Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Banking errors

I've been dealing with incompetent representatives since XX/XX/XXXX and unlawfully closed my case without resolution and consent. There have been over 19 email exchanges, XXXX interactions pinpointing their flawed accounting data. They have refused to respond to my additional correspondences. In addition, I want to file a complaint for accounting fraud, in violation of consumer rules, laws and regulations. I've made it clear to them I would be filing a complaint if they do not respond and gave them a final notice. They have blatantly disregarded my concerns and unlawfully hoarding my funds. 

The account started with {$8.00} and I added {$75.00} on XX/XX/XXXX totaling to {$83.00} balance. I attempted to make a {$75.00} purchase but was declined. Each time it was declined, my funds became unavailable. So, I added another {$75.00} but was declined again and my cash was taken out. Because I was utilizing a 10 % rebate promotion, the system credited {$7.00} which is why I have a current balance of {$91.00}. They released the {$75.00} hold which they corrected voluntary. But based on all the declined purchases, I should have a balance of {$160.00} which the representatives have disregarded. They also confirmed they were having technical issues. They keep saying they refunded both {$75.00} but they haven't. I believe they misread the numerical data and mistook {$75.00} for {$7.00} in their spreadsheet ( also attached ). I am requiring the {$75.00} returned that is rightfully mine and compensation for the issues they have caused including their unprofessional ism and unethical practices.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Complaint sub-issue: Account status incorrect

XXXX is showing on one credit report that I have missed five late payments and I have not. My loans were in deferrent until XX/XX/2020 when I started paying on them. They need to update this information.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have noticed several inquires being processed by the name of XXXX XXXX XXXX in which is affecting my credit. I feel as if i am a victim of identity theft but i am still getting letters back stating that the inquiries are factual in which they are not. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX of XXXX XXXX XXXX GA XXXX/XXXX/XXXX, XXXX XXXX submitted a inquiry on XXXX/XXXX/XXXX and i never authorized this they sent me an application with my information and my ssn did not match and they told me that it was me in which it was not. I am highly upset because credit is very important to me and with all of these security breeches how can i confirm anything when my identity has been stolen.
Complaint sub-issue: Account status

XXXX is misreporting an account I had with them as charged off which is having a detrimental effect on my credit report. I paid XXXX directly in the amount of {$210.00}, which I have a copy of my bank statement showing the amount and that I paid DIRECTLY to XXXX and not a third party collection agency. The minimum that XXXX could have done was accurately update my credit report as " collection paid ''. 

I have reached out to XXXX to have this matter taken care of, to show that I have paid my debts and have my credit report updated, but after months of being told to contact the third party collectors, whom I never paid nor are they on my credit report, and completely disregarding my concerns and I would like this completely removed from my credit report.
Complaint sub-issue: Reporting company used your report improperly

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Complaint sub-issue: Information belongs to someone else

I have severeI items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. Chapter XXXX Bankruptcy, XXXX XXXX. XXXX XXXX, US DEPT ED, DEPTEDXXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX, XXXX, XXXX. Inquiries : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX OF XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Complaint sub-issue: Information belongs to someone else

My XXXX XXXX XXXX credit card # : XXXX and my XXXX XXXX XXXX  XXXX XXXX credit card # : XXXX is lost/stolen, and all the transactions on my credit card accounts is fraudulent transactions.
Complaint sub-issue: Their investigation did not fix an error on your report

This error on my report has cause me to go into a XXXX. I have spoken with several representatives and a supervisor regarding this matter. I was ensured that my credit would not be impacted.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act the following accounts has violated my rights. 

15 U.S.C 1681 Section 602 states that I have a right to privacy 15 U.S.C 1681 Section 604 states that a consumer reporting agency can not furnish any information without my written instructions 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 PA CHILD SUPPORT ENFORCE Account # XXXX DEPT OF THE TREASURY Account # 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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately. 
XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX  # XXXX XX/XX/2021
Complaint sub-issue: Information belongs to someone else

In XX/XX/XXXX and XX/XX/XXXX, I sent certified letters to Equifax, XXXX, and XXXX disputing inaccurate credit accounts and inquires on my credit files. I have sent supporting documents several times also. Due to this inaccurate information being reported by the credit bureaus, I'm paying higher interest rates as a consumer and being denied credit opportunities.
Complaint sub-issue: Card opened as result of identity theft or fraud

Equifax team, I am a victim of identity theft Please remove and block the fraudulent account XXXX/XXXX  XXXX per section XXXX of the FCRA. Dispute confirmation number is : XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I have previously disputed these items with LexisNexis [ Bankruptcy Case # XXXX, XXXX, & XXXX ] and in response you verified the items are accurate, stating that you have verified the information with the U.S. Bankruptcy Court via PACER.

