Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Overdrafts and overdraft fees

All of my bills are set on auto pay. Business was slow for a week and was waiting to get paid. The bills hit the bank and it pulled my account to - {$1200.00}. With the associated fees of {$37.00} times 13. I had deposits going into the account but with the fees it didnt show positive for two weeks because the fees just kept adding up. I received a letter they are closing my account at the end of the month. Currently there is over {$2400.00} in the account and they will not let me withdrawal or close the account either. I have bills that need to be paid but the bank will not let me have my money. 

The manager said they will mail me a check after they close the account on the XXXX. Its the XXXX now.
Complaint sub-issue: Information belongs to someone else

This a fraudulent account that was opened in my name using my information. This account appears to have been opened in XXXX of 2022. I have contacted this company and informed them of this matter on XX/XX/2022. The total amount of this loan is {$5200.00} and it was fradulently obtained. Please remove this fraudulent account from my credit report.
Complaint sub-issue: Information belongs to someone else

My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. XXXX XXXX {$260.00} XXXX XXXX  XXXX {$230.00}
Complaint sub-issue: Their investigation did not fix an error on your report

it has been way over 60 days since I made this complaint to the CFPB - XXXX XXXX, and have yet to get any response or remedy from XXXX. Please see previous complaints. 

Equifax - Complaint # XXXX Based on your response : Collection : XXXX XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. 
I would like Equifax to conspicuously disclose and provide to me all the steps they took to VERIFY that this account belongs to me according to the FCRA. Violations ( 15 USC 1681d ). ( 15 USC 1681b Permissible purposes of consumer reports ( a ) ( 2 ).
Complaint sub-issue: Old information reappears or never goes away

The bureaus are reporting a Bankruptcy on my credit file that is really old and past the credit reporting limit. Bankruptcy # XXXX. 

This account should no longer be on my credit and request the bureaus to remove it.
Complaint sub-issue: Add-on products and services

My wife and I recently discovered that Citibank has been charging us monthly for a program called XXXX XXXX, a program we never signed up for or agreed to have. Apparently, Citibank put me in this XXXX XXXX program in XX/XX/XXXX. Only recently, I have started to closely monitor my finances using XXXX. I called XXXX XXXX ( who is an agent of Citibank ), and discovered, to my dismay, that I have amassed over {$6300.00} in debt for this program! This does NOT even include the interest that I have been paying! 

Naturally, I asked Citibank to immediately cancel this program ( which they did ) and refund me all of the charges ( they did not ). Consequently. I turned to the Minnesota Attorney Generals office, who sent a letter to Citibank on XX/XX/XXXX. 

Citibank made this statement in their formal response : Due to the length of time your account was enrolled in the program and the prior communications that were sent to you, which included messages every month on your billing statements as a reminder of enrollment, we must decline your request for a refund. 

Basically, they are saying that because they were able to trick us for so long, they should be able to get away with it. The XXXX XXXX charges were different month to month, and were buried among all the other obscure taxes and charges. 

Naturally, Citibank has NO proof that I signed up for this program. No signature. No recording of me agreeing to this program. Nothing. Moreover, in XX/XX/XXXX, when this card was opened, I was about to enter the hospital for an extended period of time. That marked the beginning of a very dark period for me in terms of my physical and financial health. 

It bears noting that at present, my ENTIRE balance at Citibank is solely comprised of XXXX XXXX charges, and nothing else. This month, I paid {$72.00} in interest on this bogus program.
Complaint sub-issue: Public record information inaccurate

Checkr sent a background check to XXXX which caused my account to get deactivated by XXXX. The background check was not accurate and incomplete. It showed I had 2 accidents but did not specify that I was not the driver at fault in either accident and that I also stopped for an ambulance to get thru in the accident and the person behind me didn't see the ambulance and bumped me from behind. It even specifys this in the accident report from the police. It is nearly impossible to get thru to an actual person from XXXX or checkr to explain the inaccuracies reported. I've sent over 50 different emails between the 2 companies and can't get in touch with an actual person.
Complaint sub-issue: Deposits and withdrawals

I opened a Coinbase account and transferred {$500.00} into it. At a later date, I opened an Coinbase XXXX account and also transferred from my bank {$500.00}. I've made a few small trades using Coinbase XXXX and this account balance should be approximately {$510.00}. 
I decided to close my Coinbase account and keep my Coinbase pro account open. After transferring {$500.00} from Coinbase to my bank, this account ( XXXX balance ) was closed and deleted on XXXX XX/XX/2021. 
Unknowing to me, this also removed access to my Coinbase XXXX account. I submitted my issue via email on XXXX XX/XX/2021 to Coinbase support. They responded via email on XXXX XX/XX/2021, XXXX # XXXX and told me to sign up to Coinbase using the same email address that I originally used. 
I did this ... and now have access to both Coinbase and Coinbase XXXX. The problem however, Coinbase XXXX now shows XXXX balance ( should be approximately {$510.00} ). 
I have since responded/replied to Coinbase support referencing my XXXX # XXXX and asking for help resolving my fund balance ( missing {$510.00} ). I received an automated response saying " Were working hard to quickly address this issue, and we'll reach out to you as soon as we have an update ''. 
As of today ( XXXX XX/XX/2021 )... This issue is still unresolved and have not received any status updates from Coinbase. I called their customer service number at XXXX ( XXXX ) XXXX. This is basically useless.
Complaint sub-issue: Reporting company used your report improperly

please help me against my consumer rights being violated as the statement.
Complaint sub-issue: Debt is not yours

