Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have multiple credit inquiries on all three of my credit reports. I never applied at these companies. I have listed them below. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Fee problem

On XX/XX/2018 I had a ending balance of XXXX. On XX/XX/2018 US Bank charged me 4 fees of {$36.00}. I contacted them and advised them per there policy if my account is under {$5.00} overdrawn no fees should be charged. They then told me they charge for every transaction leading up to the overdraft. The funds were there so how are you charging me for funds that were in the account. All except the last transaction which overdrew the account for XXXX. This is a incorrect business practice I also bank with XXXX who would never do anything remotely like this. They refused to assist remove the fees or anything and I have the call recorded just stating that I could refuse overdraft coverage. It was XXXX ... .so how are ya 'll charging me 4 times for XXXX negative. The fees should be removed.
Complaint sub-issue: Information belongs to someone else

This is my fourth 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 XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX  XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$490.00} ; XXXX XXXXXXXX Balance : {$490.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$680.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$820.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX Filed/Reported : XX/XX/2018 XXXX XXXX XXXX  Bankruptcy : XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2018 ; U.S. Bankruptcy Court XXXX XXXX  bankruptcy XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2018 ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, IL XXXX; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, IL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

My name Is XXXX XXXX. I have sent numerous letters ( certified ) to Equifax Credit Reporter Agency, in regards to information ( 5 derogatory remarks ) from XXXX XXXX XXXX, that they have not " verified '' in accordance to FCRA Law through their investigative practices. I have sent 4 certified letters to Equifax about this matter They have responded each time, that their investigations of my complaints against XXXX XXXX XXXX, has been " Verified. '' In each of my response back to Equifax, I noted that " In accordance to FCRA section 609 ( a ) ( 1 ) A and section 611 ( a ) ( 1 ) A, Equifax has not supplied me with any original documentation ( including my signature ). Furthermore, under section 611 ( a ) ( 7 ) they had failed to provide me with any information regarding their verification methods. '' In my last letter dated XX/XX/2018, with regards to my pending lawsuit. It states that " Under section 611 ( 5 ) ( A ) of the FCRA regulations, Equifax has ( 15 days ) of receipt my letter, Equifax must delete any and all remarks, which could not be verified. '' Again, Equifax responded in a letter ( dated XX/XX/2018 Note : 16 days after the deadline! ) stating the XXXX XXXX remarks had been " verified. '' Included in my response was a copy of my latest XXXX   Credit Report 's investigation of the same 5 derogatory remarks by XXXX XXXX that had been " deleted '' through their investigations. Also at Equifax 's behest. I included a filed Police report of fraudulent activities against XXXX XXXX XXXX for unsubstantiated negative remarks on my credit report. This is my " Final '' attempt to resolve this issue amicably. I will seek financial relief through my retained attorney in response to their unverified methods. I want to thank you for your assistance
Complaint sub-issue: Information belongs to someone else

So i was forced to file Bankruptcy do to the fact that my father information was attach to my credit. His name and mine is very close. but on the credit report it had his creditors his date of birth and his address. I did dispute but my credit has not got pass XXXX and each time it get to the point that maybe i can buy a house or purchase a vehicle that im in need of it drops. I've been trying to get it off my credit because if i was told the only way i could get his items off was to file. It showed that they weren't mine. i tried to fight it. i called the lawyer but he never reply. i think it isnt right do to the fact that i had a trach it made me handicap..this bankruptcy with XXXX balance from the beginning because the accounts wasnt my creditors
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX 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 a account without my written instructions.
Complaint sub-issue: Account status incorrect

I have already sent multiple requests last XX/XX/XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information. Please update the following accounts completely from my Credit Report. 
XXXX XXXX Date Opened : XX/XX/XXXX {$21000.00} XXXX XXXX Date Opened : XX/XX/XXXX {$18000.00} Please remove the following accounts completely from my Credit Report. 
XXXX XXXX Date Opened : XX/XX/XXXX {$0.00} XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX {$180.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Just looked on my credit report today. Found XXXX XXXX, XXXX XXXX/ XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX. This is untrue. I am part of numerous data breaches. I had identity theft. I reported this already. I never ever! Asked for credit never made these inquiries. These need to come off. XXXX and Equifax credit reports. At this time XXXX XXXX is not showing these inquiries. These inquiries was not made or done by me. This was unknown with out my knowledge.
Complaint sub-issue: Banking errors

