Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

15 UCS 1681 SECTION 602 states, I XXXX XXXX, have a basic right of citizenship secured by the Privileges and Immunities Clause of the Fourteenth Amendment to the United States Constitution and she is a protected member of the XXXX XXXX and XXXX XXXX, who enjoys the status of being a freeman, which implies that her non-trivial and protected liberty interests and rights which she has a legitimate claim of entitlement to are recognized, therefore, she retains, invokes and demands enforcement of her federal and statutory constitutional rights ), particularly her Right to Privacy, Right to Due Process and Right to Equal Protection of the Law. She alleges that each and every entity, company, corporation, organization or establishment listed on her credit report have XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXd, and violated her Right to Privacy ( the Constitution of the State of Florida, Article 1 Section 23 ) which is protected in the Fourth Amendment to the United States Constitution, the Right to Due Process ( the Constitution of the State of Florida, Article 1 Section 9 ) and the Right to Equal Protection of the Law ( the Constitution of the State of Florida, Article 1 Section 2 ) and they're both protected in the Fourteenth Amendment to the United States Constitution as well as vested and protected non-trivial liberty interests in freedom from bodily injury ( including shock, fright, mental anguish, and humiliation which were clearly established or securely set and easily recognizable at the time of the incidents that any reasonably objective person of ordinary prudence, care, and caution would have known.

15 USC 1681 Section 606 A Section 2 states, " A consumer reporting agency can not furnish an account without my written instructions '', and I have never willingly, knowingly, and voluntarily provided any entity, company, corporation, organization or establishment with the required or necessary documentation giving any kind of instruction or contains my authorization and approval.

Furthermore, for accounts pertaining to credit cards 15 USC 1666B states, " A Creditor may not treat a credit card account under an opened consumer credit plan as late for that purpose. ''
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

XX/XX/2022 {$140.00} was withdrawn at a XXXX  gas station merchant name XXXX  XXXX  I was not immediately aware of the transaction as the cash app notifications and other technical issues did not notify me of a transaction as they were required to since I have my account set up that way. I contacted cash app support and let them know of the transaction in order to have it disputed and investigated contact the merchant as well the merchant told me that I need to contact my financial institution I did so they after about 7 Days responded and said that there was no error found can I request it to see the evidence they use to come with the conclusion and there was none besides for the date amount and where the transaction happened at there's video footage of in the individual who used my card and took the money off my card so they told me that they are not going to do any further action and there would be no nothing that getting my money back they refused to investigate refused to provide any additional information other than what they used to come up with their decision which I received a screenshot of which is only showing the transaction that I can see that I reported to them and told me that there would be no further review my claim wouldn't get any further action investigation and that they wouldn't provide any additional assistance to it dispute # XXXX
Complaint sub-issue: Other problem

I called XXXX  Credit Card customer support on XX/XX/2018 to request a new card. We gained agreement on this resolution. 

At one point I had to speak with the Security Operations team  because I previously called in to put a voluntary freeze on the account. The customer service representative mentioned a " new account '' and I was alarmed. We gained agreement this process was about me getting a card rather than a new account. I wanted to use my existing account that was a good-standing, XXXX balance account on my credit statement I wanted to use and make sure it did not close. 

Full agreement was gained on the call I'd have a new card. 
Instead, the account was closed in error. 
I received a notice that was totally unrelated to the call asking for a new card on an account that has no balance or purchase disputes. The notice said, " We have completed our investigation regarding your claim of unauthorized use. Unfortunately, based on our review, we have determined that you are responsible for the charges in question. '' This was unrelated to my request for a new card. This was also unrelated to the erroneous closure of my account, which was never agreed to. I specified that I wanted the card to make sure I could still use and enjoy my card. 

This mistake needs to be corrected. Calls to XXXX have resulted in requests for me to call back again and speak with a different department. I need the issue resolved. It has resulted in tangible negative impacts and risk to my credit, and thus my finances. 

Thank you.
Complaint sub-issue: Information belongs to someone else

The following companies have reported unauthorized inquiries on my consumer report without my knowledge. These inquiries are : XXXX XXXX XXXX XXXX XXXX  ) - XX/XX/XXXX EQUIFAX MORTGAGE SOLUTIONS ( MISCELLANEOUS ) - XX/XX/XXXX XXXX XXXX XXXX  ) - XX/XX/XXXX XXXX XXXX XXXX XXXX ( FINANCE ) - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX
Complaint sub-issue: Indicated you were committing crime by not paying debt

