AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX on or about XX/XX/XXXX on Experian. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XXXX in case it is needed to locate the fraudulent inquiry in their system. 

Company response: Company chooses not to provide a public response
Consumer complaint: HERE IS THE FIRST EMAIL I SENTGood Morning XX/XX/2015 re stop payment removalOr it was until this happened! @!!!!!!!! 
I put a stop payment on a payment I had made to XXXX that cost me {$31.00}. ... I now have to pay a late fee because when I went to pay XXXX online it did n't work. I was not told that it takes 2 business days to remove it. I called the so called Customer Service Dept. and what he said floored me., " I am sorry but there is nowhere in the script that says to tell you about the 2 days it takes for it to be removed. The supervisor XXXX XXXX told me that.. I said " does n't that sound ridiculous '' ... The XXXX answer was " that 's what it says '' Now if I do not get that {$31.00} removed and that script is not changed I am going to write to the Banking Commision as this is ludicrous ... also my daughter is an XXXX and I know she would love this story ... 
XXXX EMAIL XXXX.XXXX.2015Since this email below that I have not received a response to now I am having a hard time believing that no one can help me release a stop payment ... What in the world has to happen behind the scenes to get a release down. Sounds to me like the airline co. that charge you to flip a switch which made the judge pretty mad. 
so now my XXXX payment will be 6 days late because first no one let me know when I set up a stop payment that it takes 2 Business Days to release it ... First ludicrous statementand XXXX I release it XXXX Wed XXXX XXXX and now I find out it wont be released until Mon XXXX XXXX ... 
SO SINCE NO ONE IN THIS CO. IS WILLING TO EVEN ANSWER ME i AM NOW GOING TO THE BANKING COMMISSION AS WELL AS XXXX XXXX TO EXPOSE THE RIDICULOUS BANKING RULES THAT PROBABLE ONLY APPLY TO CUSTOMERS WHO RUN YOUR BUSINESS AND NOT THE PEOPLE THAT WORK THERE.\ 

Company response: Company chooses not to provide a public response
Consumer complaint: I am writing to dispute the account currently being reported by XXXX as referenced above. I have disputed this account information as inaccurate with Experian, and Experian has come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted XXXX myself and have been unable to get them to verify that this is indeed my debt. 
I enclose copies of my requests for them to Validate my debts, and the receipts showing that I sent these letter certified mail with a signature request. This debt is not mine and I was given any evidence of my obligation to pay this debt to the collection company listed above in this letter. 
The FCRA requires Experian to verify the validity of the item within 30 days. If the validity can not be verified, Experian is obligated by law to remove the item. There is a clear case of unverified debt here, and I urge Experian to remove this item before I am forced to take legal action. 

Company response: Company chooses not to provide a public response
Consumer complaint: While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX XXXX XXXX on or about XX/XX/XXXX on Experian. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system. 

Company response: Company chooses not to provide a public response
Consumer complaint: While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX XXXX XXXX CO on or about XX/XX/XXXX on Transunion. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX XXXX CO has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have some accounts that are not mine that are reporting these are fraudulent accounts the accounts XXXX XXXX XXXXSouthwest Credit Systems XXXX i have filed a police report XXXX pd report number XXXX Officer 's name XXXX badge # XXXX i have also filed a notarized ftc id theft affidavit these accounts have yet to be rmoved as they are a result of id theft 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have tried to request my free annual credit report online from Transunion and they refuse to give it to me. I have called their XXXX number for the free annual report. There they tell me I have to wait 5 weeks to get a report if I request by phone. They want me to give them my phone number to complete the request, I do not wish to do so because I do not want SPAM calls from them. THis is unnacceptable I am in the process of buying a home and have a new collection account which, by law, I am supposed to be able to dispute. Their lack of response is causing me great distress. I dont have time to submit a dispute through the mail or wait 5 weeks for a credit report. Unacceptable.I find it disturbing that these companies get away with being incompetent and get away with it. even make XXXX on poor consumers and greatly affect their lives. 

