Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Threatened or suggested your credit would be damaged

I took a home improvement loan from Greensky in XXXX of XXXX. The Term of the loan was 90 months @ 234 per month on the 9 of every month, with the loan maturing on XX/XX/XXXX with a final payment of 234.50. I made multiple payments because this is a payment coupon book loan I expected the payments to go the monthly payments because there was no penalty for paying the monthly installments early. Greensky applied the payments to the principal instead of applying them to the monthly payments. I tried to get them to apply the monies to the monthly payments and they refused. I told them I thought in order for monies to be applied to the principal instead of monthly payments I had to specify that I wanted it applied to the principal. I didn't pay them the extra monies they wanted because I told them I already made the payments. They made my account delinquent listed it as a charged-off account on my credit reports, even though I continued to make payments but refused to give them additional payments. The current balance on the account is XXXX meaning that the loan will be paid in full before its maturity of XX/XX/XXXX because I continue to pay the coupon book amount of 234.00 monthly. This is totally unfair what they did they damage my credit and my credit score has declined. I hired a credit repair company to try to get this item removed from my credit report and they were unsuccessful. I would like this negative item removed from my credit report because based on the balance this bill will be paid in full 5 months before its maturity date of XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

The following accounts are showing on one or more of my credit reports and need to be removed due to fraud. I already have the fraud alert on my file, I just want them removed. Please make that happen. I have attached a police report listing all derogatory files and my proof of identity. 

Someone obtained m y social security information along with my date of birth and opened up the following credit cards and financial accounts : XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Both accounts ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX for {$120.00} XXXX   XXXX  for {$730.00} Due to this, they are all on my credit and I need to report them as fraud accounts so they are removed.
Complaint sub-issue: Was not notified of investigation status or results

I recently sent letters over 60 days ago to this bureau and they are disregarding regular consumer disputes. I've sent multiple letters that have gone unanswered causing immeasurable stress.
Complaint sub-issue: Report provided to employer without your written authorization

I had sent you a certified mail in XX/XX/2022 regarding negative information on my credit report. You had many days to answer my dispute and I have not received any answer. Because of this, you must remove these account that I disputed earlier but you failed to removed accounts that are unverifiable I told you they are not attached to any address of mine so how are these accounts still can be seen here?
Complaint sub-issue: Information belongs to someone else

FCRA Violation personal information not mine XXXX BXXXX 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 XXXXXXXX FCRA Violation credit card payment not late XXXX XXXX FCRA Violation auto loans not mine XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation inquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Funds not received from closed account

I have a Citi Accelerate Savings account with Citibank. Current balance is slightly over {$200000.00}. On XX/XX/XXXX, I contacted Citi by phone and asked them to close the account and remit the balance to me. I was told that I would not be able to electronically transfer the funds out to a corresponding bank account because the amount exceeded my monthly transfer limits. However, they advised that they could send me the entire balance by check through the mail and that there would be no charge for doing so. I was told to expect the check within 7 - 10 days. When 2 weeks passed and I did not receive the check or any word from Citi, I contacted them by phone again. This time I was told I would receive the check within 3 - 5 days. I still have not received the proceeds of my account. I am convinced that Citi has no intention of closing the account and that they have acted completely unethically here.
Complaint sub-issue: Account status incorrect

TO : Equifax I am writing to dispute ( XXXX ) items on my credit report. XXXX XXXX XXXX ( XXXX XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, According to XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXXXXXX ) is reporting that the account was opened on XX/XX/XXXX. I have enclosed a copy of the card and page 4 from my XXXX XXXX credit report which proves the account was opened on XX/XX/XXXX - - - not XX/XX/XXXX. 
Also according to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting that the account was opened on XX/XX/XXXX. My XXXX XXXX credit report indicates that the account was placed for collections by XXXX XXXX on XX/XX/XXXX. I have enclosed page 5 from the XXXX XXXX credit report as proof the XX/XX/XXXX date is an error. I believe this account was opened in XXXX, however the credit report doesnt say. 


Respectfully, XXXX XXXX
Complaint sub-issue: Fee problem

On XX/XX/XXXX there was a transfer from KEYBANK to KEYBANK account. I erroneously was charged a {$34.00} overdraft fee when there was no overdraft. My balance was XXXX. Overdraft charge of {$34.00} made my account $ XXXX. 

On XX/XX/XXXX at XXXX I made deposit into account via ATM AT a branch in XXXX NY , which was {$44.00} to bring account to {$10.00} while I disputed the gauging Overdraft. I didnt want to have it negative. 

The deposit did not register I notified branch personnel on site they told me to call 800 and dispute it. I did call and dispute it. 

