Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account information incorrect

Per Consumer Financial Protect Bureau Section XXXX, Requirements for over-the-limit transactions for XXXX ending in XXXX ; permission was never requested from XXXX nor given to allow for the over-the-limit-fraudulent transactions. In addition, XXXX did not have methods in place to prevent the multiple fraudulent payments that allowed continuing purchase that allowed the credit limit to be exceeded for purposes of theft. Hopefully XXXX is now protecting their clients from thieves. Moreover, a proper investigation didnt include the methods of payment used to make the fraudulent payments. XXXX states they will not share this information or do not have. This is America. Any information can not be withheld from the consumer if the consumer will then be held responsible. The theft resulted in account being closed, charged off, and then exceeded my ability to make a lump sum payment, and prevented me from continuing payments per my original and signed agreement. Thus my account is not accurate nor being reported accurately per requirements of the FCRA. XXXX did not follow Section XXXX of Consumer Financial Protection Bureau.
Complaint sub-issue: Was not notified of investigation status or results

I have been trying to work with the bureaus and they have not responded to my letters. I am trying to provide for my family and make a better life for myself and they will not and have not removed these inaccurate items from my report. I need to hear something back from them so I can finish this process. It is causing immense hardship.
Complaint sub-issue: No notice of investigation status/result

I have disputed this several items requesting proof of my signature and the original contract which they fail to provide. I continue to receive the same response each time and within two weeks of each dispute which is " the account has been verified '' I demand proof of contract and signature or immediate removal from my credit file. Acct # XXXX
Complaint sub-issue: Investigation took more than 30 days

THIS IS URGENT!!!! FREEZE MY CONSUMER REPORTS IMMEDIATELY!!!!
Complaint sub-issue: Debt was paid

I CONTACTED UTILITY COMPANIES AND SWITCHED INTO MY NAME. BOTH THE WATER AND POWER COMPANIES ADMITTED THEY ERRED AND DID NOT BILL ME CORRECTLY. I HAVE SINCE PAID IN FULL BOTH ACCOUNTS WHICH I TOLD AND SENT PROOF TO THE CREDITOR AND ORIGINATOR OF THE DEBT. BOTH HAVE IGNORED PROOF THAT ALL DEBT IS PAID. THE CREDITOR CONTINUES TO SEND NOTICE DEMANDING PAYMENT AND CONTINUES TO ADD LATE/FINANCE CHARGES.
Complaint sub-issue: Their investigation did not fix an error on your report

The Credit Bureau has failed to timely remove/delete the public item of federal bankruptcy from my credit report. On or about XX/XX/2015, I filed federal bankruptcy under XXXX XXXXXXXX. During the course of these proceedings my XXXX  XXXX was converted under 11 U.S.C. 1307 ( a ) to XXXX  XXXX. XX/XX/2015, my bankruptcy was discharged. 

I've contacted the credit bureau and discussed this. I was told that the information comes from a 3rdparty and a dispute was initiated. Upon receiving the results of the dispute, and nothing being changed ; I am filing this complaint. XXXX reported the information to the Credit Bureau despite providing them with proof that this was an initial XXXX XXXXXXXX filing which has a 7 year reporting time ; it continues to be reported. XXXX reports that the XXXX XXXXXXXX was dismissed or closed, when in fact it was discharged. There was also a reference that all debts were the responsibility of consumer. 
XXXX  XXXX bankruptcy is deleted seven years from the filing date. The reported information should have been deleted XXXX. XXXX XXXX and XXXX have deleted the bankruptcy from my credit report. 


Public Record Information This section includes public record items Equifax obtained from local, state and federal courts through a third party vendor, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

Accordance with the fair credit reporting act XXXX  account # 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 AACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C 166B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPENEND CONSUMER CREDIT PLAN AS LATE FOR ANY REASON
Complaint sub-issue: Overdrafts and overdraft fees

My bank has a new Digital Banking login, it is hard to understand and does not show balance after transactions or pending payments in a way that helps show how transactions are being posted. I was expecting to get   XXXX   overdraft fee this month, instead I have gotten  XXXX . This is because they pay the highest amount item first and the smaller amounts after causing the fees to be {$200.00}!!!! They should really get an account at   XXXX   XXXX   and see how an online banking account should work. The fees are out of control and should not be allowed, I need a refund of all but  XXXX  of these fees as soon as possible!
Complaint sub-issue: Didn't receive terms that were advertised

I opened a Citibank account with a {$400.00} promotion for minimum {$15000.00} deposit and another {$100.00} for direct deposit. The banker XXXX XXXX XXXX XXXX XXXX at opening confirmed with me that I am eligible for the promotion. I have kept the balance for more than 6 months now and still no bonus has been given to me even after numerous complaints to the bank and the executive office. Citibank is scamming customers and not honoring their promotions. The terms were to keep the money for 60 days and within 90 days the {$400.00} bonus will be given to me and another {$100.00} for direct deposit for a total of {$500.00} dollars. It has been more than 6 months now to no avail even after numerous complaints and calls. This is not acceptable.
Complaint sub-issue: Information belongs to someone else

I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THOSE ACCOUNTS. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT AND BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THESE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THOSE ACCOUNTE WERE NOT AUTHORIZED BY ME.
Complaint sub-issue: Frequent or repeated calls

Hello my name is XXXX and I am having problems with XXXX XXXX..XXXX XXXX XXXX  and the other names they use. 
I was not aware of the debt until several years ago when I received a garnishment notice from my employer. 
This amount was subtracted from my paycheck weekly including any taxes. 
I have not received any satisfaction of judgement letters. Recently I purchased my home and before closing I was advised that this debt was not settled and it was holding back my closing. 
Apparently XXXX XXXX purchased the debt and claims it was never settled. 
To avoid losing the home i waited so long for ; I made XXXX an offer of if XXXX and they accepted. On X/XX/17 I sent them the amount and they cashed the check. 
Now I need them to send me a satisfaction of judgement letter to give to the attorneys who handled the purchase and closing of the home. Money was held in escrow to show good cause. The sum it XXXX. Without this satisfaction letter I can not get back this money. It 's being held by XXXX XXXX. 
I had our attorney intervene and try to speed up the process yet nothing from them. We, my wife and I along with our attorney has been constantly given the run around. It 's either call back tomorrow ; call back in one hour ; no one is in that department ; can not locate the file ; all sorts of excuse. 
They cashed the check and was paid 2 times. 
I have even asked to speak with a supervisor. He is never available or he gives me the same answer. 
My wife is XXXX and I need this money to help us move into our new home. 
It will move things along more quickly before the weather changes Please help us. 
I have nowhere to turn.. 
XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I was a victim of identity theft or mistaken identity. I contacted the bureaus and provided all my personal documents as required along with a identity theft report. I have made several attempts to have this information corrected to no avail. the credit bureaus have not provided and debt validation with proof of any contracts on file bearing my signature to validate the debts, that they are required to provide when requested under the fcra.
Complaint sub-issue: Debt was result of identity theft

I have tried disputing this charge with several debt collectors through the last couple of years. Now, I have received a letter from ERC saying that I owe XXXX XXXX XXXX {$6300.00}. I have never had an account with XXXX XXXX XXXX, do not currently have an account or plan to have an account with them in the future. I wrote a letter to ERC telling them that my identity was stolen in 2018, that I have been disputing all the charges that accumulated by the person who used my identity and for this to be removed from my name and not pursued for this debt that I did NOT do and ensure that it not be on my credit. I sent in a copy of my original FTC report and copy of my drivers license with all my current contact information. No one responded and when I spoke to the last company, they were accusatory and did not accept any of the information I was offering.
Complaint sub-issue: Information belongs to someone else

Hi I recently contacted them to removal my hard inquires. They FAILED to provide proof these records are factual. I contacted each company they said that it was removed however the credit bureaus aren't removing them. I also have proof they requested it too be removed. I am a victim of fraud and I put a freeze on my account. Some of the inquires are wrong social security and some are over two years old. They don't want to help me because they PROFIT off bad credit and refuse to help me they keep sending me FACTUAL reports. For example XXXX pulled my credit four times and even XXXX said XXXX XXXX did not respond so it's not my account all credit inquires should of been removed. This was in XXXX they still haven't removed all of my hard inquires and I sent them all th information
Complaint sub-issue: Their investigation did not fix an error on your report

