Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I had 2 fraudulent charges on my credit card account on XX/XX/XXXX in the amounts of XXXX & XXXX form XXXX XXXX card. During the dispute the charges remained on my account as this was odd they wouldn't temporary remove the charges until investigation was closed. I already felt there was bias. After 3 weeks I received a letter stating I was responsible for the charges as the chip card was used. This was impossible as I had the card in possession and used it that day on other transactions.
Complaint sub-issue: Confusing or misleading advertising about the credit card

Cancellation benefit not as advertised. Matter of fact, judging from the response to the claim, no claim will be honored. Thus the " benefit '' is a scam and a perfect example of false advertising. My complaint is, according to this letter and an e-mail from the insurance companies general council 's office, there will rarely, or ever, be a claim that is covered. Therefore, my complaint that the benefit is a scam still stands and is unanswered. The public should not be subject to this type of hyperbolic scam. False advertising is also apparent.
Complaint sub-issue: Account status incorrect

As of XX/XX/XXXX, I had a XXXX credit score of XXXX. On XX/XX/XXXX, my credit score dropped to XXXX, due to XXXX, XXXX, XXXX XXXX XXXX fraudulently reporting an open collection account dated XX/XX/XXXX, with XXXX XXXX. I filed a Chap. XXXX bankruptcy which was discharged XX/XX/XXXX. XXXX XXXX, XXXX ( XXXX XXXX ) was part of the bankruptcy. I contacted XXXX and XXXX, XXXX, XXXX XXXX XXXX. and telephonically disputed this erroneous account. I then mailed them a copy of my discharged bankruptcy documents showing that XXXX XXXX was a part of my bankruptcy. Between XX/XX/XXXX and XX/XX/XXXX, XXXX removed the disputed collection account from my credit report, but they did not restore the full 97 points that they took away from me as a result of XXXX reporting this fraudulent open collection information to XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I received a copy of my credit report and I notice good amount of inquiries I did not authorized. I did not consent to, authorize, nor benefit from any of the following inquiries. block and removed them immediately Under 15 U.S. Code 1681c-2. Under 15 U.S. Code 1681 its ruining my reputation because there are inaccurate inquiries reporting on my credit report.
Complaint sub-issue: Account status incorrect

I called Ally Financial ( XXXX ) on XX/XX/2021 at XXXXXXXX XXXX ( pacific standard time ), and spoke with XXXX XXXX and XXXX regarding a settlement offer. I was told that if I paid {$13000.00} by XX/XX/2021 The entire tradeline associated with Account XXXX : XXXX would be removed from all 3 credit bureaus. I was told my call was being recorded and would like record of the call. On XX/XX/2021 {$13000.00} was paid to Ally. Ally has confirmed receipt of the funds but is still reporting the account as opened with a balance. I was told on XX/XX/2021 that Ally will take up to 60 days to update this information which is very different from the information initially given to me on XX/XX/2021.
Complaint sub-issue: Frequent or repeated calls

This is Conn 's Home Plus and I am late on a payment and now they 're calling me XXXX, XXXX, sometimes XXXX times a day everyday.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with Fair Credit Reporting Act XXXX Accounts, above has violated my right.

15 U.S.C 1681 SECTION 602 A STATES I HAVE MY RIGHTS TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTOIN 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH WITHOUT WRITTEN INSTRUCTIONS
Complaint sub-issue: Keep getting calls about my loan

Sallie Mae called me twice in two weeks regarding my bill once on XXXX from an unknown number and once on XXXX. XXXX times I explained that I do not have money to pay them and in response to asking them to stop calling me, I was informed they would continue to call until the balance is paid. I find this action harassment and I would like them to stop calling me or at minimum reduce the amount to once a month. 

This is for a XXXX loan for XXXX university XXXX.
Complaint sub-issue: Banking errors

We have half a dozen accounts with our local XXXX XXXX branch. 

We recently received a notice regarding our 10 year-old son 's account ( XXXX XXXX ),  saying that the account was closed. His balance of almost {$800.00} was shown as {$0.00} on the statement saying the account was closed. 

