Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with fees

Discover Card has been charging me a fee labelled as " Discover Payment Protection Fee '' that I Never Authorized. I can only review the past two years of statements online, but I suspect it goes back much further because I have never been able to get the balance down. 
In XX/XX/XXXX the Fee was at {$34.00}. It has gradually increased. As of XX/XX/XXXX it  was in the amount of {$89.00}. The full amount charged between these two dates comes to {$1300.00}. I do not know how much was accrued before then. 
I have brought this to their attention. They sent complicated instructions on how to change my account settings, but I was unable to do so. But, even if I was able to removed the future charges, it still did not offer a solution for all the money lost.
Complaint sub-issue: Delay in processing application

I rang Cititbank to activate the new credit cards they sent.

I was in tears after being transferred 4 times in an hour, and despite providing all my personal information I still could not be given access because of one forgotten security question. It seems questionable that in spite of all the information I gave that it all hinged on one question which was unrelated to anything of real meaning.

Other simple methods like texting the contact mobile numbers did not work, and even though I only wanted to activate a new card, we are considering closing the account after the hour of torture and their inability to run an effective service.

Even more ridiculous, is that one of the representatives tried to use a marketing incentive to gain a gift card, when I needed a resolution to a simple and commonplace problem.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX has closed my checking account due to fraud ; therefore, I did not benefit from the loan deposit. My XXXX  XXXX account was compromised and overdrawn due to identity theft. ( Account Ending XXXX ) XXXX XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/2022 and a balance of {$4500.00}. 

XXXX XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/2022 and a balance of {$2000.00}. 

I am a victim of identity theft and I never opened these accounts Please see the included FTC Identity Theft Report
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have view my credit report and I see there are inquiries that I are unknown of. And I want them off my credit report. These inquiries are on Equifax and I dont know why they are on there. 
Existing inquiries : 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 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: Account information incorrect

I, XXXXXXXX XXXX XXXXXXXX, consumer, and natural person, I am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). 

CITI CARD CBNA you have continually furnished a misleading, incorrect information to the credit reporting agencies this has violated my federally protected consumer rights to fair and accurate credit reporting under 15 U.S.Code 1681 ( a ) ( 1 ). 

Further to the above violation CITI CARD CBNA you are reporting a PAID account as Collection/Charge-off and from the definition of a Charge off account ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge-off is To treat ( an account receivable ) as a loss or expense because payment is unlikely ; to treat as a bad debt. Furthermore from same Dictionary ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX a Bad Debt is an uncollectible, debt and that may be deductible for tax purposes.

This is a notice to CEASE and DESIST. This is misleading and it is affecting my ability to get approved for loan, Mortgage and Credit Card to better my life and family life. It has made me XXXX. 

As the consumer and natural person, I am invoking specified remedy and make the following demands : Cease and desist furnishing/reporting to all consumer reporting agencies of the charge-off account that you have already profited from by using as Tax Credit.

Remove reporting of the charge-off account from all consumer reporting agencies.

Provide acknowledgment of this official notification. Do not report ANY information bearing my identification again.

Ignoring this Cease and Desist will be evidence that the infringements were willing, deceptive, and in violation of the FCRA.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 XXXXXX/XX/XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I had Noticed an unauthorized inquiries from Credco on XX/XX/XXXX and XX/XX/XXXX and XXXX XXXX XXXX on XX/XX/XXXX
Complaint sub-issue: Other problem

AFTER EVERY PAYMENT MADE, CITI CREDIT CARD LOWERS THE CREDIT LIMIT SO THE CARD IS ALWAYS SHOWING AS MAXED OUT. RECENTLY MADE A PAYMENT OF {$500.00} WHICH WAS 1/3 OF THE TOTAL BALANCE TO HAVE THEM AGAIN LOWER THE CREDIT LIMIT SO THE CARD IS AGAIN SHOWING AS MAXED AND IS REFLECTING NEGITIVILY ON MY CREDIT REPORT AS A RESULT
Complaint sub-issue: Was not notified of investigation status or results

I SENT IN LETTERS BUT GOT NO RESPONSE ON THE FOLLOWING : I HAVE INQUIRIES THAT I DID NOT AUTHORIZED I HAVE LATE PAYMENTS THAT ARE NOT CORRECT I HAVE ACCOUNTS THAT SAY CHARGE OFF WHICH IS NOT TRUE I HAVE COLLECTION ACCOUNTS THAT I DO NOT BELONG TO ME
Complaint sub-issue: Deposits and withdrawals

