Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was paid

My ex-wife and I had a charged off account that didnt get taken care of in our divorce. I found on my credit report that I had a charge-off account with XXXX XXXX XXXX XXXX XXXX. The amount was around XXXX. I called XXXX to make payments and they referred me to their debt collector that was holding the Debt. SARMA Collections Inc. They advised me the total amount with fees to bring current would be XXXX. I made a payment XX/XX/XXXX for XXXX. I made another payment XX/XX/XXXX for XXXX and a final payment of XXXX on XX/XX/XXXX. I received in the mail a pay off letter from Sarma showing debt paid in full. My ex-wife was advised by XXXX that we still owed them, not Sarma an additional XXXX and they requested a payment be made to them on this same account, even though they no longer were holding the debt. XXXX is refusing to refund the amount of XXXX to us, as this would be an over payment, plus we already received a pay off letter from the debt collector. After reviewing Texas Law regarding Debt collection they appear to be in violation being of failing to give information on regards to actuall who holds the debt, over-charging, and presenting false information regarding balances as XXXX in the collections department will not tell me the total amount XXXX that was charged-off. I spoke with him twice today XX/XX/XXXX at XXXX and again at XXXX the same day. I asked him why they would accept a payment from us if they do n't hold the debt? He said he is allowed to take payments from the consumer even if the account was deferred to a debt collection agency. I said they are double charging us. He would not contact SARMA with me on the line to figure this out.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$720.00} On XX/XX/2022 I sent a certified letter to all three credit bureaus ( XXXX, XXXX XXXX Equifax XXXX asking for them to do a thorough investigation of everything on my credit report. On XX/XX/2022 XXXX stated that everything was accurate, and their investigation is complete. I never received any correspondence from XXXX or Equifax in regard to them researching my credit report. After completing some research on my credit report, I have still found some inaccuracies on my credit report even after their investigation was completed. 

In accordance with the Fair Credit Reporting Act XXXX 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.
Complaint sub-issue: Problem during payment process

On XX/XX/XXXX, I made a payment of {$9600.00} to pay off the full balance of my Citi credit card. I have plenty of money in my Bank Account to cover this. I found out today, XX/XX/XXXX, that Citi has my payment on hold, meaning I can not use my credit card. As this is my only credit card, I am currently unable to make any non-cash purchases. 

I was never notified of the hold at all. In fact, I have a confirmation email from XX/XX/XXXX saying the payment went through and I have a confirmation number. 

Citi is saying that the payment is on hold until XX/XX/XXXX. As I have now used up my credit limit because my payment never went through, I can not use my card. As this is my only card, I can not make any non-cash purchases.
Complaint sub-issue: Information is missing that should be on the report

I would like request a full XXXX XXXX, Sage Stream, XXXX credit reports. I have attached my ID
Complaint sub-issue: Personal information incorrect

On XX/XX/2023 submitted dispute with copy of my state issued drivers license to have my address corrected with the following credit reporting agencies XXXX and Equifax for correction to fix my address ; they chose not to not make the correction but not sure what creditor reported the address because my address single family home but the address on my credit report file states apartment number ( will not remove the apartment number ) never been associated with my addresss.
Complaint sub-issue: Information is missing that should be on the report

Equifax is reporting a hard inquiry that is not mine or is Identity theft. I did not consent to this inquiry & I feel I am a victim of identity theft.
Complaint sub-issue: Information belongs to someone else

Hi, There were three credit cards opened under my name that I did not open. The three are XXXX, XXXX synchrony, and Discover. XXXX XXXX is refusing to remove the closed accounts from my report despite them being fraudulent.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Equifax XX/XX/XXXX RE : Social Security Number : XXXX To Whom It May Concern : This letter is in response to your recent claim that XXXX XXXX  XXXX XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address, and telephone number of each person contacted regarding the alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. 
I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance. 
I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Complaint sub-issue: Threatened or suggested your credit would be damaged

I owe this company but the outragious fees became too much to bear when federal and state garnished my wages and put a levy on my home. I not afford the thousands of dollars being requested. I can pay amount originally borrowed agreed upon on a monthly basis but I truly have nothing else.
Complaint sub-issue: Their investigation did not fix an error on your report

This was not sent in error I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report.
Complaint sub-issue: Account status

Sent dispute of account to the credit bureau. They claim they investigated and it was verified even after I had received communication from XXXX that they were ceasing collection and would notify the bureaus to remove the account ( s ). I faxed the CB a request to remove with a copy of the letter from XXXX. The account ( s ) are still showing on my credit report.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX In 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
Complaint sub-issue: Problem with fees

My total U.S. Bank ( Mastercard ) fees from XXXX thru XX/XX/2021 : {$1000.00}. 

I was playing Oregon Lottery from XXXX thru XXXX, 2021. 

I had been out of state when I found that U.S. was charging {$20.00} per action. 

