Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit inquiries on your report that you don't recognize

This is XXXX XXXX, who is submitting this CFPB complaint myself, and no third party is involved in the process. I have been dealing with unauthorized use of my personal information and inquiries. Which result in unauthorized items on my credit report.
Complaint sub-issue: Used obscene, profane, or other abusive language

Fay Servicing is a new debt collector where my loan is now in there hands as of XX/XX/21. Previously XXXX was mortgagee. The situation has gotten from bad to worst because these " So Called Investors '' want to take my home so they hire people like this. I am doing all I can to try and save my home. 

I am so afraid because the reviews are so bad on this place, I could not even file a Better Business Complaint because they were overwhelmed. I am going to complain to the Attorney General as well because i am concerned about their unreasonable fee schedule. 

I have been trying to talk to someone on my loan on a weekly basis since XX/XX/21. I was assigned an account manager by the name of XXXX XXXX. She NEVER returned my called it is imperative because I am trying to get my loan current now ( meaning XXXX ). I need a human to speak to in a position of authority. The representatives I have talking to are rude and nasty. XXXX gentleman in particular, went off on me on the phone when I asked about the difference in payment for XXXX, where it looks like they are charging me on the there statement and the XXXX  payment for XXXX is lower. When I asked him he said they would be doing their own analysis and my payment would probably change. This is a scam because I was told when everything transferred over it would mirror the same. This issue needs to be looked in to. I just talked to someone by the name of XXXX XXXX who claimed he would assist me. He also stated there would be no fee if I paid over the phone. I emailed him and yet to receive a response. 

I just had a XXXX XXXX and can not take all of this pressure. I need someone who take there job seriously. I want to make a payment on my loan at the end of the month and there is no option online for me to do it. Also, I had no late charges with XXXX because I had an arrangement to get it caught up. I ask for help in this matter as time is of the essence.
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. 

XXXX XXXX, XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX & XXXX XXXX XXXX 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: Was not notified of investigation status or results

I have sent in a letter to get medical accounts removed that are in collections and have no updates. Also, they are not able to verify accounts that have medical information on them, so when they do an investigation where do they get this information from? Also I would like to have proof of this being verified and connected to me.
Complaint sub-issue: Debt is not yours

Let 's month, I mailed XXXX XXXX a certified letter requesting that they verify the debt of {$200.00} which is on my credit reports. They have not responded and it has been over 30 days.
Complaint sub-issue: Banking errors

In XXXX of this year I deposited {$15000.00} with Citi Bank from a promotional offer they sent me that was maintain a balance of {$15000.00} or more and receive a bonus of {$400.00} after 90 days. I kept my balance at XXXX the entire time. What they did was say I wasnt eligible to receive the bonus because my checking account had been closed. They closed the checking account themselves, not me. They closed it they said because I hadnt maintained a balance in there even though they said either checking or savings account in the promotional offer. I called and they just told me to go XXXX myself basically. Avoid Citi ( XXXX ) bank whenever possible. Misleading and purposely deceptive business practices.
Complaint sub-issue: Billing dispute for services

XXXX  was billing me {$14.00} XXXX  XXXX XXXX services which I never signed up for. I should of never been billed as I only signed up for a free account. XXXX  then locked me out of my account. XXXX  was blindly charging a monthly membership fee without the my knowledge, authorization or consent. I signed up for the free account yet multiple membership fees, were billed to credit card. The multiple unauthorized charges caused my credit card company to flag the charges as fraudulent charges and the card was closed because I hadnt requested a credit report from XXXX  or any similar service.
Complaint sub-issue: Overcharged for a purchase or transfer you did make with the card

On XX/XX/XXXX XXXX refunded my cash app {$230.00} for a order I didnt receive. On my refunded receipt it clearly stated dont worry about returning the item. On XX/XX/XXXX cash app allowed XXXX to debit my account and put it in a negative status. I attached the receipt from XXXX to cash app showing what XXXX stated dont worrying about returning the item. My account with cash app is still In the negative.
Complaint sub-issue: Reinserted previously deleted info

This was an economic hardship issue that started in XXXX and finalized in XXXX with a short sale. 
I called XXXX & Equifax and let them know that it is still showing up on my report even though I was told it would only remain for two years by the lender XXXX XXXX. It has now been five years and it is continuing to hurt my credit and ability to gain employment. This must stop, I should not be subjected to this punishment any longer. I, like many was a product of the destructive lending practices and economic down turn created in large by the lending institutions / XXXX XXXX etc, with no punishment for them. So why continue to hurt me?
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I noticed credit inquiries that I did not authorize made by the following companies below. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of privacy rights. These are fraudulent inquiries that I did not authorize. They information have not been validated with the companies nor have i been provided with copies of any documentation associated with these accounts listed below bearing my signature, I formally request once again that these fraudulent inquiries be immediately deleted from the credit file maintained under my Social Security number. I am making this final attempt to allow these Credit Agencies to correct the erroneous reporting, and I have maintaining a careful and complete record of my communications with the Credit Agencies. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

