Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Fee problem

On XX/XX/XXXX the banking account took banking fee amount of the acct of $ XXXX ( bank services fee )  then charged over draft fee of {$34.00}. I noticed as well that some days take $ XXXX on XXXX then XXXX of each month when its convenient for Citi Bank to profit of the fees. They charged 3times th amount of $ XXXX fee on XX/XX/XXXX - of {$34.00} - I have been with Citibank for 7years. I have noticed the accounts recently in XX/XX/XXXXstarted having problems occurring with services -- -- I not the only individual who seem to not understand why so many stipulation on such accounts. I have 2 checking accounts and savings just recently reduced package to different package to save monies of the banking fees that did not work either -- - I have been with Citi bank for 7 years never had a over draft -- -- spoke with representative XX/XX/XXXX at XXXX ( ID # ) XXXX he did not resolve anything -- - or offer a waiver -- -- the question of these proceedings of bank fees causing a overdraft of 3times the amount does not seem reasonable and as a customer for 7 years is absolutely ridiculous -- there needs to be an investigation in their practices of accounts -- -- - and those stipulation in which Citi Bank is altering their own policies. This not the first time of misleading information -- -- or miscalculated incidences regarding fees -- -- - the policies does not add up -- --
Complaint sub-issue: Their investigation did not fix an error on your report

On my credit report is an item from XXXX XXXX XXXX and XXXX XXXX XXXX. In both of these instances I have spoken with the agency and both have assured me they have reached out on my behalf to clear these items from my report. I have disputed these items as well as letting the credit bureaus know that I have reached out. The bureaus continue to come back with these on my report despite the fact the both XXXX XXXX and XXXX XXXX have assured me that they put in the forms to have these removed. This is an unethical practice and needs to be fixed.
Complaint sub-issue: Was not notified of investigation status or results

OnXXXX XXXXXXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should XXXX deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Complaint sub-issue: Threatened or suggested your credit would be damaged

The credit bureau has my Social Security number wrong so this company has reported this bill with the credit bureau and I do not oh the bill so I disputed it telling them that it does not belong to me and I can prove it with my Social Security number And i lost the dispute And the bill has been put in collections
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXXXXXX XXXX now.with no help.
Complaint sub-issue: Received bad information about your loan

I am writing to state how horrid the communication has been on student debt relief and how screwed over many of us are now. I graduated in 2005... I have stafford loans, the same ones my husband has who just graduated... BUT because of when I went to school - mine are apparently commercially held... something I was not even aware of until recently. When questioning studentaid.gov by phone on what I need to do- I was specifically told to hold off as XXXX XXXX XXXX is working with privately held XXXX loans on the one time loan forgiveness... well now XXXX XXXX XXXX states any loans not consolidated by XX/XX/XXXX WILL NOT be eligible. Even when I called XX/XX/XXXX- I was told- they are still looking into it but today everything states basically we are being exlcuded. The people who have been paying on loans for 15 years, never missed a payment ... literally {$25000.00} just in interest but because I graduated a few years earlier than some and XXXX took over the same loan type I have- I get nothing. I was given BAD information and now I am screwed out of {$10000.00} - and I am livid .... Something needs to be done about this as I am sure many are in my same boat and it is crazy that kids that havent even started paying towards their loans will get this help and those that have paid off huge chunks get nothing...
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I submitted a letter to XXXX  XX/XX/XXXX, in which they show received XX/XX/XXXX advising that the inquiries on my report are inaccurate and unauthorized, I also called on XX/XX/XXXX and advised they cant update or remove these unauthorized inquires and they would have to remain on my file for 2 years. However, I did not authorize these inquiries and I don't think its fair that they remain on my file.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX has violated my rights. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Information belongs to someone else

I XXXX XXXX filed a complete direct dispute with equifax And XXXX Ive already sent in police reports theft affidavits complete full copy of my driver license and proof of address and the accounts and inquiries that are fraudulent Equifax and XXXX Failed to Protect my Consumer rights they did not block or delete the information from appearing on my personal credit report within 4 buisness days of acknowledging the receipt of documentation which by law is a violation under the fair credit reporting act section 605B. 


XXXX still have collections of :XX/XX/XXXXXXXX $ ( Fraudulent XXXX XXXXXX/XX/XXXXXXXX $ ( fraudulent XXXX XXXX XXXX $ ( fraudulent Equifax reporting a fraudulent account XXXX from ( XXXX XXXX XXXX ) I have contacted all creditors Ive sent all documentation to the credit reporting agencies and they have completely failed to protect my consumer rights!!!!!!! Im now filing another suit against Equifax and XXXX for Defamation of Character and emotional distress this has to be stopped the fraudulent accounts that I listed above needs to be removed from my personal credit report ASAP!!!!!
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 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 XXXXXXXX, has violated my rights.