I assumed that my fee would be {$3.00} from the lottery and {$4.00} from the bank. 

At first, I asked for help from the Lottery, They wouldn't help me. 

I pleaded with my credit card people. They did credit me {$60.00}. 

I feel that {$1000.00} in fees for three months is excessive. 

I would appreciate your help.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I keep receiving unauthorized hard inquiries on my credit report from XXXX XXXX XXXX. When I XXXX the company it says that it 's a Car Dealership in XXXX XXXX MD.
First issue I do not live in XXXX MD.
Second Issue I have not been to any car dealership looking or shopping for a car and have definitely not authorized anyone or company to check my credit especially since recently I 've been working extremely hard to improve my credit.
Third Issue I have no idea who they are and from researching my credit report I have found out that this is not their first time they have pulled my credit without my authorized permission.
I believe that something extremely suspicious is going on with this company. I mean why is a car dealership pulling my credit and on multiple occasions actually around the same time last year. The way it 's happening I do n't believe that it 's identify theft I believe that someone is illegally using their credit pulling privileges to obtain my credit report.
Dealerships are not allowed to view a customer 's credit reports until that customer specifically asks for credit terms, I can actually testify that I have never done this.
My credit score dropped XXXX points from this inquiry after all of my hard work of re-establishing my credit I was extremely devastated and now determined to get down to the bottom of this.
On XX/XX/XXXX &XX/XX/XXXX, I received unauthorized hard inquires on my credit report causing my score to drop.
I believe that this is illegal and if this issue is not resolved I will be seeking legal counsel to go about properly getting it resolved.
I continuously tried to contact Equifax about this situation but they continously say that it 's nothing that they can do.
Complaint sub-issue: Information belongs to someone else

I sent this letter as a follow-up and clarification on what items I need to eliminate. to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any of these items not later than 4 business days after XX/XX/2022 Ive already included this in my previous Complaint and I am including it again. 

XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance XXXX {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$87.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$330.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$620.00}, XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX Balance : {$1100.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00}, XXXX ( Original XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX ) XXXX Balance : {$330.00}, XXXX ( Original Creditor XXXX XXXX XXXX  XXXX XXXX  XXXX ) XXXX Balance : {$620.00} XXXX XXXX XXXX Balance : {$110.00}, XXXX XXXX Balance : {$7800.00}, XXXX XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX  XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022,
Complaint sub-issue: Trouble getting, activating, or registering a card

I have a tax return from DC for {$510.00}. I received a reliacard in the mail that was thrown away due to my expectation of a check form of payment and assuming it was an advertisement. I have called 2 numbers for usbank reliacard and have not been able to speak to anyone due to the call hanging up on me after 45+ min of waiting. I have been calling these numbers for the last 1.5 weeks. I need a replacement card sent to me. Please help
Complaint sub-issue: Contacted me instead of my attorney

GreetingsXXXX Company keeps trespassing on my private property. We are in court over the mortgage and they keep sending a " property preservation '' person to come on to the property yell at us and take pictures of my private XXXX ( which has nothing to do with the mortgage ), house and harass us. If they have any questions about the property being occupied they can contact my lawyer. 

XXXX of their property check people was a XXXX! I finally got the XXXX XXXX XXXX 's dept to issue him a trespass warning to stop him from coming on to the property. I have a portrait studio with parents and children that come here for sessions!!!!! 

They are also falsely billing for this so called " property preservation service ''. That should be removed immediately and credit plus interest should be deducted. 

I contacted them to find out more information about this harassment years ago. And no knows anything ... 

Thank you for your time and attention, XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/21, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. I hopes that I can get some assistance in reaching these credit bureaus. They are unlawfully reporting late and missed payments on my credit report during the pandemic. I wasn't able to work during those times when the payments were missed and they aren't giving any consideration and I have submitted my compliant over a month ago and still haven't gotten any results. Please help me get these accounts updated and get my credit back on track. I don't want my kids to keep helping me they have a family to support as well.
Complaint sub-issue: Was not notified of investigation status or results

ONCE AGAIN I HAVE ASK XXXX  TO HAVE THESE COMPANYS TO REMOVE THESE ACCOUNTS FROM MY CREDIT FILE I HAVE FILED A POLICE REPORT AN FTC REPORT AND THESE COMPANYS HAVE STILL YET TO PROOF THAT I AM THE PERSON THAT APPLIED FOR THESE ACCOUNTS THEY NEED TO BE REMOVE ASAP.
Complaint sub-issue: Received unsolicited financial product or insurance offers after opting out

