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

I have yet to received your correspondence on this alleged account stating your ( verified or updated ) these accounts obviously you didnt give XXXX and did NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account from a Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word.
Complaint sub-issue: Their investigation did not fix an error on your report

To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing chargeoff/collection/late on XXXX/XXXX/XXXX. this account was open while being XXXX oversea. I am XXXX XXXX military and place for alert on my credit report to stop this type abuse from this company and I have ask this company to send me documents to show I open this account and sign for this account. Until this day they have not provide this information. I challenge the accuracy, compliance and reportability of this listing. Please validate this information with XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows :  XXXX XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action
Complaint sub-issue: Debt is not mine

FMS Collections is harassing XXXX of our deposit customers over a duplicated mobile deposit check item that had already cleared customer 's account. 
Our consumer paid a common laborer XXXX XXXX XXXX XXXX {$180.00} for labor. XXXX XXXX deposited this check by mobile deposit with another bank ( XXXX ). This item cleared consumer 's account at our bank. Later, XXXX carried the original check to XXXX and cashed it there. Our bank returned the check as a duplicate item. XXXX referred it to FMS Collections and who has been harassing XXXX XXXX. They refuse to talk with our bank with our consumer present to try and resolve the issue. Our consumer does not owe XXXX the money. XXXX does. XXXX has since been arrested and jailed on other financial crimes with other citizens and bank. Our consumer was unable to get any assistance with XXXX since XXXX is the party that has the original claim against our consumer. It is only {$180.00} but he should not have to pay the item since he does not owe nor should XXXX XXXX Bank have to pay it. Thanks
Complaint sub-issue: Account information incorrect

I owed a amount to XXXX and the debt was forgiven due to a total and permanent XXXX program. I have contacted them before and they stated they would remove the debt from the credit reports and I have a letter saying such but I have not seen a change in my report.
Complaint sub-issue: Funds not handled or disbursed as instructed

I have Opened citi checking account on XX/XX/2018 with a deposit of {$15000.00}. 
And I have kept the funds for more than 60 days and its been more than 90 days since i opened account and did not get the promotional bonus they promised
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified accounts indicated below, continue to report on my credit report despite several written requests, in violation of federal law. I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be updated ( 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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

I demand the following accounts be verified or removed immediately. 

Name of Account : Account Number : Provide Physical Proof of Verification XXXX XXXX I want the name, address, and telephone number of the person at the source you contacted and an affidavit under declaration of penalty of perjury from that individual, in other words a fact witness. The Method of Procedure as mandated by 15 USC section 1681 ( i ) ( 7 ) or FCRA section 611 ( a ) ( 7 ). I will expect you to complete your investigation within 30 calendar days from the date you received this dispute or the item being disputed will be unverifiable and subject to deletion. Please note that your Credit Reporting Agency is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on Abusive Acts or Practices. ( Section 1031 of the Dodd-Frank Act ) Thank You,
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is still reporting incorrect information. I have disputed this account several times. 
The account in question has been deleted from XXXX and XXXX. These deletions happened in XX/XX/2019. As a consumer, I honestly do not think Equifax is looking into the disputes, they are just marking the account as verified. This account has been closed more than 7 years. It is having a negative impact on my credit file. 

When I tried to verify this account mail came back undeliverable. The address for the company was updated and it was marked as verified. Since then, they have not actually looked at dispute. They are just marking it as verified. I also never received debt validation from XXXX XXXX because the address for XXXX XXXX was incorrect on my credit file.
Complaint sub-issue: Other problem

Discover card doesnt do anything when you purchase something and its defective and the seller or selling items that are defective
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 {$16000.00}, {$6200.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my account.
Complaint sub-issue: Banking errors

To Whom it May Concern, Im trying to report my credit card for unethical treatment re ; my last monthly bill. I recently charged a vacation for my wife and I on the card so it was somewhat larger than normal. I paid the sent statement in full, always have for life of card, and the credited a much smaller amount. As it turns out the extra interest was charged and I made a total of 5 calls to try to resolve.

The manager, XXXX< finally said a research dept will look into and get back to me on the XX/XX/XXXX of this month. In the meantime I asked for them to provide a copy of the check or documentation and was denied.

In this day of instant communication I find extremely poor customer satisfaction and dont know where to turn. My thoughts are if I have this poor experience other must have too.

They have admitted they read it wrong and research will be in touch. Can you help tell me how to fast track this issue??

Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX, Ma XXXX Cell ; XXXX XXXX XXXX Hme : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Can't close your account

I called Bank of the West on XX/XX/XXXX and messaged them through their XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XXXX, and XXXX. As of today they have not responded to my messages and refused to close my checking account.
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

I received a email out of the blue from Citi Card, stating that my credit card that I pay three weeks be for the due date every month and have never missed a payment, My account was XXXX and today they changed it to XXXX dollars, due to retaliation because I filed a complaint with CFBP last month in reference to them reporting false information in my credit report. There is no valid reason to do such an unlawful, unjustified and flat out discrimination act, and a law suit need to be brought against the company I am not the only person of XXXX that have been done like this I am attaching the email sent to me and my payments statements showing my on-time payments
Complaint sub-issue: Investigation took more than 30 days

Investigation took more than 30 days I am not liable for these debts that the bureaus are reporting and have disputed them and pointed out many FCRA violations. I also do not have a contract with any of these companies and I even asked them to validate the information and they were un able to do so.
Complaint sub-issue: Account information incorrect

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 ( a ) 3. XXXX, Equifax and XXXX assumed this role without permission not only that I never did give my consent. XXXX, Equifax and XXXX did not respect my right to privacy which is under 15 USC 1681 ( a ) 4. XXXX, Equifax and XXXX did not exercise grave responsibility, XXXX, Equifax and XXXX were unfair, XXXX, Equifax and XXXX were partial. 

I am taken the liberty to file a CFPB report and an attorney general 's complaint. XXXX, Equifax and XXXX never had a permissible purpose Under 1681 ( b ) 2. I never instructed XXXX, Equifax and XXXX to furnish this report and I never consented to this report in the first place.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I placed an ad on XXXX to sell an RV. I received a call from XXXX at XXXX for advertising services that I told him I didnt need as I already had a potential buyer. He stated that it wasnt sold yet and their services would help sell the RV. I was told they would make a video of the RV. What they did was a slide show - not what was promised. I was also told that I could get a refund because of the seller I had if the sale went through. The sale went through and I called to cancel. I was referred to their email address so I requested the refund to the address. The refund was refused even though XXXX assured me it was OK. I wouldnt have paid if I knew they were a dishonest company. I disputed the charge and they fought it and I have had to reopen it several times. The charge I authorized ( under false promises ) was on XX/XX/XXXX, on XX/XX/XXXX another unauthorized and fraudulent charge was made to the card by XXXX RV using the XX/XX/XXXX authorization. The second charge was never authorized, is fraudulent, and is also in dispute. 

Additionally, I responded to a phone call on XX/XX/XXXX and cancelled the transaction on XX/XX/XXXX. In accordance with Colorado Law, I was within my rights to cancel based on a three day right of recission written into the Law. Weekend days do not count as part of the three day period so the timeframe is XX/XX/XXXX ( Wednesday ), XX/XX/XXXX is day one, XX/XX/XXXX is day two and XX/XX/XXXX is day three since XXXX was a weekend- non business days. 

The first charge should be reversed as I cancelled the transaction and the second charge is fraud. Citi has not resolved the issue and is not following proper consumer protection protocols.
Complaint sub-issue: Debt is not yours

NOTE : I am no liable for this account since my information was used by a family member, XXXX has sent me a " Lease agreement '' with date of transaction, with my " electronic '' signature not it. No hand written signature provided which does not prove I signed that lease. 

I have sent multiple letters to XXXX, XXXX, and XXXX in regards to this debt. I have asked them multiple times to " Verify '' this debt. The first time they have removed it. I believe a couple weeks later they have added the debt back on to my credit report, then removed then added, which has significantly damaged my credit score after hard work of building it. XXXX  has done this multiple times which resulted in decreasing my score significantly. I have sent them a re-insertion letter, explaining that if they had already removed a collections account that is still " Unverified '' that it should stay removed under FCRA! I am currently in the process of getting this account removed from my credit report since, 1. I am not liable for it. 
2. it is stopping me from establishing good credit. 

I have also contacted via letters the creditor directly so they can also verify this account. 

Debt is listed on all 3 of my credit reports under : XXXX XXXX XXXX - Amount is {$820.00} Original Creditor XXXX XXXX XXXX
Complaint sub-issue: Problem making or receiving payments

I use Key Bank bill payment services to pay my monthly home mortgage payment to XXXX XXXX. Twice in three months, the funds were removed from my account as scheduled, but not received by XXXX XXXX for weeks after withdrawn from my checking account, and resulting in hundreds of dollars of late fees for the two late payments. I have tried to resolve with Key Bank on multiple occasion with no success. Very frustrating. The Key Bank " BIll Pay Guarantee '' is worthless. 

The first payment of {$2500.00} was scheduled for XX/XX/XXXX and debited to my checking account on that day. The due date wasXX/XX/XXXX XXXX XXXX did not receive payment via check until XX/XX/XXXX 

The second payment of concern of {$2500.00} was scheduled and debited to my checking account onXX/XX/XXXX. This payment was not received by XXXX XXXX until XX/XX/XXXX 

The Key Bank bill payment Guarantee is copied below. I clearly met the guarantee criteria, but get nothing but a run-around with no helpful explanation or answers from Key Bank.

To take advantage of the Bill Pay Guarantee*, and ensure that your payments will be received accurately and posted by your payee, schedule your payments as follows : For electronic payments, you must schedule your payment at least 2 business days before the due date.

For check payments, you must schedule your payment at least 4 business days before the due date. 
For payments made to KeyBank and display a 'Key ' icon, you must schedule your payment on or before the due date.

Ensure that the payment information entered is accurate and enough time is allotted for processing based upon the guidelines above.

