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

On XX/XX/2019my sister and I went to a nail shop on XXXX and XXXX and got our nails done our nail tech who we went to regularly asked if we wanted a pedicure and we said no, because we didn't have time. So she told me that for my fill it would be {$25.00} and I tipped her {$5.00} like I would normally do. 
When I checked my balance 2 days later I had a {$55.00} charge on my account from the nail shop and a {$37.00} overdraft fee from TCF. I immediately called XXXX, the nail tech and asked her why she overcharged me and she stated that she didn't do XXXX. and told me to bring in my bank statement and show it to the owners. When I did they were very XXXX to me and said that I had no money in my account and began to speak in there language and threw my statement back at me. 
So I notified my banks fraud department and they returned my money pending an investigation. I gave them my original debited receipt with my complaint form 3 times and I only found out the results after I had to keep calling customer service finally they sent me a hard copy stating that they believed that I received the services so they were going to be taking the money back out of my account and the fees stand. 
My question was did you call my witness and did they ask for a copy of the original register tape from the debit machine that matched my copy, no response just sorry mama I ask to speak to a supervisor and I wrote a complaint no answer they just kept adding overdraft fees until my account was closed. One month I had {$490.00} in overdraft fees. 
I'm on XXXX and I can't afford a loss like this. The letter was a fraud they sent in with my signature and it did not match my receipt is there Anything else I can do Sincerely XXXX XXXX XXXX
Complaint sub-issue: Trouble with how payments are being handled

I took out XXXX XXXX XXXX  to finish my XXXX and XXXX XXXX. I graduated XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. ago. My loan started out as {$79000.00} and is currently {$100000.00}. I have paid every since then. When I exited college, no one talked to me about how to appropriately choose payments that would pay off my account.We struggled financially as a XXXX XXXX XXXX so picking the one of the lower payment was our choice. We knew it would take a little longer but we assumed that the balance would go down and we could change it along the way when things got better. My husband was laid off twice, so I took a forebarence for a year... again no one talked to me about how much my interest was or talked to me about getting me on another plan. When ever I would call to speak with someone, I was always left confused because I don't think they really knew what they were talking about. I've been a XXXX XXXX XXXXXXXX for XXXX XXXX XXXX XXXX  so once I learned of the XXXX XXXX I began applying, each time was told no I was missing something, we need a copy of your income tax form, and two years ago I heard " you need to have 120 payments but your plan is okay '' then it was " you are on the wrong payment plan ''. When I tried to get details about what they meant, I still didn't get any clarity to this question. Each time I called, the rules of the game changed! The last time I wrote to XXXX and was rejected I asked for something in writing so I could have proof, and something tangible to follow. I never received that letter. 
Mohela then took over and I have spent months jumping through hoops. I included every piece of correspondance with XXXX and a copy of my payments. I was so happy to see that it didn't matter about what payment plan I had been on, if I had a forbearance in the past, and suspended payments because of COVID counted. Bottom line is I've been on a payment plan for XXXX XXXX XXXX XXXX XXXX  and my debt didn't go down even by a penny, it increased by {$24000.00}, making my balance increase to {$100000.00}! I don't know about you but something is seriously wrong with this picture! I I just received an email from Mohela leaving me with 43 payments to still pay and because the payment had to be income driven, my payment has more than doubled!
Complaint sub-issue: Reporting company used your report improperly

To Whom it may concern, please remove all tradelines being reported with any derivatives of the name XXXX XXXX XXXX that name has been copyrighted, I hereby revoke and rescind any prior written or verbal consent to use the name XXXX XXXX XXXX. See attached affidavit of publication. Failure to do so will result in a lawsuit against your Financial Institution.
Complaint sub-issue: Problem getting my free annual report

I can not access my anual report it says I am not me
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. 

- I sent a letter to remove this inquiry to the creditor on XX/XX/2021 and have not received a response. It is now past 30 days.
Complaint sub-issue: High-pressure sales tactics

I was pressured into signing for a car that I as an XXXX yr old can hardly get in or out of ... my wife can't get in or out without a lot of pain or help the car is a 2021 XXXX XXXX... I have talked to VW leasing to explain my dilemma to no avail... they will not release me from my contract..I spent many hours reviewing paper work and numbers that day and do not think I was thinking clearly when I was explained the terms and my not being able to get out of the deal at all not even after thinking about it and experiencing the hardship of getting in and out of the car... This took place only a few weeks ago on XX/XX/2021 and I have driven the car only a few hundred miles mostly to take my spouse to Drs appointments ... .The car dealership was Volkswagon of XXXX Texas and VW leasing is the financial institution ... I would appreciate any assistance you can provide me... thank you in advance XXXX XXXX, XXXX XXXX XXXX XXXX Texas XXXX
Complaint sub-issue: Account information incorrect

I am writing to dispute the late payment reported by XXXX. My account number ends in XXXX and the last four of my SS # is XXXX. I have been impacted by XXXX. I was admitted to the hospital in XXXX. Not only did I have the XXXX and was in the hospital for a long time, I lost my job. I spoke with XXXX and was advised My payments were deferred until XX/XX/2020. I get a credit alert and they have reported me as past due. This is a VIOLATION OF THE CARES ACT AND THE LATE PAYMENT NEEDS TO BE REMOVED! I WILL PAY THIS ACCOUNT IN FULL ONCE THEY CORRECT MY CREDIT REPORT AND REMOVE THE ERROINIOUS LATE FEES!!!!! I was told I was provided protections under the CARES ACT and they failed to adhere to what was offered to me! No one has called me from XXXX! I received no written notice or terms of the deferred payments/forbearance plan. All I had to rely on was what the Rep told me. I thought I was protected until XXXX. XXXX needs to make this right, AND COMPLY WITH THE CARES ACT AND FIX MY CREDIT REPORTING AND REMOVE ALL LATE FEES AND CALL ME ONCE THAT IS DONE! In either XXXX or XXXX, I was able to call XXXX and I had also filed a Reg Z billing dispute and sent to the designated address. The rep I spoke with saw the dispute in review. At that time, I paid the balance of my account but all a {$35.00} late fee THAT WAS IN DISPUTE! That was the only amount due. She told me, I would receive a written response. I NEVER RECEIVED IT! Not long after that call, I was back in the hospital due to complications from XXXX. I was just sent home yesterday. I was unable to take any action or call anyone regarding this account! 

XXXX needs to remove ALL THE NEGATIVE REPORTING THAT HAVE REPORTED AND TAKE MY BALANCE TO XXXX AND CLOSE MY ACCOUNT!!! THEY ARE IN TEH WRONG HERE!! HOW DO I OWE {$110.00} WHEN ALL I " OWED '' WAS {$35.00} THAT WAS IN DISPUTE??!! THEY NEED TO GET IT TOGETHER AND RESPOND TO THEIR REG Z DISPUTES AND COMMUNICATE WITH CUSTOMERS!
Complaint sub-issue: Other problem getting your report or credit score

The school was fraudulent. The loan is supposed to be forgiven, its negatively impacting my credit. I'm in the process of purchasing a new home, and I need this debt to be removed.
Complaint sub-issue: Funds not received from closed account

Discover checking account closed out several months ago, remaining funds in account not received, the amount of {$140.00}, at time of closing. The last four of account ends in 1960 to best of my knowledge. The attached letter shows funds in amount of {$690.00} deducted from account several weeks ago, sent to XXXX XXXX for a fraud claim check, XXXX XXXX has no record of any such payment or any payment for that matter. Discover rep ( s ) claim remaining funds, the amount of {$140.00} sent to XXXX XXXX in addition to amount of {$690.00}, neither payment received as stated prior, confirmed with several reps in XXXX XXXX executive office.. Further, XXXX XXXX does not accept partial payments such as the amount of {$140.00}, would have been rejected back to Discover, as stated by a XXXX XXXX with XXXX XXXX executive office.. I've explained this in prior CFPB complaints in re, nothing resolved to date..Discover has yet to send me remaining funds in amount of {$140.00} or amount of {$690.00}.
Complaint sub-issue: Problem getting report or credit score

I am a XXXX male that own his home that have no liens or missed payment and is current on all my accounts and the credit agencies keep giving me bad scores because I am XXXX.
Complaint sub-issue: Account information incorrect

Discover is reporting a debt on my credit that I no longer owe. This debt is past the statute of limitation in California. And not only is it past the statute it's really old and past the credit reporting limit. I am requesting this account to be removed off of my credit file.
Complaint sub-issue: Problem with fraud alerts

