Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Billing problem

This complaint is in regards to Carmax on line payment system and the over drafting of {$980.00} on XX/XX/XXXX, from my checking account. This is in addition to {$500.00} draft on XX/XX/XXXX. A total of {$1400.00} in 2 days. My accounts are negative and I will have nsfs from the bank and fees from creditors. THIS WAS PART OF MY MORTGAGE PAYMENT. CAUSING ME A SEVERE HARDSHIP! 
I am a great paying customer. I have never missed a payment nor been late since I originated the loan XX/XX/XXXX. 
I have notified Carmax customer service department over the past year that the on line system began to show a payment request of {$980.00}. They would tell me to over look it and that I could modify the payment on line which, the system would allow me to do so. There was a difference this month ( XXXX ) the on line system would not allow me to make the regular payment nor modify. I cancelled the process and called the Carmax office the next day ( XX/XX/XXXX ) to make the payment required and an additional amount of {$5.00}. During the phone call the representative did not inform me that a {$980.00} payment had already been applied. She took the payment of {$500.00} by phone. I informed her that the on line system requested I pay {$980.00}. I cancelled the on line process. I asked her why the system would not allow me to modify? I received the same answer as usual to " just ignore it. '' I made a requested of the representative to contact the Tech dept and inform them of the on line issue because the problem had gotten worse. Evidentally no one heard me nor cared! 
Again this has caused me to be in a financial strain. I want the {$980.00} reimbursed to me as soon as possible! I am requesting as well, Carmax pay all NSF and other fees that may occur due to their issues. 
They claim I processed the payment of {$980.00} on line. I informed them that I never received an email for confirmation of an on line payment. I would have inform them when I phoned their office.
Complaint sub-issue: Their investigation did not fix an error on your report

I reached to XXXX at the beginning of XX/XX/XXXX of this year in regards to to Several accounts appearing on my credit file. Some of the accounts have been removed but one in particular still remains ( Enhanced Recovery ). I've completed my report through the Federal Trade Commission which included this particular account as well. I never recall opening or establishing any account through Enhanced Recovery Company or XXXX XXXX XXXX. Both XXXX and Enhanced Recovery has been notified of the inaccuracies but yet this account still remains on my credit file to date. It has been well over 30 days an neither XXXX or Enhanced Recovery has responded in regards to this matter. Under the Fair Credit Reporting Act this account should not be reporting on my credit file and is a violation of my consumer rights.
Complaint sub-issue: Other problem getting your report or credit score

I tried to get my credit score. But it is unavailable and has been for awhile. I checked today XX/XX/21. And was told it's because I am deceased. My daughters can verify that I am still alive and social security can also verify. I really would like to fix this ASAP. I'm thinking of buying a home or car. Thank you
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In 2020 during the start of Covid I lost my wallet and it took about 3 days before I received it back. It somehow appeared back at the location at the counter. I did not file a complaint because I ended up finding it. Ever since then I kept seeing random inquiries populate on my credit report. Ive tried to dispute them but Im not getting any feedback or help. This has been so stressful as its damaging my credit. If you guys need the accounts that I do not recognize I can list them.
Complaint sub-issue: Information belongs to someone else

remove the fair debt violatIons ATTACH ARE FTC VIOLATIONS UNFAIR LENDING PRACTICES VIOLATIONS
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Account information incorrect

XXXX ran my credit 4 times in a very close time together. I have researched and researched. I do not know who this company is nor did I get give them permission to run my credit. 
They ran my credit XX/XX/2021, I did not give them permission They ran my credit XX/XX/2021, I did not give them permission They ran my credit XX/XX/2021 I did not give them permission They ran my credit XX/XX/2021 I did not give them permision.
Complaint sub-issue: Overdrafts and overdraft fees

I started banking with Key Bank a little over two years ago. I have had no problems with the bank until XXXX. I have been charged {$2000.00} ( {$890.00} on 37 fees in the last 90 days - that is insane ) dollars in bank fees by Key Bank in XXXX. I was informed when I opened my account that the account would deny any transaction if there were insufficient funds. I have asked about this over the course of XXXX because it continually would allow for my account to authorize purchases/ payments even when the account had insufficient funds. It was recently brought to my attention by XXXX ( XXXX XXXX, OR location - she is awesome and has been a huge help ) that in XXXX of XXXX an employee ( I do not remember her name ) changed my authorization to allow for overdrafts ( this was without my consent ). Prior to this incident I had no problems with overdraft fees. After finding this error, XXXX and I have worked together with several of the other branches and their managers to try to refund some of the fees. It has now been several months and there has been zero change or anything fixed. I am frustrated as a consumer that I was mislead, stressed, and treated the way I have been by this institution. This has negatively affected my overall health, my credit score, and my ability to live comfortably. I have tried to contact corporate about this situation only to consistently be hung up on by customer service and continually told to go to my branch to figure it out. When I get to the branch they tell me to call customer service. It has been a living XXXX to be honest. When the regional manager (? ) XXXX, found out that my main location ( this was in XXXX, OR and the manager was XXXX ) had shut down ( I wonder why ) she said " well, it isn't fair for the other branches to pay for that locations mistake '' - are you kidding me? I do not believe I should pay for the company 's mistake. I have done my best to work through this with them calmly and professionally but I am at the end of my rope and have lost all faith. Lastly, my account has a freeze placed on it ( XXXX recommended that I freeze it until we figure everything out to avoid more fees ).  This has worked great until I received several letters in the mail this week from Key Bank, threatening to close my account permanently and send the negative balance to collections. I called about this today and was told that there is nothing the branch level can do about it and I am not allowed to speak to the higher ups to figure out what happened. I was simply told that my direct deposit check would be taken in, the balance set back to XXXX, and that they would mail me a check for the difference after my account was closed permanently. I do not and will not ever recommend Key Bank to anyone and will do anything in my power to have anyone that banks there switch banks. I will share my story with everyone I encounter moving forward that mentions ANY bank.
Complaint sub-issue: Debt is not yours