If payments are made within the guidelines of the guarantee and KeyBank does not properly complete a bill payment on time or for the correct amount, KeyBank will pay any late fees and finance charges that result solely from that failed bill payment and send any correspondence necessary to rectify credit reporting.
Complaint sub-issue: Sued you without properly notifying you of lawsuit

I am in full litigation with this collection agency in regard to this alleged debt. I have asked the consumer reporting agency to validate and verify the alleged debt and they have not provided me with the names, addresses or phone numbers they used to investigate and validate this alleged debt. I have a law firm representing me and we are in full litigation in regard to this account. They violated many of my consumer rights and they continue to do so by continuously reporting this non accurate information about me to consumer reporting agencies.
Complaint sub-issue: Don't agree with the fees charged

I have two loans that were taken out through XXXX XXXX XXXX. I have several issues with this company. The original amounts of the loans were at XXXX, XXXX it was agreed upon that there was no interest and there now has been interest added. They have a debt collection agency sending notices and threating not only me but my ex husband who through a divorce and a court order was filed no longer liable for the student loans. They are asking for much more than what was taken out on the loan. They are threating to garnish wages and when asked for them to show the proper documents that they own the debt they stated they do not have it. This company has been sued for not being able to show that they have ownership of this loan. I have requested ownership be provided that they own the debt and it has not been provided. I don't feel its fair for this company to request money and threaten me and my ex husband who is no longer liable for the debt to raise the amounts and to collect on and to not show proof they own the debt.
Complaint sub-issue: Their investigation did not fix an error on your report

I have no knowledge or record of  XXXX  account number  XXXX  on my credit report. I have disputed this unknown medical account with the reporting collection agent as per Equifax instructions in their response and have no valid response. Which was shifting the burden on me which was a violation of my rights. They have failed to fulfill my request to verify this unverified account by providing physical proof of verification.
Complaint sub-issue: Account information incorrect

Hello, My name is  XXXX   XXXX . I have a  XXXX  account : Account :  XXXX  Current Balance : {$21000.00} Past Due Amount : {$0.00} Current Amount Due : {$61.00} Payment Amount : {$61.00} Due Date: XX/XX/2017  I re-consolidated my loans after they were damaging my credit back in  XXXX  of   XXXX  . I have made my payments on time since then. I thought that everything was being handled but I was n't told about a loan for {$3300.00} that I had defaulted on twice. My credit report is reporting the loan at  XXXX  but when I reached out to them they stated that my debt to  XXXX  was at  XXXX . The  XXXX  account does n't list the loan! They also said I could not pay it over the internet, that I had to call and pay it over the phone.     This seems extremely predatory and I will call them and work to reestablish my credit, but others like me might not be able to because of these shady practices. Please let me know if you can assist me with this. I will cooperate as much as I can.       Thanks,  XXXX
Complaint sub-issue: Can't use card to make purchases

PNC Bank continues to decrease my credit limit on both my credit ares for no apparent reason. As soon as I pay the balance down, the decrease my credit limit by almost the exact amount I paid down. When I spoke to them, they said it was due to my credit rating. What they are doing is exactly what they clam is the issue. By decreasing my credit limits, they are driving up my usage percentage and driving my credit rating down in the process. In the case of one card, they took {$4400.00} off my available credit in one swoop, driving my usage percentage from around 50 % to 95 %. Worst, I was on vacation at the time, and not notified of this decrease until a week later.

I would just like to know why they are doing this. I have never been late with any payments on my cards or car loan, which make this appear to be a simple vendetta against me. 
I am shopping around for a new bank now, since I am not sure what else they are capable of.
Complaint sub-issue: Received bad information about my loan

I have been making monthly payments, on time for over 13 years. I 'm a XXXX and was told by other XXXX that there is a program that we qualify for to forgive our student loan if we are XXXX and been making payments for over 10 years. I obtained the application, read the qualifications and I should have qualified from the beginning for forgiveness. I had the direct consolidation loan, which was another requirement. After getting the runaround and having to apply twice, I was told that I did not qualify, but that Fedloans was assuming my loan. I was told that my terms, payment, and everything would remain the same. Fedloans only would be servicing the loan. I even received that statement in writing. My usual payment averages {$110.00} per month. In XXXX 2017, I received notification from Fedloans that my new monthly payment will be approximately {$500.00} per month beginning XXXX 2017. I called Fedloans and was told that my loan was " looked at '' and at the current payment, my loan would not be able to be paid off within the 15 year term. I did not authorize Fedloans to " look at '' my account. I applied for a " forgiveness '' program that was advertised, and I qualified for per the requirements. I asked the rep from Fedloans if I had not applied for this scam, I would have continued my $ XXXX monthly payments, on time just like I agreed to do 13 years ago for 2 more years and nobody would even care? She said yes. All these years, I 've worked hard and paid on time. Now, I 'll probably default because I was tricked into applying, and giving access to Fedloans, based on their statement that they were " servicing '' my account only. ( Public Service Loan Forgiveness Program )
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 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 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 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: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX