Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Can't use card to make purchases

I purchased a {$500.00} XXXX XXXX XXXX from XXXX. The issuer of the prepaid XXXX is USBank. I gave this as graduation gift. When the recipient went to use it, she was told that it has only {$0.00} on it. I have talked with XXXX  three times. They state that they activated the card properly on their end it I have to deal with the XXXX issuers. I have talked with them twice. They tell me it has been put on " fraud monitoring '' hold and I have to submit several documents before they will unlock the card. This makes no sense, they don't know my name anyway. I do not know this issuing institution, I do not want to give them a copy of my Driver 's License, my granddaughter 's name, etc. 

The keep repeating that it has been put on fraud alert. I asked them who put it on alert and why. All they will say is that their fraud department flagged it. They are asking for my name, my ID, my granddaughter 's name, etc. They have no business asking for this info. I paid for the card and it was activated at the check stand. 

I am caught between XXXX being unwilling to help and USBank asking me for a lot of information that is unnecessary!!
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: Card opened as result of identity theft or fraud

No action taken besides my account closed. I added money into the account and my account was still closed and still in the negative
Complaint sub-issue: Trouble with how payments are being handled

I am asking the CFPB to contact Mohela to get them to forgive the remaining balance on my student loans. 
On XXXX/XXXX/2022, I submitted a completed, signed PSLF application to Mohela, in order to seek forgiveness on my student loans based on the fact that I have over XXXX  months of on-time, completed loan payments. 
According to Mohela 's website, this forgiveness review should have taken up to XXXX days. We are now past XXXX  days ; I can not get anyone on the Mohela customer service helpline, and I have all the qualifying payment information submitted to Mohela.
Complaint sub-issue: Information belongs to someone else

There was fraudulent activity on my credit report. A false address through experian ( XXXX XXXX XXXX XXXX XXXX XXXX, Florida ) & hard inquiries on all 3 credit reports from XXXX XXXX & discover financial services. I contacted those banks & let them know that those were fraudulent & to take them off. I also contacted the credit bureaus & froze my credit since the fraud alerts werent working. I was able to dispute on all credit reports besides transunion due to identity problems. Thats why I had to contact the banks to remove the fraudulent credit card activity. Those dates were XX/XX/XXXX & XX/XX/XXXX
Complaint sub-issue: Account information incorrect

I had an account with Citi Bank and fell behind. The last payment was made around XX/XX/XXXX. The account was closed XX/XX/XXXX due to past due statue. There was a deficiency balance which was included in the bankruptcy but the statue of limitations passed since the account first became delinquent 10 years prior to XX/XX/XXXX of this year and the statue is only 7 years from when the account first became late and never again became current. It has been disputed with the bureaus as well. The issue appears to be with Citi since all three credit reporting agencies are reporting the account. I have attached the letter to show you the timeline. Keep in mind the account shows closed as of XX/XX/XXXX but it was delinquent prior to that.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX  # XXXX is reporting an account that is not mine. I was removed as an authorized user and this account should no longer be on my credit. I would like for this account to be removed as it is negatively effecting my credit.
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The disputed account does not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove this file. XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$990.00} ; If the credit bureaus feel there is a possibility this account belongs to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Their investigation did not fix an error on your report

I've disputed these items twice with no response.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have been in contact with each credit reporting agency since XX/XX/2021. After a few letters and a phone call to each I have decided to file this complaint. A overload of hard inquiries not authorized by me need to be removed. At no time do the companies nor the credit reporting agencies have permission to list this on my consumer report. The real fraud are the companies and credit reporting agencies not following consumer laws and taking the power from the me as the consumer.
Complaint sub-issue: Personal information

I never lived at the XXXX PA address. This is not or never has been my address. Please remove from my credit report.
Complaint sub-issue: Attempted to collect wrong amount

In XX/XX/2020, The professional Credit Service is trying to collect money from me on behalf of ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX XXXX ) for the service I did not receive. I have been trying to dispute this wrong billing directly with XXXX but they disregarding my dispute and is continuing to hold me accountable to pay {$300.00} for the wrong service they performed on me. They have now sent my unpaid bill to be collected by the collection agency, I tried to dispute with the Professional Credit Service but they couldn't fight and get me fair response from XXXX. 

I went to urgent care on XX/XX/XXXX to XXXX in XXXX XXXX, CA, for a COVID test, the doctor who saw me ( DR. XXXX XXXX XXXX ) did not do the Covid test but they performed another kind of XXXX XXXX XXXX on me without my approval and now charging me for it!. I have been fighting this battle since XXXX this year and now I'm being forced to pay for something I didn't want. 

I fear that if I do not pay, they will ruin/impact my credit. I have a well reputed job, I have an excellent credit score and I believe in paying all my dues on time but I do not believe in getting billed wrongfully and being forced to pay. 

Hope you will consider my complaint and take the necessary action and support me. 
Thank you
Complaint sub-issue: Account information incorrect

I want delinquent payments taken off my payment record. On XX/XX/2015 I payed 3x the payment amount ( {$240.00} ), then the record says no payment was made until XX/XX/2015. I have since made 39 consecutive monthly payments of the requested amount, and I have paid one loan off in full. The company said they did not have a resolution to the problem. Due to the duration of consistent payments and the inactivity of the company to resolve the problem, I am filing a complaint here.
Complaint sub-issue: Information is missing that should be on the report

There is an unidentified collection account reporting to my credit report. I have reached out the the bureau on XX/XX/XXXX & XX/XX/XXXX to explain the account is in violation because it does not provide the name, telephone, and email address of the creditor. 
Please see the attached letters that were sent and a copy of the credit reporting issue.
Complaint sub-issue: Privacy issues

Im writing this letter to report that my credit card with Citibank are illegally being monitored. 

I suspect someone have illegally accessed my personal information and track my credit card activities without my permission. 

I received 3 Robocalls from Citibank since Friday, XX/XX/2019. 

This activities are ongoing and needs to be stopped due to privacy violation.
Complaint sub-issue: Can't temporarily delay making payments

XXXX XXXX/XXXX stated in the Federal Student Aid that I defaulted on my rehab loan. They said that I failed to make 6 consecutive payments. I I have 2 documents from XXXX XXXX that states that I made 6 consecutive payments. The other document states that I made 7 consecutive payments. The truth is I made 10 payments and 9 of those were consecutive. Then they said I defaulted on my rehab loan so they could garnish my wages, which they did. I never signed any paperwork in regards to any agreement on rehab payments. I made 10 payments of {$150.00} on 9 consecutive months. The first month was XX/XX/XXXX- XX/XX/XXXX. Again I have all paperwork that backs my statement. On ECMCs website I was able to look up both of loans. Since ECMC became my lender. I noticed that on XX/XX/XXXX they stated that there was an rehabilitation repurchase payment from a lender for both loans, yet they never showed that they subtracted both payments to my account. I tried to have the Ombudsman look into this. ECCM said after 5 years they dont have records. I informed the Ombudsman that the paperwork I provided them with was from ECMC website. ECMC, XXXX XXXX and XXXX are the ones who are not telling the truth. ECMC took my refund from the I.R.S on XX/XX/XXXX. The total was {$3900.00}. On XXXX website and on ECMC website, they state that there were payment reversals. There where 6 payment refunds in which they sent me checks. They also state that one of those checks they sent out was the {$3900.00} for my taxes. I never saw that check, nor  did I cash it. The other ones I have check stubs and I cashed them. Of the paperwork that I received from XXXX, ECMC, or XXXX, no where does it ever show what payments went too, or a balance. There are more little mistakes that all three seem to keep making. If and when you decide I have a good case to sue, we can go over those too. 
Ecmc-ca stated in XX/XX/XXXX, that I defaulted by not making six consecutive payments. I found the paperwork that shows I made 9 consecutive payments. ECMC said I defaulted so they could wage garnish. When ECMC started me on a rehabilitation loan they never set me up with any paperwork. From their website I was able to see that there was a Rehabilitation Repurchase Payment. I asked ECMC to show a running total of what I paid. They never reply to any of emails, phone calls. I have all the paperwork that shows payments made to them that total over {$15000.00}. When other lenders would buy the loans, it never showed me paying anything. XXXX/ECMC are the ones who I paid from {$15000.00} - {$18000.00}, yet I never see this anywhere. What can I do? 
Thanks XXXX XXXX
Complaint sub-issue: Card was charged for something you did not purchase with the card

