Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

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 Dear Citibank Associates : I have received a letter with your investigation results and I am formally asking for an appeal because I do not agree with your findings. First, I have not been informed of the arbitration details that caused you to deny my request to refund the inappropriate charged amounts to my account. Second, I would like a clear understanding of why the details, documents and information I have provided to you is inadequate to prove that I did not receive items charged to my account and hired other vendors to complete the improvements to my home. Third, I would like to know why even though the information I sent to you was pushed back from the merchant, that you, the company that I have done business with for two decades, has not protected me with your own fraud resources.

I look forward to your responses. 
Respectfully submitted, XXXX XXXX XXXX
Complaint sub-issue: Debt is not yours

XXXX XXXX XXXX attempted to collect a debt that wasn't mine and when they had a debt collector contact me I asked to set up a payment for deletion since it wasn't my account and gave them my card info to do so but instead they tried to remove funds from my account without deleting this from my credit profile when it never even belonged to me. I was strongly mesled by both companies XXXX XXXX XXXX and ERC. This Needs To Be Permanently Removed from my credit reports.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Inquiries Do Not belong to me. have them remove from all 3 credit bureus ASAP FTC report # XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

On XXXX XXXX, XXXX, XXXX XXXX XXXX add a hard inquiriy on my credit report per XXXX  and XXXX. 
On XXXX. XXXX, XXXX, XXXX XXXX XXXX  XXXX add a hard inquiriy on my credit report per XXXX  and XXXX. 
On XXXX XXXX, XXXX, XXXX add a hard inquiriy on my credit report per XXXX.
Complaint sub-issue: Problem accessing account

My account # XXXX was frozen by Citibank in XX/XX/2018. Citibank has NOT mailed the ( last ) XX/XX/2018 statement to my address on record. Why???
Complaint sub-issue: Contacted you after you asked them to stop

I contacted Hunter Warfield about a debt showing on my credit report XX/XX/2021. I explained the situation and the discrepancies. The email I sent was " I do not agree to this collection. I know this is not at fault of Hunter Warfield, but of XXXX XXXX XXXX XXXX. I have already attempted to contact XXXX XXXX on numerous occasions and get nothing but a run around from them. They state they no longer own the account and it is out of their hands. The collection is not really of concern to me as it is not hindering me in anyway, but at the same time I am conflicted because it shows a balance that I owe and I absolutely hate owing anyone. I do not know how to clear this up at this point. I feel like I have exhausted all avenues. I am willing to settle this account for {$1600.00}. Please let me know if that is acceptable. If so please send me correspondence so I can take care of it. If not, please cease and desist all future communication. '' They sent a very generic response, and were unwilling to discuss the issue therefore I requested once again they cease and desist all future communication. 
Today I was contacted by Hunter Warfield XX/XX/2021 at XXXX via email. I did respond and remind them I have requested to cease and desist communication on XX/XX/2021.
Complaint sub-issue: Funds not received from closed account

On XX/XX/XXXX I went into Key Bank at XXXX XXXX XXXX, XXXX, ID XXXX, Phone # XXXX to close our checking account and 2 savings accounts. They gave me 3 cashier 's checks for the total in each account. Account Closed. A couple of months prior my husband and I had applied for a home equity loan from XXXX at Key Bank to purchase property across the street from us. We were approved but the interest rate was higher than we wanted to pay so we went to another bank. Their rate was lower so we went with them. One condition was we needed a checking account with them which is why we closed the accounts with Key Bank. A couple of days after I closed the accounts with Key Bank I went on their website to see about some charges I would need for our taxes and noticed that our Insurance premium came out on the same day I closed the acct. I took them a check to pay for the premium that they had paid. Then a few weeks later my husband ask me about an expense check from work that should have been deposited in our new bank. I looked and all that had been deposited was his pay checks. Then I went on our old Key Banks site and saw where it along with a smaller expense check had been deposited a few weeks earlier. There were other deductions from the acct. that I had no knowledge of along with all kinds of deductions of overdraft fees and Maintenance charges. Totaling {$290.00}. This account was closed on XX/XX/XXXX. My husband called his work and they said the bank account change did not get to the office that entered the expense checks. They apologized and immediately tried to get the money back from Key Bank. Key Bank would not refund the expense money. I went there to get all of it straightened out on XX/XX/XXXX.  They told me to give it another week to be sure nothing else comes through and they would get it all figured out and refund all of the charges that the bank computers had added on. I went back a week later on XX/XX/XXXX. I  got the balance minus all of the charges and fees of {$290.00}. The teller said XXXX, now the branch manager would have to refund those funds and would not be in until the next day. She took mine and my husbands phone # 's for XXXX to call. I waited until after lunch of the XX/XX/XXXXand then called XXXX. That's when she told me that those funds would not be refunded. 
Please help me get these charges and fees refunded to me. Our checking acct. was closed. Two {$25.00} charges were because my husbands paycheck was not auto deposited into that acct. The acct was closed. Other fees were items that went in that they paid on a closed acct. And then charged us overdraft charges. A couple of withdrawals were charges I had reversed as we should have not been charged at all. Key Bank still is keeping the overdraft fees even for those items. The actual charges were deducted from the money they had in the acct. from the expense checks auto deposited to this closed acct.
Complaint sub-issue: Contacted employer after asked not to

