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

I had a payday loan company by the name of XXXX deposit funds into my checking account, the deal was that I paid them back on that day and then they could loan me {$2000.00} because I then had a payment history with them. Needless to say, it was a scam and the deposits they made into my account got returned. The bank is saying it isn't their fault so there's nothing they can do. This has resulted in my account being overdrawn hundreds of dollars and they just won't do anything, I tried telling them about the company who pretends to be a legit company, they admitted they know it's a scam but still won't help me or do anything to protect consumers. I get that it's not the banks fault, but most fraud and banking issues aren't the banks " fault '' per say but they still have somewhat of a responsibility to handle things when their clients get scammed. I have reported the company to the REAL XXXX XXXX XXXX. I already have called, emailed and visited the bank in person and all I get is an attitude and told it's not their problem. This put me in a terrible spot where the little money I did have was taken and they just continue to put the account more in the negative every day that goes by. This has taken a minute because I sent the original complaint to the Comptroller of the Currency and apparently that was the wrong governing board for this issue. Please help, it is not ok for this to happen.
Complaint sub-issue: Account terms

Student loan information entered XXXX ( same loan amount and acct number listed XXXX times ) on list of owed liabilities on my credit report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act these accounts have violated my rights Dept of Ed/XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C. 1681 section 602 A states I have the right to privacy also states a consumer and reporting agency can not furnish an account without my written instructions
Complaint sub-issue: Debt was paid

When I vacated apartment to purchase a home, XXXX XXXX ( complex ) charged me for costs associated with maintaining a pet in addition to retaining the {$300.00} deposit. During this time the complex was acquired by XXXX XXXX, a large firm with XXXX. I paid the charges in full during the transition from XXXX XXXX to the acquirer, XXXX XXXX but the accounting systems between the XXXX did not account for all the payments made. I contacted XXXX at XXXX XXXX and the matter was resolved after getting harrassing calls and letters from Hunter Warfield, another collection agency. Subsequently and for a long period of time, Hunter Warfield ceased collection efforts on this previously paid debt. Now, recently they have apparently shifted collection efforts to yet another COLLECTION agency XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CO XXXX. ARC resumed collection activities on this paid obligation, calling my place of business and home and even my father 's home number in another state. I have written them and advised them to cease collection efforts, referring both to Hunter Warfield correspondence as well as that of XXXX XXXX the entity who has confirmed that the obligation is fully extinguished. Had XXXX XXXX proceeded with filing the claim on my renter 's insurance at the time, the charges would have been fully paid by the insurer. As a result, XXXX XXXX XXXX XXXX XXXX should in fact reimburse me {$720.00} in monies I paid as a result of them failing to proceed with filing a claim as requested.
Complaint sub-issue: Problem with fees

I opened a credit card account at Citibank a few months ago. In the past two months I have never received a statement, by mail or email, or a notification that my statement is ready and to logon to see my account. I was just charged interest on my balance, which I only discovered due to downloading transactions in XXXX. 

I feel that charging interest and late fees without any notice is unfair and deceptive practice. 

I have checked my inbox, spam file and trash file in my email to verify that no notice was received. 

I spoke with Customer Service who refused to rectify the problem.
Complaint sub-issue: Called after sent written cease of comm

Alliance One was sent a cease of communication notice on XX/XX/XXXX. They began calling my cell phone again on XX/XX/XXXX and XX/XX/XXXX. I sent another cease of communication letter on XX/XX/XXXX via XXXX, which they received on XX/XX/XXXX. On XX/XX/XXXX I received another phone call. I have not received any written communication from them.
Complaint sub-issue: Information belongs to someone else

Please delete all allegations which are not demonstrated in clarity to be true, correct, complete, timely, mine, my responsibility, or else wise fully compliant.. I disputed the accounts but Equifax failed to send me evidence of the accounts in question.. XXXX XXXX XXXX XXXX , XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

I was affected by Hurricane Harvey, XXXX XXXX did a 12 month forbearance on XX/XX/2017 and now they reported late payments to my credit report lowering my credit score 100 points. I never received a delinquency notice or email or phone call about late payments. They don't want to remove negative credit reporting and i need a loan to fix my home. I lost everything and this is the last thing I need! I need to rebuilt my life. 