I contacted the courts directly, and their response is enclosed. It is clear they DO NOT report to you or to any credit bureau for that matter ; therefore, your original response verifying the items with the court was either an error or a lie. Either way, the reporting requirements DO NOT comply with FCRA 611 ( 15 U.S.C. 1681I ) and the items in dispute on my credit report must be deleted immediately. ( Reference page # 7 & 8 ) In contradiction, you ( LexisNexis ) stated .... reported to LexisNexis by the nationwide consumer reporting agencies. ( Reference page # 3 ) On the other hand, I have numerous credit reports stating from the nationwide consumer reporting agencies that all public information was obtained through a third-party vendor, LexisNexis. ( Reference page # 5 ) Moreover, my name, address, and full social security number should NOT have been shared with any third party due to the security freeze I have and had on my credit files with a PIN from each credit bureau and your company LexisNexis.

Enclosed are copies of ( highlighted ) documents supporting my position.
Complaint sub-issue: Reporting company used your report improperly

Equifax has sent my information to other companies without my consent. They information they sent was incorrect that included collections and charge offs and incorrect addresses. I have told them several times these dont belong to me and to remove. 

{$130.00} --, collection, XXXX XXXX XXXX XXXX XXXXXXXX {$19000.00}, XXXX, Not my account {$27000.00}, XXXX charge off, XXXX, Sold to a third party {$390.00}, XX/XX/XXXX Collection, XXXX XXXX XXXX XXXX and sold to a third party {$300.00}, XX/XX/XXXX Closed, {$15000.00}, XX/XX/XXXX Closed, XXXX {$3000.00}, XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX, Sold to a third party. 

Texas auto dealer, XXXX XXXX, XXXX
Complaint sub-issue: Account information incorrect

I consolidated my loans with XXXX and on my XXXX report it shows the consolidated amount plus every loan consolidated still shows individual with an amount due so it makes it look like I have triple the amount of student loan debt.
Complaint sub-issue: Information belongs to someone else

To whom it may Concern ; I am a victim of Identity Theft. All the Information Below which is on my Credit does not Relate to any transactions that i have made. this is the result of identity theft. I did not authorize any of these Accounts. Please block this information From my credit Report, pursuant to section 605B of the fair Credit reporting Act.

Please send the required Notifications to all Furnishers of this information. 
Thank you
Complaint sub-issue: Funds not received from closed account

Back in XX/XX/2021 my Account was closed at Citibank they never contacted me to let me know of any supious activity on my account. We XX/XX/2021 the account was closed and they say it would take if to 30 to 60 days to receive my remaining balance after closing the account which is XXXX. I called in XXXX to see if they mailed the check and they say yes back in XX/XX/2021. Now I have not received the Check. I called to see if it was returned cashed or just returned..why did I ask that..the rep asked me to verify my address phone number d.o.b everything for her to put me on hold for 40 minutes for her to tell me to call back wen I can verify my address..what??. I have been dealing with this matter since XXXX. I've lost everything behind this Citibank and they act like they don't care..I just want my money and try to get my life back..please help.I called today XX/XX/2021 and I'm still getting the run around. They say they sent 2nd check but nobody at Citibank that I've talked too can tell me anything..I 'm tired of dealing with these people I feel they are XXXX me and trying to keep my money..I don't know please I just want my money. Its been too long for an account to be closed since XXXX and here it is XXXX and I have not received anything. Its like if I don't contact them about my money then they won't reach out to me and let me know something..I asked them was there a tracking number the rep says no. I ask can y'all XXXX the check the rep says no. But they XXXX me a debit card wen they blocked my old card. I'm really thinking I need an attorney cause this just don't make since..ill never ever use or recommend Citibank to anyone.. I just want my money ... they told me that they were sending a letter to explain about my check I haven't received nothing. They won't let me speak to a manager or supervisor.. They speak in a language I don't understand.they hang up on me many times.. This frustrating.CPS has taken my kids..I lost my job. I lost my car. I've lost everything behind this bank and still have not received a dime if my own hard earned money..and all they can say is " Oh I'm so sorry to hear that.. '' But unfortunately you have to call back ... I'm like for what I'm on the phone with you now..and just like that the phone hangs up and here u go again crying yelling screaming cause u can't get any any help. I don't have any documents to send. They haven't contacted me for nothing..if I didn't call them they wouldn't contact me..
Complaint sub-issue: Their investigation did not fix an error on your report

The following multiple entries on student loans were reported on my credit report..Based on my research, all government funded loans are not supposedly be reported on a credit report. This is a clear violation of the FCRA.. Credit Bureaus could not even give me concrete explanation as to why thy wont delete it.. Please step up CFPB and delete 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**** ,
Complaint sub-issue: Reporting company used your report improperly