Received a letter from Afni Inc : based in  XXXX , IL, stated that they are collecting a debt for   XXXX   XXXX   XXXX   XXXX   for  XXXX  dollars. Called the   XXXX   XXXX   XXXX   to verify the debt, they said there is no collection or any balance owed for me. This letter is a scam. I also checked my credit report for this collection, it showed nothing negatively.
Complaint sub-issue: Personal information incorrect

Equifax refuses to recognize that my city of residence is the same as the USPS normalized city for my residence address. My state driver 's license is an official government-issued ID and conforms to the Transportation Security Administration 's Real ID requirements, but Equifax refuses to recognize my driver 's license as proof of my identity. As a result of Equifax 's arbitrary and capricious refusal to recognize a valid state government ID, my access to credit has been delayed and I have incurred unnecessary expense to provide Equifax with additional proof of my identity.
Complaint sub-issue: Debt was result of identity theft

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1987 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX I C SYSTEM INC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious I C SYSTEM INC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1987 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Complaint sub-issue: Was not notified of investigation status or results

My name is XXXX XXXX and at this time, I will also inform you that XXXX XXXX offices have reported invalidated information to all 3 of the major CRA 's ( XXXX, Equifax or XXXX ). XXXX XXXX, whom you are furnishing inaccurate and incorrect information to the consumer reporting agencies. The account is charge-off/collection account. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. XXXX XXXX and their inaccurate reporting have damaged my livelihood & caused me anxiety. I wrote to XXXX XXXX via certified mail on XX/XX/XXXX, requesting for a Validation and they IGORNED my Debt Validation Request. On XX/XX/XXXX at XXXX I wrote to XXXX XXXX XXXX XXXX Chairman and Chief Executive Officer & XXXX XXXX XXXX Vice President and CEO of XXXX XXXX XXXX and I got no response from them either. In my letter I stated they had 10 days to remove the unverified item and again I heard nothing. This is the 2nd time XXXX XXXX ignored my requests. In this complaint I attached a copy of the certified mail receipt along with my debt validation letter that XXXX XXXX ignored. Along with a copy of the email I send to the XXXX XXXX CFO 's that was also ignored. XXXX XXXX has violated my consumer rights, not once but twice! I want XXXX XXXX to stop violating my rights and remove the item from my consumer report. By law the CRA's/ creditors etc has 30 days to complete a 30day investigation, & XXXX XXXX failed to do so. The 30 day mark has come and gone over 4months ago! Therefore XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Equifax Information Services LLC by law shall remove the item from my consumer report. There is a laundry list of damages caused upon me from XXXX XXXX & the CRA 's!. 
If any debt collectors, creditors are not able to provide the proper documentation as requested in a Declaration, all collection activity shall CEASE and Desist. 
Overall XXXX XXXX office fails to respond to the validation request within 30 days from the date of my receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.
Complaint sub-issue: Information belongs to someone else

inaccurate information no knowledge of accounts filed with FTC and PO report, in violation of consumer rights, lending act and HIPPA
Complaint sub-issue: Reporting company used your report improperly

I went to purchase a vehicle on XX/XX/2020 and my credit was ran for financing, only I was denied by a credit reporting company that I have never heard of, can't reach, yet they have my personal credit information. I was financed by another company, but the fact that a " credit bureau '' I have never heard of, rated my credit, and denied me based on an arbitrary and unknown formula is not how I trust to conduct business. Never in my life have I heard of SageStream LLC and I have NEVER given permission that wasn't XXXX, XXXX, and XXXX. We do NOT need a 4th " credit bureau '' especially one that can not be reached or allow you to do anything online. This type of shady behavior is not what I  agreed to when having my credit " ran ''. An unofficial credit company should not be able to access my personal financial information, especially when the parent company is XXXX and XXXX XXXX ( a computer virus protection software company ).  How do I know my information isn't being shared between these companies to track me or my activities? I do not trust this company.
Complaint sub-issue: Personal information incorrect

Hello, I am filing a serious complaint against the credit bureau for selling my personal information, lies, vulnerable to me, my good name, my family, my business, my future and my life These liars must be removed from the law! 

Thank you, XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX Bank Account # 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 without my written instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Arkansas, XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Re : Investigation Confirmation # XXXX To whom this may concern, I recently received your intimidating response letter regarding this recent investigation results confirmation that is above. In where you stated that the results from that investigation has been completed. '' As a result of your findings. Im formally requesting the following documents specifically. 

Please send me the full arrangement ie, the 1. Contract with my signatures on it that says that 3rd parties are allowed to have my information that Id signed off on. Of which I know for certain that it doesnt exist because its not my debt for the following accounts below : " DELETE XXXX   XXXX XXXX '' Or Delete It! 
XXXX XXXX XXXX XXXX Or Delete It! 

