Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Deposits and withdrawals

I would like to know why it takes a long period of time to receive and have access to a refund when you make a debit purchase from your checking account and get a refund. It seems that the bank keeps your transaction pending for a few days before you have access to the money thats been refunded. I made a purchase and the merchant mistakingly charged me twice. Its gon na take a few days before I can access the money, even though its been turned in. This doesnt seem right because when you make the purchase, the money is instantly removed from your account.
Complaint sub-issue: Indicated you were committing crime by not paying debt

On XX/XX/2019 the collection agency HUNTER WARFIELD ( address & phone number below ) filed a {$940.00} collection entry against my credit report on behalf of the original creditor XXXX XXXX XXXX XXXX regarding a lease for a property at XXXX XXXX XXXX XXXX, FL XXXX that they claim I am responsible for. note that the lease they provided is INVALID as the LANDLORDS/Owner ( s ) of XXXX XXXX XXXX XXXX, FL XXXX were - and still are - XXXX, XXXX and XXXX, XXXX [ Tenants in Common ] evidenced by the XXXX County Tax Record file attached. The correct VALID lease provided by XXXX XXXX XXXX ( attached ) reflects this ownership as well. The INVALID lease provided to me by Hunter Warfield ( attached ) indicates that the Landlord/owners of XXXX XXXX XXXX XXXX, FL XXXX were XXXX XXXX and XXXX XXXX which is incorrect ( ie not a valid lease ). I have provided redacted versions of both leases along with a screen shot from the XXXX County Florida Property Appraiser indicating correct ownership of the property located at XXXX XXXX XXXX XXXX, FL XXXX. I have never signed a valid lease for XXXX XXXX XXXX XXXX, FL XXXX nor have I ever resided at the property and therefore dispute this charge in its entirety. Unless Hunter Warfield is able to provide a valid lease I request that the debt immediately be removed from all credit bureaus to which it was submitted. If Hunter Warfield feels as though this lease is legitimate I request that they provide evidence of the LANDLORDS mentioned, XXXX XXXX and XXXX XXXX. 

Thank you, " XXXX '' XXXX XXXX ( XXXX ) XXXX XXXX   XXXX Contact information for Hunter Warfield XXXX XXXX XXXX XXXX, FLXXXX ( XXXX ) XXXX Collection account # XXXX
Complaint sub-issue: Banking errors

I was offered {$150.00} bonus money by Ally XXXX on the condition that I opened an investment account with them by XXXX/XXXX/22 and deposit {$500.00} by XXXX/XXXX/22. The bonus money was supposed to be deposited to the new account by XX/XX//22. 

I followed their instruc t ions but they did not send the bonus money of {$150.00}. I called them on XX/XX/22 to inquire, the representative told me that I was entitled to the money bonus, but not sure why I hadn't received it. He gave me a case number. 

I've attached three emails from Ally XXXX. One email shows the original offer they gave me, another email shows that I had opened my account. Another email shows a case number with them regarding my complaint.
Complaint sub-issue: Their investigation did not fix an error on your report

I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Information belongs to someone else

There is an inquiry on my Equifax report that XXXX XXXX placed, when they claimed they could not access my report. So I contacted XXXX and they sent me a letter stating that they would remove the inquiry. 

I have sent this to Equifax several times by electronic mail and us mail. I have called them 10 times on this matter and have been given 10 reference numbers, enclosed : REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX Every time I check my report the inquiry is still there. The reporting company claims they have to dispute it. I asked why it takes longer than 30 days when a dispute should not take longer than 30 days to resolve or the item in question be deleted, as per the FCRA? They will not answer that. 

I have asked XXXX several times why is the inquiry still there and they can not answer that either.
Complaint sub-issue: Information belongs to someone else

XXXX is no longer my lender for these loans they fraudulently reported my loan was delinquent which it is not. The bank committed fraud by reversing my payments after being told I was refinancing the car loan in an effort to commit fcra fraud for the loan It is under investigation by the ncua The credit bereaus were told of this and that the reporting is inaccurate and they did not correct the credit report
Complaint sub-issue: Didn't receive enough information to verify debt

XXXX XXXX calling random people I may be affiliated with.
Complaint sub-issue: Information belongs to someone else

There is a fraudulent charge of {$3100.00} from   XXXX   XXXX   on my credit reports. The account was opened on   XXXX     and closed   XXXX     I have never been a customer of  XXXX   XXXX  nor have I ever lived in  XXXX  Ohio, the address of the account holder.     I have filed a fraud check with  XXXX , case #  XXXX  I have filed a report with the  XXXX  Ohio police, #  XXXX  I have reported this information to all  XXXX  credit agencies.   I am a federal employee who was subject to the  XXXX  information theft.     A speedy resolution is very important as I am trying to secure safe affordable housing for myself and my children as soon as possible.     Thank you,  XXXX   XXXX
Complaint sub-issue: Account status incorrect

In accordance with FCRA and Section 428F ( a ) ( 1 ) ( A ) of HEA of 1965 amended by HEOA of XXXX that requires the holder of the loan : must request any consumer reporting agency to which the guaranty agency or holder had reported the default of the loan to remove the record of default from the borrowers credit history. THIS CREDIT REPORTING AGENCY has violated my consumer rights pursuant to 15 U.S. Code 1692g - Validation of debts ; THIS LOAN WAS A RESULT OF FRAUD AND SCHOOL MISCONDUCT.
Complaint sub-issue: Account status incorrect

Equifax has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX XXXXXX not mine ATTORNEY GEN XXXX inaccurate/never late INQUIRIES XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX  XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX  XX/XX/XXXX unauthorized XXXX  XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/XXXX, I went to a Best Buy location to purchase a new XXXX. I made it clear to the employee that was assisting me that I did not want any sort of Best Buy credit issued and that I wanted to pay for the phone with an existing credit card. 
I did not authorize or ask to apply for Best Buy credit either. However, I received a phone call the next day from the Best Buy credit department to inform me that a card had been issued to me. I explained to the person from credit card department that I did not apply for nor requested Best Buy credit and that I simply wanted to pay the XXXX in full which I did. 
The Best Buy employee then closed the account and my credit report now states that my account is in good standing but closed which is impacting my credit score negatively and that it would stay on my credit report for 10 years! 
I contacted XXXX and they told me that was not a fair scenario for me and to contact Best Buy to formally request they remove the account from my credit report which I did do. I should in no way, shape or form be negatively impacted for an error made by an hourly employee and when the item in question was paid for in full with a credit card that I already had in my possession.
Complaint sub-issue: Reporting company used your report improperly

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

Need to delete Inq : XXXX XXXX
Complaint sub-issue: Public record information inaccurate

Beginning XX/XX/2018 I begin my dispute process with XXXX, Equifax, XXXX   and XXXX concerning inaccurate and unverified bankruptcy reporting on my credit report maintained under my social security number. FCRA Section 611 ( a ) ( 2 ) requires the Credit Bureaus to contact the original furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged and dismissed bankruptcy. 

Therefore I have filed my FTC Identity Theft Report, and 605 B statement ( attached ) and mailed certified affidavits as notice of the guidelines of the Fair Credit Reporting Act has been violated as it relates to my credit file, according to the 15 U.S.C. 1681 2 ( b ) obligations to investigate. 

I requested validation of all data for this Bankruptcy reporting account, every notation, dates and balances, whether reported or not and errors pertaining to the following Personal Information. Per FCRA 611 ( 15 U.S.C. 1681I ) is required to provide me with a description of the procedure used to determine the accuracy and completeness of this disputed information. After my disputes were received by XXXX, XXXX, Equifax, XXXX, and XXXX XXXX, they are required under 1681i of the FCRA to forward me a dispute verification form to the original furnisher, requiring them to verify the credit information accuracy reporting.
Complaint sub-issue: Account status incorrect

CFPB + Equifax, This complaint is in relation to a credit account this creditor ( XXXX XXXX ) has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.
Complaint sub-issue: Didn't receive enough information to verify debt

XX/XX/XXXX USPS Informed Delivery confirmation showing a US Bank Billing Statement/correspondence was sent by USPS delivery to XXXX XXXX. The statement/correspondence sent to XXXX XXXX directly references a debt for a mortgage/second mortgage, under account # XXXX ( see attachment # 1 USPS Informed Delivery confirmation of mail delivery on XX/XX/XXXX ). 

