Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account information incorrect

Hello : I am requesting assistance with three credit reporting agencies as well as XXXX XXXX Credit Card. 

While requesting my free annual credit report, I observed there to be asking/verifying questions in which is not applicable to me. 

1. I was asked about a car loan, car loan payment amount, pet insurance and student loan information. I do not have these information on my credit report. why is it showing up there. I dont have any of these about mentioned accounts. 

On an ongoing basis, I have noticed my account balances to be incorrect as well as the account limits. 

XXXX XXXX also reported me late in XX/XX/XXXX and XX/XX/XXXX, when I paid from a bank account on time. 

My XXXX card balance is incorrect. They are reporting me late, when I pay my accounts on time every month. 

I requested to receive SCRA benefits from XXXX  XXXX, in which I was denied SCRA benefits on my XXXX  XXXX account. I was advised this is a law. They also reported late, when I explained to them I was in training and the bills went to the incorrect address. 

The account was also on reoccurring monthly payments. which they took out payment but still reported as late. I am asking assistance with this matter.
Complaint sub-issue: Reporting company used your report improperly

Recently, I did an investigation on my credit report which cause severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. Im accordance with the fair credit reporting act everything has to be 100 % accurate on my credit report and under 15 U.S code 1681e ( b ) and 15 U.S code 1681 i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Complaint sub-issue: Problem when attempting to purchase vehicle at the end of the lease

I have a leased vehicle for Volkswagen XXXX with Volkswagen Credit. I have requested to buy-out for lease in XXXX and they provided the instruction with the forms/bill of sale. 
Per their instruction, there is an option to receive the title by XXXX if I pay additional {$15.00} so I did complete and sent two different checks for payoff amount and a fee for XXXX. 
They cashed checks on XX/XX/2022 but they have not sent the title until XX/XX/2022 by regular mail and I have not received the title yet as of XX/XX/2022. 
I have planned to business trip to oversea next week ( will be returning back in XXXX ) but I have to reschedule the airplane because I have not received the title. 
During the summer season, the busiest season of the year, it will cost me extra to reschedule the airplane. 
I demand full refund of {$15.00} for XXXX and reschedule cost damage for air fair due to their mistake. It will cost anywhere from {$700.00} and more depends on reschedule date per air company.
Complaint sub-issue: Account status incorrect

Im writing this because I have inaccurate information reporting on my XXXX, XXXX and XXXX from Fed Loan Services and XXXX, I have tried to dispute this information with them but they said that everything in correct. The amounts of each account are correct but the reporting of the late payments are incorrect in each of the credit bureaus, XXXX states that I only have one late from each of the 3 student loans, XXXX states I have 5 late payments from each of the 3 student loans, and XXXX states I have 2 late payments from each of the 3 student loans. Also all my student loans should be under XXXX XXXX but on XXXX it still says Fed Loan Services. 
Also these I should not have the late payments because it should have been in deferred due to being in school in XXXX  XXXX, and the late payments being in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
All of this information will be attached.
Complaint sub-issue: Funds not handled or disbursed as instructed

XX/XX/2021 to XX/XX/2021 I have multiple screen shots and bank statements that prove cash app or square inc took XXXX from my account over a month time frame.. which XXXX is unaccounted for according to their statements and my transactions. I have repeatedly tried to get ahold of someone since XX/XX/2021. I haven't had a response or even got to talk to someone. This isn't fair im going to school getting my bachelors in XXXX. I graduate next year I work hard for my money and don't bother anyone.. they shouldn't be allowed to take our money ... transactions to statements still doesn't add up.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX. Account # XXXX and 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: Reporting company used your report improperly

" Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Complaint sub-issue: Reporting company used your report improperly

The databases of the Equifax Credit Bureau were breached at some point ( presumably shortly ) before XXXX XXXX, 2017. The bureau refrained from alerting to the breech for nearly two months, and the executives of the company dumped stock, indicating that they knew the impact that it would have on their company. My PII ( personally identifying information ) is believed to have been compromised in this data breach, and my identity is now subject to theft and abuse by an unkown number of criminal parties.
Complaint sub-issue: Deposits and withdrawals

