Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Transaction was not authorized

Yes I have a coinbase compromised account and the XXXX XXXX XXXX made a claim that the account was reviewed and the account was delinquent and reported the irs having identity theft of the delinquent account in the time the account was closed and the delinquent account was compromised and distorted the funds delinquent. I contacted the case manager with the irs XXXX XXXX XXXX and she reported the account a imposter identity theft case ID was used to make the account compromised in duty and affidavit was filed with the case and the account had a hold from XXXX XXXXXXXX which was reported the case and under investigation dispute and filed the bank complaint compromised the account and left it to the customer service desk to guide warrant to the information and escalated claims to resolve with coinbase in the amount was token when the bank closed with XXXX XXXXXXXX with the delinquent account XXXX from garnishment and attachments from the beneficiary was restored from the case manager and the resolution team member asked me to give the documents from coinbase and update the claim that was took when the bnak was closed from XXXX XXXX banking and supply them with the restricted access of the benefits transfer with the payment update sent from my bank card and the bank sent it back with a hold from a compromised account with an agency reporting from XXXX that a telex transfer was sent to this bank in the XXXX XXXX  wallet and was compromised from a hacker data breach from coinbase tracker and XXXX XXXX works had a XXXX XXXX breach from this that has not been ID restored with the police report in bankruptcy and added to the report with XXXX credit bureau also inclined to deduct the payment from compromised bank account with coinbase log in banking processes with XXXX XXXXXXXX account XXXX from delinquent account reports it was stolen and XXXX XXXX office is ending the court documents to the case manager and also contact the supporting team member from consumers Financial protection bureau to access the banking needs that were compromised from I'd restoration officer in an attempt to collect a debt and resolve the matter with and affidavit from the account holder to verify bankruptcy and banking act needs from XXXX XXXXXXXX that were sent compromised bankruptcy reports with a petition and complaint order to protect the account with auto identity guard and evaluate the support teams with available information to support the compromised account security was documented and breached in order to obtain XXXX XXXX XXXX account transactions reported from XXXX refrastructure XXXX XXXX XXXX bankruptcy terms with case ID and email the document to coinbase tracker data breaches from support group to remove the security from making transaction that restricted our account access in sending the payment to XXXX XXXX.
Complaint sub-issue: Problem with fees

In XX/XX/2015 I received a MasterCard gift card for {$50.00}. Even though I have never used it, I was surprised today to learn that the card 's balance is now shown as XXXX  due to a series of monthly {$2.00} " inactivity fees. '' I believe this is a dishonest practice. My understanding is that such fees are illegal in California, where I reside. Can you please check on this and advise? Thank you. 

Card number : XXXX XXXX XXXX XXXX, valid thru XX/XX/XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I AM A VICTIM OF IDENTITY THEFT
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 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

I have paid this account in full and satisfied my obligations. I would like this Negative Account removed from my Credit Report.
Complaint sub-issue: Trouble with how payments are being handled

I got the loans in XXXX. It's 2 loans : one with an original balance of {$6800.00} ( UNSUB ) and the other for {$6100.00} ( SUB ) with fixed interest rate of 4.625 % for both. I have deferred the loan up until 5 years ago and have been making payments for 5 years in the amount of {$130.00} total for both loans. I went paperless and also was on auto pay. I didn't really check up on the loan status and it was naive on my part for trusting the company. I recently logged on to AES now that they have an app. I was looking at the break down of each loan and it doesn't make sense. The difference between my original balance and principle balance for the unsub loan is barely {$200.00} and the difference for the sub loan is barely {$1000.00}. So in 5 years, I have paid them over {$7800.00} ( including interest ) and only about {$1200.00} went towards the principal balance ( total for both loans )? Thats absolutely insane! I looked up the payment history on my account and it only goes back till XXXX of XXXX. Also when I do the math for the payments that they claim went towards principal balance doesn't add up. They also claim I plaid {$4600.00} towards the principle balance, on the website, but again my total owed still doesn't make sense. I called them and they gave me some erroneous explanations I couldn't even comprehend and didn't really do anything to help me better understand. They basically told me to make bigger payments if I wanted to see a significant difference in the principle balance. I just want to know where all my money went and how they are making these calculations. If my original balance was {$13000.00} and I " paid '' {$4600.00} ( as they claim on my account ) then wouldn't my principle balance be less than {$11000.00} ( currently owed ). I didn't have this issue with XXXX ( who I finally paid off ). Also, AES says they are funded by XXXX ( when I logged on to the app ) and I called XXXX but they had no connection to AES and couldn't really help me out. Please help. I feel like calling AES again is a lost cause. I have been and still am burdened with other student loans and this is a very stressful matter for me.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX, Equifax and XXXX, has not ceased in their action to report factual information on my credit report. 
XXXX Equifax and XXXX, said accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXXXXXX, were all accurate. A complaint was filed in XXXX XXXX for removal of late fees With XXXX Equifax and XXXX. These Agencies are not following FCRA Laws under Section USC15 1681A 2 ( e ) However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
XXXX Equifax and XXXX, has stated that according to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX The late fees on my Credit report is correct. According to FCRA Consumer reporting agencies should not report factual information. These must be removed immediately!
Complaint sub-issue: Reporting company used your report improperly

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ).