XX/XX/XXXX Qualified Written Request delivered on XXXX by USPS Priority Mail to US Bank National from XXXX XXXX specifically requesting validation of the mortgage debt referenced by the US Bank correspondence/statements being sent by USPS delivery to XXXX XXXX ( see attachment # 2 USPS confirmation of Priority Mail delivery ).

US Bank the servicer must acknowledge a request for information within five business days and respond within 30 business days. 
CFPB Defines a QWR : What is a Qualified Written Request ( QWR )? 
A Qualified Written Request, or QWR, is written correspondence that you or someone acting on your behalf can send to your mortgage servicer. Instead of a QWR, you can also send your servicer a Notice of Error or a Request for Information. 

BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1024 [ Docket No. CFPBXXXX XXXX XXXX XXXX Mortgage Servicing Rules under the Real Estate Settlement Procedures Act ( Regulation X ) AGENCY : Bureau of Consumer Financial Protection . ACTION : Final rule ; official interpretations. 
https : //files.consumerfinance.govXXXX Ths is a qualified written request for information under the Real Estate Settlement Procedures Act ( RESPA ). A section of RESPA, 12 U.S.C. 2605, provides a procedure and a remedy to obtain information from a loan servicer that fails to provide it under a more informal request Interactive Bureau Regulations 12 CFR Part 1024 ( Regulation X ) 1024.36 Requests for information. 

The Truth in Lending Act ( TILA ) protects you against inaccurate and unfair credit billing and credit card practices by requiring proper disclosure of key information to protect the consumer, as well the lender, in credit transactions. 

Fair Debt Collection Practices Act, As amended by Public Law 111-203, title X, 124 Stat. 2092 ( XXXX ). As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Debt Collection Practices Act. 
807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt.
Complaint sub-issue: Information belongs to someone else

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inaccurate information and unauthorized inquiries in my personal file : XXXX Inquiry Date XX/XX/2021 XXXX Inquiry Date XX/XX/2021 XXXX, XXXX, XXXX XXXX XXXX XXXX
Complaint sub-issue: Trouble with how payments are being handled

XXXX keeps taking money from my bank without my permission. I asked them multiple times to remove my bank account information from their website and even removed recurring payments. When I logged in today XX/XX/2018 I saw that recurring payments were turned off and my bank information was not there so how have they been able to take money from my bank without my permission for the past 4 months?!! There were no legal order for them to do so and i expressed clearly that I am having financial difficult now because of this. I want to know my rights and what legal actions I can take against XXXX because this is absolutely ridiculous. I would like legal advice immediately.
Complaint sub-issue: Reporting company used your report improperly

I filed a complaint against Equifax less than 36 hours ago with you the C.F.P.B. and my credit score dropped XXXX points. 
Nothing on my report has changed, yet my score dropped XXXX points. 

I say nothing has changed or happened except the complaint I made against Equifax which is true but in all fairness this happens all the time. 

By this happens all the time, I mean my score drops all the time by XXXX to XXXX points without any explanation as to why. 

Not a big deal unless you 've spent the last 8 years trying to get your score fixed like I have and these little score hits happen every month. 

