Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

While I was in the process of trying to rent an apartment, my credit report had to get pulled. i was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. these accounts do not belong to me. Please remove these items from my report. DEPTEDXXXX XXXX {$1700.00} DEPT OF ED/XXXX/XXXX  XXXX {$1700.00} XXXX XXXX {$3000.00} XXXX XXXX {$5100.00} XXXX XXXX XXXX {$24000.00} XXXX  XXXX  XXXX {$5000.00} XXXX XXXX {$130000.00} XXXX/XXXX  XXXX {$270.00} XXXX  XXXX {$24000.00} XXXX/XXXX  XXXX {$580.00} XXXX/XXXX  XXXX {$690.00} XXXX XXXX XXXX  XXXX {$78000.00} XXXX/XXXX  XXXX {$760.00} XXXX/XXXX  XXXX {$1400.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$2800.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}
Complaint sub-issue: Deposits and withdrawals

On XX/XX/XXXX I noticed 2 withdrawals from my checking that I did not initiate. After speaking to bank I was told they would order new card and send paperwork for refund. A week later I received new card and tried to activate it, the card would not work. I was told after several hours on hold that they now needed my license. So card and tax docs. I faxed  as requested. It was now XXXX and still no access to my funds kept being told faxes were to light to read. This time I tried from my phone it worked on XX/XX/XXXX card was activated then on XX/XX/XXXX after purchasing XXXX dollars worth of groceries my card was declined police were called I am a XXXX man, I was put in handcuffs until my fiance paid the bill immediately called bank was told they now needed proof of residency due to my address being different as to my physical address, I did change w dmv online due to pandemic. I faxed proof of address change after several hours on hold my card was reactivated and told my  account was notated as such. That brings us to XX/XX/XXXX while leaving a restaurant after trying to pay my card was declined, police were called again was treated like a criminal. My fiance called bank was told that they did not believe me as to documents and they were taking 10 more bus6days to recheck faxed documents. I believe they are racially profiling me. And the 2 withdrawals were not fraud but they were bank error. This has caused severe consequences including police pointing guns at me for not being able to pay. I need help with us bank.
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 need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX SELF-REPORTED XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Collection XXXX XXXXXXXX - Collection XXXX XXXX  XXXX - Collection XXXX XXXX XXXX XXXX - Collection XXXX XXXXXXXX - Collection XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXL XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX AL XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Complaint sub-issue: Debt is not mine

For the past year, or more, scince changing phone and changing to new phone Number, I 've been receiving intimidating, harassing, threatening leagal action against myself if I do n't respond : by various debt collection Agencies, claiming it is regarding ( I believe ficticious ) a person - XXXX Constanamous..? Attached to this phone number..? At first I tried to understand and set the record straight about I 'm not this person, I did n't write this ( ese ) bad check ( s ), and they always promised they would correct their records and take my phone number off their call list. It would be a couple of months and then the calls would start over and it seems other collecting agenies would be added, as if they must be passing my phone number and the erroneous information on this " bad debt '' to other new collection agencies. I 've contacted my phone carrier, XXXX XXXX, who only suggested changing to a different number ( at my expense/inconvience ) but as they recycle numbers, they can offer no guarentees of who or what might be attached to the new number..? This last month and a half I 've logged up to XXXX Voicemails of these intimidating harassing Phonecalls and contacted them and they '' ve continued with the same lie that they 'll correct their records and remove my phone number from their call list. A particular XXXX - Tier One, XXXX XXXX XXXX & phone # XXXX XXXX XXXX & # XXXX XXXX XXXX referencing some file # XXXX after just promising yesterday XXXX XXXX XX/XX/2015 to update and correct their records proceeded to call with their intimidating, harassing phone calls again today the XXXX XXXX XX/XX/2015
Complaint sub-issue: Account information incorrect

We have been customers with XXXX XXXX for 4.5 years - XX/XX/2014 during that time we have never made a late payment on account number XXXX. That is until this year dated in XXXX. 

If you review my file history you will see I did in fact make payments on time for XXXX, XXXX and XXXX. The payment had gone up XXXX dollars in XXXX without my prior knowledge. XXXX XXXX took the payment that I have been accustomed to paying via bank draft as it does every month. Same as XXXX and XXXX. 

On XX/XX/XXXX I received the first notification from XXXXXXXX XXXX stating my account was past due, confused and unaware of why it would be past due I contacted XXXX immediately. It was on XX/XX/XXXX that I was made aware that my account was {$90.00} short ( {$30.00} XXXX {$30.00} XXXX {$30.00} XXXX ) and had already been reported to the credit bureau. On XX/XX/XXXX I also learned that the amount debited from my bank account had been placed in a reserve account with XXXX. NOT including XXXX, which XXXX accepted. 