The Company Is continuing to report the debt to my credit report after the debt was paid and they agreed to remove it from the report.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I mailed a dispute letter to Equifax XXXX XXXX disputing the accuracy of a list of accounts. In this letter I included my full name, date of birth, social security number, as well as a copy of my driver 's license with a comment that it displays the correct and current address. I received a letter in response from Equifax stating " We were unable to locate a credit file in our database with the identification information you provided. '' This is false because I have received several alerts that they have updated my credit file after having received my letter of dispute. On four of the updates Equifax left a comment on the accounts that state " Consumer disputes-reinvestigation in process ''. This is verification that Equifax has in fact been able to locate my credit file with the identification information given in my dispute letter. This appears to be an attempt to either evade responsibility and unethically prolong the Fair Credit Reporting Act 's dispute window of 30 days. I have responded to Equifax with another letter pointing out their error and I expect for the disputed items to be removed if they can not be properly and thoroughly verified and validated within 30 days of my initial dispute letter.
Complaint sub-issue: Debt is not yours

XX/XX/2020, A past employee, XXXX XXXX, deposited his paycheck from my business, using mobile banking. The same day, XXXX XXXX went to a check cashing store and cashed the check. When XXXX XXXX XXXX XXXX presented the check for deposit, it was denied. 
XXXX XXXX XXXX XXXX has been sending me letters and copies of statues on commercial codes, that I am responsible to make the check good, plus fees. 
I have denied their claim, stating that XXXX XXXX, the original bearer of the check, who first came into possession of the check, deposited the his original check. 
I have sent XXXX XXXX XXXX XXXX banking contact information for means to resolve their issue, but they still pursue me. I made a recorded and written statements for them not to call me or send letters for mean of collection, but they still do. 
I am advised by my bank that if XXXX XXXX XXXX XXXX had done their due diligence at the time of the transaction, their check verify, would have denied the approval. Per XXXX XXXX, CA, XX/XX/2020, XXXX XXXX XXXX XXXX XXXX has all the copies of letters, emails & checks. 
AFTER this is reviewed, if needed, I will be happy to forward copies of correspondence & attachments. 
I want them to stop trying to collect on a debt I, my business, does not owe. 
And I want a letter that they resend their claim.
Complaint sub-issue: Debt was result of identity theft

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The particular account position that is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain a guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove the incorrect account below from my personal credit file : ERC XXXX
Complaint sub-issue: Information belongs to someone else

All three major credit bureaus Equifax, XXXX and XXXX have illegally hoarded consumers personal information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others. 

My wish is for the Federal Trade Commission and Consumer Financial Protection Bureau to demand on my behalf that all 3 credit bureaus remove all of this Consumers social security numbers, date of births, financial accounts or credit/debit card numbers, driver license numbers, detailed health or medical history or similar sensitive information. All relations with these 3 credit bureaus are now in question for reporting fraudulent information to disgrace this Consumer. Consumer wishes for damages of XXXX XXXX dollars from all 3 credit bureaus for their Treasonous deeds and all will be forgiven. Consumer would also like to thank the Federal Trade Commission and Consumer Financial Protection Bureau for protecting XXXX Personal, Family, and Household. 

This consumer is putting Equifax, XXXX and XXXX on notice of the value of this consumers personal data and signature and is warranted damages in the amount of XXXX XXXX dollars. 

Take Note : All XXXX XXXX XXXX ( XXXX XXXX XXXX ) Personal Information and Signatures hold a required value of XXXX XXXX dollars ( XXXX ), per incident ( request ) 15 USC 1692 ( A ) ( 4 ). Violations found may be cause for indictment/ penalties for Violation of Rights, Trademark/Copyright Infringement, Fraud, and Estate XXXX , etc for all parties involved. 
ACCORDING TO 15 USC1692 ( A ) 4 I XXXX XXXX I AM THE ORIGINAL CREDITOR-IN-FACT/ALL PERSONAL DATA AND SIGNATURES HOLD AN UNLIMITED VALUE/SO CALLED CREDITORS LISTED ARE DEBTORS IN FACT/EQUIFAX/TRANSUNION/EXPERIAN DOES NOT HAVE MY EXPRESSED CONSENT TO MY EXPRESS WRITTEN CONSENT TO FURNISH MY DATA.
Complaint sub-issue: Problem with rewards from credit card

On XX/XX/XXXX, I received an offer for {$45.00} cashback when I signed up for a new XXXX XXXX XXXX account. On XX/XX/XXXX, after ensuring I activated the offer, I signed up for the new XXXX XXXX XXXX account. Since it's been more than XXXX billing cycles and I didn't receive a cashback, I contacted Discover. They told me I did not activate the offer, despite getting the message that I did activate the offer. 

I opened a complaint with XXXX this month. This time, Discover said I did activate the offer, but that I was renewing my membership rather than creating a new membership. I've never had a membership with XXXX XXXX XXXX, so I don't know how they can say that I was renewing a previously existing membership.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX  XXXX has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated. 

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by XXXX XXXX XXXX  XXXX before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXX XXXX XXXX to furnish any late payments to my consumer report. It is my belief that due to XXXX XXXX XXXX  XXXX business relationship with the consumer reporting agencies, ( such as Equifax, XXXX, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.
Complaint sub-issue: Overcharged for something you did purchase with the card

Billing dispute of {$950.00} was opened for over charged purchase, conditional credit applied to account during investigation Investigation decided in my favor, letter dated XX/XX/XXXX stated {$950.00} conditional credit would be permanent. 
{$950.00} credit was not made permanent, it was reversed. 
Attempts to contact Citibank have gone unanswered. 
My statement is now due and I had to pay the disputed amount to avoid late payment fee. 
Credit my account {$950.00} as stated in the XX/XX/XXXX letter plus interest.
Complaint sub-issue: Information belongs to someone else

This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any accounts, incorrect names and incorrect addresses which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX : {$490.00} XXXX XXXX (  XXXX XXXX : XXXX XXXX XXXX ) XXXX Balance : {$560.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed the inaccurate reportings with XXXX, XXXX, and Equifax several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. I never paid the following accounts late, XXXX XXXX XXXX XXXX XXXX  is reporting late payments XX/XX/XXXX through XX/XX/XXXX, XXXX  is reporting no late payments and Equifax is reporting late payments XX/XX/XXXX through XX/XX/XXXX. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, XXXX  and Equifax considered to be furnishers? These accounts were not paid late and XXXX, XXXX  and Equifax have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.
Complaint sub-issue: Old information reappears or never goes away

i call the credit burea u  XX/2016  and  spoken will with upper management i ask about my report i was told their was only just  XXXX  item on my report and i pull my self the only item that was listed on report was a fed loan no public record or anything else all this inaccurate was remove from my file and i check again so month later these things reappear by law sectio n 6-11 of the  fair credit reporting act if item has been remove from credit reporting you must receive a letter within 5 days notification if item would be replace back on report here is item that was remove  XXXX   XXXX   XXXX , Tn Fed Bankrupt, Tn Fed Bankrupt, Tn Fed Bankrupt these  XXXX  was in public record, Mississippi Div
Complaint sub-issue: Debt is not yours

Received letter from 'ERC Collections ' stating that I owe {$270.00} to XXXX . The letter is under XXXX XXXX XXXX. My name is XXXX XXXX. I have an active account in good status with XXXX for my internet and phone service. 
I owe nothing to XXXX and the bill is bogus. I have tried calling 'ERC ' several times with 2 different phone numbers. Both are 'Disconnected '. 
Phone # 1 > XXXX Phone # 2 > XXXX Their website only allows payment with no live agent to discuss. 
The bill is not valid. 
I have attached a picture of the collection effort as well as my current ( Paid auto payment ) bill for XX/XX/21 billing cycle.
Complaint sub-issue: Information belongs to someone else

I XXXX XXXX am a victim of identity theft and the following are fraudulent : ACCOUNTS : XXXX XXXX XXXX Reported : XXXX XXXX, 2021 {$8800.00} XXXX XXXX XXXXXXXX XXXX Reported : XXXX XXXXXXXX, 2021 {$780.00} HARD INQUIRIES : XXXX XXXXXXXX Inquiry : XXXX. XXXX, 2021 Automotive COLLECTIONS : XXXX XXXX XXXX Reported : XXXX XXXXXXXX, 2021 {$240.00}
Complaint sub-issue: Debt is not mine

XXXX XXXX claimed I had not cancelled service and attempted to collect several months of service. Finally the company representative, after admitting they saw no activity on the account during the period in question, requested XXXX fax a copy of the XXXX contract to satisfy our claim. The copy of the XXXX contract was faxed and the information over and the item was removed from my credit report. It has now been placed back on my credit report by Enhanced Recovery Company.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Inaccurate information on credit report. Inquiries from different creditors that weren't permissible. XXXX, Equifax and XXXX. 

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

XXXX XXXX XXXX XXXX open on XX/XX/XXXX  XXXX & And XXXX  XXXX XXXX XXXX XXXX. XXXX . Open on XX/XX/19 With the corona crisis I cant support my family with this negative info on my credit report