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

I contacted all three credit bureaus about my stolen identity, I noticed on my credit reports that there was multiple inquiries placed on my report in XXXX, I quickly contacted the creditors and asked them to remove them from my report since these inquiries were fraudulently placed and they said it was nothing they could do about the issue.
Complaint sub-issue: Problem with fees

In XXXX of 2020 I bought a TV from Best Buy with my Best Buy credit card. XXXX was {$2000.00} on 24 months interest free promotion. I set up a {$100.00} auto draft to pay it off in time to not pay any interest. During the 24 months. I put a random purchase on the card, and turns out Citi Bank 's terms & conditions state that the auto-draft payment goes to the higher interest balance first. So it paid off those random purchases first. $ XXXX random purchase I wouldn't have done had I known this would happen. This caused me to miss the 24 month payoff and accrue interest for the entire purchase. I was under the impression my auto-payment was going to the main {$2000.00} balance first, not the smallest balance. This has caused me to have a {$2200.00} balance, over 2 YEARS after paying {$2400.00} to this balance. I called Citi Bank and they just told me there's nothing they can do. Best Buy said call Citi Bank they can't do anything either. 

A {$2000.00} balance right before XXXX because Citi 's terrible policy they have in place to purposely catch people up and force them to pay interest. It's a clever rule that other banks don't have, I work at a bank and have for a decade. 

I'm going to speak to my attorney and see what legal options I have, but wanted to reach out to the CFPB for help. I've had success before with you.
Complaint sub-issue: Problem during payment process

Recently in a response to a settlement offer on my account ( ending in XXXX ), I contacted Discover. I spoke with a customer service agency, XXXX, about setting up payment arrangements on a past due account since I couldn't afford the settlement. I sent in a {$500.00} good faith payment as agreed upon on the date agreed upon and then regular monthly {$200.00} payments, which they have accepted and cashed. Even when I was out of work and on unemployment benefits I sent in regular payments, albeit smaller than the minimum due, just to show that I had every intention to pay this account.All payments have been cashed by Discover but in XX/XX/2018, despite a payment agreement in place, my account was sent to a collections agency. Despite this, knowing that I had this payment agreement, I have been sending in my payments to Discover as I guaranteed that I would, and I have been writing letters with each payment asking this to be removed from collections and to keep the agreement that was set up with their customer service department. No one ever contacted me back in response to these letters. I have also been in contact with the collections agency, XXXX XXXX XXXX whom held the inaccurately discharged account as well who state they contacted Discover and they have no record of the payment agreement. Which is absurd since I personally talked to a customer service agent and I have kept my end of the deal. This should have NEVER been sent to collections. 

I filed a BBB complaint against XXXX and got an email from the Executive Office of Discover from XXXX XXXX stating that she was going to look into this on XX/XX/2018. I then received a letter from the sheriff on behalf of XXXX XXXX XXXX stating that I was being sued. Which is insane since I was making all my payments as agreed upon with Discover, they knew this and still continued with collections activity even though I was disputing the collection activity of this account. 

Since XXXX emailed me on the XXXX I have sent XXXX emails, one with proof  of all cashed payments and left XXXX voicemail and she has not responded at all. 

I feel I am being screwed over by this large bank and my credit is being hurt in the meantime. I need help. I want to continue my payment arrangement and have this account removed from collections and off my credit report as in collections. I want to make good on my debt and avoid bankruptcy but I am.getting zero response from Discover. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX
Complaint sub-issue: Was not notified of investigation status or results

This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached my FTC report. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!
Complaint sub-issue: Debt is not yours

On XXXX XXXX XXXX I discovered Enhanced Recovery Corp ( XXXX XXXX ) had been re-inserted into my credit file. I 'm aware that the credit bureaus are required to notify me within five ( 5 ) days of re-inserting a previously deleted item, I did not receive any such notification. This item should be delete immediately.
Complaint sub-issue: Information belongs to someone else

It has been a long time since I started disputing my Credit File in hopes of having the fraudulent items be completely removed from my Credit File, however, the Credit Bureaus have done nothing despite the consecutive, multiple disputes I have been submitting. I have read that under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to send me copies of proof of verification and or copies of proof of ownership or any documents bearing my signature but up until now, the Credit Reporting Agencies have never sent me anything related to my dispute. I am now submitting this CFPB Complaint requesting to the Credit Bureaus that they remove the disputed accounts and information that resulted due to identity theft. I need the following items removed as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX  XX/XX/2022. Also, the Credit Bureaus have been claiming that the disputed items belong to me without sending me copies of documents that I have been seeking. This action of the Credit Bureaus is a clear violated of a consumer 's rights in under the Fair Credit Reporting Act. I have informed my legal aides regarding this matter and they are willing to help me deliver this case to a federal court. If it is not too much to ask, please remove the disputed items as soon as possible.
Complaint sub-issue: Information belongs to someone else

