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

The accounts on my credit report do not appear to be mine. There are also missed payments that are inaccurate.
Complaint sub-issue: Can't close your account

I am executor of my mother 's CD account. She had added 3 beneficiaries to her CD ( me, my brother and sister ). When she passed away recently, I tried to close the account and have three checks made out to the beneficiaries, as per my mother 's wishes. The bank refused to give me the three checks, even though they had been issued and were sitting in front of me, unless we provided them with a signed, notarized letter from each beneficiary requesting that the account be closed and checks issued to the beneficiaries. Mom had accounts at 10 different banks and/or savings and loans and this is the only one that required this additional information.
Complaint sub-issue: Other problem

Best buy credit card through Citi Bank I changed bank accounts and DELETED my old bank account and added my new one yet their autopay still billed the DELETED account and racked up overdraft fees on my bank account. Almost {$200.00} worth! They even charged my card AFTER I called and told them there was an issue. They refuse to take accountability for their system flaw and keep blaming me. If I DELETE the account from my account it's a pretty big security flaw that they keep it on file and continue to charge it. Now I have to fight with my bank to see if I can get a 1 time reversal on the overdraft fees even though it's not my banks fault it's Citis! This is absurd.
Complaint sub-issue: Information belongs to someone else

I sent a letter to remove ( personal information, address, accounts name & account Number ) that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXXXXXX XXXX XXXX Balance : {$1200.00} XXXXXXXX XXXX XXXXXXXX Balance : {$25000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$110.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$790.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$210.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There are unauthorized Inquiries on my Equifax Credit Report that I did not due or Authorize. By law due FDCPA the Credit Bureau needs to Delete them. I've contacted Equifax spoke to several Supervisors and they said it would be deleted within 72 hours. Please provide me with Physical Documentation that shows I authorized these or I will be filing a Civil Lawsuit against Equifax & the CEO. I am a Victim of Identity Theft & the Equifax Breach. 

Please Delete the Following Credit Inquiries : XXXX  XXXX-XX/XX/XXXX XXXX/XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX
Complaint sub-issue: Account information incorrect

XXXX  XXXX XXXX is reporting a lot of inaccurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. The past 2 months i have disputed this and it was verified as " accurate '' by XXXX  XXXX XXXX. It is reporting to XXXX, Equifax and XXXX  but a lot of contradicting information there is no way that they that they can verify this debt as it is reporting completely inaccurate they are in violation of my rights. 

below are the innacuracies Monthly payment XXXX {$260.00} equifax {$260.00} XXXX  {$0.00} Date opened XXXX XX/XX/XXXX equifax XX/XX/XXXX XXXX XX/XX/XXXX month ( terms ) XXXX   XXXX equifax XXXX XXXX XXXX high credit XXXX {$15000.00} equifax {$0.00} XXXX {$15000.00} Last reported date XXXX  XX/XX/XXXX equifax XX/XX/XXXX XXXX  XX/XX/XXXX date of last active XXXX XX/XX/XXXX equifax XX/XX/XXXX XXXX XX/XX/XXXX Date of Last Payment : XXXX   XX/XX/XXXX equifax XX/XX/XXXX XXXX XX/XX/XXXX the reporting on the bottom on the 2 year payment history is all different as well..please see attached document for proof of all of the inaccuracies stated above
Complaint sub-issue: Threatened or suggested your credit would be damaged

