Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Bounced checks or returned payments

Good XXXX, On XX/XX/XXXX, I initiated a XXXX transfer of {$830.00}. This was a Thursday. As of that date, my existing balance was approximately {$850.00}. On XX/XX/XXXX-Friday-, I wrote my landlord a check for {$1600.00}, the amount of the rent. He deposited it into his own account immediately. I checked XXXX and received the message that the {$830.00} would be in my account by the beginning of the business day on XX/XX/XXXX, a Monday. This, in my understanding, is, to Friday, the next business day. On XX/XX/XXXX, my birthday, I attempted to make a transaction, only to find that I was nearly {$900.00} overdrawn. Before work on Monday, XX/XX/XXXX at XXXX XXXX, I used a Citibank ATM to deposit {$350.00} in personal checks. I was issued a receipt that reflected the XXXX transfer of {$830.00}, the check for {$1600.00} clearing, and a positive balance in my account. On XX/XX/XXXX I received an e-mail stating I had insufficient funds to clear the check for {$1600.00}. I disregarded this because I had the receipt from Monday XX/XX/XXXX at XXXX XXXX reflecting a balance consistent with a processed check. On XX/XX/XXXX, I checked my account balance and found that it was quite high. In reviewing my account details, I could see that the check for {$1600.00} was returned to me on XX/XX/XXXX. This was showing up as happening after the XXXX and the personal checks were deposited. In addition, I was charged a fee. I immediately called Citibank. From there, after XXXX minutes of verbal sparring, I was connected to a supervisor who informed me that had I called Citibank on Monday XX/XX/XXXX before XXXX, the check would not have been returned. My issue is this : if the funds were available by XXXX the next business day XX/XX/XXXX, which per the representative I spoke to is Citibank 's own policy, why would I need to call to tell them I want a check I wrote to be processed? Of course I do. Further, why did I have to have an experience like this prior to being informed of this policy? Of course I would have called before XXXX on XX/XX/XXXX to tell them I want the check processed, even though that 's a ridiculous policy. This was so frustrating and I was n't able to get a clear answer. The supervisor, XXXX, I spoke to, was n't able to really help me analyze this experience. I did receive a pitch for overdraft protection. I will not be enrolling. This strikes me as at least unfair, and possibly illegal. Is there anything I can do? I am able to provide the XX/XX/XXXX receipt, my online bank statements, statement from XXXX etc to support this. I asked the Citibank representative XXXX to send me an e-mail with the information he was telling me in it for my records, but I have not yet received such an e-mail. Thank you so much in advance, XXXX
Complaint sub-issue: Account status incorrect

On XX/XX/19 there was fraud on my XXXX XXXX. I called as soon as I noticed it and the XXXX XXXX removed it along with the interest charge, finance charge and late fee charge right away. However, XXXX XXXX has reported to the credit agencies that I was late on paying that statement, which is not correct.I tried calling their call center and emailing to no avail. I want this removed from my credit history immediately!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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: Problem with personal statement of dispute

In XXXX, I sent several letters to my then mortgage company asking for them to validate the said loan. They never sent me any validation and by XX/XX/XXXX, they transferred said loan to another mortgage company instead of dealing with me. So, I began sending validation letters to the new mortgage company and found out there was XXXX mortgage companies associated with this said loan and they too, would not validate this loan. They sent VA to my home to serve me with a summons. By this time, I had done a quitclaim to transfer my home to a 508 ( c ) ( 1 ) ( a ) irrevocable trust and had it notarized and recorded with my county. Summons was answered and court followed. Judge and plaintiff would not listen or read my trust paperwork, my quitclaim or any of my paperwork as if nothing I said mattered. So, I lost in court, than Covid 19 began. I have since, sent out criminal complaints to FBI, NSA and Homeland Security. I am waiting now for responses from one or all. 

Thank you
Complaint sub-issue: Credit inquiries on your report that you don't recognize

US Bancorp, inquires on XXXX XXXX and XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

I am disputing the following account with each Credit bureau after finding accounts that were reporting on my credit that I never gave any consent to me opened and address that I never lived at need to be removed I was informed to file a FTC with them and provide this documentation to all credit reporting companies. 


XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX La XXXX the following addresses are not my address please remove them I have provided a copy of my Identification card showing my correct address along with the FTC 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 This following accounts are being disputed as Fraud accounts I never consent to any of the following companies to open accounts in my name
Complaint sub-issue: Not given enough info to verify debt

I filed a complaint and received my response. In it included only XXXX photo verification of a returned cash check of the loans they claim they owe. There are XXXX total loans. I would like to know why I only received a photo of XXXX of the cashed returned checks on the loans. I would like to receive the other XXXX to verify that this is legitimate. I dont understand why they would not include all XXXX to begin with. I am very concerned that all of these loans are not legit and that I never cashed the checks for them in the first place.
Complaint sub-issue: Information belongs to someone else

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME NEGATIVE ACCOUNTS REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE ACCOUNTS DO NOT BELONG TO ME NOR DO THEY RELATE TO ANY TRANSACTIONS THAT WAS AUTHORIZED BY ME. I HAVE NO IDEA WHO WAS ABLE TO OBTAIN MY PERSONAL INFORMATION AND CREATE THESE ACCOUNTS IN SUCH A FRAUDULENT MANNER. PER REQUEST I AM REQUESTING THE ACCOUNTS RE-INVESTIGATED AND REMOVED OFF OF MY CREDIT FILE AS SOON POSSIBLE.
Complaint sub-issue: Information is not mine

XXXX XXXX XXXX ran a credit check without my permission. I noticed this on my credit report so I disputed it and they claim it was accurate or " factual '' I had contacted XXXX XXXX XXXX last year when I noticed this on my report and they claimed that they never had an account or anything set up using my social security number or name. I did a search online and it seems like this is a fairly common practice with XXXX XXXX XXXX when individuals turn XXXX or so.
Complaint sub-issue: Problem with personal statement of dispute

I have been trying to validate some allege debt on my credit report for about a year now with the credit bureaus. there's several accounts reporting inaccuracies on my credit report. for my understanding every single account reporting on a consumers report should be accurate in order to be on a credit report. I have account that the collections agencies are not reporting accurate. I have sent validation of debt to the collection agencies which mist of them they never replied to it. and the rest are reporting inaccuracies. 

I have tried several times with the credit bureaus to try to validate such accounts, but they either replied with a letter stating that the accounts have been verified or never reply at all. I decided to filed this complaint because I don't know what to do to get them to remove the account from my credit report. 

the credit bureaus are XXXX, XXXX, Equifax.
Complaint sub-issue: Reporting company used your report improperly

This is in regards to account resolution still being reported on my credit report. There are 2 accounts being reported on my credit report with this company and equifax has chosen to continue to violate my rights by furnishing this account after I have asked them to delete. They violated my rights and I am wanting this account to be removed. Both accounts. First I did not give XXXX XXXXXXXX my written instructions to furnish my account. Accoring to 15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. It is clear as day yet still being reported. Also, this account is not a judgement or conviction and any other type of settlement that has involved the courts. Now according to 15 U.S.C. 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. Clear Violation. This account needs to be deleted. This is clear as day and needs to be deleted. I am not understanding why Equifax is not actually doing their due diligence and treating my consumer report with fairness. They have refused to deleted these accounts and I am actually over it. If these accounts are not deleted after these clear violations have been seen and established next step is to take this to court. Please do your due diligence and look at account resolution and see the violations and delete items. This item was also deleted from XXXX which means that this account should match across all 3 if being reported to all 3 but yet Equifax has chosen to ignore my proof. I am not asking for verification. I do not need this information verified. I need this account to be looked at and seen that they have violated. EQUIFAX AND XXXX XXXX have both violated me.
Complaint sub-issue: Banking errors

This is an additional complaint adding to a previous complaint : COMPLAINT ID XXXX " After reviewing my year-end statement I noticed that PNC has charged me over four thousand dollars in overdraft fees .... '' On XXXX - Spoke to a representative in regards to my complaint. At this time PNC bank has not satisfactorily resolved the issue. Went as far as not acknowledging that my first attempt of requesting help ended up in their rep stating " They can not give a refund because one was given previously ''. At this point, it is not a refund but in fact, them returning money they unrightfully took from my account. I think sincerely believe they are making every attempt to dodge this complaint and respond back in such a way that drags on. It leaves consumers no option but to obtain legal counsel.
Complaint sub-issue: Information belongs to someone else

