Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem using a debit or ATM card

Im trying to use my debit card while travelling but the bank locked my card and I called them to unlock something they are refussing to do it.

They sent me a code to my phone and I never receive, but the sms code to access online banking I receive that whithout any problem
Complaint sub-issue: Information belongs to someone else

I am writing to delete the following information in my file. The items that need to be deleted are listed in my report. 

I am a victim of identity theft and did not make the charge. 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.
Complaint sub-issue: Their investigation did not fix an error on your report

MY XXXX XXXX XXXX LOAN ACCT XXXX .... WAS PAID OFF IN 2015 BUT IT'S REPORTING AS A CHARGED OFF ACCOUNT.
Complaint sub-issue: Deposits and withdrawals

Hello, I received a deposit from XXXX for the paycheck protection program which I legally qualified for and as soon as my deposit hit my account they immediately put a security hold on my account without notice or notifying me, blocked access to my debit card and didn't respond when getting into contact with them to let me know what i need to provide to lift this hold on my account, they have been having a hold on my account since XX/XX/2021 and it has put a financial burden on me and my business causing a temporary shut down, me losing employees, also me losing a vehicle and ruining my reputation it was bad enough covid put a strain financially on my business now this, and it has been going on for 6 months I tried to settle this peacefully but this is illegal and out of hand. The amount of the deposit was {$48000.00} and the deposit date was XX/XX/2021
Complaint sub-issue: Information is missing that should be on the report

The information listed in my credit report is not accurate and incorrect. I recently called XXXX XXXX  and confirmed that the reported information is incorrect. Please remove the negative XXXX XXXX  credit card information from my account or I will be suing you.
Complaint sub-issue: Debt is not yours

Please note on XX/XX/2019 PMAB LLC received my first request to validate and verify accounts which they have reflected on my credit. They responded on XX/XX/2019 with just an itemization which was not what I requested. I sent a second notice on XX/XX/2019 requesting validation/ original contract with my signature. The same response as the first request was sent dating XX/XX/2019. Again this is all itemization with no validation that this debt belong to me as there are no signed or original documents. 

I am requesting since PMAB LLC has not been able to verify/validate any of the debts they are reporting to me for almost 60 days that they Stop reporting immediately to the credit bureaus as this is having a negative impact on my score. 

I am also copying the credit bureaus on this and requesting they immediately remove these accounts from my report as it is clear there are no validation documents.
Complaint sub-issue: Their investigation did not fix an error on your report

on or about XX/XX/XXXX I noticed that my accts are closed and transferred to a rehabilitation office im no longer with that servicer which was aes and XXXX bank
Complaint sub-issue: Credit inquiries on your report that you don't recognize

To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX credit file dated XXXX/XXXX/XXXX. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting XXXX XXXX XXXX ( a ) ( XXXX ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. XXXX XXXX XXXX ( a ) ( XXXX ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this complaint to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter
Complaint sub-issue: Account information incorrect

Today I received an email from " Equifax '' dated " XX/XX/2018. '' It inaccurately stated that my " ( Federal ) Student Loan '' as " Payment Deferred '' instead of " Discharged '' ( i.e., " paid off '' ).
Complaint sub-issue: Information belongs to someone else

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. My identity has been compromised. My name and social security have been used for quite some time now. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX US DEP ED XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX US DEP ED XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX XXXX   XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$3800.00} XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$95.00}.
Complaint sub-issue: Their investigation did not fix an error on your report

I have tried several times with all the credit reporting agenciesand with this company to get my credit report 100 % accurate! This is extremelyfrustrating and not fair that neither of these companies are helping me inany way!!! This is the United States LAW to have my credit file 100 % accurate! You are also failing me by NOT HELPING ME get this 100 % accurate! I have even sent you ALL THE LETTERS of me trying to communicatewith this company and each of the credit reporting agencies. I will ask you one lasttime to help me get my report 100 % accurate before I contact a lawyer!! Thank you so very much and I look forward to hearing from you and knowing that you will get this corrected!!
Complaint sub-issue: Investigation took more than 30 days

I RECENTLY RAN MY CREDIT AND NOTICED THE BELOW INQUIRIES SHOWING ON MY CREDIT FILE. THESE ARE NOT MY INQUIRIES, SO PLEASE DELETE THOSE INQUIRIES UNDER, INQUIRIES TO DELETE. 

I HAVE NEVER BEEN LATE ON ANY OF MY ACCOUNTS. I NEED THE BELOW ACCOUNTS UNDER ACCOUNTS TO AMEND, TO BE AMENDED IMMEDIATELY TO SHOW NEVER LATE. 

ON XXXX, XXXX, XXXX I HAD MAILED A DISPUTE LETTER OF THE BELOW INQUIRIES TO BE DELETED AND SOME ACCOUNTS TO BE AMENDED. TO DATE I HAVE NOT RECEIVED ANY INVESTIGATIVE RESULTS REPORTS, AND NOW YOUR COMPANY IS IN VIOLATION OF THE FCRA GUIDELINES FOR THE 3RD TIME REGARDING INVESTIGATIVE RESULTS REPORTS RESPONSE DEADLINES
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX. XXXX XXXX Account # 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 a account without my written instructions
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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  Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} 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: Information belongs to someone else

I have tried three time to clear this up in writing and over the phone with Equifax they have me as the owner of a XXXX XXXX XXXX  credit card which belongs to my girl friend and had me as an authorized user without my permission I was taken off and XXXX XXXXXXXX XXXX did remove as did XXXX however for some reason Equifax refuses to do so even with letter from the credit card company
Complaint sub-issue: Other problem getting your report or credit score

I have tried the CreditKarma website to check my credit scores. They do not use the same scoring formula used as the 3 credit reporting agencies. My credit score is not accurate with them and gives people false hopes to apply for credit to learn that their score is way lower than what they show. They always list recommendations for your score to apply for certain credit products.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX and XXXX are incorrectly reporting a collection in the amount of {$9100.00} on the XXXX/LOAN partial account number XXXX. ( Please see page attached from my credit report. ) This student loan account does not belong to me. There are two separate applicants named on this form, along with their signatures. ( Please see document attached. ) I am named only as a Student, not as an applicant. I did not receive any sums of money from this loan. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Complaint sub-issue: Trouble with how payments are being handled

I make regular additional monthly payments of {$100.00} a month to Firstmark Services ( a division of Nelnet and a loan servicer of XXXX XXXX ) to pay down my student loan ( this is in addition to the minimum payment of {$50.00} per month which XXXX automatically debits from my account ). After cashing my additional payment checks for years, XXXX failed to cash the additional payment checks for XX/XX/2019 and XX/XX/2019. XXXX was very unhelpful - basically my only recourse is to pay my bank to cancel the checks ( at a cost of {$29.00} per check ) and then reissue the checks. I am very unhappy about this. XXXX can give no reason why they stopped cashing the checks. The address to which the checks were sent is the same, and the checks are sent based on an automatic payment system with my bank, XXXX, which also remains the same. This feels like another way to gouge student loan payers by forcing us to pay for XXXX mistakes. XXXX refused to pay the extra interest that has accrued based on their not cashing the checks, nor did they offer to help in any way. When asked XXXX also would not give me the federal agency that regulates them so that I could lodge a complaint - they tried to send me to the XXXX XXXX XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

During a recent review of my personal consumer credit report, I saw what seems to be some unauthorized and/or fraudulent credit inquiries, as well as ones that were clearly deficient of the compliant demonstrated permissible purpose ( to be kept or disclosed lawfully ), allegedly made by the following Original Creditors. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. Equifax failed to provide a copy of a credit application authorizing the disclosure of my credit files with my signature. If a signed authorization can not be found they are required to remove the inquiries from my credit report. Also, per pursuant of section 604 it indicates the only permissible purpose for inquiries are firm offer of credit, court order, employment and insurance. From my records neither did I authorize these inquiries there is not permissible purpose that applies so therefore Equifax is REQUIRED to immediately remove each and every last one of them from my credit report.
Complaint sub-issue: Reporting company used your report improperly

Equifax has egregiously misused all of my personal data, with beyond poor security standards. Credit monitoring service is essentially a joke unless it is made permanent, a more appropriate response would be to facilitate changing all of the associated information where possible - though this is clearly not reasonable for most people. 

This refers to the recent breach, which was known of in XX/XX/XXXX, but just notified X/X/2017. This also is a major issue - I should have known sooner. I have placed an inital alert, though I am unsure if I should participate in their " service '' as there is an unclear class action waiver attached.
Complaint sub-issue: Information is not mine

Equifax is ignoring my requests to investigate, verify and remove the inquiries from my credit report that were not initiated by me.
Complaint sub-issue: Problem with personal statement of dispute

i purchased a vehicle through Ally auto finance company. When going over the financing application i spoke to a representative from Ally they had indicated the intrest rate would be 17 % and within 3 months of making payments i could refinance the loan through them. This was a outright lie i called them to refi the loan and they stated they do not offer that option. Ally auto finance targets committees of color lying and taking advantage of minorities by utilizing this bait and switch tactic. I have called them numerous times to fix all of the damage they did to my credit, once i realized they were not going to refi the loan as promised i told them i needed more time to pay since the rate was so high they insured me that was ok. Then they intimidately started to ding my credit. This racist organization needs to be held accountable for their lies and deception
Complaint sub-issue: Problem accessing account

