Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Non-sufficient funds and associated fees

While banking with  US Bank I  was charged a total of {$360.00} in fees. The issue I have with this is that the fees should not have been charged to my account in the first place. These fees resulted in my account closing and the information being reported to   XXXX   XXXX   for {$250.00}. After disputing this w ith US Ban k there was no correction made. I feel that I took the proper steps to avoid these fees and that I should still have {$100.00} in my account with them. A t one poi nt I even tried to pay the unjust fees with a secured card I had through them. But their lack of concern allowed my information to be sent to   XXXX   XXXX   before  US Ba nk would take the payment. I am now requesting that all information be removed from   XXXX   XXXX    and that the credit of {$110.00} be applied.
Complaint sub-issue: Account status incorrect

The XXXX XXXX XXXX is reporting two late payments back in XXXX and XXXX of 2020 which is incorrect. I received an alert from a credit monitoring service that a late payment was reported. I immediately contacted customer service and inquired why they reported a late payment and I was told they had placed an annual fee on my account and I had not paid it. I explained to the representative that account was closed and that I did not even have an active credit card on that account because it was closed months before. The annual fee and late fees were removed from the account and the account was closed again. I asked if they would correct the late reporting on my credit report and she said she couldn't because I was late. I asked how I could be late for something I did not owe and that was removed from my account bringing my account to a XXXX  balance. I reported to the credit bureau and I believe I was retaliated against because they changed the late reporting from thirty days to sixty days. The facts are this account was with XXXX XXXX  and I closed it The XXXX  XXXX XXXX  placed a annual fee plus late fees when it went unpaid. I contacted them they removed all the fees but refused to update my credit report.
Complaint sub-issue: Account status incorrect

I was promised by a VP at US Bank on XX/XX/20 that they would remove the negative entry and they did not do so. Please see the email they sent me below. 
XXXX Hello XXXX the Credit Bureau Negative Entry removal was submitted on XX/XX/20 by our cardmember services team and has a case # of XXXX. Please feel free to connect if you need anything else or do not see any movement on the Credit Bureau by XX/XX/20. 

Thanks! 

XXXX XXXX XXXX Vice President | District Manager | XXXX XXXX XXXX XXXX | XXXX U.S. Bank XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX | XXXX | usbank.com
Complaint sub-issue: Trouble with how payments are being handled

I have been paying my loans on time to MyFedLoans/FedLoan Servicing every single month since XX/XX/XXXX. I have the loans on autopay, so the payment comes out of my bank account on the XXXX of every month. 

I enrolled in grad school at XXXX XXXX University in XX/XX/XXXX but chose not to defer my loans, as I'm still employed full-time. 

I received an email from MyFedLoans/FedLoan Servicing on XXXX XXXX that XXXX XXXX University alerted MyFedLoans/FedLoan Servicing that I was enrolled in XXXX XXXX. Without asking me or giving me the option to opt-in, MyFedLoans/FedLoan Servicing auto-enrolled me in deferment. 

I have called MyFedLoans/FedLoan Servicing twice ( on XXXX XXXX and XXXX XXXX ) and submitted paperwork ( on XXXX XXXX ) trying to reverse this decision, but my loans are still in deferment, and I keep getting emails about my " request to defer '' - I requested ( via paperwork ) to do the opposite. I owe less than {$600.00} and just want to pay them off in early XXXX, as I planned. 

I'm surprised that it's even legal for my loan provider to opt me into deferment, especially since I have paid on time every single month for nine years.
Complaint sub-issue: Received bad information about your loan

My Subsidized loan from US bank is serviced by XXXX XXXX XXXX and recently transferred to XXXX XXXX. 

My interest rate with XXXX was 1.25 % with incentive program utilizing direct draft with on time payments for XXXX years. My loan was transferred to XXXX XXXX XXXX XXXX without notification from XXXX by email or by letter correspondence. When I spoke to XXXX they told me they did not have any way of verifying a letter was sent. 
Because my direct draft was not set up with XXXX XXXX upon transfer I was unaware I was missing payments until I was 3 months late. XXXX XXXX has now removed my incentive and my current interest rate is 2.87 % because of delinquent payment. 
Once I realized what happened I contacted XXXX XXXX and made payment in full and set up direct draft. However I was told that I was no longer able to receive any incentive and my interest rate will stay at the higher rate. 

I feel this is considered student loan consumer fraud for service providers to transfer loans back and forth knowing that a few consumers will not recognize the direct draft is cancelled and allowing the new providers to charge a higher interest rate for failure to make payment. In my case more than double.
Complaint sub-issue: Trouble with how payments are being handled

Recently I decided to take advantage of my low Income Based Repayment Plan rate and bring my loans out of deferrment to start making payments as these are qualified payments towards my PSLF. XXXX  was my servicer at the time and I made a payment to XXXX who then transferred my loans to FedLoan.

I noticed that the debit for monthly payments had stopped coming out of my bank and that FedLoan wasnt tracking me as paying and so I sent several emails inquiring about this issue which received no response. 

I then called and was placed on indefinite hold several times. When I finally reached someone, I was informed that my loans had gone back into deferrment, I would need to submit a new request to FedLoan, and that I have now missed out on 5 months of qualifying payments towards XXXX 

How can this company just arbitrarily make changes to my loan payment agreement without my consent or put my loans into deferrment which I had brought out by request? Now I have missed 5 qualifying payments which means 5 additional months of payments and potentially thousands more dollars depending on my next XXXX amount. This is basically theft
Complaint sub-issue: Information is missing that should be on the report

XXXX took over a 2 old XXXX XXXX account. CRA continues to say that the information is correct and it is not. The accounts were charged off in XXXX ; however, the account history doesnt show any payments from 7 years ago. It starts in XXXX This loan was opened in XXXX. 

I have requested that the CRA not use e-Oscar system and provide last date of delinquency. This account should show all payments from XXXX until XXXX. The loans were both opened in XXXX. My grandmother is also a borrower and co-borrower and her name is XXXX XXXX. The account needs to be updated to reflect the payments. If not, it needs to be removed immediately.
Complaint sub-issue: Information belongs to someone else

This will be my last Complaint to inform the Equifax Credit Bureau that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any account which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Equifax Credit Bureau do not comply with the requests, it leaves me no choice but to pursue legal action. I need the listed account deleted as soon as possible : XXXXXXXX XXXX XXXXXXXX Balance : {$730.00}.
Complaint sub-issue: Deposits and withdrawals

I had made a mobile deposit using the Bank of the West App. The deposit was a money order for {$210.00}. I was informed by the Bank of the west contact center the first {$200.00} of the deposit would be available per the banks Any deposit checking account guide I was treated very rudely over the phone by the contact center. The contact center referred my call the the Branch in XXXX stating they would be the ones to fix the bank error. The branch refused and asked me why I would open a bank account with XXXX being so far from XXXX?
Complaint sub-issue: Debt is not yours

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX This letter is my LAST request for you to remove your inaccurate and unverifiable accounts from my credit report. Once again, note that this is not a refusal to pay, but a notice sent pursuant to the FDCPA 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. The following accounts remain unverified, even after multiple attempts to receive validation from you. I request that these accounts be immediately removed from my credit report with all credit bureaus that you report to : XXXX Furthermore, I believe I may have received telephone communication from your company even after I specifically requested to not be contacted by phone. As you know, this constitutes a violation of the FDCPA. I will be closely reviewing every call I've received from unknown numbers, but I am nearly certain these calls came from your company. According to the FTC, consumers can sue a collector in a state or federal court within one year of the date the FDCPA was violated. Consumers can sue for damages, like lost wages and medical bills. Even if a consumer can't actually prove damages, they can still be awarded up to {$1000.00} plus reimbursement for attorney 's fees and court costs. A group of people suing as part of a class action lawsuit can even recover money for damages up to {$500000.00}, or one percent of the collectors net worth, whichever amount is lower. 


The attachments that are enclosed are not downloadable and no valid link to click on to view. Just because you show a lease agreement does not mean or constitute its legally mine. 





Best Regards, XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

I received a letter from XXXX XXXX XXXX  dated XX/XX/2020. The letter was confirming the approval of a forbearance plan from XX/XX/2020 through XX/XX/2020. My loan with XXXX was current prior to the forbearance approval. During the time of the forbearance period, they transferred my mortgage to XXXX XXXX on XX/XX/2020. At the time of the transfer, XXXX reported the account as delinquent/late 30 days or more to XXXX  and Equifax on XX/XX/2020 even though I was already on forbearance. The account was never delinquent. I've called and emailed them many times for resolution but no one will assist me.
Complaint sub-issue: Account information incorrect

XXXX reports to credit report that the amount written off as {$6000.00}. The ending principal balance after accounting for all fees was {$5400.00}. I have attached XXXX 's payment history as verification of the discrepancy as well as how it appears on my credit report. I also attached a copy of a letter they recently provided me that said the blance should have been {$7000.00}. There are so many discrepancies with this account. The information XXXX is reporting there is no way it can be correct as they have sent me different letters stating different things, and none of it matches. There is not one item that matches on the explination of fees page with the transaction history or my credit report. This account must be removed as it is not 100 % accurate, and I'm not even sure we can trust thier validation of anything, since they cant even decide what the balance was or should be at the time of charge off.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX used my credit report on XX/XX/2021. It is an inquiry on my credit report.I did not give this company permission
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed this XXXX/XXXX  on Equifax and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed however, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has been closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file XXXX XXXX
Complaint sub-issue: Debt is not yours

I had a credit card with TCF bank some years ago. 
At the time I opened it, they offered me 12 months no interest if the entire balance was paid before if not past the last statement of the 12 months. 
I paid every month during that 12 month period the minimum balance and got no interest charged. 
At the last statement, I paid off the credit card and balance completely, only to receive a statement for the next cycle with an interest charge for the balance I paid off. 
I disputed the interest charge saying that TCF Bank was not honoring the promotional offer they offered me. 
They sent the illegally charged interest to collections, an agency called The Bureaus, and had been damaging my credit score for some time now.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2021, XXXX XXXX XXXX  appeared on my report with a balance of {$12000.00}. I submitted a report with CFPB case number XXXX and received the attached report from XXXX XXXX  XXXX with no record of the account.
Complaint sub-issue: Information belongs to someone else

I made report of identity theft to law enforcement dated XX/XX/2021 police report number XXXX. Identified on this report were seven ( 7 ) counts of collections reported fraudulently on my personal XXXX and EQUIFAX credit bureau reports. 

On XX/XX/2021 I certified mailed to all three bureaus a copy of the official police report, three forms of official picture identification, proof of address, my social security number, and a letter noticing the bureaus of documented fraud and identity theft. 

Previous fraud alerts and FEDERAL TRADE COMMISION affidavits of identity theft existed on my credit reports. I requested that the fraudulent derogatory entries listed in the police report be removed. 

In violation of applicable laws to include FCRA violations, XXXX  and EQUIFAX replied to me in writing stating that they would treating my identity theft matter as an informational dispute as, according to FCRA regulations, I did not include a police report.
Complaint sub-issue: Information belongs to someone else

Company was contacted personally. Discussed that permissions to conduct credit reports were not provided. Company disclosed a solicitation call was conducted.     I reinforced the issue requesting the inquires are removed.
Complaint sub-issue: No notice of investigation status/result

I forward a letter to Equifax on XXXX/XXXX/2015 ( certified XXXX ), no response from the company. I have disputed several items on my credit but have not heard from this company.
Complaint sub-issue: Was not notified of investigation status or results

I have submitted several letters to the credit bureaus and have been ignored for the past 90 days, I have inaccurate information on my credit report and demanded on several occasions that they be taken off. Starting on XX/XX/2020 I disputed inaccuracies with my mailing addresses and names on the account, on XX/XX/2020 I disputed 5 accounts on each reporting bureau and certified the copies and have yet to hear a response, i also enclosed copies of my drivers license, w2 with social and two forms of residency proof and got one letter saying i failed to identify on my address cleanup. I am in the process of certifying another letter with 5 more disputes per bureaus and I am in frustration and am ready to file a law suit against the agencies for the damage of my report. I would appreciate if you can look into this further.
Complaint sub-issue: Information belongs to someone else

An address appeared on all 3 of my credit reports ( XXXX, Equifax, XXXX ), but I have never lived at that address.

Then, all 3 reports show that there is a collection on me from XXXX XXXX XXXX XXXX. This collection company was sent by XXXX XXXX for an account opened in XX/XX/2018. I never opened a XXXX account. Also, the address I never lived at is connected to the XXXX account. 

This is damaging to my credit score. I believe this is fraud, and I have attempted to follow each credit report company 's dispute process, however, I am unable to confirm that the dispute went through.
Complaint sub-issue: Investigation took more than 30 days

I have sent XXXX, equifax and XXXX dispute letters for my negative accounts over 30 days ago they still have not received investigation results on my dispute I disputed 3 negative account XXXX XXXX, XXXX, XXXX my name is XXXX XXXX SS XXXX
Complaint sub-issue: Was not notified of investigation status or results

I disputed my child support account and asked for verification on the account including the late payments that aren't accurate almost 90 days ago as well as I filed a complaint with the CFPB # XXXX on XX/XX/20. It's now been over 90 days in total and I still have not received anything back from Equifax on how on how they verified the account. 

I have a letter from the child support courts that they do not furnish any information to credit bureaus or any 3rd parties which i will add to this complaint. I will attach a copy. 

It says on the EQUIFAX website that they verify this type of information with XXXX XXXX but I have a security freeze on my XXXX XXXX account because i'm worried about identity theft, so their is no way this account be verified, so the E-Oscar system is auto verifying this account which is infringing on my Fair credit reporting rights and this account needs to be deleted immediately. 

I also don't understand why XXXX  and XXXX  deleted this account months ago but EQUIFAX isn't doing their job correctly. I will attach proof that it's been deleted everywhere except EQUIFAX. 

I will attach all my evidence.
Complaint sub-issue: Debt is not yours

Equifax has not responded to my letter about four fraudulent accounts. These are not my accounts nor did I consent or authorize them. Also, according to the ) 1681 ( b ) ( 2 ) nothing can be furnished on the consumer report without the written instructions of the consumer. 
XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

ECMC was garnishing my check for 8 months with consent and still reported negatively on report and still does to date. School shut down without knowledge and embezzled millions from it students. I am a veteran and at the time was utilizing my GI bill and XXXX to pay for school and feel the collector to be fraudulently collecting and once told collections stoppeybut report from company continues.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020 I sent a letter regarding inaccurate and unknown information on my credit report. Its been 37 days and I have not received a response yet. I feel like my disputes are being ignored and I'm being taken advantage of. In section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I demand that these accounts be promptly deleted or I will file for litigation due to the stress you've caused me.
Complaint sub-issue: Their investigation did not fix an error on your report

How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified Hows it possible that youve reported me 90 days late with no late payments prior to that? Also, wasn't XXXX student loan servicer was sued for not applying payments to consumers accounts correctly. I was never late and this account needs to be removed.
Complaint sub-issue: Information belongs to someone else

I am submitting this CFPB Complaint as a follow up to the CFPB Complaint I previously submitted requesting the removal of the fraudulent accounts and information completely from my Credit File. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of accounts and Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here id the list of accounts and information that should be removed completely from my Credit File 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 XXXX XXXX XXXX XXXX XXXX. If ever you would claim that the disputed items belong to me, please send me copies of proof of verification as a supporting document. In the absence of such document, immediate removal of the disputed items is greatly appreciated.
Complaint sub-issue: Information belongs to someone else

Equifax report was Merged with my sister. I attempted numerous times to resolve the issue through them. They could not confirm my account for me. They reported that I had an extra mortgage and numerous extra debts that did not belong to me. They referred my to their website but will not verify my information due to close SSN / Names. Very unprofessional.
Complaint sub-issue: Account information incorrect

Equifax ; XXXX  and XXXX  should not be reporting the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The date of my final divorce decree was XX/XX/2010. Please reference Section 8 on the attached copy of the decree. It states : the home was supposed to be refinanced or sold in 6 months. This account is well over 6 months old and should not be reporting at all on my credit report. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus multiple times to remove this account however, I have not been successful.
Complaint sub-issue: Problem making or receiving payments

Hello, I was scammed by a person over a resale app. The money was sent by XXXX and was directly accesssed by US bank online menue. 
After the scamner received the money, he was supposed to send me the tracking number right away. 
I did not receive a tracking number nor a product. 
I called US bank to dispute and they sent me a rejection letter. 
Called the XXXX number provided in the letter and was transferred 5 times calling the number that I was supposed to call had I had any questions. 
Went to a branch, the manager refused to talk to me said that I need to call the 24 hour banking telephone line. 
I told him how he is not willing to hear me discuss a fraudulent scenario before there are more victims, as a bank manager???!!! 
I came and XXXX some info to find out similar issue with banks and this money transfer company called XXXX.