This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX  XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX, XXXX XXXX Balance {$1600.00} XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry Date 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 XXXX XXXX Date of Inquiry : XXXX XXXX  Date of Inquiry : XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX Date of Inquiry : XXXX XXXX Date of Inquiry : XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX Inquiry Date XXXX
Complaint sub-issue: Information belongs to someone else

Someone attempted to receive a loan using my information through Sallie Mae. Hard inquiry is not by me and should be removed from my credit report.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/XXXX I mailed my letters to XXXX, Equifax, and XXXX explains to them how they have broke my consumer rights and exactly what inquiries and accounts need removed from my consumer report. It has now been well over 30 days and I have still not heard anything from anyone of the credit bureaus listed earlier. This is another violation not replying to me.
Complaint sub-issue: Fraudulent loan

I Have a car loan that I didnt consent too. Ive tried calling Credit Karma and other places to see where this vehicle is, that I knew nothing of Title 15 1681. 
Fraudulent loan has been place through my extension of credit. I will be filing a police report against Credit Karma for Fraud
Complaint sub-issue: Deposits and withdrawals

I called us bank in regards to direct deposits coming into my old closed account and needing a form to transfer such said funds into my new account. I was directed on 3 occasions even prior to coming to the bank that I could come into the bank and have them process the form the same day rather than do it through customer service which could take up to 3 business days. When I arrived at the XXXX branch on XXXX in XXXX illinois, the representative was very rude and nasty and showed obvious discontent by rolling her eyes at me when I asked for help. When I asked to speak to her supervisor she refused to let me speak to the supervisor then the branch manager called security on my who made threats to me and cursed at me in front of my children and family. They refused to respond to the customer service matter or have a manager contact me. When I called customer service to verify the information I was told by a supervisor that I was indeed informed  correctly that the bank should have been able to process the form directly. 

Later that day I actually had someone call me from a branch and process the form over the phone. I would also mention I waited over two hours in the drive they line to receive such vulgar and incompetent service.

I also filed an internal complaint with their customer service which has been ignored and not responded to. I called the regional director of the bank branch she also has not returned my phone call.

This is unacceptable for this refusal of service and hold of access to my account. I would request the video be pulled from both sides of the drive thru window to show that even as I was being polite initially to the  representative she was rude argumentative and rolling her eyes was beyond disrespectful.
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.

1.Validate Account XXXX XXXX XXXX  Account Number : XXXX : 2.Validate Account XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX 3.Validate Account XXXX Account XXXX, XXXX  Account XXXX Validate Account XXXX  Account XXXX 6. Validate Account XXXX XXXXXXXX Account XXXX Validate Account XXXX Account XXXX Validate Account XXXX Account Number : XXXX Validate Account XXXX Account XXXX Validate 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 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: Information is not mine

Equifax is not responding to my requests to investigate, verify and remove XXXX account from my credit report that does not belong to me.
Complaint sub-issue: Account opened as a result of fraud

XXXX XXXX, 2017 approximately XXXX XXXX I entered Citibank on XXXX XXXX XXXX XXXX NY XXXX. I came in the bank to close the account and open another account in which I have power of attorney. The account was blocked by the fraud department because someone had access to the account and routing number ( fake check was made ). I spoke with XXXX XXXX XXXX and he immediately went to get his branch manager XXXX XXXX. They informed me that they have to go to the back to call the fraud department. They need to call the bank that issued the POA and they need to get in contact with the bank that originally opened the account 12 years ago. After waiting for 2.0 hours ( they never came back to check to me ) I decided to call customer service. I called customer service and spoke with a supervisor. The supervisor said the Fraud department released the account over to the Bank Manager and that they should be closing and opening me a new account. While I ha the supervisor on the phone I went to look for XXXX and XXXX because the customer service representative wanted to speak to them. XXXX stated we are not allowed to speak on your cell phone the customer service representative must call the branch. While waiting on the phone ... the customer service supervisor called the branch. They were on the phone for quite some time. She came back to and asked can she call me back because the branch manager wants to speak to the fraud department to see if the account was released to the branch manager. XXXX XXXX I received a call from XXXX. She explained to me that the fraud department confirmed with the branch manager that the account was released to the branch. The customer service supervisor stated that the branch manager at the bank is suppose to close the account and open a new one ... .she was confused on why the branch manager was giving me a hard time. The customer service supervisor stated the branch manager was checking on the guidelines to open and close the account. She said the account was good to go to close and open new one. After waiting another hour  I looked for XXXX XXXX ( XXXX also told customer service she was not the branch manager ) ... ..when I found her she said she was still on hold for the fraud department. Meanwhile customer service stated that they spoke with her already. I explained that to XXXX XXXX she stated customer service is external and for the customers. She said that 's not internal so she have to speak with someone internally. I explained that I been waiting 3.5 hours will anyone help me. XXXX XXXX explained theres nothing we can do for you until the fraud department lift the block. The most they can do for me is open a new account. But before opening the new account ... they had to get the original Power of Attorney from the XXXX XXXX location ... ..I just left with nothing resolved. I felt discriminated against. I felt that they did everything in their power to ignore me. They went to the back office and never came back. I had to go seek for them.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update these incorrect accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX : {$28000.00} ; XXXX : {$35000.00}
Complaint sub-issue: Problem with customer service

