Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Deposits and withdrawals

On XX/XX/2020 a total of {$6300.00} was stolen out of my TCF Checking account. I reported the theft IMMEDIATELY. I reported the theft while it was actually occurring. 

On the same day, I submitted a dispute to TCF. 

On the following day, XX/XX/2020 - XX/XX/2020, I submitted additional details to TCF including a policy report, IP Address logs, phone numbers, etc and explained that the funds were stolen by a person who fraudulently claimed to work for XXXX XXXX 

On XX/XX/2020, TCF informed me that they were unable to assist me in refunding my money because a " third party service '' was involved.

This is incorrect and it shows that TCF did not review the facts of my case. There was no third party service involved. There was only a person claiming to work for a third party involved.

I would like for TCF to refund my {$6300.00} because the funds were stolen. 

Please help me.
Complaint sub-issue: Keep getting calls about your loan

Every day of XX/XX/XXXX I have received calls from XXXX and XXXX claiming there was a problem with my KeyBank account ( presumably an old student loan that has been paid off ). 

XXXX XXXX I spoke with a woman who immediately requested the last 4 digits of my social. I curtly replied I was not providing any confidential information. She then requested my street address to " verify '' I was the account holder. I replied " no '' again. I then asked for a callback number and her name. She replied XXXX ( sp? ) XXXX, office # XXXX, and gave the callback phone number of XXXX. 

The calling number and the callback number both appear fraudulent. I called KeyBank using the phone numbers listed on their website and verified there is no problem as there is no account to have a problem with. 

CPFB or the FTC should revoke and disable the XXXX, XXXX ..., and XXXX ..., toll free numbers associated with this fraud group since toll free calling numbers give an air of legitimacy to the caller. The phone numbers have been operating since XXXX. It is an absolute disgrace to think the numbers are still active and being used to perpetuate fraud to this day.
Complaint sub-issue: Threatened or suggested your credit would be damaged

The debt company that was trying to collect a " debt '' from my wife and I, is IQ Data International In. They started calling us back in XXXX and XXXX demanding that we pay a debt of {$310.00}, that we owed to an apartment establishment we were renting from prior. I told them we have never received a letter or notification about this after moving out. I asked what the charges were for and they explained to me it was for unpaid utilities. I went back and forth with the employee for 30 minutes about how all the utilities except electric was included into the rent. He began to tell me that, that's not how rent and utilities work and that I had back charges. I let him know again that the utilities were included in the monthly rent and all he kept saying was we needed to pay or it will be sent to collections. I then told him the XXXX XXXX sent us a check for our XXXX  and asked why that happened if we owed them anything. He could not answer and kept telling me if we didn't pay, the amount is going into collection. 

After a week passed since talking to someone for IQ Data, I received a notification on my phone saying that my credit score has changed and that there is an account in collections. This was XX/XX/2022. I then submitted a dispute on this account on XX/XX/2022. I called IQ Data and asked for a dispute hotline and was given an email. The investigation was completed on XX/XX/2022. The only results I gotten back was " XXXX investigated your dispute but did not change your information '' and I was left back at square one. 

Upon filing a dispute through XXXX XXXX, I also sent an email that was provided to me by an IQ Data employee. I sent the email on XX/XX/2022 with multiple attachments of my rental history/payments. All which were provided to my the leasing office of the apartment I rented from. It showed everything I was paying and at the bottom of the document, it showed all the last charges from the last month I lived there.
Complaint sub-issue: Reporting company used your report improperly

Sallie Mae is reporting a tradeline account to my consumer credit file. I learned that the loans are for a school by the name of XXXX XXXX XXXX XXXX was closed - shut down due to fraud. By continuing to report a tradeline with derogatorymarks Sallie Mae is in violation of the FCRA. I did not authorize any student loans to be paid to XXXX XXXXthrough Sallie Mae. Thus any and all activity on this account is fraud.
Complaint sub-issue: Was not notified of investigation status or results

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : U S DEPT OF ED/XXXX, DEPT OF ED/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  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX  XXXX. 
XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt is not yours