Today on XXXX, I contacted XXXX via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Complaint sub-issue: Information belongs to someone else

not mine : fcra violatons XXXX XXXX XXXX - Closed 7 late payments Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount - {$20000.00} XXXX XXXX XXXX XXXX {$1800.00} Balance updated XX/XX/XXXX 2 late payments Account Info Hover over labels for more details Account number XXXX Account status Open Date opened Indicates the date an account was opened XX/XX/XXXX Account type Lease Paid Off : 4 % Balance on XX/XX/XXXX Loan Amount {$1800.00} {$1900.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act the following debt buyer violated my rights. 

XXXX XXXX XXXX  Amount : {$900.00} Account Number : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Amount : {$1200.00} Account Number : XXXX Date Opened : XX/XX/XXXX I am not liable for these debts. I do not have a contract with XXXX XXXX XXXX nor XXXX XXXX XXXX. They did not provide me with the original application/contract like I asked. Please remove these fraudulent accounts at once. 

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 A complaint has been filed with the XXXX. Case number is XXXX.
Complaint sub-issue: Didn't receive terms that were advertised

Hello, I have opens the US Bank checking account with {$300.00} promotion. I put my employees XXXX XXXX direct deposit for total of {$4100.00} as of today XXXX into the account. However, when I contacted the US Bank, they stated I have not met the direct deposit requirement of {$2000.00}. I believe I fulfilled all requirements for the bonus but still have not received any promotion bonus after contacting the US Bank. 

Thank you
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX, I ordered an item from Best Buy using my Best Buy branded Citibank Visa Credit Card and was charged {$320.00}. On XX/XX/XXXX, I cancelled that order without picking up the item from Best Buy and my card was refunded {$320.00} for the cancellation. On XX/XX/XXXX my card was charged again for {$320.00} by Best Buy and I did not make an order for anything at that time. 

I tried to work with Best Buy to figure out what happened, why my card was charged again, etc ... I had many phone calls into the Best Buy call center, several manager escalations with no one returning my calls. I ultimately contacted Citibank on XX/XX/XXXX to dispute the charge ( Case XXXX ) as I had not received the item therefore I shouldn't be paying for it. Citibank eventually closed my dispute in early XXXX and denied it because they received a screenshot from a Best Buy ticketing system that said the order was charged again because the item was picked up before the order was cancelled. This was a note in a ticketing system and not any sort of proof that I had actually received the item, it could have literally said anything. I reached out to Citibank on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and finally on XX/XX/XXXX to try and explain to the chargeback department what happened, why I can't prove that I didn't do something, all of my attempts to correct the issue with Best Buy, etc ... They said they would resubmit the chargeback, which I found out was summarily denied on XX/XX/XXXX and said there isn't anything they can do and I should go to the store and see if they can help me. 

Citibank and Best Buy are asking be to prove a negative, that I didn't do something. They are also claiming that I picked up the item with out a Best Buy employee, pulling up the order and processing it. If you have ever done an order pickup at Best Buy, you would know that isn't at all possible, the first thing they do is pull up the order on their computer in order to find the item. I am in a situation where Citibank is holding me liable for a Best Buy inventory mistake and that is fundamentally unfair.
Complaint sub-issue: Account status incorrect

Had a personal line of credit since XX/XX/XXXXwith US Bank. Employment, medical problems circa XXXX. Unable to clear the line of credit, and eventually retired. The line of credit was charged off as uncollectible by US Bank. The bank keeps showing the account in a current late pay status even though it is classified as a charged off account. Attempted to get a loan, but there were questions about the late pay status of the account.
Complaint sub-issue: Debt is not yours

I do not have a signed contract or any contract with Enhanced Recovery company.I have never done business with this company.I am not liable for the debt from XXXX.I am not responsible for this debt from enhanced Recovery company.
Complaint sub-issue: Billing dispute for services

Discover Financial is report inaccurately when my credit report was pulled. Although charged off in XXXX of 2019 there shows an updated balance that reports every month. This is a violation of FCRA and should be corrected to be a closed account in charge off status without a monthly reported balance.
Complaint sub-issue: Information belongs to someone else

There are two accounts onn all three bureaus that are not mine They have never been mine I have not applied used or owned such credit cards I need this off my credit I have opened an FTC regarding this and I have sent out disputes to all bureaus and furnishers to remove these since they do not belong to me!!! 

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am requesting that these unauthorized inquiries be removed. I followed the fraud procedures for Equifax and they did nothing. I have fraudulent inquiries on my account that are affecting me getting credit. 
XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, US SM BUS ADMIN, XXXX XXXX XXXX XXXX
Complaint sub-issue: Old information reappears or never goes away

I have paid for 2 accounts that were in collection and also sent them letters to clear all hard inquiries from my credit reports which is affecting me but every time I call they tell me to send them letters again and that they can't or won't remove my hard inquiries I got over 34 inquiries and that really affects my credit score I am working with a loan officer and through his recommendations I'm doing letters to have them clear. But XXXX  employees are to rude
Complaint sub-issue: Was not notified of investigation status or results

ON XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report to this over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person
Complaint sub-issue: Debt was paid

My name is  XXXX   XXXX , I had a  XXXX   XXXX  account with account number  XXXX . My account with  XXXX   XXXX  ended in  XXXX  of  XXXX  when I moved to an apartment that did not have a clear view of the southern sky, which per their rules resulted in the contract being canceled without penalty. Per their agreement, I was to send back the  XXXX   XXXX  receiver and  XXXX   XXXX  remote which I did during  XXXX  of  XXXX . There were some issues with  XXXX  not realizing that I had shipped the box to them already and for some period of time they would call me about it, however in late  XXXX  or so after repeated conversation with  XXXX , they realized that I did in fact shipped the receiver and it was in their possession. My understanding was that the matter was resolved. However I just discovered in  XXXX  of  XXXX ,  XXXX  has turned the account over to collections to Enhanced Recoverey Collections which has reported the collection account of {$290.00} on my credit report. The {$290.00} is for the allegedly unreturned  XXXX   XXXX  receiver, despite the fact that it was returned. This is a debt I do not owe. I 've called both  XXXX   XXXX  and ERC about this, neither are willing to remove it.
Complaint sub-issue: Frequent or repeated calls

They call daily for my daughter. We have explained to them that she does not live with us nor does she have a working phone.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On statement was an unauthorized fraudulent charge on XX/XX/2021 for {$350.00} by vendor listed as XXXX XXXX XXXX XXXX. When I phoned I was told it was a mistake and they would refund it which they didn't. Phone call to CitiCards was immediately made. Fraudulent charge credited on XX/XX/XXXX. Then reposted on XX/XX/XXXX. Action already taken by me has been phone calls by me to Customer Service CitiCards since XXXX, when I received the statement, hard copies of complaint mailed to CitiCards, emails of complaint sent to CitiCards. I was told by Citicards in my phone calls ( XXXX, XXXX, XXXX, XXXX ) that I waited too long to complain and I was denied access to a supervisor. I was also told on the phone calls that the fraud had been removed ( false ) and that a legitimate charge from XXXX XXXX was being investigated though I didn't request it. Also email complaints were sent to XXXX XXXX and their parent companies XXXX XXXX and XXXX XXXX. All were ignored.
Complaint sub-issue: Reporting company used your report improperly

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 3. Validate Inaccurate/Reported Late payment XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 4. Identity Theft XXXX XXXX Account Number : XXXX Delete this account. 5. Identity Theft XXXX Account Number : XXXX Delete this account. 6. Identity Theft XXXX Account Number : XXXX Delete this account. 7. Identity Theft XXXX XXXX Account Number : XXXX Delete this account. 8. Identity Theft XXXX  Account Number : XXXX Delete this account. 9. Identity Theft XXXX XXXX Account Number : XXXX Delete this account. 10. Identity Theft XXXX XXXX Account Number : XXXX Delete this account. 11. Identity Theft XXXX Account Number : XXXX Delete this account. 12. Identity Theft XXXX XXXX XXXX Account Number : XXXX Delete this account. 13. Identity Theft XXXX Account Number : XXXX Delete this account. 14. Validate Inaccurate/Reported Late payment XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 15. Identity Theft XXXX XXXX Account Number : XXXX Delete this account. 16. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, FL XXXX 17. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 18. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX 19. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, FL XXXX
Complaint sub-issue: Fees charged for closing account

I opened a free prepaid card from XXXX XXXX back in XXXX XXXX moved this card/account to Simple who then moved the accounts to BBVA which eventually was merged to PNC Bank XXXX 

PNC Bank provided no way to close my account ( which had a balance of about {$11.00} ) online. They require me to go to a branch which I could not do because of XXXX and health issues. After charging me new fees which I did not agree to the bank then advised me that I have to go into a branch office to pay a {$0.00} fee to close my account. 

I did not ask to be a PNC customer. I did not agree to their fees. They changed a feeless account that I agreed to terms to years previously into a fee based service. They acquired all my personal information including my social security number and opened this account in their bank with new fee-based terms. I did not agree to any of this and simply want my account closed. They refuse to close my account without paying them a fee to do so. This in my opinion is fraud and needs to end.