Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Overdrafts and overdraft fees

My account was shown negative om XX/XX/XXXX and i have till XXXX XXXX to add funds, so i am not overcharged overdraft fees. As of XXXX XXXX i added funds on XX/XX/2020 but PNC bank still charged me overdraft fee despite my account showed as positive at XXXX prior day. PNC took a lot of overdraft fees from me in the past which i did not dispute, but after making a valid attempt to make sure my account was positive on the day, PNC still charged me overdraft fees next day. I also contacted the customer service - despite them having failed BUSINESS rules, they denied to fix this problem.
Complaint sub-issue: Don't agree with the fees charged

2015 federal loans were taken in out my name from XXXX XXXX college, 2 loans totaling {$3500.00} with taxes, fees and interest. I never received any money or loans from this institute or school. Contacted XXXX XXXX, XXXX, MI and customer service ( which has my SSN # ) about the fraud. I sent in affidavits to verify theft and have it removed from my credit report.
Complaint sub-issue: Account status incorrect

Please see file attached called " Letter for XXXX  and Equifax. 
for a complete description, with all required information with additional documents attached. 

This was also sent to XXXX XXXX today, through XXXX XXXX Mail. 

XXXX XXXX requires to include by mail, the personal information that C.F.P.B. instructs us not to include here, so the attached letter contains that personal information, but I decided to prepare a new version for the C.F.P.B. 
to be included here for Equifax and XXXX, which does not include the personal information. 

The document called Scan 3, is a copy of a cover letter provided by a bank officer from XXXX XXXX Branch located at XXXX XXXX XXXX XXXX XXXX, in XXXX XXXX P.R. It was just one of the communications I sent through the same Bank branches and bank officers about this, proving I always kept contact. Other communications, not all, appear as documents called " XXXX XXXX '', the central office XXXX Officer assigned to my case. 

The Petition for Rehearing at the Supreme Court, which was denied last XX/XX/XXXX, just as much of the 7,000 to 8,000 Petitions they receive was also included, identified by a too long autogenerated number for its PDF file. 
The Document called Rehearing Denied shows what the Supreme Court of the U.S.A. 
shows publicly, but they decided not to post everything. 

A page appears at the Supreme Court website saying additional information is available at the Clerk 's Office, showing additional info. not shown, like : XXXX XXXX  's attorney motion to substitute XXXX as defendant on my Lawsuit, for XXXX XXXX, the one who granted me the loan to update the XXXX  Loan back in XX/XX/XXXX, because they said, now XXXX XXXX  owns XXXX XXXX Puerto Rico, because they purchased it : But, the fact is XXXX XXXX still exists nearly anywhere in the world, but not anymore in Puerto Rico. 

I only sued XXXX XXXX  : the same judge of the incorrect opinion, denied this motion to substitute party to XXXX bank, as shown and included, as Document 162 main.

The document called 2 letters XXXX XXXX, shows a recent XX/XX/XXXX letter, where in XXXX, XXXX XXXX  XXXX XXXX XXXX makes reference to another included letter in English, where they wrote XXXX account status is mostly responsible for the adverse credit decision, denying me a loan back in XX/XX/XXXX. 

Thanks
Complaint sub-issue: Reporting company used your report improperly

My personal information, potentially my DOB amd SSN have been compramised as part of the Equifax Data Breach known by Equifax as of XX/XX/XXXX.
I was not notified that my data was at risk and am now forced to take actions preventing theft of my identity for the rest of my life.
Complaint sub-issue: Their investigation did not fix an error on your report

CarMax Account number : XXXX Date Opened : XX/XX/XXXX CarMax has been reporting misleading, inaccurate, inconsistent and unverifiable information on my XXXX XXXX XXXX XXXX and XXXX XXXX reports. This is a joint account and they are reporting different inaccurate, inconsistent and unverifiable information on the co-owners credit report as well.

Both of us have disputed this information many times over the last several years. We are entitled to a 100 percent accurate credit report. CarMax continues to spitefully report inaccurate information without verifying any of the inaccuracies and incorrect information, and not reporting an accurate payment history, as well as providing all the documentation. 

There are several pieces of information that CarMax is reporting is different and misleading, inaccurate, inconsistent and unverifiable on all of our different credit reports. The balance is different and/or missing, the payment history are different and/or missing, and dates are different and/or missing. There are over 20 items that do not match. There are numerous errors as well as missing information which violate FCRA laws. CarMax as well as the credit bureaus seem incapable of or unwilling to resolve our disputes. 