Thank you
Complaint sub-issue: Information belongs to someone else

Ive tried contacting XXXX to let them know that my identity has been comprised because ive never had service with them although they refuse to remove this black mark from my credit report. I 'm filing to have them remove this fault debit from my all three credit bureaus.
Complaint sub-issue: Deposits and withdrawals

I contact US BANK to dispute an fraudulent transaction and I was told this fraud on my savings account can't be disputed when I told them they have my account number the transaction showed my bank account this is Not an Error this is FRAUD money was taken out of my by using my account number which means my account has been compromised and I have sent the claim in for ACH entries I didn't know it was on my account until I looked through all of my transactions and saw this transaction for {$75.00} done on XX/XX/2018 # XXXX
Complaint sub-issue: Debt was paid

I have paid off the account with IC systems on XX/XX/2020. I am purchasing a house and will have my credit pulled again in the next 30 days. I need this collection account removed from my credit report and to NOT appear again ... I was told that it will not be removed for another 30/45 days. This is unacceptable Please remove ASAP
Complaint sub-issue: Reporting company used your report improperly

I will be filing a civil lawsuit for violations of my federally constituted rights under 15 USC 1681 I will be seeking {$1000.00} dollars per violation. As noted there are at least 4 violations committed by XXXX Credit Bureau, and Equifax Credit bureau It is my request to the delete the accounts or pay me {$1000.00} dollars per violation ) 15 USC 1681section 602 ( A ), 15 USC 1681 section 604 ( A ) 2, 15 USC 1681c ( a ) ( 5 ) 15 usc 1681s-2 ( A ) ( 1 ) in accordance with The Fair Credit Reporting Act. CFPD Submitted in complaint # XXXX, XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX- XX/XX/XXXXXXXX XXXX- XX/XX/XXXXXXXX- XX/XX/XXXXXXXX XXXX- XX/XX/XXXXXXXX XXXX- XX/XX/XXXXXXXX XXXX- XX/XX/XXXXXXXX/XXXX- XX/XX/XXXXXXXX XXXX- XX/XX/XXXXA computer glitch that was XXXX problem - not mine - caused my inquiries (most were fraudulent and unauthorized) to be deleted. Which they did not remove after I told them they were fraud. I just had paid off my car so why would I purchase another one?XXXX later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted XXXX in good faith to ask them to delete the inquiries that they had illegally re-added. I explained that these inquiries add a hardship and that my rights were violated by XXXX. I’m asking CFPB to help my make XXXX stop victimizing me.
Complaint sub-issue: Reporting company used your report improperly

I am a victim of the identity data hack of Equifax, per their online checker.
Complaint sub-issue: Their investigation did not fix an error on your report

The monthly payment, terms, credit limit, past due, and date of the last payment is missing in this report. Balance should not be reported under a collection/chargeoff account! Also, the date of the last activity on each bureau was reported differently on this account. All dates should be reported the same! I do not remember owning this particular account. I've asked the agency to provide signed paperwork that proves that I really own the questionable account but they have not complied as of the moment.
Complaint sub-issue: Deposits and withdrawals

so this is second time the bank has frozen my account. I went to a near by branch to help me unblock my account so I can be able to use my card, so I can put gas in my car. Mind you, I was already on my way to my job training at work, when I my gas light came on. Me already knowing that my account was blocked and I was not able to use my debit. I had to wait for a branch to open which it was a Saturday XX/XX/2021. I walked into the branch and explained to the banker my situation. So unblock my accounts, a banker had to call the fraud dept, so the banker can let the rep of the fraud dept know, and verified my identity. In which the banker was on the phone for over 2hrs. And I had already let my trainer know, that I was going to be late. Since the banker took over 2hrs, I could not make it to my day of training and was told that a HR rep would call me.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2020, I sent a third party debt validation letter to I.C. Systems, Inc. requesting any contractual agreement between me and their agency and to this date no proof of validation has been submitted to me as demanded. I have never done any business with this agency nor do I wish to do so. The alleged debt has a fraudulent charge amount associated with the account. By law pursuant to 15 U.S.C. section 1681 s-2 of the Fair Credit Reporting Act ( FCRA ), I.C. Systems, Inc., has failed to validate the this alleged debt in the allotted ( 30 ) day time frame pursuant to 15 U.S.C. 1681 ( g ) ( d ). They have NO signed contract with my signature stating that I gave them ANY permission to access my credit reports which is a violation pursuant to 15 U.S.C. section 1681b.
Complaint sub-issue: Trouble with how payments are being handled

I sent a notice in writing to the lender ( Pennsylvania Higher Education Assistance Company/XXXX ) that I wanted them to stop putting my account into paid ahead status. I instructed them to apply overpayments to the principal balance of a particular loan. I received a letter from the lender on XX/XX/2018 stating that they approved my request. However, the lender has not complied with my request. In both XX/XX/XXXX and XX/XX/XXXX, the lender put my account into paid ahead status, and has not applied the overpayment to the principal of my loan as I requested. My account is still in paid ahead status today, and overpayments have not been applied as I requested.
Complaint sub-issue: Problem getting your free annual credit report

Sage Stream will not send me a copy of my consumer file.

I requested a copy of my consumer file via their website in XXXX of XXXX. They sent a letter that they needed additional address verification proof and I sent the documentation via certified mail on XX/XX/XXXX. I never received a response or a copy of my consumer file. 

I sent another request via their website on XX/XX/XXXX. I received a letter on XX/XX/XXXX asking for the same proof of address documentation as before. I attempted to fax per their instruction, but the fax number had a " line fail '' error code each time I tried to send. So, I sent the info via mail ( along with that same info for the request for a security freeze ) on XX/XX/XXXX. 

To date, I still have not received my consumer file. All of the requests/back up documents were submitted in the same envelope and the security freeze was placed on my file, so that confirms that they have received all of the information. Yet, they still have not sent me my file.
Complaint sub-issue: Reporting company used your report improperly

In accordance to the Fair Credit 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, has violated my rights XXXX 

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

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may take 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. 1681s-2 ( A ) ( 1 ) A person shall not furnish information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.
Complaint sub-issue: Reporting company used your report improperly

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX Fraud Account Thx Delete account XXXX XXXX XXXX XXXX Fraud Account Delete Please Discover card XXXX Not My account please delete
Complaint sub-issue: Account status

Previously, I submitted a complaint with Equifax about negative reporting from XXXX ( XXXX ), and they said if new evidence was found, I could open a complaint. 
I found more evidence and submitted a complaint XXXX XXXX XXXX, this is pending. HOWEVER, I now have even more evidence to remove the unfair negative reporting : I contacted XXXX to get the original dates of the negative reporting ( XXXX ), and would like to add that to the original dispute ( XXXX ). 

XXXX provided dates of the original debt, which was last paid in XXXX 2008 : 8 years and 1 month old. Even if XXXX or XXXX bought a debt from XXXX, they should not be able to report negatively on an item OVER 8 YEARS OLD.
Complaint sub-issue: Was not notified of investigation status or results

The problem started with the credit report Equifax created for me in the year of XXXX making my date of birth XX/XX/XXXX, while I worked for International Paper Mill after being laid off for a week and going back to work with my daughter 's SSN as my SSN and later all other applications that have been filled with my daughters SSN number instead of my SSN number and the fraudulent through Prosper MarketPlace in the year of XXXX, after realizing the in the year of XXXX that the loan was fraudulent I filed several reports with the FTC, Police Dept, and Consumer Protection Bureau of Arkansas. I filed a claim through XXXX XXXX XXXX XXXX, which represents EQUIFAX, which as of today XX/XX/XXXX, I have not receive any response from the company on my claim and it has been two years with no response at from the insurance company. Like I have stated in many of the complaints I have filed with you all Equifax is the reason I am no longer at XXXX XXXX XXXX putting me into situations of creating hostile and criminal activities against mY daughter and myself for the past 19 years going on 20 years. My daughters and I are part of the Equifax Data Breach for the year of XXXX which has tremendously put me in a crisis for the past 19 years of my life from jobs to financial matters that has been overwhelming to me to recover from this loss since I left XXXX XXXX XXXX in the year of XXXX started at XXXX XXXX XXXX on XX/XX/XXXX or XXXX of XXXX, not in the year of XXXX XXXX
Complaint sub-issue: Personal information incorrect

