Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

I have uploaded the document from XXXX  as it does not pertain to me as they are looking for information from the decedent, the all cap name listed on the debtor document. I do not have any credit reports and did not consent to any, if they are reports they are total fraud and proof of that is the second document uploaded showing me, the true creditor before anything is contracted. Everything is commerce the all cap name that XXXX is looking for is XXXX XXXX also called XXXX XXXX XXXX, " XXXX, '' is the ALL CAPS language used by various courts and governments to steal the identity of any sovereign man. Find XXXX XXXX explained in the Article : XXXX XXXX XXXX XXXX   XXXX : Sixteenth Edition : Foreign Languages. You find this counterfeit immoral language of Symbols on a driver 's license, court documents, passports, etc. You can look at XXXX XXXX dictionary 4th edition. 

The XXXX text is found on the tombstones of a grave. XXXX XXXX is the engraved image on the tomb, the written text of the dead. It is debased XXXX, appearing as a written sign language without the hyphens. Written Sign, subject to the grammatical rules of XXXX, appears in ALL UPPERCASE TEXT LIKE THIS. 

There are three languages, one for the debtor, one for the creditor and one for the administrator .... Even though I used to assume that I can read all three, they are totally three separate languages and have no jurisdiction with each other unless I " consent ' ... but my past consent comes with ignorance of the difference between such three languages and assume them to be one language, it's all a big fat lie. 

XXXX keeps pushing the fact that if I would like my personal credit report that I would need to call and request it from them. How can I call when I do not have any credit reports when the legal name shown on the document is a corporation that is used by the government.
Complaint sub-issue: Card opened as result of identity theft or fraud

I had received a letter in the mail from US Bank.The letter stated that an application for a credit card using my personal information was received on XX/XX/19.The address on the application was NOT the correct mailing address that I currently use.I tried using the verification number to call and find out what was going on and after being on held for fifteen minutes gave up.I filed a report with my local police department but also want to file a complaint with the proper governmental agency that handles such complaints
Complaint sub-issue: Information belongs to someone else

The following account was disputed and taken off my credit report due to the fact that it was fraudulent. XXXX sold the account after it was deleted in XXXX to XXXX XXXX and I am requesting that it is deleted permanently from the credit report and not to appear again. There are also inquiries the were not initiated by me that are stated in the police and the FTC report that needs to be removed. It has been well over 5 days and yet the negative and erroneous information is still reporting this has caused me to be denied credit as well as impact my way of living. I am requesting that the bureaus follow the FCRA law 605B and remove these items listed immediately otherwise I will seek litigation. Thank you!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX  # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX  # XXXX, has violated my rights. 
XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX ( Original Creditor : XXXX XXXX ) has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

In accordance with fair credit reporting act accounts ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.SC 1681 section 602 A, states l have the right to privacy.

15 U.SC 1681 section 604 A section 2. It also states a consumer reporting agency can not an account without my written instructions
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Date XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I was sued in court for an collection account. I have court documents that I do not owe the debt. the credit bureau will not remove it from my credit report.
Complaint sub-issue: Company closed your account

Hello,

Thank for your time.  On Friday XX/XX/XXXX attempts to transfer funds to two of three accounts held at Etrade Bank.  Upn not being able to transfer funds either by ACH (check) or Direct Deposit i phoned customer service.  The rep stated the accounts were in the process of being closed and refused to provide any explanation for the closures, and also wouldn't provide a supervisor whom could more insightful explanation of the situation.

With phone calls to the customer service dept. who refused to provide  any explanation or answers as to why the company abruptly closed and blocked the accounts I found the accounts open online through the online banking site end of the company.

From the Online banking site, a request as follows:

START----------->
Sent: XX/XX/XXXX XXXX XXXX
Reference Number: XXXX

Customer Service Message:


Dear XXXX XXXX,

Thank you for your message regarding your account.