I am a single mother of XXXX, things have been super tough with COVID and money is tight. On XX/XX/XXXX I deposited my paycheck through mobile deposit on my US bank app, says it would post to my account by XX/XX/XXXX. First I only deposited my check on a Saturday because I had to wait a week to get my check because the post office delayed delivering it. So I finally received it on Saturday XX/XX/XXXX, I did mobile deposit because I didnt have enough gas to drive to the bank. US  bank made {$220.00} available immediately and said the rest would be available by XX/XX/XXXX. I used some of the money and on XX/XX/XXXX I checked to see if the check posted so I could pay my bills and my account showed it was negative {$210.00} and check still had not posted. I called US bank to find out why my account was negative and they told me there was a 7 day hold on the check. The customer service representative told me that only a branch manager could release the hold and I asked to be transferred to a manager and was sent to an automated system that hung up on me. I called several bank locations and no one answered the phone, I finally got a hold of someone I spoke to XXXX at the XXXX XXXX location and he told me that I would need to speak to the manager at my home branch, I told them no one answered. He said he would try to reach out to that bank manager and give me a call back. 2 hours later I received a call from XXXX at the XXXX XXXX XXXX location, I asked about why there was a hold on my paycheck my check was only {$1000.00}. He said he had no idea that the system didnt say the exact reason but said it was probably for fraud and that they needed to wait to make sure funds cleared and told me he could not remove hold. XXXX said there was hold on check until XXXX and that I would have to wait until then, this is longer than the 7 days I was originally told. Even though I was told XXXX had the power to remove hold he said he couldnt, I asked if there was anyone at US Bank that could remove the hold he said nobody could. Find the hard to believe that, a bank that has millions of customers cant release a hold off a check. I then asked about my account being negative and about the fees they will charge me for my account being negative and he told me that I would have wait until they charge the fees to my account and then he could wave 3 of fees but that was it. I just want my check released, my lights and water are going to be cut off by the end of the week. I cant wait until XXXX. It is unacceptable for my bank to hold my check for a week and a half and then turn around charge me fees for them making my account negative. I plan on suing US Bank for being unethical and holding the money of a single mother of XXXX and allowing her lights and water to be shut off after she worked 80+ to earn that money and now cant buy her daughter a gift for her birthday tomorrow.
Complaint sub-issue: Was not notified of investigation status or results

This was not sent in error ; I am a consumer under the law, and my information was misused, resulting in some false and not entirely accurate accounts on my credit report. My credit report was used without my permission.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account number : XXXX, XXXX 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.
Complaint sub-issue: Information belongs to someone else

Not mine; FCRA violation

XXXX  Account No.
XXXX
Original Creditor
11 XXXX XXXX  Derogatory
Original Balance
XXXX
Balance
XXXX
Date Opened
XX/XX/XXXX

XXXX XXXX XXXX XXXX TX XXXX  
XXXX  XXXX XXXX XXXX XXXX TX XXXX
Complaint sub-issue: Report improperly shared by CRC

I became the victim of identity theft and my credit scores were marked down by equifax XXXX and XXXX and my interest rates soared and I could get no more credit and fraud investigations were cut short and I was told I would not be informed of the outcome and I was being held accountable for the unauthorized activities of another person
Complaint sub-issue: Public record information inaccurate

I am XXXX that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated. 
Failing that, the incorrect information must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. 
Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is at this moment requested as well, to be provided within XXXX ( XXXX ) days of the completion of your re-investigation.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I called in to XXXX  on XX/XX/XXXX, to place an fraud alert on my credit profile. There were unauthorized inquiries on my report. They handled the situation, disputed the items, and also placed an alert on my profile. Also, I was assured that I would receive a phone call before any pull will be made.They also assured me that the fraud alert will be placed on XXXX   and Equifax 's bureau. Months later its still happening. I recently found out i was a victim of Equifax 's Data Breach back in year XXXX. I have had no credit activity until several months after the data breach. My information was compromised. I have alot of inquiries on my report from someone trying to obtain credit accounts in my name due to Equifax 's Data Breach. I have not been able to access my report through Equifax 's Bureau. One of them hung up on me. I cant Obtain any information regarding the complaint. I have asked that any hard Inquiry that was placed on my account in the past 17 months be removed, as they were fraudulent and not authorized by me. I couldn't even get them to place a security freeze on my account. I have given them all necessary documents and still nothing. I am asking that they remove all fraudulent activity as referenced above. The only Inquiry that was made by me was XXXX XXXX, nothing more.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax has reported unknown and unauthorized enquirers on my report those are from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Billing problem