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

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

I opened up a virtual checking account with PNC Bank in XX/XX/2018 online. Everything was fine until XX/XX/2018 when I was charged a {$15.00} service fee. My balance was about {$300.00} at that time and after the service charge fee my balance went down to {$290.00}. I've called customer service on XX/XX/2018 to inquire why I was charged a service fee. I was told that I had to keep at least {$2000.00} in my account to avoid the fee. 

I was not aware of this fee, I was not told I had to keep {$2000.00} in the account, I haven't received any " welcome package '' where it would be disclosed. Even when I was looking inside of my online account for any fees there was nothing disclosed. The disclosure of the fees is quite hidden and only if the account holder is OFFLINE and it is very hard to find. 

This is a deceptive marketing strategy to charge customers with monthly fees. If I knew I had to park {$2000.00} in a checking account ( interest free ) I would never open the account.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Can't close your account

I called PNC bank on XXXX XXXX at XXXX XXXX EST to close a dormant account that I just realized had been getting hit with $ XXXX in fees. The account was opened in XXXX by the XXXX, MD branch manager and I had been told that I would never have fees. I requested closure and the balance of {$12.00} to be sent to my military mailing address. They stated that my XXXX XXXX XXXX XXXX XXXX XXXX address is a foreign address and would not close the account because their system wouldn't let them update the address.
Complaint sub-issue: Public record

Equifax suppose to have investigated a Tax lien that is showing up on my credit report for {$1100.00} which is incorrect yet they are saying it is reporting accurately. Tax Lien Reference # XXXX. Please be advised that this is my SECOND WRITTEN REQUEST asking Equifax to remove the unverified account listed below that remain on my credit report in violation of 15 U.S.C. 1681. They are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the correct name of that individual, their business address, and telephone number because the number you provided was n't correct. 
XXXX Law Dictionary, XXXX Edition, 2009, defines " Verify '' as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) " to confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and " Verification '' as, " Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. '' What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury.
Complaint sub-issue: Contacted your employer

The phone number calling my place of work almost every day XXXX to collect a debt from 5 years ago is a third party who bought the debt from XXXX XXXX XXXX. It is causing my other coworkers to be bothered and causing defamation of my character.
Complaint sub-issue: Information is not mine

Re : XXXX ( {$59.00} ) SS # XXXX Hello, My name is XXXX XXXX XXXX and I am writing a complaint against Equifax about my Credit Report. I have no affiliation with XXXX XXXX. On or about XX/XX/2016, Your company stated I owe : {$59.00}. I am a Veteran and you have listed someones information on my file without my knowledge. I have never visited this place or do n't even know where this place is located. 
I would urge you to have all of these items removed form my file ASAP, and clean my record as it used to be. I do not appreciate your lies and deception.
Complaint sub-issue: Trouble with how payments are handled

My loan servicer, FedLoan Servicing, did n't 'accept ' my loan repayment recertification. And automatically readjusted my monthly payment from appx $ XXXX/month to $ XXXX/month. They used my existing auto debit agreement to withdraw {$3600.00}. which cleaned out my bank account. At no point did they make any effort to alert me to this significant change. Instead, when I called in, panicked b/c I had no money in my bank account, they acted like I was at fault. After *hours* on the phone and a huge number of unhelpful, often rude, customer service agents, someone finally looked into my account and agreed it was " odd '' that I had submitted my recertification but it did n't seem to go through. 

Though none of this was my fault, and it is entirely their error, I am reported as 'past due ' to my creditors, I 've spent dozens of hours on the phone and email trying to straighten it out, and all they will do is reset my loans going forward under a new repayment agreement. I know this is costing me more money, but no one will explain what 's going on or reimburse me or their error or the damage it did to my credit or the huge amount of time I had to spend dealing with their error.
Complaint sub-issue: Problem accessing account

Im trying to add my bank account to XXXX so I can pay my rent and it wont let me add it.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have reached out to Equifax Credit Bureau last XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE FOLLOWING ACCOUNTS ARE STILL FOUND AND NEED TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX  XXXX Balance : {$3000.00} XXXX XXXX XXXX : {$2000.00} XXXX  XXXX XXXX Balance : {$21000.00}
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX  XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX Balance {$340.00}
Complaint sub-issue: Transaction was not authorized