They have also added to our credit reports a payment in the amount of {$5500.00} in XXXX of XXXX, in which neither of us made. This is a violation of Federal laws. CarMax is using abusive, deceptive and unfair debt collection practices. 

I have contacted CarMax and asked them for all documentation on this account. They did provide a statement which shows that this account has a {$0.00} remaining principle balance on XXXX of XXXX. However, they have failed to produce all documents so this account could probably be verified and 100 percent accurate. 

We feel that CarMax willfully and wantonly reports this account to keep our credit damaged so that we can not obtain credit, pay higher interest rates, cause XXXX XXXX, loss of credit, higher insurance rates, etc. This is malicious prosecution. This account has caused us both mental anguish and emotional distress. 

Per FCRA, reporting must be 100 percent accurate or the account must be deleted from ANY and ALL credit reporting agencies, not just XXXX, XXXX and XXXX. Therefore, I am demanding that ALL reporting on this account cease and desist and be IMMEDIATELY deleted from credit reporting agencies ( not just the major three ) permanently.
Complaint sub-issue: Threatened to sue on too old debt

Both Jefferson Capital and XXXX have been calling me on my cell phone continuously since XX/XX/XXXX about a medical debt that I incurred XX/XX/XXXX 0r XX/XX/XXXX. I have an old bill from XX/XX/XXXX. I was in financial distress because of the recession and things have happened since to make it worse. I believe that the statute of limitations has expired to collect this debt. The debt was charged off on my credit report. What should I do to stop them.
Complaint sub-issue: Their investigation did not fix an error on your report

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.
Complaint sub-issue: Frequent or repeated calls

This is an old XXXX XXXX XXXX cell phone bill from XX/XX/XXXX which has already been bought and by XXXX with the amount of {$210.00} bought on XXXX XXXX. They have not contacted me until I did a dispute with XXXX XXXX a few days ago. Told them to stop calling because I cant confirm if they arent scammers. They have not sent me anything At all in the mail and no emails or anything. I think this whole thing is a scam on my credit report.
Complaint sub-issue: Information belongs to someone else

I AM SUBMITTING THESE DOCUMENTS ON MY OWN BEHALF. I WILL ASLO UPLOAD THEM IN ONLINE. PLEASE DO NOT SAY THIS IS A COMPANY SUBMITTING THEM. I HAVE ALSO BEEN AFFECTED BY A BREACH OF EQUIFAXS INFORMATION. Send in information via CFPB to update my address to prevent any future access to my sensitive information. I've had several attempts of someone trying to open accounts in my name because I was still receiving prequalified offers in the mail at a previous address. I've purchased a home and no long want to receive promotional offers from companies that XXXX  allows to do a soft inquiry on my credit profile. I would like for XXXX   and Equifax to block and remove any inquires that didn't originate from me as well as update my current address to show accurately. Several accounts were successfully opened in my names that are fraudulent and Id like to that them removed immediately. This information is listed below, ALL accounts and hard inquires that are a result of identity theft.
Complaint sub-issue: Problem with personal statement of dispute

Equifax was notified XX/XX/2020 that the date of birth on their credit report was inaccurate. I have sent in all supporting documents and the issue remains. I now want Equifax to disclose who/ where supplied this information? As I can not get it corrected with a drivers license, passport, SS card, utility bill etc. I want to know who managed to change this with equifax? They are by law to disclose where/ who is the defining source of this information. I have requested this several times. I sent a copy of the equifax report, ( attached to this message ), circled the error so there can be no mistake as to my question on inaccurate information. To date equifax has refused to answer this. They do ask for a 5th time a copy of my drivers license. Sent via certified mail 3 times. 

This complaint is solely on who supplied the inaccurate information that equifax is believing. Show me their proof as someone had to go to extreme lengths to do this ... .as I can not, and I am legitimate. So disclose the source of this information. Who is reporting this? What documents does equifax have that changed my date of birth after 60 years.
Complaint sub-issue: Company closed your account

I opened A discover Card XX/XX/XXXX and I got a random Email reporting from XXXX on XX/XX/XXXX that Discover recently closed my account out of no where. I called them multiple times asking why they closed my account and they said it was due to inactivity. I told them I wasn't able to use my card because of recent health issues. They never sent me any letters or emails or messages inside of my account that they were going to close my account. It is ruining my credit history now due to that being my longest account open.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account 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
Complaint sub-issue: Reporting company used your report improperly

XX/XX/2022 submitted complaint because Lexis Nexis provided the 3 credit bureaus with information regarding a bankruptcy it pulled from XXXX, a system of record used by the federal government. I did not give Lexis Nexis any permission to report the information and the Court of Record did not instruct them to report the information or validated the information. 

