Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Don't agree with the fees charged

I have concerns with how interest in allocated. I have had my loan for > 10 years. ( I pay XXXX, Started paying more than the minimum about 4 years ago minimum payment is XXXX. I am currently a few months ahead ( next payment due is XXXX ). 

100 % of my XXXX payment {$180.00} and most of my XXXX Payment ( XXXX out of XXXX ) was allocated to interest. I have been paying in advance, but still getting charged more than minimum montly payment in interest. My interst rate is 3.65 %
Complaint sub-issue: Funds not received from closed account

Addendum to.complaint XXXX I received call from executive cust service office XXXX. She.verified I could.close and.cash.out.my account.on fri.XXXX. We agreed on a bank office but i later realiZed it was 80milea away per XXXX so i called.to change to XXXX mi.office. i called ahead and the manager stated she had.been notified to close the account.but that could not.happen for theee days. Of course XXXX is a bank holiday so 4 more days in addition to the three already.with absolutely no funds. I called XXXX back and she was not available i spoke to a male manager who stated i would not.be able.to close for atleast 3 daya.and would receive a cashier 's check within 10 days.of that.time. i told.him i have no use for.a.casbier check i wanted cash.and i could.not go another 14days.without.funds. i opened this account.with.XXXX cash and.i am leaving with cash. Well nothing.was done i deove.30minutes to the.branch and was transferred to multiple offices and everyone had a.different story. We are getting a foot of snow.i have livestock as.mentioned before. I need to feed them. And I need to fuel.my.truck. this has.caused.me.great hardship. Financial.freedom is an illusion in this.country.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  Acct # 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 an account without my written instructions. 


In accordance with the Fair Credit Reporting Act, XXXX  XXXX Acct # 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX Acct # 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX Acct # 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX Acct # 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX Acct # 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX Acct # 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Acct # 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Acct # 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 an account without my written instructions.
Complaint sub-issue: Cashing a check

Before the month end XXXX of XXXX, our company had issued 5 checks to various vendors. We mailed the checks by dropping them into a blue mailbox at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. During the XXXX week of XXXX, we started to receive calls from our vendors who did not receive their checks. Upon checking, checks intended for them were cleared and deposited to someone else 's account. We submitted a complaint to our Bank, US Bank. We received documents we needed to fill up from US Bank and returned the completed forms to them in a timely manner. I have made several follow ups with the Bank but no answers or resolutions. The amounts of each check are the following : Check 1 - {$7700.00} - Tampered check -changed payee name on check Check 2 - {$12000.00} - Tampered check - changed payee name on check Check 3 - {$11000.00} - Tampered Check - Changed payee name on check Check 4 - {$2200.00} - Check deposited to another account than payee. Check intended for a business account was deposited into a personal account.

Check 5 - {$14000.00} - Check deposited to another account than payee. Check intended for a business account was deposited into a personal account of person who endorsed it fraudalently.

Total amount of fraud amounts to {$48000.00}. It has been 4 months with no action by US Bank. We submitted our complaint to XXXX and our fraud case number is XXXX. We mailed the original from to XXXX check claims, XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX
Complaint sub-issue: Problem during payment process

Equifax has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. XXXX XXXX XXXX has fraudulent accounts on my credit profile that need immediate removal.
Complaint sub-issue: Their investigation did not fix an error on your report

I have made more than 4 attempts to have my credit report fixed. On XX/XX/XXXX, the XXXX XXXX XXXX XXXX ( Creditor ) has notified me that they have NOT reported the information as indicated on the report provided to me on and before XX/XX/XXXX. 
I have disputed the account since XXXX of XXXX and provided ( XXXX, EQUIFAX AND XXXX ) with the documentation provided to me by the creditor ( XXXX XXXX XXXX XXXX ). The agency knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. They have failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. They have communicated and are continuing to communicate incorrect and defamatory information to third parties. As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I was never late on my accounts espeially not 90 days. It wendt from30 to 90 days when in fact they are reporting payments being made in the months I allegedly was late.
Complaint sub-issue: Information belongs to someone else

There is an account from XXXX that is appearing under my name with the credit reporting agencies. I was advised by XXXX that this account was to be removed from my credit files. So far, XXXX has deleted the account. It is still on Equifax and XXXX and needs to be removed as requested.
Complaint sub-issue: Card was charged for something you did not purchase with the card

Best Buy Store Card issued by Citibank has been charging consumer a " debt '' protection charge every month. I have cancelled and called the department many times and they always give me the run around or they are out of order having " technical '' difficulties and can not receive calls. I never signed up for this service and they have been charging me for over a year.
Complaint sub-issue: Information belongs to someone else

I am writing this due to the non-compliance with the CRA XXXX. They have failed to remove information that Was affiliated with personal details That were Challenged in the past. I Strongly believe that they are in Violation Of the FCRA And are outright refusing to uphold the law.
Complaint sub-issue: Their investigation did not fix an error on your report

I'm ask the credit bureau to remove fraud inquiry from my report they told me they don't dispute inquirys i need to contact the company and i did the company said dispute it with the bureau so i don't known what to do please help. 

XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX   XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from  XX/XX/XXXX XXXX XXXX, XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX/XXXX Inquiry from XX/XX/XXXX I did not open or authorize this account, and I therefore request that it be closed immediately. I am a victim of identity theft, and did not make the charge [ s ]. I am requesting that the items be blocked to correct my credit report.I also request that XXXX/XXXX XX/XX/XXXX {$3000.00} XXXX XXXX XXXX. XX/XX/XXXX {$960.00} XXXX XXXX/XXXX XX/XX/XXXX {$100.00} XXXX/XXXX XX/XX/XXXX {$3400.00} XXXX XXXX XXXX XX/XX/XXXX {$3300.00} XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$450.00} absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.
Complaint sub-issue: Non-sufficient funds and associated fees

Hello, beginning in XX/XX/2021, my PNC virtual spend checking account ending in XXXX began incurring a {$7.00} monthly service fee. Due to a XXXX related injury to my husband as well as my XXXX, in conjunction with the fact that this is not the primary account that my husband and I use, I didn't check my account until about a week ago when I logged on, and at that point realized the account was being charged a fee. I called PNC customer service who advised me that the fee was due to the balance running below {$500.00}. The fee was not something I was aware of, as I opened my account years ago. The customer service agent waived the {$7.00} fee for XXXX and XX/XX/2021, but would not waive XXXX, XXXX, or XXXX. Had PNC sent me an e-mail or called me when my balance reached below the minimum threshold and explained that I would be incurring a charge if I did not deposit additional funds, I would have ensured that there be a minimum of {$500.00}.
Complaint sub-issue: Didn't receive notice of right to dispute

I had a old cell phone bill sent to this collection agency I am not sure why it was sent to them in the first place, the bill was settled with XXXX when I switched XXXX paid them the switching fees. I contacted XXXX & they have stated the account is settled and it should never have been placed into collections. I have tried to get this removed from the collection agency and they refuse to acknowledge the problem. Had they of sent me a notice required by law I would have disputed this debt. Now in the days of XXXX XXXX I notice this on my account.
Complaint sub-issue: Investigation took more than 30 days

Was not notified of investigation status or results, there is so many things that are not being reported accurate and some are also outdated. I have been contacting the bureaus since XX/XX/2022 and they just fail to respond or do anything about my situation, I am frustrated and need some help getting them to report ONLY accurate info on my credit. This last time its been over 30 days almost 45 days and no response. Please help.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX sent dispute to XXXXn and Equifax concerning a collection from XXXX XXXX On XX/XX/XXXX I was advised XXXX deleted the account file : XXXX {$420.00} amount shown in collection As of XX/XX/XXXX This account is still being reported as in collection and 0 % paid This was an account that was used/open fraudulently on an XXXX XXXX XXXX I never received and I reported to XXXX XXXX . I was advised account was closed and would be noted. ( original date XX/XX/XXXX ) XXXX XXXX apparently purchased XXXX XXXX and this account began to appear on credit report as collection. I have disputed numerous times and requested validation and have never received any proof this account is or was opened by me : billing detail statements, signature card or proof this is/as my account. 
XXXX/Equifax finally were to delete the account but still showing on Credit Bureau Reports I believe this account keeps being sold/bought by different collection groups. My only notice has been Credit Report Monitoring
Complaint sub-issue: Their investigation did not fix an error on your report

Kindly be sure with the accuracy and precision with this customer record account. Related information similar to this, this is amazingly harmful to my current credit record! Kindly provide that the particular information is 100 % verifiable and appropriate. 

XXXX XXXX Balance : {$860.00} ; XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Complaint sub-issue: Old information reappears or never goes away

On XX/XX/XXXX I received a notification from the credit bureaus in regards to a unknown collection account from XXXX XXXX XXXX XXXX in the amount of {$940.00}. I have no knowledge of this account nor do I have a contract with this company. I reached out the to company and asked for debt validation and to send my a signed contract with my signature and the agent disconnected the call. Contract callers attempted to collect on this fraudulent account as well and they weren't able to validate the debt it was removed from my credit file XX/XX/XXXX. XXXX  XXXX  purchased this fraudulent account XX/XX/XXXX and just reported it on my credit files XX/XX/XXXX. XXXX  XXXX  needs to validate this account with a signed contract with my original signature to show dates when this account was open. I've been on XXXX XXXX over 5 years and haven't been in the states I need to know who's using my information to open fraudulent accounts so that I can file charges with the proper authorities for identity theft. The bureaus are continuously inserting fraudulent information on my credit file. I dont have a contract with this company and never have. The account was deleted XX/XX/XXXX as well and has been reinserted a 3rd time without my knowledge or verification of this debt. XXXX has broken the FCRA laws by reinserting fraudulent debt/ information on my credit file!!
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/2018. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/2018.
Complaint sub-issue: Information belongs to someone else

