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

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXi within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to remove from reporting : XXXXXXXX XXXX-Balance {$970.00} XXXX  XXXX-Balance {$300.00} XXXX XXXXXXXX-Balance {$73.00} XXXX XXXX-Balance {$280.00} XXXX XXXX-Balance {$300.00} XXXX XXXX-Balance {$250.00} XXXX XXXX-Balance {$360.00} XXXX XXXX-Balance {$620.00} XXXX XXXX-Balance {$1100.00} XXXX XXXX {$21000.00} XXXX XXXX-XXXX-Balance {$1200.00} XXXX-Balance {$680.00} XXXXBalance {$230.00} XXXXBalance {$70.00} XXXXBalance {$1900.00} XXXX-Balance {$660.00}
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

XX/XX/2012 I was locked out of XXXX to complete a transaction. After trying to contact XXXX for over 2 hrs. I finally reached someone believed to be an XXXX associate who told me my problem was verifying my credit card. I was then told to go to XXXX and purchase 2 gift cards valued @ {$200.00} each which they showed on my cell phone was transferred into my account. Then told they didn't take after giving them the number of cards and that I needed to go to a different store to purchase others. I continuing asked them about this unusual system XXXX was using to test my card however they convinced me that it would be fine and I would be able to get into the computer soon. Now it ended up being three XXXX cards for {$500.00} ea. same thing showing on my phone the exact amount was transferred into the charge card which had the exact last numbers that I use. Finally when they insisted one more card was needed this went onto Discover for {$500.00} I was worn out arguing with them. The previous transaction was on my XXXX card. Now I contacted the credit cards minutes after I got home and noticed my computer was now unlocked. Both XXXX and Discover were notified ; This people were man and wife and the call was from XXXX XXXX CA. and represented XXXX which to me is fraudulent however because they instructed me to purchase the cards both XXXX and Discover this to be a scam of which even though it was on a credit card will not remove the cost, I am a senior and live on social security and try to supplement by selling little items on line. I always pay any credit off monthly so as not to incur interest, however, this is impossible for me to do at this time, I went into XXXX and explained my situation to no avail and I even asked if they would keep the interest off if I paid it off monthly, answer was no. How cruel can they be as I have been banking with them for at least 4 yrs. and NEVER missed a complete payment. Discover will take the interest off for the first month only however, between the both I'm at a dead end. I gave XXXX complete information. I contacted all of the above within minutes after realizing I had been scammed. You are my final resort for help. No one can realize what a burden this has put on a senior who just wanted to supplement her income. I did nothing but believe crooks who found and knew everything about my address, banking, etc. Everything had to be deleted and new cards issued, Horrible lesson to learn in times like these when prices of everything is on the rise. PLEASE HELP ME!!!
Complaint sub-issue: Account status incorrect

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters with regards to my request of removing the item in question and my last request was sent XX/XX/2021. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report : XXXX XXXX XXXX {$0.00}
Complaint sub-issue: Reporting company used your report improperly

To remove personal information that I dont want want on my credit report. According to the fair credit reporting act 15 usc 1681, I have the right yo privacy, also according to 15 USC 6802, no ganancial institution isnt suppose to share my information to third party companies. 

This are a violation of my federally protected consumer rights.
Complaint sub-issue: Information belongs to someone else

The accounts listed here do not belong to me it has been over 120 days and no resolution has been made. This is supporting fraud. I demand that they be removed now because it is stopping me from obtaining gainful employment. If the credit bureaus do not remove these items I will file a lawsuit. Fraudulent accounts are as follows : XXXX XXXX XXXX, XXXX XXXX, {$13000.00} ; XXXX XXXX XXXX, XXXX XXXX {$93.00}.
Complaint sub-issue: Information belongs to someone else

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize, nor consent to any of these inquiries to be taken out in my name. Im unaware of any of this. All is being investigated by the FTC. Pursuant to the FCRA 15 USC 1692c-2 ( a ) they have 4 business days to block information. I have supplied my identity theft report, ID, statement, and proof of identity. A police report is not needed under this subchapter. Also pursuant to FCRA 15 USC 1681c-2 ( b ) ( c ) you the authority to decline or rescind but the information I sent was not blocked in error so the information can't be blocked. I have listed the items on the document attached.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I had a " soft pull '' of my credit done by a lender that I am considering for a mortgage. Upon reviewing the copy of my credit report I noted an issue noted by two of the major credit reporting agencies. The reports state that one of the " Key Factors that adversely affected my credit score '' is that there have been " Too many inquiries in last 12 months. '' Who is pulling my credit to cause this? I have not applied for credit cards, cars, etc. I am very concerned about identity theft as a result in addition to being miffed about my credit scores being affected. 
Please advise.
Complaint sub-issue: Account status incorrect

I have XXXX chargeoff on my report The lender must file Form XXXX and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in chapter 1. The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information.