a personal loan company emailed me stating I could get a loan the company 's were fraud the company 's deposited mobile check deposits citibank wo n't help I have been hung up on at least four times I 'm XXXX and citibank did not due due digenge and check my signature card it was two companies XXXX XXXX and XXXX XXXX citibank wants to take my brothers. XXXX check how is he supposed eat or pay rent I have been with citibank since the 90s I expect better from this company and I expect a call a call back since the repesentinel wo n't help I 've contacted ftc aND did a preport I expect help and a call back at XXXX XXXX XXXX or XXXX asap
Complaint sub-issue: Problem with personal statement of dispute

I mailed certified letters on XX/XX/2020 & XX/XX/2020 to the following companies and creditors regarding a disputed item on my credit reports : 1XXXX XXXX XXXX XXXX XXXX mailed XX/XX/2020 2. XXXX XXXX - mailed XX/XX/2020 3. Equifax - mailed XX/XX/2020 4. XXXX - mailed XX/XX/2020 5. XXXX - mailed XX/XX/2020 The disputed item is reported as a repossession on all ( 3 ) credit bureaus. I sent a letter to the original creditor and car dealership where the vehicle was reportedly purchased from. By law ( FCRA ) they have 15 days to respond. They have not responded date. I mailed certified letters to all ( 3 ) credit bureaus advising them that I am disputing the repossession that is being reported. I explicitly the method of verification pursuant to the FCRA, including the name of the person with whom you spoke, who has first-hand knowledge of the account in question. 

I called Equifax on XX/XX/XXXX to follow up on the dispute. They advised me that the account was verified and that they would send me the method of verification in the mail. They did not send the method of verification pursuant to the FCRA ; they simply sent a normal dispute notice stating that the account was verified. 

I have attached the following letters to the case : 1. Dispute letter to XXXX XXXX XXXX & XXXX XXXX 2. Dispute letter to Equifax 3. Response received from Equifax that does not include the method of verification required by the FCRA. 
4. Dispute letter to XXXX 5. Dispute letter to XXXX 6. Certified Letter Confirmation Numbers
Complaint sub-issue: Account information incorrect

In 2019 I open a car loan with flagship. The care was surrendered to them. This company sold the car for $ XXXX. The loan amount was for $ XXXX. They incorrectly report this account on transunion it says I owe $ XXXX and the loan is closed. On the other two it says open and the balance is $ XXXX. They refuse to update anything regarding this account. I then received a letter in the mail from a collection company stating the balance was $ XXXX. This is a clear violation of my rights
Complaint sub-issue: Information belongs to someone else

Hello, I think there is a big mistake in my report as I found accounts that I do not recognize you know?! I have no idea how these items ended upon my credit report. I do not have any contracts or agreements with these companies actually so delete these accounts from my report. I am requesting you to remove them as its pure identity theft.
Complaint sub-issue: Investigation took more than 30 days

Mailed in a letter disputing the incorrect information on my credit report in regards to Ally charge off account in the amount of {$3900.00}. I have not received a response within the 30 days from Equifax in regards to this matter despite me mailing off my letter on XX/XX/21
Complaint sub-issue: Was not notified of investigation status or results

I FILED A DISPUTE LAST XX/XX/2021 WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 56 DAYS. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Complaint sub-issue: Card opened as result of identity theft or fraud

I DONT OWN A BUSINESS AND DID NOT APPLY FOR A CARD SICK DURING XXXX FOR A YEAR AND A HALF {$5300.00} DISCOVERBANK XXXX Account Closed Date Closed : XX/XX/XXXX Account Information Account Status Closed Account Type Credit Card Date Opened XX/XX/XXXX Credit Limit {$5000.00} Keeping your credit usage below 30 % will keep you in good standing with lenders and may lower the impact to your credit score. 

Payment Information Payment Status Late 120 Days Past Due Amount {$600.00} Highest Balance {$5300.00} Monthly Payment {$160.00} Times XX/XX/XXXX days late ( Last 7 years ) XXXX Additional Information Responsibility Individual Terms XXXX Remarks Dispute resolved ; customer disagrees Creditor Name DISCOVERBANK Creditor Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX ) XXXX
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 XXXX XXXXXXXX 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: Debt is not yours

AVANTE : I am requesting that you allow me to validate the alleged debt. I am UNAWARE of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofold validation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my listed address and accept this complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
Complaint sub-issue: Account information incorrect

I had gotten a loan modification with PNC Bank but the payments show as late even though I made all the payments according to the guidelines on the loan modification. I would not have gotten the final modification if I were late on the payments during the trial modification period.
Complaint sub-issue: Information belongs to someone else