I purchased a car from car max. My credit is not the best and I was prepared to pay a higher interest percentage. I am a widow with XXXX children working two jobs. I receive survivor benefits on a card provided to me by the SSA. My payment is 16 days late and I am receiving calls three times a day to collect payment. I tried to pay my payment and was informed they can't try to enter a payment from a pre paid card until it is 30 days late. after they report it to the credit bureau. I can't set up recurring payments off my pre paid card either. I was informed that upon entering my payment two different ways their system was not taking it and to avoid them reporting my non payment I could drive 45 min to the store every month and pay it or pay 12 to 20 dollars to go wire it from XXXX XXXX each month in my spare time and if these options didn't work for me I could bring the car to them and they would report voluntary repossession to the credit bureaus and sell my car at an auction and I would be responsible for the rest. I again tried to explain to them I did not have a problem paying my bill and I would be happy for them to deduct automatically. I was informed that because the options I was offered I should bring the car back and as a curtsey they would sell it at an auction and that would get me out of my payment. I was never informed in any way that unless I paid my payment exactly how they wanted me to they would not even attempt to take a different payment method until it was 30 days past due. I repeatedly asked to speak to a manager above the one I was speaking to and by the third person I had reached the top. I asked if there was some type of record I could have of our conversation and was informed she would file a written complaint to her boss. I was informed I could go refinance it somewhere that took prepaid cards because they didn't and that I had the reaming 14 days left on my statement to figure it out or it would be reported to the credit bureau.
Complaint sub-issue: Debt is not mine

I was not the card holders it was XXXX. Citi card
Complaint sub-issue: Application denied

On XX/XX/XXXX, I applied for the Discover Business credit card and was denied. A hard inquiry has now been added to my credit report from Discover Bank. When I called Discover Bank on XX/XX/XXXX, I was informed that my application was denied due to the status of a previously closed credit card account with Discover Bank. I proceeded to reasonably ask that, if my application was immediately denied based on information already in possession of Discover Bank, how could there possibly be a legitimate reason to complete a hard inquiry on my credit report? The employee I spoke with was unable to give me a valid answer. There was no reason for Discover Bank to do a hard inquiry on my credit report because, as is obvious, Discover Bank denied my application due to information they already had.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX. 
XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. has violated my rights. XXXX5 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: Transaction was not authorized

I tried to make a purchase and my card was declined. I look at my banking app, Bank of the West is my bank, and I see they charged me 5 times a fee of {$35.00} and all it states is FEE. I call their customer service line as my local branch was closed at the time. I talked to three or four different people and each one of them refused to tell me what the fees were for and insisted that I would have to go in to the branch in the morning. Irritated I finally agreed. The next morning I go into the branch and speak with the banker she tells me that I had five overdraft fees. The day the fees were charged for my end balance was {$35.00}. She tells me that my XXXX that was sent to me that day did not post until the next morning and that's why I got those fees. First of all if I couldn't use that money till the next day why did they give it to me? Second of all XXXX is instant so if it didn't post that don't make sense. Third of all why did my end balance say {$35.00}? This sounds like their mistake not mine. The banker told me she can take off one fee. Oh so I only get charged {$140.00} for their mistake rather than XXXX? I don't think I deserve to be charged when they gave me the money the day of and had they have waited till it " '' posted then I never would've got charged. This makes it their mistake I want my money back this is theft on their part. They are closing my acct and i want my money that they stole from me!
Complaint sub-issue: Bounced checks or returned payments

