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

Please REMOVE the reported non-compliant claim from the data furnisher of XXXX & XXXX XXXX XXXX for account # NO ACCOUNT NUMBER, it currently is deficient of compliant reporting, ILLEGALLY MIND YOU! The accuser is reporting illegally, and the item of report MUST be removed due to failure to have legal standing in full accordance of federal reporting regulations. For one, Account # NO ACCOUNT NUMBER lacks the minimal federally FCRA REQUIRED redacted truncation for lawful reporting. MATHEMATICALLY each MISSING redacted or OVER REDATED value increases likelihood of a fraudulent reporting by ten-fold ( since each character can potentially represent 0-9 each ), so missing the four requisite truncated characters calculates to  10x10x10x10x10x10x10x10x10x10x10= 110,000 times GREATER ODDS of potential fraud due to possible identity theft or elsewise. TRUNCATION requirements are to ensure account privacy and consumer protection, any deficiency is OBVIOUS grounds for permanent removal and any injuries resultant of the misreporting is equally suitable grounds for civil action and monetary awards. 
ERADICATE this unlawfully reported claim today, even here and NOW, so to RETURN to mandated reporting compliance. Please present DOCUMENT evidence of the PHYSICALLY VERIFIABLE PROOF of CERTIFIED COMPLIANCE, even to the metro 2 format ( a requisite of regulatory reporting standards ).
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX .... Balance : {$2400.00} XXXXXXXX XXXX XXXXXXXX XXXX .... Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX .... Balance XXXX {$510.00} XXXX XXXX XXXX XXXX XXXX .... Balance XXXX {$570.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of request XXXX XXXX XXXX XXXXXXXX Date of request XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2400.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$510.00} XXXXXXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$100.00} XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$520.00} XXXX XXXX XXXX XXXX Original Creditor Name XXXXXXXX XXXX XXXX XXXX ) # # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$150.00} XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance {$2400.00} XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX Balance {$570.00} XXXX XXXX XXXX Balance {$510.00} XXXX ( Original creditor XXXX XXXX XXXX XXXX ) XXXX Balance {$98.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Complaint sub-issue: Frequent or repeated calls

Discover collection unit keeps on calling me after I have told them repeatedly to take me off the calling list. I have nothing to do with the debt that is owed.
Complaint sub-issue: Trouble with how payments are being handled

I have asked Nelnet to reimburse all payments made towards my student loan between XX/XX/XXXX and current. 
The request for reimbursement was initiated in XXXX of XXXX. 
Nelnet processed the reimbursement and credited the amount of {$2000.00} back on to my loan weeks ago. 
Nelnet continues to tell me over and over after 6 or more repeated requests and calls that the checks are " in the mail ''. 
To date I have not received credit in my bank account or any physical checks. 
I contiue to get conflicting information from Nelnet and the run around. Attached are screenshots from my bank of the 2 payments made I've asked to be reimbursed. Nelnet also deleted my entire payment history in my online account. Why?
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

I have tried to get discover card to remove an account that is listed on my credit. It is not now, nor has it ever been my account. I have put more then the recommended amount of effort into it. I have at this time exhausted all resources, all abilities, and it is to no avail. Please help me get discover to remove this account that does not belong to me.
Complaint sub-issue: Company closed your account

In 2021 I opened a Square account for my business to process credit card payments. On XX/XX/2021 I received an email from Square Inc. notifying me about account deactivation. I was not given any details, or a contact method to reach someone at Square. All my attempts to email or call failed. Not only this impacted my business tremendously, especially that we were at the beginning, and needed at least some notice in advance, but also Square placed a hold on our funds - {$2000.00} that we processed earlier in sales. The hold was for 90 days- which is above any normal term of transaction hold- until XX/XX/XXXX, XXXX. Additionally, on XX/XX/XXXX, XXXX sent another email saying that there will be an additional hold of 30 more days. The way Square communicates with their customer is unacceptable. It is a one way communication, without giving an option for questions or dispute. Also, the hold times is ridiculous and reasonless.
Complaint sub-issue: Information belongs to someone else

these accounts appear on my credit report, and I don't own them, it's hurting me. 

US DEPT ED Account Number : XXXX This is not mine. 

5. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

6. Identity Theft DEPTEDNELNET Account Number : XXXX This is not mine. 

7. Identity Theft DEPTEDNELNET Account Number : XXXX This is not mine. 

8. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

9. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

10. Identity Theft DEPTEDNELNET Account Number : XXXX This is not mine. 

11. Identity Theft DEPTEDNELNET Account Number : XXXX This is not mine. 

12. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

13. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

14. Identity Theft DEPTEDNELNET Account Number : XXXX This is not mine. 

15. Identity Theft DEPTEDNELNET Account Number : XXXX This is not mine. 

16. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

17. Identity Theft DEPTEDNELNET Account XXXX : XXXX This is not mine.
Complaint sub-issue: Overdrafts and overdraft fees

I have used USBank for ten years without much issue. USBank had enrolled me into an overdraft protection program which I never authorized. In XXXX XXXX I was out traveling and forgot to put money in my checking account and my balance hit negative. I was unaware and kept using my debit card for small transactions like coffee. The majority of these transactions are below {$10.00} dollars. 

Instead of declining these charges, USBank charged me a series of Overdraft fees, each of them {$36.00} dollars. 

In the end, the total overdraft fees ended up being {$360.00} for over a couple of days. They waived 3 of them, bringing my loss down to {$250.00}. 

I complained to them that since I never signed up for overdraft protection so they should have just declined the transactions ( so I can use another card ) and not charged me these overdraft fees, to no avail. 

Talking to their customer service, they never offered an option to opt out of their overdraft " protection '' program. They offered some even more predatory protection options which I declined. 

I opened a complaint with CFPB to resolve this issue. US Bank sent back a PDF to show that I indeed never signed up for an overdraft program but did not refund the overdraft fees.
Complaint sub-issue: Problem during payment process

CitiBank keeps sending ACH to bank multiple times, after bill is paid, resulting in multiple overdraft fees.
Complaint sub-issue: Information belongs to someone else

I have 3 unauthorized hard credit inquiries that were submitted through XXXX XXXX XXXX and appear on my Equifax Credit Report. The unauthorized inquiries are dated : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. None of these hard credit inquiries were initiated by me, nor were they authorized. I disputed the hard inquiries with Equifax, and they said denied the dispute stating that is was " a factual record of file access. '' In their response, they said to contact XXXX XXXX XXXX directly which I did. After jumping around to a bunch of different departments, I was directed to the ID Theft department, who then directed me to a website to submit my claim. None of the categories fit my problem ( unauthorized hard credit inquiry ) so I was unable to submit a claim. I am simply going around in circles. I want these inquiries removed from Equifax credit report because I never authorized those credit checks to begin with. Additionally, this has harmed my credit score, which could impact my mortgage approval since I plan on purchasing a new house in California within the next year. I have since placed fraud alerts on my Equifax and XXXX  accounts. I am following up with XXXX  tomorrow because their office closed before I could complete the fraud alert. Again, I would please like these 3 hard credit inquiries removed from my credit report as I didn't authorize them. 

Thank you for your time.
Complaint sub-issue: Account information incorrect

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 

ADDRESSES REPORTED : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Collection Creditor : XXXX XXXX Original creditor name XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information )
Complaint sub-issue: Trouble getting information about the card

My money is on my cash app card and when i try to log into my account its telling me i tried too many times to register and i need try again in 24 hours, when i already have an account. I emailed them twice XXXX XXXX And i havent gotten a response. My Account is still the same as of right now and i need to access my money urgently, this isnt fair at all.
Complaint sub-issue: Company closed your account

Discover closed my good standing credit card account that was opened back in 2000 without my knowledge and for no reason
Complaint sub-issue: Reporting company used your report improperly

THIS IS NOT A DUPLICATE COMPLAINT. On XX/XX/XXXX a finance inquiry was posted to my credit report initiated by Credit Plus This report was published without my consent. I am aware that Pursuant to the Fair Debt Collection Practice Act section 15 USC 1681b ( c ) ( 3 ) the creditor shall not furnish to any person a record of inquiries unless initiated by consumer. Also pursuant to section 15 USC 1681 b ( a ) ( 2 ) a reporting agency ( Credit Plus ) can only furnish a consumer report in accordance with written instructions by ( myself ) the consumer. Neither written instruction nor consents were initiated at ANY time. Therefore, pursuant to the above, I as the consumer have been violated and my privacy has been breached. The company the responded : Hello, We have received notification that you have filed a complaint with the Consumer Financial Protection Bureau ( CFPB ), under the date of XX/XX/XXXX, regarding an inquiry from Credit Plus on XX/XX/XXXX reporting on your credit report. Please be advised that Credit Plus , Inc. is a reseller of credit reports and it was out client XXXX XXXX that pulled your credit report on XX/XX/XXXX. If you do not believe that you authorized this inquiry, please contact us directly, our contact information is below. Thank you, Credit Plus , Inc. XXXX XXXX XXXX XXXX, MD XXXX Phone : XXXX Fax : XXXX Email : XXXX Herein lies admission to being involved as a third party. The company never gave me the solution I demanded but rather shifted responsibility. Per attached exhibit- the company Credit Plus ( IS ) listed as the reporter. So pursuant to 15USC 1692e this is misleading representation and this is a violation of my consumer rights. This false representation includes but is not limited to the use of any business, company, or organization name other than the TRUE NAME of the debt collectors business, company or organization.
Complaint sub-issue: Information belongs to someone else

After reviewing my credit report, there's 2 inquires that has been fraudulently or mistakenly put on my report. The inquires are XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX  ( XX/XX/XXXX )
Complaint sub-issue: Didn't receive notice of right to dispute

I opened up an account with creditone for a purchase of a moped. I stopped receiving notifications of the debt. They turned it over to a collection agency and then covid hit. The day after restrictions were lifted, this company sold the debt. I set up automatic payments with this company. There were taking money out of my account every month. In XXXX, I received a call from Logicoll LLC stating my payment was missed. I double checked my account and it was taken out. They wanted me to make a payment with them over the phone. I assumed this was a scam. I called my bank and they said the money was taken from my account and transferred the payment to Logicoll , LLC. I called the supervisor I set the payments up with. He told me there was something wrong with their system and everything had to be re-entered. He asked that I send him proof of payment, which I did. He told me not to make a payment with anyone that he would fix it and if anything else was needed he would call me back. I even received an email thanking me for the phone call. I never heard back. My co-signer just received notification it was sold to another company and I have not made a payments. I am not sure how they can sell it and try to say I have not been making payments when they were set up automatically.
Complaint sub-issue: Information is not mine

I have account on my Equifax credit report that I am not responsible for. I have contacted the bureaus along with creditor and have had no help with resolving the situation.
Complaint sub-issue: Fee problem

Citibank deducted {$800.00} in fees from my {$1300.00} deposit WITHOUT EVER informing me. 

On XXXX XXXX, XXXX, I opened a savings account in XXXX to hold my tenants security deposit of {$1300.00} in an interest-bearing account, as required by city ordinance. 

At the time of account opening, I was told by the banker {$500.00} is the minimum balance required to avoid any fee. Shortly afterward, however, the minimum was raised to {$1500.00} but I was never notified. Since then, Citi began charging a {$25.00} fee monthly fee to this account. 

The banker who opened my account had mistakenly entered my old address. At that time, I had XXXX other accounts with Citi. My address for them is correct and current. 

As a result, between XX/XX/XXXX and XX/XX/XXXX, I never received any statements. Citibank 's internal records show all mailed statements to me were undeliverable. 

The banker couldnt link this savings account to all my existing accounts, which are opened in XXXX XXXX. As a result, I can not access this account online to see the charges. 

In XX/XX/XXXX, when I returned from after being stranded outside the country due to Covid, I visited the XXXX branch where I opened the savings account. I was shocked to discover the original deposit of {$1300.00} has been reduced to {$520.00} after all the fees! 

Its unacceptable for Citi to wipe out the balance with fees WITHOUT notifying me. This has happened due to the bankers mistake in entering my old address. Im asking for a full refund of {$770.00} -- all the fees charged by Citi that I never knew about. 

I took this complaint to Citi 's executive research unit, where a XXXX XXXX she refused to give her last name or an employee ID number ) called me in late XXXX in response to an emailed complaint to XXXX. 

During this recorded phone call, she failed to state when Citi notified me of the higher minimum balance required -- as I repeatedly asked her to state when I was notified.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Crypto.com is refusing to follow Visa Guidelines on reported Fraudulent Charges against my Visa Debit Card. 
All requested Purchases by me were discontinued in XX/XX/2021. 
In XXXX, XXXX and XXXX There was about 49 Transactions that had occured without my authorization.

I have finally got into contact with Crypto.com a few days ago and was ask to send a personal photo of myself for verification.

I do not insert personal photos over the internet to strangers and provided all sensitive info that could verify myself and was refused help to dispute the charges.

Upon request of a mailing address or contact number I was told they do not have one that only way i can verify its me is via personal photo.

Requesting help to recover stolen funds
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recently checked my Equifax credit report and identified these unauthorized credit inquiries. I contacted each of these financial institutions and they were not able to provide me any information in regards to where the inquiries came from or who submitted them and directed me to contact equifax. I contacted equifax and they told me that I would need to contact the CFPB in regards to these 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

For the 2nd time in 2 days, I got denied a loan because they think my car was repossessed by XXXX. Whatever lingo is in the community as far as reporting, they are using words that make it appear I defaulted on this loan. I did not default on this loan. I was severely hit by a drunk driver who totaled my car. My insurance paid the majority of it and the rest is really interesting to me. XXXX at last minute during the approval process enforced that I include their GAP insurance protection, and it was sold to me, as a no worry, XXXX form of protection so if anything like what happened to me happened, I was covered. So somehow, between XXXX XXXX XXXX  who I have already had to take to court and XXXX, they seem to have left {$1000.00} on my account and they opened it after the load and then closed it and I see that that is why everyone thinks that I had a repo. Because they think it was to court or diminished value. This needs to be reported as an accident or if closed removed. I would like to see the details of this GAP insurance i paid for that was either around or more than the total of what they have left on this account. You can not report these things like this and aim to damage someone's reputation who was a victim of a drunk who chose to drive and hit someone. I have two people now who have denied me and I am enclosing the angry conversation I had with one Finance Dept Individual who was XXXX enough to say in text what she thought, but it will help me prove my point of damage.
Complaint sub-issue: Was not notified of investigation status or results

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

Equifax/Equifax credit bureau did not provide me with the method of reinvestigation.
Complaint sub-issue: Didn't receive enough information to verify debt

I have a debt with Jefferson Capital LLC. They bought my original debt from XXXX XXXX. The original debt amount is XXXX. Today XXXX I called Jefferson Capital to settle my debt. The rep whos name was XXXX talked to me. He read me disclosure, reparated debt to me and asked if I could pay full amount I said I dont have full amount but I could pay XXXX. He checked with his imaginary manager and said ok. He asked how would you like to pay. Before I decided to pay I asked for a settlement letter by email so that I can have in writing our agreement. He said his company dont do that because of the offer was not the original offer and after I pay Id get an email within 24 hrs. We went back in forth. I end up  hanging up after he kept lying to me saying he couldnt provide a debt settlement letter. I need help with this issue and for them to provide me with the debt settlement letter in writing for the XXXX so I can pay and move on.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.