Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Transaction was not authorized

XXXX XXXXpersonal account {$130.00} & {$1300.00} I went to the bank to cash several checks. I was surprised that the teller available was someone I knew but she did not usually work at that location. 


Sometime in XXXX I started receiving calls that my account was in overdraft. I thought it was a scam at first. Finally after numerous calls I had to give them personal information and that is when I became aware there was a problem with my account. 

the bank claims That the teller gave me too much money back for my checks. I disputed that claim. I eventually met with a regional bank manager. I told the manager about my personal experience with this teller and that she was almost terminated previously because an incident concerning my husbands business and the teller giving out information that she was not authorized to give. 

The bank teller was fired for reasons unknown.. however I suspect it was due to the situation concerning transactions made that day concerning me, personally. The bank claims this teller gave me too much money when she cashed my checks. I dispute that claim. 

I have tried to call this regional employee but he doesnt return my calls. I am being harassed by phone calls and I would like the bank to open a full investigation or quit harassing me with phone calls.
Complaint sub-issue: Information belongs to someone else

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that the Credit Bureaus are not blocking files when theyre sent with an FTC XXXX report. Since it is a requirement by law XXXX5b of the FCRA, Im submitting this complaint to help establish a legal recourse. If the Credit Reporting Agencies choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove the following items as they are fraudulent & were opened without my consent or knowledge. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Complaint sub-issue: Transaction was not authorized

Filed a fraud claim with Bank of the West on XX/XX/2021 concerning a Business Checking Account, was advised at time that if the claim could not be resolved with ( 10 ) business days that a provisional credit would be issued, called back on 10th business day only to be told that businesses do not receive provisional credits only personal accounts do, inquired as to why this policy only recognizes personal accounts and was told that " Businesses have money and can wait ''
Complaint sub-issue: Reporting company used your report improperly

MY RIGHTS WERE VIOLATED WITH THESE CREDITORS XXXX XXXX WAS PART OF A CLASS ACTION LAWSUIT I WAS APPART OF FOR THE SPAM CALLS 10 TIMES DAILY MY ACOUNT WAS SOLD TO XXXX XXXX XXXX. XXXX XXXX AND XXXX XXXX XXXX NEED TO REMOVED OFF MY ACCOUNT CARMAX AUTO FINANCE MISS HANDLED INVESTGATION OF ACCOUNT XXXXXXXX XXXX MY ACCOUNTS WERE compromise XXXX XXXX  cut my cards off without my permission INSTEAD OF REPLACING THEM WITH NEW CARDS INVESTIGATION WAS NOT HANDLED PROPERLY XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX U.S.C.1681SECTION 602 A.STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C.1681 SECTION 604 SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C.1681C. ( A ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.

15 U.S.C.1681 2 ( A ) ( 1 ) a PERSON SHOULD NOT BE IF YOU ARE FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE
Complaint sub-issue: Information belongs to someone else

AS A CONSUMER, I NEED TO UNDERSTAND PLEASE WHY IS NOBODY LISTING TO MY COMPLAINS. THE CLOSED XXXX  XXXX XXXX ACCOUNT. THIS ACCOUNT WAS OPENED, MAINTAINED AND CLOSED BY SOMEONE ELSE WHOM I DON'T RECOGNIZE. I HAVE NOT AUTHORIZED THIS ACCOUNT TO BE OPENED, MAINTAINED. SOMEONE STOLE MY INFORMATION, AND OPENED THE FRAUDULENT ACCOUNT.
Complaint sub-issue: Account information incorrect

I submitted a payment on or about XX/XX/XXXX or XXXX 2022. The payment was received on XX/XX/2022 and funds released from my bank. I waited patiently and the total current balance did not update. In addition the outstanding principle did not change nor did the accrued interest amount. It is now XX/XX/XXXX and the information still has not changed. I called Nel Net- the service provider- on or about XX/XX/XXXX and informed they didn't know why it was not updated and a " specialist '' would reach out and I would receive a response within two business days. To date, I have received no such response. 
The total amount paid was {$1400.00}. spread over approximately 4 loans. My credit report reflects no such payments as my outstanding balance has not changed despite making a sufficient payment. 