At this time E*TRADE has chosen to no longer do business with you because there has been abuse of this account and known fraud. As a result this account will be closed. 

Should you have additional questions, please feel free to respond to this message or contact our Customer Service team at XXXX (+XXXX XXXX). Our representatives are available 24 hours a day, seven days a week.

Sincerely,

XXXX XXXX
Sunday - Wednesday XXXX - XXXX ET
XXXX (XXXX)
Associate Financial Services Representative
E*TRADE Securities LLC
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

XX/XX/XXXX, I made a purchase from XXXX using their automated telephone service. They added on multiiple fees that were not upfront so when i finalized the transaction it was much more money that I had intended to spend, the total amount was {$430.00}. Immediately after, I called back and requested to cancel the transaction. I was told by the representative that I could not cancel. I then immediately called my credit card company ( Citi Cards ) and told them I wanted the transaction cancelled, no merchandise or services were exchanged. The Citi representative told me I had to wait for the transaction to 'post ' before they would dispute my charges. On XX/XX/XXXX the charge finally posted and I opened up the dispute. XX/XX/XXXX I got an email that the dispute was resolved but no information was posted to my account, i had to wait until XX/XX/XXXX at which time I was informed that they found in favor of the merchant XXXX. In their statement, XXXX alleges that I was informed of their non-return/cancellation policy but in fact i was not provided that information at the time of purchase. I only found out about it when they submitted it as a defense. I sent Citi Cards a page from my mobile account showing the phone call log where i attempted to cancel the transaction and then immediatly called Citi Cards. Citi told me that was not enough evidence and XXXX refused to cancel, they threatened that if i called my credit card company to cancel the transaction that i would never be allowed to use their services again, at which i responded that i didn't care about ever using them again. XX/XX/XXXX, i got an email from XXXX, it says that the 'seller ' has not received the tickets and therefore can't give them to XXXX to give to me. So two things, firstly, XXXX is selling merchandise/service for something that they DONT HAVE, they are selling something that the seller doesn't even have! Secondly, this is in fact ticket scalping and ticket gouging, getting tickets and reselling for prices far beyond their actual value. I submitted this new information on to Citi Cards and they still will not protect my purchase and cancel the transaction. I was charged {$430.00} for two tickets, on XXXX you they are selling for {$100.00} each. They charged more than double the price and they are not premium seats.
Complaint sub-issue: Debt was result of identity theft

On XX/XX/XXXX I tried opening a new checking and savings account with XXXX XXXX XXXX and was denied due to overdraft fee 's in the amount of {$460.00} at Key Bank back on XX/XX/XXXX. At this point in time I had my identity stolen and had to dispute an account being opened using my identity with XXXX earlier this year. The bank sided with me and stated that I was a victim of identity theft and therefore was not responsible for the amount owed on that account. I have never been a member with Key Bank and believe this has to do with the same person that stole my identity.
Complaint sub-issue: Problem lowering your monthly payments

The beginning loan origination date was in XX/XX/XXXXwhen I first decided, as a XXXX year old, to go to college. 
This college career, as a professional student, finally ended with my completion of a XXXX in XXXX in XX/XX/XXXX. Yes it took me 20 years. 

In addition, prior to that I was 3 credit hours away from completing a XXXX XXXX at the University at XXXX in XX/XX/XXXX. I was in a messy divorce and having medical issues and I did not complete the program. Four years later, I went back to get back into class, and XXXX stated that the program I was in XXXX, no longer existed. Essentially I was swept under the carpet and told that it might be better for me to check with other schools for a new program. They reassured me that my XXXX grad credit hours would certainly transfer over into another XXXX   degree. Thats how I ended up with the XXXX XXXX XXXX in XX/XX/XXXX from XXXX College in XXXX NY. XXXX ended up telling me they would transfer over many of my XXXX credit hours. This did not happen-either. In the end, they only accepted 1 class and transferred it over. 

Nonetheless, I have been very fortunate to land a XXXX job and I love it! 

