Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Was not notified of investigation status or results

I want to make a general complaint about a disturbing trend among large U.S. banks most notably XXXX XXXX XXXX ( XXXX ) and Citigroup which are reportedly using their enormous market power to discriminate against their customers who conduct lawful firearm-related business activities protected under the Second Amendment to the US Constitution. 

These banks seem to be making political statements and using social engineering to act against law abiding citizens by withholding access to credit to customers and companies they disfavor. 

There is also reason to believe that these banks may be using their collection of personally identifiable information ( PII ) to monitor and deny financial services to individuals and companies who are engaging in completely legal and Constitutionally-protected activity. 

As a consumer of firearms and related products, I am very concerned about XXXX and Citigroups antigun discrimination. 

Every American adult likely uses or will need banking services to survive in our modern economy. Law-abiding gun owners have legitimate concerns about possible collusion and collective efforts between banks and/or banks and political advocacy groups aimed at denying them services simply for exercising their rights under the U.S. Constitution and laws. 

These efforts also can create a hostile and chilling climate for the exercise of Second Amendment rights, particularly for those hoping to obtain financing for such things as home and auto purchases or running a small business. Once financial institutions take it upon themselves to set social policy that exceeds the requirements of the law, its impossible to know where they will stop or what other indicators of disfavored activity might become relevant to them. No American should be treated as a scapegoat for someone elses crimes. 

We taxpayers footed the bill in billions of tax dollars to help bail out these financial behemoths after the banks reckless business practices brought their companies and the U.S. economy to the brink of disaster. 

Citigroup  received nearly half a trillion dollars in taxpayer-backed guarantees and cash after putting the entire financial system at risk. It was the largest government bailout in American history. 

Citigroups new firearm policies run counter to laws and regulations passed by Congress, and they infringe and discriminate against an individuals Second Amendment rights.

These bank policies should not be endorsed by our federal government. Our government should only do business with companies that respect all of our constitutional rights, including the Second Amendment. 

We need to know more about these banks restrictive firearm policies and any other legal transactions, industries, and businesses they disfavor, prohibit, or boycott. 

I urge you to investigate the business practices of these banks to root out unfair, deceptive, or abusive acts or practices. Please monitor these financial giants for risks to law abiding consumers engaged in lawful commerce for our Constitutionally-protected Second Amendment activities. 

XXXX XXXX XXXX, TN
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX  Bank 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 without my written instructions.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX acct # XXXX, XXXX Acct XXXX XXXX, and XXXX XXXX  acct XXXX XXXX have 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 states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1692 C 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.
Complaint sub-issue: Threatened to sue you for very old debt

This is a second complaint to XXXX. 

Again I am stating that I do not owe anything regarding this judgement. I am able to confirm that this was in fact one of the items that was fully discharged in a XXXX bankruptcy. 
After my information was exposed in early XXXX then again with an XXXX data breach in XXXX I have been consistently having to dispute claims that been resolved or severely inflated due to fraud primarily from debt collectors who have repurchased these items. This makes me question the validity of how they come across my information because every time I receive a Dark Web monitoring alert it is usually followed by some bogus claim from a d ebt collector or attorney that I wind up having to dispute.

Again this claim was settled and discharged with a bankruptcy in XXXX. I continue to go through this with both my student loans due to fraud and with collection agencies that are purchasing these debts that were already settled and resolved. I demand to know where this debt was purchased because the information and validation of debt are not correct. I highly doubt that for 15+ years and several jobs in between this agency was unable to contact me regarding notification of a debt they claim is from XXXX or XXXX, so the matter could have been resolved in a timely manner. 

I never received ANY information regarding a hearing in XX/XX/XXXX about this either or would have gladly attended court to dispute this then. I received no notification of a hearing!! Yet this agency certainly had my recent address because once the hearing was over they were able to mail the final documents to the me. 

I am extremely frustrated with the unethical and deceitful practices that I have had to deal with from these agencies and how they continue to try and take advantage and misuse personal information. I have every intention to continue to dispute all of these false claims and fraud that continue to randomly show up in my name.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX ( Creditor ) continues to inaccurately report a Business Account that I am not liable for on my credit report as a Personal Flexible Account which is not correct and is a violation of my rights per FCRA. Additionally, XXXX XXXX has confirmed they will report this account as In Dispute per FCRA, however they have failed to that as well. I am requesting this business account that I am not personally liable for to either be removed from all of my credit reports or appropriately update this account from Personal Flexible Account to Business Account and update the status/comments for the account as In Dispute per FCRA as agreed.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Reports : XXXX XXXX CARD SER-Balance $ XXXX-Date Opened : XX/XX/2016 XXXX
Complaint sub-issue: Was not notified of investigation status or results

I'M IN NEED OF SOME ASSISTANCE FROM THE CFPB BECAUSE I'VE BEEN REQUESTING THE CREDIT BUREAUS TO DO THEIR PROPER RESEARCH REGARDING THESE ACCOUNTS THAT I HAVE LISTED ON MY LETTERS, BUT IT SEEMS TO BE FALLING ON DEAF EARS. CAN YOU PLEASE MAKE SURE THEY ARE FOLLOWING THE LAWS AND CORRECT THE ERRORS ON MY CONSUMER REPORT. I WAS NEVER GIVEN THESE OPTIONS, NOW I WOULD KINDLY REQUEST THAT YOU REMOVE ANY LATE PAYMENTS REPORTED ON MY ACCOUNTS LISTED BELOW : XXXX XXXX XXXX  XXXX .... XXXX XXXX ...., XXXX XXXX XXXX : Account number : XXXX ... XXXX- Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX XXXX : Account number : XXXX ....- Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence
Complaint sub-issue: Credit inquiries on your report that you don't recognize

THESE ACCOUNTS NEED TO BE REMOVED IMMEDIATELY ON ALL 3 CREDIT BUREAUS PER 15 U.S. Code 1681b - Permissible purposes of consumer reports AND 15 U.S.C 6802 Gramm-Leach-Bliley DEPT OF ED/XXXX XXXXXXXX {$52000.00} {$0.00} DEPT OF ED/XXXX XXXXXXXX {$1000.00} {$0.00} DEPT OF ED/XXXX XXXX {$1800.00} {$0.00} XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXXXXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXXXXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX - -No Data XXXX XXXXXXXX {$0.00} {$0.00} XXXX XXXXXXXX {$0.00} {$0.00} XXXX XXXX {$0.00} {$0.00} XXXX XXXX {$0.00} {$0.00} XXXX XXXXXXXX {$0.00} {$0.00} XXXX XXXX {$0.00} {$0.00} XXXX XXXXXXXX {$0.00} {$0.00}
Complaint sub-issue: Information belongs to someone else

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any account not later than 4 business days after the XXXX XXXX XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This letter is to notify you if you do not BLOCK OR REMOVE the listed account on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

This is your FINAL WARNING. Please BLOCK AND REMOVE the ACCOUNT resulting from alleged identity theft. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting and XXXX XXXXXXXX Account # XXXX, XXXX Funding Account # 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 2. It also states a consumer reporting agency can not furnish an account without my written instructions
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed multiple items that are being reported on my credit report inaccurately. XXXX continues to report past due payment history information that is older than 7 years. I have sent in many disputes regarding this including the fair credit reporting act which states information more than 7 years old must be removed from my credit report. There are several student loans on my credit report that fall under this dispute.
Complaint sub-issue: Information belongs to someone else

Incorrect information is reporting on my credit file that is negatively impacting my credit score : XXXX XXXX XXXX   XXXX
Complaint sub-issue: Information is missing that should be on the report

Credit Bureaus XX/XX/XXXX To whom it may concern, I recently sent your agency a dispute document requesting an investigation of inaccuracies appearing in my credit file. I received your response, and the following inaccuracies remain on my credit report : # XXXX XXXX # 2 Current address # 3 Current employer Once again, I am notifying you that these items are not reported correctly for the reasons listed below, and I am asking you to reinvestigate them : 1. My current phone number is XXXX a. XXXX was stolen from me and is under police investigation by XXXX XXXX XXXX XXXX XXXX. 
2. My current address is XXXX XXXX XXXX, XXXX, FL XXXX a. XXXX XXXX XXXX, XXXX, Florida XXXX was my previous address 3. My current employer is Blue Origin According to the Fair Credit Reporting Act, Section 607, you must ensure maximum accuracy of the information contained in my credit report. 
Please respond promptly. I prefer that we both avoid the pursuit of my rights under 15 USC Sections 1681n and 1681o, which require your compliance with the law. 
Name : XXXX XXXX XXXX SS : XXXX DOB : XX/XX/XXXX Let me know if you need any additional information to verify my identity and remove this account. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX cell
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX reported to Equifax credit reporting agency that I was 30 days late on a payment on XX/XX/2018. The fact of the matter was that their system which processes payments was not working properly and as a result did not process payment in a correct manner.I was repeatedly entering my account number and the system was repeatedly saying the incorrect account number back through the automated system. 
I have repeatedly tried to correct this matter however all my efforts have had negative results.
Complaint sub-issue: Fee problem