I have been a customer of Citibank for 15 years. The last few weeks have been a nightmare which has been affecting me and bringing up high stress level. On XXXX/XXXX/XXXX, My checking account was taken {$320.00} from my account without my consent by Citibank. I have been dealing with this matter since XXXX XXXX. Since, I ended up closing my account due to their inability to make stop payments from a company who i do not deal with anymore. Due to closing one account and opening a new checking account. According to Citibank, i was giving a credit by mistake which was my money from the beginning. I do not enjoy switching financial branches. Therefore, I ask you to help me with this matter.
Complaint sub-issue: Information belongs to someone else

I never ever had an account with the account associated with Jefferson Capital. I believe that they were sold a collection account that I had nothing to do with.
Complaint sub-issue: Frequent or repeated calls

Allied Interstate, XXXX has called constantly for the past several days. it is not even XXXX pm today and has called me 5 times with no messages.
Complaint sub-issue: Their investigation did not fix an error on your report

I filed 2 disputes on XXXX XXXX a debt collector reporting to Equifax in XX/XX/XXXX both came back as allegedly mine. I left it alone infrustration. XX/XX/XXXX I made contact and requested updated report from Equifax on XX/XX/XXXX. Recieved the report and called with a list of inaccurate information including XXXX XXXX {$320.00}. I called on XX/XX/XXXX to confirm seen changes and the dispute under investigation. In XX/XX/XXXX I became homeless and inneed of credit for housing which was denied based on the XXXX account. I've made several attempts calling every agency involved at this still remains on my report. XXXX & Equifax would not provide disclosure statement that my rights give me permission to. XX/XX/XXXX most recent report does not disclose the information being used against me with XXXX. They advised they would have to make contact with the original debter ( XXXX ) who sold the debt to these agencies. Equifax will not ackowledge the law & remove it based on the lack of information and several attempts to fix this matter even after providing Ftc report & letters from your department XX/XX/XXXX they say they have no recollection of your forwarded complaint from me. I have a response that contradicts the facts they alledge.
Complaint sub-issue: Non-sufficient funds and associated fees

I traveled to California to visit family the last week of XXXX. I was at my neighbor 's house for XXXX of XXXX and received an email saying that my account was low and that my transaction was sent. When I opened up my account to find out I had only {$13.00} in there. It showed that payments went through XXXX and one through XXXX. {$500.00}. {$600.00}. {$180.00}. {$500.00}. {$200.00}. And {$400.00}. Those were unauthorized transactions. 
I then called the fraud department and filed my report with them, she asked me about the XXXX {$200.00}. deposits that where put into my account from XXXX XXXX XXXX I was not working at that time so I had nothing to deposit. I did tell her that and that I didn't authorize any of those transactions and that I did not deposit any checks. 
She said my report was now filed and that my mobile banking was on hold and would only receive direct deposits and that I would hear from them within 7-10 business days.

I called them around the 7 day mark to get an update on my report and they said it was still under investigation. I did receive copies of those two deposits in the mail, but because they were fraud I did not deposit them. I took them into my local branch and they disposed of them. I did call the fraud department again on XX/XX/22 to let them know they sent me those checks and that it was not my money, he said that he would fix that and put it into the report. 
On XX/XX/22 I received letters in the mail stating that they denied my claims. I called them to find out why and she said that the report had no notes in it other then the two deposits. She asked if I told the whole story to the other person I had spoken to and I said yes, but they never added it into the report. She told me that because it went through XXXX, through the app that they said I authorized it. I told her that they were all unauthorized transactions and she said I can dispute the denial and try it again but it's going to be a very slim chance that I'll get anything back.
Complaint sub-issue: Information belongs to someone else

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2019, XXXX XXXX  XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, CITI CARDS CBNA add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
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: Credit inquiries on your report that you don't recognize

Removing hard inquiries from my credit
Complaint sub-issue: Was not notified of investigation status or results

My name is XXXX XXXX and I am filing this complaint against Equifax for violating my rights under the Fair Credit Reporting Act. During a reinvestigation, pursuant to 15 U.S.C. 1681i ( 7 ) of the FCRA, I was supposed to receive a description of the procedure used to determine the accuracy and completeness of the information on my credit file from Equifax no later than 15 days after receiving my request for that description. I requested a description of the procedures used to determine the accuracy and completeness of the information reporting to my file through CFPB complaint numbers XXXX, XXXX, XXXX and by certified mail # XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. It is now XX/XX/XXXX, and I have not received anything from Equifax regarding this matter. It is my belief that no such records exist and my right to privacy has been violated for profit. My financial reputation is being ruined due to Equifaxs blatant disregard for federal law. It is my belief that Equifax feels comfortable committing blatant violations of the FCRA because they know the CFPB wont enforce the laws set forth by congress as shown time and time again. Equifax has caused me sleepless nights, stress, XXXX and XXXX due to its profits over the law mentality. Pursuant to 15 U.S.C. 1681i ( 5 ) ( A ) If after any reinvestigation any information disputed by a consumer is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have been trying to dispute inquiries that have been on my report that I didn't authorize or don't recall. I have been asking for proof and I haven't received a response. 

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 Equifax 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 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: Their investigation did not fix an error on your report

I have NOT received any confirmation or factual information on how you have verified the alleged account attached in Exhibit C. Therefore I request that you consider this a final notice to your offices. Beyond this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting XXXX  ( copied from the affidavit attached ) XXXX
Complaint sub-issue: Fee problem

Hello good morning I called us bank yesterday and explained my situation and family emergency to a wonderful guy whos name I forgotten but he was very nice as I spoke to him I explained that my grandmother had a recently XXXX as she was detected a XXXX   and some problems with her XXXX as a lot of things got complicated with her health. And that is the reason why I cant pay the overdraft fee that they charge me and that now my account is negative the gentle man was really nice and he said that unfortunately he couldnt help me out or proceed with any wave payment because the overdraft fee was still pending and could not allowed him to move forward and ask me kindly to call back the next day or 2 days after so that once the overdraft had completed posting I could call back and ask anybody else to help me. He would have done it him self if the overdraft fee was not pending still he understood my concern and most likely he would have waved he fee for me as he understood my situation and hat I could not afford to pay the overdraft fee and that I also never thought that he charity I gave to Church was going to be process with the check as soon as onlybone day wen it usually takes 3 days for a check to clear out
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. 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 creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX-XXXX-Balance {$0.00} XXXX  XXXX-XXXX-Balance {$0.00}
Complaint sub-issue: Other problem getting your report or credit score

I have reached out to First progress multiple times requesting a XXXX balance letter to be mailed, faxed, and emailed. I have paid the account off in full before it has reached collections and have applied for a home loan and this would greatly impact my score if I could get what I requested. All agents I have spoken with have given me a run around and delayed precious valuable time.
Complaint sub-issue: Attempted to collect wrong amount

I called Best Buy XX/XX/2019. I told them I wanted to pay off my balance and settle my account so it could be erased from my credit report. I also tried calling them 2 weeks before and talked to another representative and they told me that I could not make a payment or make a settlement offer they said that my account was in statue of limitation. I am needing to pay that off and try to get this settled so that it does not show on my credit report since I am trying to buy a house. I hope you all can help me with this company. I love Best Buy I just wish they would be helpful
Complaint sub-issue: Reporting company used your report improperly

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


EQUIFAX PUBLIC RECORDS : XXXX XXXX Bankruptcy XXXX INQUIRIES 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 XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA 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 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 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: Information belongs to someone else

XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, all should n't be reported to my account I told them who I was staying with put me out and use my identity to try to obtain Credit in my name
Complaint sub-issue: Investigation took more than 30 days

Between XX/XX/XXXX and XX/XX/XXXX my idenity was compromised while on XXXX XXXX. For the last several months I have been working with the Federal Trade Commision, CFPB, XXXX, Equifax, and XXXX  to get the fraudulent accounts below beneath my name. The original creditors have responded that the account were fraudulent and the accounts were removed from my XXXX and XXXX report. However, as of todays date the accounts below are still reflecting on my account. The FTC has marked the Equifax uncooperative and my attorney has sent a intent to sue letter to Equifax 's legal team. I am currently undergoing economic harm and demand Equifax take he following account of my Equifax report. Equifax has been sent police report t=plus FTC report number yet as not investigated nor removed the items from my report in the past 90 days. 


Please note ... future responses will be forwarded to my attorney, the FTC 1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX 5. XXXX
Complaint sub-issue: Reporting company used your report improperly

I recently did an investigation on my credit report which caused severe depression upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ) these accounts are in violation of not reporting 100 % accurate. 

XXXX XXXX XXXX OF XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX  SERV Account Number : XXXX XXXX XXXX BANK XXXX Account Number XXXX XXXX XXXX COLL Account Number : XXXX XXXX CREDIT XXXX  Account Number : XXXX**************** XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX Also, In accordance with the Fair Credit Reporting Act, the list of accounts above have violated my federally protected consumer rights privacy and confidentiality under XXXX U.S.C. 1681.

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

15 U.S.C. 1681 Section 604 A, Section XXXX States a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C. 1681sXXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information is inaccurate. 

15 U.S.C. 1681c ( a ) ( XXXX ) Section states no consumer reporting agency can make any consumer report containing any of the following items of information Any other adverse item of information, other that records of conviction of crimes which antedates the report by more than 7 years.