I travel for work and am only home 3-4 days a month had no idea that my XXXX payment was going to be placed in a separate account. Same as my XXXX payment. When looking at my bank account the funds had been accepted just like XXXX. I never once received any sort of notifications of this. 

According to my bank account information and payment history I have always made my payments on time. My credit has lowered 100 points based on this {$90.00} XXXX XXXX  did not provide ANY communication to me about the reserve account, the shortage, reporting to the credit bureau or give me an opportunity to resolve the issue. 

I contacted XXXX XXXX on multiple occasions with no resolution to the issue Please advice how we can rectify this situation and remove the impact this has on my credit score.
Complaint sub-issue: Reporting company used your report improperly

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 
Today on XX/XX/XXXX, I contacted XXXX via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Complaint sub-issue: Attempted to collect wrong amount

A letter was received from ERC in XXXX Florida stating that XXXX XXXX owed {$770.00} for XXXX when in fact he has never ever had XXXX for a telephone company.
Complaint sub-issue: Deposits and withdrawals

XX/XX/2020 my Citibank account was closed due to a deposit not in my name. Prior to the deposit I had roughly {$7000.00} in my account The deposit had brought my account to a total of {$9000.00}. {$5000.00} I had sent to myself from my XXXX  because I felt that much money wasnt safe in that account since its not connected to a real bank I also sent myself {$500.00} from XXXX, I received a pAycheck in the amount of {$900.00} from the federal government and I just received my state taxes at the beginning of the month in the amount of {$1300.00} the bank closed my account and said I would receive a check in the mail that following Monday no check came I called and went to the branch and was told to wait for a letter I received the letter stating my account was closed the bank discontinued our relationship and would refund any money in the account prior to closing I at risk of losing my home I already borrowed as much as I could from family I have XXXX kids I keep calling the bank and getting hung up on no one wants to tell me where my money is or when a check will come in the mail. When I do get someone on the phone they tell me I have an available balance of {$18.00} thats all they can tell me and when I say my account had $ 7000+ the reps response is oh wow thats a big difference but sorry I wish I could tell you more. Everything I had was in my account everything I have nothing I already lost half of everything and had to have my kids stay somewhere else because I cant feed them and their home will be gone soon. I didnt know letting my step son deposit into my account would do this Im sorry I just need my money back I was told at the branch I could get my money bank but when the manager tried she said my account was still in the process of being closed.
Complaint sub-issue: Information is not mine

I investigated the negative items on my reports that were not mine and I have not receive any proof of the proper actions taken. My accounts were not properly investigated. Equifax failed to abide by Section XXXX, XXXX, and XXXX
Complaint sub-issue: Problem accessing account

First they lock my save and spend accounts and provide no reason why they did so. 
Then they demanded a copy of my most recent bank statement and copies of my drivers license. The license made sense but my bank statement? The way it had to be transferred to them does not seem secure but I begrudgingly did it in the hope I could get access to my own money again. That didn't work even though I was told that was all they needed. They then wanted additional IDs and for me to send photos of myself which seems really freaky. 

After going back and forth with this over a couple weeks I finally demanded they close my account and refund. I had to demand this several times over the phone and email and they continued to ignore me. 

I finally broke down and submitted a XXXX  complaint demanding they close the account and refund my money to my primary bank which was linked to my save account. Within a few hours I received a bubbly email letting me know that they were responding to my request and closing my account, they would then electronically deposit my funds back into my account. 

After several days I contacted them yet again to find out where my money was only to find out that instead of transferring the money back into my main account, as they promised, they mailed a check. 

The check never arrived at my home. 

Finally after several calls to their customer 'service ' department we find out that they mailed the check to an old address that isn't even on our account and hasn't been since XXXX of this year. 

The customer 'service ' representative begrudgingly agreed to send us another refund check this time to the correct address but adamantly refuses to expedite it in any way. Unfortunately that check was not received either. 

There are so many of us talking on social media about having these exact issues with this corrupt company that I'm shocked they are still in business. I know they have lost multiple class action lawsuits for their fraudulent business practices.
Complaint sub-issue: Information belongs to someone else

Its been over 30 days and I've reached out several different times. These Companies hasn't responded or opened my request to dispute any of the items I have requested to dispute. XXXX  and Equifax both just opened a dispute today XX/XX/2020, when the initial request and complaint was submitted XX/XX/2020. By Law they are not complying and its not fair I am now Requesting that they remove all unverified items from my credit report. The Law requires them to respond within 30 days. Failure to comply with these federal trade Commission ( see 15 USC 41, et seq. )
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXXXXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # 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.