Company response: Company chooses not to provide a public response
Consumer complaint: My husband XXXX XXXX entered into a Reverse Mortgage Agreement with XXXXLiberty XXXX in XXXX of XXXX. In order for him to obtain the Reverse Mortgage, my name had to be taken off the deed because of my age XXXX less than XXXX years of age at the time ). My husband XXXX passed away on XXXX XXXX, XXXX due to XXXX. XXXX/Liberty XXXX is attempting to foreclose on my childhood home that has been in my family for over 3 generations. 
I have attempted to keep my home by being told in the beginning that I could obtain a loan of 95 % of the appraised value of my home after my husband 's death. I also filed " probate '' of my husband 's Will ( even though he had no life insurance ) but I probated his Will incurring additional expenses in order to give me authority to sign a sales contract from his estate to myself -- this was done only to find out later ( after executing about 3-4 sales contracts ) that there is no way that I am able to obtain a mortgage on my home as it is must be a " short-sale '' and it is too " complicated '' of a transaction ( arms-length ) transaction. I did not pay real estate/county or borough taxes since my husband 's passing because I did not want to incur additional expenses only to find out that I would still be unable to live in my childhood home. Now my home is set up for a " sheriff 's sale '' on XXXX XXXX, XXXX for " unpaid real estate taxes. '' I spoke to XXXX/Liberty XXXX today ( XXXX XXXX, XXXX XXXX and was told that I need to pay all delinquent taxes in order to stay in the home but even if I pay the delinquent taxes that there is no guaranty or assurance that I can remain in the home and it is entirely up to HUD. I am not in a financial position to pay delinquent taxes and then to later find out that HUD still refuses to allow me to maintain residency in my home. 

Company response: Company chooses not to provide a public response
Consumer complaint: I XXXX XXXX do not owe XXXX I paid them Before account went into collection I am attaching my payment receipt and I would like XXXX removed from my Transunion credit report 

Company response: Company chooses not to provide a public response
Consumer complaint: I XXXX XXXX do not owe XXXX I paid them Before account went into collection I am attaching my payment receipt and I would like XXXX removed from my Experian credit report 

Company response: Company chooses not to provide a public response
Consumer complaint: I had been making online purchases with my Paypal XXXX XXXX XXXX card which was linked to my paypal account. I had been loading my paypal balance with the Paypal XXXX card so I can make online purchases. I had sent {$50.00} to a friend for his birthday and just performed online shopping as I have done for the past year which was the only transaction which was not typical of my account. I get a notice that my account was permanently limited for violation of T & C and my debitcard was closed. 

I have been doing online shopping via this method for over a year and was not aware that I was in violation of policy. When I called paypal and was asked what I was in violation of, the reps were not able to clearly articulate the nature of the violation. 

My Paypal Case ID Number : XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by Nationwide Credit Corporation refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within ( XXXX ) XXXX business days, via certified mail Number : XXXX XXXX XXXX XXXX XXXX, on XXXX for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction ( s ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter. 

Company response: Company chooses not to provide a public response
Consumer complaint: I feel I have had many overdraft fees do to misleading overdraft fee protection practices. This caused my funds to be low and many overdraft fees attached to my acct. since circa 1994. I adamantly feel that money has been taken out of my acct. little by little, damaging my credit scores and leaving me feeling helpless. I am glad Citibank is being held responsible and expect a sizable check in the near future! 
Frustratingly yours, XXXX XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had my son in a daycare called the XXXX XXXX, I am currently going thru adivorce. My ex husband who lives in XXXX while I live in the state of XXXX tried togo to the day care and get my son and attempted to take him, out ofthe country. I was alerted got, the law involved and my attorneys I was told notto have my son out of my eye sight. I had to move, etc. I gave the day care averbal notice and I called them to confirm my child would not be in due to whathappened. Then I was contacted by a credit agency telling me they reportedme to their agency. I let the agency know that I was disputing the charges, as Ihad a safety concern to protect my child. A notice was given to the company, and they had children on the waiting list that took my child 's spot right away, not keeping them from making money or losing money due to taking mychild out of the center. 

When I called and let them know that my child was not going to be going backto the center, I was not told I would be responsible for anything else, as I hadpaid in full. As I had always paid XXXX weeks at a time. 

This {$340.00} dispute that is showing on my Credit Report needs to be taken offas it is not like me to not pay a payment. And a notice was given to thedaycare. 

Company response: Company chooses not to provide a public response
Consumer complaint: I moved to XXXX, XXXX in XXXX 2011, and established a phone number at that time. I initially received many debt collection calls, but now continue to receive daily robocalls for another person, from XXXX ( XXXX ). The phone numbers they use include ( XXXX ) XXXX, ( XXXX ) XXXX. I have attempted to block their number only to find myself daily robocalled by this same number. 

I have no debts in collection and have never had a business relationship with XXXX. Their robocall provides no mechanism to inform them that they are calling the wrong numbers. 