On XX/XX/XXXX, KEYBANK charge my account a 'recurring overdraft charge ' of {$28.00} while ignoring my complaint and not repairing error that occured on XX/XX/XXXX and at ATM on XX/XX/XXXX XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

In XX/XX/2018, I sent a letter to ProCollect Incorporated requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation that would verify this debt. They responded back via mail providing me with a billing statement. This does not VALIDATE the debt. It does not prove that I am obligated to pay this debt. They have and are continuing to report delinquency information to the credit bureaus that I am asking to be deleted.
Complaint sub-issue: Fee problem

KeyBank constantly overcharges my checking account on overdraft fees. I manage my money every month so that it would never go negative, however, because  KeyBank  processes transactions on random days it causes my account to be overdrawn multiple times. Transactions do n't get processed days later, even when I had the money to cover them, so my account always ends up being negative 10 days later, because my account is never up to date. Why? Those fees add up to hundreds so most of my paycheck usually goes to the bank just to cover the overdraft fees. Every overdraft fee is {$37.00}, so even if I only spent {$4.00} at a gas station thinking I had money on my account they would still charge me {$37.00} plus {$28.00} reoccurring overdraft fee -- - this is simply because, once again, my account balance is never up to date. Fix this  KeyBank  or I 'll never stop complaining about you. To everyone. To the internet. To the entire universe. Stop treating your clients as your bank account and start working for us like you 're supposed to. Last time I checked it 's not your money.
Complaint sub-issue: Debt was result of identity theft

Sometime is XX/XX/XXXX I was contacted by a representative who immediately asked me for my last 4 of my social, and told me they could not tell me what company they worked for and why they were calling unless I gave the last 4 of my social. I reluctantly gave my last 4 and then was told the representative worked for Enhanced Recovery Company, and were seeking to collect a debt of {$400.00} from a random address I had never lived in or been to. I stated that to the representative 3 separate times when she asked about the address and I had proof that I was residing in a completely different part of the county at the time. I told the representative that the account was fraudulent and needed to be removed from my credit report. Representative agreed that the account was fraudulent and that they would look into it and have it removed. Not a single call since then, but the company is reporting every month or other month to my credit report and it is effecting my score TREMENDOUSLY. This company did not have any of my information correct, had no social security number until I provided the last 4 digits, and told me it was going to be removed for being fraudulent. I want Enhanced Recovery Company removed from my report
Complaint sub-issue: Their investigation did not fix an error on your report

I have paid off all debts I have no negative history I have zero credit inquiries and have had a credit card from XXXX : XXXX  XXXX XXXX - XXXX : XXXX XXXX XXXX XXXX   / XXXX XXXX . XXXX XXXX. You only show the XXXX card on my history. Every month I pay all my bills on time plus car loan that you have on file, but no increase in points, and another car loan paid off in good standing and that did not move my score not even by one point,?? Why is this??? I have three As a B and C instead of Cort factor and if you look that up you will see 800s point score.

Exceptional= Financial debt 0 % Exceptional= credit usage 0 % Exceptional= payment history 0 % negative Excellent = age of credit 3.. years, even though its actually over 10 years Good = Mix file that are open 2 Exceptional = credit inquiries 0 % Im supposed to have XXXX not XXXX Age of credit, is suspect with Equifax because Equifax has on file XXXX credit card in XXXX. but do not showing up in age of credit? I asked Equifax to look into this and they gave me this case number XXXX can you guys fallow up on this case for me.
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
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 XXXX **** and XXXX XXXX XXXX XXXX XXXX have violated my rights.

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

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

These unfair mechanism has broken plenty of laws and taken advantage of me the consumer by not taken my claim seriously, This has caused me an financial burden, financial injury and defamation of character because of a 30 day no response
Complaint sub-issue: Deposits and withdrawals

On XX/XX/XXXX, I deposited {$260.00} cash in an ATM machine at Citibank on XXXX XXXX, XXXX XXXX, CA. The machine ejected {$40.00} and then stated it could not complete the transaction and that I could get the rest of my money back ( {$220.00} ). 

I talked with a manager named XXXX who said that Citibank would open a case and review the situaton. I asked for the {$220.00} to be returned to me and she said the bank could not do that. She also said that the review would take 5 - 7 business days. She also said she would contact later that day with an upate. 

It is now 8 business days since the transaction occurred and neither the manager, nor anyone else from Citibank has contacted me. And I am still missing {$220.00} from my account. 

I think it is very unfair that, because of an issue created by Citibank, I am made to feel like I am not to be trusted and I am still waiting for a legitimate deposit to be verified. Even now, if the money was placed in my account, I am still upset it has taken this long.
Complaint sub-issue: Information belongs to someone else

THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME.THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Complaint sub-issue: Right to dispute notice not received

Debt collector did not make communication attempts or notification by mail for debt owed or process to dispute in due time.
Complaint sub-issue: Their investigation did not fix an error on your report

Complaint is about Credit Karma. They prepare taxes as a benefit to members. I was working on my taxes and had saved it. They submitted them to the IRS without my approval. 

