Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

Please be advised this is my FIFTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite four previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX Date opened XX/XX/2015 Balance  {$0.00}.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I got my first credit builder partially secured installment Loan from MoneyLion in XXXX of XXXX and was finally able to pay it off in XXXX of XXXX with a approximately a {$400.00} principal payment left. The first loan was a ok process and they offered me what I thought it was a good deal since I was looking to get a positive line of credit to start rebuilding my credit to possibly get it off the ground and a opportunity to save some capital. Moneylion presents itself as a lender that helps clients get ahead with a low risk collateral loan. Moneylion both times loaned me {$1000.00} once in XX/XX/XXXX and {$1000.00} XX/XX/XXXX. Moneylion on the first loan gave me appx {$600.00} of that {$1000.00} in XXXX and I made the payments on time but Moneylion brought in other fees such as Membership fees that were {$20.00} nearly and credit monitoring fee was {$5.00}. MoneyLion also gives out high payday loans as a incentive for tagging on {$20.00} membership fees that you have no idea about until you look at your statement. MoneyLion some weeks was able to get me out of up to {$300.00} because of this obligation that had me going in circles to pay at first. Florida has a cooldown period before you can take any type of high risk funding. This company was really a lender that is waiting borrowers to default while making interest off of me in every way and also selling my personal information to third parties malicious, phishing site that post links on MoneyLions platform its a App that advertise clickbait but is how you make sure the payments actually go through. The system will sometimes unlink the account that you make the auto payments out of and MoneyLion doesnt give you a call to see whats going on with the payment that was scheduled which is unlawful They then report to your credit report negative and of course they then add even more Interest and 5 % late fees on to the principal of your loan. 
Then the third parties have your banking information, and all the information you trusted Moneylions payment platform which they guarantee its secure but I believe they leak your data because you start to get cold calls your phone stating your approved for a loan you know nothing about and 100s of text messages text messages a link, emails with the same. Moneylion is a malicious lender who reports inaccurate information to credit bureaus with inflated balances on installments and false late payments along with in many states illegally charging extreme interest rates, collecting a membership fee monthly almost equal, giving third parties sites access to SSN, Addresses, Banking Accounts numbers etc, forcing customers to sign contracts stating they are signing over all their consumer right and the right to a jury trial before they loan any amount of money.
Complaint sub-issue: Funds not received from closed account

XX/XX/22 Indemnification Form received, according to PNC 's policy they need this form signed to issue a cashier 's check for any amount above {$25000.00} but the form they sent me is to reissue the check and hold the bank harmless. So if this form needed to be signed for the check to be originally issued and I did not sign it how is it that PNC cut a check for me to begin with? And if they could not have cut me a check, to begin with then how did they lose the original check? 

XX/XX/22 I spoke at length on the phone with a representative about this form he was supposed to relay this to the person assigned to my account he, however, did not, and now the person assigned to my account is requesting this form which I will not sign. I have requested an immediate mailing address for my attorney to mail a letter to and have not received an address yet. 

I will not sign this form because I will be pursuing legal action against PNC for their gross mishandling of my account over the past 4 months and due to the fact that I closed the account over a month ago and I am still owed {$33000.00} from PNC. 


I am filing this last complaint to make a record that PNC will be paying all of my legal fees.
Complaint sub-issue: Problem with fees

Many years ago, I called citibank to cancel the recurring fee that I was receiving for " Debt Protection. '' This was before the settlement in XXXX and they refused to refund the fees, however they stated the charge would cease. I distinctly remember that it had ceased at one point, however I realized this morning that it is again recurring on my  statements and has been for as far back as their online portal will let me review statements, XX/XX/XXXX. I have no doubt that this charge goes back further than that, but I have no way of knowing exactly how far without additional statements. Additionally, after reading the settlement and reviewing emails, I was never contacted by citibank to refund the fees as stated in the XXXX settlement. So, this morning I called to get the matter resolved and was blind transferred by multiple employees in a round-robin ring where no one would take ownership or direct me to who to talk to. Ultimately, I have been hung up on twice. On the last call, where I was finally able to reach a native English speaker, she assured me that she would get me to the right person and not hang up on me. She then requested to put me on hold while she researched, then, without speaking, blind transferred me to a department that, by its title, was responsible for just this issue. They had a touch tone system with 1 and 2 used for prompts. 2 was the options I needed, but instead of transferring me to a person, it looped me back around to the main account status system where it was attempting to look up my account. This is a blatant use of technology to route worthy customers into a black hole of avoidance. I want my fees refunded as far back as the settlement requires them to go.
Complaint sub-issue: Debt was result of identity theft