This again is another problem with TCF Banking on my checking account- I have recently submitted practically- same problem and issues few month ago ). 
Being charged Overdraft fees on XX/XX/2018 {$37.00} for XXXX XXXX when online banking shows nothing negative see pg 3of16 printout with Running Balance yet I am being charged overdraft fee, And Again on XX/XX/2018 Twice overdraft fee $ XXXX I made purchases in XXXX  and checked balance ( my log in tells when electronically permanent record - I did a transfer into my checking account on XX/XX/2018 from my computer which credit my account $ XXXX TCF states that " Before XXXX to credit/adjust account is the " Cut off time '' ... this did Not happen. I printed my banking info from a library The print out shows my Account username on bottom of page! '' This is Private/Confidential Information '' and a persons Username " Should Never be Printed ''! This is Careless/wreck less- exposure of my Private information that's not being securely contained. I made a Cash deposit on XX/XX/2018 the receipt shows XXXX I asked Teller why does this show XX/XX/2018 when today is XX/XX/2018? her response is that's when it will credit your account- So why is it that when a Cash deposit doesn't get immediate credit and why when I deposit into account receipt does not show " TIME DATE Current- Stamp? Wrongfully stating account transactions-Different dates varies when transactions Actually Occurred-Fraudulently charging overdrafts to Purposely Causing '' a Dominos Affect on banking account adding more fees- what is online showing account activities is not Corresponding with what TCF " so called states '' TCF should be paying me Harm and Distress of exploding my Private confidential information not securing and to show me verify the Times that Transactions Transpire BETTER REGULATIONS and PREVENTIONS ARE GREATLY NEEDED HERE.TCF IS CHARGING OVER DRAFT FEES WHEN : TRANSACTIONS SHOW RUNNING BALANCE NOT NEGATIVE BALANCE AND THEN CHARGING OVERDRAFT FEES BEFORE CUT OFF TIME MAKING ANY OTHER TRANSACTION BE NEGATIVE.
Complaint sub-issue: Old information reappears or never goes away

Fraudulent account identity theft XXXXXXXX XXXX XXXXl Open XX/XX/18 Amount XXXX This fraudulent account was previously deleted from credit report but continues to reappear Equifax sent me a letter stating the creditor doesn't show on my report but the creditor still is showing
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15usc 1981 Accounts 1 ) XXXX XXXX XXXX Account 2 ) XXXX XXXX XXXX XXXX  Account 3 ) XXXX XXXX Account 4 ) EQUIFAX Account 5 ) XXXX XXXX XXXX Account 6 ) XXXX XXXX XXXX Has violated my right. 15 usc 1681 section 602 ) State I have a right to privacy. Section ) 604 Consumer reporting agency can not finish a account without my written instructions Also if you read 1681s-2 ( A ) 1 1681c. ( A ) ( 5 )
Complaint sub-issue: Information belongs to someone else

I am contacting you because I found accounts on my credit report that does not belong to me. I am not sure how this information was placed on my credit report but I need it removed immediately. I contacted credit bureaus to investigate and give me evidence of ownership but they are not complying.. I want you to please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply fo XXXX XXXX XXXX XXXX, UNKNOWN XXXX, UNKNOWN XXXX, UNKNOWN XXXX, UNKNOWN XXXX, UNKNOWN XXXX, UNKNOWN XXXX, UNKNOWN XXXX, UNKNOWN XXXX, UNKNOWN XXXX, UNKNOWN XXXX, UNKNOWN XXXX, UNKNOWN XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

All of my complaints within the CFPB were not taken seriously were not handled properly I was talk at not to. They refused to handle my complaints properly every time I got some type of notice about a complaint and I tried to respond I was not able to respond in a timely manner because my email would always bounce back to my mother who had some previous complaints which had nothing to do with me I want my complaints with respect reviewed and started from the beginning so that I can get a proper handling of that with this new administration. How I was unjustly treated. I told them I was a XXXX Veteran and that meant nothing to the them.
Complaint sub-issue: Indicated you were committing crime by not paying debt

i was a victim of identity theft i use my information to open credit card accounts with best buy and macys they are from the same bank citi bank, they have been calling me regarding a debt and sending letters to my house, without me authorizing those cards now They want me to pay accounts that were not authorized by me, accounts that I do not personally use, please I need help to solve this problem.
Complaint sub-issue: Problem with personal statement of dispute

cant add interest or fees, or charges not authorized in the original agreement.Extra fees must be in the contract, A collection agency can not have false or misleading representations. This alledged debt that's on my credit report needs to be taken appropriate action to correct inaccurate or incomplete information on a credit report per the FCRA
Complaint sub-issue: Attempted to collect wrong amount