I have a letter From XXXX XXXX XXXX that I am enclosing that validates that the debt that XXXX XXXX XXXX AKA XXXX XXXX XXXX says I have with them is not my debt. I have filed numerous complaints with XXXX and Equifax trying to get this debt removed. In every complaint XXXX and Equifax swore the information XXXX XXXX supplied that validated this debt was accurate and credible. Here is a letter from XXXX XXXX XXXX ( The alleged original creditor ) that says this is not my debt and I am not responsible for it. I want XXXX XXXX XXXX trade line removed from my credit report bt XXXX and Equifax.
Complaint sub-issue: Information belongs to someone else

I have contacted equifax several times about several accounts and inquires requesting they are blocked from my credit report due to identity theft. They keep updating the trade line as verified even after identity theft report was sent in to them. I did an online dispute in XX/XX/2018. I sent in a letter as well in XX/XX/2018 and I also fixed the letter into them and accounts has not been removed. Also Eauifax data breach there was several inquires added to my report.
Complaint sub-issue: Problem with fees

My card is with Citi Bank and I paid it off in full on XXXX ( {$23000.00} ). On XX/XX/XXXX I got a text saying I had a late fee so I called them to see what was wrong as I had paid {$400.00} on XXXX and {$400.00} on XX/XX/XXXX. The rep said it was a late fee and interest so instead of arguing with her I paid {$37.00}. That night I looked at my previous and called them the next day to see why I was charged a late fee. They said it was because i paid early and it when against the previous bill. I said I was penalized for paying early?? and the rep said they would credit it back to my back account. Nothing was credited back and I tried calling a fee times and couldn't get through until XX/XX/XXXX or XXXX. I had to explain all over again and that rep said they would credit it back to my account and I should see it in my XXXX XXXX XXXXXXXX account by that Thursday or friday, XX/XX/XXXX or XXXX. Nothing has been credited back and I've tried to call and messenger then and can not get through. I waited over an hour on the phone yesterday XX/XX/XXXX and finally hung up. I would like this resolved but can't seem to get them to fix it. I've seen others complain about them also so I feel something needs to be done.
Complaint sub-issue: Debt is not yours

I am submitting a complaint against Klarna & XXXX for wrongfully attempting to collect debt for an item I never even received. 

I placed an order from XXXX on XXXX XXXX, with an order number of # XXXX in the total amount of {$210.00}. I had an XXXX gift card in the amount of {$36.00} which was placed towards the item, leaving a balance of {$190.00} to be paid. I used a Klarna prepaid card to make the purchase and was to pay the remaining balance off in 4 equal installments, beginning on the date of purchase. 
I paid {$41.00} in addition to using a gift card with the purchase of {$36.00}, for a total amount of {$77.00} on XX/XX/XXXX. 

Essentially, I never received the order I placed with XXXX. The associated tracking information for ORDER # XXXX asserts that my package was delivered to a " mail room '' on site here at my apartment. At the time, my apartment did not have a " mail room ''. 
Additionally, I have indicated specific and direct instructions with my XXXX orders to leave the package at my front door. 
Initially, I reached out to XXXX to resolve the order in which they told me to inquire again if the package did not show up a few days later. Additionally, I even went to my apartment 's leasing offices & no one knew the whereabouts of my package. 
I waited a few days before reaching out to XXXX to resolve the issue. 
I was told that I could not receive a refund because the order marked delivered. 
I find this odd, because there was no picture at all of my package that was allegedly delivered. Usually, XXXX takes a picture of delivered packages & uploads them to the order tracking for proof of delivery. 
I reached out several times to XXXX before reaching out to Klarna to dispute the charge. The Klarna transaction I made to initially obtain the prepaid card to pay for the XXXX purchase is referenced as Order # XXXX. 
I kept getting sent in circles by Klarna for months as we went back and forth regarding the issue via email. 
On XX/XX/XXXX, almost 6 months after placing the order on XXXX I never received, Klarna kept assuring me via email that my issue has been " forwarded to our Specialist Team for investigation and they will get in touch with you as soon as possible ''. 

Almost a month later I received an email on XX/XX/XXXX that Klarna has reported me to a collection agency for a purchase I did not receive. Klarna failed to notify me that they were sending me to collections for a purchase I did not receive. 

Klarna did not help me with this issue as I reached out multiple times for assistance.
Complaint sub-issue: Information belongs to someone else

Equifax is violating my consumer rights, damaging my creditworthiness, & sabotaging any chances of securing a new home for my family. Im currently trying to rent/buy a home for me and my family but inaccurate information on my Equifax credit report is preventing me from doing that. Equifax is not using reasonable procedures to assure maximum possible accuracy of information on my consumer credit report. 
The alleged account : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  ). 

There is no proof and/or documentation this alleged debt belongs to me. I even sent written communication directly to the debt collector and they were unable to provide me any validation of this debt pursuant to FDCPA. If the debt collector is unable to validate the alleged debt how is Equifax able to verify this debt? I sent written communication to attempt to resolve this issue with Equifax but they refuse me a proper investigation pursuant to the FCRA. I asked in my written letter to Equifax to be provided with verifiable proof of the alleged debts and the procedure used to determine the accuracy and completeness of the information. Im invoking my specified remedy as a consumer. I demand this account is immediately deleted. Once deleted I demand an updated credit report be sent to any person you furnished my credit report to within the last 12 months. Im looking to move my family into a new home in the next 30 days ; an expedited response will be truly appreciated! 

See attached documents : Exhibit A - proof of written communication to Equifax.
Complaint sub-issue: Personal information incorrect

Since XX/XX/XXXX, I have been a XXXX XXXX XXXX American Veteran ( XXXX ). In XX/XX/XXXX, the Department of Veteran Affairs ( VA ) mistakenly reported me as DECEASED, which also VOIDED my Social Security Number. In XX/XX/XXXX, the Department of Veteran Affairs corrected my VA files ; and also in XX/XX/XXXX, I went into my Local Social Security Administration ( SSA ) office and had my Social Security Number reactivated and reflowed through the SSA system ( see attached entitled SSA Letter ). The only problem I am still having for the past 6 years is when a potential Lender/Creditor request my Equifax  Credit Report. Every time a potential Lender/Creditor request my Equifax Credit Report, the Equifax Identity Report generated shows me as DECEASED ( See attached entitled My Equifax ID Report ). I am not having this DECEASED Identity Reporting problem when Lenders/Creditors request my XXXX or XXXX  Credit Reports.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XX/XX/XXXX XXXX XXXX of XXXX- I ask them to to try and Qualify me for a car under my Business EIN ( I did not give them my personal SSN ) and It still appeared on my Personal Credit File. 

XX/XX/XXXX This is the same situation as with XXXX XXXX of XXXX. 

XX/XX/XXXX XXXX XXXX - This is a legitimate Inquiry. I applied for a credit card. 

XX/XX/XXXX XXXX XXXX - This is a legitimate Inquiry. 

The below are all Inquiries that I did not authorize : Equifax : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Since hiring the XXXX  XXXX XXXX to represent me to sue companies like Equifax and the nearly 42 creditors who I have enclosed in this report is sad when Equifax doesnt care to follow the FCRA. I have enclosed a FTC report and local Police Report and I am just ignored by the same company that has distorted and continues to frivolously report a collection account after making multiple disputes and over 42 fraudulent inquiries.
Complaint sub-issue: Was not notified of investigation status or results

on XXXX XX/XX/XXXX, sent the XXXX a letter asking them to investigate some erroneous information on my credit report ( see letter attached ), they never responded to my complaint. I then sent them another letter on XX/XX/XXXX ( also attached to this communication ), still they never responded. Then of XX/XX/XXXX, they received i sent yet again another letter requesting that they block this fraudulent information from my report within 4 days as required .. and got no response ... ( see attached certified letter receipt ), i
Complaint sub-issue: Information belongs to someone else

This states a loan was opened in my name on XX/XX/2014. I have no knowledge of this loan or company. 

Company Name Flurish INC XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX I obtained a credit report for my first time in many years and am reviewing it. It says I owe {$520.00} dollars which is wrong. I need to get this resolved with your help.
Complaint sub-issue: Personal information incorrect

I am writing this complaint in protest of inaccurate information appearing on my credit report. I was told that this is a violation of 623, 611 FCRA. My name is XXXX XXXX please remove any other name from my file they are not right. My address is XXXX XXXX XXXX XXXX, XXXX OH XXXX. 
Please remove any other address from my file they are not accurate : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX , XXXX, VA XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX XXXX , VA XXXX XXXX XXXX XXXX XXXX XXXX , VA XXXX XXXX XXXX XXXX, XXXX , VA XXXX XXXX XXXX XXXX , XXXX XXXX , VA XXXX XXXX XXXX XXXX, XXXX XXXX , VA XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX
Complaint sub-issue: Reporting company used your report improperly

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 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.