On XX/XX/2020 I went in to a Us bank branch and deposited {$5000.00} dollars and only got credit for {$500.00}. After disputing this for 2 months US bank claims theres no error or anything wrong with their machines when I simply put in XXXX bills of {$100.00}.
Complaint sub-issue: Information belongs to someone else

I logged into XXXX today to check my credit report and saw this collections account. I have addressed this issue multiple times with the credit bureaus and it keeps showing back up. I have never had an account with XXXX XXXX. This account is either fraud or belongs to someone with a similar name as me. I was never contacted by the collections agency prior to this account showing up on my credit, in violation of FCRA guidelines.
Complaint sub-issue: Problem with rewards from credit card

I have had a  XXXX  rewards card with Fidelity  XXXX  for over 10 years. In  XXXX  of  XXXX  Fidelity (  Elan   ) m oved to a new servicer. When this change was made they capped my rewards without adequate notice. As a result, I did not earn rewards for the first  four  months of  XXXX . When I noticed this and called in they said all I had to do to remove the cap was to was to ask for it. There was not change to my account number. However, they would not credit me with the rewards I would have earned.
Complaint sub-issue: Information belongs to someone else

There are a few accounts in my credit report that are invalid and do not belong to me
Complaint sub-issue: Contacted employer after asked not to

I was called to the front office at my place of employment. They handed me a notice of intent to collect a debit. The main problem was that it was opened for all to read. Almost everyone here gets mail and it is opened and distributed because it is all work related. This was not! This has personal information on it.
Complaint sub-issue: Debt is not mine

Please have this removed from my account. the date i am showing it was opened is XXXX 2016 Balance : {$1200.00} Collection / Charge-off Open Account Negative Account As of : XXXX XXXX, 2016 Account Details Payment History Contact Info Account Number : XXXX Account Type : Collection Account Amount Past Due : -- Scheduled Payment : -- Owner : Individual Opened Date : XXXX XXXX, 2016 Original Balance : {$1200.00} Original Creditor : XXXX XXXX Creditor Type : Account in Dispute No that is all the info showing on my credit report. I was not with XXXX in 2016. I have been with XXXX since XX/XX/2016 and before that was an a friends account with XXXX. I believe this to be incorrect information and not something i should have effecting my credit report. please have this reviewed and please remove from my account
Complaint sub-issue: Their investigation did not fix an error on your report

Hi! I am needing help removing my bankruptsy from my equafax and XXXX  report. pls pls help due to me having XXXX.
Complaint sub-issue: Trouble with how payments are being handled

Fedloan Servicing has under-counted my qualified payments for the Public Service Loan Forgiveness program. The company says that it reviewed my account and added two more months of qualified payments. However, I am missing 8 -10 months of payments. I filed a complaint with this office before but the office only reported back what Fedloan Servicing said. I hope this office does more than simply report back on what Fedloan Servicing says.
Complaint sub-issue: Information belongs to someone else

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX  XXXX XXXX XXXX Balance - ; XXXX  XXXX XXXX XXXX Balance {$5200.00} ; XXXX  XXXX XXXX XXXX Balance {$400.00} ; XXXX  XXXX XXXX XXXX Balance - ; XXXX  XXXX XXXX Balance {$1100.00} ; XXXX  XXXX Balance {$1000.00} ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX AV XXXX, CA XXXX ; XXXX  XXXX Inquiry XXXX XXXX XXXX, 2022 ; XXXX XXXX Inquiry : XXXX XXXX, 2022 ; XXXX XXXX  Inquiry : XXXX. XXXX, 2022 ; XXXX XXXX XXXX : XXXX. XXXX, 2022 ; XXXX Inquired on XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2022 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Trouble with how payments are handled