Therefore my credit is being adversely affected as my outstanding balance has not changed in relation to this patient - resulting in increased interest rates and harming my reputation of paying my bills timely.
Complaint sub-issue: Information belongs to someone else

LOOKING OVER MY CREDIT FILES TODAY AND I SEE ACCOUNT THAT I HAVE NEVER RECALLED DOING BUSINESS WITH THESE COMPANIES. I HAVE SOME ADDRESS ON MY FILE THAT DO NOT BELONG TO ME. 
THE FOLLOWING ACCOUNTS ARE NOT MINE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX/XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX I have filed a Police report and a FTC ID Theft Report.
Complaint sub-issue: Was not notified of investigation status or results

on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Account information incorrect

I can not fix this with XXXX XXXX, as I do not have the full account number, nor do I have an online account with XXXX XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

For the past year I have contacted XXXX and Equifax with letters on inquiries on my reports that I did not authorize. I know that they are supposed to respond within 30 days and I had certified mail and I never got a response. These letters were sent off XX/XX/2020. In addition to the letters that I sent I also was on the phone several times and spent numerous hours waiting and getting hung up on. They did not want to a dress removing this information like ages didn't matter and it is affecting my ability to be able to acquire the credit that I want to acquire and I need these items removed.
Complaint sub-issue: Debt is not mine

I have sent several requests to RISE per the Fair Debt Collection Practices Act, 15 U.S. Code 1681, Fair Credit Reporting Act section 623 ( a ) ( 1b ) and section 623 ( b2 ) requesting the show me the documents required by law that they have to hold me responsible to this debt. Also 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 you post on a credit report. 

At this time I am submitting this as so that the FTC will have on record that I have attempted on numerous occasions to have this company obey the law and they have refused to produce the documents they are required to have on file to continue to report this derogatory information. I have been given no original contract bearing my signature or documentation of any kind. 

It was advised that I try to have this issue resolved though the mediation of the CFPB before I filed suit in state court seeking remuneration for several things including but not limited to : Violation of the FCRA, Violation of the FDCPA, Defamation of character and Identity Theft as they have opened this account without my knowledge or consent. I have lost opportunities due to this illegally reported information remaining on my credit profiles.
Complaint sub-issue: Investigation took more than 30 days

I have a complaint against us bank because I requested the care-act protection numerous times, but I was denied, they are ignoring my request, I requested a retroactive deferment and still no reponse.
Complaint sub-issue: Can't temporarily delay making payments

In 2015, I was in a really rough spot financially and got very behind on my student loan payments. I have since then, gotten in contact with my lender to establish a payment plan within my budget. But because of my rough patch in 2015, my credit score is struggling from all my missed payments.
Complaint sub-issue: Account information incorrect

Regarding Equifax Credit Bureau, my reported score dropped XXXX POINTS on XX/XX/22 with no significant changes to my history except XXXX balance DECREASING on credit account. I have had no recent hard inquiries on my credit, no dramatic balance increases, and no reported collections or late payments. XXXX XXXX XXXX both have not reflected this change, and despite signing up for a personal account WITH Equifax on XX/XX/22 for a closer look, there is no further information to be found. I find this unacceptable that there has been such a huge drop in ratings, especially with Equifax 's history of incorrect credit reporting in the past according to the national news reports. This is the SECOND complaint I have filed for unjustified changes in the last XXXX months.
Complaint sub-issue: Reporting company used your report improperly

I went to apply for a car and was told it would be one hard pull. After checking my report it ended up being way more than 1 pull. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX & XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I am contacting you regarding subject account erroneous credit reporting. I am demanding an immediate removal of this reporting from my credit reports as it is hindering my purchase of a home XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Mail code XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX ) XXXX The home at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was included in Bankruptcy XXXXXXXX XXXX XXXX of Mississippi filed XX/XX/XXXX and discharged XX/XX/XXXX. The Order of Discharge and list of creditors which includes XXXX Mortgage is attached to this email. 


XXXX purchased this property from XXXX Mortgage after the discharge of the Bankruptcy and proceeded to threaten me with foreclosure. I never acknowledged the validity of this account. It is unlawful to foreclose on property that has been included in a bankruptcy. .Apparently, this is a typical business practice of XXXX since there are so many lawsuits against them. XXXX sold the house and made a profit of over {$100000.00}. 


Again, I demanding immediate removal of the reporting of this account and any late payments and foreclosure from my credit reports. I
Complaint sub-issue: Information belongs to someone else

Equifax is repeating violating my rights, as well as the Fair Credit Reporting Act. Despite several correspondences I've had with them, they refuse to correct and continue to report inaccurate and unverifiable derogatory information about me. On numerous occasions over the last several years, including as recently as this morning, XX/XX/2022, I have requested verification of this debt per my consumer rights pursuant to the Fair Credit Reporting Act. They have allegedly verified this account several times electronically with the original creditor but never once to me as mandated by law. I have actually disputed this debt with the data furnishers several times, directly, but they have to date failed to provide proof that this account is mine, as requested per the FDCPA, so I am certain that Equifax has not properly investigated, verified or validated anything despite their claims to have researched and verified these accounts. On XX/XX/2022, two Equifax agents were reminded of the FCRA which states that, after reinvestigation, any information that is 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. Both agents admitted to being aware that the FCRA states this yet refused to comply with the FCRA and my request that the accounts be removed. They both insisted that I must file ANOTHER dispute so that ANOTHER " investigation '' could be performed, but neither provided me with proof of the investigation that Equifax claims has ALREADY been completed for the information that remains on my consumer report. They both also admitted that their dispute process doesn't even include an investigation that is in accordance with the FCRA and when asked for proof that they had my written permission to furnish a consumer report using my name, in the first place, they both admitted that they do not have any such proof or permission ( but still refused to remove the accounts furnished without my permission ). With that being said, I feel that Equifax is intentionally and willfully being neglectful in remedying my affairs. In light of recent investigations brought upon Equifax, they are truly undermining my confidence of the fairness and accuracy of their credit reporting methods, which is essential to the banking system.
Complaint sub-issue: Debt is not yours

Collection company is reporting that money is owed to XXXX. 
We do not owe money to XXXX, yet the collection company continues to report and pursue our family.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXXdays later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that a consumer reporting agency shall block the reporting of 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 days. I demand these account be deleted immediately or I will file for litigation due to the stress you cause me. My information was impacted by the XXXX data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Was not notified of investigation status or results

I attempted to get equifax to remove incorrect debt on my report in 2020 and never heard anything back. Shortly after, my account was locked for security purposes by equifax and they now will not release any information without obtaining copies of my drivers license or social security card. Even after I confirmed my identity with them through confirmation questions, texts to verify my phone number and my email address. They then put me through to a supervisor who was on a supervisor call but I was told it was going to be 1, 2 or 5 minutes. Ive now been on hold for over 15 while I write this complaint.
Complaint sub-issue: Problem with fraud alerts

XXXX, Equifax, and XXXX placed fraud alerts on my credit history without my permission.
Complaint sub-issue: Information belongs to someone else

I sent information to remove accounts on my report and they were unverified
Complaint sub-issue: Reporting company used your report improperly

My information was not secured properly by the company that is essentially telling other companies how trustworthy I am. After they became aware of the security breach, they waited for one month to report the information leak. I do not trust them to continue to act ethically with my information.
Complaint sub-issue: Card was charged for something you did not purchase with the card

When booking a flight through XXXX, I was subjected to a misleading booking incurring charges that I did not approve before clicking the box to buy the airline ticket. After the ticket was bought they charged my credit card {$70.00} in addition to the flight tickets??
When I brought this to the attention of Discover Card, they gave me a hassle and the next day sided with their much bigger " client ''. Everyone knows that XXXX has the best record in protection consumers from fraud or misleading selling practices, and apparently companies like Discover could careless, and need to be called out XXXX is lying to them, saying I approved their " travel related assistance ''. This is XXXX. We were booking a flight just like on any other online sight, then they declare they are a travel agent? They should spell this out up from and itemize their fees to consumers because we select " Buy ''. Because if you read all their poor reviews, BBB and many others, when you see their fees after booking and go to cancel ( within 24 hours ) they charge you a cancellation fee and change flight fee. They also intentionally book wrong days ( did it to me last earlier this spring..I thought it my fault until I read other consumer reviews ) I am saying as a consumer they need to disclose their fees up front, especially the " travel assistance fee which is vaguely hidden, but vaguely disclosed under the terms and conditions. This was not asked for nor was it approved. These companies are very sneaky with very confusing websites, done intentionally I 'm sure Discover has customer service attendants that do n't have to common sense to analyze and see deception and miss-leading consumer practices.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

