Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

The was an illegal inquiry/pull of my credit report by XXXX XXXX in XXXX. XXXX and core logic are displaying illegal and allowing illegal use of my credit report. I don't have and never had account with XXXX XXXX or giving anyone permission to pull my credit report or put anything on it which is supported by attachments. Even after XXXX XXXX sent letters that acknowledged this XXXX and core logic continues to display illegal innacurrate information. Information remains on report in relation to illegal inquiry. Also corelogic stated that I requested a fraud alert and also that they sent me a letter. That is absolutely false. I already had fraud alerts and blocks on my credit report because of fraudulent activity. They never sent me a letter, they just using that to cover there XXXX. All documents have been attached including XXXX  acknowledgement of illegal account and the request to delete it from XXXX corelogic, false statements made on behalf of corelogic and fake letters they said they sent.
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted Discover multiple times in regards to an account I used to have with them which shows a delinquency for some reason. I have been with them for over ten years. Out of nowhere Discover decided to close my account with them despite my prior ten years of history that I had with them. On one of the account that was closed, I still had a balance that I was making my monthly payments on. However, after the accounts were closed, Discover decided to make another arbitrary decision and restrict my access to the online banking software and thus restricting my method of payment. I couldn't reach them over the phone to make my payments because every single time I contacted them they were unable to help me and they thought that I had to speak with the Fraud Department of Discover for some reason. I never claimed the account was fraudulent, I always told them that I had to make a payment but by the time that Discover was able to process my request they gave me the worst time ever which led my account to be delinquent and past due on the payment. Discover from the beginning of this calendar year of 2021 and they have been passing judgements and arbitrary decisions regarding my accounts and personal information. I had flawless history with them yet the decided to close my accounts. Then, they decided to make another arbitrary decision of restricting my access to the online banking software so I can not make my payments. Ever since then, I have been contacting them personally to make my payments through the phone.
Complaint sub-issue: Debt is not yours

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Tel : XXXX Alleged balance owed : {$660.00} Original Creditor : XXXX
Complaint sub-issue: Company closed your account

In XXXX of this year Citi XXXX closed 2 of my accounts that I had with them. One with a limit of XXXX dollars and the other for around XXXX. This done with out any notification either verbal or in writing. I only learned about it when I went on line to make my payments. Citi cut me off with no access to customer service or anyone to help me. I only got a number which turned out to be to collections via citis online chat. After calling this number I was told that my two accounts ending in XXXX and XXXX were closed because I had declared bankruptsy. I had never even inquired let alone delcared it. They based this on false and unchecked information. I appealed this and by the end of the week the account ending in XXXX had been reopened. Account XXXX remained closed. Citi even had issued and mailed replacement cards for XXXX. I called back in about XXXX and again appealed it. The next day they closed XXXX again at which time I cancelled my payment to that account and twice in writing I informed them that until they corrected this issue I would withhold payment on the account ending in XXXX. The end of XXXX I attempted to make my payment on line for the account ending in XXXX. I was no longer able to access this account. On XX/XX/XXXX I made arrangements to pay off the account ending in XXXX as of XX/XX/XXXX and they were going to waive all interest since they closed the account. I enquired about the account ending in XXXX and got switched back and forth about it because they could not access the account info. Was finally told the account XXXX was sent to collections. This is an account I was not late on and had never missed a payment on until the end of XXXX when they prevented me from accessing the account in any form to make payments. I have had the XXXX account for around 20 years and never had any problems. I am pretty sure this will now further affect my credit score. Citi had no justification for closing the accounts without verifing the information or formally informing me of the closing along with a written explanation. Again this affects 2 accounts the one ending in XXXX and XXXX. Also I am attaching the only response I have received from them in which the person talks about the potential Bankruptcy case. Something they now deny as the reason for closing the accounts. They cant seem to keep it together. Their response pertains to account ending in XXXX and I have yet to get any written response about XXXX.
Complaint sub-issue: Information belongs to someone else

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT HAVE BEEN MADE BY ME OR AUTHORIZED BY ME. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT FILE. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Complaint sub-issue: Debt is not yours

On XX/XX/2021 I checked my mailbox and noticed I had received 2 letters in the mail from TRS recovery services stating I owe {$37.00} ( principal amount of {$12.00} + {$25.00} returned Item fee ) with the original creditor being XXXX. I contacted XXXX to investigate because I was unaware of the nature of this debt. The XXXX representative had no information about it and stated she had to transfer me to TRS recovery services. Upon speaking with a TRS agent, the agent informed me that the transaction number on the front of the letter did not match my name ( Not my debt ). In other words, stating that the debt wasn't mine and advised me to disregard the letter. I then began asking questions and showing my concerns about the debt being reported to the CRAs. The agent told me to mail back the letters and hung up the phone while I was speaking. Something fishy is going on here. I do not owe any debt to XXXX or TRS. They are violating the FCRA as this is not my debt. Please have them remove this item from all 3 bureaus.
Complaint sub-issue: Sent card you never applied for

Re : Card Premium Bank Account by XXXX. 

Received an unsolicited VISA debit/credit card in the mail. 

On XX/XX/2021 I Tried contacting the issuing company by the number listed : XXXX and visiting the website dashboard.card.com. No option to speak with an actual person was available. The only way to proceed through the menu was to provide a full Social Security number. 

They issued me a routing number and account number although I've never requested an account. 

This seems very much like a phishing scheme trying to get my personal information.
Complaint sub-issue: Account terms and changes

I have tried to get my annual credit report from equifax and am unable to do so due to incorrect information on the questions they ask me if its really me? My name is XXXX XXXX XXXX and my phone number is XXXX could you please help me in regards to getting my annual credit report? Thank You very much. 
Sincerely, XXXX XXXX
Complaint sub-issue: Can't close your account

I have been a banking customer with US Bank for 2 years. On Tuesday last week I let them know I was traveling to XXXX and they put a travel alert on my record. On Friday before I left for the airport I put a small amount of money on my XXXX prepaid mobile phone using my US bank debit card. I immediately received an email and a phone call and my card was blocked and the charge declined. I spoke with the fraud department who was very rude and assured me that there was no travel warning noted calling me a liar. The people refuse to identify themselves or their location and they refused to connect with a supervisor. I had to call over 30 times before I was finally assured by several senior managers in the fraud department in XXXX XXXX Idaho that my card was corrected and I was assured I could travel on to XXXX. I flew to XXXX and arrived and my card was declined and I had no access to cash and was unable to check into my hotel or rent my car. I called US bank and they said a woman named XXXX at a branch in XXXX California that I have never visited has decided that she is closing my account and that she is aware that I am traveling in XXXX and she doesn't care. I called the branch and spoke with XXXX who laughed at me and taunted me and was a condescending belligerent person laughing at my misfortune and hanging up on me. I spoke with customer relations in XXXX and the agents there including XXXX agreed that the fraud department and the branch in XXXX are very belligerent and unhelpful. Many people at US Bank tried to help me but in particular XXXX and XXXX at the XXXX XXXX in XXXX California are unbelievably terrible and terrorizing to customers. They are breaking laws. Also a very belligerent woman named XXXX in XXXX XXXX Idaho is a complete monster and a torments the customers. She must be fired over this. This is a horrible bank and I can not do business with them so I immediately flew back to United States to close my account. I arrived in the United States and I was told by US Bank on XXXX XXXX in XXXX XXXX that they can not give me money to my account because it has been frozen by XXXX and I can't do anything because she has taken vacation and she won't be back for a while and only XXXX can unlock my account. US bank has ruined my XXXX holiday and caused thousands of dollars in damage already. Now that I have flown back to United States US Bank is still holding my funds and refusing to close my account and give me my money. This is a rogue bank with monstrous customer service failures who literally gets off on terrorizing customers and they laugh at you in your face at your own inconvenience and suffering. These customer service agents particularly XXXX, XXXX, and XXXX, taunt and harass the customers and cause serious psychological damage. I want you to enforce government regulations against US bank and get my money back to me right away as well as sanction them for their terrible anti consumer behavior. 

XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX - XXXX - {$2600.00} - XX/XX/XXXX XXXX XXXX - XXXX - {$1800.00} - XX/XX/XXXX XXXX - XXXX - {$96.00} - XX/XX/XXXX XXXX XXXX XXXX  - XXXX - {$16000.00} - XX/XX/XXXX
Complaint sub-issue: Not given enough info to verify debt

I do not owe this company. I have never received any notice from Carter- Young Inc , verifying that I owe them money. I 've never had any dealings with Carter-Young.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a Charge-off on my credit reports reported by the XXXX credit bureaus ( Equifax, XXXX, and XXXX XXXX being reported by XXXX ( XXXX XXXX ). This debt was a joint account with my ex-wife. We were separated in XXXX and divorced in XXXX. This debt was sold to a Collection Agency, XXXX XXXX, and XXXX XXXX has removed it from my credit report on their end. I have asked XXXX XXXX XXXX XXXX XXXX as a XXXX gesture to remove their reporting from my XXXX credit reports on their end as well. I received a letter from them stating that my request was denied and that XXXX XXXX XXXX XXXX XXXX will not remove the derogatory remark from my XXXX credit reports, and that they will keep reporting it. This account was opened in XXXX, and was charged-off in XXXX. I am asking them for their consideration in removing this derogatory item from my XXXX credit reports from each of the XXXX credit bureaus.
Complaint sub-issue: Non-sufficient funds and associated fees

I started using another account because I was not happy with Bank of Oklahoma, and I thought I weaned all my automatic / pre authorized withdraws away from that account, but apparently I missed 2, a cell phone bill ( XXXX XXXX  ) and radio ( XXXX XXXX ). these two amounts came to less than {$70.00} usd. I was not monitoring my account because I thought I had removed everything ( both accounts were not billed for several months so I did not realize they were going to come through ). These caused me to Overdraws, but I was NOT contacted by the bank, either by mail, email or phone. I did just happen to check my account like a month later and immediately emailed and explained the situation, but the person only refunded a small amount. I received a letter ( the first ) about a week ago, telling me my account was " written off ''. and reported to credit reporting agency. I then received a call and email from XXXX XXXX, " Account resolutions specialist '' about this amount, I responded via email so there would be written record, and explained that it was unfortunate that the only contact that I receive is after my account is closed and written off. Over the less than {$70.00} OD 's from auto withdraws I was unaware of, they say I owe over {$300.00}, but are willing to " discount '' 30 something percent. They are saying ( XXXX ) that I owe almost {$200.00}, and that I have been reported to XXXX. this is not right and unfair!
Complaint sub-issue: Other problem getting your report or credit score

I have been filing disputes with the 3 major credit bureaus for months, and receive no answers to my disputes...
Complaint sub-issue: Information belongs to someone else

I reached out to all three major credit bureaus informing them of the errors that they are currently reporting. I am in the process of purchasing a home and was horrified to discover that my information merged with a former roomate. Although at a time we had the same mailing address, I NEVER WAS THE OWNER OF THESE ACCOUNTS. I need them removed immediately. They are causing me distress and impacting the quality of my life. The items that they have been put on notice to remove are as follows :
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. This list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account : XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 602 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crime which anthedates the report by more than 7 years. 15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer report agency if the person knows or has responsible cause to believe that the information is inaccurate
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting ACT XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX  Account Number : 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
Complaint sub-issue: Debt was result of identity theft

I am a victim of ID theft. 
Thief purchased three handsets and subscribed to 6 phone lines using my name. 
I promptly contacted XXXX and filed a XXXX XXXX police report about the issue. 
On XX/XX/2021 I sent all documentation in my possession to XXXX at the XXXX XXXX replied : " This has been deemed relationship fraud, which means we will not be able to handle this without a police report naming a suspect. '' Suspect has been arrested by the XXXX Police department. On XX/XX/2021 I forwarded XXXX the police report supplement that names the suspect as requested by the XXXX representative. 
However XXXX placed the account for collection and I received a letter from a collection agency.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX  account numbers XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Information belongs to someone else

FCRA Violation XX/XX/2020 WHY is there another address added that I've never listed or live at? .pdf <<<<<<< WHY IS MY ADDRESS NOT CORRECTED TO MY CORRECT ADDRESS? FCRA VIOLATION. FTC VIOLATION PAST 45 DAYS. 
XXXX  XXXX XXXX XXXX FCRA violation. {$1500.00} per violation. Where is the data on experian. How was this verified? Not Late. Inaccuracies placed on my report.I will enclose in my attached documents, with wrong names, addresses on my report <<<<<<< XX/XX/2020 there was no address XXXX listed in my report. Why is it in my report now on XX/XX/2020 XXXX? <<<<<<< XX/XX/2020 there was no address XXXX listed in my report. Why is it in my report now on XX/XX/2020 XXXX? <<<<<<< XX/XX/2020 there was no address XXXX listed in my report. Why is it in my report now on XX/XX/2020 XXXX? <<<<<<< XX/XX/2020 there was no address XXXX listed in my report. Why is it in my report now on XX/XX/2020? <<<<<<< XXXX XXXX FCRA violation. {$1500.00} per violation. Where is the data on experian. How was this verified? Not Late. Inaccuracies placed on my report.I will enclose in my attached documents, with wrong names, addresses on my report. <<<<<<<< XXXX XXXX XXXX XXXX XXXX, NEVER LATE, FCRA Violation, why is this not verified accurately experian? <<<<<<<<
Complaint sub-issue: Can't close your account

CitiBank has ignored my repeated requests to close my checking account. I instructed Citi to close the account after my final check cleared last XX/XX/XXXX. After I brought my balance to zero and expected closure, Citi insisted on keeping the account open so it could impose a {$25.00} low-balance " maintenance '' fee on the account, plus a {$34.00} NSF fee to punish me for Citi 's erroneous maintenance fee. This is predatory fee-churning at its worst!
Complaint sub-issue: Trouble with how payments are being handled

This is my second CFPB complaint regarding the application of my monthly payments for the Public Service Loan Forgiveness program ( PSLF ). I have been making payments under this program since XXXX. I am 72 months into this program, but I was on forbearance for 6-9 months during that time. I have made qualifying, on-time payments on my loans for a minimum of 63 months. However, my most recent statement reflects anywhere from 30-52 months of payments. I make one payment every month that is disbursed to all my loans, however loans that have the same origination date have different PSLF qualifying amounts. Furthermore, loans that were transferred 6 months apart, have a 10 payment difference. It is clear that my payments are not being counted correctly. I have requested a manual counting of my PSLF payments since XX/XX/XXXX. To date, I have received nothing but excuses from XXXX   XXXX XXXX as to why this still has not been completed. I have spoken with XXXX XXXX XXXX representatives on innumerable occasions who have advised they were putting in a request to escalate and expedite my 2 year old request. Furthermore, XXXX XXXX XXXX advised in the previous CFPB complaint that a manual review confirming the number of my PSLF payments would be sent to me under separate cover. Nonetheless, to date, I have received NOTHING! Finally, the previous CFPB response from XXXX  XXXX XXXX said my loan was permanently removed from paid ahead status. Nonetheless, when I missed my XX/XX/XXXX payment due to an oversight, I received no notice or correspondence from XXXX XXXX XXXX. I called and spoke with a representative named XXXX on XX/XX/XXXX and she advised that my loan was still showing paid ahead even though there is a notation on the file that the loan should not be paid ahead. I had to make 2 payments in XXXX to get back on track for my payments to apply towards PSLF. I need to have a FULL ACCOUNT PAYMENT HISTORY detailing the following : the months my loans were on forbearance, what payments were applied to PSLF and what payments were not and why! I can not wait until the end of the 10 year program to get this information as it is clear that XXXX  XXXX XXXX is having a difficult enough time counting my payments at this stage.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act Everything has to be 100 % accurate on my credit. Account # XXXX XXXX, has violated my rights. 

The credit bureaus stated my account was properly investigation but how is that possible if the status update is different each bureaus, all XXXX bureaus payment history is inaccurate, and past due amount last reported is are all different and not correct its showing different account types on all XXXX bureaus swell which This is ground for removal they also violated my rights under, 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 ACT S 611 ( 15 U.S.C S1681 15 U.S. Code 1666 - Correction of billing errors STATES CONSUMER CAN NOT REPORT LATE PAYMENTS AFTER PAID IN FULL
Complaint sub-issue: Account status incorrect

For several years Equifax has been reporting inaccurate information on my credit report as it pertains to the XXXX XXXX XXXX in the handling of my student loans, not to mention of reporting the same loans more than once. My student loans are paid in full and is showing as delinquent and has an negative impact on my credit score and has been for years of not being able to obtain anything. In satisfaction for reporting this inaccurate and duplicating nightmare it will only be fair that Equifax delete this information from my report.