Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Company closed your account

US Bank closed my us bank altitude reserve card on XXXX XXXX, 2017 without notifying me. I did not found out till a couple days later when I tried to use this card for online purchase. I received an mail on XXXX XXXX, 2017, saying my card has been cancelled because I purchased gift card using altitude reserve card, and my points have also been forfeited.
US Bank is ridiculous to do this. I called them but they were not willing to help. This is really the worse experience ever, and US bank is indeed the worst bank ever.
Complaint sub-issue: Frequent or repeated calls

Amscot Corporation says I owe {$500.00} on a money order from XXXX XXXX given to me by someone who owed me money. I cashed a {$200.00} Money Order which was fine and then q {$500.00} MONEY Order as well both from XXXX. I'm not responsible for a Money Order that didn't process. I'm a XXXX year old widow with XXXX and I'm barely surviving. I need these people to stop calling me every single day and night.
Complaint sub-issue: Their investigation did not fix an error on your report

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00}
Complaint sub-issue: Received bad information about your loan

I am currently enrolled in college and my servicer is telling me that my payments are past due, with no grace period, or time to finish school. Theyre trying to say that Im past due, but I am still enrolled in school until XX/XX/XXXX!
Complaint sub-issue: Reporting company used your report improperly

I am filing a CFPB complaint against Equifax regarding the XXXX XXXX, 2017 loss of consumer data in which I have been identified as a potential victim.
Complaint sub-issue: Investigation took more than 30 days

I Hired XXXX XXXX XXXX to help with my credit, My mother was diagnosed with XXXX and I am responsible for her financially. I have confirmed with the company that they have disputed the amounts of {$620.00} XXXX for a total of {$1800.00} from XXXX XXXX XXXX XXXX XXXX XXXX On Monday, XX/XX/XXXX a letter was sent asking for validation of the debt. No response. I then sent letters to EQUIFAX on XX/XX/XXXX and XX/XX/XXXX asking for validation. No response until I sent a fax on XX/XX/XXXX. Now you updated my report as being reinvestigated. <P/>Under the FDCPA LAW, According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30  days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. <P/>At this point its a matter of life or death my mother is the advanced stages of XXXX and this incorrect information being reported to my CR is hurting my family. please remove.
Complaint sub-issue: Threatened or suggested your credit would be damaged

ESO CCA added a old bill to my XXXX Report that was more than 7 years old and report it as new and recently open. It was removed from other 2 credit agencies but XXXX won't remove after dispute. Is it not illegal to recycle old debts as new and credit agencies allow it?
Complaint sub-issue: Information belongs to someone else

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Account status incorrect

I disputed errors on my credit reports in XX/XX/2020. I sent letters explaining the errors to XX/XX/XXXX, equifax, and XX/XX/XXXX. I have not gotten a response in over 30 days from either company. I am aware that under the fair credit reporting act that these companies have 30 days from the date they receive my dispute to validate any inaccuracies on my credit reports. These unverified accounts are preventing me from funding that would help my business prosper.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Complaint sub-issue: Not given enough info to verify debt

Hunter Warfield has refused to validate the debt on XXXX occasions, verbally in XX/XX/XXXX when they called me. They then called my brother and mother and disclosed it was for debt collection purposes, in XX/XX/XXXX when I sent a Do Not Call letter and a request for debt validation and in XX/XX/XXXX when I submitted another request for debt validation. Additionally, Hunter Warfield reports different amounts to the different credit reporting agencies.
Complaint sub-issue: Problem during payment process

Sears/CBNA ( Citibank ) refuses to provide a payoff balance to my mortgage company so I can pay off the credit card with a refinance. They claim it's against federal law to do so.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent letters to XXXX, Equifax and XXXX regarding having wrong addresses, Inquiries and open accounts on my credit report. I also sent my ID and Utility bill. 
XXXX. 

I heard back from XXXX  on XXXX. They said I did not send in my ID or anything else to show my address. 

I have not heard from Equifax or XXXX  about my requests.
Complaint sub-issue: Information belongs to someone else

REQUESTING REMOVAL OF ALL INACCURATE INFORMATION LISTED IN MY CREDIT REPORT BY THE CREDIT REPORTING AGENCIES, WHICH ARE A VIOLATION OF THE PRIVACY AND IDENTITY THEFT.
Complaint sub-issue: Reporting company used your report improperly

I have communicated over a period of XXXX year with the credit reporting company that : The DEBTS shown are not mine and submitted the COURT DOCUMENTS indicating that the DEBT is not mine and they still have not removed the items. 
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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Information belongs to someone else

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Complaint sub-issue: Information belongs to someone else

To whom it may concern, I noticed a few errors on my credit report on XX/XX/2021 and wanted to fix this up as I am trying to get my credit to be accurate. I have a closed account with XXXX XXXX XXXX I recently paid them {$200.00} to settle which is what the customer service rep told me would be removed. I called them on XX/XX/2021 to ask why it is still hasn't been removed and they were asking me for more money. I feel misled by there company and that I no longer owe them due to agreement made they made. I also have a closed account with XXXX  department store card which to my knowledge was settled a long time ago so unsure why that is still on there. Lastly XXXXXXXX XXXX is coming after me with harassing phone calls. I have no knowledge of what they they are talking about or authorized anything by them. I am looking for all 3 of this inaccurate information to removed from my credit profile.
Complaint sub-issue: Problem getting my free annual report

I am a XXXX year old XXXX XXXX XXXX veteran. I applied for my annual free credit report and was DENIED. I was asked questions about a financial situations that occurred XX/XX/XXXX and XX/XX/XXXX. I have XXXX credit card, XXXX XXXX, and XXXX Mortgage, XXXX. I CAN NOT answer questions about changes or whatever that happened over a decade ago. Equifax needs to mail me a copy of my credit report immediately. I will NOT send copies of my passport or other vital id papers to this predator. My bank recently sent me a list of XXXX things that lenders look at, one really jumped out at me. Thou must have more than one type of credit i.e. a credit card, and a auto loan. Is this what is being held against the citizens of the United States. I only have a credit card and a mortgage. The mortgage will be done soon. So I will only have a credit card.
Complaint sub-issue: Information belongs to someone else

The following account sent in attachemnt is not ours, I had an HomeDepot account in XXXX and paid it off and then they back charged me interest and I had to fight for them to fix it. I would never open another account with Home Depot so I know for a fact this is not ours and in XXXX we sold our house so there is no reason in XXXX we would need anything from home depot. I called the number and they have no account on record for either me or my wife.
Complaint sub-issue: Debt is not yours

Receive on average two calls per day asking if I am -some person 's name- and if so press! otherwise I am to ignore call. The name changes on each call and is never mine. This has been going on for several months now. My phone number has been on the national do not call list since XX/XX/2018. I have no debts except my mortgage which has never had a late payment.
Complaint sub-issue: Problem making or receiving payments

On XX/XX/2019 we initially send out 3 payments using PNC Banks Virtual Wallet online Billpay. There was a mix up where we submitted the payments from the incorrect account and so all 3 payments ( for {$3100.00}, {$200.00} and {$150.00} respectively ) were returned. I called their phone channel and spoke an agent who understood and help me out with the initial return fees. He however failed to disclose that the payment would be automatically resubmitted by PNC Bank after I asked if the returns were final. On XX/XX/XXXX I checked my accounts and they were debited a combined {$6600.00}. I resubmitted my mortgage payment separately because I was told that once the payments were returned, that would be the end of it. I called PNC Banks phone channel and was told that there was nothing that could be done until the charges posted even though the payments were resubmitted without my authorization. I contacted PNC Bank once again today and the agent I spoke to told me that there was nothing they could do about the fees and that I was at fault for not manually canceling the payments even though I was never told that I had to do at. Even after I explicitly asked about the returns being finalized. When I contacted PNC Bank the third time I was kept on hold until I had to go into work. I also tried to cancel the payments so that it would not be retried a third time and found that there way not option to do so. 

This is not my first issue with PNC Banks online billpay either, twice previously I submitted a payment for {$50.00} and instead a payment was submitted for {$500.00} exactly.
Complaint sub-issue: Personal information incorrect

They have refused to correct my information on all bureaus and in fact merging my consumer with report with similar names and my name is very unique and is not relatable in anyway, PURSUANT TO 15 U.S. Code 1681 - Congressional findings and statement of purpose- ( a ) Accuracy and fairness of credit reporting. 

1. My Accurate legal full name is exactly : XXXX XXXX XXXX. 
I do NOT want any name other than what I listed above to be retained or reported. 
Please delete any other names the ones listed below that infringes on my consumer rights OR provide evidentiary PROOF the legal right to retain such information below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My Accurate complete mailing address is : XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX Please delete any other addresses and the ones listed below that infringes on my consumer rights OR provide evidentiary PROOF the legal right to retain such information. 
XXXX118 WHITE TRXXXX XXXX XXXX, FL XXXX Address ID : XXXX Report number:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Address ID : XXXX Report number : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX Address ID : XXXX Report number : XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Address ID : XXXX Report number : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX Address ID : XXXX Report number : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Address ID : XXXX Report number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Address ID : XXXX THERE SHOULD BE NO OTHER ADDRESS RETAINED ON MY REPORT! 
3. My Accurate Full Date of Birth is XXXX If any other date of birth is listed other than what was typed above was NOT provided by me and should NOT be retained or reported. If any other date of birth is listed, please delete at once or provide evidentiary PROOF the legal right to retain such information
Complaint sub-issue: Information belongs to someone else

I found out my identity had been compromised because my wallet was stolen from the movie theater. I didnt take the proper measures afterward. I just got a duplicate drivers license and a copy of my social security. Several years later Im receiving letter after letters of several unpaid accounts that I have never opened. I then started to investigate and pulled my credit to check what all had been open. There are way too many fraudulent accounts open that I am not familiar with. These accounts are not mine. Please remove. XXXX XXXX {$2300.00} XXXX XXXX  XXXX {$0.00} XXXX   XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$40000.00} XXXX XXXX XXXX {$4000.00} XXXX XXXX {$420.00} XXXX  XXXX {$840.00} XXXX   XXXX {$0.00} XXXX  XXXX {$3500.00} XXXX XXXX {$6700.00} XXXX  XXXX {$2600.00}
Complaint sub-issue: Debt is not yours

Never have been to Texas XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

I did not consent to or benefit from the following information : XXXX, Equifax, & XXXX listed on my consumer report, block or remove the following account XXXX  XXXX, Under 15 U.S. Code 1681 a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation, any credit transaction is supposed to be excluded from a consumer credit report, if a social security card was used in the transaction. Additionally, under 15 U.S Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report and no consent is FRAUD! If the account is investigated and your results comeback as verified or accurate, understand that under the exclusion section youre not supposed to include factual information and theyre supposed to interview my neighbors, friends, or associates. If the account is not removed you are civilly liable for reporting the information and its also inaccurate.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hello, I am sorry I had to come to this point, but I have been disputing inquiries with Equifax for some time now from companies that I never authorized to use my information. What is killing me now is their website is telling me that my information was compromised in their data breach and I 'm devastated because I have been telling them forever that there is a bunch of inquiries that I did not authorize anyone to do. A few months ago I had got a email notification from a monitoring service that I use that someone has logged in my account which was not myself or my wife because we were together. I hurried up and change the passwords to all of our accounts immediately. It 's so scary not knowing who has my info and is using my info to try to get themselves a car and cell phones and I guess what seems to be a new mortgage. 
*XXXX XXXX Inquiry from XX/XX/XXXX *XXXX Inquiry from XX/XX/XXXX *XXXX XXXX Inquiry from XX/XX/XXXX *XXXX Inquiry from XX/XX/XXXX *XXXX XXXX Inquiry from XX/XX/XXXX *XXXX XXXX Inquiry from XX/XX/XXXX *XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX *XXXX XXXX Inquiry from XX/XX/XXXX *XXXX XXXX XXXX XXXX XXXX
Inquiry from XX/XX/XXXX XXXX- Removed all but one of the inquiries that I did not authorize.
*XXXX XXXX Inquiry from XX/XX/XXXX
Complaint sub-issue: Public record information inaccurate

There is a bankruptcy on my credit report on all three bureaus and this is not mine I have been disputing this since XX/XX/2020 with the bureaus and the courts the courts have tolkd me that they can not verify these thru the courts they are verifying by public record!!! 

Account Name : US BKPT CT CA XXXX XXXX Account Number : XXXX Reason : This is not my account
Complaint sub-issue: Billing problem

I have attempted to obtain an understanding of the delinquent balance I owe, concerning my vehicle loan with US Bank, however, have had difficulty obtaining a clear distinction. I emailed US Bank requesting a complete payment history effective with the date I obtain the vehicle loan, as well as, an explanation as to how my payments have applied. The response I received was partially helpful, as the representative attempted to explain to me, when my grace period was, and the amount of the late charge I would receive if the payment is not remitted by the date due. I however did not receive a copy of my payment history to assess the application of my funds. When I responded, advising that the email did not convey any information I did n't already know, I requested supporting documentation to validate that fee 's are applied prior to the application of my payments towards P & I. Again, I received a reply which did not provide me a copy of my payment history, rather I was advised I would be charged a {$25.00} fee to obtain a complete copy of my payment history. This is absurd to charge a consumer {$25.00} for a copy of there payment history when I am making an effort to understand the balance I owe, and resolve my delinquency.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX to fraud had an XXXX ACCOUNT opened in my name. After i closed my 1st account I made a payment before it went to collections. I provided proof of fraud activity of the 2nd account because it was NOT mine. I sent documents of me reaching out to the Credit Bureaus, XXXX and XXXX XXXX. XXXX   XXXX  removed the collection since I shown proof the account was NOT mine. I provided the Credit bureaus proof of the removal and XXXX, XXXX & Equifax removed the collection. A month later XXXX added the account back on my report with out prior notification. They just keep saying account verified. But they only provided a bill NOT a contract, or any letter stating that they will be adding the fraud account back on my report. The total amount of the collection is {$560.00} from 2015. I have sent numerous letters and made numerous calls to all 3 places, XXXX, Equifax and XXXX this is a direct violation of FCRA and it needs to be removed as soon as possible. Thanks in advance.
Complaint sub-issue: Account information incorrect

I opened a XXXX XXXX credit card in XX/XX/XXXX and always paid in full every month. My balance was zero an XX/XX/XXXX and again on XX/XX/XXXX when I closed the card because I didn't use it enough to be worth the annual fee. I received a call last week from XXXX stating that my payment was 57 days past due and I asked how could that be if I closed the account months ago with a zero balance. They stated that a charge was allowed in XXXX of XXXX XXXX months after the account was closed. I have since disputed this charge twice, but have failed to get it removed from my credit report and I am still incurring late charges on a fraudulent charge. I do not receive a paper bill or have access to this account through the app since it has been closed for many months.
Complaint sub-issue: Didn't receive advertised or promotional terms

Hello, I read US Bank advertisement on a websites regarding its XXXX Olympic promotion which ran fromXX/XX/XXXXto XX/XX/XXXX. 
It promised to give additional bonus points to new card holders depending on number of Gold, Silver, and Bronze medals of XXXX XXXX on XX/XX/XXXX Olympic. 
Each Gold Medal = XXXX points Each Silver Medal = XXXX points Each Bronze Medal = XXXX points I applied to this offer and got approved on XX/XX/XXXX. 
But US Bank refused me the Olympic bonus points because I applied using " third party website '' and not flexperks.com that is owned by US Bank. 
But any " third party website '' will link to XXXX where US Bank got my application and subsequently approved it. 
If " third party website '', like XXXX, did not facilitate nobody will know about XXXX, US Bank, or its products. 
The XXXX advertisements are still there. 
You can see them live on XXXX XXXX XXXXusbank/ for both dates XX/XX/XXXX and XX/XX/XXXX. Just scroll to these dates. 

I attached screenshots of this pages. 

I see actions of US Bank as False Advertisement and would like to get US Bank reprimanded. 

Thank you. 

XXXX XXXX
Complaint sub-issue: Public record

Equifax refuses to remove an invalid judgment on my file. I have gone to the courthouse, and they have no docket on file under my name, and they said they would not have been able to verify a judgement with a credit reporting agency, as their is NO DOCKET on file, or recorded judgement for my name. The judgement is not on any other agency report, only Equifax. I have disputed this twice with Equifax. I have asked them their method of verification. They refuse to remove it, and have offered no method of verification. This needs to be removed from my credit report.