As the parent company to TRS Recovery Services, Telecheck was told by my bank that it " denied '' payments to merchants on personal checks connected to my account that were the result of identity theft. This was after the bank had already paid the merchants once and I had been reimbursed for the theft by the bank. When the bank pulled back the original payments of the checks, I became a victim of fraud twice over by TRS Services via TeleCheck and my bank.
Complaint sub-issue: Reporting company used your report improperly

The company reported an account improperly to my credit without first notifying me to resolve the issue. 

Account number XXXX
Complaint sub-issue: Investigation took more than 30 days

I HAVE SUBMITTED MULTIPLE DOCUMENTS TO ALL OF THE CREDIT REPORTING AGENCIES ABOUT THE INACCURATE AND FRAUD RELATED INFORMATION THAT IS REPORTING TO MY CONSUMER REPORTS. I AM LISTING BELOW ALL OF THE VIOLATIONS UNDER THE LAW THAT HAVE BEEN COMMITTED AGAINST ME.. FROM SPEAKING WITHNMY CONSUMER ATTORNEY I AM TO BE COMPENSATED FOR EACH ACCOUNT REPORTING UNDER THIS LAW. 

( 1 ) Respondent furnished inaccurate information about consumers credit to Consumer Reporting Agencies ( CRAs ) that it knew or had reasonable cause to believe was inaccurate in violation of 623 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s- 2 ( a ) ( 1 ) ( A ) ; ( 2 ) Respondent, in furnishing on certain consumer accounts, failed to provide to CRAs the date a delinquency commenced, in violation of 623 ( a ) ( 5 ) of the FCRA,15 U.S.C. 1681s-2 ( a ) ( 5 ) ; ( 3 ) Respondent failed to conduct reasonable investigations of consumer disputes or to do so in a timely fashion, in violation of 623 ( b ) ( 1 ), 623 ( a ) ( 8 ) ( E ) ( i ), 623 ( a ) ( 8 ) ( E ) ( iii ) of the FCRA, 15 U.S.C. 1681s- 2020-BCFP-0021 Document 1 Filed 11/12/2020 Page 2 of 36 2 ( b ) ( 1 ), 1681s-2 ( a ) ( 8 ) ( E ) ( i ), 1681s-2 ( a ) ( 8 ) ( E ) ( iii ), and 1022.43 ( e ) ( 1 ) and 1022.43 ( e ) ( 3 ) of Regulation V, 12 C.F.R. 1022.43 ( e ) ( 1 ), 1022.43 ( e ) ( 1 ) ; ( 4 ) Respondent failed to make determinations or provide the required notices to consumers that their disputes were frivolous or irrelevant and did not require investigation, in violation of 623 ( a ) ( 8 ) ( F ) of the FCRA, 15 U.S.C. 1681s- 2 ( a ) ( 8 ) ( f ) ( ii ), ( iii ), and 1022.43 ( f ) ( 2 ) of Regulation V, 12 C.F.R. 1022.43 ( f ) ( 2 ), ( 3 ) ; ( 5 ) Respondent failed to establish, implement, review or update reasonable policies and procedures regarding its furnishing of consumer information to CRAs in violation of 12 C.F.R. 1022.42 ; and ( 6 ) Respondent, as a covered person engaging in violations of a Federal consumer financial law, violated the Consumer Financial Protection Act ( CFPA ), 1036 ( a ) ( 1 ) ( A ) of the CFPA. 12 U.S.C. 5536 ( a ) ( 1 ) ( A ). Under 1053 and 1055 of the CFP A, 12 U.S.C. 5563, 5565,
Complaint sub-issue: Information is missing that should be on the report

I have a $ XXXX revolving account with XXXX XXXX. XXXX  is not reporting the account even after repeated attempts to request they do. I know for a fact that the company reports to XXXX but they are not reporting it.
Complaint sub-issue: Information belongs to someone else

These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. They have violated my consumer rights, and I am seeking legal action to have them removed. I don't owe this debt so this is clearly a violation of the FCRA section 602 ( a ) & FDCPA section 809 if you can not validate the debt, you must request all credit reporting agencies delete the inaccurate information from my credit report IMMEDIATELY!
Complaint sub-issue: Banking errors

I opened a checking and savings account with CITI BANK and completed all the necessary requirements to receive the incentive offered by the bank. After completing all the requirements ( ATTACHED ) and verifying that I have completed all the requirements every step of the way, CITI BANK still has FAILED to credit my account. 


Representative XXXX on XX/XX/2018 explicitly stated " Therefore you should be expecting the bonus no later than XX/XX/2018. '' ( ATTACHED ) Representative XXXX on XX/XX/XXXX at XXXX XXXX stated " After this please allow 90 calendar days for the promotion bonus to be credited. Which will be on XX/XX/18. '' ( ATTACHED )
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 rights to privacy and confidentiality under 15 USC 1681. 
I 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.
Complaint sub-issue: Account information incorrect

Hello, I have never been late with this company. I have tried to make payments for the whole month of XXXX and XXXX and received errors when trying to make the payments. XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX : Dear Sir or Madam/To Whom It May Concern, On I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported erroneously. In 2022 your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested. This concerns me as I do not understand how you arrived at this conclusion since this information is indeed incorrect. This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed in 2022 ( To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 15 days or delete the negative items, as originally requested. Below are the items I am disputing. Sunbit is 30 days late. Please remove this asap. Your website and app have prevented me from making a payment in XXXX and XXXX and XXXX. see the attachment I got this same error in XXXX and XXXX and XXXX
Complaint sub-issue: Personal information incorrect

I checked my credit reports to verify my personal information. Im unable to dispute the incorrect personal information via XXXX, Equifax or XXXX  website. 
My name and SSN are wrong. 
My name is XXXX XXXX XXXX, not XXXX. 
My SSN is XXXX. 
My DOB is XX/XX/1987. 
My address is XXXX XXXX XXXX, XXXX, FL XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on my account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

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

" I am XXXX XXXX XXXX and I'm submitting this complaint myself and there is no third party involved '' Violation of the United States Code Law 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and not other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report. As a consumer these accounts on this letter must be deleted immediately 1.Under 15 U.S Code 1681 b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report anything on my consumer report with no consent is identity theft. Nelnet Account Number : XXXX As a Consumer by law this account must be deleted 2. 15 U.S. Code 1692 ( a ) - Consumers right to privacy The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. For this reason, You violated the United States Code Law 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and not other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report.. 1.Under 15 U.S Code 1681 b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report anything on my consumer report with no consent is identity theft. Nelnet Account Number : XXXX. As a Consumer by law this account must be deleted 2. 15 U.S. Code 1692 ( a ) - Consumers right to privacy The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. For this reason, a deletion of the above account is necessary being that a consumer report is in fact a medium. You are violating United States code law ; reporting any information is indirect communication. is necessary being that a consumer report is in fact a medium. You are violating United States code law ; reporting any information is indirect communication. Notice, it is a fact, that, I, agent for principal XXXX XXXX and XXXX, has reason to believe and do so believes, am a victim aggravated identity theft under Title 18 U.S.Code 1028A on four separate occasions as Department of Education, XXXX, XXXX, XXXX, and Nelnet has knowingly used without lawful authority, a means of my identification in order to compromise my financial reputation
Complaint sub-issue: Didn't receive terms that were advertised

I am sorry that this is the only way I know how to contact you in order to get a response. Please see prior communications with US Bank / XXXX CFPB and myself for prior details ( also attached ). 

I opened a US Bank Business checking account and fulfilled the terms of the offer XXXX earlier this year. I was surprised to have been told that bill payments that were initiated from my checking account are somehow not qualifying transactions. I am seeking clarification on why using the desktop " Bill Payments '' and " Pay Bills '' options from my checking account are not considered " XXXX XXXX '' transactions for the purposes of this promotion. 

When logged into my checking account online ( screenshot attached ), the " Bill Payments '' and " Pay Bills '' options are what were used to initiate payments for credit card bills during the time period of the promotional offer. It seems that US Bank 's manual review of these transactions are classified as " online and web payments '' -- so what is a " Bill Pay '' transaction that would qualify under the terms of the promo, if it is not a payment of a bill initiated from the " Bill Payments '' -> " Pay Bills '' option from the account? This is a misrepresentation of the offer terms if there are somehow two types of paying bills- one which is a promotional qualifying transaction, and one that isn't. 

As a longtime US Bank customer, I am asking for at the very least a good faith credit for this promotional offer. I clearly read the terms and fulfilled them based on what any consumer would understand " XXXX XXXX '' to mean, and I still maintain that the transactions are valid based on the offer terms.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My information was compromised with the Equifax Breach and on Friday ( XX/XX/XXXX ), I was told that I could not dispute my inquiries as they are a factual part of my credit report which was false. I expressed my right to dispute any incorrect information on my credit file as I saw fit. He said that he filed a dispute to have the items removed but in a phone call with another representative on XX/XX/XXXX that representative let me know that a dispute was never done. She once again tried to tell me that the information was factual but she claimed to have put in a dispute with conf # XXXX in which I do n't even know if the dispute was actually put in or if I was lied to again.
Complaint sub-issue: Their investigation did not fix an error on your report

I requested for derogatory accounts to be verified on first round and validated second round and neither action was taken. they failed to fully validate the accounts. 
I requested method of verification and copies of full and signed contracts and they did not produce either items.
Complaint sub-issue: Didn't receive notice of right to dispute

Sent me a bill and nothing else Ive made multiple contact attempts and have heard nothing back
Complaint sub-issue: Don't agree with the fees charged

I had two loans with Great Lakes, one XXXX Plus and one private. In 2013, the  co-signer of the private loan paid off their balance and I was left with a balance of {$9000.00}. Great Lakes wiped the {$9000.00} off my account and I was only left with the XXXX Plus loan. <P/>In XXXX, I applied for a consolidation loan of all my federal loans and chose GL as the provider. They added on the old {$9000.00} from the PRIVATE loan to my consolidation loans and did n't tell me. Repeated attempts to find out why they added {$9000.00} to my federal consolidation loans have gone unanswered. <P/>This is a criminal act and needs to be looked into.
Complaint sub-issue: Problem getting your free annual credit report

After 2 requests Equifax hasn't provided me with my Annual Credit Report. Details of the problem are in my XXXX e-mail to Equifax CEO, XXXX XXXX. >>>CFPB- If the file hasn't gone through then I need an e-mail address, so I can provide this communication to the Complaint<<<
Complaint sub-issue: Other problem getting your report or credit score

I have been reporting this for months and its now time for actions. 


I have reported time and time again that I can not get my credit score and report. 

I keep getting this same error as attached- Equifax also illegally dropped my points Over 120 Points twice in XX/XX/2022, and ever since my score has been awful low even with XXXX per Ft payment history Per statutory fine I am entitled to {$1000.00}
Complaint sub-issue: Account status incorrect

Equifax is reporting this closed account fraudulently, XXXX XXXX, as 60 day Late 9 months after the account was closed with a XXXX  balance. Now its being reported as a CHARGE OFF account. XXXX XXXX  XXXX, this account was closed at my request and paid in full & never late and CLOSED in XX/XX/XXXX. A debt validation letter was sent on XX/XX/XXXX I received a letter back from XXXX XXXX that they were going to remove this account from my credit file which has not occurred. They have continued to fraudulently and inaccurately report this account on all three credit reporting companies. Please see the attached documents for proof of this. 

Ive also included my bank statement for to prove that payments were made to them in XXXX and XXXX of XXXX. They are reporting this account as of today as a CHARGED OFF account. 

Ive attached my bank statements for XX/XX/XXXX and XX/XX/XXXX Ive attached examples of them reporting this account fraudulently numerous times when the account was closed and had a XXXX balance. 

Ive attached the debt validation letter that was sent to them. 

Ive attached the two letters they sent back to me stating they would remove this from all three credit reporting agencies.