After some investigation we learned that the State of Michigan had absconded with the savings account of our son. When we asked the bank about it, they said that the account was taken by the State of Michigan as " escheated '' funds. 

I now know that this applies to dormant accounts ; however, we were never notified that the account was in jeopardy by our bank. Worse yet, we are in that bank at least monthly to manage something on one of active accounts. We are not hard to find, and we are most certainly active with the bank.

My name is on the account because my son is a minor, and I have other active accounts with the bank. Still, the system and/or XXXX XXXX allowed the state of Michigan to take my son 's money. XXXX XXXX told us that they sometimes inform their customers that this is pending, but that our account didn't meet the threshold to make the list to be notified?!? When we asked why we didn't make the list to be notified, we got no response. 

No effort was made to contact us - the money just disappeared. I'm now told that it will take a minimum of ( 120 ) days to get the money back.

This situation is so far beyond absurd, that I need help ... 

Sincerely, XXXX XXXX XXXX, Michigan
Complaint sub-issue: Banking errors

On XX/XX/XXXX at approx XXXX. I made a cash deposit of {$200.00}, I had XXXX XXXX dollar bills. The atm at XXXX XXXX, for this PNC bank was not working right!!. It spit out {$140.00}, it ate my {$60.00}!!!!!!!!! And I called their ridiculous customer service number, they had me on hold for over 15 minutes, I never got through to a manager in the retail escalations dept. So I called 2 more times to see what " bad customer service rep '' would say. They all said NO, we are not crediting your account the {$60.00} that our ATM ate! I could very well have checks bounce tomorrow because OF THEIR SEVERE NEGLIGENCE, THEY RARELY HAVE THESE HORRIBLE ATM 'S SERVICED! And now they literally STOLE MY MONEY!! I certainly hoped they get severely fined for this! I want that {$60.00} crediting NOW! Not only do they have horrible customer service, the hold times were horrid, they used all my cell minutes, I have a pre-paid phone. And they never have a manger working, they give wrong info of what department I needed to speak to! I called at XXXX XXXX, later after XXXX XXXX when I called again, that rep told me that I should have been able to speak to the right department before XXXX!! I am so mad right now at PNC I am having XXXX XXXX! My rent check could bounce because of thier horrid atms!! And if it does, I am getting an attorney after PNC! Thier reps told me this could take two weeks!! Fine PNC!
Complaint sub-issue: Threatened or suggested your credit would be damaged

I received a letter from XXXX XXXX ( a dept collection company ) on X/X/2017 informing me that they were the legal owner of a dept I owed from more than 20 years ago. I called the agency to gather more info and the collector went on to tell me they had access to FBI files and he could give me the name of my neighbor if he wanted. He also said they we 're going to file a judgement and the debt would be on my credit report for 6 years. I do not believe I owe this debt and the practices used during the phone call were very threatening. I am also worried that this company obtained my personal information for fraudulent purposes.
Complaint sub-issue: Right to dispute notice not received

The collection agency never contacted me via phone call or letter stating this debt was outstanding and would be reported to the credit reporting agencies. It is now reporting as an open collection on my XXXX credit report as of XX/XX/2016, Because this company did not contact me within the 30 day reporting rules, thus giving me a chance to respond before it was reported to the credit agencies, causing my credit score to drop my credit score XXXX points which now disqualifies me to get a home loan.
Complaint sub-issue: Information belongs to someone else

There are 3 accounts on my credit report that are not mine I have tried contacting the bureaus and they are giving me the run around and not answering anything. This is clearly identity theft and I need these off my credit asap. There are also 4 inquiries that are appearing that are not mine please help me out by removing these it si not fair for me to go thru this monthly with the bureaus for these accounts and inquiries. 