I had requested a copy of my Lexis Nexis report as I was informed by my former employer of a security breach. I proceeded to opt out of Lexis Nexis databases as a precautionary measure recommended by my former employer. They also requested I freeze all my credit reports. I have been successfully freezing my credit report at XXXX. However, Lexis Nexis would n't freeze my file saying it is n't reqiuired in the state of Georgia. Lexis Nexis is a credit reporting agency as outlined by state of Georgia laws and the CFPB. In the report they sent to me included XXXX pages that clearly states Georgia residents have the right to freeze the credit reports.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Since XXXX, until this day XXXXThere are open inquiries, applications, fraudulent use, and other unrecognized inquiries on my account that aren't mine.. Some accounts are still open which should be closed..This is with Equifax, XXXX and XXXX
Complaint sub-issue: Attempted to collect wrong amount

I believe I and my aunt, XXXX XXXX, are the victims of identity theft. TRS Recovery Services, a Georgia business, has contacted me repeatedly regarding an XXXX transaction for {$29.00} entered into by my aunt. I had nothing to do with the transaction, I but received several notices from TRS as a collection agent. I disputed the charge twice by letter, but TRS continued to contact me. We called to dispute, but TRS did not desist with collection notices. My aunt then paid the claim to make it go away, and then her bank account information was stolen and used in many foreign countries the same day. I have copies of all letters from TRS as well as proof of payment ( even though we disputed the claim ). I can provide all the documentation. I believe this company fished for my aunt 's bank account through a transaction on XXXX that I had nothing to do with and then stole her identity. I would like TRS to stop contacting us, especially since we paid their false claim even though we did not owe it, and not harm my credit history at all. I am only XXXX years old and did not have anything to do with any XXXX transaction and don't wish to have my ability to obtain credit in the future harmed in any way. Please let me know if I can email or fax all documents to you.
Complaint sub-issue: Information belongs to someone else

I like to file a dispute for fraudulent items on my credit report for the following : XXXX XXXX XXXX. The report number XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review.
Complaint sub-issue: Account status incorrect

Equifax has defamed my character and committed fraud by falsely reporting accounts, addresses, inquiries, and employers on my consumer report.
Complaint sub-issue: Billing problem

I give authorization for Ally to move forward with this complaint. I bought a car and received a loan from Ally on XXXX of XX/XX/XXXX. On XX/XX/XXXX, 2021asserted my rights as a FEDERALLY PROTECTED CONSUMER. 
I sent Ally a NOTICE OF BILLING ERROR in the amount of {$7600.00} requesting all documentary evidence of the accounting since the inception of the promissory note/retail installment contract. As a result of this notice of billing error and a negotiable instrument that was sent in, ALLY restricted my account demanding that I pay certified funds for 6 months in order to pay the loan, and preventing online and phone in payments. This is causing extreme stress and undue hardship at this time, in addition to be illegal adverse action under a notice of billing error.
Complaint sub-issue: Information belongs to someone else

Hello, I filed a complaint here with the FTC/CFPB for XXXX   XXXX XXXX. They collect on behalf of XXXX XXXX. They put a collection on my credit report for {$100.00} I never in my life have had XXXX XXXX EVER. My father is XXXX XXXX XXXX He has XXXX XXXX. Not myself.I called XXXX  my father did as well. They confirmed that it is his NOT MINE. We asked them to remove the collections, they said they would off my report ( XXXX XXXX XXXX ) They have not. 

I checked the status of my dispute here online and their legal dept said the social matches mine - this is FALSE a blatant lie and my father confirmed on the phone it was his and NOT mine. This is a lie by their legal dept. XXXXTo make matters worse they sold the debt to XXXX XXXX   XXXX/XXXX  XXXX XXXX They keep trying to collect and reselling on an account that has NEVER been mine. I have NEVER enrolled or even applied to XXXX XXXX. 
THey show 2 numbers on my credit report under creditors heading XXXX XXXX I let them know of the situation they said to go back to XXXX. I called XXXX they said they don't have it anymore and denied that they spoke to my father and I before. I then called XXXX XXXX XXXX they said it was sold to another creditor being XXXX XXXX. 

My scores dropped from mid 750 's all 3 down to mid 650's.I am very angry and frustrated at the lies XXXX - XXXX XXXX and XXXX all have colluded in. 
How can they keep doing this? Selling my information/debt that is not mine? 

I have the credit reports to prove it and show matching amounts. 

Thank You XXXX XXXX XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX XXXX XXXX has violated my rights. 

- 15 U.S.C 1681 section 602 A. States I have a right to privacy.

