Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; DEPT OF ED XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

Someone had stolen my Identity ( SSN and other ) and applied the personal loan in company called " Salary Finance ''. We have noticed that recently when we pulled our credit report. I have given below the loan details. 

Company gave the loan - Salary Finance Inc Loan Amount - {$10000.00} Monthly Installment is debited from Pay check since XXXX We have reached out " Salary Finance Inc '' to close the account and reimburse the money. But they closed our request saying that they didnt find any fraudulent during their investigation even though we have submitted all the proofs. 

I have attached below documents for your reference. Please let us know if you need more details. 

XXXX.XXXX  - My Driving License XXXX - My XX/XX/2021 Pay check PoliceReportXXXX  -> Police Complain Report filed by us FTC_IDTheftReportXXXX  -> FTC ID Theft Report XXXX.XXXX  -> XXXX  XXXX Report SalaryFinance_MailAndEmailCommunications.pdf XXXX Email Communication between Fraud person and Salary Finance SalaryFinance_LoanAgreement.pdf -> Salary Finance Loan Agreement SalaryFinance_FraudBankAccount.pdf -> Fraud Bank Account for Loan Proof SalaryFinance_DirectDeposit_ACHForm.pdf -> Fraud Person Direct Deposit ACH  form SalaryFinance_XXXX Fraud Claim_Closing.pdf - Salary finance closed the complaint that we raised XXXX_Letter.pdf - Letter sent to XXXX  to remove this entry
Complaint sub-issue: Didn't receive advertised or promotional terms

I received a promotional email by Citi bank on XX/XX/XXXX which said I will be given a XXXX dollars credits if I use my Citi credit card to purchase XXXX dollars or more through XXXX in 2 months. I did as follows. But four months passed, I have not received my bonus.
Complaint sub-issue: Non-sufficient funds and associated fees

On my bank account I have {$940.00} from a resource that I absolutely know nothing about sir-mam ; why
Complaint sub-issue: Funds not handled or disbursed as instructed

US Bank- Check Fraud Amounting to over {$3000.00} I had repeated instances of people drafting stolen checks against my account from XX/XX/XXXX to XX/XX/XXXX. The signature was not mine, nor was it even a signature of my name. However, the bank released the funds out of my account. 

I reported each instance of the fraud to the bank and to the police, which took me an entire day to get documentation. I provided copies of the fraudent checks that were withdrawn.

After 60 days, USBank sent me a form letter disclaiming all responsibility and refusing to pursue action because the drafts were beyond 30 days.

This is check fraud! There is a 5 year statute of limitations, not one of 30 days.

I have provided all documentation that the bank was in error to accept anything without my signature, and I've been wronged. Unfortunately, I am just a small consumer against a behemoth bank that just doesn't care.
Complaint sub-issue: Account status incorrect

my complaint is with XXXX and citicards. have called and spoke to XXXX about 50 or 60 times and have disputed inaccurate information for citicards approx 6 or 7 times and still no resolution since early XXXX XXXX citicards is showing a negative indicator status as of XXXX XXXX shows account reporting currentlly negative my score has dropped about 40 points and my creditors can see this on XXXX XXXX score XXXX this account was closed XX/XX/XXXX in federal bankruptcy court and dischardged. the other 2 major credit bureaus are correct. i need to have the status date updated to XX/XX/XXXXacoount should not be reporting current please try to resolve this is grossly unfair. i also uploaded my bankruptcy docs from court showing citicards included in bankruptcy status date XXXX of XXXX per XXXX recommendation. as of today they still can not confirm that they recieved my uploaded docs. please try to help me this is a very simple date correction. Thank You XXXX
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

I was issued a Wisely card through ADP by my employer to receive my wages. 

I was unaware that I was not able to deposit funds onto the card at a local ATM location. 

When I attempted to deposit a sum of {$570.00} in cash to the card, the ATM dispensed a receipt which said " Transaction is not permitted '' but did not return the cash. 