As of XXXX XX/XX/2022, the company is using a stall tactic to delay removing the information stating it could not verify my identity. I am not sending the in as a new investigation. I demand immediate action from Lexis Nexis to clear my report.
Complaint sub-issue: Account terms

XXXX is reporting on my Equifax report they say I had a XXXX account I did n't pay this is not true I never have had a account with XXXX they told me it was opened under a XXXX XXXX I have never had the name XXXX XXXX I have never had a XXXX account. I am also going to contact my state attorney
Complaint sub-issue: Frequent or repeated calls

I field a complaint with CFPB regarding to Ally to resolve a matter. However Ally is calling me on an automatic system and blocking their phone calls without resolving these matters. They call my house all day long more than XXXX times. We are in dispute and they refuse to resolve the matter as I am waiting for a supervisor to return a phone call to me however this is an automatic system and then they block the calls the rest of the day.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX REPORTED TO THE CREDIT BUREAUS THAT MY ACCOUNT WAS 30 AND 60 DAYS LATE FOR THE MONTH OF XX/XX/XXXX AND XX/XX/XXXX, WHICH IS NOT CORRECT, THE ACCOUNT WAS CLOSED AND PAID IN FULL BACK IN XX/XX/XXXX, I NED THE CREDIT BUREAUS TO UPDATE MY CREDIT BUREAUS TO THE CORRET INFORMATION.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Original Dispute Number : XXXX [ never Got worked ] New Dispute Number : XXXX I went on a Business trip to XXXX [ XXXX XXXX ] : XX/XX/XXXX thru XX/XX/XXXX I noticed a charge for {$4500.00} [ exactly XXXX Real ] after I came back from the trip I filed a dispute on citi.com from my credit card statement page. 
During my initial Dispute there were 10+ charges from the same merchant XXXX XXXX and I disputed them all. 
The City where the merchant is located and where the card was used physically is 8 Hrs away from where I stayed. 
I stayed in the XXXX XXXX area during the entire trip which is evident from all the other transaction. 
The amount that was charged is exactly XXXX XXXX XXXX. 
https : XXXXXXXX Details on how they commit this crime. 
I suspect this is what happened to me while I tried to use my Citi Card and eventually ended up using my debit card to get cash and pay for the restaurant bill. 
https : XXXXXXXX Above website explains in detail how the criminals clone a card and Use it, even if it is a chip enabled card. 

If as a layman, I can find these information and figure out how I got defrauded, I BELIVE that the SPECIALISTs can do a much better task. 

I tried to resolve the issue with citibank several times. without any luck. 
I got the old card canceled and got a new card. I am using the current one and pay off the amount that I spent during that billing cycle. 

Citi is holding on to the fraudulent charge and charging $ 100+ late charge every month.

That is hurting my Credit score. 

Please let me know if you need any further information.
Complaint sub-issue: Information is not mine

I am a victim of identity theft. I have a identity theft marker on my credit reports. 

XXXX accounts which Equifax are reporting on " XXXX '' and " XXXX XXXX '' are result of identity theft and I demand Equifax stop reporting this information. 

I submitted a FTC ID theft affidavit and police report to XXXX over a year ago.. They responded to me a few months later saying that there is nothing they can do since they sold this account to XXXX XXXX XXXX. 