I reached out to them twice. They finally answered today. Here is the response from the email : Why CK submitted Tax Return? : Case # XXXX Thank you for reaching out to Credit Karma Tax. I understand you weren't done with your return. Your return has been submitted and accepted already. You will have to file an amendment to make any changes to your return.
Complaint sub-issue: Their investigation did not fix an error on your report

Per my credit Report With XXXX, XXXX is reporting that this debt was included in chapter XXXX bankruptcy but is listed as a charged off account with XXXX & Equifax. 
I have disputed this account with XXXX Multiple times and i also provided proof but per an XXXX  employee thay are going to agree with the Creditor no matter what I provide. This account needs to be updated and reflect the same resolution on all 3 credit reports or be removed from my credit report immediately!
Complaint sub-issue: Reporting company used your report improperly

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX AZ XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX AZ XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX there is some inaccurate information reporting. 
XXXX Case Number : XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete for Violation
Complaint sub-issue: Public record

i have made payments accurately and is in good stander but still is reporting poorly on my report bring my credit score down and keeping me from getting qualified for home loan. XXXX XXXX XXXX is filing claim
Complaint sub-issue: Keep getting calls about your loan

I am a co-signer to a private student loan from US Bank. On XX/XX/XXXX, I received a call from XXXX XXXX, XXXX XXXX XXXX, that I owed {$3700.00}. Off guard and shook, Mr. XXXX said that I was the co-signer to a student loan, last payment received was {$37.00} on XX/XX/XXXX, and the balance is due within 30 days. I explained that it was my youngest XXXX  and I do not have contact information. We are estranged because of other matters. I gave him the last phone number I had. That was not good enough and kept repeating himself trying to get me to commit to paying this off. He then offered to settle this matter for {$1900.00}. I told him I wanted more information. I then received a letter postmarked XXXX and then another XX/XX/XXXX summarizing the offer, threat of judgment etc. After this encounter I have been receiving phone calls since XX/XX/XXXX daily with messages on my answering machine. 
I am retired and live on a pension and social security, I have always paid my bills timely and achieved a very good credit rating. I am asking for help to navigate this mess. As of date, I have not received a copy of the original agreement. 
Thank you. ( I would have to send copies of letters under separate cover ).
Complaint sub-issue: Account information incorrect

I paid off my student loans in XXXX The lender then sold my loan, went out of business, and my loan was sXXXX XXXX XXXX XXXX XXXXre time. All while interest upon interest has been adding up for the interim XXXX years at a 9 % rate. I have escalated this matter to the XXXX services, to no good end and am getting ready to send a package to the Dept of Education. XXXX XXXX is incorrectly reporting this information as well. I am unable to get a mortgage loan with this {$110000.00} debt on my credit and beseech you to help me clear this debt off, once and for all.
Complaint sub-issue: Debt is not yours

In XXXX of XXXX, enhanced recovery company attempted to collect a debt on behalf of XXXX XXXX XXXX XXXX. This debt was posted on my XXXX and XXXX  credit reports. 
I was un sure where this debt came from, given the fact that I have not had any type of XXXX services for 10 years. I requested debt validation in XXXX of XXXX from Enhanced Recovery Company, to which they never responded. It has been a year and this debt that I am not responsible for remains in my credit file. This is not my debt and I would like it removed off my credit report ASAP.
Complaint sub-issue: Information belongs to someone else

XXXX, Equifax and XXXX XXXX are not responding to my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
Complaint sub-issue: Was not notified of investigation status or results

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. The Initial dispute was sent on XX/XX/2020 and the 60 Day demand to comply was sent on XX/XX/2020.
Complaint sub-issue: Account status incorrect

I received a copy of my credit report and found the following item to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : 1. I have never been late with payments on this account. 
XXXX XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 
Credit Bureau is refusing to investigate or replay with same answer.
Complaint sub-issue: Reinserted previously deleted info

I have multiple duplicate inquiries on my credit file. I received an notification a while back on XXXX they were removed and they have reappeared. I have alot of duplicates from the same day and that is incorrect.
Complaint sub-issue: Account status incorrect

I have been trying to resolve the issue of late payment on this account for month ( XXXX XXXX  {$61000.00} Account number XXXX ). The report on Equifax shows us being late for 2 months ; the report on XXXX show us as being late for 2 months and XXXX show us as being late for 3 months ). I am have never been late on any mortgage payment. As you can see all 3 bureaus reporting are not accurate therefore the bureaus have violated my right under FCRA. I have for many months asked for a full validation or remove these inaccuracies. All I get back that it updated and factual with no explanation. I have attached a snapshot from all 3 credit bureau reports
Complaint sub-issue: Didn't receive enough information to verify debt

This   XXXX   account was sold to   XXXX   XXXX   and I disputed the account in  XXXX . It was removed off my credit reports then readded without any proper notice. I submitted a complaint CFPB and received a letter from diversified stating  XXXX  would recall my account. It was removed from credit reports. On XX/XX/XXXX  another collection agency tried to collect from the same  XXXX  account that was previously taken off my credit reports and falsified dates. The start date said  XX/XX/XXXX , in which I do not have any accounts with the  XXXX  company.
Complaint sub-issue: Personal information incorrect

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . 
Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply.My name is XXXX XXXX XXXX please remove any other variation of my name. I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX