Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Banking errors

On XX/XX/XXXX. The check was cashed for {$740.00} and was written for {$140.00}. XXXX XXXX XXXX made an era by not looking at the written part where you put in the dollar amount but assuming it was {$740.00} by looking at the number that was written in the box The check was sent back first as an overdraft and I contacted U.S. Bank and advised them not to redeposit that check because we went in-person to pay File for Me and paid the client the {$140.00} we owed her because we didn't think the check was going to be resubmitted and it was resubmitted on the XXXX and credited to our account and resubmitted on XX/XX/XXXX as completed as a debit on XX/XX/2021 causing our account to go into negative and enormous overdraft fees. We have been contacting U.S Bank by phone and in person and they keep telling us that the other bankers at U.S Bank made a mistaken filing the claim and we have to open up a new investigation to get you provisional credit and it takes up to 10 days and this is the XXXX time different bankers telling the same old story. We have been waiting for over a month and still the [ problem hasn't been solved causing us some much inconvenience and hardship. Attached is the evidence of the transaction. Thank you
Complaint sub-issue: Reporting company used your report improperly

XXXX accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXXXXXX XXXX Date Opened : XX/XX/2018 Balance : {$2400.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I filled out an application through XXXX XXXX for XXXX XXXX. Their website claimed that I would be contacted within a few days. On the XXXX of XXXX I received email notifications that i had several new notifications of new credit inquiries. XXXX XXXX ran my credit report, and gave my information to countless credit unions and Banks without my authorization. On the XXXX of XXXX I put a fraud alert on my account. Today XX/XX/XXXX, I spoke to a supervisor at XXXX XXXX and explained my frustration that my information was given out without my permission. He was very nonchalant and did not seem to care that I was upset. I let him know I was going to file a complaint. Nobody from XXXX XXXX has contacted me until I contacted them today, on the XXXX. Apparently it is a common practice to receive an application and run someone's credit without speaking to the person first, which is frightening especially when credit is involved. None of the credit unions that have my application have contacted me, nor did they have my permission to run my credit.The following inquiries need to be removed as I did not authorize them. 
XX/XX/XXXX and XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

my cfpb account # is XXXX. 
I just checked my credit score. My Credit Score messed up due to the issue of XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

In the months of XXXX, XXXX, and XXXX I have disputed the same incorrect medical collection 3 times. This attempted collection is unverified and illegal per the HIPPA act of 1996. The collection agency is unable to verify per FDCPA guidelines. Credit union still refuses to remove this inaccurate and illegal reporting from my credit report.
Complaint sub-issue: Keep getting calls about my loan

EOS CCA IS STILL MAKING phonecalls to my place of work after I told them not too - AGAIN and REPEATEDLY violating the FDCPA, you have done nothing and they STILL CONTINUE to BREAK THE LAW!!! STOP THEM FROM BREAKING THE LAW ANY MORE AND FINE THEM ACCORDING to the FDCPA. What good is this law if they dont follow it and you dont enforce it? Justice needs to be done. This is my third demand from you. I will always keep looking out for my rights - I highly suggest you do your jobs this time. EOS CCA NEEDS TO BE PUNISHED ACCORDING TO THE LAW. STOP CALLING MY PLACES OF EMPLOYMENT. I have documented proof they broke the law on XXXX occasions even with their incomplete records.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a car loan with XXXX XXXX since XX/XX/XXXX. I have never missed a payment and account is current. However, I filed Bankruptcy in XX/XX/XXXX and made it clear to my lawyer I wanted to keep my vehicle, XXXX XXXX XXXX. During Bankruptcy process, I filed for a Reaffirmation Agreement. I negotiated with their Lawyer 's  and received a lower interest rate and lower monthly payment. The Bankruptcy was Discharged XX/XX/XXXX. I began monitoring my credit reports. It became necessary to initiate disputes to ensure my XXXX XXXX account was reporting as stated in my Reaffirmation Agreement. My initial dispute included every item within the XXXX XXXX account that required updating. Unfortunately, the request to ensure accurate reporting became a on going issue because the information was not updated as I requested, as in my Reaffirmation Agreement. This went on from roughly XX/XX/XXXX time  frame with the last dispute in XX/XX/XXXX. Since this car loan has been paid, on time, since XX/XX/XXXX until today, I believed this was my right. Unfortunately, when I went on each credit bureau site to review this account for my car, and spoke to specifically to a XXXX  representative, he stated it was deleted due to determining it as it being frivolous. When I look at my account on line it is current. I checked with Equifax and XXXX and my information was also erased from my credit reports at those credit bureaus. I am wondering if new information in the Reaffirmation Agreement was forwarded to every department within XXXX XXXX needing to know it was not in bankruptcy, all my payment have an excellent history, my monthly payment was reduced to {$390.00} but continually reported at {$490.00} a month. The payment history needed to extend after I filed bankruptcy, the loan balance was also needing to be accurately reported. I need my XXXX XXXX account placed back on my credit reports. Do not believe this account was ever accurately verified or properly investigated. Can someone please assist me with ensuring I can have my account placed back on all my credit reports with the correct information reported all at one time. Maybe only so many disputes are taken before deciding an account should be removed? I don't know. However, I was only asking to place the correct information on my credit reports. Whomever has been questionably " verifying '' has created a big problem for me since I have a right to have it investigated properly.
Complaint sub-issue: Didn't receive advertised or promotional terms

on XX/XX/2021, I apply for a HomeDepo loan project credit card, at the time of the call they offer me 2 % interest for 6 months, and after that it was going to change to the % that I qualified. 
4 days later I got the installment loan agreement, which was 16.24 % there was not 2 % promotion interest for 6 months like they said to me. 
I call them and told them what they offer me, and ask for a manager, told the manager to listen to the recording to see what I got offer.

on the next 4 days the manager call me, and this is what she told me. I did listen to the recording and I want to apologize, they did offer you the 6 months 2 %, but there's nothing we can do, the only thing we can do is do a better training to our employees.

I got XXXX now, and I would like to get some help.

this is the manager of the loan project credit card. 
XXXX from Greensky XXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

I XXXX XXXX, natural person have attached my FTC report, IDENTIFICATION, I AM DISPUTING ON MY OWN, NO ONE IS HELPING ME IN light of recent investigation brought upon Equifax, i find that my consumer file is being irresponsibly tampered with. Over the past 2 years I have made several attempts to remind you of your duty pursuant 15 usc 1681. it appears you're intentionally and willfully being neglectful in remedying my affairs. 15 usc 1681 e ( B ) assures that i am due, promised accuracy in my report based on federal law. I am making this complaint with the bureau consumer financial protection ( 15 U.S. Code 1693a ) as well as with the attorney general as another attempt to have these errors corrected on my consumer report. 15 USC 1681I ( A.5 ) SAYS THAT AFTER THE REINVESTIGATIONS ALL OF THE UNVERIFIED INFORMATION MUST PROMPTLY BE REMOVED. YOU CAN SEE IN YOUR SYSTEM THAT THESE ACCOUNTS WERE PREVIOUSLY DISPUTED WITHOUT BEING THOROUGHLY INVESTIGATED THUS I KNOW THAT IT CAN NOT BE VERIFIED OR VALIDATED. also, you are in violation : 15 usc 1681 ( a ) ( 4 ) - Infringed Upon a Consumers right to privacy Why is this a Violation? XXXX has no business going out and looking for negative information thats Infringed Upon a Consumers right to privacy. Second Violation 15 usc 1681b ( a ) ( 2 ) ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did XXXX XXXX have MY written instructions? Did XXXX XXXX have Permissible purpose? NO, they did not. YOU ARE IN VIOLATION OF 15 usc 1681a- ( e ) MAY I REMIND YOU The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. both stated accounts were removed from equifax so please tell me how you verified this information to be accurate
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Back in XXXX or XXXX of 2021 I received notification from Best Buy through a mailed statement that I had a balance due of XXXX. I did not purchase anything with my card nor had I used my card in well over a year maybe two. I proceeded to call the customer service number where I then got the run around about it being a charge to renew my card because it had not been used. I told them over the phone plus returned the statement to them via mail with a note on it telling them that I wanted the card canceled and that I was not going to pay for renewal of a card that I was not using. The following month I received another statement from Best Buy showing the XXXX charge plus fee charges of XXXX dollars plus XXXX dollars in interested charges bringing the balance I supposedly owe them to XXXX dollars. I then proceeded to call them again and tell them that this was ridiculous the card was already canceled and I was not paying these charges. I also sent them notification via mail. I received another statement in XXXX for a balance of XXXX dollars and now in XXXX I received another statement with the balance up to XXXX dollars for a previous balance of XXXX plus XXXX in fees charged and XXXX in interested charged. I am not paying nor do I feel I should have to pay any of these charges being that I am elderly for one and live on a fixed income and two for the simple fact that I did not purchase anything to have these charges nor did I ask for them to renew my card or anything else to acquire these ridiculous charges. When I call the customer service number all I get is a run around and hassle. No one once to do anything to resolve this issue and these charges and I am not paying for something on my limited income budget that I did not purchase or ask for and every month the bill goes up more and more on something I did not ask for or again purchase. And now there are threatening to send me to collections for these charges that again I did not purchase or ask for. My credit card was through Best Buy and financed through Citi Card. These companies both have lost my business and respect. Please help me with getting this situation resolved as this company is harassing me with bills and threats on charges I never should have acquired to begin with.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 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 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 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 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: Transaction was not authorized