I had a FHA mortgage with XXXX from XXXX XXXX XXXX  with good standing however was transferred to XXXX XXXX XXXX XX/XX/XXXX and home was taken over by a real estate agent and I was locked out of home in XX/XX/XXXX after he entered home without legal course and took everything out of the home. I had made numerous complaints to various authorities about their practices to no avail for they were taking out fees, late fees, inspection fees, advance corporate fees, admin fees, etc with my escrow depleting it and then allowed a third party company Credco Corelogic out of Texas to release my personal information to keep me in a position to where I was unable to refinance, making my credit score get down into the XXXX 's at some points and then continued to push me into a corner for inability to seek resolution while being denied for HAMP due to my T form being altered by someone according to what they said, it was altered by their doing not mine. I felt that they were invading upon my privacy as a consumer and person that was unable to seek resolution from these people. I now have a foreclosure on my report and they did not have proper legal recourse to the home. When speaking to them they have stated it was an REO to foreclosure to short sale, so there are discrepancies with my credit in the amounts, dates, and other relative information on credit report to them also reporting an account being open until XXXX when I was forced out in XX/XX/XXXX. They have told me that the account was still open and had activity which was not my activity however the real estate agent as well XXXX that needed to be responsible for said information not under my account number, there were other chain of events overall from XXXX XXXX XXXX as well that I have not included in this complaint due to the numerous events that continued to occur. They continue to report inaccurate information to limited data on credit reports and I am seeking to have some resolution.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8400.00}
Complaint sub-issue: Received bad information about your loan

ECMC has sending me letters for default loan, after repayment plan, and loan given back XXXX for forbearance. I was told my loan separate from University of  XXXX this not XXXX told me, as XXXX loan forgiven school closure. I also filled out a loan discharge ability to benefit, on basis that didn't get high diploma, and was given no examination by university of XXXX, I was email form to US Dept Edu and never heard anything form them.I have been getting threaten emails from them every week.
Complaint sub-issue: Information belongs to someone else

XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX : XXXX -- -> : {$520.00} XXXX XXXXXXXX : XXXX -- -> : {$440.00} XXXX  XXXX : XXXX -- XXXX : {$1100.00} XXXX XXXX : XXXX -- > {$700.00}
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 Account Number : XXXX, XXXX  Account Number : XXXX, XXXX Account Number : XXXX, XXXX 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 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: Account status incorrect

My Account with PNC Bank was charged off. PNC agreed to settle my account in full for a payment of {$3300.00}. Once payment was received they agreed to report to all 3 Credit Bureaus as a XXXX balance settled in full status. On XX/XX/2022 It was paid in full with cash at the PNC XXXX MD branch for the amount of {$3300.00}. The teller was on the phone with PNC representative and confirmed I paid cash and that everything was complete and settled attached I have the settlement letter and receipt of payment. I want them to Update to a XXXX balance as settled in full to all 3 credit bureaus. They said everything cleared at the branch I dont want to wait 30 days for an update on my credit report when they know its clear on their end.
Complaint sub-issue: Frequent or repeated calls

CitiBank contacted me from XXXX today at XXXX and : *failed to mention it was CitiBank & *failed tXXXX mention the call was being recorded I advised the agent as such and having asked for a supervisor, alerted him to the remissed advice the call was being recorded. 
Supervisor ended the call.
Complaint sub-issue: Account information incorrect

I opened an account with XXXX Bank in XXXX. I have paid on time and in full every month. XXXX and XXXX have updated monthly accordingly. Equifax has not updated my account information or payment history ever. Not one time has it been updated. I e reached out to XXXX bank and told them the issues they said its correct but its not. I filed a dispute to have my information updated but it just comes back verified when its not. I showed them proof of my history but they still say everything is accurate when its not.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Contacted me after I asked not to

ON XXXX XXXX, XXXX I SENT A LETTER TO THIS COMPANY INFORMING THEM TO VERIFY THE DEBT AND INFORMED THEM TO CEASE & DESIST. THIS FOLLOWED THE CEASE & DESIST UNTIL XXXX XXXX, XXXX WHEN I STARTED RECEIVING PHONE CALLS AGAIN. DURING THE TIME IN WHICH THEY DID NOT CONTACT XXXX WAS IN CONTACT WITH ME & I DISPUTED THE BILLS DIRECTLY WITH XXXX. WHO IGNORED MY DISPUTE. I FEEL TAT ENCHANCED RECOVERY COMPANY, LLC VIOLATED MY RIGHT 'S BY STARTING THE PHONE CALLS TO ME AGAIN. ALSO IN THAT LETTER I INFORMED THEM I DID NOT WANT TO DEAL WITH A COLLECTION AGENCY THAT I WOULD DEAL WITH THE CREDITOR DIRECTLY.
Complaint sub-issue: Personal information

While reviewing my XXXX credit report of XX/XX/XXXX, and XXXX of XX/XX/XXXX, I noticed that CITIBANK NA employees had initiated an unauthorized and fraudulent inquiries into my credit report. I did not authorize and/or consent to anyone employee of CITIBANK at any time during this relevant period to view my credit report, absent which this is in clear violation of my Privacy Rights and FCRA Section XXXX b ( c ).
Complaint sub-issue: Was not notified of investigation status or results

On AugustXX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

After receiving my credit report, I am not happy when I see these inaccurate items still in there I feel like I'm being taken advantage of for being ignored by my disputes.
Complaint sub-issue: Their investigation did not fix an error on your report

I see several 90-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.