US Bank charged my account {$15.00} for Withdrawal Charges on  XX/XX/2018. I asked them to refund the money to my Savings account but they refuse to do that. I never authorized any {$15.00} charge and asked them to stop withdrawals from that account but they said they can't do that. I'm being charged {$15.00} fees on transactions that are less than {$10.00} which doesn't make sense at all. I have two Pending transactions on XX/XX/2018 also on the same savings account they stated that I will be charged {$15.00} for each time. I told them I wanted to close my account and transfer the money to my checking account with them and they stated they are unable to close my account unless I go sit and wait at a branch location. The hours the bank are open aren't convenient at all and they are unwilling to assist me.
Complaint sub-issue: Old information reappears or never goes away

I checked my credit and saw another account from XXXX XXXX XXXX XXXX for XXXX XXXX. I actually paid this debt last year and this should not be reporting.
Complaint sub-issue: Information belongs to someone else

I AM A VICTIM OF IDENTITY THEFT.THERE ARE ACOUNTS ON MY CREDIT THAT DO NOT BELONG TO ME AND WERE NOT OPEN ED BY ME.PLEASE FIND OUT WHO OPENED THESE ACCOUNTS AND PLEASE STOP FURTHER VICIMIZING ME BY REPORTING THESE FRAUD ACCOUNTS ON MY CREDIT. THEY TRIED TO OPEN SEVERAL ACCOUNTS UNDER MY NAME, I HAVE TONS OF INQUIRIES THAT DO NOT BELONG TO ME.
Complaint sub-issue: Other problem getting your report or credit score

Ive been trying to get my credit report from this Agency.but all I get is the run around
Complaint sub-issue: Their investigation did not fix an error on your report

I have reached out to the credit reporting agency about a dismissed bankruptcy on my account. It states its from the US BKPT CT XXXX XXXXXXXX XXXX. This public record is inaccurate and I disputed it and the findings was the credit bureau received from XXXX XXXX. I reached out to the court to dispute and they advised they do not report or subscribe to the credit bureaus or have an open case in my name.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I can not wholly blame Equifax for these adverse actions. I am very disturbed as I am writing this complaint and I take no joy in this regretful process. However, Equifax could resolve this complaint in a matter of minutes, If they choose to help this veteran. A supervisor at Equifax conveyed to me they could have this taken care of in thirty days. I do not have thirty days. I am trying to get a V. A. Loan for my family and I. These are  inquiries that do not belong to me. 

These are some painful and regretful errors. They are causing severe backlash from my mortgage provider. As a Veteran and a XXXX XXXX member, I surely didnt expect this betrayal of public trust. I have fought for this country. I have protected these folks freedom to do business. I am taking this approach because I couldnt get it resolved otherwise. 

Again, I am not totally blaming Equifax for this miscarriage of justice. However, I am bringing it to their attention for the lack of communication and not taking this dangerous situation as a priority. They overlooking the fact this is ruining my life. It is incredibly extreme to me as a consumer. Please help! 

1-XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX 2-XXXX  XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New  3-XXXX XXXX XXXX # XXXX Inquiry from XX/XX/XXXX 4-XXXX XXXX Inquiry from XX/XX/XXXX 5-XXXX XXXX Inquiry from XX/XX/XXXX 6-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 7-XXXX Inquiry from XX/XX/XXXX 8-XXXX  Inquiry from XX/XX/XXXX 9-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 10-XXXX XXXX I Inquiry from XX/XX/XXXX 11-XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX 12-XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX 13-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 14-XXXX  XXXX Inquiry from XX/XX/XXXX 15-XXXX XXXX Inquiry from XX/XX/XXXX 16-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 17-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 18-XXXX  XXXX Inquiry from XX/XX/XXXX 19-XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX 20- XXXX XXXX Inquiry from XX/XX/XXXX 21-XXXX XXXX  XXXX Inquiry from XX/XX/XXXX 22-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 23- XXXX XXXX   Inquiry from XX/XX/XXXX 24- XXXX XXXX Inquiry from XX/XX/XXXX 25-XXXX  XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Didn't receive enough information to verify debt

I received a notification on my credit that I owed a medical debt of {$690.00} to IC Systems. I have disputed this collection multiple times because I'm unaware how I would have a medical debt when I have always had Military insurance since the age of XXXX. Each attempt to dispute with XXXX, the collect states it's accurate, but does not provide proof. I have also attempted to dispute the debt with the company and still have not received any verification that I owe the debt.