So my credit balance shown on my credit report is, and always has been {$1700.00}. But when I requested info to pay, I am told the balance is over {$2300.00}. Where is this extra {$500.00} for? 
Found out the extra amount is for fees, etc. Something that they just add without telling you til you're ready to settle. Apparantly if I return the product ( which I dont have, or access to ) is returned it may be reduced by {$260.00}. So just spoke with XXXX, and he wants me to change/delete this review. Now he was rude, and demanding. And is now unwilling to settle for anything less than the $ XXXX So, sure I will edit it. You're name is added, and more info for you. Too bad I can't give a big ZERO.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX the below accounts, 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 Sec. 1681a. Definitions ; rules of construction ( e ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's 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. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Untitled { XXXX } XXXX XXXX. XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX
Complaint sub-issue: Frequent or repeated calls

I have had to change my number twice due to obsessive calls starting from 6 am to 10 pm at night. Multiple XXXX numbers and now numbers very similar to my own call all day. Theyve identified themselves as Hunter Warfield Inc. 
My name is XXXX XXXX.
Complaint sub-issue: Investigation took more than 30 days

sent police report and ftc XXXX 's {$5.00} XXXX settlement with the Federal Trade Commission this ... But the commission also said XXXX violated the 2011 order by ... 

XXXX  It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely XXXX would sue you for a debt you may not owe or they can not validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. 

ncua with XXXX XXXX XXXX XXXX NCUA Recovers {$400.00} XXXX from XXXX XXXX As NCUA continues its efforts, we will strive to provide complete, easy-to-access information about the settlements, legal fees, and related costs of litigation. 


XXXX XXXX XXXXhowever, take out a payday loan from a company called XXXX XXXX, who ... I have made complaints to the FCC, attorney general, the donotcall.gov and XXXX. ... Just received a call from XXXX claiming I owed money from a ... I was told that if I agree to make three payments to settle the debt they ...
Complaint sub-issue: Trouble with how payments are being handled

On XX/XX/2018, I went on my online Nelnet account to check up on my student loans and the interest that is accruing on them. I am on a REPAY plan and I frequently check the amounts and pay the interest amount at least once per year in order to stop the interest from becoming capitalized. I noticed that some of my loans had listed that some interest had capitalized. I called Nelnet the same day I noticed the capitalized interest listed to find out when and why it had happened. I was told that interest capitalizes when payment plans change but had to repeatedly ask for when the interest was capitalized. I was incorrectly told that in XXXX my loan payment was changed to REPAY ; it was, in fact, not changed it was renewed and as stated in the renewal application would not cause capitalization of unpaid interest. After asking a number of times I was then told that interest capitalization had occurred when my student loans exited the six month grace period after graduation. I had made a payment before the end of the grace period in order to avoid capitalization and mentioned that to the customer service representative. I asked for how my payment was allocated to the loans and was told that some of the payment was allocated to interest then principle balances and some of the payment was allocated to principle balances despite the fact that the payment was sufficient to cover the interest of all of the loans. I asked why that had happened and waited a significant amount of time on hold to be told that it was, in fact, mis-allocated and the payment should have gone to all interest before paying any principle balances. I was told that I can reallocate this payment to cover the interest but because the mis-allocation had taken place close to a year and a half ago that all payments would then be affected and my loans could become delinquent. I am worried this is could be intentional to cause capitalization of interest.
Complaint sub-issue: Reporting company used your report improperly

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX CALIFORNIA XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX ) XXXX, and XXXX XXXX XXXX, XXXX  ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX have 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 an account without my written instructions.
Complaint sub-issue: Banking errors

I received an offer from Commerce Bank in XX/XX/2022 ( Promo code XXXX ) to open a checking account with minimum of {$2500.00}, use card 10 times, auto deposit set up and receive {$700.00} bonus on XX/XX/2022. 
I opened my account in XX/XX/2022 with {$5000.00}. I set up auto pay, used the card and met all of the fine print requirements. However, on XX/XX/2022, I did not receive my {$700.00} bonus as promised. I contacted the XXXX XXXX branch and was told that there was a glitch due to the holiday weekend ( XXXX of XXXX ) but that my bonus would be deposited in the next 5-7 days. Those 7 days came and went, still no bonus received. I again contacted XXXX XXXX branch supervisor and he said it would be deposited in 3-5 days to be patient. Those days came and went, still no deposit. Last week I went in person to the XXXX location and spoke to XXXX, she assured me that there was a form she needed to fill out and that I would receive my money with 7 days. She gave me the confirmation page that she submitted the form and her business card to make sure I had a direct contact since I had so many issues getting ahold of anyone previously. However, those 3 days later, I receive a voicemail from XXXX saying that she needed proof I was on Commerce mailing list and needed a picture or original flyer sent to me. I sent her a picture of the offer with the promo code via email and then she said she needed the original document with my name on it to prove it was sent to me and then refused to respond to any further emails. I again went down to the XXXX branch today and this time spoke to XXXX, she stated that unfortunately without the original flyer ( which was sent to me 6 months ago ) that the decision has been made and I will not be receiving the {$700.00} bonus. I feel that if the original flyer is required then it should be requested at time the account is open, not 6 months later, after the bank has held my money for the entire time. If only the people on the mailing list are eligible for this promotion, then perhaps the account should not have been allowed to be opened with that promo code to begin with. If i'm not on the mailing list, why did I receive the mailer? and why didnt the other 5 employees see that I wasnt on the mailing list and why did they tell me that I would be receiving the bonus is 3-5, or 5-7 days etc?
Complaint sub-issue: Their investigation did not fix an error on your report

I am a victim of identity theft. Discover has an outstanding balance amounting to XXXX that does not belong to me. Contacted Discover many times and filed a police report XX/XX/XXXX. I have also disputed with the XXXX credit bureaus via certified mail on XX/XX/XXXX advising of my identity being stolen. XX/XX/XXXX I sent a follow up dispute and even with all proof I sent regarding my identity being stolen, still no resolution. I have called the credit bureaus and Discover practically every month and still no one has been able to help
Complaint sub-issue: Was not notified of investigation status or results

Creditor Name XXXX XXXX XXXX XXXX  Date opened XX/XX/2016 15 U.S. Code 1666 - Correction of Billing Errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit that was not made to the obligor or, if made, was not in the amount reflected on such a statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement of a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Complaint sub-issue: Account status incorrect

There is 2 CONNS accounts that are showing on my credit report as paid and charged off and still reporting each month as a charge off and dropping my credit score monthly. These were included in a Bankruptcy that was done in XXXX. I spoke with a rep in XX/XX/XXXX and XX/XX/XXXX. I was told that the information would be updated and fixed. These have yet to be updated.
Complaint sub-issue: Information belongs to someone else

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortionXXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$19000.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX
Complaint sub-issue: Account status incorrect

I contacted the XXXX XXXX XXXX to inform that the information that they are reporting to the credit bureau is incorrect and I was told that the information would be updated to show the correct information and it has yet to be corrected. I contacted XXXX on XX/XX/2018 and it is now 90 days since i have spoken to they. This has really affected my credit in a negative way and I am looking for a resolution to this problem.
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Complaint sub-issue: Received bad information about your loan

I never entered into any credit transaction with fed loan per saint 15 USC 1692 Which states its not illegal to sale a account but it is a violation to sale my personal information and it is also a violation per saint 15 USC 1692e 807 false or misleading representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer violation so they are civil liable for damages for willful noncompliance per saint 15 usc 1692k
Complaint sub-issue: Company closed your account

I filed a complaint in XXXX of this year, I was told I would receive the bonus check that Citi bank owed me. 
Until today I received Nothing!
Complaint sub-issue: Account status incorrect

I was enrolled in the Covid-relief program with my credit card provider Discover and the program ended, I was not fully back at work and would like my payments not reflecting late or delinquent on my credit report based on the The Recovery plan. I would like my credit report to reflect that I was on the covid relief program with this company. I called to ask them for a goodwill gesture to remove the negative reporting due to Covid and not being able to work they denied the gesture and letter stating the information reported is not invalid, I do understand that I am asking the account if not removed show up on my credit report as late due to covid. I am in the market of XXXX XXXX  and it is important for me to have good credit to obtain loans to work to pay bills. I do not understand why this creditors refused to report my credit under the recovery act as late due to Covid Pandemic. I ask that this account be removed as late and under the American Rescue Plan Act. Discover is billion- dollar company that I would hope honors their clients who have suffered so much loss during the pandemic but they would not help me and I need the help to continue working.
Complaint sub-issue: Overdrafts and overdraft fees

Overdraft fee occurred while my account was in positive standing. Generally, when my account goes into negative, I can see it that day and bring it to a positive standing in the same day IF the deposits are made before XXXX. This time, my account was in the positive on XX/XX/XXXX, but an overdraft fee was applied to my account on XX/XX/XXXX.
Complaint sub-issue: Can't decrease my monthly payments

I graduated from law school at the XXXX in XXXX, after finishing XXXX at the XXXX in XXXX. During my time at both of these schools, I had to take out private student loans in order to cover my cost of living, books, food, etc. Now, I am facing upwards of $ XXXX in private student loans. I have another $ XXXX or so in federal loans as well, but these are not the problem. My experience with the private loan companies has been XXXX. They are very rigid on your options for forbearance and deferment. They allow of short term and long term hardship options, but they are always in tandem with super strict requirements that you are unlikely to meet. I pay roughly {$1200.00} a month in student loans currently. My hardest payments being to the private loan servicers. I simply can not afford to keep making these payments and the companies will not work with me in any way to get the monthly payment more manageable. I also have a cosigner, but she 's my mom and honestly can not afford to be making these payments either. I 've been considering bankruptcy as an option, but I do n't want to force my parents into bankruptcy. I 've also been considering just defaulting on the loans with the hope that maybe they will be more willing to negotiate once I stop making payments or we are in court. I really do n't know what to do, but I feel stuck and suffocated by this debt.
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 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.