Company has wrong addresses work place on my consumer report and should only have my correct name on report XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX Target Correct name ( XXXX XXXX XXXX ) any thing other than this should be changed or fixed.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4400.00}, {$430.00}, {$700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$430.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$700.00} -This is not my account.
Complaint sub-issue: Was not notified of investigation status or results

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2017, DISCOVER BANK added a derogatory mark on my credit report per XXXX. Upon further research, this charge-off does not belong to me and should not be reported on my credit report. The debtor 's creditor did not verify this Account. Also, there was NO written form of communication, contract, or writing signature for this accused debt at all. According to the FCRA, DISCOVER BANK has violated my rights as a consumer, and I'm requesting legal action to remove this account immediately.
Complaint sub-issue: Threatened to take legal action

This debt collector was continuously calling me on the phone and I had to tell them to please stop calling my phone my job to just stop bothering me. So now they went out of their way to actually send a physical person to my girlfriend 's house with fake documents stating that they are suing me for the debt, that is harassment and I want something done about it
Complaint sub-issue: Reinserted previously deleted info

Account was disputed multiple times and validated as correct, I then sent IRS XXXX showing their report was incorrect and they finally corrected. They are now reporting the old information and again have stated they validated as correct even though I have provided proof the account has been settled and has a XXXX balance.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX Date : XX/XX/2019 I was speaking to a sales representative and i was told he would not run a hard inquiry because I am a current customer. He did run it and admitted he was wrong. They stated they can not remove inquiry ad do not know-how. I have contacted them and spent hours on the phone and no response. Please have them reported and I would like to take legal action if not removed,
Complaint sub-issue: Debt was result of identity theft

I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. On XX/XX/XXXX, I the consumer, a natural person sent Great Lakes an affidavit of fact and they default on the rebuttal. Law states you have to rebuttal with a rebuttal or the affidavit stands as true. 
Affidavit uncontested unanswered [ United States v. Kis, 658 F. 2d 526,536 ( 7th Cir.1981 ) ; Cert . Denied, 50U.S.L.W. 2169 ; S. Ct. XX/XX/XXXX ] " Allegations in affidavit in support of motion must be considered as true in absence of counter-affidavit ''. [ Group v Finletter, 108 F. Supp. 327 Federal case of Group v Finletter, 108 F. Supp. 327 ] An affidavit uncontested unrebutted unanswered, Morris v. National Cash Register, 44 S.W. 2d 433 Morris v. National Cash Register, 44 S.W. 2d 433, clearly states at point # 4 that " uncontested allegations in affidavit must be accepted as true. 

On XX/XX/XXXX, I sent a Default and Opportunity to Cure with an invoice of consumer laws broken. They still defaulted with no verification of their claim against me. ( a sworn affidavit )
Complaint sub-issue: Can't get flexible payment options

I have been repeatedly working to consolidate my student loans, seeking a short term forbearance until the process is complete. Due to financial hardships and a recent divorce, I am not able to make the payments as agreed. I have been repeatedly harassed by the EDUCATIONAL CREDIT MANAGEMENT CORP, XXXX XXXX XXXX XXXX, XXXX MN XXXX Phone # XXXX, who is trying to collect on XXXX loans that were cancelled by the XXXX XXXX XXXX. I am seeking a consolidation of all students loans and currently awaiting a decision from XXXX on the short-term forbearance. I was deceivably told I can not apply for a consolidated loan or forbearance because my loans were in default. Per the Department of Education, I am told I do have to option to consolidate : XXXX
Complaint sub-issue: Account status incorrect

This does not suffice after viewing my credit report it is till in accurate, they are showing my creditCredit cards or credit lines Total balance : {$4000.00} a XXXX credit line of XXXX and a XXXX of XXXX this is in accurate information the XXXX  reports as a charge off which under the 15 U.S.C. 1681 - U.S. Code must report correct information I want the amex removed as a line of credit do the incorrect amount which was a XXXX dollars and the account has been sold and use as a tax write off