Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive services that were advertised

It is my Natural Born Lawful Right under Federal Law of the Fair Credit Reporting Act, Pursuant to Title XXXX chapter XXXX. to Assign, Demand, and Direct Any Communication with any individual Company or organization. Compliance and to Act in Good Faith. your Company Must Comply to Federal law. I recently Checked my Credit Profile, and I have found Evidence of Unauthorized accounts. On my credit Profile that is Currently being reported with out my express written Consent From your Company and the Parties that furnished Data to you. It is your companies duty to carry great responsibilities of furnishers information. Pursuant to Title 15 USC Code 1681s-2. it is the furnishers duty to provide accurate and true information on a consumers profile. pursuant to Title 15 USC Code 1681s-2 ( 1 ) ( A ). your company is in Full acknowledgement of errors, and continued to report so I enable identity theft. And damages of {$100000.00} a day Fine for personal information being stolen or used without my express written consent.
Complaint sub-issue: Information belongs to someone else

This is my third and FINAL written request for you to comply with the law regarding the following derogatory account data which is clearly unverifiable. I have every intention of pursuing litigation in accordance with the FCRA to enforce my consumer rights and to seek full relief, recovering all monetary damages that may be available to me under Sections 616 and 617 for your continued willful, negligent noncompliance and blatant disregard for the law, regarding the following account data ( including, but not limited to, payment history and payment statuses ) :
Complaint sub-issue: Didn't receive terms that were advertised

I opened a checking account through BB & T on XX/XX/19 by clicking on a banner ad on the bank 's homepage. The ad advertised a {$200.00} bonus if certain conditions were met : 2 direct deposits of {$100.00} or 3 bill-pays of {$25.00} or more, within the first 75 days of account opening. I completed the 2 direct deposits on XX/XX/19. The terms stated account would be reviewed between 75 and 90 days of acct opening. 

I sent a secure message on XX/XX/19 asking when I would receive the bonus. Message changed the terms and stated acct would be reviewed between 75 and 120 days. 

I sent another message on XX/XX/19 asking when i'd receive the bonus and was told that no promotional code had been attached to my account. This is not possible ; I opened the account by clicking through an ad on the homepage and no code was needed. When opening the account, it was clear the promotion had been applied. 

In addition, when I first messaged on XX/XX/19, the CSR made clear my count would be reviewed and never said there was no code attached. 

After multiple phone calls and secure messages, I have been told that a code has been added to the account ; however, no bonus has been given, and no one will tell me when/if it will be. 

This is not the only issue I've had with BB & T. The terms upon opening the account say no monthly maintenance fee will be charged if I maintain a {$1500.00} avg bonus or have {$500.00} in direct deposits ; no time period is stated. However, as the name of the fee implies, I assumed it would be monthly. I did not learn until a few months in when one paycheck was lower than usual that the fee is charged per statement cycle. Nowhere is this stated. I had already changed my direct deposit so that I would have {$500.00} per month, but it did not work out to be {$500.00} per statement cycle. It took multiple secure messages and threatening filing a CFPB complaint to get the fee refunded. 

Every experience I've had with BB & T has been terrible. They do not make clear when/how they charge fees ; they regularly do not attach promotional codes ( the same exact thing happened to my wife ) ; their customer service is slow and non-responsive. I've communicated with : XXXX, XXXX, XXXX, XXXX, and XXXX.
Complaint sub-issue: Reporting company used your report improperly

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

XXXX 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I Have 5 Inquries On My Account That I Have No idea Where they Came From. 

Inquiry details XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX, XXXX
Complaint sub-issue: Used obscene, profane, or other abusive language

Several family members received a very vague letter asking for my personal information like : Name, address, phone number, and place of employment. The letter does not say anything about debt or anything. I have no idea who this is or what they want. It doesn't seem like a legitimate letter. It gave a file number:XXXX. And a name and address that said attorney at law. I called the number and was put on with a man who refused to tell me if he is an attorney, where I am calling or anything about this. He just put me on speaker phone and I heard him and it sounded like a couple of women or children laughing and making fun of me asking questions. I could hear them clearly. They said the call was recorded. I called on XX/XX/19 at XXXX pm CST. He just kept insisting that I give him my SS # and address. I would never give that to someone who I have no idea who is on the other end. They kept laughing and making fun of me talking and asking questions so I hung up. The number is XXXX. The name at the top of the page is XXXX XXXX. I googled it and it came up Kohn Law Firm S.C . I do not know why or for what reason these vague letters were sent out to my family members but It seems very much like fraud or something illegal.
Complaint sub-issue: Problem making or receiving payments

Trying to set up direct deposit with XXXX XXXX for my restaurant banking account with pnc and when I tried it said pnc changed their rules and cant let me do it
Complaint sub-issue: Card opened as result of identity theft or fraud

The last XX/XX/XXXX I went to Sears store for shopping some stuff at XXXX XXXX XXXX XXXX XXXX  Co. XXXX, when check out the balance was {$58.00}. The cashier asked me do you want credit card store. I was thinking maybe its the moment for apply for one card store for build better my credit. I say yes, I notice she was talking a lot, never give me the right information, just talking about the offers. I sign some documents but I notice doubles papers, I asked her DONT PULL UP MY CREDIT TWICE, she answer me no, just once very softly. After two weeks I received two letters, with two different reference numbers, in this moment I was so upset, I went to the store, I spoke with XXXX, she tell me the general store manager is no in the store for one week well I spoke with her about this problem. XXXX says they cant do anything, but I say the problem come from the shop worker and she offer a letter never received. This is not fair because take me long time to build my credit for just this inappropriate practices from the cashier ; she was just thinking in the commission she was received but never thinking how affect my credit. I never authorize two applications for credit card, please I need your help, I dont want to lose many point just for one person how just thinking in the money, she will receive for the credit card application.

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

I send a validation letter to the credit bureau in XX/XX/2019 requesting that the below account be validated : XXXX XXXX account # XXXX {$680.00} I notified the credit bureau of this account inconsistencies and have the opportunity for the bureau to correctly validate this account. The credit bureau has failed to provide proper proof of account validation within the legal time frame allowed.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Report Act : Account Name XXXX XXXX XXXX Account Number 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: Debt is not yours

There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a {$400.00} debt from XXXX XXXX. I cant say this more emphatically, I have never had a XXXX XXXX account in my life and could you please remove this immediately. 

Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 USC 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 permission
Complaint sub-issue: Can't stop withdrawals from your account

On XX/XX/XXXX a check in the amount of {$35.00} was presented as an EFT to my XXXX XXXX  360 Checking Account from Citibank. This charge was unauthorized. 

The history behind the transaction is that I previously held a Citibank Checking and Checking Plus ( credit line ) account for nearly ten years. Due to a dispute with Citibank, I closed out both accounts in XXXX and made regular monthly payments, scheduled to be deducted on the XXXX of every month to pay off the Checking Plus balance. On XX/XX/XXXX, I made the final payment on the account in person at a Citibank branch, bringing the balance to {$0.00}. I followed up on that transaction by calling Citibank to ensure that there would be no further deductions from my account. I was assured that there would not be and was advised that it was not possible for their system to initiate because there was a {$0.00} balance. I accepted this as factual. 

Despite being assured there would be no further deductions, on XX/XX/XXXX, Citibank sent another EFT for {$35.00} to my XXXX   XXXX 360 account. I called Citibank regarding the matter and it took awhile for any representative or managers to locate the transaction, as the account was showing a {$0.00} balance. Eventually, the error was found and I was assured that the charge would be reversed by the end of that week. The end of the week came and went with no reversal, so I called again. After speaking with several representatives who could not follow nor see what I was referring to, I finally spoke with a representative who stated that I would be receiving a paper check in the next 10-14 business days because the system could not reverse the charge due to a {$0.00} balance. She assured me that this would not happen again, although she insisted that she was unable to send me any kind of formal letter or document indicating that account is paid in full and will not be subject to any further charges. Approximately one week later, Citibank reversed the charge and also sent a paper check in the amount of {$35.00}. I did not cash the check. 

On XX/XX/XXXX, another EFT in the amount of {$35.00} was deducted from my account by Citibank. I contacted Citibank again, however this time they refused to assist. They claimed to not see the transaction anywhere, they were rude, dismissive, I was hung up on once while I was explaining the matter, and ultimately they suggested that I file a dispute with my bank - XXXX XXXX.
Complaint sub-issue: Debt is not yours

This so called debt is a total lie being handed off from one to another for more than 7 years now... I am tired of this lie and deny ever owning said debt or any attachment what so ever.. I demand this lie to be removed and erased from my personal life and anything attached to my name.. I DENY ALL AND EVERY CONNECTION TO THIS ACCOUNT IN THE AMOUNT OF {$300.00} ... XXXX.!! THIS IS CRAZZZYYY... ALL LIES AND ATTEMPTS ARE SOLEY FOR THESE COMPANIES TO BE SHARKS... REMOVE THIS CREATURE FROM MY LIFE PLEASE... AND STOP YOUR LIES...
Complaint sub-issue: Their investigation did not fix an error on your report

The three credit bureaus XXXX, Equifax, and XXXX have been causing me extreme distress. Each of these companies have been reporting incorrect information on my credit report! This is really frustrating because I have sent them countless letters and to no avail they aren't even responding to my letters anymore. No explanations or anything, they have completely ignored me beyond the point of disgust. With each of these bureaus reporting different information on these accounts there is absolutely no way to prove who is right and who is wrong. Also this is against FCRA guidelines, per the FCRA each bureau must report identical Information to a credit report and neither credit bureau as adhering to FCRA rules. It is truly disturbing when you have these credit bureaus getting away with such injustices. If they continue to get away with it they will continue to do it. Please help in resolving my issues, thank you.
Complaint sub-issue: Their investigation did not fix an error on your report

As the original creditor and natural person, I did not give these companies consent to furnish my consumer report. In order for this account to be put on my consumer report and file that means the account had to have been validated. No one but me can validate a date. Therefore, these companies are violating my rights.
Complaint sub-issue: Threatened to sue on too old debt

National collegiate trust bought out my student loans and claimed I am I 'm default from loans that were purchased in 2005. I have mad several attempts to get this business under fire for their wrongdoings and wo n't stop until I do. There is nothing stating I must stay in default and have my credit ruined by a collector XXXX. The loans were originally serviced out of XXXX and I live in XXXX. Somewhere this loan stops here. I even tried to send a complaint to the XXXX on this company to which I was told down at exist. I have a screen shot of the initial letter that states this. How am I paying to a company that does n't exist or when trying to locate even simply through XXXX wo n't come up? I refuse to stay in default for over 4 years. Something needs to be done. XXXX XXXX and XXXX has my loans and if you do n't answer then I 'll go after them too.
Complaint sub-issue: Public record

I have been trying and trying to get this judgement off of my credit report with Equifax or at least mark as paid, I have the receipt and Equifax is not doing anything. This is affecting my credit and I 'm really not understanding what else needs to be done. Please see the attached documentation.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Received bad information about your loan

In XXXX of this summer I changed my accounts at my local bank that was where I had my auto deduction made for my student loans. Since the account took awhile to close it seemed to close on the day my loan was to be paid. I contacted XXXX to ask if I should make a payment or see if it went thru and to make sure it would not mess up my student loan forgiveness or anything else. The customer service rep said it would not be an issue and they would send me a letter if the payment did not go thru and I could make it then. The payment did not go thru but since I receive the letter I was able to make the payment for the 15 day window on the loan forgiveness. The Rep failed to tell me  however that I only had a 6 day window on my interest rate incentive and that I would lose it. I could of made a payment that day! If they had provided me the correct information on my loan amounts I would be gaining .25 % less interest!. I have a sizable loan so that is adding up to a significant amount of money, I have contacted XXXX multiple times on this, but they just tell me I am out of luck. This is not my fault I offered to make the payment the rep told me not too!
Complaint sub-issue: Their investigation did not fix an error on your report

I have been actively working on improving my credit scores. I have filed disputes with XXXX XXXX, XXXX  and Equifax. Directly and now through your support. 
Today, after filing my dispute with you last week, XXXX XXXX is reflecting my Equifax score went down 23 points and there is no changes reflecting why it would go down. 
So, are they punishing me for filing with you? Is XXXX XXXX wrong? Equifax directly does not reflect a 23 point drop, although my score did go down. 
And if you review my previous complaint, XXXX XXXX told me my score went up 57 points when it did not move. 
How can we as consumers be expected to follow their reporting when it is so inconsistent and presumably not accurate? Not too mention the impact these erroneous reports have in our abilities to purchase items that rely on these same credit scores. 
I NEED HELP PLEASE?
Complaint sub-issue: Debt was result of identity theft

To whom it may concern, I am writing to delete the following information in my file : XXXX XXXX It shows that this account was opened in 2015. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. This unfortunate situation affected my credit status which leads to credit denials and higher interest rates.
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the accounts listed above. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified, invalid accounts must be removed.
Complaint sub-issue: Personal information incorrect

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint, not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are being investigated by the FTC.
Complaint sub-issue: Their investigation did not fix an error on your report

2009 Bk is now 10 years old. Equifax and XXXX refuse to remove Bk from my report. Additionally they both state they have checked with Bk Court. Bk court does not report to the credit bureaus.

It has been 10 years, my credit has greatly improved and I now own a home mortgage free. I am being held hostage by the bureaus system and want the negative removed from Equifax and XXXX.
Complaint sub-issue: Funds not received from closed account

Ally bank refuses to transfer my money from the Ally savings account to my checking account. Even though, the checking account has been properly linked, their website does not allow me to initiate the transfer. Ally Bank refuses to service their customers with outrages wait times that nobody can afford. 
Ally Bank advertised to be easy to use, and available 24/7. This is false statement. They take money and then abuse their customer with hourlong wait times.
Complaint sub-issue: Fraudulent loan

I joined a monitoring service in which I noticed a fraudulent auto loan on my file in my name in which i did not obtain From Company Honor Finance for the amount of {$5000.00}. This account is Fraudulent and does not belong to me and has been reported.
Complaint sub-issue: Can't stop withdrawals from your account

I was charged multiple times by XXXX inaccurately. After speaking with PNC a few times about this an investigation was to be done. I also spoke to XXXX about it as well. The problem was that my PNC bank was supposed to have been disconnected from XXXX but it never was even after calling XXXX to verify it. This began around XX/XX/2019 with a charge of {$12.00} from XXXX which was then refunded because of NSF. This happened numerous more times causing an increase NSF fees and other transactions to bounce as well due my account becoming overdrafted. Even though I attempted to balance out my PNC account by adding money but it was never enough. XXXX even drafted my a letter to verify this. Only for me to later found out that XXXX had once again misused a bank account that was supposed to have been removed. I attempted to get into contact with PNC who told me that they had to forward me to another team to resolve my issue but they couldn't because transferring in house didnt work? However when I attempted to call the number given, that didn't work either. Now I am sent a collection letter for money I shouldn't owe.
Complaint sub-issue: Account status incorrect

I had several accounts with XXXX XXXX back from XXXX to XXXX. Unfortunately, I became ill in XXXX and was unable to meet my credit obligations. I did inform XXXX XXXX of this. Ultimately my accounts were closed and charged off. When I was able to return to work and in the process of repaying my credit obligations I made contact with XXXX XXXX and informed them I would like to repay any outstanding balances owed on my accounts. They were all too happy to hear this. All the accounts were repaid in full to their internal collection department. When I was setting up the repayments I made it crystal clear that once the obligations had been repaid ; the accounts would report to the credit agencies as paid in full and closed. No, write off, no charge off. Well in true XXXX XXXX fashion they did not do what they agreed to and on all three credit reporting agencies, it reports as negative and continues to report as a negative month. I view this as a punitive action on the part of XXXX XXXX, they had been repaid and didn't suffer any loss on these credit cards yet they have a long-standing history of sticking it to a consumer who falls behind. I have disputed these accounts with XXXX, Equifax, and XXXX XXXX several times to no avail and now seek help from the CFPB to correct the misgivings of this large and powerful company.