I am showing 2 derogatory accounts on my credit that I have disputed in the past with all three credit bureaus. The only credit bureau that continues to report the accounts in question is Equifax. Equifax has blocked my report and refuses to report a score for no reason other than a previously reported identity theft to them. Also with the accounts that are in question both accounts have incorrect information the XXXX XXXX  leasing was found not even to have my Social Security number these were a result of ID identity theft. When XXXX XXXX credit leasing was questioned they originally admitted that they had my social as ending in XXXX, ( I do not have the account number but it is included on page 23 of 36 on my credit report attached ) this is not my social and all of the information on the application was incorrect did not match me it was a result of identity theft. The next account coming from XXXX XXXX XXXX I have disputed on several occasions. XXXX XXXX XXXX continues to reseal this information to different debt collectors after they have been advised that this was a fraudulent account as a result of identity best. XXXX XXXX XXXX has been negligent in selling this information to now professional account services. I just disputed the same bill on multiple occasions from two other debt collectors that I had to dispute and have the same account removed for {$150.00}. This has been a burden and Equifax has been the only company to continue to violate the law by reporting these items even though I have supplied them on multiple occasions with disputes and police reports showing identity theft.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 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.
Complaint sub-issue: Public record

Equifax is still reporting XXXX tax liens ( public records ) that should be removed from my credit file. I have disputed this with them several times over the last year, sending them IRS forms 10916 ( Withdrawal of Filed Notice of Federal Tax Lien After Release ) for EACH tax lien for proof that these need to be removed from credit file promptly. Just recently, they removed XXXX of the XXXX tax liens, however they are STILL reporting XXXX of the liens. Please see the attached IRS documents supporting that these tax liens legally need to be DELETED from my credit file. Tax Liens that need to be deleted below : Case No : XXXX / SN : XXXX XXXX XXXX - XXXX XXXX XXXX, FL Case No : XXXX / SN : XXXX XXXX XXXX - XXXX, FL Case No : XXXX / SN : XXXX XXXX XXXX - XXXX, FL Case No : XXXX / SN : XXXX XXXX XXXX - XXXX, FL Case No : XXXX / SN : XXXX XXXX XXXX - XXXX, FL
Complaint sub-issue: Banking errors

On  XXXX   XXXX ,  2017, CITI Bank passed a check through our account that had had the recipient name and policy id number on the check altered. It had been made out to our home owners insurance company and had been " fished '' out of a postal box on the street. A person  's name was put in place of the insurance company and the policy number altered to a credit card number. The check was then cashed at another bank. This we discovered, when we were notified on  XXXX   XXXX ,    2017  that the insurance company had not recieved payment. Going to the bank and working with the then ban k manager, the alteration was discovered, and we were given a copy of the altered check. We submitted a form with the manager that was to go to the fraud division to be looked into. We were told that the money would be put back into the account within a 30 day period, but that the fraud division had up to 90 days to complete their work. As of today there has been no effort by CITI to advise us as to whether they have completed their case work, even though we have gone into the local branch often to discuss the matter. There was, about two weeks ago, an offer to give us the money back provisionally. This means that if the fraud division does not agree that it was fraud, we would have to return the money. We refused that because the check clearly shows two disti nct handwritings, and when asking questions of the Postal Service, they acknowledged that " fishing '' is an ongoing problem a nd that street postal deposit boxes were being removed and were to be replaced. The box that the check was removed from was one of the boxed that was removed from the street. We have spoken to a CITI regional bank manager who was to have straightened the matter out, and then silence. We have written to the CEO of CITI and again silence! We feel like they would like to wait us out and hope that we will go away. That ain '' t happening! D ealing for years with a local bank in New Jersey there were problems which arose, but when they did occur, were handled promptly and properly. Today, because the banks are so big, and we little fish in their ponds, we are, whenever there is a problem, generally ignored!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 a account without my written instructions
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I was working with Discover to process an offer made to me. They required additional documentation to be submitted. I had not submitted Yet, an inquiry was made to my report. I reached out to Discover to find out why an inquiry had been made and we had not completed the application, the chat agent confirmed that an inquiry should not have been made at this point of the application. There was explanation from Discover why an inquiry had been made and the application had not been complete.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX XXXX XXXX, i sent out letters to all three credit bureaus in regards to inquires i did not authorize or have any acknowledge of. I was appling through a first home owners program a few months back and thats when i was denied. when i requested my credit report i found over XXXX inquiries on my report. XXXX XXXX, XXXX XXXX ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). IN return the credit bureaus stated that my request for deletion could not be completed due behind my letters looking like they were sent from a credit agency on my behalf which i clearly sent these letters myself. i was also told by the bureeaus to write a letter disputing the inquries and a complaint from the CFPB, FTC OR POLICE REPORT along with providing a copy of the CFPB complaint with a copy of my license and proof of address. i requested a copy of the reinvestigation and a list of people i spoke with also. As of today XX/XX/XXXX, i have gotten no updates or satisfaction so on XX/XX/XXXX i will repeat the same process again to all three credit bureaus