Under the FDCPA -The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p - '' The FDCPA prohibits debt collectors from making false statements about the character, amount, or legal status of your debt '' Hunter Warfield , Inc. have repeatedly REFUSED to provide legal status or verify this debt despite repeated requests. 
I moved out of XXXX XXXX XXXX after refusing to be strong-armed into paying an additional {$600.00} in " Late Fees '' as it was not in my legal lease ( copy of the lease is still in my possession ). I have written XXXX XXXX who continues to state they have no knowledge of the amount that is being pursued on their behalf by Hunter Warfield.

When redirected to Hunter Warfield, they are consistently refusing to remove the debt while violating the FDCPA by NOT BEING ABLE TO PROVIDE " details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent or any legal documentation that I owe this debt. '' In addition, they have yet to forward details about their authority to collect this debt : whether they are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. 
Lastly, since they are contacting me from outside my state they have not provided the licensing information from their state. In reading reviews across the web, denial and deflecting are their trademark behaviors. They do not provide proof as they do not have any legal legitimate proof of the debts for which they are collecting. It is their business practice to strong arm consumers into paying debt for amounts they clearly do not owe. 

It is time to stop this unlawful practice and hold Hunter Wakefield accountable. 
Thank you!
Complaint sub-issue: Information belongs to someone else

listen I have reached out via phone, mail and the CFPB and yet I am still being violated. These accounts are inaccurate and effecting me negatively. I have not benefited from any of these companies nor accounts and demand that they are deleted.By law you had 30 days to respond and I have heard nothing not a peep. I need this situation handled like yesterday my attorney generals office has informed me to report one last time before starting legal help.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

CRA VIOLATION ON THE ACCOUNT THAT NEVER LATE. 
CRA VIOLATION / NO KNOWLEDGE / TOO MANY INQUIRIES ON THE CREDIT REPORT.
Complaint sub-issue: Attempted to collect wrong amount

On XXXX XXXX, I opened a letter from a TrueAccord XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX that had been delivered to my home address. The letter indicated that " THIS IS A DEMAND FOR PAYMENT '' and asserted that I had an outstanding balance with a XXXX XXXX XXXX in the amount of {$350.00} principal, {$200.00} interest, and {$120.00} in fees. However I have had no financial dealings with any such company. Over the summer, while I was out of town on vacation, I received an email from my employer informing me that representatives of a XXXX XXXX XXXX had called repeatedly attempting to verify my employment and were extremely rude. There were also a number of messages on my home answering machine from a variety of companies allegedly attempting to " verify the application I submitted online. '' However, I made have made no applications for any type of credit online ( or anywhere else for that matter ).
Complaint sub-issue: Account information incorrect

I received a Credit Alert from XXXX  about information that is inaccurate regarding my current auto loan with XXXX aka Drive Time. I reported this issue a few months ago and it appears that the Credit is doing this fraud intentionally. After reviewing the XXXX auto profile, the Creditor has incorrect balance owed as {$660.00}, which is incorrect. I always view my XXXX account daily and I'm not behind on payments as well. The Creditor has my monthly payments as {$410.00}, I have documents that show my bi weekly payments is {$190.00} which equals to {$380.00} per monthly. The Creditor fraudulently reported that I was late five times which is so untrue. The Creditor would have reprocessed my vehicle if I was late on my payments for 30 days consecutive for five months. I am being harassed. The XXXX   report number is XXXX, the reported date is XX/XX/2020 not only that the last updated date showing is XX/XX/2020. This Creditor is a liar and is committing fraud by intentionally reporting inaccurate account information to the Credit Agencies, which is why XXXX  has alerted me regarding this Fraud. I would like to file a complaint please. I would like for this intentional fraud to stop immediately. This unethical stuff should not be happening at all.
Complaint sub-issue: Debt is not yours

I contacted XXXX regarding electricity service that I never authorized in my name. They advised that they would take a note that it was fraud. It is the result of identity theft. However, a company is still attempting to collect this from me.