Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

I sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any items or information not later than XXXX business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that I wanted to removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX BXXXX  XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX Balance : $ XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX BANK NA XXXX XXXX : {$0.00} XXXX BANK XXXX Balance : {$0.00} XXXXr XXXX Bankruptcy Reference # : XXXX DateFiled/Reported : XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent multiple dispute letters to the bureaus regarding the fraudulent account on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.
Complaint sub-issue: Didn't receive terms that were advertised

To whom this may concern, I originally opened an account with the terms that included an account bonus of $ XXXX an email confirmation is pasted below. After completion of both Recurring direct deposits of 2 or more that total {$2000.00} or more within 60 days of account opening and Enrolled in E-statements by XXXX within the timeframe no bonus was given. Multiple calls were actioned between XXXX of XXXX lead to multiple escalations as well as complaints that were never actioned- this was in addition to multiple dropped calls as well. The account will be closed on my end due to lack of transparency as well as lack of assistance from their end. 

XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Hi XXXX, Hope youre having a great day today, my name is XXXX and XXXX be your Account Setup Coordinator for this application! 

XXXX Thank you for choosing U.S. Bank, your application was approved and we have opened the following account in your name : U.S. Bank Gold Checking Account # ending in XXXX ( if you didn't catch the full account # from the application, I can provide it after verifying over the phone ) * We also received your completed signature card, so you may now begin using your account ( I've also attached some tips ) * Product Notes : Note regarding the promotion on your application : XXXX - XX/XX/XXXX / Earn {$300.00} for opening a Platinum Checking / Gold Checking / Easy Checking Recurring direct deposits of 2 or more that total {$2000.00} or more within 60 days of account opening Enrolled in E-statements by XXXX It's been my pleasure to assist. As your account coordinator I want to exceed your expectations, feel free to email or call with further questions over the next couple of weeks. We really care about your experience with U.S. Bank : There will be a quick survey you'll receive that's specific towards your experience with any of my calls and my emails ; my goal here striving for success is to receive all 9 's or 10 's If you have any other feedback about this onboarding process or feedback about U.S. Bank I'd love to hear about it via email. 

Have a fantastic day! 

Sincerely, Available XXXX EST M-F / *** I hope that you and yours stay safe during this pandemic, I want to make this process as effortless for you as possible / We are experiencing higher than normal volumes and will return your call or email as soon as possible / My manager info as a secondary means of communication in case Im out of office : XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX Account Setup Coordinator | Virtual Deposit Operations XXXX option 3 use my direct extension XXXX | XXXX XXXX
Complaint sub-issue: Account information incorrect

XXXX XXXX has furnished an incorrect account balance on XXXX of {$16000.00} on my XXXX Credit Report and a Account Balance has been furnished to my Equifax Credit Report of {$16000.00} on XX/XX/2022, Both from XXXX XXXX XXXX XXXX I also has sent this company a Cease and Desist which they have also ignored and violated my consumer rights and continue to used these deceptive practices. Im just putting your company on notice that you all are liable under federal laws to investigate and report each complaint. 

Violations Unfair practices 15 USC 1692 15 U.S. Code 1692c - ( c ) Ceasing communication
Complaint sub-issue: Account status incorrect

In accordance with the Fair Credit Reporting Act, the XXXX Account number XXXX is violating my rights to accurate information. The account is closed and was consolidated in 2019. The account is listed on my consumer credit report as open and a charge off/collection. The account has been deleted from XXXX. 

The FCRA states that credit reporting agencies are obliged to correct or delete inaccurate, incomplete or unverifiable information.
Complaint sub-issue: Account information incorrect

I previously disputed account on XX/XX/20, XX/XX/20, XX/XX/20 XX/XX/20 do to inaccuracies on credit report. XXXX XXXX XXXX {$2000.00}. They offered settlement but no verification of debt. Balance that the company is reported is inaccurate. Company will not remove from report or validate debt.
Complaint sub-issue: Account status incorrect

XXXX and XXXX issued me a credit card from XXXX XXXX  I have never once used this credit card however they are reporting a balance of {$820.00}. 

Incorrect information and I want it removed from my credit account they are reporting bad things on my credit report
Complaint sub-issue: Debt is not yours

I am being harassed & having my Credit destroyed by a Collection Company for an Automotive Insurance Bill I DO NOT OWE, allegedly from XXXX XXXX XXXX XXXX. 

Considering 1 ) I DO NOT OWN an Automobile in MY NAME for several years now, & 2 ) I live in a DIFFERENT STATE than the alleged Account, & 3 ) I have NEVER had an Account with XXXX XXXX XXXX for Auto Insurance personally in MY NAME since I DO NOT OWN AN AUTO IN MY NAME, this is clearly NOT my Account & I should NOT have it on my Credit Records. 

I therefore pray to the CFPB for Resolution of this Matter, & all applicable Federal remedies/penalties against said Collection Company for continuing this FALSE reporting against me, despite several attempts on my part to resolve it which were ignored. 
I also reserve the Rights to Legal Action Against said Collection Company ( ie. lawsuits ) & State Attorney General Office Actions in my own State ( which is NOT the State in question ). 
I also grant permission for the CFPB to publish & utilize my Information to protect others from the illegal actions of XXXX XXXX XXXX & possibly their Client acting upon known defective information.
Complaint sub-issue: Problem accessing account

I have been experiencing problems linking my bank account to outside sources. There is a connectivity problem or my bank has done something that will not allow me to link.
Complaint sub-issue: Can't use card to make purchases

XX/XX/2020 I decided to open a Citibank secured credit card with a {$600.00} credit line. Unfortunately the card went missing and fraudulent purchases were charged to the card I have been trying to rectify this with Citibank since than But they refuse to comply with their fraud policies. Since then they still have my {$600.00} in the account is in collections.
Complaint sub-issue: Information belongs to someone else

I, the consumer did not consent to, authorize, nor benefit from any of the following inquiries or accounts. Pursuant to XXXX XXXX XXXX, block and remove them from my consumer report : Inquiries XXXX. Equifax Mortgage XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX Accounts 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: Received bad information about your loan

In XXXX, former President Obama announced the Public Service Loan Forgiveness Program. My wife and I lived in XXXX. I contacted Congressman XXXX XXXX XXXX  office to find the link and gain assistance in submitting in the application. 

Over the next three years, I encountered numerous problems with the Department of Education ( DOE ). I completed the application six times. I submitted it six times. DOE officials stated the paperwork was not received electronically or by certified mail. DOE claimed the XXXX XXXX where I worked as a full-time XXXX  did not qualify for the program. Yet, the nonprofit organizations with whom I volunteered or worked for as part of my community service obligations did quality. DOE claimed that I did not qualify for the program even though I made 120 payments. DOE again claimed that I filed for forebearance during this period or reduced payments which resulted in my denial. 

My wife and I moved to XXXX, Texas and I contacted Congressman XXXX XXXX XXXX office for assistance. This occurred in XXXX. His staff worked with me to coordinate my paperwork and obtain a consistent response from DOE. 

In XXXX, XXXX, I received a phone call from XXXX in XXXX XXXX, CA. Their representative, XXXX XXXX, stated that I was now approved to have 75 percent of my remaining student loans forgiven. Their organization contracted with DOE. I would pay {$510.00} for the next three months. My remaining student loan payment would be {$200.00} for the next few years. I agreed. However, my FedLoan account showed the reduction was not applied to the account. Congressman XXXX XXXX office staff worked with FedLoan, XXXX, and me periodically over the next nine months. A staffer finally inquired into XXXX. While their email address implied XXXX was a government agency, it was a third-party organization who had misrepresented themselves to me, to a Congressional office, etc. as part of DOE or held a contact with DOE to process such paperwork. At which point, FedLoan recommended that I contact the Consumer Financial Protection Bureau, the Federal Trade Commission, and the Texas Attorney General 's office and notify them of the situation. 

I had completed and battled with DOE for years over my application. How XXXX had access to my electronic information baffles me. They knew too much about what I owed and guaranteed that the remainder of my student loans were forgiven through the program. I would like the money I paid to XXXX returned. If it is possible, I would like DOE to finally acknowledge the receipt of the paperwork and apply not just the letter but the spirit of the law as was promised to me and countless others who dedicated their careers to public service.
Complaint sub-issue: Reporting company used your report improperly

Equifax has confirmed my personal and private information has been improperly protected and is now part of an entire batch of data stolen from Equifax through " hackers ''. I have already placed a fraud alert on my credit file to catch any attempts to use my data in the next 90 days. However, the information which was stolen will be with me for the rest of my life, and I now must continually freeze my credit or keep on high alert to protect the most private data that actually makes me a " person ''.
Complaint sub-issue: Funds not received from closed account

I asked ALLY Bank close 4 No-Penalty CDs on XX/XX/2023. They did not close the accounts in 1-2 business days as promised. Some of the CDs took 6 days to close and one is still not closed as of today ( three weeks later ). I asked that the money from the closed CDs be transferred into a savings account at ALLY bank that paid a higher interest rate. Because the CD closures were delayed, I was paid a lower rate of interest on that money than I should have. I called many times asking them to rectify the situation and as of today, it still has not been resolved- despite the ALLY Bank agent saying that the Bank will correct the situation. I suspect that I am not the only customer who ALLY Bank underpaid interest. Most people don't notice or are too busy to chase them down. I have spent several hours on the phone and emailing them. 

If the CFPB investigates ALLY Bank, they XXXX find that ALLY Bank has a pattern of keeping money that is owed its customers. The ALLY Bank agent I spoke to said ALLY BANK has been understaffed. To rectify the situation, perhaps the CFPB can prevent ALLY from accepting new customers until it shows it has adequate staffing and can maintain proper internal controls. Or, perhaps ALLY Bank should be broken up into smaller banks that would be easier to manage. If there were more smaller banks wouldn't competition increase, so the quality of service in the industry would improve?
Complaint sub-issue: Public record information inaccurate

Checkr has run a background check for XXXX and is Disclosing negative information on my background report that is more than 7 years old.
Complaint sub-issue: Not given enough info to verify debt

I sent Total Card, XXXX certified letter on XX/XX/2016 and requested proof and verification that the debt is mine ( signature, etc. ) as of XX/XX/2016 I have not heard from the company and it is still being reported on my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

The Consumer Protective Agency was contacted regarding old accounts on my credit report. To date, Equifax has only removed one.  That was XXXX XXXX yet refuses to remove the other accounts older than 7 years. If the accounts are closed and I no longer do business with the organization why is the accounts still being listed. As I stated before this institution uses redlining to block XXXX Americans from obtaining credit. In addition, they keep old accounts listed, use derogatory statements that they add as well to block people of my XXXX background from obtaining credit. 
We have several accounts from DEPT OF Education that was closed. Some accounts were consolidated. Unclear as to why Equifax does not understand this. I am requesting for all accounts over 7 years old to be removed. Equifax in an attempt not to remove the old accounts changed the dates so it can be listed longer. 
In addition, there is a six-month exclusion rule. If an account is scheduled to drop off in six months the exclusion rule applies. I am requesting the exclusion rule to be applied to XXXX XXXX. The account was opened in XXXX and is scheduled to be removed in XXXX, of XXXX.
Complaint sub-issue: Information belongs to someone else

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED AN INACCURATE ACCOUNT ON MY FILE. THE DISPUTED ACCOUNT DOES NOT BELONG TO ME, THIS ACCOUNT WAS INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.
Complaint sub-issue: Trouble with how payments are handled

I am vastly ahead of the repayment plan in payments and for the second quarter in a row the interest rates are going up on my loans. How does paying ahead and having improved credit result in the student loans taking your interest rate and raising it again even legal?
Complaint sub-issue: Their investigation did not fix an error on your report

I've contacted XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX they told me I've never missed a payment, yet XXXX, Equifax, and XXXX refuse to fix the accounts from being listed late. They told me they are not required to allow me to dispute these inaccurate information any longer. I constantly have to do XXXX, Equifax, and XXXX 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to correct these damaging negatives from my profile.
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality Under 15 USC 1681. 

XXXX XXXX XXXX # XXXX  XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX and XXXX XXXXXXXX XXXX  XXXX # XXXX and XXXXXXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : states a consumer reporting agency can not furnish an account without 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 ). States 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: Information belongs to someone else

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. EQUIFAX XXXX {$7000.00} XXXX XXXX {$7000.00} USDEPTED XXXX {$2100.00} USDDEPTED XXXX {$1700.00} XXXX XXXX {$4500.00}
Complaint sub-issue: Account status incorrect

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX XXXX  Account # XXXX 30 days late in XX/XX/XXXX, and XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX
Complaint sub-issue: Received bad information about your loan

Attention SERVICE RECOVERY TEAM XXXX XXXX XXXX PLEASE NOTE THAT I AM ADDING INFORMATION TO COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX I MADE A PHONE CALL TO FED LOAN SERVICING PHONE ON XX/XX/XXXX, AND SPOKE TO XXXX, ID  XXXX She informed me of my : Pay off age : XXXX yrs old Pay off amount : {XXXX0}, XXXX would not lose years paid into income based repayment plan prior. ( 6 years paid to XXXX would roll over to this plan ) General information to consider : I've made 13 years of loan payments total ... I paid $ XXXX month for 5 years ( XXXX ) before income based plan with XXXX XXXX XXXX I left XXXX in XXXX to seek a company that practiced ethics, which I thought was Fed Loan Servicing. 

In XXXX when I was applying for the loan, with Fed Loan Servicing I was told I would receive credit for the years I was on the income based plan prior Fed Loan Servicing by the person fed loan servicing gave that responsibility to. ( XXXX, ID  XXXX ) Now Im being told that I lost the 6 years that I paid into the income based plan because of the loan consolidation, which will cost me {$28000.00}. 

I chose Fed Loan Servicing because XXXX was not forthright in sending me a complete break down of my loan payments until I filed a formal complaint with Consumer Finance Protection, which took nearly year to resolve. 

No actual prospective payoff dates are given with the way the system is set up now, since borrowers must reapply for income based plans annually. Adding six years of payments to my existing program puts me into my mid 80s to complete this loan. ( a 35 year loan, with interest. 


Loan forgiveness plans are confusing and the borrows are told conflicting information concerning payments. I was told on two accounts that I must consolidate my loans in order to qualify. 

This results in large systemic ethical lapses, and consumers like myself are forced to be very proactive in rectifying poor lending practices, and lack of information given.
Complaint sub-issue: Problem with statement of dispute

Since the FTC Fair Credit Reporting Act attempts to prevent consumer 'Discovery ' by requiring that 3rd Party entities ( such as Collection Agencies ) contact consumers about a reporting action before submitting it, I submitted a request on XXXX/XXXX/16 via Equifax 's Online Dispute process to have a ( {$27.00} ) XXXX reporting entry removed. 

Although I informed Equifax that I was never contacted by the provider XXXX XXXX XXXX XXXX XXXX about the matter, it 's now been over 45 days and the company is yet to remove the entry as requested.
Complaint sub-issue: Problem with fees

On XX/XX/XXXX I called Best Buy Citi Credit Card to request help due to financial hardship due to COVID 19 lockdown. They agreed to remove the {$29.00} late fee for XXXX and not assess late fees moving forward for XXXX or XXXX. However, they did not remove the XXXX late fee and in addition they DID assess late fees in XXXX for {$40.00} and XXXX for {$40.00}. 
I called and explained the situation to both a representative in the COVID assistance department AND a supervisor and they would not remove the late fees retroactively. They only offered to take off one late payment and begin the " program '' moving forward. I again insisted that this was already in place and that I should not been charged late fees in XXXX and XXXX and I explained to them that I now have unemployment and can budget to begin making minimum payments. 

I am requesting a refund of {$29.00} late fee charged on XX/XX/14, {$40.00} charged on XX/XX/14 and {$40.00} charged on XX/XX/14 for a total of {$100.00} payment credited back to my account. 

Those struggling the most during the pandemic such as those possibly convalescing in a hospital would have not been able to make phone calls to credit card companies to enroll in an assistance program. This is outrageous. That we are in lock down and NY since XXXX is a verifiable fact that is known worldwide! There is no deception here. If they are truly offering help then they should actually assist customers instead of playing dirty games. They are scammers and liars and they are clearly trying to minimize the amount of help they give by refusing to give these credits that they promised. Please help!
Complaint sub-issue: Need information about your loan balance or loan terms

Hi the Dept of Education / Nelnet wants payments for students loans I have no knowledge of signing for. I need copy of the master Promissory note.