You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report.
Complaint sub-issue: Information belongs to someone else

I am writing to dispute a fraudulent charge on my account of {$2000.00}, {$5000.00}, {$9000.00}, {$7500.00}, {$4500.00}, {$17000.00}, {$4100.00}, {$590.00}, {$3000.00}, {$2000.00}, {$15000.00}, {$860.00}, {$3300.00}, {$7600.00}, {$4400.00}, {$20000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4500.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$17000.00} -This is not my account. 

7. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4100.00} -This is not my account. 

8. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$590.00} -This is not my account. 

9. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 


- COLLECTIONS - 10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account. 

11. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

12. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$860.00} -This is not my account. 

13. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3300.00} -This is not my account. 

14. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7600.00} -This is not my account. 

15. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4400.00} -This is not my account. 

16. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$20000.00} -This is not my account.
Complaint sub-issue: Their investigation did not fix an error on your report

The credit bureaus are illegally reporting inaccurate information on my credit report.
Complaint sub-issue: Funds not handled or disbursed as instructed

Citibank was running a promotion for their various Savings accounts, where a new account would receive a {$400.00} bonus after depositing {$15000.00} in a new account within 15 days of account creation, and maintaining that balance for 60 days. 

I signed up for the account using a direct link on their website on XX/XX/19, deposited {$15000.00} on XX/XX/19, within their 15 day day window, and account has remained above the minimum {$15000.00} balance for the past 90 days. 

I've spoken with Customer Service, and they are having " internal difficulties '' finding the registration code on my account, even though I spoke to a representative a week after funding my account and they noted that all requirements had been completed, but would have to wait the stated 60 days before receiving the bonus.
Complaint sub-issue: Loan sold or transferred to another company

Mechanics Bank my auto lender is in violation of California Civil Code 2983.2 for failure to provide the required 60-day notice to me prior to disposing of my car. Mechanics Bank provided zero notice to me.
Complaint sub-issue: Received bad information about your loan

I had a Perkins loan through XXXX XXXX University that I was paying through the loan servicer, XXXX, along with some other student loans. I graduated in XXXX and began paying on these about 6 months after that. In XXXX, my loans from XXXX were transferred to a different servicer, XXXX, and I then continued paying them. 
Recently, I received a full credit report from XXXX  and was made aware that this Perkins loan was in default, dating back to XXXX when my loans were transferred from XXXX. After contacting XXXX XXXX University on XX/XX/XXXX about this I was made aware that this Perkins loan was actually transferred to a loan servicer, UNISA, and not to XXXX with my other loans. 
However I was never contacted by UNISA or XXXX XXXX to be made aware of this change in servicer. Therefore I had no information to make payments and I believed I had been paying this Perkins loan through XXXX along with my other loans that were previously with XXXX. Once I found out this information I immediately paid this Perkins loan off in full on XX/XX/XXXX so that it was no longer in default.
Complaint sub-issue: Other problem getting your report or credit score

I subscribe to XXXX  for credit monitoring, their scores and accounts are in line with XXXX, however, Equifax is nowhere near the other repositories, in addition, Equifax was not reporting any account for my credit for over one year, not one account. 

When I asked about the large disparity in reporting, I was told I could buy a copy for {$10.00} which I found ludacris when I asked about the scoring method the response was we can't give that information out. I have reviewed the scoring policy of all three repositories although slightly different there is a common theme.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I, XXXX XXXX, consumer and natural person, am a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand that a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer pursuant to 15 USC 1681b ( c ) ( 3 ). Pursuant to 15 USC 1681c-2 ( c ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized.
Complaint sub-issue: Problem with customer service

I am enrolled on the route to public service loan forgiveness through XXXX XXXX XXXX. When I initially enrolled I had 63 payments counted from my 5 years of employment for 2 separate XXXX. I am absolutely certain my employers qualified as I was a XXXX XXXX  employee. I am also absolutely certain my payments were under PSLF qualifying repayments using income based repayment.

I was placed under " audit '' around XX/XX/2017to verify my payments. I have called numerous times over the past year and they keep telling me that the audit takes more time and they have no further information.

This is unreasonable service to take so long to simply count my payments and not provide any further guidance.
Complaint sub-issue: Was not notified of investigation status or results

This account is transferred/sold. There should be no late payments on this account.
Complaint sub-issue: Reporting company used your report improperly

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

15 U.S.C 1681 Section 602 A States I have 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: Their investigation did not fix an error on your report

I disputed a collection with Equifax several times in the past year. The collection agency is XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, DE. XXXX I have disputed this debt with Equifax several times in the last few years. Every times it comes back as verified by Equifax. I have contacted the collection agency several time over the past few years as well, every time they say that they have not received the validation or verification of their debt from the original creditor , XXXX XXXX. I contacted the original creditor and they have stated that they have no information regarding this debt and are not able to produce the necessary paperwork. 

I have informed Both Equifax and XXXX XXXX XXXX That if this information is not able to be verified by the collection agency and the credit bureaus that it should be deleted from my account and that if it is to be verified and validated that I would be willing to take take of the matter ASAP. 

This negative information is hurting my credit worthiness and I have been trying to resolve this issue for to long of a period for it to not have been verified, validated, and resolved.
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 accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : XXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX
Complaint sub-issue: Problem with fees

XX/XX/2020 charged {$29.00} late fee after a representative advised me the company was not charging late fees during the Covid-19 Pandemic. They were also aware I lost my job due to the Covid-19 Pandemic.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/XXXX, my credit report was pulled by Discover Financial Ser and this was not by my consent. 
I would never try to apply for any Discover services and I have never been interested in doing so. 
This caused my credit score to drop since it was a hard inquiry. I have tried numerous times to get in touch with this company, with no outcome. 
I am not sure as to why Discover is on my credit. My parents had an account with them before they passed away and I did have the same home address as them. So I believe this company ILLEGALLY pulled my credit, since I would NEVER even consider them to have credit with. 
I need this taken off of my credit report. 
-- -- XXXX XXXX has pulled my credit so many different times and I have contacted them with letting them know I have never put in for a loan from them and to take it off of my credit report, with no help from them.
Complaint sub-issue: Problem using a debit or ATM card

reference case XXXX for dates. Attached is cash apps first response to me along with my notes within it it pointing out that they are full of XXXX. What follows is a demand for the federal government to step up protect its people from things like this. Cash app is going to be held accountable for their theft from Americans. And the CFPB will be held accountable if they ignore it. It may seem like a small in itself but this is the tip the iceberg. Cash app and many other institutions are intentionally violating federal laws and stealing millions of dollars from Americans and the government. 


To whom it may concern, Cash app is and has flat out refused to follow federal regulations as they relate to regulation e and disputes for unauthorized transactions. Which in this case was the theft of money fro my account. 

They are required by LAW to cover funds that are stolen from my account provided i do what I am required to do as a consumer. 

1. I reported it the day found out this money was missing. Not a day later. Even though the dates of the transactions are a couple weeks from when I found out about it. Still within 60 days for sure. 

2. I informed you in writing, over the phone and through your app. All recorded by me via audio recording of my phone calls to you. Screen recordings of my interactions with you which are in the high hundreds. And receipts of the certified letters I mailed to you. All of which explained that these were unauthorized transactions. And i had zero knowledge of the transactions. 

According to federal regulations I have zero liability for these transactions based on these facts. Not only federal law but XXXX 's very own policy, XXXXXXXX XXXX policy and CashApps own policy. 

Cash app is 100 % knowingly denying disputes and they are committing felonies in the processes of doing so. Not only that that but they are contributing to the financial oppression of vast amount of Americans but also willfully participating in American rights violations by doing this. 

I demand that cashapp be thoroughly investigating for doing this on a missive scale, When it is found that they are doing this you will also find that they are submitting claims for these disputes and collecting money from the federal government as if they had done their part when they have not. Which would make them guilty of defrauding the federal government. 

Not only that but i happen to know for a fact that they are charging consumer fees for something tht does not exist. They are charging people fees for the expedited delivery of XXXX  which they do not have any control over on top of the transaction fee they charge. Not only that but they are collecting the money for these fees on the back-end after the transactions have been made so they avoid the taxes from their stolen money. All you have to do is look. I know the CFPB isn't going to do anything but I know you will get to the people that will. 
Not only are you stealing from the American people but you are stealing from the American Government and for that you will surely pay. 

Thanks again CashApp, XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Numerous credit card denials on my credit report in which credit karma stated that I had good approval odds.