Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Received bad information about my loan

Behind in payments on my daughters student loan, as co signor I got involved with the bank. On XXXX XXXX, 2015 they called and said I would have until XXXX XXXX, 2015 before it went to collection on XXXX XXXX, 2015. I made the payment that evening and it cleared that evening. The very next day the school paid the loan off in full without any communication with us either from the bank or the school. The school then sends the loan to collection without any communication with us and collection agency adds XXXX. I feel that the bank told me I had 30 days and the very next day closed the account out. Is this " fraud by deception ''? XXXX specialists from the bank assured me that the loan did NOT go into default and therefore was not going to collection. 



















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Complaint sub-issue: Transaction was not authorized

XX/XX/2022, my wallet was stolen in the area of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX, at approximately XXXX XXXX XXXX XXXX XXXX, I realized the wallet was missing and began calling PNC and other credit card companies. At the time, PNC was my bank and I had XXXX active debit card for XXXX account at the bank. By XXXX, PNC had already allowed a purchase for {$980.00} at XXXX XXXX, despite the thief not having my PIN number. I immediately disputed the charge and provided a XXXX Police Department report number to PNC regarding the theft of the wallet. It took XXXX days, but PNC reimbursed me for the {$980.00}. The debit card was cancelled immediately on XX/XX/2022 and another was issued. I received and activated the new debit card on about XX/XX/2022. 
On XX/XX/2022, an unknown and unauthorized person went to a PNC bank branch in XXXX and apparently presented my stolen identification. Despite the fact that the user did not possess my account number, PNC bank provided the account information to them and allowed them to withdraw {$1900.00}. On XX/XX/2022, I noticed the transaction and immediately reported it to PNC Bank. I filed another police report and worked with the XXXX Police Department who went to the bank branch to obtain video footage of the criminal. But, the detective learned that PNC bank provided this {$1900.00} to a person who was in the drive-through of the bank and there were no video cameras in XXXX XXXX through. I called PNC every day for XXXX days, and I personally went to the bank branch on XXXX XXXX where I was shown a copy of the withdrawal slip with my forged signature. The account number was on the withdrawal slip ; therefore, the teller had to have provided that information to the criminal. 

I was told it would take no less than 60 days to receive a refund of the stolen money. I called PNC twice more and then visited the PNC Bank on XXXX XXXX where the matter was escalated. At the time, I was told it would take 120 days to receive a refund of the money that was stolen. I offered any assistance to the investigation, but no investigator from PNC has contacted me to date. 

On XX/XX/2022, a PNC customer rep emailed me and apologized for not having an update on my claim and said he was having trouble getting in touch with the investigators at PNC. 

PNC has committed, at best, gross negligence. And I cant pay my bills because they wont return the XXXX they have to a criminal.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

On XX/XX/XXXX, I 've Disputed 5 transactions not authorized or completed by me which details are XX/XX/XXXX XXXX {$49.00}, XX/XX/XXXX XXXX  $ XXXX,XX/XX/XXXX XXXX $ XXXX,XX/XX/XXXX XXXX XXXX XXXX $ XXXX,XX/XX/XXXX XXXX XXXX XXXX {$39.00} on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX which I currently still have in my possession and I requested a new card since my account number XXXX was used without my knowledge.Customer Service Rep issued me a new card and was sent via next day service.Received new card with new number. But Customer Service Failed to closed that account ending in XXXX and card was continued being charged from previous reported disputed transactions and additionally from new online merchant XXXX and XXXX XXXX without my consent or authorization. I 've tried my best trying to communicate this information to customer service and Level 2 on XX/XX/XXXX after explaining such error they have created and from its mistakes on not closing my account when reported and confirmed by rep transactions were still being completed Several reps just disconnect me from the line or continue transferring me to the same department over and over again until calls disconnects.
Complaint sub-issue: Problem with personal statement of dispute

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 an 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 or 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 believe that the information is inaccurate.
Complaint sub-issue: Account information incorrect

Ive reached out to exquifax, XXXX and XXXX 3 times in regards to incorrect information within the three BUREAUS across the board. The accounts are with. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. I ask the accounts be removed due to incorrect information as I have the right to a honest and correct credit report. Instead the accounts are updated with more inaccurate information each month across the board and its impacting my score tremendously. Ill like these accounts removed! Attached are the inaccurate information for each account. 

Thank you
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

Citi bank, collections, harassment. 
I have been receiving multiple times calls a day up to 6 or more, six days a week if not 7days for over 2 months. Sometimes only 2-3 hrs apart from each other. Example XX/XX/XXXX received a call at XXXX,XXXX,XXXX. XXXX,XXXX,XXXX. I have answered the phone first time and talk to them and they continue to call that day. They say that they will make note to inform Citi. But others claim no notes or info on file. Others said they don't do that. My reading of new federal laws passed by Congress against credit & collections companies. One is that they can not continue to call and harass multiple and multiple times a day everyday and they say on the phone that they will continue to do so. Last talked to them on XX/XX/XXXX XXXX talked to XXXX Id # XXXX he gave me. Refused to tell me the managers name as all companies do. The laws are in place to protect us from harassment calls from credit & collections companies do they work. Who else do I need to contact and file with? Thank you.
Complaint sub-issue: Their investigation did not fix an error on your report

I was notified sometime in XXXX that a collection agency believed I owed them a debt. I sent them a dispute and requested all the documents they had on the account. I never received anything from them and from my understanding they did not correctly report it to the credit bureaus. When I called in XX/XX/XXXX to request they remove the incorrect information on my credit report, the collection agency told me they sent something to me in XX/XX/XXXX but could not verify it was the documentation I requested or give my any information that was helpful. I did not receive anything from them in XX/XX/XXXX. The collection agency refused to remove the incorrect information from my credit report and I had to file a new dispute directly with the credit bureau this year. The incorrect reporting is negatively affecting my credit and I would like it removed.
Complaint sub-issue: Deposits and withdrawals

I bank with XXXX XXXX XXXX XXXX. My online banking was hacked XXXX. I received a text message from a hacker pretending to be my bank stating that my account was locked and that I need to log into my account to unlock it. I did log into my account and then I called my bank to let them know what was going on. My bank stated that my account was fine and my account was not locked. At this time, I was unware that this text message was actually fraud. The following day XX/XX/XXXX, I received a email from XXXX XXXX XXXX XXXX stating that {$2200.00} was taken out of my checking account and moved via 'external transfer ' to an account for XXXX XXXX XXXX I have never heard of XXXX or have any relationship at all to that bank. I had to wait until XXXX XXXX to hear from XXXX XXXX XXXX XXXX becuase of the XXXX XXXX XXXX I called XXXX  ( XX/XX/XXXX ) and XXXX XXXX XXXX XXXX XXXX fraud department basically told me that there was nothing they could do to get my {$2200.00} back and the only thing they could do was change my account number so that the hacker no longer has access to it. I filed a police report for the fraud activity and I also got contact with XXXX who let me know that the account number that my money was sent to was actually for a bank by the name of MoneyLion. I contacted MoneyLion bank on XX/XX/XXXX and they stated that the money that was stolen from me was no longer in that account and they had no way of getting my money back to me. MoneyLion did close that fraud account and sent a email to me confiming this. I still have no way of getting my {$2200.00} back and do not any other steps to take so I am praying that you can help me.
Complaint sub-issue: Their investigation did not fix an error on your report

This issue involves Equifax Credit Reporting Agency and an error they said they verified as accurate which it is not. 

I co-signed a student Parent Plus loan for my son for his first year of college in XXXX at XXXX University in XXXX, Kentucky. The very next school year our son transferred to the University XXXX XXXX in XXXX, XXXX  and my wife, XXXX XXXX XXXX signed for a new Parent Plus Student Loan for his University XXXX XXXX education cost and consolidated the XXXX Parent Plus Loan into one loan. My name was no longer on a student loan from that point on. 
Years later, someone somewhere decided that I still owed this total debt irregardless of the fact that it was completely transferred out of my name in XXXX which I have documents to back up. We sent these and other court related discharged records in to Equifax but they still report the amount as being owed with accrued interest of course which is now double the original amount. My wife had this completely in her name and years later, she was diagnosed with XXXX XXXX and is on SSDI. All student loans, including all Parent Plus Loans were completely discharged in our Chapter XXXX Bankruptcy case that was filed in XXXX and completed in XXXX. A year or so later, the loan previously mentioned re-appeared on my Equifax Credit Report to which we submitted court orders and proof of when it was consolidated into my wife 's name only. We have an attorney, XXXX XXXX, which we can and will hire to fight this if necessary but will cost us more money to fight something that Equifax is doing to me and my credit standing. In addition to having court orders of discharge for all the student loans, I also have documents backing up this claim from the National Student Loan Data Systems ( NSLDS ) showing I have no outstanding student loans in my name so it makes one wonder how is it possible that Equifax found that I owe student loans and where is there proof which they did not provide very accurately at all. I am asking for assistance in this matter as my wife and I have certainly suffered from their unfair reporting practices and we, especially my wife, have suffered enough and seek assistance from you to fix this terrible and costly error caused by Equifax. Additionaly, I have a letter from the XXXX XXXX XXXX XXXX XXXX XXXX stating I do not owe and they sent a letter of correction to all CRA 's to remove from my history and only Equifax has not done. It has taken me two years trying to get this removed as illness and deaths have occurred in my family leaving me little time to deal with their inaccurate reporting on my credit.
Complaint sub-issue: Investigation took more than 30 days

XX/XX/2022 Mailed dispute letter for verification of late payments on credit card accounts on consumer report. Demanded proof. Proof not received and its been over 30 days.
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 confidentially under 15 USC 1681. 

XXXX XXXX # XXXX XXXX XXXX XXXX. # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX These credit bureaus have violated my rights. 

15 USC 1681 Section 602 A. States I have the right to privacy.

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

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 believe that the information is inaccurate.
Complaint sub-issue: Debt is not mine

This phone was never purchased or paid for by me. I signed no contract and have never agreed to participate in this contract of service and purchase contract. This purchasing party loaned the phone to me for one month and it was then returned to him. There was no.verbal or written agreement that I signed innovating me to.this debt that is several years negative and effecting poorly in my life. I request copies of the signed contract with the company mobile.
Complaint sub-issue: Reinserted previously deleted info

Equifax is continuing to report erroneous information in referenc to XXXX accounts that do not belong to me, have no/cancelled contract, and have been previously deleted and reinserted.
Complaint sub-issue: Attempted to collect wrong amount

I think I am being overcharged in interest rates. I was not aware of this occurrence until today after unsuccessfully trying to reach the company on an open phone line for over an hour I decided it was time to search help from other sources. 

Payment History Due Date Posting Date Amount Principal Interest Late Fees Principal Balance Payment Status XX/XX/XXXX XX/XX/XXXX {$1000.00} {$590.00} {$470.00} {$17000.00} Completed - on time XX/XX/XXXX XX/XX/XXXX {$1000.00} {$580.00} {$490.00} {$18000.00} Completed - on time XX/XX/XXXX XX/XX/XXXX {$1000.00} {$560.00} {$500.00} {$19000.00} Completed - on time XX/XX/XXXX XX/XX/XXXX {$1000.00} {$550.00} {$520.00} {$19000.00} Completed - on time XX/XX/XXXX XX/XX/XXXX {$1000.00} {$540.00} {$530.00} {$20000.00} Completed - on time XX/XX/XXXX XX/XX/XXXX {$1000.00} {$520.00} {$540.00} {$20000.00} Completed - on time XX/XX/XXXX XX/XX/XXXX {$1000.00} {$510.00} {$560.00} {$21000.00} Completed - on time XX/XX/XXXX XX/XX/XXXX {$1000.00} {$500.00} {$570.00} {$21000.00} Completed - on time XX/XX/XXXX XX/XX/XXXX {$1000.00} {$480.00} {$580.00} {$22000.00} Completed - on time XX/XX/XXXX XX/XX/XXXX {$1000.00} {$470.00} {$590.00} {$22000.00} Completed - on time XX/XX/XXXX XX/XX/XXXX {$1000.00} {$460.00} {$610.00} {$23000.00} Completed - on time XX/XX/XXXX XX/XX/XXXX {$1000.00} {$450.00} {$620.00} {$23000.00} Completed - on time XX/XX/XXXX XX/XX/XXXX {$1000.00} {$440.00} {$630.00} {$24000.00} Completed - on time XX/XX/XXXX XX/XX/XXXX {$1000.00} {$420.00} {$640.00} {$24000.00} Completed - on time Loan # XXXX Loan Progress On track Remaining principal balance {$17000.00} 22 payments to go Next payment {$1000.00} Scheduled onXXXX XXXX Autopay is on Upcoming Payments XX/XX/XXXX Friday {$1000.00} XXXX  XXXX Monday {$1000.00} XX/XX/XXXX Wednesday {$1000.00} XX/XX/XXXX Saturday {$1000.00} Make an extra payment Payment Due Date XXXX Youre paying on the XXXX of each month Change due date Loan Documents View loan documents and agreements from your application on XX/XX/XXXX See loan documents Payment History XX/XX/XXXX {$1000.00} Completed XX/XX/XXXX {$1000.00} Completed XX/XX/XXXX {$1000.00} Completed XX/XX/XXXX {$1000.00} Completed XX/XX/XXXX {$1000.00} Completed See full history Loan Terms Original loan amount : {$25000.00} Loan term : 36 months Interest rate : 30.99 % APR : 35.89 % Bank Account XXXX  Account number : XXXX Go to bank account settings
Complaint sub-issue: Account information incorrect

I purchased a home improvement project from XXXX XXXX on or about XXXX, 2022 and was told that the project would cost around {$17000.00}. that I could pay over a 5 year period. 

Subsequently I received a statement from Aqua after the project was complete informing me that the actual total was around {$29000.00}. 

I contested this and my requests to clarify and correct have been ignored and Aqua is reporting the account to credit agencies as " delinquent '' rather than possibly " fraudulent ''. 

As a result, other creditors that I am in good standing with are reducing my credit limits and further damaging my credit standing ( score ). 

In summary, the company that sold me the project ( XXXX XXXX ) misrepresented the terms/price, ( {$17000.00} ) then sold the paper to Aqua which is now attempting to collect {$29000.00} and perpetuating what appears to be an attempt to defraud me.
Complaint sub-issue: Their investigation did not fix an error on your report

To whom it may concern, I recently reviewed my credit report and I found a charge off account reported by XXXX XXXX  from XX/XX/2014. That Charge Off account is already paid. 
The NY FCRA states in 380-J Prohibited Information ( iv ) That Credit  bureaus are prohibited from reporting accounts placed for collection or charged to profit and loss which antedate the report by more than seven years ; or accounts placed for collection or charged to profit and loss, which have been paid and which antedate the report by more than five years. 
Since the Charge off happened in XX/XX/2014 its already passed the 5 year mark and all late payments must be deleted as per NY FCRA laws referenced above. 
I disputed the mark with XXXX, Equifax and XXXX but they did not remove it. ( i believe Equifax first removed it but then it reappeared on my credit report. )
Complaint sub-issue: Their investigation did not fix an error on your report

CFPB Complaint # XXXX Equifax simply closed the complaint without action - stating they will send the information to the furnisher of the information and follow up The underlying issue is that no validation of the debt is provided and Equifax is in violation of FDCPA as furnisher has not provide any information since request in XX/XX/2020 XXXX two months ) Error was detected on my credit report and filed an investigation into the matter utilizing Equifaxs online dispute portal Equifax 's Report # XXXX Written dispute sent directly with the company ( XXXX  ) that filed the incorrect information and company has failed to response as of the date of this compliant ( Sent 45 Days Ago ). 
Despite no response from the company, Equifax verified the information Equifax has a duty to validate information, not pass the burden to the consumer. 
This consumer financial protection bureau recently levied a {$500000.00} penalty for this company for violations of the FDCPA Similar to the previous civil ligation, I have received zero correspondents from XXXX. Company directly submitted information to credit bureaus without notification or validation and Equifax continues to furnish and sell incorrect information which has caused negative impacts
Complaint sub-issue: Card opened as result of identity theft or fraud

Someone opened a fraudulent account with my personal information in XX/XX/2019 for the amount of {$720.00}. I sent out documents to credit bureaus with this fraudulent account.
Complaint sub-issue: Trouble with how payments are handled

Citibank fails to allow there customers to set up auto pay online. I have mailed in their form multiple times. There is no confirmation t hat the account is set up. Every other student loan company allows auto pay online, why is Citibank any different? When I 've called to confirm the auto pay has been set up, I 've been told the form was not received. This has happened 4 times. This is a mistreatment of their customers and I demand action be taking to assure that Citi student loan customers are treated fairly. It 's the 21st century. Auto pay is everywhere. It is time for Citi bank to join.
Complaint sub-issue: Confusing or misleading advertising about the credit card

During the hardship of millions of people due to the Corona Virus situation. Citi Simplicity Card, ( Address XXXX XXXX XXXX, XXXX, Arizona, XXXX ) does not answer or respond to consumers. Consumers are left on hold for hours and if you finally get through the line is disconnected and there is no call-back. This has been happening between the dates of XX/XX/XXXX through XX/XX/2020.
Complaint sub-issue: Public record

My name is being used for a judgement that dose not belong to me
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be updated and corrected as soon as possible : 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: Credit inquiries on your report that you don't recognize

I have made several phone calls and send several letters disputing inquiries that I did not authorize. For the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX last letter I send they responded back on XXXX XXXX in which they ignored my letter. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and serious breach of my privacy rights. Equifax has failed to validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature an inquiry in the absence of any such documentation bearing my signature I requested the fraudulent inquiries be immediately deleted from the credit file that is maintained under my social security number.
Complaint sub-issue: Didn't receive notice of right to dispute

Debt collection was deleted earlier this year from XXXX XXXX for the amount of XXXX. Debt was sold and re-inserted without any proper notice by mail that it was being sold nor did the 5 day time frame take place. Debt is now appearing again on my credit report from " XXXX XXXX XXXX '' on XXXX and " XXXX XXXX XXXX '' on XXXX for the same amount of XXXX.