Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Other problem getting your report or credit score

Equifax tells me I have no credit file in their system. 

Since I am buying a new home, my mortgage lender pulled my credit from XXXX, XXXX just fine, but Equifax kept to fail. Then I contacted Equifax to ask this issue, they hang me up several times, and after keep calling for hours, one representative told me I do not exist in their system, which means my 5 credit cards ( XXXX, XXXX XXXX, XXXX ) have never report my credit to Equifax. This is totally impossible. 
Next, I contacted XXXX, XXXX XXXX, XXXX one by one, and every one confirmed to me they all report my credit to Equifax always and monthly. 
So, I contacted Equifax again. Equifax insists they never receive any credit file about me and insist my credit card banks are all wrong. I keep calling 4 representatives, and none of them want to help me solve the problem. One of representative said : " You can hang up and find someone else. '' Next, I try to do a dispute. However, Equifax only disputes for existing credit file. Since I don't have a credit file with them, they refuse to do dispute. 
Next, I try to fax Equifax my proof of identification and proof of credit card. Unfortunately, their fax machine keeps failing to receive the documents, the error is " transmission was interrupted ''. This is usually the receiving fax machine has a technical problem. 
Finally, I try to mail my concern and documents to Equifax. The mailing zip code that Equifax provided is not correct. USPS people kindly corrected the zip code based on the P.O. box number. 
I find people online saying they didn't hear back from Equifax mail for months. So I would like to submit this complaint to push Equifax to fix the problem.
Complaint sub-issue: Company closed your account

I recently applied for an installment loan and I used my Citibank savings account to receive my funds. I received an initial deposit in the amount of {$700.00} to ensure my account was active as well as to receive an additional amount that I was approved for which was {$5000.00}. Unfortunately, I could not access my account and I reached out to Citibank to get an understanding of why this was happening. I did not receive any details about my account being closed. Once I spoke with someone from Citibank I was told that the fraud department is closing my account because the check that the lender deposited into my account was not authentic. I spoke with the lending company and I was told that the information my bank is giving me isnt true. I also used that account to receive my tax refund, and the bank is telling me that I have to wait 30-60 days for my account to be closed. And an additional XXXX days to receive my funds. I do not understand this at all because I was also told that regardless If the check was fraudulent or not my account will still be closed. I also tried to fix the issue as well as transfer my available funds to a different account but the bank is denying my request. I do not have any cash and Iam facing a financial crisis at this moment. If the lender did in fact deposited a fake check that has nothing to do with me! I did not request to have my account closed. I can not log into my mobile banking app to change anything or get details about my account. I do not think this is right or fair to me as a customer. I have also had this issue with the same bank in the past and the funds that were in my account were never sent to me. I need to get to the bottom of this issue asap because I believe the bank is stealing my money. Please respond to me asap to discuss this situation and help me resolve the issue with my bank. Thanks
Complaint sub-issue: Other problem getting your report or credit score

Equifax -I want to get my credit report .. 
they keep saying I need to verify information .. I answer the questions .. they still say those answers dont match .. then they immediately send me to a automated survey .. 
they also have attempted to run my account for XXXX for their premier service and say it will be refunded. 
I have no issues with the other credit reports
Complaint sub-issue: Banking errors

In XX/XX/2018, I referred my wife to open a checking account, which made me qualified for ' {$100.00} refer a friend a promotion. ' Citi told me that I am qualified for this promotion, but they requested to send my W-9 and I sent the required document. XXXX is the reference number for my inquiry. 

It's been months since they received my document, but they did not credit my account yet with that promotion.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to eleve mane information is inaccurate.
Complaint sub-issue: Reporting company used your report improperly

The FCRA requires you to verify the validity of the item within 30 days. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. I am NOT requesting the itemized bill, I am requesting an instrument bearing my signature. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. By law, if you have charged off a debt, the consumer no longer owe it. You have accused me of owing this debt yet you have had personal gain by writing it off. You continue to report a balance to the bureaus which is inaccurate. In fact, I have no personal gain from this alleged account since it is reporting as closed. You have no right to continue to damage my credit over an alleged debt that you have received gain from the government. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem related to refinancing

My name is XXXX XXXX and my issue is with Ally Auto finance. My father XXXX XXXX passed away in XX/XX/2021. His vehicle was finally repossessed on XX/XX/2021. 
My half sister had a STRONG interest in keeping the truck and trying to catch up previous missing payments. I have been trying to talk her out but she insists. 
I have been labeled on his account through Ally Finance themselves as the " informant " on the account. Also my name is the one listed on my father 's death certificate. I also repeatedly told Ally on their recorded line " please do not discuss any account information with anyone other than myself in order to perfect the privacy of the deceased " they obliged. 

My sister is pretty persistent so she kept calling trying to get payoff balance. And on XX/XX/2021 she calls me on 3 way with Ally Auto finance. They proceeded to give her the sensitive account information and I couldn't stop it. They did not speak or get any verification info from me. And she was able to have the representative give her the account info with only the account number. They told her status of account as well as the charge off date. The only reason i didn't cut them off was ti avoid personal conflict with my sister and other family members. 

The reason I am filing this complaint is Ally Financial did not respect my wishes of non disclosure to persons other than myself. They also violated the law by talking this account info without going through proper verification. 
There was a reason I wanted this to stay discrete and now it's causing distress among my and family members. Serious potentially dangerous distress. I am looking for all possible options at this point. 
Acct name is under XXXX XXXX XXXX XXXX and time of call was XX/XX/2021 around XXXXXXXX XXXX cst. Call took place on their recorded line. 
My name is XXXX XXXX the son and only informant authorized to discuss account info.
Complaint sub-issue: Their investigation did not fix an error on your report

I see multiple 30-150 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Complaint sub-issue: Information belongs to someone else

This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$2300.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Deposits and withdrawals

I recently opened a Citi Bank High Yield Savings account. At the time of opening the account is was disclosed to me that I could transfer funds out of the account 6 times per statement period. ( this was a government rule ) When I finally tried to transfer funds out of this account, I found out that I was limited to a maximum transfer of {$10000.00} per day. And the transfer maximum was also limited to {$10000.00} per week. Therefore, I was only allowed to transfer out {$10000.00} in a week 's time period. 

This transfer policy should have been disclosed to me when I opened my saving account. 
If I would have know this, I would not have opened this account. Citi is more than happy to take my money, but acts entitled to hold onto my money. I feel deceived and I am harmed by this lack of disclosure.
Complaint sub-issue: Information is missing that should be on the report

On XX/XX/XXXX, I contacted XXXX by phone and spoke with an agent. I informed them that I have a revolving credit line ( credit card ) with XXXX since XXXX that does not get reported on my credit report. I have already spoken to XXXX on many occasions regarding this and XXXX has assured me that they report to the credit bureau every month. The agent at XXXX told me that they do see the account in question however due to a balance dispute in XXXX, they have removed my account from the credit report. I asked XXXX that I would like my account to appear on my credit report because I have had it for 8 yrs, and the credit line is {$33000.00}, which both aspects would improve my credit score. XXXX told me there is no way to bring the account back on my credit report. I believe this is incorrect and does not follow the FCRA as my credit report is incomplete and inaccurate. The debtor is reporting every month, I am requesting the account to be reported, but XXXX is stating it can not. 

I contacted XXXX and XXXX has stated they will start reporting my account. When I contract Equifax ( also spoke to them on the phone today XX/XX/XXXX ), they inform me they do not see the account at all. XXXX has confirmed for me that they do report monthly to all 3 credit bureaus. So my dispute is with XXXX and with Equifax.
Complaint sub-issue: Overdrafts and overdraft fees

On XX/XX/2018 my PNC account XXXX was overdrawn by {$.00} ( XXXX XXXX cents ). I was subsequently charged {$280.00} in overdraft fees despite depositing {$600.00} on XX/XX/18. Among other things I was charged an overdraft fee of {$36.00} for a {$14.00} fee charged by the bank itself. 
I tried to e-mail the head of the bank but since their is no e-mail address on PNC 's website, there is way to address my complaints about this matter.
Complaint sub-issue: Received bad information about your loan

I acquired the loan in XX/XX/XXXXto pay for grad school and have several concerns. First, I assumed because XXXX ( Now it has sold my loan several times to XXXX, now NelNet ) was under the PSLF ( Public Service Federal Loan Forgiveness ) at the time that if I committed to my education career without default for 10 years then I would be eligible for the Loan Forgiveness. However, recently I was denied because XXXX is no longer under the PSLF, although I have paid faithfully without default. I was so discouraged because I already had issues with how the payment plan was so skewed. For example, I have been paying on time ( monthly charges range from {$240.00} to {$330.00} ) since XXXX but yet have only paid {$2100.00} of the original loan of {$59000.00} in 10 years. This is outrageous! I feel trapped, cheated, and belittled. I have stayed with the companies because I was informed that I would be eligible for the Federal Loan Forgiveness Program because of my 10 years service in public education and should not move to another loan agency ( this move could " jeopardize '' my eligibility ). In addition, I 've paid {$29000.00} in interest but only roughly {$2000.00} to the principal. Please assist, these student loan companies that keep selling our loans with ridiculous interest, along with false advertisement that they qualify for the Federal Loan Forgiveness is unjust. Here are my request : 1 ) Please help me qualify for the PSLF since I was originally on the correct trajectory until XXXX blew it with the Federal Gov. but never informed me. 2 ) How can I get out of this ridiculous payment plan without being penalized.
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 {$0.00}, {$540.00}.

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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$540.00} -This is not my account.
Complaint sub-issue: Their investigation did not fix an error on your report

I have written to all major credit reporting agencies ( XXXX, XXXX, Equifax ) requesting that they verify and validate the information on specific items in question. The purpose of the letters were for verification and accuracy due to discrepancies being reported. I have attached a copy of a few of the letters i sent via certified mail as proof of compliant and non compliance. 
I also requested that all of this was to be done following specific sections of the Fair Credit Reporting Act ( FCRA ) assuring that I provided as you can verify via my letters. All of the credit reporting agencies failed to provide a valid response to my request and responded with a blanket statement saying the account was verified. The following section ( s ) of the FCRA were blatantly ignored and are currently damaging my credit scores resulting in monetary and emotional distress. Section 609 ( a ) ( 2 ) & 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A )  have been blatantly ignored as all of these agencies have not provided a reasonable source of their method of investigation or verification. In all cases, they have used outside sources ( third party ) and not the direct creditor to verify, These shortcuts are blatant violations and as an end result should be deleted. The law is very clear as to the Civil Liability and the remedy available to me under Section 616 & 617if they fail to comply with Federal Law, which they have. Additionally, I requested that all inquiries that are not current accounts be verified and if unable to provide reasonable verification be deleted.
Complaint sub-issue: Account status incorrect

XXXX XXXX/XXXX was included in my husband 's bankruptcy case. A discharge was ordered. I have reached out to the company in attempt to have them correct my credit report. I 've written several letters requesting XXXX XXXX to correct the negative remarks on the credit bureaus and close out the case as it was discharged. XXXX Bankruptcy department REFUSES to honor the bankruptcy discharge and ignore repeated communication with them. XXXX XXXX has my credit bureau noted as a charge off with a balance and late payments since discharge. I have attempted to dispute the entries in my credit reports. The credit bureaus note the dispute as " consumer disagrees ''. The constant incorrect reporting has effected my credit score and has not allowed for fair rebounding of a bankruptcy. I have endured high interest rates and been denied credit due to the incorrect reporting. All written communication has been ignored and the bureaus have not been corrected. During my communication with XXXX XXXX I have informed them, I reside in a community property state for which only one spouse needs to file bankruptcy. My husband case number was provided. It is very suspicious also in their reporting. XXXX XXXX started reporting me late in XX/XX/XXXX ( almost a year after the bankruptcy discharge ) then continued to report late every month until XX/XX/XXXX - XX/XX/XXXX. Then bank late from XX/XX/XXXX- to present. During the months where they report current in XX/XX/XXXX, there was no  communication with XXXX XXXX. Why would they report current for some 5 months and then late again. No written communication from XXXX XXXX has been received since the discharge. My attorney stated that XXXX XXXX was subject to Louisiana Civil Code 3494, action on open accounts ( credit cards ) are subject a 3 yr XXXX XXXX period. The notation of current payments would break the 3 year period for them to continue to misreport to the credit bureau. It is my belief XXXX has misrepresented information in my credit bureau intentionally. Not to mention their breach of adhering to bankruptcy laws in a community property state. In the state of Louisiana, if only one spouse files for protection the non-filing spouse will also benefit by the bankruptcy since the discharge of debts includes community claims and prohibits creditors from proceeding against community property acquired post - petition, even as against non debtor spouse. 11 U.S.C. 524 ( a ) ( 3 ). Copies of the letters mailed along with discharge papers will be attached. 
I have disputed the information in all 3 credit bureaus. The bureaus indicate the information is reported correctly-consumer disputes.
Complaint sub-issue: Account information incorrect

SO I OVERPAID ON A PAYOFF WITH XXXX  XXXX  AND I HAD NO CLUE UNTIL THEY REPORTED MY ACCOUNT LATE AND DELINQUENT, SO I FILED A DISPUTE AND ITS WAS DONE FIXED AD CLOSED, THEN 2 MONTHS LATER THEY REPORTED ME DELINQUENT AGAIN, I HAVE LOST A TOTAL OF 107 POINTS TOTAL SINCE THIS HAS FIRST STARTED AND THEY ARE NOT GIVING ME ANY UPDATE. I REALLY NEED HELP
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I did not consent to, authorize nor benefit from the following accounts or inquiries. Block and remove them. 
( XXXX. ) XXXX XXXX # XXXX ( XXXX. ) XXXX XXXX # XXXX ( XXXX. ) XXXX # XXXX ( XXXX. ) XXXX  # XXXX ( XXXX. ) XXXX XXXX # XXXX ( XXXX. ) ODE XX/XX/2022 ( XXXX. ) XXXX XXXX XX/XX/2022 ( XXXX XXXX XXXXU XX/XX/2022 ( XXXX. ) XXXX XXXX XX/XX/2022 ( XXXX XXXX XXXX XXXX. 

Accuracy and fairness of credit reporting ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
EQUIFAX IS PRACTICING UNFAIR CREDIT REPORTING METHODS BY REPORTING INNACCURATE INFORMATION IN MY CREDIT FILE. 

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
EQUIFAX IS AN ELABORATE MECHANISM AND IS VIOLATING MY RIHGT TO PRIVACY AS THE CONSUMER. 

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
EQUIFAX HAS ASSUMED THE ROLE OF ASSEMBLING AND EVALUATING MY CONSUMER INFORMATION WITHOUT MY CONSENT ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
EQUIFAX WAS UNFAIR, IMPARTIAL AND HAS NOT SHOWN RESPECT TO MY RIGHT TO PRIVACY. I called in to demand that fraudulent accounts be removed from my credit file. EQUIFAX has not complied. I also provided them with FTC # XXXX
Complaint sub-issue: Information belongs to someone else

I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the C.L.U.E . report and other furnished Lexis Nexis regrading all personal information of mine.

This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply.

My information is clearly shown below :
Complaint sub-issue: Reporting company used your report improperly

I have requested XXXX, Equifax, and XXXX  to send me proof of the method of verification used to report Bankruptcy on my credit ... These agencies knowingly provided false information and therefore are in violation of the Fair Credit Reporting Act. I will be attaching proof. Also, Originally when asked to verify the credit reporting agencies listed the furnisher as the court house. Then prior to the dispute, I requested in writing my XXXX XXXX profile be frozen. Following the investigation of the CFPB it was changed to XXXX XXXX as the furnishor ... After my account was frozen. XXXX County Court does not verify with 3rd parties. Violations below : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] 619. Obtaining information under false pretenses [ 15 U.S.C. 1681q ] Bankruptcy Courts should be the " Furnisher '' not third parties like XXXX XXXX.