I am a customer of Bank of the West. My Debit card was recently charged for charges I didnt purchase within this month and last month. I went to XXXX, XXXX for a vacation. The date were XXXX XXXX XX/XX/XXXX of 2022. During my stay I lost my debit card around the XXXX or XXXX of XXXX. I reported the card lost/stolen to my bank through the mobile app and requested a new card. When I got back to the United States on the XXXX of XXXX the new card that arrived in the mail had the exact same 16 digits on the card that I had lost. I dont know if this was a mistake or what happened. I went ahead and kept the card, but changed the PIN number on it. I checked my account to see if any unusual activity was taken place but none at the time of me looking. I had got pending credits from XXXX, that I did not do. I didnt notice the credits were being charged everyday until the XXXX of XXXX. I went to go get gas and my card declined both at the cashier and at the pump. The last time I checked my account I had about {$2400.00}, when I checked it the day the card kept declining I only had {$8.00}. I immediately called the bank and my account was frozen and put under investigation for 7-10 business days. In between the time of the investigation, I talked to the fraud department of my bank several times and one time being a supervisor. Out of the money that was taken, the bank only awarded me {$860.00}. I called the bank back and the supervisor of the fraud department named, XXXX told me that the examiners are the ones who look into the account and thats what they gave me. I asked could I talk to the examiner I was told, no and that they would contact me. I asked, when the supervisor replied maybe next week. I feel the bank is not trying to help me solve my problem and get my money back and at this point, I want someone to please to investigation on whats going on, because my bank I feel doesnt care.
Complaint sub-issue: Account status incorrect

I file a police report about a fraudulent account and Equifax and XXXX keep reporting the item belongs to me and it doesnt
Complaint sub-issue: Investigation took too long

I sent a dispute to Equifax XX/XX/2016. They received it on XXXX XXXX, and I 've yet to receive the results. The results were due back to me on XXXX XXXX and they did not arrive. Per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) the credit reporting agency must delete the disputed information. Attached you will find the disputes in question, and the proof of delivery. I am requested this information be deleted per the law.
Complaint sub-issue: Information belongs to someone else

My XXXX XXXX XXXX XXXX credit/debit card # : XXXX is lost/stolen. All of the transactions are fraudulent and unauthorized.
Complaint sub-issue: Deposits and withdrawals

An ACH transfer from another account was delayed/reordered to result in an overdraft fee from a check. According to the online banking information the transfer shows as pending Tuesday XXXX, and according to the sending institution was completed by sending institution on Monday XXXX. Also, a positive available balance is shown on the account and multiple debit transactions were allowed on XXXX even though overdraft is not authorized, which also supports the accusation that transfer was intentionally delayed or reordered to generate an overdraft on the check.
Complaint sub-issue: Old information reappears or never goes away

I called Equifax on XX/XX/2022 and XXXX on XX/XX/XXXX about an account that keeps reappearing on my report after being deleted. Reinsertion goes against FCRA regulations. The account XX/XX/XXXX which reported on XX/XX/2022 is a reinserted account for XXXX. The representatives of both let me know to upload an FTC document in order to get this taken off. It appears that their online uploading tool is not working as the bureaus still keep reporting this account after sending them such documents.
Complaint sub-issue: Reporting company used your report improperly

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Names : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXXXXXX XXXX XXXXXXXX CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Equifax Name : XXXX XXXX Employers : XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Collecons : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit card company forcing arbitration

On at least 3 instances today alone I was refused service by Citi Cards Representatives including XX/XX/2022 XXXX EST XXXX EST XXXX EST Despite me being on a standard phone ( XXXX XXXX ) that I use for business regularly with no issues I was either disrespected, intimidated or given excuses. 

Including an employee who kept insisting I had interrupted him when I did not and was quietly listening, which is illegal tortious interference since he was using a fake excuse to refuse me service. 1 Employee hung up on me after over 20 minutes on the the line in what I can only assume was tortious interference or dereliction of fiduciary duty after claiming he couldn't hear me but would transfer me. Another agent claimed she couldn't hear me until i explained I would report your company and do what I am doing now which is ask for insurance information. 

My phone works fine and unless you have some evidence it does not your employee 's fake excuses, lies, or valid problems hearing me are not my problem. However the fact your company keeps refusing to serve me in violation of your fiduciary duty and your employee 's seems to be set on illegally tortuously interfering with my business with Citi I am demanding your companies insurance information. I am demanding compensation of {$1000.00} for the illegal actions of your employee and the time and hardship I have suffered due to their actions. I have been unable to get service, wasted time with their XXXX and been victimized by them. 


Let me completely clear here, most people think being part of a big company protects them criminally, however I have no intention nor do I think it would be prudent to prove their criminal behavior. However I think it's much easier to extract liabilities from your company vs some person who probably doesn't live in the USA. Nonetheless, your employee 's broke the law, most people don't know there are both state and federal laws that prevent the intentional interference of my business with your company, which is clearly what these people did as XXXX calls had issues that did not exist as my problem. They were either fake manufactured issues due to the ego of your employee 's or simply negligent crimes as a fault of your companies failure to make sure I received proper service. Your company is financially liable to pay for your companies negligence and criminal intent to interfere with my business. 

I want your insurers information and unless you provide some proof the issue was on my end you are required within 30 days of receiving a written request to provide me your insurers information. 

Let me reiterate, I am under no obligation to accept contact from ANYONE outside your company for any reason. I am under no obligation to take any non written communications. If you fail to provide me with insurance information I will find the codes for insurance in your state and possible report you, I will report you to federal regulatory and law enforcement and I will report you to the GA AG and Office of Consumer Complaints and possibly law enforcement for failing to provide insurer 's information.
Complaint sub-issue: Can't close your account

I opened a Blockfi account on XX/XX/XXXX. I have a checking or " wallet '', a savings or " interest account '' and a credit card with this online banking service. I'm concerned that I have not received a withdrawal I made on XX/XX/XXXX yet. It's been several business days. 
I'm also concerned about my interest account, the company is in financial distress from the XXXX bankruptcy. I have an inclination that customers funds are being misused, a similar case to XXXX. 

I'm concerned about my interest account and the investor wallet ownership in cold storage ( offline ) and how those wallets are in my name in cold storage and not to be used to satisfy secured creditors if bankruptcy comes.
Complaint sub-issue: Problem with statement of dispute

I have previously submitted information to the CFPB and Equifax regarding XXXX accounts that have been showing as " Under Investigation '' for greater than 150 days. It 's good that Equifax responded to my last complaint by opening a new investigation. Problem is, they placed the WRONG XXXX XXXX XXXX account under investigation! Why would I request an investigation on an account I closed in good standing myself? Due to this error in placing accounts under investigation, my FICO score went down XXXX points. They need to remove my investigation from the XXXX account in good standing and compel XXXX to remove the balance information ( {$6500.00} ) as the bankruptcy is discharged on the other account in adverse standing. 
Furthermore, I have submitted information to remove the XXXX addresses that are not associated with me, and nothing has been done. So I will again submit my license, SS card and a bank statement per Equifax to get these XXXX addresses off my file. 
Finally, end all items under investigation. According to the image I 've attached, there are NO ACTIVE INVESTIGATIONS. It 's a misrepresentation to tell me on my report that items are under investigation, then show me on another screen that all investigations are either closed or expired.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX, XXXX, And Equifax Credit Bureau are reporting an unknown public record on my credit file that is hindering me from getting the proper finances to support my XXXX XXXX daughter and I was denied an mortgage loan because of it. 

They have a police report on file, that I have sent a total of 6x with the account on it.

This is unfair!!!! 

Public Record # XXXX