Company response: Company chooses not to provide a public response
Consumer complaint: Representative named XXXX called my cell phone without authorization failed properly identify right party and herself or company. The representative XXXX called my cell phone number without authorization on a predictive dialer and I incurred charges as a result. This is a violation of the FDCPA. In addition the rep failed to properly identify her self or the company or the right party. When I asked for her to provide the company name and her name she became very rude and unprofessional and terminated the call in the middle of the conversation. When I called back I asked to speak to supervisor whom was also reluctant to provide company name and his name, then he concluded by removing my phone number and ensured there would be no more calls. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: In XX/XX/XXXX I tried to cancel a gym membership at XXXX in XXXX XXXX because I moved out of state in XX/XX/XXXX. I followed all the instructions to cancel my membership, paid I paid a {$50.00} cancellation fee, a check for {$100.00} and {$79.00} for membership dues outstanding. All of these checks were cashed by XXXX XXXX, the financial company for XXXX XXXX. I also mailed a copy of my XXXX ID and a letter expressing my wish to cancel by certified mail as they requested. XXXX XXXX continued to send letters saying my account was past due. When I called to find out if they received my cancellation letter, they said my XXXX ID was not readable, and therefore they could not cancel my membership! In XX/XX/XXXX, I received a notice from a collection agency called First Credit Services, saying that I owed XXXX {$1400.00}. I ignored this notice, not realizing that this would turn up on my credit report and ruin my credit rating. This company is very disreputable and I made every effort to cancel my membership. I do not know what to do at this point but strongly dispute the claim that I owe them any money at all. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was in the process of purchasing a home with US Bank Mortgage since XXXX 2015. I received a preapproval letter and then an approval letter with the amount approved. I have emails and documents to prove the approvals. I had my credit ran and destroyed during this process by bank. I was told to let US Bank refinance my car, my credit cards and get a credit card to pay off the IRS from US Bank. I was told to pay for an appraisal on the house that I was purchasing. I got an inspection processed on the house, purchased new furniture, gave away my furniture that I had, due to the fact that everything was still a go with the bank loan. The bank asked for documents over and over for the same documents time after time, right up to the closing time and still said the loan was good. The bank at one point got an approval for an extension on the closing without me having to pay for it. All of a sudden on another closing time, supposedly, the loan was denied just out of the blue. I have emails of a conversation to support that the loan was good and supposedly due to the fact of my employment at a part-time job and credit inquiries, in which US Bank was the only one who ran my credit so many times. The bank has had all of my employment history from day one of this process. The bank was very unethical on their part and I would like this investigated. What a disgrace on the bank part to approve someone and then ruin their credit because I did everything the bank asked me to do and then some. 

Company response: Company chooses not to provide a public response
Consumer complaint: While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX CO on or about XX/XX/XXXX on Experian. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system. 

Company response: Company chooses not to provide a public response
Consumer complaint: i opened a new paypal account and went to my local XXXX and bought a paypal cash card which i put {$100.00} on came home and added the card pin to my account which put the {$100.00} on my paypal then i sent a friend that lives in the XXXX {$99.00} and pay pal charged me XXXX cents to send so a total of {$99.00} the transaction was complete go and log into my paypal account to find paypal locked it saying thisResolution Center - Case Reversal DetailsPayPal is constantly monitoring site activity and reviewing transactions. 

This payment has been selected for review and we have opened an investigation. 

Inquiry by PayPal - Case ID : XXXXXXXXStatus : Being Reviewed By PayPalTransaction ID : XXXXSeller Name & Email : XXXX XXXX, XXXXXXXXTransaction Amount : - {$99.00} USDTransaction Date : XXXX XXXX, 2015Dispute History Log - Most Recent XXXXThe Dispute History Log displays all actions related to your claim.Date Actor Action DetailsXXXX XXXX, 2015 Seller Response received from sellerXXXX XXXX, 2015 PayPal Email sent to sellerso my friend complied to their email needing info and i emailed paypal and got a responce saying they are not taking the hold on my account off that now i have to wait 180 days to even get my money and wont explain to me what is going on 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This letter is being sent to you in response to the above reference account that Enhanced Recovery Company has reported and listed on all XXXX major credit reporting agencies ( XXXX, XXXX, and XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and Validation is requested. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " Validation '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any documents that show I agreed to pay what you say I owe ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; Provide me with your license numbers and Registered AgentAt this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) this action might constitute Fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against Enhanced Recovery Company for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of character 

Company response: Company believes it acted appropriately as authorized by contract or law