I had taken out two loans with this company, one on XX/XX/XXXX for {$700.00} ( total paid in full plus interest {$1500.00} ) and a second loan on XX/XX/XXXX for {$1000.00}. During repayment for the XX/XX/XXXX loan,  I was counseled that in NJ lenders must be licensed by the state in order to offer loans to its residents and prohibit lending at an excessive interest rate. In addition, it is illegal to provide any loans at a rate higher than 30 % in NJ. I reached out to the company to inform them that because of their practice the contract is invalid and since I had paid {$820.00} in excess interest rate fees, I revoked ACH withdrawal for my XX/XX/XXXX loan since the company was paid more than full. In response to my letter dated XX/XX/XXXX, the company claimed that they have tribal law immunities and can collect on this debt and requested a settlement of {$240.00}, which I denied because they had already been paid {$820.00} in excess fees. I sent a follow up letter dated XX/XX/XXXX, in which I did not receive a response. On XX/XX/XXXX, I received an email ( which I clearly stated in my XX/XX/XXXX letter that I am only accepting communication through regular mail ), stating that my debt is 120 days in collection and will be reported to the credit agencies. This company has already been paid in excess and should not be collecting on this account. They also refuse to follow consumer 's request method of communications, ignore requests, and threaten to place an account which I more than paid their company for with the credit bureaus.
Complaint sub-issue: Didn't receive terms that were advertised

I opened the checking account on XX/XX/XXXX/2017 at XXXX XXXX NJ branch presenting the promo printout - Earn up to $ XXXX When you open a new, qualifying PNC checking product! 
Offer amount varies depending on the type of product opened. 
COUPON ID : XXXX Offer ends XX/XX/XXXX, 2017 Terms, in dispute, was - Make 10 purchases with a PNC XXXX Debit Card. 
" A qualifying debit card purchase is defined as any debit card purchase made at point of sale using your signature or PIN, or a purchase made electronically or online .. " I did many transaction inXX/XX/XXXX '17, established Direct Deposit, etc. Terms clearly stated electronic transactions would count towards  Debit Card transactions. Above quote is direct from the promo in my mailbox and the one I presented to branch while opening the account. Now, PNC reps tell me that it needs to be physical Debit Card transaction only. I told them I can forward the promo I received but they say that they ca n't help me. Service request was raised No.  XXXX and was rejected for the same reason. 

I ca n't understand, how can company not honor it 's own promo!!! So, frustrating!!
Complaint sub-issue: Debt is not mine

I recently checked my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never received a notice from this company. I have never received goods nor services from this company and I have not signed a contract stating I would do so.
Complaint sub-issue: Public record information inaccurate

Bankruptcy filing that was dismissed and should have been removed from my credit. Bankruptcy was file in 2014. 

Also loan modification on current mortgage but late payments that were required to even be considered for a modification are still showing on mortgage.
Complaint sub-issue: Account information incorrect

There is an account and an inquiry on my credit report that I don't recognize nor authorized : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX have the FTC affidavits attached and I sent these to the company over a month ago and have heard nothing from them In accordance with the FCRA, I am now withdrawing my consent. I the consumer may have given you written, verbal & nonverbal consent. I'm now rescinding the 1974 Privacy Act and Equifax, XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights & took criminal actions also by reporting, transaction history which is illegal as well under the 16 CFR 313.7.
Complaint sub-issue: Information belongs to someone else

I Have wrote this company a letter after looking at my credit report with fraud information they have failed to remove these fraud account or even investigate my dispute with proper documentation. I have sent them a notary from the federal trade commission. They failed to even investigate this manner
Complaint sub-issue: Account status incorrect

On XX/XX/2020, I received an email from XXXX  XXXX XXXX, XXXX  XXXX  that stated that they had a data breach, my account was deactivated, please destroy the card, and a new one would be issued In spite of this notice, I made a payment that was posted on XX/XX/2020 and another on XX/XX/2020. A new card was NEVER sent in spite of them receiving payment 13 days after the date of this email. In XX/XX/2020, my credit report alerted me that I had a 30-day-late-status reported for this account. ( Note : I had never been late prior to then or thereafter. I still have this account. ) When I contacted the XXXX, they stated that my card wasn't issued automatically because I had a late payment. It was confusing since the notice of breach via email and a payment was within 13 days of each other. Finally, after calling back to XXXX  XXXX   about my credit report 30 day late notification, on XX/XX/2020 I received the new card that the original email stated that I would receive automatically. 

I have disputed this information several times through the credit bureau. Last year XXXX  XXXX XXXX, XXXX responded to my complaint but it had some inconsistencies with the my statements and dates. XXXX  has refused to assume any responsibility for THEIR data breach, lack of communication on what was my current account numbers and reissuance of cards which was ultimately THEIR ADMINISTRATIVE ERRORS and how this has affected my credit. I am now trying to purchase a home and this ONE LATE PAYMENT is hurting me badly. It has been over a year and I need it off ASAP. 
I will be willing to have a no information found or reported but the late payment status is not justified. 
All documents proving these statements are attached. 
I emailed and faxed this dispute and in spite of being called and told that it would be fixed ASAP, it hasnt. I AM IN THE PROCESS OF TRYING TO BUY A HOME AND THIS IS HINDERING ME.
Complaint sub-issue: Information is not mine

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly.XXXX XXXX XXXX XXXX DXXXX 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

The following multiple entries on student loans were reported on my credit report..Based on my research, all government funded loans are not supposedly be reported on a credit report. This is a clear violation of the FCRA.. Credit Bureaus could not even give me concrete explanation as to why thy wont delete it.. Please step up CFPB and delete XXXX   XXXX, XXXX XXXX, XXXX/DEPTOFED XXXX
Complaint sub-issue: Other problem getting your report or credit score

For the last 4 days I have had issues getting information off my credit from Equifax. I have verified my full name, social, address, date of birth and issues related to me. I have had to be on the phone over 30 minutes. I have faxed information including my driver lic and social to equifax. to remove error off my credit. to no prevail I am repreatedly told I have to fax the same documents over and over.
Complaint sub-issue: Confusing or misleading advertising about the credit card

I signed up for Citi 's Safeguard protection service back in 2006 and was mislead on stipulations that are required to file for unemployment benefits in order for them to activate this service. As being unemployed for 4 months now, I've attempted to activate the benefits and was denied due to the fact I was denied unemployment benefits from the State of Arizona. This was never discussed as a requirement upon the initial offering of this service that it is contingent upon being accepted or denied unemployment benefits but was offered as safeguard in the event I was unemployed. I've attempted to just ask for the fee charged to be refunded as I can't utilize their service due to their necessary stipulations to activate it so I cancelled the service due to being misleading on how the service will work when been offered it by Citi via customer service call back in 2006. Citi 's customer service wasn't helpful as they just refer you to their third party agency, Citi Safeguard, when I've attempted to call and escalate the matter to appeal the denial so that I can get the fees back they charged me for a service that doesn't assist when you actually become unemployed. Please be aware of these types of service offerings when offered as they may have hidden stipulations and should be advertised along with service offering in the beginning. Otherwise I would have never signed up for a service that will not assist and deny you when you actually need it to function but they already collected their fees for it and not willing to give it back to customer.
Complaint sub-issue: Frequent or repeated calls

TOTAL DEBT : {$100.00} I owe to them for sending money using their services THEY CLAIMED I have been getting phone calls and emails from www.xoom.com attempting to collect the above debt. 
They have blocked me from my account and I have not been able to log in for the past 30 days. 

I have called and email them several times this week : XXXX to XXXX XX/XX/2021, only to be asked for information from my account only to tell me it is wrong, but fail to provide any other way to give me access to my account so I can pay off the above debt. The phone attendants from the PHONE CALL CENTER continue to act like they have no idea who I am and tell me my information is incorrect only to deny me access to my account or even pay OFF THE DEBT OF {$100.00}. Yet, I continue to receive emails threatening me to report me to a credit collection agency and stating that I should call this number immediately : XXXX. Every time I call the number, they run me through the same loop again, questions after questions and they claim none of my information is correct and therefore they can not even take my PAYMENT for the collection of this debt. I have talked and called 7 times today XXXX XX/XX/2021 and THEY give me the same threatening conversation. 