Richardson v. Equifax Information Services, LLC et al, Cushman Vs TransUnion, and Stefferson Vs Experian. All the courts merely said that The Credit Bureaus Can Not pair information from the Creditors and Collectors. They have to do and conduct a reasonable investigation on their own. Which means that they cant just use the XXXX XXXX because its not considered reasonable. They can not just say that we went to the Creditor and/or Collectors and got this information and they just say that its verified and we can say that its verified. No! 

I'm sure that you are aware that the FCRA, allows damages up to {$1000.00} per each violation. 

And send me another credit report. 

I've included the full letter with the items that I'm disputing below.
Complaint sub-issue: Public record information inaccurate

The following rights have been violated - 15 usc 1681 ( a ) ( 4 ) " Infringed Upon a consumers right to privacy '' -15 usc 1681 ( a ) ( 2 ) " No Permissible purpose/ No written Instruction - 15 usc 1681a- ( e ) After contacting the credit Bureaus, a bankruptcy was " verified '' Lexis Nexis is retrieving Public records thru pacer which is a electronic public access service that allows users to obtain case and docket information from federal appellate.

Lexis Nexis has infringed upon my right to privacy, they have no permissible purpose or written instruction to report this.
Complaint sub-issue: Reporting company used your report improperly

As of XX/XX/XXXX, I have been unable to access an XXXX credit report as the company has blocked access. There seems to be an attempt to indicate that I have provided credit card info on file - I have never provided the company with my credit card for any services. The portal indicates that access has been blocked largely due to a monthly payment. I have never signed up for paid subscription to any XXXX service. 

This has impacted my ability to get information from my bank- PNC. At this time PNC requires an updated credit report with my rental information from XXXX - XXXX in the XXXX section, I am unable to get any service from their agents who indicate that to include rental information, I must have access to XXXX I have been informed that XXXX  is available for free. Yet agents have blocked my access to the account and as of XX/XX/XXXX, I am unable to get any clear, relevant information on the phone or through mailings.
Complaint sub-issue: Was not notified of investigation status or results

I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit are up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on but these items are not mine and they all need to be deleted from my credit report : XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX INQUIRIES : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, 1 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX , XXXX, XXXX, XXXX XXXX , XXXX XXXX, XXXX/XXXX,  XXXX/XXXX, XXXX/XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX,, XXXX/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

I have the equifax credit service product, which inform me on XXXX that an new address was reported to my credit file. No other credit agency, but Equifax. I called several times ( please see dispute list ) trying to get them to look into the matter for resolution with no luck. They said they did an investigation and sent an update credit report that still shows the address of dispute out of Florida and I keep sending dispute trying to get them to remove this information with no luck. As of today this address is still on my credit report. All of my credit reports are lock, no one can gain access but government and Equifax itself. I received another alert from Equifax on XXXX saying a new address has been added to my credit report. This is a problem with Equifax or someone internal is doing this. Please review for accuracy and delete this address of my credit report out of Florida that has never belong to me or never stayed out of Florida in my life. This is complete fraud and Equifax say that have deleted this address but it appears they have not. They have violated statues of the federal law when correcting consumer information correctly.
Complaint sub-issue: Problem with fees

On XX/XX/XXXX we discovered that Citibank had been charging us a monthly fee for debt protection, a service we did not sign up for or agree to. We have been card holders since XX/XX/XXXX and we have been told and confirmed through statements that this was added in XX/XX/XXXX.  Citibank has called their debt protection at least 5 different names since this started. We have not missed a payment nor received any benefit from this program. 

Since the discovery of these fees, we made an immeditate call to Citibank that were less than helpful as they said we would have to talk to XXXX and issue a complaint. We asked them to immediately stop what we learned was an optional service. Three calls later, they finally discontinued the charge moving forward. When we asked about our refund of the fees that totalled {$49000.00} and the interest that added {$30000.00} we were told that since we were under the protection of the program these were non-refundable. 

We did not sign up for the service, they imposed it. We have since discovered that there were several cases against Citibank for unfair and deceptive credit card practices. 

We are seeking the process to get our money back. We did not sign up for this debt protection and we were certainly not contacted about any settlement. Yes we should have read and questioned each statement, but for the first 7 years of having the card there was no debt protection. These fees were posted in the same columns at the fees and interest, very misleading. 

The most frustrating part of this dispute is Citibank 's process. We have been bounced around from call center to call center, with the standard response of we can't do anything or see records. First we were told they submitted/entered a dispute request on our behalf, then we were directed to email and finally told to right a letter and wait 30 days. All the while Citibank is making 16.5 % on the balance they have created over 14 years. They imposed these charges, we did not seek or benefit by them.
Complaint sub-issue: Information belongs to someone else

Upon research of the Fair Credit Reporting Act removing and replacing an item on a persons credit report is Illegal and this company XXXX XXXX had removed this account from my credit report on XX/XX/2021 and then placed it back on my credit report XX/XX/2021. XXXX XXXX needs to be removed from my credit report permanently. This account is not mine
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. BK OF MO - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. 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 )