I had XXXX private student loans with Sallie Mae while I was in school. I refinanced these loans in XX/XX/XXXX with XXXX, XXXX XXXX sent Sallie Mae payments on XX/XX/XXXX and sent me a receipt for payment. Sallie Mae had n't processed the payment on XX/XX/XXXX and wanted me to pay them for a loan that was already paid off. I called and they told me I would have to pay a {$50.00} fee to be put in forbearance so they could research the issue, the issue was their fault from their company splitting in fall XX/XX/XXXX and they should have it resolved in a week or XXXX. I paid the fee and waited and then I received a bill in XXXX telling me I still had a payment due. I called and they had no record of my dispute from XXXX, and told me the only way they would research their mistake is if I electronically sent them proof of payment from XXXX or if I conferenced called them with a XXXX representative. Also, XXXX had overpaid in XXXX so Sallie Mae was actually holding over {$350.00} of my money.
Complaint sub-issue: Received bad information about your loan

In XXXX  of XX/XX/XXXX I had my loans transferred to XXXX because as a XXXX XXXX XXXX, I wanted to work towards loan forgiveness. Up until this point, I had no issues with my income based repayment applications being processed and I made timely payments. Since working with them, i have received conflicting information regarding my application status. Forms that were to be mailed to me were not. They claimed to have not received one form but inexplicably received the other. Most recently, I entered a doctoral program. I initially wanted to continue on my IBR and requested to continue to pay. they denied it and said i had to pay {$1400.00} which I could not afford. I then reapplied for in-school deferment while the situation was rectified. I was told in XXXX that I would receive a form in XXXX and all would be well. I received the form in XX/XX/XXXX immediately faxed it back - was told that it would be taken care of immediately only to find that {$1400.00} had been deducted from my account that I did not have money for and could not afford. The website does not allow you to remove bank account information from the profile as it states. I have just had horrific customer service, representatives who know absolutely nothing and they have now created a financial hardship for me and my family.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself. BBVA USA account is reporting late as reported in XXXX and XXXX. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account. 

( BBVA USA XXXX )
Complaint sub-issue: Frequent or repeated calls

Their phone number is XXXX Constantly calling! 
They never leave texts or voicemails. I've called that number and it's always busy or it disconnects. 
I HAVE called other numbers too that are harassing me with calls. Gotten a hold representatives. They promise not to call again but within 2 or 3 days, they start calling again! 
I know it's about credit card debts.
Complaint sub-issue: Problem with rewards from credit card

In early XX/XX/2021, I applied and was approved for a US Bank XXXX XXXX XXXX. However, I did not receive the card until towards the end of XX/XX/2021, and I was interested in spending {$1000.00} within the first 3 months to obtain the welcome bonus offer. I called US Bank credit card customer service around XX/XX/2021, and was told by a customer service representative that I will have 90 days from " the day the card is activated '' to spend the {$1000.00} which would put a deadline around XX/XX/XXXX. I relied on that information. In early XX/XX/2021, I called again, and was told the same thing. Later during the call, the customer service representative retracted on their words and started saying it's 90 days from the day the card was opened. 

I have spent the necessary amount, {$1000.00}, in accordance with what the customer service representative told me, that is, within the first 90 days of the card 's activation. They provided incorrect information, and am now claiming they can't issue me the welcome bonus offer. I should, in no way, be responsible for erroneous information that US Bank, themselves, provided. 

I request that the full welcome bonus offer be sent to me immediately. This is entirely US Bank 's fault, and they should be responsible.
Complaint sub-issue: Information belongs to someone else

I am federally protected consumer and Equifax Information Services, XXXX, and XXXX has violated me under the provisions of 15 USC 1681. Please review attached documentation.
Complaint sub-issue: Debt is not yours

My husband was looking for a personal loan XX/XX/2016. We looked at lendingclub.com and inquired about an unsecured loan. We were approved for the loan, but we did not proceed with signing the loan agreement. We did not receive ANY funds through our bank, or through a check. We have documents from our credit union that no deposit was made by that company. I have asked for documentation of the loan, our electronic signatures, emails sent etc, but I have not received any. They are now saying I owe money and have sent me to collections, and I have negative reporting on my credit report. 
I never received a billing statement. On my husband 's credit report, it says that he made 76 % of payments - but we never MADE ANY payments at all because we never received a bill, or even agreed to this loan, but on my credit report, it says we did not pay any payments at all.
Complaint sub-issue: Account information incorrect

