Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Cashing a check

On XX/XX/2021 I entered an agreement and signed in good faith a contract with XXXX XXXX, property manager representing XXXX XXXX XXXX, to manage my property ( Guest house ) located at XXXX XXXX XXXX. They collected a check for the amount of {$950.00} and it has been cashed on XX/XX/2021. It was for paying {$600.00} for the city of XXXX XXXX XXXX registration processing fees and obtaining a short rental vacation permit and the remaining ( {$350.00} ) to be on hold for any unforeseen future repairs may be needed. I did confirm with the City of XXXX XXXX XXXX XXXX and nothing had been submitted for over a month and subsequently I incurred damage and financial loss of rentals income during the hot season. After numerous phones and emails, for several weeks XXXX XXXX, Director of XXXX XXXX XXXX XXXX informed me that they cancelled the contract agreement and do not wish to pursue anything further and hung up the phone. I called him back, left voice message and emailed him requesting refund of the service and had and processing fees which they never processed, and also requested from him to return the keys, contract I signed, destroy any confidential information including passwords and any other items. XXXX XXXX emailed back on XX/XX/XXXX that they will return the money but they never did. I made several requests but never received a reply or refund for the cancellation of the contract. At this time I urged PNC bank to dispute the transaction and was told in XXXX it will and have been waiting for the past 5 weeks. Yesterday I was informed by PNC bank that they denied my request and will not refund me the {$950.00}. 
I also request that XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX XXXX to return the following : 1-The original contract I signed. 2-A check for {$950.00} 3-My property key 4-Compensation and Interest for my financial loss of vacation rent. 5- An apology and statement that they will not DECEIVE further homeowners and to improve their treatments
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$280.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Complaint sub-issue: Information belongs to someone else

I want this Account Off My Credit please. This Account should Not be on my Credit This is against The law for someone to steal my identity. I did not give any Consent for this account to be open. 
this is very stressful. I'm a single father that is trying to survive for me and my kids I'm about to be on XXXX XXXX  with my kids cause every time they check my credit they see this fraudulent account which makes me look bad as as a person and theses companies don't trust me which i pay all of my bills on time pleases help me resolve this situation or I will be on XXXX XXXX  with my kids with covid 19 I am so afraid
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have hard inquiries that I do not recognize or did not authorize appearing on my credit report XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

XX/XX/2019 I learned my credit score had dropped almost 40 points suddenly. With an otherwise 100 % clean financial profile, the sole reason I could think of was XX/XX/2019 I paid off a {$1000.00} dollar credit card at XXXX XXXX XXXX. 

Three Financial experts, two at XXXX XXXX XXXX, one at Equifax told me this should not happen and " something is wrong ''. A woman at XXXX XXXX XXXX told me that when she paid off a credit card her credit score rose, not declined. 

My credit score at Equifax I dropped from XXXX to XXXX in less than one month. My credit score with XXXX XXXX. On a XXXX XXXX XXXX website that uses XXXX which uses XXXX I have a rating of XXXX 's on five of the six categories and a XXXX on the 6th. There have been NO adverse actions on my financial status of any kind in the last two-and-a-half years. Zero. 

I did apply for a small loan to buy a golf cart but I was told my credit score would not drop because it was just one hard inquiry for which I was approved. 

I reviewed my most recent up-to-date credit report. I couldn't find a single adverse action of any kind listed on it. 

Thank you Please note : 3 years ago I applied for a home equity loan at XXXX XXXX XXXX XXXX. Again I had an excellent profile. The only thing they could use to deny me was I had too many credit cards. 

I explained I only had three, one had been canceled and the other two were with XXXX XXXX XXXX XXXX! Now they're saying I don't have enough credit cards or I canceled one! 

When you call the bank for help on matters like this they throw up their hands and refer you to the credit company. 2 years ago I called Equifax on a similar situation as above. 

That time I had five years of payments to the penny and more verification. Equifax would not help. 

After they heard from the Consumer Financial Protection Board they straighten my credit out in less than 24 hours and added 32 points +/- to my credit score which had been unjustly reduced from fraudulent hard inquiries by car dealers. 

This is a racket! The only people who benefit are banks using this unjust process of reducing your score for the most minor infraction then requiring years to read store it. 

With a lower credit score Banks can AND DO then charge you much more interest in selling you their money! I've talked to bankers and they agree that the process is unjust but they don't do anything to change it or to help you. They religiously report every little thing once a month to the credit bureau, insuring if there's a basis to reduce your score they provide it. 

When you call Equifax they make you jump through hoops with years of data most people don't have at their fingertips, then refuse to help you claiming you haven't proven your identity. Far less proof is accepted by every other institution of almost any kind. 

END OF STATEMENT XXXX XXXX, XXXX XXXX CFPD website would not allow the last four digits of my social security number
Complaint sub-issue: Information belongs to someone else

AFTER REVIEWING MY CREDIT REPORT LAST MONTH, I REALIZED MY CREDIT WAS REPORTING INACCURATE ACCOUNTS AND INQUIRIES THAT I WAS UNAWARE OFF. THOSE ACCOUNTS ARE DUE FOR REMOVAL FOR I HAD NO IDEA WHY AND WHEN THEY WERE REPORTING INACCURATELY. PLEASE INVESTIGATE THIS MATTER AND HAVE THESE ACCOUNTS OFF MY CREDIT FILE. THEY HAVE CAUSED TREMENDOUS DAMAGE AND TARNISHED MY CREDIT FILE, IT HAS BEEN HARD TRYING TO ACQUIRE NEW CREDIT WITH THE WAY MY FILE HAS BEEN. I STRONGLY BELIEVE THAT MY PERSONAL INFORMATION HAS BEEN TAMPERED WITH AND WOULD LIKE THESE ACCOUNTS AND INQUIRIES TO BE CAREFULLY INVESTIGATED.
Complaint sub-issue: Information belongs to someone else

I have been submitting multiple letters with complete attachments of my personal information. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureau 's end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries and inaccurate addresses listed below : 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
Complaint sub-issue: Funds not received from closed account

Citibank sent me a letter in XXXX stating they were closing my account. I told them of my urgency to get my funds to pay my rent onXX/XX/XXXX. Its coming up on XX/XX/XXXX and Im still in need of my funds. This is clearly retaliation from f me trying to get my funds and constant calls and other things allocated to bring awareness to their unusual gestures they have been portraying towards me. Im asking these funds to be released to me. And all late fees unaccompanied with my rent needs to be taking care of by Citibank and every month I go without my rent should be paid by Citibank. This is crazy as how they stated in XXXX my account would be closed in 10 days. But they restricted me from my funds until they closed my account. Which is unethical and biased and most discriminatory thing Ive ever endured. Yet they still opened my account to accept a deposit. Only to close my account again after they accepted my funds. They closed my account 3 days after I opened it. But the next day they closed my account after they seen my direct deposit was switched. I uploaded these 2 images nearly a month apart exactly. One dates XX/XX/XXXX and the other XX/XX/XXXX but Ive still yet received my funds and its almost XX/XX/XXXX. This is driving me crazy. Stressing over funds I dont have and I have lawyer fees that need to be paid. Kids that need school supplies. Shoes clothes. My rents coming up again. For XXXX sakes man. Im XXXX over this stress
Complaint sub-issue: Reporting company used your report improperly

i am a natural person, Iam a living human being .I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And violate my rights numerous times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

ON XX/XX/2020 I FAX AND SENT EQUIFAX A LETTER, EQUIFAX HAS REMOVED 4 GOOD ACCOUNTS FROM MY CREDIT REPORT. THIS HAS DROPPED MY CREDIT SCORE. ATTACHED IS ONE OF MANY LETTERS SHOWING THE ACCOUNTS NUMBERS AND DATES THAT EACH ACCOUNTS WAS OPEN ... WHY WOULD EQUIFAX DO THIS TO ME.
Complaint sub-issue: Account information incorrect

XXXX XXXX is reporting inaccurate payment information on my credit report. I have attempted to dispute this directly with the 3 credit bureaus however ; that was of no avail. I have sent XXXX XXXX a FCBA Evidence Request with no response. This account is paid in full.
Complaint sub-issue: Reporting company used your report improperly

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

15 U.S.C 1681Section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2. It also states consumer reporting agency Can not furnish my account without my written instructions
Complaint sub-issue: Don't want a card provided by your employer or the government

I received a prepaid credit card in the mail from the Illinois Department of Employment Security, issued by Key Bank. I have never applied for unemployment and never requested the card. I believe that someone else filed for this card using my name and personal information. I have not activated the card and I have destroyed it.
Complaint sub-issue: Problem with customer service

I refinanced my student loans in XX/XX/XXXX. The refinance is with XXXX ( XXXX XXXX XXXX ). They made a payment of {$67000.00} on my behalf on XX/XX/XXXX to American Education Services, my previous loan servicer. This created a credit balance of {$3800.00} on my account. 

AES claimed this balance would be returned within 30 days from the date of the final payment, meaning I should have been credited the amount by XX/XX/XXXX. I have still not received this money, nor has my new servicer XXXX XXXX XXXX. Today is XX/XX/XXXX. 

I've contacted AES several times, by phone and by email through their website. I've been given multiple different stories about what is happening with my account and where the money is. I was told by XXXX, employee ID XXXX, over phone, that a check was cut on XX/XX/XXXX for {$2200.00}, but this amount is not for the full credit owed, and so far neither I nor XXXX XXXX XXXX has seen this check. 