- 15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA Date Opened : DATE XX/XX/2020 I don't have contractual relationship with this company. I don't recognize this Collection. Please provide me the name and address of the original creditor.. Account Number XXXX Please correct and update it from my credit report. It is completely a violation in accordance with the FCRA that sates : the ACCOUNT MUST BE COMPLETE, ACCURATE AND VERIFIABLE. Please remove it from my credit
Complaint sub-issue: Information belongs to someone else

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX Date opened XX/XX/2019 Balance : {$0.00} XXXX XXXXXXXX Date opened XX/XX/2019 Balance : {$0.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I am a victim of Identity theft, I sent this company all the evidence that they needed to prove that I am a victim of identity theft and that accounts were fraudulently opened without my consent or authorization, I did not benefit with anything from this accounts opening, neither do I know who fraudulently opened this account. 
I sent this company my dispute on XX/XX/XXXX. But to my surprise, up to now this account is showing on my report. 
For YET another time, this account is fraudulent and I need deleting from my report file asap : XXXX XXXX XXXX Account REF # XXXX, Original Balance {$7000.00}, Date Opened -XX/XX/XXXX I am looking at filing a lawsuit against this company if they continue to ignore my disputes and remove this fraudulently opened account from my credit report. 
I have enclosed herewith 1. Identity Theft Report 2. Proof of identity 3. Section 605B of the Fair Credit Reporting Act
Complaint sub-issue: Debt was result of identity theft

Ive never been physically contacted by this collection company, I saw it via a fraud alert on my XXXX credit report ... this is a 3rd party company that is attempting to collect a invalid debt, prior creditor XXXX XXXX closed this account per my request in XXXX, the account was opened in XXXX without my consent nor acknowledgement via online ... I demanded in XXXX that XXXX close it ... and release my name from any accounts, they responded via phone call, I filled out fraud packet in XXXX and sent it to them ... completely invalid debt ... this company the " Bureau '' re-filed it in XXXX of XXXX ... with erroneous data ... and it has hurt my credit score and defamed my otherwise decent name ...
Complaint sub-issue: Problem with fees

I paid my credit card off on XX/XX/. Two days, I went to check to make sure that there was a XXXX  balance. To my surprise there was a {$20.00} fee applied to my account. I paid that balance. Today I received another email informing me that I owed {$56.00}. I called Discover to inquire about this new balance. I was informed that because I paid my balance two days after the due date, I was charged interest and late fees. I was very upset with the company. I told the company that they were penalizing me for paying off my balance. Something needs to be done to prevent companies, like Discover, from penalizing individuals from paying off their balance. The company will try to hide between a false narrative about when I paid my balance. The truth is Discover is penalizing individuals for paying off their balances.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2022 I received a response from XXXX XXXX regarding a fraudulent account being opened under my social security number & they removed the account but I received an alert almost 3 months later Equifax decided to add it onto my credit file. I want this removed ASAP along with the 7 hard inquiries listed because I was a victim of identity theft & have already proven this to the company
Complaint sub-issue: Information belongs to someone else

I have disputed none stop with this. Company and seems to me the have done nothing but let my rights be violated and I am not standing for it anymore I have filed a police report I have sent in my XXXX report and also filed a new one I have placed a fraud a lot onto my account so no one can again harm my credit also the accounts they are listing on my credit that ARE NOT MINE are still violation of rights due to inconsistency of information matching and none of it does across all three credit files so these account needs to be deleted now and I am not going let these companys violate my rights
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX Account name XXXX XXXX and account number XXXX Account name XXXX XXXX and 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 whiten instructions
Complaint sub-issue: Overdrafts and overdraft fees

Us Bank charged fees anyway they can ... sometimes days later with bogus explanations. I go days with a positive balance then all of a sudden Im charged overdraft fees for things that were fixed days prior. This bank seems to be charging their low income and struggling customers more fees as often as they can. I am being charged fees and have met people having the same issue but because its a bank no one will help or even look into it ... I know this company wont help either but at least Im speaking up so in the future when some XXXX  person gets done the way Im being done and other XXXX  people are being done and gets assistance she needs I have proof and can say I asked for help also but being XXXX in Amerikkka no one cares about what happens to me or who does me wrong.
Complaint sub-issue: Their investigation did not fix an error on your report

I was a victim of identity theft. I filed a police report and theft affidavit. The bureaus have not removed and blocked the fraudulent information.
Complaint sub-issue: Information belongs to someone else

I am writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the Affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible.
Complaint sub-issue: Account information incorrect

All three credit bureaus are reporting different credit reports for account # XXXX. The reports are erroneous and I disputed this alleged information to each credit bureau and nothing has changed.
Complaint sub-issue: Investigation took more than 30 days

i filed a dispute in regards to the incorrect items on my credit report, it has been well over 30 days and i have yet to received any investigation results.