On XX/XX/2022, I was notified by XXXX and XXXX of my credit score decreasing by XXXX points due to a debt collection of {$100.00} for XXXX by a Debt Collector, MRS Associates XXXX XXXX XXXX I would like to point out that XXXX is " not '' my utility company. 

Per my credit report, MRS Associates is located at XXXX XXXX XXXX, XXXX XXXX, NJ XXXX with a phone number of ( XXXX ) XXXX ; ( XXXX ) XXXX On XX/XX/XXXX XXXX and XXXX, I tried to contact them several times by phone at the numbers listed above and was kept on hold over 20 mts and then disconnected. No one was able to assist me, their phone system disconnects and asks to try again later. 

I am very frustrated with what has happened and how they have reported negatively to the credit reporting agencies. I don't know who MRS Associates is nor have they contacted me previously either by mail, phone or email. They did not take the proper steps to notify me or discuss with me. I have incredible credit status with no negative information on it, and now due to MRS Assocaites, there is a negative scar on my report.

I hope we can clear this matter up as soon as possible and MRS is held accountable for false accusations against myself and my credit reporting status. 

Thank you in advance for your time. 

XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reporting unverified accounts in collections. Accounts have been disputed but Equifax failed to provide proof of these accounts belonging to me. I have no contract with any of the listed creditors below. 
XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX  XXXX {$920.00} XXXX XXXX  XXXX- {$670.00} XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX- {$310.00}
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/2022 to remove : XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$840.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00}, which 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 these items or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX & I am including it again.
Complaint sub-issue: Debt is not mine

A collection account is affecting my credit sore. I want it remove because it 's not mine please I 'm trying to buy a house
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX, XXXX my vehicle was voluntarily surrendered ( XXXX XXXX XXXX ). Paid {$19000.00} and pay-off was {$20000.00}. The cost to repair is {$7000.00}. Tried to communicate via electronically and phone to try and resolve, but they would not listen. I am citing Equifax for being on their side after showing them all evidence. I just wanted Equifax to report a remark to " Volunteered Surrender on the credit report. Equifax states that they are only following procedure and report exactly what XXXX XXXX dictates to them. 
I wish for Equifax and XXXX XXXX of Texas to remove all information from my credit bureau file, but I know they will not listen to me. MAYBE THEY WILL LISTEN TO CFPB. 
You can reach me at XXXX or cell phone XXXX XXXX XXXX XXXX does not know where the vehicle is and I have told them. 
PS 2 : Would like XXXX XXXX to surrender title in order for me to fix {$7000.00} repair. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : ACCOUNT NUMBER : XXXX
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/XXXX at about XXXX I received an email receipt from XXXX notifying me of a purchase on my Citibank credit card XXXX in the amount of XXXX. The purchase was not made by me and my wife was currently at the Dentist when purchases were made. I then logged into my Citibank mobile app to investigate and noticed a second charge for XXXX was also now pending. I immediately locked the card and reported it stolen via the app. I then called Citibank to dispute the charges ( the app makes you think you can dispute it via the app but it then says you need to call them ). 

I was under the impression that the charges would be reversed while the dispute was investigated. Perhaps this was an assumption I made based on my prior excellent experience with fraudulent charges on my Chase credit card. However, on Saturday, XX/XX/XXXX I noticed the charges were still on my statement and no longer pending nor reversed. 

I called again to check on the status of the dispute, but given it was a Saturday the rep told me I would need to contact their security department during the week for an update. I tried to get clarification on the timeline as to when charges would be reversed she believed it would be within 7-10 days was otherwise unhelpful. 

On XX/XX/XXXX, I noticed the charges still have not been reversed. I again called the dispute number listed on the website XXXX and spoke with XXXX ( Employee ID XXXX ) to verify the status and clarify timeline. She said she has submitted this with priority status and should expect to see the credit in 2-3 days. She also offered a XXXX $ account credit for my troubles. 

Today, XX/XX/XXXX the transactions have still not been reversed, nor have I received the XXXX $ credit XXXX offered. 

On a somewhat related side note for other consumers, I signed up for a Citibank checking account due to a XXXX $ promotion if you spend XXXX $ on the debit card and a qualifying bill payment. This credit was never received. I realized this after I started this dispute and called them about it and the rep said it was scheduled to post on XX/XX/XXXX, but it never did. 

It appears Citibank does not honor their verbal commitments and thus I feel it necessary to send a written letter to dispute and required by CFPB
Complaint sub-issue: Trouble using the card to spend money in a store or online

I have had the reliacard since XX/XX/XXXX XX/XX/XXXX..when i received it and try to activate it the card had a block on it before i could use it. I have called reliacard throughout XXXX and XXXX trying to activate my card. When i received my card it had XXXX on it now XXXX there is XXXX on my card and reliacard refuses to give me access to my money. I have sent in faxes with peoof of identity i have talked to over 20 reps who are no help at all. I received a message from reliacard on XX/XX/2020 telling me to upload a selfie and id i did this twice and card is still locked. Ive called countless times just to have them say oh upload it again! My bills are swamped im stressed out. I just want my money and reliacard is basically holding my money without fair reason ive done everything they have asked and still no help 2 months later this is ridiculous
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I did not give permissable purpose for the following hard inquiries on my credit reports. Please remove them immediately.. 

Do not put a fraud alert on my report. I will lock my reports once the online profile logins are open. 

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 UNABLE TO GET THROUGH TO TALK TO ANYONE ABOUT REMOVAL, THERE IS ALWAYS AN ISSUE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Their investigation did not fix an error on your report

On several occasions I have made the Credit Reporting Agencies aware that they were reporting information inaccurately and each time I receive that the account has been verified but the date of last activity on the account remains the same. If they are in fact verifying this information is correct and reporting accurately, please provide me with the method of verification to include, date, with whom you spoke and what information was sent to verify this account. Also these accounts have been re-aged so that they remain on my report longer than they should be. 

XXXX # XXXX XXXX # XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Please be advised over the past 4 months I have filed 4 complaints and this is my FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. PLEASE DELETE THE XXXX XXXX ACCOUNT OF {$310.00} FROM MY CREDIT FILE IMMEDIATELY.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XXXX XXXX, 2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The inquiry listed below is still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Debt is not yours

I reached out to XXXX XXXX XXXX about this account from XXXX XXXX. XXXX XXXX XXXX doesnt have any signed signature of mines or a signed contract. I have disputed this account with all 3 CRA there was no form of verification with my signature or contract. I asked XXXX XXXX XXXX to provide me with a original signed contract with my signature they have yet to send me anything. I also reached out to XXXX XXXX and they dont have an original signed contract with my signature either. This document that I submitted is all the information XXXX XXXX XXXX sent me nothing with my signed signature or original contract.
Complaint sub-issue: Information belongs to someone else

I am a victim of Identity Theft. The following accounts were fraudulently used without my permission.
Complaint sub-issue: Other problem getting your report or credit score

/Complaint against Equifax . Started on XX/XX/2020 to unfreeze my credit report to allow a mortgage broker to access my account for a re-financing of home mortgage. Used my password and user name created way back from the original Equifax Breach, when I froze my account. I have spent a week at their website and my original, very well documented password they say is innacurate. Then I tried the " need help with password, we'll email a link to re-set '' and never got an email after 20 attempts. They have many log in pages on the internet, many of which are dead and not retired. In many cases I kept getting " try again later '' which never worked. Some links don't lead to any pages or don't work at all. I called customer service and was told I had to mail all of my personal information to them. I do not wish to put all the documents that someone could use to steal my identity in an envelope, when I should be able to access my account that has been set up for years. I informed customer service of all the bad logins and bad links on their site and requested she let them know. She said I am not allowed to do that. So, I tried setting up a new account and was successful at getting in to my account only to find out that any link I clicked on to unfreeze my account lead a " try again '' or " this pages is not available now. Today XX/XX/2020 I get an email from them saying login and check your free credit report. I have been to the login page three times and attempted to log in and all I get is, " SORRY, TRY AGAIN LATER. Their website is a total mess and I am unable to unfreeze my account to apply for a lower mortgage rates. 
Back when they had the breach, they had the same issues with their site and service. 
It's deplorable that I can not access my acccount to apply for a mortgage. I am fairly sure that I am not the only one with this problem. Someone needs to go up the ladder at Equifax and let them know of these issues that are preventing us for getting access to our accounts to get a free credit report, or unfreeze our accounts. This is costing me time and money. From XX/XX/XXXX to XX/XX/XXXX and I still can not unfreeze my account This is a very serious situation that needs IMMEDIATE ATTENTION BY THE CFPB.
Complaint sub-issue: Old information reappears or never goes away

This information is ruined my life and Is affecting my family I am not able to buy e home from long time because of this issue
Complaint sub-issue: Problem using a debit or ATM card

Hi on XX/XX/2023 i filed a dispute for charges that i didnt make some of the charges were adjusted from moneylion to my account but not reflected to my balance and some of the disputes were not processed as per moneylion saying that no error was found without making an investigation
Complaint sub-issue: Reporting company used your report improperly

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