XXXX points each month equal up to be XXXX points each year! 
It would make more sense if I did n't pay them each month for the ability for me to check my score daily if I want to, but I do pay them for this lousy service and have. 
I 've had this monthly subscription with Equifax since XXXX. 
paid them {$20.00} each month, {$240.00} each year and over {$1000.00} since XXXX ( give or take a few months )
Complaint sub-issue: Account information incorrect

I had a XXXX XXXX XXXX XXXX  loan number XXXX for a XXXX XXXX XXXX XXXX. The car was involved in a total loss collision. Mi auto insurance company XXXX paid me and XXXX  accordingly. The car was paid off with XXXX for the amount of {$7900.00}. I've got the confirmation letter from XXXX attached to this claim and dated XX/XX/XXXX But as today that paid off amount is still showing as a balance in the three credit bureaus and as an open account affecting my debt ratio and my credit score. 
I have already talked to two representatives from XXXX XXXX XXXX XXXX about this issue and they both told me their Credit Reports Department will take care of it. But nothing has changed and due to my bad experience with XXXX XXXX and their bad reputation I am requesting the CFPB for help with this issue
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 XXXX XXXX XXXX. XXXX  Account XXXX XXXX # XXXX Acct : XXXX and XXXX XXXX XXXX XXXX Acct : 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 instruction 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.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Used XXXX XXXX site that showed me a page with loans that I could be eligible for and said it was n't an application but to put how much I needed and I hit enter and sent told me I 'll be getting info to see what they say. Now I have a copy of my credit report and XXXX XXXX ran my credit to all those loan places that was on that page and I now have 12 inquiries!
Complaint sub-issue: Attempted to collect wrong amount

This debt was undertaken during an incident that occurred due to being XXXX XXXX XXXX XXXX. When the settlement came in, it was for less than expected and it didn't cover all my bills and time off work. 

The hospital refused to recognize my insurance at the time, stating I would have to be personally responsible for the entire amount. 
I tried repeatedly to work with them, attempting to file for Indigent negotiations, and tried to negotiate a settlement that would have made with my settlement. 

They avoided final discussions, entered it into collections and added to my credit report during negotiations ; even after was told repeatedly that they would not do that.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I submitted a dispute to Equifax stating Inquiries were Unauthorize and to validate 2 accounts I have no knowledge of! As of date I still have not received a response back to my dispute. I called all companies on XX/XX/2021 to investigate these accounts and requested verification and also as to date I have not received any further information about this very serious matter. As per FCRA 15 USC 1681i ( a ) company has 30 days to response to disputed items once letter is received also pursuant to 15 USC 1692g I never received notification of this alleged debt. Please look into this very serious matter.
Complaint sub-issue: Information belongs to someone else

This is my 7th CFPB Complaint to be submitted to the Credit Bureaus informing them that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following accounts need to be removed as they are fraudulent. 

XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} If you claim these accounts are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to XXXX or any means of automated verification.
Complaint sub-issue: Old information reappears or never goes away

ENHANCED RECOVERY COMPANY Debtor is XXXX XXXX XXXX XXXX they claim it was opened on XX/XX/XXXX but it was sent to collections in XX/XX/XXXX for amount of {$930.00} XXXX  ( XXXX XXXX XXXX ) Debtor is Also XXXX XXXX XXXX XXXX in amount of {$530.00} opened onXX/XX/XXXX when this is tied to same acct as listed above it was sent to collections in XX/XX/XXXX same company has opened false accts and when its close to the 7yr removal date they send it to another company and they reopen it again and again
Complaint sub-issue: Information belongs to someone else

Inquiries below ain't mine they are fraudulent. Please remove as soon as possible. They should not be on report. XXXX XXXX, XXXX XXXX XXXX.
Complaint sub-issue: Debt is not yours

I have been exchanging letters with XXXX and enhances recovery company for about a year now. The last document they sent me was document signed by XXXX XXXX and a XXXX worker for a new service. My concern is how can you charge me when I did not sign any documentation or receive a XXXX  phone. This is fraudulent and the charge was from XXXX but showed up on my credit report in XX/XX/XXXX. Please resolve this and remove ASAP as I do not owe them {$630.00} for an account I did not use.
Complaint sub-issue: Account information incorrect

XXXX XXXX Equifax XXXX to report my car loan as a closed loan. 

The loan is not closed and the vehicle was not repossessed. 

I have called both XXXX XXXX and Equifax. 

I have disputed it several times I call one and they tell me to call the other. No one will fix it. 

Both other reporting agencies report correctly The account number is XXXX I have paid and continue to pay the loan on time every month.