Unfortunately, my student loan debt is crushing. 

I have called XXXX and asked for a itemized bill but they say my record only dates back to XX/XX/XXXX. What???? This loan has been passed around by the federal government since its origination in XX/XX/XXXX and they have no record of it before XX/XX/XXXX? This loan has been flipped from XXXX, to XXXX, to XXXX XXXX, to XXXX, to XXXX ... ..and when I call to see what can be done when I am unable to make a payment, they change the status of loan, so that my 10 year repayment and loan forgiveness for XXXX STARTS ALL OVER AGAIN. 
This loan is 32 years old. I am XXXX. 

The interest that accumulates on this loan is XXXX per month. I have a loan of almost 400,000.00 and XXXX is in interest alone. 

My question is how can I get the federal government to provide me with an itemized bill of this supposed money they say I owe them. I dont think this is a unreasonable request. 
Also, why does the federal government loan young people, who are uneducated, a lot of money when more than likely they have no clue about financial issues. 

I didnt and only recently ... have begun to understand concepts involving interest rates and principles ....
Complaint sub-issue: Attempted to collect wrong amount

XXXX XXXX XXXX is the collection agency the original creditor is spot loans. I took the loan out for XXXX dollars and XXXX  XXXX XXXX is reporting that I owe over 2000 dollars. My second complaint Is that I took the loan out 6 years ago so the reporting on that was inaccurate also.
Complaint sub-issue: Investigation took more than 30 days

Hello, ive recently disputed multiple inaccurate items by mail around XX/XX/2021 it has been well over 30 days and has yet to receive any type of notifications .You have fail to comment and failed to reply back with investigation results.Both being under violation which means you must delete all accounts from my report. 

XXXX XXXX XXXX  XXXX late payment Please remove from my report XXXX  XXXX XX/XX/XXXX late payment Please remove from report XXXX Please remove from my report XXXX XXXXXXXX XXXX please remove from my report XXXX XXXX  Please remove from my report XXXX of XXXX Please remove from my report
Complaint sub-issue: Problem getting your free annual credit report

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX
Complaint sub-issue: Banking errors

Since the pandemic started we have been living paycheck to paycheck. We never asked the bank for help as we were able to nearly get by till our next paycheck. However in XXXX the bank started putting {$1100.00} in our account and calling it a temporary XXXX relief credit. We never asked for it or agreed to it. But we didn't know this was happening until we got a letter from the bank stating they were ending the relief credit. I checked the account and saw this had been going on for almost 3 months. The letter explained they did this to help people with a negative balance in their account to get their full stimulus check. We didn't get the letter or know this was going on till I got paid from work and noticed i only had a couple of XXXX in my account when there should have been at least a {$1000.00}. That morning is when we got the letter and already spent our stimulus money. While this was happening but didn't know anything about this till after we had drained our account to only a couple XXXX left. After they took the {$1100.00} back out of our account, our account don't show these credits and caused our account to become seriously overdrawn. It also caused our house payment to bounce and incur a large amount of late fees. Now our account and all our bills are incurring late fees and large amounts of overdraft fees. I personally talked to XXXX members of the bank to try and get help and one did stated they did this to help and also stated others had the same thing happen to their account. All this should not of happened without anyone knowing what was going on till the last minute. I should have been given an option to opt in or out of the temporary credit or at least been notified before they took it upon themselves to try and help.
Complaint sub-issue: Their investigation did not fix an error on your report

I called XX/XX/XXXX to get my lost card .However, I talked to supervisor who decided they would help me with the removals of the late payments as we were talking she agreed to remove late payments of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

We talked about our kids our relationship with credit improvement and other potential good things coming up in our life XXXXShe told me she would transfer me to department to get them removed. 

She even told me it help boost my scores once they removed them. 
She told all they do was remove the late payments. Then once I transfer I told another story. 

Again I wasn't calling about late payments this agent wanted to help and told me they remove them. I was very upset I stayed on the phone with them for 3 hours got transfer 4 times and no results as promised. Then another supervisor told me file a complaint against the company so I am doing so now he said if I was his family member he file a dispute against them.
Complaint sub-issue: Information belongs to someone else

I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. XXXX XXXX XXXX $ XXXX XXXX XXXX {$280.00}
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent out 609 letters to all three credit bureau in request to investigate, validate, and remove the accounts in dispute ( see later ). In doing so, I requested a report with in 30 days due to federal law and have not received any response from either credit bureau. My inability to be able to obtain credit has altered my life. i am not able to get a car in my name, a home for myself or maybe even help starting my XXXX  to better my lifestyle due to the reports to my credit. I have attached all three copies of my 609 letter 's to show proof of contacting each party. I wished not to go to these measures however it was necessary. because i am struggling to build credit and can not be approved for any credit building cards or opportunities. All company information involved ( see attachments ).
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and updated from erroneous reporting in my file are listed on my credit report. 
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: Information belongs to someone else

I have a hard inquiry that is fraudulent and I would like it to be removed from my credit report. The inquiry is dated XXXX and it is from Equifax Mtg.
Complaint sub-issue: Deposits and withdrawals

On XX/XX/2022, I discovered I could not access my Citibank XXXX XXXX account- which had over {$100000.00} on deposit. After numerous phone calls talking with various Citi representatives, the only information anyone would tell me was that Citi had put a lock on my account. No reason was ever given. 

This was the beginning of what became a long 3 month battle. Citi eventually mailed a check - 3 months later - returning this money they stole from me. 

During that time, I talked with countless Citi representatives- getting seemingly endless misleading false information, broken promises, and outright lies. The only consistent message I kept hearing was Citi arrogantly telling me they have the right to do anything they want with customer accounts. 

1 ) Why is Citi allowed to lock up, and essentially steal, a depositor 's money at any time, and for any length of time, and no apparent legitimate reason? 

2 ) Every Citi customer - current and future - needs to be warned that Citi can, and will, put a no-time-limit lock on their savings. 

3 ) Can anything be done to stop Citibank 's policy of mistreatment, abuse, and theft from the banking public?
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, a living human being.

I have rights under law 15 USC 1681, And they have violated my rights several times.

I demand the accounts listed below be removed because According to 15 USC 1681. I have the right to privacy and did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Non-sufficient funds and associated fees

On XX/XX/2021 my account became overdrafted with PNC Bank because a pre-authorized transaction came through and sent my account {$540.00} negative and the business won't stop the charge... I've recently been injured on the job and I have no steady income, so on XX/XX/2021, I asked PNC bank if they could revoke the pre authorization of this business until I can work out another arrangement because this over drafted account possibly won't be taken care of any time soon and I've had to do this before years ago because a business was continually trying to withdraw money from my account.PNC bank said that I would have to call the company because they can't do anything about it because it's already posted... In the past whenever this type of thing would happen, banks had no problem revoking the pre authorization but because I have had past direct deposits set up on my account, PNC Bank decided that they wouldn't revoke the authorization because they will just wait till deposits come in so that they can take everything that I have. It seems to me that banks are working for businesses instead of for their customers... Since when does a bank act as my mother and father to make sure that I pay my bills and then charge me tons of these fees which is the banks primary objective anyway to enrich themselves off the backs of the people ... I'm sure if I didn't have any direct deposit set up on my account they wouldn't have let this overdraft go through in the first place..These are typical banking tactics and this is why they pay these bank managers the big bucks because they identify which consumers they can squeeze the most out of as often as they can and like a snake they strike... .People in my age group are very often taken to the cleaners like this by banks because it works in favor of the banks to allow anything that they can make money on to stick... .Nevertheless, I will be closing this account as soon as I can get the overdraft taken care of and run like XXXX away from PNC and find another bank because as it turns out, PNC is not the bank for me...