1. I charged {$500.00} using my CitiBank Mastercard to my XXXX account on XX/XX/XXXX 2. I called the fraud division of CitiBank on XX/XX/XXXX to stop payment, as I did not recognize the transaction due to the poor description on the Citi statement ( description reads : XXXX XXXX XXXX XXXX there is no reference to XXXX name ) 3. Citi credited my account with {$500.00}, at this point I was no longer responsible for the payment for {$500.00}, and CitiBank commenced process of retrieving back the funds from the Merchant ( XXXX ) 4. XXXX deducted funds from my XXXX account on XX/XX/XXXX 5. I called CitiBank acknowledging the transaction and informing the bank that the transaction as legitimate on XX/XX/XXXX 6. Citi charged me {$500.00} on XXXX billing, statement attached for your review. 

7. CitiBank sent funds of {$500.00} to XXXX on XX/XX/XXXX. Transaction identifier has been provided to me. 

8. XXXX  claims that founds sent in XXXX, never was received by them and they never credited my account. 

9. XXXX claims they are unable to locate the funds. XXXX claims that money was returned to Citi as part of the chargeback process initiated with fraud report. I agree with this part of their statement. They however do not recognize the part that money has been send AGAIN to them on XXXX XXXX and refuse to credit my account. Citi Bank was notified about the issue, but it is not contacting the merchant nor crediting my account. I spoke several times with Citi reps and they state that since I took responsibility for the transaction, they will not investigate it as a fraud. The fact that money sent back didn't make to the merchant, is of no concern. They stated that they never tried to contact XXXX and resolve the dispute. Citi never investigated what happened with the money, they only state that it left the bank. I request to be refunded, Citi did not deliver the funds to the intended recipients, they never even tried to state that they fully investigated what happened to my money.
Complaint sub-issue: Account opened as a result of fraud

Good day : The CFPB option, ''-which best describes your dilemma? '' provided is not adequate ; describing the reason, the name of my complaint against Citibank. H I have two accounts ; Money Market. Acct. number XXXX XXXX XXXX Checking Acct. number XXXX XXXX XXXX. 

Personal Banker. XXXX XXXX, Personal Banker. 
Citibank, NA. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL. XXXX XXXX and her branch mgr stated I could not have POD 's on my accounts. 
Instead, they would be held in trust in the event I die. NONSENSE! 

The purpose of establish an account with a POD is to provide my son with immediate access to the money when I die. 

By leaving the two accounts in trust, the monies would conceivably be tied up for years before there was a decision made by the Judge / the Court. 
NONSENSE! Total investment ; {$15000.00}. 

This is OUTRAGEOUS! INVESTIGATE. This is a SELFISH ACT. 
TAKE ACTION IF MY UNDERSTANDING OF this dilemma is correct. 

Do respond one way or another. Thanks. 

XXXX XXXX. Ph. # XXXX XXXX. 
Screen name. XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Equifax has been provided all documents, police report information, and identity theft report but refuses to remove : 1. XXXX XXXX XXXX, collections account XXXX is violating my rights
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX account # XXXX  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: Can't get other flexible options for repaying your loan

After having a student loan for years with Mohella, and having many problems with Mohella reps, who I could not understand due to the language and professional barriers, I have been banned from calling Mohella. It is not my responsibility nor job to deal with unprofessional conduct, therefore I can not resolve my student loan issues.

Additionally I have worked in a XXXX for over 20 years and it is my belief that this loan should have been totally forgiven.

Additionally, I would respectfully request a full apology from Mohella when this is resolved. 

Respectfully, XXXX XXXX
Complaint sub-issue: Personal information incorrect

I previously submitted a complaint regarding my name on my Equifax credit report. The company has mailed me information indicating my name is corrected but, my name is still incorrect on their website and on the letter addressed to me. My feedback on the previous complaint was that the company had not resolved the issue. I need to ensure my name is correct on my credit report, including the information viewable in my online MyXXXX account. 
This is my previous complaint ID : XXXX