XXXX - Acct # XXXX XXXX {$0.00} XXXX XXXX  XXXX - Acct # XXXX XXXX {$0.00} XXXX XXXX - XXXX XXXX  XXXX - Acct #? Amt {$0.00} INQUIRIES XXXX XXXX XXXX - Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX XXXXXX/XX/XXXX - Inquiry date : XX/XX/XXXX
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XXXX 2021 my Best Buy card was used by someone who we dont know Best Buy online account for purchase for {$840.00} and order was shipped to different state we dont live or have anyone we know this order was ordered on my sons name I and my family we live in California and all previous purchases was orders and delivered ONLY in California we never lived in any other states ONLY IN CALIFORNIA this purchase was delivered to state of Illinois my son is XXXX years old born and lives with me in CAand he is my dependent and he doesnt have any access to my online account this purchase was made over night of times difference I found out about my account was used by Best Buy email Thank you for your purchase on XX/XX/2021 at XXXX XXXX my California timeI called Best Buy credit card right away and reported the problem explaining what did happened do my online account was used, despite claims were opened and after all I received letter from Best Buy Security Operations on XXXX letting me know so I am responsible for this charges, same time second issue happened with my account from Best Buy, I order a XXXX XXXX for my mother I made that purchase on Best Buy online account on XXXX XXXX on XXXX XXXX I received email same day and same time when I received email about {$840.00} email said my tablet was delivered and after all we never received a XXXX XXXX so second I opened two despute claims for {$840.00} what I didnt purchased and Tablet cost is {$100.00} what I never received after all letter what I received stating I am responsible for the payment of {$950.00} I am not paying a XXXX for what I didnt purchased and didnt received, also I have unauthorized VISA CARD witch is not my Visa card on my Best Buy online account on MY TOTAL TECH SUPPORT account this Visa card ending in XXXX NOT MY CARD ON MY ACCOUNT I dont know who this card belongs to so my Best Buy online account was used by someone one and I want that person be found and be punished charges for {$950.00} I am not responsible for this charges are not mine Thank you!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 



XXXX XXXX XXXX # : XXXX, XXXX XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, have 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 an 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: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1400.00}, {$3000.00}, {$14000.00}, {$2600.00}, {$12000.00}, {$10000.00}, {$6000.00}, {$5900.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 

2. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

7. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 


-- PERSONAL ACCOUNT 8. XXXX  XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account.
Complaint sub-issue: Their investigation did not fix an error on your report

I recently submitted correspondence to all three credit bureaus regarding my identity being compromised with identity stolen an as a result multiple accounts, addresses, and inaccurate bankruptcy have been opened or established in my name without prior consent or knowledge. I completed affidavit report # XXXX through the Federal Trade Commission which is considered a legal document THAT INCLUDED SPECIFIC ACCOUNTS ( XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX XXXX  ) Since XXXX, XXXX, OR EQUIFAX HAS NOT RESPONDED WITH ANY CORRESPONDCE PROVIDING ACCURATE VERIFICATION OBLIGATING ME TO THESE FRAUDULENT ACCOUNTS THAT WERE OPENED FROM IDENTITY THEFT. IN ADDITON SEVERAL OF THE COLLECTORS ACTING ON BEHALF OF THESE FRAUDULENT ACCOUNTS HAVE NEVER EVEN SENT ANY INTIAL 5 DAY NOTICE OF OBTAINING A THE FRAUDULENT DEBT THAT THEY CLAIM I OWE VIOLATING THE FAIR DEBT COLLECTION PRACTICE ACT ALSO ATTEMPTING TO COLLECT ON A FRAUDUELNT ACCOUNT AFTER BEING NOTIFIED BY A CONSUMER REPORTING AGENCY ( XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, AND XXXX XXXX ARE ALL IN VIOLATION. XXXX, XXXX, & EQUIFAX FAILED TO BLOCK FRAUD RELATED ACCOUNTS WITHIN 4 DAYS OF BEING NOTIFED BY A CONSMER AND HAS FAILED TO PROVIDE ANY VERIFICATION PERIOD AND IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT SECTION 605B NOT TO MENTION A DELIBERATE REFUSAL TO REMOVE MY FRAUDULENT ADDRESSES THAT WAS REQUESTED ON MY INITIAL REQUEST. I DONT WANT TO HEAR AN EXCUSE SAYING YOU WILL CONTACT THE DATA FURNISHER FOR VERIFICATION. YOU HAVE HAD MORE THAN THE 30 DAY TIME FRAME ALLOTED FOR TO DO SO AND NOW YOU MUST COMPLY WITH THE FAIR CREDIT REPORTING ACT OR FACE LITIGATION!!
Complaint sub-issue: Not given enough info to verify debt