I, XXXX XXXX XXXX, have been a customer for over 10 years with this company and now they refused to help me and actually pay what they claim is a debt I owe them. I am willing to pay it but I am afraid they will report me to a credit collection agency on purpose to hurt my CREDIT HISTORY and illegally charge more money. my email address is : XXXX, my phone number is XXXX ... .I am a XXXX serving the United States XXXX XXXX and of course they my already know this and may be attempting to fraud me. I can not believe this is the way they treat loyal dedicated customers like me after 10 years of membership. I believe other XXXX like myself may be undergoing same similar situation as every time I call their service phone center, the ladies there even laugh at me since they knew they were just not GOING TO HELP. 
I have been harassed, laughed at, lied to and given the wrong information since they keep on denying me access to my own account I held for 10 years.
Complaint sub-issue: Didn't receive enough information to verify debt

I sent a validation letter on XX/XX/XXXX and mailed it certified. I tracked the letter and noticed that Grant & Weber received it on XX/XX/XXXX. When I received the response from Grant & Weber, I noticed multiple inaccuracies. 

My name was not spelled correctly on the documentation. Also, the dates of service that were listed are incorrect. The dates listed are consecutive ( XX/XX/XXXX - XX/XX/XXXX ) ; yet I was NOT seen on all the days listed. My birthday is on XX/XX/XXXX and I have never spent time in a medical facility on my birthday, therefore I know the dates are incorrect.
Complaint sub-issue: Funds not received from closed account

Account number ending in XXXX, close date XXXX XXXX. Send my deposit back to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ga, XXXX
Complaint sub-issue: Didn't receive terms that were advertised

I opened a new checking account with the promise of a {$500.00} bonus if I made direct deposits totaling {$6000.00} or more within 60 days of account opening. I opened the account on XX/XX/2022 and completed over {$6000.00} by XX/XX/2022, fulfilling the requirements for the bonus. The {$500.00} bonus was supposed to be deposited into my account within one statement period after completing the required deposits. I should have received the bonus by XX/XX/2022. It is now more than 60 days after I completed the requirements, and I have not yet received the {$500.00} bonus. I called to ask about this issue, but after spending more than half an hour on hold and being passed to three different operators, I was informed that they had no way of helping me because their " system is down. ''
Complaint sub-issue: Account status

Equifax , XXXX, and XXXX is fraudulently keeping a transaction on my credit report for an apartment complex when it knowningly has been reported as false.
Complaint sub-issue: Was not notified of investigation status or results

I just wanted to let you know I drop the ball about not responding back to the CFPB but I didn't stop disputing with the bureaus and these creditors. I have asked for documents to validate the debts that I have by sending me documentation. I have failed to receive anything. The agency should be making sure the account was accurate before putting it on my credit consumer report. Therefore, in my opinion the inaccurate information should be removed.
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent letters to XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2022. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681
Complaint sub-issue: Didn't receive advertised or promotional terms

I received a written offer from Key Bank Reservation code XXXX  Marketing code XXXX  on or about XX/XX/18. I promptly applied for the credit card and received it. Then I applied for a Key Bank Active Saver Savings account which seemed to be required to receive the Key Bank {$200.00} credit card bonus. Key Bank turned down my application for a savings account because of one late payment to XXXX XXXX per XXXX. Of course XXXX  disturbingly refuses to tell anything about their rating without all my personal data.XXXX  said XXXX XXXX reported one late payment on my XXXX account. I then contacted XXXX they agreed my account was never past due over one month based on the XXXX payment due date schedule. Further investigation verified XXXX considered an account past due based on the date ( which varies ) they read the electric meter which is 5 to 10 before the payment due date. I dont think Key Bank meant to offer me a {$200.00} Credit Card reward and then deney it because XXXX doesnt follow normal credit reporting rules of considering and reporting a payment late only once it is over one month late. All though my attempts, so far, to get Key Bank by phone and on line text thru my Key Bank new Credit Card account to reconsider their savings account application turn down decision and pay me the {$200.00} Credit Card bonus have fallen on def ears.