I was advised to close my account because someone wrote a check And forged my signature a {$44.00} check I opened another checking account with new number and closed the old account Being a senior citizen ( XXXX ) and knowing almost nothing about banking I asked and thought I was told my bills coming in to my old account would be sent to my new account Boy was I in for a surprise all 20 or more bills automatically send to my old account were returned as account closed I was hit with returned check fees galore and the worst was gas company who threatened to turn of my gas and pay only in cash No checks I incurred many late fees $ XXXX- {$37.00} because of this Times 20 my fixed retirement income will not support this at all
Complaint sub-issue: Keep getting calls about your loan

I am being constantly harassed and threatened. I often receive numerous phone calls and/or texts in one day. I 've told them to stop. I am enrolled and my loans are in good standing. I 've changed my number 7-8 times because of stalking but I keep getting contacted about student loans on the new numbers. Frequently they use spoofed numbers that are similar to mine. 
I am a good student and my loans are in good standing. 
They are harassing me anyway. I 've had people follow me into restaurants and say threatening things in my earshot. 
They are using illegal means to get my new number which is supposed to be private for my personal physical safety because of the stalker.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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 XXXXXXXX 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 fumish 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 reason.
Complaint sub-issue: Problem getting your free annual credit report

I contacted The XXXX XXXX about getting my annual consumer disclosure via US Postal Mail XXXX 

I identified myself with a copy of my US Passport and electric bill ( with current mailing address ). 

The Work Number/TALX claims I did not proof of address and/or it was illegible. 

This is baloney. 

Enclosed is a copy.
Complaint sub-issue: Deposits and withdrawals

Hello, On XX/XX/XXXX this year, someone hacked into my account at Citibank and issued wire transfer instructions. Citibank DID NOT verify such wire transfer instructions ( despite its promise to do so, as stated in its Citibank Client Manual ), thus causing devastating losses of {$65000.00}. I am a XXXX XXXX and this is almost all of my lifetime savings. I complained to Citibank some time ago but have not rec 'd my money back yet today. 

No one from Citibank had contacted me before the wires went out.This is particularly troublesome since : ( a ) I have NEVER ordered any wire transfer in my accounts ; ( b ) The payments were going to third parties, which made them particularly risky ; ( C ) The wire transfer amounts were substantial relative to the balances in my accounts, as they represent more than 90 % of my average account balances.
Complaint sub-issue: Debt was paid

To Whom it May Concern : I paid The Offices of XXXX XXXX XXXX   {$1100.00} on XX/XX/XXXX, for my US Bank account that was overdrawn. They used aggressive tactics, scared my family & I felt like I had no other choice but to take out a loan from my retirement & pay this company. After conducting research, I realized that this is a fraudulent company & they never even communicated to US Bank that my debt was paid. There email addresses are incorrect & there building address is not even real. I only owed US Bank about {$600.00} ( half were from overdraft fees ) & now about 10 years later I'm still getting phone calls from 3rd party debt collection agencies still asking me for money on this old bank account. I'm getting so tried of these phone calls & just want it to stop. I also have a release of liability document signed by The Offices of XXXX XXXX XXXX that I can sent to you. I sent this email below & it came back as an error. Now I'm out over {$1000.00} & I'm still being harassed, what do I do? Please help!

~XXXX XXXX XXXX   XXXX -- -- -- -- -- Forwarded message -- -- -- -- -- From : XXXX XXXX <c.XXXX> To : " XXXX '' <XXXX> Subject : File # : XXXX This email is to address the fraudulent charges against me.

I am filing a law suite against your company for deformation of information and malicious intent. I spoke with U.S. Bank today and this is a federal offense. The money I gave to your company on XX/XX/XXXX, was not paid to U.S. Bank and my debt was not released. I am represented by XXXX XXXX XXXX XXXX, and will prosecute you for bank fraud. Per the attached document onXX/XX/XXXX, my debt was paid to U.S. Bank by your company, and this is false information.

I need the owner or supervisor to contact me immediately.

- XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

The accounts listed are not mine and I have no knowledge of. This is Identity theft and Id like these removed from my credit ASAP! 

XXXXXXXX XXXX Date Opened : XX/XX/XXXX Acct # : XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Acct # : XXXX