Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Talked to a third party about my debt

XXXX XXXX. 

On XXXX XXXX, 2016 Banco Santander forwarded a letter to me advising me of a second notice of payment. This letter was given to my son by a neighbor which we do not know, because it was placed in their mailbox incorrectly. 
The issue is that Banco Santander violated my privacy by providing in clear view inside the address window my full name, address, the reference being a personal loan, including my account number, the total amount due for the loan, and that it was a second notice. 
This violated my rights by a financial institution by providing in open view private information that should have not been previewed in plain sight. 
I made contacted Banco Santander on XXXX occasions. XXXX XXXX ( supervisor ) on XXXX/XXXX/2016, And XXXX XXXX @ XXXX XXXX XXXX XXXX, XXXX. As of this date my financial institution has not return my calls made any attempt to contact me nor provide a resolution to this date. 
This issue openly embarrassed me in front of my neighbors, and my children. I formally request an investigation, and fines to correct this abusive practice by Banco Santander. Enclosed are pictures of the envelope as received.
Complaint sub-issue: Can't close your account

I had opened a checking account with PNC Bank. On XX/XX/XXXX, I tried to close the account. I chatted with a PNC service rep online to close the account. He sent a link that didn't work. I explained to the rep and finally could submit the closure form. So far the account hasn't been closed and the bank has charged fees. Hence, the account is in a negative status and when I tried to contact customer service, I was told, I have to make the account as XXXX or positive balance before it can be closed. I explained to the rep that on XX/XX/XXXX, the account had a XXXX balance when I first requested to close the account and filled the form. The rep said, he/ she can't help. Hence, I am reaching out to you.
Complaint sub-issue: Problem accessing account

N26 BANK NOTIFIED ME THEY ARE CLOSING MY ACCOUNT. THEY CLAIM THEY ARE SENDING ME A CHECK FOR MY ACCOUNT BALANCE WHICH ISN'T MY ACTUAL BALANCE. THEY ARE MISSING DEPOSITS TOO. THEY REFUSE TO PROVIDE ME AN ACCOUNT STATEMENT OR TRANSACTION LIST. THEY ARE REFUSING MY REQUEST TO REPORT FRAUDULENT TRANSACTIONS. 

THERE RESPONSE WAS TO LAUGH AT ME ON THE PHONE AND HUNG UP MULTIPLE TIMES. THIS BANK IS A TOTAL FRAUD AND SHOULD BE SHUT DOWN. THEY OWE ME THOUSANDS OF DOLLARS.
Complaint sub-issue: Their investigation did not fix an error on your report

ERC ( Original Creditor : XXXX XXXX XXXX  ) XXXX Date Opened XX/XX/2019 Balance {$500.00} I dont believe that this reporting is correct. This reporting is incomplete. Your agency is supposed to provide the missing information as they are missing from the report. I see that this account has a charge-off status but Im still seeing balance being reported. Are you aware that its a violation?
Complaint sub-issue: Their investigation did not fix an error on your report

My credit was pulled without my consent
Complaint sub-issue: Investigation took more than 30 days

I've filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXXXXXX XXXX  XXXX XXXX card and XXXX XXXX XXXX XXXX XXXXXXXX XXXX accounts was open fraudulently. Heres my police report to go with my ftc report to have theses accounts removed or blocked.
Complaint sub-issue: Information belongs to someone else

The wrong name is reporting on my credit report. Some of the information showing does not belong to me and needs to be removed immediately! I complained to the FTC. 

FTC Complaint # XXXX Account : XXXX XXXX Account # : XXXX Balance : {$560.00} Opened : XX/XX/XXXX XXXX Bank Account # XXXX Balance : {$310.00} Opened : XX/XX/XXXX Account XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$20000.00} Account : XXXX XXXX/XXXX Account # : XXXX Balance : {$4000.00} Opened : XX/XX/XXXX Account : XXXX XXXX XXXX   Account # : XXXX Balance : {$500.00} Opened : XX/XX/XXXX Account : XXXX XXXX Bank Account # : XXXX Balance : {$260.00} XXXX Account : XXXX Account # : XXXX Account : XXXX/XXXX Account XXXX XXXX Balance : {$1300.00} Account : XXXX/XXXX  Account # : XXXX Balance : {$750.00} ( Limit ) Opened : XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Department of Education has duplicated the same informationthrough several companies. Making it appear that I owe 3 differentcompanies the same amount of money ; and each of them arederogatory. Each of them are reporting similar information butdifferent payment histories, different start dates, different last activitydates. Upon information and belief this is done to make the additionalcompanies appear authentic. I have never had a contract with any ofthese companies and I am in fear that I will be forced to pay upwardsof {$45000.00} to clear up my name. This has caused me unimaginable ISSUE Problem with a credit reporting company 's investigation into anexisting problem HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THECOMPANY?

Yes TYPE OF ISSUE Their investigation did not fix an error on your report financial stress during this pandemic. I notified the three bureaus onXXXX XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX, XXXXDEPARTMENT OF EDUCATION All student loan repayments havebeen placed on hold since XX/XX/XXXX. They are falsely reporting ithas been in collections when they are legally prohibited fromcollecting. This account payment dates are inaccurate and differentat each of the bureaus. XXXX All three bureaus are reportingwhat could be a violation of a Nondisclosure Agreement ( SF-312 ). Thecontractual agreement between the U.S. Government and me is tonever to disclose information to an unauthorized person. I have neverauthorized or consented to disclosure of my personal information. This account payment dates are inaccurate and different at each ofthe bureaus. It should also be noted that the Consumer FinancialProtection Bureau has sued XXXX in XXXX for systematically andillegally failing borrowers at every stage of repayment. I will attach acopy of CFPBs press release. XXXX All three bureaus arereporting what could be a violation of a Nondisclosure Agreement ( SF-312 ). The contractual agreement between the U.S. Government and me is to never to disclose information to an unauthorized person. I have never authorized or consented to disclosure of my personal information. This account payment dates are inaccurate anddifferent at each of the bureaus. DEPTEDXXXX All three bureausare reporting what could be a violation of a NondisclosureAgreement ( SF-312 ). The contractual agreement between the U.S.Government and me is to never to disclose information to anunauthorized person. I have never authorized or consented todisclosure of my personal information. This account payment dates are inaccurate and different at each of the bureaus.
Complaint sub-issue: Account information incorrect

I have 2 charge offs on my credit report. These accounts are closed but yet they are still reporting late payments every month. I'm not sure why. Ive contacted the dealerships and was unable to get assistance and I also contact the 3 credit agencies Equifax, XXXX, XXXX and I was not able to get any assistance.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I have explained that we are going through a debt relief program on XX/XX/2019 and the company is trying to collect XXXX dollars. I have asked them to quit calling several times and the have the phone number to call the debt relief program. The gentleman is very rude and would not let me explain the situation.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX has illegally placed a collection on my consumer reports, violating my FEDERALLY PROTECTED consumer rights. In accordance with The Fair Debt Reporting Act the account with XXXX XXXX XXXX XXXX has violated my rights : 15 U.S.C 1658 Section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2. It also states that a consumer reporting agency can not furnish a account without written instructions from the consumer... I have not given any such permission.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have sent this affidavit to all XXXX credit bureaus & they have all ignored my complaints. This is starting to get ridiculous & I need this information deleted expeditiously
Complaint sub-issue: Problem with personal statement of dispute

I have been disputing the accuracy of a public record on my credit report with all tree credit bureaus for over a year. I found out that a third party company, XXXX, was supplying information about me to the credit bureaus. I also received documentation that the courts do not report or verify information with the credit bureaus. I found out I could freeze my XXXX account which would prevent XXXX from verifying any information on me or supply information to the credit bureaus. I froze my XXXX account and again disputed the bankruptcy information. XXXX deleted the information from my report. XXXX is currently reinvestigating the dispute. Equifax says they have verified the information with XXXX ; however, that is not possible because my account is frozen. Either Equifax did not actually verify the information or they were not truthful about how they verified the information.
Complaint sub-issue: Can't use card to make purchases

I have paid the full balance on my card and my money has been withdrawn from my bank account. My card shows a XXXX balance - but because I made more than one payment against the card during the billing period, and the balance was paid in its entirety, my card has been blocked until the card issuer verifies with my bank that my payment is good. This despite the fact that the transaction cleared my bank approximately one week ago.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
HIGH BALANCE, BALANCE OWED, DISPUTE STATUS, CREDIT LIMIT, DATE OF LAST ACTIVE, DATE OPENED, LAST PAYMENT ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Fraudulent inquiries made under my social security number that needs to be removed. 
1.XXXX XXXX dated XX/XX/XXXX 2. XXXX  XXXX XXXX dated XX/XX/XXXX 3. XXXX XXXX dated XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XX/XX/XXXX 6. XXXX XXXXXX/XX/XXXX 7. XXXX XXXX  XX/XX/XXXX 8. XXXX XXXX XXXXXX/XX/XXXX 9. XXXX XXXX XXXXXX/XX/XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

I have made numerous attempts to try to resolve this debt. I requested information baring my signature. I didnt receive any information.
Complaint sub-issue: Debt was paid

I filed a complaint against Enhanced Recovery company 3 months ago and still nothing is being done to correct my credit file. Please advice me on the status of this account.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

On XX/XX/XXXX I contacted Pro Collect to see why they were showing up on my rental history as being owed a debt in which I know I included in my Chapter XXXX Bankruptcy filed case. I filed Chapter XXXX in XX/XX/XXXX in which I have since been discharged from this filing. Once again I contacted Pro Collect and asked why are they still showing that I owe for the XXXX XXXX XXXX and other company by the name of Sure Deposit which was also included in the Bankruptcy. I was advised that my account was restricted and to contact a gentleman by the name of ( XXXX XXXX ) via email. I was giving the email of XXXX and also advised that if and when he returns my call that I would need to answer because he will not call back. Meanwhile, I still did not receive a call back or email in reference to my issue at hand. I contacted the company again on XX/XX/XXXX for a follow up because I have yet to receive a resolution from the first attempt to inquire as to why this debt is still out there when it should indicate it was discharged through bankruptcy. This is causing a hardship on me because I'm trying to relocate and they will not allow me to reside in their dwelling until I show proof that I do not owe this debt to Pro Collect, The XXXX XXXX XXXX and Sure Deposit. I have yet to hear from this company and per the reviews for this company they have horrible service and XXXX XXXX is not a reliable source to handle the issue at hand. Therefore, I will exhaust all avenues until I get this issue resolved.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2018 I called on a followup with the removal of several inquiries that are on my credit file that I did not authorize. They immediately told me that Inquiries are generally a matter of fact. Under the Fair Credit Reporting Act, a credit reporting agency must retain a record of companies who have accessed your credit report. I let the rep know that I did not authorize these inquiries and that under the FCRA all inquiries should be authorized. They did not remove these inquiries and informed me that will be there for a year or two and that " should not '' hurt my credit score. These inquiries are indeed harming my score and the fact that they are not factual inquiries is what is the most frustrating.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax did not properly investigate my Dept of Education XXXX and U S Dept. of Education / XXXX
Complaint sub-issue: Account status incorrect

On XX/XX/2018 I filed a written demand set USPS Certified mail # XXXX XXXX XXXX XXXX XXXX for XXXX  to remove the fraud alert placed on my consumer credit file. I DID NOT request or authorize anyone to place a FRAUD alert on my behalf. 

On XX/XX/2018 I filed a written demand set USPS Certified mail # XXXX XXXX XXXX XXXX XXXX for XXXX to remove the fraud alert placed on my consumer credit file. I DID NOT request or authorize anyone to place a FRAUD alert on my behalf. 

On XX/XX/2018 I filed a written demand set USPS Certified mail # XXXX XXXX XXXX XXXX XXXX for EQUIFAX to remove the fraud alert placed on my consumer credit file. I DID NOT request or authorize anyone to place a FRAUD alert on my behalf. 

According to the companys website upon receipt of a written request they will usually remove a fraud alert within 72 hours. 
Its been more than 72 hours since the request was made and the Fraud alert remains. 

This erroneous fraud alert is being publish without my authorization written request, and has caused me to be denied credit. It is of an urgent nature that I am requesting your assistance in have this unauthorized fraud alert removed. Additional I would like the credit bureau to notify each company that has conduct a hard pull of my credit within the last 30 days that the alert has been removed.
Complaint sub-issue: Was not notified of investigation status or results

EQUIFAX FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN THE 30 DAY IVESTIGATION PERIOD. IN ADDITION THE FAILED TO PROVIDE THE INFORMATION ON FILE CONCERNING THE DISPUTED ITEMS PURSUANT TO SECTION 609
Complaint sub-issue: Was not notified of investigation status or results

Account Name : XXXX XXXX XXXX XXXX  Date Opened : XX/XX/2019 Amount : {$32000.00} Account Type : Charge Off This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.
Complaint sub-issue: Investigation took more than 30 days

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, Texas XXXX XX/XX/XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

I demand that the following account be verified or removed immediately : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

4. Other information I would like changed XXXX XXXX Account Number : XXXX Please verify and update late payments from XX/XX/XXXX and XX/XX/XXXX 5. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

6. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

7. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

8. Validate Account XXXX XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

9. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item. 


In addition, please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you,
Complaint sub-issue: Card opened as result of identity theft or fraud

Reputable banks ( XXXX, XXXX ) link all accounts under a given SSN, so that the person in question can see any accounts he / she has open with that institution. No surprises, no phantom cards opened under your name that you didn't know about. Because when you log in, everything under your SSN is in one place.

Citibank, by contrast, deals in obfuscation. You can have 10 years of different bank accounts and credit cards with them. All accounts are under the same SSN, same contact info, mailing address, and the like. Yet all tend to have different logins. They don't link automatically. If you weren't aware that an account was opened in your name or a duplicate card was sent to you with a different number, you would not know it unless you knew the card existed and found a way to link it, through extra steps, to your primary account. 

This obfuscation ( not linking accounts ) facilitates fraud. But it helps CITI charge usurious interest rates to unsuspecting people. People who, because the accounts aren't linked under the SSN, didn't even know a given ( often fraudulent ) account existed. 

That is what happened to me. Citi sent a phantom card. Charges were made to it. I had no access to it. It didnt ' appear under my normal Citi account - set on autopay. usurious interest accrued. I never received a paper statement. And now they are trying to pretend this is ok. 

This deliberate failure to link accounts perpetuates wholesale fraud against the nation. It needs to be addressed. 

As for me, I need all interest charges waived on this phantom account ending in XXXX. I need the account closed. I need a paper statement of all charges so I can see what was fraudulent. I also need all Citi account linked to my SSN closed. I just can not trust them any more.
Complaint sub-issue: Debt is not yours

I pulled my credit and found that someone has been using my SS XXXX and DOB XX/XX/XXXX to open up credit cards and accounts! The following accounts are not mine and needs to be removed from my credit reports : RECOVERY ONE LLC # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX.
Complaint sub-issue: Overcharged for something you did purchase with the card

On XX/XX/2022 I used my XXXX XXXX card for dine-in at XXXX XXXX XXXX XXXX XXXX, WA. Square Inc is the payment processor for XXXX XXXX XXXX. As the payment processor, Square Inc is responsible for computing the sales tax rate on the point of sale ( POS ) system. Without prior notification, XXXX XXXX XXXX added a {$0.00} " Retail Service Tax '' when paying. This is in addition to the expected sales tax. I found out about the additional charge after swiping my card. There is no such tax called " Retail Service Tax '' in Washington State. The restaurant employees were not sure why this fee was added. There is also no posted notice of the fee. The restaurant was unwilling and unable to provide a refund, since they blamed it on Square Inc .
Complaint sub-issue: Problem making or receiving payments

Called PNC to connect my bank account to XXXX through XXXX and was told couldnt do it?
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts and information in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an IDTHEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$430.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$3500.00} XXXX XXXX XXXX Balance Owed : {$450.00} XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XX/XX/2022. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.