Opened an account on XXXX and by XX/XX/21 over {$20000.00} was drained from my account. no one called me or put fraud alert that two companies had emptied my account. Finally got a call from XXXX in XXXX XXXX, who began asking me questions. I have been undergoing ID theft since XXXX and quite honestly, I was on another call before she called, and I don't recall what she asked or how I responded. I called back several days later to XXXX and she said I had answered a security question wrongly and my account was frozen, and my money would not be returned. I received an UNLOCKED DEBIT card two weeks after opening the accounts and the thief had already emptied by account of over {$20000.00}. Over a period of less than one week, i had attempted 13 calls for a total of nearly 10 hours on hold. Outwaited, your hold system and got XXXX and her supervisor XXXX, and once again, the money was refused and I asked for his supervisor, who was unavailable but promised a return call after lunch. NO CALL. I then contacted XXXX XXXX for assistance. She was out but left in her message another contact. I contacted XXXX and she promised help, but no one called. The bank has XXXX XXXX of mine and refuses to return it over a misunderstood or confusing SURPRISE CALL from and underling. In total, I have called commerce 13 times, spoken to 16 people, experience three bad transfers resulting in a hang up. Today 's phone hold time was 1 hours and 10 minutes, only to be disconnected. In total, my phone time has been just short of 10 hours over a week and a half. On my attorneys advice, I have contacted the XXXX police, Postal Inspector, FBI and the FTC. This is culminating in undue hardship and destroying a credit rating which was 820! I have locked all credit bureau on legal advice. Reiterating, two weeks after opening these accounts, a debit card finally arrived and was unlocked. {$20000.00} + was taken from my accounts without a warning from the bank after alerts had been set. Mine accounts are now unlocked due to my inability to enter my accounts. Should the thieves want more, I guess it is available to them but not me. Since then, I have left messages for a bank Officer and many other calls to Security. None have been returned.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have XXXXcomplained times. The problem has not been resolved. my fico has me at a credit score over 719 XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 120 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution.next step is to take transition to court to sue for defamation of character of my name and damages that was caused to me They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 120 days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 87 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now. nobody helping me and I don't wan na live no more i cant get aproved for anything which is casing me even more XXXX
Complaint sub-issue: Account information incorrect

I discovered a negative mark ( rental history collection in the amount of {$3100.00} ) on my credit score as inaccurate because I satisfied the requests by then XXXX XXXX XXXX. I was asked to provide a XXXX notice ( to be notarized by a state certified individual ) and pay a reletting fee equal to XXXX rent due in order to relocate for work and school. I requested XXXX, leasing agent from XXXX XXXX XXXX XXXX, to confirm the original collections agency the alleged debt was sent to. She confirmed collection was sent to XXXX XXXX XXXX XXXX ( phone number XXXX XXXX ) XX/XX/XXXX. I reached out to XXXX XXXX to verify the information provided to me and a representative confirmed the alleged debt and information related to my file was never received. 

I followed up with XXXX XXXX XXXX ( the reported agency reflected on my report ) to verify they received the collection as reflected on my credit report. I spoke with a representative who alleged the debt was received between XXXX and XXXX of XXXX, no specific date provided. I requested XXXX XXXX Services provide all documents pertaining to my file ( invoice, breakdown of costs/fees incurred, proof of receipt of reletting fee paid, copy of lease agreement and copy of XXXX notice ) via email by XX/XX/XXXX and never received the requested documents. Because of their unresponsiveness and inability to provide the documents needed to dispute the alleged debt to the major credit bureau , I am filing a complaint to the CFPB to mediate the removal of  this item from my Equifax credit report in order to accurately reflect my true credit history.
Complaint sub-issue: Attempted to collect wrong amount

The company in question is CBA ( Credit Bureau Associates ) reports a medical account to all three reporting agencies without notifying me at all. my first and only correspondence from this company stated that they submitted this information to all three reporting agencies to reflect unpaid collection account on my credit file. my notification also stated that now its time for me to create a pattern of positive credit management and neglecting this issue will only encourage further actions without further notification. the nerve of them they clearly handle accounts without proper notification. All of the BBB complaints about this company say the same them which is they do n't notify you until after they reported the item to your credit. My balance should only state that I owe {$1300.00} not {$4000.00}.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX account # XXXX, has violated my rights. Also, they are charging me this balance of {$540.00} when I have never received any money from them at all. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Public record information inaccurate

I submitted multiple request to the major bureaus ( XXXX, XXXX, XXXX ) about the incorrect Bankruptcy information listed on my reports. I submitted files directly from the courthouse showcasing the error they stated was correct after asking them to investigate my file. They directed me to LexisNexis since they verified it as being correct multiple times during their investigation. I reached out to LexisNexis after reviewing the report they sent me in XX/XX/2020 and then asking them to verify its accuracy. LexisNexis never replied back to my multiple inquiries about why theyre reporting it accurate to the bureau yet wont show me where theyre getting this information from. I even went to the court house pointed out the multiple errors and incorrect information in writing back in XX/XX/2020. After no reply within 45 days i reached out to them again XX/XX/2020 requesting they investigate and validate the information directly with the courthouse. They havent responded back to me neither times within 45 days. I recently sent a third request XX/XX/2020