Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Can't close your account

I had deposited a check for {$13000.00} on XX/XX/XXXX in my saving account number XXXX with US Bank in XXXX XXXX, CA branch. Check was from credit card from XXXX XXXX XXXX. XXXX XXXX XXXX real SED the check to US Bank on XXXX.on the day of depositing US Bank gave me a letter that would release as two part that the last part would be XX/XX/XXXX. I tried to transfer if part suposdy is realer while ago to my checking account but didnt let me do. I called customer service they sent me to branch! In branch about two hours I tried to see why I have no access to my money, even I asked them several times to close my account verbally and by faxing them in written. Then they called to my sister that had no business on this saving account and gave up my privet information to third party. 
I have right to close my account anytime I want. But US BANK IS AGAINST LAW NOT ONLY DENIED MY LEGAL REQUEST BUT HOLDING MY MONEY AGSINST MY CONSENT FROM XX/XX/XXXX and causing fainacial and social damage to me and my reputation. 
They should not only close my account upon my request but also pay me interest plus APR and punitive damage they have did.they should be punished for breaking law and limiting my right in accordance with constitution and federal laws and state law.
Complaint sub-issue: Threatened to take legal action

Threatened wage garnishment for a loan that is not in default.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish can account without my written instructions under 15 USC 's 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Reporting company used your report improperly

I reached out to XXXX several times. I did not authorize nor do business with this company. 
XXXX XXXX
Complaint sub-issue: Public record information inaccurate

O n  XX/XX/XXXX ,  I sen t Lexis Nexis ( Consumer Center ) Attn : Full File  Disclosure,  XXXX , GA  XXXX , a certified letter along with supporting documentation regarding a Tax Lien from  XXXX   County Superior Court  ; Case ID #  XXXX , filed  XX/XX/XXXX  in the amount of {$1800.00}.     LexisNexis has been reporting to  XXXX  completely inaccurat e information. First of the a ll, the tax lien originated with the  Georgia Department of Revenue ( I ncome Tax Lien Section )  ; Lexis Nexis  has the Case ID #  XXXX  ; In addition, the lien was released o n  XX/XX/XXXX  ; Lexis Ne  xis has it being released on  XX/XX/XXXX . Furthermore, On  XX/XX/XXXX , and  XX/XX/XXXX , I disputed the sa me tax lien with  XXXX  reported by  XXXX   County Superior Court ;  Case #  XXXX  ; Amount : {$1800.00} in the file of  XXXX  maintained under my Social Security number.     I was informed on   XX/XX/XXXX  t hat the item was deleted from my credit report.   Now I discovered that the item has been reinstated on my credit report.   In accordance with the requirements of the FCRA sectio n 611 ( a ) ( 5 ) ( B ) ( ii ),    XXXX   was required to notify me of the reinsertion in writing within  5  business days.   ( B ) Requirements relating to reinsertion of previously deleted material (  ii ) N otice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than  five ( 5 )  business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.I WAS NEVER NOTIFIED OF SUCH REINSERTION OF THIS TAX LIEN ON   XXXX     CREDIT FILE UNDER MY SOCIAL SECURITY NUMBER.      Please validate this information with  XXXX   County Superior Court and  h ave Lexis Nexis  provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file maintained under my social security number. I do not consent to  XX/XX/XXXX  or any means of automated verification, which is exactly what LexisNexis is doing along with  XXXX      Note : The  Georgia Department of Revenue n or The  XXXX   County Superior Court N EVER RELEASE ANY INFORMATION TO CREDIT REPORTING OR CONSUMER REPORTING AGENCIES. I have accompanied proof of this fact.     I have accompanied this dispute with supporting documentation.
Complaint sub-issue: Didn't receive enough information to verify debt

I reached out to carvana to correct a debt issue that they don't have the the original contract nor did they provide me with a original contract, as they are a extension of the creditor of the consumer credit transaction. They didn't give a notification that the alleged debt they were trying to collect, was a debt as a consumer using my federal credit card meaning any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit for entering this consumer credit transaction with an open-end credit plan and used for household and personal use. They put obscene symbol 's and use obscene language on the copy contract that could of be daunting to the eyes as well. Carvana has violated me as a consumer in the corporation and needs to be held legally accountable for their deceptive actions as a debt collector they are. I am requesting the agency to work with me the consumer under the guidelines Fair Debt Collection Practices Act and amendments to the Truth in Lending Act or else i will pursue federal litigations if need I re enforcement on the facts of federal law.
Complaint sub-issue: Their investigation did not fix an error on your report

