. It hasn't also paid my XXXX dollars or its equivalent money in US dollars. When I was trying to use it today, I called the bank and I was told my account has been closed and I have lost my balance XXXX dollars and it can't be reinstated.
Complaint sub-issue: Information belongs to someone else

This is my several 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$23000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$18000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$2700.00} ; XXXX XXXXXXXX XXXXBalance : {$2200.00}.
Complaint sub-issue: Didn't receive notice of right to dispute

I have never had a phone bill with XXXX. However, one did appear on my credit over a year ago. The representative from XXXX advised me to file a police report- i did. XXXX removed the account from my credit. 

That said, an account by Enhanced Recovery in regard to XXXX was placed on my credit. I never received a collection notice from them- if i had i would have advised them that the account was fraudulent
Complaint sub-issue: Attempted to collect wrong amount

Enhanced recovery company keeps contacting me about a XXXX debt that has exceeded it's statue of limitations. I last had XXXX cell phone service in XX/XX/2012 yet every year as current as XXXX XXXX enhanced recovery company updated once a brand new statement on my credit. By renewing it on my credit report it falsely makes the debt appears brand new rather than it's true age of almost XXXX years old.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act ; the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

Bankruptcy Chapter XXXX ACCT # XXXX Bankruptcy Chapter XXXX ACCT # XXXX XXXX  XXXX  XXXX  ACCT # XXXX XXXX  ACCT # XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 15 USC 1681 Section 602 A states I have the right to privacy 15 USC 1681 Section 604 A section 2. It also states a consumer reporting agency can not furnish an account without written consent.
Complaint sub-issue: Their investigation did not fix an error on your report

CFPB + Equifax, The companies below have many inaccuracies on my Equifax credit report - I have submitted variations of these before - you have not accurately investigated and resolved these. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Twice ) Attached to this complaint are : - My drivers license - My social security card - My mailing address - My dispute letter You legally are not allowed to leave these inaccuracies on my credit report and do nothing about them. 

I am looking to have these credit accounts removed from my Equifax credit report for many blatant inaccuracies they refuse to fix.
Complaint sub-issue: Didn't receive terms that were advertised

I opened an account with Citibank in XXXX of 2021, specifically to take advantage of a promotion ( XXXX ) they had in which you would receive a {$300.00} bonus for depositing $ XXXX in a checking account and maintaining that balance for at least 60 days. I opened my account over the phone via a Citibank representative and clearly told them the reason I was opening the account was for the bonus. She opened my checking account and my initial deposit of {$15000.00} was deposited on XX/XX/2021, within the XXXX deposit period stipulated by their conditions. After not receiving the {$300.00} bonus after the XXXX period, I called Citibank and they told me I had to wait another 90 days for it to process but that my account was showing that the bonus would be applied. I called back XXXX more times before the 90 days just to check in and each time the representative told me that my bonus would be applied and that I just needed to wait. XXXX rolled around and I called twice since it had been over 6 months since my initial deposit. The first representative told me the bonus should have been applied already and couldn't give a clear answer on why it hadn't. She told me she would send the case to a supervisor and that I should receive an email or correspondence within 7 days. Within the week I got a letter stating that I did not qualify because the " linked savings account was not opened within the stated timeframe. '' I have several issues with this : XXXX. I specifically opened the account with the intention of receiving the bonus and I did it over the phone with XXXX of their representatives. If a savings account was required, she should have been able to open that for me at the same time. 

XXXX. Their promotion also specifically says " earn a cash bonus... when you open an eligible checking account and complete required activities. '' There is no mention of opening a savings account on all of their promotion brochures, etc... If there is a savings account stipulation mentioned it is hidden in their fine print. 

XXXX. I was told multiple times by Citibank representatives that I qualified for the bonus and that it would be applied to my account with time. I waited over six months from the time I opened the account and then they ended up sending a denial letter. 

I can provide more details if necessary and if Citibank actually records their calls they have multiple conversations recorded of their representatives saying the bonus should have been applied.
Complaint sub-issue: Account terms

i complained about this company on XXXX/XXXX/2015 and they asked me specific case that i am disputing,,, i am disputing on XXXX Card on My file they changed the payment dates several times Only ON XXXX, it shouldve Fallen off long time ago but some how they have acces on youre data and change the last payment time which is wrong,, Also i had XXXX accounts on My record which Fallen off due to statue of Limitation but still you reporting the original creditors on my record which has a wrong date on it and these accounts are Showing as Closed accounts but still in my record the XXXX accounts are the ones i am Talking about since XXXX agreed and stooped Reporting XXXX also suppose to Follow not stay in my recordthank you
Complaint sub-issue: Information belongs to someone else

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. IS 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 The following accounts are all fraud and need to be deleted from my credit report immediately.
Complaint sub-issue: Account information incorrect

I am writing this as a formal complaint against Equifax for not investigating and removing the errors and inaccuracies from my credit report. Equifax has violated my privacy and my rights under the FCRA. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit reporting agencies required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. Under the FCRA, unverified accounts must be removed unless they are able to provide me a copy of verifiable proof which they have yet to do after multiple requests. Please see my attached disputes previously sent to Equifax and help me get these resolved.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I filed a dispute in the EQUIFAX website about my credit report. In their report they were duplicating my student loan balances that have been transferred from XXXX XXXX XXXX XXXX XXXX ( on XX/XX/XXXX ) and subsequently were transferred from XXXX XXXX to XXXX ( on XX/XX/XXXX ) by the Department of Education when my application to the XXXX XXXX XXXX XXXX was approved. 

EQUIFAX contacted me with the results on XX/XX/XXXX stating that the status of open and the corresponding balances with XXXX XXXX were correct after they carried out their investigation. After filing a complaint with CPFB, EQUIFAX corrected the incorrect student loan accounts with XXXX, and finally reporting them as closed, transferred and with {$0.00} balance. However, EQUIFAX repeated the same mistake and now is reporting my student loan accounts as open and with balances with both XXXX  XXXX. 

That is incorrect. As I explained from the beginning, the Department of Education again transferred and paid off my student loans from XXXX  XXXX to XXXX on XX/XX/XXXX. Thus, the credit report should reflect just the XXXX student loan accounts with XXXX, which correctly are reported as open and with balances. However, all student loans with XXXX  XXXX should be reported as closed, transferred/paid off and with {$0.00} balance as demonstrated by the letter from XXXX  I enclosed in my complaint with Equifax and that I am enclosing for this complaint with CPFB too.