A company by the name of AR Resources Inc. of XXXX XXXX, PA. has put 3 " unpaid collection '' line items on my CBR, out of the blue.! I have never spoken to this company regarding anything, or received any phone calls or messages from them, or anyone about a supposed bill I've never paid, until they posted three unpaid debt collections on my CBR two months ago. Never.! When I called them ( several times beginning in  XX/XX/XXXX ) stating they have made a mistake about some debt I owed, they stated they would send me a bill from an emergency room visit in XX/XX/XXXX. ( I haven't been to an emergency room in 40 years ). So after asking me to wait for 30 days, they never sent me anything. I called them again, and they said they would mail me the supposed bill again, and to wait for 30 more days, again. The lady stated that since I didn't have any medical insurance, that is why I'm being charged and I have to pay. I told her I've had medical insurance with the same company I've worked for for the last 30 years. She seemed surprised and took the insurance information, and said not to worry, she would submit the bill to my insurance company. No word, no bill, no nothing, so 35 days later I called again, and was told that they sent the claim to my insurance company and that's all they could do. I then asked why have they listed this one " bad bill '' of {$650.00} on my CBR report as three separate items.? She said she didn't know why it's listed three times on my CBR, and she could not help me fix it. I said ; you put it on, why can't you take two off while this is being researched and resolved, leaving the one item/bill.? She said to write the CBR companies, if it appears more than once.! Wow ... I called my medical insurance company today, and they stated that the " bill '' is way past any normal time limit of one year for them to consider paying it. I asked the insurance company to please double check and see if this bill that is supposedly mine, was ever submitted at any time before. The lady clearly stated, it has never been submitted to my account before. Please help me to get this incorrect, almost 2 year old medical bill off of my CBR's..! These three bad marks for unpaid collection debt first appeared on my CBR on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Complaint sub-issue: Was not notified of investigation status or results

Credit Reporting Agencies and Collection Agencies violated the Law.
Complaint sub-issue: Information belongs to someone else

I have been disputing inaccurate information and inquiries on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the inaccurate information and inquiries claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the inaccurate information and inquiries immediately!
Complaint sub-issue: Account terms

SINCE 2010 THE COURT REQUEST XXXX XXXX XXXX XXXX TO PAY THE BILLS FOR THE HOUSE AND IM DONT. 
HAVE TO DO ANYTHING WITH THE PAYMENTS HES AFFECTING ME UNPORPUSE. 
That mean 1st. Mortgage ( XXXX XXXX ) and 2nd Mortgage ( XXXX )
Complaint sub-issue: Debt is not yours

there is 5 accounts with XXXX XXXX XXXX acct no, XXXX for {$3000.00} acct no XXXX for {$2300.00} acct no. XXXX for {$1600.00} acct no. XXXX for {$410.00} acct no.XXXX for {$390.00} I reported to Equilfax that these do not belong to me for the past 12 years and can not get them to remove them ... .. then XXXX   XXXX acct no.XXXX  for {$220.00} then XXXX XXXX XXXX acct no . XXXX for {$200.00}
Complaint sub-issue: Information belongs to someone else

I checked my credit report and saw i had a collection with XXXX XXXX, i reached out to this company multiple times through the mail to be clear on this alleged debt. They refuse to valdate it, i would like to see a copy of the original contract for credit with my wet signature, and looking at the rates of this loan, they are 20 %!!!!! That is predatory lending!!!!! Please reach out to this company, i dont know what else to do.
Complaint sub-issue: Reinserted previously deleted info

The Equifax credit bureau continually reports old, outdated information on my credit file, particularly 1 account which was paid off over 1 year ago in XXXX 2014 is still being reported as an active collection account even though the collection agency indicated in writing that they have been reporting a paid in full status and XXXX balance. 
Also, I have tried disputing old, outdated information online, however, Equifax stops the online reporting process indicating they can not verify my identity and who I am. 
Which entity or agency XXXX credit bureaus which make their living by publishing old, outdated information, so credit grantors can make more money and profit because bad information is being reported on consumers?
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 USC 1681. 

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 Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the rights 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 1681c. ( 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 antedates the report by more than seven years.

15 U.S.C 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: No notice of investigation status/result

Equifax updated my credit report lowering my score over XXXX points. They state on the front because it is due to a recent serious Derogatory item on my report - I of course disputed this through them as wel as on this site. I have been working on my credit for over 5 years and knew that I never paid late. So rather than fixint the error they sent me my credit report which of course shows NO late payments in over 8 years. So not only did they send PROOF that there were no late payments on my accounts they are reporting that there ARE. SInce this is NOT showing on my credit report from any of my account holders. Thye need to provide the creditor that is reporting me late since it is NOT on my report. The report does me good. There is also a serious issue where half of my monthly payments are showing " no data avail '' however the payments have been made which shows on my XXXX as WELL as my XXXX. That needs to be updated as well. This one incident has caused me SERIOUS financial problems as my credit score reflects my ability to pay rent and maintain the balances on the cards I have. I want to know if I have any legal recourse for this as this clearly a breakdown on their end. I should not have to dispute this report on a monthly or even weekly basis. They have a responsiblillty to maintain correct information.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

This is an inquiry on my credit report that I do not recognize.
Complaint sub-issue: Was not notified of investigation status or results

I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus XXXX XXXX and equifax to delete said accounts and i am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. these accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. please help resolve this matter because it is illegal to report these accounts without written signature.
Complaint sub-issue: Debt is not yours

My rights were violated pursuant to Federal Law.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

On  XXXX   XXXX ,   XXXX   I received an alert that   XXXX   XXXX    had pulled a hard hit on my credit. I have not applied for credit in 2 years. I called  XXXX  and they said this is an error, and no one has pulled credit in my name, I called Equifax to report the issues, I had the same problem with them last year at this same time. They are telling me they can not dispute and that there is no way for them to tell if I did it and just do not want the inquiry on my credit. I told them if they would do the dispute, and call  XXXX , this will settle the problem. They flat out refused to do the investigation. I want this inquiry removed and they need to do the investigation.
Complaint sub-issue: Reporting company used your report improperly

Hello and thanks for reading my complaint. 

In 2019, my wife and I signed a lease for a condo at XXXX XXXX XXXXXXXX in XXXX Indiana. I was there playing baseball. We stayed and payed out our lease. Payed every bill they ask and didn't have any issues. the following year my wife and I were getting financing option for our first home and saw a collection on our report from XXXX XXXX  XXXX for XXXX XXXX We have no idea what that's for but just figures there no need to hassle and so we just paid it off. Now fast forward we both still have Derogatory Collection on both of our credit reports. its been incredibly damaging because it pushes or interest payments very high over something we have no control over. Our monthly payments are XXXX $ more a month because of our interests rate is high because of this Collection on our report. I contacted Pro Collect who is the collection agency responsible and they won't take it off our report. This is just wrong and the big institutions are taking advantage of us to get higher interest payments.
Complaint sub-issue: Information belongs to someone else

I am writing to dispute fraudulent charge on my account. I am a victim of identity theft, and did not make or authorize this charge. I am requesting that the charge be removed, and any finance and other charges related to the fraudulent account be credited as well, and that I receive an accurate statement.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX  with XXXX XXXX XXXX XXXX pulled my equifax credit report without my consent. I contacted the XXXX XXXX  and they said that they have made the appropriate updates and have notified the Equifax of the changes that need to be made to my credit report. They said that the hard inquiry would go away.However, the hard inquiry has never removed from my equifax credit report.
Complaint sub-issue: Was not notified of investigation status or results

I sent a complaint regarding some incorrect information to these companies on XX/XX/2021. I understand that these companies have 45-60 days to respond. It has been nearly 60 days with no response
Complaint sub-issue: Account status incorrect

I was just notified that my XX/XX/XXXX complaint # XXXX was status closed based on the FALSE representations by ALLY that this XX/XX/XXXX complaint is a duplicate complaint from XX/XX/XXXX. INCORRECT. The prior XX/XX/XXXX complaint was closed in XX/XX/XXXX/XX/XX/XXXX and involved early XX/XX/XXXX payments that were misapplied. No sooner than this case was closed did the EXACT same problem happen to my XX/XX/XXXX/XX/XX/XXXX payment. I provided a letter from my bank 's ACH processor that confirms the problem and this letter is dated XX/XX/XXXX. This is a totally separate instance of the same styled problem and is NOT in any way a duplicate complaint. I have been awaiting ALLY 's response the my XX/XX/XXXX complaint only to now receive this ridiculous response. It appears that ALLY CSR calls all appear to be transferred overseas to what appears to be the XXXX and they're totally useless in this situation. My credit report score is being severely negatively impacted.
Complaint sub-issue: Information belongs to someone else

I received a copy of my consumer credit report from Factor Trust Inc. on XX/XX/XXXX, Report # XXXX. The credit report was extremely extensive and contained multiple inaccuracies and outdated personal data. 
I mailed a formal dispute on XX/XX/XXXX to Factor Trust Inc and waited for results. 
After no response, I mailed another dispute on XX/XX/XXXX, XXXXthis time certified mail. ( Dispute dated XX/XX/XXXX ). 
Again, no response. 
Next, I mailed a failure to respond to my dispute on XX/XX/XXXX via certified mail ; referencing the dispute of XX/XX/XXXX because I have proof of receipt on file. 
I receive a response days ago, dated XX/XX/XXXX stating they received my dispute ( by now I've sent 3 with no results ) ; however, I must first obtain a copy of my report before I can file a dispute. 
Hmmm. How would I be able to mail such a thorough dispute, if I did not have a consumer report from Factor Trust?
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States that I have a 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 166b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Complaint sub-issue: Information belongs to someone else

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. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX FI XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX ; XXXX XXXX XXXX ; Chapter XXXX Bankruptcy XXXX ;
Complaint sub-issue: Their investigation did not fix an error on your report

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX Balance : {$560.00} XXXXXXXX XXXX XXXXBalance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} US DEPT ED XXXX Balance : {$1300.00} US DEPT ED XXXXBalance : {$510.00} XXXX XXXXXXXXBalance : {$0.00} XXXX  XXXXBalance : {$0.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1300.00} USDOE/XXXX XXXXXXXX Balance : {$0.00}