Our XXXX non profit just concluded a fund raiser with XXXX XXXX   XXXX through XXXX. We raised over {$4000.00} and I tried to set up electronic transfer and it will not go through due to some of the protocols at PNC bank. We have a business non-profit account. I called pnc bank and they told me it was because of their security measures and there was nothing they could do about it. This is frustrating. I should be able to set up electronic deposit of funds to my account.
Complaint sub-issue: Threatened or suggested your credit would be damaged

The company called me the around XXXX threating me and was very rude refuse d to get me an manger stated my credit will be damage. I advice to do verification he refused and cussed me out ND HUNNGUP IN MY FACE THE LANGUAGE HE USED MADE WE FEEL UNEASY SINCE THEY IN FLORIDA TOO name of company is Hunter Warfield
Complaint sub-issue: Problem getting your free annual credit report

Getting a credit report - is very difficult if you live overseas- could be impossible.Equifax sent me a letter stating their requirements for a credit report at my XXXX  address.  I submitted 7 items to them: 1. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX front and back 4. Electric bill 5. 1099 from my pension company. 6. IRS letter with my name social security number on the from of the letter.  7. My social Security card. All were clearly readable by them.I was rejected by 4 customer service people!  One told me to resubmit all my data again and try again.  All told me - "We don't send credit reports overseas".  Why ?  I've received them in the past! I spent over 3 hours with them to get turned down by all 4 persons. I kept asking for a supervisor. The 5 person that I talked to at Equifax seems to understand - He gave me a confirmation number and I checked  it, it was mailed out XX/XX/XXXX. Equifax needs to train their people better.  On a follow up to correct my report, I asked to have my correct address in XXXX put in under a personal statement in my report. You can't do that I was told, no foreign address can be put into a credit report either as a personal statement or officially.  Again asking for a supervisor, i was told that my XXXX   address would be put into the report as a personal statement by me. There is no excuse for their insulate behavior in rejecting me because I live in XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act Account : XXXX Account # : XXXX has violated my rights. 

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 a 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 and purpose.
Complaint sub-issue: Information belongs to someone else

Great lakes is trying to say I owe XXXX for student loans I never took out or received money for. The college XXXX online University is now shut down my credits aren't acknowledge by other universities anywhere I don't understand what's going on. I've never made a payment because I do not acknowledge this as my debt.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX Account Number # XXXXXXXX XXXX XXXX Account Number # XXXXXXXX XXXX XXXX Account Number # XXXXXXXX XXXX XXXX Account Number # 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 a account without my written instructions 15 U.S.C 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: Card opened as result of identity theft or fraud

I am writing to request an investigation of the following information that appears on my XXXX XXXX report : Dispute 1 Account # : XXXX XXXX XXXX Based on, 15 U.S. Code 1681c2 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. It has been XXXX days and you are in XXXX of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in XXXX!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

Enclosures : Federal Trade Commissions Identity Theft Affidavit. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Complaint sub-issue: Personal information incorrect

I filed a complaint on XX/XX/2020 to remove all the inaccurate addresses and telephone numbers and hard inquires from companies that I had never done business with it's been 30 days and they still have yet to remove them. My name is mispelled 12 times on the report that XXXX sent recently this is affecting me from buying a house. I have provided the addresses in the document section and the hard inquires from unknown and inaccurate information.

The following companies I have never done business with 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: Account status incorrect

XXXX XXXX XXXX -Wyoming agreed to remove my account from my Credit Reports on XX/XX/2019 on a recorded line. I agreed to the terms and made a payment of {$940.00}. However, upon checking my credit reports, this account was not removed. Instead they showed the balance at XXXX dollars and the account closed. I called back and the customer service representative said that " they don't remove accounts. '' However, that was not the terms I had agreed to. This was a fraudulent debt that this agency continued to harass me about and when I agreed to make the payment in full, provided they delete this account from my credit reports, they refused to do what they said. This is illegal and unethical and this company should be held accountable.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX, equifax and XXXX refused to update my credit profile and send me a copy of my credit report
Complaint sub-issue: Account information incorrect

IC Systems is charging me {$890.00} on an old XXXX XXXX debt. The original debtor started in XXXX.However, when I log onto my credit report, IC Systems is showing the debt starting in XXXX. This is the incorrect time frame. The original debt started in XXXX and this should be removed from my report after 7 years. They need to update the date of the original collection.