So I XXXX XXXXXXXX on XX/XX/XXXX. I had XXXX and ended up using my XXXX XXXX credit card XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX PNC sold my debt to a collection agency, who offered me a deal to pay off what I owed to them and I payed it in full. Now it's been haunting my XXXX XXXX for 2 years. It's difficult having to pay down payments for things and the payments are almost the whole price. I've did my payment. I've done my work. The only thing I owe is federal student loans. Why is this still XXXX  down my score?
Complaint sub-issue: Their investigation did not fix an error on your report

Last month, I have submitted a dispute letter to the Credit Bureaus addressing the removal of the XXXX XXXX account, with account number XXXX. I even tried calling them to make a follow-up on the removal of the said account, and they have advised me to submit all documents to verify my identity and for them to acknowledge that the account was opened without my knowledge. I did follow their advise and submitted the documents needed regardless of enclosing all those documents in my previous letters. They confirmed that the account will be removed but upon checking my credit report today, the same account is still reporting with the same status. Having been doing a lot of follow-ups through letters and calls, I am still not getting the results that I want. Thus, I am seeking again for your assistance to have these 3 Credit Bureaus address my concern effectively. They have neglecting my request intentionally and this is not acceptable. I would love for them to have this account remove immediately.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account 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

I intend this message finds you well. My son and I purchased a new XXXX in XX/XX/2018 from XXXX XXXX XXXX XXXX. The car was purchased as I am XXXX XXXX and need to get to doctors appointments etc. When we went into XXXX XXXX XXXX we went using the XXXX XXXX program to be sure we did not have to haggle for a car. When we went to financing the finance lady in which her name escapes me since I have a XXXX XXXX and have memory issues ( She is listed on my account at XXXX XXXX ). She was moving quickly and was fully aware we were going to get a cashiers check to purchase the car. Both of our credit was pulled on this day without our knowledge and again mine was pulled by XXXX XXXX in XX/XX/2018 in which I NEVER gave authorization for this to happen nor did they call me to discuss the erroneous incident. I found out while I was checking my credit as I was told by the lady finance manager who assisted us that she was going to fix the credit issues I brought to her attention in XX/XX/2018. She stopped following up and I finally went above her to XXXX XXXX in which I felt he assisted as much as he could. No one followed up once both my son and I signed letters for XXXX XXXX to send to the credit agencies. I requested them to be sent certified mail, registered mail and XXXX XXXX to insure it gets there. In the meantime I put an inquiry on all the credit agencies to dispute the credit inquiries from XXXX XXXX and XXXX XXXX and they were denied by XXXX XXXX and XXXX XXXX???? WHAT???? I also called and because I am NOT the owner of the inquiry I could NOT delete them even though there were erroneously done. I was told to wait 60 days and waited 90 called the bureaus and nothing has yet to be done. I followed up with XXXX XXXX and apparently I have a new rep XXXX that was going to take this over and call me. I never received a call back from him so I followed up 2 weeks later. This has just been a ridiculous process and it seems to be getting nowhere other than XXXX getting their money for a car and not caring about the negative outcome of running my credit report and these are hard inquires. What got me really fired up is I am in the process of purchasing a home and these hard inquiries are causing me problems per my lender and interest rates will be higher because my credit went down. I believe the finance manager was getting kick backs from whomever they use to run credit reports ( I found this out from a source I am not willing to bring into this situation ) which I think is appalling and to take advantage of someone whos is XXXX XXXX XXXX and I didnt even mention how she treated my son and profiled him because of his arm tattoos. My son has never been in trouble with the law no traffic tickets and provides fully for himself and helps me. I am appalled that such a large company lacks integrity and ethics and allow their staff to profile others who are trying to purchase a brand new car. I am thoroughly disgusted with how unprofessional XXXX XXXX and XXXX XXXX have been with us and that they are allowed to pull credit reports erroneously and get away with it!
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has 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 {$51.00} XXXX  XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX {$0.00}
Complaint sub-issue: Information belongs to someone else

identity thft victim. incorrect info on report XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX  usa/XXXX  XXXX  XXXX XXXX.XXXX. XXXX reporting late payment in XXXX. ( i was never late )