When I reached out to the bank, the branch manager informed me that XXXX must file a dispute and that when the ATM was audited and shown to be {$570.00} over the amount it should, the funds would be returned to me. When I reached out to ADP I was told several times that there is no record of me ever having swiped the car or entered my pin, and that they are unwilling to reach out to the bank branch.
Complaint sub-issue: Information belongs to someone else

I recently received my credit report and noticed these fraudulent accounts that are not mine and that I did not sign up for.
Complaint sub-issue: Unable to receive car title or other problem after the loan is paid off

This bike was totalled and balance still showing in full. This case was handled by an attorney as my husband was involved in a wreck. The company has failed to have this addressed. Our attorney XXXX XXXX XXXX have also tried to resolve. This was involved with gap coverage and was paid off. I have been denied employment and credit due to this. I have spoken to legal department and all. This account was not treated properly or handled professionally at anytime and covid caused it to be very difficult to reach anyone. I have included the copies that were sent to our attorney via email because Motolease never sent any correspondence to me in regards to payoff. This is still showing on my credit and affecting me with other things overall. This is my second consumer complaint because the company responded with a random reply not addressing the issues as they have been since the beginning of this lease. I signed 5 copies of the lease after picking up this bike. I have several call logs and other documentation I just want this removed completely the bike has been paid off were told this a long time ago and nothing. Call me explain don't just allow this company to reply without fully investigating.
Complaint sub-issue: Sued you without properly notifying you of lawsuit

I have a continued complaint against Ally Bank. I just sold my house and the attorneys, XXXX XXXX XXXX in XXXX, Arkansas, ( XXXX XXXX ) that tried to garnish my XXXX benefits back in XXXX. I found out XXXX XXXX put a lien of {$8400.00} dollars without notifying me when he tried to take my XXXX benefits in XXXX. Although there was nothing I could do at the time of the sale, XXXX XXXX drafted a bogus agreement that I had to sign under force majeure. They stole the amount when I had to sign the paperwork so I could sell the home to new buyers. On XX/XX/XXXX, Ally Bank hired more attorneys, XXXX XXXX XXXX XXXX XXXX, Kentucky to sue me twice for the same illegal activity that XXXX XXXX did to me. Please review the documents attached.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX, XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX, XXXX Account # XXXX XXXX XXXX XXXX Account # 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: Debt is not mine

Alleged debt was from XXXX for a receiver that was lost while being returned.
Complaint sub-issue: Debt is not yours

The hospital must have made an error. Services were given for my adult son whom I haven't had contact with for about 4 years. The hospital listed me as a responsible party and I wasn't there to sign for that. When contacting progressive management systems they re demanding that I disclose my private information on the form of the divorce decree. I should have to spend my time or give up my privacy because of their error. Furthermore she demanded I send it but gave me no where to send it to. Furthermore they're sending noticed to an address I haven't lived in for a long time. Again violating my privacy.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft The information listed does not relate to any transaction that I have made Please block this information from my report, pursuant to section 605B of the Fair Credit Reporting Act
Complaint sub-issue: Their investigation did not fix an error on your report

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Complaint sub-issue: Reporting company used your report improperly

EQUIFAX, XXXX, and XXXX have violated all of these codes listed below : In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX and XXXX XXXX, has violated my rights. 

1. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

2. 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 3. 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 4. 15 U.S.C 1692B Section 4 States : not to be communicated by post card 5. 15 U.S.C 1692B Section 5 States : not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act : 1. XXXX XXXX XXXX. ( XXXX ) XXXX. Dept of education/XXXX  ( XXXX ) XXXX. XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX. Dept of EdXXXX XXXX ( XXXX ) XXXX. Dept of EdXXXX XXXX ( XXXX ) XXXX. XXXX XXXX ( XXXX ) XXXX. XXXX XXXX XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX. XXXX ( XXXX ) XXXX. DeptedXXXX  ( XXXX ) XXXX. XXXX XXXX XXXX ( XXXX ) has violated my rights. 

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

15 U.S.C 1681 section 604 A.Section 2 : it also states that a consumer reporting agency can not furnish a account with out my written instructions. 

15 U.S.C 1681 - Congressional findings and purpose. : ( B ) ( 4 ) Reasonable Procedures. F.C.R.A 15 U.S.C 1681C-2 ( A ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) Block of information resulting from identity theft.

18 U.S.C 1028- ( A ) ( 1 ) ( 3 ) ( 7 ) ( 8 ) Fraud and Related activity in connection with identification documents, authentication features, and information.

No SSA-89 form for furnished information ( s ).
Complaint sub-issue: Account status incorrect

I have an auto lease with XXXX XXXX XXXX and on XXXX of XXXX it reported to all 3 credit bureau that i was late 30 days and caused my score to drop over 50 points which denied me an approval for a coop / condo mortgage. These mortgages have stricter requirements than standard single family homes. I called XXXX to express my concern and they provided me with a certified copy stating that my account was never late or been delinquent since its birth and they have never reported anything negative to the credit bureau. How is that mistake made and how can it be fixed. Tried to dispute with all three credit bureau but my credit score stays the same and provided them with a copy of the letter exonerating me from such delinquency.
Complaint sub-issue: Public record information inaccurate

I need to know by which methods they used to verify that that was my bankruptcy? If they used a 3rd party to " verify '' the erroneous bankruptcy, which 3rd party company was it i.e. XXXX. 

If they used XXXX, as the lettet from XXXX stated, " They couldn't very that the bankruptcy belonged to me, so we removed it '' Also the credit bureaus saying " We verified it was your bankruptcy ... because we said so '', isn't proof. 

Until the 3 credit bureaus provide attachments in response of either a certified letter from the bankruptcy clerk or a letter from a 3rd party i.e. XXXX, then you have no credibility. 

I provided my proof via XXXX attachment to the complaint, where is your attachment credit bureau? 

The only way for this credit bureau to be lawful, CFPB, is to threaten them with fines! 

The fact that despite XXXX removed the bankruptcy because they could verify beyond the shadow of doubt, and the credit bureaus still refuse to do so, is because they do not care about the integrity and accuracy of my credit report, and they also do so because they make a profit over my erroneously low credit score!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The first inquiry in question was apparently made by XXXX XXXX XXXX XXXX  on XX/XX/2020 and I have no recollection of doing any business with XXXX XXXX XXXX XXXX. 

The second inquiry was made by XXXX XXXX on XX/XX/2020 and I have no recollection of doing any business with XXXX XXXX. 

The third inquiry was made by XXXX XXXX XXXXXXXX on XX/XX/2020 and I have no accounts with XXXX XXXX.

Two inquiries were made by XXXX  on AXX/XX/2020 and XXXX XXXX. I have no accounts with XXXX. 

Another two inquiries were made by XXXX XXXX on XX/XX/2020 and XX/XX/2020. I have no primary accounts with XXXX XXXX
Complaint sub-issue: Information belongs to someone else

In XX/XX/XXXX I received a notice from XXXX that a request to change my address was initiated and I needed to verify that this was accurate. I contacted XXXX and indicated I didn't apply for a change of addressed and filed a report. XXXX XXXX XXXX XXXX XXXX XXXXXXXX I XXXX a notice from XXXX XXXX XXXX  that my account was being closed due to delinquent payments. I contacted XXXX XXXX and notified them that I never had a XXXX XXXX account and filed a fraud claim. This situation is currently being investigated by XXXX XXXX. On XX/XX/XXXX I received a notice from Citi bank that they were closing my account due to non payment. I contacted their fraud department and indicated that I never opened an account and this is currently being investigated by Citi bank. 
As a result of these fraudulent activities I opened an account with XXXX to check my credit history and current status and found that both the XXXX XXXX account and the Citi Bank were listed on my credit report as being closed and delinquent with sums totaling over {$32000.00}. and my XXXX XXXX dropped to XXXX from XXXX. XXXX is currently investigating the fraud claims with XXXX XXXX and Citi bank.
Complaint sub-issue: Account status

Describe what happened so we can understand the issue ... 
Hello- We were the victims of XXXX servicing and subsequently were awarded money in a lawsuit that the CFPB brought against XXXX for Mishandled loan modifications and delayed short sales. Our case is simple we were working on a loan modification with XXXX who our mortgage was with and our credit report shows when the loan servicing was suddenly changed to XXXX. From there everything went downhill fast. We were told we had two miss payments on the loan to qualify for a loan modification or before they would allow a sale of the home. Because of this several sellers walked away and we had to take a much lower offer. For these reasons and many others listed in the lawsuit. I believe that this account ( XXXX ) should be deleted from my Equifax credit report. XXXX changed names to XXXX. So the account on my credit report now shows up as XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

In XX/XX/XXXX the financial crisis of the pandemic caused me to once again fall behind with my auto loan. Due to a technical error and user error my payment that I processes on XX/XX/XXXX was processed thru an external account prior to funds being available. Usually it takes 2 days for processing however my payment was processed the very next day which caused my payment to be returned and not satisfied until one day after being reported to the credit bureaus as a 30 day late... This caused my credit score to drop 72points. In addition I verified that for months XXXX, XXXX, & XXXX of XXXX no payments has been reported as per the installment agreement arranged in XXXX of XXXX ... On Time reporting for covid 19 reasons. I wrote the CEO, XXXX XXXX in late XXXX, unfortunately my concern was passed on and processed without consideration of my account status nor my loyalty with their company. I employed XXXX XXXX in XXXX of XXXX and they were successful in getting my US Bank account corrected with XXXX only. The accou nt was corrected with XXXX, however after after 45 days the incorrect information came back. XXXX has remained unchanged after several attempts to resolve directly with US Bank.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

THERE ARE HARD INQUIRIES ON MY XXXX I AUTHORIZED XXXX INQUIRY ONLY DELETE FROM XXXX   TODAY
Complaint sub-issue: Billing dispute

I am trying to dispute this charge with XXXX. The account had my name on it, but I had no access to it. My mother used this account and I do n't feel it should be on my credit report because I never used the account.
Complaint sub-issue: Reporting company used your report improperly

A debt collector fraudulently used my personal information to attempt to collect a debt that is reporting inaccurate on my credit report. I believe the law according the FCRA 15 USC1692K applies in this situation 1. XXXX XXXX  # XXXX
Complaint sub-issue: Reporting company used your report improperly

Since XXXX of XXXX I began the first time buyers process. On XX/XX/XXXX I submitted a mortgage loan request to a company called XXXX. Prior to submitting the report I checked with all 3 credit bureaus, who listed me above a 620 score, so I was in the range from 630-635. However if you read the attachment from XXXX, they used a company called Corelogic Credco, without my consent who has a score of XXXX. I contacted this company and have asked for the file they have on me, since I have never heard of them. On XX/XX/XXXX I processed an application with XXXX XXXX who just a day later came back with a score from Equifax of XXXX. So I contacted all 3 credit bureaus and not one of them have me listed with a score in the 500 range. Ive attached XXXX/XXXX  and these are the scores as of XX/XX/XXXX. Ive also attached XXXX. I utilize XXXX XXXX and also have gone to the websites of these 3 credit bureaus. Across the board this is unfair and makes me think that once I give my demographic information, then an algorithm is programmed to present incorrect information about my credit score. What other reason could there be for this major discrepancy across all agencies. This is a major systemic problem and could possibly be associated with the people who set the standard. It is clear that it is unfair and feels more like a sham or parody, there is no American dream in it at all.
Complaint sub-issue: Can't close your account

I received a letter in the mail from PNC Bank dated XX/XX/2021 stating that I recently opened three PNC consumer accounts on XX/XX/2021 in accounts ending in XXXX, XXXX, XXXX. I DID NOT. My name and address was stolen off of the XXXX The State of New York website last XX/XX/2021. My name and address was being used to try to file additional claims. I had my credit frozen immediately for 1 year. I just spent over an hour on the line with customer service with PNC Bank call center at XXXX with a XXXX who instead of reporting a fraud claim was asking me questions such as my birthdate ( which I gave him ) and my social security number. At that point a red flag flew up and I stated absolutely not, you are not getting my social security number, as your bank just opened 3 accounts under my name and old address without it and I do not know of this bank or trust you. He then stated that it would be up to 30 for a fraud specialist to call me back. He also has my cell phone number now. He finally gave me a file number of PNC XXXX, after I became upset because these accounts would be open that entire time. He told me to go into a branch in XXXX XXXX XXXX to close them if I wish. That is 300 miles away from where I live, and I am petrified at this point that he and the PNC Bank are even legit.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX and XXXX  are reporting incorrectly lates in XXXX, XXXX and XXXX, 2019 for the XXXX XXXX XXXX account XXXX number. ( Please see page 4 of the attached credit report. ) Month after month I called and made a payment on this account. Apparently the very first payment was never applied correctly so each payment I made was reporting a month behind. Every time I made another payment I was never told that I had initially missed a payment according to their calculation so consequently every payment I was making was actually a month behind due to their accounting error. I was never aware that I was actually making payments in arrears. Had I been informed of this I would have made an adjustment and paid an additional payment to be current with their accounting. I do not believe I should be punished with any late payments because I was never properly notified of this issue. The only communication I did receive were vague emails with no explanation, no context as to what they were needing or when to call or even WHO to contact! When I did call however, I was never able to physically reach the representative who was forwarding me the emails. I only spoke to the person who happened to answer the phone and was told to just continue making my monthly payments. Never once did this representative share with me that my payments were continually late. I never received any notification in the mail to tell me I had a late payment and I only discovered there were late payments when I obtained a copy of my recent credit report. When I saw this, I immediately went to a XXXX XXXX XXXX branch in XXXX, WA and paid the past due as well as the next upcoming payment to make sure that the account was up-to-date. By XXXX XXXX XXXX reporting these late payments incorrectly due to their accounting error, and never properly notifying me of the issues, is seriously harming my credit score. Please remove these lates from my credit report.