Starting on XX/XX/XXXX I have attempted to contact MOHELA customer service to discuss a refund of payments. I have called everyday excluding Sunday in the morning, afternoon and evening. Each time I spent an average of XXXX minutes waiting in a phone tree. Once I am able to get to the option I need to talk with someone about wanting a refund I will be given a message that no will be able to talk with me. The phone tree will then drop me into an infinite loop asking for me to input information about XXXX. 

I have since attempted to send messages through MOHELA 's website and have not received any reply.
Complaint sub-issue: Didn't receive enough information to verify debt

This morning on XXXX I contacted by phone XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX to pay for a credit card debit of {$1000.00} that was sent to them for collections that stated XXXX XXXX XXXX current creditor original creditor XXXX XXXX XXXX that was owed on my credit card XXXX XXXX that was delinquent on XXXX the last payment charge-off date was XXXX and my last bill for collections was sent to me on XXXX I called them this morning and they that they had now sent it to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, SC XXXX the phone number that XXXX XXXX XXXX  XXXX gave me to contact XXXX XXXX XXXX was XXXX and the woman I spoke with said her name was XXXX and was not allowed by the company to give out her last name I I told her I wanted to use my XXXX  Bank Debit to pay the {$1000.00} she explained to me that they could only process the payment with my bank account number and my routing number so I gave it to her thinking to myself that this should be a red flag and I went ahead and gave it to her and she processed my payment and sent a confirmation email to me with a confirmation number with a note at the bottom stating it could take up to 3 days to process. I then called my banks fraud prevention and they told me to keep an eye on my account and that it was likely legitimate. 
NOW I Will Explain WHY I AM CONTACTING YOU. 
After my payment was processed the woman on the phone who said her name was XXXX explained to me that there was another credit card debt with a outstanding Citi Bank XXXX charge of {$24000.00} under my social security number in collections under the name of XXXX XXXX who I believe his real name is XXXX XXXX on XX/XX/XXXX and in XX/XX/XXXX the card was issued. I used to have a XXXX XXXX XXXX XXXX, Ca ( which is a very small town in XXXX California. ) and the previous person who had my po box was someone by the name of XXXX XXXX and around XXXX he tried to follow me on the social media app XXXX XXXX under the name XXXX XXXX. In XXXX while I was working for XXXX XXXX XXXX XXXX in XXXX California he also had a charge account with an outstanding bill and he wanted to put a small XXXX generator on his account but the cashier could not let him do this since his account was already overdue then the head manager XXXX XXXX authorized and let him proceed with the charge to his account this is how I think I know who this person really is I think XXXX XXXX is definitely really XXXX XXXX and while I lived in XXXX California he managed to obtain and use my social security card to get himself issued a credit card.
Complaint sub-issue: Frequent or repeated calls

The automated dialer calls my phone several times through out the day. Every day. Even though I have payment arrangements with the local branch. I have asked for this to stop and it has not.
Complaint sub-issue: Investigation took more than 30 days

These Bureaus are falsely reporting alleged debt which is a FDCPA section 807 violation " 15 USC 1692e '' The alleged debt can not be verified and I have yet to receive a response after 30 days which is yet another violation under the FCRA.
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the account listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 



Name accounts below : DP OF EDUC XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I recently checked my updated personal credit report and I noticed that there are unauthorized inquiries reporting on my personal credit report. I contacted the company and asked them to remove their credit inquiries from my credit profile. I request that CREDIT BUREAUS initiate an investigation into the following inquiries listed on my credit report to determine who authorized these inquiries. If, once their investigation is complete, find my allegation to be true, please remove these unathorized inquiries as soon as possible : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Received bad information about my loan

Fedloan Servicing alleges that I was 30/60/90/120/150 days late on my Student Loan payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/2015. They keep reporting this inaccurate information every month to the credit bureaus XXXX and XXXX.
Complaint sub-issue: Didn't receive enough information to verify debt

There is an Debt from Americollect for {$130.00} from XXXX. The Original Creditor was XXXX XXXX of Wisconsin. I never received a written communication about this Bill. Under FDCRA you don't have a right to collect on this Debt. Please remove
Complaint sub-issue: Information belongs to someone else

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$8600.00} XXXX  XXXX XXXX Balance : {$4000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance XXXX {$230.00} XXXX XXXX XXXX XXXX XX/XX/2020
Complaint sub-issue: Didn't receive enough information to verify debt

On XX/XX/2018 I contact them by written letter to paid for deleted that account of my credit report they never answer me.