LexisNexis sold my personal information to XXXX XXXX, without my permission or knowledge. I received unsolicited credit offers from XXXX XXXX, in the mailer that was sent they indicated that my information was received from LexisNexis I filed complaints against both companies with the XXXX XXXX XXXX. I received confirmation from XXXX XXXX that my information was put on their do not solicit list. I also received a form letter from LexisNexis indicating that my records were removed from publicly facing records products they did not indicate if my information would be removed from additional unsolicited offers. LexisNexis also has 3 levels of opt-out they did not indicate which level I am enrolled in. I have tried to resolve this through the XXXX and their call center, but have not had luck. In addition they print false and misleading phone numbers indicating that there is a LexisNexis Privacy Hotline XXXX which does not exist and sends consumers directly to their call center with no help whatsoever. I ask that the government invest the business practices and data practices of LexisNexis.
Complaint sub-issue: Their investigation did not fix an error on your report

I've contacted XXXXXXXX XXXX XXXX & they told me I've never missed a payment, yet the 3 Credit Bureaus refuses to remove me from being listed as 30 and 90 days late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do the 3 Credit Bureaus 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

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

Hi CFPB, I am new to credit and I am currently improving my credit. I checked my credit report today ( XX/XX/XXXX ) and saw that I have a few inquires that I never authorized. I had my social security number stolen in the past and thought that the credit bureaus put a freeze on my credit report so no one uses my SSN for credit. 

Here are the inquires that I never authorized XXXX XXXX XXXXXXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 2023
Complaint sub-issue: Overdrafts and overdraft fees

This started on XX/XX/2021. I had {$600.00} in my bank account from Friday after receiving my paycheck to Monday, did not make any other transactions. I had the day off and took my kids to XXXX XXXX XXXX 's and out to lunch, totally out to be {$140.00}. Waking up on Tuesday, all of a sudden my account was negative. Not only negative but already 2 overdraft fees attached to it. There were some preauthorized bills that were supposed to come out of my account, but the XXXX, I still had plenty. However, since that day I have received 17 overdraft fees of XXXX dollars each. I have made the account positive, and then another charge of XXXX. {$610.00} in overdraft fees in a matter of 2 and a half weeks. They waived 3 of those charges equaling to XXXX, but has not stopped continuing to charge my account. 

I am a single mom of XXXX kids, I pay attention to my money and have had this account for 11 years and have NEVER had fees like this. US Bank has not done much to help with this situation, and have just been taking my money.
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/2020, I lost my wallet for several hours while under the influence of alcohol. During that time an imposter went to XXXX in XXXX and attempted to use my corporate XXXX XXXX to make a large purchase which was denied immediately by XXXX. They then used a different credit card ( Fidelity/Elan Services ) to purchase {$5700.00} in items. The imposter also tried to make additional purchases at XXXX XXXX XXXX which was denied by Fidelity/Elan Services, although no notification or alert was sent to me. When the wallet was found I was unaware of such charges since all credit cards were there. When I found out about the charge to XXXX posted on my account I immediately contacted card member services and reported it as fraud. The transaction amount was temporarily refunded until XX/XX/XXXX. I received a letter from Elan Card Member Services stating the transaction had been reversed and I was liable for the purchase and listed the following reason " The card was used by an individual that you had previously authorized to use the card and did not notify us that the person was no longer authorized. '' I've contacted card member services and was informed the case had been closed even though it had never been reviewed by an independent agency. I do not believe XXXX XXXX XXXX XXXX has conducted a reasonable investigation according to the XXXX 'Regulation Z '. After several months of repeated phone calls to case processors and supervisors, the company is unwilling to take the steps necessary to properly investigate this case, including but not limited to, acceptance and examination of the police report, examination of the credit card receipt in which must identify the cardholder or authorized user, review of prior purchasing patterns and locations. Furthermore, when I requested documentation of the reasonable investigation I was denied and told to write a letter to the office of the president for any further communication.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXXXXXX XXXXXXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX are reporting on my personal credit file also the inaccurate name and addresses : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX found in my reports with XXXX, Equifax and XXXX XXXX reporting agency. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file.
Complaint sub-issue: Account information incorrect

I have tried ( and failed ) to remove several late payments from a closed, paid-in-full account that had previously been jointly held by myself and a cosigner. After the student loan account was transferred from XXXX XXXX, AES made it extremely difficult to keep track of automatic loan payments during forbearance and we would often not find out that we hadn't made the payment until we were contacted by debt collectors. 

Since then, the account with AES has been closed and paid in full, and I have not had another late payment on any account in my name. 

Payment dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 2016
Complaint sub-issue: Deposits and withdrawals

PNC Bank provided a promotion offer for opening a new checking account and meeting requirements. As a qualified customer, I met all required activities within the given time. PNC customer service representative confirmed the bonus of {$500.00} will post in 60-90 days after XX/XX/XXXX, or approximately XX/XX/XXXX When the bonus failed to post in my account, I followed up with the bank several times online. PNC Bank opened a ticket for tracking purpose, but evenutally no explanation was provided, bonus was never provided as of XX/XX/XXXX. 

As a consumer, I expect a bank to honor a promotion offer.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 : states I have the right to privacy.

15 USC 1681 Section 4 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.