Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Indicated committed crime not paying

After I refinanced my ho me US Bank sent 2 escrow ove rage checks. I deposited both checks, waited for the checks to post to my account then used the extra money to make a payment to my credit card. After the payment cleared I learned  that 1 of the checks was returned unpaid. I learned from my bank that a stop payment had been issued on one of the checks. After several phones calls to US Bank I was told that they, US Bank had made a mistake on the closing and that the payo ff would have been short which is why they stopped payme nt on one of the cheks. I was also told that a representative of US  Bank had contacted me on  XXXX   XXXX ,   XXXX   the same day the stop payment was issued to explain that i should not cash the {$1400.00} check becuase it would short the pay off. That conversation never happened and the check was mailed on  XXXX   XXXX ,   XXXX  . My records prove that call never happened and I had no way of knowing that the check was no good until it bounced. I have se nt 2 demand letters via certified mail along with phone records that prove they never called but the repose was the same. " We apologi ze for the inconvience '' but they refuse to take responsiblity for the damages except for the nsf fee of {$10.00}. Because they made NO attempt to contact me verbally or in writing, mailed the check even after they stopped payment on it resulted in dilberate and intentianal fraud. This " mistake '' was more than an inconvienece it cost me over {$2800.00} and all my savings to cover the overdraft. All they had to do was notify me and this would have never happened. They took every precaution to protect themse lves and not one attempt  to protect my interest.
Complaint sub-issue: Threatened to sue you for very old debt

I was contacted by someone claiming they had legal documents that were returned to them using my current address. She said to contact the attorney at XXXX using case XXXX XXXXXXXX regarding a civil lawsuit. 
Upon calling this number, I spoke with the " attorney, '' who claimed I was being sued for {$13000.00} for a Citibank Credit Card allegedly opened in XXXX. The settlement she offered was {$1800.00}. When I pressed for more information, such as the principle balance and other details -- seemingly amused, she laughed and scoffed. I questioned her about what was funny, and she sarcastically stated she was trying to help but was not forthcoming about any details. 
I did not open a Citibank visa in XXXX, and the address she provided at the time the account was opened was an old address from which I moved in XXXX. I mentioned I do not know such an account. I enjoy exceptional status with my current and up-to-date relationship with Citibank. I doubt I would be approved and issued the credit card I have with them if I was in arrears with them. Further, it is bothersome that they have personal information, including SS #, address, and phone #, attached to this false claim -- which has never been on my credit report and is XXXX XXXX XXXX. 
Further, she claimed and was implying that they would continue action against me if I did not settle this debt. 
This episode is not the first time a collector has attempted such an action. Looking at previous claims in my history, you will see that three different law firms have tried the same tactics for Citibank. 
XXXX, XXXX, and XXXX is the name of the current firm.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Complaint sub-issue: Information belongs to someone else

i been reporting these fraudulent accounts to the three credit bureaus for a while and still havent removed them from my accounts XXXX equifax XXXX
Complaint sub-issue: Debt was result of identity theft

I called XXXX  Visa ( XXXX XXXX XXXX ) they have a derogatory account on my credit report that they sold to two different collection agencies XXXX XXXX and XXXX. I have never had an account with this company and they are unable to find me in their system. They wouldnt provide me any assistance with this issue. The document that the collection agency XXXX provided has an address listed on there that is not a real address when you google it. I provided the company my social and the card number listed on the paper. This a fraudulent account and this company is selling my information to companies for a debt that is not owed to them. They transferred me to another collection company who isnt listed on my credit report but, wouldnt provide any additional information about XXXX  visa.
Complaint sub-issue: Account information incorrect

I am interested in disputing my credit report with Equifax checking my file ive noticed alot of invalid information that is hindering my file. all data should be 100 % accurate on each file and it is currently not. update all information requested.
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these accounts XXXXXXXX XXXX XXXXXXXX XXXX : {$11000.00} ; XXXX XXXX XXXX XXXX XXXX {$31000.00} ; XXXX XXXX XXXX Balance : {$27000.00} ; XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ;
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I have been going back and forth with Discover Card for the last 3 months. I have lost at least 1.5 days off of work having to talk with different departments within Discover Card company. Beginning in XXXX, 2017, through XXXX, 2017 ; I found that my card was charged over XXXX in charges to one merchant ( XXXX XXXX XXXX ). I only found this out when I received an email from the company that my credit card was at it 's limit. I talked with at least 10 representative stating that I did not make these charges over the course of 1 week. I was at first credited the charges on my account, and then after their ( Discover 's ) investigation stated that I am responsible. I then spoke with Discover and asked them what measures they have to protect me if charges are made to my card that are EXTREMELY set afar from my normal uses. Again, I was told that they will investigate. On X/XX/17 Discover credited my account for {$5500.00} stating it is a transfer balance. I received no notice or explanation. They also credited my account for {$780.00} on XX/XX/XXXX. When I seen that they credited my account for the full charges, I immediately paid off any other balance and closed the account. I told them the reason is I had no protection from this company and I was very unimpressed with how they treated me as a customer. Today, I received an email from Discover stating this : This is an alert that you set letting you know when your Discover card account balance is over {$500.00}. Unless your alert amount is set at your credit limit, this does n't mean that you 've gone over your credit line. Balance Alert Amount : {$500.00} Current Account Balance : {$5300.00} Credit Line : {$7200.00} Date Exceeded : XXXX XXXX, 2017 They have now charged my card again, yet a different amount of XXXX. My brother works for the XXXX XXXX and he said, before calling the company again, to seek assistance with the Protection Bureau. I have included the last 5 months statements to show the transactions the company continued to approve and the proof of transfer balances, credits, etc. Any help in getting this resolved would be greatly appreciated. Thank you
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

XX/XX/2020 dispute amount {$2800.00} dispute ID : XXXX AND XX/XX/2020 dispute amount {$15000.00} dispute ID : XXXX ( above charges are for the cruise deposit and final payment ) Total dispute {$17000.00} The above disputes are from charges to my account by XXXX XXXX line for a trip that was cancelled because of Covid19. The trip was scheduled for XX/XX/2020 Services were never received from XXXX XXXX XXXX. 
Citi Bank Visa has been stonewalling the reverse of these charges using the excuse that the Cruise Line was not getting back to them. Meanwhile, I am out a significant amount of money. 

XXXX XXXX XXXX drastically changed the itinerary of the original cruise which was basically a cruise to XXXX to a Cruise to XXXX and XXXX eliminating 7 XXXX ports and adding 2 days at sea. This was not acceptable to me. 
All of the above has been explained to Citi Bank Visa and they refuse to make this right by reversing the charges to my account
Complaint sub-issue: Unable to receive car title or other problem after the loan is paid off

Loan has been paid off 2 weeks, and i still do not have my title.

I have called multiple times.

I have emailed multiple times, and gotten no reply.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the Fair Credit Reporting Act XXXX Account Inquiries below 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. Below is a list of unauthorized inquiries I have repeatedly disputed with Equifax and they refuse to provide me with verification because there is none. I never submit to these fraudulent inquiries. 

XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2021 XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XX/XX/2021 XXXX XXXX XXXXXXXX # XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, VA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XX/XX/2021 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX XX/XX/2021 XXXX XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/2021 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/2021 XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX
Complaint sub-issue: Information belongs to someone else

I have proven that these accounts do not belong to me and that the information is not accurate and the companies continue to place in accurate information on my personal credit file. I have no other choice but to try to rectify this false informations being reported on my personal credit file.
Complaint sub-issue: Reporting company used your report improperly

My private credit information was accessed in the Equifax security breach discovered by the company on XXXX XXXX, XXXX. This causes me to be vulnerable to identity theft and creates significant anxiety. I filed a complaint with Equifax on XXXX XXXX XXXX, at which I time I registered for identity protection services through TrustedID Premier.
Complaint sub-issue: Information belongs to someone else

I'm currently in a divorce. Sometime back in XXXX I had an alert that my credit had dropped. My score at the time was about 810. Logged into and reviewed my credit cards and noticed a Discover card with a {$20000.00} balance. I called Discover explained my concern. Sure enough the acct was opened by a mail in. Card is in my name but ex is the only authorized user and her cell and email address was listed as contacts. Discover refused to give me the full acct number. They opened a fraud case. Discover does send me the statements. There was a XXXX balance at date of separation. In two months ex charged {$20000.00} out of spite on a card I had no knowledge of. Discover got back to me and said after reviewing, there was a few payments made from a joint checking acct, I also didn't know about this acct either! So because of this loop hole they could not charge fraud. I've called several times, spoke to many reps and basically get a new story each time. I even went to the police attempted to file charges, their hands were tied too. On XX/XX/XXXX I called and spoke to XXXX # XXXX. He informed me that if I made a {$200.00} payment then Discover would re-open the case and then this would be taken off my credit. They have yet to keep their end of the deal. I have the money to pay in full and will but I want my once perfect credit to be restored. I'm a victim of Discover being able to send a mail in request for card, loop hole of payment being made from checking that had my name and a malicious ex. All I'm want is my credit restored to the XXXX it was and Discover can have their money IN FULL!
Complaint sub-issue: Other problem getting your report or credit score

XX/XX/2021 I tried to access equifax.com because of possible fraud alert from my employer. The website rejected my attempt to create a new account because supposedly I have an account already established. Using my current email address I requested a new password, and I entered the access code they sent to my current mobile phone. Despite several careful tries the site repeatedly denied access because my info didn't match their records. 

Then I called their customer service, went through all the menus to get to the get-help-other, including giving my name, DOB, SSN, and phone #. This just got me to another automated message which said my info didn't match, and it hung up on me. Second try again didn't allow any way to request to speak with a live person. 

Next I returned to the website to try to email customer service, but this kept booting me back to the FAQ page.
Complaint sub-issue: Transaction was not authorized

1 : XXXX XXXX XXXX keep taking {$1400.00} out of my checking even we made an agreement of {$230.00} per month 2 : XXXX allow me to wait 60 days no caroaument and credit card payment but still tried to charge my bank accounts in 6 loan regarding car payments. I took them of autopsy in XXXX since they double taking out my Carpayment just my XXXX was paid 3 times in last XXXX. 
3 : I stop XXXX, XXXX XXXX all my credit cards payments inc car loan in XXXX since the corona virus start affecting us early XXXX close office XX/XX/14 as we where ask to do but everybody kept on trying to make me pay so my bank of the west charge me over {$3100.00} just for month of XXXX in overdraft fees I asked them to return it as they refuse so I bunch payroll taxes etc cost me over {$300.00} in payroll fees etc. My employees did not get paid. So in XXXX I had to freeze my account since all my billing insurances companies Have direct deposit with me. So its 36 different insurance companies so it is a kit if work for me to upload new checks do on and it took me 2.5 months to get a ppp loan. My rent had not been paid they are still letting checks in charging me overdraft fees even when I have money in the bank. This bank of the west in XXXX XXXX need to be discipline. I live I. XXXX XXXX small town about 180 000 and its a very hardship on me and my husband. What can I do. Please help us out here XXXX. My husband is over 80 still working and a great XXXX
Complaint sub-issue: Problem getting my free annual report

I sent in a request for my free annual credit reports. i selected all XXXX reporting agencies to respond. as of today, XXXX XXXX, 2015, i have received only the XXXX report, dated XXXX XXXX, 2015 and the XXXX report, dated XXXX XXXX, 2015, but i have not received the EQUIFAX REPORT. 
EQUIFAX HAS NOT SENT MY FREE ANNUAL CREDIT REPORT THAT I REQUESTED IN EARLY XXXX 2015. THEY HAVE NOT RESPONDED FOR XXXX YEARS NOW. I HAVE HAD TO REQUEST THE INFORMATION MORE THAN ONCE FOR XXXX YEARS. PLEASE HAVE THEM RESPOND TO MY REQUEST AND ALSO PLEASE FIND OUT WHY THEY IGNORE THE FREE REQUESTS. THANK YOU.
Complaint sub-issue: Account status

Have contacted all XXXX reporting agencies on an XXXX XXXX issue where the account was settled in XXXX 2011. Part of the settlement, which they agreed to, was that they would not report negative information on my credit file. The Cause No was XXXX. Have provided this documentation to the reporting agencies and yet they continue to report negative information on my file.
Complaint sub-issue: Other problem

I received a letter from DISCOVER dated XX/XX/XXXX in which I was asked to provide updated information on " citizenship and occupation ''. It was stated in this letter that this information was needed " to meet government guidelines that prevent money laundering and terrorist financing ''. I was provided a choice of either going online or calling the number on the back of my credit card in order to provide this information. 
I did neither! I was appalled at what was being asked of DISCOVER customers! 
It is a known fact that questions about citizenship and employment/occupation are requested when one first applies for a credit card. I was also informed that the only government required information from a credit card customer is an actual physical address ; this being an outcome of XXXX when terrorists were using PO box addresses. 
I contacted XXXX by phone on XX/XX/XXXXand sent an email to them to report what I felt was overreach, potential profiling and misleading content in the DISCOVER letter which could cause individuals to provide this information believing that it is by government mandate when it clearly is not. I also addressed this issue directly with a DISCOVER representative in a recorded phone conversation onXX/XX/XXXX. I have further addressed this important issue with the Better Business Bureau and now with the CFPB - both as of today XX/XX/XXXX. My purpose is to enlighten consumers as to what is being asked of them by DISCOVER and how it is being asked.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Constant fraudulent inquiries keeps showing up on my reports, i have tried to get them off and the companies and consumer credit agencies refuses to correct them no matter what i do. 
fraudulent inquiries on XXXX credit report. 

Ally Financial from XX/XX/XXXX XXXX  XXXX XXXX  XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX from XX/XX/XXXX this was on all 3 reporting agencies
Complaint sub-issue: Information belongs to someone else

I have accounts reporting on my report that do not belong to me. I have tried to get them to remove it but they will not. 

- XXXX XXXX - {$10000.00} - Opened XX/XX/2019 2019
Complaint sub-issue: Their investigation did not fix an error on your report

Send out 2 section 609 letter but company never send proof has requested but keep reporting accounts on credit report inaccurate copy of letters 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. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


I demand the following accounts be verified or removed immediately Name of Account Account Number 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 Thank you for your prompt assistance in this matter. 
Sincerely XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
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 XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I check my credit report and I found fraudulent accounts not belongs to me please removed them.
Complaint sub-issue: Problem using a debit or ATM card

My bank has to be the only bank that never wants to answer the phone, never wants to look into my disputes and then lies about dispute forms not getting recieved. 
I filed a few disputes in the past and they claim that I never sent the forms in and it was denied. This I said a lie, because a woman called me and asked me to tell her what I wrote because she didn't understand it. When I filed my first complaint, the woman that was talking to me had no idea her company was owned by comerica. She never filed the disputes and I got stolen from. They send letters stating they see no error. Hello? I'm telling you I didn't make this transaction or I didn't get my order. How's that not an error itself?! 
When I call after disputes, andnput my tracking id they say all reps are busy and hang up. When I finally get a person they transfer me but the line disconnects. Every time!
Complaint sub-issue: Debt was paid

This debt was paid off XX/XX/XXXX. ProCollect ( the company ) accepted payment for all debts in their offices in XXXX, XXXX. XXXX XXXX received notice from the company on XXXX/XXXX/XXXX that all debts had a XXXX balance and as part of the agreement, the debt would be removed from his credit report ( proof of this email exchange has been sent to the company 22 times, final receipt was by certified mail on XXXX/XXXX/XXXX. ) After collection attempts continued, the CFPB was notified and a case was opened ( XXXX ). The result of the case was XXXX XXXX would no longer be receiving phone calls from the company and the item ( s ) would be removed from his credit report. The items were removed from the report, then subsequently added back to XXXX XXXX ' credit report. ProCollect has violated the Fair Debt Collection Practices Act and with malice has caused due harm to XXXX XXXX. Representation of ProCollect has not been accurate, nor have they been lawful.
Complaint sub-issue: Didn't receive enough information to verify debt

FLAGSHIP CRD. Account # : XXXX I have contacted this to remove this unauthorized account from my credit report on several occasions.