I called XXXX XXXX ( the debt buyer ) recently and explained the situation and the fact that I am a victim of ID theft. The XXXX XXXX rep says " In that case since you are a identity theft victim, I can offer you a one-time settlement 80 % discount ''. I refused to pay even with their large discount because I will not pay for someone else stealing my identity.. It was n't me..
Complaint sub-issue: Problem using a debit or ATM card

I used CashApp to purchase items from a seller on social media. When the seller did not deliver the products purchased I tried to dispute the transactions and was told I couldnt dispute pending transactions. Then when completed I was told I couldnt dispute completed transactions. Now Im out {$1000.00}, still have no products I purchased and CashApp wont even talk to me about them.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX I have already disputed these inquiries several times. I called all 3 credit agencies and have not received a resolution that these inquires are mine.
Complaint sub-issue: Debt was result of identity theft

I write in connection with the Discover Card ending in XXXXThis charge off account is present on my credit report. The presence of this tradeline is in accurate. I submitted multiple disputes with the credit bureaus all of which were unsuccessful. I contacted Discover directly. Discover 's " proof '' that I was the obligor on the account was the existence of the bills. Discover provided no other evidence that I actually applied for the account. The existence of the monthly bills, in and of themselves, does not constitute proof that I am the actual account holder. Discover has never provided proof that I actually applied for the account or that I made payments.

It my position that I am not indebted to Discover Bank because I did not apply for or benefit from the goods and services provided by Discover Bank. I attach the monthly bills sent by discover It appears that origin of the Discover account in question relates to the XXXX XXXX XXXX # XXXX XXXX, California XXXX. I have no association with this address. Additionally, the mailing address was changed to a PO Box address in the last stages of the account. 


This account was opened without my consent in XXXX of 2014. The entire lifespan of the Discover Card account was less than 2 years. The account was used and benefitted by the identity thieves and discarded. In a short amount of time, the identity thieves abandoned the account.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The information you provided is different from other bureaus. This account is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Also, please reinvestigate the whole information especially the account type, account status, payment status, comments, and payment history. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Complaint sub-issue: Problem getting report or credit score

Unable to get my Equifax report on line. i been trying for over 6 month and keep getting denied accesshave
Complaint sub-issue: Information belongs to someone else

THESE ACCOUNTS ON MY CREDIT REPORT DO NOT BELONG TO ME. THEY ARE FRAUDULENT ACCOUNTS THAT DO NOT BELOGN TO ME. PLEASE INVESTIGATE AND REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT.
Complaint sub-issue: Account status incorrect

I have tried to have the information removed from my credit report, and equifax keeps sending me information that the reporting company should have sent to my medical insurance company. When I became XXXX in XX/XX/2010, I have had Medicaid, and medicare. (XXXX XXXX XXXX) I lived in Florida at that time They should have billed the state of florida and XXXX XXXX XXXX. Each Time I complain The send me a letter which means nothing to me. it purports to show the information proving that I owe them however it does not show where the State of Florida or XXXX XXXX XXXX   was billed. and now another medical bill is showing on my credit report. it was removed on XXXX, and XXXX   which, a dispute was filed today, however equifax doesnt allow me to go further than paying for their service
Complaint sub-issue: Right to dispute notice not received

I have never received a bill from the original company this is due from. I do not know where these bills are coming from and why I owe them. I have also never received a bill from BC Services. The only reason I know that I " owe '' is because it shows up on my credit report. I have contacted them to send me something so I know what it is and why I owe. I have only been told how much I owe over the phone and that it is a medical debt. BC Services has failed to assist me in the debt and just want to collect the debt that I am not even aware of owing.
Complaint sub-issue: Debt was paid

On XXXX/XXXX/15 I paid a debt owed to a collection agency in full. In writing I received notice that they would not report to a credit reporting agency. However as of this date, they continue to report the account and refuse to remove it even though I have pointed out in their own writing that they agreed not report to the credit reporting agencies.
Complaint sub-issue: Information is not mine

This is my XXXX time sending each credit reporting agency a notarized Identity Theft Affidavit. The affidavit contains all information required to block the fraudulent accounts, per FCRA 605B. 

*** I have also requested that if they decline to block and/or remove the information that I am provided a copy of all evidence used in their decision. ***
Complaint sub-issue: Deposits and withdrawals

Pnc bank account my account number checking XXXX they took my checks I deposit in the atm I deposit three checks with my account number on the back of the check and my routing number on the back of the check and sign it to I receive the receipt then to for them my social security checks I deposit the account is close now
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX Acct # XXXX, XXXX XXXX Acct # 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
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts and items which do not belong to me or were opened without my permission. 

XXXX : XXXX XXXX Balance : {$3200.00} XXXX XXXX Balance : {$1400.00} XXXX : XXXX XXXX Balance : {$3200.00} XXXX : XXXX XXXX Balance : {$3200.00} XXXX XXXX Balance : {$1400.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.