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. Please remove these items from my report.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a request to update the credit limit on a specific account to Equifax. According to the lender, XXXX XXXX XXXX  ( aka XXXX XXXX ), Equifax reported the account as FRAUDULENT. I simply wanted the credit limit to be reflected accurately and Equifax reported the account to the lender as fraudulent. Because of this inaccurate fraud report, the lender closed my account. This was an account on which I had never been late and had recently paid off.
Complaint sub-issue: Didn't receive advertised or promotional terms

I have received MANY credit card offers over the years from  US BAN K and never accepted them. In  XXXX  of   XXXX  , I got an offer for our business with a cash back bonus o f $ 500.if you s pend {$4500.00}. within the first 150 days. I applied and got accepted. By the time I got my  XXXX  statement, I had already spent {$4900.00}. At the beginning of  XXXX , I called because I had not seen my bonus yet. The person I spoke to  at US  BANK looked over my account and did n't understand why I did n't get it either and she said she will send my complaint t o one of their  departments and have someone get back to me.   Today (  XXXX   XXXX ,   XXXX   ) I received a letter in the mail stating that I do n't qualify for the cash back bonus because the charges needed to be done by the Authorized Officer only and not by any Authorized Employees.. I got out ALL of my paperwork and the original offer they sent and I do not see anywhere in this paperwork where it says that I had to make all the purchases. I have had and used numerous offers over the years with different banks and this is the FIRST time that I have ever had something like this happen. To me, this is FRAUDULENT advertising and it does n't look like there is anything I can do about it.
Complaint sub-issue: Information belongs to someone else

I have placed a complaint once before with no resolution. XXXX is reporting inaccurate information about me on their consumer reports. These inaccuracies are being used to generate the digital security questions that are used to identify a person when applying for federal/state benefits, replace a State ID, any banking done online, or anything that requires passing security questions online or by phone. I have contacted XXXX XXXX about this and they took my disputed items off of their report but never reset the digital security questions to reflect that. Also, the information is back on the report as of XXXX. Again, it is making it difficult to do anything online or by phone.
Complaint sub-issue: Inadequate help over the phone

Last year, Equifax had my information mixed with someone else and as a result I had them remove and fix it. I recently applied for an apartment and I was rejected due to a bad credit score. I checked my recent credit report and everything seems to be in order but my credit score is still bad. I have no debt and paid off all my loans so I do not know why the score is so low. I can not get a hold of a person who can help when I called Equifax and kept getting transferred back and forth and was on hold for over XXXX hours.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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 DATE XX/XX/2018
Complaint sub-issue: Their investigation did not fix an error on your report

For several months, i have asked the bureau to provide me with proof that the unverified account belongs to me. i have asked several times, over several months for them to produce me with documentation that bears my signature, that shows a binding agreement by myself and the reporting on my credit file. The bureau has failed to do so and only respond back with a general " verified '' response. They havent indicated how it was verified, who they spoke with and what information was shared with them that show it is verified. i believe that this is in violation of my rights. I believe this is in violation of FACTA & FCRA.
Complaint sub-issue: Their investigation did not fix an error on your report

The Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681g is a federal law that gives consumers the right to access documents related to their credit history. This law ensures that companies who maintain, transfer and provide information about consumer 's creditworthiness are required to disclose certain documents upon request from the consumer. The FCRA outlines the type of documents that must be disclosed including those regarding account status, payment history and other important information that may affect an individual 's financial standing. 

Under section 1681g of the FCRA, any individual can submit a written request for disclosure documents pertaining to their personal information which should include any records maintained by the agency such as a credit record or investigative report.
Complaint sub-issue: Their investigation did not fix an error on your report

as stated before, I am a victim of identity theft
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX WY XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance XXXX : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Owed : {$84.00} XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Problem using a debit or ATM card

I made 4 purchases with my debit card from Bank of texas, on XXXX. 
The merchant never sent the items to my address and never provided any tracking number or more information about the delivery. 
So I opened a charge back request with my bank on XX/XX/XXXX under the claim number, XXXX. I was reqeusted to send the order receipt showing that the goods must be sent by XXXX, and also a letter explaining the situation. 
After a couple of days later I got a letter saying that they cant proceed with the charge back request because was a face to face transaction, but that doesnt matter for chargeback requests. 
I called again to open the chargeback and they denied for second time, even they didnt reach XXXX for the case.
Complaint sub-issue: Problem with rewards from credit card

Good afternoon, In XX/XX/2022, I signed up for a US Bank " cash back deal '' that was sent to me through an email. The cash back deal stated that if I made a purchase of {$100.00} or more from XXXX XXXX XXXX, that I would receive {$35.00} cash back. 
I made the required purchase on XX/XX/2022 for {$100.00}. I never received the cash back, even after contacting US Bank twice. I believe this is an Unfair and Deceptive practice by US Bank to not follow through on their offers.