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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX  account XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX  XXXX XXXX acct # XXXX, also XXXX XXXX XXXX XXXX 30 day late payment, and XXXX XXXX 30 60 and 120 day late payments has violated my rights. 

15 U.S.C. 1681 section 602 A. It also 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 an account withiut my written instructions.
Complaint sub-issue: Information belongs to someone else

Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified.  Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in  question. Sending out a generic form through the XXXX   system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you.
Complaint sub-issue: Received bad information about your loan

I have Federal Direct Student Loans. When the limited waiver was announced for loan forgiveness, I phoned FedLoan Servicing on XX/XX/XXXX and spoke to XXXX to ask about consolidating all of my direct loans into one loan - as I understood was a requirement in the PSLF Limited Waiver guidance. I was informed by XXXX at FedLoan ID XXXX that since all my loans were direct, I did not need to consolidate. I did additional research and learned that when you consolidate, the limited waiver would look at your highest payment count and you would receive forgiveness if you met the 120 qualifying payments and eligible employment. I phoned FedLoan several more times, XX/XX/XXXX and spoke to XXXX, XX/XX/XXXX and spoke to XXXX and phoned again on XX/XX/XXXX and spoke to XXXX again. I continued to ask for clarification about consolidating. Each time I was informed that I did not have to consolidate because all of my loans were direct. On XX/XX/XXXX I was partially forgiven under the waiver for loans that met the 120 payments. If I had consolidated all of my loans when I first called FedLoan in XXXX, I would have received full forgiveness because the 120 payments would have been met by the waiver applying the highest payment count. I was misinformed each time I phoned FedLoan. I phoned again on XX/XX/XXXX and spoke to XXXX ID XXXX and she confirmed that they were all a little confused about the waiver rules but confirmed that I was partially forgiven. After much discussion about the waiver rules and reading the guidance together she agreed that if I had consolidated I would have received full forgiveness.
Complaint sub-issue: Problem with fees

On XXXX/XXXX/XXXX I attempted to pay my credit card from Citi Bank. I noticed that I had a high balance and I never use the card on top of having a late fee for XXXX of XXXX even though I paid XXXX on that month they still gave me a late fee. So I called to try to cancel doing business with this vicious bank. They refused to waive fee and did not explain why I got a XXXX} balance despite paying high amounts every month and not using the card at all there is no way my bill can be that high. They also solicited my business by offering me a low interest credit card when I got card it came with a hefty interest rate of ( 23.99 % ) OUCH!!!! are we in America?? 

I requested to close my account and it was a very hard process. I was lied to by the rep at Citi Bank I was told when I made that XXXX payment that if I call in XXXX they will waive any late fee since I am paying a big chunk of bill and on top of that it only a few days. The reason was I was a victum of the Hurricane attempting to help family and friends this was the only reason I was late. Citi Bank and it 's employees did not care. I therefore want to close my account and have a full audit of my account they refuse so I hereby request the assistance of CFPB. 

Outrageous conduct by Citibank it 's called calculated legal theft of monies of millions of poor people.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are not properly investigating the multiple disputes I have submitted via mail and by this agency. I have disputed the false and deceptive reporting of XXXX over 6 different times. This company is violating my right to a fair and accurate report and even reported back to the consumer that my complaint is FRIVOLOUS! This is a real and valid complaint. XXXXt has not provided myself or any credit bureau Validation that I owe them ANYTHING. These are not my accounts and the credit bureaus are not investigating these seriously doing a careless job.
Complaint sub-issue: You never received your bill or did not know a payment was due

Hi, My name is XXXX XXXX and I have been dealing with this Discover Bank issue for months to no avail. I am trying to go for a mortgage loan and Discover is just deliberating bashing my credit score while I have been a customer for over 3 years. I need the CFPB help pertaining to this issue. Please see the attached document posted below.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX  XXXX Balance : {$410.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXX XXXX XXXX  XXXX Balance : {$10000.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$620.00} - This Account Belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly.
Complaint sub-issue: Account information incorrect

I pulled my credit report on XX/XX/2021 and sent a notice and pulled it again on XX/XX/XXXX and noticed an auto loan that is being reported. This auto loan is categorized as an " experience '' I initially had with XXXX XXXX of XXXX XXXX and then with US Bank so reporting it publicly to XXXX, XXXX and XXXX is a violation of the Fair Credit Reporting Act ( FCRA ), because they werent involved in this private matter, and this is a violation specifically of 15 USC 1681a ( 2 ) ( a ) ( i ). Because Ive already sent a previous notice to the furnisher or creditor, this is also a violation of 15 USC 1681s-2 : responsibilities of furnishers of information to consumer reporting agencies.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX Acct XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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