I was also told that my account was submitted for financial review on XX/XX/XXXX 

I received a secure email from AES on XX/XX/XXXX,  reference ID XXXX, informing me they would refund {$3800.00} to XXXX XXXX  based on payments made " on XX/XX/XXXX and XX/XX/XXXX '', but so far no payments have been received by XXXX XXXX, and, worryingly, this statement from AES references a payment on XX/XX/XXXX, when no such payment exists. The final payment on my AES account was XX/XX/XXXX. 

This repayment is now more than a full month delinquent, and as a result I am paying interest on nearly {$4000.00} more than I should be.
Complaint sub-issue: Information belongs to someone else

This account was fraudulently opened and maintained. I've contacted the company and communicated that. But they keep calling and trying to get me to pay on an account.
Complaint sub-issue: Their investigation did not fix an error on your report

I viewed my report and discovered there were unverified accounts. I reached out to bureau and it was not corrected. here is the item : XXXX XXXX XXXX  # XXXX
Complaint sub-issue: Account information incorrect

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results. 

XXXX XXXX XXXX XXXX XXXX, XXXX. 

XXXX XXXX XXXX
Complaint sub-issue: Debt is not yours

I entered a consumer credit transaction with the alledged original creditor and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. A third party IC SYSYEMS are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. IC SYSTEMS has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt.
Complaint sub-issue: Debt is not yours

I have no idea what these two collection items are for. I pay my bills and I have never even been late. I tried calling and no one will tell me anything.
Complaint sub-issue: Problem with fees

Single purchase made on XX/XX/XXXX for {$140.00} with a new account discount applied of {$36.00}. Statement billing cycle closing date XX/XX/XXXX with a balance due of {$100.00} on XX/XX/XXXX. Items from XX/XX/XXXX purchase were returned to the store for full credit on XX/XX/XXXX. Credit applied for the full purchase price of {$140.00} and the discount of {$36.00} was charged back. Leaving a balance due of {$0.00} on XX/XX/XXXX. A second purchase was made on XX/XX/XXXX for {$59.00} which was part of the next statement that closed on XX/XX/XXXX with a due date of XX/XX/XXXX. The statement that closed on XX/XX/XXXX also included a {$27.00} late fee. I was able to have that waived after having to explain that the items from the XX/XX/XXXX purchase were returned and full credit was applied which should apply to the balance due for that billing cycle, as since the item was returned I would not be responsible to pay for it. As a result of not paying a payment in XX/XX/XXXX they have flagged the account as past due for failure to pay additionally they have shut down my online access to make the payment that is due on XX/XX/XXXX for the second purchase of {$59.00}, leaving the only way to pay is over the phone or in person. Two issues of concern - One how many others are paying late fees or interest for returned items. Secondly and equally important is that they are reporting to the credit bureau inaccurate information lowering credit scores.
Complaint sub-issue: Information belongs to someone else

There are accounts on my credit report that are not mine. Please remove them.
Complaint sub-issue: Reporting company used your report improperly

I received a copy of my credit report and found the following item ( s ) to be in error : Please delete the following mis-reporting or not proven compliant, alleged information found on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not authorize or sign for any of these inquires and by the provisions of the Fair Credit Reporting Act. I demand that these items be investigated and removed from my reports. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the address above. According to the act, there shall be no charge for this updated report. 

Thank you for your time and help in this matter.
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, CREDCO add a hard inquiries on my credit reports per XXXX, XXXX  and XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Complaint sub-issue: Didn't receive enough information to verify debt

On XX/XX/2021 I was served paperwork by a private server that stated the alleged debt for a credit card and the fact they were prepared to take me to court. I responded XX/XX/2021 to the attorney who filed, XXXX and XXXX at the address given to me on the papers served, as well as several letters to XXXX XXXX disputing said debt. Time passes and I do not hear back. I assumed they had dropped the issue due to my dispute and my statement of limited employment due to a XXXX. I was then sent, by mail, papers from XXXX XXXX XXXX in Indiana that since i did not respond nor show up for court a default judgement was ordered. I sent a copy of the dispute letter to both the court and XXXX and XXXX again stating that i did respond and that I was never notified of a court date so I was disputing the judgement. Again, I here from no one. I look up my info on XXXX to get answers and I see it was posted that there were no findings of me telling the truth. Plaintiff stated nothing was received. I sent the prof. and no one can tell or show me how I was notified of a court date. I was completely dismissed. Now the same creditor, different lawyer is trying to do it again with a different debt. I feel since I am so close to the statute of limitations for credit card debt that they are just pushing things through with no regards to my rights or policies.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602A States I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 States a consumer reporting agency can not furnish an account without my written instructions. 
XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unknown Acct XXXX XXXX Bank ( Acct.Number Unknown ) Inquires XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX bank XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Deposits and withdrawals

On XX/XX/2021 I opened a savings account with Citi Bank in response to their solicitation to provide me XXXX Aadvantage miles as long I deposited at least {$XXXX} for XXXX  months. Since XX/XX/2021 I have maintained a balance over {$XXXX} dollars, yet I have not received the XXXX XXXX miles Citi promised me with their offer.