Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Card opened as result of identity theft or fraud

I contacted the company, I reported to police department, sent in police report with report number, call credit bureaus and the credit bureaus continue to report it on my report. I received a letter from XXXX credit company stating they could not put a a block on my report. The account was fraud and I would like for someone to assist me with this. My information was stolen along with banking information. I mailed copies of all necessary paperwork to all bureaus. Macy 's and XXXX accounts were open.
Complaint sub-issue: Reporting company used your report improperly

In Accordance with the fair credit reporting act Macy 's XXXX Citi Bank Account ending in # 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 any purpose.
Complaint sub-issue: Their investigation did not fix an error on your report

I requested Equifax to investigate SPECIFICALLY the Original Creditor listed on a collections account as it was originally disputed as unrecognized or account not mine. The original dispute came back as " verified ''. Thus, resulting in a XXXX  complaint and CFPB complaint. I was only able to determine who this company was and who they represented via XXXX complaint. The company, XXXX, stated they purchased an illegal loan from an illegal lender names XXXX. However, they are reporting Original Creditor as a XXXX XXXX XXXX on credit reports in an attempt to mislead and fraudulently utilize the credit reporting system to attempt to collect and illegal and fraudulent loan which I advised Equifax upon submitting the dispute to have the account at the very least updated with the correct Original Creditor. Equifax 's dispute results returned with only the status dates and balance dates " modified ''. I have also disputed with XXXX and XXXX  and they will NOT require XXXX to correct the Original Creditor. I have not ever had any contract with a company named XXXX XXXX XXXX nor ever heard of them. The documentation attached will claim that they " serviced ' the account in question however, that does not define a contract with or any indebtedness to them.
Complaint sub-issue: Company closed your account

This is a complaint against Comerica Bank. The bank rep named XXXX XXXX sent me a letter s that she will be closing my account on XX/XX/2020, due to no reason. Upon numerous requests to explain her reason for closing my account, she did not disclose why she is closing my account. Instead, she was laughing and giggling, she said I am just doing this based on one of the Managers instruction. She would not give me further details. Thus I am unaware of this sudden closure. Comerica bank has horrible reviews on XXXX, etc and XXXX XXXX XXXX. 
Although, Comerica did not share any reason for this account closure, they kept on charging me numerous bank fees which should not be charged to the type of account I had. 
Employees of Comerica also shared their concerns about poor Management and customers not been helped, and Management overloading work, etc. The teller gave me the District managers phone number to call and discuss this. However, I was unsuccessful in reaching him.
Complaint sub-issue: Non-sufficient funds and associated fees

I do not believe this being sent to the company will help, Ive tried to deal with the company and they refuse to help me. They have taken thousands this year and last year alone in NSF fees. I have proof and have been keeping track of how they re-order the debits and deposits in my account. I have seen them do it, and they still repeatedly do it. 
I spoke with a customer service representative around XXXX and informed them I knew the order changed of my debits/deposits have changed. After I spoke with them the order changed back to the correct order that it was previously. Since then Ive seen it happen againI transferred money from one personal checking account to another. Then the bank changed the order to look like already, previously posted debits came in after my deposit which was not accurate, the debits had occurred before my deposit. Basically, debits posted I transferred money and then more debits because I was closely watching to make sure my account did not go negative. Instead the bank changed the order to justify taking two NSF fees when they should have only taken one because my account did become negative, but I kept up with it well enough to know that only one charge shouldve caused it to go negative with one NSF fee. When I called Customer service they gave no real explanation and only told me they could not return the other incorrect NSF fee. 
I have also discovered debits that usually take longer are being pushed through faster, I know that to be the bank because they know they will be able to charge me NSF fees as I go negative. Everyone knows that banks do this, it is not a secret. They should not be able to prey upon people like me that are not able to keep enough in our bank accounts at all times. 
They only return NSF fees once every two years, I do not believe this to be legal. 
I do not want to be contacted by this bank UNLESS they are going to return some of my thousands in NSF fees because what they have done to me is just causing me to struggle more and more. They are causing me to have less money in my account so its easier for me to go negative again and again. Since this bank took over the previous company I banked with, my checking account has gone into the negative more often than it ever had before. 
Banks should be there to help us, not to cause us strife. 
I also have read on Indeed that current and previous employees have complained about the bank itself. They have also said that they know this bank no longer cares about customer service or their clients. 
I also had a debit that was supposed to go through a credit card, it was declined and then push through my checking account which it should not have been. The bank didnt stop it so I then asked for a fraud investigationits been over two weeks and the bank still hasnt finished this. They are of course being difficult because they dont want to have to return the NSF fee that I was also costed, the NSF fee was more than the actual charge amount which just adds insult to injury.
Complaint sub-issue: Old information reappears or never goes away

The following fraudulent accounts currently listed on my Equifax credit report keeps reappearing on my credit report : XXXX XXXX  XXXX XXXX, {$5900.00}, XXXX XXXX XXXX, {$2000.00}, XXXX XXXX XXXX, {$4800.00}, XXXX XXXX XXXX, $ {$19000.00}, XXXX XXXX/XXXX, {$1700.00}, XXXX XXXX XXXX, {$22000.00}, XXXX XXXX XXXX XXXX, {$8300.00}, XXXX XXXX XXXX XXXX, {$950.00}, XXXX XXXX XXXX XXXX, {$29000.00} and the XXXX XXXX XXXX, {$370.00}, Equifax has deleted the fraudulent accounts numerous times, but the fraudulent accounts keep reappearing on my credit report.
Complaint sub-issue: Information belongs to someone else

XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX EQUIFAX XXXX. XXXX XXXX XXXX, GA XXXX To : Whom It May concern : I am writing to dispute a fraudulent charge on my account of {$6000.00}, {$9400.00}. 
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 Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -ACCOUNTS- 1. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$9400.00} -This is not my account.
Complaint sub-issue: Was not notified of investigation status or results

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There is an item on my credit that needs to be removed as soon as possible. This item is fraudulent account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this from my report : MEDICAL
Complaint sub-issue: Problem with fees

In XXXX, I called Citi to change my card from a {$450.00} per year XXXX  's XXXX card to their free card in a process called card conversion ( we aren't traveling next year as much as we did the last year ). Today, on XX/XX/XXXX, they charged me the {$450.00} fee. When I called back, I was told that " Oh yes, it takes up to two months to do the card conversion, we'll credit that fee back in another statement or two. '' Meanwhile, I either pay the {$450.00}, and am just out the money until later ( and I'm forced to use their credit card to get it back because it's a credit ), or they get to charge interest on the unpaid {$450.00} until they credit it back. 

This is, at best, predatory, and at worst, fraud.
Complaint sub-issue: Information belongs to someone else

I sent in multiple letters the last letter I send in was XXXX XXXX certified and I see know changes or deletions. I mailed in a dispute letter my FTC report copies of my ID social and bank statement all in one envelope certified. and nothing has been done.
Complaint sub-issue: Was not notified of investigation status or results

Hi, I am authorizing this complaint on my behalf. I cant believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, its more that 60 days. I need these accounts deleted immediately.
Complaint sub-issue: Debt was paid

In XX/XX/XXXX, I ( we ) decided to use XXXX XXXX XXXX ( XXXX ) to consolidate our credit card debt. This debt involved 5 credit cards totaling {$32000.00}. As part of this process, we agreed to stop paying our debt directly to the credit card companies to allow XXXX to negotiate a reduced amount. Our 2 Citibank credit card accounts were subsequently transferred to XXXX XXXX XXXX for collections. Additionally, in XX/XX/XXXX, we signed an agreement with XXXX 's sister company XXXX XXXX to pay off all of the credit card debts, pending targeted negotiations. The Citibank cards were then paid off by XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX respectively. 

Knowing that these accounts had been charged off by Citibank and now had a XXXX   balance I contacted XXXX XXXX XXXX on the morning of XX/XX/XXXX. When I spoke to customer representative, XXXX XXXX, I confirmed that not only did these accounts had a XXXX balance but that my name is not even tied to the credit card accounts. This info is critical because these Citibank cards are still on my credit. If my name is not associated with these cards then it should not be included on my credit report! When I asked the XXXX XXXX XXXX representative to report this information to the credit bureaus, he referred me to his supervisor. The supervisor emailed me attachments of the satisfaction letters from both accounts. As further evidence to support my claim, my wife 's name is on both these letters and mine is not present. The supervisor could not guarantee that these accounts would be removed from my credit card report nor did he refer me to anyone else in the company that could handle my concern. Currently, these credit card accounts are still on my credit report. Please help remove this injustice from my credit report so that I can improve my credit score. Thank you!
Complaint sub-issue: Sent card you never applied for

I started the application process through Best Buy Citibank online but did not finish or submit the application. When I arrived at the page that requested my authorization to submit the application and give Citibank permission to pull my credit I decided that I did not want to go through with the process and have the hard inquiry on my account. I did not check the boxes for authorization or click the submit button. Instead I closed the browser tab and left to do something else. 

A week later I received a letter stating that my application was being denied due to an inability to verify my address. Which is odd since I pay for the pro version of XXXX and can verify that the address for the home that I own and occupy is present on the reports for all three agencies. 

So...

1. I never gave consent for my credit to be accessed or officially submitted an application.

2. They continued without my consent or submission and pulled my credit info.

3. Their employee responsible for ID verification didn't even do their job correctly.

4. When I called in to ask about it they put me on hold without telling me what was going on and immediately started trying to process the application again without my permission. 

This is absolutely not acceptable. I doubt that I'm the first person they've done this to. It seems like their goal is just to push everything as quickly as possible without telling you what is going on. Very shady tactics.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX, I sent the following letter to XXXX, Equifax and XXXX and they have refused to comply with the law. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Account # : XXXX Effective XX/XX/XXXX, creditors should have changed the way they are reporting late payments. In light of the recent CARES Act, creditors should not report any late payments to the credit reporting agencies during the CARES Act period* to avoid harming my credit score. This change is temporary and applies ONLY during the CARES Act period as defined below. 

On XX/XX/XXXX, the United States Congress passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to help Americans during this uncertain time. Among other things, the Act is designed to help protect my credit during the pandemic. 
Based on this information about my rights and protections under the CARES Act please remove any late payments you have reported to the credit agencies ASAP.

* CARES Act Period- Requirements apply to certain consumer account payments made between XX/XX/XXXX, and the latter of either : 120 days after XX/XX/XXXX, or 120 days after the national emergency concerning COVID19 ends. 

Note, I have spoken with your company on several occasions alerting you that I was experiencing a hardship due to the pandemic and I also made a payment during this period and expressed my willingness to correct the problem. The following late payments should be reversed and removed from my credit report. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Thank you, XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act Everything has to be 100 % accurate on my credit report The credit bureau stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, last reported is inaccurate, and the list goes on. That is grounds for removal. 


n accordance with the Fair Credit Reporting act XXXX Account # XXXX with Account name : XXXX XXXX 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: Billing problem

On XX/XX/2021, XXXX mailed a refund of {$730.00} to PNC Bank at XXXX XXXX XXXX in XXXX, PA, for my auto loan. The check was received on XX/XX/2021, and clearly indicated that the check was for the auto loan in my wife 's name ( XXXX XXXX ). However, PNC return the check on XX/XX/XXXX because they were " unable to locate '' the loan. XXXX is now re-mailing the check to XXXX XXXX XXXX in XXXX, PA, with the account number included on the check. However, my wife 's name should have been plenty enough to locate the loan, so I demand the payment be retroactively applied to XX/XX/XXXX with respect to interest on the loan.
Complaint sub-issue: Their investigation did not fix an error on your report

I recently received a response from Equifax to a dispute that I made under FCRA 611 ( a ) regarding erroneous items on my Equifax credit report. I was saddened to learn that Equifax somehow verified the disputed items, electing to leave them on my report. I am certain that the items I disputed are incorrect and should be removed. Here is a list of the items I have disputed with Equifax. - name disputed- XXXX XXXX XXXX, XXXX XXXX XXXX Item disputed - XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I am accusing Equifax of fraud. Equifax has deliberately removed three XXXX  student loan accounts that were in good standing and closed in XX/XX/XXXX. These accounts were to be on the credit report until XX/XX/XXXX, thus Equifax violated its own regulations. Also, Equifax fails to give an explanation for the deletion. In addition, Equifax reports payment history information in a misleading manner, such as high balance amount running from year to year or a series of years without change. A credit reporting representative admitted that the early removal of satisfactory accounts negatively impacts a consumer 's credit score. I have been trying to resolve my disputes with the agency since XX/XX/XXXX to no avail.
Complaint sub-issue: Information is missing that should be on the report

FCRA violations : Trade line for paid off vehicle is not reported
Complaint sub-issue: Received bad information about your loan

See attached letter. 

In short, a third-party with questionable standing attempted to garnish my wages. I appealed, listing a number of objections. The appeal was conducted by Educational Credit Management Corporation, and was mishandled in the following ways : 1 ) The collection agency made no showing that requirements under 20 U.S.C. 1095a, et seq. had been met. 

2 ) I was denied appropriate procedural due process.

3 ) The lender did not produce my complete file, in fact produced almost no evidence, and the unproduced evidence should have been ( but was not ) viewed through the lens of adverse inference.

4 ) The decision relied on prejudicially incorrect or misleading Findings of Fact.
Complaint sub-issue: Unable to open an account

On XX/XX/2022 I tried to open multiple checking accounts I got denied on all of them because of reports coming from early warning services about identity theft. I would for early warning services to stop those reports immediately because its preventing me from getting an FDIC approved checking account.
Complaint sub-issue: Reporting company used your report improperly

As a result of the Equifax hack, my information has been disclosed improperly. I fear this will affect my ability to successfully apply for credit in the future and places me at higher risk for identity theft.
Complaint sub-issue: Investigation took more than 30 days

XXXX XXXX XXXX IN XXXX CA XXXX DID THEFT ON MY BANK OF THE WEST IN XXXX CA XXXX IN XX/XX/XXXX AND RUINED MY ACCOUNT BY DOING IDENTITY THEFT, DOUBLE CHARGING ME AND POSTING MY PAYMENTS 30 DAYS PAST DUE. XXXX CALIFORNIA IS GANG INFESTED AND I AM A GANG SUPPRESSION PERSON. THE GANGS THAT WORK IN THE BANK AND XXXX XXXX XXXX TRIED TO RUIN ME. THEY REPORTED LATE PAYMENTS AND CHARGED OFF MY XXXX XXXX XXXX XXXX. THEY PLACED A {$3200.00} LOAN AS A CHARGE OFF ON MY XXXX REPORT IN XXXX AND NOW IT SHOWS A XXXX BALANCE AND SENT ME TO A COLLECTION AGENCY. THEY ADDED A BANK OF THE WEST LATE CHARGE AFTER THEY THEY HAD REMOVED IT .THEY MANIPULATE MY CREDIT REPORTS AT WILL. THE GANGS HERE WORK IN THE BUREAUS AND GIVE THEIR MEMBERS GOOD CREIDIT AT WILL .I HAVE BEEN FIGHTING IDENTIYT THEFT USING A TASK FORCE.
Complaint sub-issue: Reporting company used your report improperly

These accounts are paid in full and please reflect paid in full {$0.00} Balance Dept of Ed/XXXX XXXX XXXX XXXX XXXX  XXXX
Complaint sub-issue: Old information reappears or never goes away

In 2015 I agreed to a debt consolidation with XXXX for my account that was in collections, to be payed current and removed from collections. Total ( {$6500.00} ) Which was broken down into 5 accounts. 

The agreement to settle the debt and remove the account from collection was to make 10 months of on time payments then the debt will be consolidated as one account and all negative accounts would be deleted.

I made my 10 months payments on time as agreed and proceeding the interim four out the five accounts were deleted and removed, then consolidated into 1 new loan. One account remained with negative remarks on my credit report.

This was an error and the one negative account continues to remain as a blemish on my credit report, that is deterring my goal of owning a home. With the loan being paid and current as agreed I 've contacted the XXXX to remove this account as they said they would but to no avail thus far. ( This account remains with {$0.00} Balance )
Complaint sub-issue: Confusing or missing disclosures

There was a promotion to open an account at Citibank to receive XXXX XXXX XXXX XXXX by having transactions in the amount of {$750.00}. After opening an account based on the advertisement and using the card to receive the promised promotion, the bank did not give the reward miles. 
My husband and I contacted Citibank on XX/XX/2022 at XXXX PST checking account department where they put me on hold for more than 2 hours, then they rejected the promised promotion by adding another criteria. To the best of my knowledge it is a clear misleading approach and a fraud to advertise to open an account and later ignore what they promised. I talked to an agent where he told me he can not help me with this issue, I requested to talk to a supervisor and after 2 hours waiting, she was rude and did not help at all. I also requested if you are adding a new criteria, please give time to complete but they simply ignore my request. I talked to a lady supervisor with the ID of XXXX and she refused to provide the ID of the previous agent. If there wasn't the promotion, I was not willing to open a checking account with this poor customer service.
Complaint sub-issue: Information belongs to someone else

These accounts do not belong to me, please block and remove according to 15 USC 1681c-2.