My wife contacted XXXX to ask for a payment extension for my payment due XX/XX/2020. We were not able to pay the {$160.00} before the due date. The rep on the phone said she would split the payment into 2 and charge {$82.00} that day and the balance would be pulled prior to the 30 day late mark so that this wouldn't affect my credit. My late fee was supposed to be removed also as a courtesy. None of this was done. The rep didn't notate the account properly, she didn't set up the payment properly and now I have a 30 day late on my credit which was due to an error on their end and they refuse to delete it. I paid the bill as soon as I found out what happened but by that time the payment was 32 days late so in their eyes it was my mistake. My wife is willing to testify that this occurred if needed we just need this corrected asap. This is ruinning my credit and ability to refinance my home for a more affordable payment due to this pandemic.
Complaint sub-issue: Received bad information about your loan

In XXXX of 2006, myself and my spouse were approached by XXXX XXXX to consolidate our student loans together to lower our monthly payment. These loans have been since sold to XXXX and now NelNet. In the master promissory note, it states that if we are unable to get on an income based repayment plan, that we can have our loan type changed to be able to access such a plan. This is clearly stated in the MPN. I have been denied several times now access to any IBR, and also denied turning my loan into Direct for the sake of moving to an income based repayment plan. This is a direct violation of my master promissory note.
Complaint sub-issue: Overdrafts and overdraft fees

I was charged  XXXX  overdraft fees becau se US bank de ducts the largest check first, as a policy described by the banker I complained to. If they had deducted the smaller check first, it would have cleared, leaving me with only  XXXX  overdraft fee. The banker stated they ALWAYS deduct the larger check first, obviously to generate more fees. I asked to start an overdraft protection account with them and they denied me. Those of us who incur an occasional overdraft are people without a lot of money and yet they squeeze us the most. This happened approximately 1 month ago.
Complaint sub-issue: Information belongs to someone else

I have checked my report thru the monitoring service and see several items that are NOT MINE and from reading more here on the Consumer Financial Protection Bureau then please delete this misleading information off of my report being from reading here this is damaging my scores and I want it removed from my credit report being I know nothing about these items
Complaint sub-issue: Attempted to collect wrong amount

I spoke with a representative of Conn 's XXXX XXXX on XX/XX/2020 about a payment owed on my account. I asked if they had any payment relief programs due to the Covid-19 pandemic and was told they had a program that allowed a half-payment with the other half rolled over onto the end of the loan. Half of a payment was, in my case, {$82.00}. I said that I could pay {$50.00} at that time and the representative said that would be fine. {$50.00} was paid on XX/XX/2020 to account ending XXXX for XXXX XXXX, confirmation # XXXX. The remainder of the standard amount due was to then roll onto the end of the note, an amount quoted as {$110.00}. 

I received the confirmation email for that payment while still on the phone with the representative. I asked, while still on the phone, if he could push out confirmation and terms of the payment program via email so that I would have record of it. After holding for a few minutes he told me that it takes 2-3 business days for that email to go out. I've received no such email. 

Today, XX/XX/2020, I began receiving collections calls from Conn 's XXXX XXXX stating that account was past due and that the {$110.00} was due immediately. When I spoke with a representative they stated that the additional {$32.00}, over the {$50.00} already collected on the pretense that the account would be brought current, would be due in order to qualify for the payment program I was previously promised. 

This seems intentionally deceptive.
Complaint sub-issue: Debt was result of identity theft

I sent out a dispute to discover financial about an account on my credit profile that does not belong to me. On XX/XX/2019 i faxed a dispute letter my social security card drivers license utility bill affidavit of identity theft and also a police report which will be included in this complaint. I received a response to my dispute from discover bank on XX/XX/2019 stating that the account ending in XXXX was found to be valid. In my dispute i requested that discover delete the trade line off of my credit report unless they conclude that the trade line item is verified, I requested details of there method of verification used to determine the accuracy and completeness of the information they included about me in a consumer report. In there response to the dispute they did not send over proof that the account belonged to me and they also did not send over there verification methods as i requested there response to my dispute will be attached as well. I spoke with a representative today XX/XX/2019 again about this matter i asked why are they trying to collect on a debt reported as identity theft and the representative told me that my affidavit and police report is not proof of identity theft. This inaccurate information that is being reported about me is causing me serious stress and damaging me financially.
Complaint sub-issue: Can't close your account

I have tried in multiple occasions to close my account with PNC Bank. More than a year later I still receive statements, which means my account is open. 

I have called PNC and requested again and again to close my account
Complaint sub-issue: Can't close your account

I found out I was a victim of identity theft on XX/XX/XXXX, and I called Citi to inform them. Once I did that, they allowed someone to add a signer onto my account, they allowed a card to be rushed to an address never on my account, in another state, they have allowed my card to be used and added to an XXXX XXXX after I called over XXXX XXXX with over XXXX XXXX in call time. They will not give me information on my account, they will say they need to send me a letter to verify that I'm me, while they continue to allow my card to be used. I've asked for them close my account, and they won't. They have hung up me and refused to talk to me about my own account, that is attached to my card, I was told I needed to give them the name of the person added to my account, or I could not pass verification, and if I knew them. I believe this is an inside job, every time I changed someone, they changed in minutes to hours later. I'm concerned because they have taken over my account, I don't know where the bills will go, what the new credit card number is because they sent it to XXXX XXXX, not my XXXX Address. I can't have access to my account to file a dispute. I also received two text messages today, from unknown numbers calling me names and asking me to not spend my time, trying to get this fixed.
Complaint sub-issue: Called after sent written cease of comm

On XXXX/XXXX/15 I sent Valarity LLC a certified letter stating I was aware I owed a past due balance of {$1600.00} but I am on XXXX I do currently have a financial assistance agreement with XXXX Valarity as their collection agency. I asked Valarity not to call me anymore but to send communications via mail. They received the certified letter on XXXX/XXXX/15. Since then, Valarity continues to call XXXX a day. I recognize the phone number, so I do not answer the calls. I was advised not to speak to them.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX  account #. XXXX has violated my rights 15 U.SC. 1681 section 604 A States : it also states a consumer report agency can not furnish a account without my written instructions 15 U.S.C 1681 section 602 A States I have the right to privacy
Complaint sub-issue: Their investigation did not fix an error on your report

I previously requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. Your agency results on XX/XX/21, stating that you had completed your investigation and the items were not deleted, as requested.This is a request under FCRA 611 ( a ) ( 7 ) Description of reinvestigation procedure by your bureau in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ). A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 15 days or delete these items, as originally requested : XXXX XXXX, XXXX XXXX  XXXX and XXXX XXXX, XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to be delete immediately : XXXX XXXX XXXX ; XXXX, XXXX, XXXX  ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; Medical XXXX Balance : {$680.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$350.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$900.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX : {$800.00} ; XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1400.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$800.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$540.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$800.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$1100.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$570.00} ; XXXX  ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$840.00} ; XXXX  ( Original XXXX : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$840.00} ; XXXX  ( Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX  XXXX ) XXXX Balance : {$840.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$840.00} ; XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$790.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2400.00}
Complaint sub-issue: Old information reappears or never goes away

I have contacted Lexis on several occassion to receive my report due to inaccuracies being reported by them. They continue to refuse me access to my report even after verification of my identity. They continue to transfer me to agents overseas and giving access to my account information and refusing to correct this. They have been doing this as early as XX/XX/XXXX. My most recent request to correct this same information was XXXX, XXXX, and XXXX of XXXX. They are also releasing my information to state entities and other companies without my permission.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I went to a XXXX dealership on XX/XX/2020 to apply for financing a vehicle. I was told that I will only be applying for the in house financing XXXX offered at the time. I did not agree to getting my information pulled by these institutions. Heres the hard inquiries and their respective dates : XXXX XXXX XX/XX/2020 - XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXX XXXXXX/XX/XXXX - XXXXXXXX XXXX XXXXXX/XX/2020 - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2020 - XXXX XXXX XX/XX/2020 - Equifax XXXX XXXX XX/XX/2020 - Equifax XXXX XXXX XX/XX/2020 - Equifax Im seeking the resolution to have these inquiries deleted from my credit reports.
Complaint sub-issue: Account status incorrect

Vehicle returned to XXXX on XX/XX/XXXX ( as acknowledged on letter attached ). 
XXXX XXXX issued a final bill XX/XX/XXXX with a due date of XX/XX/XXXX. 
This letter was mailed to the wrong home address ( had a typo ) and I never received it. I also didn't get a letter online on my XXXX XXXX account. 
In the beginning of XXXX, XXXX I saw a decline in my credit score owing to this account declared delinquent by XXXX XXXX. 
I called XXXX XXXX on XX/XX/XXXX and spoke to XXXX ( agent id : XXXX ) who informed me that the bill was sent to the wrong address and a new letter will be mailed to my home address and an update will be sent to the credit bureaus for correction and asked to call back. 
Called back on XX/XX/XXXX and spoke with XXXX ( agent id : XXXX ) and confirmed that she will submit the credit bureau correction the same day. 
Called on XX/XX/XXXX and spoke with XXXX ( agent ID : XXXX ). Was informed XX/XX/XXXX invoice was mailed. Credit bureau is submitted and being worked on. Was asked to call back on XX/XX/XXXX to confirm. 
I received the letters ( attached ) and sent the check right away ( date XX/XX/XXXX, see attached a copy ). 
Called on XX/XX/XXXX and spoke with XXXX ( agent XXXX ). Was informed that credit correction submitted on XX/XX/XXXX and creditbureau correctionswill take 30-45days. 

It's been nearly 9 months and my credit reports with Equifax, XXXX and XXXX still show this account as late payment ( see equifax as an example ).
Complaint sub-issue: Funds not handled or disbursed as instructed

Money transactions do not go through when it should. Will not let other apps help with deposits
Complaint sub-issue: Their investigation did not fix an error on your report

FedLoan has already XXXX me out of 1.5 yrs of qualifying PSLF payments as a result of sending out a 'billing statement ' during my bankruptcy stay and after. There is another missing payment on all eligible loans for XX/XX/2019 where there should not be.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Indiana XXXX XXXX used a report from Lexis Nexis to increase our auto insurance 13 percent. six percent was normal increase. They said the other 7 percent was due to an insurance score increase from XXXX to XXXX. I have asked and written Lexis Nexis to detail the reason for the change but have not received a response. I have copies of the report that shows the increase from XXXX to XXXX but it reveals no basis for the change. My credit remains top notch with no late fees, bankruptcies or adverse credit. I would like to have the opportunity to review the changes so I might challenge them, The changes happened between the XX/XX/XXXX insurance renewal and XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

Equifax is in violation. 
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 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. 

I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).
Complaint sub-issue: Reporting company used your report improperly

In accordance with Fair Credit Reporting Act, the following companies have violated my rights : XXXX XXXX Dept of EducationXXXX XXXXXXXX XXXX XXXX 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as a late payment for any purpose.
Complaint sub-issue: Information belongs to someone else

MISLEADING AND FALSE INFORMATION. THIS IS AHIPPA VIOLATION YOU CAN NOT REPORT MEDICAL INFORMATION ON MY CREDIT REPORT PROFILE THIS A VOILATION. 
ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT - ORIGINAL CREDITOR XXXX XXXX XXXX THIS ACCOUNT IS INACCURATE AND I AM SEEKING LITIGATION PLEASE DETELE AT ONCE. 


MISLEADING AND FALSE INFORMATION. THIS IS AHIPPA VIOLATION YOU CAN NOT REPORT MEDICAL INFORMATION ON MY CREDIT REPORT PROFILE THIS A VOILATION. 
ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT - ORIGINAL CREDITOR XXXX XXXX XXXX THIS ACCOUNT IS INACCURATE AND I AM SEEKING LITIGATION PLEASE DETELE AT ONCE. 

THEY ARE PUTTING ACCOUNT ON MY PROFILE THATS NOT MINE PLEASE REMOVE THEM