Allied Interstate, LLC-representative XXXX XXXX called me while I was at work. This is a new job for me, and has not been listed on any of my student loans or for collections. This representative did not call the main line at XXXX XXXX ; he called the Shared Solutions line for XXXX and asked to the XXXX agent to transfer to me personally. We are a HIPAA entity and have patient sensitive information on our screens all day, but he still called a private line used for XXXX for patients w/ XXXX . He stated that they just received the collection matter from XXXX XXXX XXXX last week on XXXX/XXXX/15 for a debt on a private student loan over {$39000.00}. The rep stated that he had a cell phone number listed and he tried to call it right before calling my work on a HIPAA line ; however after checking my phone records this rep never even tried to call my cell phone ; he just called me at work and not on the main work line, he called on the Shared Solutions/Copaxone line used for patients. He then stated I needed to call him back on my break at XXXX ; so I did twice and the rep never answered and I left 2 messages which were never returned. The rep during the call said, " Why would n't I call you at work you owe over {$39000.00}, and I 'm trying to help you ; I can offer you a deal to get this paid off. '' I have never received any communication via or written from Allied Interstate prior to this call at work. The rep was very rude, and I still do n't know if they actually have this loan in their collection office, and I question that they got the loan in their office on a Sunday XXXX/XXXX/15. My main concern is that Allied Interstate , LLC ( this is where the rep said he worked for ) has had the loan in their office for 1 week, they have n't tried my cell phone if they have no messages were ever left, I 've received no written communication ; the first communication I receive is at my work that the rep called on a private line for Copaxone patients ; also, I was not able to determine if this was a legit company and if they really have the loan in their office to collect on as the rep was vague and rude ; I also returned his call as requested and my call was sent directly to voicemail with XXXX messages never returned. I do not have my current employer phone number listed for any purposes at this time, and not for sure how they even got the XXXX phone number to call me ; which is n't even the employer themselves ( XXXX ) but one of their private patient lines.
Complaint sub-issue: Banking errors

The undersigned complainant, and thousands of other depositors, are the victims of an ongoing fraud perpetrated by Banco Popular North America, an FDIC insured internet bank. 

I opened a savings account in XX/XX/2016 when Banco Popular offered/advertised an interest rate of 1.15 % apy which was competitve at the time. Some months later Banco raised its adverised rate to 1.30 % apy, then 1.40 % and now currently 1.50 % apy. 

Banco Popular misled it's depositors including me to believe we were earning the higher rate of interest on our savings. In fact, my account and those of many others continued to earn the original 1.15 %. Banco Popular advertises only the higher rate ( currently 1.50 % ). It never disclosed that it paid various rates on savings accounts or offered various savings accounts. Banco Popular never disclosed to this and other depositors that to earn the higher rates it would be necessary to open other accounts. Banco Popular made very subtle changes in its savings account products to mislead their depositors. My 'Popular Direct Savings ' was replaced by 'Popular Plus Savings ' and currently 'Popular Direct Exclusive Savings ' in a fraudulent scheme to cheat depositors of interest we were misled earned.
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 these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Threatened arrest/jail if do not pay

multiple harrasing phone calls all day to my place of employment. they threaten my co-workers, telling them that " we are going to suffer the consequences ''. they will not stop calling, even after my manager has told them to stop. i have tried calling them, and they say that they will not stop calling my place of employment until i paid about {$1500.00} via prepaid visa. i 'm scared that they will somehow find my relatives phone numbers, specially my XXXX year old mother 's number and start harrasing them. PLEASE, IS THERE ANYWAY TO STOP THESE PEOPLE. THIS IS NOT RIGHT!!!
Complaint sub-issue: Trouble using the card to spend money in a store or online

My mother in law purchased 6 {$250.00} giftcards for XXXX. In XXXX I went to activate my card and check the balance, {$240.00} or the {$250.00} had been used to make purchases in California. I am located in Utah. 

I called the company that issued the card " Prepaidgiftbalance.com '' and spend 1 hour and 30 minutes on hold. The person I initially talked to " passed '' me to a second person - that took an additional 30 minutes on hold to speak to. So I held for 2 hours. 

This person took my information and promised to send an " arbitration form '' - and that it would be mailed the next day. I did receive the form but the form stated I had 10 days from the date on the letter to file a complaint or my complaint would become invalid. By the time I got the form, I had ONE DAY to send in. I completed the form, faxed and sent by certified mail and I have not recived a replacement card or any correspondence from XXXX. 

Looking on line, there are literally THOUSANDS of complaints against this company for fraud, so many that I am astounded they're still operating. I think US Bank actually is the owner of these cards, and I can not believe US Bank is okay with this. But I guess it's all about how much they make. In this case, US BANK has stolen {$1200.00} of my mother in laws money and made it almost impossible for any kind of recourse. 

My next point is if XXXX is legit, how did ALL 6 of the card my XXXX in XXXX bought all have fraud on them - I'll tell you why. Someone is leaking the card numbers to their friends who work at XXXX and other retail stores. This wasn't some random " your card was compromised '' this is theft. It's THEFT from US BANK and from XXXX.
Complaint sub-issue: Information is not mine

I have several accounts that are not mine that are still reporting on my credit file I have sent copies of my police report and a " notarized '' ftc id theft affidavit I have added a supplemental report from the police department outlining more specific the accounts involved
Complaint sub-issue: Information belongs to someone else

Equifax has refused to properly investigate errors on my credit. I sent Equifax disputes regarding three different alleged collection accounts from XXXX XXXX on XX/XX/2022. Ive also sent in disputes outlining XXXX XXXX XXXX violations as well. In my disputes from XX/XX/2022, I listed an FCRA violation and demanded Equifax remove the account as I have the right to do under the FCRA. The alleged collection accounts are reporting i have a past-due balance with them. How can I have a past-due balance with a company I have no relationship with? Under the Fair Credit Reporting Act, I have a right to a fair and 100 % accurate report and if my credit report isnt accurate, I have a right to demand it be deleted from my credit file. Equifax has deliberately ignored all proof and evidence that Ive sent in regarding these erroneous accounts. I even sent in dispute results from XXXX showing that XXXX removed these accounts because it could not verify these erroneous, alleged collection accounts. Upon checking the disputes results, Equifax not only kept these erroneous accounts on my credit report, it also kept the past-due status on the accounts. Equifax is merely parroting information and not conducting a reasonable investigation. I also have a phone recording of an Equifax representative admitting that the company is using stall tactics to intentionally not investigate my disputes. Again, Equifax has ignored my requests and evidence that these are erroneous accounts. Equifax is guilty of enabling Identity Fraud by keeping these erroneous accounts on my credit file. To further support my statement, Equifax added a new address to my credit report ending XXXX XXXX XXXX I have NEVER resided at that address. Equifax is most certainly guilty of Enabling Identify Fraud!
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2022 I wrote Equifax to investigate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  due to errors on my credit report. Equifax sent me a letter back that the accounts where verified. According to the law they did not do a proper investigation which means the accounts have to deleted and at this point can't be modified. Violations include 15 USC 1681 section 602 A. State I have a right to privacy. 15 USC 1681 section 604 A section ( 2 ) : It also states a consumer reporting agency can not furnish an account without my written instructions. I have additional information or supporting documents that reveal how a proper investigation was supposed to be done by law.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2019 Equifax was mailed a certified letter stating that I wanted to exercise my consumer right under the Fair Credit Reporting Act 611 ( a ), enforce by the FTC, a dispute of the accuracy and completeness of the following creditor information that has been reported to you Equifax, and is currently contained in your credit file : being inaccurate, and harmful, impacting my credit score. I also requested that in any notice of results of investigation provided back to me under this dispute, that Equifax provide to me, under the statutory provisions of FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), a full written " description of the procedure used to determine the accuracy and completeness of the information '' that I have provided. Within 30 days or after I have yet to receive investigative results from my request. Due to Equifax lack of providing a description of the procedure used to verify the accuracy I sent another request under FCRA 611 ( a ) ( 7 ) a 15 day response on XX/XX/2019 again Equifax has failed to provide me with a description of the procedure to verify the accuracy of my previous dispute. It is my belief that Equifax is in violation of FCRA ( a ) ( 7 ) and have been willfully non compliant and have surpassed the statute of limitation on their investigation
Complaint sub-issue: Debt is not yours

I was contacted XX/XX/XXXX by XXXX XXXX with Trinity Everest Associates claiming there is pending action and a lawsuit against me for an unpaid XX/XX/XXXX Visa account and all bank accounts, tax returns and anything tied to my social security number would be frozen. I have no bad debt, and dealt with a fraudulent claim in XX/XX/XXXX regarding the same account number he provided. I told him this, at first he was nice, said he would help. I said I've received nothing by mail. I felt it would be best to avoid giving any personal data that could be used if this was a phishing call, or attempted fraud. He claimed they mailed notice on XXXX to a street address I lived at in XXXX, but coupled with a city I lived in in XXXX, and my current home address. Told him nothing has been received at that address. He asked if it was my current address and I repeated nothing has been received at that address. He demanded to know if it was my home address and I said I didn't intend to verify or provide any information except to prove the debt wasn't mine. He became belligerent, said I had 2 hours to provide a letter to prove that. I stated I was at work and couldn't do that. He asked when I would be home, I said around XXXX XX/XX/XXXX. He asked where I was, I thought to determine time zone. I said I was in XXXX XXXX and he cut me off, became furious, said OH, now you are in XXXX, your account won't be here by then. They will just proceed to sue you. I was flustered, stated I worked in an adjacent state, which I should not have revealed. He said we were done, gave his extension was XXXX and said good luck and hung up on me. I called XXXX Visa and confirmed there was never an account with that number in my name. They have records of the problem in XX/XX/XXXX. I have documentation the XXXX account I did have was paid in full to the company that acquired that debt. They called from XXXX and left call back number of XXXX
Complaint sub-issue: Problem during payment process

On XX/XX/2017 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX  and XXXX XXXX is reporting a bankruptcy on my credit report. XXXX   claims to have verified this information through XXXX XXXX. According to the FCRA, It is a violation to use a third party agency information. Furthermore, I have a certified letter from the BANKRUPTCY court saying they do not Furnisher this information to XXXX  or XXXX XXXX. XXXX  is also reporting inconsistent and inaccurate information about this account on my credit report such as open date, reference number, the name of the court and the closing date, and if this information is coming from XXXX XXXX that means their information is inconsistent and inaccurate as well. XXXX XXXX and XXXX  are both unable to verify this information with the ORIGINAL CREDITOR.  SO what is their METHOD OF VERIFICATION if the ORIGINAL CREDITOR stated they do NOT gove out this information, and why are they reporting inaccurate and inconsistent information on my credit report. I am prepared to file a complaint with my state attorney general, and contact a layer to seek damages from both companies on behalf of the damages they are causing to my credit report.
Complaint sub-issue: Information is not mine

i have numerous times called and called to this company to remove all inquiries from my account that do not belong to me. they have constantly refused to do so and having all of these inaccurate inquiries on my account is hindering me from getting anything worth having. I literally have XXXX credit inquiries on my report and I 've called and called and called and no one is listening and helping me when i 'm telling them that the information is inaccurate and does n't belong to me. their inconsiderate and reporting inaccurately and i need it to stop, i need results and i need something to happen. i do not have time to go through the stage of pursuing a law suit but that will be my next step if these arent removed immediately. 
the only XXXX i should have on my credit report are : XXXX, XXXX, XXXX
Complaint sub-issue: Reporting company used your report improperly

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

Equifax is governed by 15 USC 1681 & my rights have been violated in numerous amounts of way, one of many being most recently with the false credit scores they've admitted to reporting. 15 USC 1681 states : there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness importance & respect for the consumers right to privacy. 15 USC 16981 sec 604 ( a ) sec also states a consumer reporting agency can not furnish an account with out my written permission. These rights as well as a number of many more have been violated by equifax & I demand all accounts reported be deleted & removed from my credit report, I've listed accounts bellow Account : XXXX XXXX XXXX Account : XXXX XXXX Account : Student loans ( dept of edu/XXXX )
Complaint sub-issue: Debt was result of identity theft

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.