I was notified by the payroll dept that my wages were going to be garnished regarding a filed judgement. After contacting the representative of the creditor, we agreed on a lump sum plus monthly payments. I never knew that I had a court date for this matter, so I asked for all documentation. He could not supply me with that, and advised me to get that from the court. However, I also asked to receive written notification of our agreement, as well as written monthly statements showing payments and current balances. The legal clerk said that that could not be provided, although if I paid over the phone by electronic check I could get balances each time. I was also not notified of the date of the last payment on the card, which was approximately in 2005. I am now aware of statute of limitations in collection matters. As a debtor, I have rights as well, and I believe that I am entitled to receive the written documents that I have requested. I was a paralegal for 12 years, and did the billing for my department. We represented banks and credit agencies, and we sent monthly statements to debtors paying on collections. If I am paying this large amount of money, I would like to see monthly statements.
Complaint sub-issue: Debt was paid

XXXX XXXX sold my settled debt to a debt collection company after I had already settled and paid for my debt. The settlement and payment was for the amount of {$5800.00}, and the terms were agreed to on XX/XX/2020. I have contacted XXXX XXXX multiple times for them to resolve this error. XXXX XXXX insists that they were allowed to sell my debt even though I had already settled and paid. When I contacted the debt collections company, Jefferson Capital Systems, I am told I must have XXXX XXXX resolve this error. 

XXXX XXXX is refusing to resolve this error is selling my settled and paid debt to Jefferson Capital Systems. XXXX XXXX is refusing to refund me for the debt settlement payment that I have already made.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

Representative was rude used abusive language to the receptionist, Over talked the receptionist and myself was rude and unprofessional. I told the representative on the line that i revoke their permission to contact me at any listed number. She said she didn't care and continued to harass me over the phone. I asked her not to call again. She claimed it was a recorded line. I said all of this on the recording. This occured on XX/XX/2019 between XXXX - XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

I applied for a loan at XXXX XXXX XXXX XX/XX/20 and I was not approved because apparently there are 4 accounts in negative standing appearing on my credit as well as over twenty inquiries. The accounts are from XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX-XXXX and XXXX XXXX  ; The inquiries are from several different companies that I have listed on this report. None of those accounts or inquiries belong to me and I did not allow anyone to open these accounts or make these inquiries on my behalf. I filed a XXXX XXXX Police report and got in touch with all of the companies. I did not benefit anything at all from these accounts/inquiries that were opened and made in my name without my permission.
Complaint sub-issue: Information belongs to someone else

There are accounts and addresses on my credit that do not belong to me. Please remove them. Thank you.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance Owed : {$14000.00} XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance Owed : {$250.00}
Complaint sub-issue: Information belongs to someone else

I've recently been in contact with the credit bureaus over the past couple of months due to accounts appearing on my credit report that I never opened or received any goods or services on behalf of. Even though this has been a ongoing dispute I've noticed yet another clear violation of the Fair Debt Collection Practice Act being permitted by I C System whom has violated section 1692e 8 ( Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed ) I C Systems has failed to mark this debt or account has disputed which is automatic grounds for removal of this account from credit report. I will included supporting documentation along with this claim.
Complaint sub-issue: Account status incorrect

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 XX/XX/2021, 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 proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX  XXXX Inquiry : XXXX. XXXX, 2021 XXXX  XXXX Inquiry : XXXX. XXXX, 2021
Complaint sub-issue: Debt was result of identity theft

CRA violation. I have no knowledge of the fraudulent accounts that appeared on my credit report. My FTC ID Theft Report Number is XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/2022 I went to my courthouse to ask if they report bankruptcies to the credit bureaus. They gave me a letter stating They do not report any bankruptcies to anyone. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to 15 USC 1681.

The credit bureaus violated my given rights under 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consum
ers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

According to : 15 U.S.C 1681 section 602 A ( 4 ). I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A ( 2 ) : A consumer reporting agency can not furnish an account without my written instructions.

According to : 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.